Document:

EXECUTION VERSION

                    AGREEMENT FOR PURCHASE AND SALE OF ASSETS

                                    Between

                            SIVAULT ANALYTICS, INC.

                                      and

                                 @POS.COM, INC.

                        Date of Agreement: March 2, 2004

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                                                               EXECUTION VERSION

                    AGREEMENT FOR PURCHASE AND SALE OF ASSETS

THIS  AGREEMENT  FOR  PURCHASE  AND  SALE  OF  ASSETS  (this  "Agreement"),
                                                               ---------
dated  as  of  March 2, 2004 (the "Effective Date"),is entered into by and among
                                   --------------
SiVault Analytics, Inc. ("Buyer"), a Delaware corporation with a principal place
                          -----
of  business  at  2033  Gateway Place, Suite 500, San Jose, California 95110 and
@POS.com,  Inc.,  ("@POS")  a  Delaware  corporation,  with a principal place of
                    ----
business  at  3051  North  First  Street,  San  Jose,  California  ("Seller").
                                                                     ------

RECITALS
--------
A.  Seller  is  engaged  in  the business of providing secure mobile information
systems  that  integrate  application-specific hand-held computers with wireless
networks  for  data,  voice  and  bar  code  data  capture;

B.  Seller  desires to sell, and Buyer desires to purchase, substantially all of
the  assets of Seller related to that division of Seller's business known as the
Crossvue Business (as defined below), for the consideration and on the terms set
forth  in  this  Agreement.

NOW,  THEREFORE, in consideration of the promises and mutual covenants contained
in  this  Agreement,  the  parties  agree  as  follows:

                                    AGREEMENT
                                    ---------

1.  Definitions.  For  purposes  of this Agreement, the following terms have the
meanings  set  forth  in  this  Section  1.

1.1.  "Assets"  means:

(a)  The  specific  tangible  and  intangible  assets  set  forth  on schedule 1
                                                                      ----------

(b)  All  miscellaneous  hardware  and  tangible  items  (manuals) that are used
exclusively with the tangible assets set forth on $jj Or used exclusively in the
Crossvue  Business,  (These  items  are  not  separatel.y listed for the sake of
brevity);  and

(c)  All  goodwill  associated  with  the  foregoing  assets.

1.2.  'Books and Records" means all files, documents, instruments, papers, books
and  records.

1.3.  'Closing"  means  the  closing of the sale and transfer of the Assets from
seller  to  Buyer.

1.4. 'Closing Date" means March 17, 2004, or such other date as Buyer and Seller
may  agree  in  writing.

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1.5.  "Copyrights"  means  all  worldwide copyright rights (including common law
rights)  owned  or  controlled  by one of the parties, as appropriate, including
rights  to  reproduce and all registrations and applications for registrations
therefore.

1.6.  "Crossvue  Business"  means  that  certain  portion  of Seller's business
conducted  through  its  wholly  owned  subsidiary  Crossvue, Inc. ("Crossvue"),
related to capturing sales receipt transaction data for the purpose of providing
access  to  such  sales  receipt  transaction  data  as  an  application service
provider,  except  as  otherwise  set  forth in this Agreement and the Schedules
hereto.

1.7.  "Seller  Employees"  means any individual employed by Seller or any of its
affiliates.

1.8.  "Encumbrance"  means  any  mortgage,  lien,  pledge,  encumbrance,  claim,
condition or restriction, of' any nature whatsoever, dirzct or indirect, whether
accrued,  absolute,  contingent  or  otherwise.

19. "Excluded Assets" means all the assets and properties of Seller that are not
included  in  the  Assets  (as  defined  above).

1.10.  "Intellectual  Property  Rights"  means  all  Copyrights, know-how, Trade
Secrets  Trademarks,  marketing  procedures,  software,  vendors lists, customer
lists,  customer  files  and  customer records owned or controlled by one of the
parties,  as  appropriate.

1.11.  "Legal  Proceeding"  means  any  action,  suit,  litigation,  arbitration
proceeding  (including  any  civil,  criminal,  administrative, investigative or
appellate  proceeding),  hearing,  inquiry,  audit, examination or investigation
commenced,  brought, conducted or heard by or before, or otherwise involving any
court  or  other  governmental body or any third party arbitrator or arbitration
panel.

1.12.  "Net  Receipts"  means  gross  revenues  accrued by Buyer from all sales,
licenses  or  other  transactions  or  other commercial exploitation pursuant to
which  customers  are  permitted  use  of  the  "Hosted Services" (as defined in
Schedllel  hereto)  included  in  the  Assets set fbrth in Schedule I, minus any
deductions  or  offsets  generally  used  by Buyer to calculate its reported net
revenues  in  accordance  with  generally  accepted  aocountng  principles.  For
purposes  of  determining  Net  Receipts,  the  following  rules  shall  apply:

(a)  If  the  Hosted  Services are sold or licensed with other products or works
(including  any enhancements to the Hosted Services owned by Buyer) in a package
for a single price, the Net Receipts attributable to the Hosted Services will be
determined  by  prorating  the  receipts from the sale or license of the package
according to the values established by Buyer for the separate works contained in
the  package whether or not such works are sold or licensed separately, provided
that  such  values are reasonably related to the values, marketing potentials or
cost of the separate products and are consistent with prices customarily charged
in  the  industry.

(b)  Net  Receipts  will  not  include  any receipts from copies of any software
combining  the  Hosted  Services  which  are  distributed  by  Buyer to existing
customers  as  back-up  or replacement copies, nor will Net Receipts include any
receipts  from  copies of the Hosted Services, supplied for promotional purposes
to the press, trade, sales representatives or potential customers for the Hosted

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Services.  Net Receipts shall not include the following items (to the extent to
which  they are included in the gross revenue underlying such Net Receipts): (1)
trade  and  bona  tide  quantity  discounts (but not cash discounts, advertising
allowances,  or  commissions  paid to any salesman, sales agent or manufacturers
representative); (2) sales, use, and other similar taxes; and (3) import, export
and  excise  taxes,  custom  duties,  and  consular  fees.

1.13.  "Person"  means any individual, partnership, corporation, business trust,
limited  liability  company  or  partnership,  joint  stock  company,  trust,
unincorporated  assoc1ation,  joint  venture  or  entity,  or governmental body.

1.14. "Taxes" means any federal, state, local or foreign net income, alternative
or  ad-on  minimum,  gross  income,  gross receipts, sales, use, value-added, ad
valorem,  franchise,  capital  stock, license, withholding, payroll, employment,
excise,  severance,  stamp,  property,  environmental  or windfall property tax,
customs  duty  or other tax, governmental fee or other like assessment or charge
of  any  kind whatsoever, together with any interest or any penalty, addition to
tax  or  additional  amount  impose  by  any governmental authority (domestic or
foreign)  responsible  for  the  imposition  of  any  such  tax

1.15,  "Third  Party  Contracts" means the contracts, commitments and agreements
listed  on Schedule 1, and includes without limitation the Third Party Licenses.
           ----------

1.16.  "Third  Party  Licenses"  means the licenses with third parties listed on
Schedule  1.
------------

1.17.  "Trade  Secrets"  means  all  worldwide  trade  secrets  and confidential
business  information owned or controlled by one of the parties, as appropriate,
that  has  economic  value  as  a  result  of  not  being  known  to  others.

1.18.  "Trademarks" means all worldwide trademarks, common law trademarks, trade
names,  service marks, common law service marks and service names, together with
all  registrations  and  applications  for  registration  therefor.

2.  Purchase  of  Assets; Consideration.
    ------------------------------------

2.1.  Sale  and  Purchase. Subject to the terms and conditions set forth in this
      --------------------
Agreement,  on the closing Date, Seller shall sell, convey, assign, transfer and
deliver  to  Buyer,  and  buyer  shall  purchase and obligate to pay for, all of
Seller's  right,  title and interest in and to and under all the Assets, but not
any  Excluded  Assets.  The parties acknowledge that this sale and purchase does
nor  convey  any license r interest, including, without limitation, any interest
arising  through  estoppel  or  implied  license,  in  any  patents  or  patent
applications,  and  that all licenses under such patents and patent applications
are  granted  only  by  the  license  provided  in  section  8,5(b).

2.2.  Consideration.  Subject  to  the  terms  and  conditions set forth in this
Agreement, Buyer will pay Seller for the Assets the following (collectively, the
"Purchase Price"):
---------------

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(a)  During  the  remainder  of  Buyer's  current  fiscal  year  (i.e.  the year
commencing  on January 1, 2004 and ending on December 31, 2004), Buyer shall pay
no  consideration  to  Seller;

(b)  During  Buyer's  second fiscal year following the Effective Date. (i.e. the
year  commencing on January 1, 2005 and ending on December 31,2005), Buyer shall
pay  Seller  10%  of  any Net Receipts accrued by Buyer during such fiscal year;

(c)  During Buyer's third fiscal year following the Effective Date (i.e the year
commencing  on January 1, 2006 and ending on December 31, 2006), Buyer shall pay
Seller  8%  of  any  Net  Receipts  accrued  by  Buyer  during such fiscal year;

(d)  During  Buyer's  fourth  fiscal year following the Effective Date (i.e. the
year  commencing  on  January  1,  2007 and ending on December 31, 2007) and any
subsequent  fiscal  years  (or  any  portion  thereof)  included in the period
commencing  on  January 1, 2008, Buyer shall pay Seller 6% of any Net Receipts
accrued by Buyer during each such fiscal yean This amount shall be reduced to 5%
of  any  Net  Receipts  accrued by Buyer at such time as all patents licensed by
Seller  in section 8,5(b) have expired or been declared invalid or unenforceable
by  a  court  of  competent  jurisdiction.

(e)  All  amounts  payable  under  this  Section  2.2  shall  be due and payable
quarterly. Buyer shall pay Seller, within thirty (30) days after the last day of
each  applicable  calendar  quarter,  the total amount owed to Seller under this
Section  2.2  on account of Net Receipts accrued by Buyer during the immediately
preceding  calendar  quarter  if  Buyer  agrees  to  keep  accurate  records  in
sufficient  detail to properly determine the amount payable to Seller under this
Agreement.  Buyer  will keep such records for at least three (3) years following
the  end of the calendar quarter to which they pertain, and Buyer agrees to make
available  such  records for inspection during such period by a certified public
accountant  retained  by  Seller  for  such  purpose  solely  for the purpose of
verifying  proper  payment  by  Buyer.

(g)  Such  inspections  may be made during normal working hours and no more than
once  in  every  six  (6) months at reasonable times mutually agreed upon by the
parties after fifteen (15) days notice to Buyer. The certified public accountant
will execute a reasonable confidentiality agreement prior to commencing any such
inspection.  Such  certified  public  accountant shall be permitted to report to
Seller  only  the  information reasonably necessary to determine the appropriate
payments  due  under this Agreement, If such accounting firm determines that any
additional  amounts  are  due  Seller,  Buyer will promptly make payment of such
amounts  to Seller. Seller shall pay the expenses of the accounting firm, unless
such  additional  amounts  determined by the accounting firm are in excess often
percent  (10%)  of the amount actually paid to Seller over the period covered by
the  inspection,  in  which case Buyer shall promptly pay Seller such additional
amounts  and  the  accounting  firm's  reasonable  fees  for  such  audit.

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2.3.  Assumed  and  Excluded  Liabilities.
      ------------------------------------
Buyer  shall  assume, as of the Closing Date, the obligations and liabilities of
Seller  relating  to the Crossvue Business and set forth on attached hereto, but
only to the extent that such obligations and liabilities arise after the Closing
Date  and relate to benefits to be received by Buyer after the Closing Date (the
"Assumed Liabilities") (the  "Assumed  Liabilities").  Except  for  the  Assumed
Liabilities,  Buyer will not assume, perform or be liable for any liabilities or
obligations  of  Seller.

2.4.  Sales  and other.  Seller agrees to pay and discharge when due, any sales,
      -----------------
use,  transfer,  excise and other like taxes imposed or levied by any government
or  governmental  agency in the United States by reason of the sale and transfer
of  the  Assets  under  this Agreement (collectively, the "Transfer Taxes"), The
parties  shall  cooperate with each other to the extent reasonably requested and
legally  permitted  to  minimize  the  Transfer  Taxes.

3.  Seller.  Except as disclosed it Seller's Disclosure Schedule attached hereto
    -------
as  Exhibit  A  ("Seller's  Disclosure  Schedule")  (which  shall be arranged in
    ----------    ------------------------------
sections  and  subsections  corresponding  to  the  numbered  sections  of  this
Agreement  and  apply to the representations and warranties of the corresponding
section  of this Agreement), each Seller hereby jointly and severally represents
and  warrants  to  Buyer  that  as  of  the  Effective  Date:

3.1.  Organization  and  Good  Standing. Seller is a corporation duly organized,
      ----------------------------------
validly  existing arid iii good standing under the laws of Delaware, and has the
requisite corporate power to own and operate its properties and assets, and to
carry on its business as presently conducted. Seller is qualified to do business
in  every  jurisdiction for which qualification is required unless the absence
of  qualification  would not have a material adverse effect on Seller's business
as  it  relates  to  the  Assets.

3.2. Authority; Consents and Approvals. Seller has all necessary corporate power
     ----------------------------------
and  authority  to  execute,  deliver  and  perform  its  obligations under this
'Agreement  and  to  consummate  the  transactions contemplated hereby, and such
actions  have  been  duly  authorized  by  all necessary corporate actions. This
Agreement,  and the agreements, certificates, instruments and other documents to
be  delivered by the Seller in connection with this Agreement (collectively with
this Agreement, the "Seller Transaction Documents"), have been duly executed and
                     ----------------------------
delivered  by  Seller  and constitute the legal, valid and binding obligation of
Seller  enforceable against Seller in accordance with their terms (i) subject to
laws  of general application relating to bankruptcy, insolvency, reorganization,
moratorium,  fraudulent conveyance and other similar laws of general application
affecting  enforcement  of creditors' rights generally, and (ii) except that the
availability  of the remedy of specific performance or injunctive or other forms
of equitable relief may be subject to equitable defenses and would be subject to
the  discretion of the court before which any proceeding thereof may be brought.
Except  as  set  forth  on  Section  6.1(g)  of Seller's Disclosure Schedule, no
                            ------------------------------------------------
consent, approval or authorization of or designation, declaration or filing with
any  governmental authority on the part of Seller is required in connection with
the  valid  execution,  delivery  and  performance  by  Seller  of  the  Seller
Transaction  Documents,  and  the  consummation  by  Seller  of the transactions
contemplated  thereby.

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3.3.  No  Breach  or  Violation.  Assuming  receipt of the consents set forth on
      --------------------------
Section  6.1(g)  of  Seller's  Disclosure  Schedule, the execution, delivery and
---------------------------------------------------
performance  of the Seller Transaction Documents by Seller, and the consummation
by  Seller  of  the  transactions  contemplated  thereby,  will not result in or
constitute  any of the following: (i) a material default, breach or violation or
an  event  that,  with  notice  or  lapse  of  time or both, would be a material
default,  breach  or  violation of the charter documents of Seller or any of the
Third Party Contracts; (ii) the creation of any material mortgage, pledge, lien;
encumbrance or charge upon any of the Assets; (iii) the acceleration of Seller's
performance  pursuant  to  any  Third  Party  Contract;  and  (iv)  the material
violation  of any applicable law, ordinance, rule, regulation, judgment, permit,
order  or  decree  of  any  court  or  other  governmental  body,  department,
instrumentality,  agency  or  subdivision  having,  asserting  or  claiming
jurisdiction  over  any  of  the  Assets,  except  where  such  default, breach,
violation,  lien,  encumbrance or acceleration would not reasonably he expected
to  have  a  material  adverse  affect  on  the  Crossvue  Business.

3.4 Title to Assets. Seller collectively has good valid title to (or in the case
    ----------------
of  leased  Assets,  valid  and  enforceable  leasehold interests in) all of the
Assets,  free and clear of Encumbrances. Seller has the right and power to sell,
convey,  assign, transfer and deliver to Buyer all of Seller's title, rights and
interest  in  and  to  the  Assets  free  and  clear  of  Encumbrances.

3.5  Condition of Tangible Assets. All  tangible  personal  property,  including
     -----------------------------
machinery  and  equipment,  if  any, included in the Assets is in good operating
condition  and  repair, ordinary wear and tear and routine maintenance excluded.

3.6  Intellectual  Property  Rights.  Schedule  1  lists  all  software  being
     -------------------------------  -----------
transferred  by  Seller  for  use  in  operating  the  Crossvue  Business.

3.7  Errors;  Product  Liability.  Seller  has  delivered,  or will prior to the
---------------------------------
Closing  deliver,  to  Buyer  a descriptive list of unresolved errors (including
without  limitation  "bugs") and unresolved non-conformities to specification in
the  Assets  that  constitute  source  code of which Seller is aware. No product
liability  claims  related  to  the  products of the Crossvue Business have been
communicated  to  or,  to  Seller's  knowledge, threatened against Seller or its
licensees,  nor  is there, to Seller's knowledge, any specific situation, set of
facts  or  occurrences  that  provides  a  valid  basis  for  such  claim.

3.8  Litigation. Except  as  set  forth  in  Section  3.8 of Seller's Disclosure
Schedule,  there is no claim, action, proceeding or investigation pending or, to
Seller's knowledge, threatened (a) against or by Seller involving the Assets, or
(b)  which  questions or challenges the validity of this Agreement or any action
taken  by  Seller  pursuant  to  this  Agreement  or  in  connection  with  the
transactions  contemplated hereby. Seller is not subject to any judgment, order
or  decree  entered.  in  any  lawsuit or proceeding which has had or may have a
material  adverse  effect  on  the  Crossvue  Business.

3.9 Sufficiency of Assets. The Assets and the licenses granted hereunder include
    ----------------------
all  of  the  assets  and licenses necessary to operate the Crossvue Business as
presently  conducted  by  Seller.

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3.10  Compliance with Laws. Seller is not in violation of any US. federal, state
      ---------------------
or  local  statute,  law, rule or regulations with respect to the conduct of the
business  of  the  Crossvue  Business, except for such violations that would not
reasonably  be  expected  to  have  a,  material  adverse effect on the Crossvue
Business.  Seller  has not received any written notice from any Person regarding
any  actual  or  alleged  violation  of,  or  failure  to comply with, any legal
requirement  in  connection  with  the  conduct  of the business of the Crossvue
Business.  Seller has obtained all governmental licenses, orders, approvals, and
authorizations  required  in  connection  with the conduct of its business as it
relates  to  the  Assets,  except where failure to obtain such licenses, orders,
approvals  or authorizations would not reasonably be expected to have a material
adverse  affect  on  the  Crossvue  Business.

3.11 Complete Copies of Materials. Seller has delivered to or made available for
     ------------------------------
inspection  by  Buyer  true  and complete copies (or summaries) of each material
contract, agreement, license, lease and similar document included in the Assets.

3.12  Taxes.  With respect to any tax that is not an Excluded Liability (if any)
      ------
or  that  by operation of law could become a liability of Buyer as transferee or
successor  to  Seller,  Seller  has  completed  and timely filed all tax returns
required  to  be  filed by it and has paid all taxes that relate to the Assets
that  are  due  and  payable.  There is no claim pending for arty tax that is an
encumbrance or lien on the Assets and no audit of any tax return related to the
Assets  is  being  conducted  by  a  taxing  authority.

3.12  No Brokers. Seller is not obligated for the payment of fees or expenses of
     ------------
any  broker or finder in connection with the origin, negotiation or execution of
this  Agreement  or  in  connection  with  the  transfer of the Assets to Buyer.

3.13 Full Disclosure. None of the representations, warranties or statements made
     ----------------
by  Seller  in  or in connection with any of the Seller Transaction Documents or
made  in  any  document,  certificate,  memorandum or exhibit furnished or to be
furnished  by  Seller,  or on its behalf, pursuant to or in connection with this
Agreement  contains  or  will contain any untrue statement of a material fact or
omits  or will omit any material fact the omission of which would be misleading;
provided,  however, that with respect to any due diligence materials provided by
Seller to Buyer in connection with this Agreement, the foregoing representations
and  warranties  are  made  to  the  best  of  Seller's  knowledge.

4.  Representations and Warranties of  Buyer. Except  as  disclosed  in  Buyer's
    -----------------------------------------
Disclosure  Schedule  attached  hereto  as  Exhibit  B ("Buyer's  Disclosure
                                            ----------   -------------------
Schedule")(which  shall be arranged in sections and subsections corresponding to
--------
the  numbered  sections  of  this Agreement and apply to the representations and
warranties  of  the  corresponding  section  of  this  Agreement),  Buyer hereby
represents  and  warrants  to  Seller  that  as  of  the  Effective  Date:

4.1.  Organization  and  Good  Standing.  Buyer is a corporation duly organized,
      ----------------------------------
validly  existing  and  in good standing under the laws of Delaware, and has the
requisite  corporate  power to own and operate its properties and assets, and to
carry  on  its  business  as  presently  conducted.

4.2.  Authority; Consents and Approvals. Buyer has all necessary corporate power
and  authority  to  execute  deliver  and  perform  its  obligations  under this
Agreement  and  to  consummate  the  transactions  contemplated hereby, and such

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action  has  been  duly  authorized  by  all  necessary  corporate  action. This
Agreement,  and the agreements, certificates, instruments and other documents to
be  delivered by Buyer in connection with this Agreement (collectively with this
Agreement,  the  "Buyer  Transaction  Documents"),  have  been duly executed and
                  -----------------------------
delivered  by  Buyer  and constitutes the legal, valid and binding obligation of
Buyer  enforceable  against  Buyer in accordance with their terms (i) subject to
Jaws  of general application relating to bankruptcy, insolvency, reorganization,
moratorium,  fraudulent conveyance and other similar laws of general application
affecting  enforcement. of creditors' rights generally, and (ii) except that the
availability  of the remedy of specific performance or injunctive or other forms
of equitable relief may be subject to equitable defenses and would be subject to
the  discretion of the court before which any proceeding thereof may be brought,
No  consent,  approval or authorization of or designation, declaration or filing
with  any third party or governmental authority on the part of Buyer is required
in connection with the valid execution, delivery and performance by Buyer of the
Buyer  Transaction  Documents  and the consummation by Buyer of the transactions
contemplated  thereby.

4.3.  No  Breach  or  Violation.  Buyer  is not in violation of any term of' its
      --------------------------
charter  documents.  The  execution,  delivery  and  performance  of  the  Buyer
Transaction  Documents  by  Buyer,  and  the  consummation  by  Buyer  of  the
transactions  contemplated  thereby, will not result in or constitute any of the
following:  (I)  a  material default, breach or violation or an event that, with
notice  or  lapse  of  time  or  both,  would  be  a material default, breach or
violation  of  the  charter  documents  of  Buyer  or  any  material  agreement,
instrument  or arrangement to which Buyer is a party or by which Buyer is hound,
or  (ii)  the  material  violation  of  any  applicable  law,  ordinance,  rule,
regulation,  judgment,  order or decree of any court or other governmental body,
department, instrumentality, agency or subdivision having, asserting or claiming
jurisdiction.

4.4.  Litigation. To Buyer's knowledge, there is no claim, action, proceeding or
      -----------
investigation  pending  or,  to  Buyer's knowledge, threatened (a) against or by
Buyer involving the Assets, or (b) which questions or challenges the validity of
this  Agreement  or  any  action taken by Buyer pursuant to this Agreement or in
connection  with  the  transactions contemplated hereby. Buyer is not subject to
any judgment, order or decree entered in any lawsuit or proceeding which has had
or  may  have  a  material  adverse  effect  on  its  ability  to consummate the
transactions  contemplated  hereby.

4.5.  No  Brokers. Buyer is not obligated for the payment of fees or expenses of
      ------------
any  broker or finder in connection with the origin, negotiation or execution of
this  Agreement  or  in  connection  with  the  transfer of the Assets to Buyer,

5.  Pre-Closing  Covenants.  Buyer  and  Seller  each agree (except as expressly
    -----------------------
contemplated  by  this  Agreement  or  to  the  extent  that  both parties shall
otherwise  consent in writing) that until the Closing or the termination of this
Agreement,  whichever  shall  first  occur:

5.1.  Access  and  Investigation.  Upon  reasonable advance notice received from
      ---------------------------
Buyer,  Seller  shall  (a)  afford  Buyer  and its representatives hill and free
access,  during  regular  business  hours,  to  the  employees and the Books and
Records  of  the  Crossvue  Business, subject to confidentiality obligations and
provided that such access does not unreasonably interfere with the operations of
Seller,  and  (I,) furnish Buyer and its representatives with copies of all such

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Books  and Records, and other existing data relating to the Crossvue Business as
Buyer  may  reasonably  request,  subject  to  confidentiality  obligations.

5.2.  Ordinary  Course.  Seller  shall  use  commercially  reasonable efforts to
      -----------------
conduct  the business of the Crossvue Business in the ordinary course consistent
with  past  practice.  Seller  U)  will  not  sell, encumber, pledge, license or
otherwise  transfer  or  assign  any  0f  the  Assets,  including  the  Crossvue
Intellectual  Property  Rights, the Excluded Patents or other related intangible
assets,  or enter into any agreements with respect to such a transaction, except
in  the  ordinary  course  of  business,  and  (ii) to the extent related to the
Assets,  Seller  will  use  commercially  reasonable efforts to, in the ordinary
course of business, preserve its relationships with its suppliers, customers and
others  with  whom  it  deals  in  the  Crossvue  Business.

5.3.  Further  Action;  Filing.  Each  party  shall  use commercially reasonable
      -------------------------
efforts  to  take,  or  cause to be taken, all actions and to do, or cause to be
done, all things necessary, proper or advisable to consummate and make effective
the  transactions  contemplated by this Agreement, and to satisfy all conditions
set forth in Section 6 within such party's control and effect the closing as set
forth  in  Section  7.  Each  party  will  take  commercially reasonable actions
necessary to comply promptly with all applicable legal requirements which may be
imposed  on  such  party  with  respect  to the consummation of the transactions
contemplated  by  this  Agreement  and  will promptly cooperate with and furnish
information  to  the other party iii connection with any such requirements. Each
party will use all commercially reasonable efforts to obtain (and will cooperate
with  each  other  in  obtaining)  any consent, approval, order or authorization
from, and will use all commercially reasonable efforts to make any registration,
declaration  or other filing with, any governmental entity, domestic or foreign,
required to be obtained or made by either Buyer or Seller in connection with the
consummation  of  the  transactions  contemplated  by  this  Agreement.

5.4.  Confidentiality.  Buyer and Seller shall maintain in confidence, and shall
      ----------------
cause  their  respective directors, officers, employees, agents, and advisors to
maintain  in  confidence,  and  not use to the detriment of the other party, any
written, oral, or other information obtained in confidence from another party in
connection  with this Agreement or the transactions contemplated hereby, and all
other  non-public  information related to the Assets obtained in connection with
the transactions contemplated hereby (the "Confidential Information"),unless (i)
such information is already known to such party or to others not bound by a duty
of  confidentiality  or  such  information becomes publicly available through no
fault  of  such  party,  (ii)  the  use  of  such  information  is  necessary or
appropriate  in  making  any  filing  or  obtaining any consent required for the
consummation  of  the  transactions contemplated by this Agreement, or otherwise
permitted  under this Agreement, (iii) the furnishing or use of such information
is  required  by or necessary in connection with any Legal Proceeding or any tax
report  or  return  or  tax  structure.

6.  Conditions  Precedent  to  Closing.
    -----------------------------------

6.1.  Conditions  to  Obligations  of Buyer. The obligations of Buyer under this
Agreement  are  subject to the satisfaction, on or prior to the Closing Date, of
each  of  the  following  conditions,  any one or more of which may be waived by

                                      E-77
<PAGE>

Buyer,  in whole or in part without prior notice but such waiver to be effective
only if made in writing and signed by a duly authorized representative of Buyer;

(a) Representations and Warranties. The representations and warranties of Seller
in  Section  3 shall be true and correct when made and shall be true and correct
in  all  material respects on the Closing Date with the same forte and effect as
if  they had been made on and as of the Closing Date, except to the extent that
any  failure  to  be  so  true  and  correct  has  not  had  Or  would tot have,
individually  or  in  the  aggregate,  a material adverse effect on the Crossvue
Business.

(b)  Performance  of  Obligations.  Seller  will  have  performed, satisfied and
     -----------------------------
complied  with in all material respects all covenants, agreements and conditions
required by this Agreement to be performed, satisfied or complied with by Seller
on  or  before  the  Closing  Date.

(c)  Corporate Approval. The execution and delivery of this Agreement by Seller,
     -------------------
and  the performance of Seller's covenants and obligations under this Agreement,
shall  have  been  duly  authorized  by  all  necessary and required corporate
action.

(d)  Approval  of  Documentation.  Seller  shall  have  delivered  to  Buyer the
     ----------------------------
certificates,  instruments,  schedules  and  other  documents  required  to  be
delivered  to  Buyer  at  Closing  under  of  this  Agreement.

(e)  Compliance Certificate. Seller shall have delivered to Buyer a certificate,
     -----------------------
dated the Closing Date, signed by an authorized officer of Seller, certifying to
the  fulfillment  of the conditions specified in Sections 6.1(a), (b), (c), (d),
(f)  and  (g).

(f)  No  Injunctions.  No  court  of competent jurisdiction shall have issued or
     ----------------
entered  any order, writ, injunction or decree, and no other governmental entity
shall  have  issued  any  order,  which  is then in effect and has the effect of
making  the transaction contemplated hereby illegal or otherwise prohibiting the
consummation  of  the  purchase  and  sale  of  the  Assets  at  the  Closing

(g)  Consents  and  Releases. All consents. approvals, waivers and releases from
     ------------------------
all  governmental  authorities  and other persons set forth on Section 6.1(g) of
                                                               --------------
the  Seller's Disclosure Schedule to this Agreement shall have been obtained and
shall  be reasonably satisfactory in form and substance t Buyer and its counsel.

6.2.  Conditions to Obligations of Seller. The obligations of Seller under this
      ------------------------------------
Agreement  are  subject to the satisfaction, on or prior to the Closing Date, of
each  of  the  following  conditions,  any one or more of which may be waived by
Seller,  in whole or in pan without prior notice but such waiver to be effective
only  if  made  in  writing  and  signed  by a duly authorized representative of
Seller:

(a)  Representations and Warranties. The representations and warranties of Buyer
in  Section  4 shall be true and correct when made and shall be true and correct
in  all  material respects on the Closing Date with the same force and effect as
if  they  had been made on and as of the Closing Date, except to the extent that
any  failure  to  be  so  true  and  correct  has  not  had  or  would not have,
individually  or  in  the  aggregate,  a  material  adverse effect on the Buyer.

                                      E-78
<PAGE>

(b)  Performance of Obligations. Buyer  will  have  performed,  satisfied  and
     --------------------------
complied  with  all  covenants,  agreements  and  conditions  required  by  this
Agreement  to be performed, satisfied or complied with by Buyer on or before the
Closing  Date.

(c)  Corporate Approval.  The  execution  and  delivery  of  this  Agreement  by
Buyer,  and  the  performance  of  Buyer's  covenants and obligations under this
Agreement,  shall  have  been  duly  authorized  by all necessary and required
corporate  action.

(d)  Approval of Documentation. Buyer  shall  have  delivered  to  Seller  the
     --------------------------
certificates,  instalments,  schedules  and  other  documents  required  to  be
delivered  to Seller at Closing under Sections 7.3(a) and (b) of this Agreement.
                                      -----------------------

(e)  Compliance Certificate. Buyer shall have delivered to Seller a certificate,
     -----------------------
dated  the Closing Date, signed by an authorized officer of Buyer, certifying to
the  fulfillment  of  the conditions specified in this Section 6.2(a), (b), (c),
(d)  and  (f)

(f)  No  Injunctions.  No  court  of competent jurisdiction shall have issued or
     ----------------
entered  any order, writ, injunction or decree, and no other governmental entity
shall  have  issued  any  order,  which  is then in effect and has the effect of
making  the transaction contemplated hereby illegal or otherwise prohibiting the
consummation  of  the  purchase  and  sale  of  the  Assets  at  the  Closing.

(g)  Return of Excluded Assets.  Buyer  shall  have  delivered  to  Seller  any
Excluded Assets in its possession, including without limitation, the assets set
forth  on  Schedule 2 hereto.
           ----------

7.  The Closing.
    ------------

7.1.  Time  and  Place. Unless  this  Agreement  shall  have  been terminated in
      -----------------
accordance  with  Section 10 hereof, the Closing shall take place at the offices
of  Carr  &  Ferrell  LLP, 2200 Geng Road, Palo Alto, California 94303, at 10:00
am.,  Pacific Standard Time, on the Closing Date, or at such other place or time
as  Buyer  and  Seller  may  agree.

7.2.  Seller's  Actions  at  the Closing. At the Closing, Seller will deliver or
      -----------------------------------
cause  to  be  delivered  to  Buyer  the  fol1owing:

(a)  Possession  of  the  Assets;  and

(b)  An  original  Assignment  and  Assumption  Agreement  and  Bill of' Sale in
substantially  the  form  of  Exhibit  C  ("Assignment Agreement")executed by an
                              ----------    --------------------
authorized officer  of  Seller.

7.3. Buyer's Actions at the Closing. At the Closing, Buyer will deliver or cause
     -------------------------------
to  be  delivered  to Seller an original Assignment and Assumption Agreement and
Bill  of  Sale  in substantially the form of Exhibit C executed by an authorized
                                             ---------
officer  of  Buyer.

                                      E-79
<PAGE>

7.4.  Passage  of Title. Legal and equitable title and risk of loss with respect
      ------------------
to  all  of  the  Assets  shalt  pass  to  Buyer  at  the  Closing.

8.  Post-Closing Covenants. Conditioned upon the Closing, and beginning with the
    ----------------------
day  following  the  Closing  Date,  Buyer  and  Seller  agree  that:

8.1.  Further  Assurances.  From time to time after the Closing Date, at Buyer's
      --------------------
request  and without further consideration, Seller will execute and deliver such
further  instruments  of conveyance and transfer and will take such other action
as  Buyer  may reasonably require in order more effectively to vest in Buyer and
to  put  Buyer in possession and control of the Assets and its respective rights
in the Assets. From time to time after the Closing Date, at Seller's request but
without  further  consideration,  Buyer  will  execute  and deliver such further
instruments of conveyance and transfer and will take such other action as Seller
may  reasonably require in order to more completely effect the assumption of the
Assumed  Liabilities  by  Buyer.

8.2. Continuation of Certain Covenants. All Pre-Closing Covenants will terminate
     ----------------------------------
upon  Closing, provided, however, that the following Pre-Closing Coventants will
continue  in hill force and effect for the time periods indicated therein or. if
no  time  period  is  indicated,  for  the period set forth in this Section 8.2:
Section  2.2 and Section 5.4 ("Confidentiality") until the information otherwise
ceases  to  be  confidential.

8.3.  Grant of Licenes.
      -----------------

(a)  By  Buyer.  Subject  to and effective upon the Closing. Buyer hereby grants
     ----------
Seller  a  non-exclusive  worldwide, perpetual, and fully sub-licensable license
under  the  full  scope  of  the copyright in all software listed in Schedule 1,
developed  by  or  on behalf of Seller and being transferred to Buyer under this
Agreement,  including,  without  limitation,  rights  to  use, publicly display,
distribute  and  reproduce  any  such  software  programs  (and their associated
documentation)  and  to  create derivative works based on such software programs
(and  their  associated  documentations); Seller may not sublicense the software
programs  as  a  substantially  complete  system for providing as an application
service  provider  functionality substantially identical to the Hosted Services.
It  is  hereby further agreed that the foregoing license shall only apply to the
foregoing  software  programs  (and  their  associated  documentation)  in their
condition  as  of  the  Closing  and  that  such  license  shall not include any
post-Closing  derivative  works,  improvements, enhancements or modifications to
such  software  programs  and/or  to  their  associated documentation created by
Buyer.

(b)  By  Seller. Subject to and effective upon the Closing, Seller hereby grants
     -----------
Buyer  a  personal, non-exclusive worldwide, non-transferable, non-sublicensable
license under only those claims of Seller's patents that are necessary for Buyer
to  operate  the  software  listed  in  Schedule 1, developed by or on behalf of
Seller  and  being  transferred  to Buyer under this Agreement, as such software
exists  upon  Closing,  to  make, to use, to sell and have sold, and to offer to
sell  the  Hosted  Services.  This  license  shall  terminate  immediately  upon
termination  of  this  agreement  for  any reason. All rights in any patents and
patent  applications  not  explicitly  granted  in  this section are reserved by
Seller. This license shall terminate immediately upon the assertion of any claim
of  patent  infringement  by  Buyer  against  Seller,  or  any  of  Seller's

                                      E-80
<PAGE>

customers  or  distributors  with respect to the Crossview Business. Any license
granted  herein is subject to the approval of the holder of any lien in any such
patent  or  patent  application.

8.4.  Unassignable  Assets.  To  the  extent  that  any Asset, including without
      ---------------------
limitation  the  Third  Party  Contracts,  is  not  assignable  or  otherwise
transferable without the consent of another party, or if assignment or attempted
assignment  would  constitute  a  breach  thereof  or  a  breach of an agreement
concerning  the  Asset,  this Agreement shall not constitute an assignment or an
attempted assignment thereof unless proper consent to assign by such third party
was  obtained  and  in force prior to Closing. Seller shall use its commercially
reasonable  efforts  to obtain the consent or waiver of such other party for the
assignment  of  any  such  Asset  to Buyer in all cases in which such consent or
waiver  is  or  may  be  required. If such consent or waiver cannot be obtained,
Seller  shall  cooperate  with  Buyer in any commercially reasonable arrangement
agreed by the parties that is designed to provide Buyer the benefits intended to
be  assigned  to  Buyer  under  the  affected  Asset.

9.  Limitation  of  Liability;  Indemnification
    -------------------------------------------

9.1.  Survival  of  Representations and  Warranties. The  representations  and
      ----------------------------------------------
warranties  of  Seller and Buyer shall survive for three (3) years following the
Closing.  All  post-Closing covenants and agreements (other than representations
and  warranties)  shall  survive the Closing in accordance with their respective
terms. The rights of indemnification in this Section 9 shall survive the Closing
indefinitely; provided that a party shall not be entitled to indemnification for
a  breach  of  the  representations  or  warranties  of  the other party in this
Agreement  unless  the  Indemnified  Party  (as  defined  below)  provides  the
Indemnifying  Party  (as  defined  below)  with written notice of such breach in
accordance  with  Section 9,4 on or before the three (3) year anniversary of the
Closing.

9.2.  Indemnification  by  Seler  From  and  after  the  Closing.  Seller  shall
indemnify, defend and hold harmless Buyer and its officers, directors, advisors,
Affiliates,  agents  and  employees  (hereinafter  referred to individually as a
"Buyer Indemnified Person" and collectively as "Buyer Indemnified Persons") from
 ------------------------                       -------------------------
and  against,  any  and  all  losses, damages, fees, taxes, penalties, interest,
claims,  demands,  causes  of  action,  liabilities  and  expenses  (including
reasonable  attorneys'  fees)  (collectively,  "Damages")  arising  out  of  or
resulting  from  (i)  any misrepresentation or inaccuracy in or breach of any of
the  representations  or  warranties  given or made by Seller in this Agreement;
(ii) any breach of any covenant or obligation of Seller in this Agreement; (iii)
any  claim  based  on  the  infringement  by the Assets of a current third party
patent  or  other third party intellectual property rights; or (iv) any Excluded
Liabilities  Notwithstanding  the  foregoing,  Buyer  will  not  be  entitled to
indemnity  from  Seller for the first $50,000 of Damages incurred or suffered by
Buyer  of  a  type  otherwise  indemnifiable  by  Seller pursuant to clauses (i)
through  (iii)  of  the  prior  sentence  and  will not be entitled to indemnity
from  Seller  for  any Damages incurred or suffered by Buyer of a type otherwise
indemnifiable  by  Seller  pursuant  to  clauses  (i) through (iii) of the prior
sentence  in  excess  of  the  aggregate  amount  received  by Seller from Buyer
pursuant  to  this  Agreement.

9.3.  Indemnification  by  Buyer.  From  and  after  the  Closing,  Buyer  shall
indemnify,  defend  and  hold  harmless  Seller  and  its  officers,  directors,
advisors, Affiliates, agents and employees (hereinafter referred to individually
as  an  "Seller  Indemnified  Person"  and  collectively  as "Seller Indemnified
         ---------------------------                          -----------------

                                      E-81
<PAGE>

Persons") from and against, any and all losses, damages, fees, taxes, penalties,
-------
interest, claims, demands, causes of action, liabilities and expenses (including
reasonable  attorneys'  fees)  arising  out  of  or  resulting  from  (0  any
misrepresentation  or  inaccuracy  in or breach of any of the representations or
warranties  given  or  made  by  Buyer in this Agreement; (ii) any breach of any
covenant  or  obligation  of  Buyer  in  this  Agreement;  or  (iii) any Assumed
Liabilities.

9.4.  Third  Party  Claims.
      ---------------------

(a)  In the event an Indemnified Person becomes aware of an action or proceeding
involving  the  assertion  of  a third party claim which such Indemnified Person
believes  may  result  in a demand for indemnification hereunder (a "Third Party
                                                                     -----------
Claim"),such  Indemnified  Person  shall  promptly  give  the indemnifying party
-----
notice of such Third Party Claim; provided, however, that the failure to provide
such notice shall not release the indemnifying party from any of its obligations
under  this  Section 9 except to the extent the indemnifying party is materially
prejudiced  by  such  failure.

(b)  If  the  indemnifying party notifies the Indemnified Person within ten (10)
days  of delivery of a notice by such Indemnified Person -of a Third Pasty Claim
that  the  indemnifying  party  desires  to  defend  the Indemnified Person with
respect  to  such  Third Party Claim, then the indemnifying patty shall have the
right  to  conduct  and  control,  through  outside  legal  counsel  reasonably
acceptable  to such Indemnified Person, the defense, compromise or settlement of
any such action or proceeding, and in any such case the Indemnified Person shall
cooperate  in  connection  therewith and shall famish such records, information,
access  to  employees and testimony and shall attend such conferences, discovery
proceedings,  hearings,  trials  and appeals as may be reasonably requested by
the  indemnifying party in connection therewith; pro vided, that notwithstanding
the  foregoing,  the  indemnifying party shall not have the right to conduct and
control the defense, compromise or settlement of any claims that the Indemnified
Party agrees are not subject to indemnification hereunder; and provided further
that the Indemnified Person may participate, through counsel chosen by it and at
its  own  expense,  in  the  defense,  compromise  and  settlement  of  any such
action  or proceeding which the indemnifying party has so elected to conduct and
control.

(c)  If  the indemnifying party does not so notify the Indemnified Person of its
intent  to conduct and control the defense of the action or proceeding involving
the assertion of a Third Party Claim, then the Indemnified Person shall have the
right to conduct and control, through counsel of its choosing, in such manner as
it  may  deem  appropriate at the indemnifying party's cost and expense, and the
indemnifying party shall not have the right to conduct and control, the defense,
compromise  or  settlement  of  such  action or proceeding, and the indemnifying
party  shall  promptly  reimburse  the Indemnified Person therefor in accordance
with  the  terms  of  this  Agreement.

(d)  The  Indemnified  Person shall not, without the consent of the indemnifying
party  (which shall not he unreasonably withheld or delayed), pay, compromise or
settle  any  other action or proceeding involving a Third Party Claim, provided,
however,  that  no  consent  of  the indemnifying party shall be required if the
Indemnified  Person  shall  waive  (by  means  of a written waiver signed by the
Indemnified  Person)  any  right  to  indemnification  therefor  her  under

                                      E-82
<PAGE>

and  shall  obtain  a  release  of  the  indemnifying party from and against any
liability  as  a  consequence  of  such  action  or  proceeding.

9.5.  Procedure  for Indemnification - Other Claims. A claim for indemnification
      ----------------------------------------------
for  any  matter  not  involving a Third Party Claim shall be made by delivering
during  the  indemnification  Period written notice of the claim (specifying the
details  of  the  claim, relevant provisions of this Agreement and the amount of
the  claim)  to  the  party  from  whom  indemnification  is  being  sought.

10.  Termination.
     ------------

10.1  Mutual  Agreement. This  Agreement  may he terminated and abandoned at any
      ------------------
time  prior  to  the Closing Date by either party in its respective absolute and
sole  discretion,  without  further  liability  or obligation on the part of the
terminating  party.

10.2  Termination by Buyer. This Agreement may be terminated by Buyer by written
      ---------------------
notice  to  Seller  in  the event that (I) any one or more of the conditions set
forth  in Section 6.1 ("Conditions to Obligations of Buyer")are not satisfied on
                        ----------------------------------
or  before  the  Closing  Date, unless Buyer waives any such condition upon such
terms,  if  any,  that buyer deems appropriate, or (ii) if the Closing shall not
have  been  consummated  on  or  before  February  29,  2004.

10.3.  Termination  by  Seller. This  Agreement  may  be terminated by Seller by
       ------------------------
written  notice to Buyer in the event that (i) any one or more of the conditions
set  forth  in  Section  6.2  ("Conditions  to  Obligations  of Seller") are not
                                --------------------------------------
satisfied on or before the Closing Date, unless Seller waives any such condition
upon  such  terms,  if any, that Seller deems appropriate, or (ii) f the Closing
shall  not  have  occurred  on  or  before  February  294  2004.

10.4  Effect  of  Termination;  Return  of  Proprietary  Information.  Upon  any
      ---------------------------------------------------------------
termination,  neither  party  shall  have  any obligation whatsoever, other than
under  Sections  5.4 ("Confidentiality"), 11.8 ("Venue for Dispute Resolution"),
11.9  ("Governing  Law")  and  11.10 ("Attorney's Fees and Costs"), to the other
with respect to this Agreement, the transactions provided for in this Agreement,
or  expenses  incurred  in  connection  with  or  in  contemplation  of  such
transactions.  In  the  event  that this Agreement is terminated for any reason,
each of the parties agrees to return any and all copies of written materials and
any  Confidential  Information  received,  and  all  copies  made  thereof,  in
connection  with  this  Agreement  or  in  contemplation  of  the  transactions
contemplated  by  this  Agreement,  and  shall neither use nor disclose any such
information,  except  as  permitted  by  Section  5.7  ("Confidentiality").

10.5.  Survival.  Termination  of  this Agreement shall not relieve either party
       ---------
from  any  liability  incurred  for  any  willful  or intentional breach of this
Agreement  prior  to  such  termination.

11.  General  Provisions.
     --------------------

11.1.  Assignment.  Neither  party  shall  directly  or indirectly sell, assign,
       -----------
subcontract  or  otherwise  transfer  this  Agreement  or  any  of its rights or
obligations under this Agreement, without the prior written consent of the other
party,  except  as permitted in this Section 11.1. Notwithstanding the foregoing
sentence,  no  such  written  consent  shall  be  required  in  the  event  of

                                      E-83
<PAGE>

the merger of  a party with another entity, the sale of all or substantially all
of  the  stock or assets of a party to another person or entity, or the transfer
of  this  Agreement  to a subsidiary of either party, or an affiliate of a party
which  is  under  the  common  control of a parent entity. Buyer may assign this
Agreement  (other than the obligation of Buyer to pay the Purchase Price) to any
of  its  wholly-owned  subsidiaries  or other affiliated entities, provided that
Buyer  remains  jointly  and  severally  responsible for and guarantees the full
performance  of  this  Agreement  after  such assignment This Agreement shall be
binding upon and inure to the benefit of the permitted successors and assigns of
the  parties.

11.2.  Expenses.  Each  of  the  parties  shall  pay its own costs and expenses,
       ---------
including  legal  and  accounting fees, commissions and expenses, related to the
negotiation  and  execution  of  this  Agreement  and  the  consummation  of the
transactions  provided  for  in this Agreement irrespective of when incurred and
irrespective  of  whether  the  Closing occurs, Each party agrees to pay (and to
indemnify  and  to  hold  harmless  the  other party from) any liability for any
commission  or compensation in the nature of an advisor's or finder's fee to any
Person or firm for which such party, or any of its employees or representatives,
is  responsible.

11.3.  Notices  and Representatives. Any notice or reports required or permitted
       -----------------------------
to  be  given  under  this  Agreement  shall  be  given  in writing and shall be
delivered by personal delivery, telegram, facsimile transmission or by certified
or  registered  mail, postage prepaid, return receipt requested. Notice shall be
deemed  given  upon  actual receipt. Any party and any representative designated
below  may,  by  notice  to  the  others,  change its address for receiving such
notices:

To  Seller  at:       Symbol  Technologies,  Inc.
                      One  Symbol  Plaza
                      Holtsville,  New  York  11742
                      Attention:  Gillian  Munson
                      Facsimile:  (631)  38-738-3627

                                      E-84
<PAGE>

with  a  copy  to
(which  shall  not    Michael  C.  Miller,  Esq.
constitute notice):   Symbol  Technologies,  Inc.
                      One  Symbol  Plaza
                      Holtsville,  New  York  11742
                      Facsimile:  (631)  738-4110

To  Buyer  at:        SiVault  Analytics,  Inc.
                      2033  Gateway  Place,  Ste  500
                      San  Jose,  California  95110
                      Attention:  Emilian  Elefteratos
                      Facsimile:  (707)  924  -  0147

with  a  copy  to
(which shall  not
constitute  notice):  Barry  A.  Can-,  Esq.
                      Cart  &  Ferrell  LU'
                      2200  Qeng  Road
                      Palo  Alto,  CA  94303
                      Facsimile:  (650)  812-3444

11.4.  Entire Agreement and Modification. This Agreement (including its Exhibits
       ----------------------------------
and  Schedules)  constitute the entire agreement of Buyer and Seller relating to
the  purchase  and  sale  of  the  Assets  and  supersedes any and all prior and
contemporaneous  negotiations  correspondence, understandings, letters of intent
and  agreements  in principle between them, whether written or oral, relating to
that  subject  matter. This Agreement (including its Exhibits and Schcdules) may
only  be  amended  by  a  written  instrument  signed  by  Buyer  and  Seller.

11.5.  Construction of Agreement. This  Agreement  has  been  negotiated by the
       --------------------------
respective  parties and their attorneys, and its language shall not be construed
for  or  against  any  party.  The titles and headings in this Agreement are for
reference  purposes  only  and shall not in any manner limit the construction of
this  Agreement  which  shall  be  considered  as  a  whole.

11.6. Relationship of  the Parties. Nothing contained in this Agreement shall be
      -----------------------------
construed as creating any agency, partnership, or other form of joint enterprise
between  the parties. The relationship between the parties shall at all times be
that  of independent contractors. Neither party shall have authority to contract
for or hind the other in any manner whatsoever. This Agreement confers no rights
upon  either  party  except  those  expressly  granted  herein

11.7.  Waiver. Delay  or  failure  to  exercise  any  right or remedy under this
       -------
Agreement  shall  not  impair  such  right or remedy or be construed as a waiver
thereof  or  as acquiescence in a default Waiver of any breach or failure of any
term  or  condition  of this Agreement shall not be construed as a waiver of any
subsequent  breach  or  failure of the same term or condition or a waiver of any
other term or condition of this Agreement. All waivers must be in writing signed
by  the  party  to  be  charged.

                                      E-85
<PAGE>

11.8.  Venue  for  Dispute Resolution. Each  party  hereby  irrevocably  and
       -------------------------------
unconditionally  submits  for  itself  and  its  property in any legal action or
proceeding relating to this Agreement, or for recognition and enforcement of any
judgment  in respect thereof, to the exclusive general and personal jurisdiction
and  venue of the courts of the State of New York, in the County of Suffolk, New
York,  and  to  the United States District Court for the Eastern District of New
York,  and  to  the  respective  appellate courts thereof in connection with any
appeal  therefrom. Buyer hereby irrevocably waives any right to move or transfer
venue,  or  to  claim  that  any  of  the  above  forums  are  inconvenient.

11.9.  Governing Law.  This  Agreement  shall  be  governed by and construed in
       --------------
accordance  with the internal substantive laws of the State of New York, without
regard  to  its  choice  of  law  principles.

11.10  Attorneys' Fees and Costs. In the event of any dispute arising out of the
       --------------------------
subject matter of this Agreement the prevailing party shall recover, in addition
to  any other damages assessed, its reasonable attorney& fees and costs incurred
in  litigating,  arbitrating,  or  otherwise settling or resolving such dispute.

11.11 Severability. The provisions of this Agreement are severable, and if any
      -------------
one  Or  more  such  provisions  shall  be  determined to he invalid, illegal or
unenforceable,  in  whole or in part.' the validity, legality and enforceability
of  any  of the remaining provisions or portions thereof shall not in any way be
affected  or  impaired  thereby  and  shall  nevertheless be binding between the
parties. Any such invalid, illegal or unenforceable provision or portion thereof
shall be changed and interpreted so as to best accomplish the objectives of such
provision  or  portion  thereof  within  the  limits  of  applicable  law.

11.12.  Counterparts; Fax Signature. This Agreement may be executed by facsimile
        ----------------------------
in  two or more counterparts, each of which shall be deemed an original, but all
of  which  together  shall  constitute  one  and  the  same  instrument.

                                      E-86
<PAGE>

IN  WITNESS WHEREOF, the parties have caused this Agreement to be executed as of
the  date  first  above  written

SELLER:                                     BUYER:
@POS.COM, INC.                              SIVAULT  ANALYTICS,  INC.

By:  /s/ Mark Greenquist                    /s/ Emilian Elefteratos
     ----------------------                 ----------------------------
Name: Mark Greenquist                       Name: Emilian Elefteratos
Title:  Chief Executive Officer             Title: Chief Executive Officer

                                      E-87
<PAGE>

                                   Schedule I

                                Purchased Assets
                                  -------------

1.  eResolve
2.  eReceipts
3.  myRecipts
4.  Bin  Management
5.  adServicing
6.  any promotions, signature verification arid authentication services relating
to  the  foregoing  serviceS.

     The  Hosted  Services shall consist of the software programs listed in this
Schedule  1, supporting and implementing the Hosted Services developed by Seller
prior to the Closing Date, including, without limitation, all copyrights thereto
and  all  subroutines,  modules  and algorithms contained therein as well as all
present  and  predecessor versions or releases of such software programs and any
and  all  specifications  and documents necessary for or related to the use and
maintenance  of  such  sofiware programs, including but not limited to, all user
guides,  installation  guides,  narrative descriptions, file layouts, logic flow
diagrams,  source  and  load  modules,  output reports, test or other data, test
programs  and other related or necessary information that is owned, used or held
by  Seller  in  connection  with  such  software  programs.

Third  Party  Contracts
------------------------
Crossvue  Service  Agreement,  dated  as  of  December  17, 2003, by and between
Crossvue,  Inc.  and  Sport  Chalet.  Inc.

ReceiptCity.com  Service  Agreement Amendment, dated as of June 23, 2003, by and
between  Symbol  Technologies,  Inc.  and  Virgin  Entertainment.

TradeMmarks
------------
CROSSVUE     Classes  35, 39    U.S.  Application  No.  75/5  15063
MYRLCEIPTS   Class    42        U.S.  Application  No.  76/119601

                                      E-88
<PAGE>

Hardware/Software
-----------------

Hardware                       Software     Function
Clone  PC  (exmct4vr)
Clone  PC  (Irun)
Corripeg  Prolint  jrun2)
Sun Enterprise 220R (2  CPU)
(noummencer)
Sun Enterprise 220R (2  CPU)
(molly)
Sun  Storedge  A100

                               VeriSign Secuity certificate
                               For receiptcity.com (expired
                               10/31/2002))

                               ReceiptCity.com software
                               developed  by  @POS/
                               ReceiptCity/Crossvue

Staging  environment

Hardware                       Software     Function
Sun  Enterprise 220R
(hostname;case)
Sun  Enterprise 220R (2  CPU)
(romulus)
Sun  Storedge  A100
Sun  Enterprise 22OR (2  CPU)
(wintermute)

                                      E-89
<PAGE>

                                   Schedule 2

The assets below are not part of the transaction, but are currently in Buyer's
possession  and
shall  be  returned to Seller by the earlier of March 31, 2004 or the Closing of
this  Agreement.

Cisco  PIX  firewall
Dell  2550  (prodomniback)
Storagetek  L20

                                      E-90
<PAGE>

                                   Schedule 3

                              Assumed Liabilities
                              -------------------

None.

                                      E-91
<PAGE>

                                    Exhibit A

                          Seller's Disclosure Schedule
                         ------------------------------

Section  3.8  Disclosure of Third Party Intellectual Property Assertions
              --------------------------------------------------------------
Patent  Assertions  that  may  he  Rclevant  to  the  Crossvuc  Business

1.  Communication  Intelligence  Corporatien:

June  2002:  CIC  contacts  Bloomingdales  by  letter stating that CIC owns U.S.
patents  5,544,255;  5,644,655;  5,647017;  381S,955; 6,064,731.; and 6,091,835,
which  CIC  believes  relate  to electronic signature technology. CIC states its
belief  that  Bloomingdales  requires  9  license  under CIC's patent portfolio.

June  2002:  Federated  Department Stores, mc, patent of Bloomingdales, contacts
@POS  by  letter,  seeking  defense  and indemnification from POS for the claims
alleged  by CIC in connection with Federated's purchase of @POS 3100 and PenWare
3100  electronic  signature  pads.

January  2004:  Symbol  enters  into  an  OEM  License  and  Strategic Marketing
Agreement  under  which Symbol can bundle CIC signature technology software with
Symbol  products.

2.  NCR:

July  2003:  NCR  provides  notice  by  letter to Symbol that its U.S. Patent No
6j39,363  is relevant to at least Symbol's PenWare 1300, iPOS 3100, iPOS TX, and
iPOS  TC  terminals.  NCR  invites Symbol to explore 1icensng possibilities with
NCR.

January  2004:  Symbol  contacts  NCR  by  letter  informing NCR that Symbol has
reviewed  the  patent  and has no interest in exploring licensing possibilities.

3. Verve, LLC

November  2003:  Verve  contacts  Symbol  by  letter  identifying  U.S.  Patents
4,562,340  and  4,678,895  as of potential interest to Symbol, and by subsequent
letter  identifying  @POS  products  IPOS  TC,  IPOS  3100,  and  IPOS  TX
terminals/systems.

January  2004;  Symbol  contacts Verve by letter informing Verve that Symbol has
reviewed  the  '340  patent  and  has  no  interest  in  exploring  licensing
possibilities,  and  that  review  of  the '895 patent is ongoing due to a delay
because  the  Patent  Office  temporarily  lost  the  '895  file  history.

                                      E-92
<PAGE>

Section  6.1(g)  Required Consents
                  ----------------
None.

                                      E-93
<PAGE>

                                    Exhibit B

Buyer's Disclosure  Schedule
-----------------------------

None.

                                      E-94
<PAGE>

                                    Exhibit C

          Form of Assignment and Assumption Agreement and Bill of Sale
          ------------------------------------------------------------

     THIS ASSIGNMENT AND ASSUMPTION AGREEMENT ANd BILL OF SALE (the "Agreement")
is  made and entered into as of this 2nd day of March, 2004 by and among SiVault
Analytics, Inc., a Delaware corporation ("Buyer") and @POS.COM, Inc., a Delaware
Corporation ("Seller"). (Seller and Buyer are collectively referred to herein as
the  "Parties").  All  capitalized  terms  used in this Agreement shall have the
respective  meanings  ascribed to them in the Asset Purchase Agreement ( defined
below.

                              W I T N E S S E T H:

     WHEREAS,  the  Parties have entered into an Agreement for Purchase and Sale
of  Assets,  dated  as  of  March  2nd,  2004  (the "Asset Purchase Agreement"),
pursuant  to  which  Buyer  has  agreed  to  purchase  the  Assets;

     WHEREAS,  in  partial  consideration therefor, the Asset Purchase Agreement
requires  Buyer  to  assume  the  Assumed  Liabilities;  and

     WHEREAS,  it is the desire of Buyer and Seller that (a) the Assets be sold,
contributed,  conveyed,  transferred,  assigned  arid delivered to Buyer and (h)
Buyer  assume  the  Assumed  Liabilities.

     NOW,  THEREFORE,  in  and  for consideration of the premises and the mutual
covenants  contained  herein, and all other good and valuable consideration, the
receipt  and  legal sufficiency of which are hereby acknowledged, subject to the
terms  of  the Asset Purchase Agreement, the parties do hereby agree as follows:

A.  Assignment  and  Bill  of  Sale,

     1.  Seller hereby sells, transfers and assigns to Buyer, its successors and
assigns,  to have and to hold forever, all of Seller's right, title and interest
in  and  to the Assets. The Assets do not include any of the Excluded Assets, as
deflncd  in  the  Asset  Purchase  Agreement.

     2  Seller hereby covenants and agrees that it will, at the request of Buyer
and  without  further consideration, execute and deliver or cause to he executed
and delivered, such other instruments of sale, transfer and assignment, and take
such other actions as may reasonably be necessary to sell, transfer, and assign.
to, and vest in, Buyer, its successors and assigns, right, title and interest in
and  to  the  Assets.

     3.  The  foregoing provisions relating to the sale, transfer and assignment
of the Assets have been made by the Seller in accordance with the Asset Purchase
Agreement  and are expressly made subject to those liabilities, obligations and
oommitmcnts  that  Buyer  has  assumed  and agreed to pay, perform and discharge
pursuant to the provisions relating to the assumption of the Assumed Liabilities
appearing  hereafter.

                                      E-95
<PAGE>

                            B. Assumption Agreement.

     1. Buyer hereby assumes and agrees to pay, perform, or otherwise discharge,
as  and  when  the  same shall become due arid payable, the Assumed Liabilities.

     2.  Notwithstanding the foregoing, Buyer does not hereby assume or agree to
pay,  perform  or  otherwise discharge, and Seller shall remain liable for, from
and  after the date hereof, all liabilities or obligations of Seller other than
the  Assumed  Liabilities.

     3. Buyer hereby covenants and agrees that it will, at the request of Seller
and  without  further consideration, execute and deliver or cause to be executed
and  delivered,  all  such other written instruments or agreements of assumption
and  perfbrinance,  and take such other action as may he reasonably necessary to
give  effect  to  the  assumption  provided  for  in  this  agreement

C.  Further  Assurances. Seller shall from time to time, at the request of Buyer
and  without further cost or expense to Buyer, execute and deliver, or cause to
be  executed  and  delivered  by  its  Affiliates,  such  other  instruments  of
assignment,  conveyance  and  transfer  and take such other actions as Buyer may
reasonably  request  in  order  to  further  effectuate  the consummation of the
transactions  contemplated hereby. Buyer shall from time to time, at the request
of Seller and without further cost or expense to Buyer, execute and deliver such
instruments  and documents, and take such other actions as Seller may reasonably
request in order to farther effectuate the assumption of the Assumed Liabilities
arid  the  consummation  of  the  other  transactions  contemplated  hereby

D.  Miscellaneous.

     1  This Agreement shall be governed by and construed in accordance with the
laws  of the State of New York applicable to contracts executed and performed in
that  state,  without  giving  effect  to  conflicts-of-laws  principles.

     2.  This Agreement is being delivered pursuant to, and is subject to all of
the  terms  and conditions of the Asset Purchase Agreement. This Agreement shall
not be deemed to amend any provision of the Asset Purchase Agreement and, in the
event  of  any  inconsistency  between  the  Asset  Purchase  Agreement and this
Agreement,  the  former  shall  prevail.

     3.  This  Agreement  may  be  executed  by  facsimile  and in any number of
counterparts each of which shall be deemed an original but all of which together
shall  constitute  one  and  the  same  document.

                         [signatures on following page]

                                      E-96
<PAGE>

IN  WITNESS  WHEREOF,  the Parties hereto have executed this Agreement as of the
date  first  above  written.

SIVAULT  ANALYTICS,  INC.

By:
    ----------------------------

Name:
    ----------------------------

Title:
    ----------------------------

@POS.COM,  INC.

By:
    ----------------------------

Name:
    ----------------------------

Title:
    ----------------------------

                                      E-97
<PAGE>Master Agreement

     This  Agreement  effective  as  of  the  15th  day of September,.2004, (the
"Effective  Date") by  and  between Opus Software Solutions Pvt. Ltd, a company
incorporated  under  the  laws of the Republic of India, with offices at 201/202
Mayfair  Towers,  Shivaji  Nagar,  Pune, India, and with its US based registered
office  at  1480,  Route  9 North, Suite 203, Woodbridge, New Jersey 07095, USA,
collectively  referred  to  as  OPUS, and SiVault Systems Inc., a Public Company
incorporated in the State of Nevada corporation, having its principal offices at
1650  500  5t"  Avenue,  New  York,  NY  10110  (hereinafter  "SiVault").

WHEREAS

     (i)  OPUS  provides the combined product line of Electra-POS, Electra Card,
Electra  Recon,  mTalk,  Electronic  payment  gateway  (referred  to as ePG) and
Trendis  to  SiVault,  a  Point-of-Sale  driving and card issuing and management
software  product  from  its  Electra  product suite as defined in Appendix I to
serve  the  business  needs  of  SiVault.

     (ii) SiVault's business involves providing payment transaction acquirer and
issuer  processing  platform  using  Electra-Card  at a centralized managed data
center  facility,  which  will  allow  them  to setup, process and support their
customers  and  /  or  merchant needs in terms of card processing, card issuing,
transaction  authorization,  fee generation, and dispute handlings. SiVault will
also  drive  the  POS  devices  at  the  merchant  locations  using Electra-POS.

     (iii)  SiVault  understands  that  OPUS  will  customize  Electra  suite of
products  to meet its complete business and compliance requirements at a charge.

     (iv)  OPUS  will provide Electra-Card, Electra Recon and Electra-POS on one
hardware  and  software  configuration for SiVault. SiVault will need to procure
specific  hardware  and  software  from  third  party  vendors.  The  proposed
configuration  is  provided  in Appendix III. mTalk will be used for application
integration  on  Linux  environment.  ePG and Trendis will be hosted on separate
processing  environment.

     (v)  SiVault  wishes  to  certify Electra-Card and Electra-POS product with
VISA  and  Mastercard  for  transaction  authorization  and  routing.

     (vi)  The  Parties  are  desirous of recording the terms of their Agreement
relating  to  the  aforesaid and other matters as more particularly contained as
under:

1.  DEFINITIONS  &  INTERPRETATION

     In  this  Agreement  unless  the context or meaning requires, the following
terms  shall  have  the  meanings:

     "Agreement"  shall  mean this agreement and shall include all schedules and
Appendices  hereto.

                                      E-98
<PAGE>

"Acceptance" shall mean the date on which the customized Electra suite products,
i.e. software modules as described in Appendix I and customization undertaken in
agreement  with  SiVault,  has been installed at Location and SiVault has either
agreed  in  writing that the user acceptance tests were successful and completed
or  has gone live on the production system with any of the products at Location.

"Acquirer"  shall  mean  banks,  financial  institutions or Independent business
entities  on  whose  behalf  SiVault  drives  POS  devices  and  processes them.

     "Commencement  Date"  shall  mean  the  Effective  Date.

     "Card  Management  Platform" shall mean customized Electra-Card module from
Opus  Electra  Suite  of products that OPUS shall supply to SiVault for a price.

     "Delivery  Date"  shall  mean the date at which the customized Electra-Card
and  Electra-POS  software  modules  are  installed  at  Location.

     "Error"  shall  mean  a material failure of the customized Electra-Card and
Electra-POS  software  to  function  in  conformity  with  the  Specifications.

     "Issuer"  shall mean banks , financial institutions or Independent business
entities  on  whose  behalf  SiVault  issues  cards  and  processes  them.

     "Interchange  Networks"  shall  mean  external networks that will interface
with  the  combined  Card Management Platform and POS Driving system to send and
receive  authorizations  and  settlement.

     "Location"  shall  mean  the  premises  where  customized  Electra-Card and
Electra-POS  is  to  be  installed  by  OPUS  on  behalf  of  SiVault.

     "Offshore"  shall  mean  the  place at which the activities defined in this
Agreement  are  performed outside of United States and in the engineering center
of  OPUS.

     "Onsite"  shall  mean  the  place  at  which the activities defined in this
Agreement  are  performed  at  Location.

     "Offsite"  shall  mean  the  place  at which the activities defined in this
Agreement  are  performed  outside  the  Location  and within the United States.

     "Personnel" shall mean and include all employees and representatives of the
Parties  designated  to  do  any  such  acts,  deeds  as may be necessary and/or
beneficial  for  the  purposes  of  this  Agreement.

"POS  Driving"  shall mean customized Electra-POS module from Opus Electra suite
of  products  that  OPUS  shall  supply  to  SiVault  for  a  price.

                                      E-99
<PAGE>

     Services"  shall  mean  the  services provided by OPUS from time to time as
enumerated  in  this  Agreement.

     "Schedule" shall mean any attachment to this Agreement, or any subsequently
prepared  document,  which  the  parties  agree  to  in  writing.

     "Software License" shall mean non-exclusive and non-transferable license to
use  in  object  code  form  base  of  customized  &  certified Electra-Card and
Electra-POS  at Location for the duration of this Agreement and as per the terms
and  conditions  set  forth in this agreement. SiVault acknowledges that it will
only use the Software on the type of installation for which the license has been
granted  and  obtains  no  moral rights and rights of ownership of Electra suite
whatsoever.  The license is limited to customer primary site, but does not place
restriction  on  number  of Issuers and Acquirers on behalf of whom SiVault uses
the  license  to  provide  its services. The license granted entities SiVault to
copy  Electra  suite object code in machine readable form for archival or backup
purposes  provided  that  all titles, trademarks, and copyright, proprietary and
restricted  rights  notices  shall  be produced in all such copies, and that all
such copies shall be subject to the terms of this Agreement. The license granted
shall  not except to the extent as may be permitted by law, modify, translate or
create  derivative works based on the Software, nor reverse assemble, de-compile
or  reverse  engineer  the  Software,  whether in whole or in part, or otherwise
attempt  to  derive the source code, underlying ideas, algorithms, file formats,
programming  of  the  Software  or  any  files  contained in or generated by the
Software,  nor  shall it permit, whether directly or indirectly, any third party
to  do  any  of  the  foregoing.  SiVault  acknowledges  not  selling,  leasing,
encumbering,  sub-licensing,  transferring  or  assigning  the  Software  or any
proprietary notices or labels on the Software and remove any proprietary notices
or  labels  on  the Software. SiVault acknowledges that any new sites other than
primary  will  have  additional  charges  over  and  above  the  primary license
agreement  as  defined  in  Appendix  IV  of  the  agreement.

     "Software  Maintenance"  shall mean the Software License support activities
by OPUS after the Delivery date on the primary site Software License and SiVault
acknowledges  that  the  support  activities in no event shall OPUS be liable to
SiVault  for  loss of data, loss of profits or for indirect, incidental, special
or  consequential  damages  arising  out  of or in connection with the delivered
Software,  or  during  the delivery, installation, after delivery performance or
use  of the software if the said loss will have been caused by the negligent act
or  omission on the part of SiVault and failure on SiVault to provide a suitable
installation  environment,  use  of  products  or  materials  not  meeting  the
requirements and the installation Software for any other purpose other than that
for which it was designed to and the use of the Software on any computer systems
other  than  the  specified  software  and  hardware platform in this Agreement.
SiVault  acknowledges that the maintenance of the multiple site Software License
of customized and certified Electra suite will imply additional charges over and
above  the  charges to the primary site Software Maintenance to be paid to OPUS,
as  defined  in  Appendix  IV  of  this  agreement.

     "Specifications"  shall  mean published product definitions specific to the
implementation  of  SiVault  and  signed  off  by  both  the  parties.

2.  OPUS  SERVICES

     OPUS  shall  provide  and  SiVault  will  purchase the Electra suite module
licenses as described in Appendix I, customization, implementation, training and
maintenance  services  from  OPUS  as  described  below.

                                      E-100
<PAGE>

2.1.  License
The  core  license  covers  POS  driving  and  routing,  Store  &  Forward, card
application  processing, debit card issuing, PIN generation & verification, card
transaction  authorization,  fee  &  interest  calculation,  settlement  and
chargebacks,  merchant  management and system administration, electronic payment
gateway,  Trendis executive information system and mtalk integration services as
defined  in  Appendix  I.

2.2.  Customization

2.2.1  Customization  services  are the changes that will be made by OPUS to the
     base  Electra  suite  of  products to suit SiVault's specific requirements.

2.2.2     SiVault  will  decide upon the customization of the software from OPUS
and  may  choose  to  do  it  on  a  priority  basis,  in  a  phased  manner.

2.2.3     The  phase  I  of  customization  priorities  will  be  defined in the
Customer  Specification  Document  (CSD)  as  described  in  Appendix II of this
agreement.

2.2.4     All  further  phases  of  customization will be in accordance with the
Change  Control  procedure  as  described  in  Appendix  II  of  this Agreement.

2.2.5     The customization will be performed offshore as per the Specifications
signed-off  by  both  parties.

2.3.  Implementation

2.3.1     Implementation services at Location will be installation of customized
version  of  Electra  suite,  production  planning and setup, certification with
Interchange  networks  /  interfaces  excluding  mandates,  Acceptance  Testing,
Training,  Go-Live and post Go-live support for 10 business days including month
end  processing.

2.3.2     The  Acceptance Testing will be conducted as defined in Appendix II of
this  agreement.

2.3.3     OPUS personnel will provide the implementation services at Location as
per  Specifications  with  the  help  of  SiVault  personnel(s).

2.4.  Training

2.4.1     OPUS  will  train  10 (Ten) SiVault personnel's for 10 working days on
the  Software  License.
Maintenance

2.5.1     OPUS  will provide maintenance services for five years at charge after
Delivery Date for the customized Software License covering defect correction and
compliance  with  the  mandates  within the time lines required of the supported
Interchange  Networks  that are then linked with the customized Electra-Card and
Electra-POS.

2.5.2     The maintenance activities will be performed Offshore and released for
implementation  by  SiVault.

                                      E-101
<PAGE>

3.  SiVault's  RESPONSIBILITIES

3.1     Review  and  Sign-off project related functional and technical documents
presented  by  OPUS.

3.2     Set  up  necessary  infrastructure  for  implementing  the  customized
Electra-Card  and  Electra-POS  for  SiVault  including  associated  third party
software  &  hardware  at  Location.

3.3     Implement  power  protection,  provide  adequate security at Location to
safeguard  the  implemented  system  from  external  factors that may hamper its
functioning.

3.4     Provide  skilled  personnel at Location to operate SiVault's implemented
system  in  at  least  two  shifts  to  operate  and  manage  the  installation.

3.5     Maintain  and  monitor data communications links between the implemented
system  and  other  external  Interfaces  at  Location.

3.6     Provide  60 days advance written notice for growth in transaction load /
account  base  /  POS  devices  to  enable  OPUS to propose suitable measures in
advance  to  improve  infrastructure  processing  capabilities.

3.7     Acceptance  testing  and  production planning of the delivered system at
Location  with  OPUS.

3.8     Interchange network / interface certification testing of the implemented
system  at  Location  with  OPUS  before  go-live.

3.9     Reconciliation  and  settlement  with  networks  /  other  interfaces.

3.10  Provide  Virtual  Private Network (VPN) connection for OPUS after software
installation  to  have  full-access  to  the  install  base.

3.11  Provide and follow Change Control procedures for changes as defined in the
Appendix  II  of  this  Agreement.

4.     SOFTWARE  MODULES
As  described  under  Appendix  I

5.     STATEMENT  OF  WORK
As  described  under  Appendix  II

6.     PROCESSING  ENVIRONMENT
As  described  under  Appendix  III

7.     PRICING  SCHEDULE
As  described  under  Appendix  IV

8.     CONFIDENTIALITY  AND  PROTECTION  OF  DATA

8.1.     OPUS  is aware that in the course of the performance of its obligations
under  this  Agreement  they  may be given or communicated or be privy to Client
Data.  All such facts and information which may be given or communicated to OPUS
or  to  which they may be privy pursuant to or in connection with this Agreement
or  the  course  of performance of the Services shall be treated as confidential

                                      E-102
<PAGE>

and  OPUS  undertakes  for  itself and its Personnel that the same shall be kept
secret  and shall not be disclosed in whole or in part to any person or used for
any  purpose  other  than:

8.1.1  As  maybe  necessary  for  the  performance  of the obligations hereunder

8.1.2  When  required  by  or  under  any  law

8.1.3 When compelled so to do by any court of competent or regulatory authority.

8.2.     Each  party shall treat as confidential and keep secret all information
relating  to  each  other's business and will not disclose the same to any third
party except as may be required to perform the obligations under this Agreement.
Provided  that  all  such  disclosures shall only be limited on a "need to know"
basis and the Parties shall continue to be liable to maintain confidentiality of
all  such  information  disclosed  to  third  parties.

8.3.     SiVault  shall  take all reasonable care in maintaining the security of
the  systems,  software  and  hardware  involved  in  rendering of the Services.
SiVault will install appropriate firewall programs at the Location to secure and
protect  the  production  servers  from  any  hacking  attempt  or  data damage.

8.4.     In  the  event of either Party appointing any third party for provision
of  any  related services or any pre-requisites required for the purpose of this
Agreement,  they  shall  ensure  that  such  third  party  complies  with  the
confidentiality  obligations  under  this  Agreement.

8.5.     The provisions of this Article shall survive the termination and expiry
of  this  Agreement.

9.  LIABILITY  LIMITATIONS  AND  DISCLAIMERS

OPUS  shall  not  be  responsible  for  any  act  or  omission  which  could  be
attributable  to  a  default  of  any  other  person, other than OPUS, including
without  limitation any error or failure or inability of the external interfaces
linked  with  the  Electra  suite  software.

OPUS  SHALL  HAVE  NO  LIABILITY  WITH  RESPECT  TO  ITS  OBLIGATIONS UNDER THIS
AGREEMENT  OR  OTHERWISE  FOR  CONSEQUENTIAL,  EXEMPLARY, SPECIAL, INCIDENTAL OR
PUNITIVE  DAMAGES  EVEN  IF  IT  HAS  BEEN  ADVISED  OF  THE POSSIBILITY OF SUCH
DAMAGES.THIS  NO  LIABILITY  LIMITATION  APPLIES  TO ALL CAUSES OF ACTION IN THE
AGGREGATE,  INCLUDING  WITHOUT  LIMITATION  TO  BREACH  OF CONTRACT, NEGLIGENCE,
STRICT  LIABILITY,  MISREPRESENTATIONS, AND OTHER TORTS. BOTH PARTIES UNDERSTAND
AND AGREE THAT THE REMEDIES AND LIMITATIONS HEREIN ALLOCATE THE RISKS OF PRODUCT
AND  SERVICE  NONCONFORMITY  BETWEEN  THE  PARTIES  AS AUTHORIZED BY THE UNIFORM
COMMERCIAL  CODE  AND OF OTHER APPLICABLE LAWS. THE FEES HEREIN REFLECT, AND ARE
SET IN RELIANCE UPON, THIS ALLOCATION OF RISK AND THE EXCLUSION OF CONSEQUENTIAL
DAMAGES  SET  FORTH  IN  THIS  AGREEMENT.

                                      E-103
<PAGE>

10.TERMINATION

This  Agreement  shall  become  effective as of the Commencement Date as defined
herein  and  shall  remain  valid unless otherwise terminated in accordance with
this  Agreement.

SiVault or OPUS may terminate this Agreement at any time after the expiration of
five  years  from the date of this Agreement by giving not less than ninety (90)
days previous written notice. This clause and its terms, will also be applicable
if  SiVault  terminates  this  Agreement  any time before the expiration of five
years  from  the  date  of  this  Agreement.

On  termination,  SiVault  shall  immediately cease all use of the Services from
OPUS  and  continue  using  the  Software  License object code, but shall remain
liable  for  all  unpaid  fees  and  charges  incurred  prior to the date of the
termination  and  for  any  balance fees and charges payable as per Appendix IV.

11.  PROPRIETARY  RIGHTS

SiVault  acknowledges  and  agrees that the copyright, patent, trade secret, and
all  other  intellectual property rights of whatever nature in the Electra suite
Software  and  Documentation  are  and  shall  remain  the property of OPUS, and
nothing  in  this  Agreement  should be construed as transferring such rights to
SiVault  or  any  third  party.

OPUS  acknowledges  and agrees that the copyright, patent, trade secret, and all
other  intellectual  property  rights  of  whatever  nature  in the products and
Documentation  that  are  owned  by SiVault are and shall remain the property of
SiVault,  and nothing in this Agreement should be construed as transferring such
rights  to  OPUS  or  any  third  party,  unless  mutually  agreed.

12.  NEW  JERSEY  LAW

This  Agreement will be governed by and construed in accordance with the laws of
the  State  of New Jersey, U.S.A. The parties hereby consent to the jurisdiction
of  the  courts of the State of New Jersey, U.S.A. for the purpose of any action
or  proceeding  brought  by  either  of  them in connection with this Agreement.

13.  MISCELLANEOUS

13.1.  Counterparts
This  Agreement may be executed simultaneously in two or more counterparts, each
of  which  shall  be  deemed  to  be an original and all of which together shall
constitute  the  same  agreement.

                                      E-104
<PAGE>

13.2.  Force  Majeure

OPUS  shall  not  be  liable  for failure or delay in performing its obligations
hereunder if such failure or delay is due to circumstances beyond its reasonable
control,  including,  without  limitation,  acts  of any governmental body, war,
insurrection, sabotage, embargo, fire, flood, strike or other labor disturbance,
interruption of or delay in transportation, unavailability of or interruption or
delay  in  telecommunications  or  third  party services, failure of third party
software  or  inability  to  obtain raw materials, supplies, or power used in or
equipment  needed  for  provision  of  the  Services.

13.3.  Non-Partnership

Nothing  in  this  Agreement shall be deemed to constitute a partnership between
the  parties or otherwise entitle SiVault to have authority to bind OPUS for any
purpose.

13.4.  Severability

If  any provision of this Agreement is agreed by the parties to be illegal, void
or  unenforceable  under  any  law  that is applicable hereto or if any court of
competent  jurisdiction  in a final decision so determines, this Agreement shall
continue  in  force  save that such provision shall be deemed to be deleted here
from  with  effect  from  the date of such agreement or decision or such earlier
date  as  the  parties  may  agree.

13.5.  Interpretation

In  this  Agreement,  unless  otherwise stated, a reference to a clause or to an
appendix  is  to a clause or to an appendix; words in the singular shall include
the  plural  and  vice  versa.
headings in this Agreement are for convenience only and are not intended to have
any  le  effect  and  words  denoting  persons  shall  include bodies corporate,
unincorporated, associations  and  partnerships.

13.6.  Notices

Except as otherwise provided in this Agreement, any notice to be given hereunder
shall  be  in  writing and may be served by being sent by facsimile or posted by
registered  post  or  by  courier  or  delivered  by hand to the below mentioned
mailing  address.

SiVault  Systems,  Inc.,
Suite  1650-500  5th  Avenue
New  York,  NY  10110
Attention:  lonatan  Schmidt

13.7.  Non-Solicitation

During  the  term  of  this  Agreement  and for a period of one year thereafter,
neither  party  shall  solicit  the  service  of  the  personnel  of  the other.

                                      E-105
<PAGE>

13.8.  Construction

This  agreement  does  not  limit  or  restrain  the  right  of  OPUS to execute
agreements  for  providing  similar  software  services  and applications or any
components  thereof  with  other  entities  or  organizations.

In  witness  whereof  the  duly  authorized  representatives of the parties have
submitted their  signatures  herein  below:

For  and  on  behalf  of           For  and  on  behalf  of
OPUS                               SIVAULT

/s/ Paresh Banerjee                Emilian Elefteratos
Authorized  Signatory              Authorized  Signatory
Paresh Banerjee                    Emilian Elefteratos
Director - Operations              Chief  Executive  Officer

                                      E-106
<PAGE>

Appendix  I  -  Software  Modules

This  Appendix  provides  a  list  of  software  modules  of  Electra-Card  and
Electra-POS  that  will  be  implemented  at  SiVault  Location.

                                      E-107
<PAGE>

Appendix  II  -  Statement  of  Work

This  Statement  of Work ("SOW") for the Agreement between SiVault and OPUS sets
forth  the  following:

1.     The  services  that  OPUS  will  provide  to  SiVault  for  supply,
implementation,  and  support  of  Electra  suite  for  this  project.
2.     The  tasks  that  SiVault  will  undertake  for  this  project.

1.  Project  Scope  and  Services

1.1  Phases  and  tasks
Project  Phase                 Tasks  and  Services
-----------------------------  --------------------
                               Project  Initiation
                               -------------------
                               Project  Management
                               -------------------
                               Project  Processes  Setup
                               -------------------------
                               Product  Integration  Review  (PIR)  and  Gap
Project  Definition            Analysis External  System  Interface
-----------------------------  ---------------------------------------------
                               Customization of Electra suite modules (as in
                               Appendix I) in accordance with Gap Analysis
                               and priorities
                               ---------------------------------------------
                               Installation of Electra suite modules at
                               SiVault
                               ---------------------------------------------
                               Integration  Tests
                               ------------------
                               User  Acceptance  Tests
                               -----------------------
Project  Execution             Production  Setup  including  data  for  go-live
-----------------------------  ------------------------------------------------
                               Go-live
                               -------

                               Onsite  support  for  Go-live
                               -----------------------------
Project  Support               Maintenance  support
-----------------------------  --------------------

                                      E-108
<PAGE>

1.1.1  Project  Initiation

1.     SiVault  and  OPUS  shall  hold  a  formal  `kick-off'  meeting.

2.     Each  party shall nominate a Project Manager who will each be the `single
point-of-contact'  for  the  duration  of  the  Project.

3.     SiVault  shall  nominate  senior  executives to a Steering Committee that
will  provide  oversight  to  the  Project  and  resolve  issues  and  problems.

4.     OPUS  shall  nominate  one  senior  manager  as its representative on the
Steering  Committee.

5.     SiVault  Project  Manager  shall  furnish  status reports to the Steering
Committee.

6.     SiVault  must  ensure that the Committee meets monthly to review progress
and  discuss  issues  with  the  Project  Manager(s).

1.1.2  Project  Management

SiVault  and  OPUS  Project  Managers  will  have the primary responsibility for
bringing  the  project  to  a  satisfactory conclusion. They will be responsible
throughout  the  course  of  the  Project  to:

1.     Develop and maintain project management plans, schedules, risk management
plans,  etc.

2.     Monitor  the  status  of  the  project.

3.     Identify  problems,  take  corrective/preventive measures and escalate to
the  appropriate  authority/Steering  Committee  when  necessary.

4.     Generate  regular  status  reports.

5.     Conduct  regular  status  meetings.

6.     Keep  the Steering Committee informed of project status and progress, and
present  project  status  when  invited.

7.     Manage  and  control  changes  as  and  when  they  occur.

1.1.2.1  OPUS  Project  Manager

The  OPUS  Project  Manager  will:

1.     Submit  weekly  status  reports to the SiVault Project Manager. This will
provide  status  of  tasks complete, tasks scheduled for the following week, and
identify  issues  that  require  the  attention  of  SiVault.

2.     Maintain  liaison  with  OPUS  consultants  and  development  team  for
customization  related  issues.

3.     Handle  issues  and  changes  that  may  occur  during  the course of the
Project.

1.1.2.2  SiVault  Project  Manager

1.     SiVault  Project  Manager  will  coordinate  technical  discussions/
clarifications with business partners such as banks, issuers, card associations,
etc.

2.     Facilitates  in  resolving  issues  raised  by  OPUS  Project  Manager.

                                      E-109
<PAGE>

1.1.3  Set-up  of  Project  Processes

SiVault  and  OPUS  Project  Managers  will  mutually  define standards that all
members  of  the  Project  Teams  will  follow.  These will cover the following:

1.     Definition  of  Project  Standards.

2.     Formats  and  frequency  of  documents such as status reports, management
reports  for  the  Steering  Committee,  etc.

3.     Standardization  on  tools  (e.g.  MS  Project  for  project scheduling).

4.     Change  Control  process.

5.     Project  Tracking.

6.  Incident  Tracking.  Project Managers may jointly agree to define other
processes  as  well.

1.1.3.1  Project  Standards  Workbook

The  document  containing  the  agreed  standards, formats and processes will be
termed  as  the  Project  Standards  Workbook,  or  PSW.

1.1.4  Product  Integration  Review  and  Gap  Analysis

OPUS  personnel  will  undertake  this  exercise  on-site  with  various SiVault
personnel.  The  objectives  will  be:

1.     Decide  upon  the  scope  of  the  project.

2.     Identify gaps (if any) between SiVault requirements and standard features
of  Electra  suite.

3.     Decide  on priorities for development and delivery of any additional
functionality  that  SiVault  requires.
This  phase  will  encompass  the  following  major  activities:

1.     Presentation  by  SiVault  of its priorities, requirements, concerns, and
project  deadlines.

2.     Meetings  between  OPUS personnel and various levels of SiVault personnel
to gain a detailed understanding of existing practices and requirements from the
new  System.

3.     Presentation  by  OPUS  of  the features and facilities of Electra suite.

4.     Definition  of  gaps  between  requirements  and  Electra suite features.

1.1.4.1  Customer  Specification  Document  (CSD)

1.     The  principal  deliverable is the Customer Specification Document (CSD).

2.     This  formal  document  will  describe  all  gaps.

3.     OPUS  will  submit  the  CSD  to  SiVault  for  approval  and  sign-off.

4.     OPUS  will  use  the  CSD as the basis for user acceptance of the system.

                                      E-110
<PAGE>

1.1.4.2  Revision  to  the  schedule

1.     The  OPUS  Project  Manager  may  revise  the overall project schedule in
consultation with the SiVault Project Manager depending upon the effort and time
required  to  fulfill  the  gaps  identified  in  the  CSD.

1.1.5  External  System  Interface
The  Electra-Card  and  Electra-POS  system  needs  on-line links to: a) VISA b)
Mastercard

1.1.5.1  Message  formats
Electra-Card  and Electra-POS will adhere to the published interchange interface
specifications.  SiVault  will  furnish  data  about  message  formats for these
interfaces.

1.1.5.2  File  formats
OPUS  and  SiVault  will  finalize the format of all files that interchange will
exchange  via  batch  upload  processes.

1.1.5.3  Sample  Files
SiVault  will  provide OPUS with sample files that it exchanges with the systems
mentioned  above  for  testing  in  India.

1.1.6  Customization  of  Electra  suite
OPUS  will  use  the approved Customer Specification Document (CSD) as the basis
for  all  customization.  Therefore, OPUS will undertake impact analysis, effort
estimation  and  cost, design, development, and testing only upon receipt of the
CSD.

As  mentioned  in  clause  3.1.4.2,  customization may affect the implementation
schedule.

1.2  Project  Execution

1.2.1  Installation  of  software  at  SiVault

1.     SiVault  will  acquire and install all required hardware, system software
and  associated  infrastructure  in  accordance  with  the  agreed  schedule.

2.     Upon  confirmation  of  the  above, OPUS will dispatch its implementation
team  members  to  SiVault.

3.     The  Team  will  install base version of Electra suite; carry out initial
configuration  and  set  up  activities.

4.     After  carrying out the customizations, if any, the team will install the
customized  version of Electra suite and will carry out integration testing with
other  external  systems.

SiVault  will  provide  general  support  to the OPUS team such as work area, PC
workstations,  Internet  access,  telephones  with  long  distance,  etc.

                                      E-111
<PAGE>

1.2.2  Integration  Testing

1.     After  set-up,  the  OPUS  Implementation Team will inform SiVault of its
readiness  to  conduct  integration  testing.

2.     The  Implementation  Team  will  conduct  end  to end tests with VISA and
MasterCard.

3.     SiVault  will assist the OPUS Team to ensure connectivity with the Switch
and  other  networks.

4.     SiVault  will  ensure  the  availability of test environment required for
integration  testing.

1.2.3  Certification

1.     SiVault  will schedule the pre-certification and certification tests with
VISA  and  Mastercard.

2.     OPUS  implementation  team  will  assist  SiVault  in  the  certification
process.

1.2.4  Training

1.     OPUS  and  SiVault  Project Managers will jointly develop a training plan
that  will  define:

-  Outline  of  each  course.
-  The  profile  and  prerequisite knowledge of participants for each course.
-  Approximate  schedule  of  the courses. Courses may be held before and after
the  User  Acceptance  Test.

2.     Training  will  be  conducted  for  a  maximum  period of 7 working days.

3.     Training  will  include  formal  class-room  and  on-the-job  sessions.

4.     The  training  will  include  implementation  of  patches  and  updates.

1.2.5  User  Acceptance  Testing  (UAT)

1.     The  OPUS  Project Manager and the SiVault Project Manager will determine
which  functions  require  acceptance  testing before hand over. SiVault Project
Manager  will  develop,  with  the  assistance  of  OPUS,  acceptance  criteria.

2.     OPUS will notify SiVault about its readiness for user acceptance testing.

3.     SiVault shall commence UAT within 3 working days from the date of receipt
of  notification.

4.     SiVault  shall  complete the UAT within 10 business days from the date of
commencement  of  UAT.

5.     Defects/shortcomings detected during UAT will be categorized as critical,
to  going  live,  and  non-critical  after  discussion between SiVauit and OPUS.

6.     OPUS  will  deliver  the  customized  Electra-Card  and Electra-POS after
rectifying  the defects or resolving the shortcomings. SiVault will complete the
second  cycle of UAT in not more than 5 business days from date of commencement.

7.     SiVault  will  sign-off  the  acceptance  document  when  all  critical
defects/shortcomings  have  been  resolved.

                                      E-112
<PAGE>

8.     OPUS  will  support  the  UATTeam  during  UAT.

9.     The  Team  will  report  any  defects/shortcomings  to  the  OPUS  Team.

10.  OPUS  will  investigate  and  fumish  remedies.

11. The UAT Team will run the UAT to ensure that OPUS has resolved the problems.

12.  The  UAT  Team  will  report  the  successful  conclusion  of  the  UAT.

13. SiVault Project Manager and .Steering Committee will sign-off the acceptance
of  the  system.

14.  The  customized  Electra-Card and Electra-POS will be deemed accepted if no
material  defect  was  reported  within  the  UAT  period.

1.2.6  Go-Live

1.     SiVault  will  initiate  all necessary steps to go-live on the customized
Electra-Card  and  Electra-POS.

2.     OPUS  Team  will  provide  due  assistance  in migration and other allied
activities.

1.3  Project  Support

1.3.1  Support  Plan
The  OPUS  team will work with SiVault to impart an adequate level of operations
and  systems  knowledge  to  SiVault  personnel.
OPUS will work jointly with SiVault to develop a support plan document that will
cover  the go-live phase, the warranty phase, and on-going post-warranty period.

1.3.2  On-Site  Support  during  go-live
The  OPUS  implementation  team  will provide go-live support for a period of 10
working  days  including  month-end  processing.  The  dates of go live shall be
scheduled, after mutual discussion between SiVault and OPUS, such that month-end
processing  occurs  during  or  close  to the go-live support period of 10 days.

1.3.3  Maintenance  support

1.     This  agreement  and  the  Support  Plan  will govem the support services

2.     OPUS  will  provide  SiVault  with  fixes to any problems reported on the
delivered  software  at  the  time  of  go-live.

3.     OPUS  will also respond positively to meet periodic requests from SiVault
for  changes  and  enhancements in accordance with agreed change control process
defined  below.

4.     SiVault  will  have  to  provide  all  the  documentation  and supporting
materials  for  the  software  mandates  to  be  performed  by  OPUS.

                                      E-113
<PAGE>

2.  PROJECT  DELIVERABLES

The  following  is a list of task/items that OPUS and/or SiVault must accomplish
under  this  SOW:
<TABLE>
<CAPTION>
Particulars                                              Responsible
-----------------------------------------------------  ----------------
<S>                                                    <C>

Electra suite and its customization                    OPUS
-----------------------------------------------------  ----------------
Project Standards Workbook                             OPUS and SiVault
-----------------------------------------------------  ----------------
Customer Specifications Document                       OPUS and SiVault
-----------------------------------------------------  ----------------
Acquisition of hardware, software and installation at
SiVault                                                SiVault
-----------------------------------------------------  ----------------
Project Management Services                            OPUS and SiVault
-----------------------------------------------------  ----------------
Unux Set-up, Installation of BEA Tuxedo, Oracle
RDBMS Database Creation, etc.                          OPUS and SiVault
-----------------------------------------------------  ----------------
Electra-Card, Electra-POS, other Electra products (as
in appendix I) Installation, Integration Testing,
System Testing, UAT Support, Certification Support,
Production Setup, Go Live support, Post Go Live
support                                                OPUS
-----------------------------------------------------  ----------------
UAT                                                    SiVault
-----------------------------------------------------  ----------------
User Documentation                                     OPUS
-----------------------------------------------------  ----------------
Operational Documents                                  SiVault
-----------------------------------------------------  ----------------
Training                                               OPUS and SiVault
-----------------------------------------------------  ----------------
Maintenance                                            OPUS
-----------------------------------------------------  ----------------
</TABLE>

3.  RESPONSIBILITIES

SiVault  will  have primary responsibility to maintain and operate the hardware,
software,  and  network  required  to  support  the  delivered  system.

SiVault  is  responsible  for  the  identification  and  interpretation  of  any
applicable  laws,  regulations,  and  statutes  that affect the existing SiVault
application  system  or  programs  that  OPUS  will  have  access to during this
Project.  It  is  the  responsibility  of SiVault to assure that the systems and
processes  meet  the  requirements  of  those  laws.

4.  Change  Control  Process

The  "Change  Control  Process"  governs  changes  to the scope and Deliverables
during  the  life of the Agreement. The purpose of this process is to coordinate
and  properly  document  the  development,  installation,  and evaluation of new
features  and  functionality during the Project. The Change Control Process will
be  implemented  after  go-live  and  will  continue  throughout  the  Project's
duration.  OPUS  will charge SiVault for any changes that are not defined in the
Software  Modules from the Appendix I of this agreement. The fees will be as per
the  Customization  charges  outlined  in  the  Appendix  IV  of this agreement.

                                      E-114
<PAGE>

                      Appendix III - Processing Environment

The  Annexure  describes  the  infrastructure  that  SiVault  will  procure  for
implementing  Electra-Card  and  Electra-POS.

<TABLE>
<CAPTION>
<S>                  <C>
-------------------  ------------------------------------------------------------------------
Hardware             i. Dell PowerEdge High-end Servers each with:
                     D 2 * 2.4GHz Intel Xeon processors.
                     4 GB memory.
                     D 2 * 36 GB internal Disk Drives
                     D CD ROM, DAT Drive
                     2 * power supplies
                     10/100 BaseT Fast Ethernet PCI Adapter
                     2 Intel 100/1000 NIC cards
                     D Controllers Cards, Rapid Rail Racks
                     Disk array for external disk drives
                     2. Two Atalla or Thales or Eracom Host Security Modules
-------------------  ------------------------------------------------------------------------
Operating Systems    RED HAT Linux AS 2.1
-------------------  ------------------------------------------------------------------------
Clustering Software  Veritas Cluster Software for fail over, with Oracle HA Agent - Optional
-------------------  ------------------------------------------------------------------------
                     Veritas Foundation Suite for disk management - Optional
RDBMS                CPU Oracle 9i standard edition for 2 * 2 CPU system - Optional
-------------------  ------------------------------------------------------------------------
                     (assume it comes with the Hardware)
Middleware           ~fier II BEA Tuxedo license for 2 * 2 CPU system
-------------------  ------------------------------------------------------------------------
</TABLE>

                                      E-115
<PAGE>

                          Appendix IV - Price Schedule

OPUS  shall  charge  SiVault  as per the price structure below from Commencement
date  for  a  period  of  30  months  as described below. The OPUS Electra suite
primary  site  Software License will be $ 620,000.00 for 3500 POS devices driven
by  Electra-POS  and 250,000 cards issued by Electra-Card; excluding third-party
software  and hardware, as applicable. The primary site Software License fees of
$  620,000.00  will  be  paid by SiVault in monthly installments with 10% annual
interest  rate.

1.  Total  down  payment  is  $  100,000.00

1.1     First  portion  of  Software  License  down  payment  due  on  contract
initiation:  $
50,000.00

1.2     Second  portion  of Software License down payment is due on commencement
date,  expected  to  be  approximately  two  weeks  from contract initiation : $
     50,000.00  2.  Third  Party  Software:

2.1  Opus and SiVault agree to negotiate in good faith the potential for Opus to
finance  the  cost  of the third part software (ORACLE 91 STANDARD EDITION for 2
CPUs  at  $  21,000  and  BEA TUXEDO VER 7.1 at $ 19,500) as part of the overall
project,  without  an  increase  in  the  initial  down-payments.

3.  Remaining  License  fee:

3.1     Monthly  payments  starting  90 days from commencement date, for month 1
thru  month  30  :  $  16,832.54  per  month

4.  Monthly  maintenance  fee:

OPUS  shall  charge SiVault an annual maintenance fee of 20% (Twenty Percent) of
the  delivered  Electra  suite software (excluding third-party software) for the
agreement  period  commencing  from  the  Delivery date and shall subject to the
following  conditions.

1.     The  monthly  maintenance  fee  for the base Software License $ 10,333.33

2.     Maintenance  fee for additional customization (not known at present) will
be  charged  at 20% of the total actual development cost agreed by both parties.

3.     Monthly Maintenance fee for Additional Modules will be charged as defined
below  in  Section  8.

4.     The  total monthly fee for Software License and additional customizations
(if any) will be paid at the commencement of each month along with the Remaining
License  fee monthly payments and will continue for five years from the Delivery
date

5.     SiVault's  payments  of  the  monthly  maintenance fee will be based on a
revenue  share  program,  defined  as:

a.     75%  of  SiVault's  monthly  profits  will  be  applied  to  the  monthly
maintenance  fee,  up  to  the  full  amount  of  the  monthly  maintenance fee.

b.     Should  75% of SiVault's monthly profit not equal any month's maintenance
fee,  the  unpaid  portion  would  accrue  and  be  added  to  the  next month's
maintenance  fee.  The  accrual process would continue until such time as 75% of
SlVaults  monthly  profit  exceeds both the then current monthly maintenance fee
and  all  previous  accruals  of  unpaid  maintenance  fee.

c.     If  the  accrued,  unpaid  maintenance  fees  exceed  one  year's  total
maintenance  fee,  SiVault  would  be  deemed  as  in  default,  and  Opus would

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cease supporting SiVault. Ownership of the software license would revert back to
Opus.

d.     SiVault agrees to provide their monthly financial statements and business
forecast  to  Opus.

5.  Implementation  charges:

OPUS  shall  charge  SiVault for any additional implementation charges on a time
and  material  basis  for additional implementation services provided as part of
this  Agreement.  These  charges  will  depend  upon  the  nature of the service
involved  and  are  as  described  below:

3.1     Work  executed  Offshore  at  OPUSs  engineering  center  in  India:

3.1.1  Hourly  charges  for  developers:  US$  35.00

3.2     Work  executed  Onsite  in  the  USA:

3.2.1  Hourly  charges  for  developers:  US$  80.00

All  Implementation  fees  will  be  paid  in  full by SiVault to OPUS after the
Delivery  date  not  to  exceed  more  than  one  month  in  payment  delay.

6.  Customization  charges:

OPUS  shall  charge SiVault for any customization charges on a time and material
basis  for  additional  development  effort  on  the Software License before the
Delivery date. These charges will depend upon the nature of the service involved
and  are  as  described  below:

3.1     Work  executed  Offshore  at  OPUSs  engineering  center  in  India:

3.1.1  Hourly  charges  for  developers:  US$  35.00

3.2     Work  executed  Onsite  in  the  USA:

3.2.1  Hourly  charges  for  developers:  US$  80.00

All  customization  fees  will  be  paid  in  full  by SiVault to OPUS after the
Delivery  date  and  not  to  exceed  more  than  one  month  in  payment delay.

7.  Third-party  License  Fee

The  third-party software and hardware license fees associated with the Software
License  will  be  paid  by  SiVault  separately  to  the  third  parties.

8.  Software  Training

OPUS  will  conduct  the  onsite  training  free  of charge for 10 users and not
extending  more  than  10  working  days.  Any  additional training time will be
charged  hourly  at  US  $80.00  including  weekends  and  holidays.

9.  Travel  Expenses,  Accommodation  &  Per  Diem  :  Variable  component

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All  expenses  related to travel, accommodation for OPUS consultants involved in
implementing  and  support  of  the  software  solution  Onsite will be borne by
SiVault.  SiVault  will  also  pay  a  per diem of US $60 day per consultant for
consultants  involved  in  the  Onsite  implementation.  To  be  paid  with
Implementation  Charges.

10.Taxes,  Duties  And  Levies  :  Variable  Component

All  taxes,  duties  and levies that may be incurred by OPUS with respect to the
software  implementation  for SiVault will be extra and charged to SiVault on an
actual  basis.  To  be  paid  with  monthly  payments,  if  applicable.

11  .LATE  FEE:  2%  of  Due  Amount

OPUS  may charge a late fee at the rate of two percentage of the due amount, for
each  delinquent  month  from  the  payment due date as specified in the invoice
raised.

For  and  on  behalf  of           For  and  on  behalf  of
OPUS                               SIVAULT

/s/ Paresh Banerjee                Emilian Elefteratos
Authorized  Signatory              Authorized  Signatory
Paresh Banerjee                    Emilian Elefteratos
Director - Operations              Chief  Executive  Officer

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