Document:

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                              JOINT MARKETING AGREEMENT

                                       Between

             NEWGEN RESULTS CORPORATION ("Newgen"), a Delaware Corporation

                                          And

           PERCEPTA LLC ("Percepta"), a Delaware Limited Liability Corporation

WHEREAS Percepta has the mandate to provide Customer Relationship Management
(CRM) services to consumers and dealers of all the Ford Motor Company brands;
and

WHEREAS Newgen has a range of CRM and e-CRM products and services which have
proven to provide substantial benefits to consumers, dealers and Ford Motor
Company brands, including:

             -  "RESULTS" owner loyalty system - This system combines the use
                of a sophisticated "activity engine" with digital printing,
                e-mail and call center activity to create a "closed loop"
                customer retention process.

             -  "Connections" - Newgen provides the capability to survey
                dealership customers through a cost-effective combination
                of an Internet enabled dealership kiosk, e-mail and telephone.

             -  "Carabunga.com" - Carabunga.com is a browser based portal
                enabling data access drill down analysis, mapping and
                promotions fulfillment utilizing digital printing, e-mail and
                the telephone for Tier 1,2 or 3 marketing and other consumer
                contact programs.

             -  "Service Reservations" - Newgen has developed custom software
                and is operating the only inbound service reservation center
                in the world. This center handles customer service requests,
                merchandises needed scheduled maintenance and loads the
                dealer's shop and schedules its service advisors. The
                resulting reservation is electronically entered into the
                dealers in-house computer system.

(All of the above products and services individually and collectively known
as the "Services")

NOW THEREFORE, the parties hereto agree as follows:

1. PERCEPTA OBLIGATIONS

         i)     Percepta agrees to use its best efforts to jointly market the
                Services so that they are utilized to fulfill its mandate to
                provide CRM services to the Ford brands (including other auto
                manufacturers in which Ford has a majority interest) and its
                dealers. To that end, it will endorse and recommend the
                Services to Ford brand dealers, and use its best efforts to
                ensure that Ford brand dealers utilize the Services to the
                greatest extent possible. During the term of this agreement,
                Percepta agrees not to endorse, market or distribute any product
                or service that competes with the Services in the Dealer Channel
                unless otherwise mutually agreed.
         ii)    Percepta agrees to participate actively in the process of
                educating the senior management and field organizations of the
                Ford brands in order to gain their support for a rapid and
                comprehensive roll-out of these products and services to its
                dealers.

2. NEWGEN OBLIGATIONS

         i)     Newgen agrees to enroll dealers in conjunction with the Ford
                brand field organizations
         ii)    Newgen agrees to provide the Services to Ford brand dealers

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3. OTHER TERMS

         i)     Newgen agrees to pay Percepta a marketing fee ("Fee") which
                would be equal to a share of the revenue stream generated from
                the Services which is incremental to Newgen's October 2000
                revenue from the Services for Ford brand dealerships.
         ii)    Prior to November 30, 2000, Newgen will provide Percepta with
                a statement outlining October 2000 revenue from the Services
                (excluding Carabunga), and revenue from Carabunga. The October
                revenue from the Services and Carabunga will be the "Baseline
                Revenue".
         iii)   The Fee will equal to the difference between revenue
                generated each month from the Services (excluding Carabunga)
                provided to Ford brand dealers, and the Baseline Revenue,
                multiplied by 5%. In the case of Carabunga, the Fee will equal
                the difference between revenue generated each month from
                Carabunga services provided to Ford brand dealers, and the
                Baseline Revenue for Carabunga, multiplied by 2%.
         iv)    Newgen will provide an accounting of fees due, and remit
                payment to Percepta on a quarterly basis within 30 days
                following the end of each fiscal quarter. The first payment to
                Percepta will be prior to January 31, 2000.

4. AGREEMENT COMMENCEMENT AND TERM:

         This agreement will commence on November 1, 2000, and remain in full
force and effect for a period of three (3) years. Upon the expiration of the
term, no further fee will be payable by Newgen, and Percepta will have no
further obligations to provide marketing services.

Agreed to the 24th day of October, 2000.

NEWGEN RESULTS CORPORATION               PERCEPTA LLC

/s/ Les Silver                           /s/ Donald Sparkman
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Signature                                Signature

Les Silver                               Donald Sparkman
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Name                                     Name

Executive Vice President                 Vice President Sales and Marketing
----------------------------------       ----------------------------------
Title                                    Title

October 24, 2000                         October 24, 2000
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Date                                     Date<PAGE>

                                   EXHIBIT 4.1

                       FIRST AMENDMENT TO CREDIT AGREEMENT
                               AND LIMITED CONSENT

                  This FIRST AMENDMENT TO CREDIT AGREEMENT AND LIMITED CONSENT
(this "AMENDMENT") is dated as of December 3, 1999 and entered into by and among
GOSS GRAPHIC SYSTEMS, INC., a corporation organized under the laws of the State
of Delaware ("COMPANY") and whose registered office is at 700 Oakmont Lane,
Westmont, Illinois 60559, GOSS GRAPHIC SYSTEMS LIMITED (Company Number 3212468),
a company organized under the laws of England ("GOSS UK") and whose registered
office is at Greenbank Street, Preston, Lancashire PR1 7LA, GOSS SYSTEMES
GRAPHIQUES NANTES, S.A., a SOCIETE ANONYME organized under the laws of the
Republic of France ("GOSS FRANCE") and whose registered office is at 20, rue de
Koufra, 44300 Nantes, GOSS GRAPHIC SYSTEMS JAPAN CORPORATION, a corporation
organized under the laws of Japan ("GOSS JAPAN"; and together with Company, Goss
UK and Goss France, the "BORROWERS") and whose registered office is at Mitsuya
Toranomon Building, 22-14 Toranomon 1-Chome, Minato-Ku, Tokyo 105, THE FINANCIAL
INSTITUTIONS ACTING AS LENDERS AND LISTED ON THE SIGNATURE PAGES HEREOF, THE
FINANCIAL INSTITUTIONS ACTING AS INDEMNIFYING LENDERS AND LISTED ON THE
SIGNATURE PAGES HEREOF, BANKERS TRUST COMPANY, as administrative agent for the
Lenders (in such capacity, "ADMINISTRATIVE AGENT") and whose registered office
is at One Bankers Trust Plaza, 130 Liberty Street, New York, New York 10006, and
LEHMAN BROTHERS, as documentation agent for Lenders (in such capacity,
"DOCUMENTATION AGENT") and whose registered office is at 3 World Financial
Center, New York, New York 10285, and, for purposes of Section 4 hereof, the
Credit Support Parties (as defined in Section 4 hereof) listed on the signature
pages hereof, and is made with reference to that certain Second Amended and
Restated Multicurrency Credit Agreement dated as of November 19, 1999, by and
among Borrowers, Lenders, Indemnifying Lenders, Administrative Agent and
Documentation Agent (the "CREDIT AGREEMENT"). Capitalized terms used herein
without definition shall have the same meanings herein as set forth in the
Credit Agreement.

                                    RECITALS

                  WHEREAS, Borrowers have requested that the Credit Agreement be
amended to (i) amend certain provisions relating to asset sales contained
therein, and (ii) make certain other amendments, all as more specifically set
forth herein:

                  NOW, THEREFORE, in consideration of the premises and the
agreements, provisions and covenants herein contained, the parties hereto agree
as follows:

SECTION 1.        AMENDMENTS TO THE CREDIT AGREEMENT

       1.1        AMENDMENTS TO SECTION 1.1:  DEFINED TERMS.

                  Subsection 1.1 of the Credit Agreement is hereby amended by:

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                  (1) deleting the proviso contained in the definition of "ASSET
         SALE" in its entirety and substituting the following therefor:

                  "PROVIDED that the term "Asset Sale" shall not include (x) the
                  sale of Accounts, notes and other evidences of Indebtedness,
                  whether secured or unsecured, which sale is non-recourse to
                  Company and its Subsidiaries, in each case in the ordinary
                  course of business and consistent with the past practices of
                  Company and its Subsidiaries as part of a governmental
                  sponsored or private agency export credit program, and (y) any
                  transaction in which Company transfers or permits the transfer
                  of title relating to subassemblies or other parts to a
                  customer upon full payment by such customer for such
                  subassemblies or parts (PROVIDED that if any finished goods
                  constituting Inventory includes any such subassemblies or
                  other parts in which title has been transferred or is asserted
                  to have been transferred to a third party, then such finished
                  goods shall not be included in Eligible Inventory)."; and

                  (2) deleting clause (i) contained in the definition of
         "Eligible Inventory" in its entirety and substituting the following
         therefor:

                           "(i) it is not owned solely by Company or Company
                  does not have good, valid and marketable title thereto, or it
                  consists of finished goods constituting Inventory which
                  includes any subassemblies or other parts in which title has
                  been transferred or is asserted to have been transferred to a
                  third party; or"

SECTION 2.        CONDITIONS TO EFFECTIVENESS

                  Section 1 of this Amendment shall become effective only upon
the satisfaction of all of the following conditions precedent (the date of
satisfaction of such conditions being referred to herein as the "FIRST AMENDMENT
EFFECTIVE DATE"):

                  A. BORROWER DOCUMENTS. On or before the First Amendment
Effective Date, each Borrower shall deliver to Lenders (or to Administrative
Agent for Lenders) the following, each, unless otherwise noted, dated the First
Amendment Effective Date:

                  1. Signature and incumbency certificates of their respective
         officers executing this Amendment; and

                  2. Six executed copies of this Amendment.

                  B. EXECUTION OF AMENDMENT BY REQUISITE LENDERS. On or before
the First Amendment Effective Date, Requisite Lenders shall have executed and
delivered copies of this Amendment to Administrative Agent.

                  C. OTHER PROCEEDINGS. On or before the First Amendment
Effective Date, all corporate and other proceedings taken or to be taken in
connection with the transactions

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contemplated hereby and all documents incidental thereto not previously found
acceptable by Administrative Agent, acting on behalf of Lenders, and its
counsel shall be satisfactory in form and substance to Administrative Agent
and such counsel, and Administrative Agent and such counsel shall have
received all such counterpart originals or certified copies of such documents
as Administrative Agent may reasonably request.

SECTION 3.        BORROWERS' REPRESENTATIONS AND WARRANTIES

                  In order to induce Lenders to enter into this Amendment and to
amend the Credit Agreement in the manner provided herein, each Borrower
represents and warrants to each Lender that the following statements are true,
correct and complete:

                  A. CORPORATE POWER AND AUTHORITY. Each Borrower has all
requisite corporate power and authority to enter into this Amendment and to
carry out the transactions contemplated by, and perform its obligations under,
the Credit Agreement as amended by this Amendment (the "AMENDED AGREEMENT").

                  B. AUTHORIZATION OF AGREEMENTS. The execution and delivery of
this Amendment and the performance of the Amended Agreement have been duly
authorized by all necessary corporate action on the part of each Borrower.

                  C. NO CONFLICT. The execution and delivery by each Borrower of
this Amendment and the performance by each Borrower of the Amended Agreement do
not and will not (i) violate any provision of any law or any governmental rule
or regulation applicable to such Borrower or any of its Subsidiaries, the
Certificate or Articles of Incorporation or Bylaws of such Borrower or any of
its Subsidiaries or any order, judgment or decree of any court or other agency
of government binding on such Borrower or any of its Subsidiaries, (ii) conflict
with, result in a breach of or constitute (with due notice or lapse of time or
both) a default under any Contractual Obligation of such Borrower or any of its
Subsidiaries, (iii) result in or require the creation or imposition of any Lien
upon any of the properties or assets of such Borrower or any of its Subsidiaries
(other than Liens created under any of the Loan Documents in favor of
Administrative Agent on behalf of Lenders), or (iv) require any approval of
stockholders or any approval or consent of any Person under any Contractual
Obligation of such Borrower or any of its Subsidiaries.

                  D. GOVERNMENTAL CONSENTS. The execution and delivery by each
Borrower of this Amendment and the performance by such Borrower of the Amended
Agreement do not and will not require any registration with, consent or approval
of, or notice to, or other action to, with or by, any federal, state or other
governmental authority or regulatory body.

                  E. BINDING OBLIGATION. This Amendment and the Amended
Agreement have been duly executed and delivered by each Borrower and are the
legally valid and binding obligations of such Borrower, enforceable against such
Borrower in accordance with their respective terms, except as may be limited by
bankruptcy, insolvency, reorganization, moratorium or similar laws relating to
or limiting creditors' rights generally or by equitable principles relating to
enforceability.

                                      3
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SECTION 4.        ACKNOWLEDGEMENT AND CONSENT

                  Company is a party to certain Guaranties and each Borrower is
a party to certain Collateral Account Agreements, Security Agreements and
Mortgages pursuant to which such Borrower has created Liens in favor of
Administrative Agent on certain Collateral to secure the Obligations. New
Holdings is a party to certain Guaranties and certain Security Agreements
pursuant to which New Holdings has guarantied the Obligations and created Liens
in favor of Administrative Agent on certain Collateral to secure its obligations
under the Guaranties. Each Borrower and New Holdings are collectively referred
to herein as the "CREDIT SUPPORT PARTIES", and all such Guaranties and
Collateral Documents referred to above are collectively referred to herein as
the "CREDIT SUPPORT DOCUMENTS".

                  Each Credit Support Party hereby acknowledges that it has
reviewed the terms and provisions of the Credit Agreement and this Amendment and
consents to the amendment of the Credit Agreement effected pursuant to this
Amendment. Each Credit Support Party hereby confirms that each Credit Support
Document to which it is a party or otherwise bound and all Collateral encumbered
thereby will continue to guarantee or secure, as the case may be, to the fullest
extent possible the payment and performance of all "Obligations," "Guarantied
Obligations" and "Secured Obligations," as the case may be (in each case as such
terms are defined in the applicable Credit Support Document), including without
limitation the payment and performance of all such "Obligations," "Guarantied
Obligations" or "Secured Obligations," as the case may be, in respect of the
Obligations of the Borrowers now or hereafter existing under or in respect of
the Amended Agreement.

                  Each Credit Support Party acknowledges and agrees that any of
the Credit Support Documents to which it is a party or otherwise bound shall
continue in full force and effect and that all of its obligations thereunder
shall be valid and enforceable and shall not be impaired or limited by the
execution or effectiveness of this Amendment. Each Credit Support Party
represents and warrants that all representations and warranties contained in the
Amended Agreement and the Credit Support Documents to which it is a party or
otherwise bound are true, correct and complete in all material respects on and
as of the First Amendment Effective Date to the same extent as though made on
and as of that date, except to the extent such representations and warranties
specifically relate to an earlier date, in which case they were true, correct
and complete in all material respects on and as of such earlier date.

                  Each Credit Support Party (other than the Borrowers)
acknowledges and agrees that (i) notwithstanding the conditions to effectiveness
set forth in this Amendment, such Credit Support Party is not required by the
terms of the Credit Agreement or any other Loan Document to consent to the
amendments to the Credit Agreement effected pursuant to this Amendment and (ii)
nothing in the Credit Agreement, this Amendment or any other Loan Document shall
be deemed to require the consent of such Credit Support Party to any future
amendments to the Credit Agreement.

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SECTION 5.  MISCELLANEOUS

                  A. REFERENCE TO AND EFFECT ON THE CREDIT AGREEMENT AND THE
OTHER LOAN DOCUMENTS.

                  (i) On and after the First Amendment Effective Date, each
         reference in the Credit Agreement to "this Agreement", "hereunder",
         "hereof", "herein" or words of like import referring to the Credit
         Agreement, and each reference in the other Loan Documents to the
         "Credit Agreement", "thereunder", "thereof" or words of like import
         referring to the Credit Agreement shall mean and be a reference to the
         Amended Agreement.

                  (ii) Except as specifically amended by this Amendment, the
         Credit Agreement and the other Loan Documents shall remain in full
         force and effect and are hereby ratified and confirmed.

                  (iii) The execution, delivery and performance of this
         Amendment shall not, except as expressly provided herein, constitute a
         waiver of any provision of, or operate as a waiver of any right, power
         or remedy of Administrative Agent or any Lender under, the Credit
         Agreement or any of the other Loan Documents.

                  B. FEES AND EXPENSES. Each Borrower acknowledges that all
costs, fees and expenses as described in subsection 10.2 of the Credit Agreement
incurred by Administrative Agent and its counsel with respect to this Amendment
and the documents and transactions contemplated hereby shall be for the account
of the Borrowers.

                  C. HEADINGS. Section and subsection headings in this Amendment
are included herein for convenience of reference only and shall not constitute a
part of this Amendment for any other purpose or be given any substantive effect.

                  D. APPLICABLE LAW. THIS AMENDMENT AND THE RIGHTS AND
OBLIGATIONS OF THE PARTIES HEREUNDER SHALL BE GOVERNED BY, AND SHALL BE
CONSTRUED AND ENFORCED IN ACCORDANCE WITH, THE INTERNAL LAWS OF THE STATE OF NEW
YORK (INCLUDING WITHOUT LIMITATION SECTION 5-1401 OF THE GENERAL OBLIGATIONS LAW
OF THE STATE OF NEW YORK), WITHOUT REGARD TO CONFLICTS OF LAWS PRINCIPLES.

                  E. COUNTERPARTS. This Amendment may be executed in any number
of counterparts and by different parties hereto in separate counterparts, each
of which when so executed and delivered shall be deemed an original, but all
such counterparts together shall constitute but one and the same instrument;
signature pages may be detached from multiple separate counterparts and attached
to a single counterpart so that all signature pages are physically attached to
the same document.

                  [Remainder of page intentionally left blank]

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                  IN WITNESS WHEREOF, each of the undersigned have hereunto
caused this Amendment to be duly executed and delivered in the capacities set
forth on SCHEDULE 2.1 to the Credit Agreement by their respective officers
thereunto duly authorized as of the date first written above.

                           GOSS GRAPHIC SYSTEMS, INC.,
                           as a Borrower

                           By: ______________________
                           Title: ___________________

                           GOSS GRAPHIC SYSTEMS LIMITED,
                           as a Borrower

                           By: ______________________
                           Title: ___________________

                           GOSS SYSTEMES GRAPHIQUES NANTES S.A.,
                           as a Borrower

                           By: ______________________
                           Title: ___________________

                           GOSS GRAPHIC SYSTEMS JAPAN CORPORATION,
                           as a Borrower

                           By: ______________________
                           Title: ___________________

                           GGS HOLDINGS, INC.,
                           as a Credit Support Party

                           By: ______________________
                           Title: ___________________

                                      S-1

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                           LENDERS:

                           BANKERS TRUST COMPANY,
                           as Administrative Agent and as a Lender

                           By: ______________________
                           Title: ___________________

                                      S-2
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                           THE BANK OF NOVA SCOTIA,
                           as a Lender

                           By: ______________________
                           Title: ___________________

                                      S-3
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                          BANK ONE,
                          as a Lender

                          By: _______________________
                          Title: ____________________

                                      S-4
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                           BARCLAYS BANK, PLC,
                           as a Lender

                           By: ______________________
                           Title: ___________________

                                      S-5
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                           BEAR, STEARNS & CO. INC.,
                           as a Lender

                           By: ______________________
                           Title: ___________________

                                      S-6
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                           CHASE SECURITIES INC., as agent for The
                           Chase Manhattan Bank, as a Lender

                           By: ______________________
                           Title: ___________________

                                      S-7
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                           CREDIT AGRICOLE INDOSUEZ,
                           as a Lender

                           By: ______________________
                           Title: ___________________

                           By: ______________________
                           Title: ___________________

                                      S-8
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                           DEUTSCHE FINANCIAL SERVICES CORPORATION,
                           as a Lender

                           By: ______________________
                           Title: ___________________

                                      S-9
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                           DLJ CAPITAL FUNDING, INC.,
                           as a Lender

                           By: ______________________
                           Title: ___________________

                                      S-10
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                           THE FUJI BANK, LIMITED,
                           as a Lender

                           By: ______________________
                           Title: ___________________

                                      S-11
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                           GENERAL ELECTRIC CAPITAL CORPORATION,
                           as a Lender

                           By: ______________________
                           Title: ___________________

                                      S-12
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                           GOLDMAN SACHS CREDIT PARTNERS L.P.,
                           as a Lender

                           By: ______________________
                           Title: ___________________

                                      S-13
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                           LEHMAN COMMERCIAL PAPER INC.,
                           as a Lender

                           By: ______________________
                           Title: ___________________

                                      S-14
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                           NATIONAL WESTMINSTER BANK PLC,
                           as a Lender

                           By: ______________________
                           Title: ___________________

                                      S-15
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                          TRI-LINKS INVESTMENT TRUST
                          (NOMURA), by Wilmington Trust Company
                          Owner Trustee, as a Lender

                          By: _______________________
                          Title: ____________________

                                      S-16
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                          STONEHILL INSTITUTIONAL PARTNERS,
                          L.P., as a Lender

                          By: _______________________
                          Title: ____________________

                                      S-17

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