Document:

<PAGE>
                                                                    Exhibit 10.9

          CONFIDENTIAL MATERIALS OMITTED AND FILED SEPARATELY WITH THE
         SECURITIES AND EXCHANGE COMMISSION. ASTERISKS DENOTE OMISSIONS.

            SOFTWARE LICENSE AND MARKETING AND DISTRIBUTION AGREEMENT

This Software License and Marketing and Distribution Agreement (the "Agreement")
is entered into as of August 20, 1997 (the "Effective Date") by and between
BISYS, Inc. ("BISYS"), a Delaware corporation with its principal place of
business at 11 Greenway Plaza, Houston, TX 77046-1102, and Open Solutions Inc.
("OSI"), a Delaware corporation with its principal place of business at 300
Winding Brook Drive, Glastonbury, CT 06033.

Recitals

A. BISYS, through its TOTALPLUS(R) Division, is a leading provider of
comprehensive data processing outsourcing solutions to financial institutions.

B. OSI is the developer and owner of The Complete Banking Solution(TM) system
and is a leading supplier of client/server software and information services to
financial institutions.

C. The parties wish to establish an alliance whereby (i) BISYS will be the
exclusive national Outsourcing Services provider and exclusive national
Facilities Manager of The Complete Banking Solution system to Financial
Institutions in the United States; (ii) OSI will license to BISYS the OSI
Proprietary and OSI Interface Software used in connection with such system;
(iii) the parties will engage in certain marketing and selling activities; and
(iv) BISYS will be a recommended preferred provider of certain related services.

Now, therefore, in consideration of the mutual obligations set forth herein, the
parties agree as follows.

1.    Definitions

1.0 Change of Control - shall mean with respect to a particular entity (i) the
consummation of a merger consolidation of that entity with another in which the
owners of interests (shares or otherwise) of the particular entity immediately
prior to the consummation of such transaction do not own at least 65% of the
ownership interests of the surviving successor, acquiring or assuming entity;
(ii) the sale of all or substantially all the assets of such entity; or (iii)
the acquisition of beneficial ownership by any person (including a group within
the meaning of Section 13(d) or 14(d) of the Securities Exchange Act of 1934, as
amended) of 35% or more of the outstanding ownership interests of such entity.
For the purposes of this agreement an initial public offering of OSI shall not
be deemed a change in control.

1.1 Conversion - shall mean the process of converting a new Customer's data to
the System.
<PAGE>
1.2 Conversion Date - shall mean the date on which live production begins. Live
production shall mean the time when Customer uses the System or portions thereof
to execute transactions, produce reports or retrieve information from the OSI
Database Model on a regular basis in a production non-test environment.

1.3 Customer - shall mean that Financial Institution for which BISYS
contractually provides either data processing Outsourcing Services using the
System or acts as Facilities Manager of the System. BISYS shall provide a form
copy of the BISYS Customer contract for Outsourcing or Facilities Management to
OSI prior to entering into the first Customer contract.

1.4 Documentation - shall mean all user manuals, system guides and related
publication for the OSI Proprietary Software and OSI Interface Software.

1.5 Enhancements - shall mean all upgrades, improvements, modifications and
updates to the OSI Proprietary Software and OSI Interface Software made
available to OSI customers.

1.6 Excluded Licensees - shall mean the Named Competitors and any outsourcing
service providers shown on Schedule 1.6 hereto, which may be amended from time
to time by BISYS with the written consent of OSI, which shall not be
unreasonably withheld.

1.7 Facilities Manager; Facilities Management - shall mean the provider and
operator of the System for the benefit of a Financial Institution on site at the
Financial Institution's facilities; the activity of so providing and operating
the System.

1.8 Financial Institution - shall mean all classes of banks, including those
chartered under state or federal law, commercial banks, savings banks, mutual
savings banks, thrift institutions, savings and loan associations and credit
unions, and branches thereof.

1.9 Interface Software - shall mean that software, other than the OSI Interface
Software, used to interface between and among the various application software
included in the System and between and among peripherals for use in connection
with the System.

1.10 License - shall mean the restricted non-transferable, non-assignable right
granted to BISYS hereunder to use the OSI Proprietary Software and OSI Interface
Software within its own data processing facilities as an Outsourcing Services
Provider, and at the Customer's facilities as Facilities Manager, to provide
data processing services to its Customers during the term of this Agreement. The
license will be for use on the Designated Hardware and Operating Systems as
defined in Schedule 17(g), as amended from time to time.

1.11 Named Competitors - Named competitors of BISYS shall mean Fiserv, EDS, M&I
Data Services, NCR, Jack Henry, and ALLTEL/Systematics and successors thereto,
and other competitors named in Schedule 1.6. Named competitors of OSI shall mean
Phoenix International, Prologic, DCI, M & I Eastpoint, ITI Premier II and NCR
Autobank and others as may be amended from time to time.

1.12 License Fee - shall mean the list price of the OSI Proprietary Software and
OSI Interface Software based on the price lists initially shown on the attached
Schedule 1.12 for a

                                      -2-
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similarly situated Financial Institution, except where OSI routinely discounts
such list price in which case License Fee shall mean such discounted list price.
OSI shall have the right to modify such License Fees annually at the beginning
of each calendar year.

1.13 Master Copy - shall mean the object code form copy of the OSI Proprietary
Software and OSI Interface Software and the data base code for the OSI Database
Model to be delivered upon execution of this Agreement and thereafter from time
to time as such code is enhanced and revised by OSI to reflect the most current
versions made available by OSI for use with the System.

1.14 OSI Database Model - shall mean the database code and resulting database
model developed by OSI and included in the System.

1.15 OSI Proprietary Software - means collectively, the version(s) of the
software as set forth in object code format, and database code format with
respect to the OSI Database Model, together with the Documentation to be
provided to BISYS by OSI, for use in connection with the System, including
Enhancements to such software, database code and Documentation that may be
provided by OSI to BISYS from time to time. As listed in Schedule 1.15.

1.16 OSI Interface Software - shall mean that software developed and owned by
OSI, or licensed to OSI, used to interface between and among various application
software and between and among peripherals for use in connection with the
System, initially identified on Schedule 1.16 hereto, as may be amended from
time to time by OSI by written notice to BISYS.

1.17 OSI Source Code - shall mean the source code in machine readable form for
the OSI Proprietary Software and the OSI Interface Software owned by OSI.

1.18 Outsourcing Services - shall mean the outsourcing by Financial Institutions
of data processing and other information processing services from a third party
that provides such services remotely from its data center facilities.

1.19 System - shall mean OSI's The Complete Banking Solution client server,
Oracle relational data base, Microsoft Windows NT environment system including
the applicable OSI Proprietary Software, OSI Interface Software, OSI Database
Model and required Third Party Software (TPS), as it may exist from time to time
during the term of this Agreement for use on the Designated Hardware and
Operating Systems as defined in Schedule 17(g), as amended from time to time.
OSI shall provide a new Schedule 17(g) to BISYS to reflect the authorized
Designated Hardware and Operating Systems as in effect from time to time.

1.20 Third Party Software (TPS) - shall mean the software developed and owned by
an entity or person other than OSI used, or available for use, in connection
with the System, as initially shown on Schedule 1.19.

2. Grant and Acceptance of Software and Trademark License.

(a) Subject to the terms and conditions of this Agreement, OSI hereby grants to
BISYS and BISYS hereby accepts from OSI the License and the concurrent right to
copy and market the System during the term of this Agreement as the exclusive
national Outsourcing provider and

                                      -3-
<PAGE>
exclusive national Facilities Manager of the System to Financial Institutions in
the United States, unmodified from the version(s) provided by OSI from time to
time, in object code form only. BISYS is prohibited from sub-licensing any of
its rights under this Agreement other than to a direct or indirect wholly owned
subsidiary of The BISYS Group, Inc., the ultimate parent company of BISYS. Title
to and ownership of the OSI Proprietary Software, the OSI Interface Software
owned by OSI and the OSI Database Model and all Enhancements other than
specifically provided for in Section 13, shall at all times remain with OSI.

(b) Subject to the terms and conditions of this Agreement, OSI hereby grants to
BISYS and BISYS hereby accepts from OSI a non-exclusive and non-transferable
right to use the OSI trade names "OSI" or "Open Solutions Inc." and The Complete
Banking Solution trademark during the term of this Agreement for the sole
purpose of the promotion and marketing of the System. BISYS agrees to reproduce
OSI's trademarks and proprietary rights notices as necessary and appropriate on
the products and services provided by BISYS to the Customer that contain any OSI
trade secrets, trademarks or copyrights. Any and all OSI trademarks and trade
names which BISYS uses in connection with the rights granted hereunder are and
remain the exclusive property of OSI. Nothing herein shall prohibit or otherwise
limit BISYS from promoting and marketing the System as a product offered by its
TOTALPLUS(R) Division.

(c) Within 90 days of the Effective Date, and subject to any confidentiality
limitations, OSI shall deliver to BISYS a schedule (Schedule 2 c) and copies of
the documentation set forth on such Schedule 2(c) hereto. OSI represents and
warrants that all agreements granting to OSI a license or other right to use
and/or sub-license the TPS, a schedule of OSI Interface Software, and all other
software or intellectual property included in the System shall be set forth on
Schedule 2(c).

3.    Delivery of Code.

Upon execution of this Agreement, OSI shall deliver to BISYS a Master Copy of
the OSI Proprietary Software and OSI Interface Software in object code form, and
a Master Copy of the database code for the OSI Database Model, on disk. At all
times during the term of this Agreement, OSI shall deliver to BISYS within sixty
(60) days of a general software release to its customers new Master Copies of
the OSI Proprietary Software, OSI Interface Software and OSI Database Model as
designed for use on the Designated Hardware and Operating Systems as defined in
Schedule 17(g), so that BISYS has available to it the most current version of
the System, including any and all Enhancements, offered by OSI to its customers
generally or made available by OSI to its customers generally. As part of the
License granted hereunder, BISYS shall have the right to copy such Master
Copy(ies) and Documentation for use in connection with its Outsourcing Services
and Facilities Management services to Customers and for other purposes
contemplated hereunder, including archival, testing, support backup, disaster
recovery, and demonstration.

                                      -4-
<PAGE>
4.    Exclusivity.

(a)   Subject to the limitations set forth below, BISYS shall have the exclusive
      national (i.e., United States and its territories) License to use the
      System to provide Outsourcing Services, and exclusive national License to
      provide and operate the System as Facilities Manager, to Financial
      Institutions. The foregoing notwithstanding, during the term of this
      Agreement, OSI may grant and have outstanding licenses (A) to use the
      System as an Outsourcing Services provider to up to [**] local/regional
      providers (not to include BISYS) at any one time, excluding the Excluded
      Licensees; provided in each case that such license (i) is limited to a
      single local/regional provider, i.e., not a consortium or other
      arrangement whereby a number of providers have entered into a joint
      venture or partnering arrangement, (and for the first 24 months following
      the Effective Date for the states of California, Oregon, Washington,
      Nevada and Arizona a provider in existence as of the Effective Date) with
      (X) annual revenues from its existing data processing services at the time
      of such license grant equal to or less than $[**], (Y) no more than [**]
      clients, and (Z) the main office of each of such clients within the same
      state or adjacent states as such provider, (ii) limits such license during
      the first 36 months to use the System for such provider's then existing
      clients plus up to an additional ten new clients but not more than [**]
      clients and after such 36-month period to such additional licenses as
      mutually agreed between OSI and such provider, and (iii) contains
      restrictions limiting the use of such license upon a Change of Control of
      such licensee involving a Named Competitor of BISYS to those Financial
      Institutions for which the licensee is providing Outsourcing Services as
      of the date of the Change of Control; and (B) to use the System as an
      Outsourcing provider solely to credit unions to up to an additional [**]
      local/regional providers (not to include BISYS) at any one time, excluding
      the Excluded Licensees, provided in each case that such license (i) is
      limited to a single local/regional provider, i.e., not a consortium or
      other arrangement whereby a number of providers have entered into a joint
      venture or partnering arrangement, with annual revenues from its existing
      data processing services at the time of such license grant equal to or
      less than $[**], and (ii) contains restrictions limiting to use of such
      license upon a Change of Control of such licensee involving a Named
      Competitor of BISYS to those credit unions for which the licensee is
      providing Outsourcing Services as of the date of the Change of Control
      (such providers, individually, a "Permitted Licensee" and, collectively,
      the "Permitted Licensees"). The provisions of the immediately preceding
      sentences shall terminate in the event that BISYS fails to reaffirm the
      Agreement within 180 days of a Change of Control of BISYS. A breach of the
      terms of this subparagraph (a) by OSI shall be deemed a material breach
      under the Agreement, subject to provision for cure as provided in Section
      21(b). OSI shall have the option to convert the rights granted herein to
      nonexclusive in the event BISYS is unable to achieve the following
      milestones for the periods indicated (or cumulatively with prior periods)
      by written notice within 45 days of the end of such period:

                                      -5-
<PAGE>
<TABLE>
<CAPTION>

                                                 Year 1         Year 2          Year 3        Year 4        Year 5

<S>                                              <C>            <C>             <C>           <C>           <C>
Financial Institutions entering into New          [**]           [**]            [**]          [**]          [**]
Outsourcing Services or Facilities
Management Agreements with BISYS

Conversions                                       [**]           [**]            [**]

Minimum Required License & Maintenance Fees       $[**]          $[**]          $[**]
pursuant to Sections 8(a) and (b)
</TABLE>

Provided BISYS has satisfied the milestones for years 1 through 3 and that OSI
has satisfied its obligations pursuant to sections 7, 9 , 10 and 11 hereof, then
BISYS agrees that the number of conversions for Year 4 and Year 5 shall be [**]
and [**], respectively, and further agrees to a Minimum Required License &
Maintenance Fees pursuant to Sections 8(a) and (b) for Years 4 and 5 at amounts
to be mutually agreed that represent the retail sales rates and corresponding
fees of OSI in effect at such time. It is the intent of the parties to evaluate
the terms of this Agreement at the end of such five-year period, including the
extension thereof. The foregoing notwithstanding, OSI shall not have the right
to convert such rights to nonexclusive where BISYS has (i) entered into new
Outsourcing Services and/or Facilities Management agreements with Financial
Institutions representing at least [**]% of the number required above for the
periods indicated and (ii) achieved or prepaid the above required minimum
License and Maintenance Fees within 30 days of the end of each annual period.
Provided OSI is not in breach of its obligations under this Agreement, BISYS
shall pay the minimum required fees for the periods indicated above to OSI
(i.e., a total of $[**]) in consideration of the exclusivity agreement. Any
amounts paid by BISYS to OSI to satisfy the foregoing minimum obligations and
not otherwise due pursuant to Sections 8(a) and 8(b) hereof shall be treated as
prepaid License and Maintenance Fees under such Sections and shall be applied as
a credit against future amounts due and owing thereunder.

(b) From the date hereof, BISYS shall be the preferred Facilities Manager for a
licensed System installed at a Financial Institution's facilities (i.e., where
the Financial Institution has been granted a license to use the System in-house
at its facilities and elects to seek a Facilities Manager to operate the
System). Notwithstanding the foregoing, no provision in this agreement shall be
construed as prohibiting a Financial Institution licensed to use the System from
independently retaining a Named Competitor or Excluded Licensee to serve as its
Facilities Manager.

(c) OSI represents and warrants as of the Effective Date that it has not granted
any license for use of the System to provide Outsourcing Services or to serve as
Facilities Manager to any entity other than BISYS. Unless specifically
prohibited by contract, OSI will provide written notice by BISYS upon the grant
of any license permitted pursuant to the foregoing subparagraph

                                      -6-
<PAGE>
(a). In addition, OSI agrees to provide an annual certification from its
independent auditors on or before the date it files such financial statements
with the Securities and Exchange Commission and otherwise the 120th day
following the end of each of its fiscal years, in conjunction with issuance of
its annual financial statements, identifying all license grants made pursuant to
subparagraph (a) in effect as of the end of such fiscal year.

(d) [**]. OSI represents and warrants that [**] being provided hereunder are
[**] under similar circumstances. If, during the term of this Agreement, OSI
[**] pursuant to and in accordance with subparagraph (a) hereof [**] this
Agreement [**].

(e) Equity Investment. As a condition of the grant of exclusivity and as a
condition to any license grant by OSI to a Permitted Licensee hereunder, BISYS
and OSI shall complete the documentation necessary for BISYS to make, and BISYS
shall promptly thereupon make, the equity investment in OSI described in
Schedule 4(e) to this Agreement.

(f) Reasonable Commercial Efforts & Non-compete. BISYS shall use reasonable
commercial efforts in seeking agreements to provide Outsourcing Services and
services as Facilities Manager utilizing the System. Based on OSI's efforts
pursuant to Sections 7, 9, 10 and 11 hereunder, BISYS would expect to convert an
existing TOTALPLUS system host based client to the System within 12 months of
the Effective Date. Successful achievement of this conversion within the
expected time frame is expected to facilitate the development and refinement of
related conversion programs, completion of required development and the
integration into the System of the BISYS provided "wrap-around" products and
services identified in the following Section 5. BISYS agrees to provide an
annual certification from its independent auditors, on or before such time as it
files its annual financial statements with the Securities and Exchange
Commission, certifying as to the BISYS Customers that entered into Outsourcing
Services or Facilities Management agreements with BISYS during the prior fiscal
year. BISYS recognizes that it is in the parties' best interest that the
reputation of the System be upheld and, accordingly, it shall make commercially
reasonable efforts to provide quality sales and service to its Customers.
Notwithstanding the above and without limiting BISYS right to provide its
host-based TOTALPLUS(R) system outsourcing solution, BISYS shall utilize OSI as
the exclusive provider of client/server core data processing for BISYS during
the term of this agreement. This includes development of a client/server core
processing system by BISYS or the purchase of another product from an OSI Named
Competitor as identified in Section 1.11. A breach of the foregoing shall be
deemed a material breach under the Agreement. BISYS shall have the opportunity
to cure any such breach upon notice as provided in Section 21 herein.

5.    Preferred Provider.

OSI shall include BISYS, and its affiliates, as a recommended preferred provider
to deliver the following additional wrap-around services to OSI direct customers
of the System and as applicable to prospective customers:

(a)   [**] processing.[**] services [**] BISYS.

(b)   [**] BISYS.

(c)   [**] services [**]

                                      -7-
<PAGE>
Unless inappropriate, OSI marketing and promotional material identifying
wrap-around services shall identify BISYS as a recommended preferred provider of
the foregoing services.

6.    Sales and Marketing.

(a) Training. OSI shall provide four weeks advance notice of its regularly
scheduled and periodic special internal sales training programs as well as any
other internal training programs for sales and product support, customer service
personnel and systems and software engineers. BISYS shall have the right to
include a reasonable number of its like employees in such training programs,
subject to class-size limitations, on a [**] basis. BISYS shall be responsible
for the costs of all training materials and other out-of-pocket costs and
expenses directly or indirectly resulting from the participation of its
employees in such training programs as well as all travel and related costs.

(b) Trade Shows. OSI and BISYS shall provide each other with advance notice of
their scheduled participation or intent to participate in a trade show so that
the parties may jointly participate if so desired.

(c) Demonstration. Upon execution of this Agreement, OSI shall provide to BISYS
a copy of OSI's demonstration program for sales and demonstration purposes and
shall provide BISYS with the most current version of such demonstration program
as it may exist from time to time. Unless inappropriate, OSI demonstration
systems demonstrating "wrap-around" services, as described in Section 5 hereof,
shall demonstrate the "wrap around" services offered by BISYS.

(d) Marketing Materials. BISYS and OSI shall, promptly following execution of
this Agreement, develop joint marketing material and standard disclosure
relating to each other, the alliance formed hereby and the products and services
to be offered hereunder, that may be used by both parties on an ongoing
unrestricted basis until otherwise agreed. Such material may also include a new
trademark or logo to reflect the alliance. Prior to the development of such
materials, neither party may publish and distribute any materials using the
trademarks or trade names of the other without the prior written consent of the
other, which shall not be unreasonably withheld. OSI will have final approval of
all marketing materials that represent the material functional aspects of the
System. The parties also expect to engage in certain joint sales and marketing
efforts as mutually agreed. Notwithstanding the foregoing, each party reserves
the right to continue to produce non-referencing marketing materials for their
independent use.

(e) Sales Support. OSI agrees to participate directly in any sales and marketing
presentations to potential Customers and to otherwise be actively involved in
providing sales support to BISYS through the period until BISYS has entered into
Outsourcing Services agreements or Facilities Management services agreements for
its first five Customers. Thereafter, upon BISYS' reasonable request, and
subject to availability OSI shall provide appropriate sales support to assist
BISYS in its efforts to execute additional Outsourcing Services agreement
employing the System with potential Customers. BISYS shall be responsible for
the reasonable out-of-pocket costs incurred by OSI for such support.

(f) Lead Registration and Referral. Where either BISYS or OSI determines after a
customer sales presentation or other qualification process that the customer has
a legitimate interest in the

                                      -8-
<PAGE>
System being provided in the mode offered by the other (i.e., in an Outsourcing
Services or Facilities Management mode by an OSI customer prospect or in an
in-house mode by a BISYS customer prospect), such party ("Referring Party")
shall provide a written lead registration and referral notice to the other
identifying the potential customer and contact person. The party receiving the
notice shall have the right to call upon that customer either separately or
together with the Referring Party to close the sale. The parties recognize that
they may continue in competition for such business opportunity. Where the party
receiving the notice (i) has not made a sales presentation to the identified
customer within the six-month period prior to receipt of such notice and (ii)
within six months after the notice enters into an agreement with such customer
to provide the System, the Referring Party shall be entitled to the Referral Fee
described in Section 8 hereof.

Other than the lead registration and referral process described in the foregoing
paragraph, neither party shall have an obligation to disclose to the other nor
shall either party be entitled to information relating to the potential
prospects of the other.

(g) Notice of Agreements with Customers. BISYS shall provide written notice of a
new Financial Institution client using the System to OSI within 30 days of the
execution of an agreement with such new client.

(h) Press Releases. The parties expect to issue a mutually agreed upon joint
press release announcing the alliance formed under this Agreement at the
appropriate time. Prior to such public announcement, neither party shall make
any public disclosure of the existence or terms of this Agreement without the
prior written consent of the other.

7.       Conversion and Production Support.

OSI shall provide the Conversion, programming, operations and training resources
necessary to convert the first [**] Outsourcing Services Customers in
cooperation with BISYS who shall retain control of the Customer interface. In
consideration of such support, BISYS shall reimburse OSI at cost for reasonable
expenses it incurs in connection therewith. OSI shall prepare the Conversion
plans and provide a copy to BISYS. BISYS shall participate in the Conversions as
a training mechanism and shall be responsible for all subsequent Conversions. At
BISYS' reasonable request, and subject to availability, OSI shall provide
assistance for subsequent Conversions and related production. BISYS shall pay
OSI for such subsequent support services based on OSI's time and materials [**].
In addition, OSI shall provide the technical and operations support required to
establish a production environment at BISYS' initial Outsourcing Services
production facility for the System. At a minimum, OSI shall provide the support
required to deliver production for the initial Conversion from the date of such
Conversion through the 30 days post-Conversion. BISYS shall reimburse OSI its
reasonable out-of-pocket costs for such initial production support. Thereafter,
upon BISYS' request, OSI shall provide additional production/technical support
following such 30-day period and for additional Conversions, and in
consideration thereof BISYS shall pay OSI its time and materials [**].

8.    Fees.

                                      -9-
<PAGE>
(a)   License Fees:

(i) Outsourcing. Upon successful completion of the Conversion of a Customer to
the System pursuant to an Outsourcing Services agreement, OSI shall be entitled
to a license fee equal to [**] percent ([**]%) of the OSI License Fee payable by
an OSI direct customer similarly situated as of the effective date of such
Outsourcing Services agreement. Such license fee shall be payable in equal
monthly installments over the initial term of the Outsourcing Services
agreement, not to exceed [**] during the first [**] of this Agreement and,
thereafter, not to exceed [**]. Payments shall commence on the first day of the
month following the Conversion Date and each month thereafter until paid in full
unless the Outsourcing Services agreement shall earlier terminate and BISYS is
no longer an Outsourcing Services provider or Facilities Manager to such
Customer. Where such agreement is renewed for an additional renewal term, OSI
shall be entitled to an additional license fee equal to [**]percent ([**]%) of
the difference, if any, between the License Fee payable by a similarly situated
Financial Institution as of the date of such renewal and the License Fee payable
by a similarly situated Financial Institution as of the date of the agreement.
Such additional license fee, if any, shall be payable by BISYS over the renewal
term of the agreement, not to exceed [**]. Payments shall commence on the first
day of each month following the renewal date and thereafter until paid in full
unless the agreement shall earlier terminate and BISYS is no longer an
Outsourcing Services provider or Facilities Manager to such Customer.

(ii) Facilities Management. Upon successful completion of the Conversion to the
System pursuant to a Facilities Management agreement, OSI shall be entitled to a
license fee equal to [**] percent ([**]%) of the OSI License Fee payable by an
OSI direct customer similarly situated to such Customer as of the effective date
of such Facilities Management agreement. Such license fee shall be payable in
equal monthly installments over the initial term of the Facilities Management
agreement, not to exceed [**] during the first [**] of this Agreement and,
thereafter, not to exceed [**]. Payments shall commence on the first day of each
month following the Conversion Date and thereafter until paid in full unless the
Facilities Management agreement shall earlier terminate and BISYS is no longer
an Outsourcing Services provider or Facilities Manager to such Customer. Where
such agreement is renewed for an additional renewal term, OSI shall be entitled
to an additional license fee equal to [**]y percent ([**]%) of the difference,
if any, between the License Fee payable by a similarly situated Financial
Institution as of the date of such renewal and the License Fee payable by a
similarly situated Financial Institution as of the date of the agreement. Such
additional license fee, if any, shall be payable by BISYS over the renewal term
of the agreement, not to exceed [**]. Payments shall commence on the first day
of each month following the renewal date and thereafter until paid in full
unless the agreement shall earlier terminate and BISYS is no longer an
Outsourcing Services provider or Facilities Manager to such Customer.

(iii) Termination. In the event of termination of a Outsourcing Services
agreement or Facilities Management agreement prior to the expiration of its
initial or renewal term and the termination of the corresponding license fee,
BISYS shall pay OSI in addition to the normal ongoing fees due until
termination, a termination fee equal to the lesser of the amount representing
(A) the number of monthly installments remaining and (B) the number of monthly
installments set forth below based on the number of months remaining in the
initial or renewal term of such Outsourcing Services or Facilities Management
agreement:

                                      -10-
<PAGE>
<TABLE>
<CAPTION>
Months Remaining in Term                   Monthly Installments Payable
------------------------                   ----------------------------
<S>                                        <C>
[**]+                                      [**]
[**]                                       [**]
[**]                                       [**]
</TABLE>

No further payment obligations in respect of such license fee shall be due.

(b) Maintenance Fee. Upon Conversion to the System, OSI shall be entitled to an
annual maintenance fee during the initial term of the BISYS agreement with a
Customer equal to a percentage of the OSI License Fee payable by an OSI direct
customer similarly situated as of the date of the agreement as follows:

<TABLE>
<CAPTION>
Year                      Percentage
----                      ----------
<S>                       <C>
[**]                      [**]%
[**]                      [**]%
[**]+                     [**]%
</TABLE>

Such annual maintenance fee shall be payable in equal monthly installments
commencing on the first day of each month following the Conversion Date through
the initial term or earlier termination of the agreement between BISYS and such
Customer. During any renewal term of the BISYS agreement with a Customer OSI
shall be entitled to an annual maintenance fee equal to [**]% of the License Fee
payable by a similarly situated Financial Institution as of the date of such
renewal. Such annual maintenance fee shall be payable in equal monthly
installments commencing on the first day of each month following the renewal
date through the renewal term or earlier termination of such agreement.

(c) Referral Fee. Upon the conversion of a System based on the lead registration
and referral process described in Section 6(f) hereof, the party receiving the
benefit of the referral shall pay the Referring Party a one-time referral fee
equal to [**]% of the License Fee payable by a similarly situated Financial
Institution, payable within 30 days of the conversion date of the System. To the
extent the referral was provided by a sales representative customarily entitled
to commissions, it is expected that the Referring Party shall, subject to its
internal commission policies with respect to entitlement to commissions, pay
such referral fee to such sales representative.

(d) Preferred Vendor Fees. Where through OSI's efforts BISYS secures an
agreement to provide the services set forth in Section 5 hereof to OSI direct
customers of the System, OSI shall be entitled to receive the following fees
based on such agreements during the period in which both this Agreement and such
agreement to provide such services are in effect:

<TABLE>
<S>                                         <C>
[**] processing                             [**]% of annual revenue
[**] services                               [**]% of initial license fee
[**]services                                [**]% of annual revenue
[**] services                               [**]% of annual revenue
</TABLE>

Such fees, other than the fees related to [**] services, shall be payable
monthly by the end of the month based on the payment of the associated revenues
by the customer to BISYS in the

                                      -11-
<PAGE>
preceding month. A summary report setting forth the calculation of the fees
shall accompany such monthly payment. The fees relating to imaging services
shall be paid within 30 days of receipt of the payment to BISYS of such initial
license fee.

9.    System Support.

Irrespective of the termination of this Agreement, so long as any Outsourcing
Services or Facilities Management agreement between BISYS and a Customer
employing the System shall be in effect, OSI shall be obligated to provide
ongoing maintenance support to BISYS for the OSI Proprietary Software and the
OSI Interface Software as provided in Attachment 1 hereto.

Notwithstanding OSI's support provided under Attachment 1, BISYS agrees that it
shall provide the first line of product and technical help desk support to its
Customers. This shall include all of the day to day issues of functionality,
error correction and customer service. In no instance shall OSI provide direct
support to BISYS Customers. Said OSI services shall be provided seven (7) days
per week, twenty-four (24) hours per day for Priority A errors and during normal
working hours for other errors. OSI shall furnish the names and telephone
numbers of its personnel for both normal working hours and other times (e.g.,
holidays, weekends, etc.). BISYS shall provide the names and telephone numbers
of the designated BISYS personnel assigned to work with OSI.

BISYS agrees to use its best efforts to minimize the number of support contacts
that it makes with OSI after the first [**] Outsourcing Services or Facilities
Management Services installations made under this Agreement.

10.   Product Development.

OSI shall use reasonable commercial efforts to maintain the System competitive
in its marketplace. A breach of the foregoing shall be deemed a material breach
under the Agreement. OSI shall have the opportunity to cure any such breach upon
notice as provided in Section 21 herein. Appropriate representatives of OSI and
BISYS shall meet at least semi-annually to discuss and review OSI product
development plans and for BISYS to provide input based on competitive feature
and function requirements. At any time during the term of this Agreement, BISYS
shall have the right to request certain development efforts related to the
System. To the extent it is mutually agreed that such development efforts
enhance the overall value, marketability or competitive position of the system,
such efforts shall be funded by OSI. BISYS shall be given the opportunity to
contribute to such efforts either through funding and/or contribution of
application specifications and/or certain technology to expedite delivery or to
address certain customer requirements that may not be considered to
significantly enhance the overall value, marketability or competitive value of
the system. In the event that BISYS develops and offers to OSI an application
mutually agreed to have value to the System, BISYS shall contribute such
application to OSI in consideration of a payment equal to [**] and $[**].
Payment to BISYS for any such development shall be made quarterly over a [**]
period. All products, derivative works or other intellectual property resulting
from such development efforts and incorporated into the System shall, as
incorporated, be the property of OSI regardless of the manner of funding and
regardless of whether made by OSI or BISYS. As the developer of the System, OSI
acknowledges that it will from time to time engage in certain software and

                                      -12-
<PAGE>
hardware benchmarking activities. OSI shall provide BISYS with written copies of
the results of all such benchmarking activities within 30 days of any such
benchmarking.

The parties recognize that BISYS has an interest in evaluating the technical
feasibility of integrating certain OSI System modules as replacements and/or
upgrades to its existing mainframe modules or otherwise developing linkages
between the OSI System modules and its mainframe modules. OSI agrees to support
and participate in any such feasibility evaluations which are expected to
include an evaluation of the integration of OSI's client server module to the
BISYS mainframe environment and/or use of the OSI System application code at the
BISYS mainframe level.

OSI, recognizing that modifications to the System designed to enhance its
performance in a multi Financial Institution processing environment will be
beneficial to BISYS and to the Permitted Licensees and are fundamental to such
persons serving as Outsourcing providers, shall modify the System accordingly to
attain the anticipated benefits within a mutually agreeable time-frame provided
that BISYS pays for [**]% of the required investment. BISYS shall recover from
OSI up to [**] of such investment(s) (i.e., [**]% of the total investment such
that if fully recovered OSI and BISYS shall have each invested [**]% of the
required investment) in the following manner:

      (a) upon the grant of a license to a Permitted Licensee, a credit toward
License and Maintenance Fees payable pursuant to Sections 8(a) and (b) hereof
equal to the total investment made by BISYS multiplied by a fraction the
numerator of which is the number of clients for which the Permitted Licensee
provides outsourcing services and the denominator is the number of clients for
which BISYS provides outsourcing services; and

      (b) a credit of [**]% toward any License and Maintenance Fees payable in
excess of the minimum required License and Maintenance Fees pursuant to Sections
8(a) and (b) hereof as set forth in the table in Section 4(a) hereof.

OSI reserves all right to determine the scope and nature of any and all
development activities that will be performed to the System regardless of the
source of funding.

11.   Customer Requirements.

OSI recognizes that BISYS may from time to time be requested to provide
additional features, functionality or interfaces with respect to the System in
order to secure a new, or retain an existing, Customer. OSI agrees to use
reasonable commercial efforts to deliver a feasibility assessment with respect
to such additional features, functionality or interfaces in writing within 30
days of receipt of a written request, including but not limited to an assessment
of the time period and resources necessary for, and remuneration to OSI to
satisfy such requirements. Based on such assessment, CSI and BISYS by mutual
agreement shall determine the appropriate course of action to address the
Customer requirements and, if appropriate, to set forth the specifications,
deliverables and costs in a writing mutually agreed and signed by OSI and BISYS.
OSI shall use commercially reasonable efforts to satisfy the requirements set
forth in such written agreement within the agreed time periods. BISYS shall not
make any contractual obligations with respect to such Customer requirements
except as specifically approved in writing by OSI.

                                      -13-
<PAGE>
12. Third Party Products.

Subject to limitations with the agreements between OSI and third parties and
applicable law, OSI shall [**] all net profit from the sale of certain third
party products, including but not limited to the TPS, licensed or sold in
conjunction with the System to support Outsourcing Services and Facilities
Management services provided by BISYS.

13. Source Code. As a condition to the effectiveness of the Agreement, OSI
agrees to enter into the standard escrow agreement providing BISYS with certain
rights to the source code for the OSI Proprietary Software and the OSI interface
Software owned by OSI as set forth as Attachment 2 hereto, and to provide
current versions of such Software to the Escrow Agent as provided in such Escrow
Agreement, with the following additional release conditions:

(a) OSI's failure to take reasonable commercial efforts to cure its material
breach within ninety (90) days of receipt of written notice of such breach;

(b) OSI (i) becomes or is declared insolvent or bankrupt, (ii) becomes the
subject of, and fails to cause its dismissal within 180 days, any proceedings
relating to its liquidation, insolvency or for the appointment of a receiver or
similar officer for it, (iii) makes an assignment for the benefit of all or
substantially all of its creditors, or (iv) enters into an agreement for the
composition, extension, or readjustment of all or substantially all of its
obligations; or

(c) written notice of BISYS at any time during the 180 day period following a
Change of Control of OSI.

Emergency Access to Source Code: BISYS shall have immediate, temporary access to
the OSI Source Code upon written request to OSI in the event that a Customer
Emergency occurs. Such access shall last until the condition(s) requiring such
access have ceased and thereupon BISYS shall promptly return the deposit
materials to the Escrow Agent, together with a notification of the actions taken
and due documentation of all modifications, if any, made to the OSI Source Code.

Definitions: For purposes of this Section, the following definitions shall
apply:

Customer Emergency: - BISYS has received notification from a Customer clearly
and convincingly demonstrating that, unless immediate, emergency corrective
modifications are made to the OSI Proprietary Software or to the OSI Interface
Software, and OSI is either incapable or refuses to make such corrective
modification, the Customer will be unable to operate in a commercially
reasonable capacity (which capacity shall include temporary off-line operations)
and material damages will be incurred by the Customer as a result thereof.

BISYS Rights to OSI Source Code Upon Change of Control of OSI. OSI shall
promptly deliver to BISYS a machine readable copy of the then current version of
the OSI Source Code upon a Chance of Control of OSI. Thereafter OSI shall
deliver a new machine readable copy of the OSI Source Code within ninety (90)
days following a general release to OSI customers of any Enhancements or new
versions of the OSI Proprietary Software or OSI Interface Software developed by
OSI unless and until BISYS elects not to terminate this Agreement pursuant to
Section 21 (b)(iv) hereof, in which case BISYS shall return all copies of the
OSI Source Code to

                                      -14-
<PAGE>
OSI or its successor and continue with the Agreement as originally determined.
In the event that BISYS chooses to terminate this Agreement as provided in
Section 21 (b)(iv) due to a Change of Control of OSI, BISYS shall have the right
to use the OSI Source Code to provide Outsourcing Services and Facilities
Management services to BISYS Customers and to maintain and support such
services, shall be free to develop additional Enhancements to such OSI Source
Code for use by BISYS Customers. It is understood that any Enhancements,
modifications or changes made by BISYS to the OSI Source Code under this section
shall be used solely for the purposes described in the previous sentence. BISYS
shall have ownership rights to only the Enhancements made by BISYS allowable
under this Section 13. OSI shall have no obligation to support and maintain any
Enhancements made by BISYS under the conditions set forth in Section 21 (b)(iv).

14. Board Seat.

During the term of this Agreement, BISYS shall be entitled to nominate a
candidate to the Board of Directors of OSI, or any parent or holding company
that may hereafter exist and OSI agrees to take steps necessary to cause the
nomination of the person so nominated.

15. Employees.

During the term of this Agreement, each party will refrain from seeking to hire
the employees of the other and, for the one year following termination of
employment, terminated employees of the other without the prior written consent
of the other.

16. Confidentiality.

OSI represents that the System contains trade secrets and BISYS agrees to treat
the OSI Proprietary Software, OSI Database model and OSI Interface Software as
OSI's confidential information and will not disassemble, de-compile or reverse
engineer the System. Any breach or attempted breach of the foregoing sentence
shall be considered a material breach and subject to cure as provided in Section
21 herein.

The parties further acknowledge that in the course of performing their
respective responsibilities under this Agreement, each may be exposed to or
acquire information which is proprietary to or confidential to the other party
or its clients, including computer programs, software tools, protocols, system
benchmarks, business and marketing plans, product descriptions, development
schedules, product positioning, choices of product names and financial data. All
such confidential and proprietary information, in whatever form, are hereinafter
collectively referred to as "Confidential Information".

Except as otherwise permitted hereunder, the parties agree to hold such
information in strict confidence and not to copy, reproduce, sell, assign,
license, market, transfer, give or otherwise disclose such information to third
parties or to use such information for any purposes whatsoever, without the
express written permission of the other party and to advise each of their
employees, agents and representatives of their obligations to keep such
information confidential.

The parties shall use their reasonable efforts to assist each other in
identifying and preventing any unauthorized use or disclosure of any
Confidential Information. Without limitation of the

                                      -15-
<PAGE>
foregoing, the parties shall use reasonable efforts to advise each other
immediately in the event that either learns or has reason to believe that any
person who has had access to Confidential Information has violated or intends to
violate the terms of this provision, and will reasonably cooperate in seeking
injunctive relief against any such person.

"Confidential Information" shall not include information that: (i) is, as of the
time of its disclosure, or thereafter becomes part of the public domain through
a source other than the receiving party; (ii) was known to the receiving party
as of the time of its disclosure; (iii) is independently developed by the
receiving party; (iv) is subsequently learned from a third party not under a
confidentiality obligation to the providing party; or (v) is required to be
disclosed pursuant to court order or government authority, whereupon the
receiving party shall provide notice to the other party prior to such
disclosure.

17. Warranties.

(a) Ownership. OSI represents and warrants that it has the sole ownership of
and/or the right to license and sub-license the OSI Proprietary Software and the
OSI Interface Software as contemplated by this Agreement and has the full power
to grant the rights granted herein without the consent of any other person or
entity.

(b) Performance. OSI represents, warrants and covenants that the media on which
the OSI Proprietary Software and OSI Interface Software is recorded and
delivered to BISYS hereunder is free from defects in material and workmanship
under normal use and service for a period of ninety (90) days from delivery. OSI
agrees to replace any defective media upon return to OSI. OSI represents and
warrants that it has taken all steps necessary to test the OSI Proprietary
Software and the OSI Interface Software for Disabling Code (as defined herein)
and to eliminate Disabling Code from the OSI Proprietary Software and the OSI
Interface Software. OSI warrants that the OSI Proprietary Software and the OSI
Interface Software will be free of Disabling Code as of the date of delivery by
OSI to BISYS.

OSI will continue to take such steps with respect to all Enhancements made by
OSI to keep the same and the OSI Proprietary Software and OSI Interface Software
free of Disabling Code. Disabling Code shall mean computer instructions that:

a. Alter, destroy or inhibit the OSI Proprietary Software, OSI Interface
Software or BISYS' processing environment, including without limitation, other
programs, data storage, computer libraries, and computer and communications
equipment;

b. without functional purpose, self-replicate without manual intervention; or

c. purport to perform a meaningful function but which actually perform either a
destructive or harmful function, or perform no meaningful function.

OSI agrees that it will maintain a master copy of the OSI Proprietary Software
and the CSI Interface Software and all Enhancements made by OSI thereto, and
will take such steps as are necessary to keep the same free of Disabling Code.

(c) Disclaimer. THESE EXPRESS WARRANTIES TAKE THE PLACE OF AND SUPERSEDE ALL
OTHER WARRANTIES, EXPRESS OR IMPLIED AND WHETHER OF MERCHANTABILITY, FITNESS FOR
A PARTICULAR PURPOSE OR OTHERWISE, ALL

                                      -16-
<PAGE>
OF WHICH ARE HEREBY EXPRESSLY DISCLAIMED. EXCEPT AS EXPRESSLY PROVIDED HEREIN,
OSI DOES NOT WARRANT, GUARANTEE, OR MAKE ANY REPRESENTATIONS REGARDING THE USE,
OR THE RESULTS OF THE USE, OF THE OSI PROPRIETARY SOFTWARE, OSI INTERFACE
SOFTWARE OR DOCUMENTATION. OSI DOES NOT WARRANT THAT THE OPERATIONS OF THE OSI
PROPRIETARY SOFTWARE OR OSI INTERFACE SOFTWARE WILL BE UNINTERRUPTED OR ERROR
FREE.

BISYS understands that OSI is not responsible for and will have no liability for
and does not warrant hardware, software, or other items or any services provided
by any persons other than OSI. BISYS will also indemnify and hold OSI harmless
from any misrepresentations made by BISYS or its representatives as to the
features, functions and capabilities of the System. Failure of BISYS to
indemnify or hold OSI harmless from any such misrepresentation shall be
considered a material breach of this Agreement.

(d) Limitation of Liability. EXCEPT FOR OSI'S INDEMNITY OBLIGATIONS UNDER
SECTION 19 (RELATING TO INTELLECTUAL PROPERTY INFRINGEMENTS), A BREACH OF ITS
CONFIDENTIALITY OBLIGATIONS UNDER SECTION 16, ANY LIABILITY OSI MAY HAVE FOR
PERSONAL INJURY OR DAMAGE OR DESTRUCTION OF REAL OR TANGIBLE PERSONAL PROPERTY,
OR LIABILITY RESULTING FROM OSI'S GROSS NEGLIGENCE OR WILLFUL MISCONDUCT, OSI
SHALL NOT BE LIABLE TO BISYS FOR ANY INDIRECT, SPECIAL, INCIDENTAL OR
CONSEQUENTIAL DAMAGES ARISING OR LOST PROFITS OR REVENUES OUT OF THIS AGREEMENT
OR IN ANY WAY RELATED TO THIS AGREEMENT, EVEN IF OSI KNOWS, SHOULD HAVE KNOWN,
OR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

EXCEPT FOR A BREACH OF ITS CONFIDENTIALITY OBLIGATIONS UNDER SECTION 16, OR
LIABILITY RESULTING FROM ITS GROSS NEGLIGENCE OR WILLFUL MISCONDUCT, BISYS SHALL
NOT BE LIABLE TO OSI FOR ANY INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL
DAMAGES OR LOST PROFITS OR REVENUES ARISING OUT OF THIS AGREEMENT OR IN ANY WAY
RELATED TO THIS AGREEMENT, EVEN IF BISYS KNOWS, SHOULD HAVE KNOWN, OR HAS BEEN
ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

(e) Compliance with Laws and Regulations. OSI represents that for a period of
ninety (90) days after the date of execution of this Agreement and during any
period during which BISYS is receiving support in accordance with the terms and
conditions hereof, the OSI Proprietary Software and the OSI Interface Software
shall:

a. Function and perform substantially in accordance with the Documentation and
specifications.

b. Operate on the Designated Hardware consistent with the specifications and
Documentation.

c. Process BISYS' Customer's data in accordance with the minimum data processing
standards promulgated by federal banking agencies which regulate BISYS'
Customers. If BISYS discovers that either the OSI Proprietary Software or OSI
Interface Software does not meet the criteria set forth above, BISYS shall
notify OSI and OSI shall promptly take

                                      -17-
<PAGE>
commercially reasonable steps in accordance with support terms and conditions to
bring the OSI Proprietary Software or OSI Interface Software into compliance
with the criteria set forth above.

(f) Year 2000 Compliance. OSI represents that the OSI Proprietary Software and
the OSI Interface Software to be utilized by BISYS and its Customers corresponds
with standards set forth in Attachment 3 to this Agreement, taking into
consideration the appropriate governmental regulatory agencies' requirements
regarding the year 2000. Upon BISYS' written request given after October 1,
1998, BISYS, at its own cost, may retain the services of a third party auditor
to review and evaluate, at a time mutually agreed, the System for the sole
purpose of determining whether the System is able to perform Year 2000
processing.

(g) Compatibility with Designated Hardware. The System, and each module and
function thereof, will be capable of operating in a commercially reasonable
manner on the Designated Hardware and operating environment specified in
Schedule 17(g).

19. Indemnification.

(a) Indemnification by OSI. OSI shall defend, indemnify and hold BISYS and its
officers, directors, agents and employees harmless from and against any and all
claims, suits, damages, liabilities, costs and expenses (including reasonable
attorney's fees) arising out of or resulting from any claim that BISYS' use of
the OSI Proprietary Software or OSI Interface Software infringes a presently
existing United States patent, copyright, or trademark or misappropriates a
trade secret of any third party, provided OSI is:

(i) promptly notified of any and all threats, claims and proceedings related
thereto,

(ii) given reasonable assistance (at OSI's sole cost and expense), and

(iii) given the opportunity to assume sole control over the defense and all
negotiations for a settlement or compromise.

OSI shall not, however, enter into any settlement without BISYS' prior written
consent, which shall not be unreasonably withheld, if such settlement impairs
any material right of BISYS under the Agreement.

Notwithstanding anything to the contrary contained herein, BISYS shall have the
right to defend and settle, at OSI's expense, against any such infringement or
misappropriation claim in the event that OSI fails to assume or reasonably
pursue such defense.

In the event that the OSI Proprietary Software or OSI Interface Software, or any
portion thereof becomes the subject of a claim of infringement or
misappropriation, OSI may, at its option and its expense, take any of the
following steps so that BISYS' use is not subject to any claim of infringement
or misappropriation and BISYS is provided with functionally equivalent software
to the reasonable satisfaction of BISYS, provided that BISYS' use of the OSI
Proprietary Software or OSI Interface Software conforms with the provisions of
the Agreement:

(i) procure for BISYS the right to continue using the OSI Proprietary Software
or OSI Interface Software; or

(ii) replace or modify the infringing portion of the OSI Proprietary Software or
OSI Interface Software.

                                      -18-
<PAGE>
The foregoing obligations of OSI do not apply with respect to software and any
other products or portions or components thereof.

(i) which are not the latest available release supplied by OSI to BISYS,

(ii) which are modified by BISYS after shipment by OSI, if the alleged
infringement relates to such modification, unless OSI has consented to the
modification in writing, or such modifications is otherwise authorized,
permitted or provided for under this Agreement, or

(iii) which are combined with other products, processes, hardware or materials
where the alleged infringement relates to such combination, unless OSI has
consented in writing to such combination or such combination is otherwise
authorized, permitted or provided for under this Agreement.

THE FOREGOING STATES THE ENTIRE LIABILITY OF OSI WITH RESPECT TO INFRINGEMENT OF
ANY PATENTS, COPYRIGHTS, TRADEMARKS OR MISAPPROPRIATION OF TRADE SECRETS BY THE
OSI PROPRIETARY SOFTWARE OR OSI INTERFACE SOFTWARE OR ANY PARTS THEREOF. NO
COSTS OR EXPENSES SHALL BE INCURRED FOR THE ACCOUNT OF OSI BY BISYS OR ITS
AGENTS WITHOUT THE PRIOR WRITTEN CONSENT OF OSI.

The provisions of this Section 19 do not apply to any TPS or any OSI Interface
Software licensed by OSI from a third party.

Indemnification Procedures. The OSI indemnification obligation under the
foregoing subparagraph (a) shall not apply (i) to the extent that BISYS was
responsible for giving rise to the matter upon which the claim for
indemnification is based, and (ii) unless BISYS promptly notifies OSI of any
matters in respect of which the indemnity may apply and of which BISYS has
knowledge and gives OSI the full opportunity to control the response thereto and
the defense thereof, including without limitation any agreement relating to the
settlement thereof. BISYS' failure to promptly give notice shall affect OSI's
indemnification obligation only to the extent OSI's rights are materially
prejudiced by such failure. BISYS may participate, at its own expense, in such
defense and in any settlement discussions directly or through counsel of its
choice.

20. Right to Make an Offer upon Third Party Offer.

BISYS shall have the right to offer to acquire all the outstanding shares or
substantially all the assets of OSI in the event of any bona fide written Third
Party Offer to acquire all of the outstanding shares or substantially all the
assets of OSI acceptable to the Board of Directors of OSI. OSI shall notify
BISYS of such offer and all material terms thereof. For purposes of this
Section, a "Third Party Offer" means a written offer from any person or entity
with the demonstrated financial means to purchase all the outstanding shares or
substantially all the assets of OSI. Once BISYS receives notice of such bona
fide offer and OSI's notice of intention to duly consider such offer, BISYS
shall have [**] in which to notify OSI of its intent either to offer to acquire
all of the outstanding ownership interests in or substantially all the assets of
OSI or to decline the opportunity to make an offer. If BISYS intends to make an
offer it shall do so within [**] of its notice to OSI. Thereafter, OSI shall
consider the BISYS offer prior to acceptance of any offer. The OSI Board of
Directors at its discretion and in accordance with its

                                      -19-
<PAGE>
fiduciary duty will consider and accept the offer that best benefits OSI's
shareholders. BISYS' right to notice shall terminate upon completion of an
initial public offering.

21. Termination.

(a) Term. This Agreement shall commence as of the Effective Date and continue
indefinitely unless terminated in accordance with provisions under this Section.

(b) Termination Conditions. This Agreement shall terminate upon:

(i) written agreement of the parties to terminate this Agreement;

(ii) a party failing to cure its material breach within ninety (90) days of
receipt of notice of such breach, and notice from the non-breaching party to the
breaching party of its intent to terminate this Agreement as of the date set
forth in such notice;

(iii) a party (A) becoming or being declared insolvent or bankrupt, (B) becoming
the subject of, and failing to cause its dismissal within 180 days, any
proceedings relating to its liquidation, insolvency or for the appointment of a
receiver or similar officer for it, (C) making an assignment for the benefit of
all or substantially all of its creditors, or (D) entering into an agreement for
the composition, extension, or readjustment of all or substantially all of its
obligations, and notice from the other party of its intent to terminate this
Agreement as of the date set forth in such notice; or

(iv) written notice of BISYS at any time during the 180 day period following a
Change of Control of OSI on not less than 30 days written notice; provided that
such termination date is a date not later than the last day of such 180 day
period.

(c) Duties Upon Termination. Upon termination of this Agreement, the parties
shall continue to perform their respective payment and support obligations under
Sections 8 and 9 hereof which obligations shall survive the termination of this
Agreement. The foregoing notwithstanding, in the event of a termination pursuant
to clause (b)(iv) above, BISYS and OSI shall have the following rights and
obligations so long as any Outsourcing Services or Facilities Management
agreement remains in effect:

(i)   OSI shall continue to provide all Enhancements to, and any and all new
      versions of, the OSI Source Code to BISYS within 90 days following general
      release to OSI customers;

(ii)  BISYS shall have the right to convert an unlimited number of additional
      BISYS Customers to the System and in consideration thereof shall pay OSI
      the License Fees as provided in Section 8(a) hereof;

(iii) For the 12 month period commencing with the first full month following the
termination date, BISYS shall pay the Maintenance Fees provided in Section 8(b)
hereof for both then existing and new BISYS Customers and OSI shall provide the
support services as set forth in Attachment 1 hereto. After such 12 month
period, (Y) OSI shall no longer be obligated to provide such support services,
and (Z) in consideration of OSI's obligation in clause i) above, BISYS shall pay
OSI a maintenance fee of [**]% ([**]% commencing with the quarter

                                      -20-
<PAGE>
following the date on which the number of BISYS Customers exceeds [**]) of the
License Fee applicable to each BISYS Customer. The applicable License Fee for
existing BISYS Customers as of the end of such 12 month period shall be the
License Fee then being used for such Customer for the calculation of maintenance
fees under Section 8(b) hereof. The applicable License Fee for new BISYS
Customers after such 12 month period shall be the License Fee used to determine
the license fee payable by BISYS pursuant to the foregoing clause ii).

22. Dispute Resolution.

(a) Any controversy or claim arising out of or relating to this Agreement or the
breach thereof shall be settled by arbitration before three (3) arbitrators in
accordance with the Rules of the American Arbitration Association ("AAA") then
in effect, and judgment upon the award rendered by the arbitrators may be
entered in any court having jurisdiction. Any such arbitration shall be
conducted in the city nearest OSI's office having an AAA regional office. The
arbitrators shall be selected from a panel of persons having experience with and
knowledge of electronic computers and the computer business, and at least one of
the arbitrators selected shall be an attorney.

(b) The arbitrators shall have no authority to award punitive damages and may
not, in any event, make any ruling, finding or award that does not conform to
the terms and conditions of this Agreement.

(c) Either party, before or during any arbitration, may apply to a court having
jurisdiction for a temporary restraining order or preliminary or permanent
injunction where such relief is necessary to protect its interests.

(d) Neither party nor the arbitrators may disclose the existence or results of
any arbitration hereunder without the prior written consent of both Parties.

(e) Prior to initiation of arbitration or any form of legal or equitable
proceeding permitted by this agreement, the aggrieved party shall give the other
party at least thirty (30) days prior written notice describing the claim and
amount as to which it intends to initiate action, provided that nothing
contained herein shall prohibit either party from immediately seeking equitable
relief to enforce any provision of this agreement from a court of competent
jurisdiction under such circumstances as that party's interests hereunder and
its property will be otherwise comprised.

23. Assignment. Except as specifically stated in this Agreement with regards to
Change in Control, neither this Agreement nor any of the rights, interests or
obligations of any party hereunder shall be assigned or delegated by either
party hereto without the prior written consent of the other. Such consent shall
not be withheld unreasonably. Any unauthorized assignment or delegation shall be
null and void.

24. General.

(a) Notices. Any notice provided pursuant to this Agreement shall be in writing
and shall be deemed given (i) if by hand delivery, upon receipt thereof; (ii) if
mailed, three (3) days after

                                      -21-
<PAGE>
deposit in the United States mails, postage prepaid, certified mail return
receipt requested, or (iii) if sent via overnight courier upon receipt.

If to BISYS:
Paul H. Bourke, President
BISYS, Inc.
11 Greenway Plaza
Houston, TX 77046-1102

With copies to:
General Counsel
The BISYS Group, Inc.
150 Clove Road
Little Falls, NJ 07424

If to OSI:

Douglas Anderson, President
Open Solutions, Inc.
300 Winding Brook Drive
Glastonbury, CT 06033

With copies to:
Christine Horrigan, Esq.
Shipman & Goodman
One American Row
Hartford, CT 06103

(b) Binding Agreement. This Agreement shall be binding upon and inure to the
benefit of the parties, their successors and permitted assigns.

(c) Governing Law and Venue. This Agreement and performance hereunder shall be
governed by the laws of the State of New York without regard to conflicts of
law.

(d) Force Majeure. Neither party shall be liable for delay or failure to perform
any of its obligations hereunder to the extent that such delay or failure arises
times shall be considered extended for a period of time equal to the time lost
because of such delay or failure.

(e) Severability. If any provision of this Agreement shall be held to be
invalid, illegal or unenforceable by a court of competent jurisdiction, the
validity, legality and enforceability of the remaining provisions shall in no
way be affected or impaired thereby.

(f) Remedies. The rights and remedies of the parties set forth in this Agreement
are not exclusive and are in addition to any other rights and remedies available
to them in law or in equity.

                                      -22-
<PAGE>
(g) No Waiver. The waiver or failure of any party to exercise any right provided
for herein shall not be deemed a waiver of any further right hereunder.

(h) Independent Contractors. The parties shall at all times be independent
contractors with respect to each other in carrying out this Agreement.

(i) Headings. Headings used in this Agreement are for reference only and shall
not be deemed a part of this Agreement.

(j) Survival. In addition to OSI's obligations under Section 9, and BISYS'
payment obligations under section 8 and rights to obtain the source code from
escrow under Section 13, the provisions of this Agreement relating to
warranties, limitations of liability, indemnification, confidentiality, choice
of law and dispute resolution shall survive the termination of this Agreement.

(k) Conduct. Notwithstanding that OSI and BISYS may at times be in competition
for the same Customer, each party agrees to refrain from conduct intended to
disadvantage the other. Repeated violations of this section during any twelve
(12) month period after notice of such violation shall be considered a material
breach not subject to cure.

(l) Taxes. The System licensed hereunder to BISYS is basically for sublicense to
Customers and therefore should be exempt from sales, use and other similar
taxes. However, if such tax should be imposed on OSI, BISYS shall either bear
such tax by a direct payment to the taxing authority or shall reimburse OSI for
such tax. BISYS shall be responsible for any applicable customs and duties
related to its sublicensing of the System.

(m) Entire Agreement. This Agreement constitutes the complete understanding and
agreement of the parties with respect to the subject matter hereof and
supersedes and merges any prior understandings, statements, negotiations between
the parties, whether oral or otherwise. This Agreement may not be modified
except by a writing subscribed to by both parties.

IN WITNESS WHEREOF, the parties have executed this Agreement by their duty
authorized representatives as of the date first set forth above.

OPEN SOLUTIONS INC.                                     BISYS, INC.

By:  /s/ Douglas Anderson                               By:  /s/ Paul H. Bourke
    ----------------------------------                       -------------------
     Name/title:                                             Name/title:

                                      -23-
<PAGE>
Schedule 1.6

[**]

                                      -24-
<PAGE>
Schedule 1.12
OSI 1997 List Price Schedule

               The Complete Banking Solution 1997 Pricing Schedule
               (Prices based on the higher of assets or accounts)
<TABLE>
<CAPTION>
Asset Size or Number of Accounts                             Cost of System
<S>                                                          <C>
[**] Accounts                                                $[**]
[**] Accounts                                                $[**]
[**] Accounts                                                $[**]
[**] Accounts                                                $[**]
[**] Accounts                                                $[**]
[**] Accounts                                                $[**]
[**] Accounts                                                $[**]
[**] Accounts                                                $[**]
[**] Accounts                                                $[**]
[**] Accounts                                                $[**]
[**] Accounts                                                $[**]
[**] Accounts                                                $[**]
[**] Accounts                                                $[**]
[**] Accounts                                                $[**]
[**] Accounts                                                $[**]
[**] Accounts                                                $[**]
[**] Accounts                                                $[**]
[**] Accounts                                                $[**]
[**] Accounts                                                $[**]
[**] Accounts                                                $[**]
[**] Accounts                                                $[**]
[**] Accounts                                                $[**]
[**] Accounts                                                $[**]
[**] Accounts                                                $[**]
[**] Accounts                                                $[**]
</TABLE>

1997 Annual License Maintenance Fee Rate
[**] Percent ([**]%) of the list price.

                                      -25-
<PAGE>
Schedule 1.15
OSI Proprietary Software

A.    OSI Proprietary Software

      "The Complete Banking Solution" Modules:

         Customer Service Representative                  System Operations
         Teller                                           Bank Operations
         Loan Monetary                                    Branch Operations
         Loan CSR                                         Product Manager
         Loan Utilities                                   External File Manager
         Loan Investor                                    Batch Manager
         Loan Escrow                                      Batch Server
         Card Manager                                     G/L Interface
         OSI Data Model                                   IRS Manager

B.    Documentation

          [**]
              [**]                                       [**]
              [**]                                       [**]
              [**]                                       [**]
              [**]                                       [**]
              [**]                                       [**]
              [**]                                       [**]
              [**]                                       [**]
              [**]                                       [**]
              [**]                                       [**]

C.    Designated Hardware and Operating Systems

      The System operates on Intel based servers and personal computers
utilizing Microsoft Windows NT as the operating system and the Oracle Relational
Database Management System.

                                      -26-
<PAGE>
Schedule 1.16
OSI's "The Complete Banking Solution" Interface Listing

[**]                 $[**]
[**]
[**]
[**]

[**] Systems         [**]                 [**]                        $[**]
[**]                                      [**]
[**] Systems                              [**] Systems

[**] Processing      $[**]                [**] Systems                $[**]
     [**]                                 [**]
     [**]
     [**]

[**] Systems         $[**]
     [**]
     [**]
     [**]
     [**]

[**] Systems         $[**]
     [**] Systems

[**]
     [**]            $[**]
         [**]
         [**]
         [**]

[**]                 $[**] per branch     $[**] per pager setup
     [**]
     [**]
     [**]
     [**]

[**] Systems         $[**]
     [**]
     [**]

                                      -27-
<PAGE>
Schedule 1.19
Third Party Software ("TPS")

Oracle Relational Data Base Management System                        Release 7.3

Oasis Device Driver Software (Passbook & Validation & Receipt Printers)

SQRIBE Software              SQR Production Reporting Tool

Eventus Software             SQL Studio Data Access Tool

Jetform Software             Forms Generation Tool for use with Electronic Forms

Octopus Automatic Switch Over Software                    Disaster Recovery Tool

                                      -28-
<PAGE>
Server CPU, Memory and Disk Estimates
<TABLE>
<CAPTION>
No. of Accounts               Suggested CPU                Suggested Disk              Database Space
---------------               -------------                --------------              --------------
<S>                           <C>                          <C>                         <C>
[**]                          [**]                         [**]                        [**]
[**]                          [**]                         [**]                        [**]
[**]                          [**]                         [**]                        [**]
[**]                          [**]                         [**]                        [**]
[**]                          [**]                         [**]                        [**]
[**]                          [**]                         [**]                        [**]
</TABLE>

<TABLE>
<CAPTION>
No. of Workstations           Suggested RAM
-------------------           -------------
<S>                           <C>
[**]                          [**]
[**]                          [**]
[**]                          [**]
[**]                          [**]
[**]                          [**]
[**]                          [**]
[**]                          [**]
[**]                          [**]

</TABLE>

                                      -29-
<PAGE>
Schedule 4(e)

-     Purchase of 833,333 shares of Preferred Stock @ $6.00 per share for a
      total equity investment of $5 million.

-     Plus a warrant to acquire an additional 416,667 shares @ $6.00 per share.

-     Subject to customary terms and conditions for such equity investments as
      the parties mutually agree.

                                      -30-
<PAGE>
Schedule 17G

Estimated Hardware/Software for 200,000 Accounts

DP HARDWARE
DataBase Server Pentium Pro 200, Four Processor, 1GB RAM, (10) 9GB Dr. RAID 5,
    CD ROM, dual power supplies & fans, DAT Backup.
DataBase Remote Site Backup Server, (2) Pentium/166, 256M RAM, (9) 9GB Dr., CD
    ROM, DAT Backup
WS Pentium Pro 200, 256K Cache, 80M RAM, 2GB SCSI Dr., EISA NIC, 14" SVGA
    Monitor, 4GB DAT, CD ROM, System Admin. & Batch Workstation
WS Pentium Pro 200, 256K Cache, 48M RAM, 1GB SCSI Dr., EISA NIC, 14" SVGA
    Monitor, CD ROM, Network Management Server
UPS
UPS
EtheRNet Hub

DP SOFTWARE
NT Server
Data Replication Software
Oracle RDBMS NT/seat (qty = 85% of total w/s qty)
SQR Development System
Forest & Trees
Tape Backup NT
SQL Server
Powerchute
Anti-Virus Software InocLan

BRANCH OPERATIONS HARDWARE
Br. File Server Pent./166, 48M RAM, CD ROM, NIC PCI, EVGA Color, (2) 2.1GB Dr.
WS Pent./200, 256K Cache, 80M RAM, 2GB SCSI DR.,
4GB DAT, NIC PCI, EVGA Color, Br. Administrative Workstation & Network Manager
UPS
DWA Printer Server, Pentium 133, 256K Cache, 32M RAM., 1GB IDE Dr., ISA NIC,
      14" SVGA Monitor
Remote Access Modem 28.8kbps
Equipment Racks
CSU DSU Includes Cable
Router
Intelligent Ethernet Hub
Expansion Hub
WS Pentium 133, 256K Cache, 32M RAM, 1GB IDE Dr., ISA NIC, 14" SVGA Monitor
UPS for DWA
Flatbed Color Scanner (1-2/branch)
Passbook Printer
Validation & Receipt Printer
MICR Printer, 12PPM, 5 Input Drawers, Network Card

                                      -31-
<PAGE>
BRANCH OPERATIONS SOFTWARE
Windows NT
Powerchute S/W (for graceful shutdown of servers)
MS NT Workstations
DWA Printer, Manager
System Management SW
SMS Client License (20 User)
Tape Backup NT
Anti-Virus Software InocuLan
SQR Report Generator

                                      -32-
<PAGE>
Attachment 1

SUPPORT TERMS AND CONDITIONS

1.    Coverage

Subject to the terms hereof, OSI shall provide Support to BISYS for the OSI
Proprietary Software as defined in the Agreement hereunder.

2.    Support Services

Support Services consist of:

(a) Error Correction and Telephone Support provided to the designated BISYS
Technical Support Contact concerning the Installation and use of the then
current release of the OSI Proprietary Software and the OSI Interface Software
owned and developed by OSI and the Previous Sequential Release.

(b) Enhancements, as defined herein, of the OSI Proprietary Software and the OSI
Interface Software owned and developed by OSI that OSI in its discretion makes
generally available.

      "Enhancements" mean new releases of the OSI Proprietary Software and the
OSI Interface Software owned and developed by OSI which support new regulations
and provide product enhancements and Fixes. Product Updates consist of one copy
of published revisions to the printed Documentation and one copy of revisions to
the machine readable OSI Proprietary Software and the OSI Interface Software
owned and developed by OSI. Support does not include the physical installation
of Product Updates; all such installations may be performed by OSI upon BISYS'
written request and shall be billable to BISYS at OSI's then current applicable
rate and subject to the discount granted to BISYS.

      As part of the Support provided hereunder, OSI agrees to provide Product
Updates on a timely basis in order to enable BISYS' Customers to comply with
federal banking laws and regulations pertaining to the subject matter of the OSI
Proprietary Software.

      As provided in the Exclusions section at this document, a condition
precedent to continued Support, Product Updates and any warranty relating to the
Software, BISYS agrees to promptly implement such modifications, updates and
enhancements to the OSI Proprietary Software and the OSI Interface Software
owned and developed by OSI.

3.    Term and Termination

3.1 Support shall be provided for the duration of the Agreement, unless
terminated by either party as provided herein.

3.2 OSI may suspend Support if BISYS fails to make payments pursuant to Section
8, titled "Fees," other than payments being disputed in good faith, within ten
(10) days after BISYS receives notice on non-payment.

3.3 OSI may suspend Support if BISYS fails in a reasonably prompt manner to
implement such modifications, updates and enhancements to the OSI Proprietary
Software and the OSI Interface Software owned and developed by OSI (in the form
of Product Updates) as OSI shall require from time to time in its sole
discretion.

                                      -33-
<PAGE>
3.4 OSI may terminate in its sole discretion the Support related to a specific
software version, Designated Computer Hardware, hardware configuration or
network structure of the OSI Proprietary Software and the OSI Interface Software
owned and developed by OSI upon a prior three (3) year written notice of Support
discontinuance.

4.    Remote Support Services

      OSI intends to provide certain Support via a remote on-line connection to
BISYS' designated technical support center. BISYS hereby agrees to assist OSI in
the creation of such a remote on-line connection as part of the implementation
of the System and agrees to maintain and allow OSI access to its designated
technical support center and the OSI Proprietary Software and the OSI Interface
Software owned and developed by OSI through such remote on-line connection.

      In the event that the remote on-line connection is not available to OSI
necessitating that OSI's personnel have to be deployed to the BISYS designated
technical support center to perform Support services that would otherwise have
been provided via the remote on-line connection BISYS agrees, in addition to any
fees payable under the Agreement:

(a) to pay a per diem charge for all additional Support services at OSI's then
standard rates for such services and

(b) to reimburse OSI for all reasonable travel and living expenses incurred by
or on behalf of OSI and its personnel in providing the additional Support
services to BISYS at BISYS' designated technical support center, which shall
have been pre-approved by BISYS in writing.

      Any such charges for additional Support services and reimbursement for
travel and living expenses shall be billed by OSI to BISYS on a per occurrence
basis and shall be payable within 45 days of the applicable invoice.

5.    Response, Problem Resolution Standards and Error Priority Levels

5.1 Commercially reasonable efforts shall be made to resolve problems promptly.
Upon BISYS' notification to OSI of a problem, OSI will investigate such problem
to determine the nature and origin of such problem and upon completion of such
investigation outline to BISYS the procedures to be followed in reaching
resolution to such problem.

      OSI shall exercise commercially reasonable efforts to correct any Error or
nonconformance reported by BISYS in the OSI Proprietary Software, with the
following priority levels reasonably assigned to such Error by OSI in its sole
discretion:

(a)   Priority A Errors - OSI shall promptly commence the following procedures:

(i)   assign OSI personnel to correct the Error;

(ii)  notify OSI management that such Errors have been reported and of steps
      being taken to correct such Error(s);

(iii) provide BISYS with periodic reports on the status of the corrections; and

(iv)  initiate, within a commercially reasonable period of time that the Error
      is reported to OSI, work to promptly provide BISYS with a Work-around or
      Fix and diligently pursue a resolution of the Error. In the event OSI
      addresses any Priority A Error by means of a temporary Work-

                                      -34-
<PAGE>
      around, OSI shall exercise commercially reasonable efforts to effect a
      final resolution of the Error as soon as possible thereafter.

(b) Priority B Errors - OSI shall exercise commercially reasonable efforts to
include the Fix for the Error in the next regular Product Update.

(c) Priority C Errors - OSI may include the Fix for the Error in the next
Product Update.

5.2 If OSI believes reasonably and in good faith that a problem reported by
BISYS may not be due to an Error in the OSI Proprietary Software or the OSI
Interface Software owned and developed by OSI, but may be due to another cause
(as illustrated herein), OSI will so notify BISYS. Such other cause may include
but not be limited to the failure by BISYS to install OSI recommended updates to
TPS, the installation by BISYS of software, or of a release or version of TPS,
which has not been certified and approved by OSI, or BISYS' installation of
hardware or network components which have not been certified and approved by
OSI.

      At that time, BISYS may

(a) instruct OSI to proceed with problem determination at BISYS' possible
expense as set forth below, or

(b) instruct OSI that BISYS does not wish the problem pursued at BISYS' possible
expense.

      If BISYS requests that OSI proceed with problem determination at its
possible expense and OSI determines that the error was not due to an Error in
the OSI Proprietary Software, BISYS shall pay OSI, at OSI's then current and
standard consulting rates, subject to BISYS' standard OSI discount, for all work
performed in connection with such determination, plus reasonable related
expenses incurred therewith.

      BISYS shall not be liable for:

(a) repair to the extent problems are due to Errors in the OSI Proprietary
Software,

(b) work performed under this paragraph in excess of its instructions, or

(c) work performed after BISYS has notified OSI that it no longer wishes work on
the problem determination to be continued at its possible expense (such notice
shall be deemed given when actually received in writing by OSI).

      If BISYS instructs OSI that it does not wish the problem pursued at its
possible expense or if such determination requires effort in excess of BISYS'
instructions, OSI may, at its sole discretion, elect not to investigate the
error.

In the event that OSI fails to resolve a problem or correct an Error within a
commercially reasonable time frame, the problem shall be escalated to OSI Senior
Management and additional technical support resources of a level appropriate for
resolution shall be assigned to the problem on a priority basis. In the case of
a Priority A Error, four (4) hours from the time the Error is reported shall be
deemed a commercially reasonable time frame to escalate OSI's efforts.

In the event that OSI is unable to resolve or correct a Priority A Error within
a commercially reasonable period of time, BISYS shall be entitled to terminate
the Agreement under the procedures provided therein.

                                      -35-
<PAGE>
6.    Confidentiality

All information provided by either party to the other pursuant to these terms
and conditions shall be subject to the confidentiality obligations set forth in
Section 16 of the Agreement.

7.    Exclusions

7.1 A condition precedent to OSI's obligation to perform Support shall be that
the OSI Proprietary Software problems shall not be the result of

(a) BISYS' negligence, abuse or misapplication of the OSI Proprietary Software,

(b) Use of the OSI Proprietary Software other than as specified in the
Documentation,

(c) Use of the OSI Proprietary Software on hardware other than the Designated
Hardware

(d) BISYS' failure to promptly implement such modifications, updates and
enhancements to the OSI Proprietary Software (in the form of Product Updates)
and to Third Party Software licensed from a Third Party as OSI shall require
from time to time in its sole discretion, or

(e) Other causes beyond the reasonable control of OSI.

7.2 OSI shall have no obligation to support:

(a) Altered, damaged or modified OSI Proprietary Software or OSI Interface
Software owned and developed by OSI (unless such modifications are consented to
in writing by OSI or otherwise authorized, permitted or provided for under this
Agreement) or any portion of the OSI Proprietary Software incorporated with or
into other software;

(b) OSI Proprietary Software and the OSI Interface Software owned and developed
by OSI that is not the then current release or immediately Previous Sequential
Release.

7.3 Upon BISYS' request, OSI shall provide Support for the OSI Proprietary
Software which has malfunctioned as a result of any of the causes described in
this Section 7 at its then current and standard rates for material and labor.

Support do not include physical installation of Product Updates.

8.    Limitation of Liability

EXCEPT FOR A BREACH OF ITS CONFIDENTIALITY OBLIGATIONS UNDER SECTION 16 OR ANY
LIABILITY OSI MAY HAVE FOR PERSONAL INJURY OR DAMAGE OR DESTRUCTION OF REAL OR
TANGIBLE PERSONAL PROPERTY OR LIABILITY RESULTING FROM OSI'S GROSS NEGLIGENCE OR
WILLFUL MISCONDUCT, OSI'S LIABILITY FOR DAMAGES FROM ANY CAUSE OF ACTION
WHATSOEVER RELATING TO OSI'S AGREEMENT TO PROVIDE SUPPORT SHALL BE LIMITED TO
THE AMOUNT PAID BY BISYS TO OSI FOR SUPPORT DURING THE PRECEDING TWELVE (12)
MONTH PERIOD PURSUANT TO THE AGREEMENT. OSI SHALL NOT BE LIABLE FOR ANY
INCIDENTAL, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES, INCLUDING, BUT NOT
LIMITED TO, LOST PROFITS OR REVENUES, EVEN IF BISYS HAS BEEN ADVISED OF THE
POSSIBILITY OF SUCH DAMAGES. THIS ARTICLE SHALL SURVIVE TERMINATION OF THIS
AGREEMENT.

                                      -36-
<PAGE>
OSI AGREES THAT IT WILL NOT WRONGFULLY DISABLE THE OSI PROPRIETARY SOFTWARE OR
ANY OTHER HARDWARE OR OSI PROPRIETARY SOFTWARE ON BISYS' COMPUTER SYSTEM FOR ANY
REASON. ANY LIMITATION OF LIABILITIES SET OUT IN THIS SECTION AND WITH RESPECT
TO OSI WILL BE NULL AND VOID IF OSI BREACHES ITS AGREEMENT SET FORTH IN THE
IMMEDIATELY PRECEDING SENTENCE.

9.    Definitions

Unless defined otherwise herein, capitalized terms used in these Support Terms
and Conditions shall have the same meaning as set forth in the Agreement.

"Error" means the non-conformance or error in OSI Proprietary Software, or the
applicable portion thereof, which causes the OSI Proprietary Software to fail to
consistently, accurately and reliably operate and perform the features and
functions described in and in accordance with Specification and the
Documentation.

"Error Correction" means the use of commercially reasonable efforts to correct
Errors in accordance with the terms and conditions contained in this Attachment.

"Fix" means the repair or replacement of object or executable code versions of
OSI Proprietary Software to remedy an Error.

"Previous Sequential Release" means the release of OSI Proprietary Software
which has been replaced by a subsequent release of the same OSI Proprietary
Software. Notwithstanding anything to the contrary contained herein, a Previous
Sequential Release will be supported by OSI for a period of not less than six
(6) months after release of the subsequent release.

"Priority A Error" means an Error which renders OSI Proprietary Software
inoperative, causes inaccuracies in the data processed by the OSI Proprietary
Software, degrades the functions or feature of the OSI Proprietary Software or
materially restricts BISYS' use of the OSI Proprietary Software.

"Priority B Error" means an Error which degrades the functions or features of
the OSI Proprietary Software or restricts BISYS' use of the OSI Proprietary
Software.

"Priority C Error" means an Error which is cosmetic or trivial in nature and
which causes only a minor impact on BISYS' use of OSI Proprietary Software.

"Support" means OSI support services as described in Section 2.

"Telephone Support" means technical support telephone assistance provided by OSI
to the Designated Technical Support Contact concerning problem resolution and
the use of the then current release of OSI Proprietary Software and the Previous
Sequential Release. Calls will be accepted during OSI's normal business hours,
except that in the event of an emergency, OSI will accept all calls made to the
emergency off-hours telephone numbers which OSI shall supply to BISYS and always
promptly update as they change, 24 hours per day, 7 days per week, 365 days per
year.

"Work-around" means a modification of the OSI Proprietary Software and/or a
change in the procedures followed or data supplied by BISYS to avoid an Error
without substantially impairing BISYS' use of OSI Proprietary Software.

THESE TERMS AND CONDITIONS CONSTITUTE A SERVICE CONTRACT AND NOT A PRODUCT
WARRANTY. THE OSI PROPRIETARY SOFTWARE AND ALL MATERIALS RELATED TO THE OSI
PROPRIETARY SOFTWARE ARE SUBJECT EXCLUSIVELY TO THE WARRANTIES SET FORTH IN THE
AGREEMENT. THIS ATTACHMENT IS AN

                                      -37-
<PAGE>
ADDITIONAL PART OF THE AGREEMENT AND DOES NOT CHANGE OR SUPERSEDE ANY TERM OF
THE AGREEMENT EXCEPT TO THE EXTENT UNAMBIGUOUSLY CONTRARY THERETO.

                                      -38-
<PAGE>
Attachment 3

OSI Policies and Standards on the year 2000

OSI's The Complete Banking Solution system has been tested for year 2000
compliance and the following information is available to our clients to assist
them with internal audits and external examinations:

Oracle database structures use an internal date format that fully supports four
digit years and therefore the year 2000 is provided for.

Our internal logical date use and date calculations fully support cross century
dates.

Our tests have concluded that we do treat the year 2000 as a leap year (i.e.
there is a February 29th, 2000).

This is in accordance with the practice that years that divide by four are leap
years. The first year of a new century; unless the century itself divides by
four is not a leap year (i.e. the year 1900 and 2100 are not leap years, while
the year 2000 is a leap year).

All OSI reports provide for the year 2000 even if individual dates show with a
two position year (i.e. 11-01-96 and 11-01-00).

Since the OSI system, like all banking systems, needs to process external data
files we are unable to change our code to function with date fields in these
files until the originator directs us to do so.

NOTE: ATM and ACH files are examples of data that may not support the year 2000
at present and therefore make it impossible for OSI to fully certify year 2000
compliance.

                                      -39-
<PAGE>
                FIRST AMENDMENT TO SOFTWARE LICENSE AND MARKETING
                           AND DISTRIBUTION AGREEMENT

This First Amendment to that certain Software License and Marketing and
Distribution Agreement by and between Open Solutions Inc. and BISYS, Inc. (the
"First Amendment") is made this __ of May 2002 (the "Effective Date") by and
between Open Solutions Inc. ("OSI") and BISYS, Inc. ("BISYS").

                                   WITNESSETH:

WHEREAS, OSI and BISYS are parties to that certain Software License and
Marketing and Distribution Agreement effective as of August 20, 1997 (the
"Agreement"); and

WHEREAS, the parties desire to amend said Agreement pursuant to the terms and
provisions set forth below;

NOW, THEREFORE, in consideration of the mutual covenants herein contained and
other good and valuable consideration, the receipt and sufficiency of which is
hereby acknowledged, IT IS AGREED as follows:

1. OSI and BISYS hereby agree to delete Section S(a)(ii) in its entirety and
substitute the following in its place:

      "8(a)(ii) Outsourcing: After January 1, 2002. As of January 1, 2002, upon
      the execution of an Outsourcing Services agreement for the System by a
      Customer, OSI shall be entitled to a non-refundable license fee equal to
      [**] percent ([**]%) of the OSI License Fee payable by an OSI direct
      customer similarly situated as of the execution date of such Outsourcing
      Services agreement. Such license fee shall be payable as follows: [**]
      percent ([**]%) of the OSI License Fee upon execution of the Outsourcing
      Services agreement by a Customer and [**] percent ([**]%) of the OSI
      License Fee upon completion of the Conversion of a Customer to the System.
      Where such agreement is renewed for an additional renewal term, OSI shall
      be entitled to an additional license fee equal to [**] percent ([**]%) of
      the difference, if any, between the License Fee payable by a similarly
      situated Financial Institution as of the date of each such renewal and the
      License Fee payable by a similarly situated Financial Institution as of
      the date of the agreement. Such additional license fee, if any, shall be
      payable within thirty (30) days of the renewal date of such agreement."

2. Except as otherwise set forth herein, all terms and provisions contained in
the Agreement shall remain in full force and effect.

3. It is understood and agreed that this First Amendment is submitted to BISYS
for signature with the understanding that it shall not bind OSI unless and until
it has been executed by OSI and delivered to BISYS.

4. The Agreement, as hereby amended, shall be binding upon the parties hereto,
their permitted successors and assigns.

                                       1
<PAGE>
IN WITNESS WHEREOF, the parties have executed this amendment effective as of the
Effective Date.

BISYS, INC.

Signature: /s/ W.W. Neville                                  Date:  6/6/02
           ---------------------------------                       -------
Name: W.W. Neville
      --------------------------------------
Title: President
       -------------------------------------
OPEN SOLUTIONS INC.

Signature:  /s/ Michael D. Nicastro                          Date:  6/7/02
           ---------------------------------                       -------
Name:  Michael D. Nicastro
      --------------------------------------
Title:  Senior Vice President
        ------------------------------------

                                       2<PAGE>

                                                                   Exhibit 10.10

                                   GROSS LEASE

                                    Landlord

                     PRINCIPAL MUTUAL LIFE INSURANCE COMPANY

                                       and

                                     Tenant

                              OPEN SOLUTIONS, INC.

                                     Dated:

                                February 29, 1996

                                    Premises:

                             300 WINDING BROOK DRIVE

                            GLASTONBURY, CONNECTICUT
<PAGE>
                                Table of Contents

<TABLE>
<CAPTION>
     Article                                                                Page
     -------                                                                ----
<S>  <C>                                                                    <C>
1.   PREMISES ...........................................................      1

2.   DEFINITIONS ........................................................      1

3.   TERM ...............................................................      1

4.   USE OF PREMISES ....................................................      2

5.   RENT ...............................................................      3

6.   CONSTRUCTION .......................................................      3

7.   ADDITIONAL RENT ....................................................      3

8.   INCREASE IN REAL ESTATE TAXES ......................................      5

9.   ALTERATIONS, IMPROVEMENTS, ETC. ....................................      5

10.  REPAIRS ............................................................      6

11.  PARKING ............................................................      6

12.  UTILITIES AND SERVICES .............................................      6

     (a)   HVAC .........................................................      6
     (b)   Water ........................................................      6
     (c)   Electricity ..................................................      6
     (d)   Cleaning .....................................................      7
     (e)   Security .....................................................      7
     (f)   Interruption of Services .....................................      7

13.  INSURANCE ..........................................................      7

14.  SUBORDINATION ......................................................      8

15.  DESTRUCTION, FIRE OR OTHER CAUSES ..................................      9

16.  EMINENT DOMAIN .....................................................      9

17.  SUBLETTING .........................................................     10

18.  FEES AND EXPENSES ..................................................     10

19.  NO REPRESENTATIONS BY LANDLORD, ETC. ...............................     10

20.  QUIET ENJOYMENT ....................................................     12
</TABLE>

                                       i
<PAGE>
<TABLE>
<S>  <C>                                                                    <C>
21.  DEFAULT ............................................................     12

22.  REMEDIES OF LANDLORD ...............................................     12

23.  RIGHT TO EXHIBIT PREMISES AND ACCESS TO PREMISES ...................     13

24.  RULES AND REGULATIONS ..............................................     14

25.  BROKERAGE ..........................................................     14

26.  FORCE MAJEURE ......................................................     14

27.  SECURITY DEPOSIT ...................................................     14

28.  LEASE STATUS AND NOTICE ............................................     14

29.  ASSIGNS ............................................................     15

30.  OPTION TO EXTEND ...................................................     15

31.  EXPANSION OPTION ...................................................     16

32.  SIGNAGE ............................................................     17

33.  SEVERABILITY .......................................................     17

34.  SURRENDER OF PREMISES ..............................................     17

35.  GOVERNING LAW ......................................................     17

36.  LITIGATION EXPENSES ................................................     18
</TABLE>

Exhibits

     A - Description of Demised Premises (Floor Plan)

     B - Property Description

     C - Work Letter/Tenant Improvement Allowance

     D - Building Rules and Regulations

                                       ii
<PAGE>
      Lease dated the 29 day of February, 1996, by and between Principal Mutual
Life Insurance Company, an Iowa Corporation, with an office at 711 High Street,
Des Moines, Iowa, 50392 ("Landlord") and Open Solutions, Inc., with an office at
300 Winding Brook Drive, Glastonbury, Connecticut ("Tenant").

                                   WITNESSETH:

      1. PREMISES. Landlord hereby leases to Tenant, for the terms and upon the
rentals hereinafter specified, the following premises: approximately 14,275
rentable square feet (the "Premises") on the 1st floor in the building known as
300 Winding Brook Drive, Glastonbury, Connecticut (the "City"). The Premises are
described on Exhibit A attached hereto and made a part hereof. Said building and
the land shown on Exhibit B hereto are herein collectively referred to as the
"Building".

      2. DEFINITIONS. Terms used in this Lease shall have the following
meanings:

            (i)   Base Rent:   $1,191,010.83

<TABLE>
<CAPTION>
                Lease Years     Annual Base Rent     Monthly Installment
                -----------     ----------------     -------------------
<S>                             <C>                  <C>
                     1             $ 83,270.83              $11,895.83
                     2             $149,173.75              $12,431.15
                     3             $163,448.75              $13,620.73
                     4             $177,723.75              $14,810.31
                     5             $185,575.00              $15,464.58
                     6             $214,125.00              $17,843.75
                     7             $217,693.75              $18,141.15
</TABLE>

            (ii)  Tax Base Year:    Calendar Year 1996

                  Base Year:        Calendar Year 1996

            (iii) Tenant's Proportionate Share: 46.2%

            (iv)  Number of parking spaces available for Tenant's use: 56, based
                  upon four spaces per 1,000 rentable square feet leased.

            (v)   The Brokers:   William Raveis Real Estate
                                 Servus Management Corporation

            (vi)  Lease Year: Consecutive 12 month periods during the Term, with
                  the first Lease Year commencing on the first day of the month
                  in which the Commencement Date falls.

      3. TERM. TO HAVE AND TO HOLD the Premises for a term (the "Term"),
commencing on a date (the "Commencement Date") which shall be the earlier of (a)
May 1, 1996
<PAGE>
                                        2

or (b) the date premises will be made available for tenant's occupancy, and
ending on April 30, 2003, thereafter (the "Expiration Date"), unless the Term
shall sooner terminate pursuant to any of the terms, covenants or conditions of
this Lease or pursuant to law. Anything herein to the contrary notwithstanding,
the first monthly installment of Base Rent shall be payable on the execution
hereof. If the Tenant occupies the space earlier than May 1, 1996, an addendum
will be attached to this lease which will define the amended Commencement Date
and Expiration Date.

      4. USE OF PREMISES. (a) Tenant shall use the Premises only for general and
administrative offices and for no other purpose. Except as provided herein, no
signs of any kind shall be installed or maintained on the exterior of the
Building, or in the Premises which shall be visible form outside the Building,
without the prior written consent of Landlord and without conforming said sign
to local ordinances. Such consent shall not be unreasonably withheld. Tenant
will not interfere with the conduct of business by other tenants or occupants of
the Building or permit actions constituting a private nuisance, including
without limitation, the occupation by Tenant or its employees, agents or
invitees of more than the number of parking places allocated to Tenant. In
connection with, and incidental to, Tenant's use of the Premises as provided in
this subsection, Tenant, at its sole cost and expense and upon compliance with
all applicable legal requirements, may install a microwave or convection ovens,
kitchenettes and dishwashers in the Premises for the purpose of warming or
re-heating food for the employees and business guests of Tenant (but not for use
as a public restaurant), provided that Tenant shall obtain all permits required
by any governmental authorities for the operation thereof and such installation
shall comply with the provisions of this Lease.

            (b) Tenant, at its expense, shall comply with all laws, orders and
regulations of Federal, State and municipal authorities and with any direction
of any public officer or officers, pursuant to law, which shall impose any
violation, order or duty upon Landlord or Tenant with respect to the Premises or
the use or occupancy thereof, including without limitation the Americans With
Disabilities Act (as amended from time to time and as may be superseded from
time to time, the "Act") and any environmental laws, including without
limitation structural changes. Anything in the preceding sentence to the
contrary notwithstanding, if alterations to the Premises are required under the
Act because of the type of business of another tenant of the Building,
alterations made to its space by another tenant of the Building or alterations
to the common areas of the Building (the "Common Areas") made by Landlord, then
Landlord shall, at its expense, make the alterations to the Premises required
under the Act. To the best of Landlord's knowledge, the Common Areas comply with
applicable laws, codes and regulations, including the Act.

            (c) Tenant shall not do or permit to be done any act or thing upon
the Premises which will invalidate or be in conflict with fire, public liability
or other insurance policies covering the Building. Tenant, at its expense, shall
comply with all rules, orders, regulations and requirements of the Board of Fire
Underwriters or other similar body or authority having jurisdiction and shall
not do or permit anything to be done in or upon the Premises or the Building, or
bring or keep anything therein, which is prohibited by the fire department or
any of such Boards of Fire Underwriters or other body or authority or which
would increase the rate of fire insurance applicable to the Building over that
in effect on the Commencement Date of this Lease. If, by reason of failure to
comply with the provisions of the Section 4, any insurance rate
<PAGE>
                                       3

for the Building shall, on the Commencement Date or at any time thereafter, be
higher than it otherwise would be, then Tenant upon demand shall reimburse
Landlord, as Additional Rent hereunder, for that part of all insurance premiums
thereafter paid by Landlord which shall have been charged because of such
failure by Tenant.

            (d) Tenant shall, at Tenant's expense, keep and maintain the
Premises in compliance with all local, state and Federal environmental laws,
ordinances and regulations, including without limitation Sections 22a-448
through 22a-457 of the Connecticut General Statutes, 42 U.S.C. Section 9601 et
seq., 42 U.S.C. Section 6901 et seq., 49 U.S.C. Section 1801 et seq., and the
regulations promulgated thereunder, (all of the foregoing being referred to
collectively as the "Environmental Laws"). During the Lease term, Tenant shall
permit no spills, discharges, or releases of any hazardous, radioactive or
polluting substances, including without limitation any oil or petroleum products
or any chemical liquids or solids (all of the foregoing being referred to
collectively as "Hazardous Materials"). In addition to the matters provided for
in subsection 13 (c), Tenant will indemnify, defend and hold harmless Landlord,
its successors and assigns from and against any claim, liability, cost, damage,
expense, response or remedial action costs (including without limitation
attorneys' fees, and costs of investigation or audit) relating to: (i) the
presence, use or storage on or under the Premises, or any spill, discharge or
release from the Premises, of any Hazardous Material during the Lease term; (ii)
any failure of the Premises to comply with any applicable Environmental Law,
unless such noncompliance results from the conduct of Landlord and/or a prior
occupant; or (iii) any loss of value of the Premises, including without
limitation any loss of value arising from the imposition of any lien against the
Premises, unless such loss of value of the Premises, including without
limitation any loss of value arising from the imposition of any lien against the
Premises, unless such loss of value results from the conduct of Landlord and/or
a prior occupant. The foregoing indemnity shall survive the expiration or
termination of this Lease, and any claim hereunder must be made within five
years after such expiration or termination.

      5. RENT. Commencing on the Commencement Date, Tenant receives a rent
concession in months 1, 2, 3, 6 and 7 in year 1 by Landlord. Tenant shall begin
paying rent to Landlord in months 4 and 5, and then resume regular monthly
payments in month 8. Tenant shall pay to Landlord the Base Rent without demand
and without setoff or deductions of any kind, in equal monthly installments, in
advance, on the first day of each calendar month of the Term at the address of
Landlord stated above or such other place as Landlord may designate in writing
form time to time, with payment in advance of appropriate fractions of a monthly
payment for any portion of a month at the expiration or prior termination of the
Term. Every amount payable by Tenant hereunder in addition to Base Rent and
Additional Rent are herein collectively referred to as the "Rent". Any Rent not
paid by Tenant on or before the due date thereof shall thereafter be payable
with a late charge equal to 5% of the unpaid installment, payable as Additional
Rent.

      6. CONSTRUCTION.

            See Exhibit C attached hereto.

      7. ADDITIONAL RENT. (a) After the expiration of the Base Year and of each
succeeding calendar year ("Operating Year"), Landlord shall furnish Tenant a
written statement
<PAGE>
                                       4

prepared by Landlord of the Operating Expenses of the Building, as defined in
paragraph 7.(b) herein, incurred for such year. During the period of 60 days
after receipt of Landlord's statement, Tenant may inspect and audit the records
of the material reflected in said Landlord's statement at a reasonable time
mutually agreeable to Landlord and Tenant. Failure of Tenant to challenge any
item in such statement within 90 days after receipt shall be a waiver of
Tenant's right to challenge such item for such year. Within 30 days after
receipt of such statement for any Operating Year setting forth any increase of
Operating Expenses during such Operating Year over the Operating Expenses in the
Base Year (said increase being referred to herein as the "Cost Increase", Tenant
shall pay Tenant's Proportionate Share of the Cost Increase (less the amount of
Tenant's projected share paid by Tenant on account thereof) to Landlord as
Additional Rent.

            (b) The Operating Costs of the Building are hereby defined to
include all charges for management fees, all charges for security, heat, air
conditioning, utilities, insurance, janitorial and cleaning services; all
salaries, wages, payroll taxes, and other personnel costs of engineers,
superintendents, watchmen and other building workers or employees; all charges
under maintenance, and service contracts or for on-call services for chillers,
boilers, controls and/or elevators; all charges for landscaping, window
cleaning, and building grounds, plaza and parking lot maintenance; all charges
for personal property taxes (if any) in connection with personal property used
in the operation of the Building; all costs of licenses and permits of Building
operation and maintenance; and all other maintenance operation, services or
repair, excluding major component replacement, expenses and costs of supplies
expended in connection with the Building, the suites therein, or the real
property, which charges are or may be deducted (and not capitalized) for Federal
Income Tax purposes; and also including straight line depreciation intention of
lowering of Operating Costs.

            (c) Commencing with the first Operating Year, Tenant shall pay to
Landlord, as Additional Rent, Tenant's projected share. Such projected share
shall be equal to Landlord's Increase for the Operating Year. On the first day
of each month of each Operating Year during the Term, and within 30 days after
Tenant's receipt of Landlord's written estimate, Tenant shall pay to Landlord
one twelfth of its projected share of the estimated Cost Increase for such
Operating Year. If Landlord's statement after the end of an Operating Year shall
indicate that Tenant's projected share exceeded Tenant's Proportionate Share of
Cost Increase, Landlord shall forthwith, at Landlord's option, either (i) pay
the amount of excess directly to Tenant concurrently with the notice or (ii)
permit Tenant to credit the amount of such excess against the subsequent
payments of Additional Rent due hereunder. If Landlord's statement shall
indicate that Tenant's Proportionate Share of Cost Increase exceeded Tenant's
projected share for the completed Operating Year, Tenant shall, subject to the
provisions of subsection 7 (a) herein, pay the amount of such excess to Landlord
within 30 days after demand. If said Landlord's statement is furnished to Tenant
after the commencement of a subsequent Operating Year, there shall be promptly
paid by Tenant to Landlord or vice versa, as the case may be, an amount equal to
the portion of such payment or credit allocable to the part of such Operating
Year which shall have elapsed prior to the first day of the calendar month next
succeeding the calendar month in which said Landlord's statement is furnished to
Tenant.

            (d) Landlord's failure to render Landlord's statement with respect
to any Operating Year or Tax Year, or Landlord's delay in rendering said
statement beyond a date specified herein, shall not prejudice Landlord's right
to render a Landlord's statement with
<PAGE>
                                       5

respect to that or any subsequent Operating Year or Tax Year; provided, however,
that Landlord's failure to render a statement within two years after the end of
any Operating Year or Tax Year shall be deemed a waiver of Landlord's right to
render a Landlord's statement for such year. The obligations of Landlord and
Tenant under the provisions of this Section with respect to any Additional Rent,
which obligations have accrued prior to the expiration or sooner termination of
the Term, shall survive the expiration or any sooner termination of the Term.
Any dispute under this Section shall be determined by arbitration in Hartford,
Connecticut, under the then commercial rules of the American Arbitration
Association, and any award shall be binding upon the parties.

      8. INCREASE IN REAL ESTATE TAXES. (a) If Real Estate Taxes with respect to
the Building are increased, during any year subsequent to the Tax Base Year,
over Real Estate Taxes paid by Landlord during the Tax Base Year, then Tenant
shall pay to Landlord, without setoff or deductions of any kind, except as
specified in this Lease, as Additional Rent, an amount equal to Tenant's
Proportionate Share of such increase. Payment of such increase shall be made in
the installments provided by the taxing authority within 30 days after Tenant
receives from Landlord notice of such tax increase and a bill for Tenant's
Proportionate Share thereof, together with a copy of the applicable bill
received by Landlord from the taxing authority. "Real Estate Taxes" shall mean
all taxes or assessments and governmental charges, whether Federal, State or
municipal, which are levied or charged against real estate, personal property
within the Building or rents, or on the right or privilege of leasing real
estate or collecting rents thereon and any other taxes and assessments
attributable to the Building or its operation, excluding, however, Federal,
State or other general income taxes not limited to real property. If the
Building shall not be assessed as if it were 95% occupied during the Tax Base
Year, then for the Tax Base Year and each subsequent year, Real Estate Taxes
shall be adjusted as if the Building were 95% occupied during each such year. If
Landlord shall be required under a mortgage or other creditor arrangement to
make real estate tax deposits monthly or otherwise, Tenant shall make the same
installment payments to Landlord of its share of same.

            (b) Notwithstanding anything to the contrary set forth in this
Lease, Real Estate Taxes shall not include (i) any excess profit taxes,
franchise taxes, gift taxes, capital stock taxes, inheritance and succession
taxes, estate taxes, general federal and state income taxes, and other taxes to
the extent applicable to Landlord's general or net income (as opposed to rents
or receipts); (ii) penalties incurred as a result of Landlord's negligence,
inability or unwillingness to make payments of, and/or to file any tax or
informational returns with respect to, any Real Estate Taxes, when due; (iii)
any other taxes or assessments charged or levied against Landlord which are not
directly incurred as a result of the ownership or operation of the Building; and
(iv) any real estate taxes directly payable by Tenant or any other tenant in the
Building under the applicable provisions in their respective leases.

      9. ALTERATIONS, IMPROVEMENTS, ETC. (a) Alterations, improvements or
additions made by Landlord or Tenant upon the Premises or in or on the Building
outside the Premises, except furniture, light fixtures, equipment, or movable
partitions or trade fixtures installed at the expense of Tenant, shall be the
property of Landlord and shall remain and be surrendered with the Premises as a
part thereof at the termination of this Lease, without compensation to Tenant,
unless Landlord shall require Tenant to remove same.
<PAGE>
                                       6

            (b) Tenant shall not make any alterations, installations or
improvements in the Premises without Landlord's prior written consent, which
consent shall not be unreasonably withheld.

      10. REPAIRS. (a) The exterior (excluding windows) and structure of the
Building and all parts of the heating, plumbing, electrical and air conditioning
systems, except those portions within the Premises (and any supplemental HVAC
units installed by or for Tenant), shall be maintained and repaired by Landlord,
except if necessitated by the excess use (i.e., greater than normal office use)
by, or the negligence or wrongful act of Tenant, its employees, agents or
invitees, in which event Tenant shall be responsible for repair or replacement
as necessary.

            (b) Tenant, at its expense, shall repair, maintain in good order and
condition and replace, if necessary, the interior of the Premises and the
Building systems therein. Tenant shall keep the Premises clean and orderly in
accordance with Landlord's standards for the Building.

      11. PARKING. Landlord shall maintain the Building's parking lot to be used
by Tenant in common with other tenants of the Building. Tenant shall have the
right to use the number of unreserved parking spaces specified in Section 2
hereof. Landlord shall have the right, at any time and from time to time during
the Term, to designate the parking spaces to be used by Tenant, in which event
Tenant shall limit its employee and invitee parking to its assigned spaces and
will post markings designating its spaces. Landlord shall have no liability to
Tenant if others park in Tenant's assigned spaces. Landlord shall maintain the
parking lot and sidewalks in good and orderly condition, including but not
limited to reasonably prompt snow removal.

      12. UTILITIES AND SERVICES. (a) HVAC. Mondays through Fridays from 8:00
a.m. to 6:00 p.m. and Saturdays from 8:00 a.m. to 12:00 p.m. (except the days
observed by the Federal or the Connecticut state governments as legal holidays),
Landlord shall furnish and distribute to the Premises air conditioning and heat
with a system designed to maintain an indoor condition of 78 degree F dry bulb
when the outdoor condition is 100 degree F dry bulb and an indoor condition of
68 degree F dry bulb when the outdoor condition is 0 degree F dry bulb.

            (b) Water. Landlord shall supply reasonably adequate quantities of
hot and cold water to the Premises for ordinary lavatory and drinking purposes
and for Tenant's kitchen area.

            (c) Electricity. (i) Landlord shall cause electric service to be
supplied for lighting the Premises and for the operation of ordinary office
equipment, with a capacity of seven watts per rentable square foot, and for
HVAC, the cost of which shall be included in Operating Expenses.

                  (ii) Landlord shall have the exclusive right, at Tenant's
expense, to make any replacement of lamps, fluorescent tubes and lamp ballasts
in the Premises. Landlord may adopt a system of relamping and ballast
replacement periodically on a group basis in accordance with good management
practice, and the charges for same shall be reasonable.
<PAGE>
                                       7

                  (iii) Landlord shall have the right at any time to install one
or more check meters in the Premises at Landlord's expense and to bill Tenant
for electrical consumption above seven watts per rentable square foot, at the
rate charged to Landlord by the utility company.

            (d) Cleaning. Landlord, at its expense, shall cause the Premises to
be cleaned, including the exterior and the interior of the windows thereof
(subject to Tenant maintaining unrestricted access to such windows), but
excluding any portions of the Premises used for the storage, preparation,
service or consumption of food or beverages. Tenant shall pay to Landlord,
Landlord's reasonable charges for any special or unusual cleaning work in the
Premises, including without limitation, the cleaning of private baths, interior
glass, pantries, kitchens, lounge areas, panelled and fabric walls, and wood
floors.

            (e) Security. In no event shall Landlord be required to provide any
security services to the Building. Tenant shall supply such security services to
the Premises as Tenant requires, subject to Landlord's prior approval of plans,
which shall not be unreasonably withheld.

            (f) Interruption of Services. Landlord does not warrant that any
service will be free from interruptions caused by repairs, renewals,
improvements, changes of service, alterations, strikes, lockouts, labor
controversies, accidents, inability to obtain fuel, water, or supplies, or other
cause beyond the reasonable control of Landlord. No such interruption of service
shall be deemed an eviction or disturbance of Tenant's use and possession of the
Demised Premises, or render Landlord liable to Tenant for damages by abatement
of Rent or otherwise, or relieve Tenant from performance of Tenant's obligations
under this Lease. Tenant hereby waives and releases all claims against Landlord
for damages for interruption or stoppage of service.

            Anything in this Lease to the contrary notwithstanding, if: (i) any
Essential Service (as defined below) is discontinued to the Premises for more
than seven consecutive business days; (ii) Tenant promptly gives Landlord notice
of such discontinuance; (iii) such discontinuance does not result from the
negligent or willful act or omission of Tenant or Tenant's employees or agents,
or from a requirement of Governmental Authority; and (iv) such discontinuance
renders any portion of the Premises untenantable shall thereupon abate until
such discontinuance is remedied. "Essential Service" means any of the following:
heating, ventilating, or cooling (as seasonally required), office electricity,
elevator service or plumbing services to the Premises. The abatement provided
for in this subsection shall not apply to any discontinuance of an Essential
Service caused by casualty or condemnation, which shall be governed respectively
by Section 15 and 16 herein. During any period in which the fee owner of the
Complex is any superior mortgagee or its affiliate claiming or succeeding to fee
title thereunder by foreclosure or deed in lieu of foreclosure of the successor
to such superior mortgagee, the provision for abatement in this paragraph shall
not be effective.

      13. INSURANCE. (a) Tenant shall, at its expense, secure and maintain
General Liability Insurance written on a so-called "Comprehensive" General
Liability Form with single limit coverage of at least $3,000,000, with no
deductible, naming Landlord as an additional insured under the policy. Tenant
shall deliver to Landlord duplicate certificates of such insurance prior to
taking occupancy of the Premises and shall delivery new certificates at least 30
days prior to the expiration of the existing coverage. Such certificates shall
provide that in the
<PAGE>
                                       8

event of termination or material change in coverage, Landlord shall be given ten
days' advance notice in writing sent by certified mail to the address of
Landlord. Such insurance shall contain a waiver of the insurer's right of
subrogation against Landlord.

            (b) Landlord shall carry and maintain throughout the Term,
comprehensive "all-risk" fire and casualty insurance covering the Building and
other improvements on the Land in an amount necessary to avoid coinsurance, and
comprehensive general liability insurance coverage in amounts held by reasonably
prudent commercial landlords of comparable first-class office properties in the
City. Landlord shall maintain such insurance throughout the Term, subject to
changes in amounts which its institutional mortgagee(s) require.

            (c) Landlord and Tenant hereby waive all rights to recover against
each other for any loss or damage arising from any cost covered by any casualty
insurance required under the Lease, or otherwise actually carried by each of
them. Landlord and Tenant will diligently attempt to cause their respective
insurers to issue appropriate waiver of subrogation right endorsements to all
policies and insurance carried in connection with the Premises or the contents
of either of them. Landlord and Tenant hereby agree to look first to the
proceeds of their respective insurance policies before proceeding against each
other in connection with any claim relating to any matter covered by the Lease.

            (d) Notwithstanding the foregoing, Tenant shall be entitled to self
insure its insurance requirements as set forth in this Lease. Any self-insurance
shall be deemed to contain all of the terms and conditions applicable to such
insurance as required in this Lease, including, a full waiver of subrogation. If
Tenant elects to self-insure as aforesaid, with respect to any claims which may
result from incidents occurring during the term of this Lease, such
self-insurance obligation shall survive the expiration or earlier termination of
this Lease to the same extent as the insurance required hereunder would survive.

      14. SUBORDINATION. (a) This Lease is and shall be subject and subordinate
to (i) any and all mortgages now or hereafter affecting the fee title of the
Building, and to any and all present and future extensions, modifications,
renewals, replacements and amendments thereof, and (ii) any and all ground
leases now or hereafter affecting the Building or any part thereof and to any
and all extensions, modifications, renewals, replacements and amendments
thereof. Such subordination is subject to Landlord obtaining a non-disturbance
agreement from each mortgagee or ground lessor in the standard form used by such
party and which agreement shall provide, inter alia, that Tenant's occupancy of
the Premises shall not be disturbed so long as Tenant has and is performing all
of its obligations under this Lease, and in the case of a ground lessor, that
such ground lessor shall in no event have any rights with respect to Tenant and
this Lease other than rights held by Landlord, and that such ground lessor
cannot affect Tenant's rights under this Lease so long as Tenant is performing
all of its obligations under this Lease. Such agreement shall not relieve the
mortgagee or ground lessor from liability for payment of the unpaid portion, if
any, of the Allowance payable under Exhibit C hereto.

            Tenant will execute and deliver promptly to Landlord any reasonable
certificate or instrument which Landlord, from time to time, may request for
confirmation of the provisions of this Section.
<PAGE>
                                       9

            (b) Neither the foreclosure of a superior mortgage nor the
termination of a superior ground lease, nor the institution of any suit, action,
summary or other proceedings by Landlord or any successor landlord under such
ground lease or by the holder of any such mortgage, shall, by operation of law,
result in the cancellation or termination of the obligations of Tenant
hereunder, and Tenant agrees to attorn to and recognize Landlord and any
successor landlord under such ground lease or the holder of any such mortgage,
or the purchaser of the Building in foreclosure or any subsequent owner of the
fee, as the case may be, as Tenant's landlord hereunder in the event that any of
them shall succeed to Landlord's interest in the Premises.

      15. DESTRUCTION, FIRE OR OTHER CAUSES. (a) If the Premises or the Building
shall be partially damaged by fire or other casualty so that the damage can
reasonably be repaired by Landlord within 120 days from the date of the damage,
then the damage shall be diligently repaired by and at the expense of Landlord
(to the extent of net insurance proceeds received by Landlord for restoration),
subject to applicable laws and insurance requirements, and the Rent until such
repairs shall be apportioned according to the part of the Premises which is
tenantable.

            (b) If the Premises are destroyed or are rendered wholly
untenantable by fire or other cause, or are partially damaged so that the damage
cannot reasonably be repaired by Landlord within 120 days of the date of the
damage, or if the Building shall be so damaged that Landlord shall elect not to
restore the same but to demolish it or rebuild it, then in any of such events
Landlord may, within 45 days after such casualty, give Tenant a notice in
writing of intention to terminate this Lease, and thereupon the Term shall
expire, effective the date of the casualty, and Tenant shall vacate the Premises
and surrender the same to Landlord within a reasonable time after receipt of
Landlord's notice. If Landlord does not elect to terminate this Lease, the
provisions of subsection (a) shall govern.

            (c) Each of Landlord and Tenant hereby releases the other from any
and all liability or responsibility (to the releasor or anyone claiming through
or under the releasor by way of subrogation or otherwise) for any loss or damage
to property of the releasor, or anyone claiming through or under the releasor,
caused by fire or any of the extended coverage casualties, to the extent of
insurance proceeds received by the releasor.

            (d) Landlord shall not be liable for any damage to, or be required
(under any provision of this Lease or otherwise) to repair, restore or replace,
any property in the Premises or be liable to Tenant for damage arising from rain
or snow or from the bursting, overflowing or leakage of water, steam or gas
pipes or defect in the plumbing, HVAC, mechanical or electrical systems of the
Building, except for Landlord's negligence or breach of this Lease, or from any
act or neglect of any other tenant or occupant in the Building.

      16. EMINENT DOMAIN. (a) If the whole of the Premises shall be acquired or
condemned by eminent domain for any public or quasi-public use or purpose, or if
any substantial part thereof of the Building is so acquired or condemned as to
render the Premises untenantable, or so that Landlord elects not to restore the
Building but to demolish or rebuild it, then and in that event, the Term shall
cease and terminate from the date of taking, Tenant shall have no claim against
Landlord or the condemning authority for the value of the unexpired Term,
<PAGE>
                                       10

nor a claim to any part of an award in such proceeding, and rent shall be
adjusted and paid to the date of such termination; provided, however, that
Tenant may claim against the authority for Tenant's moving costs and the value
of Tenant's property taken.

            (b) In the event of any other condemnation of a part of the Building
or Premises, this Lease shall remain in effect, but the Rent shall be prorated
based on that portion of the Premises which remains tenantable and Landlord
shall diligently repair the damage to the Building (to the extent of net
condemnation proceeds received by Landlord for restoration), subject to
applicable laws and insurance requirements.

      17. SUBLETTING. (a) Tenant shall not sublease all or any part of the
Premises, or suffer or permit the Premises or any part thereof to be subleased
to or used by others, without the prior written consent of Landlord in each
instance. If the Premises or any part thereof be sublet to or occupied by
anybody other than Tenant, Landlord may, at Landlord's option, collect rent from
the subtenant or occupant, and apply the net amount collected to the rent herein
reserved, but no such subletting, occupancy or collection shall be deemed a
waiver of this covenant, or the acceptance of the subtenant or occupants, or a
release of Tenant from the further performance by Tenant of covenants on the
part of Tenant herein contained. The consent by Landlord to sublet shall not be
construed to relieve Tenant from obtaining the express consent in writing of
Landlord to any further subletting.

            (b) If Tenant desires to sublease all or substantially all of the
Premises, Tenant shall first give notice to Landlord of the proposed transaction
and the term thereof, and Landlord shall have the right, by notice to Tenant
within 30 days after receipt of Tenant's notice, to terminate this Lease. If
Tenant desires to sublease less than substantially all of the Premises, Tenant
shall first give notice to Landlord as aforesaid, and Landlord shall have the
right to terminate this Lease with respect to the portion of the Premises
proposed to be subleased, as of the intended effective date of the proposed
sublease; provided however that upon receipt of a termination notice under this
sentence, Tenant may, by notice to Landlord within ten days thereafter, withdraw
its partial subleasing request, in which event the termination notice shall be
deemed rescinded. If Landlord exercises its right to terminate this Lease with
respect to such portion of the Premises, then (i) the Base Rent and Tenant's
Proportionate Share shall be proportionally reduced, and an adjustment shall be
made for amounts, if any, paid in advance and applicable to the portion of the
Premises no longer leased by Tenant, and (ii) the number of parking spaces
available for Tenant's use pursuant to Section 11 hereof shall be proportionally
reduced. If Landlord elects not to so terminate this Lease, then Landlord shall
not unreasonably withhold its consent to the proposed subletting.

            (c) Anything herein to the contrary notwithstanding, without
Landlord's prior consent but upon at least ten days' prior notice to Landlord,
Tenant may sublease part or all of the Premises to an entity, which controls, is
controlled by or under common control with Tenant, as the term "control" is
construed under the Federal securities laws.

      18. FEES AND EXPENSES. (a) If Tenant shall default in the observance or
performance of any term or covenant of this Lease, Landlord may, after ten days'
notice to Tenant to cure the default and failure of Tenant to cure the same
within such period, or at any time thereafter without notice in event of
emergency, perform the same for the account of
<PAGE>
                                       11

Tenant. If Landlord makes any expenditures or incurs any obligations in
connection with a default by Tenant, including, but not limited to, reasonable
attorneys' fees in instituting, prosecuting or defending any action or
proceeding against Tenant, such sums paid or obligations incurred, with interest
(as provided below) and costs, shall be deemed to be Additional Rent hereunder
and shall be paid by Tenant to Landlord within ten days of rendition of any bill
or statement to Tenant hereunder.

            (b) Any Rent not paid by Tenant within 20 days after the due date
thereof, shall thereafter be payable with interest at the rate of 2% per annum
in excess of the prime or base rate of The Chase Manhattan Bank of Connecticut
(or its successor) in effect from time to time, from the due date to the date of
payment.

      19. NO REPRESENTATIONS BY LANDLORD, ETC. (a) Landlord and Landlord's
agents have made no representations or promises with respect to the Building or
the Premises, including the uses permitted under applicable law, except for
representations herein expressly set forth.

            (b) Tenant shall defend, indemnify and hold harmless Landlord, its
employees, agents and contractors against and from all liabilities, including
reasonable attorneys' fees, which may be imposed upon or incurred by or asserted
against Landlord or such other persons by reason of any of the following
occurring during the Term or prior thereto when Tenant has been given access to
the Premises: (i) any work or thing done in the Premises by or at the request of
Tenant, its employees or agents; (ii) any negligence or wrongful act or omission
of Tenant, its employees or agents; (iii) any accident, injury, loss or damage
to any person or property occurring in the Premises, except if due to the
negligence of Landlord, its employees or agents; and (iv) any failure on the
part of Tenant to comply with any of the terms of this Lease.

            (c) Any provision of this Lease which requires Landlord not to
unreasonably withhold its consent shall never be the basis for an award of
damages or give rise to a right of setoff or termination to Tenant, but may be
the basis for a declaratory judgment or specific injunction with respect to the
matter in question.

            (d) Tenant shall look solely to the estate and interest of Landlord,
its successors and assigns, in the Building for the collection of a judgment in
the event of a default by Landlord hereunder, and no other property or assets of
Landlord or any officer, director or partner of Landlord shall be subject to
levy, execution or other enforcement procedure for the satisfaction of Tenant's
remedies.

            (e) The failure of Landlord to insist in any one or more instances
upon the strict performance of any one or more of the agreements, terms,
covenants, conditions or obligations of this Lease, or to exercise any right,
remedy or election herein contained, shall not be construed as a waiver or
relinquishment for the future of the performance of such one or more obligations
of this Lease or of the right to exercise such election, but the same shall
continue and remain in full force and effect with respect to any subsequent
breach, act or omission, whether of a similar nature or otherwise.
<PAGE>
                                       12

            (f) Each party's obligations under this Lease shall survive the
Expiration Date or sooner termination of the Term, as same may be extended
hereunder.

            (g) The Building may be designated and known by any name Landlord
may. choose, and such name or designation may be changed from time to time in
Landlord's sole discretion.

      20. QUIET ENJOYMENT. (a) Upon Tenant paying the Rent and observing and
performing all the terms, covenants and conditions on Tenant's part to be
observed and performed, Tenant may peaceably and quietly enjoy the Premises
hereby demised, free from any interference, molestation or acts of Landlord or
of anyone claiming by, through or, under Landlord, subject, nevertheless, to the
terms and conditions of this Lease and to any ground lease and mortgages as
hereinbefore provided.

            (b) If Tenant retains possession of the Premises or any part thereof
after the Expiration Date or earlier termination date without the written
consent of Landlord, Tenant's occupancy shall be under all of the terms and
conditions of this Lease, except that (i) the tenancy shall be at will,
terminable by either party on ten days' written notice; (ii) the Base Rent shall
be equal to the greater of (x) 150% of the Base Rent payable at the termination
date, and (y) the then fair market rent for the Premises; and (iii) Tenant shall
indemnify and hold Landlord harmless for all damages sustained and liabilities
incurred by Landlord as a result of Tenant's continued occupancy beyond ten days
after Landlord's notice to Tenant under this subsection.

      21. DEFAULT. (a) If (i) Tenant defaults in the payment when due of any
installment of Rent, or (ii) Tenant defaults in fulfilling any other covenant of
this Lease and Tenant fails to remedy such default within 20 days after notice
by Landlord to Tenant specifying the nature of such default (or if the said
default cannot be completely cured or remedied within said 20-day period and
Tenant shall not have diligently commenced curing such default within such
20-day period and shall not thereafter in good faith diligently proceed to
remedy or cure such default), then Landlord may, by notice to Tenant, cancel
this Lease, and this Lease and the Term hereunder shall end and expire as fully
and completely as if the date of cancellation were the day herein definitely
fixed for the end and expiration of this Lease and the Term hereof. Tenant shall
then quit and surrender the Premises to Landlord, but Tenant shall remain liable
as hereinafter provided.

            (b) If (i) the notice provided for in subsection (a) above shall
have been given and the Term shall expire as aforesaid, or (ii) Tenant shall
make default in payment of the Base Rent or any part of same or in making any
other payment herein provided for a period of ten days after notice by Landlord
to Tenant of such default, then and in any of such events, Landlord may, without
notice, re-enter the Premises, and dispossess Tenant, and the legal
representative of Tenant or other occupant of the Premises, by summary
proceedings or otherwise, and remove their effects and hold the Premises as if
this Lease had not been made, but Tenant shall remain liable for damages as
hereinafter provided.

      22. REMEDIES OF LANDLORD. In case of any such default, re-entry,
expiration and/or dispossess by summary proceedings or otherwise, (a) the Rent
shall become due thereupon and be paid up to the time of such re-entry,
dispossess and/or expiration, together with
<PAGE>
                                       13

such expenses as Landlord may incur for reasonable counsel fees, brokerage
and/or putting the Premises in good order, or for preparing the same for
re-rental; (b) Landlord may re-let the Premises or any part or parts thereof,
either in the name of Landlord or otherwise, for a term or terms, which may at
Landlord's option be less than or exceed the period which would otherwise have
constituted the balance of the Term, and may grant concessions of free rent;
and/or (c) Tenant or the legal representatives of Tenant shall also pay Landlord
any deficiency between (i) the Rent hereby reserved and/or covenanted to be
paid, and (ii) the net amount, if any, of the rents collected on account of the
lease or leases of the Premises for each month of the period which would
otherwise have constituted the balance of the Term. There shall be added to such
deficiency such expenses as Landlord may incur in connection with re-letting the
Premises, including without limitation, counsel fees, brokerage commissions and
expenses incurred in maintaining the Premises in good order and in connection
with renovating and preparing the same for re-letting. Any such rent deficiency
shall be paid in monthly installments by Tenant on the rent day specified in
this Lease, and any suit brought to collect the amount of the deficiency for any
month shall not prejudice in any way the rights of Landlord to collect the
deficiency for any subsequent month or months by a similar proceeding. In
addition, Landlord shall have the alternative of commencing suit against Tenant
at any time for an amount equal to the Rent reserved for the balance of the Term
less the fair rental value of the Premises for the same period. Landlord, at its
option, may make such alterations, repairs, replacements and/or decorations in
the Premises as Landlord considers advisable for the purpose of re-letting the
Premises; and the making of such alterations and/or decorations shall not
operate or be construed to release Tenant from liability hereunder as aforesaid.
The failure of Landlord to re-let the Premises or any part thereof shall not
release or affect Tenant's liability for continued rent or damages hereunder nor
shall Landlord in any event be liable in any way whatsoever for failure to
re-let the Premises; provided, however, that, to the extent required by
Connecticut law, Landlord shall make commercially reasonable efforts to re-let
the Premises. In the event of a breach by Tenant of any of the covenants or
provisions hereof, Landlord shall have the right of injunction and the right to
invoke any remedy allowed at law or in equity, as if re-entry, summary
proceedings and other remedies were not herein provided for. Mention in this
Lease of any particular remedy shall not preclude Landlord from any other
remedy, in law or in equity.

      23. RIGHT TO EXHIBIT PREMISES AND ACCESS TO PREMISES. (a) Landlord
reserves the right to enter the Premises and exhibit same at any reasonable time
and upon reasonable notice (i) to prospective mortgagees, purchasers and ground
lessees, and (ii) to prospective tenants at any time within 180 days prior to
the expiration of the Term.

            (b) Landlord reserves the right to have its employees and agents
enter the Premises at any reasonable time (and at any time in case of emergency)
in order to gain access to any utility area, which utility area contains
equipment and systems for the Building, and in order to effect necessary repairs
and replacements.

            (c) Landlord shall exercise all access rights to the Premises
available under this Lease, in each instance, upon reasonable advance notice to
Tenant, in a manner consistent with Tenant's reasonable security requirements
and in a manner which does not unreasonably interfere with Tenant's business
operations, except in any event in case of emergency.
<PAGE>
                                       14

      24. RULES AND REGULATIONS. Tenant and Tenant's servants, employees,
agents, visitors, invitees and licensees shall observe faithfully and comply
strictly with such Rules and Regulations as Landlord's agents may, from time
to time, adopt.

      25. BROKERAGE. Tenant warrants and represents it has not had or dealt with
any realtor, broker or agent in connection with the negotiation of this Lease,
except for the Broker, and agrees to pay and to hold Landlord harmless from any
cost, expense or liability (including costs of suit and attorneys' fees) for any
compensation, commission or charges claimed by any realtor, broker or agent with
respect to this Lease and the negotiation thereof, other than a claim of the
Broker and a claim based upon any written agreement between such person and
Landlord. Landlord represents that it has not entered into a written agreement
with any broker other than the Broker, with respect to the leasing of the
Building and which is in effect this date. Landlord shall indemnify and hold
Tenant harmless from any claim of the Broker (except for a claim based on an
agreement between Tenant and the Broker) and of any other broker with whom
Landlord has an agreement, all with respect to this Lease.

      26. FORCE MAJEURE. Landlord and Tenant, respectively, shall not be in
default hereunder if such party is unable to fulfill or is delayed in fulfilling
any of its obligations hereunder, including, without limitation, any obligations
to supply any service hereunder, or any obligations to make repairs or
replacements hereunder, if such party is prevented from fulfilling or is delayed
in fulfilling such obligations by reason of fire or other casualty, strikes or
labor troubles, governmental preemption-emption in connection with a national
emergency, shortage of supplies or materials, or by reason of any rule, order or
regulation of any governmental authority, or by reason of the condition of
supply and demand affected by war or other emergency, or any other cause beyond
its reasonable control. Such inability or delay by Landlord or Tenant in
fulfilling any of their respective obligations hereunder shall not affect,
impair or excuse the other party hereto from the performance of any of the
terms, covenants, conditions, limitations, provisions or agreements hereunder on
its part to be performed, nor result in any abatement of rents or Additional
Rents payable hereunder. Tenant shall not, however, be excused hereunder from
the prompt and full payment of Base Rent or Additional Rent for any cause
specified in this Section.

      27. SECURITY DEPOSIT. Tenant will deposit a security deposit with the
Landlord in the amount of $11,895.83, which is not to be applied toward the
tenant's rent.

      28. LEASE STATUS AND NOTICE. (a) Upon request of Landlord from time to
time, Tenant will execute and deliver to Landlord an instruments prepared by
Landlord stating, if the same be true, that this Lease is a true and exact copy
of the Lease between the parties hereto, that there are no amendments hereof (or
stating what amendments there may be), that the same is then in full force and
effect and that, to the best of Tenant's knowledge, there are then no offsets,
defenses or counterclaims with respect to the payment of rent reserved hereunder
or in the performance of the other terms, covenants and conditions hereof on the
part of the Tenant to be performed, and that as of such date no default has been
declared hereunder by either party hereto and that Tenant at the time has no
knowledge of any facts or circumstances which it might reasonably believe would
give rise to a default by either party. Such estoppel certificate required by
any party with whom Landlord is dealing may be in somewhat altered form from the
above terms.
<PAGE>
                                       15

            (b) Any notice, demand, consent, approval, directions, agreement or
other communication required or permitted hereunder or under any other documents
in connection herewith shall be in writing and shall be directed as follows:

<TABLE>
<S>                     <C>
      If to Landlord:   Principal Mutual Life Insurance Company
                        c/o Northeast Equity Asset Management Team
                        711 High Street
                        Des Moines, Iowa 50392

      With Copies to:   Servus Management Corporation
                        Manager for Principal Mutual Life Insurance Company
                        One Financial Plaza
                        Hartford, CT 06103

      If to Tenant:     Open Solutions, Inc.
                        300 Winding Brook Drive
                        Glastonbury, Connecticut 06033

      With a copy to:   N/A
</TABLE>

or to such changed address or facsimile number as a party hereto shall designate
to the other parties hereto from time to time in writing. Notices shall be (i)
personally delivered (including delivery by Federal Express or other comparable
nation-wide overnight courier service) to the offices set forth above, in which
case they shall be deemed delivered on the date of delivery (or first business
day thereafter if delivered other than on a business day or after 5:00 p.m.
Eastern Standard Time to said offices); (ii) sent by certified mail, return
receipt requested, in which case they shall be deemed delivered on the date
shown on the receipt unless delivery is refused or delayed by the addressee in
which event they shall be deemed delivered on the date of deposit in the U.S.
Mail; or (iii) sent by means of a facsimile transmittal machine, in which case
they shall be deemed delivered at the time and on the date of receipt thereof
confirmed by telephonic acknowledgement on first business day thereafter if
receipted other than on a business day or after 5:00 p.m. Eastern Standard Time.

      29. ASSIGNS. The covenants, conditions and agreements contained in this
Lease shall bind and inure to the benefit of Landlord and Tenant and their
respective heirs, distributees, executors, administrators, successors and,
except as otherwise provided in this Lease, their assigns.

            The word Landlord as used in this Lease means only the owner for the
time being of Landlord's interest in this Lease. In the event of any assignment
of Landlord's interest in this Lease, the assignor in each case shall no longer
be liable for the performance or observance of any agreements or conditions on
the part of the Landlord to be performed or observed.

      30. OPTION TO EXTEND. (a) Tenant shall have one option to extend the Term
for an additional period of five years upon all of the terms and conditions of
this Lease, except that (i) the Base Rent during the extension Term shall be 95%
of the fair rental value of the Premises at the date three months prior to the
commencement of the extension Term; and (ii) there shall be no further option to
extend beyond the expiration of such extension Term.
<PAGE>
                                       16

            (b) Tenant's option may be exercised only by notice of exercise
given by Tenant to Landlord at least twelve months prior to the expiration of
the then current Term. Failure to so exercise within such period shall render
any subsequent attempted exercise void and of no effect, any principles of law
to the contrary not withstanding. Tenant shall have no right to exercise its
option to extend the Term, and any attempted exercise shall be void and of no
effect, if (i) the named Tenant has assigned this Lease or has at any time
subleased, in the aggregate, more than 50% of the Premises to a party other than
one controlling, controlled by or under common control with Tenant; or (ii)
Tenant shall be in default hereunder and such default shall not have been cured
at the time of the attempted exercise or, if such default occurs after Tenant's
attempted exercise of the option, at the time of the proposed commencement of
the extension Term.

            (c) In the event that the parties have not agreed upon the fair
rental value of the Premises prior to the date three months before the
commencement of the extension Term, such value shall be determined by
arbitration in the City before a single arbitrator as follows:

                  (i) Landlord and Tenant shall have 15 days within which to
select one mutually agreeable arbitrator. If Landlord and Tenant fail to agree
on one arbitrator within the 15 day period, either party may promptly request
the president of the local Board of Realtors to appoint an arbitrator for the
matter, and said president's selection shall be binding upon Landlord and
Tenant. Said president shall appoint as arbitrator an individual with the
following qualifications: MAI credentials; ten years' experience in the business
of appraising commercial real estate; generally recognized competence in the
valuation of commercial rental properties in Hartford County; and has never been
a direct or indirect employee or agent of either Landlord or Tenant.

                  (ii) Landlord and Tenant shall each submit to the arbitrator,
in writing, a good faith determination of the fair rental value of the Premises.

                  (iii) The appraiser selected must choose either Landlord's or
Tenant's good faith determination of the fair rental value of the Premises and
the appraiser's choice shall be final and binding upon the parties. In
determining the fair rental value of the Premises and which of Landlord's or
Tenant's determinations to select, the appraiser shall consider all relevant
factors. From the date of appointment, the arbitrator shall have 30 days within
which to render a decision as to the fair rental value of the Premises. If the
arbitrator fails to render a decision within the applicable 30-day period,
either party shall have the right to apply to the American Academy of
Arbitrators for a decision.

            Judgement upon the award rendered by the arbitrator shall be binding
upon the parties and may be entered in any court of competent jurisdiction. The
arbitrator shall determine the liability of the parties for the costs of the
arbitration and may allocate counsel fees, witness fees and other costs between
the parties.

      31. EXPANSION OPTION. (a) If, at any time during the Term, any space
becomes available in the Building and if another tenant of the Building has not
exercised a superior right to lease such space, Landlord shall so notify Tenant
in writing and, provided that Tenant is not in default hereunder, Tenant shall
have the right, exercisable upon written notice give to Landlord
<PAGE>
                                       17

within 15 days after receipt of Landlord's notice, to lease such additional
space (the "Expansion Space") upon all the terms and conditions contained
herein, except that (i) Base Rent for the Expansion Space shall be the fair
rental value of the Expansion Space as of the date of Landlord's notice; and
(ii) Tenant's Proportionate Share shall be increased, based upon the ratio of
the rentable square footage of the Expansion Space to the rentable square
footage of the Building. Landlord's notice shall include a statement of
Landlord's reasonable estimate of the fair rental value of the Expansion space.
If the parties have not agreed upon the fair rental value of the Expansion Space
at the time Tenant exercises its option to lease same, such value shall be
determined by arbitration, as provided in Section 30 hereof.

            (b) If Tenant fails to exercise its option to lease the Expansion
Space within the 15-day period as set forth above, Landlord shall be free to
lease the Expansion Space to any party upon any terms and conditions Landlord
shall determine, from time to time during the Term, without any further
obligation to Tenant under the Section. Subsequent to Tenant's failure to
exercise its option, Tenant shall, within ten days after demand thereof by
Landlord, confirm in writing that Tenant has declined to exercise such right.

            (c) Tenant shall have no right to exercise its option to lease the
Expansion Space, and any attempted exercise shall be void and of no effect, if:
(i) the named Tenant has assigned this Lease or has at any time subleased, in
the aggregate, more than 50% of the Premises to a party other than one
controlling, controlled by or under common control with Tenant; or (ii) Tenant
shall be in default hereunder and such default shall not have been cured at the
time of the attempted exercise or, if such default occurs after Tenant's
attempted exercise of the option, at the time of the proposed commencement of
the lease of the Expansion Space.

      32. SIGNAGE. Tenant shall have the right to a listing in the lobby
directory of the Building and on the entrance door of the Premises. Tenant shall
have exterior signage on brick exterior or brick pedestal at the entrance, per
approval of the Town of Glastonbury and prior approval of Landlord.

      33. SEVERABILITY. Each covenant and agreement in this Lease shall be
construed to be a separate and independent covenant and agreement, and the
breach of any such covenant or agreement by Landlord shall not discharge or
relieve Tenant from Tenant's obligations to perform every covenant and agreement
of this Lease to be performed by Tenant. If any term of provision of this Lease
or any application thereof shall be invalid or unenforceable, the remainder of
this Lease and any other application of such term shall not be affected thereby.
The use of the term "herein" shall mean "in this Lease" unless the context
clearly indicates otherwise.

      34. SURRENDER OF PREMISES. At the expiration of the Term, Tenant will
peacefully yield up to Landlord the Premises, broom clean, in as good order and
repair as when delivered to Tenant, damage by fire, casualty and ordinary wear
and tear excepted. Any property left by Tenant in the Premises shall be deemed
abandoned by Tenant.

      35. GOVERNING LAW. This Lease shall be governed in all respects by the
laws of the State of Connecticut.
<PAGE>
                                       18

      36. LITIGATION EXPENSES. If any action, suit or proceeding is commenced
under or in connection with this Lease, the losing party shall pay to the
prevailing party, and the prevailing party shall be entitled to an award for,
attorneys' fees, court costs and other litigation expenses incurred by the
prevailing party in connection with such action, suit or proceeding.
<PAGE>
                                       19

      IN WITNESS WHEREOF, the parties hereto have hereunto set their hands and
seal the year and day first above written.

<TABLE>
<S>                                     <C>
                                        LANDLORD:
                                        Principal Mutual Life Insurance Company
                                        an Iowa Corporation

WITNESSES:

                                        /s/ Michael S. Duffy
                                        ---------------------------------------
/s/ Suzanne M. Barishouse               Michael S. Duffy
------------------------------------    Its:   Assistant Director
                                               Commercial Real Estate/Equities
/s/ Marianne McCarty
------------------------------------

                                        /s/ Ronald B. Franklin
                                        ---------------------------------------
                                        Ronald B. Franklin

                                        Its:   Director
                                               Commercial Real Estate Loan
                                               Administration

WITNESSES:                              TENANTS:
                                        Open Solutions, Inc.

/s/ Katherine Holbrook                  /s/ Clifford I. Waggoner
------------------------------------    ---------------------------------------
                                        Clifford I. Waggoner
                                        Vice President
</TABLE>

<PAGE>
                                    EXHIBIT A

                                    [Diagram]
<PAGE>
                                    EXHIBIT B

                       LEGAL DESCRIPTION OF REAL PROPERTY

      A certain parcel of land situated in the Town of Glastonbury, County of
Hartford and State of Connecticut shown as lot No. 2 and 12' Right of Way on a
map filed in the Town Clerk's office in Glastonbury, Connecticut, titled: Salmon
Brook Corporate Park Subdivision Map, Glastonbury, Connecticut, sheet 1 of 3 No.
A-SI-59-S-1, scale 1" - 40', dated 1/12/82, rev. 8/3/82 by Luchs & Beckerman,
C.E.'s and also shown on a map to be filed in the Town Clerk's office in
Glastonbury, Connecticut, titled: Map prepared for Coeur d'Alene Development,
Inc., Glastonbury, Connecticut, No. A-84-60, scale 1" - 40', dated 7/18/84,.
rev. 9/17/84 by Luchs & Beckerman, C.E.'s to which maps reference is taken
herein, being more particularly bounded and described as follows:

      Beginning at a point on the southeasterly line of Winding Brook Drive on
the division line between land now or formerly of Amica Mutual Insurance Company
and the land described, said point being the northeasterly corner of the within
described parcel;

      thence running S10(degree) 27' 42"E 15.53 feet to a point, thence
S10(degree)24' 36"E 673.51 feet to a point, and thence S80(degree) 18' 27"W 7.84
feet, all along land now or formerly of said Amica Mutual Insurance Company, to
a point on the northerly line of Connecticut Route 94 also known as Hebron
Avenue;

      thence running in general westerly direction following an arc having a
radius of 1,004.93 feet and an interior angle of 3(degree) 32' 05", said arc
turning to the left, for a distance of 62.00 feet along said northerly line of
Connecticut Route 94 also known as Hebron Avenue to a point;

      thence running N54(degree) 46' 12"W 114.29 feet to a point, and thence in
general northwesterly direction following an arc having a radius of 1,044.00
feet and an interior angle of 16(degree) 23' 34", said arc turning to the left,
for a distance of 298.70 feet, all along northeasterly line of Connecticut Route
2, State of Connecticut o a point;

      thence running N19(degree)21' 00"E 248.00 feet to a point, and thence
N10(degree) 33' 14"W 181.11 feet, all along lot No. 1, now or formerly of
Chinook Salmon Associates Limited Partnership, to a point on the southerly line
of Winding Brook Drive;

      thence running in general easterly direction following an arc having a
radius of 1,001.65 feet and an interior angle of 9(degree) 25' 10", said arc
turning to he left, for a distance of 164.67 feet to a point, and thence in
general northeasterly direction following an arc having a radius of 600.00 feet
at an interior angle of 9(degree) 37' 02", said arc turning to the left, for a
distance of 100.71 feet, all along said southerly and southeasterly line of
Winding Brook Drive to the point of beginning.
<PAGE>
                                    EXHIBIT C

                          TENANT IMPROVEMENT ALLOWANCE

      1. (a) Tenant shall, at Tenant's expense, submit to Landlord final and
complete dimensioned and detailed plans and drawings of partition layouts
(including openings, ceiling and lighting layouts, colors, mechanical and
electrical circuitry plans and any and all other information as may be
reasonably necessary to complete the construction of the Premises in accordance
with this Exhibit C (such plans are collectively referred to herein as "Tenant's
Plans"). The partition layout, and ceiling and lighting layout plans shall be
1'0" = 1/8" scale. Tenant shall submit Tenant's Plans and any other plans
required by this Exhibit C to Landlord in form, quality and quantity acceptable
for the purposes of filing for a building permit with the Building Department of
the City, and such plans shall be signed and sealed by an architect licensed in
the State of Connecticut;

         (b) Within ten days after receipt thereof, Landlord shall approve
Tenant's Plans or designate by notice to Tenant the specific changes required to
be made to Tenant's Plans. This procedure shall be repeated until Tenant's Plans
are finally approved by Landlord, which approval shall not be unreasonably
withheld or delayed.

         (c) All plans, drawings and specifications with respect to the Premises
required to be submitted by Tenant to Landlord shall comply with and conform
with the Building plans filed with the Department of Buildings and with all the
rules, regulations and/or other requirements of any governmental department
having jurisdiction over the construction of the Building and/or Premises.
Tenant shall prepare drawings in accordance with pre-existing conditions and
field measurements.

         (d) Landlord's review of Tenant's Plans is solely to protect the
interests of Landlord in the Building and the Premises, and Landlord shall be
neither the guarantor of, nor responsible for, the correctness or accuracy of
Tenant's Plans or the compliance of Tenant's Plans with applicable requirements
of Governmental Authority.

         (e) All visible office space from the building lobby must be builtout
and completed within the first three months of occupancy in a Class A manner.

      2. (a) Tenant shall select a general contractor (the "Contractor"),
subject to the approval of Landlord, which approval will not be unreasonably
withheld and shall be granted within five business days of request for such
approval.

         The construction contract will require that before starting work, the
Contractor shall obtain and deliver to Landlord final and unconditional waivers
of mechanic's liens concerning the work for all labor and services to be
performed and all material to be furnished in connection with the work, signed
by the Contractor and all subcontractors, suppliers, and laborers to become
involved in the work.

         (b) Landlord shall provide Tenant access to the premises before the
commencement date for the purpose of tenant improvements.
<PAGE>
         All provisions shall be in effect except rent which is not due untile
the commencement date.

         (c) In the event that Tenant requests any changes to Tenant's Plans,
Landlord shall not unreasonably withhold its consent to any such changes,
provided the changes do not adversely affect the Building's structure, systems,
equipment or appearance.

         (d) The "Allowance" will be applied to the cost of construction of the
Tenant Improvements and for no other purpose. The Allowance shall be an amount
up of $16,880.00. Landlord shall pay Tenant $16,880.00 upon Tenant's
verification that Tenant paid at least $16,880.00 toward ceiling and lighting
retrofit.

      3. (a) All the Tenant Improvements shall be in accordance with the rules
and regulations of any governmental department or bureau having jurisdiction
thereover and shall not conflict with, or be in violation or cause any violation
of, Landlord's basic Building plans and/or the construction of the Building, and
all the Tenant Improvements shall be completed free of all liens and
encumbrances. All permits which may be required by Landlord for the Tenant
Improvements shall be procured and paid for by Tenant.

         (b) Upon completion of the Tenant Improvements, Tenant will remove all
debris and excess materials from the Building and the Premises.

         (c) In the event Tenant or the Contractor shall enter upon the Premises
or any other part of the Building, as may be permitted by Landlord, Tenant shall
indemnify and save Landlord free and harmless from and against any and all
claims arising from or out of any entry thereon or the performance of the Tenant
Improvements and from and against any and all claims arising from or claimed to
arise from any act or neglect of Tenant or Tenant's Representatives or from any
failure to act, or for any other reason whatsoever arising out of said entry or
such work. As a condition to Landlord's permission to Tenant to make any of the
Tenant Improvements in the Premises, Landlord may require that Tenant agree with
Landlord as to the fixing of the Commencement Date of this Lease.

      4. Tenant accepts the Premises in its "as is" condition and acknowledges
that it has had an opportunity to inspect the Premises before executing this
Lease.
<PAGE>

                                    EXHIBIT D

                         BUILDING RULES AND REGULATIONS

                             300 WINDING BROOK DRIVE

         1. The sidewalks, entries, passages, court corridors, stairways and
elevators shall not be obstructed by Tenants, their employees or agents, or used
by them for purposes other than ingress and egress to and from their respective
suites.

         2. All safes or other heavy articles shall be carried up or into the
premises only at such times and in such manner as shall be prescribed by the
Landlord and the Landlord shall in all cases have the right to specify the
proper weight and position of any such safe or other heavy article. Any damage
done to the Building by taking in or removing any equipment or from overloading
any such safe or other heavy article. Any damage done to the Building by taking
in or removing any equipment or from overloading any floor in any way shall be
paid by the Tenant. Defacing or injuring in any way any part of the Building by
the Tenant, his invitees, agents or employees, shall be paid for by the Tenant.

         3. Tenant will refer all contractors, contractors' representatives and
installation technicians rendering any service to the premises for Tenant to
Landlord for Landlord's approval and supervision before performance of any
contractual service. This provision shall apply to all work performed in the
Building, including installation of telephones, telegraph equipment, electrical
devices and attachments and installations of any nature affecting floors, walls,
woodwork, trim, windows, ceilings, equipment or any other physical portion of
the Building. Such approval, if given, shall in no way make Landlord, a party to
any contract between Tenant and any such contractor, and Landlord shall have no
liability therefor.

         4. No sign, advertisement or notice shall be inscribed, painted, or
affixed on any part of the inside or outside of the Building unless of such
color, size and style and in such place as shall first be designated by
Landlord, there shall be no obligation or duty on Landlord to allow any sign,
advertisement or notice to be inscribed, painted or affixed on any part of the
inside or outside of the Building. Tenant suite identification on or adjacent to
entry doors will conform to standards established by Landlord and must be
installed by Landlord at Tenant's expense. A directory in a conspicuous place,
with the names of the Tenants, will be provided by Landlord, any necessary
revision in Tenant's name shall be made by Landlord within a reasonable time
after notice from the Tenant, and upon payment of a standard fee. No furniture
shall be placed in front of the Building or in any lobby or corridor without
written consent of Landlord. Landlord shall have the right to remove all other
signs and furniture, without notice to Tenant at the expense of Tenant.

         5. Tenant shall have the non-exclusive use in common with the Landlord,
other tenants, their guests and invitees, of the automobile parking areas,
driveways and footways, subject to reasonable rules and regulations for the use
thereof as prescribed from time to time by Landlord. Landlord shall have the
right to designate parking areas for the use of the building tenants and their
employees, and the tenants and their employees shall not park in parking areas
not so designated, specifically including driveways, fire lanes,
loading/unloading areas,
<PAGE>
walkways and building entrances. Tenant agrees that upon written notice from
Landlord, it will furnish to Landlord, within five (5) days from receipt of such
notice, the state automobile license numbers assigned to the automobiles of the
Tenant and its employees. Landlord shall not be liable for any vehicle of the
Tenant or its employees that the Landlord shall have towed from the premises
when illegally parked. Landlord will not be liable for damage to vehicles in the
parking areas or for theft of vehicles, personal property from vehicles, or
equipment of vehicles. Tenant agrees that Tenant and employees of Tenant shall
not park on off-site surrounding property, whether publicly or privately owned,
without the written consent of the owner of such surrounding property.

         6. No Tenant shall do or permit anything to be done in said premises,
or bring or keep anything therein, which will in any way increase the rate of
fire insurance on said Building, or on property kept therein, or obstruct or
interfere with the rights of other Tenants, or in any way injure or annoy them,
or conflict with the laws relating to fire, or with any regulations of the fire
department, or with any insurance policy upon said buildings or any part
thereof, or conflict with any rules and ordinances of the local Board of Health
or any governing bodies.

         7. The janitor of the Building may at all times keep a pass key, and he
and other agents of the Landlord shall at all times be allowed admittance to
said Demised Premises.

         8. No additional locks shall be placed upon any doors without the
written consent of the Landlord. All keys to the Demised Premises and the
Building Security Card Keys (if any) shall be furnished by the Landlord in a
reasonable number commensurate with the square footage leased. Additional keys
and Building Security Card Keys (if any) shall be furnished at Tenant cost. Upon
termination of this lease, all keys and Building Security Card Keys (if any)
shall be surrendered, and the Tenant shall then give the Landlord or his agents
explanation of the combination of all locks upon the doors and vaults.

         9. No windows or other openings that reflect or admit light into the
corridors or passageways, or to any other place in said Building, shall be
covered or obstructed by any of the Tenants.

         10. No person shall disturb the occupants of the Building by the use of
any musical instruments, radios, televisions, phonographs, tape players, etc.,
the making of unreasonable noises, odors, vibrations or any other unreasonable
use of the Building. No dogs or other animals or pets of any kind will be
allowed in the Building.

         11. The water closets and other fixtures shall not be used for any
purpose other than those for which they were constructed, and any damage
resulting to them from misuse, or the defacing or injury of any part of the
Building, shall be borne by the person who shall occasion it.

         12. No bicycles or similar vehicles will be allowed in the Building.

         13. Nothing shall be thrown out the windows of the Building or down the
stairways or other passages.
<PAGE>
         14. Tenant shall not be permitted to use or to keep in the Building any
flammable or explosive materials.

         15. If any Tenant desires, at his cost, telegraphic, telephonic, or
other electric connections, Landlord or its agents will direct the electricians
(which must be approved in advance by Landlord) as to where and how the wires
may be introduced, and without such directions, no boring or cutting for wires
will be permitted.

         16. If Tenant desires shades, draperies or other window treatment, they
must be of such shape, color, material and make as shall conform with other
window treatment within the Building, shall be purchased and installed at the
sole cost and expense of Tenant, and shall be approved in advance by Landlord.

         17. Landlord or its agents shall have the right to enter the premises
to examine the same or to make such repairs, alterations or additions as
Landlord shall deem necessary for the safety, preservation or improvement of the
Building.

         18. Landlord or its agents may show said premises and may place on the
windows or doors thereof, or upon the bulletin board, a notice "For Rent" for
six (6)months prior to the expiration of the lease.

         19. All glass, locks and trimmings in or about the doors and windows
and all electric fixtures belonging to the Building shall be kept whole, and
whenever broken shall be immediately replaced or repaired by Landlord at the
sole cost and expense of Tenant.

         20. Tenant shall not install or authorize the installation of any
vending machines, food or beverage preparation machines or dispensing devices,
nor shall Tenant authorize the delivery of food or beverage to the Building,
without Landlord's prior written approval. Landlord shall have the right to
rescind this approval, if given, without liability to Tenant for reimbursement
of any Tenant costs or expenses.

         21. Landlord reserves the right at any time to take one elevator out of
service to Tenants for exclusive use by the Building management in servicing the
Building.

         22. No cooking shall be done or permitted by any tenant on the Demised
Premises, nor shall the Demised Premises be used for the storage of merchandise,
for washing clothes, for lodging, or for any unlawful, improper, objectionable
or immoral purpose.

         23. Tenant shall not disturb any occupant of the Building, or canvas or
conduct surveys within the Building (without the prior written consent of
Landlord), and shall cooperate to prevent same.

         24. Landlord reserves the right to exclude or expel from the Building
any person who, in the judgment of Landlord, is intoxicated or under the
influence of liquor or drugs, or who shall in any manner do any act in violation
of any of the rules and regulations of the Building.
<PAGE>
         25. Tenant shall not use the name of the Building in connection with or
in promoting or advertising the business of Tenant except as Tenant's address.
<PAGE>
                            FIRST AMENDMENT TO LEASE

      This FIRST AMENDMENT TO LEASE (this "AMENDMENT"), is dated as of January
27, 1998, by and between PRINCIPAL MUTUAL LIFE INSURANCE COMPANY, an Iowa
corporation having an office at 711 High Street, Des Moines, Iowa ("LANDLORD"),
and OPEN SOLUTIONS, INC. a Connecticut corporation having an office at 300
Winding Brook Drive, Glastonbury, Connecticut ("TENANT").

                                R E C I T A L S:

      A. Pursuant to a certain Lease dated February 29, 1996 (the "LEASE"),
between Landlord and Tenant, Landlord leased to Tenant certain space in the
building located at 300 Winding Brook Drive, Glastonbury, Connecticut (the
"PROPERTY").

      B. Landlord has agreed to expand the parking area at the Property, and
Tenant has agreed to bear its proportionate cost of such expansion by agreeing
to increase its existing Annual Base Rent (as defined in the Lease). In
consideration therefor, Tenant shall be permitted to use the expansion parking
area in accordance with the terms of the Lease.

      C. Landlord and Tenant wish to amend the Lease to provide for such
increase in Annual Base Rent, all as more particularly provided herein.

      NOW, THEREFORE, in consideration of the mutual covenants and promises
contained herein and in the Lease, Landlord and Tenant agree as follows:

      1. AMENDMENTS TO LEASE. Effective as of November 1, 1997, Landlord and
Tenant hereby amend the Lease as follows:

      (a) The following definition of "Additional Parking Rent" is added to the
Lease as Section 2(vii).

      (vii) Additional Parking Rent:

<TABLE>
<CAPTION>
      Period               Annual Additional Parking Rent    Monthly Installment
      ------               ------------------------------    -------------------
<S>                       <C>                                <C>
      December 1, 1997-             $2,569.50                     $214.13
      November 1, 2002
</TABLE>

      (b)   The following language is added to the end of Section 5:

      Tenant shall pay to Landlord Additional Parking Rent without demand and
      without setoff or deductions of any kind, in the monthly installments set
      forth in Section 2(vii), in advance, on the first day of each calendar
      month of the Term commencing on the first to occur of (i) December 1,
      1997, or (ii) the Additional Parking Completion Date (as defined below),
      in either case, at the address of Landlord stated above or such other
      place as Landlord may designate in writing from time to time. In the event
      of the termination of the Term prior to November 1, 2002, all unpaid
      installments of Additional Parking Rent shall become immediately due and
      payable. For purposes of this Lease, the
<PAGE>
      "Additional Parking Completion Date" shall mean the date on which the
      42-space addition to the existing parking area at the Property is
      substantially completed and available for use by Tenant. If the Additional
      Parking Commencement Date shall be any day other than the first day of a
      calendar month, then, Tenant shall pay Additional Parking Rent for such
      calendar month prorated on a per diem basis, and the final payment of
      Additional Parking Rent shall be reduced by the amount of such prorated
      payment.

      2.    MISCELLANEOUS.

      (a) Except as expressly provided herein, nothing in this Amendment shall
be deemed to waive or modify any of the provisions of the Lease. In the event of
any conflict between the terms of the Lease and this Amendment, the terms of
this Amendment shall prevail. Except as amended specifically by this Amendment,
all of the terms, covenants and conditions of the Lease shall remain unmodified
and in full force and effect, and are hereby ratified and affirmed by Landlord
and Tenant.

      (b) This Amendment shall be binding upon and inure to the benefit of the
heirs, executors, administrators, successors and assigns of the respective
parties thereto.

      (c) All terms capitalized herein and not defined herein shall have the
meanings ascribed to such terms in the Lease.

      (d) This Amendment may be executed in several counterparts, each of which
may be deemed an original, but all of which together shall constitute one and
the same agreement.

      (e) The recitals set forth at the beginning of this Amendment and the
schedules attached hereto are incorporated in and made a part of this Amendment
by this reference.

      (f) Landlord and Tenant each represent and warrant that they have the
authority to enter into this Amendment without the consent, joinder or approval
of any other party.

      [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK; SIGNATURE PAGE FOLLOWS]

                                       2
<PAGE>
      IN WITNESS WHEREOF, Landlord and Tenant have caused this Amendment to be
duty executed as of the day and year first written above.
<TABLE>
<S>                             <C>
WITNESSES:                      LANDLORD:

/s/ Katie M. Michael            PRINCIPAL MUTUAL LIFE INSURANCE COMPANY
---------------------------
                                By: /s/ Scott D. Harris
                                    --------------------------------------
                                Name: Scott D. Harris
                                Title: Assistant Director
                                       Commercial Real Estate/Equities

/s/ illegible                   By: /s/ R. L. Minear
---------------------------         --------------------------------------
                                Name: R. L. Minear
                                Title: Director
                                       Corporate Real Estate

                                TENANTS:

WITNESSES:                      OPEN SOLUTIONS, INC.

/s/ Clifford I. Waggoner        /s/ Debra M. Dabrowski
---------------------------     --------------------------------------
                                Name: Debra M. Dabrowski
                                Title: Controller
</TABLE>

                                       3
<PAGE>
STATE OF IOWA       )
                    )    SS.   DES MOINES
COUNTY OF           )

      On this the 27th day of January, 1998, before me, Susan Wieland, the
undersigned officer, personally appeared Scott D. Harris, who acknowledged
himself to be the Asst. Director of PRINCIPAL MUTUAL LIFE INSURANCE COMPANY, a
corporation, and that he/she, in such capacity being authorized so to do
executed the foregoing instrument as his/her free act and deed and the free act
and deed of the corporation for the purposes contained therein by signing the
name of such corporation by himself/herself as such officer.

      IN WITNESS WHEREOF, I hereunto set my hand.

                                    /s/ Susan Wieland
                                    ------------------------------------------
                                    Notary Public
                                    My Commission expires:  July 28, 2000
                                    [Notarial Seal Affixed]

STATE OF IOWA       )
                    )    SS.   DES MOINES
COUNTY OF           )

      On this the 27th day of January, 1998, before me, Susan Wieland, the
undersigned officer, personally appeared R.L. Minear, who acknowledged himself
to be the Director of PRINCIPAL MUTUAL LIFE INSURANCE COMPANY, a corporation,
and that he/she, in such capacity being authorized so to do executed the
foregoing instrument as his/her free act and deed and the free act and deed of
the corporation for the purposes contained therein by signing the name of such
corporation by himself/herself as such officer.

      IN WITNESS WHEREOF, I hereunto set my hand.

                                    /s/ Susan Wieland
                                    ------------------------------------------
                                    Notary Public
                                    My Commission expires:  July 28, 2000
                                    [Notarial Seal Affixed]

                                       4
<PAGE>
                            SECOND AMENDMENT TO LEASE

      This SECOND AMENDMENT TO LEASE (this "AMENDMENT"), is dated as of May 25,
1999, by and between PRINCIPAL LIFE INSURANCE COMPANY, formerly known as
Principal Mutual Life Insurance Company, an Iowa corporation, having an address
at c/o Principal Capital Management, LLC, 801 Grand Avenue, Des Moines, Iowa
50392-1450 ("LANDLORD"), and OPEN SOLUTIONS, INC. a Connecticut corporation
having an office at 300 Winding Brook Drive, Glastonbury, Connecticut
("TENANT").

                                R E C I T A L S:

      A. Pursuant to a certain Lease dated February 29, 1996, as amended by
First Amendment to Lease dated July 1, 1998 (the "LEASE"), between Landlord and
Tenant, Landlord leased to Tenant certain space consisting of approximately
14,275 rentable square feet in the first floor of the building (the "Original
Space") located at 300 Winding Brook Drive, Glastonbury, Connecticut (the
"PROPERTY").

      B. Landlord and Tenant wish to amend the Lease to increase the size of the
leased premises and in certain other particulars.

      NOW, THEREFORE, in consideration of the mutual covenants and promises
contained herein and in the Lease, Landlord and Tenant agree as follows:

      1. ADDITIONAL SPACE. In addition to the Original Space leased to Tenant
under the Lease, Landlord hereby leases to Tenant and Tenant hereby leases from
Landlord effective as of August 1, 1999, for the terms and upon the rentals set
forth in the Lease, except as otherwise set forth in this Second Amendment, the
premises consisting of approximately 3,032 rentable square feet on the second
(2nd) floor of the Property (the "Additional Space") as shown on Exhibit A-1
attached hereto and made a part hereof. Tenant agrees to accept the Additional
Space as is, in the condition presently existing, and Landlord shall have no
obligation to make any repairs, alterations or improvements with respect to the
Additional Space.

      2. SPACE LAYOUT. The Lease is hereby amended to add Exhibit A-1 to Exhibit
A of the Lease so that all references in the Lease to Exhibit A shall be deemed
to be references to Exhibit A and Exhibit A-l.

      3. PREMISES. The definition of "Premises" set forth in Paragraph 1. of the
Lease is hereby amended to include for all purposes the Original Space and the
Additional Space.

      4. ADDITIONAL SPACE RENT. The following definition of "Additional Space
Rent" is added to the Lease as Paragraph 2, Section (vii):

            (vii) Additional Space Rent:
<PAGE>
<TABLE>
<CAPTION>
      Period               Annual Additional Parking Rent    Monthly Installment
      ------               ------------------------------    -------------------
<S>                        <C>                               <C>
      August 1, 1999 -     $57,608.00                        $4,800.67
      April 30, 2003
</TABLE>

      5. RENT. All references to Base Rent in the Lease and herein shall for all
purposes include Additional Space Rent (so that Base Rent, Additional Space
Rent, Additional Rent and every other amount payable by Tenant under the Lease
and hereunder shall be collectively referred to as "Rent").

      6. TENANT'S PROPORTIONATE SHARE. The Tenant's Proportionate Share as
defined in Section 2 (iii) of the Lease is hereby amended to be 56.04% for the
purpose of determining the Additional Rent under the Lease and for every other
purpose. The Tax Base Year and the Base Year with respect to the Additional
Space shall be the same as for the Original Space.

      7. EFFECTIVE DATE. The amendments and agreements set forth in Sections 1
through 7 above shall be effective as of August 1, 1999.

      8. TERM. The term for the Additional Space shall commence on August 1,
1999 and shall expire on the Expiration Date (April 30, 2003).

      9. BROKERAGE. Section 25 of the Lease is hereby amended by the addition of
the following: For the purpose of the Second Amendment and the leasing of the
Additional Space, the reference to Broker in this Section 25 shall mean Servus
Brokerage Company, LLC.

      10. MISCELLANEOUS.

         (a) Except as expressly provided herein, nothing in this Amendment
shall be deemed to waive or modify any of the provisions of the Lease. In the
event of any conflict between the terms of the Lease and this Amendment, the
terms of this Amendment shall prevail. Except as amended specifically by this
Amendment, all of the terms, covenants and conditions of the Lease shall remain
unmodified and in full force and effect, and are hereby ratified and affirmed by
Landlord and Tenant.

         (b) All terms capitalized herein and not defined herein shall have the
meanings ascribed to such terms in the Lease.

         (c) This Amendment may be executed in several counterparts, each of
which may be deemed an original, but all of which together shall constitute one
and the same agreement.

         (d) The recitals set forth at the beginning of this Amendment and the
schedules attached hereto are incorporated in and made a part of this Amendment
by this reference.

         (e) Landlord and Tenant each represent and warrant that they have the
authority to enter into this Amendment without the consent, joinder or approval
of any other party.

         (f) This Amendment shall be binding upon and inure to the benefit of
the heirs, executors, administrators, successors and assigns of the respective
parties thereto.

                                       2
<PAGE>
      IN WITNESS WHEREOF, Landlord and Tenant have caused this Amendment to be
duly executed as of the day and year first written above.

<TABLE>
<S>                            <C>
WITNESSES:                      LANDLORD:

                                PRINCIPAL LIFE INSURANCE COMPANY,
                                an Iowa corporation

                                By:   Principal Capital Management, LLC, a
                                      Delaware limited liability company, its
                                      authorized signatory
/s/ Judy Cline
---------------------------
Name:                                 By: /s/ George Vogt Jr.
                                          -----------------------------------
                                          Name: Jay Vogt
/s/ illegible                             Its: Vice President
---------------------------                    Equity Asset Management
Name:

                                TENANTS:

Witnesses:                      OPEN SOLUTIONS, INC.

/s/ Kathleen H. Callahan        By: /s/ John L. Person
---------------------------         -----------------------------------------
Name: Kathleen H. Callahan                Name: John L. Person
                                          Title: President
/s/ Lauren S. Wright
---------------------------
Name: Lauren S. Wright
</TABLE>

                                       3
<PAGE>

STATE OF IOWA         )
                      )  SS.   DES MOINES
COUNTY OF POLK        )

      On this the 16 day of June, 1999, before me, Nancy S. Niece, the
undersigned officer, personally appeared George Vogt, Jr., who acknowledged
himself/herself to be the Vice President of Principal Capital Management, LLC, A
Delaware limited liability company, authorized signatory of PRINCIPAL LIFE
INSURANCE COMPANY, an Iowa corporation, and that he/she, in such capacity being
authorized so to do, executed the foregoing instrument as his/her free act and
deed and the free act and deed of the limited liability company for the purposes
contained therein by signing the name of such limited liability company by
himself/herself as such officer.

      IN WITNESS WHEREOF, I hereunto set my hand.

                                    /s/ Nancy S. Niece
                                    ------------------------------------
                                    Notary Public
                                    My Commission expires:  June 23, 2001
                                    [Notarial Seal Affixed]
<PAGE>
STATE OF CONNECTICUT           )
                               )  SS.   GLASTONBURY
COUNTY OF HARTFORD             )

      On this the 25th day of May, 1999, before me, Kathleen H. Callahan, the
undersigned officer, personally appeared John L. Person, who acknowledged
himself to be the President of OPEN SOLUTIONS, INC. a Connecticut corporation,
and that he, in such capacity being authorized so to do, executed the foregoing
instrument as his free act and deed and the free act and deed of the corporation
for the purposes contained therein by signing the name of such limited liability
company by himself as such President.

      IN WITNESS WHEREOF, I hereunto set my hand.

                                    /s/ Kathleen H. Callahan
                                    ------------------------------------
                                    Commissioner of the Superior Court
                                    Notary Public
                                    My Commission expires:  Oct. 31, 2000
                                    [Affix Notarial Seal]
<PAGE>
                                   EXHIBIT A-1

                                ADDITIONAL SPACE

                                  Exhibit A-1-1
<PAGE>
                                  EXHIBIT "A"-1

                                    [Diagram]
<PAGE>
                            THIRD AMENDMENT TO LEASE

      This THIRD AMENDMENT TO LEASE (this "AMENDMENT"), is dated September 16,
1999, by and between FOSTER PROPERTIES, LLC, a Connecticut Limited Liability
Company, having an address at 100 Western Boulevard, Glastonbury, Connecticut,
06033 ("LANDLORD"), and OPEN SOLUTIONS, INC. a Connecticut corporation having an
office at 300 Winding Brook Drive, Glastonbury, Connecticut, 06033 ("TENANT").

                                    RECITALS:

      A. Pursuant to a certain Lease dated February 29, 1996, as amended by
First Amendment to Lease dated July 1, 1998, as amended by Second Amendment to
Lease dated May 25, 1999 (the "LEASE"), between Landlord and Tenant, Landlord
leased to Tenant certain space consisting of approximately 14,275 rentable
square feet on the first floor of the building (the "ORIGINAL Space") and
additional space consisting of approximately 3,032 rentable square feet on the
second floor of the building (the "FIRST ADDITIONAL Space") located at 300
Winding Brook Drive, Glastonbury, Connecticut (the "PROPERTY").

      B. Landlord and Tenant wish to amend the Lease to increase the size of the
leased premises and in certain other particulars.

      NOW, THEREFORE, in consideration of the mutual covenants and promises
contained herein and in the Lease, Landlord and Tenant agree as follows:

      1. ADDITIONAL SPACE. In addition to the Original Space and the First
Additional Space leased to Tenant under the Lease, and its amendments, Landlord
hereby leases to Tenant and Tenant hereby leases from Landlord effective as of
November 1, 1999, for the terms and upon the rentals set forth in the Lease,
except as otherwise set forth in this Third Amendment, the premises consisting
of approximately 3,240 rentable square feet and 1,128 rentable square feet on
the second (2nd) floor of the Property (the "SECOND ADDITIONAL SPACE") as shown
on Exhibit A-2 attached hereto and made a part hereof. Tenant agrees to accept
the Additional Space as is, in the condition presently existing, and Landlord
shall have no obligation to make any repairs, alterations or improvements with
respect to the Second Additional Space.

      2. SPACE LAYOUT. The Lease is hereby amended to add Exhibit A-2 to Exhibit
A of the Lease and Exhibit A-1 of the Second Amendment To Lease, so that all
references in the Lease to Exhibit A, shall be deemed to be references to
Exhibit A, Exhibit A-1, and Exhibit A-2.

      3. PREMISES. The definition of "Premises" set forth in Paragraph 1 of the
Lease is hereby amended to include for all purposes the Original Space, the
First Additional Space and the Second Additional Space.

      4. ADDITIONAL SPACE RENT. The following definition of "Second Additional
Space Rent" is added to the Lease as Paragraph 2, Section (vii):

            (vii) Second Additional Space Rent:
<PAGE>
<TABLE>
<CAPTION>
Period               Annual Second Additional Rent      Monthly Installment
------               -----------------------------      -------------------
<S>                  <C>                                <C>
January 1, 2000-                        $82,992.00                $6,916.00
April 30, 2003
</TABLE>

      5. RENT. All references to Base Rent in the Lease and herein shall for all
purposes include Second Additional Space Rent (so that Base Rent, First
Additional Space Rent, Second Additional Space Rent, Additional Rent and every
other amount payable by Tenant under the Lease and hereunder shall be
collectively referred to as "Rent").

      6. TENANT'S PROPORTIONATE SHARE. The Tenant's Proportionate Share as
defined in Section 2 (iii) of the Lease is hereby amended to be 70.19% for the
purpose of determining the Additional Rent under the Lease and for every other
purpose. The Tax Base Year and the Base Year with respect to the Additional
Space shall be the same as for the Original Space and First Additional Space.

      7. EFFECTIVE DATE. The amendments and agreements set forth in Sections 1
through 7 above shall be effective as of November 1, 1999.

      8. TERM. The Term for the Additional Space shall commence on November 1,
1999 and shall expire on the Expiration Date (April 30, 2003).

      9. BROKERAGE. Section 25 of the Lease is hereby amended by the addition of
the following: For the purpose of the Third Amendment and the leasing of the
Additional Space, the reference to Broker in this Section 25 shall mean Servus
Brokerage Company, LLC.

      10. MISCELLANEOUS.

            (a) Except as expressly provided herein, nothing in this Amendment
            shall be deemed to waive or modify any of the provisions of the
            Lease. In the event of any conflict between the terms of the Lease
            and this Amendment, the terms of this Amendment shall prevail.
            Except as amended specifically by this Amendment, all of the terms,
            covenants and conditions of the Lease shall remain unmodified and in
            full force and effect, and are hereby ratified and affirmed by
            Landlord and Tenant.

            (b) All terms capitalized herein and not defined herein shall have
            the meanings ascribed to such terms in the Lease.

            (c) This Amendment may be executed in several counterparts, each of
            which may be deemed an original, but all of which together shall
            constitute one and the same agreement.

            (d) The recitals set forth at the beginning of this Amendment and
            the schedules attached hereto are incorporated in and made a part of
            this Amendment by this reference.
<PAGE>
            (e) Landlord and Tenant each represent and warrant that they have
            the authority to enter into this Amendment without the consent,
            joinder or approval of any other party.

            (f) This Amendment shall be binding upon and inure to the benefit of
            the heirs, executors, administrators, successors and assigns of the
            respective parties thereto.

IN WITNESS WHEREOF, Landlord and Tenant have caused this Amendment to be duly
executed as of the day and year first written above.

<TABLE>
<S>                                     <C>
WITNESSES:                              LANDLORD:

                                        FOSTER PROPERTIES, LLC,
                                        a Connecticut Limited Liability Company

/s/ Carolyn B. Canapari                 By: /s/ Carl Foster
------------------------------------        ------------------------------------
Name: Carolyn B. Canapari                   Name: Carl Foster
                                            Title: Member

/s/ Roger S. Greco
------------------------------------
Name: Roger S. Greco

                                        TENANTS:
WITNESSES:                              OPEN SOLUTIONS, INC.

/s/ Lauren S. Wright                    By: /s/ Jack Person
------------------------------------       -------------------------------------
Name: Lauren S. Wright 9-16-99             Name: Jack Person
                                           Its: President

/s/ Debra Dabrowski Rooney
------------------------------------
Name: Debra Dabrowski Rooney
</TABLE>
<PAGE>
                                   EXHIBIT A-2

                                    2ND FLOOR

                             300 WINDING BROOK DRIVE

                                    [Diagram]
<PAGE>
                            FOURTH AMENDMENT TO LEASE

THIS FOURTH AMENDMENT TO LEASE (this "Amendment") made this 29th day of
November, 2000 by and between FOSTER PROPERTIES, LLC, a Connecticut limited
liability company having an office at 100 Western Boulevard, Glastonbury,
Connecticut (the "Landlord"), and Open Solutions Inc. ("OSI") a Connecticut
corporation having an office at 300 Winding Brook Drive, Glastonbury,
Connecticut (the "Tenant").

                                    RECITALS:

      A. Pursuant to a certain Lease dated February 29, 1996, as amended by
First Amendment to Lease dated January 27, 1998 and amended by Second Amendment
to Lease dated May 25, 1999, and amended by Third Amendment to Lease dated
September 16, 1999 (the "Lease"), between Landlord and Tenant, Landlord leased
to Tenant certain space consisting of approximately 21,675 rentable square feet
in the building located at 300 Winding Brook Drive, Glastonbury, Connecticut.

      B. Landlord and Tenant wish to amend the Lease to increase the size of the
leased premises and certain other particulars.

      NOW, THEREFORE, in consideration of the mutual covenants and promises
contained herein and in the Lease, Landlord and Tenant agree as follows:

      1. SPACE. Landlord hereby leases to Tenant and Tenant hereby leases from
Landlord effective January 1, 2001, for the terms and upon the rentals set forth
in the Lease, except as otherwise set forth in this Third Amendment, the
premises consisting of the entire building located at 300 Winding Brook Drive,
Glastonbury, Connecticut, comprising Thirty Thousand One Hundred Eight (30,108)
square feet of Gross Rentable Area.

      2. BASE RENT. The following definition of "Base Rent" is added to the
Lease as paragraph 2, section (i):

<TABLE>
<CAPTION>
Lease Years      Annual Base Rent     Monthly Installment     Rate per Sqr Ft
-----------      ----------------     -------------------     ---------------
<S>              <C>                  <C>                     <C>
     1              $572,052.00           $47,671.00                 $19.00
     2              $572,052.00           $47,671.00                 $19.00
     3              $572,052.00           $47,671.00                 $19.00
     4              $647,322.00           $53,943.50                 $21.50
     5              $647,322.00           $53,943.50                 $21.50
</TABLE>

      3. ADDITIONAL SPACE RENT. The definition for "Additional Space Rent" in
the Second Amendment to Lease in paragraph 2, section (vii), is hereby deleted.

      4. PREMISES. The definition of "Premises" set forth in Paragraph 1 of the
Lease is hereby amended to included for all purposes all of the rentable space
in the building located at 300 Winding Brook Drive, Glastonbury, Connecticut.

                                      -1-
<PAGE>
      5. TAX BASE YEAR AND EXPENSES. Tenant shall be responsible for any and all
expenses exceeding $7.50 per square foot.

      6. VERTEX SPACE. The Tenant shall have use of the former Vertex, Inc.
space (1,776 Sq. Ft.) free from costs through December 31, 2000.

      7. EFFECTIVE DATE. The amendments and agreements set forth in Sections 1
through 6 above shall be effective as of January 1, 2001.

      8. TERM. The term for the additional space shall commence on January 1,
2001 and shall expire on the Expiration Date of December 31, 2005.

      9. BROKERAGE. Section 25 of the Lease is hereby deleted and the following
inserted:

      Corporate Facility Advisors (CFA) and Servus Management Corporation (SMA)
      are recognized as the only brokers in this transaction. The Landlord will
      be responsible for all fees payable to Brokers upon execution of this
      lease. The Tenant represents that no other broker or agent participated
      with the Tenant in this transaction. The Tenant agrees to indemnify and
      hold the Landlord harmless from and against loss arising out of the
      inaccuracy of such representation.

      10. TENANT IMPROVEMENT ALLOWANCE. Landlord will reimburse OSI for
improvement costs in the amount of up to Twenty Thousand ($20,000.00) Dollars.

      11. MISCELLANEOUS.

            (a) Except as expressly provided herein, nothing in this Amendment
shall be deemed to waive or modify any of the provision of the Lease. In the
event of any conflict between the terms of the Lease and this Amendment, the
terms of this Amendment shall prevail. Except as amended specifically by this
Amendment, all the terms, covenants and conditions of the Lease shall remain in
full force and effect, and are hereby ratified and affirmed by Landlord and
Tenant.

            (b) All terms capitalized herein and not defined shall have the
meanings ascribed to such terms in the lease.

            (c) This Amendment may be executed in several counterparts, each of
which may be deemed an original, but all of which together shall constitute on
and the same agreement.

            (d) The recitals set forth at the beginning of this Amendment and
the schedules attached hereto are incorporated in and made a part of this
Amendment by this reference.

            (e) Landlord and Tenant each represent and warrant that they have
the authority to enter into this Amendment without the consent, joinder or
approval of any other party.

            (f) This Amendment shall be binding upon and inure to the benefit of
the heirs, executors, administrators, successors and assigns of the respective
parties thereto.

                                      -2-
<PAGE>
      IN WITNESS WHEREOF, the Landlord and the Tenant have hereunto caused to be
set their hands and seals as of the day and year first above written.

WITNESSES:                               LANDLORD:
                                         FOSTER PROPERTIES, LLC

 /s/ illegible                           By: /s/ Carl Foster
------------------------------------         -----------------------------------
                                         Its Member
 /s/ illegible                           Hereto Duly Authorized
------------------------------------

                                         TENANTS:
                                         Open Solutions, Inc.
 /s/ illegible
------------------------------------     /s/ John S. Wieczorek
                                         By: John S. Wieczorek
                                             -----------------------------------
 /s/ illegible                           Title: VP, CFO
-------------------------------------    Hereto Duly Authorized

                                      -3-

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