Document:

<PAGE>

                                    SUBLEASE

Dated Effective:   August 15, 1999

Between:           FIRST TECHNOLOGY CREDIT UNION, a
                   credit union chartered by the State of Oregon   ("Sublessor")

And:               CORILLIAN CORPORATION, an Oregon
                   corporation                                     ("Sublessee")

                                    RECITALS

         A.       Sublessor is the lessee under a Lease dated March 8, 1998
(the "Master Lease"), wherein Northwest Development Co., an Oregon general
partnership ("Northwest") leased to Sublessor the real property, including a
building and parking lot, located at 3855 SW 153rd Drive in the City of
Beaverton, County of Washington, State of Oregon (the "Premises").

         B.       Northwest and Sublessor amended the Master Lease by a First
Amendment to Lease dated March 15, 1988 (the "First Amendment"); a Second
Amendment to Lease dated May 1, 1988 (the "Second Amendment"); and a Third
Amendment to Lease dated March 1, 1989 (the "Third Amendment").

         C.       On or about August 14, 1990, Northwest sold the Premises,
and assigned its interest in the Master Lease, to Dr. Walter K. W. Young and
Kwai Sun Young ("Lessor).

         D.       Lessor and Sublessor amended the Master Lease by a Fourth
Amendment to Lease dated May 1, 1997 (the "Fourth Amendment"); a Sixth
Amendment to Lease dated November 10, 1997 (the "Sixth Amendment"); and a
Seventh Amendment to Lease dated February 11, 1998 (the "Seventh Amendment").
There was no "Fifth Amendment" to the Master Lease. Lessor and Sublessor also
amended the Master Lease by an Extension Agreement dated June 5, 1998 (the
"First Extension"); a Second Extension Agreement dated July 2, 1998 (the
"Second Extension"); and a Third Extension Agreement dated August 5, 1998
(the "Third Extension").

         E.       References herein to the Master Lease shall include the
First, Second, Third, Fourth, Sixth and Seventh Amendments, as well as the
First, Second and Third Extensions, where the context requires. The Master
Lease and the Second and Third Amendments are attached hereto as Exhibit A.

                                                                         PAGE 1

<PAGE>

                                    AGREEMENT

         Therefore, in consideration of the Premises, the parties agree as
follows:

         1.       RECITALS. The above Recitals are true and correct and
incorporated herein by this reference.

         2.       PREMISES. Sublessor hereby subleases the Premises to
Sublessee on the terms and conditions set forth in this Sublease. By taking
possession of the Premises, Sublessee acknowledges that it has inspected the
Premises and accepts them as being in the condition in which Sublessor is
obligated to deliver them and otherwise in good working order, condition and
repair, "AS IS" and WTH ALL FAULTS." Sublessor shall have no obligation to
alter, remove, improve, repair, decorate, or paint the Premises or any part
thereof. Sublessee acknowledges that Sublessor has not made and will not make
any warranties to Sublessee with respect to the quality of construction of
any leasehold improvements or tenant finish within the Premises or as to the
condition of the Premises, either express or implied, and that Sublessor
expressly disclaims any implied warranty that the Premises are or will be
suitable for Sublessee's intended commercial purposes. Except as otherwise
provided herein or in the Master Lease, Sublessee's obligation to pay rentals
under this Sublease is not dependent upon the condition of the

         Premises or the performance by Lessor of its obligations under the
Master Lease, and Sublessee will continue to pay the rentals due hereunder
without abatement, setoff or deduction notwithstanding any breach by
Sublessor of its duties or obligations hereunder, or by Lessor of its duties
or obligations under the Master Lease, whether express or implied. Any
dispute between Sublessee and Sublessor as to whether the latter has breached
its obligations under this Sublease with respect to the condition of the
Premises shall be resolved by arbitration as set forth in Section 21.

         3.       WARRANTY BY SUBLESSOR. Sublessor warrants and represents to
Sublessee that the Master Lease has not been amended or modified except as
expressly set forth herein, that Sublessor is not now, and as of the
commencement of the Term hereof will not be, in default or breach of any of
the provisions of the Master Lease, and that Sublessor has no knowledge of
any claim by Lessor that Sublessor is in default or breach of any of the
provisions of the Master Lease.

         4.       TERM.

                  4.1      COMMENCEMENT AND EXPIRATION. The Term of this
Sublease shall commence on August _, 1999 ("Commencement Date"), or when
Lessor consents to this Sublease, whichever shall last occur, and end on
December 31, 2000

                                                                         PAGE 2

<PAGE>

("Expiration Date"), unless otherwise sooner terminated in accordance with
the provisions of this Sublease. In the event the Term commences on a date
other than the Commencement Date, Sublessor and Sublessee shall execute a
memorandum setting forth the actual date of commencement of the Term.

                  4.2      POSSESSION. Possession of the Premises
("Possession") shall be delivered to Sublessee on the commencement of the
Term. If for any reason Sublessor does not deliver Possession to Sublessee on
the commencement of the Term, Sublessor shall not be subject to any liability
for such failure, the Expiration Date shall not be extended by the delay, and
the validity of this Sublease shall not be impaired, but rent shall abate
until delivery of Possession. If, however, Sublessor has not delivered
Possession to Sublessee within thirty (30) days after the Commencement Date,
then at any time thereafter and before delivery of Possession, Sublessee may
give written notice to Sublessor of Sublessee's intention to cancel this
Sublease. Said notice shall set forth an effective date for such cancellation
which shall be at least ten (10) days after delivery of said notice to
Sublessor. If Sublessor delivers Possession to Sublessee on or before such
effective date, this Sublease shall remain in full force and effect. If
Sublessor fails to deliver Possession to Sublessee on or before such
effective date, this Sublease shall be canceled, in which case all
consideration previously paid by Sublessee to Sublessor on account of this
Sublease shall be returned to Sublessee, this Sublease shall thereafter be of
no further force or effect, and Sublessor shall have no further liability to
Sublessee on account of such delay or cancellation.

                  4.3      HOLDOVER. Any holding over after the expiration of
the term of this Sublease with the written consent of Sublessor shall be a
tenancy from month to month. The terms, covenants and conditions of such
tenancy shall be the same as provided herein. Acceptance by Sublessor of Rent
after such expiration shall not result in any other tenancy or any renewal of
the term of this Sublease, and the provisions of this Section are in addition
to and do not affect Sublessor's right of re-entry or other rights provided
under this Sublease or by applicable law. If Sublessee shall retain
possession of the Premises or any part thereof without Sublessor's consent
following the expiration or sooner termination of this Sublease for any
reason, then Sublessee shall pay to Sublessor for each day of such retention
one hundred fifty percent (150%) of the amount of the daily Rent for the last
period prior to the date of such expiration or termination. Sublessee shall
also indemnify and hold Sublessor harmless from Sublessor's actual damages
resulting from delay by Sublessee in surrendering the Premises, including,
without limitation, any claims made by any succeeding tenant founded on such
delay. Alternatively, if Sublessor gives notice to Sublessee of Sublessor's
election thereof, such holding over shall constitute renewal of this Sublease
for a period from month to month. Acceptance of Rent by Sublessor

                                                                         PAGE 3

<PAGE>

following expiration or termination shall not constitute a renewal of this
Sublease, and nothing contained in this Section shall waive Sublessor's right
of re-entry or any other right. Unless Sublessor exercises the option hereby
given to it, Sublessee shall be only a tenant at sufferance, whether or not
Sublessor accepts any Rent from Sublessee while Sublessee is holding over
without Sublessor's written consent.

         5.       RENT

                  5.1      MONTHLY RENT. Sublessee, shall pay to Sublessor as
"Rent," without deduction, setoff, notice, or demand, at 3555 SW 153rd Drive,
Beaverton, Oregon 97006 or at such other place as Sublessor shall designate
from time to time by notice to Sublessee, the sum of Twenty-Five Thousand and
No/1 00 Dollars ($25,000) per month, in advance on the first day of each
month of the Term; provided, however, that Sublessee shall not be obligated
to pay Sublessor any Rent from the Commencement Date through September 30,
1999. If the Term ends on a day other than the first or last day of a month,
the rent for the partial month shall be prorated on a per them basis.

                  5.2      OPERATING COSTS. Sublessee, at Sublessee's
expense, shall contract and pay for all janitorial service for the interior
of the Premises. Sublessor shall pay all other expenses of maintaining and
operating the Premises required under the Master Lease, including but not
limited to taxes, utilities, and insurance.

         6.       SECURITY DEPOSIT. Sublessee shall deposit with Sublessor
upon execution of this Sublease the sum of Twenty-Five Thousand and No/1 00
Dollars ($25,000) as security for Sublessee's faithful performance of
Sublessee's obligations hereunder ("Security Deposit"). If Sublessee fails to
pay rent or other charges when due under this Sublease, or fails to perform
any of its other obligations hereunder, Sublessor may use or apply all or any
portion of the Security Deposit for the payment of any rent or other amount
then due hereunder and unpaid, for the payment of any other sum for which
Sublessor may become obligated by reason of Sublessee's default or breach, or
for any loss or damage sustained by Sublessor as a result of Sublessee's
default or breach. If Sublessor so uses any portion of the Security Deposit,
Sublessee shall, within ten (10) days after written demand by Sublessor,
restore the Security Deposit to the full amount originally deposited, and
Sublessee's failure to do so shall constitute a default under this Sublease.
Sublessor shall not be required to keep the Security Deposit separate from
its general accounts, and shall have no obligation or liability for payment
of interest on the Security Deposit. In the event Sublessor assigns its
interest in this Sublease, Sublessor shall deliver to its assignee so much of
the Security Deposit as is then held by Sublessor. Provided Sublessee is not
then in default of any of its obligations hereunder, the Security Deposit or
so much thereof as

                                                                         PAGE 4

<PAGE>

had not theretofore been applied by Sublessor as permitted herein, shall be
applied to Rent for the last month of the Term of this Sublease.

         7.       USE AND MAINTENANCE OF PREMISES. The Premises shall be used
and occupied only for general office purposes typical of Class A buildings
and telecommunications operations consistent therewith, and for no other use
or purpose. Sublessee shall not use or allow the Premises to be used for any
improper, immoral or unlawful purpose, nor shall Sublessee cause or maintain
or permit any nuisance in, on, or about the Premises. Sublessee shall, at all
times during the term hereof at Sublessee's sole cost and expense, keep the
following items in good order, condition and repair: (i) floor coverings,
(ii) wall coverings, (iii) paint, (iv) casework, (v) ceiling tiles, and (vi)
all of Sublessee's personal property. Sublessor shall maintain the
mechanical, HVAC, plumbing and electrical equipment serving the building, and
the structure itself, except for damage occasioned by the act of the
Sublessee, which damage shall be repaired by Sublessor at Sublessee's expense.

         8.       BUILDING SERVICES.

                  8.1      UTILITIES. Subject to the provisions elsewhere
herein contained, Sublessor agrees to furnish to the Premises (i) heat and
air-conditioning customarily furnished in comparable buildings in Beaverton,
Oregon, for the comfortable use and occupation of the Premises from 7:00 A.M.
to 6:00 P.M. on weekdays, and 8:00 A.M. to 1:00 P.M. on Saturdays exclusive
of legal holidays, (ii) continuous water and electricity service suitable for
the intended use of the Premises, and (iii) continuous elevator service which
shall mean service by unattended automatic elevators. Sublessor shall provide
additional or after-hours heating or air-conditioning at Sublessee's request,
and Sublessee shall pay to Sublessor a reasonable charge for such services as
determined by Sublessor, the initial rate for which shall be $50.00 per hour
per floor. Sublessee agrees to keep and cause to be kept closed all window
coverings when necessary because of the sun's position, and Sublessee also
agrees at all times to cooperate fully with Sublessor and to abide by all the
reasonable regulations and requirements which Sublessor may prescribe for the
proper functioning and protection of the heating, ventilating, and
air-conditioning system. Sublessor does not warrant that the current
air-conditioning system shall cool the Premises in the manner set forth
herein if Sublessee brings onto the Premises excess heat-generating machines,
lighting or equipment, and if the current air-conditioning system is
insufficient, Sublessee's sole remedy shall be to install, at Sublessee's
sole cost and expense, such supplementary air-conditioning units in the
Premises as may be required by Sublessee.

                  8.2      EXCESS USAGE. If Sublessee uses excessive amounts
of non-metered utilities or services of any kind because of operation outside
of normal

                                                                         PAGE 5

<PAGE>

Building hours, high demands from office machinery and equipment, nonstandard
lighting, or any other cause, Sublessor may impose a reasonable charge for
supplying such extra utilities services, which charge shall be payable
monthly by Sublessee in conjunction with Rent payments. In case of dispute
over any extra charge under this paragraph, Sublessor and Sublessee shall
select a qualified independent engineer whose decision shall be conclusive on
both parties. If the parties cannot agree on the engineer the same shall be
appointed by the presiding judge of the Multnomah County (Oregon) Circuit
Court. The party not prevailing in such dispute shall pay the cost of such
engineer's determination.

                  8.3      SERVICES DISCLAIMER. Sublessor shall not be in
default hereunder or be liable for any damages directly or indirectly
resulting from, or by reason of (i) failure to furnish or delay in furnishing
any such utilities or services when such failure or delay is caused by acts
of God or the elements, labor disturbances of any character, any other
accidents or other conditions beyond the reasonable control of Sublessor, or
by the making of repairs or improvements to the Premises or the Building, or
(ii) the limitation, curtailment, rationing or restriction on use of water or
electricity, gas or any other form of energy or any other service or utility
whatsoever serving the Premises or the building. Furthermore, Sublessor shall
be entitled to cooperate voluntarily in a reasonable manner with the efforts
of national, state or local governmental agencies or utilities suppliers in
reducing energy or other resource consumption. Notwithstanding any other
provision contained herein, in the event that any utilities or services
essential to the conduct of business in the Premises are interrupted for a
period of five (5) days or more, Rent shall abate, but only to the extent of
Sublessor's insurance unless the interruption is due to the fault of
Sublessor.

         9.       SUBLESSEE IMPROVEMENTS.

                  9.1      CONSTRUCTION BY SUBLESSEE: Sublessee shall have
the right to install, at Sublessee's sole cost and expense, the improvements
described in this Section and such other improvements as may be approved by
Sublessor, which consent shall not be unreasonably withheld so long as
Sublessee obtains Lessor's consent. In connection therewith:

                           9.1.1    SUBLESSOR'S APPROVAL: Such work shall not
proceed until Sublessor's written approval of each of the following items,
which approval shall not be unreasonably withheld, conditioned or delayed:
(a) Sublessee's contractor; (b) public liability and property damage
insurance carried by Sublessee or its contractor; (c) schematic plans and
specifications for such work; and (d) detailed construction plans and
specifications. All such work shall be done in strict conformity with such
final plans and specifications subject to field change orders prepared and
approved by

                                                                         PAGE 6

<PAGE>

Sublessor. As-built plans shall be prepared by Sublessee after the work is
fully completed and a copy shall be delivered to Sublessor for its use.

                           9.1.2    PERMITS: All work shall be done in
conformity with a valid building permit (obtained at Sublessee's expense) when
required, a copy of which shall be furnished to Sublessor before such work is
commenced, and in any case, all such work shall be performed in accordance with
all applicable governmental regulations at Sublessee's sole expense.
Notwithstanding any failure by Sublessor to object to any such Work, Sublessor
shall have no responsibility for Sublessee's failure to meet all applicable
regulations.

                           9.1.3    COORDINATION: All work by Sublessee or
Sublessee's contractor shall be scheduled through Sublessor. Sublessee or
Sublessee's contractor shall arrange for necessary utility, hoisting and
elevator service with Sublessor.

                           9.14     MANNER OF ENTRY: Sublessee's entry to the
Premises for any purpose, including without limitation, inspection or
performance of Sublessee construction by Sublessee's agents, prior to the
Commencement Dates specified herein shall be at such times as are reasonably
approved by Sublessor and subject to all the terms and conditions of this
Sublease except the payment of Rent. Sublessee's entry shall mean entry by
Sublessee, its officers, contractors, licensees, agents, servants, employees,
guests, invitees, or visitors.

                           9.1.5    FAULTY WORK: Sublessee shall promptly
reimburse Sublessor upon demand for any extra expense incurred by the Sublessor
by reason of faulty work done by Sublessee or its contractors or by reason of
any delays caused by such work, or by reason of inadequate cleanup.

                  9.2      FIBER OPTICS. Sublessee may connect redundant fiber
optics to the building's systems, the plans and specifications for which shall
be subject to Sublessor's approval, which approval shall not be unreasonably
withheld, conditioned or delayed.

                  9.3      ROOF TOP ACCESS.

                           9.3.1    LICENSE: Sublessor hereby grants Sublessee a
license to use a portion of the Building roof top area to be agreed upon by
Sublessor and Sublessee (the "Equipment Area") for the installation, operation,
maintenance, repair and replacement of an antenna (the "Antenna"), satellite
dish (the "Dish") and ancillary facilities (collectively, the "Equipment"). The
Antenna shall be no greater than three (3) feet tall, and the Dish shall be no
greater than three (3) feet in diameter. The Equipment shall weigh no more than
200 pounds. This term of this license shall

                                                                         PAGE 7

<PAGE>

be the same as the term of this Sublease and expire upon the expiration or
earlier termination of this Sublease.

                           9.3.2    COSTS: Sublessee shall reimburse
Sublessor for all costs Sublessor may incur with regard to the Equipment,
including costs for maintenance, repairs, or improvements incurred from time
to time and any expenses incurred by Sublessor in reviewing specifications or
inspecting the installation of these facilities. Sublessee also shall pay all
taxes levied by any jurisdiction with respect to the Equipment and
appurtenant facilities.

                           9.3.3    ACCESS: Sublessee and its contractors,
agents and subcontractors shall have the right to enter or leave the
Equipment Area at reasonable times provided that Sublessee and such parties
comply any applicable rules and regulations of the building.

                           9.3.4    INTERFERENCE WITH OTHER EQUIPMENT:
Sublessor shall not be responsible for any interference that may occur with
respect to Sublessee's Equipment signal.

                           9.3.5    REPAIRS: Except in the event of an
emergency, Sublessor must give its written approval prior to the performance
of any repairs or replacement of the Equipment, such approval not to be
unreasonably withheld or delayed. All costs of installation, including the
cost of electrical equipment, mounting fixtures and engineering studies
required by Sublessee hereunder, or which are required to comply with
Sublessor's site engineering or aesthetic standards, will be paid by
Sublessee. At the end of the Term of this Sublease, Sublessee shall remove
all equipment or other properties attached to or otherwise brought into or
onto the Equipment Area, other than permanent modifications which Sublessor
elects to retain.

                           9.3.6    INDEMNIFICATION: Sublessee, assumes full
responsibility for the installation, engineering and maintenance of all
Equipment. Sublessee shall indemnify and hold Sublessor harmless from and
against all losses, costs (including reasonable attorneys' fees at trial and
on appeal), damages, expenses and liabilities (including statutory liability,
liability under workers compensation laws and mechanics liens), in connection
with the use, installation or operation of the Equipment or Equipment Area or
arising from any acts or negligence of Sublessee, Sublessee's agents,
employees, customers, invitees, contractor, and subcontractors, exclusive,
however, of any liability arising out of Sublessor's negligence.

                           9.3.7    PERMITS: Sublessee shall, at its expense,
obtain any and all applicable municipal, state and Federal or other permits
and/or licenses required for the installation, operation and maintenance of
the Equipment, and Sublessor shall not

                                                                         PAGE 8

<PAGE>

be responsible for any signal interference or signal straying that may result
from Sublessee's use of the Equipment. All costs and risks associated with
the installation, operation and maintenance of the Equipment shall be the
sole obligation of Sublessee, and Sublessee's inability to secure or retain
such permits and/or licenses shall not terminate this Sublease. A copy of
each of Sublessee' s permits and licenses shall be submitted to Sublessor.

                           9.3.8    SCREENING: Sublessor, at its option, may
require Sublessee to screen the Equipment from public view by erecting
architectural screens around the Equipment Area.

                           9.3.9    PLAN APPROVAL: Ali plans and specifications
pertaining to the installation of the Equipment must be approved by Sublessor
and all governmental authorities having jurisdiction thereof and shall comply
with any restrictive covenants pertaining to the Building.

                           9.3.10   APPLICATION OF OTHER PROVISIONS: All of the
provisions of this Sublease other than this Section shall be applicable to the
License created by this Section as if the area covered by the License were a
part of the Premises, except to the extent that such provisions are in conflict
with the provisions of this Section, in which latter event the provisions of
this Section shall be deemed to be controlling.

         10.      ASSIGNMENT AND SUBLETTING. Sublessee shall not assign this
Sublease or further sublet all or any part of the Premises without the prior
written consent of both Sublessor and Lessor.

         11.      INSURANCE. Sublessor shall fulfill the insurance obligations
of the Tenant under the Master Lease. Sublessee shall insure its own personal
property and trade fixtures, and shall maintain at all times during the term of
this Sublease comprehensive general liability insurance in respect of the
Premises and the conduct or operation of business therein, with Sublessor, its
property manager, if any, Lessor and any mortgagee whose name and address shall
previously have been furnished to Sublessee, as additional insureds to the
extent of the insurance coverage required hereunder, with Two Million and No/100
Dollars ($2,000,000.00) minimum combined single limit coverage, or its
equivalent. Sublessee shall deliver to Sublessor ACORD Form 27 certificates of
insurance issued by the insurance company or its authorized agent, within ten
(10) days of the Commencement Date. Sublessee shall procure and pay for renewals
of such insurance from time to time before the expiration thereof, and Sublessee
shall deliver to Sublessor such renewal certificate at least thirty (30) days
before the expiration of any existing policy. All insurance policies required to
be carried by Sublessee hereunder shall be issued by responsible insurance
companies authorized to issue insurance in the State of Oregon rated B VII

                                                                         PAGE 9

<PAGE>

or higher by Best's Insurance Rating Service. Anything to the contrary in
this Sublease notwithstanding, neither party, nor its officers, directors,
employees nor agents, shall be liable to the other party nor to any insurance
company (by way of subrogation or otherwise) insuring the other party for any
loss or damage to any building, structure or other tangible property normally
covered under an all risk policy of property insurance or under workers'
compensation laws and benefits even though such loss or damage might have
been occasioned by the negligence of such party, its agents or employees.

         12.      ACCESS TO PREMISES. Sublessor reserves, and shall at all
reasonable times have, the right to re-enter the Premises upon 24 hours'
prior notice to Sublessee (except in an emergency) to inspect the same, to
supply any service to be provided by Sublessor to Sublessee, to show or to
allow Lessor to show the Premises to prospective purchasers, mortgagees; or
tenants, to post notices of nonresponsibility, and to alter, improve or
repair the Premises. Any such work shall be without abatement of Rent
provided the work is necessary to comply with governmental requirements or is
reasonably necessary to keep the Premises in the condition required by this
Sublease and Sublessor complies with this Section. For such purpose,
Sublessor may erect, use and maintain scaffolding, pipes, conduits and other
necessary structures in and through the Premises where reasonably required by
the character of the work to be performed, provided that entrance to the
Premises shall not be blocked thereby, and further provided that the business
of Sublessee shall not be interfered with unreasonably. For each of the
purposes stated in this Section, Sublessor shall at all times have and retain
a key with which to unlock all of the doors in, upon and about the Premises,
excluding Sublessee's vaults and safes or special security areas (designated
in advance). Sublessor shall have the right to use any and all means which
Sublessor may deem necessary or proper to open all doors in an emergency in
order to obtain entry to any portion of the Premises, and any entry to any
portion of the Premises obtained by Sublessor by any such means, or otherwise
shall not under any circumstances be construed or deemed to be a forcible or
unlawful entry into, or a detainer of, the Premises, or an eviction, actual
or constructive, of Sublessee from all or part of the Premises.

         13.      NOTICE OF OCCURRENCES. Sublessee shall give prompt notice
to Sublessor of: (i) any occurrence in or about the Premises for which
Sublessor might be liable; (H) any fire or other casualty in the Premises;
(iii) any damage to or defect in the Premises including the fixtures,
equipment and appurtenances thereof, for the repair of which Sublessor might
be responsible; and (iv) damage to or defect in any part or appurtenances of
the building's sanitary, electrical, heating, ventilating, air-conditioning,
elevator or other systems located in or passing through the Premises or any
part thereof.

                                                                         PAGE 10

<PAGE>

         14.      RULES. Sublessee shall faithfully observe and comply with any
rules and regulations from time to time established by Sublessor by written
notice to Sublessee and all reasonable modifications thereof and additions
thereto.

         15.      FORCE MAJEURE. The obligations of the parties hereunder shall
be in no way affected, impaired or excused, nor shall a party have any liability
whatsoever to the other, because:

                  15.1     such party is unable to fulfill, or is delayed in
fulfilling, any of its obligations under this Sublease by reason of strike,
other labor trouble, governmental preemption of priorities or other controls in
connection with a national or other public emergency or shortages of fuel,
supplies or labor resulting therefrom, or any other cause, whether similar or
dissimilar, beyond Sublessor's reasonable control; or

                  15.2     of any failure or defect in the supply, quantity or
character of electricity, water or other utilities furnished to the Premises, by
reason of any requirement, act or omission of the public utility or others
serving the building with electric energy, steam, oil, gas or water, or for any
other reason whether similar or dissimilar, beyond Sublessor's reasonable
control.

In no event shall this provision excuse Sublessee's obligation to pay Rent.

         16.      OTHER PROVISIONS OF SUBLEASE. Except as expressly set forth
herein, all applicable terms and conditions of the Master Lease are incorporated
into and made a part of this Sublease as if Sublessor were the lessor thereunder
and Sublessee the lessee thereunder, except for the following: Sections 1, 2, 3,
5, 6 (a) and (b), 7, 9 (b), 10 (b), 12, 21 of the Master Lease, the First
Amendment, Section 3 of the Third Amendment, the Fourth Amendment, the Sixth
Amendment, the Seventh Amendment, the First Extension, the Second Extension and
the Third Extension shall not be applicable to this Sublease, and the rights and
obligations of the Tenant under Sections 10 and 11 of the Master Lease (except
for any allocation to Tenant of moving expenses in a condemnation proceeding)
shall be the rights and obligations of Sublessor. Sublessee assumes and agrees
to perform the lessee's obligations under the Master Lease during the Term to
the extent that such obligations are applicable to the Premises, except that the
obligation to pay rent to Lessor under the Master Lease shall be considered
performed by Sublessee to the extent and in the amount rent is paid to Sublessor
in accordance with Section 5 of this Sublease. Sublessee shall not commit or
suffer any act or omission that will violate any of the provisions of the Master
Lease. Sublessor shall exercise due diligence in attempting to cause Lessor to
perform its obligations under the Master Lease for the benefit of Sublessee. If
the Master Lease terminates, this Sublease shall terminate and the parties shall
be relieved of any further liability or obligation under this Sublease, provided
however, that if the Master

                                                                     PAGE 11
<PAGE>

Lease terminates as a result of a default or breach by Sublessor or Sublessee
under this Sublease and/or the Master Lease, then the defaulting party shall
be liable to the non-defaulting party for all damage suffered as a result of
such termination. Notwithstanding the foregoing, if the Master Lease gives
Sublessor any right to terminate the Master Lease in the event of the partial
or total damage, destruction, or condemnation of the Master Premises or the
building or project of which the Master Premises are a part, the exercise of
such right by Sublessor shall not constitute a default or breach hereunder.

         17.      ATTORNEYS' FEES. If Sublessor or Sublessee shall commence
an action against the other arising out of or in connection with this
Sublease, the prevailing party shall be entitled to recover its costs of suit
and reasonable attorneys' fees; on appeal or in arbitration.

         18.      NOTICES. All notices and demands which may or are to be
required or permitted to be given by either party on the other hereunder
shall be in writing. All notices and demands by the Sublessor to Sublessee
shall be sent by United States Mail, postage prepaid, addressed to the
Sublessee at the Premises, and to the address hereinbelow, or to such other
place as Sublessee may from time to time designate in a notice to the
Sublessor. All notices and demands by the Sublessee to Sublessor shall be
sent by United States Mail, postage prepaid, addressed to the Sublessor at
the address set forth herein, and to such other person or place as the
Sublessor may from time to time designate in a notice to the Sublessee.

         To Sublessor at:           First Technology Credit Union
                                    3555 SW 153rd Drive
                                    Beaverton, Oregon 97006

         To Sublessee at:           Corillian Corporation
                                    3855 SW 153rd Drive
                                    Beaverton, Oregon 97006

         19.      BROKER. Sublessor was represented by Thomas A. Remley, SIOR,
Vice President of Grubb & Ellis (the "Broker") in connection with this Sublease.
Sublessor shall pay a brokerage commission to the Broker pursuant to the terms
of a separate agreement between the Broker and Sublessor. The parties each
represent and warrant that they are not represented by a broker except for the
Broker and are not liable to pay any other real estate commissions in connection
with this Sublease. In the event of a claim by any other broker for a broker's,
agent's or finder's fee or commission in connection with the negotiation,
execution or consummation of this transaction, the party upon whose alleged
statement, representation or agreement such claim or liability arises shall
indemnify, hold harmless and defend the other party from and

                                                                     PAGE 12
<PAGE>

against such claim and liability, including, without limitation, reasonable
attorneys' fees and court costs.

         20.      CONSENT BY LESSOR. THIS SUBLEASE SHALL BE OF NO FORCE OR
EFFECT UNLESS CONSENTED TO BY LESSOR WITHIN 10 DAYS AFTER EXECUTION HEREOF.

         21.      ARBITRATION. Sublessor or Sublessee may at any time request
final and binding arbitration of any matter in dispute where arbitration is
expressly provided for in this Sublease.

                  21.1     GENERAL. The party requesting arbitration shall do
so by giving notice to that effect to the other party, and the dispute shall
be determined in the City of Portland, Oregon, by a single arbitrator if the
amount in dispute is less than $100,000.00, and by three arbitrators for any
dispute in excess of such amount, in accordance with the rules then
pertaining to the American Arbitration Association. All arbitrators shall be
licensed attorneys having at least 10 years experience with similar
transactions. Each party shall submit its position to the arbitrator(s) and
the arbitrator(s) shall only have jurisdiction to choose the entire position
of one (1) of the parties as the prevailing position. The determination in
such arbitration may be enforced on the application of either party by the
order of judgment of a court of competent jurisdiction. The fees and expenses
of any arbitration including attorneys' and experts' fees shall be borne by
the losing party.

                  21.2     GOVERNING RULES; PRESERVATION OF REMEDIES. The
arbitrator(s) shall determine the value in accordance with the substantive
law of the state of Oregon. The arbitrator(s) shall have no authority nor
jurisdiction to award any damages or any other remedies beyond those which
could have been awarded in a court of law if the parties had litigated the
claims instead of arbitrating them. The parties shall not assert any claim
for punitive damages except to the extent such awards are specifically
authorized by statute. If the Federal Arbitration Act, Title 9 of the United
States Code, is applicable to this transaction, it shall be controlling in
any judicial proceedings and in the arbitration itself as to issues of
arbitrability and procedure.

                  21.3     MISCELLANEOUS ARBITRATION PROVISIONS. The parties
shall use their best efforts to complete any arbitration within sixty (60) days
of the filing of the dispute. The arbitrator(s) shall be empowered to impose
sanctions for any party's failure to do so. The provisions of this arbitration
provision shall survive any termination, amendment, or expiration hereof unless
the parties otherwise expressly agree in writing. If any provision of this
arbitration program is declared invalid by any court,

                                                                     PAGE 13
<PAGE>

the remaining provisions shall not be affected thereby and shall remain fully
enforceable.

SUBLESSOR:                            SUBLESSEE:

FIRST TECHNOLOGY CREDIT UNION,        CORILLIAN CORPORATION, an
a credit union chartered              Oregon corporation
by the State of Oregon

By:  /s/                              By:     /s/ Ted F. Spooner
   -----------------------               ------------------------------
Name:                                 Name:
     ---------------------                 ----------------------------
Title:     CFO                        Title:
      --------------------                  ---------------------------

Lessor consents to this Sublease and agrees that the term of the Master Lease
terminates on December 31, 2000.

LESSOR:

     /s/ Walter Young                       /s/ Kwai Sun Young
--------------------------             --------------------------------
Dr. Walter K. W. Young                 Kwai Sun Young

                                                                     PAGE 14
<PAGE>

                                    EXHIBIT A

                                  MASTER LEASE

                                                                     PAGE 15
<PAGE>

                                     LEASE

         THIS LEASE is made and entered into as of the 7 day of March 1988,
by and between Northwest Development Co., 9460 S.E. Lawnfield Road,
Clackamas, Oregon 97015 ("Landlord") and First Technology Federal Credit
Union, Post Office Box 2100, Beaverton, Oregon 97075-2100 (hereinafter
referred to as "Tenant").

                                  WITNESSETH:

         In consideration of the covenants and agreements contained herein,
Landlord has agreed to acquire approximately 10 acres of land, located at the
northwest corner of the intersection of S.W. Tualatin Valley Highway and S.W.
153rd Street in the City of Beaverton, Oregon, and to construct a building
and certain tenant improvements (the "Building") on approximately 3 acres of
such land (the balance of such land, approximately 7 acres, to be given to
the Tualatin Valley Parks and Recreation District). The Building together
with the land (hereinafter referred to as the "Premises"), is outlined in
blue on Exhibit A attached hereto.

         This Lease shall be for a term of 25 years commencing on the date when
the Premises are ready for Tenant's occupancy and use (the "Commencement Date").
Landlord shall give Tenant not less than 45 days

1-LEASE
<PAGE>

prior written notice of the date that the Premises will be completed and
ready for Tenant's occupancy.

         If such date shall be other than the first day of the month, rent
until the first of the month shall be prorated, and the Commencement Date
shall be the first day of the following month and the Lease shall continue
for a full 25 year term thereafter.

         Tenant shall owe no rent until the Premises are ready for
possession. Landlord shall have no liability for delays in deliver of
possession due to strikes, acts of God, or similar causes beyond Landlord's
control, except that either party shall have the right to terminate this
Lease if Landlord is unable to deliver possession of the Premises by December
31, 1988. Either party may cancel this Lease upon written notice to the other
in the event that permission to construct, use, or furnish necessary
utilities to the Premises is denied or revoked by the applicable government
agency or public utility and necessary utilities can not otherwise be
provided by December 31, 1988.

         TO HAVE AND TO HOLD the Premises unto Tenant for the term set forth
above on the terms and conditions hereinafter provided.

1.       CONTINGENCIES.

         The obligations of the parties pursuant to this Lease are subject to
satisfaction of the following contingencies:

2-LEASE
<PAGE>

         (a)      Mutual agreement of Landlord and Tenant to a site plan,
with diagrammatic indications showing the relationship of all major
components of the project, and small scale line drawings of the floor plans
of the Building prior to April 29, 1988. Such plans and drawings shall be
sufficiently detailed to permit Tenant to fully evaluate the design and
layout of the interior space.

         (b)      Receipt of necessary governmental approvals (including a
building permit) for the building shell within 30 days from the date of
satisfaction of the condition set forth in Paragraph l(a).

         (c)      Receipt by Landlord of a binding commitment for financing
the construction cost of the Building on the terms and conditions
satisfactory to Landlord within 30 days from the date of satisfaction of the
condition set forth in Paragraph 1(a).

         In the event that any of the foregoing contingencies are not
satisfied or waived within the time limit specified, either party may
terminate this Lease upon 10 days' written notice to the other party.

2.       IMPROVEMENTS.

         (a)      The Building shall include an office and drive-up teller
facility, landscaping, and parking improvements constructed by Landlord in
accordance with the plans and specifications to be approved by the parties
pursuant to Paragraph l(a) and all governmental authorities having

3-LEASE
<PAGE>

jurisdiction pursuant to Paragraph l(b). All plans for the Building and the
related tenant improvements are to be furnished by Landlord and approved by
Tenant. It is agreed that the exterior of the Building shall be constructed
of concrete or comparable materials, using a form of tilt wall construction
method or masonry construction, and shall consist of such other component
items listed under Building Shell on Exhibit B attached hereto. The interior
tenant improvements to be provided by Landlord shall include those items
listed under Tenant Improvements on Exhibit B attached hereto. All other
interior improvements are to be provided by Tenant, at Tenant's sole expense.

         (b)      Following the satisfaction of all conditions referred to in
Paragraph 1, Landlord shall, within 30 days, begin construction of the
Building. Tenant shall, with respect to any work it performs or causes to be
performed, keep the Premises free from any and all mechanic's or other liens.
Failure to do so shall constitute a default hereunder. Both parties agree to
cause the interior of the Building to be completed in a good and workmanlike
manner in accordance with the approved plans.

         (c)      Tenant and its contractor and subcontractors shall have the
right to use the Building prior to its completion for the purposes of
constructing and installing furnishings, cabinetry and certain custom fixtures
to the interior of the Building on the terms and conditions set forth

4-LEASE
<PAGE>

in this Lease, but only to the extent such work does not in any manner
whatsoever interfere with Landlord's construction of the Building.

         (d)      Each party shall defend, indemnify, and hold harmless the
other party from any costs, losses, or liabilities incurred or suffered in
whole or in part because of the other party's negligence in constructing the
Building or any interior improvements or fixtures. In the event that a third
party asserts any claim against Landlord based in whole or in part upon
Tenant's conduct, action, or inaction in connection with the installation of
interior fixtures, then Tenant shall defend such claim with legal counsel
acceptable to Landlord (but paid for by Tenant) and Landlord shall be
indemnified by Tenant from any cost, loss, damage, or liability arising from
such claim; provided, however, that Tenant shall not be responsible for
Landlord's defense, damages, or any indemnity obligations if Landlord is
responsible in whole or in part for the third-party claim. Landlord and
Tenant shall jointly share in the costs, losses, damages, or liabilities
arising from any claims asserted jointly against Landlord and Tenant, with
both parties sharing in the costs, losses, damages, and liabilities to the
extent of their comparative negligence, if any.

3.       RENT.

         Tenant shall pay rent for the Premises as follows;

5-LEASE
<PAGE>

         (a)      MINIMUM RENT FOR YEARS 1-5. Tenant shall pay to Landlord, at
the Landlord's address listed herein or such other place as may be designated in
writing by Landlord, during the first 60 months of this lease, the sum of
$35,100 per month. (The monthly rental has been based upon the assumption that
the Building will contain 27,000 square feet of gross area, determined by actual
outside dimensions, at $1.30 per square foot per month. At the Commencement Date
of the Lease, the monthly rent shall be adjusted to reflect the actual outside
dimensions at $1.30 per square foot per month; provided, however, in no event
will the monthly rent be less than $32,500 or more than $37,700.) Such payment
shall be made in advance for each month on or before the first day of each
calendar month.

         (b)      MINIMUM RENT FOR YEARS 6-10. For months 61 through 120 of the
term of this Lease, the minimum rent shall be the initial monthly rent (as
adjusted to reflect actual gross area) plus a sum obtained by multiplying the
minimum rent by the aggregate increase (with the decimal point moved two spaces
to the left) in the Consumer Price Index for Urban Wage Earners-New Series for
Portland, Oregon, published by the Bureau of Labor Statistics (the "CPI Index"),
from the first month in which rent is payable hereunder through the 60th month
with a maximum increase of 15 percent; provided, however, the rent for months 61
through 120 shall not be less than the rent for the initial 60 months.

6 - LEASE

<PAGE>

         (c)      MINIMUM RENT FOR YEARS 11-15. For months 121 through 180 of
the term of this Lease, the minimum rent shall be the rent payable in the 120th
month plus a sum obtained by multiplying said amount by the aggregate increase
(with the decimal point moved two spaces to the left) in the CPI Index from the
61st month of the lease term through the 120th month with a maximum increase of
15 percent; provided, however, the rent for months 121 through 180 shall not be
less than the rent for months 61 through 120.

         (d)      MINIMUM RENT FOR YEARS 16-20. For months 181 through 240 of
the term of the Lease, the minimum rent shall be the rent payable in the 180th
month plus a sum obtained by multiplying said amount by the aggregate increase
(with the decimal point moved two spaces to the left) in the CPI Index from the
121st month of the Lease term through the 180th month with a maximum increase of
15 percent; provided, however, the rent for the months 181 through 240 shall not
be less than the rent for months 121 through 180.

         (e)      MINIMUM RENT FOR YEARS 21-25. For months 241 through 300 of
the term of the Lease, the minimum rent shall be the rent payable in the 240th
month plus a sum obtained by multiplying said amount by the aggregate increase
(with the decimal point moved two spaces to the left) in the CPI Index from the
181st month of the Lease term through the 240th

7 - LEASE

<PAGE>

month with a maximum increase of 15 percent; provided, however, the rent for
months 241 through 300 shall not be less than the rent for months 181 through
240.

         (f)      CPI INDEX. In the event the CPI Index is not published for a
month required for a computation hereunder, index for the next preceding month
shall be used. If the CPI Index should no longer be published, Landlord shall
select a substitute index which is most comparable to the CPI Index.

         (g)      OPTION AND OPTION PERIOD RENT. Tenant shall have the option
to extend the term of this Lease for two additional periods of five years each.
Each option can be exercised only by Tenant giving Landlord written notice of
its election to exercise the option at least 180 days, but not more than 365
days, prior to the end of the Lease term. Upon the proper exercise of this
option, Landlord and Tenant shall negotiate in good faith to determine the fair
market rental for the Premises which shall then be the monthly rent for the
five-year option period. If they are unable to agree within 60 days after
Tenant notifies Landlord of the Tenant's exercise, the sole issue of the "fair
market rent" shall be submitted to arbitration, pursuant to the commercial
rules of arbitration of the American Arbitration Association, with a panel of
three arbitrators, one of whom shall be chosen by each party and the third
chosen by the two arbitrators so selected. Each

8 - LEASE

<PAGE>

arbitrator must be involved on a for-profit basis in commercial leasing
activity in Portland, Oregon at the date of selection.

         (h)      LATE PAYMENTS. Any sums paid or received after the tenth day
of the month during the term of this Lease, including any extension thereof,
shall bear a late fee of 5 percent of the amount of such late payment.

4.       USE OF THE PREMISES.

         (a)      The Premises shall be used and occupied by Tenant, its
subsidiaries, and subtenants for general business purposes, including but not
limited to any activities which credit unions or their subsidiaries may be
authorized to engage in under applicable law.

         (b)      In connection with its use, Tenant shall at its expense
comply with all applicable laws, ordinances, and regulations of any public
authority, including those requiring alteration of the Premises because of
Tenant's specific use; shall create no nuisance nor allow any objectionable
liquid, odor, or noise to be emitted from the Premises; shall store no gasoline
or other highly combustible materials on the Premises which would violate any
applicable fire code or regulation.

         (c)      Tenant may erect signs stating its name and the names of its
subtenants, including a description of its business and/or the business of its
subtenants after first securing Landlord's written approval as to the size,
color, designs, wordings, locations and any necessary governmental

9 - LEASE

<PAGE>

approvals. All signs installed by Tenant shall be removed upon termination of
this Lease with the sign location restored to its original condition. Tenant
shall be responsible at its sole cost and expense to maintain the appearance of
all of its signs. If Tenant fails to maintain its sign and upon failure of
Tenant to repair or replace sign upon reasonable written notice, Landlord may
make such required repairs or replacements and Tenant shall promptly reimburse
Landlord upon receipt of Landlord's invoice for the expense of such repair and
replacement.

         (d)      All alterations, additions, or improvements to the Premises
including the change of the color of the exterior of the Building by Tenant
shall require Landlord's prior written consent. Upon termination of this Lease
any such alterations, additions, or improvements (including without limitation
all electrical, lighting, plumbing, heating and air conditioning equipment,
doors, windows, partitions, drapery, carpeting, shelving, counters, and
physically attached fixtures) shall at once become part of the real property
and shall belong to Landlord unless the terms of the applicable consent provide
otherwise.

5.       SECURITY DEPOSIT.

         Tenant has deposited with Landlord the sum of $35,100 (hereafter
referred to as "the Security Deposit") to secure the faithful performance by
Tenant of each term, covenant, and condition of this Lease.

10 - LEASE

<PAGE>

If Tenant shall at any time fail to make any payment or fail to keep or perform
any term, covenant, and condition on its part to be made or performed or kept
under this Lease, Landlord may, but shall not be obligated to, and without
waiving or releasing Tenant from any obligation under this Lease, use, apply or
retain the whole or any part of the Security Deposit:

         (a)      To the extent of any sum due to Landlord;

         (b)      To make any required payment on Tenant's behalf; or

         (c)      To compensate Landlord for any loss, damage, attorney's fees,
or expense sustained by Landlord due to Tenant's default.

                  In such event, Tenant shall, within five days after written
demand by Landlord, remit to Landlord sufficient funds to restore the Security
Deposit to its original sum; Tenant's failure to do so shall be a material
breach of this Lease. Landlord shall not be required to keep the Security
Deposit separate from its general funds, and Tenant shall not be entitled to
interest on such deposit. Should Tenant comply with all of the terms,
covenants, and conditions of this Lease and at the end of term of this Lease
leave the Premises in the condition required by this Lease, then the Security
Deposit, less any sums owing to Landlord, shall be returned to Tenant (or, at
Landlord's option, to last assignee of Tenant's interest

11 - LEASE

<PAGE>

hereunder) within 30 days after the termination of this Lease and vacancy of
the Premises by Tenant.

6.       UTILITY CHARGES; MAINTENANCE.

         It is the intent of the parties hereto that this Lease shall be pure
net to Landlord and that Tenant will pay all charges related to the Building,
parking areas, driveways and grounds, including but not limited to the
following:

                  (a)      Tenant shall pay when due all charges for
electricity, natural gas, water, garbage collection, janitorial service, sewer,
grounds and landscaping maintenance and all other utilities of any kind
furnished to the Premises during the Lease term. Landlord shall have no
liability resulting from any interruption of utility services caused by fire or
other casualty, strike, riot, vandalism, the making of necessary repairs or
improvements, or any other cause beyond Landlord's reasonable control. Tenant
shall control the temperature in the Premises to prevent freezing of any
sprinkler system. Tenant agrees to promptly notify Landlord of any malfunction,
damage, or failure of the sprinkler system. Tenant shall be responsible to
promptly repair or replace, at its sole cost and expense, any parts of the
sprinkler system in the Premises damaged by freezing or any other event,
excluding other acts of God or negligence of Landlord.

12 - LEASE

<PAGE>

                  (b)      Tenant shall, at its sole expense, repair and
maintain the roof, gutters, downspouts, exterior walls, building structure,
foundation, exterior paved areas, and curbs of the Premises in good condition.
Tenant shall keep the Premises neatly maintained and in good order and repair.
Tenant's responsibility shall include all maintenance and repair of the
building and grounds which include the electrical system, plumbing, drain pipes
for sewers, landscaping, air conditioning and heating systems, all doors, and
the replacement of all broken and cracked glass with glass of the same quality.
Tenant shall refrain from any discharge that would damage the sewers serving
the Premises.

                  (c)      Tenant shall keep the sidewalks abutting the
Premises or the separate entrance free and clear of snow, ice, debris, and
obstructions of every kind. In this regard, Tenant shall refrain from using
materials, chemicals, or equipment which may be damaging to sidewalks and
entrances.

                  (d)      Tenant shall not store any materials, supplies, or
equipment outside in any unapproved or unscreened area. Trash and garbage
receptacles shall be stored in designated areas and kept covered at all times.

7.       TAXES AND ASSESSMENTS; OPERATING EXPENSES.

13 - LEASE

<PAGE>

         (a)      Tenant shall be responsible for all real property taxes and
general and special assessments relating to the Premises and shall pay them as
they become due and payable to the appropriate taxing authority.

(b)      Real property taxes charged to Tenant hereunder shall include all
general real property taxes assessed against the Premises or payable during the
Lease term, installment payments on Bancrofted special assessments, and any
rent tax, tax on Landlord's interest under this Lease, or any tax in lieu of
the foregoing, whether or not any such tax is now in effect. Tenant shall not,
however, be obligated to pay any tax based upon Landlord's net income.

8.       PARKING. Tenant, its employees, and customers shall have the exclusive
right to use all private parking located on the Premises. Tenant shall control
the use of such parking spaces so that there will be no unreasonable
interference with the normal traffic flow and shall permit no parking on any
landscaped or unpaved surface.

9.       LIABILITY.

                  (a)      Tenant shall not permit any liens to attach to the
Premises as a consequence of any of its activities. Tenant shall indemnify and
defend Landlord and Landlord's agent, if any, from any claim, liability,
damage, or loss directly or indirectly arising out of any activity on the
Premises by Tenant, its agents, or invitees or resulting from Tenant's failure

14 - LEASE

<PAGE>

to comply with any term of this Lease; provided, however, that Tenant shall
have no obligation to indemnify Landlord for any acts or omissions by Landlord
or Landlord's agents, contractors, employees, or invitees.

         (b)      Tenant shall carry public liability and property damage
insurance with limits of not less than $500,000 for injury to one person in one
occurrence, $1,000,000 for injuries to more than one person in one occurrence,
and $200,000 for property damage. Such insurance shall be evidenced by a
certificate delivered to Landlord stating that the coverage will not be
canceled or materially altered without 30 days' advance written notice to
Landlord. Landlord shall be named as an additional insured on such policy.

10.      CASUALTY DAMAGE.

                  (a)      If fire or other casualty causes damage to the
Premises in an amount exceeding 75 percent of the full construction-replacement
cost of the Premises, Landlord may elect to terminate this Lease, as of the
date of the damage, by notice in writing to Tenant within 30 days after such
date. Otherwise, Tenant shall promptly repair the damage and restore the
Premises to its former condition as soon as practicable, unless the casualty
shall occur in the last two years of the Lease term, including any renewal
thereof, in which event Landlord may elect to terminate this Lease as of the
date of the damage by notice in writing to

15 - LEASE

<PAGE>

Tenant within 30 days after such date. Rent shall be abated during the period
and to the extent the Premises are not reasonably usable for the use permitted
by this Lease.

         (b)      Tenant shall be responsible for obtaining and keeping
adequate insurance covering the Premises against loss by fire and casualty,
including rent loss coverage in favor of Landlord of at least 6 months in order
to protect Landlord for loss of rental during any period of restoration when
rent will be abated pursuant to Paragraph 10(a). Tenant shall also be
responsible for insuring its personal property and trade fixtures located on
the Premises.

         (c)      Neither party shall be liable to the other for any loss or
damage to the Premises or Tenant's personal property thereon caused by any
occurrence and there shall be no subrogated claim by one party's insurance
carrier against the other party arising out of any such loss.

11.      CONDEMNATION.

                  If a condemning authority takes the entire Premises or a
portion sufficient to render the remainder unsuitable for Tenant's use, then
either party may elect to terminate this Lease effective on the date that title
passes to the condemning authority. Otherwise, Tenant shall proceed as soon as
practicable to restore the remaining Premises to a condition comparable to that
existing at the time of the taking. Rent shall be abated

16 - LEASE

<PAGE>

during the period of restoration to the extent the Premises are not reasonably
usable by Tenant, and rent shall be reduced for the remainder of the term in an
amount equal to the reduction in rental value of the Premises caused by the
taking. All condemnation proceeds shall belong to Landlord. If moving expenses
are allocated to Tenant, Tenant shall receive those proceeds.

12.      ASSIGNMENT AND SUBLETTING.

                  Tenant shall not assign its interest under this Lease nor
mortgage or sublet (except as otherwise set forth below) the Premises without
first obtaining Landlord's consent in writing which will not be withheld
unreasonably. Tenant shall have the right to sublet portions of the Premises to
its subsidiaries, affiliates, and certain professionals for the purpose of
offering business and professional services to Tenant's customers and potential
customers. In the event that Tenant shall request Landlord's permission to
assign all or a portion of the Premises, Landlord may at his sole discretion
elect to terminate this Lease or a portion hereof, and enter into separate
leases or rental agreements with the proposed assignee. No consent in one
instance shall prevent this provision from applying to each subsequent
instance. No assignment or subletting shall relieve Tenant of its obligation to
pay rent or perform other obligations required by this Lease.

17 - LEASE

<PAGE>

13.      DEFAULT.

                  Any of the following shall constitute a default by Tenant
under this Lease:

         (a)      Tenant's failure to pay rent or any other charge under this
Lease within 10 days after it is due and upon written notice by Landlord;
provided, however, if Tenant has failed to pay rent within such 10 day grace
period and Landlord has provided written notice to Tenant on two previous
occasions during a 12 month period, then Tenant shall be in default thereafter
if Tenant fails to make such payment within the 10 day grace period and no
written notice by Landlord shall be required to constitute Tenant's default.

         (b)      Failure by Tenant to comply with any other term or condition
within 30 days following written notice from Landlord specifying the
noncompliance; provided, however, if such noncompliance cannot be cured within
the 30 day period, this provision shall be satisfied if Tenant commences
correction within such period and thereafter proceeds in good faith and with
reasonable diligence to effect compliance as soon as possible.

         (c)      Tenant's insolvency; assignment for the benefit of its
creditors; Tenant's voluntary petition in bankruptcy or adjudication as
bankrupt, or the appointment of a receiver for Tenant's properties.

18 - LEASE

<PAGE>

14.  REMEDIES FOR DEFAULT

          In case of default as described in Paragraph 13, above, Landlord
shall have the right to the following remedies which are intended to be
cumulative and in addition to any other remedies provided under applicable
law:

     (a)  Retake possession of the Premises by summary proceedings and relet
the Premises upon any reasonable terms.  No such reletting shall be
construed as an acceptance of a surrender of Tenant's leasehold interest.

     (b)  Recover damages caused by Tenant's default which shall include
reasonable attorney fees at trial and on any appeal therefrom.

          Landlord may sue periodically to recover damages as they occur
throughout the Lease term, and no action for accrued damages shall bar a later
action for damages subsequently accruing.

     (c)  Make any payment or perform any obligation required of Tenant so as
to cure Tenant's default, in which case Landlord shall be entitled to
recover all amounts so expended from Tenant, plus interest from the date of
the expenditure at the rate of 12 percent per annum from the date of the
expenditure.

15.  SURRENDER ON TERMINATION.

     (a)  On expiration or early termination of this Lease, Tenant shall
deliver all keys to Landlord, have final utility readings made

19-LEASE
<PAGE>

on the date of move out, and surrender the Premises clean and free of debris
inside and out, with all mechanical, electrical, and plumbing systems in good
operating condition, all signing removed and defacement corrected, and all
repairs called for under this Lease completed.  The Premises shall be
delivered in the same condition as at the commencement of the term, subject
only to depreciation and wear from ordinary use.  Tenant shall remove all of
its furnishings and trade fixtures that remain its property and restore all
damage resulting from such removal. Failure to remove shall be an abandonment
of the property, and Landlord may dispose of it in any manner without
liability.

     (b)  If Tenant fails to vacate the Premises when required, Landlord may
elect either to treat Tenant as a tenant from month to month, subject to all
provisions of this Lease except the provision for term, or to eject Tenant
from the Premises and recover damages caused by wrongful holdover.

16.  LANDLORD'S LIABILITY.

     (a)  Landlord warrants that so long as Tenant complies with all terms of
this Lease it shall be entitled to peaceable and undisturbed possession of
the Premises free from any eviction or disturbance by Landlord or persons
claiming through Landlord, except as described in Paragraph 18.

20-LEASE
<PAGE>

     (b)  The Term "Landlord" as used herein shall mean only the owner of the
fee title to the premises and the land on which it is situated.  In the event
of any transfer of such title to interest, Landlord herein named (and in case
of any subsequent transfers, the then Landlord) shall be relieved from and
after the date of such transfer of all liability as respects Landlord's
obligations thereafter to be performed, provided that any funds in the hands
of Landlord or the then Landlord at the time of such transfer, in which
Tenant has an interest, shall be delivered to the succeeding Landlord.

17.  GENERAL PROVISIONS.

     (a)  Waiver by either party of strict performance of any provision of
this Lease shall not be a waiver of nor prejudice the party's right otherwise
to require performance of the same provision or any other provision.

     (b)  Subject to the limitations on transfer of Tenant's interest, this
Lease shall bind and inure to the benefit of the parties, their respective
heirs, successors, and assigns.

     (c)  Landlord shall have the right to enter upon the Premises at any
time to determine Tenant's compliance with this Lease, to make necessary
repairs to the Building or the Premises, or to show the Premises to any
prospective tenant or purchasers.  During the last two months of the

21-LEASE
<PAGE>

term, Landlord may place and maintain upon the Premises notices for leasing
or sale of the Premises.

     (d)  If this Lease commences or terminates at a time other than the
beginning of the month, then the rent (including Tenant's share of real
property taxes, if any) shall be prorated as of such date and, in the event
of termination for reasons other than default, all prepaid rent shall be
refunded to Tenant or paid on its account.

     (e)  Notices between the parties relating to this Lease shall be in
writing, effective when delivered or, if mailed, effective on the second day
following mailing, postage prepaid, certified mail, return receipt requested,
to the address for the party stated in this Lease or to such other address as
either party may specify by notice to the other.  Rent shall be payable to
Landlord at the same address.

     (f)  Time is of the essence with respect to the performance of each and
every provision of this Lease.  This Lease shall be governed by the laws of
the state of Oregon.

18.  SUBORDINATION.

          This Lease may, at Landlord's sole option, be made subordinate to
any mortgage or deed of trust, which may hereafter affect the real property
of which the Building and Premises form a part, subject to Tenant's right to
peaceable and undisturbed possession.  Within 10 days of

22-LEASE
<PAGE>

receipt of written request from Landlord, Tenant shall execute and deliver
any necessary documents required to effectuate such subordination to any
mortgage or deed of trust.

19.  ESTOPPEL CERTIFICATE.

    (a)  Within 10 days of receipt of written request from Landlord, Tenant
shall execute, acknowledge, and deliver to Landlord a statement in writing
certifying that this Lease is unmodified and in full force and effect (or, if
modified, stating the nature of such modification and certifying that this
Lease, as so modified, is in full force and effect) and the date to which the
rent and other charges are paid in advance if any, and acknowledging that
there are not, to Tenant's knowledge, any uncured defaults on the part of the
Landlord hereunder, or specifying such defaults if any are claimed.  Any such
statement may be conclusively relied upon by any prospective purchaser or
encumbrancer of the Premises or of the entire Premises.

     (b)  Tenant's failure to deliver such statement within such time shall
be conclusive upon Tenant that this Lease is in full force and effect, without
modification except as may be represented by Landlord that there are no
uncured defaults in Landlord's performance, and that not more than one
month's base rent has been paid in advance.

23-LEASE
<PAGE>

20.  INDEMNITY.

     Tenant shall indemnify, defend, and hold Landlord harmless from any and
all claims arising from Tenant's use of the Premises, or from the conduct of
its business or from any activity, work, or things which may be permitted or
suffered by Tenant in or about the Premises and shall further indemnify,
defend, and hold Landlord harmless from and against any and all claims
arising from any breach or default in the performance of any obligation on
Tenant's part to be performed under the provisions of this Lease or arising
from any negligence of Tenant or any of its agents, contractors, employees or
invitees and from any and all costs, attorney fees, expenses, and liabilities
incurred in the defense of any such claim or any action of proceeding
thereon.  Tenant shall have no obligation to indemnify Landlord for negligent
or intentional acts or omissions by Landlord or Landlord's agents,
contractors, employees, or invitees.

     21.  ADJACENT PROPERTY.  In acquiring the land upon which the Building
will be constructed, Landlord will also acquire the adjacent parcel outlined
in red on Exhibit A attached hereto (the "Adjacent Property").  If, at any
time during the term of this Lease, Landlord elects to sell, lease or develop
the Adjacent Property, Landlord shall first give Tenant a notice (the
"Offering Notice") specifying the terms and conditions of which Landlord is
willing to sell or lease the Adjacent Property. For a

24-LEASE

<PAGE>

period of 30 days following receipt by Tenant of the Offering Notice, Tenant
shall have the exclusive right to purchase or lease the Adjacent Property on
the same terms and conditions as set forth in the Offering Notice.  If Tenant
should fail, within said 30-day period, to deliver written notice to Landlord
exercising such right to purchase or Lease, Landlord shall have the right to
sell or lease the Adjacent Property for a period of 180 days after the
expiration of the 30-day period to any other party; provided, however, that
Landlord shall not sell or lease the Adjacent Property for a price which is
less than the price stated in the Offering Notice, unless Landlord first
reoffers the Adjacent Property to Tenant at such reduced price (in which
event Tenant shall have a period of 30 days following receipt of notice of
the reduced price to elect, by written notice delivered to Landlord, to
purchase or lease the Adjacent Property at the reduced price and otherwise on
the terms and conditions specified by Landlord).

          IN WITNESS WHEREOF, the duly authorized representatives of the
parties have executed this lease as of the day and year first written above.

                                       LANDLORD:
                                       NORTHWEST DEVELOPMENT CO.

Date:  March 8, 1988                   By   /s/
     ---------                            --------------------------------
                                       Title  Partner
                                             -----------------------------
25-LEASE

<PAGE>

                                       TENANT:
                                       FIRST TECHNOLOGY FEDERAL CREDIT UNION

Date:  March 8, 1988                   By   /s/
     ---------                            --------------------------------
                                       Title  President
                                             -----------------------------

                                       Unless a different address is indicated
                                       above, notices to Tenant will be
                                       addressed to the Premises.
                                             P.O. Box 2100
                                             Beaverton, Oregon 97075

26-LEASE

<PAGE>

                            SECOND AMENDMENT TO LEASE

     THIS SECOND AMENDMENT TO LEASE dated for reference purposes only May 1,
1988, is by and between NORTHWEST DEVELOPMENT CO.  ("Landlord") and FIRST
TECHNOLOGY FEDERAL CREDIT UNION ("Tenant").

                               R E C I T A L S:

     A.   Pursuant to a lease dated March 8, 1988 (the "Lease"), Landlord
leased to Tenant certain real property located at the northeast corner of the
intersection of S.W. Tualatin Valley Highway and S.W. 153rd Street,
Beaverton, Oregon.  The Lease was amended by a First Amendment to Lease dated
March 15, 1988 (the "First Amendment").

     B.   The parties desire to further amend the Lease upon the terms and
conditions set forth below.

          NOW, THEREFORE, for valuable consideration, the parties agree as
follows:

          1.   The first sentence of Paragraph 4(d) shall be amended to read
as follows:

          "All alterations, additions, or improvements to the Premises,
          including the change of the color of the exterior of the Building
          by Tenant, shall be at Tenant's sole cost and expense, and shall
          require Landlord's prior written consent which shall not be
          withheld unreasonably."

1 - SECOND AMENDMENT TO LEASE

<PAGE>

          2.   Paragraph 10(c) shall be amended to read as follows:

          "Neither party shall be liable to the other for any loss or damage
          to the Premises or Tenant's personal property thereon caused by any
          occurrence and there shall be no subrogated claim by one party's
          insurance carrier against the other party arising out of any such
          loss, PROVIDED, HOWEVER, that this waiver of liability and
          subrogation shall only be effective if the parties can obtain, at
          no additional expense, a waiver of subrogation from their
          respective insurance carriers."

          3.   The following language shall be added after the first sentence
of Paragraph 11:

          "Provided, however, that so long as SeattleFirst National Bank, its
          successors or assigns ("Seafirst"), is the holder of a mortgage or
          deed of trust on the Premises, a taking by condemnation shall not
          be grounds for terminating this Lease unless 25 percent or more of
          (i) the premises, or (ii) the parking area for the Building, is
          condemned."

          4.   The following language shall be added after the first sentence
of Paragraph 17(e):

          "Copies of all notices required to be given or actually given under
          this Lease shall be sent simultaneously to the holder of any
          mortgage or deed of trust on the Premises, to such address as the
          holder of the mortgage or deed of trust may designate to Landlord
          and Tenant in writing. So long as Seafirst is the holder of a
          mortgage or deed of trust on the Premises, such notice shall be
          sent to Seafirst at Post Office Box C34103, Seattle, Washington
          98124-1103, or to such other address as Seafirst may specify."

2 - SECOND AMENDMENT TO LEASE

<PAGE>

          5.   The following language shall be added as a new Paragraph 22 to
the Lease, as follows:

          "22.  TENANT'S OPTION TO PURCHASE.  Tenant shall have the right to
          purchase the Premises at the end of each five-year rental period
          herein by providing Landlord with not less that 180 days' advance
          written notice of an intent to exercise this purchase option.  The
          purchase price for the Premises shall be determined by appraisal in
          the following manner: Not later than 10 days after the 180-day
          notice is delivered to Landlord, both parties shall select an MAI
          appraiser to appraise the Premises.  Each appraiser shall be
          instructed to assume that the minimum value of the Premises shall
          be not less than an amount based upon the rental rate then
          specified by Paragraph 3 of this Lease and assuming further that
          the Lease term shall expire five years after the closing of the
          option to Purchase.  If the two appraisals vary by 10 percent or
          less, the purchase price shall be the average of the two
          appraisals.  If the two appraisals vary by more than 10 percent,
          then the two MAI appraisers shall select a third MAI appraiser who
          shall then select between the two appraisals as to which appraisal
          better establishes the fair market value and the appraisal so
          selected shall constitute the purchase price for the Premises.  The
          appraisal costs shall be borne equally by the parties."

          6.   Except as amended by the First Amendment and this Second
Amendment, the Lease shall remain in full force and effect.

3 - SECOND AMENDMENT TO LEASE

<PAGE>

          IN WITNESS WHEREOF, the parties have executed this Second Amendment
to Lease as of the date first written above.

                                       NORTHWEST DEVELOPMENT CO.

                                       By: /s/
                                          ------------------------------------
                                          Title:   Partner
                                                ------------------------------

                                       By: /s/
                                          ------------------------------------
                                          Title:   Partner
                                                ------------------------------

                                       FIRST TECHNOLOGY FEDERAL CREDIT UNION

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

4 - SECOND AMENDMENT TO LEASE

<PAGE>

                           THIRD AMENDMENT TO LEASE

THIS THIRD AMENDMENT TO LEASE dated for reference purposes only March 1, 1989
is by and between NORTHWEST DEVELOPMENT CO. ("Landlord") and FIRST TECHNOLOGY
FEDERAL CREDIT UNION, ("Tenant").

                               R E C I T A L S:

A.   Pursuant to a lease dated March 8, 1988 (the "Lease"), Landlord leased
     to Tenant certain real property located at the northeast corner of the
     intersection of S.W. Tualatin Valley Highway and S.W. 153rd Drive,
     Beaverton, Oregon.  This lease was amended by the first amendment to the
     Lease dated March 15, 1988 ("First Amendment"), and subsequently amended
     by the second amendment to the lease dated May 1, 1988 (the "Second
     Amendment").

B.   The parties desire to further amend the lease upon the terms and
     conditions set forth below.

NOW THEREFORE for valuable consideration, the parties agree as follows:

1.   Item 5 of the Second Amendment to Lease which refers to a new paragraph
     22 to the Lease ("Tenant's Option to Purchase"), is hereby waived by the
     Tenant in its entirety.  Tenant shall no longer have the right to
     purchase the premises at the end of each five-year rental period.

2.   LEASE TERM:  Page 1 of the original Lease document dated March 8, 1988,
     refers to the original lease being for a term of twenty-five years and
     is now herein modified to reflect the following lease terms:  The
     initial lease period will be for a term of twelve years, retroactive to
     the date of possession, December 5, 1988.  The rental rate will be
     calculated as provided for in the original lease document as if the
     original twenty-five year lease was in effect.

3.   Tenant's Option to Renew: Paragraph 3(g) ("Option and Option Period
     Rent"), of the original lease document is herein modified as follows:
     Tenant shall have an option to extend the lease for one additional
     period of thirteen years. The rental rate for the additional option
     period will be calculated as provided for in the original lease document
     as if the original twenty-five year lease was in effect.

1 - THIRD AMENDMENT TO LEASE
<PAGE>

     Tenant shall be required to give Landlord written notice of Tenant's
     intent to exercise the renewal option within six months prior to the end
     of the tenth year of the original term.  In the event that Tenant elects
     not to extend the original lease for an additional thirteen years,
     Tenant agrees to pay a two-year rental premium in an amount equal to the
     prevailing rental rate as if the original lease term would extend
     through years thirteen and fourteen. Said rental prepayment premium
     will be due and payable upon Tenant's written notice not to extend.

     Tenant, in addition to the original option to renew for thirteen
     years, shall have an option to extend this lease beyond the original
     thirteen year option period and the existing terms and conditions of
     Paragraph 3(g). ("Option and Option Period Rent") shall prevail.

4.   Rent Schedule: As a matter of clarification, the rent schedule for the
     initial term of twelve years and the option period of thirteen years
     will be the same as if the original term of the lease was twenty-five
     years and will be calculated as provided for in Paragraph 3 ("Rent") of
     the original lease document.

5.   Except as expressly modified herein, the "Lease" as amended by "First
     Amendment" and "Second Amendment" shall remain in full force and effect.

NORTHWEST DEVELOPMENT CO.              FIRST TECHNOLOGY FEDERAL CREDIT UNION

By:  /s/                               By:  /s/
   -------------------------------        ----------------------------------
   Title:  Partner                        Title:  President
         -------------------------              ----------------------------

By:  /s/
   -------------------------------
   Title:  Partner
         -------------------------

2 - THIRD AMENDMENT TO LEASE
<PAGE>

AGREED TO by United of Omaha Life Insurance Company, as assignee pursuant to
an Assignment of Loan Documents and Assignment of Assignment of Leases and
Rents executed on December 27, 1988, of the interest and rights of Harding
Fletcher Company, as "Lender," pursuant to Attornment, Nondisturbance and
Estoppel Agreement dated as of December 27, 1988.

                                       UNITED OF OMAHA LIFE INSURANCE COMPANY

                                       By: /s/
                                          -----------------------------------
                                          Title:  Asst. V.P.
                                                -----------------------------

3 - THIRD AMENDMENT TO LEASE<PAGE>

                                                            Customer No. 1369

                       MASTER LOAN AND SECURITY AGREEMENT

               THIS AGREEMENT dated as of January 28, 2000, is made by Corillian
Corporation (the "Borrower"), an Oregon corporation having its principal
place of business and chief executive office at 3601 SW Murray Boulevard, Suite
300, Beaverton, Oregon 97005, in favor of Transamerica Business Credit
Corporation, a Delaware corporation (the "Lender"), having its principal office
at Riverway II, West Office Tower, 9399 West Higgins Road, Rosemont, Illinois
60018.

          WHEREAS, the Borrower has requested that the Lender make Loans to it
from time to time; and

          WHEREAS, the Lender has agreed to make such Loans on the terms and
conditions of this Agreement.

          NOW, THEREFORE, in consideration of the premises and to induce the
Lender to extend credit, the Borrower hereby agrees with the Lender as follows:

          SECTION 1.     DEFINITIONS.

          As used herein, the following terms shall have the following meanings,
and shall be equally applicable to both the singular and plural forms of the
terms defined:

AGREEMENT shall mean this Master Loan and Security Agreement together with all
schedules and exhibits hereto, as amended, supplemented, or otherwise modified
from time to time.

APPLICABLE LAW shall mean the laws of the State of Illinois (or any other
jurisdiction whose laws are mandatorily applicable notwithstanding the parties'
choice of Illinois law) or the laws of the United States of America, whichever
laws allow the greater interest, as such laws now exist or may be changed or
amended or come into effect in the future.

BUSINESS DAY shall mean any day other than a Saturday, Sunday, or public holiday
or the equivalent for banks in New York City.

CODE shall have the meaning specified in Section 8(d).

COLLATERAL shall have the meaning specified in Section 2.

COLLATERAL ACCESS AGREEMENT shall mean any landlord waiver, mortgagee waiver,
bailee letter, or similar acknowledgement of any warehouseman or processor in
possession of any Equipment, in each case substantially in the form of
Exhibit A.

EFFECTIVE DATE shall mean the date on which all of the conditions specified in
Section 3.3 shall have been satisfied.

EQUIPMENT shall have the meaning specified in Section 2.

EVENT OF DEFAULT shall mean any event specified in Section 7.

FINANCIAL STATEMENTS shall have the meaning specified in Section 6.1.

GAAP shall mean generally accepted accounting principles in the United States of
America, as in effect from time to time.

                                       1
<PAGE>

LOANS shall mean the loans and financial accommodations made by the Lender to
the Borrower in accordance with the terms of this Agreement and the Notes.

LOAN DOCUMENTS shall mean, collectively, this Agreement, the Notes, and all
other present and future documents, agreements, certificates, instruments, and
opinions delivered by the Borrower under, in connection with or relating to this
Agreement, or any other present or future instrument or agreement between Lender
and Borrower, as each of the same may be amended, modified, extended, restated
or supplemented from time to time.

MATERIAL ADVERSE CHANGE shall mean, with respect to any Person, a material
adverse change in the business, prospects, operations, results of operations,
assets, liabilities, or condition (financial or otherwise) of such Person taken
as a whole.

MATERIAL ADVERSE EFFECT shall mean, with respect to any Person, a material
adverse effect on the business, prospects, operations, results of operations,
assets, liabilities, or condition (financial or otherwise) of such Person taken
as a whole.

NOTE shall mean each Promissory Note made by the Borrower in favor of the
Lender, as amended, supplemented, or otherwise modified from time to time, in
each case substantially in the form of Exhibit B.

OBLIGATIONS shall mean and include all loans (including the Loans), advances,
debts, liabilities, obligations, covenants and duties owing by Borrower to
Lender of any kind or nature, present or future, whether or not evidenced by the
Note or any note, guaranty or other instrument, whether or not arising under or
in connection with, this Agreement, any other Loan Document or any other present
or future instrument or agreement, whether or not for the payment of money,
whether arising by reason of an extension of credit, opening, guaranteeing or
confirming of a letter of credit, loan, guaranty, indemnification or in any
other manner, whether direct or indirect (including those acquired by
assignment, purchase, discount or otherwise), whether absolute or contingent,
due or to become due, now due or hereafter arising and however acquired
(including without limitation all loans previously made by Lender to Borrower).
The term includes, without limitation, all interest (including interest accruing
on or after a bankruptcy, whether or not an allowed claim), charges, expenses,
commitment, facility, closing and collateral management fees, letter of credit
fees, reasonable attorneys' fees, taxes and any other sum properly chargeable to
Borrower under this Agreement, the other Loan Documents or any other present or
future agreement between Lender and Borrower.

PERMITTED LIENS shall mean such of the following as to which no enforcement,
collection, execution, levy, or foreclosure proceeding shall have been
commenced:  (a) liens for taxes, assessments, and other governmental charges or
levies or the claims or demands of landlords, carriers, warehousemen, mechanics,
laborers, materialmen, and other like Persons arising by operation of law in the
ordinary course of business for sums which are not yet due and payable, or liens
which are being contested in good faith by appropriate proceedings diligently
conducted and with respect to which adequate reserves are maintained to the
extent required by GAAP; (b) deposits or pledges to secure the payment of
worker's compensation, unemployment insurance, or other social security benefits
or obligations, public or statutory obligations, surety or appeal bonds, bid or
performance bonds, or other obligations of a like nature incurred in the
ordinary course of business; (c) licenses, restrictions, or covenants for or on
the use of the Equipment which do not materially impair either the use of the
Equipment in the operation of the business of the Borrower or the value of the
Equipment; and (d) attachment or judgment liens that do not constitute an Event
of Default.

PERSON shall mean any individual, sole proprietorship, partnership, limited
liability partnership, joint venture, trust, unincorporated organization,
association, corporation, limited liability company, institution, entity, party,
or government (including any division, agency, or department thereof), and the
successors, heirs, and assigns of each.

SCHEDULE shall mean each Schedule in the form of Schedule A hereto delivered by
the Borrower to the Lender from time to time.

SOLVENT means, with respect to any Person, that as of the date as to which such
Person's solvency is measured:

                                       2
<PAGE>

          (a)  the fair saleable value of its assets is in excess of the total
amount of its liabilities (including contingent liabilities as valued in
accordance with GAAP) as they become absolute and matured;

          (b)  it has sufficient capital to conduct its business; and

          (c)  it is able generally to meet its debts as they mature.

TAXES shall have the meaning specified in Section 5.5.

          SECTION 2.     CREATION OF SECURITY INTEREST; COLLATERAL.  The
Borrower hereby assigns and grants to the Lender a continuing general, first
priority lien on, and security interest in, all the Borrower's right, title, and
interest in and to the collateral described in the next sentence (the
"Collateral") to secure the payment and performance of all the Obligations.  The
Collateral consists of all equipment set forth on all the Schedules delivered
from time to time under the terms of this Agreement (the "Equipment"), together
with all present and future additions, parts, accessories, attachments,
substitutions, repairs, improvements, and replacements thereof or thereto, and
any and all proceeds thereof, including, without limitation, proceeds of
insurance and all manuals, blueprints, know-how, warranties, and records in
connection therewith, all rights against suppliers, warrantors, manufacturers,
sellers, or others in connection therewith, and together with all substitutes
for any of the foregoing.

          SECTION 3.     THE CREDIT FACILITY.

               SECTION 3.1.   BORROWINGS.  Each Loan shall be in an amount not
less than $50,000, and in no event shall the sum of the aggregate Loans made
exceed the amount of the Lender's written commitment to the Borrower in effect
from time to time.  Notwithstanding anything herein to the contrary, the Lender
shall be obligated to make the initial Loan and each other Loan only after the
Lender, in its sole discretion, determines that the applicable conditions for
borrowing contained in Sections 3.3 and 3.4 are satisfied.  The timing and
financial scope of Lender's obligation to make Loans hereunder are limited as
set forth in a commitment letter executed by Lender and Borrower, dated as of
October 19, 1999 and attached hereto as EXHIBIT A (the "Commitment Letter").

               SECTION 3.2.   APPLICATION OF PROCEEDS.  The Borrower shall not
directly or indirectly use any proceeds of the Loans, or cause, assist, suffer,
or permit the use of any proceeds of the Loans, for any purpose other than for
the purchase, acquisition, installation, or upgrading of Equipment or the
reimbursement of the Borrower for its purchase, acquisition, installation, or
upgrading of Equipment.

               SECTION 3.3.   CONDITIONS TO INITIAL LOAN.

          (a)  The obligation of the Lender to make the initial Loan is subject
to the Lender's receipt of the following, each dated the date of the initial
Loan or as of an earlier date acceptable to the Lender, in form and substance
satisfactory to the Lender and its counsel:

               (i)    completed requests for information (Form UCC-11) listing
          all effective Uniform Commercial Code financing statements naming the
          Borrower as debtor and all tax lien, judgment, and litigation searches
          for the Borrower as the Lender shall deem necessary or desirable;

               (ii)   Uniform Commercial Code financing statements (Form UCC-1)
          duly executed by the Borrower (naming the Lender as secured party and
          the Borrower as debtor and in form acceptable for filing in all
          jurisdictions that the Lender deems necessary or desirable to perfect
          the security interests granted to it hereunder) and, if applicable,
          termination statements or other releases duly filed in all
          jurisdictions that the Lender deems necessary or desirable to perfect
          and protect the priority of the security interests granted to it
          hereunder in the Equipment related to such initial Loan;

                                       3
<PAGE>

               (iii)  a Note duly executed by the Borrower evidencing the amount
          of such Loan;

               (iv)   a Collateral Access Agreement duly executed by the lessor
          or mortgagee, as the case may be, of each premises where the Equipment
          is located;

               (v)    certificates of insurance required under Section 5.4 of
          this Agreement together with loss payee endorsements for all such
          policies naming the Lender as lender loss payee and as an additional
          insured;

               (vi)   a certificate of the Secretary or an Assistant Secretary
          of the Borrower ("Secretary's Certificate") certifying  (A) that
          attached to the Secretary's Certificate is a true, complete, and
          accurate copy of the resolutions of the Board of Directors of the
          Borrower (or a unanimous consent of directors in lieu thereof)
          authorizing the execution, delivery, and performance of this
          Agreement, the other Loan Documents, and the transactions contemplated
          hereby and thereby,  and that such resolutions have not been amended
          or modified since the date of such certification and are in full force
          and effect; (B) the incumbency, names, and true signatures of the
          officers of the Borrower authorized to sign the Loan Documents to
          which it is a party; (C) that attached to the Secretary's Certificate
          is a true and correct copy of the Articles or Certificate of
          Incorporation of the Company, as amended, which Articles or
          Certificate of Incorporation have not been further modified, repealed
          or rescinded and are in full force and effect; (D) that attached to
          the Secretary's Certificate of the Borrower is a true and correct copy
          of the Bylaws, as amended, which Bylaws of the Company have not been
          further modified, repealed or rescinded and are in full force and
          effect; and (E) that attached to the Secretary's Certificate  is a
          valid Certificate of Good Standing issued by the Secretary of the
          State of the Borrower's state of incorporation;

               (vii)  the opinion of counsel for the Borrower covering such
          matters incident to the transactions contemplated by this Agreement as
          the Lender may reasonably require; and

               (viii) such other agreements and instruments as the Lender deems
          necessary in its sole and absolute discretion in connection with the
          transactions contemplated hereby.

          (b)  There shall be no pending or, to the knowledge of the Borrower
after due inquiry, threatened litigation, proceeding, inquiry, or other action
(i) seeking an injunction or other restraining order, damages, or other relief
with respect to the transactions contemplated by this Agreement or the other
Loan Documents or thereby or (ii) which affects or could affect the business,
prospects, operations, assets, liabilities, or condition (financial or
otherwise) of the Borrower, except, in the case of clause (ii), where such
litigation, proceeding, inquiry, or other action could not be expected to have a
Material Adverse Effect in the judgment of the Lender.

          (c)  The Borrower shall have paid all fees and expenses required to be
paid by it to the Lender as of such date.

          (d)  The security interests in the Equipment related to the initial
Loan granted in favor of the Lender under this Agreement shall have been duly
perfected and shall constitute first priority liens, subject only to Permitted
Liens.
               SECTION 3.4.   CONDITIONS PRECEDENT TO EACH LOAN.  The obligation
of the Lender to make each Loan is subject to the satisfaction of the following
conditions precedent:

          (a)  the Lender shall have received the documents, agreements, and
instruments set forth in Section 3.3(a)(i) through (v) applicable to such Loan,
each in form and substance satisfactory to the Lender and its counsel and each
dated the date of such Loan or as of an earlier date acceptable to the Lender;

                                       4
<PAGE>

          (b)  the Lender shall have received a Schedule of the Equipment
related to such Loan, in form and substance satisfactory to the Lender and its
counsel, and the security interests in such Equipment related to such Loan
granted in favor of the Lender under this Agreement shall have been duly
perfected and shall constitute first priority liens;

          (c)  all representations and warranties contained in this Agreement
and the other Loan Documents shall be true and correct on and as of the date of
such Loan as if then made, other than representations and warranties that
expressly relate solely to an earlier date, in which case they shall have been
true and correct as of such earlier date;

          (d)  no Event of Default or event which with the giving of notice or
the passage of time, or both, would constitute an Event of Default shall have
occurred and be continuing or would result from the making of the requested Loan
as of the date of such request; and

          (e)  the Borrower shall be deemed to have hereby reaffirmed and
ratified all security interests, liens, and other encumbrances heretofore
granted by the Borrower to the Lender.

          SECTION 4.  THE BORROWER'S REPRESENTATIONS AND WARRANTIES.

               SECTION 4.1.   GOOD STANDING; QUALIFIED TO DO BUSINESS.  The
Borrower (a) is duly organized, validly existing, and in good standing under the
laws of the State of its organization, (b) has the power and authority to own
its properties and assets and to transact the businesses in which it is
presently, or proposes to be, engaged, and (c) is duly qualified and authorized
to do business and is in good standing in every jurisdiction in which the
failure to be so qualified could have a Material Adverse Effect on (i) the
Borrower, (ii) the Borrower's ability to perform its obligations under the Loan
Documents, or (iii) the rights of the Lender hereunder.

               SECTION 4.2.   DUE EXECUTION, ETC.  The execution, delivery, and
performance by the Borrower of each of the Loan Documents to which it is a party
are within the powers of the Borrower, do not contravene the organizational
documents, if any, of the Borrower, and do not (a) violate any law or
regulation, or any order or decree of any court or governmental authority,
(b) conflict with or result in a breach of, or constitute a default under, any
material indenture, mortgage, or deed of trust or any material lease, agreement,
or other instrument binding on the Borrower or any of its properties, or
(c) require the consent, authorization by, or approval of or notice to or filing
or registration with any governmental authority or other Person.  This Agreement
is, and each of the other Loan Documents to which the Borrower is or will be a
party, when delivered hereunder or thereunder, will be, the legal, valid, and
binding obligation of the Borrower enforceable against the Borrower in
accordance with its terms, except as enforceability may be limited by
bankruptcy, insolvency, or similar laws affecting creditors' rights generally
and by general principles of equity.

               SECTION 4.3.   SOLVENCY; NO LIENS.  The Borrower is Solvent and
will be Solvent upon the completion of all transactions contemplated to occur
hereunder (including, without limitation, the Loan to be made on the Effective
Date); the security interests granted herein constitute and shall at all times
constitute the first and only liens on the Collateral other than Permitted
Liens; and the Borrower is, or will be at the time additional Collateral is
acquired by it, the absolute owner of the Collateral with full right to pledge,
sell, consign, transfer, and create a security interest therein, free and clear
of any and all claims or liens in favor of any other Person other than Permitted
Liens.

               SECTION 4.4.   NO JUDGMENTS, LITIGATION.  No judgments are
outstanding against the Borrower nor is there now pending or, to the best of the
Borrower's knowledge after diligent inquiry, threatened any litigation,
contested claim, or governmental proceeding by or against the Borrower except
judgments and pending or threatened litigation, contested claims, and
governmental proceedings which would not, in the aggregate, have a Material
Adverse Effect on the Borrower.

               SECTION 4.5.   NO DEFAULTS.  The Borrower is not in default or
has not received a notice of default under any material contract, lease, or
commitment to which it is a party or by which it is bound.

                                       5
<PAGE>

The Borrower knows of no dispute regarding any contract, lease, or commitment
which could have a Material Adverse Effect on the Borrower.

               SECTION 4.6.   COLLATERAL LOCATIONS.  On the date hereof, each
item of the Collateral is located at the place of business specified in the
applicable Schedule.

               SECTION 4.7.   NO EVENTS OF DEFAULT.  No Event of Default has
occurred and is continuing nor has any event occurred which, with the giving of
notice or the passage of time, or both, would constitute an Event of Default.

               SECTION 4.8.   NO LIMITATION ON LENDER'S RIGHTS.  Except as
permitted herein, none of the Collateral is subject to contractual obligations
that may restrict or inhibit the Lender's rights or abilities to sell or dispose
of the Collateral or any part thereof after the occurrence of an Event of
Default.

               SECTION 4.9.   PERFECTION AND PRIORITY OF SECURITY INTEREST.
This Agreement creates a valid and, upon completion of all required filings of
financing statements, perfected first priority security interest in the
Collateral, securing the payment of all the Obligations.

               SECTION 4.10.  MODEL AND SERIAL NUMBERS.  The Schedules set forth
the true and correct model number and serial number of each item of Equipment
that constitutes Collateral.

               SECTION 4.11.  ACCURACY AND COMPLETENESS OF INFORMATION.  All
data, reports, and information heretofore, contemporaneously, or hereafter
furnished by or on behalf of the Borrower in writing to the Lender or for
purposes of or in connection with this Agreement or any other Loan Document, or
any transaction contemplated hereby or thereby, are or will be true and accurate
in all material respects on the date as of which such data, reports, and
information are dated or certified and not incomplete by omitting to state any
material fact necessary to make such data, reports, and information not
misleading at such time.  There are no facts now known to the Borrower which
individually or in the aggregate would reasonably be expected to have a Material
Adverse Effect and which have not been specified herein, in the Financial
Statements, or in any certificate, opinion, or other written statement
previously furnished by the Borrower to the Lender.

               SECTION 4.12.  PRICE OF EQUIPMENT.  The cost of each item of
Equipment does not exceed the fair and usual price for such type of equipment
purchased in like quantity and reflects all discounts, rebates and allowances
for the Equipment (including, without limitation, discounts for advertising,
prompt payment, testing, or other services) given to the Borrower by the
manufacturer, supplier, or any other person.

          SECTION  5. COVENANTS OF THE BORROWER.

               SECTION 5.1.   EXISTENCE, ETC.  The Borrower shall:  (a) retain
its existence and its current yearly accounting cycle, (b) maintain in full
force and effect all licenses, bonds, franchises, leases, trademarks, patents,
contracts, and other rights necessary or desirable to the profitable conduct of
its business unless the failure to do so could not reasonably be expected to
have a Material Adverse Effect on the Borrower, (c) continue in, and limit its
operations to, the same general lines of business as those presently conducted
by it, and (d) comply with all applicable laws and regulations of any federal,
state, or local governmental authority, except for such laws and regulations the
violations of which would not, in the aggregate, have a Material Adverse Effect
on the Borrower.

               SECTION 5.2.   NOTICE TO THE LENDER.  As soon as possible, and in
any event within five days after the Borrower learns of the following, the
Borrower will give written notice to the Lender of (a) any proceeding instituted
or threatened to be instituted by or against the Borrower in any federal, state,
local, or foreign court or before any commission or other regulatory body
(federal, state, local, or foreign) involving a sum, together with the sum
involved in all other similar proceedings, in excess of $50,000 in the
aggregate, (b) any contract that is terminated or amended and which has had or
could reasonably be expected to have a Material Adverse Effect on the Borrower,
(c) the occurrence of any Material Adverse Change with respect to the Borrower,
and (d) the occurrence

                                       6
<PAGE>

of any Event of Default or event or condition which, with notice or lapse of
time or both, would constitute an Event of Default, together with a statement of
the action which the Borrower has taken or proposes to take with respect
thereto.

               SECTION  5.3.  MAINTENANCE OF BOOKS AND RECORDS.  The Borrower
will maintain books and records pertaining to the Collateral in such detail,
form, and scope as the Lender shall require in its commercially reasonable
judgment.  The Borrower agrees that the Lender or its agents may enter upon the
Borrower's premises at any time and from time to time during normal business
hours, and at any time upon the occurrence and continuance of an Event of
Default, for the purpose of inspecting the Collateral and any and all records
pertaining thereto.

               SECTION 5.4.   INSURANCE.  The Borrower will maintain insurance
on the Collateral under such policies of insurance, with such insurance
companies, in such amounts, and covering such risks as are at all times
reasonably satisfactory to the Lender.  All such policies shall be made payable
to the Lender, in case of loss, under a standard non-contributory "lender" or
"secured party" clause and are to contain such other provisions as the Lender
may reasonably require to protect the Lender's interests in the Collateral and
to any payments to be made under such policies.  Certificates of insurance
policies are to be delivered to the Lender, premium prepaid, with the loss
payable endorsement in the Lender's favor, and shall provide for not less than
thirty days' prior written notice to the Lender, of any alteration or
cancellation of coverage.  If the Borrower fails to maintain such insurance, the
Lender may arrange for (at the Borrower's expense and without any responsibility
on the Lender's part for) obtaining the insurance.  Unless the Lender shall
otherwise agree with the Borrower in writing, the Lender shall have the sole
right, in the name of the Lender or the Borrower, to file claims under any
insurance policies, to receive and give acquittance for any payments that may be
payable thereunder, and to execute any endorsements, receipts, releases,
assignments, reassignments, or other documents that may be necessary to effect
the collection, compromise, or settlement of any claims under any such insurance
policies.

               SECTION 5.5.   TAXES.  The Borrower will pay, when due, all
taxes, assessments, claims, and other charges ("Taxes") lawfully levied or
assessed against the Borrower or the Collateral other than taxes that are being
diligently contested in good faith by the Borrower by appropriate proceedings
promptly instituted and for which an adequate reserve is being maintained by the
Borrower in accordance with GAAP.  If any Taxes remain unpaid after the date
fixed for the payment thereof and such date is final and nonappealable, or if
any lien shall be claimed therefor, then, without notice to the Borrower, but on
the Borrower's behalf, the Lender may pay such Taxes, and the amount thereof
shall be included in the Obligations.

               SECTION 5.6.   BORROWER TO DEFEND COLLATERAL AGAINST CLAIMS; FEES
ON COLLATERAL.  The Borrower will defend the Collateral against all claims and
demands of all Persons at any time claiming the same or any interest therein.
The Borrower will not permit any notice creating or otherwise relating to liens
on the Collateral or any portion thereof to exist or be on file in any public
office other than Permitted Liens.  The Borrower shall promptly pay, when
payable, all transportation, storage, and warehousing charges and license fees,
registration fees, assessments, charges, permit fees, and taxes (municipal,
state, and federal) which may now or hereafter be imposed upon the ownership,
leasing, renting, possession, sale, or use of the Collateral, other than taxes
on or measured by the Lender's income and fees, assessments, charges, and taxes
which are being contested in good faith by appropriate proceedings diligently
conducted and with respect to which adequate reserves are maintained to the
extent required by GAAP.

               SECTION  5.7.  NO CHANGE OF LOCATION, STRUCTURE, OR IDENTITY.
The Borrower will not (a) change the location of its chief executive office or
establish any place of business other than those specified herein or (b) move or
permit the movement of any item of Collateral from the location specified in the
applicable Schedule, except that the Borrower may change its chief executive
office and keep Collateral at other locations within the United States provided
that the Borrower has delivered to the Lender (i) prior written notice thereof
and (ii) duly executed financing statements and other agreements and instruments
(all in form and substance satisfactory to the Lender) necessary or, in the
opinion of the Lender, desirable to perfect and maintain in favor of the Lender
a first priority security interest in the Collateral.  Notwithstanding anything
to the contrary in the immediately preceding sentence, the Borrower may keep any
Collateral consisting of motor vehicles or rolling stock at any

                                       7
<PAGE>

location in the United States provided that the Lender's security interest in
any such Collateral is conspicuously marked on the certificate of title thereof
and the Borrower has complied with the provisions of Section 5.9.

               SECTION 5.8.   USE OF COLLATERAL; LICENSES; REPAIR.  The
Collateral shall be operated by competent, qualified personnel in connection
with the Borrower's business purposes, for the purpose for which the Collateral
was designed and in accordance with applicable operating instructions, laws, and
government regulations, and the Borrower shall use every reasonable precaution
to prevent loss or damage to the Collateral from fire and other hazards.  The
Collateral shall not be used or operated for personal, family, or household
purposes.  The Borrower shall procure and maintain in effect all orders,
licenses, certificates, permits, approvals, and consents required by federal,
state, or local laws or by any governmental body, agency, or authority in
connection with the delivery, installation, use, and operation of the
Collateral.  The Borrower shall keep all of the Equipment in a satisfactory
state of repair and satisfactory operating condition in accordance with industry
standards, and will make all repairs and replacements when and where necessary
and practical.  The Borrower will not waste or destroy the Equipment or any part
thereof, and will not be negligent in the care or use thereof.  The Equipment
shall not be annexed or affixed to or become part of any realty without the
Lender's prior written consent.

               SECTION 5.9.   FURTHER ASSURANCES.  The Borrower will, promptly
upon request by the Lender, execute and deliver or use its best efforts to
obtain any document reasonably required by the Lender (including, without
limitation, warehouseman or processor disclaimers, mortgagee waivers, landlord
disclaimers, or subordination agreements with respect to the Obligations and the
Collateral), give any notices, execute and file any financing statements,
mortgages, or other documents (all in form and substance reasonably satisfactory
to the Lender), mark any chattel paper, deliver any chattel paper or instruments
to the Lender, and take any other actions that are necessary or, in the opinion
of the Lender, desirable to perfect or continue the perfection and the first
priority of the Lender's security interest in the Collateral, to protect the
Collateral against the rights, claims, or interests of any Persons, or to effect
the purposes of this Agreement.  The Borrower hereby authorizes the Lender to
file one or more financing or continuation statements, and amendments thereto,
relating to all or any part of the Collateral without the signature of the
Borrower where permitted by law.  A carbon, photographic, or other reproduction
of this Agreement or any financing statement covering the Collateral or any part
thereof shall be sufficient as a financing statement where permitted by law.  To
the extent required under this Agreement, the Borrower will pay all costs
incurred in connection with any of the foregoing.

               Section 5.10.  NO DISPOSITION OF COLLATERAL.  The Borrower will
not in any way hypothecate or create or permit to exist any lien, security
interest, charge, or encumbrance on or other interest in any of the Collateral,
except for the lien and security interest granted hereby and Permitted Liens,
and the Borrower will not sell, transfer, assign, pledge, collaterally assign,
exchange, or otherwise dispose of any of the Collateral.  In the event the
Collateral, or any part thereof, is sold, transferred, assigned, exchanged, or
otherwise disposed of in violation of these provisions, the security interest of
the Lender shall continue in such Collateral or part thereof notwithstanding
such sale, transfer, assignment, exchange, or other disposition, and the
Borrower will hold the proceeds thereof in a separate account for the benefit of
the Lender.  Following such a sale, the Borrower will transfer such proceeds to
the Lender in kind.

               SECTION 5.11.  NO LIMITATION ON LENDER'S RIGHTS.  Except as
permitted herein, the Borrower will not enter into any contractual obligations
which may restrict or inhibit the Lender's rights or ability to sell or
otherwise dispose of the Collateral or any part thereof.

               SECTION 5.12.  PROTECTION OF COLLATERAL.  Upon notice to the
Borrower (provided that if an Event of Default has occurred and is continuing
the Lender need not give any notice), the Lender shall have the right at any
time to make any payments and do any other acts the Lender may deem necessary to
protect its security interests in the Collateral, including, without limitation,
the rights to satisfy, purchase, contest, or compromise any encumbrance, charge,
or lien other than a Permitted Lien which, in the reasonable judgment of the
Lender, appears to be prior to or superior to the security interests granted
hereunder, and appear in, and defend any action or proceeding purporting to
affect its security interests in, or the value of, any of the Collateral.  The
Borrower hereby agrees to reimburse the Lender for all payments made and
expenses reasonably incurred under this Agreement including reasonable fees,
expenses, and disbursements of attorneys and paralegals (including the

                                       8
<PAGE>

allocated costs of in-house counsel) acting for the Lender, including any of the
foregoing payments under, or acts taken to protect its security interests in,
any of the Collateral, which amounts shall be secured under this Agreement, and
agrees it shall be bound by any payment made or act taken by the Lender
hereunder absent the Lender's gross negligence or willful misconduct. The Lender
shall have no obligation to make any of the foregoing payments or perform any of
the foregoing acts.

               SECTION 5.13.  DELIVERY OF ITEMS.  The Borrower will (a) promptly
(but in no event later than one Business Day) after its receipt thereof, deliver
to the Lender any documents or certificates of title issued with respect to any
property included in the Collateral, and any promissory notes, letters of credit
or instruments related to or otherwise in connection with any property included
in the Collateral, which in any such case come into the possession of the
Borrower, or shall cause the issuer thereof to deliver any of the same directly
to the Lender, in each case with any necessary endorsements in favor of the
Lender and (b) deliver to the Lender as soon as available copies of any and all
press releases and other similar communications issued by the Borrower.

               SECTION 5.14.  SOLVENCY.  The Borrower shall be and remain
Solvent at all times.

               SECTION 5.15.  FUNDAMENTAL CHANGES.  The Borrower shall not
(a) amend or modify its name, unless the Borrower delivers to the Lender thirty
days prior to any such proposed amendment or modification written notice of such
amendment or modification and within ten days before such amendment or
modification delivers executed Uniform Commercial Code financing statements (in
form and substance satisfactory to the Lender) or (b) merge or consolidate with
any other entity or make any material change in its capital structure, in each
case without the Lender's prior written consent which shall not be unreasonably
withheld.

               SECTION 5.16.  ADDITIONAL REQUIREMENTS.  The Borrower shall take
all such further actions and execute all such further documents and instruments
as the Lender may reasonably request.

          SECTION 6.  FINANCIAL STATEMENTS.  Until the payment and satisfaction
in full of all Obligations, the Borrower shall deliver to the Lender the
following financial information:

               SECTION 6.1.   ANNUAL FINANCIAL STATEMENTS.  As soon as
available, but not later than 120 days after the end of each fiscal year of the
Borrower and its consolidated subsidiaries, the consolidated balance sheet,
income statement, and statements of cash flows and shareholders equity for the
Borrower and its consolidated subsidiaries (the "Financial Statements") for such
year, reported on by independent certified public accountants without an adverse
qualification; and

               SECTION 6.2.   QUARTERLY FINANCIAL STATEMENTS.  As soon as
available, but not later than 60 days after the end of each of the first three
fiscal quarters in any fiscal year of the Borrower and its consolidated
subsidiaries, the Financial Statements for such fiscal quarter, together with a
certification duly executed by a responsible officer of the Borrower that such
Financial Statements have been prepared in accordance with GAAP and are fairly
stated in all material respects (subject to normal year-end audit adjustments).

          SECTION 7.  EVENTS OF DEFAULT.  The occurrence of any of the following
events shall constitute an Event of Default hereunder:

               (a)    the Borrower shall fail to pay within five days of when
due any amount required to be paid by the Borrower under or in connection with
any Note and this Agreement;

               (b)    any representation or warranty made or deemed made by the
Borrower under or in connection with any Loan Document or any Financial
Statement shall prove to have been false or incorrect in any material respect
when made;

               (c)    the Borrower shall fail to perform or observe (i) any of
the terms, covenants or agreements contained in Sections 5.4, 5.7, 5.10, 5.14,
or 5.15 hereof or (ii) any other term, covenant, or agreement contained in any
Loan Document (other than the other Events of Default specified in this Section
7) and such failure

                                       9
<PAGE>

remains unremedied for the earlier of fifteen days from (A) the date on which
the Lender has given the Borrower written notice of such failure and (B) the
date on which the Borrower knew or should have known of such failure;

               (d)    any provision of any Loan Document to which the Borrower
is a party shall for any reason cease to be valid and binding on the Borrower,
or the Borrower shall so state;

               (e)    dissolution, liquidation, winding up, or cessation of the
Borrower's business, failure of the Borrower generally to pay its debts as they
mature, admission in writing by the Borrower of its inability generally to pay
its debts as they mature, or calling of a meeting of the Borrower's creditors
for purposes of compromising any of the Borrower's debts;

               (f)    the commencement by or against the Borrower of any
bankruptcy, insolvency, arrangement, reorganization, receivership, or similar
proceedings under any federal or state law and, in the case of any such
involuntary proceeding, such proceeding remains undismissed or unstayed for
sixty days following the commencement thereof, or any action by the Borrower is
taken authorizing any such proceedings;

               (g)    an assignment for the benefit of creditors is made by the
Borrower, whether voluntary or involuntary, the appointment of a trustee,
custodian, receiver, or similar official for the Borrower or for any substantial
property of the Borrower, or any action by the Borrower authorizing any such
proceeding;

               (h)    the Borrower shall default in (i) the payment of principal
or interest on any indebtedness in excess of $50,000 (other than the
Obligations) beyond the period of grace, if any, provided in the instrument or
agreement under which such indebtedness was created; or (ii) the observance or
performance of any other agreement or condition relating to any such
indebtedness or contained in any instrument or agreement relating thereto, or
any other event shall occur or condition exist, the effect of which default or
other event or condition is to cause, or to permit the holder or holders of such
indebtedness to cause, with the giving of notice if required, such indebtedness
to become due prior to its stated maturity;

               (i)    the Borrower suffers or sustains a Material Adverse
Change;

               (j)    any tax lien, other than a Permitted Lien, is filed of
record against the Borrower and is not bonded or discharged within five Business
Days;

               (k)    any judgment which has had or could reasonably be expected
to have a Material Adverse Effect on the Borrower and such judgment shall not be
stayed, vacated, bonded, or discharged within sixty days;

               (l)    any material covenant, agreement, or obligation, as
determined in the sole discretion of the Lender, made by the Borrower and
contained in or evidenced by any of the Loan Documents shall cease to be
enforceable, or shall be determined to be unenforceable, in accordance with its
terms; the Borrower shall deny or disaffirm the Obligations under any of the
Loan Documents or any liens granted in connection therewith; or any liens
granted on any of the Collateral in favor of the Lender shall be determined to
be void, voidable, or invalid, or shall not be given the priority contemplated
by this Agreement; or

               (m)    there is a change in more than 35% of the ownership of any
equity interests of the Borrower on the date hereof or more than 35% of such
interests become subject to any contractual, judicial, or statutory lien,
charge, security interest, or encumbrance.

          SECTION 8.  REMEDIES.  If any Event of Default shall have occurred and
be continuing:

               (a)    The Lender may, without prejudice to any of its other
rights under any Loan Document or Applicable Law, declare all Obligations to be
immediately due and payable (except with respect to any Event of Default set
forth in Section 7(f) hereof, in which case all Obligations shall automatically
become immediately due and payable without necessity of any declaration) without
presentment, representation, demand of

                                       10
<PAGE>

payment, or protest, which are hereby expressly waived.

               (b)    The Lender may take possession of the Collateral and, for
that purpose may enter, with the aid and assistance of any person or persons,
any premises where the Collateral or any part hereof is, or may be placed, and
remove the same.

               (c)    The obligation of the Lender, if any, to make additional
Loans or financial accommodations of any kind to the Borrower shall immediately
terminate.

               (d)    The Lender may exercise in respect of the Collateral, in
addition to other rights and remedies provided for herein (or in any Loan
Document) or otherwise available to it, all the rights and remedies of a secured
party under the applicable Uniform Commercial Code (the "Code") whether or not
the Code applies to the affected Collateral and also may (i) require the
Borrower to, and the Borrower hereby agrees that it will at its expense and upon
request of the Lender forthwith, assemble all or part of the  Collateral as
directed by the Lender and make it available to the Lender at a place to be
designated by the Lender that is reasonably convenient to both parties and
(ii) without notice except as specified below, sell the Collateral or any part
thereof in one or more parcels at public or private sale, at any of the Lender's
offices or elsewhere, for cash, on credit, or for future delivery, and upon such
other terms as the Lender may deem commercially reasonable.  The Borrower agrees
that, to the extent notice of sale shall be required by law, at least ten days'
notice to the Borrower of the time and place of any public sale or the time
after which any private sale is to be made shall constitute reasonable
notification.  The Lender shall not be obligated to make any sale of Collateral
regardless of notice of sale having been given.  The Lender may adjourn any
public or private sale from time to time by announcement at the time and place
fixed therefor, and such sale may, without further notice, be made at the time
and place to which it was so adjourned.

               (e)    All cash proceeds received by the Lender in respect of any
sale of, collection from, or other realization upon all or any part of the
Collateral may, in the discretion of the Lender, be held by the Lender as
collateral for, or then or at any time thereafter applied in whole or in part by
the Lender against, all or any part of the Obligations in such order as the
Lender shall elect.  Any surplus of such cash or cash proceeds held by the
Lender and remaining after the full and final payment of all the Obligations
shall be paid over to the Borrower or to such other Person to which the Lender
may be required under applicable law, or directed by a court of competent
jurisdiction, to make payment of such surplus.

          SECTION 9.   MISCELLANEOUS PROVISIONS.

               SECTION 9.1.   NOTICES.  Except as otherwise provided herein, all
notices, approvals, consents, correspondence, or other communications required
or desired to be given hereunder shall be given in writing and shall be
delivered by overnight courier, hand delivery, or certified or registered mail,
postage prepaid, if to the Lender, then to Transamerica Technology Finance
Division, 76 Batterson Park Road, Farmington, Connecticut 06032, Attention:
Assistant Vice President, Lease Administration, with a copy to the Lender at
Riverway II, West Office Tower, 9399 West Higgins Road, Rosemont, Illinois
60018, Attention:  Legal Department, and if to the Borrower, then to Corillian
Corporation, 3601 SW Murray Boulevard, Suite 300, Beaverton, Oregon 97005,, or
such other address as shall be designated by the Borrower or the Lender to the
other party in accordance herewith.  All such notices and correspondence shall
be effective when received.

               SECTION  9.2.  HEADINGS.  The headings in this Agreement are for
purposes of reference only and shall not affect the meaning or construction of
any provision of this Agreement.

               SECTION 9.3.   ASSIGNMENTS.  The Borrower shall not have the
right to assign any Note or this Agreement or any interest therein unless the
Lender shall have given the Borrower prior written consent and the Borrower and
its assignee shall have delivered assignment documentation in form and substance
satisfactory to the Lender in its sole discretion.  The Lender may assign its
rights and delegate its obligations under any Note or this Agreement.

               SECTION 9.4.   AMENDMENTS, WAIVERS, AND CONSENTS.  Any amendment
or waiver

                                       11
<PAGE>

of any provision of this Agreement and any consent to any departure by the
Borrower from any provision of this Agreement shall be effective only by a
writing signed by the Lender and shall bind and benefit the Borrower and the
Lender and their respective successors and assigns, subject, in the case of the
Borrower, to the first sentence of Section 9.3.

               SECTION 9.5.   INTERPRETATION OF AGREEMENT.  Time is of the
essence in each provision of this Agreement of which time is an element.  All
terms not defined herein or in a Note shall have the meaning set forth in the
applicable Code, except where the context otherwise requires.  To the extent a
term or provision of this Agreement conflicts with any Note, or any term or
provision thereof, and is not dealt with herein with more specificity, this
Agreement shall control with respect to the subject matter of such term or
provision.  Acceptance of or acquiescence in a course of performance rendered
under this Agreement shall not be relevant in determining the meaning of this
Agreement even though the accepting or acquiescing party had knowledge of the
nature of the performance and opportunity for objection.

               SECTION 9.6.   CONTINUING SECURITY INTEREST.  This Agreement
shall create a continuing security interest in the Collateral and shall
(i) remain in full force and effect until the indefeasible payment in full of
the Obligations, (ii) be binding upon the Borrower and its successors and
assigns and (iii) inure, together with the rights and remedies of the Lender
hereunder, to the benefit of the Lender and its successors, transferees, and
assigns.

               SECTION 9.7.   REINSTATEMENT.  To the extent permitted by law,
this Agreement and the rights and powers granted to the Lender hereunder and
under the Loan Documents shall continue to be effective or be reinstated if at
any time any amount received by the Lender in respect of the Obligations is
rescinded or must otherwise be restored or returned by the Lender upon the
insolvency, bankruptcy, dissolution, liquidation, or reorganization of the
Borrower or upon the appointment of any receiver, intervenor, conservator,
trustee, or similar official for the Borrower or any substantial part of its
assets, or otherwise, all as though such payments had not been made.

               SECTION 9.8.   SURVIVAL OF PROVISIONS.  All representations,
warranties, and covenants of the Borrower contained herein shall survive the
execution and delivery of this Agreement, and shall terminate only upon the full
and final payment and performance by the Borrower of the Obligations secured
hereby.

               SECTION 9.9.   INDEMNIFICATION.  The Borrower agrees to indemnify
and hold harmless the Lender and its directors, officers, agents, employees, and
counsel from and against any and all costs, expenses, claims, or liability
incurred by the Lender or such Person hereunder and under any other Loan
Document or in connection herewith or therewith, unless such claim or liability
shall be due to willful misconduct or gross negligence on the part of the Lender
or such Person.

               SECTION 9.10.  COUNTERPARTS; TELECOPIED SIGNATURES.  This
Agreement may be executed in counterparts, each of which when so executed and
delivered shall be an original, but both of which shall together constitute one
and the same instrument.  This Agreement and each of the other Loan Documents
and any notices given in connection herewith or therewith may be executed and
delivered by telecopier or other facsimile transmission all with the same force
and effect as if the same was a fully executed and delivered original manual
counterpart.

               SECTION 9.11.  SEVERABILITY.  In case any provision in or
obligation under this Agreement or any Note or any other Loan Document shall be
invalid, illegal, or unenforceable in any jurisdiction, the validity, legality,
and enforceability of the remaining provisions or obligations, or of such
provision or obligation in any other jurisdiction, shall not in any way be
affected or impaired thereby.

               SECTION 9.12.  DELAYS; PARTIAL EXERCISE OF REMEDIES.  No delay or
omission of the Lender to exercise any right or remedy hereunder, whether before
or after the happening of any Event of Default, shall impair any such right or
shall operate as a waiver thereof or as a waiver of any such Event of Default.
No single or partial exercise by the Lender of any right or remedy shall
preclude any other or further exercise thereof,

                                       12
<PAGE>

or preclude any other right or remedy.

               SECTION 9.13.  ENTIRE AGREEMENT.  The Borrower and the Lender
agree that this Agreement, the Schedule hereto, and the Commitment Letter are
the complete and exclusive statement and agreement between the parties with
respect to the subject matter hereof, superseding all proposals and prior
agreements, oral or written, and all other communications between the parties
with respect to the subject matter hereof.  Should there exist any inconsistency
between the terms of the Commitment Letter and this Agreement, the terms of this
Agreement shall prevail.

               Section 9.14.  SETOFF.  In addition to and not in limitation of
all rights of offset that the Lender may have under Applicable Law, and whether
or not the Lender has made any demand or the Obligations of the Borrower have
matured, the Lender shall have the right to appropriate and apply to the payment
of the Obligations of the Borrower all deposits and other obligations then or
thereafter owing by the Lender to or for the credit or the account of the
Borrower.

               Section 9.15.  WAIVER OF JURY TRIAL.   THE BORROWER AND THE
LENDER IRREVOCABLY WAIVE ALL RIGHT TO TRIAL BY JURY IN ANY ACTION, PROCEEDING,
OR COUNTERCLAIM ARISING OUT OF OR RELATING TO THIS AGREEMENT, ANY OTHER LOAN
DOCUMENT, OR THE TRANSACTIONS CONTEMPLATED HEREBY OR THEREBY.

               Section 9.16.  GOVERNING LAW. THE VALIDITY, INTERPRETATION, AND
ENFORCEMENT OF THIS AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE
WITH THE LAWS OF THE STATE OF ILLINOIS WITHOUT GIVING EFFECT TO THE CONFLICT OF
LAW PRINCIPLES THEREOF.

               Section 9.17.  VENUE; SERVICE OF PROCESS.  ANY LEGAL ACTION OR
PROCEEDING WITH RESPECT TO THIS AGREEMENT OR ANY OTHER LOAN DOCUMENT MAY BE
BROUGHT IN THE COURTS OF THE STATE OF ILLINOIS SITUATED IN COOK COUNTY, OR OF
THE UNITED STATES OF AMERICA FOR THE NORTHERN DISTRICT OF ILLINOIS, AND, BY
EXECUTION AND DELIVERY OF THIS AGREEMENT, THE BORROWER HEREBY ACCEPTS FOR ITSELF
AND IN RESPECT OF ITS PROPERTY, GENERALLY AND UNCONDITIONALLY, THE JURISDICTION
OF THE AFORESAID COURTS.  THE BORROWER HEREBY IRREVOCABLY WAIVES, IN CONNECTION
WITH ANY SUCH ACTION OR PROCEEDING, ANY OBJECTION, INCLUDING, WITHOUT
LIMITATION, ANY OBJECTION TO THE LAYING OF VENUE OR BASED ON THE GROUNDS OF
FORUM NON CONVENIENS, THAT IT MAY NOW OR HEREAFTER HAVE TO THE BRINGING OF ANY
SUCH ACTION OR PROCEEDING IN SUCH RESPECTIVE JURISDICTIONS.  THE BORROWER
IRREVOCABLY CONSENTS TO THE SERVICE OF PROCESS OF ANY OF THE AFOREMENTIONED
COURTS IN ANY SUCH ACTION OR PROCEEDING BY THE MAILING OF COPIES THEREOF BY
REGISTERED OR CERTIFIED MAIL, POSTAGE PREPAID, TO THE BORROWER AT THE ADDRESS
FOR IT SPECIFIED IN SECTION 9.1 HEREOF.  NOTHING HEREIN SHALL AFFECT THE RIGHT
OF THE LENDER TO SERVE PROCESS IN ANY OTHER MANNER PERMITTED BY LAW OR TO
COMMENCE LEGAL PROCEEDINGS OR OTHERWISE PROCEED AGAINST THE BORROWER IN ANY
OTHER JURISDICTION, SUBJECT IN EACH INSTANCE TO THE PROVISIONS HEREOF WITH
RESPECT TO RIGHTS AND REMEDIES.

                                       13
<PAGE>

               IN WITNESS WHEREOF, the undersigned Borrower has caused this
Agreement to be duly executed and delivered by its proper and duly authorized
officer as of the date first set forth above.

                              CORILLIAN CORPORATION

                              By:
                                 ----------------------------------------
                                 Name:
                                 Title:
                              Federal Tax ID No.:

Accepted as of the
____ day of January, 2000

TRANSAMERICA BUSINESS CREDIT CORPORATION

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

Form16

                                       14
<PAGE>

                                   SCHEDULE A

                                       TO

                           LOAN AND SECURITY AGREEMENT

Other Places of Business and Locations of Collateral (Section 4.16):

Prior Names of Obligor (Section 4.7):

Prior Trade Names of Obligor (Section 4.7):

Existing Trade Names of Obligor (Section 4.7):

Federal Tax ID (Section 4.7):

                                       15
<PAGE>

                                   EXHIBIT A

               [LETTERHEAD OF TRANSAMERICA BUSINESS CREDIT]

October 19, 1999

Ms. Ann Muir
Controller
Corillian Corporation
3601 SW Murray Boulevard, Suite 300
Beaverton, OR 97005

Dear Ann:

Transamerica Business Credit Corporation - Technology Finance Division
("Lender") is pleased to offer financing for the Equipment described in this
letter (this "Commitment") to Corillian Corporation ("Borrower"). This
Commitment supersedes all prior correspondence, proposals, and oral or other
communications relating to financing arrangements between Borrower and Lender.

The outline of this offer is as follows:
<TABLE>
<S>                          <C>
LENDER:                      Transamerica Business Credit Corporation - Technology Finance Division
                             and/or its affiliates, successors or assigns.

BORROWER:                    Corillian Corporation

AMOUNT OF LOANS:             Not to exceed $3,000,000 in the aggregate. The first $1,000,000 will be made
                             available upon closing of the transaction described in this Commitment. The
                             remaining availability will be made available upon completion of the current
                             equity round (Series C) with net proceeds to the Borrower of not less than
                             $17,500,000.

USE OF PROCEEDS:             Various computer equipment, office equipment, software and leasehold
                             improvements (the "Equipment"). Up to 20% of this financing may be used
                             for software, leasehold improvements or other soft costs such as sales
                             tax, freight and installation expenses. Equipment purchased prior to May 1,
                             1999 will not be financed.

COLLATERAL:                  Lender will require a perfected first priority security interest in all Equipment
                             financed with the Loans, including but not limited to all additions, accessions,
                             improvements, replacements and attachments thereto and proceeds (including insurance
                             proceeds) thereof (the "Collateral").

LOCATION OF COLLATERAL:      Beaverton, OR

EXPECTED DRAW-DOWN           A minimum of $100,000 will be drawn on or before October 31, 1999 and the
SCHEDULE:                    remaining availability will be drawn on or before September 30, 2000.

DRAW-DOWN EXPIRATION:        No Loans will be funded after September 30, 2000.

<PAGE>
<S>                          <C>
LOAN TERM:                   Each Loan Term will commence upon delivery of the equipment or upon each delivery
                             of items of equipment having an aggregate cost of not less than $50,000, and will
                             continue through 36 months from the first day of the month next following or coincident
                             with commencement of that Loan Term.

PAYMENT TERMS:               Monthly Payments equal to 3.2128% of original principal amount of each Loan will be
                             payable monthly in advance. The first and last Monthly Payments will be due and payable
                             on or before commencement of each Loan Term.

                             Lender reserves the right to increase the rate set forth above as of the date
                             each Loan Term commences commensurate to the changes in the weekly average of the
                             interest rates of 3-year U.S. Treasury Securities (as published in the WALL STREET
                             JOURNAL) from the week ending September 10, 1999 (5.78%) to the week preceding the
                             commencement of that Loan Term. As of the date each Loan Term commences, the Monthly
                             Payment will be fixed for that entire Loan Term. A schedule of the actual Monthly Payments
                             will be provided by the Lender following commencement of each Loan Term.

BALLOON PAYMENT:             At the end of each Loan Term, the Borrower will be obligated to make one final Balloon
                             Payment equal to 10% of the original principal amount of each Loan, plus any other
                             amounts then due and owing to Lender.

INTERIM PAYMENT:             An Interim Payment will accrue from the date each Loan Term commences until the next
                             following first day of a month (unless the Loan Term commences on the first day of a
                             month). The Interim Payment will be calculated at the daily equivalent of the currently
                             adjusted Monthly Payment.

INSURANCE:                   Prior to any delivery of Equipment, the Borrower will furnish confirmation of insurance
                             acceptable to the Lender covering the Collateral including primary, all risk, physical
                             damage, property damage and bodily injury with appropriate loss payee and additional
                             insured endorsements in favor of the Lender.

CONDITIONS PRECEDENT         Each Loan will be subject to the following:
TO LENDING:                  1.  No material adverse change in the financial condition, operations or prospects
                                 of the Borrower prior to funding. The Lender reserves the right to rescind any
                                 unused portion of its commitment in the event of a material adverse change in the
                                 financial condition, operation or prospects of the Borrower.
                             2.  Completion of the documentation and final terms of the proposed financing satisfactory
                                 to Lender and Lender's counsel.
                             3.  Results of all due diligence, including lien, judgment and tax search and other matters
                                 Lender may request shall be satisfactory to Lender and Lender's counsel.
                             4.  Receipt by Lender of duly executed loan documentation in form and substance satisfactory
                                 to Lender and its counsel

                                                             2
<PAGE>
<S>                          <C>
                              5. Lender shall receive a valid and perfected first priority lien and security
                                 interest in the Collateral and Lender shall have received satisfactory
                                 evidence that there are no liens on the Collateral except as expressly permitted
                                 herein.

ADDITIONAL                    There will be no actual or threatened conflict with, or violation of, any regulatory
COVENANTS:                    statute, standard or rule relating to the Borrower, its present or future operations,
                              or the Collateral.

                              Borrower will be required to provide quarterly financial information. All information
                              supplied by the Borrower will be correct and will not omit any statement necessary to
                              make the information supplied not be misleading. There will be no material breach of the
                              representations and warranties of the Borrower in the loan.

EXPENSES:                     All costs and expenses incurred by the Lender in connection with the underwriting and
                              closing of the Loans will be paid by the Borrower whether or not any Loans are
                              consummated and funds are advanced by the Lender.

LAW:                          This letter and the proposed Loan are intended to be governed by and construed in
                              accordance with Illinois law without regard to its conflict of law provisions.

INDEMNITY:                     Borrower agrees to indemnify and to hold harmless Lender, and its officers, directors
                              and employees against all claims, damages, liabilities and expenses which may be
                              incurred by or asserted against any such person in connection with or arising out of
                              this letter and the transactions contemplated hereby, other than claims, damages,
                              liability, and expense resulting from such person's gross negligence or willful misconduct.

CONFIDENTIALITY:              This letter is delivered to you with the understanding that neither it nor its
                              substance shall be disclosed publicly or privately to any third person except those who are
                              in a confidential relationship to you (such as your legal counsel and accountants), or where
                              the same is required by law and then only on the basis that it not be further disclosed, which
                              conditions Borrower and its agents agree to be bound by upon acceptance of this letter.

                              Without limiting the generality of the foregoing, none of such persons shall use or
                              refer to Lender or to any affiliate name in any disclosures made in connection with any
                              of the transactions without Lender's prior written consent.

                              Upon completion of the initial takedown by Borrower, the Borrower will no longer be
                              required to obtain Lender's prior written consent to disclose the transaction
                              contemplated hereby. In addition, the Borrower agrees to provide camera ready artwork of
                              typestyles and logos of the Borrower for use in promotional material by the Lender.

CONDITIONS OF ACCEPTANCE:     This Commitment Letter is intended to be a summary of the most important

                                                             3
<PAGE>
<S>                          <C>
                              elements of the agreement to enter into a loan transaction with Borrower, and it is
                              subject to all requirements and conditions contained in Loan documentation proposed
                              by Lender or its counsel in the course of closing the Loans described herein. Not every
                              provision that imposes duties, obligations, burdens, or limitations on Borrower is contained
                              herein, but shall be contained in the final Loan documentation satisfactory to Lender and
                              its counsel.

                              EACH OF THE PARTIES HERETO IRREVOCABLY AND UNCONDITIONALLY WAIVES ALL RIGHT TO TRIAL BY
                              JURY IN ANY SUIT, ACTION, PROCEEDING OR COUNTERCLAIM ARISING OUT OF OR RELATED TO THIS
                              LETTER OR THE TRANSACTION DESCRIBED IN THIS LETTER.

APPLICATION FEE:              The $30,000 Application Fee previously paid by the Borrower will be first applied to the
                              reasonable costs and expenses of the Lender in connection with the transaction, and any
                              remainder shall be applied pro rata (based on the amount of each funding to the total
                              amount of this Commitment) to the second month's payment due under the Loan.

COMMITMENT EXPIRATION:        This Commitment shall expire on October 26, 1999 unless prior thereto either extended
                              in writing by the Lender or accepted as provided below by the Borrower.
</TABLE>

Should you have any questions, please call me. If you wish to accept this
Commitment, please so indicate by signing and returning the enclosed
duplicate copy of this letter to me by October 26, 1999.

                                          Yours truly,

                                          TRANSAMERICA BUSINESS CREDIT
                                          CORP - TECHNOLOGY FINANCE
                                          DIVISION

                                          By /s/ Gerald A. Michaud
                                             ---------------------------
                                             Gerald A. Michaud
                                             Senior Vice President - Marketing

Accepted this ___ day of October, 1999.

CORILLIAN CORPORATION

By /s/ Ted Spooner
   ----------------------------
Name:  Ted Spooner
Title: Chairman and CEO

                                           4

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00000-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00000-of-00352.parquet"}]]