Document:

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                                                                   Exhibit 10.13

                MARKETING AND ADMINISTRATIVE SERVICES AGREEMENT

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

                                  WITNESSETH:

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

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

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

          1.  DEFINITIONS

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

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

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

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

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

***Confidential treatment has been requested with respect to the information
contained within the "[***]" markings.  Such marked portions have been omitted
from this filing and have been filed separately with the Securities and Exchange
Commission.
<PAGE>

              (f) "Prospect" means any Customer for whom Chase has provided to
Aegis the information necessary for solicitation to sign up for the Program.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

                                       3
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Chase, within 5 business days, if Aegis is unable to debit any account and
thereafter arrange for subsequent debit.

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

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

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

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

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

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

                                       4
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a manner which complies with the applicable laws, rules, regulations, guidelines
and/or requirements of any regulatory agency, investor, or any party which has
insured or guaranteed an interest in the Rescheduled Loan Aegis shall provide
Chase with copies of all account reconciliations on a monthly basis, by the
twentieth (20th) day of each month.

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

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

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

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

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

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

                                       5
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              (b) New Customer Information. Deliver monthly to Aegis all loan
information regarding newly originated or new servicing loan customers
identified by Chase and necessary for Solicitation of such Customers.

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

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

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

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

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

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

                                       6
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          9.  NON-EXCLUSIVE AGREEMENT. Nothing in this Agreement shall prevent
Aegis from performing any services described above for other entities, during or
after the term of this Agreement. In addition, nothing in this Agreement shall
prevent Chase from receiving any services described above from other entities,
during or after the term of this Agreement, provided that Aegis shall be the
exclusive provider of the services described in this Agreement for loans for
which, as of the Effective Date, the servicing rights are owned by Chase, and
for which Chase, or its affiliate directly performs the servicing duties.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

         26.  ESCROW AGREEMENT.

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

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

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

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

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<PAGE>

         27.  COSTS AND EXPENSES.

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

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

                               CHASE MORTGAGE SERVICES, INC.

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

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

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

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

                               AEGIS MORTGAGE ACCELERATION CORP.

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

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

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

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

                                       12
<PAGE>

                                   Exhibit A

                                Specifications

                              (To Be Determined)

<PAGE>

                        CONFIDENTIAL TREATMENT REQUEST

                                                                   Exhibit 10.13

                                   Exhibit B

                                 Fee Structure

<TABLE>
<CAPTION>

                                        $[***] Offer                            $[***] Offer
                                        ------------                            ------------
<S>                                      <C>                                     <C>
Fees from Subscribers:
---------------------

Discounted Enrollment Fee                  $[***]                                  [***]

Deferred Enrollment Fee                    $[***]                                  [***]

Program                               $[***] weekly debit                    $[***] weekly debit

                                    $[***] bi-weekly debit                 $[***] bi-weekly debit

                                   $[***] semi-monthly debit              $[***] semi-monthly debit

                                     $[***] monthly debit                   $[***] monthly debit

Fees to Chase:
-------------

Enrollment Fee (first offers)              $[***]                                  [***]

Enrollment Fee (re-mailings)               $[***]                                  [***]

Monthly Program Fee                        $[***]                                 $[***]
</TABLE>

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

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

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

<PAGE>

            Amendment to Client Agreement, Exhibit B: Fee Schedule

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

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

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

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

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

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

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

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

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

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

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

<PAGE>

                                   Exhibit C

                          Relating to Marketing Plan

Aegis responsibilities include:

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

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

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

          .  Printing off-set materials.

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

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

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

          .  Providing effective follow-up to all Customer inquiries.

          .  Providing monthly reporting of marketing results.

Chase responsibilities include:

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

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

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

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

<PAGE>

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

                                      C-2<PAGE>

                                                                   Exhibit 10.15

                             Bank One, Springfield
                      Automated Clearing House Agreement

     This Automated Clearing House Agreement ("Agreement"), including Schedules
A, B and C attached hereto and incorporated herein by reference is made by and
between Aegis Mortgage Acceleration Corporation, San Francisco, California
("Company") and Bank One, Springfield, Springfield, Illinois ("Bank One").

                                  Witnesseth
                                  ----------

     WHEREAS, Company wishes to initiate Entries via the automated clearing
house pursuant to the terms of the Agreement and the rules of the National
Automated Clearing House Association, local or regional clearinghouse rules, and
applicable federal and state laws, regulations, and rules (together referred to
as "Rules"); and

     WHEREAS, Bank One desires to receive Company's instructions and is willing
to act as Company's Originating Depository Financial Institution with respect to
such Entries;

     NOW, THEREFORE, in consideration of the promises and of the mutual
covenants and agreements herein contained and other good and valuable
consideration, receipt of which is hereby acknowledged, the parties, intending
to be legally bound, hereby commit and agree as follows:

     1.   Definitions.  Unless otherwise defined herein, capitalized terms
          -----------
shall have the meanings provided in the Rules and the Illinois Commercial Code
Chapter 810, Act 5, Article 4A. The term "Entries" shall have the meaning
provided in the Rules and shall also mean the data received from Company
hereunder from which Bank One prepares Entries.

     2.   Term.  This Agreement shall have an initial term of two years
          ----
commencing on October 1, 1994 and terminating on September 30, 1996.

     3.   Services.  The Company will deliver to Bank One certain data
          --------
concerning debits or credits to accounts of its customers or employees (the
"Data"), as agreed upon by Bank One and Company. Bank One will provide all the
services to Company as detailed in Schedule A attached (the "Services"). Company
agrees to cooperate as required in said documents.

     4.   Fees.  As compensation for the Services, Company agrees to pay the
          ----
fees in the amount(s) and at the time(s) set forth in Schedule C delivered from
time to time to the Company.

***Confidential treatment has been requested with respect to the information
contained within the "[***]" markings.  Such marked portions have been omitted
from this filing and have been filed separately with the Securities and Exchange
Commission.
<PAGE>

     5.   Compliance with Security Procedures.  If an Entry received by Bank One
          -----------------------------------
purports to have been transmitted or authorized by Company, it will be deemed
effective as Company's Entry and Customer shall be obligated to pay Bank One the
amount of such Entry as provided herein notwithstanding whether the Entry was
not in fact initiated and authorized by Company, provided Bank One acted in
compliance with Schedule B (the Security Procedures) with respect to such Entry.

     6.   Settlement.  In originating Credit Entries, Company shall pay Bank
          ----------
One the amount of each Entry transmitted by Bank One pursuant to this Agreement
at such time on the Settlement Date with respect to such Entry as Bank One, in
its discretion, may determine, and the amount of each On-Us Entry at such time
on the Effective Entry Date of such Entry as Bank One, in its discretion, may
determine.

     Company will receive provisional credit in immediately available funds on
the relevant Settlement Date for each Debit Entry originated by it, subject to
final payment of such Debit Entry. If a Debit Entry originated by Company is
dishonored or returned, Company shall promptly provide to Bank One in available
funds the amount of such Debit Entry.

     Notwithstanding the foregoing, however, Bank One has the right at any time
to require Company to pay Bank One the amount of each Credit Entry transmitted
by Bank One on the date of the transmission by Bank One of such Entry at such
time as Bank One may require in its sole discretion. In addition, Bank One shall
have right at any time to place a percentage of the provisional or final credit
provided to Company for each Debit Entry originated by it in Escrow for a period
of 60 days.

     7.   Inconsistency of Name and Account Numbers.  Company acknowledges and
          -----------------------------------------
agrees that, if an Entry describes the Receiver inconsistently by name and
account number, payment of the Entry transmitted by Bank One to the Receiving
Depository Financial Institution might be made by the Receiving Depository
Financial Institution on the basis of the account number even if it identifies a
person different from the named Receiver, and that Customer's obligation to pay
the amount of the Entry to Bank One is not excused in such circumstances.

     8.   Customer Representations and Agreements.  Company represents to Bank
          ---------------------------------------
One and agrees that (a) each party shown as the Receiver on an Entry received by
Bank One from Company has authorized the initiation and posting of such Entry to
its account in the amount and on the Effective Entry Date shown on such Entry,
(b) such authorization is operative at the time of transmittal or crediting by
Bank One as provided herein, (c) Entries transmitted to Bank One by Company are
limited to those types of Entries set forth in Schedule A, (d) Company shall
perform its obligations under this Agreement in accordance with all applicable
laws and regulations, and (e) Company shall be bound and comply with the Rules
as in effect from time to time, including without limitation the provision
thereof making payment of an Entry by the Receiving Depository

                                      -2-
<PAGE>

Financial Institution to the Receiver provisional until receipt by the Receiving
Depository Financial Institution of final settlement for such Entry; and
specifically acknowledges that it has received notices of that Rule and of the
fact that if such settlement is not received the Receiving Depository Financial
Institution shall be entitled to a refund from the Receiver of the amount
credited and Company shall not be deemed to have paid the Receiver the amount of
the Entry.

     For any other claim by the Company, Bank One shall only be liable (within
the other limits contained in this Agreement) for gross negligence or willful
misconduct. In no event shall Bank One be directly liable to any of the
Company's customers or employees or to any other party. In no event shall Bank
One's aggregate liability to the Company, its customers and employees, and any
other parties under this Agreement or as a result of providing the Services or
the Software License exceed the actual loss suffered by Company.

     9.   Indemnification.  The Company agrees to indemnify and hold Bank One
          ---------------
harmless from all liabilities, losses, costs and expenses (including reasonable
attorney's fees) incurred by Bank One and caused by, or arising out of, (a) any
breach by the Company of any of its warranties, covenants, or representations
herein or any provision of this Agreement or any agreement by the Company with
any employee/customer with respect to any electronic or paper debit or credit,
(b) any failure by the Company to comply with any applicable Rules in relating
to the Data of the Services, and (c) any claim against Bank One by any person or
company in excess of the limitations of liability set forth in Paragraph 9 above
and caused by or arising out of provision of the Services or the Software
License.

     10.  Software License.  If the Company requests the use of or receives any
          ----------------
software offered by Bank One, then the Company covenants and agrees to the
following (the "Software License"):

          a.   Bank One grants to the Company and the Company accepts a
nontransferable and nonexclusive license to use the computer software and
related documentation offered to and paid for by the Company, including without
limitation, the MERET(R) PC Software (all such software, documentation and
manuals referred to as "the Software").

          b.   The Company acknowledges that Bank One (or another company as
disclosed on the Software) is the owner and licensor of the copyrights to the
Software and that such Software is proprietary and confidential information of
Bank One (or such other company).

          c.   The Company may add information to the Software, provided that
upon discontinuance or termination of the Agreement, the added information will
be

                                      -3-
<PAGE>

removed from the Software. Upon termination of this Agreement, all copies of the
Software will be returned to Bank One.

          d.   The Company will make no copies other than one, as necessary, of
each item of software, and each copy will contain all legends and notices and
will be subject to the same restrictions as the original. The Company will not
transfer or sublicense the Software to any other party.

          e.   As to any Software which is, or in the opinion of Bank One, may
become subject to a claim of infringement or misappropriation, Bank One may
elect in its sole discretion to (i) obtain the right of continued use of the
Software for the Company, (ii) replace or modify the Software to avoid such
claim, or (iii) terminate the Software License. If the Software License is
terminated under this Paragraph 11(e)(iii), no further charges will accrue.

     11.  Confidentiality Agreement.  The Company and Bank One mutually agree
          -------------------------
that each will refrain from knowingly using proprietary information received
from the other party in connection with provision of the Services or the
Software License, and to prevent dissemination to third parties, each party will
exercise the same degree of care as it employs for protection of its own
proprietary information. No obligation will exist under this Agreement with
respect to an item of information (1) known to the recipient prior to receipt
from the other party; (2) after substantially the same information is published
or made available to the general public through no act or failure to act on the
part of the recipient or (3) after substantially the same information becomes
available to the recipient from a third party having no obligation to hold such
information in confidence. Each party will inform its employees of their
obligations under this paragraph and instruct them so as to ensure that such
obligations are met.

     12.  The Account.  Bank One may without prior notice or demand obtain
          -----------
payment of any amount due and payable to it under this Agreement by debiting the
Company's account(s) located at Bank One (the "Account"), and shall post a
credit to the Account for the amount received by Bank One by reason of the
return of an Entry transmitted by Bank One for which Bank One has previously
received payment from Company. Such settlement shall be made as of the day of
such receipt by Bank One. Company shall at all times maintain a balance of
available funds in the Account sufficient to cover its payment obligations under
this Agreement. In the event there are insufficient funds available in the
Account to cover Company's obligations under this Agreement, Company agrees that
Bank One may debit any account maintained by Company with Bank One or any
affiliate of Bank One or that Bank One may set off against any amount it owes to
Company, in order to obtain payment of Company's obligations under this
Agreement.

     13.  Account Reconciliation.  Entries transmitted by Bank One will be
          ----------------------
reflected on Company's periodic statement issued by Bank One with respect to the
Account.

                                      -4-
<PAGE>

Company agrees to notify Bank One promptly of any discrepancy between Company's
records and the information shown on any such periodic statement. If Company
fails to notify Bank One of any such discrepancy within thirty (30) days of
receipt of a periodic statement containing such information, Company agrees that
Bank One shall not be liable for any other losses resulting from Company's
failure to give such notice or any loss of interest with respect to an Entry
shown on such periodic statement. If Company fails to notify Bank One of any
such discrepancy within sixty (60) days of receipt of such periodic statement,
Company shall be precluded from asserting such discrepancy against Bank One.

     14.  Notices, Instructions, Etc.  (a) Except as otherwise provided herein,
          --------------------------
Bank One shall not be required to act upon any notice or instruction received
from Company or any other person or to provide any notice or advice to Customer
or any other person with respect to any matter, (b) Bank One shall be entitled
to rely on any written notice or other written communication believed by it in
good faith to be genuine and to have been signed by an Authorized Representative
of Company, and any such communication shall be deemed to have been signed by
such person. Company will provide a list of authorized signers to Bank One.
Company may add or delete any Authorized Representative by written notice to
Bank One signed by an officer of the Company authorized pursuant to Board
Resolutions to do so. Such notices shall be effective on the second business day
following the day Bank One's receipt thereof, and (c) except as otherwise
provided herein, any written notice or other written communication required or
permitted to be given under this Agreement shall be delivered or sent by United
States registered or certified mail, postage prepaid, or by express carrier, and
if to Bank One, addressed to:

          Bank One, Springfield
          Attn:  Vice President, Corporate Cash Management
          East Old State Capitol Plaza
          Springfield, IL  62701

and if to Company, addressed to their business address on file with Bank One
unless another address is substituted by notice delivered or sent as provided
herein. Except as otherwise expressly provided herein, any such notice shall be
deemed given when received.

     15.  Authorization.  The Company warrants and represents that there are no
          -------------
provisions of any law, whether federal, state or local, or any certificate of
incorporation, bylaw, or agreement of any kind, nature, or description binding
upon the Company which prohibits the Company from entering into this Agreement,
and that the Company's performance of this Agreement has been duly authorized
and is a binding obligation of the Company.

                                      -5-
<PAGE>

     16.  Financial Information.  Company agrees to furnish to Bank One within
          ---------------------
30 days of Bank One's written request to do so, financial information of Company
as Bank One may reasonably request.

     17.  Banking Day.  Company agrees that if any day scheduled for delivery or
          -----------
pickup of Entries is not a "banking day," such pickup or delivery shall be made
on an alternative date to be mutually agreed upon by the Company and Bank One.
For purposes of this Agreement, a "banking day" is a day on which Bank One and
the Federal Reserve Bank are open for carrying on substantially all of its
business (other than a Saturday or Sunday).

     18.  Record of Telephone Requests.  Bank One may, at its election,
          ----------------------------
electronically record all telephone requests received from Company by Bank One.
In the event Bank One does record such requests, it will retain the recording
for a period of 45 days.

     19.  Use of Name.  Company agrees not to use in any of its advertising or
          -----------
promotional activities, the names "MERET(R)," "MERET(R) PC," "Bank One,
Springfield," "BANC ONE CORPORATION" or any other name designated by Bank One as
proprietary without first obtaining the written consent of Bank One.

     20.  Renewal; Termination.  This Agreement shall be automatically
          --------------------
extended for successive one-year periods after the expiration of the initial
term unless the Company notifies Bank One or Bank One notifies the Company of
its intent to terminate the Agreement at least 90 days prior to the end of the
initial term or any one-year extension. Fee Schedules may be adjusted at the end
of the initial term or any extension thereafter. Within thirty (30) days of
being informed of any price increase, Company may elect to cancel this Agreement
by notifying Bank One in writing of its intent to cancel. Such cancellation will
take effect ninety (90) days after Bank One receives the Company's written
notification. The obligations of Company under the following paragraphs will
survive any termination or expiration of this Agreement: Paragraphs 9, 10, 11,
12 and 19.

     21.  Construction; Applicable Law.  This Agreement will be governed and
          ----------------------------
construed in accordance with the laws of the State of Illinois. Paragraph
headings are for convenience only and shall not influence the construction or
interpretation of this Agreement.

     22.  Binding Agreement; Benefit.  This Agreement shall be binding upon
          --------------------------
and inure to the benefit of the parties hereto and their respective legal
representatives, successors, and assigns. this Agreement is not for the benefit
of any other person, and no other person shall have any right against Bank One
or Company hereunder.

                                      -6-
<PAGE>

     23.  Assignment.  This Agreement shall not be assigned or otherwise
          ----------
transferred by the Company to any other person, corporation, or other entity
without Bank One's prior written consent.

     This Agreement will become effective and binding upon the parties upon the
date of approval and execution of this Agreement by Bank One, Springfield.

Aegis Mortgage Acceleration Corporation                 Bank One, Springfield

By:  /s/ CRAIG M. COMPIANO                              By:  /s/ [ILLEGIBLE]
     --------------------------------                        -------------------

Its: VICE PRESIDENT                                     Its:  Vice President
     --------------------------------                        -------------------

Date: 9/20/94                                           Date: 9/26/94
     --------------------------------                         ------------------

                                      -7-
<PAGE>

                                  SCHEDULE A
                                  ----------

                                   SERVICES
                                   --------

     Bank One's MERET(R) System will provide Company with an automated mechanism
to collect mortgage payments from participants in Company's Equity Accelerator
Program. Bank One will perform the following services for Company at the rates
listed on Schedule C attached and Company will assist Bank One by doing those
things stated in #1 and #2 below:

     1.   Company will create computer files containing the appropriate debit
          transaction information. The format of this file will be mutually
          agreed upon between Bank One and Company.

     2.   Company will make available to Bank One by data transmission, the
          computer file referred to in #1 above.

     3.   Bank One will process the information contained on the computer file
          through its MERET System.

     4.   On the effective date supplied by Company, all participant's accounts
          will be debited and Company's account at Bank One will be credited for
          the total amount of the debits.

     5.   Bank One will supply Company with reports showing a complete audit
          trail of all transactions.

     6.   Bank One will resubmit one time any item that is returned for
          insufficient or uncollected funds. Items returned for any other
          reason, or returned for insufficient or uncollected funds a second
          time, will be forwarded to Company via data transmission.

     7.   Company and Bank One will mutually establish procedures to transfer
          payments to respective mortgage payments.

     8.   For additional fees described in Schedule C, Bank One agrees to
          develop and maintain a special "Process Control System" (PCS) to be
          used by Company and certain of its mortgage customers to add an
          additional level of security to the ACH processing environment

          The PCS will help validate the integrity of transaction information
          provided by Company on behalf of its mortgage company customers. Bank
          One will develop and maintain a master file containing appropriate
          information about each participant. Each debit transaction record
          received by Bank One
<PAGE>

          will be compared to this master file to ensure that either the
          participant has a corresponding record in the master file or does not
          have a corresponding record n the master file, depending upon whether
          the individual mortgage company utilizes the PCS.

          More detailed specifications for the PCS are contained in separate
          written correspondence between Company and Bank One.

                                      -2-
<PAGE>

                                  SCHEDULE B
                                  ----------

                           AUTOMATED CLEARING HOUSE
                           ------------------------

                              SECURITY PROCEDURES
                              -------------------

1.   Schedules.
     ---------

     Company shall provide to Bank One a schedule of all dates that Customer
     anticipates it will originate Entries within 15 business days from the date
     of this Agreement for the remaining calendar year and by December 15 of
     each year for the following calendar year. Bank One will provide a list of
     "nonbanking days" for the current year within 15 business days from the
     date of this Agreement and by December 15 of each year for the following
     calendar year. Periodic updates to these schedules will be accepted in
     writing from the other party.

     If Bank One has not received Entries from Company on scheduled delivery
     dates and times, Bank One may contact Company for additional information on
     the status of the Entries. It shall be within Bank One's sole discretion to
     accept Entries which are not received on the scheduled delivery date and
     time. If Bank One does choose to accept such Entries, it may require a call
     back to verify the contents of the Entries received. If Bank One cannot
     obtain such verification, it is under no obligation to process the Entries.

2.   Notification.
     ------------

     If Entries are sent to Bank One by magnetic tape or other media, Company
     will provide a transmittal from detailing the number of Entries and total
     dollars contained in each file and deliver this transmittal with the tape
     and other media. This transmittal must be signed by an authorized
     representative of Company.

     If Entries are sent to Bank One through electronic transmission, Company
     will contact Bank One and provide the number of Entries and total dollars
     contained in each file of the transmission. If mutually agreed upon,
     Company can transmit this information in a separate computer file.

     If Company does not provide Bank One with this information, Bank One will
     attempt to contact Company for this information. If Bank One is unable to
     obtain this information, Bank One may elect not to process this file until
     confirmation is received.
<PAGE>

3.   Limits.
     ------

     Bank One may set a maximum dollar limit on each Entry contained within a
     file of Entries or may set a maximum dollar limit on any particular file of
     Entries sent to Bank One on any business day. If either the file or Entry
     exceeds the designated dollar limit, Bank One may elect not to process this
     file.

4.   Security Codes.
     --------------

     Bank One may elect to establish a unique security code which shall be
     assigned to Company exclusively and shall be used to establish
     authentication for Entries sent to Bank One by Company according to the
     conditions set forth in Section 5 of the Agreement. For each batch or file
     of Entries sent by Company, Company shall supply Bank One with this unique
     security code as well as the information set forth in Section 2 of this
     Schedule B. Company may be requested to provide dial back numbers in order
     to initiate electronic transmission of files.

     When sending Entries by electronic transmission, Company must provide the
     necessary codes as determined by Bank One's data processing security system
     in order to establish the necessary communication link.

                                      -2-
<PAGE>

                                  SCHEDULE C
                                  ----------

                          TRANSACTION PROCESSING FEES
                          ---------------------------

<TABLE>
<CAPTION>
                                                                 Up To          Up To          Up To          Up To
                                                                 2,000         10,000         50,000         100,000
                                                                 Items          Items          Items          Items
                                                                 ----           ----           ----           ----
<S>                                                              <C>            <C>            <C>            <C>
Electronic Transactions
     Bank One "On-Us" Items                                     $[***]          $[***]         $[***]         $[***]
     ACH Intraregional                                           [***]           [***]          [***]          [***]
     ACH Intraregional                                           [***]           [***]          [***]          [***]
Paper Drafts
     Per Draft Printed                                           [***]           [***]          [***]          [***]
     Per Draft Cleared                                           [***]           [***]          [***]          [***]
Returned Items
     Resubmitted                                                 [***]           [***]          [***]          [***]
     Returned                                                    [***]           [***]          [***]          [***]

Miscellaneous Fees
-------------------

     Incoming Wire Transfers                                                                   $[***]
     Outgoing Wire Transfers                                                                    [***]
     Checking Account Monthly Maintenance Fee                                                   [***]
     Per Deposit to Settlement Accounts                                                         [***]
     Per Debit to Settlement Accounts                                                           [***]
     PC-Based Balance Reporting (Per Month Per Account)                                         [***]
     Minimum Charge Per Computer File Processed                                                 [***]
     Minimum Charge Per Month                                                                   [***]
     Microfiche Copies of Reports
          Per Original                                                                          [***]
          Per Copy                                                                              [***]
</TABLE>

Wire Transfer, Account Maintenance, and Settlement Account Fees, along with the
PC-Based Reporting System are standard charges of Bank One and applicable to all
bank customers. These fees are subject to change.

Data Transmission
-----------------

All charges related to transmission of information between our companies will be
passed through to Company.

Balance Requirements
--------------------

Bank One reserves the right to require Company to leave a minimum of [***]%
of all funds collected on deposit at Bank One, Springfield for 30 calendar days
from the settlement date. Should Company not be able to leave adequate funds on
deposit, Company must establish a line of credit with Bank One to meet this
requirement.

Payment Information
-------------------

Bank One will provide Company with a monthly statement detailing all charges.
The total amount is due and payable within [***] days from receipt of the
Statement.

Process Control System
----------------------

Bank One will develop and maintain a special "Process Control System" (PCS) for
Company. Initial development charges will be $[***]. [***]% of this fee will be
paid upon agreement of Company and Bank One of final PCS specifications. The
remaining [***]% will be due upon implementation of the PCS. Costs for
additional system changes to the PCS will be mutually agreed upon between
Company and Bank One.

In addition to the development costs, the following monthly operational costs
will apply to the PCS:

     Base Fee (Per Month)                                   $[***]

     Per ACH Transaction Processed:

          Transaction Volume Less Than  10,000 Items        $[***]
          Transaction Volume Less Than  50,000 Items        $[***]
          Transaction Volume Less Than 100,000 Items        $[***]

The "Per ACH Transaction" charge will apply to all transactions submitted by
AEGIS and will be in addition to the Transaction Processing Fees described
above. Monthly processing costs will begin on the first day of the calendar
month following project implementation. Any charges for terminals or charges
associated with data transmission will be passed through to Aegis.

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

[***]

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

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