Document:

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                                                         AGREEMENT NUMBER 010199

                              MICR FORMS AGREEMENT
                                     BETWEEN
                         TRAVELERS EXPRESS COMPANY, INC.
                                       AND
                         NORTHSTAR COMPUTER FORMS, INC.

THIS AGREEMENT IS ENTERED INTO AS OF THE 1ST  DAY OF JANUARY 1999, BY AND
BETWEEN TRAVELERS EXPRESS COMPANY, INC. (BUYER OR TECI) AND NORTHSTAR COMPUTER
FORMS, INC.  (SELLER OR NORTHSTAR).

THE PARTIES AGREE TO THE FOLLOWING TERMS FOR THE PURCHASE BY BUYER OF ITEMS
LISTED IN ATTACHED EXHIBIT A FROM SELLER:

I.   Scope

     In consideration of Buyer's first purchase order under this Agreement,
     Seller agrees to sell to Buyer, and hereby extends to Buyer, a Purchase
     Agreement to purchase MICR forms as listed in EXHIBIT A at the stated
     prices; and (ii) to accept purchase orders as may be released by Buyer
     which comply with this Agreement.  MICR forms are: money orders, gift
     certificates, official checks, process control documents, LASER CUT SHEETS,
     AND OTHER CUSTOM MICR DOCUMENTS.  It is further understood and agreed that
     Seller will accept such complying purchase orders from Buyer at the
     specified prices for the period commencing with the date first above
     written and ending DECEMBER 31, 2002, (Agreement period) provided, however,
     that orders placed within this period may call for delivery through APRIL
     30, 2003 (DELIVERY PERIOD).

II.  Pricing

     2.1  ALL PRICES STATED IN Exhibit A ARE F.O.B. MANUFACTURING PLANT.  TITLE
          OF THE DOCUMENTS PASSES TO BUYER UPON THE EARLIER EVENT OF SHIPMENT OR
          PASSAGE TO SELLER'S WAREHOUSE FOR INVENTORY PURPOSES.

     2.2  IN ADDITION TO THE INVOICE TERMS AND CONDITIONS, SELLER AGREES THAT:
          (1) NO MATERIAL WILL BE INVOICED AGAINST THIS AGREEMENT NUMBER AS IT
          IS INTENDED FOR USE BY BUYER AS A CONTROL NUMBER ONLY; (2) ALL CHARGES
          WITH RESPECT TO PURCHASE ORDERS ISSUED HEREUNDER SHALL BE INVOICED
          WEEKLY IN SUMMARY BILLING FORMAT; AND (3) PAYMENT TERMS SHALL BE 2%
          TEN DAYS, NET THIRTY (30) DAYS (2/10N30) AFTER RECEIPT OF INVOICE.
          ANY AMOUNT OWED UNDER THIS AGREEMENT BY ONE PARTY TO THE OTHER WHICH
          IS NOT PAID ON OR BEFORE THE 15TH DAY AFTER THE DUE DATE OF THE
          INVOICE WILL REQUIRE THE INVOICING PARTY TO PROVIDE COPIES OF THE
          ORIGINAL INVOICE TO THE OWING PARTY FOR PAYMENT. ALL AMOUNTS DUE AFTER
          90 DAYS OF THE ORIGINAL DUE DATE, UNLESS AND EXCEPT THERE

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          IS A BONA FIDE DISPUTE OR A MUTUALLY AGREED EXTENSION, SHALL BEAR
          INTEREST UNTIL PAID AT THE RATE OF 18% PER ANNUM (1.5% PER MONTH), BUT
          IN NO EVENT EXCEED THE MAXIMUM LAWFUL RATE OF INTEREST PERMITTED BY
          APPLICABLE LAW.

     2.3  All unbilled  balances on existing orders which are not subject to
          other purchase agreements as of the date first written above shall
          receive the benefit of the pricing as set forth in EXHIBIT A.

     2.4. If at any time during the Agreement period Seller shall:

     (i)  Offer for sale any of the items to be purchased hereunder at a lower
          price for similar or lesser quantities; or

          (ii) IF SELLER SHALL OFFER FOR SALE AT A LOWER PRICE FOR SIMILAR OR
               LESSER QUANTITIES ITEMS DESIGNED TO BASICALLY THE SAME
               SPECIFICATIONS, BUT WITH A PRICE DIFFERENTIAL WHICH IS GREATER
               THAN THAT WHICH WOULD REASONABLY BE WARRANTED BY THE DIFFERENCE
               IN COST OF MANUFACTURE (BASED UPON THE DIFFERENCE IN
               SPECIFICATIONS);

          then, commencing with the effective date of the price referenced in
          (i) or (ii) above, this Agreement and its stated prices shall be
          considered amended to reflect such lower prices for similar or lesser
          quantities (or the excess over said warranted price differential).
          The amended price shall not apply to units required by Buyer's
          purchase orders to be delivered prior to its effective date.  Seller
          shall promptly notify buyer of any such price reduction which would
          serve to reduce the price payable by Buyer under this Agreement.
          Section 2.4 will be specifically covered twice each year (Section 7.4)
          during the term of this Agreement.

     2.5  PRICING WILL REMAIN FIRM IN THE ABSENCE OF MATERIALS COST
          FLUCTUATIONS. IF MATERIAL COSTS INCREASE, SELLER MAY INCREASE PRICES
          BY THE AMOUNT OF THE MATERIALS COST INCREASE, BUT NO MORE THAN SIX
          PERCENT (6%) OF THE COST PER YEAR PER 1000 DOCUMENTS BEFORE THE
          INCREASE. IF MATERIAL COSTS DECREASE, THE REDUCTION WILL BE PASSED
          THROUGH TO BUYER UPON SELLER RECEIVING SAID PRICE REDUCTION. PRICES
          WILL BE REVIEWED AT THE BUSINESS REVIEW MEETINGS PROVIDED FOR IN
          SECTION 7.4. BUYER REQUIRES SUITABLE JUSTIFICATION (IE. MILL INVOICES,
          PPI INDEXES, ETC.) AND 30 DAY PRIOR WRITTEN NOTICE OF CHANGE IN BID
          PRICE.

     2.6  IN EXCHANGE FOR BUYER'S PROMISE TO PURCHASE NINETY PERCENT (90%) OF
          ITS MICR FORMS REQUIREMENTS OF THE TYPES LISTED IN Exhibit A FROM
          SELLER, SELLER AGREES TO PAY CASH REBATES (SEE Exhibit E) TO BUYER
          BASED ON BILLING LEVELS FOR ALL FORMS (MONEY ORDERS AND OTHER FORMS)
          AS PROVIDED IN EXHIBIT A.  ESTIMATED ANNUAL MONEY ORDER VOLUMES FOR
          1999 ARE 284,000,000 ITEMS.

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          ESTIMATED ANNUAL OFFICIAL CHECK VOLUMES FOR 1999 ARE 36, 000,000
          ITEMS. REBATES WILL BE EFFECTIVE ON PURCHASES BEGINNING JANUARY 1,
          1999.

     2.7  SELLER SHALL PROVIDE ONGOING CONSULTATION TO BUYER REGARDING HOW TO
          REDUCE COSTS.  THIS CONSULTATION SHALL INCLUDE, BUT IS NOT LIMITED TO,
          PRODUCT MIX, AND COMPOSITION, APPLICABLE "BEST PRACTICES" USED WITH
          OTHER CUSTOMERS, CONTINUOUS PROCESS AND PRODUCTION EFFICIENCY
          IMPROVEMENTS, ETC.  THIS CONSULTATION IS INTENDED TO HELP BUYER REDUCE
          OFFICIAL CHECK PER UNIT COSTS TO LESS THAN $.08 PER ITEM, AND SHALL BE
          FORMALLY DOCUMENTED AT EACH SEMI-ANNUAL REVIEW (SECTION 7.4).

III. Quantities

     3.1  Buyer agrees to purchase ninety percent (90%) of its MICR forms annual
          dollar requirements from Seller pursuant to this Agreement.  Nothing
          in this Agreement shall preclude Buyer from procuring like or
          comparable items from other sources.

IV.  Lead Times

     4.1  ALL PROOFS:  BUYER WILL RECEIVE A FIRST PROOF ON NEW ORDERS  WITHIN 48
          HOURS OF THE TIME THE COMPLETED PURCHASE  ORDER IS RECEIVED BY SELLER.
          BUYER WILL RECEIVE ANY SUBSEQUENT PROOF WITHIN 24 HOURS AFTER RECEIPT
          BY SELLER.  ALL APPROPRIATE LOGO'S, ARTWORK, DRAWING, DISKS, AND
          SPECIFICATIONS WILL BE PROVIDED WITH ORDERS. PROOF UNDER SECTION 4.1
          REFERS TO STANDARD BASE ITEMS (E.G. COMMON FORMATS AND SIZES).
          COMPLEX DESIGN, PROCESS COLORS, BACKGROUNDS, AND INTRICATE LOGOS MAY
          TAKE AN ADDITIONAL 24 HOURS.

     4.2  MONEY ORDER FORMS: ALL CUSTOM LOGO STANDARD SIZE MANUAL MONEY ORDER
          FORMS OF EXACT REPEAT OR RETURNED PROOF APPROVAL RECEIVED BY THE 1ST
          OF EACH MONTH WILL BE PRINTED ON THE 15TH OF EACH MONTH OR RECEIVED BY
          THE 15TH OF EACH MONTH WILL BE PRINTED ON THE 30TH OF EACH MONTH.

          ALL GENERIC STANDARD SIZE MANUAL MONEY ORDER FORMS WILL BE SCHEDULED
          WITH A MINIMUM OF TWENTY TO THIRTY DAYS PRIOR TO AGREED UPON INVENTORY
          REPLENISHMENT DATES.

          ALL GENERIC OR CUSTOM LOGO AUTOMATED MONEY ORDER FORMS WILL BE
          SCHEDULED WITH A MINIMUM OF TWENTY TO THIRTY DAYS PRIOR TO AGREED UPON
          INVENTORY REPLENISHMENT DATES.

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          DELIVERY REQUIREMENTS LESS THAN STATED ABOVE MUST HAVE PRE-AUTHORIZED
          APPROVAL AND WILL BE SUBJECT TO PRINT UPCHARGES.  BUYER RESERVES THE
          RIGHT TO PRIORITIZE THE SEQUENCE OF THE BUYER'S ORDERS FOR PRINT
          PRODUCTION.

     4.3  OFFICIAL CHECKS:  SELLER IS REQUIRED TO TRANSMIT PROOFS
          ELECTRONICALLY.  ALL ORDERS PRINTED FOUR COLOR OR LESS ON STANDARD
          WHITE OFFICIAL CHECK STOCK WITH QUANTITIES UP TO 20,000 TO SHIP WITH
          10 WORKING DAYS AFTER PROOF APPROVAL OR ELECTRONIC ENTRY OF EXACT
          REPEATS.  BUYER RESERVES THE RIGHT TO PRIORITIZE THE SEQUENCE OF
          BUYER'S ORDERS.

          ALL ORDERS PRINTED FOR FOUR COLOR OR LESS ON STANDARD WHITE OFFICIAL
          CHECK STOCK WITH QUANTITIES OVER 20,000 BUT LESS THAN 50,000 WILL SHIP
          WITHIN 15 WORKING DAYS AFTER PROOF APPROVAL OR ELECTRONIC ENTRY OF
          EXACT REPEATS.  BUYER RESERVES THE RIGHT TO PRIORITIZE THE SEQUENCE OF
          BUYER'S ORDERS FOR PRINT PRODUCTION.

          ALL ORDERS PRINTED FOR FOUR COLORS OR LESS ON STANDARD WHITE OFFICIAL
          CHECK STOCK WITH QUANTITIES OVER 50,000 AND/OR EXTRA WIDE FORMS IN
          OC-7 CLASSIFICATION MAY REQUIRE ADDITIONAL LEAD TIMES NOT EXCEED
          LONGER THAN 20 WORKING DAYS.

          ALL ORDERS PRINTED PROCESS COLOR, MORE THAN FOUR COLOR, OR NON
          STANDARD PAPERS MAY REQUIRE ADDITIONAL LEAD TIMES, NOT TO EXCEED
          LONGER THAN 20 WORKING DAYS.

          DELIVERY REQUIREMENTS OF LESS THAN 10 WORKING DAYS MUST HAVE
          PRE-AUTHORIZATION APPROVAL AND WILL BE SUBJECT TO PRINT UPCHARGES.

          BOTH NEW AND REPEAT ORDERS WILL BE TRANSMITTED TO SELLER VIA AN
          ELECTRONIC ORDER ENTRY SYSTEM SUPPLIED BY BUYER'S AUTOMATED SYSTEMS.

V.   Qualification Testing

     5.1. WITHOUT IN ANY WAY LIMITING ITS WARRANTY OR INCOMING INSPECTION
          TESTING RIGHTS UNDER THIS AGREEMENT, BUYER, FROM TIME TO TIME, INTENDS
          TO SUBJECT SAMPLES OF THE PURCHASED ITEMS TO QUALIFICATION TESTS. THE
          TESTS WILL BE SUFFICIENT TO ASSURE THAT THE ITEMS MEET ALL THE
          SPECIFICATION REQUIREMENTS DESCRIBED IN EXHIBIT C IF ANY, AS WELL AS
          APPLICABLE DRAWINGS, SAMPLES AND OTHER DESCRIPTIONS. BUYER SHALL
          NOTIFY SELLER OF ANY DEFICIENCIES INDICATED BY THE TESTING. SELLER
          SHALL AT ITS OWN EXPENSE REPLACE, ALTER, OR MODIFY THE REMAINING
          TO-BE-DELIVERED ITEMS SO THAT THEY WILL PASS SUBSEQUENT QUALIFICATION
          TESTS, UNLESS BUYER ELECTS, IN WRITING, TO WAIVE A DEFICIENCY.

     5.2. SHOULD SELLER FAIL TO SATISFACTORILY CORRECT, AT ITS OWN EXPENSE, ANY
          AND ALL DEFICIENCIES DISCOVERED IN BUYER'S QUALIFICATION TESTING
          WITHIN A REASONABLE TIME PERIOD AFTER RECEIVING BUYER'S NOTICE, THEN
          BUYER, AT ITS SOLE OPTION,

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          SHALL HAVE THE RIGHT (i) TO CANCEL ALL OR ANY PORTION OF THE
          OUTSTANDING ITEM ORDERS WITHOUT CHARGE, AND RECEIVE FULL CREDIT AT
          SELLER'S RISK AND EXPENSE ALL ITEMS WHICH SELLER PREVIOUSLY DELIVERED
          TO BUYER.

     5.4. SELLER AGREES THAT WITH RESPECT TO PRESENT OR FUTURE ITEMS SUBJECT TO
          THIS AGREEMENT, IT WILL MAKE AVAILABLE TO BUYER AT NO CHARGE, RESULTS
          OF SELLER'S INTERNAL QUALIFICATION TESTS, WHETHER OR NOT DEALING WITH
          TESTING AGAINST BUYER'S SPECIFICATIONS.

VI.  Specifications and Production Process Changes

     6.1  SELLER AGREES THAT ALL ITEMS TO BE DELIVERED UNDER THIS AGREEMENT
          SHALL MEET THE SPECIFICATIONS DESCRIBED IN EXHIBIT C, IF ANY, AS WELL
          AS APPLICABLE DRAWINGS, BUYER APPROVED SAMPLES, AND OTHER DOCUMENTED
          DESCRIPTIONS.  SELLER FURTHER AGREES THAT IN ADDITION TO AND NOT
          LIMITING THE FOREGOING REQUIREMENT, IT WILL NOT MAKE ANY CHANGE IN A
          ITEM TO BE DELIVERED HEREUNDER WHICH WOULD EFFECT THE ITEM'S FORM,
          FIT, FUNCTION, APPEARANCE OR PERFORMANCE WITHOUT FIRST HAVING RECEIVED
          BUYER'S PRIOR WRITTEN CONSENT.

                                   VII.  REPORTING

     7.1  MONEY ORDERS:  SELLER WILL SUPPLY BUYER WITH MONTHLY STATEMENTS
          ITEMIZING QUANTITIES ORDERED BY BUYER DURING THE TERM OF THIS
          AGREEMENT.  THIS REPORT SHALL BE IN AN BUYER DEFINED PC FORMAT AND
          SHALL INCLUDE, BUT NOT BE LIMITED TO, (1) MONTHLY VOLUME BY MONEY
          ORDERS TYPE, (2) MONTHLY INVOICE BY MONEY ORDERS TYPE AND FOR NON-
          STANDARD MONEY ORDERS AS A WHOLE, (3) AVERAGE TURN AROUND TIME, AND
          (4) TOTAL DOLLARS COMMITTED TO DATE.

     7.2  OFFICIAL CHECKS:  SELLER WILL PROVIDE ACCURATE AND TIMELY REPORTING.
          REPORTS OF THE OFFICIAL CHECK PROGRAM ARE REQUIRED TO BE IN BUYER
          DEFINED PC FORMAT.  REQUIRED REPORTS INCLUDE, BUT ARE NOT LIMITED TO,
          THE FOLLOWING:

          -    MONTHLY SUMMARY ANALYSIS
          -    ORDER ANALYSIS REPORT
          -    OFFICIAL CHECK BREAKDOWN REPORT
          -    PRICES VS. QUANTITY REPORT
          -    STATUS REPORTS ON ALL ORDERS TO DATE AND PRICING
          -    DAILY REPORT OF RUSH ORDERS AND THEIR STATUS
          -    HISTORICAL REPORTS BY TYPE, QUANTITY AND DATE PRODUCED
          -    SERVICE LEVEL REPORTS AS REQUESTED BY BUYER

     7.3  OTHER PRODUCTS:  SUCH REPORTS AS BUYER MAY REQUEST (E.G. GIFT
          CERTIFICATES)

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     7.4  SELLER AND BUYER WILL MUTUALLY AGREE TO SET A SCHEDULE FOR BUSINESS
          REVIEWS IN WHICH AT LEAST TWO MEETINGS WILL BE SCHEDULED AT THE
          BEGINNING OF JANUARY AND JULY OF EACH CONTRACT YEAR.

                               VIII.  ADDITIONAL ITEMS

     8.1      DURING THE TERM OF THIS AGREEMENT, BUYER MAY HAVE A NEED FOR ITEMS
          BEING COMMERCIALLY PRODUCED BY SELLER, WHICH ALTHOUGH NOT THEN LISTED
          IN EXHIBIT A ARE IN THE SAME GENERAL PRODUCT LINE AS ITEMS LISTED IN
          EXHIBIT "A".  IN SUCH A CIRCUMSTANCE, BUYER SHALL HAVE A RIGHT, UPON
          TEN (10) DAYS PRIOR WRITTEN NOTICE TO SELLER, TO HAVE THE UNLISTED
          ITEMS ADDED TO THIS AGREEMENT.  THESE ADDED ITEMS CAN THEN BE
          PURCHASED UNDER THIS AGREEMENT, AT SELLER'S THEN PREVAILING PRICES FOR
          THESE ITEMS, AT THE SAME QUANTITY LEVELS AT WHICH THE ITEMS LISTED IN
          EXHIBIT A ARE PRICED; HOWEVER, THE PRICING SHALL AT ALL TIMES REFLECT
          SELLER'S EXTENDING ITS "MOST FAVORED CUSTOMER" STATUS TO BUYER FOR
          COMPARABLE SPECIFICATIONS.

IX.  Rescheduling and Cancellation

     9.1.      BUYER MAY AT ITS OWN ELECTION AND CONVENIENCE, BEFORE SELLER
          DELIVERS THE APPLICABLE UNITS UNDER ONE OR MORE OF ITS PURCHASE
          ORDERS, (i) CANCEL THIS AGREEMENT IN WHOLE AS PROVIDED IN ARTICLE XII,
          OR (ii) CANCEL PARTICULAR PURCHASE ORDERS, OR ANY PORTION THEREOF,
          PROVIDED THAT:

          (a)  BUYER SHALL GIVE NOTICE TO SELLER OF SUCH CANCELLATION INDICATING
               ITS SCOPE AND EXTENT.

          (b)  Such notice is received by Seller at least thirty (30) days in
               advance in the case of SECTION (i) above or five (5) days
               depending on "agreed to" lead time in SECTION (ii) before the
               scheduled delivery date.

          (c)  Buyer is responsible for all costs incurred as it relates to
               Buyer's orders in production including all material as it relates
               to Buyer's orders in production.

X.   Other Terms and Conditions

     10.1  IT IS UNDERSTOOD AND AGREED THAT THE TERMS AND CONDITIONS CONTAINED
           IN THIS AGREEMENT IN ADDITION TO THE STANDARD PURCHASE ORDER TERMS
           AND CONDITIONS CONTAINED ON THE REVERSE SIDE OF BUYER'S PURCHASE
           ORDERS, A COPY

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           OF WHICH IS HERETO ATTACHED AS EXHIBIT D, SHALL BE THE SOLE TERMS
           AND CONDITIONS GOVERNING THIS AGREEMENT AND EACH AND EVERY ORDER
           ISSUED UNDER IT. ANY CONFLICTS WHICH MIGHT EXIST BETWEEN THIS
           AGREEMENT AND SAID STANDARD PURCHASE ORDER TERMS AND CONDITIONS
           WHICH ARE NOT SPECIFICALLY RESOLVED IN THIS AGREEMENT SHALL BE
           RESOLVED IN FAVOR OF THIS AGREEMENT.

     10.2  IF SELLER, UPON RECEIPT PER ARTICLE IV OF THIS AGREEMENT AND
           BUYER'S PURCHASE ORDER, INCLUDING BUT LIMITED TO THE STATED
           IN-HOUSE DELIVERY DATE, CANNOT SUBSEQUENTLY MEET THE MUTUALLY
           AGREED TO SHIP DATE, WILL SHIP VIA OVERNIGHT AIR FREIGHT F.O.B.
           ORIGIN, FREIGHT PREPAID. IF DELAY IS CAUSED BY SELLER AFTER
           MISSING THE MUTUALLY AGREED SHIP DATE, ENOUGH PRODUCT WILL BE
           SHIPPED NEXT-DAY AIR TO PREVENT STOCK-OUTS AND PAID BY SELLER.
           THE REMAINDER OF THE ORDER WILL BE SHIPPED UNDER NORMAL TERMS.

     10.3  SELLER, UPON RECEIPT OF BUYER'S PURCHASE ORDER, WILL ACKNOWLEDGE SUCH
           PURCHASE ORDER AS TO CORRECT QUANTITY, IN-HOUSE DATE, AND PRICE, AND
           RETURN A COPY TO BUYER WITH THE PROPER AUTHORIZATION.

     10.4  SELLER IS TO PROVIDE A COST REDUCTION PROGRAM/SCHEDULE EACH YEAR BY
           July 15.

     10.5  MONEY ORDERS:  SELLER AND BUYER ARE TO MUTUALLY AGREE ON A TEST
           PROCEDURE AND IN THE EVENT THAT SELLER SHIPS DEFECTIVE PRODUCT AND
           SUCH PRODUCT IS VERIFIED AS DEFECTIVE AT BUYER'S TEST INSPECTION,
           BUYER WILL BE ENTITLED TO A $.05/ITEM CREDIT FROM SELLER FOR EACH
           ITEM FOUND DEFECTIVE, AS WELL AS $250 PER ORDER CHARGE.  THE CREDIT
           WILL ONLY APPLY TO DEFECTIVE ITEMS OVER 1000 (MINIMUM) ITEMS AND
           LIMITED TO 30,000 (MAXIMUM) ITEMS PER ORDER. DEFECTIVE PRODUCT AS
           DESCRIBED ABOVE IS DEFINED AS PRODUCT WHICH HAS FAILED CRITERIA FOUND
           IN ARTICLE V AND IN EXHIBIT C AS DESCRIBED IN THE MUTUALLY AGREED
           TEST PROCEDURE.

           OFFICIAL CHECKS:  SELLER AND BUYER ARE TO MUTUALLY AGREE ON A TEST
           PROCEDURE  AND IN THE EVENT THAT SELLER SHIPS DEFECTIVE PRODUCT AND
           SUCH PRODUCT IS VERIFIED AS DEFECTIVE AT BUYER'S TEST INSPECTION,
           BUYER WILL BE ENTITLED TO A $.05/ITEM CREDIT FROM SELLER FOR EACH
           ITEM FOUND DEFECTIVE, AS WELL AS $50 PER ORDER CHARGE.  THE CREDIT
           WILL ONLY APPLY TO DEFECTIVE ITEMS OVER 3000 (MINIMUM) ITEMS AND
           LIMITED TO 20,000 (MAXIMUM) ITEMS PER ORDER.  IN THE EVENT THE SELLER
           SHIPS DEFECTIVE PRODUCT, AND IN DOING SO CAUSES A TECI CUSTOMER A
           BREAK IN SERVICE, SELLER WILL HAVE 3 DAYS FROM THE DATE SELLER
           RECEIVES NOTIFICATION TO REPLACE THE DEFECTIVE PRODUCT.  FOR ANY
           ORDER DELAYED LONGER THAN THE 3 DAY TIME PERIOD, THE SELLER WILL
           CREDIT THE BUYER $250.00 PER DAY FOR EACH DAY THE CUSTOMER IS
           DELAYED.  DEFECTIVE

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           PRODUCTS DESCRIBED ABOVE IS DEFINED AS PRODUCT WHICH HAS FAILED
           CRITERIA FOUND IN SECTION V AND IN EXHIBIT "C" AS DESCRIBED IN
           THE MUTUALLY AGREED TEST PROCEDURE.

     10.6  Seller agrees to employ a full time MICR Quality Assurance person for
           each program (money orders and official checks).  These people will
           have had training in Statistical Process Control (SPC), Total Quality
           Management (TQM) and forty hours or more in Total Quality Improvement
           (TQI). These people will report directly to the Seller's VP of
           Operations OR OPERATIONS MANAGER.

     10.7  SELLER WILL PROVIDE BUYER WITH AN INFORMED CONTACT PERSON FOR EACH
           PROGRAM (MONEY ORDERS AND OTHER MICR FORMS) AT EACH PLANT AND
           WAREHOUSE WHO WILL BE AVAILABLE VIA PAGER THROUGHOUT THE FULL
           BUSINESS DAY (7:00 AM TO 5:00 PM).  SELLER WILL PROVIDE A LIST OF
           CONTACT PERSONS, LOCATIONS AND TELEPHONE NUMBERS AS EXHIBIT F TO THIS
           AGREEMENT AND WILL KEEP THE LIST CURRENT.

     10.8  NON-STANDARD MICR FORMS:  NON-STANDARD MICR FORMS WILL BE PRICED
           SEPARATELY AND SUBJECT TO THE SAME MICR FORMS SPECIFICATIONS AS
           STANDARD MICR FORMS, UNLESS OTHERWISE STATED ON THE PURCHASE ORDER.

     10.9  OUTSOURCED MICR FORMS:  MICR FORMS THAT SELLER ELECTS TO OUTSOURCE TO
           ANOTHER SELLER WILL CONFORM TO THE SAME SPECIFICATIONS AND PRICE
           CONSTRAINTS AS IN-HOUSE NON-STANDARD MICR FORMS.  PRICING ON
           OUTSOURCED MICR FORMS WILL BE QUOTED WITHIN 48 HOURS OF RECEIPT OF
           THE PURCHASE ORDER, WHICH AT THAT TIME BUYER CAN PROCEED OR CANCEL
           SAID ORDER.  NOTWITHSTANDING ANY OUTSOURCING, SELLER REMAINS
           RESPONSIBLE TO BUYER FOR THE PERFORMANCE OF THIS AGREEMENT.

     10.10 PURCHASE OF PAPER: BUYER RESERVES THE RIGHT TO PURCHASE ITS OWN PAPER
           TO PRODUCE THE MICR FORMS UPON SIXTY (60) DAYS WRITTEN NOTICE TO THE
           SELLER. PAPER SPECIFICATIONS AND QUALITY MUST MEET SELLER'S
           REQUIREMENTS BASED ON SELLER'S PAST PRACTICES.

     10.11 FREIGHT COSTS:

           SELLER WILL DELIVER THE MONEY ORDER FORMS DIRECTLY TO BUYER'S
           DESIGNATED WAREHOUSE USING THE MOST ECONOMICAL TRANSPORTATION GIVEN
           THE DELIVERY REQUIREMENTS.  ALL DISCOUNTS, OR REBATES, RECEIVED BY
           SELLER WILL BE PASSED ON TO THE BUYER.  BUYER RESERVES THE RIGHT TO
           SELECT SHIPPER FOR ITS PRODUCTS IF DISCOUNTS AND/OR REBATES ARE MORE
           ADVANTAGEOUS TO BUYER.

           SELLER WILL DELIVER THE OFFICIAL CHECK FORMS DIRECTLY TO THE BUYER'S
           DESIGNATED WAREHOUSE USING THE MOST ECONOMICAL TRANSPORTATION GIVEN
           THE

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           DELIVERY REQUIREMENTS.  SELLER AND BUYER AGREE THAT THE 1ST YEAR
           OF THE AGREEMENT BUYER SHALL RECEIVE A DISCOUNT OF 16% OF FREIGHT
           COSTS.  AFTER THE FIRST YEAR, BUYER WILL RECEIVE A GUARANTEED MINIMUM
           RATE OF 16% DISCOUNT.  IN THE EVENT THE SELLER'S DISCOUNTS ARE LESS
           THAN 16%, BUYER WILL RECEIVE 100% OF THE FREIGHT DISCOUNT.  BUYER
           RESERVES THE RIGHT TO SELECT SHIPPER FOR ITS PRODUCTS IF DISCOUNTS
           ARE MORE ADVANTAGEOUS TO BUYER.

           REBATE (DISCOUNT) ON FREIGHT DOES NOT INCLUDE MONEY ORDERS/PICK PACK
           PRODUCTS FOR WHICH NORHTSTAR DOES NOT RECEIVE A DISCOUNT.

           DISCOUNTS WILL BE DISCUSSED AND ADJUSTED AT THE ANNUAL REVIEWS OF THE
           PROGRAM.

     10.12 GOVERNING LAW:  THIS AGREEMENT IS GOVERNED BY AND CONSTRUED IN
           ACCORDANCE WITH MINNESOTA LAW AND IT IS THE ENTIRE AGREEMENT BETWEEN
           THE PARTIES.  THIS AGREEMENT MAY BE AMENDED OR ASSIGNED ONLY BY THE
           WRITTEN AGREEMENT OF BOTH PARTIES.

     10.13 OWNERSHIP:  ALL PROOFS, PRINTS, NEGATIVES, SEPARATIONS, ENHANCEMENTS,
           DISKS, ELECTRONIC FILES, DIGITAL INFORMATION, ETC., THAT ARE PROVIDED
           BY BUYER OR DEVELOPED OR CREATED BY SELLER IN CONNECTION WITH THIS
           AGREEMENT, BOTH THE PHYSICAL MEDIUM AND THE INTELLECTUAL PROPERTY
           RIGHTS, ARE THE EXCLUSIVE PROPERTY OF BUYER AND MUST BE RETURNED TO
           BUYER UPON REQUEST OR WITHIN TEN (10) DAYS OF THE TERMINATION OF THIS
           CONTRACT IN A FORM USED BY SELLER OR AVAILABLE TO SELLER WITHOUT
           ADDITIONAL EXPENSE.  NOTE THAT SELLER FILES DIGITAL INFORMATION ON AN
           AMGRAF MECCA SYSTEM.

     10.14 PRODUCT SPECIFICATIONS:  SELLER AGREES TO MANUFACTURE ALL PRODUCTS IN
           SPECIFICATION WITH ANSI STANDARDS IN REGARDS TO SIZE, MICR AND PAPER.
           EXHIBIT "C" LISTS AUTOMATED MICR FORMS SPECIFICATIONS.  ALL MICR
           FORMS SHOULD BE CREATED TO THESE SPECIFICATIONS UNLESS THE PURCHASE
           ORDER  SPECIFICALLY STATES OTHERWISE.  EXCEPTIONS WILL BE SIGNED BY
           BOTH PARTIES AT AUTHORIZED LEVELS

     10.15 CONFORMANCE REQUIREMENTS:  CONFORMANCE REQUIREMENTS FOR MICR FORMS IS
           ADDRESSED IN  EXHIBIT C.

     10.16 SECURITY REQUIREMENTS:  SELLER AGREES TO INSTALL AND MAINTAIN
           SECURITY REQUIREMENTS FOUND IN EXHIBIT B FOR THE DURATION OF THIS
           AGREEMENT AND ANY EXTENSIONS.  BUYER SHALL ALSO HAVE THE RIGHT TO
           INSPECT THE RECORDS, WHEREVER MAINTAINED, UPON REASONABLE NOTICE,
           DURING REGULAR BUSINESS HOURS.

XI.  Amendments

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     11.1  THIS AGREEMENT SHALL NOT BE DEEMED OR CONSTRUED TO HAVE BEEN
           MODIFIED, AMENDED, RESCINDED, CANCELED OR WAIVED IN WHOLE OR IN PART,
           EXCEPT BY WRITTEN INSTRUMENTS SIGNED BY THE PARTIES HERETO; FURTHER,
           IT IS EXPRESSLY AGREED THAT MATTERS AFFECTING THIS AGREEMENT IN
           GENERAL MUST BE SIGNED BY BOTH PARTIES.

XII. Right of  Termination

     12.1  IF EITHER BUYER OR SELLER FAILS TO PERFORM ANY OF  ITS COVENANTS OR
           OBLIGATIONS UNDER THIS AGREEMENT (OTHER THAN AS EXPRESSLY SET FORTH
           IN SECTION 12.3), AND SUCH FAILURE IS, OR IN THE AGGREGATE SUCH
           FAILURES ARE, MATERIAL, THEN THE PARTY NOT IN DEFAULT UNDER THIS
           AGREEMENT MAY PROVIDE WRITTEN NOTICE OF ITS INTENT TO TERMINATE THIS
           AGREEMENT AND IF SUCH DEFAULT IS NOT CURED WITHIN TEN (10) BUSINESS
           DAYS FROM THE DATE OF WRITTEN NOTICE TO THE DEFAULTING PARTY OR,  IF
           SUCH DEFAULT CANNOT REASONABLY BE CURED WITHIN SUCH TEN (10) BUSINESS
           DAY PERIOD, IF CURE IS NOT COMMENCED WITHIN SUCH PERIOD AND
           THEREAFTER DILIGENTLY PURSUED,  THEN THE NONDEFAULTING PARTY MAY
           TERMINATE THIS AGREEMENT IMMEDIATELY.

     12.2. IF THE PARTY NOT IN DEFAULT UNDER THIS AGREEMENT ELECTS TO TERMINATE
           THIS AGREEMENT PURSUANT TO SECTION 12.1., THEN, IN ADDITION TO SUCH
           TERMINATION AND SUBJECT TO THE TERMS OF THIS AGREEMENT, THE PARTY NOT
           IN DEFAULT SHALL BE ENTITLED TO ANY AND ALL OTHER REMEDIES PROVIDED
           BY LAW OR EQUITY FOR THE OTHER PARTY'S FAILURE TO FULFILL ITS
           OBLIGATIONS UNDER THIS AGREEMENT.

     12.3. IF EITHER BUYER OR SELLER BECOMES OR IS DECLARED INSOLVENT OR
           BANKRUPT, THEN THIS AGREEMENT SHALL BE IMMEDIATELY TERMINATED,
           WITHOUT THE REQUIREMENT OF ANY NOTICE TO THE INSOLVENT OR BANKRUPT
           PARTY.  A PARTY SHALL BE DEEMED INSOLVENT OR BANKRUPT FOR PURPOSES OF
           THIS SECTION IN THE EVENT THAT:

           (a) A RECEIVER, LIQUIDATOR OR TRUSTEE OF A PARTY IS APPOINTED BY
               COURT ORDER AND SUCH ORDER REMAINS IN EFFECT FOR MORE THAN THIRTY
               (30) DAYS; OR A CASE IS COMMENCED OR A PETITION IS FILED AGAINST
               A PARTY UNDER ANY APPLICABLE LIQUIDATION, CONSERVATORSHIP,
               BANKRUPTCY, MORATORIUM INSOLVENCY, REORGANIZATION OR SIMILAR LAWS
               FOR THE RELIEF OF DEBTORS FROM TIME TO TIME IN EFFECT AND
               GENERALLY AFFECTING THE RIGHTS OF CREDITORS (A "DEBTOR RELIEF
               LAW"); OR

           (b) A PARTY VOLUNTARILY SEEKS, CONSENTS TO, OR ACQUIESCES IN THE
               BENEFIT OR BENEFITS OF ANY PROVISION OF ANY DEBTOR RELIEF LAW;
               CONSENTS TO THE FILING OF ANY ASSIGNMENT FOR THE BENEFIT OF ITS
               CREDITORS; ADMITS IN WRITING ITS INABILITY TO PAY ITS DEBTS
               GENERALLY AS THEY BECOME DUE; OR

                                       10
<PAGE>

               CONSENTS TO THE APPOINTMENT OF A RECEIVER, TRUSTEE, LIQUIDATOR OR
               CONSERVATOR FOR IT OR ANY PART OF ITS PROPERTY.

     12.4.                                    If Seller fails to deliver to
           Buyer the CFO report as required by SECTION 21.1, or if the
           report is not reasonably satisfactory to Buyer because of
           declining financial condition, the Buyer shall have the right to
           terminate this Agreement upon sixty (60) days prior written
           notice to Seller.

     12.5  CHANGE OF OWNERSHIP OR CONTROL:  SELLER AGREES THAT A CHANGE IN ITS
           OWNERSHIP OR CONTROL DURING THE TERM OF THIS AGREEMENT SHALL HAVE NO
           EFFECT ON THE AGREEMENT WITH THE EXCEPTION THAT BUYER MAY TERMINATE
           THE AGREEMENT UPON WRITTEN NOTICE TO SELLER.  FOR PURPOSES OF THIS
           AGREEMENT, A CHANGE IN OWNERSHIP OR CONTROL OCCURS WHEN THIRTY
           PERCENT (30%) OR MORE OF SELLER'S SHARES OR ASSETS ARE TRANSFERRED.
           SELLER WILL PROVIDE BUYER NECESSARY INFORMATION AT THE EARLIEST
           OPPORTUNITY.  CHANGE OF OWNERSHIP DOES NOT INCLUDE SELLER'S BUYBACK
           OF ITS OWN STOCK.

     12.6  TERMINATION TRANSITION:  BUYER AGREES TO TRANSITION VOLUME IN SIX
           MONTH INTERVALS AT THE CONCLUSION OF THIS AGREEMENT SO AS TO EFFECT A
           SMOOTH TRANSITION FOR BOTH PARTIES.  MONEY ORDERS WILL FORM ONE
           PRODUCT GROUP, OFFICIAL CHECKS WILL FORM A SECOND PRODUCT GROUP AND
           ALL OTHER ITEMS WILL FORM THE REMAINING PRODUCT GROUP.

     12.7  DISPUTE RESOLUTION PROCEDURE:

           a.  NOTICE AND CURE.  EXCEPT AS OTHERWISE SPECIFIED IN THIS
           AGREEMENT, IN THE EVENT OF A BREACH OF THE AGREEMENT THE NONBREACHING
           PARTY SHALL GIVE THE BREACHING PARTY WRITTEN NOTICE OF THE BREACH AND
           THIRTY (30) DAYS TO CURE IT.

           b.  NEGOTIATION.  THE PARTIES AGREE TO USE THEIR BEST EFFORTS TO
           NEGOTIATE A RESOLUTION OF THE PROBLEM WITHIN THE THIRTY (30) DAY CURE
           PERIOD.

           c.  EXECUTIVE REPRESENTATIVES.  IF THE PARTIES ARE UNABLE TO RESOLVE
           THE PROBLEM AS PROVIDED ABOVE, THEY WILL EACH PROMPTLY DESIGNATE IN
           WRITING ONE EXECUTIVE REPRESENTATIVE FROM EACH PARTY.  THE EXECUTIVE
           REPRESENTATIVES WILL USE THEIR BEST EFFORTS TO NEGOTIATE A RESOLUTION
           OF THE PROBLEM WITHIN THIRTY (30) DAYS.

           d.  MEDIATION.  IF THE PARTIES ARE UNABLE TO RESOLVE THE DISPUTE AS
           PROVIDED ABOVE, THEY WILL SUBMIT THE DISPUTE TO NONBINDING MEDIATION
           WITH A NEUTRAL MEDIATOR IN MINNEAPOLIS, MINNESOTA.  EACH PARTY WILL
           PAY ITS OWN EXPENSES, AND THE PARTIES WILL SHARE EQUALLY THE FEES AND
           EXPENSES OF THE MEDIATOR.

                                       11
<PAGE>

           E.  ARBITRATION.  IF MEDIATION FAILS TO RESOLVE THE DISPUTE WITHIN
           NINETY (90) DAYS FROM THE DATE OF SUBMISSION, THE PARTIES SHALL
           SUBMIT THE DISPUTE TO BINDING ARBITRATION IN MINNEAPOLIS, MINNESOTA.

           F.  TERMINATION AND OTHER REMEDIES.  NOTHING IN THIS DISPUTE
           RESOLUTION PROCEDURE PREVENTS A PARTY FROM TERMINATING THIS AGREEMENT
           ACCORDING TO ITS PROVISIONS OR INSTITUTING FORMAL PROCEEDINGS AT ANY
           TIME TO AVOID THE EXPIRATION OF ANY APPLICABLE LIMITATIONS PERIOD, OR
           TO PRESERVE THOSE RIGHTS REGARDING CONFIDENTIALITY, OR WHERE A PARTY
           IN GOOD FAITH OTHERWISE DETERMINES THAT A BREACH OF THIS AGREEMENT BY
           THE OTHER PARTY MAY CAUSE IRREPARABLE HARM AND RELIEF IN THE FORM OF
           A RESTRAINING ORDER, INJUNCTIVE ORDER OR OTHER EQUITABLE REMEDY IS
           THE ONLY ADEQUATE REMEDY.

XIII. Insurance Coverage

     13.1. MINIMUM INSURANCE COVERAGE.  THROUGHOUT THE TERM, SELLER WILL
     MAINTAIN INSURANCE COVERAGE REASONABLY SATISFACTORY TO BUYER.

           (a) COMPREHENSIVE GENERAL LIABILITY, LEGAL LIABILITY COVERAGE,
               COVERING THE LIABILITY ASSUMED UNDER THIS AGREEMENT, SUBJECT TO A
               MINIMUM COMBINED SINGLE LIMIT OF $2,000,000.00 FOR BODILY INJURY
               AND PROPERTY DAMAGE PER ANY ONE OCCURRENCE.  THE FOREGOING CAN BE
               FULFILLED BY AN UMBRELLA INSURANCE POLICY.

           (b) COMPREHENSIVE AUTOMOBILE LIABILITY INSURANCE, INCLUDING LIABILITY
               COVERING VEHICLES HIRED BY THE INSURED, AND VEHICLES OWNED BY THE
               INSURED'S EMPLOYEES AND AGENTS AND USED IN THE INSURED'S
               BUSINESS, AS WELL AS THOSE OWNED BY THE INSURED (SOMETIMES KNOWN
               AS OWNED, COMBINED SINGLE LIMIT OF $2,000,000.00 FOR BODILY
               INJURY AND PROPERTY DAMAGE PER ANY ONE OCCURRENCE.  THE FOREGOING
               CAN BE FULFILLED BY AN UMBRELLA INSURANCE POLICY.

           (c) WORKMEN'S COMPENSATION INSURANCE TO THE FULL EXTENT REQUIRED BY
               APPLICABLE STATE LAW.

           (d) CRIME AND PREMISES INSURANCE, INCLUDING, BUT NOT LIMITED TO,
               COVERAGE FOR EMPLOYEE DISHONESTY AND AGENT DISHONESTY COVERING
               FOR NEGOTIABLE SECURITIES OF OTHERS WITH A MINIMUM LIMIT OF
               $1,000,000.00

     13.2. ADDITIONAL INSURED.  SELLER FURTHER AGREES TO NAME BUYER AS AN
           ADDITIONAL INSURED, WITH RESPECT TO THIS AGREEMENT AS IT RELATES TO
           BUYER'S EMPLOYEES, AGENTS, DIRECTORS AND AFFILIATES ON THE
           COMPREHENSIVE GENERAL LIABILITY AND COMPREHENSIVE AUTOMOBILE
           LIABILITY POLICIES REFERRED TO IN THE ABOVE SECTION

                                       12
<PAGE>

           13.1. SELLER WILL PROVIDE BUYER WITH A COPY OF COVERAGE'S WITH
           BUYER NAMED AS AN ADDITIONAL INSURED ON THE COMPREHENSIVE GENERAL
           LIABILITY AND COMPREHENSIVE AUTOMOBILE LIABILITY POLICIES WITHIN
           TEN (10) DAYS OF THE DATE THIS AGREEMENT IS FULLY EXECUTED BY THE
           PARTIES HERETO.

     13.3. CERTIFICATES OF INSURANCE.  BEFORE COMMENCING SERVICES HEREUNDER,
           SELLER SHALL DELIVER TO BUYER CERTIFICATES OF INSURANCE EVIDENCING
           THE FOREGOING COVERAGE'S ISSUED BY THE ACCEPTABLE INSURANCE CARRIER
           (s), PROVIDING THAT NOT LESS THAN THIRTY (30) DAYS WRITTEN NOTICE
           SHALL BE GIVEN TO BUYER PRIOR TO ANY CHANGE IN THE TERMS AND
           CONDITIONS OF ANY SUCH INSURANCE COVERAGE OR THE CANCELLATION,
           TERMINATION OR EXPIRATION OF ANY SUCH INSURANCE COVERAGE.

XIV. Indemnification By Third Party Claims And Limitation Of Liability.

     14.1  SELLER AGREES TO INDEMNIFY AND HOLD HARMLESS BUYER, ITS DIRECTORS,
           OFFICERS, AGENTS AND EMPLOYEES FROM AND AGAINST ALL LOSSES, DAMAGES,
           CLAIMS, LIABILITIES AND CAUSES OF ACTION OF EVERY KIND, INCLUDING
           CLAIMS FOR THE PAYMENT OF NEGOTIABLE INSTRUMENTS (AS WELL AS COSTS
           AND EXPENSES INCIDENT THERETO, INCLUDING ATTORNEYS' FEES) CAUSED BY
           THE FAULT OR NEGLIGENCE OF SELLER OR ITS EMPLOYEES ARISING OUT OF
           THIS AGREEMENT OR RELATED TO THE INVENTORY ENTRUSTED TO SELLER,
           EXCEPT ANY LOSSES TO THE EXTENT CAUSED BY THE FAULT OR NEGLIGENCE OF
           BUYER OR ITS EMPLOYEES.  SELLER SHALL GIVE THE BUYER PROMPT AND
           REASONABLE NOTICE OF ANY SUCH CLAIMS OR ACTIONS, AND BUYER SHALL HAVE
           THE RIGHT TO INVESTIGATE, COMPROMISE AND DEFEND THE SAME TO THE
           EXTENT OF ITS OWN INTERESTS.

     14.2  BUYER AGREES TO INDEMNIFY AND HOLD HARMLESS SELLER, ITS DIRECTORS,
           OFFICERS, AGENTS AND EMPLOYEES FROM AND AGAINST ALL LOSSES, DAMAGES,
           CLAIMS, LIABILITIES AND CAUSES OF ACTION OF EVERY KIND, INCLUDING
           CLAIMS FOR THE PAYMENT OF NEGOTIABLE INSTRUMENTS (AS WELL AS COSTS
           AND EXPENSES INCIDENT THERETO, INCLUDING ATTORNEYS' FEES) CAUSED BY
           THE FAULT OR NEGLIGENCE OF BUYER OR ITS EMPLOYEES ARISING OUT OF THIS
           AGREEMENT, EXCEPT ANY LOSSES TO THE EXTENT CAUSED BY THE FAULT OR
           NEGLIGENCE OF SELLER OR ITS EMPLOYEES.  BUYER SHALL GIVE SELLER
           PROMPT AND REASONABLE NOTICE OF ANY SUCH CLAIMS OR ACTIONS, AND
           SELLER SHALL HAVE THE RIGHT TO INVESTIGATE, COMPROMISE AND DEFEND THE
           SAME TO THE EXTENT OF ITS OWN INTERESTS.

     14.3. REMEDIES CUMULATIVE; DAMAGES.  ALL REMEDIES ARE CUMULATIVE.  FAILURE
           TO EXERCISE A RIGHT OR REMEDY IS NOT A WAIVER.  EXCEPT WHEN DUE TO A
           CLAIM OR ACTION PURSUANT TO Section 14.1. (c), NEITHER PARTY IS
           LIABLE TO THE OTHER PARTY FOR ANY INDIRECT, SPECIAL, INCIDENTAL,
           CONSEQUENTIAL OR PUNITIVE DAMAGES.

     14.4. SURVIVAL.  THIS ARTICLE XIV SHALL SURVIVE THE EXPIRATION OR
           TERMINATION OF THIS AGREEMENT.

                                       13
<PAGE>

XV.  Relationship Of Parties.

     15.1  IN CONNECTION WITH THIS AGREEMENT, EACH PARTY IS AN INDEPENDENT
           CONTRACTOR, AND NEITHER PARTY HAS ANY AUTHORITY TO BIND OR COMMIT THE
           OTHER.  NOTHING HEREIN SHALL BE DEEMED OR CONSTRUED TO CREATE A JOINT
           VENTURE, PARTNERSHIP OR AGENCY RELATIONSHIP BETWEEN THE PARTIES FOR
           ANY PURPOSE.

XVI. Severability

     16.1  IF ANY TERM OR PROVISION OF THIS AGREEMENT SHALL BE FOUND BY A COURT
           OF COMPETENT JURISDICTION TO BE INVALID, ILLEGAL OR OTHERWISE
           UNENFORCEABLE, THE SAME SHALL NOT AFFECT THE OTHER TERMS OR
           PROVISIONS HEREOF OR THE WHOLE OF THIS AGREEMENT, BUT SUCH TERM OR
           PROVISION SHALL BE DEEMED MODIFIED TO THE EXTENT NECESSARY IN THE
           COURT'S OPINION TO RENDER SUCH TERM OR PROVISION ENFORCEABLE, AND THE
           RIGHTS AND OBLIGATIONS OF THE PARTIES SHALL BE CONSTRUED AND ENFORCED
           ACCORDINGLY, PRESERVING TO THE FULLEST PERMISSIBLE EXTENT THE INTENT
           AND AGREEMENTS OF THE PARTIES HEREIN SET FORTH.

                                   IX. NOTICE

     17.1  ANY NOTICE PROVIDED FOR IN, OR PERMITTED UNDER, THIS AGREEMENT SHALL
           BE MADE IN WRITING AND MAY BE GIVEN OR SERVED BY (a) DELIVERING THE
           SAME IN PERSON OR BY PREPAID MESSENGER SERVICE TO THE PARTY TO BE
           NOTIFIED, (b) DEPOSITING THE SAME IN THE MAIL, POSTAGE PREPAID,
           REGISTERED OR CERTIFIED WITH RETURN RECEIPT REQUESTED, AND ADDRESSED
           TO THE PARTY TO BE NOTIFIED AT THE ADDRESS HEREIN SPECIFIED, OR (c)
           TELEX, TELEGRAPH, FACSIMILE, OR OTHER WRITTEN TELECOMMUNICATION
           MEDIUM.  IF NOTICE IS DEPOSITED IN THE UNITED STATES MAIL PURSUANT TO
           CLAUSE (b) OF THIS SECTION 17.1, IT WILL BE EFFECTIVE FROM AND AFTER
           THREE (3) DAYS FOLLOWING THE DATE THAT IT IS SO DEPOSITED.  NOTICE
           GIVEN IN ANY OTHER MANNER SHALL BE EFFECTIVE ONLY IN AND WHEN
           RECEIVED AT THE ADDRESS OF THE PARTY TO BE NOTIFIED.  FOR THE PURPOSE
           OF NOTICE, THE ADDRESSES AND FACSIMILE NUMBERS ARE AS FOLLOWS:

IF TO SELLER:
           NORTHSTAR COMPUTER FORMS, INC.
           7130 NORTHLAND CIRCLE NORTH
           BROOKLYN PARK, MINNESOTA  55428
           ATTN:   PRESIDENT
           FACSIMILE: 612/535-5671

                                       14
<PAGE>

IF TO BUYER:

     TRAVELERS EXPRESS COMPANY, INC.
     1550 UTICA AVENUE SOUTH
     ST. LOUIS PARK, MINNESOTA 55416
     ATTN: DIRECTOR OF CORPORATE SERVICES
     FACSIMILE:  612/591-3121

WITH A COPY TO (EXCEPT FOR COMMUNICATIONS REQUIRED FOR THE DAILY PERFORMANCE OF
SERVICES):

     TRAVELERS EXPRESS COMPANY, INC.
     1550 UTICA AVENUE SOUTH
     ST. LOUIS PARK, MINNESOTA 55416
     ATTN: LEGAL DEPARTMENT
     FACSIMILE:  612/591-3859

XVIII.     Force Majeure.

     18.1  NEITHER PARTY SHALL BE LIABLE FOR ANY DELAYS OR FAILURES IN
           PERFORMANCE DUE TO FIRE OR TO LABOR OR MATERIAL SHORTAGES, OR TO
           STRIKES, WALKOUTS, PUBLIC ENEMY, ACTS OF GOD OR TO CAUSES BEYOND THE
           PARTY'S CONTROL THAT ARE NOT DUE TO ITS NEGLIGENCE, GROSS NEGLIGENCE
           OR WILLFUL MISCONDUCT.  THE PARTY WHOSE PERFORMANCE IS TO BE EXCUSED
           AS PROVIDED IN THE PREVIOUS SENTENCE MUST ADVISE THE OTHER PARTY OF
           SUCH DELAY OR FAILURE IN PERFORMANCE AS SOON AS SUCH PARTY HAS, OR
           SHOULD HAVE, KNOWLEDGE THAT AN EVENT HAS OCCURRED WHICH WILL CAUSE
           SAME.  WITHIN FIVE DAYS, THE PARTY MUST CONFIRM THE ADVICE BY WRITTEN
           NOTICE AND FURNISH AS MUCH DETAIL AS IS REASONABLE AVAILABLE.  IF ANY
           INTERRUPTION OF PERFORMANCE CONTINUES LONGER THAN THIRTY DAYS, THE
           OTHER PARTY MAY TERMINATE THIS AGREEMENT BY WRITTEN NOTICE TO THE
           PARTY WHOSE PERFORMANCE IS INTERRUPTED UNLESS A COURSE OF CORRECTIVE
           ACTION IS APPROVED BY BOTH PARTIES.

XIX. Environmental Liability.

     19.1  SELLER AND BUYER ACKNOWLEDGE TO EACH OTHER THAT EACH RECOGNIZES THAT
           CERTAIN FEDERAL, STATE AND LOCAL LAWS AND REGULATIONS IMPOSE
           LIABILITY UPON

                                       15
<PAGE>

           MULTIPLE PARTIES CONSIDERED RESPONSIBLE FOR ANY HAZARDOUS, TOXIC,
           RADIOACTIVE, POLLUTANT, OR IRRITANT CONDITION ("CONDITION") UNDER
           THE DOCTRINE OF JOINT AND SEVERAL LIABILITY, OR STRICT LIABILITY.
           BUYER AND SELLER EACH ACKNOWLEDGE AND AGREE THAT IT IS NOT THE
           PURPOSE OF THIS AGREEMENT THAT EITHER SHALL BE EXPOSED TO ANY
           LIABILITY ARISING OUT OF ANY CONDITION AT THE OTHER'S FACILITIES,
           OR THE ACTIVITIES OF THE OTHER. ACCORDINGLY, EACH PARTY HERETO
           (AN "INDEMNIFYING PARTY") DOES WAIVE ANY AND ALL CLAIMS, AND
           AGREES TO INDEMNIFY, DEFEND, AND SAVE HARMLESS THE OTHER PARTY,
           ITS AGENTS, EMPLOYEES, AND SUBCONTRACTORS (INDIVIDUALLY AND
           COLLECTIVELY, AN "INDEMNIFIED PARTY"), FOR, FROM AND AGAINST ANY
           SUITS, JUDGMENTS OR EXPENSES, AND REASONABLE ATTORNEYS FEES, BY
           REASON OF ANY INJURY TO PERSONS, DEATH, DAMAGE TO PROPERTY, OR
           VIOLATION OF ANY LAW, OR REGULATION ARISING IN CONNECTION WITH
           ANY CONDITION AT THE INDEMNIFYING PARTY'S FACILITIES, OR ANY
           CONDITION ARISING IN CONNECTION WITH THE INDEMNIFYING PARTY'S
           ACTIVITIES IN THE MANUFACTURING, WAREHOUSING AND DEPLOYMENT OF
           THE INSTRUMENTS AND OTHER BUYER PROPERTY. THE OBLIGATION SET
           FORTH HEREIN SHALL CONTINUE IN FULL FORCE AND EFFECT, WHETHER OR
           NOT THIS AGREEMENT IS TERMINATED FOR ANY REASON WHATSOEVER.

XX.  Right To Inspect And Maintenance Of Books And Records.

     20.1  BUYER, AFTER GIVING REASONABLE NOTICE TO SELLER, SHALL HAVE THE RIGHT
           AT REASONABLE INTERVALS TO HAVE ITS EMPLOYEES, AGENTS OR
           REPRESENTATIVES INSPECT THE FACILITIES DURING REGULAR BUSINESS HOURS
           FOR THE SOLE PURPOSE OF CONFIRMING ADHERENCE TO THE TERMS AND
           CONDITIONS OF THIS AGREEMENT.  SUCH RIGHT OF INSPECTION SHALL NOT
           INTERFERE WITH THE NORMAL CONDUCT OF SELLER'S BUSINESS OR THE
           OPERATIONS OF ITS FACILITIES.

     20.2  ALL SUPPLIES AND SERVICES PROVIDED HEREUNDER BY SELLER SHALL BE
           SUBJECT TO FINAL INSPECTION AND APPROVAL BY BUYER.  IT IS EXPRESSLY
           UNDERSTOOD AND AGREED THAT THE MERE FACT THAT BUYER MADE PAYMENT FOR
           SAME DOES NOT CONSTITUTE FINAL ACCEPTANCE OR A WAIVER OF ANY RIGHTS.

     20.3 THROUGHOUT THE TERM, SELLER SHALL MAINTAIN REASONABLY FULL AND
          ACCURATE ACCOUNTS, RECORDS, BOOKS, JOURNALS, LEDGERS, AND DATA
          (COLLECTIVELY, "RECORDS") REGARDING THE SERVICES RENDERED HEREUNDER,
          ALL IN ACCORDANCE WITH GENERALLY ACCEPTED ACCOUNTING PRINCIPLES. UPON
          TWO (2) DAYS ADVANCE NOTICE, BUYER, ITS EMPLOYEES, AGENTS OR
          REPRESENTATIVES SHALL HAVE THE RIGHT AT REASONABLE INTERVALS DURING
          NORMAL BUSINESS HOURS TO INSPECT THE RECORDS, AND SUCH OTHER RECORDS
          AS MAY BE REASONABLY NECESSARY, FOR THE SOLE PURPOSE OF VERIFYING
          PERFORMANCE BY SELLER OF THE SERVICES AND TO CONFIRM THE SERVICE FEES.
          SELLER SHALL MAINTAIN ALL RECORDS RELATED TO INVOICES, SERVICES AND
          BACKUP DOCUMENTATION ASSOCIATED THEREWITH FOR A PERIOD OF AT LEAST

                                       16
<PAGE>

          THREE (3) YEARS AFTER THE TERMINATION OR EXPIRATION OF THIS AGREEMENT.
          SELLER SHALL ALSO MAKE THE RECORDS AVAILABLE TO BUYER, ITS EMPLOYEES,
          AGENTS OR REPRESENTATIVES WITHIN THE MINNEAPOLIS, MINNESOTA,
          METROPOLITAN AREA WITHIN TEN (10) DAYS AFTER RECEIPT OF A REASONABLE
          REQUEST FOR SUCH RECORDS FROM BUYER. FURTHER, BUYER SHALL HAVE THE
          RIGHT TO INSPECT THE RECORDS AT REASONABLE INTERVALS WHEREVER
          MAINTAINED, UPON REASONABLE NOTICE, DURING REGULAR BUSINESS HOURS.

XXI. Financial Statements And Reports.

     21.1  DURING THE TERM, UPON BUYER'S REQUEST, SELLER WILL FURNISH OR CAUSE
           TO BE FURNISHED TO BUYER, AS SOON AS THE SAME ARE AVAILABLE, AND IN
           ANY EVENT WITHIN ONE HUNDRED TWENTY (120) DAYS OF THE END OF EACH
           FISCAL YEAR A COPY OF SELLER'S CHIEF FINANCIAL OFFICER'S REPORT OF
           KEY FINANCIAL INFORMATION ("CFO REPORT").  THE CFO REPORT IS AN
           ANNUAL AUDITED COMPILATION OF SELLER'S INCOME STATEMENT, BALANCE
           SHEET AND STATEMENT OF CASH FLOWS.  BUYER SHALL SIGN THE
           CONFIDENTIALITY AGREEMENT WHICH SHALL ACCOMPANY THE CFO REPORT,
           PROVIDED THAT SUCH AGREEMENT CONTAINS LANGUAGE MATERIALLY CONSISTENT
           WITH THE BUYER'S MUTUAL CONFIDENTIALITY AGREEMENT.

XXII.      Publicity.

     22.1  WITHOUT THE PRIOR WRITTEN APPROVAL OF BUYER, SELLER IS PROHIBITED
           FROM ANY MEDIA RELEASES, PUBLIC ANNOUNCEMENTS AND PUBLIC DISCLOSURES
           RELATING TO THIS AGREEMENT OR THE SUBJECT MATTER OF THIS AGREEMENT,
           INCLUDING, WITHOUT LIMITATION, PROMOTIONAL OR MARKETING MATERIALS,
           BUT NOT INCLUDING ANY ANNOUNCEMENT INTENDED SOLELY FOR INTERNAL
           DISTRIBUTION OR ANY DISCLOSURE REQUIRED BY LEGAL, ACCOUNTING OR
           REGULATORY REQUIREMENTS.

XXIII.     Third Party Beneficiaries.

     23.1  BUYER AND SELLER AGREE THAT THIS AGREEMENT IS FOR THEIR BENEFIT AND
           IS NOT INTENDED TO CONFER ANY RIGHTS OR BENEFITS ON ANY THIRD
           PARTIES, INCLUDING WITHOUT LIMITATION, ANY EMPLOYEES OF BUYER OR
           SELLER.

XXIV.      Captions.

     24.1  CAPTIONS APPEARING IN THIS AGREEMENT ARE FOR CONVENIENCE ONLY AND
           SHALL NOT BE DEEMED TO EXPLAIN, LIMIT OR AMPLIFY THE PROVISIONS
           HEREOF.

XXV. Assignment Or Delegation Of Duties.

                                       17
<PAGE>

     25.1  EXCEPT AS PROVIDED IN SECTION 10.9 OF THIS AGREEMENT, SELLER SHALL
           NOT ASSIGN, SUBCONTRACT, OR OTHERWISE CONVEY OR DELEGATE ITS RIGHTS
           OR DUTIES HEREUNDER TO ANY OTHER PARTY WITHOUT THE PRIOR WRITTEN
           CONSENT OF BUYER, WHICH SHALL NOT BE UNREASONABLY WITHHELD OR DELAYED
           AND WHICH CONSENT, IF GIVEN, SHALL PROVIDE THAT IT IS SUBJECT TO ALL
           THE TERMS AND CONDITIONS OF THIS AGREEMENT.

XXVI.Disaster Recovery.  SELLER AGREES TO MAINTAIN A DISASTER RECOVERY PLAN
     SATISFACTORY TO BUYER AND TO PROVIDE BUYER WITH A DESCRIPTION OF THE PLAN
     AS EXHIBIT G TO THIS AGREEMENT.  THE DESCRIPTION PROVIDED AS EXHIBIT G IS A
     BRIEF SUMMARY.  THE PLAN IS AVAILABLE IN ITS ENTIRETY AT SELLER'S CORPORATE
     OFFICES.

XXVII.     Year 2000 Readiness.   SELLER WARRANTS THAT IN PERFORMING THIS
     CONTRACT IT WILL ACCURATELY PROCESS DATE/TIME DATA FROM, INTO, AND BETWEEN
     THE TWENTIETH AND TWENTY-FIRST CENTURIES, THE YEARS 1999 AND 2000, AND LEAP
     YEAR CALCULATIONS.

     Buyer warrants that in performing this contract if will accurately process
     date/time data from, into and between the twentieth and twenty -first
     centuries, the years 1999 and 2000, and leap year calculations.

XXVIII Attachments.  THIS AGREEMENT, TOGETHER WITH THE FOLLOWING EXHIBITS, IS
     THE ENTIRE AGREEMENT BETWEEN THE PARTIES:

     EXHIBIT A, PRICING

     EXHIBIT B, SECURITY REQUIREMENTS

     EXHIBIT C, SPECIFICATIONS

     EXHIBIT D, GENERAL TECI TERMS AND CONDITIONS

     EXHIBIT E, REBATE SCHEDULE

     EXHIBIT F, CONTACT PEOPLE

     EXHIBIT G, SELLER'S DISASTER RECOVERY PLAN

     In the event of any inconsistency between this Agreement and the exhibits,
     this Agreement controls.

                                       18
<PAGE>

     In Witness Whereof, THE PARTIES HERETO HAVE SIGNED THIS AGREEMENT AS OF THE
DAY AND YEAR FIRST ABOVE WRITTEN.

SELLER:                                 BUYER:

NORTHSTAR COMPUTER FORMS, INC.,         TRAVELERS EXPRESS COMPANY, INC.,

A  MINNESOTA CORPORATION                A MINNESOTA CORPORATION

BY: ___________________________         BY: _______________________

NAME: _________________________         NAME: _____________________

TITLE: ___________________________      TITLE: _______________________

DATE: ___________________________       DATE: _______________________

                                      19<PAGE>

                                  SERVICE AGREEMENT

THIS AGREEMENT (the "Agreement") is made and entered into as of this October 15,
1999, by and between U.S. Bancorp-Registered Trademark-, having its principal
place of business at 601 2nd Avenue South, Minneapolis, MN  55402 ("Customer")
and Northstar Computer Forms, Inc., having principal place of business at 7130
Northland Circle North, Brookly Park, MN 55428, ("Supplier"), collectively the
"Parties".

INDUCEMENTS

A    WHEREAS, SUPPLIER IS AN EXPERIENCED PROVIDER OF CERTAIN FINANCIAL FORMS
PRODUCTS; AND

WHEREAS, Customer has submitted to Supplier a Request For Proposal dated April
15, 1999 which is attached as Exhibit D (the "RFP") setting forth certain
information regarding (I) services related to the production of Customer's
financial forms printing requirements, (ii) Customer's desire to add value and
to improve its capability for delivering effective business transaction through
such documents, and (iii) certain requirements to fulfill the present and future
needs of Customer over the next two (2) years; and

WHEREAS, based on the results of Supplier's review and analysis of the RFP,
Supplier has prepared and delivered to Customer a Proposal dated May 11, 1999
which is attached as Exhibit E (the "Proposal") setting forth representations
including conclusions, recommendations, and benefits regarding the appropriate
products required to provide Customer with certain financial forms requirements
as specified in the RFP's criteria; and to further provide Customer with the
capability and the flexibility sufficient to handle its current and reasonable
anticipated growth in the next two (2) years in an economical and commercially
reasonable manner; and

WHEREAS, on the basis of the representations contained in Supplier's proposal,
presentations, other printed material, correspondence and in reliance upon the
expertise of Supplier as an experienced provider of certain financial forms
products for companies such as Customer; and

WHEREAS, Customer has a need for such products and desires to have Supplier
provide such products as described herein; and

NOW, THEREFORE, in consideration of the foregoing and the mutual promises set
forth below, the sufficiency of which are hereby acknowledged, the Parties agree
as follows:

1.   DEFINITIONS.   For the purposes of this Agreement, in addition to the
     definitions set forth above, the following terms will be defined as
     follows:
          a)   "Customer" shall include all agents, officers, directors,
               representatives and employees of U.S. Bancorp.
          b)   "Customer Designated Personnel shall include the appropriate
               procurement analyst and the document originator.
                                   1

<PAGE>

          c)   "MICR Form" shall mean magnetic ink character recognition encoded
               financial forms.
          d)   "Products" shall mean the products to be provided to Customer by
               Supplier as described in all Statement of Work Exhibits to this
               Agreement or as deemed necessary in order to provide the products
               described therein.
          e)   "Rush Orders" shall mean such orders as identified in all
               Statement of Work Exhibits to this Agreement.
          f)   "Standard Orders" shall mean such orders as identified in all
               Statement of Work Exhibits to this Agreement.
          g)    "Supplier" shall include all agents, officers, directors,
               representatives and employees of Northstar Computuer Forms, Inc.
          h)   "Start-up Date" shall mean January 01,2000-the date the supplier
               will begin filling orders.
          I)   "Performance Standards" shall mean such performance criteria as
               defined in all Statement of Work Exhibits to this Agreement.

2.   SCOPE OF WORK
          a)   Supplier shall provide the Products described in any Statement of
               Work Exhibits to this Agreement  which shall be attached hereto
               and incorporated herein by reference (the "Products").
          b)   Supplier shall take all necessary steps, shall procure, order and
               furnish all of the required tools, materials, labor and equipment
               to complete all of the Products as described in this Agreement.
          c)   The Parties agree that all Products provided by Supplier to
               Customer during the term of this Agreement shall be provided in
               accordance with the provisions of this Agreement, which shall
               supersede and take precedence over any contrary or additional
               terms stated in Supplier's acknowledgment, invoice or other
               document unless the Parties expressly agree by written
               modification to this Agreement, signed by the individuals who
               executed this Agreement or their respective successors or
               superiors, that the provisions of this Agreement shall not apply.
          d)   Customer will purchase its requirements of the Products from
               Supplier.  Notwithstanding the foregoing, in the event that
               Supplier is unable to perform its obligations under this
               Agreement Customer shall have the right to purchase the Products
               elsewhere.  In addition, in the event of an acquisition by
               Customer of another entity Customer will not be obligated to
               purchase such entities' requirements of Products from Supplier if
               i) such entity is expressly prohibited from purchasing Products
               elsewhere,  ii)  such Products are being purchased under superior
               economic terms.  In the case of a merger of Customer with another
               entity, the surviving entity will not be obligated to purchase
               the requirements of the Products of the entity with which it
               merged if i) such entity is expressly prohibited from purchasing
               Products elsewhere,  ii)  such Products are being purchased under
               superior economic terms. In these instances Customer expressly
               reserves the right to request Products from alternate sources
               which are identical or similar to the Products described herein.
                                        2

<PAGE>

          e)   Supplier will furnish Customer, in a timely manner, any and all
               information and materials that Customer may from time to time,
               request in connection with all matters contemplated by this
               Agreement. Supplier warrants and represents that it is a
               corporation in good standing and duly authorized to do business
               and perform its obligations under this Agreement.  Supplier will
               comply with all applicable federal, state and local laws.

3.   TERM

Subject to the rights of termination provided for elsewhere herein, the initial
term of this Agreement will be for a period commencing January 01, 2000 and
remaining in full force and effect through December 31, 2001, inclusive, at
which time it shall automatically renew for one (1) year renewal periods until
Customer or Supplier provides written notice of termination to the other party
no later than one-hundred twenty (120) days prior to the end of the original
term or any renewal period.

4.   TERMINATION
        a)   Customer may terminate this Agreement immediately, in whole or in
             part, in the event Supplier:
             i)   upon thirty (30) days prior written notice from Customer to
                  Supplier of a breach by Supplier in the performance of its
                  respective obligations under this Agreement, which breach is
                  not cured  or a plan for cure is not accepted in writing by
                  nondefaulting party within such thirty (30) days.
              ii)  upon the happening of any event or condition which may, in
                   Customer's good faith judgment, impair Supplier's ability to
                   perform hereunder, Customer may demand, in writing, adequate
                   assurance of Supplier's ability to continue performance of
                   this Agreement.  If Supplier does not provide adequate
                   written assurance within forty-eight (48) hours of receipt
                   of Customer's demand, Supplier shall be deemed to have
                   rejected continued performance hereunder and to have
                   materially breached this Agreement.  In such event, Customer
                   shall have no further liability hereunder.
        b)   Either party may terminate this Agreement at any time after the
             filing of any petition of bankruptcy or for reorganization or debt
             consolidation under the federal bankruptcy laws or under any
             comparable law by or against the other party, or upon the other
             party's making of an assignment of any of its assets for the
             benefit of creditors, or upon the application by the other party
             for the appointment of a receiver or trustee of its assets.
        c)   Customer may terminate this Agreement at any time in the event
             Supplier is acquired by a third party.  Customer may also terminate
             this Agreement in the event Supplier is merged with a third party
             in which either Supplier is not the surviving entity of the merger
             or Senior Management of the Supplier does not remain the Senior
             Management of the surviving entity after the merger.  Customer may
             also terminate this Agreement if Supplier forms an alliance with an
             unrelated third party that performs services and/or sells products
             similar to those of Customer or that is considered a competitor of
             Customer.  In anysuch an event, Customer shall provide Supplier
             notice of its intention to terminate
                                        3

<PAGE>

             this Agreement in writing at least one-hundred twenty (120) days
             prior to the date of such termination.
        d)   Customer may, at its sole and complete discretion, terminate this
             Agreement at any time in the event Customer is acquired by a third
             party organization. In addition, in the event of an acquisition by
             Customer of another entity Customer will not be obligated to
             purchase such entities requirements of Products from Supplier if
             i) such entity is expressly prohibited from purchasing Products
             elsewhere,  ii)  such Products are being purchased under superior
             economic terms.  In the case of a merger of Customer with another
             entity, the surviving entity will not be obligated to purchase the
             requirements of the Products of the entity with which it merged if
             i) such entity is expressly prohibited from purchasing Products
             elsewhere,  ii)  such Products are being purchased under superior
             economic terms. In such an event, Customer shall provide Supplier
             notice of its intention to terminate this Agreement in writing at
             least one-hundred twenty (120) days prior to the date of such
             termination.
        e)   In the event of termination pursuant to Section 4.b, Customer's
             sole responsibility to Supplier shall be to purchase within ninety
             (90) days of termination of this Agreement, any inventory of the
             Products so long as the inventory of Products meets all of the
             following criteria:
             i)   The Products are in compliance with all quality standards;
             ii)  The inventory of Products is not in excess of any quantities
                  approved in writing by Customer to be produced and entered
                  into inventory.
        f)   In the event of termination pursuant to Section 3, 4.a.,, 4.c.,
             4.d. . Customer's sole responsibility to Supplier shall be to
             purchase within ninety (90) days of termination of this Agreement,
             any inventory of the Products so long as the inventory of Products
             meets all of the following criteria:
             i)   The Products are in compliance with all quality standards;
                  The inventory of Products is not in excess of any quantities
                  approved in writing by Customer to be produced and entered
                  into inventory.
        g)   In the event of termination pursuant to Section 3, 4.a., 4.b.,
             4.c., 4.d. . Supplier's responsibilities to Customer shall
             include, but not be limited to, the following:
             i)   Supplier shall continue to provide Services to Customer in a
                  professional and businesslike manner as described herein and
                  in accordance with the Performance Standards contained herein
                  until the termination date.
             ii)  Supplier shall use its best efforts provide to Customer all
                  information and data regarding the provision and management of
                  the Services in a timely manner and in a format and upon such
                  media as requested by Customer.
             iii) Supplier shall use its best efforts to cooperate fully with
                  Customer and any alternative supplier which may be a
                  successor to Supplier in performing the Services for
                  Customer.
             iv)  Supplier shall stop work on the termination date of the
                  Agreement or before, if mutually agreed upon by both Parties.
5.   PRICING
                                        4
<PAGE>

     a)   Except as expressly provided for herein, prices shall remain firm
          throughout the initiall term of this Agreement pursuant to the pricing
          identified in Exhibit B and incorporated herein by reference.
     b)   Notwithstanding the foregoing, if pricing for raw materials for the
          Products of the nature contemplated herein is increased/decreased by
          more than 10% throughout the term of this Agreement, Supplier and
          Customer shall negotiate in good faith an increase/reduction in
          pricing in this Agreement.  Supplier is limited to exercising this
          option to two  (2) times per year after the first 12 (twelve) months
          of the Agreement effective date.  It is agreed that prices will never
          increase in aggregate more than 15% during the initial term of this
          Agreement.  Per Section 15, Customer has the right to perform an audit
          and require sufficient evidence of Supplier's increased cost of raw
          materials.

     c)   Prices for renewal periods shall be as mutually agreed upon by the
          parties which agreement must be reached no less than one hundred
          thirty (130) days prior to the end of the initial term or the current
          renewal period.

     d)   In the event Customer acquires a third party that has an existing
          agreement with Supplier to provide substantially the same Products or
          a portion thereof, the most favorable clauses from Customer's
          perspective in either this Agreement or the acquired entity's
          agreement shall become part of a new Agreement. In no way shall the
          resulting terms and conditions be more onerous to either party than
          the original terms and conditions for the same type, frequency and
          quality of products in either Agreement.
     e)   Supplier shall pay to Customer on a quarterly basis 2.5% of the
          previous quarter's sales.  In the event Customer's purchases during
          the first year of the contract or any subsequent year exceed two
          million five hundred thousand dollars ($2,500,000.00), subsequent to
          paper price increase pursuant to 5b, Supplier shall pay to Customer at
          the end of each contract year or subsequent year, an amount equal to
          0.5% of Customer's purchases for such year which are in excess of two
          million five hundred thousand dollars ($2,500,000.00), pursuant to
          Section 3 renewal prices will increase proportionately due to paper
          price increases negotiated by both parties.  All such payment shall be
          made in the form of a check and received by Customer no later than the
          tenth (10th) business day of each quarter.  Upon the termination of
          this Agreement, any such refund due and owing Customer at the
          termination of this Agreement shall survive the termination of this
          Agreement so long as Customer's total purchases during the term of
          this Agreement were in excess of $2,500,000.00.  Accordingly,
          Supplier's obligation to pay the 2.5% refund shall apply to Products
          purchased pursuant to this Agreement after termination of this
          Agreement so long as Customer's total purchases during the term of
          this Agreement were in excess of $2,500,000.00.
6.   SALES TAX.
Supplier shall collect, report and remit all applicable local, county and state
sales and use taxes assessed on all sales of products made pursuant to this
Agreement.  Customer agrees to reimburse
                                        5

<PAGE>

Supplier for all such taxes, except any taxes based on the income of the
Supplier, so long as such amounts are included in the normal billing process.

7.   INVOICING
          a)   Supplier shall submit charges for all Products plus any allowable
               shipping charges and sales and/or use taxes via Visa-Registered
               Trademark- account numbers provided by Customer to Supplier for
               each company/cost center receiving Products.  Such charges shall
               not be submitted until Product has shipped to Customer.  Supplier
               shall submit such charges to Visa-Registered Trademark- at least
               monthly for all charges for that month. Supplier shall not
               prepare or submit paper invoices to Customer unless otherwise
               agreed upon in writing by Customer.  The service fee and/or
               discount amounts, if any, associated with billing Visa-Registered
               Trademark- accounts are not reimbursable to Supplier by Customer
               but rather have already been acknowledged by Supplier and
               included in the pricing agreed upon in this Agreement.  If
               Customer disputes any charges Supplier has submitted to
               Visa-Registered Trademark-, such issues shall be resolved to the
               mutual agreement of Customer and Supplier and any corrective
               transactions shall occur during the next billing cycle.  In the
               event the Visa-Registered Trademark- system is not available for
               charging and collection of fees, for no fault of Supplier,
               Supplier shall submit standard invoices for the billable
               activities at the same frequency as noted above and Customer
               shall pay such undisputed invoices within thirty (30) days of
               receipt thereof.
          b)   In no event, shall any charges be due and owing by Customer when
               such charges are for Products provided more than ninety (90) days
               prior to the submission of charges to VISA-Registered Trademark-
               or receipt of invoice by Customer.  In the event Supplier
               identifies charges which are for Products provided more than
               ninety (90) days prior to the current date and for which no
               VISA-Registered Trademark- charges were submitted and for which
               no invoice was submitted to Customer, notwithstanding any other
               provisions of this Agreement, Supplier shall waive all such
               charges and Customer shall have no obligation to pay such
               charges.

8.   PERFORMANCE.
If Supplier does not provide the Products on or before the time specified or
within the performance standards stated here in at least  ninety-two (92)
percent of the time for two consecutive months, Customer reserves the right,
subject to paragraph 4.a.i., to terminate the entire Agreement or any part
thereof, and to purchase the Products elsewhere. In such event, Supplier shall
pay to Customer an amount equal to the five percent (5%) of the total charges
for the previous month.  Supplier shall not make any material commitment or
production arrangement in excess of the amounts necessary to meet the
performance schedule for Products covered by this Agreement.  Any excess
commitments or arrangements without Customer approval shall be made at
Supplier's own risk and Customer will not be liable for payment of such
Products.

9.   INSPECTION AND ACCEPTANCE
All Products produced pursuant to this Agreement shall exceed existing and
prospective ANSI/ABA standards for printing of such financial forms, including
but not limited to, MICR documents.  All Products shall be subject to inspection
and acceptance by Customer when
                                        6

<PAGE>

Product is used by Customer. Customer shall have the right to reject and have
defective Products replaced. Such defective Products shall be replaced with
acceptable Products, at Supplier's sole expense within five (5) business days
of notification to Supplier by Customer, however, the quantity of such
replacement Product replaced within the five (5) day period shall not be
greater than Supplier's equipment physical capacities.  Any remaining
replacement Products, if any, shall be produced as quickly as possible by
Supplier.

10. EMPLOYMENT TAXES AND BENEFITS
To the extent required under applicable law, Supplier shall report as income all
compensation received by Supplier pursuant to this Agreement and pay all taxes
due on such compensation.  Supplier shall indemnify and hold harmless Customer
and its employees, officers, directors, representatives and agents, and their
respective heirs, personal representatives, successors and assigns, from any and
all claims, actions, causes of action, demands, liability, losses, costs and
expenses (including court costs and reasonable fees of attorneys and other
professionals) arising from any obligation imposed on Customer to pay any
withholding taxes, social security, unemployment insurance, workers'
compensation insurance, disability insurance or similar items, including
interest and penalties therefrom, in connection with any payments made to
Supplier by Customer pursuant to this Agreement.

11. DATA/INFORMATION OWNERSHIP
All data, information, reports, and records created as a result of the provision
of Products by Supplier under this Agreement shall be deemed property of
Customer including any ideas generated by Customer or Customer and Supplier but
as may be carried out and/or implemented by Supplier during its provision of
Products hereunder so long as such information is unique or proprietary to the
Customer or the Customer's operations.  Ideas generated jointly by Supplier and
Customer which simply relate to efficiencies and cost savings with respect to
the provision of products shall be deemed part of the public domain and Supplier
shall be free to use such information with the understanding that Supplier will
also share with Customer such general information regarding efficiencies and
cost savings that it learns or develops from its relationship with other of
Supplier's customers.  Supplier agrees to, and hereby grants, conveys, and
assigns to Customer, all ownership rights to any such proprietary ideas, data,
information, reports, and records to Customer.  The data, information, reports
and records shall be the sole and exclusive property of Customer and Customer
shall own all rights therein, including without limitation, the copyright
therein, throughout the world. Supplier may not publish or in any way disclose
or use the data collected under this agreement without the prior written
approval of Customer.

12. DATA/INFORMATION EXCHANGE
Throughout the term of this Agreement, any and all hardware and software
applications where the resulting files and information created or stored by such
application is intended to be shared and/or transferred between the Parties will
be in compliance with and/or compatible to Customer's systems, hardware and
software applications.  Such applications include, but are not limited to,
e-mail, word processing, spreadsheet, database and others.

13. REPRESENTATIONS AND WARRANTIES
                                        7

<PAGE>

          a)   The Parties represent to each other that each party has all
               necessary right, title, license and authority to enter into this
               Agreement, and the persons signing this Agreement have full
               authority to bind the respective parties they represent to the
               terms and conditions hereof.  The Parties represent that each:
               i)   is within its authorized powers;
               ii)  has been duly authorized by all necessary board and
                    management action;
               iii) is not currently in violation and will not violate any
                    provision of its articles of incorporation; articles of
                    association or by-laws, or any amendment thereof; and
               iv)  is not currently in violation of and will not take any
                    action or fail to take any action which would constitute or
                    result in a violation or breach under, or conflict with, any
                    local, state, and/or federal statutes or other laws, any
                    orders or rulings of any court or tribunal, or any rules or
                    regulations thereof; and
               v)   is not currently in violation of and will not violate any
                    provision of, nor constitute or result in, a violation or
                    default under, or conflict with, any indenture , contract,
                    agreement, lease, instrument or other undertaking to which
                    it is a party or by which it or any of its properties or
                    assets may be bound or affected.
          b)   Supplier represents that it is not a party to any pending
               litigation the resolution of which is reasonably likely to affect
               adversely the ability of Customer or Supplier to fully perform
               their respective obligations hereunder, nor is any such
               litigation reasonably contemplated.  Supplier agrees to inform
               Customer in the event any such litigation occurs or becomes
               reasonably contemplated during the Term of the Agreement.
          c)   Throughout the term of this Agreement and any applicable statute
               of limitations thereafter, Supplier hereby
               i)   indemnifies and holds harmless Customer from and against all
                    loss or damage arising out of or in connection with the
                    breach of the foregoing representations, and
               ii   agrees on notice from Customer to promptly remedy and cure
                    any such breach at the sole cost and expense of Supplier.
          d)        Supplier warrants that the work performed hereunder does not
               and will not infringe any third party patent, copyright,
               trademark, trade secret or other proprietary right ("Intellectual
               Property"). Supplier agrees to defend, indemnify and hold
               harmless Customer, its officers, directors, employees, agents and
               affiliates from all liabilities, obligations, costs and expenses
               (including reasonable attorneys' fees and costs), claims or
               demands for actual or alleged infringement of any Intellectual
               Property arising from the purchase, use or sale of goods required
               by this Agreement, except to the extent that infringement or
               alleged infringement arises by reason of design for such work
               furnished to Supplier by Customer.
           e)       Supplier agrees to treat Customer as a "Most Favored
               Customer."  Supplier represents that any fees, costs, or expenses
               charged to Customer are, and will continue to be,  equal to, or
               better than, the fees, costs, or expenses
                                        8

<PAGE>

               charged to similar customers for similar Products.  If requested
               by Customer, Supplier shall submit documentation to Customer's
               reasonable satisfaction, of Supplier's compliance hereto.  If
               non-compliance is discovered, a penalty as follows will become
               due and owing to the Customer:
               i.   the amount calculated as the difference between Customer
                    pricing and any reduced pricing, applied retroactively to
                    the date of any lower fees, costs, or expenses,
               ii.  any expenses incurred by Customer in determining compliance
                    hereto, and
               iii. an additional 5% of any difference calculated.
          f)   Supplier shall comply with all Customer's brand identity
               standards as identified in the Graphic Standards Manual provided
               by Customer.  Customer shall be responsible for ensuring that all
               subsequent updates to this manual are distributed to the Supplier
               in a timely manner.

14.YEAR 2000 COMPLIANCE
          a)   Definitions.  As used in this Section, these terms shall
               have the following meaning:
               i)   "Products" means products which Supplier provides to
                    Customer.
               ii)  "Program" means Supplier's program to ensure that the
                    Products and Systems are or become Year 2000 Compliant by
                    assessing and remediating Year 2000 issues associated with
                    the Products and Systems, including functions provided by
                    third parties.
               iii) "Systems" means Supplier's computer systems and
                    equipment and such systems maintained by Supplier's third
                    party service providers which are material to Supplier's
                    performance of this Agreement.
               iv)  "Year 2000 Compliant" means that the Products and
                    Systems:
                    a)   will function accurately, completely, without
                         error, and without interruption before, during, and
                         after January 1, 2000 (including, without limitation,
                         on the "Critical Test Dates" listed in the FFIEC
                         Interagency Statement dated April 10, 1998), without
                         any change in operations associated with the year 2000
                         and any leap years,
                    b)   will process all information before, during and
                         after January 1, 2000, including, but not limited to
                         accepting date input, providing date output, and
                         performing accurate calculations involving dates or
                         portions of dates,
                    c)   will respond to two digit year dates in a way that
                         resolves the ambiguity as to century in a disclosed,
                         defined, and predetermined manner, and
                    d)   will store and provide output of date information
                         in ways that are unambiguous as to century.
          b)   Commitments.  Supplier represents and warrants that the
               Products and Systems are Year 2000 Compliant except where lack of
               compliance will not have a
                                        9

<PAGE>

               material adverse effect on performance of this Agreement.
               Customer may test the Products and Systems using such tests as
               Customer reasonably requires in Customer's sole discretion, and
               if Customer does so Supplier will cooperate with Customer in
               such testing, including in scheduling such tests during periods
               which are convenient for Customer and in making Supplier's
               resources available for such tests.  Upon five (5) days advance
               written notice to Supplier, Supplier shall allow Customer and
               Customer's agents to inspect and conduct an audit of the
               Program.  Any actions or omissions by Customer under this
               Section shall not relieve Supplier of any responsibility or
               liability under this Agreement.  Any breach by Supplier arising
               under this Section is a default under this Agreement and shall
               allow Customer to immediately terminate this Agreement, obtain
               reimbursement for any amounts paid by Customer to Supplier but
               not earned by Supplier's performance, and exercise any other
               remedies permitted by law or this Agreement.
          c).       Reports.  Supplier must immediately notify Customer in
               writing if Supplier becomes aware of facts or circumstances that
               may adversely affect Supplier's obligations under this Section,
               in order that Customer and Supplier may make mutually agreed upon
               contingency plans.  Also, as reasonably requested by the
               Customer, Supplier will promptly deliver to Customer in writing
               information pertaining to this Section, including without
               limitation a complete description of the Program and any changes,
               updates, or amendment thereto, copies of any assessments, audits,
               or public statements concerning the Program, costs data and
               estimates concerning the Program, and Supplier's contingency
               plans in the event the Program fails.
          d)   Supplier agrees to provide adequate and reasonable staffing
               levels on December 31, 1999, January 1, 2000 and January 2, 2000
               and also to have additional staff prepared and on call to work on
               a twenty-four hour basis during those days in the event it
               becomes necessary due to unforeseen and unplanned events
               resulting from the change in year date regardless of whether such
               an event is related to Supplier's Products, Systems or Products
               or Customer's system or products.

15. RIGHT TO AUDIT
Customer will have the right at all times during the term of this Agreement and
for twelve (12) months after termination of the Agreement to audit the books,
records, information, personnel, facilities and operations of Supplier insofar
as may be necessary or desirable, in Customer's judgment, to determine
Supplier's compliance with the terms and conditions of this Agreement and with
any applicable laws and regulations.  Such information shall be accessed without
breaching the confidentiality that Supplier may have with other parties.  In
such an event, Customer will accept redacted information that has been gathered
by a third party auditor. Customer and Customer's independent auditors will have
access, no more than once every six months, unless Customer has reasonable
business purposes for doing so, to Supplier's books, records and operations at
all reasonable times, with at least 24 hours prior notice and Supplier agrees to
cooperate in all respects necessary to enable Customer and its independent
auditors to carry out the intent and purposes of this section. Customer and its
representatives must comply with all reasonable security and confidentiality
procedures established by Supplier at any facility to which access is granted,
and
                                        10

<PAGE>

audits or inspections will not unreasonably interfere with Supplier's normal
business operation.  Supplier agrees to provide Customer, upon written request,
a copy of Supplier's annual audit results of its products.

16. LIMITATION OF LIABILITY.
          a)   Supplier's liability hereunder for any claim of whatever nature
               shall be limited to:
               i)   a maximum of the insurance amounts stated in Section 22 of
                    the Agreement if such claim is covered by insurance;
               ii)  a maximum aggregate limit of two million dollars
                    ($2,000,000.00) if such claim is not covered by insurance
                    and such claim is for or relating to the provision of
                    Products under this Agreement;
               iii) a maximum per occurrence limit of five hundred thousand
                    dollars ($500,000.00) if such claim is not covered by
                    insurance.

17. INDEMNIFICATION BY SUPPLIER.
Notwithstanding any provisions herein to the contrary, but subject to the limits
of liability set forth in Section 16 above, Supplier does hereby agree to
indemnify and hold Customer harmless from all losses, claims of losses, damages,
fines, costs and expenses (including without limitation court costs and
attorneys' fees) ("Losses") incurred by Customer or asserted against Customer by
third parties and directly and proximately caused by the negligent acts or
omissions or misconduct or breach of this Agreement by Supplier, its officers,
agents, employees, or authorized representatives.  Subject to the limitations of
liability set forth in Section 16 above, this indemnification provision
includes, but is not limited to Losses relating to the following matters:
          a)   Any loss relating to or arising out of the installation,
               maintenance, or operation of equipment at Customer's facilities
               by Supplier;
          b)   Any Losses arising out of the hiring, termination, supervision,
               and maintenance of Supplier's employees, including, but not
               limited to, claims that Customer is an employer or co-employer
               of any of Supplier's employees, agents, or authorized
               representatives. Indemnification under this Section 17.b. shall
               be unlimited in dollar amount except to the extent any such
               Losses are caused by the acts or omissions of Customer

18. INDEMNIFICATION BY CUSTOMER
Customer will indemnify Supplier and hold Supplier harmless from any action or
claim and will defend at its expense any action brought against Supplier to the
extent that it is based on a claim that materials provided by Customer to
Supplier infringe a United States patent or copyright or the trade secret or
other proprietary rights of a third party ("Infringement").  Customer will pay
any costs, direct damages, and reasonable attorneys' fees finally awarded
against Supplier in such action which are attributable to such claim, provided
that Supplier notifies Customer promptly in writing of the claim and Customer
may fully participate in the defense and/or agrees to any settlement of such
claim.

19. DEFAULT AND REMEDIES.

                                        11

<PAGE>

Subject to Section 17 above in the event that Supplier or any of its
Representatives breach the covenants contained in this Agreement or in the event
of the occurrence of an event entitling Customer to indemnification, Supplier
recognizes that irreparable injury will result to Customer or third parties and
that Customer's remedy at law for damages will be inadequate. In such event,
Customer shall further be entitled to recover from Supplier:
               a)   actual damages to Customer or its directors, officers,
                    employees or agents;
               b)   any costs, losses or damages associated with any claims by
                    third parties against
                    Customer;
               c)   reasonable attorneys' and other professionals' fees and
                    all other costs and expenses incurred in connection
                    with the enforcement of this Agreement, and any
                    other rights and remedies which Customer may have
                    at law or in equity.

CONFIDENTIALITY
          a)   DEFINITION OF CONFIDENTIAL INFORMATION.  The term "Confidential
               Information" as used in this Agreement, shall include all
               confidential commercial or financial information of Customer or
               its affiliates, now in existence or hereafter created, including
               without limitation, the following:
               i)   All customer related information of the Customer, including,
                    but not limited to, customer account numbers and account
                    balances;
               ii)  All information marked as "confidential" or with similar
                    designation;
               iii) All information protected by rights embodied in copyrights,
                    whether registered or unregistered, patents or pending
                    patent applications, "know how," trade secrets, and any
                    other intellectual property rights of Customer, and
               iv)  All proprietary business, financial or technical information
                    of Customer or its affiliates and any of their respective
                    customers or vendors (including, but not limited to account
                    numbers, general ledger numbers and software licensed from
                    third parties or owned by Customer).
          b)   EXCLUSION TO CONFIDENTIAL INFORMATION.  Notwithstanding the
               foregoing, the term "Confidential Information" shall not include
               any portion of such information which Supplier can establish by
               clear and convincing evidence to have become publicly known
               without breach of an Agreement.
          c)   USE OF CONFIDENTIAL INFORMATION.  Supplier may use the
               Confidential Information only for the purpose of rendering the
               Products to Customer.  Unless otherwise agreed to in writing
               between Customer and Supplier, from and after the date of this
               Agreement, Supplier shall:
               i)   not reproduce, copy, duplicate, divulge or use any
                    Confidential Information, or allow any Confidential
                    Information to be reproduced, copied, duplicated, divulged
                    or used, except as expressly permitted above;
               ii)  require that all persons, employees, agents, partners,
                    consultants, contractors, representatives and any other
                    third parties (collectively, the "Representatives") who are
                    permitted access to any Confidential
                                        12

<PAGE>

                    Information to agree to assume all of the same obligations
                    regarding the protection of the Confidential Information
                    assumed by Supplier under this Agreement; and
               iii) keep all Confidential Information in a physically secure
                    place which will prevent anyone, except the Representatives
                    who are permitted access to the Confidential Information to
                    satisfy the purposes of this Agreement, from using or
                    disclosing any Confidential Information.
          d)   DEFAULT AND REMEDIES.  In the event that Supplier or any of its
               officers, agents, employees, or representatives breaches the
               covenants contained in this section, Supplier recognizes that
               irreparable injury will result to Customer or third parties
               entrusting Confidential Information to Customer, that Customer's
               remedy at law for damages will be inadequate, and that Customer
               will be entitled to an injunction to restraint by continuing
               breach by Supplier and Supplier's Representatives, or any other
               persons or entities acting for or with Supplier.  In such event,
               Customer shall further be entitled to recover from Supplier:
               i)   actual damages to Customer or its directors, officers,
                    employees or agents;
               ii)  any costs, losses or damages associated with any claims by
                    third parties against Customer;
               reasonable attorneys' and other professionals' fees and all other
                    costs and expenses incurred in connection with the
                    enforcement of this Agreement, and any other rights and
                    remedies which Customer may have at law or in equity.

21. DISASTER RECOVERY.
Supplier shall establish, maintain and test from time to time, but not less than
annually, a disaster recovery plan, and if necessary, shall implement the
provisions thereof applicable to any Supplier site at which the Products
contemplated by this Agreement are then being performed. Such plan will include
details pertaining to Supplier's alternative production and/or distribution
facilities in order for Supplier to be operating as near normal as possible but
not less than twenty four (24) hours from the time of the disaster.  Supplier
shall make such disaster recovery plan available to Customer for Customer's
review at any time as requested by Customer.  If, for any reason, the Supplier's
disaster recovery plan is implemented, the implementation of such plan shall be
at no cost or expense to Customer.

22. ACCOUNTING PRINCIPLES.
 Where the character or amount of any item of income, revenue, costs, expenses
or similar monetary calculation is required to be determined or other accounting
computation is required to be made for purposes of this Agreement, this will be
done in accordance with generally accepted accounting principles consistently
applied.  The provision of this section will survive any termination of this
Agreement.

23. INSURANCE.
                                        13

<PAGE>

Supplier agrees to maintain the following indicated types and levels of
insurance during the term of this Agreement with carriers that maintain:
          a)   Workers' compensation and employers liability insurance and to
               the extent required by law covering all persons employed by
               Supplier in performance of Products to be rendered under this
               Agreement;
          b)   Public liability insurance with broad form coverage covering,
               liability for bodily and personal injury, damage to property,
               false arrest, false imprisonment, malicious prosecution,
               defamation, liable, slander, legal liability caused by any act of
               Supplier or its employees or agents, and contractual liability
               coverage.  The amount of this insurance must not be less than the
               amount reasonably prudent and necessary to carry out Supplier's
               obligations under this Agreement but in no event less than $1
               million per occurrence plus an $2 million umbrella policy for a
               total aggregate limit of not less than $3 million.
          c)   After execution of this Agreement and before beginning work under
               this Agreement, Supplier will deliver to Customer and attach to
               this Agreement as Exhibit C a Certificate of Insurance showing
               the coverage specified above, which names Customer as an
               additional insured, and which provides a thirty (30) day notice
               period for cancellation or reduction in coverage or limits.
          d)   Fidelity bonding of at least $1,000,000 aggregate for claims
               arising from fraudulent or dishonest acts, thefts or other acts,
               covered by its Fidelity Bond, on the part of Supplier or its
               officers, agents, employees, or representatives.
          e)   Errors and Omissions insurance of at least $2,000,000 per
               occurrence.
          c) Supplier  will immediately notify Customer in the event any
               insurance required under this section is not in force at any
               time during the term of this Agreement.  Supplier will not take
               any action that would invalidate or reduce coverage and will
               take all action necessary to prevent coverage from being
               invalidated or reduced.

24. FORCE MAJEURE.
Neither party shall be liable for performing service where cause for such
failure to perform service is directly or indirectly beyond the control of such
party.  Any delay hereunder will be excused to the extent approved in writing by
the other party.  Neither party will be considered to have breached its
obligations under this Agreement as a consequence of delays or failures in
performance resulting from occurrences beyond the parties control, provided the
party has taken reasonable measures to prevent loss from any such reasonably
foreseeable occurrence.  Such occurrence will include, without limitation; acts
of God; riots; acts of war; epidemics; governmental regulations imposed after
the fact; earthquakes or other disasters; provided that written notice thereof
must be given by such party to the other party within three (3) days of the
occurrence of such cause or event, and best efforts are made to restore
performance to its obligations under this Agreement or delay will be considered
a breach of the Agreement.  In the event the Force Majeure event causes a delay
that lasts more than five (5) business  days, Customer has the right to
terminate this Agreement without further obligation, financial or otherwise,
except for non-financial obligations which expressly survive the termination of
this Agreement.  In addition, Supplier shall return any monies paid by Customer
for products or services not delivered.
25. WAIVER.
                                        14

<PAGE>

Failure of either party to complain of any act or omission of the other party,
no matter how long the same may continue, shall not be deemed to be a waiver by
such party of any of its rights hereunder.  No waiver by any party at any time
of any other provision of this Agreement shall be deemed a waiver or breach of
any other provision of this Agreement or consent to any subsequent breach of the
same of any other provision hereunder.  If any act or omission by any party
shall require the consent or approval of another party, such consent or approval
of such act or omission on any one occasion shall not be deemed a consent to or
approval of said act or omission on any subsequent occasion or consent to or
approval of any other act or omission on the same or any subsequent occasion.
Waiver of any rights or remedies must be in a signed writing by the waiving
party.

26. SEVERABILITY.
If any provision of this Agreement is held to be illegal, invalid or
unenforceable under present or future laws effective during the term hereof,
such provision shall be fully severable; this Agreement shall be construed and
enforced as if such illegal, invalid or unenforceable provision had never
comprised a part hereof; and the remaining provisions of this Agreement shall
remain in full force and effect and shall not be affected by the illegal,
invalid or unenforceable provision or by its severance from this Agreement.
Furthermore, in lieu of each such illegal, invalid or unenforceable provision,
there shall be added automatically as a part of this Agreement a provision as
similar in terms to such illegal, invalid or unenforceable provision as may be
possible and be legal, valid and enforceable.

27. GOVERNING LAW.
 This Agreement will be construed and enforced in accordance with and governed
by the substantive laws of the state of Minnesota; provided, that laws regarding
conflicts of laws will not defeat application of the substantive laws of the
state of Minnesota.  The provisions of this section will survive any termination
of this Agreement.

28. JURISDICTION.
Supplier hereby irrevocably submits to the nonexclusive jurisdiction of any
court of the State of Minnesota or the United States of America sitting in
Minneapolis, Minnesota, in any action or proceeding arising out of or relating
to this Agreement, and the Supplier hereby irrevocably agrees that all claims in
respect of such action or proceeding may be heard and determined in any such
court.  Supplier hereby irrevocably waives, to the fullest extent it may
effectively do so, the defense of an inconvenient forum to the maintenance of
such action or proceeding.

29. ASSIGNMENT.
  Neither party may assign this Agreement without the prior written consent of
the other, and any non-approved attempted assignment shall be null and void,
except that Customer may assign this Agreement without such approval to any
parent, subsidiary or affiliate. This Agreement shall be binding upon, and inure
to benefit of, the successors and permitted assigns of the parties hereto.
30.USE OF NAME.
                                        15

<PAGE>

Except as otherwise required by law, Supplier agrees not to refer to Customer
directly or indirectly in any promotion or advertisement, any metatag, any news
release or release to any general or trade publication or any other media,
without the prior written consent of Customer, which consent may be withheld at
Customer's sole and complete discretion.

31. RELATIONSHIP OF THE PARTIES.
No joint venture, partnership, agency, employment relationship or other joint
enterprise is contemplated by this Agreement.  No employee or representative of
Supplier shall be considered an employee of Customer.  Supplier shall take all
actions and do all things which are necessary ensure that it has complied with
all laws respecting its position as provider of the Products pursuant to this
Agreement.  In making and performing this Agreement, the Parties shall act at
all times as independent contractors, and at no time shall either party make any
commitments or incur any charges or expenses for or in the name of the other
party.

32. NOTICES.
Any notice permitted or required by this Agreement must be in writing and shall
be deemed given when sent by registered or certified mail, return receipt
requested, or overnight delivery and addressed as follows:

<TABLE>
          <S>                      <C>
          If to Supplier:          (insert information)

          If to Customer:          U.S. Bancorp-Registered Trademark-

          MNRB0175/Contract Services
                                   2751 Shepard Road
                                   St. Paul, MN  55116
</TABLE>

33. COUNTERPARTS.
This Agreement may be executed simultaneously in multiple counterparts, each of
which shall be deemed an original, but all of which taken together shall
constitute one and the same instrument.

34. HEADINGS.
The paragraph headings contained in this Agreement are for convenient reference
only, and shall not in any way affect the meaning or interpretation of this
Agreement.

35. ENTIRE AGREEMENT.
This Agreement contains the entire understanding of the Parties with respect to
the subject matter hereof and supersedes all prior agreements relating thereto,
written or oral, between the Parties.  Amendments to this Agreement must be in
writing, signed by the duly authorized agents of the Parties.

IN WITNESS WHEREOF, the Parties hereto have executed this Agreement the date
first above written.
                                        16

<PAGE>

<TABLE>
<CAPTION>
 U.S. Bancorp-Registered Trademark-    (INSERT INFORMATION)
 <S>                                   <C>
 __________________________________    _____________________________
 Signature                             Signature

 __________________________________    _____________________________
 By:  Name                             By:  Name

 __________________________________    _____________________________
 Its:  Title                           Its:  Title

 __________________________________    _____________________________
 Date                                  Date
</TABLE>

                                        17

<PAGE>

                                     EXHIBIT A
STATEMENT OF WORK

     SUPPLIER AGREES TO PROVIDE PRODUCTS TO CUSTOMER IN ACCORDANCE WITH THE
     PERFORMANCE STANDARDS DESCRIBED IN THE STATEMENT OF WORK ATTACHED HERETO
     AND MADE PART OF THE AGREEMENT AND INCORPORATED HEREIN AS EXHIBIT A.

Services to be provided:

CHANGES TO THE STATEMENT OF WORK
-    The Statement of Work may not be changed or amended except by an agreement
     in writing signed by the parties hereto.

BUSINESS CONTINUATION AND RECOVERY
-    Supplier will maintain a viable Business Continuation Plan throughout the
     term of this agreement in conjunction with Customer's corporate Business
     Continuation Plan, which will contain planning for uninterrupted service
     during work stoppages longer than six (6) hours, of Supplier's provision of
     Services to Customer.
-    Supplier will maintain a viable Business Recovery Plan throughout term of
     this agreement in conjunction with Customer's corporate Business Recovery
     Plan, which will provide for business resumption and continuation of
     service within twenty-four (24) hours of such occurrence.

IMPLEMENTATION
-    Supplier shall, timely complete all tasks, included but not limited to, the
     Implementation plan set forth in Attachment A.
-    In the event such task will not be completed on the date noted in the
     Implementation plan, Supplier shall notify Customer on such date, in
     writing and Customer, in it's sole discretion, shall advise if the delay is
     acceptable or unacceptable to Customer.
-    In the event that such delay is acceptable to Customer, in writing,
     Supplier and Customer shall mutually agree to a new date, for the task to
     be completed.
-    In the event that such delay is unacceptable, Supplier shall be responsible
     for all additional costs associated with, Customer having the Products
     provided by alternative sources plus such costs incorporated as a result of
     such provision of alternative sources.

PACKAGING OF PRODUCTS
Suppliers responsibility shall be, including but not limited to:
     -    Provide packaging to facilitate the handling of product from one point
          to another.  Sufficient packaging methodology used must be compatible
          with the physical facilities of the receiving location to ensure
          receipt of product in an unaltered condition.
     -    Batch, Block and Tracer tickets packaged in cartons that will prevent
          curl to the product.  Customer, in it's sole discretion, may required
          these product to be shrink wrapped, if requested by Customer.

                                        18

<PAGE>

     -    Package Products using pallets that comply with recommended guidelines
          for standard pallet size of 40" x 48" with no overhang.  The maximum
          height is 48".  Plastic shrink-wrap must be used for protection and to
          fasten the load to the pallet.
     -    Package Official Receipts such that inner cartons contain 2500
          receipts and a total of 20,000 Official Receipts will be in a carton.
     -    When shipping negotiable documents, ensure product name is not
          identified on the outside of the carton, when packaging product.
     -    Delivery of Products that are sequentially numbered must be packaged
          in a manner that will keep items in the sequential order during
          shipping.
     -    Establish parameters, upon mutual agreement, for packaging
          requirements on all Products and have procedures within 60 days after
          execution of the agreement.

ORDERING PROCESS
-    Supplier shall accept orders on Customer's purchase requisition form unless
     both Supplier and Customer mutually agree upon an alternative process for
     efficient ordering.
-    Supplier shall provide toll free fax number, at no charge to the Customer,
     for requisitions.

PRODUCTION
-    Supplier and Customer shall establish approved quantities for printing
     Products that are cost effective for Customer, within 30 days after
     execution of the agreement.
-    Supplier shall not print quantities outside established parameter without
     written approval from Customer.  If approval for Product outside parameters
     is not received in writing, cost of Product will be refunded to Customer.

RELEASE QUANTITIES
-    Supplier and Customer shall establish quantities for release of Products
     from warehouse, within 30 days after execution of the agreement.  These
     parameters will vary according to product and will be released in
     quantities that are cost effective for Customer.
-    Any Product released outside the set parameters must receive approval from
     Customer.  If Supplier has released Product that is not in compliance with
     such parameters, the cost of Product will be refunded to Customer and
     unused product returned to Supplier..

WAREHOUSED PRODUCTS
Suppliers responsibility shall be, including but not limited to:
     -    Supplier will warehouse certain products per Customer's request.
          These products will be billed upon release.  Such Products will not
          exceed a three-month usage level.
     -    Supplier will notify Customer when an individual Product on-hand
          inventory level reaches a 6-week supply based on usage levels during
          the most previous six month period.
     -    Re-order notice will include a summary of the most recent 12-month
          usage history of Product.
     -    No Product will be replenished without prior written approval by
          Customer designated personnel

                                        19

<PAGE>

     -    All negotiable instruments will be stored in a secure, locked area
          with limited access by mutually approved personnel.
     -    Provide Customer access upon demand for unannounced random audits of
          warehousing locations.
     -    Provide quarterly, audit of all Products held in warehouse.
          Adjustments to inventory levels shall be reported to Customer within
          forty-eight (48) hours of such audit.  Accuracy level must be
          maintained at 90%.
     -    All warehouse locations shall be secured; climate controlled, and
          reasonable and prudent measures are taken to ensure risk against
          rodent, fire and water damage.
     -    Supplier shall assume ownership of all Products until such Products
          are released from Supplier inventory and shipped to Customer.
NON-STOCK PRODUCTS
-    Any item not included on the product list in Exhibit B, must be approved in
     writing by Customer's Designated Personnel, for pricing and product
     requirements prior to manufacturing.  Product sold without such prior
     written Customer approval will be fully refunded to Customer.

Production Time
Suppliers responsibility shall be, including but not limited to:
     -    Release and shipment of Product from Warehouse for shipment within 24
          hours from receipt of requisition.
     -    Print on Demand Production ("PODP") will within ten (10) business days
          of receipt of requisition, except for PODP orders for bank conversion
          purposes only which shall be shipped before a deadline specified by
          Customer.
     -    Exact reprints on warehoused Product not to exceed 45 business days
          upon written approval by Customer.
     Any order that requires fulfillment outside the above mentioned time frames
     (Standard Order) will be considered a Rush Order and will be accepted on an
     individualized priority basis at no additional cost to the Customer so long
     as the quantity of Rush Orders does not exceed four percent (4%) of the
     total number of orders per month.  If Customer's Rush Orders exceed four
     percent (4%) of Customer's total orders for the month, Customer's price for
     any such Rush Orders shall incur a Rush Order penalty fee of thirty percent
     (30%) of the order total.  Any such Rush Order penalty fees shall be
     deducted from Customer's quarterly rebate, as defined in Section 5.e.

NEGOTIABLE DOCUMENTS
-    Supplier shall hold all negotiable instruments in a secured location in
     Supplier's warehouse with limited access to only mutually approved
     personnel.
-    Supplier will shred all, including but not limited to, negatives, film,
     direct to plate material used for manufacturing Products.

CUSTOMER SERVICE
-    Supplier shall provide a toll free customer service number that will be
     staffed Monday through Friday between the hours of 8:00 AM CST and 7:00 PM
     CST.

                                        20

<PAGE>

-    Supplier will provide at a minimum three (3) full-time, dedicated Customer
     Service Representatives.  The Customer Service Representative's
     responsibilities include, but are not limited to, providing the following
     services:
          -    Pricing and product information to requesters
          -    Order status upon request
          -    Response to Customer's inquires within twenty four (24) hours of
               receipt.
          -    Problem solving and documentation; reporting all account issues
               to  Supplier Account Manager
-    Supplier will provide a dedicated Account Manager based in Minnesota with
     assigned back up for Customer.  The Account Manager's responsibilities
     include, but are not limited to, the following:
          -    Primary contact with Customer Designated Personnel.
          -    Primary contact for implementing new forms.
          -    Managing Product release during Customer's acquisitions and
               conversions
          -    Escalation contact for issue resolution by Customer designated
               personnel.
          -    Scheduling monthly and quarterly account performance reviews.
          -    Propose cost savings initiatives pursuant to customer's Products
               and implement such initiatives upon the written approval of
               Customer.

PRODUCT SHIPMENT
Customer's Product will be shipped using the most economical and efficient
method with sufficient tracking capabilities.   In no event shall the cost to
Customer exceed the current Zone 2 rate as defined by United Parcel Service
(UPS).  Zone 2 rate will be  based on location of production plant  Supplier
shall absorb all costs incurred above the Zone 2 rate.

QUALITY PERFORMANCE
Suppliers responsibility shall be, including but not limited to:
     -    Supplier shall perform, without error, encoding of customer data  on
          Product as received by Customer
     -    Monthly review and report of performance standards for Products
          purchased during the previous month, including but not limited to:
          -    On time delivery status
          -    Percent of orders on back order status
          -    Number of orders returned for quality issues - brief explanation
               of returned item.
          -    Accuracy of Orders
          -    Accuracy of Documents
          -    Number of Rush Orders
     -    MICR Readability Rates:  MICR documents shall have a readability rate
          of no less than 98.5% during each monthly period.  If MICR readability
          rate is less than 98.5% for two (2) consecutive months, Supplier shall
          rebate to Customer an amount equal to 5% of all MICR purchased made by
          Customer pursuant to this Agreement during such monthly period.  A

                                        21

<PAGE>

          rebate check shall be issued to Customer within 5 business days of
          receipt of 3rd party analysis.
     -    In order to obtain MICR readability rate information, Supplier shall
          provide, to an unrelated third party, one sample document for each
          MICR order produced.  Samples will be tested by the third party on a
          weekly basis.  If MICR is found defective, that order shall be
          replaced within forty eight hours of discovery and shipped overnight
          at no expense to the Customer.  Test results must be provided to
          Customer on monthly basis for the previous months work.

SAMPLE TEST DOCUMENTS
Supplier's responsibilities include, but are not limited to:
-    Provision of MICR test documents, of no less than 10 samples per document
     type, to Customer's Document Quality Department for each new branch and
     with each Customer's acquisition, at no charge to the customer.  Test
     documents will be based on Products requisitioned.  Test Documents will be
     shipped within timeframes requested.
-    If MICR read rate falls below 98.5%, one sample test document for each MICR
     production order for 30 prospective days will be provided, at no charge to
     Customer.
     Customer has the option of requesting MICR test samples for one (1) week's
     worth of production no more than four (4) times a year.  One MICR document
     will be provided to customer for each MICR order filled, at no charge to
     the customer.

PROCESS IMPROVEMENT
-    Supplier shall provide ongoing information to Customer, in a timely manner
     on cost savings opportunities, quality and process improvement, and service
     enhancements.
-    Supplier shall provide ongoing information to Customer for technology
     enhancements and improvements in manufacturing MICR Documents.  Such
     opportunities will be analyzed and presented to the Customer designated
     personnel for decisions on implementation.
-    Supplier shall develop and, upon Customer's approval, implement program(s)
     for controlling costs and educating Customer employees and representatives
     of the Financial Forms Program.

SUPPLIER'S TRAINING
-    Supplier shall provide at a minimum, annual education to Customer personnel
     through various formats, including fliers, open houses, service guides, and
     presentations, on all Financial Forms related topics.  All materials must
     be approved by Customer.

REPORTS
     SUPPLIER'S RESPONSIBILITY SHALL BE TO PROVIDE:
-    No later than the  fifth working day of each month the following reports:
-    TOTAL DOLLARS SPENT FOR THE PREVIOUS CALENDAR MONTH WITH BREAKDOWN OF
     FREIGHT CHARGES AND SALES TAX.
-    Inventory Report on Warehoused Product including but not limited to:
               -    Last Months Usage
               -    Six month average usage of each Product

                                        22

<PAGE>

               -    Twelve month total usage of each Product
               -    On Hand Quantity of each Product
               -    Sell Price of each Product
               -    Inventory Value of each Product
-    Must have the capability of issuing monthly usage reports for requesting
     company/cost centers.
-    Total dollars of approved cost savings
-    Customer Service response time, including but not limited to, number or
     calls received, average hold time statistics on a monthly basis.

                                        23

<PAGE>

EXHIBIT B

                                      PRICE GRID

                                      EXHIBIT C
INSURANCE CERTIFICATES

                     [To be incorporated upon Supplier selection]

                                        24

<PAGE>

                                      EXHIBIT D
CUSTOMER'S REQUEST FOR PROPOSAL

                     [To be incorporated upon Supplier selection]

                                        25

<PAGE>

                                     EXHIBIT D

SUPPLIER PROPOSAL TO CUSTOMER'S REQUEST FOR PROPOSAL

                     [To be incorporated upon Supplier selection]

                                        26

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