Document:

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                                                                    EXHIBIT 10.9

          Confidential Materials omitted and filed separately with
      the Securities and Exchange Commission. Asterisks denote omissions.

                           SOFTWARE LICENSE AGREEMENT

This Software License Agreement (the "Agreement") is entered into as of
September 1, 2003 (the "Effective Date") by and between BISYS, Inc. ("BISYS"), a
Delaware corporation with its principal place of business at 90 Park Avenue, New
York, New York 10016 and Open Solutions Inc. ("OSI"), a Delaware corporation
with its principal place of business at 300 Winding Brook Drive, Glastonbury, CT
06033 (each a "Party", and collectively the "Parties").

                                    Recitals

A.   BISYS, through its Banking Division, is a leading provider of comprehensive
     data processing outsourcing solutions to financial institutions;

B.   OSI is the developer and owner of The Complete Banking Solution(R) and The
     Complete Commercial Banking Solution(TM) software system and is a leading
     supplier of client/server software and information services to financial
     institutions;

C.   OSI and BISYS are parties to that certain Software License and Marketing
     and Distribution Agreement dated August 20, 1997, as amended (the "Original
     Agreement"), and wish to amend, restate, replace and supersede the Original
     Agreement in its entirety by replacing it with this Agreement;

D.   Sound Software Development, Inc. ("Sound"), a wholly-owned subsidiary of
     OSI, and BISYS are parties to that certain Referral Agreement dated
     December 19, 2001 (the "Sound Agreement"), and Sound and BISYS wish to have
     this Agreement amend, restate, replace and supersede the Sound Agreement as
     of the Effective Date of this Agreement; and

E.   The Parties have agreed that BISYS may provide data processing outsourcing
     services to certain financial institutions utilizing OSI's software as
     provided in this Agreement.

Now, therefore, in consideration of the mutual obligations set forth herein, the
Parties agree as follows:

1.       Definitions.

1.1      Ancillary Product(s) - shall mean the machine-readable, compiled object
code format of certain software products and processing services offered by OSI,
other than the Licensed Software, as listed Schedule 1.1, which BISYS shall
offer to its Customers and TotalPlus Customers as its exclusive offering for
such products.

1.2      Annual Measuring Period - shall mean a fiscal year of this Agreement,
commencing October 1 of each year and consisting of four consecutive calendar
quarters.

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1.3      Change of Control - shall mean with respect to a particular Party (i)
the consummation of a merger or consolidation of that Party with another entity,
in one or more related transactions such that the owners of interests (shares or
otherwise) of the Party immediately prior to such transaction do not own at
least 50% of the ownership interests of the surviving entity immediately
following the consummation of the transaction(s); (ii) the sale of all, or
substantially all, of the assets of the Party; or (iii) the acquisition by any
person (including a group within the meaning of Section 13(d) or 14(d) of the
Securities Exchange Act of 1934, as amended) of the actual or beneficial
ownership of 50% or more of the outstanding ownership interests of the Party.
For the purposes of this Agreement a sale of shares of OSI as part of an
offering to the general public, whether in an initial public offering, or in any
subsequent supplemental, secondary or other public offering, shall not be deemed
to constitute or result in a "change in control" for purposes of this Agreement
even if it results in a change of actual or beneficial ownership otherwise
meeting the requirements set forth in this paragraph.

1.4      Conversion - shall mean the process of converting a new Customer's data
to the System, and otherwise implementing the System for use by a Customer or,
in the case of an Ancillary Product, the process of implementing the Ancillary
Product for use by a Customer or TotalPlus Customer.

1.5      Conversion Date - shall mean, in the case of the System, unless
otherwise agreed by the Parties in an individual case, the earlier of: (a) the
date on which Live Production (as defined below) begins, or (b) one hundred
eighty (180) days from the date of the agreement between BISYS and the Customer
relating to use of the System. "Live production" shall mean the time when
Customer uses the System or portions thereof to execute transactions, produce
reports or retrieve information from the Licensed Software on a regular basis
other than exclusively for test purposes. In the case of Ancillary Products,
unless otherwise agreed by the Parties in an individual case, the Conversion
Date shall mean the earlier of (a) the date on which the Ancillary Product is
delivered or made accessible to the Customer for use, or (b) one hundred eighty
(180) days from the date of the agreement between BISYS and a Customer relating
to use of the applicable Ancillary Product.

1.6      Customer - shall mean a Financial Institution for which BISYS
contractually provides Outsourcing Services using the System.

1.7      Documentation - shall mean all user manuals, system guides, and
specifications for the System. OSI will from time to time provide BISYS with
written copies of the results of the most recent benchmarking activities, if
any, within thirty (30) days of receipt of any report relating to such
activities.

1.8      Financial Institution - shall mean (i) all classes of United States
federal or state chartered banks only, including commercial banks, savings
banks, mutual savings banks, thrift institutions, savings and loan associations,
and branches thereof, and (ii) non-bank entities which sell financial products,
including, without limitation, insurance companies and investment firms. No
other entity or type of financial institution, such as but not limited to credit
unions, is included within this definition of Financial Institution.

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1.9      Initial Period -- shall mean the period commencing with the Effective
Date and ending September 30, 2003.

1.10     License Fees - shall mean the Customer License Fees, Higher Level
License Fees and Ancillary Products Fees payable by BISYS to OSI pursuant to
Section 8(c).

1.11     Licensed Software - means the machine-readable, compiled object code
format of OSI's The Complete Banking Solution(R) and The Complete Commercial
Banking Solution (TM) (when it becomes generally available to OSI's customers)
together with all modifications and updates to such software products (including
a software product which is a combination of the features and functions of The
Complete Banking Solution(R) and The Complete Commercial Banking Solution(R)
products), which OSI's makes generally available to Financial Institutions from
time to time during the Term or Renewal Term of this Agreement and initially
identified on Schedule 1.11 hereto.

1.12     List Price - shall mean the list price of the Licensed Software
(including interfaces), the Ancillary Products, and any Third Party Software
based on the price lists shown on the attached Schedule 1.1 (for Ancillary
Software) and Schedule 1.12 (for Licensed Software and Third Party Software) as
may be modified by OSI from time to time as provided in Section 8(a).

1.13     Master Copy - shall mean a current copy of the machine readable,
compiled object code form of the Licensed Software and Ancillary Products.

1.14     OSI Source Code - shall mean the source code form of the software
products included in the Licensed Software and Ancillary Products, which are
owned or developed by OSI.

1.15     Outsourcing Services - shall mean data processing and other information
processing services for a Financial Institution provided remotely by BISYS using
the System at BISYS' data center facilities.

1.16     System - shall mean the Licensed Software in a Microsoft Windows
NT/2000/Unix operating system environment (and any other mutually agreed upon
operating systems) including any Third Party Software, as it may exist from time
to time during the term of this Agreement.

1.17     Territory - shall mean those states in the United States more fully set
forth in Schedule 1.17.

1.18     TotalPlus Customer(s) - shall mean a Financial Institution customer(s)
of BISYS's TotalPlus system, or any other software products containing similar
core data processing functionality for Financial Institutions, provided on an
outsourcing basis by BISYS in the Territory.

1.19     Third Party Software - shall mean the software, in machine-readable,
compiled object code format only, owned by third parties, sublicensed by OSI to
BISYS that is interfaced into the Licensed Software.

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2.       Grant and Acceptance of Software and Trademark License.

(a)      License to System. Subject to the terms and conditions of this
Agreement, OSI hereby grants to BISYS and BISYS hereby accepts from OSI a
non-exclusive, non-transferable license and concurrent right to market and
sublicense the System to provide Outsourcing Services to Financial Institutions
in the Territory unmodified from the version(s) provided by OSI from time to
time, in object code form only. BISYS is prohibited from sub-licensing any of
its rights or delegating any of its duties under this Agreement.

(b)      License to Ancillary Products. Subject to the terms and conditions of
this Agreement, OSI hereby grants to BISYS and BISYS hereby accepts from OSI a
non-exclusive, non-transferable license and concurrent right to market,
sublicense and provide the Ancillary Products to Customers and TotalPlus
Customers located in the Territory by either (i) providing Outsourcing Services
using unmodified version(s) of the Ancillary Products provided by OSI from time
to time, in object code form only, (ii) distributing the Ancillary Products in
unmodified object code form only pursuant to written license agreements with
Customers and TotalPlus Customers, or (iii) for Ancillary Products which are
services, making such services available to Customers and TotalPlus Customers in
unaltered form. Except for Ancillary Products sublicensed by BISYS to its
Customers and TotalPlus Customers as permitted in this Section 2(b), BISYS is
prohibited from sublicensing any of its rights or delegating any of its duties
under this Agreement.

(c)      License to Trademarks. Subject to the terms and conditions of this
Agreement, OSI hereby grants to BISYS and BISYS hereby accepts from OSI a
non-exclusive and non-transferable right to use the OSI trade names "OSI", "Open
Solutions Inc.", and "The Complete Banking Solution(R)", and The Complete
Commercial Banking Solution(TM) trademarks (the "Marks") during the term of this
Agreement for the sole purpose of the promotion and marketing Outsourcing
Services using the System in the Territory. BISYS shall use and reproduce the
Marks and proprietary rights notices on the products and services provided by
BISYS to the Customer that contain any OSI trade secrets, the Marks or
copyrights in accordance with OSI's specifications and shall inure to the
benefit of OSI. Any and all OSI trademarks and trade names, which BISYS uses in
connection with the rights granted hereunder, are and remain the exclusive
property of OSI. Nothing herein shall prohibit or otherwise limit BISYS from
promoting and marketing the System as a product offered by its Banking Division.
BISYS agrees to submit materials containing OSI's Marks to OSI for inspection by
OSI prior to use or distribution of such materials, and OSI shall have the right
to modify such materials. Notwithstanding anything to the contrary in this
Agreement, BISYS shall give attribution to OSI for BISYS' use of the Licensed
Software, the Ancillary Products, the Marks and/or OSI's proprietary rights in
any permitted marketing materials, press releases, or other communication
(whether printed or otherwise) involving or relating to the Licensed Software,
the Ancillary Products, the Marks and/or OSI's proprietary rights.

(d)      Nothing herein shall prevent OSI from appointing other distributors,
resellers or remarketers of the Licensed Software, the System or the Ancillary
Products; provided, however, that OSI represents that, as of the Effective Date,
it does not have a distributor, reseller or remarketer arrangement for the
Licensed Software (only) in the Territory with any of the

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following companies or their affiliates, and agrees not to appoint any of the
following companies, or their affiliates, as a distributor, reseller or
remarketer of the Licensed Software (only) in the Territory during the first
eighteen (18) months of this Agreement:

                  FISERV
                  AURUM
                  JACK HENRY
                  INTRIEVE
                  FSI
                  METAVANTE

3.       Delivery of Master Copy.

OSI shall deliver to BISYS within sixty (60) days of a software release to OSI's
customers generally, a new Master Copy of the Licensed Software and Ancillary
Products software, so that BISYS has available to it the most current version.
The delivery of Master Copies after the cancellation, completion, expiration or
termination of this Agreement shall continue as part of post-termination
maintenance support services to the extent provided in Section 9(d). As part of
the License granted hereunder, BISYS shall have the right to copy such Master
Copy(ies) and Documentation for use in connection with its Outsourcing Services
to Customers and, as to Ancillary Products, to TotalPlus Customers, and for
archival, testing, support backup, disaster recovery, and demonstration.

4.       Sales by BISYS.

(a)      Marketing and Sales Efforts. During the Term and any Renewal Term,
BISYS shall use commercially reasonable efforts to market, promote and sell
Outsourcing Services using the System and Ancillary Products to Financial
Institutions located in the Territory, including using commercially reasonable
efforts to convert each of its TotalPlus Customers to Outsourcing Services using
the System at the renewal of the TotalPlus Customer's agreement, except when
BISYS has a good-faith belief after due inquiry that a TotalPlus Customer is not
a reasonable prospective customer for such conversion.

(b)      Minimum Sales and License Fees. Consistent with, but in addition to,
the foregoing "commercially reasonable efforts" marketing and selling
requirement, in order to maintain the benefit of the limited non-compete
provisions of Section 4(c), BISYS shall be required to meet the following
minimum sales requirements ("Minimum Sales Requirements"):

         (i)    subject to the phase-in features set forth in Schedule 4, for
                each Annual Measuring Period, BISYS shall meet the Minimum Sales
                Requirements by region (which requirements are set forth in
                Schedule 4) for:

                (A)    the number of Customer Agreements (as defined in Section
                       8(c)(i)(1)) with a first effective date during the
                       applicable Annual Measuring Period with a new Customer of
                       such Outsourcing Services, and

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                (B)    the volume of License Fees (excluding Higher Level
                       License Fees) which first become payable to OSI pursuant
                       to Section 8(c) during the Annual Measuring Period with
                       respect to (1) Customer Agreements with a new Customer
                       and with a first effective date after the Effective Date,
                       and (2) (for twenty-four (24) months from the Effective
                       Date) licensing/sales of Ancillary Products to Customers
                       and TotalPlus Customers made after the Effective Date,
                       and

         (ii)   commencing with the twenty-fifth month from the Effective Date
                and for each Annual Measuring Period thereafter, BISYS shall
                meet the minimum volume requirements for License Fees (excluding
                Higher Level License Fees) which first become payable to OSI
                during the Annual Measuring Period with respect to sales of
                Ancillary Products to Customers and TotalPlus Customers made
                after the Effective Date (which requirements are set forth in
                Schedule 4.)

In calculating compliance with this Section 4(b), only License Fees (excluding
Higher Level License Fees) which become payable to OSI for actual sales are
counted. Accordingly, minimum License Fee payments made pursuant to Section 8(b)
are excluded from such calculation to the extent not based on actual sales.

Schedule 4 sets forth the Minimum Sales Requirements by region for each Annual
Measuring Period. If BISYS fails to meet all of the Minimum Sales Requirements
(including all unit sales and License Fee requirements) for a region for an
Annual Measuring Period (other than the first and second Annual Measuring Period
of both the Term and the Renewal Term (if the Agreement is renewed), which shall
be measured in the aggregate for such two (2) year period), each party shall
have the right to terminate for such region the limited non-compete obligations
of OSI described in Section 4(c), which will also automatically terminate the
Minimum Fee Payment obligation for such region pursuant to Section 8(b), and all
of the Most Favored Customer obligations of OSI described in Section 4(d).
Accordingly, Minimum Fee Payments pursuant to Section 8(b) shall continue for at
least the first two Annual Measuring Periods of the Term and, if the Agreement
is renewed and the limited non-compete has not be terminated prior to the
beginning of the Renewal Term, for at least the first two Annual Measuring
Periods of the Renewal Term. Such termination rights are subject to the
following:

         1.       Written notice of the termination must be given by the
                  terminating Party to the other Party within the following
                  number of days after the end of the Annual Measuring Period
                  just ended: ten (10) days if BISYS is electing to terminate,
                  and fifteen (15) days if OSI is electing to terminate.

         2.       If either party elects to terminate, the limited non-compete
                  obligations for the region and all of the Most Favored
                  Customer obligations will terminate effective as of the end of
                  the Annual Measuring Period in question just ended.

         3.       If OSI elects to terminate, BISYS's Minimum Fee Payment
                  obligations under Section 8(b) will terminated for the region
                  effective as of the end of the Annual Measuring Period just
                  ended, subject only to completion of the final reconciliation
                  of such Annual Measuring Period and the payment of all sums
                  due with respect thereto as provided in section 8(b)(iii).

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         4.       If BISYS elects to terminate, BISYS's Minimum Fee Payment
                  obligations under Section 8(b) shall continue for the region
                  for a period past the end of the Annual Measuring Period just
                  ended, which period shall be the first nine (9) months of the
                  next Annual Measuring Period if the termination is elected at
                  the end of the second Annual Measuring Period of the Term or
                  of the Renewal Term (if the Agreement is renewed), and the
                  first six (6) months of the next Annual Measuring Period if
                  the termination is elected at the end of any other Annual
                  Measuring Period during the Term or Renewal Term.
                  Notwithstanding the foregoing, BIYSY may elect to terminate
                  the limited non-compete for a region as of the end of the
                  fifth Annual Measuring Period of the Term without incurring a
                  six (6) month minimum License Fee continuation obligation
                  during the first six (6) months of the Renewal Term (if the
                  Agreement is renewed); provided that BISYS has notified OSI in
                  writing, at least one hundred and eighty (180) days prior to
                  the end of the Term, and further provided that such election
                  shall be irrevocable. Upon the expiration of such nine (9) or
                  six (6) month continuation period, as applicable, BISYS's
                  Minimum Fee Payment obligations for such region shall
                  terminate, subject only to completion of the final
                  reconciliation of the periods such obligations continued in
                  effect and the payment of all sums due with respect thereto as
                  provided in Section 8(b)(iii).

(c)      Limited Non-Compete. So long as this Agreement continues in effect,
except to the extent all or any part of these limited non-compete provisions are
terminated pursuant to Section 4(b), OSI shall not provide, or offer to provide,
outsourcing services using the System to Financial Institutions located in the
Territory except in the following circumstances:

         (i)    To a Financial Institution that refuses, or has refused, in
                writing to work with BISYS, including a Financial Institution
                that refuses to obtain Outsourcing Services using the System
                from BISYS;

         (ii)   To a BISYS customer that states in writing its intent to cease
                working with BISYS, regardless of whether BISYS provides such
                customer Outsourcing Services (using or not using the System) or
                other services;

         (iii)  To a prospective or existing customer to which BISYS refuses
                to provide Outsourcing Services;

         (iv)   To a customer of OSI who desires to have OSI provide
                outsourcing services using the System;

         (v)    To any customer of OSI using the System or Licensed Software
                as of the Effective Date of this Agreement.

OSI reserves and retains any and all rights to offer, sell, market, distribute,
license and provide the Licensed Software, the System, Ancillary Products, and
outsourcing services using the foregoing to the extent that OSI has not
expressly agreed to the contrary in Sections 2(d) and 4(c) of this Agreement.
Without limiting the generality of the foregoing, this Agreement shall not
preclude OSI (itself or through others) from (i) providing outsourcing services
using the System to Financial Institutions located outside the Territory or to
customers which are not Financial Institutions regardless of location; (ii)
offering, selling, marketing, distributing or licensing any

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Ancillary Products at any time in any manner; or (iii) from appointing other
distributors, resellers or remarketers of the Licensed Software, the System or
the Ancillary Products (except as may be limited by Section 2(d)).

(d)      Most Favored Customer. If, during the term of this Agreement, OSI
enters into a new agreement with a similarly situated third party that is not a
reseller of the Licensed Software as of the Effective Date of this Agreement,
for such reseller to provide reseller services under similar circumstances as
those granted to BISYS under this Agreement, and OSI provides such third party
reseller more favorable prices and pricing terms, in the aggregate, than are
provided hereunder for BISYS, then this Agreement will be deemed amended to
provide the same terms to BISYS, and OSI shall promptly provide BISYS with any
refund or credits created thereby, if applicable, calculated from the effective
date of such other reseller agreement. This provision shall not cause BISYS to
be relieved of any Minimum Sales Requirements or minimum fee payment
requirements under Sections 4(c) or 8(b). All prices and pricing terms and
conditions are to be compared and applied hereunder in the aggregate, and not
selectively.

(e)      Other OSI Products. If, at during the term of this Agreement, OSI makes
generally available to its Financial Institution customers any products that
could qualify as Ancillary Products or Licensed Software that are not set forth
in Schedule 1.1 or Schedule 1.11, at the request of either Party, the parties
may explore whether both Parties want to include such Ancillary Products in this
Agreement and, if the Parties agree, the Parties may negotiate the mutually
acceptable terms and conditions under which BISYS may offer, market or sell new
Ancillary Products or Licensed Software to Financial Institutions including,
without limitation, terms such as exclusivity, license fees, territory, and
minimum sales requirements. If the Parties reach such an agreement for any such
Ancillary Product or Licensed Software then such products may become additional
"Ancillary Products" or "Licensed Software" under this Agreement, and if agreed,
such products will be added to Schedule 1.1 or Schedule 1.11, as the case may
be, with notation of any variation of the terms and conditions that will apply
to such products.

5.       Audit Rights. BISYS shall maintain accurate books and records relating
to sales/licensing of the Licensed Software, the System, and the Ancillary
Products, and the calculation of License Fees, Maintenance Fees, and other fees
and charges payable under this Agreement to OSI, and as otherwise required to
document BISYS's compliance with the obligations of this Agreement. During the
Term or Renewal Term of this Agreement and for a period of three (3) years
thereafter, such books and records shall be available at BISYS' offices for
inspection by OSI or its representatives ("Audit") for the purpose of
determining whether the correct payments of any monies due to OSI have been made
in accordance with the terms of this Agreement. OSI and its representatives
shall have the right to conduct such an Audit once per calendar year upon thirty
(30) days advance notice to BISYS. BISYS agrees to cooperate with OSI's Audit
and provide OSI with reasonable assistance and access to information. OSI may
furnish BISYS once every six (6) months with an audit questionnaire, and BISYS
agrees to fully and accurately complete such questionnaire, and return it to OSI
within forty-five (45) calendar days of receipt. OSI's use of an audit
questionnaire will not limit OSI's ability to conduct any on-site Audit(s) as
provided above. All information disclosed during such Audit shall be treated as
confidential by OSI and its representatives. If the Audit reveals an
underpayment, BISYS shall immediately pay to OSI the full amount of such
underpayment, together with interest from

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the time such underpayment should have been paid to OSI thereon in accordance
with Section 8(d) hereof. In addition, if the underpayment is more than five
percent (5%) of any monies due for the period audited, BISYS shall bear all
reasonable expenses and costs of the Audit.

6.       Sales and Marketing.

(a)      Training. Each year OSI and BISYS will develop a mutually acceptable
curriculum appropriate for training of BISYS' sales associates involving the
Licensed Software and the Ancillary Products. The training sessions will be
conducted at mutually convenient times selected and scheduled by the Parties.
BISYS shall have the right to include six (6) of its sales employees in such
training programs, subject to class-size limitations, on a no-fee basis. BISYS
shall be responsible for the costs of all training materials and other
out-of-pocket costs and expenses directly or indirectly resulting from the
participation of its employees in such training programs as well as all travel
and related costs.

(b)      Demonstration. Upon execution of this Agreement, OSI and BISYS agree to
review each other's demonstration program for the Licensed Software and
Ancillary Products used for sales and demonstration purposes. Upon reasonable
request, the other Party shall provide its most-current version of such
demonstration program(s) as they may exist from time to time.

(c)      Marketing Materials. Within thirty (30) days following execution of
this Agreement, and upon OSI's request thereafter, BISYS shall provide OSI with
a copy of all marketing materials and any Documentation relating to the System
and/or the Ancillary Products. OSI will have final approval of all marketing
materials and documentation relating to the System and/or the Ancillary
Products. Prior to OSI's approval of such marketing materials and documentation,
BISYS shall not publish, distribute or use any such marketing materials or
Documentation. Upon BISYS' reasonable request, OSI shall provide BISYS with
marketing materials in an electronic format so that BISYS may include a version
of its logo previously approved by OSI and OSI shall have the right to charge
BISYS with any fees associated with providing these marketing materials in an
electronic format. BISYS may request that OSI prepare customized marketing
materials for BISYS, provided, however, that BISYS shall pay OSI a fee for such
services calculated on a time and materials basis using OSI's hourly rate in
effect at that time plus any expenses incurred by OSI.

(d)      Sales Support; Coordination. Upon BISYS' reasonable request, and
subject to OSI's availability, OSI shall provide reasonable sales support to
assist BISYS in its efforts to sell Outsourcing Services and/or Ancillary
Products to potential and existing Customers, as the case may be. BISYS shall be
responsible for the reasonable expenses incurred by OSI for such sales support.
Senior sales management for each of the Parties will meet in person or by
conference call no less frequently than once per calendar quarter to review
BISYS's sales and marketing strategies, sales forecasts, and sales pipeline
information and issues with respect to sales of Outsourcing Services and
Ancillary Products, and to review, and refer to appropriate persons, any
maintenance and support issues or other performance or procedure issues relating
to this Agreement; provided, however, that nothing herein shall be construed to
require or permit the sharing of information which either party, in good faith,
believes would violate any applicable law, government rules or regulations.
During such meetings, or at other convenient times, the

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Parties may negotiate mutually acceptable terms and conditions (including,
without limitation, potential expense reimbursement and/or sales commissions
payable) to govern any joint sales efforts relating to specific prospective
customers.

(e)      Notice of Agreements with Customers. BISYS shall provide a form copy of
the BISYS Customer contract for Outsourcing Services and the sale/licensing of
Ancillary Products to OSI prior to entering into the first Customer contract,
and, thereafter, within ten (10) days following OSI's request. The terms and
conditions of such forms as they relate to the Licensed Software and Ancillary
Products, other than pricing and payment, shall be subject to OSI's approval,
which will not be unreasonably withheld or delayed. BISYS shall also provide to
OSI written notice of (i) each new agreement with a Customer or TotalPlus
Customer relating to the System and/or an Ancillary Product, and (ii) each
termination of use by a Customer or TotalPlus Customer of the System and/or an
Ancillary Product, including, without limitation, expiration or termination of
the customer agreement, or conversion of the Customer or TotalPlus Customer to
different software. Each such notice for new agreements shall be given by BISYS
when any portion of the License Fee relating to such agreement first becomes
payable to OSI, and each such notice relating to any other event shall be
provided by BISYS within five (5) days after the end of the month in which the
event giving rise to the notice occurs. All such notices shall contain the
following minimum information: Financial Institution's name, city/state of
headquarters, asset size, and number of accounts.

(f)      Press Releases. The Parties expect to issue a mutually agreed upon
joint press release announcing this Agreement at the appropriate time. Prior to
such public announcement, neither Party shall make any public disclosure of the
existence or terms of this Agreement without the prior written consent of the
other. No press release concerning this Agreement shall be issued by any Party
without the prior written consent of the other Party.

(g)      Referral Fees. If OSI provides BISYS with an OSI New Sales Lead (as
hereinafter defined) during the Term of this Agreement (or any Renewal Term) and
the OSI New Sales Lead results in the sale of Licensed Software and/or Ancillary
Products to the OSI New Sales Lead within twelve (12) months following the date
of the referral notice, OSI shall be entitled to either a referral fee or a
commission in accordance with this Section 6(g). For purposes of this Agreement,
"OSI New Sales Lead" shall mean any bona-fide marketing or sales lead that OSI
helps develop through its efforts and of which BISYS is notified through OSI's
submission of the Lead Referral Form attached hereto as Schedule 6(g). BISYS
shall be responsible for providing the OSI New Sales Leads with price quotes and
its fees. BISYS agrees to be solely responsible for invoicing OSI New Sales
Leads and collecting any monies due or owing to BISYS from or by any OSI New
Sales Leads. OSI shall be entitled to, and BISYS hereby agrees to pay OSI, a
referral fee (the "OSI Referral Fee") of $5,000 payable at the time of the first
sale of Licensed Software to an OSI New Sales Lead if the first sale is made
within twelve (12) months following the date of the referral notice. OSI
Referral Fees shall be non-refundable.

7.       In-house Migrations. BISYS shall have the right to include an option in
an agreement with an existing or prospective Customer for the Customer to elect
to migrate from Outsourcing Services using the System to a license from OSI to
use the System at the Customer's facilities. However, such option shall be
offered only on the following conditions: (i) BISYS shall notify

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OSI in writing of the proposed migration option and obtain OSI's prior written
consent to the terms and conditions thereof; (ii) BISYS shall charge and collect
a migration option fee from each such Customer, in addition to the license fees
relating to Outsourcing Services, equal to twenty percent (20%) of the List
Price for a similarly sized customer measured as of the date the migration
option is granted (the "Migration Option Fee"); (iii) BISYS shall pay OSI
one-half of the Migration Option Fee within thirty (30) days following the date
of execution of the agreement or the granting of the migration option, which
ever is earlier; and (iv) at the time that such Customer exercises the migration
option, BISYS shall notify OSI in writing with all necessary facts, and OSI
shall set the fees to be paid by the Customer for the migration (the "Migration
Fees") along with implementation fees from the Outsourcing Services to the
in-house arrangement. OSI shall collect the Migration Fees from the Customer,
retain ninety percent (90%), and remit to BISYS, within thirty (30) days of
receipt of the Migration Fees from the Customer, ten percent (10%) of the
Migration Fees. In the event of a Customer migration pursuant to this Section 7,
BISYS shall continue to provide those other services BISYS provides to each such
Customer, assuming the Customer chooses to continue such services with BISYS
(other than any Ancillary Products), and BISYS shall be responsible for billing
and collecting any fees from each such Customer that are associated with such
services.

8.       Fees.

(a)      List Price. OSI shall have the right to modify the List Price for the
Licensed Software, System (including interfaces), and Ancillary Products once
each calendar year (usually, but not always, done at the beginning of each
calendar year). OSI will notify BISYS of any change in such List Prices at least
thirty (30) days prior to the effective date of the change.

(b)      Minimum Fee Payments; Reconciliation to Actual Fee Payments

         (i)    New Sales On/After January 1, 2003.  From and after the
                Effective Date, BISYS shall be required to pay to OSI the
                minimum annual License Fees (exclusive of Higher Level License
                Fees) in the amounts, and in accordance with the additional
                provisions, set forth in Schedule 4 (aggregating all regions)
                for (A) Customer License Fees with respect to Customer
                Agreements with a new Customer and with a first effective date
                on or after January 1, 2003, and (B) Ancillary Product Fees
                which become payable pursuant to Section (8)(c)(iii) during the
                first twenty four (24) months following the Effective Date with
                respect to licensing/sales of Ancillary Products to any
                Customers or TotalPlus Customers made on/after January 1, 2003.
                The minimum License Fee amount described under the heading
                Section 8(b)(i) on Schedule 4 for the Initial Period shall be
                paid by BISYS upon execution of this Agreement. Thereafter,
                commencing with the first Annual Measuring Period, one fourth of
                the minimum annual License Fee amount (adjusted to reflect the
                phase-in of regions as described under the heading Section
                8(b)(i) of Schedule 4) shall be paid by BISYS on the first
                business day of each of the four calendar quarters comprising
                the Annual Measuring Period. Payments of minimum License Fees
                pursuant to this Section 8(b)(i), and payment of License Fees
                (exclusive of Higher Level License Fees) which become payable
                with respect to actual sales pursuant to Sections 8(c)(i)(3) and
                8(c)(iii), will be reconciled and settled as

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                provided in Section 8(b)(iii) below. BISYS shall be in breach of
                the minimum License Fee payment requirements of this Section
                (which shall be a material breach of this Agreement) if it
                either (A) fails to make any quarterly minimum License Fee
                payments when due, or (B) fails to pay any Excess License Fees
                when due.

         (ii)   Sales of Ancillary Products After the First Two Annual Measuring
                Periods. This Section 8(b)(ii) will govern the payment of
                minimum annual Ancillary Product Fees with respect to Ancillary
                Product Fees which become payable pursuant to Section 8(c)(iii)
                commencing with the twenty fifth month following the Effective
                Date and during subsequent Annual Measuring Periods for
                licensing/sales of Ancillary Products made after January 1, 2003
                (which matters are intentionally not covered by Section
                8(b)(i)). BISYS shall be required to pay to OSI the minimum
                annual License Fees in the amounts shown in Section 8(b)(ii) on
                Schedule 4. One fourth of the minimum annual License Fee amount
                shall be paid on the first business day of each of the four
                calendar quarters comprising the Annual Measuring Period.
                Payments of minimum Ancillary Product Fees pursuant to this
                Section 8(b)(ii), and payment of Ancillary Product Fees which
                become payable with respect to actual licensing/sales pursuant
                to Sections 8(c)(iii) to which this Section applies will be
                reconciled and settled as provided in Section 8(b)(iii) below.
                BISYS shall be in breach of the minimum fee payment requirements
                of this Section (which shall be a material breach of this
                Agreement) if it either (A) fails to make any quarterly minimum
                fee payment when due, or (B) fails to pay any Excess Fees when
                due.

         (iii)  Measuring Period Reconciliations. The Initial Period and
                Annual Measuring Period reconciliations called for in Sections
                8(b)(i) and 8(b)(ii) shall be performed, and payments made, as
                follows:

                    (A)  BISYS will prepare and deliver to OSI reconciliations
                         as contemplated by clause (B) below with respect to the
                         Initial Period, each calendar quarter within an Annual
                         Measuring Period, and each other period for which a
                         reconciliation is required pursuant to this Agreement.
                         Such reconciliation shall be delivered within ten (10)
                         days following the end of each such applicable period
                         and shall be accompanied by BISYS's payment of all
                         amounts shown to be due to OSI. OSI shall notify BISYS
                         in writing of any additional amount OSI claims to be
                         due and any other item in dispute, and follow the
                         procedures in Section 22 to resolve any such dispute.
                         BISYS shall pay any disputed amounts for which it is
                         held responsible within three (3) business days
                         following resolution of the dispute. Separate
                         reconciliations shall be made with respect to the
                         License Fees due for the items covered by Section
                         8(b)(i) and the minimum Ancillary Product Fees for the
                         items covered by 8(b)(ii), as such minimums are not to
                         be aggregated and constitute independent requirements.
                         In addition, separate reconciliations of the License
                         Fees due for items covered by Section 8(b)(i) shall be
                         made with respect to each region, as such regional
                         minimums are not to be aggregated and constitute
                         independent requirements for reconciliation purposes.

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                    (B)  At each of the calendar quarter reconciliations for an
                         Annual Measuring Period, BISYS shall calculate the
                         difference, by region, between (X) the sum of all
                         applicable License Fees (excluding Higher Level License
                         Fees) which became payable by BISYS pursuant to Section
                         8(c)(i)(3) during such calendar quarter for qualifying
                         licensing/sales of the applicable products, and (Y) the
                         applicable minimum License Fee payment previously made
                         by BISYS with respect to such products for the calendar
                         quarter. If the License Fees that became payable from
                         actual qualified licensing/sales of such products for
                         the region exceed the applicable required minimum
                         License Fees paid by BISYS for the quarter for such
                         region, the difference is "Excess License Fees"; and if
                         the License Fees that became payable from actual
                         qualified licensing/sales for a region are less than
                         the applicable required minimum License Fees paid by
                         BISYS for the quarter for such region, the difference
                         is "Pre-Paid License Fees". BISYS shall pay to OSI the
                         amount of any Excess License Fees for the quarter for
                         each region after applying any Pre-Paid License Fees
                         for such region carried forward from the prior quarter.
                         Pre-Paid License Fees shall carry forward for the same
                         region to subsequent calendar quarters within the same
                         Annual Measuring Period only, except that Pre-Paid
                         License Fees may be carried forward to subsequent
                         Annual Measuring Periods to the extent permitted by
                         Section 8(b)(iii)(D). This paragraph shall apply to
                         other measuring periods for which a final
                         reconciliation is called for in this Agreement, except
                         the Initial Period (which shall be governed by Section
                         8(b)(iii)(C)).

                    (C)  The Initial Period shall be treated as a separate
                         measuring period with only a final reconciliation that
                         shall be made, by region, in accordance with the
                         procedures outlined in clause (A) above. BISYS's
                         reconciliation shall determine, by region, if there are
                         Excess License Fees for the Initial Period taking into
                         account the required minimum License Fee payment for
                         the Initial Period by region as noted in Schedule 4,
                         and the License Fees (not Higher Level License Fees)
                         that became payable by BISYS to OSI between January 1,
                         2003 and the end of the Initial Period for actual
                         qualified licensing/sales of items covered by Section
                         8(b)(i). At the time of submitting the reconciliation,
                         BISYS shall pay to OSI the amount by which the License
                         Fees payable with respect to each region exceed the
                         payments of License Fees by BISYS for such region,
                         including the minimum License Fees payable upon
                         execution of this Agreement.

                    (D)  Minimum License Fees paid pursuant to Section 8(b)
                         shall be non-refundable. Under no circumstances shall
                         OSI be obligated to repay to BISYS any portion of such
                         minimum License Fees paid by BISYS. Excess License Fees
                         payable by BISYS are to be fully reconciled, settled
                         and paid at the end of each calendar quarter of each
                         Annual Measuring Period (or other period for which
                         final reconciliation is called for under this
                         Agreement) and may not be carried forward to off-set
                         future minimum License Fees.

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                    (E)  Pre-Paid License Fees that remain unused after the
                         final reconciliation of the Annual Measuring Period in
                         which incurred expire and may not be carried forward to
                         subsequent Annual Measuring Periods to be credited
                         against subsequent Excess License Fees, except to the
                         extent such carry forward for use in the same region is
                         permitted, as follows:

                         (1)  Pre-Paid License Fees incurred during the Term may
                              be carried forward cumulatively until the end of
                              the Term.

                         (2)  Pre-Paid License Fees incurred during the Renewal
                              Term (if the Agreement is renewed), may be carried
                              forward cumulatively until the end of the Renewal
                              Term.

                         (3)  Pre-Paid License Fees incurred during the Term may
                              be carried forward cumulatively into, and to the
                              end of, the Renewal Term (if the Agreement is
                              renewed) only if the limited non-compete for such
                              region (and the related obligation to pay minimum
                              License Fees pursuant to this Section 8(b)) has
                              not been terminated by either Party pursuant to
                              Section 4(b) effective for the sixth Annual
                              Measuring Period (i.e., the first Annual Measuring
                              Period of the Renewal Term) or any earlier Annual
                              Measuring Period.

                         (4)  If the Agreement is renewed, but the non-compete
                              for a region has been terminated effective at the
                              end of the fifth year of the Term by either Party
                              pursuant to Section 4(b), only the Pre-Paid
                              License Fees incurred in the fifth Annual
                              Measuring Period may be carried forward to the
                              Renewal Term and only for the first Annual
                              Measuring Period of the Renewal Term.

         (iv)   Maintenance Fee Shortfall Make-up. At the end of each Annual
                Measuring Period (and at the time reconciliation would normally
                be performed under Section 8(b)(iii)), BISYS shall provide OSI a
                written calculation of a maintenance fee shortfall payment (the
                "Maintenance Fee Shortfall") and pay the amount thereof, to
                compensate OSI for estimated lost maintenance fees for the
                following Annual Measuring Period due to lower than required
                minimum Licensed Software and Ancillary Products sales during
                the preceding Annual Measuring Period. The Maintenance Fee
                Shortfall is an amount equal to the cumulative unused Pre-Paid
                License Fees incurred since the Effective Date, if any,
                determined as of the end of such Annual Measuring Period after
                any applicable final reconciliation, divided by 0.75, and
                multiplied by the annual maintenance fee percentage then
                applicable to the region pursuant to Section 8(d)(iii) clause
                (2) or clause (3), as appropriate. Such determination shall be
                made on a region by region basis and made for all regions
                whether or not the minimum License Fee payment requirements of
                Section 8(b) were in effect during any portion of the Annual
                Measuring Period. OSI notification of disputes and dispute
                resolution regarding Maintenance Fee Shortfall Payments shall
                follow the procedures for other reconciliations described in
                Section 8(b)(iii). Maintenance Fee Shortfall payments are
                non-refundable. Notwithstanding the

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                foregoing, in calculating Maintenance Fee Shortfalls, BISYS
                shall be entitled to exclude any Pre-Paid License Fees first
                incurred during either the six (6) or nine (9) month (as
                applicable) minimum License Fee continuation period associated
                with a termination by BISYS of a limited non-compete for a
                region pursuant to Section 4(b).

         (v)    Termination of Non-Compete for a Region. A termination pursuant
                to Section 4(b) of the limited non-compete provisions of Section
                4(c) for a region automatically terminates the prospective
                obligation to pay minimum License Fees and Maintenance Shortfall
                Payments for such region as and to the extent provided in
                Section 4(b). If such obligations are terminated, the final
                reconciliation for the region under Section 8(b)(iii) shall be
                made and any Excess License Fees paid. License Fees payable from
                licensing/sales in such region after the effective date of the
                termination of the minimum License Fee payment obligation in the
                region shall not count toward satisfying either the Minimum
                Sales Requirements or the Minimum Quarterly Fee requirements for
                any other region or regions.

(c)      License Fees

(i)      Customer License Fee For Outsourcing Services

         (1) Customers Prior to January 1, 2002. This Section applies to each
agreement between BISYS and a Customer for Outsourcing Services ("Customer
Agreement") with its first effective date before January 1, 2002. BISYS's
obligation with respect to each such Customer Agreement is to pay OSI a
non-refundable license fee (each a "Customer License Fee") equal to thirty
percent (30%) of the OSI List Price for the Licensed Software (excluding
Interfaces) and Third Party Software payable by an OSI direct customer similarly
situated as of the effective date of such Customer Agreement. The Customer
License Fee with respect to each Customer Agreement is to be paid by BISYS to
OSI in equal monthly installments over the initial term of the Customer
Agreement, not to exceed five years. The payments commence on the first day of
the month following the Conversion Date and are to be paid each month thereafter
until paid in full unless the Customer Agreement shall earlier terminate and
BISYS is no longer an Outsourcing Services provider to such Customer. Customer
License Fees paid by BISYS to OSI prior to the Effective Date with respect to a
Customer Agreement under the terms of a predecessor agreement shall be deemed
made with respect to such Customer Agreement pursuant to the payment obligation
set forth above.

         (2) Customers Between January 1, 2002 and December 31, 2002. This
Section applies to each Customer Agreement with its first effective date on or
after January 1, 2002, but prior to January 1, 2003. BISYS's obligation with
respect to each such Customer Agreement is to pay OSI a non-refundable Customer
License Fee equal to thirty percent (30%) of the OSI List Price of the Licensed
Software (excluding Interfaces) and Third Party Software payable by an OSI
direct customer of the same Customer Size (as defined in paragraph (4) below).
The Customer License Fee shall initially be determined based on a good-faith
estimate of the Customer Size as of the effective date of the Customer
Agreement. Fifty percent (50%) of such Customer License Fee shall be paid by
BISYS to OSI upon execution of the Customer

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Agreement. The remaining fifty percent (50%) of the Customer License Fee shall
be paid on the Conversion Date, plus the amount of any adjustment to the
Customer License Fee based on redetermination of the Customer Size as of the
Conversion Date. Customer License Fees paid by BISYS to OSI prior to the
Effective Date with respect to a Customer Agreement under the terms of a
predecessor agreement shall be deemed made with respect to such Customer
Agreement pursuant to the payment obligation set forth above.

         (3) Customers On/After January 1, 2003. This Section applies to each
Customer Agreement with its first effective date on/after January 1, 2003.
Subject to Section 21(a)(iii), BISYS's obligation with respect to each such
Customer Agreement is to pay OSI a non-refundable Customer License Fee equal to
seventy five percent (75%) of the OSI List Price of the Licensed Software
(excluding Interfaces) and Third Party Software payable by an OSI direct
customer of the same Customer Size. The Customer License Fee shall initially be
determined based on a good-faith estimate of the Customer Size as of the
effective date of the Customer Agreement. Such Customer License Fee shall become
payable by BISYS upon the execution date of the Customer Agreement, subject to
an adjustment of the amount due based on a redetermination of the Customer Size
as of the Conversion Date. Customer License Fees that are or become payable by
BISYS pursuant to these terms and conditions, shall be paid to OSI in accordance
with Section 8(b) with the adjustment, if any, based on the Customer Size that
is determined as of the Conversion Date being made in the reconciliation for the
calendar quarter in which the Conversion Date falls, but in no event later than
thirty (30) days following the end of such calendar quarter.

(ii)     Higher Level License Fees.

         (1) Customers Prior to January 1, 2002. This Section applies to each
Customer Agreement with its first effective date before January 1, 2002. On
every five year anniversary of the commencement of the initial term of a
continuing Customer Agreement, BISYS is obligated to pay OSI an additional fee
("Higher Level License Fee") equal to thirty percent (30%) of the difference, if
any, between (i) the sum of the initial Customer License Fee payable pursuant to
Section 8(c)(i)(1) and any Higher Level License Fees already paid by BISYS with
respect to such Customer Agreement pursuant to this Agreement or any predecessor
agreement, and (ii) the Customer License Fee that would apply if calculated as
of the applicable anniversary calculation date based on the most recent Customer
Size for such Customer and the then current OSI List Price of the Licensed
Software (excluding Interfaces and Third Party Software). At the time of the
calculation BISYS shall provide information detailing the Customer Size as of
the applicable anniversary calculation date. Such Higher Level License Fee, if
any, shall be paid by BISYS to OSI with thirty (30) days following the
applicable anniversary calculation date. Higher Level License Fees payable by
BISYS to OSI with respect to a Customer Agreement under the terms of a
predecessor agreement shall continue to be paid by BISYS to OSI as required
under the terms of the predecessor agreement until the next applicable
anniversary calculation date hereunder, at which time the terms and conditions
of this Section 8(b)(ii)(1) shall govern all future calculation and payment of
Higher Level License Fees with respect to such Customer Agreement.

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         (2) Customers Between January 1, 2002 and December 31, 2002. The
following shall apply to each Customer Agreement with its first effective date
on or after January 1, 2002, but before January 1, 2003. On every five year
anniversary of the commencement of the initial term of a continuing Customer
Agreement, BISYS is obligated to pay OSI a Higher Level License Fee equal to
thirty percent (30%) of the difference, if any, between (i) the sum of the
initial Customer License Fee payable pursuant to Section 8(c)(i)(2) and any
Higher Level License Fees already paid by BISYS with respect to such Customer
Agreement pursuant to this Agreement or any predecessor agreement, and (ii) the
Customer License Fee that would apply if calculated as of the applicable
anniversary calculation date based on the most recent Customer Size for such
Customer and the then current OSI List Price of the Licensed Software (excluding
Interfaces and Third Party Software). At the time of the calculation BISYS shall
provide information detailing the Customer Size as of the applicable anniversary
calculation date. Such Higher Level License Fee, if any, shall be paid by BISYS
to OSI with thirty (30) days following the applicable anniversary calculation
date..

         (3) Customers On/After January 1, 2003. The following shall apply to
each Customer Agreement with its first effective date on or after January 1,
2003. Subject to Section 21(a)(iii), on each anniversary of the Conversion Date
for such Customer Agreement, BISYS is obligated to pay OSI with respect to each
such on-going Customer Agreement a Higher Level License Fee equal to seventy
five percent (75%) of the difference, if any, between (i) the sum of the initial
Customer License Fee payable pursuant to Section 80c)(i)(3) and any Higher Level
License Fees already paid by BISYS with respect to such Customer Agreement, and
(ii) the Customer License Fee that would apply if calculated as of such
Conversion Date anniversary based on the most recent Customer Size for such
Customer and the then current OSI List Price of the Licensed Software (excluding
Interfaces and Third Party Software).

         (4) Customer Size. When any Customer License Fee, Ancillary Product
Fee, or Higher Level License Fee is to be calculated based on Customer Size, at
least fifteen (15) days prior to the payment due date, BISYS shall provide OSI
with a statement, certified by a duly-authorized officer of BISYS, detailing the
asset size and number of accounts of the applicable Customer ("Customer Size").
"Asset size" means the total assets as described in the Customer's most recent
statement of condition filed with its primary regulator. "Number of accounts"
means the total number of accounts of the Customer on the System (and a
comparable measurement for Ancillary Products sold to TotalPlus Customers) as of
the end of the last day of the preceding calendar quarter.

         (5) No Reduction - Higher Level License Fees. OSI and BISYS hereby
agree that under no circumstances shall BISYS be entitled to a refund, credit,
offset, or any other reduction in Higher Level License Fees in the event that
the Customer Size for any Customer decreases during any calculation period or at
any time during this Agreement.

(iii)    Ancillary Products Fees. Unless otherwise provided on Schedule 1.1 and
subject to Section 21(a)(iii), BISYS is obligated to pay OSI a non-refundable
license fee for each Ancillary Product licensed by a Customer or TotalPlus
Customer equal to seventy five percent (75%) of the OSI List Price for the
Ancillary Product payable by a substantially similar OSI direct customer
(including the same Customer Size, if applicable to the List Price
determination)

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as of the effective date of the Ancillary Product agreement with the Customer
(the "Ancillary Product Fee"). Such Ancillary Product Fee shall be payable by
BISYS upon the effective date of the Ancillary Product license with the Customer
or TotalPlus Customer, and shall be paid by BISYS to OSI pursuant to Section
8(b). In addition to each Ancillary Product Fee, BISYS shall pay to OSI each
year a Higher Level License Fee for Ancillary Products sold/licensed to each
Customer and TotalPlus Customer. The Higher Level License Fee calculation shall
be made for each Customer on the anniversary of the Conversion Date of the
Customer Agreement, and for each TotalPlus Customer on the anniversary of the
effective date of the core outsourcing services agreement with BISYS. The Higher
Level License shall be equal to seventy five percent (75%) of the difference, if
any, between (i) the sum of the initial Ancillary Product Fee and any Higher
Level License Fees already paid by BISYS for the Ancillary Products with respect
to such Customer or TotalPlus Customer, and (ii) the Ancillary Product Fee
recalculated as of the effective date of the calculation based on the Customer's
or TotalPlus Customer current characteristics (including most current Customer
Size, if applicable to the List Price determination) and the then current OSI
List Price of the Ancillary Product. Notwithstanding the foregoing, the
Ancillary Product Fee for Ancillary Products which are services and not licensed
software, and which continue to be payable on a periodic basis, shall be
adjusted annually, at each anniversary of the Conversion Date (Customers) or
anniversary of the services agreement effective date (TotalPlus Customers), as
applicable, based on changes to the List Price for such services and changes in
Customer Size if applicable to such Ancillary Product services.

(d)      Other Fees

(i)      Customer Early Termination Fees. In the case of an agreement between
BISYS and a Customer for Outsourcing Services first entered into prior to
January 1, 2002, if such agreement terminates prior to the expiration of the
initial or then current renewal term of such Outsourcing Services agreement,
BISYS shall pay OSI, in addition to the normal ongoing fees due until
termination, a termination fee equal to the lesser of the amount representing
(A) the number of monthly installments of License Fees and/or pertinent
maintenance fees remaining or (B) the number of monthly installments of License
Fees and/or pertinent maintenance fees set forth below based on the number of
months remaining in the initial or renewal term of such Customer's Outsourcing
Services agreement, plus the amount of any Higher Level License Fee determined
as of the date of the termination, and no further payment obligations in respect
of such License Fees or maintenance fees shall be due:

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<TABLE>
<CAPTION>
Months Remaining in Term      Monthly Installments
------------------------      --------------------
<S>                           <C>
       36+                            18
       24 - 35                        12
       12 - 23                         6
</TABLE>

In the case of a Customer Agreement with a first effective date on or after
January 1, 2002, if such Customer Agreement terminates prior to the expiration
of the initial or then current renewal term of such Customer Agreement, no
License Fees shall be refundable and no additional obligations with respect to
License Fees shall be due, but BISYS shall pay OSI, in addition to the normal
ongoing fees due until termination, a termination fee calculated in accordance
with Section 8(d)(i) above but based only on the pertinent maintenance fee
installments that otherwise would have been payable.

(ii)     Interface Fees. BISYS shall pay OSI a non-refundable interface fee for
each Customer executing an agreement with BISYS for Outsourcing Services that
includes any interfaces provided by OSI to BISYS as part of the Licensed
Software equal to thirty percent (30%) of the applicable OSI List Price for the
Interface (the "Interface License Fees"). Such Interface License Fees shall be
payable in full upon receipt of OSI's invoice following the Conversion Date.

(iii)    Maintenance Fees. Maintenance Fees shall be paid with respect to all
Licensed Software, Ancillary Products (except those which are services where the
service fees already include maintenance), Third Party Software and Interfaces.

         (1) Customers Prior to January 1, 2003. This Section applies only to
continuing Customer Agreements with a first effective date prior to January 1,
2003. Commencing upon Conversion to the System, OSI shall be entitled to an
annual maintenance fee during the term of the Customer Agreement equal to a
percentage of the then current List Price of the Licensed Software (including
Interfaces), Ancillary Products and Third Party Software payable by an OSI
direct customer similarly situated as of the date of the Outsourcing Services
agreement as follows:

<TABLE>
<CAPTION>
Year                      Percentage
----                      ----------
<S>                       <C>
1 and 2                    5%
3                          7%
4 +                       10%
</TABLE>

Such annual maintenance fee shall be payable in equal monthly installments
commencing on the first day of each month following the Conversion Date through
the initial term of the Customer Agreement. During any renewal or extension term
of the Customer Agreement, OSI shall be entitled to an annual maintenance fee
equal to twelve percent (12%) of the then current List Price payable by an OSI
direct customer similarly situated for the Licensed Software (including
Interfaces), Ancillary Products and Third Party Software. Such annual
maintenance fee shall be payable in equal monthly installments commencing on the
first day of each month following the renewal or extension date through the
renewal or extension term, or until earlier termination of such agreement.

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         (2) Customers On/After January 1, 2003. This Section applies to all
Customer Agreements with a first effective date on or after January 1, 2003.
Commencing upon Conversion to the System, OSI shall be entitled to an annual
maintenance fee during the term of the Customer Agreement with a Customer equal
to twelve percent (12%) of the then current List Price payable by an OSI direct
customer similarly situated for the Licensed Software (including Interfaces),
Ancillary Products and Third Party Software. Such annual maintenance fee shall
be payable in equal monthly installments commencing on the first day of each
month following the Conversion Date through the initial term, renewal term, or
extension term, or until earlier termination of the Customer Agreement.

         (3) Certain Renewal Terms; Post-Termination Support. The annual
maintenance fees provided in Section 8(d)(iii) shall change to be calculated on
the basis of OSI's then standard annual maintenance fee percentage of its then
current List Price payable by an OSI direct customer similarly situated for the
Licensed Software (including Interfaces), Ancillary Products and Third Party
Software, effective for the following: (i) the provision by OSI of
post-termination maintenance support services as provided in Section 9(d), or
(ii) the provision by OSI of support services during a Renewal Term with respect
to certain regions as described in Section 21(a)(iii).

(iv)     Payment; Late Fees. In all cases where a payment due date is not
expressly stated or provided for in this Agreement, each License Fee, Higher
Level License Fee, Maintenance Fee, and other fee, cost, charge or expense
payable to OSI hereunder from BISYS shall be due and payable thirty (30) days
following the occurrence of the last event which gives rise to the payment
obligation. All payments due to OSI pursuant to this Agreement shall bear
interest at the rate of one and one-half percent (1.5%) per month from the due
date (or the maximum permissible by law if less than one and one-half percent
(1.5%) per month). All amounts payable to OSI hereunder are payable in full in
United States Dollars without deduction or set off, and shall be in addition to
all sales, use or other taxes or duties, which are also BISYS' responsibility.

9.       System Support.

(a)      BISYS Primary Support. BISYS shall provide the first line of product
and technical help desk support to its Customers relating to the Licensed
Software (including Interfaces), Ancillary Products and Third Party Software.
This shall include all of the day-to-day issues of functionality, error
correction and customer service. BISYS shall provide the names and telephone
numbers of the designated BISYS personnel assigned to work with OSI. BISYS shall
use its commercially reasonable efforts to minimize the number of support
contacts it makes with OSI.

(b)      OSI Back-Up Support. OSI shall provide back-up product and technical
support to BISYS for the Licensed Software (including Interfaces), Ancillary
Products (licensed software only) and Third Party Software as described in
Schedule 9(b). OSI shall not provide direct support to BISYS Customers. OSI
backup support services shall be provided seven (7) days per week, twenty-four
(24) hours per day for Priority A errors and during normal working hours for
other errors. OSI shall furnish the names and telephone numbers of its personnel
for both normal working hours and other times (e.g., holidays, weekends, etc.).

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(c)      Support Training. Each year OSI and BISYS will develop a mutually
acceptable curriculum appropriate for training of BISYS' support employees
involving the Licensed Software and the Ancillary Products and, to the extent
offered by OSI to others, involving the Third Party Software. The training
sessions will be conducted at mutually convenient times selected and scheduled
by the Parties. BISYS shall have the right to include six (6) of its support
employees in such training programs, subject to class-size limitations, at 50%
of OSI's then standard fee. BISYS shall be responsible for the costs of all
training materials and other out-of-pocket costs and expenses directly or
indirectly resulting from the participation of its employees in such training
programs as well as all travel and related costs.

(d)      Post-Termination Maintenance Support. OSI's obligation to provide
maintenance support services pursuant to this Section 9 and to provide Master
Copies pursuant to Section 3, shall continue for the term of this Agreement. If
BISYS is not then in material breach of this Agreement and so long as it
continues to pay all required Maintenance Fees and otherwise comply with this
Agreement, such maintenance support obligation of OSI shall continue and survive
after the expiration, termination or cancellation of this Agreement for a period
ending with the expiration, termination or cancellation of the then current term
(as of the date this Agreement expires, terminates or is cancelled), without
further extension or renewal, of the last Customer Agreement or agreement then
in effect for the use of Ancillary Products under which BISYS is obligated to
provide maintenance or support for the Licensed Software or Ancillary Products
for its Customer or TotalPlus Customer.

10.      Product Development - General.

(a)      Development Collaboration. Appropriate representatives of OSI and BISYS
shall meet at least semi-annually to discuss and review each other's product
development plans and for OSI and BISYS to provide input based on competitive
feature and function requirements. At any time during the Term or any Renewal
Term of this Agreement, BISYS shall have the right to request certain
development efforts related to the System and to Ancillary Products. To the
extent it is mutually agreed that such development efforts enhance the overall
value, marketability or competitive position of the System and the Ancillary
Products, such efforts shall be funded by OSI. BISYS shall be given the
opportunity to contribute to such efforts either through funding and/or
contribution of application specifications and/or certain technology to expedite
delivery or to address certain customer requirements that may not be considered
to significantly enhance the overall value, marketability or competitive value
of the System and the Ancillary Products. OSI reserves all right, in its sole
discretion, to determine the scope and nature of any and all development
activities that will be performed to the System and Ancillary Products
regardless of the source of funding.

(b)      Intellectual Property Ownership. BISYS assigns to OSI and its
successors, legal representatives, and assigns all rights, title and interest
that BISYS may have, now or in the future, to all inventions, ideas, and
discoveries that it may contribute regarding product development and the
Licensed Software, System and Ancillary Products, including all Intellectual
Property Rights (as defined below) therein. BISYS shall take any and all other
reasonable steps and execute, acknowledge and deliver to OSI, at OSI's expense,
any and all

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further instruments necessary or expedient in order to vest the aforesaid
Intellectual Property Rights more effectively in OSI. "Intellectual Property
Rights" shall mean (i) inventions, whether or not patentable, reduced to
practice, or made the subject of a pending patent application or applications,
(ii) national or multinational statutory invention registrations, patents,
patent registrations and patent applications (including all reissues, divisions,
continuations, continuations-in-part, extensions and reexaminations) and all
rights therein, and all improvements to the inventions disclosed therein, (iii)
copyrights (registered or otherwise) and registrations and applications for
registration thereof, and all rights therein, (iv) moral rights (including,
without limitation, rights of paternity and integrity), and waivers of such
rights by others, and (v) trade secrets and other Confidential Information.

11.      Product Development - Customer Requirements.

OSI recognizes that BISYS may from time to time be requested to provide
additional features, functionality or interfaces with respect to the System and
Ancillary Products in order to secure a new Customer or retain an existing
Customer. OSI agrees to use reasonable commercial efforts to deliver a
feasibility assessment with respect to such additional features, functionality
or interfaces in writing within 30 days of receipt of a written request,
including but not limited to an assessment of the time period and resources
necessary for, and remuneration to OSI to satisfy such requirements, provided,
however, that BISYS shall pay OSI a fee for any such services to be determined
by OSI at that time. Based on such assessment, OSI and BISYS by mutual agreement
shall determine the appropriate course of action to address the Customer
requirements and, if appropriate, to set forth the specifications, deliverables
and costs in a writing mutually agreed and signed by OSI and BISYS. OSI shall
use commercially reasonable efforts to satisfy the requirements set forth in
such written agreement within the agreed time periods. BISYS shall not make any
contractual obligations with respect to such Customer requirements except as
specifically approved in writing by OSI.

12.      Product Development - Resources.  BISYS and OSI agree to designate
dedicated OSI development resources to BISYS requests. The fee structure for
these resources are set forth in Schedule 12.

13.      Source Code Escrow.

(a)      Escrow Deposits; Releases. OSI agrees, at BISYS' sole expense, to enter
into a standard commercial escrow agreement providing BISYS with certain rights
to the source code for the Licensed Software and Ancillary Products (licensed
software only) (the "Deposit Materials"), and to provide current versions of the
Licensed Software to the escrow agent, with at least the following release
conditions: OSI (i) becomes or is declared insolvent or bankrupt, (ii) becomes
the subject of, and fails to cause its dismissal within 180 days, any
proceedings relating to its liquidation insolvency or for the appointment of a
receiver or similar officer for it, (iii) makes an assignment for the benefit of
all or substantially all of its creditors, or (iv) enters into an agreement for
the composition, extension, or readjustment of all or substantially all of its
obligations.

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(b)      Use Rights. In the event that BISYS obtains the Deposit Materials
pursuant to this Section 13, BISYS may use the Deposit Materials solely to
maintain and support the Licensed Software and Ancillary Products so as to
enable BISYS and its Customers and TotalPlus Customers to make the use of the
System, Licensed Software and Ancillary Products as intended by this Agreement.
Such use shall at all times be subject to and in accordance with the terms of
this Agreement, including, without limitation, the licenses granted to BISYS in
Section 2. BISYS's right to use the Deposit Materials shall expire upon the
expiration or termination of OSI's obligation to provide post-termination
maintenance support services pursuant to Section 9(d) of this Agreement. BISYS
shall not, under any circumstances, sell, disclose, modify, assign, transfer or
convey in any manner, or dispose of the Deposit Materials or any portion of the
Deposit Materials, except as may be expressly permitted in this Agreement. BISYS
acknowledges and agrees that the Deposit Materials shall, at all times, remain
the sole and exclusive property of OSI.

(c)      Survival. The provisions of this Section 13 and the Source Code Escrow
shall survive the expiration, termination or cancellation of this Agreement and
shall continue until the expiration or termination of OSI's obligation to
provide post-termination maintenance support services pursuant to Section 9(d)
of this Agreement. Upon the termination of the Source Code Escrow, or upon the
expiration of BISYS's right to use the Deposit Materials that it has obtained
pursuant to this Section 13, the Deposit Materials shall be promptly returned to
OSI.

(d)      Business Continuity. The Parties agree that this Section 13 provides
appropriate access by BISYS to OSI's proprietary source code for the Licensed
Products and Ancillary Products in the event that this is needed to facilitate
the continuing use by BISYS and its Customers and TotalPlus Customers of the
Licensed Software and Ancillary Products during and after the term of this
Agreement and that this arrangement satisfies contractual obligations and
regulatory compliance regarding business continuation.

14.      Non- Solicitation of Existing Customers. BISYS and OSI agree that
neither Party will in any manner, solicit, attempt to solicit each other's
customers of its core products and any sales or sales solicitation contact with
the other Party's existing core customers must be approved in writing by the
other Party; provided, however, that such prohibitions shall not apply to OSI in
any of the circumstances outlined in Section 4(c), clauses (i) through (iv).

15.      Employees.

During the Term or any Renewal Term of this Agreement, each Party will refrain
from seeking to hire the employees of the other and, for the one (1) year
following termination of employment, terminated employees of the other without
the prior written consent of the other.

16.      Confidentiality.

OSI represents that the System, Licensed Software, Interfaces, Ancillary
Software and Third Party Software contain trade secrets and BISYS agrees to
treat the same as OSI's confidential information and will not disassemble,
de-compile or reverse engineer any of the foregoing.

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The Parties further acknowledge that in the course of performing their
respective responsibilities under this Agreement, each may be exposed to or
acquire information which is proprietary to or confidential to the other Party
or its clients including computer programs, software tools, protocols, system
benchmarks, business and marketing plans, product descriptions, development
schedules, product positioning, choices of product names and financial data, and
including without limitation, the System, Licensed Software, Interfaces,
Ancillary Software, and Third Party Software. All such confidential and
proprietary information in whatever form, are hereinafter collectively referred
to as "Confidential Information".

Notwithstanding the foregoing, "Confidential Information" shall not include
information that: (i) is or becomes part of the public domain other than due to
actions of the receiving Party in violation of its confidentiality obligations
to the providing Party; (ii) was known to the receiving Party as of the time of
its disclosure; (iii) is independently developed by the receiving Party without
the use of, or reference to, any Confidential Information; (iv) is subsequently
learned from a third party not under a confidentiality obligation to the
providing Party; or (v) is required to be disclosed pursuant to court order or
government authority, whereupon the receiving Party shall provide notice to the
providing Party prior to such disclosure and cooperate with the providing Party
in reasonable efforts to preserve and protect the confidentiality of such
Confidential Information to the extent permitted by such court or governmental
authority.

Except as otherwise permitted hereunder, the receiving Party agrees to hold
Confidential Information of the providing Party in strict confidence and not to
copy, reproduce, sell, assign, license, market, transfer, give or otherwise
disclose such information to third parties or to use such information for any
purposes whatsoever, without the express written permission of the providing
Party and to advise each of the receiving Party's employees, agents and
representatives of their obligations to keep such information confidential.

The Parties shall use their reasonable efforts to assist each other in
identifying and preventing any unauthorized use or disclosure of any
Confidential Information. Without limitation of the foregoing, the receiving
Party shall use reasonable efforts to advise the providing Party immediately in
the event that the receiving Party learns or has reason to believe that any
person who has had access to Confidential Information has violated or intends to
violate the terms of this provision, and will reasonably cooperate in seeking
injunctive relief against any such person.

Without prejudice to the rights and remedies otherwise available to the Parties,
each Party shall be entitled to equitable relief by way of injunction or
otherwise as to its Confidential Information if the receiving Party or any of
its employees, agents or representatives breach or threaten to breach any of the
provisions of this Section 16.

17.      Warranties.

(a)      Ownership. OSI represents and warrants that it has the sole ownership
of and/or the right to license and sub-license the Licensed Software and the
Ancillary Products as contemplated by this Agreement and has the full power to
grant the rights granted herein without the consent of any other person or
entity.

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(b)      Performance. OSI represents, warrants and covenants that the media on
which the Licensed Software and Ancillary Products are recorded and delivered to
BISYS hereunder is free from defects in material and workmanship under normal
use and service for a period of ninety (90) days from delivery. OSI agrees to
replace any defective media upon return to OSI.

OSI warrants that the Licensed Software and Ancillary Products will be free of
disabling code as of the date of delivery by OSI to BISYS. OSI agrees that it
will maintain a master copy of the Licensed Software and Ancillary Products
(licensed products only) made by OSI thereto, and will take such steps as are
reasonably necessary to keep the same free of Disabling Code. "Disabling code"
shall mean computer instructions that:

         (i)    Alter, destroy or inhibit the Licensed Software or BISYS'
                processing environment, including without limitation, other
                programs, data storage, computer libraries, and computer and
                communications equipment;

         (ii)   without functional purpose, self-replicate without manual
                intervention; or

         (iii)  purport to perform a meaningful function but which actually
                perform either a destructive or harmful function, or perform no
                meaningful function.

(c)      Compliance with Laws and Regulations. OSI represents that for a period
of ninety (90) days after the date of execution of this Agreement and during any
period during which BISYS is receiving maintenance and system support in
accordance with the terms and conditions of this Agreement, the Licensed
Software and the Ancillary Products shall:

         (i)    Function and perform substantially in accordance with the
                applicable Documentation and specifications.

         (ii)   Operate on the hardware specified or approved by OSI consistent
                with the specifications and Documentation.

         (iii)  Process BISYS' Customer's data in accordance with the minimum
                data processing standards promulgated by federal banking
                agencies, which regulate BISYS' Customers and TotalPlus
                Customers.

If BISYS discovers that the Licensed Software and Ancillary Products do not meet
the criteria set forth above, BISYS shall notify OSI and OSI shall promptly take
commercially reasonable steps in accordance with support terms and conditions to
bring the same into compliance with the criteria set forth above.

(d)      Disclaimer. THESE EXPRESS WARRANTIES TAKE THE PLACE OF AND SUPERSEDE
ALL OTHER WARRANTIES, EXPRESS OR IMPLIED AND WHETHER OF MERCHANTABILITY, FITNESS
FOR A PARTICULAR PURPOSE OR OTHERWISE, ALL OF WHICH ARE HEREBY EXPRESSLY
DISCLAIMED. EXCEPT AS EXPRESSLY PROVIDED HEREIN, OSI DOES NOT WARRANT,
GUARANTEE, OR MAKE ANY REPRESENTATIONS REGARDING THE USE, OR THE RESULTS OF THE
USE, OF THE LICENSED SOFTWARE, THE ANCILLARY PRODUCTS, THE SYSTEM OR

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DOCUMENTATION. OSI DOES NOT WARRANT THAT THE OPERATIONS OF THE LICENSED SOFTWARE
AND ANCILLARY PRODUCTS WILL BE UNINTERRUPTED OR ERROR FREE.

(e)      Limitation of Liability. EXCEPT FOR OSI'S INDEMNITY OBLIGATIONS UNDER
SECTION 19 (RELATING TO INTELLECTUAL PROPERTY INFRINGEMENTS), A BREACH OF ITS
CONFIDENTIALITY OBLIGATIONS UNDER SECTION 16, ANY LIABILITY OSI MAY HAVE FOR
PERSONAL INJURY OR DAMAGE OR DESTRUCTION OF REAL OR TANGIBLE PERSONAL PROPERTY,
OR LIABILITY RESULTING FROM OSI'S GROSS NEGLIGENCE OR WILLFUL MISCONDUCT, OSI
SHALL NOT BE LIABLE TO BISYS FOR ANY INDIRECT, SPECIAL, INCIDENTAL OR
CONSEQUENTIAL DAMAGES OR LOST PROFITS OR REVENUES ARISING OUT OF THIS AGREEMENT
OR IN ANY WAY RELATED TO THIS AGREEMENT, EVEN IF OSI KNOWS, SHOULD HAVE KNOWN,
OR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

EXCEPT FOR A BREACH OF ITS CONFIDENTIALITY OBLIGATIONS UNDER SECTION 16, OR
LIABILITY RESULTING FROM ITS GROSS NEGLIGENCE OR WILLFUL MISCONDUCT, BISYS SHALL
NOT BE LIABLE TO OSI FOR ANY INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL
DAMAGES OR LOST PROFITS OR REVENUES ARISING OUT OF THIS AGREEMENT OR IN ANY WAY
RELATED TO THIS AGREEMENT, EVEN IF BISYS KNOWS, SHOULD HAVE KNOWN, OR HAS BEEN
ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

19.      Indemnification

(a)      Cross Indemnification. Each Party (the "Indemnifying Party") shall
defend, indemnify and hold the other Party and its officers, directors, agents
and employees (the "Indemnified Persons") harmless from and against any and all
third party claims, suits, damages, liabilities, costs and expenses (including
reasonable attorney's fees) arising out of or resulting from any claim relating
to Indemnifying Party's activities under this Agreement, including but not
limited to, the failure to comply with all applicable regulations or laws.

This provision shall not apply to the obligations of OSI covered by Section
19(b), which shall be a separate and exclusive indemnification obligation.

(b)      Indemnification by OSI. OSI shall defend, indemnify and hold BISYS and
its officers, directors, agents and employees harmless from and against any and
all third party claims, suits, damages, liabilities, costs and expenses
(including reasonable attorney's fees) arising out of or resulting from any
claim that BISYS' use of the Licensed Software or the Ancillary Products
infringes a validly existing United States patent, copyright, or trademark or
misappropriates a trade secret of any third party.

In the event that the Licensed Software or Ancillary Product, or any portion
thereof becomes the subject of a claim of infringement or misappropriation, OSI
may, at its option and its expense, take any of the following steps so that
BISYS' use is not subject to any claim of infringement or misappropriation and
BISYS is provided with functionally equivalent software to the reasonable

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satisfaction of BISYS, provided that BISYS' use of the Licensed Software or
Ancillary Product conforms with the provisions of the Agreement:

         (i)    procure for BISYS the right to continue using the Licensed
                Software or Ancillary Product; or

         (ii)   replace or modify the infringing portion of the Licensed
                Software or Ancillary Product.

The foregoing obligations of OSI do not apply with respect to software and any
other products or portions or components thereof:

         (i)    which are not the latest available release supplied by OSI to
                BISYS; or

         (ii)   which are combined with other products, processes, hardware or
                materials where the alleged infringement relates to such
                combination, unless OSI has consented in writing to such
                combination or such combination is otherwise authorized,
                permitted or provided for under this Agreement.

THE FOREGOING STATES THE ENTIRE LIABILITY OF OSI WITH RESPECT TO INFRINGEMENT OF
ANY PATENTS, COPYRIGHTS, TRADEMARKS OR MISAPPROPRIATION OF TRADE SECRETS BY THE
LICENSED SOFTWARE, INTERFACES, OR ANCILLARY PRODUCTS OR ANY PARTS THEREOF. NO
COSTS OR EXPENSES SHALL BE INCURRED FOR THE ACCOUNT OF OSI BY BISYS OR ITS
AGENTS WITHOUT THE PRIOR WRITTEN CONSENT OF OSI.

(c)      Indemnification Procedures. The indemnification obligations of this
Section 19 shall not apply to the extent that the Indemnified Persons were
responsible for giving rise to the matter upon which the claim for
indemnification is based, and such obligations are conditioned on the
Indemnifying Party being:

         (i)    promptly notified by the Indemnified Persons of any and all
                threats, claims and proceedings related thereto,

         (ii)   given reasonable assistance and cooperation in the defense of
                the claim by the Indemnified Persons (at the Indemnifying
                Party's sole cost and expense), and

         (iii)  given the opportunity to assume sole control over the defense
                and all negotiations for a settlement or compromise.

The Indemnified Person's failure to promptly give notice shall affect the
Indemnifying Party's indemnification obligation only to the extent its rights
are materially prejudiced by such failure.

The Indemnifying Party shall not enter into any settlement without the
Indemnified Persons' prior written consent, which shall not be unreasonably
withheld.

The Indemnified Persons may participate, at their own expense, in the defense of
an indemnified claim and in any settlement discussions, either directly or
through counsel of its choice. The

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Indemnified Persons shall also have the right to assume the defense and settle
the claim, at the Indemnifying Party's expense, in the event that the
Indemnifying Party, after reasonable written notice, fails to promptly assume or
reasonably pursue such defense.

(d)      The provisions of this Section 19 do not apply to any claim relating to
or arising out of the installation, use, performance, ownership, other rights or
any other claim pertaining to Third Party Software.

20.      Special Covenants.

(a)      Right to Make an Offer upon Third Party Offer. During the Term and any
Renewal Term of this Agreement, BISYS shall have the right to offer to acquire
all the outstanding shares or substantially all the assets of OSI in the event
of a Third Party Offer to acquire all of the outstanding ownership interests in,
or substantially all the assets of, OSI. OSI shall notify BISYS of such offer
and all material terms thereof. For purposes of this Section, a "Third Party
Offer" means a bona fide, written offer from any person or entity with the
demonstrated financial means to purchase all the outstanding ownership interests
in, or substantially all the assets of, OSI on the terms offered, which offer is
acceptable to the Board of Directors of OSI. Once BISYS receives notice of a
Third Party Offer and OSI's notice of intention to duly consider such offer,
BISYS shall have 15 days in which to notify OSI of its intent either to make a
superior offer to acquire all of the outstanding ownership interests in, or
substantially all the assets of, OSI or to decline the opportunity to make an
offer. If BISYS intends to make an offer it shall do so within 30 days of its
notice to OSI. Thereafter, OSI shall consider the BISYS offer prior to
acceptance of any Third Party Offer. The OSI Board of Directors at its
discretion and in accordance with its fiduciary duty will consider and accept
the offer that best benefits OSI's shareholders. BISYS' rights under this
Section 20(a) shall automatically terminate upon completion by OSI of an initial
public offering.

(b)      Board Seat. During the Term and any Renewal Term of this Agreement,
BISYS shall be entitled to nominate a candidate to the Board of Directors of OSI
(or any parent holding company of OSI that may hereafter exist), including any
replacement for such candidate as may be required. The candidate shall be
reasonably acceptable to OSI, and be willing and able to serve subject to all of
OSI's rules, policies and procedures for its directors, generally. OSI agrees to
take steps necessary to cause the nomination of BISYS' approved candidate for
the next election of directors. BISYS' rights under this Section 20(b) shall
automatically terminate upon completion by OSI of an initial public offering.

21.      Termination

(a)      Term. This Agreement and the licenses granted under this Agreement
become effective as of the Effective Date and, unless sooner terminated pursuant
to Section 16 or this Section 21 shall continue in effect until August 31, 2008
(the "Term"). This Agreement may be renewed for one additional successive sixty
(60) month term ("Renewal Term") from the expiration date of the Term on the
terms and conditions set forth in this Agreement, as follows:

         (i)    By mutual written agreement of the Parties;

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         (ii)   By BISYS, if BISYS is not in material breach of this Agreement
                at the time its renewal election is received by OSI and on the
                last day of the Term, or if BISYS has materially breached this
                Agreement, such breach has been cured within the applicable time
                for cure permitted by this Agreement and prior to the time its
                renewal election is received by OSI and the last day of the
                Term. Such election must be made by BISYS in writing and must be
                received by OSI not less than one hundred eighty (180) days
                prior to the expiration of the Term.

         (iii)  If this Agreement is renewed, as to any region for which the
                non-compete has been terminated by either Party pursuant to
                Section 4(b) effective at any time at or prior to the beginning
                of the Renewal Term, (A) the License Fees in respect of the sale
                by BISYS of Licensed Software and Ancillary Products, after
                utilization of any Pre-Paid Licenses that may be carried forward
                for use in the first Annual Measuring Period of the Renewal
                Term, shall be one hundred percent (100%) (rather than 75%) of
                the applicable List Price for all Customer Licensee Fees payable
                by BISYS to OSI pursuant to Section 8(c)(i)(3) and the Higher
                Level License Fees payable by BISYS to OSI pursuant to Section
                8(c)(ii)(3) in each case with respect to Customer Agreements and
                agreements with Customers and TotalPlus Customers for
                sale/license of Ancillary Products, in each case with a first
                effective date on or after the first day of the Renewal Term,
                and (B) the Maintenance Fees provided for in Section
                8(d)(iii)(3) shall apply to Customer Agreements of Customers in
                such region during such Renewal Term.

(b)      Termination Conditions.  This Agreement shall terminate upon:

         (i)    Written agreement of the Parties to terminate this Agreement;

         (ii)   The effective date of a termination notice given by the
                non-breaching Party to the breaching Party following the failure
                of a breaching Party to cure a material breach within ninety
                (90) days (ten (10) days in the case of all payment obligations)
                following receipt of notice of such breach from the
                non-breaching Party. Without limiting the foregoing, a failure
                by BISYS to meet its payment requirements pursuant to Sections
                8(b) and 8(c), shall constitute a "material breach", but a
                failure by BISYS to meet its minimum sales requirements pursuant
                to Section 4, shall not constitute a "material breach".

         (iii)  A Party (a) becoming or being declared insolvent or bankrupt,
                (b) becoming the subject of, and failing to cause its dismissal
                within 180 days, any proceedings relating to its liquidation,
                insolvency or for the appointment of a receiver or similar
                officer for it, (c) making an assignment for the benefit of all
                or substantially all of its creditors, or (d) entering into an
                agreement for the extension, or readjustment of all or
                substantially all of its obligations, and notice from the other
                Party of its intent to terminate this Agreement as of the date
                set forth in such notice;

         (iv)   Written notice of a Party at any time during the one hundred
                eighty (180) day period following a Change of Control of the
                other Party involving a direct

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                competitor of the notifying Party on not less than 30 days
                written notice; provided that such termination date is a date
                not later than the last day of such 180 day period;

         (v)    Notwithstanding Section 21(b)(ii) above, in the case of a breach
                of Section 16, the effective date of a termination notice given
                by the non-breaching Party to the breaching Party following the
                failure of a breaching Party to cure the breach within five (5)
                days following receipt of notice of such breach from the
                non-breaching Party; provided that such termination may be
                immediate and without opportunity for cure if the non-breaching
                Party determines in its discretion, and so notifies the
                breaching Party, that the damaged caused by the breach cannot be
                cured or reasonably mitigated.

(c)      Duties Upon Termination. Following termination of this Agreement, the
Parties shall continue to perform their respective payment and support
obligations under Sections 8 and 9 hereof which obligations shall survive the
termination of this Agreement to the extent provided in such Sections. OSI shall
provide post-closing maintenance support services and updates of Master Copies
as required by Section 9(d).

22.      Dispute Resolution.

(a)      Any controversy or claim arising out of or relating to this Agreement
or the breach thereof shall be settled by arbitration before three (3)
arbitrators in accordance with the Rules of the American Arbitration Association
("AAA") then in effect, and judgment upon the award rendered by the arbitrators
may be entered in any court having jurisdiction. Any such arbitration shall be
conducted in Hartford, Connecticut. The arbitrators shall be selected from a
panel of persons having experience with and knowledge of electronic computers
and the computer business, and at least one of the arbitrators selected shall be
an attorney.

(b)      The arbitrators shall have no authority to award punitive damages and
may not, in any event, make any ruling, finding or award that does not conform
to the terms and conditions of this Agreement.

(c)      Either Party, before or during any arbitration, may apply to a court
having jurisdiction for a temporary restraining order or preliminary or
permanent injunction where such relief is necessary to protect its interests
including, without limitation, to a threatened or actual violation of Section
16.

(d)      Neither Party nor the arbitrators may disclose the existence or results
of any arbitration hereunder without the prior written consent of both Parties.

(e)      Prior to initiation of arbitration or any form of legal or equitable
proceeding permitted by this Agreement, the aggrieved Party shall give the other
Party at least thirty (30) days prior written notice describing the claim and
amount as to which it intends to initiate action, provided that nothing
contained herein shall prohibit either Party from immediately seeking equitable
relief to enforce any provision of this Agreement from a court of competent
jurisdiction under such circumstances as that Party's interests hereunder and
its property will be otherwise

Confidential

                                                                   Page 30 of 75

<PAGE>

comprised including, but not limited to a violation or threatened violation of
Section 16 of this Agreement.

23.      Assignment.

Except as specifically stated in this Agreement with regard to Change in
Control, neither this Agreement nor any of the rights, interests or obligations
of any Party hereunder shall be assigned or delegated by either Party hereto
without the prior written consent of the other. Such consent shall not be
withheld unreasonably. Any unauthorized assignment or delegation shall be null
and void.

24.      General.

(a)      Notices. Any notice provided pursuant to this Agreement shall be in
writing and shall be deemed given (i) if by hand delivery, upon receipt thereof;
(ii) if mailed, three (3) days after deposit in the United States mails, postage
prepaid, certified mail return receipt requested, or (iii) if sent via overnight
courier upon receipt.

IF TO BISYS:

President
BISYS, Inc.
90 Park Avenue
New York, New York 10016

With copies to:
General Counsel
BISYS, Inc.
90 Park Avenue
New York, New York 10016

IF TO OSI:

Chief Executive Officer
Open Solutions, Inc.
300 Winding Brook Drive
Glastonbury, CT

With copies to:
John Kreitler, Esq.
Shipman & Goodwin LLP
One American Row
Hartford, CT 06103

(b)      Binding Agreement.  This Agreement shall be binding upon and inure to
the benefit of the Parties, their successors and permitted assigns.

Confidential

                                                                   Page 31 of 75

<PAGE>

(c)      Governing law and Venue.  This Agreement and performance hereunder
shall be governed by the laws of the State of Connecticut without regard to
conflicts of law.

(d)      Force Majeure. Except for BISYS' payment obligations to OSI, neither
Party shall be liable for delay or failure to perform any of its obligations
hereunder to the extent that such delay or failure arises and all times shall be
considered extended for a period of time equal to the time lost because of such
delay or failure.

(e)      Severability. If any provision of this Agreement shall be held to be
invalid, illegal or unenforceable by a court of competent jurisdiction, the
validity, legality and enforceability of the remaining provisions shall in no
way be affected or impaired thereby.

(f)      Remedies.  The rights and remedies of the Parties set forth in this
Agreement are not exclusive and are in addition to any other rights and remedies
available to them in law or in equity.

(g)      No Waiver. The waiver or failure of any Party to exercise any right
provided for herein shall not be deemed a waiver of any further right hereunder.

(h)      Independent Contractors. The Parties shall at all times be independent
contractors with respect to each other in carrying out this Agreement.

(i)      Headings. Headings used in this Agreement are for reference only and
shall not be deemed a part of this Agreement.

(j)      Survival. BISYS's payment obligations under Section 8, OSI's
maintenance support obligations under Section 9, the obligations under Sections
13 and 16, the obligations under any other Section which, by their express terms
survive, and the provisions of this Agreement relating to warranties,
limitations of liability, indemnification, choice of law and dispute resolution,
shall all survive the expiration, termination or cancellation of this Agreement
until fully performed or no longer applicable.

(k)      Taxes. The System licensed hereunder to BISYS is to provide data
processing services to Customers. If any tax should be imposed on OSI as a
result of this Agreement, BISYS shall either bear such tax by a direct payment
to the taxing authority or shall reimburse OSI for such tax. BISYS shall be
responsible for any applicable customs and duties related to its licensing of
the System or its provision of Outsourcing Services to Customers.

(l)      Entire Agreement. This Agreement amends, restates, replaces and
supersedes the Original Agreement and the Sound Agreement in its and their
entirety. All rights and obligations of the parties under the Original Agreement
and Sound Agreement shall be governed solely and exclusively by this Agreement.
Accordingly, this Agreement constitutes the complete understanding and agreement
of the parties with respect to the subject matter hereof and of the Original
Agreement and the Sound Agreement, and supersedes any and all prior
understandings, agreements, covenants, statements, negotiations between the
parties, whether oral or otherwise,

Confidential

                                                                   Page 32 of 75

<PAGE>

including, but not limited to the Original Agreement and the Sound Agreement.
This Agreement may not be modified except by a writing subscribed to by both
parties.

               [The Remainder of This Page Is Intentionally Blank]

Confidential

                                                                   Page 33 of 75

<PAGE>

IN WITNESS WHEREOF, the Parties have executed this Agreement by their duly
authorized representatives as of the date first set forth above.

OPEN SOLUTIONS INC.                                 BISYS INC.

By /s/Louis Hernandez, Jr.                          By /s/William W. Neville
   -----------------------                             ----------------------

Name  Louis Hernandez, Jr.                          Name  William W. Neville

Its   President & CEO                               Its   President

Solely for purposes of the agreements stated in
Section 24(l) relating to the Sound Agreement:
SOUND SOFTWARE DEVELOPMENT, INC.

By /s/Carl D. Blandino
   ----------------------------------------

Name  Carl D. Blandino

Its   VP & CFO

Confidential

                                                                   Page 34 of 75

<PAGE>

                        LIST OF SCHEDULES AND APPENDICES

SCHEDULE 1.1  -  ANCILLARY PRODUCTS
SCHEDULE 1.11 -  LICENSED SOFTWARE
SCHEDULE 1.12 -  LIST PRICE
SCHEDULE 1.17 -  TERRITORY
SCHEDULE 4    -  MINIMUM SALES REQUIREMENTS
SCHEDULE 6(g) -  LEAD REFERRAL FORM/COMMISSION SCHEDULE
SCHEDULE 9(b) -  SUPPORT TERMS AND CONDITIONS
SCHEDULE 12   -  PRODUCT DEVELOPMENT RESOURCES

Confidential

                                                                   Page 35 of 75
<PAGE>
SCHEDULE  1.1 -- ANCILLARY PRODUCTS

Ancillary products include:

         -     cView

         -     eCB - Technology Outsourcing Center (TOC) (a service, not a
               licensed software product)

         -     Sound Software loan origination for consumer, mortgage and
               commercial

         -     FTI which includes General Ledger, Accounts Payable, Fixed Asset
               and Profit Vision

This Schedule includes the List Prices for the Ancillary Products (references to
the "License Fees" in this Schedule are to the license fees charged to the
customer, not the "License Fees" defined in the Agreement as payable by BISYS to
OSI).

Note that annual maintenance fees apply to all Ancillary Products that are
licensed software products. Implementation, service and training fees will not
be discounted by OSI and will be charged to BISYS by OSI if the services are
performed at BISYS request.

1.       cVIEW

                            cVIEW LICENSE FEES

<TABLE>
<CAPTION>
                      **                                      ** -       ** -     ** -
Asset Size       MILLION  ** - **     ** - **    ** - **      **         **       **       **-**        **-**
<S>              <C>      <C>        <C>        <C>         <C>      <C>      <C>      <C>   <C>    <C>
MARKET VISION         **        **         **         **         **       **       **         **           **
W/ MY VISION*
---------------------------------------------------------------------------------------------------------------
  MY VISION           **        **         **         **         **       **       **         **           **
---------------------------------------------------------------------------------------------------------------
REPORT WIZARD         **        **         **         **         **       **       **         **           **
W/ MY VISION*
---------------------------------------------------------------------------------------------------------------
  ACTIVITY
MANAGER W/ MY         **        **         **         **         **       **       **         **           **
  VISION*
---------------------------------------------------------------------------------------------------------------
 DYNAMIC
MESSAGING             **        **         **         **         **       **       **         **           **
 MANAGER
---------------------------------------------------------------------------------------------------------------
TOTAL (INCLUDES
SINGLE COPY OF        **        **         **         **         **       **       **         **           **
  MY VISION)
</TABLE>

Confidential

                                                                   Page 36 of 75
<PAGE>

Notes:

         -     Core Reporting with Report Wizard - Includes selected Pre-written
               Reports and simplified Warehouse (Infocenter) definitions as well
               as selected core views.

         -     Market Vision and/or Activity Manager with Report Wizard -
               Includes selected Pre-written Reports and simplified database
               definitions.

         -     The individual fees for Market Vision, Report Wizard and Activity
               Manager. Each includes the fee for My Vision. If you are
               combining some of these modules, My Vision License Fee should
               only be included in the total once.

                            C-VIEW INSTALLATION FEES

STANDARD IMPLEMENTATION

MY VISION, MARKET VISION, REPORT WIZARD, ACTIVITY MANAGER, DYNAMIC MESSAGING

<TABLE>
<S>                                                                               <C>
HARDWARE SPECIFICATION ASSIST. & SOFTWARE INSTALL. ON NEW OR EXISTING SERVERS:    $    **

TRAINING ASSISTANCE AND DOCUMENTATION TO INCLUDE 4 DAYS ONSIGHT TRAINING          $    **

Classroom theory and understanding of the applications Defining the environment
and needs of each group Hands on set up of My Vision Portal, up to 25 Users, 5
Channels, Campaigns, etc.
Set up of five to ten custom views with Query Builder and Report Wizard
Set up Links with Activity Manager and Market Vision

SET UP DYNAMIC MESSAGING                                                          $    **
Process review and definition and establishment of parameters
Definitions and set up of:
           Positive/passive message push
           Internal message push requirements
           Message categories and conditions
           Points of contact
           Reporting and management information requirements

                                                    TOTAL                         $    **
</TABLE>

Confidential
                                                                   Page 37 of 75

<PAGE>

<TABLE>
<S>                                                                                <C>
HARDWARE SPECIFICATION ASSISTANCE & SOFTWARE INSTALL. ON NEW OR EXISTING
SERVERS:
TRAINING ASSISTANCE AND DOCUMENTATION TO INCLUDE
2.5 DAYS ONSIGHT TRAINING                                                          $   **
Classroom theory and understanding of the application
Defining the environment and needs of each group
Hands on set up of My Vision Portal, Users, Query Builder and Report Manager
Set up of five to ten custom views with Report Wizard

                                                    TOTAL                          $   **

HARDWARE SPEC. ASSISTANCE & SOFTWARE INSTALL. ON NEW OR EXISTING SERVERS:          $   **

TRAINING ASSISTANCE AND DOCUMENTATION TO INCLUDE 2 DAYS TRAINING                   $   **
Classroom theory and understanding of the applications
Defining the environment and needs of key users
Set up Links with Data Sources and Market Vision

                                                    TOTAL                          $   **
</TABLE>

Confidential

                                                                   Page 38 of 75

<PAGE>

STANDARD IMPLEMENTATION
ACTIVITY MANAGER

<TABLE>
<S>                                                                                <C>
HARDWARE SPECIFICATION ASSISTANCE & SOFTWARE INSTALL. ON NEW OR EXISTING SERVERS:  $   **

TRAINING ASSISTANCE AND DOCUMENTATION TO INCLUDE 2 DAYS TRAINING                   $   **
Classroom theory and understanding of the applications
Defining the environment and needs of key using groups
Set up Links with key processes, data sources and Activity Manager

                                                    TOTAL                          $   **
</TABLE>

Note that for all cView installations for the total suite or purchases of
individual modules, OSI does a physical install and balancing of the tables or
database on the servers. This typically takes two days onsite with a fee of
$ ** plus staff travel expenses.

Confidential

                                                                   Page 39 of 75
<PAGE>

2. TECHNOLOGY OUTSOURCING CENTER (TOC) INSTALLATIONS

This is a service and not a licensed software product. The service is provided
for a monthly fee and the List Prices for the TOC services are set forth below.
See Section 8 of the Agreement for the applicable discounted fee payable by
BISYS. Fees for implementation services are charged separately and are not
discounted.

Monthly Fees for e-Commerce Banker Suite Packages, Standalone and Add-On Modules

<TABLE>
<CAPTION>
                                                       e-COMMERCE BANKER: BUSINESS
                              -------------------------------------------------------------------------------
                                      STANDALONE MODULES           SUITE        ADD-ON BUSINESS MODULES
                              -------------------------------------------------------------------------------

                   CONSUMER                                       Business                           Returned
ASSET SIZE IN       SUITE      Balance      ACH         Wire       Suite    Positive  Intra-Day        Items
  MILLIONS          PACKAGE   Reporting  Origination  Initiation   Package     Pay    Reporting      Reporting
--------------------------------------------------------------------------------------------------------------
<S>                <C>        <C>        <C>          <C>        <C>        <C>       <C>           <C>
Standard Theme(1)  $      **   $     **    $    **     $     **  $      **   $    **    $    **       $    **
Setup Fees
--------------------------------------------------------------------------------------------------------------
Branded Theme(2)   $      **   $     **    $    **     $     **  $      **   $    **    $    **       $    **
Setup Fees
--------------------------------------------------------------------------------------------------------------
Custom Theme(3)    $      **   $     **    $    **     $     **  $      **   $    **    $    **       $    **
Setup Fees
--------------------------------------------------------------------------------------------------------------
$[**]  -  $[**]    $      **   $     **    $    **     $     **  $      **   $    **    $    **       $    **
Asset  Size
--------------------------------------------------------------------------------------------------------------
$[**] - $[**]      $      **   $     **    $    **     $     **  $      **   $    **    $    **       $    **
 Asset Size
--------------------------------------------------------------------------------------------------------------
$[**] - $[**]      $      **   $     **    $    **     $     **  $      **   $    **    $    **       $    **
 Asset Size
--------------------------------------------------------------------------------------------------------------
$[**] - $[**]      $      **   $     **    $    **     $     **  $      **   $    **    $    **       $    **
 Asset Size
--------------------------------------------------------------------------------------------------------------
$[**] - $[**]      $      **   $     **    $    **     $     **  $      **   $    **    $    **       $    **
 Asset Size
--------------------------------------------------------------------------------------------------------------
$[**] - $[**]      $      **   $     **    $    **     $     **  $      **   $    **    $    **       $    **
 Asset Size
--------------------------------------------------------------------------------------------------------------
$[**] - $[**]      $      **   $     **    $    **     $     **  $      **   $    **    $    **       $    **
 Asset Size
--------------------------------------------------------------------------------------------------------------
  $[**]            $      **   $     **    $    **     $     **  $      **   $    **    $    **       $    **
Asset Size
--------------------------------------------------------------------------------------------------------------
</TABLE>

1.   Business Suite Package only includes Balance Reporting, ACH Origination,
     and Wire Initiation.

     Positive Pay is always an Add-On module to any e-CB Standalone Module or
     the Business Suite Package.

     Intra-Day and Returned Items Reporting are always add-on modules with
     e-Commerce Banker; Balance Reporting.

--------

(1)  Standard Theme includes choice of one of six templates with logo
     replacement.

(2)  Branded Theme includes choice of one of six templates with color branding
     and logo replacement.

(3)  Custom Theme is by quote

Confidential

                                                                   Page 40 of 75

<PAGE>

Additional Transaction and Balance Retention Fees

Financial institutions can choose to extend the period which Transaction and
Balance History are made available to end users through e-Commerce Banker. The
standard retention periods are 6 months for the Consumer Suite only and 13
months for the Business Suite only or for the Consumer and Business Suites
combined.

         -     Additional Retention available in blocks of 3 months.

         -     Fees are [**]% of the combined TOC charge for all modules in use
               for each 3-month block added.

Implementation Fees include:

-  Selected Theme Option                     -  Weekly Project Planning Meetings

-  e-Commerce Banker Set-up                  -  Database Configuration

-  Test Data Base for Implementation Period  -  Operational Phone Training

-  Functional and Operational Documentation  -  Installation and set-up
                                                of the Software on TOC server

-  Screen Cam

-  90 Days of Transaction History Loaded from Core

TOC Hardware and Telecommunications Fees

e-Commerce Banker implementation in the TOC requires the FI to purchase high
speed telecommunication services and router hardware. Telecommunication fees are
based on FI location, potential usage and line availability in the area where
the FI resides. The router is required to facilitate production and testing
environments of the e-CB product.

Telecommunications required for TOC implementation, testing and production
include:

   -     High Speed Line - for production database

   -     IDSN - for emergency backup and testing

OSI is required to procure high speed telecommunications and router equipment
for the FI. TO OBTAIN PRICING FOR TELECOMMUNICATIONS AND ROUTER EQUIPMENT,
COMPLETE THE TOC TELECOM REQUEST FOR SERVICING WORKSHEET AND SUBMIT TO THE OPEN
SOLUTIONS TOC. PLEASE NOTE THAT TIMELINES BETWEEN PROPOSALS AND ACTUAL EQUIPMENT
PURCHASE MAY CAUSE THE COST TO FLUCTUATE. THE CHARGE IS A PASS THROUGH CHARGE
OVER WHICH WE HAVE NO CONTROL. THIS LINE ITEM IN YOUR PROPOSAL SHOULD BE LISTED
AS AN "ESTIMATE".

TOC Test System Support

Specifics to be determined. This will need to be a special quote until defined,
is based on a percentage of the monthly TOC fee.

Confidential

                                                                   Page 41 of 75
<PAGE>

TECHNOLOGY OUTSOURCE CENTER (TOC) - e-Statement - Print File Server Management
for Core TOC FI's

<TABLE>
<CAPTION>
                           TOC
                       MONTHLY FEES
NUMBER OF DDA          ------------
  ACCOUNTS             e-Statements
-------------          ------------
<S>                    <C>
     0 -  5,000           $   **
 5,000 -  10,000          $   **
10,000 -  15,000          $   **
15,000 -  20,000          $   **
20,000 -  15,000          $   **
25,000 -  30,000          $   **
35,000 -  40,000          $   **
45,000 -  50,000          $   **
50,000 +                      **
</TABLE>

This fee is only applied to installations where Core and e-CB are in the TOC.
All other installations of the e-Statement product require the FI to install the
e-Statement server in the same facility as their core system.

This fee will be reviewed and adjusted annually based on number of potential
e-Statement accounts available for the service.

QUICKEN, WEB CONNECT

The Previous 2 year versions of Quicken and QuickBooks can be supported through
Web Connect for an additional annual fee as listed below. Mac and PC versions
supported.

<TABLE>
<CAPTION>
                 CURRENT VERSION QUICKEN ANNUAL FEES
ASSET SIZE IN    -----------------------------------
  MILLIONS        2003     2004     2005     3 Year
--------------   ------   ------   ------   --------
<S>              <C>      <C>      <C>      <C>
$  * -  $  *     $   **   $   **   $   **   $    **
$  * -  $  *     $   **   $   **   $   **   $    **
$  * -  $  *     $   **   $   **   $   **   $    **
$  * +           $   **   $   **   $   **   $    **
</TABLE>

Confidential

                                                                   Page 42 of 75

<PAGE>

QUICKBOOKS, WEB CONNECT AVAILABLE FOR PC BASED VERSIONS ONLY.

<TABLE>
<CAPTION>
                CURRENT VERSION QUICK BOOKS ANNUAL FEES
ASSET SIZE IN   ---------------------------------------
  MILLIONS       2003      2004      2005      3 Year
-------------------------------------------------------
<S>             <C>       <C>       <C>       <C>
$ ** -  $ **    $   **   $   **   $   **   $    **
$ ** -  $ **    $   **   $   **   $   **   $    **
$ ** -  $ **    $   **   $   **   $   **   $    **
$ ** +          $   **   $   **   $   **   $    **
</TABLE>

MIDDLEWARE APPLICATIONS

<TABLE>
<CAPTION>
         MIDDLEWARE APPLICATIONS                        LICENSE FEE
<S>                                                     <C>
QBT MultiPoint(TM) (For Online TCBS/e-CB)*                 $  **
</TABLE>

*Online interfaces require the QBT Multipoint(TM) middleware application for
in-house installations Hardware not included.

**This cost becomes $ ** when Online ATM is previously installed using the
current QBT Multipoint(TM) product.

DATA CONVERSION

Any financial institution converting from an existing provider of Internet
banking, cash management, and/or bill payment services may require a data
conversion. Conversion Scope includes, Current Customer Profiles, Payees, Payee
Authority, and two Cuts of Test Data.

Customer Information Conversion Fee...$ **

Bill Payments Data Conversion Fee (PEC and In-House Check Print Only)...$12,500

3. SOUND SOFTWARE (LOAN ORIGINATION)

<TABLE>
<CAPTION>
                  Product Description                                        Unit Price Qty  One Time Cost  Annual cost
-----------------------------------------------------------------------------------------------------------------------
<S>                                                                          <C>             <C>            <C>
 MORTGAGE MANAGEMENT SYSTEM FOR WINDOWS
                  Base System                                                  $   **         $             $

                  Includes Census tract, Credit Bureau, and Flood Uplink to
                  currently interfaced vendors
 WIDE AREA NETWORK PROCESSING (BRANCH LOCATIONS)
                  1st copy (in addition to Base System Site)                   $   **         $             $
                  Copies 2-5                                                   $   **         $             $
                  Copies 6+                                                    $   **         $             $
 OTHER MODULES
                  Internet Application Import                                  $   **         $             $
                  MI Company Interface (eMagic included in base price)         $   **         $    -        $    -
                  CRA Wiz Uplink                                               $   **         $    -        $    -
</TABLE>

Confidential

                                                                   Page 43 of 75

<PAGE>

<TABLE>
<S>                                                                          <C>                 <C>           <C>
                  Remote Origination System
                   1st copy                                                    $       **        $    -        $    -
                   Copies 2-5                                                  $       **        $    -        $    -
                   Copies 6 +                                                  $       **        $    -        $    -
                  FHA/VA Processing System                                     $       **        $    -        $    -
                  Closing (Conventional)                                       $       **        $             $
                     With FHA/VA documents, additional                         $       **        $    -        $    -
                  Host Servicing Uplink                                        $       **        $             $
 AUTOMATED UNDERWRITING SYSTEMS
                  Fannie Mae Desktop Underwriter Uplink                        $       **        $             $
                   additional copies available at a discounted price                             $    -        $    -
                  Freddie Mac Loan Prospector Uplink                           $       **        $             $
                   additional copies available at a discounted price                             $    -        $    -
                  Software Subtotal                                                              $             $
                  Installation & Training + M&R per day*
                   2 days minimum on site training                             $       **        $
                  Software Customization Fee                                   $       **        $

                  TOTAL FOR MORTGAGE SOFTWARE AND INSTALLATION                                   $

</TABLE>

***** Above pricing does not include the Laser forms which are contracted from
BSI or Greatland forms. Ask your Sound Software rep for contact information.

**Above pricing does not include County Lookup Files for Census Tract which are
provided by PCi Services. Contact Jennifer Moughalian 617-535-3000.

Confidential

                                                                   Page 44 of 75

<PAGE>

                COMMERCIAL DOCUMENTER SOFTWARE
                NOTE: LICENSE COSTS FOR ALL ITEMS (EXCEPT TRAINING) ARE ANNUAL

<TABLE>
<CAPTION>
WTD COMMERCIAL PORTFOLIO SIZE
($MILLIONS) [1]                       CONSTANT
                                      PRICE        $**-$**  $**-$ **  $ **-$ **  $  **-$   **  $  **-$    **         $  * *- $  **
-----------------------------------------------------------------------------------------------------------------------------------
<S>                                   <C>         <C>       <C>       <C>          <C>             <C>              <C>
Est. Corresponding Total Assets                   $0 -$.**  $ .*-$**   $     **       $     **      $      **        $          **
Base License (incl. 1 user)                       $     **  $  **      $     **       $     **      $      **        $          **
Cost of Additional Concurrent User
[2]                                   $  **
Typical range of concurrent users
& corres. Price:
Start:                                                   1         2          4              6             12                   22
Start Price:                                      $     **  $     **   $     **       $     **      $      **        $          **
End:                                                     3         5          8             15             30                   60
End Price:                                        $     **  $     **   $     **       $     **      $      **        $          **
* Actual # of  concurrent users                          3         2          5             20             18                   30
Cost of Total Licenses                            $     **  $     **   $     **       $     **      $      **        $          **
Front-end link [3]                                $     **  $     **   $     **       $     **      $      **        $          **
Back-end link [4]                                 $     **  $     **   $     **       $     **      $      **        $          **
Specialty Lending Modules (indep
of # of users)
SBA Lending                                       $     **  $     **   $     **       $     **      $      **

Additional Functional Modules
(indep of # of users)

* Annual Excess Support per
person [5]                            $  **
Training [6]                                               $     **   $     **       $     **      $      **
* Excess/ refresher Training per
person [5]    $  [**]
</TABLE>

<PAGE>

1 From Call Report or TFR: C&I + CRE (weighted at [**]%)

2 Concurrent User. This is used to back prospect into what they can afford.
Outside Counsel cost is treated same as additional concurrent user (however they
still need to sign the separate outside counsel's license) . We eliminated
automatic lockouts but we do monitor usage and will charge if above threshold
for so many times/ month.

3 Front-end interface link would be automatic feed from an origination system

4 Backend interface link would be automatic feed to core accounting system. If
requirement is to sync relationship data as well add $[**] (for one-time dump
of relationship data into Documenter add $[**] one-time).

5 Cost of additional training & support if for more than 1.5x concurrent users.
Training is always one-time cost.

6 Training is for 1.5x # of concurrent licenses and includes out of pocket costs
for onsite. If done at PCi facilities then $[**] up to a group of 11 presuming
the total to be trained is less than or equal to 1.5x the number of concurrent
users (rounded up). Web training is used for distant small banks or any group of
3 can choose this for $[**]. Refresher training is the same price, as initial
Training except smallest bank must pay $[**] as well.
<PAGE>

<TABLE>
<CAPTION>
                              Product Description                                Unit Price   Qty   One Time Cost
                              -------------------                                ----------   ---   -------------
<S>                                                                              <C>          <C>   <C>
CONSUMER LOAN MANAGEMENT SYSTEM
            Base System -  Multi-User                                            $       **              $

            Includes Census tract, Credit Bureau, and Flood Uplink to
            currently interfaced vendors
WIDE AREA NETWORK PROCESSING
            1st copy (in addition to Base System Site)                           $       **              $
            Copies 2-5                                                           $       **              $
            Copies 6+                                                            $       **              $

            Internet Application Import                                          $       **              $
            Fair Issac Interface                                                 $       **              $

            Mainframe Uplink - First Copy  Multi-User - OTLF                     $       **              $
            Software Subtotal                                                                            $
            Installation & Training + M&R per day*                               $       **              $
                       2 days minimum at Bank
            Software Customization Fee                                           $       **              $

            TOTAL FOR CONSUMER                                                                           $
</TABLE>

* Above pricing does not include the Laser forms,  which are contracted from BSI
or Greatland forms. Ask your Sound Software rep for contact information.

**Above  pricing does not include  County Lookup Files for Census Tract that are
provided by PCi Services.

Confidential

                                                                   Page 47 of 75

<PAGE>

2. FTI
ACCOUNTS PAYABLE
LICENSE

<TABLE>
<CAPTION>
                               ASSETS < $150M     ASSETS < $500M     ASSETS < $999M      ASSETS > $1B
<S>                            <C>                <C>                <C>                 <C>
Base System                       $   **              $   **             $   **             $   **
Simultaneous User
Access                            $   **              $   **             $   **             $   **
Automated Clearing
House                             $   **              $   **             $   **             $   **
Total all modules                 $   **              $   **             $   **             $   **
</TABLE>

<TABLE>
<CAPTION>
       TRAINING                      DURATION
<S>                                  <C>
On-Site User Training                 1 day

Web-Based Training                    1/2 day
</TABLE>

FTI FIXED ASSETS
License

<TABLE>
<CAPTION>
                               ASSETS < or = $ **      ASSETS < $ **      ASSETS < $ **    ASSETS > $ **
<S>                            <C>                      <C>                 <C>               <C>
Base Syste                         $   **              $   **             $   **             $   **
Simultaneous User Access           $   **              $   **             $   **             $   **
Total all modules                  $   **              $   **             $   **             $   **
</TABLE>

<TABLE>
<CAPTION>
       TRAINING                          DURATION                           FEE
                                         --------                           ---
<S>                                      <C>                <C>
On-Site User Training                     1 day             $ *** plus travel expenses
                                                            On-site training is limited to eight
students
</TABLE>

Confidential

                                                                   Page 48 of 75

<PAGE>

Services

<TABLE>
<CAPTION>
                                                             ESTIMATED       ESTIMATED
                                              RATE           DURATION           FEE*
                                              ----           --------           ----
<S>                                         <C>              <C>             <C>
Programming Services for Data Conversion    $ **/hour         6 hours          $  **
Setup and Implementation Assistance         $ **/hour         6 hours          $  **
</TABLE>

*Actual time in excess of the estimates will be invoiced at the calculated
hourly rate.

FTI GENERAL LEDGER
License

<TABLE>
<CAPTION>
                                ASSETS < $150M          ASSETS < $500M           ASSETS < $999M             ASSETS > $1B
                                    LICENSE                 LICENSE                  LICENSE                  LICENSE
<S>                             <C>                     <C>                      <C>                        <C>
Base System                         $    **                 $    **                  $    **                  $    **
(Includes Report Designer)
Simultaneous User Access            $    **                 $    **                  $    **                  $    **
Multiple Department Rollup          $    **                 $    **                  $    **                  $    **
Multiple Inst. Consolidation        $    **                 $    **                  $    **                  $    **
Advanced Report Writer              $    **                 $    **                  $    **                  $    **

Total All Options                   $    **                 $    **                  $    **                  $    **
</TABLE>

TRAINING

<TABLE>
<CAPTION>
                       DURATION                                               FEE
                       --------                                               ---
<S>                                                          <C>
On-Site User Training 2 days - GL                            $  ** plus travel and living expenses

Note that On-site training is limited to eight students

Adv. Report Writer           1 day                           $  ** plus travel and living expenses
</TABLE>

Confidential

                                                                   Page 49 of 75

<PAGE>

SERVICES (ESTIMATES ONLY)

<TABLE>
<CAPTION>
                                                             ESTIMATED
                                                       RATE           DURATION             FEE*
                                                       ----           --------             ----
<S>                                                  <C>              <C>                 <C>
Programming Services for GL Data Conversion          $ **/hour         6 hours            $  **
Programming Services for Adv. Report Writer          $ **/hour         6 hours            $  **
Programming Services for JE Conversion               $ **/hour         2 hours            $  **
Setup and Implementation Assistance                  $ **/hour         6 hours            $  **
Adv. Report Writer Report Building                   $ **/hour         6 hours            $  **
</TABLE>

*Actual time in excess of the estimates will be invoiced at the calculated
hourly rate.

Confidential

                                                                   Page 50 of 75

<PAGE>

PROFIT VISION

<TABLE>
<CAPTION>
                   LICENSE
ASSET SIZE           FEES      MAINTENANCE          IMPLEMENTATION/TRAINING        ESTIMATED TOTAL
----------           ----      -----------          -----------------------        ---------------
<S>                <C>         <C>                  <C>                            <C>
$   **             $    **       $   **                    $    **                     $    **
$   **             $    **       $   **                    $    **                     $    **
$   **             $    **       $   **                    $    **                     $    **
$   **             $    **       $   **                    $    **                     $    **
</TABLE>

Note: The above examples assume (1) FTI is delivering Product and Organizational
Profitability Reporting, (2) Funds Transfer Pricing and Rules-Based Cost
Allocations using FTI's templates are in use.

4. ITEM PROCESSING

BISYS shall use Open Solutions' Simsbury item processing facility as its
preferred facility in this geography. Fees will be quoted by OSI on a
case-by-case basis.

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                                                                   Page 51 of 75

<PAGE>

SCHEULDE 1.11- OSI LICENSED SOFTWARE

THE COMPLETE BANKING SOLUTION:

- Customer Service Representative    - Teller
- Batch Manager                      - Notes
- Loan CSR                           - Batch Server
- Loan Monetary                      - Systems Operations
- Loan Escrow                        - Bank Operations
- Branch Operations                  - File Manager
- IRS Manager                        - On-line Help
- Product Manager                    - Dealer Reserve
- On Demand Reporting                - Lease Security
- Employee Tickler System
- ACH Origination
- Real-time / Memo Post Plus transaction posting options
- COLD Storage OSI Standard Interface
- Pricing Manager
- Print Operations

- Item Processing
         OSI Standard In-clearing file (Standard Fed Format)
         OSI Standard Exception File
         OSI Standard Daily Cycle File
         OSI Standard Statement Cycle file

- G/L Standard Interface - FTI included

THE COMPLETE COMMERCIAL BANKING SOLUTION: Details about this will be forthcoming
when released by OSI. The targeted dated for this is December 2003.

Confidential

                                                                   Page 52 of 75

<PAGE>

SCHEDULE 1.12 -- 2003 LIST PRICE SCHEDULE

This schedule includes the List Prices for the following:

     -    License fees for TCBS and TCCBS

     -    License fees for optional add-on modules

     -    Interface fees

     -    Third Party Software fees

All references to the "License Fees" in this Schedule are to the license fees
charged to the customer, not the "License Fees" defined in the Agreement as
payable by BISYS to OSI)

Note that all license and interface fees exclude annual maintenance. In
addition, associated implementation and training fees will not be discounted by
OSI.

                         LICENSE FEES FOR TCBS AND TCCBS
               (Prices based on the higher of assets or accounts)

<TABLE>
<CAPTION>
      ASSET SIZE OR NUMBER OF ACCOUNTS        LICENSE FEE FOR SYSTEM
<S>                                             <C>
<$ [**]    or  [**]  Accounts                   $  [**]
<$ [**]    or  [**]  Accounts                   $  [**]
<$ [**]    or  [**]  Accounts                   $  [**]
<$ [**]    or  [**]  Accounts                   $  [**]
<$ [**]    or  [**]  Accounts                   $  [**]
<$ [**]    or  [**]  Accounts                   $  [**]
<$ [**]    or  [**]  Accounts                   $  [**]
<$ [**]    or  [**]  Accounts                   $  [**]
<$ [**]    or  [**]  Accounts                   $  [**]
<$ [**]    or  [**]  Accounts                   $  [**]
<$ [**]    or  [**]  Accounts                   $  [**]
<$ [**]    or  [**]  Accounts                   $  [**]
<$ [**]    or  [**]  Accounts                   $  [**]
<$ [**]    or  [**]  Accounts                   $  [**]
<$ [**]    or  [**]  Accounts                   $  [**]
<$ [**]    or  [**]  Accounts                   $  [**]
<$ [**]    or  [**]  Accounts                   $  [**]
<$ [**]    or  [**]  Accounts                   $  [**]
<$ [**]    or  [**]  Accounts                   $  [**]
<$ [**]    or  [**]  Accounts                   $  [**]
<$ [**]    or  [**]  Accounts                   $  [**]
<$ [**]    or  [**]  Accounts                   $  [**]
<$ [**]    or  [**]  Accounts                   $  [**]
<$ [**]    or  [**]  Accounts                   $  [**]
<$ [**]                                      Special Quote
</TABLE>

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                                                                   Page 53 of 75

<PAGE>

                    OPTIONAL OSI ADD-ON SOFTWARE LICENSE FEES

<TABLE>
<CAPTION>
MODULE DESCRIPTION                                                                    FEES
------------------                                                                    ----
<S>                                                 <C>                              <C>
INVESTOR REPORTING
(Secondary Market Management)
                                                    Number of Loans
                                                           0-500                     $ [**]
                                                        501-1500                     $ [**]
                                                       1501-2500                     $ [**]
                                                           2501+                     $ [**]

Includes remittance interfaces to FHLMC (Freddie Mac) loan level & delinquency
reports, FNMA (Fannie Mae) 80 column Interface & delinquency reporting. Training
not included. Please obtain quote from Professional Services

FORWARD SALES SERVICING ADD-ON MODULE TO INVESTOR REPORTING
                                                    Number of Loans
                                                           0-500                     $ [**]
                                                        501-1500                     $ [**]
                                                       1501-2500                     $ [**]
                                                           2501+                     $ [**]

LOAN PARTICIPATION MODULE

            1-500 Participant Agreements                                             $ [**]
          500-1500 Participant Agreements                                            $ [**]
         1501-2500 Participant Agreements                                            $ [**]
         2501+ Participant Agreements                                                $ [**]

  Training is one day @ $[**]/seat

CONSTRUCTION LOAN DISBURSEMENT MANAGEMENT SYSTEM
# Master Loans (A single loan can be made up of many individual projects.)
                                                    Number of Loans
                                                            0-50                     $ [**]
                                                          51-100                     $ [**]
                                                            101+                     $ [**]

Training is one day @ $[**]/seat. Obtain quote from Professional Services
</TABLE>

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                                                                   Page 54 of 75

<PAGE>

SAFE DEPOSIT BOX MODULE

Pricing for Safe Deposit Box Leasing is by branch. Accommodations may be made
for financial institutions that do not have boxes in every branch.

<TABLE>
<CAPTION>
          IN HOUSE LICENSE PRICING
<S>                                                           <C>
Base Price (includes 1 branch)                                $ [**]  (training CD included)
     Price per branch for branches 2-5                        $ [**]
     Price per branch for branches 6 >                        $ [**]
</TABLE>

<TABLE>
<CAPTION>
                PROFESSIONAL SERVICES
<S>                                              <C>           <C>
Data Conversion - based on data source                         Contact Conversions for quote  (Tom Galvin)
Product Set-up Support                           Hourly Rate   Contact Conversions for quote (Tom Galvin)
</TABLE>

<TABLE>
<CAPTION>
            TRAINING MATERIALS
<S>                                                              <C>
Training CD (Per CD)                                             $[**]
*ANNUAL FEES APPLY TO TOTAL LICENSE PRICE.
PER BOX IN INVENTORY ON BILLING DATE
</TABLE>

Open Solutions Asset Collection Management System

<TABLE>
<CAPTION>
                                     ASSET < $[**]     ASSET < $[**]     ASSET < $[**]      ASSET > $[**]
<S>                                  <C>               <C>               <C>                <C>
LICENSE FEE - 3 SEATS/USERS              $ [**]           $ [**]            $ [**]             $ [**]

ORACLE LICENSING FEES                    $ [**]           $ [**]            $ [**]             $ [**]
ADDITIONAL SEATS > 3 @
$[**]/SEAT

         TOTAL ONETIME FEES:             $ [**]           $ [**]            $ [**]             $ [**]
</TABLE>

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                                                                   Page 55 of 75

<PAGE>

ASSET COLLECTION MANAGEMENT SYSTEM REQUIRED TRAINING

OPTION 1: ONSITE TRAINING - To train the users, it would be a one day session
for up to 12 students at $[**]/per day. We would need time for 1/2 prep/setup
for the onsite training. This would be billable at an additional $[**]. This
option price quote is $[**] plus travel expenses.

OPTION 2: TUTORIAL TRAINING GUIDE WITH A FOLLOW-UP LEARN LINC CLASS OVERVIEW -
This session would NOT be hands-on, therefore not as comprehensive. Requirement
would be to review the Tutorial Training Guide prior to attending the LearnLinc
Session. These sessions would be approximately 2 hours each @ $[**] per hour,
with a maximum number of students per session of 6. Client may also want to
consider scheduling an additional hour or two for a follow-up Q&A session. Price
quote is $[**] for each 6 person Learn Linc class, if training were to include
the follow-up QA session, price quote would be $[**].

OPTION 3: TRAINING AT OSI - Client can attend a 1 day session at OSI for the
user training. Price quote is $[**] for a one- day session, may have up to 10
attendees.

Premium Overdraft-

Programs that are assisting financial services organizations in dramatically
increasing overdraft fee revenue have garnered a lot of attention in 2003. Many
consultative companies have brought to market programs that support increasing
overdraft income for financial institutions while addressing the regulatory and
risk management concerns that are attendant in this program. Although the
approaches differ between these trusted third-party advisors, there is one
component that links them all together - automated overdraft pay/no-pay
decisioning. The decision criteria often vary, but the automation of the
pay/no-pay decisions is always accomplished within Open Solutions' core
transactional system.

Many Open Solutions' clients are considering implementing this overdraft fee
enhancement program. Open Solutions highly recommends that its clients seriously
consider retaining the services of a third-party consulting firm to aid them
with their implementation. These types of programs carry inherent risks in the
areas of negative balance losses, regulatory compliance, internal process change
as well as possible implications to customer/member services and public
relations.

Open Solutions has integrated several products with its automated decision
matrix to assist clients in better managing the risk associated with overdrawn
accounts. Our Asset Management Collections System (AMS) imports and reports to
collection managers negative balance deposit accounts, while Dynamic Messaging
Manager provides automated/interactive notification to tellers and customer
service representatives during the very important early stages (< 30 days) of
overdraft condition.

The following components will be standard in OSI's Premium Overdraft Program
offering. Each institution will be able to:

1)   Specify the number of days an account has to be open before it is allowed
     into the program.
          This is set at the product level using a calculation variable. There
          is a setting for consumer accounts and one for business accounts.

2)   Specify the ledger balance amount that an account must have at the time it
     reaches the number of day's parameter.

          This is set by product so different products could have different
          minimum balance criteria. The minimum balance would be used for BOTH
          Business and consumer accounts IF these they are co-mingled in the
          product.

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                                                                   Page 56 of 75

<PAGE>

3)   Exclude an account if it had been NSF within a institution specified number
     of days;
          This is a calculation variable by product so different products could
          have different periods.

4)   Exclude, or inactivate eligibility, for customer/members if they have a
     non-performing loan;

5)   Exclude an account if it does not normally receive deposits on a monthly
     (rolling 30 day) basis that exceed the allowed overdraft dollar amount

6)   Grant the privilege to an account even if it does not meet the "number of
     day's open" criteria as long as the customer/member has another account
     that has been previously been granted the privilege;

7)   Exclude the accounts that employees own or play a "SIGN" role on the
     account;
          This can be turned on or off based on a parameter on the job.

8)   Provide a warning flag on the account when the account is granted the rites
     to the program. Remove the flag when the account is removed from the
     program;

9)   Automatically remove the account from the program after the account reaches
     an institution-specified number of days in overdraft status; This is a
     calculation variable at the product level so different products could have
     different periods.

10)  Provide reports of transactions that were paid via the program;

11)  Create custom overdraft notices for those accounts in the program vs. those
     accounts that are not in the program;

12)  Provide one daily flat file extract to most third-party advisor's
     application systems (e.g. Sheshunoff, Pinnacle, Floyd, etc.)

13)  Automatically reactivate the account (after becoming ineligible) once it
     has been positive for an institution specified number of days. This can be
     turned "OFF" or "ON" as the institution desires.

14)  Allow the institution the ability to have different OD limits for business
     or consumer accounts.

15)  Provide the institution the ability to restrict the program to just
     consumer accounts.

16)  Provide a program that will address updating accounts when the threshold is
     changed on the products.

17)  The institution will have the ability to exclude accounts that are set up
     in a sweep process.

18)  The institution will have the ability to exclude accounts that have draws
     set up on them.

Custom Solutions should be contacted for a fee quote to develop the
auto-decisioning matrix software for a BISYS client.

Confidential

                                                                   Page 57 of 75

<PAGE>

                                 INTERFACE FEES

OSI STANDARD INTERFACES, as listed below in BOLD CHARACTERS, are supported with
each software release and Fees are included when calculating annual support
fees.

Professional Services is a division of OSI that offers customized offerings,
around our core product, to our clients at an hourly rates. Professional
Services are available to manipulate standard interface files or, in some cases,
create new interfaces on a client-by-client basis. These services are priced
separately and such interfaces, or alterations of interfaces, are not supported
on an ongoing basis. (Annual maintenance fees on these services are not
assessed.) Any future changes required to these files/interfaces must be
requested by BISYS, scheduled by Professional Services and billed to the BISYS
Solutions hourly rates.

<TABLE>
<CAPTION>
<S>                                                       <C>
VOICE RESPONSE INTERFACES
Transaction Server Fee:
STANDARD SINGLE CLIENT                                    $ [**]
MULTI CLIENT     SPECIAL QUOTE
</TABLE>

<TABLE>
<CAPTION>
<S>                                                                      <C>
Vendors Currently Supported: Maxxar, Syntellect and TFB
(Technology for Business) Audio-Tel; Centurion, S1/Regency

New vendor certification fee (in addition to Transaction Server Fee)     $[**] per hour
</TABLE>

Note: InterVoice does not maintain a standard and must currently be re-certified
with each installation.

INTERNET RELATED INTERFACES

<TABLE>
<S>                                                               <C>
ECB (REAL-TIME INTERFACE WITH TCBS OR TCCBS) INCLUDED
Quicken/Money "Active Statement" download                         $ [**]

Third Party Internet Provider (batch only)                        $ [**]

EquiFax (Goldleaf), Q-UP, Digital Insight

CASH MANAGEMENT SYSTEMS

ECBII (REAL-TIME INTERFACE WITH TCBS AND TCCBS)   INCLUDED

OSI BANK ON IT (PREVIOUSLY GLOBAL PAYMENT SYSTEM) INCLUDED

Sterling(BAI2)                                                      [**]

LOAN RELATED INTERFACES
STANDARD IBS COLLECTION SYSTEM INTERFACE FILE TO OSI                [**]

(Training and installation is done by IBS and is not included)
</TABLE>

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                                                                   Page 58 of 75

<PAGE>

<TABLE>
<S>                                                               <C>
CREDIT BUREAU              Metro II Format                        $ [**]

SBA 1502 COMPREHENSIVE COLSON REPORTING                           $ [**]

Automated process for SBA reporting
</TABLE>

<TABLE>
<CAPTION>
<S>                                  <C>             <C>          <C>
LOAN ORIGINATION                                                  $ [**]
       Sound Software**              Easy Lender*
       CFI Laser Pro                 Contour         Eastern*
       IA Systems                    ACS Software
</TABLE>

* Use Sound Software specification

** Loan Origination Interface fees for Sound Software only are waived.

Loan Origination Interfaces supported through Lowenstein's Lenderlink:

         Harland Laser Pro           BSI ARTA and Rembrandt Contour

<TABLE>
<CAPTION>
<S>                    <C>           <C>                  <C>
LOAN COUPONS                                              $ [**]

NCP                    Allison       Deluxe

LOAN INSURANCE (Standard Billing and response files)
                                                          $ [**]

SBLI       US Life     Prudential    Katz

LOAN TAXES  -Transamerica `C' Service layout

First American Fidelity                                   $ [**]

INTEGRATED LOAN MANAGEMENT                                $ [**]

Baker Hill - One Point

INVESTOR RELATED INTERFACES

FHLB NY Format                                            $ [**]
FHLB San Francisco     Format                             $ [**]
(Pricing includes Set-up support)
</TABLE>

FINANCE RELATED INTERFACES

<TABLE>
<CAPTION>
GENERAL LEDGER
<S>                                                               <C>
         OSI Standard Interface for OSI FTI GL
         Included

         The following vendors: IPS Sendero, FNS *,
         Dun & Bradstreet (DB), PeopleSoft, Computron, Sanchez
         Great Plains                                             $ [**]
</TABLE>

Confidential

                                                                   Page 59 of 75

<PAGE>

<TABLE>
<CAPTION>
ATM
<S>                                                                         <C>
ATM POSITIVE BALANCE + POSTING FILES (per network/vendor)                   $ [**]

ASSET/LIABILITY
     OSI STANDARD INTERFACE FOR OSI FTI

IPS/SENDERO                                                                 $ [**]

(New Vendor at Custom Solutions' rate $[**] Minimum)

STATE SOCIAL SECURITY MATCHING
FEDERAL FILE FORMAT                                                         $ [**]

Other formats are available at $[**] fee - no maintenance, not supported
New formats at CS rate $[**] minimum

EXTERNAL BANK CHECK RECONCILIATION                                          $ [**]

Travelers Express         American Express

IRS FORMS

OSI STANDARD (MOORE FORMAT)                                                 $ [**]

Utilizing OSI standard:  Moore, ACS

MCIF (MARKETING CENTRAL INFORMATION FILES)                                  $ [**]

Harland-Maxsell (formerly MPI)
Sedona-Intarsia (formerly Axciom or Deluxe Marketwise)
Centrax
Medici
Raddon
(New Vendor at additional Professional Services rates -- $10,000 Minimum)

IMAGE RELATED INTERFACES
ONLINE IMAGE INTERFACE W/TCBS OR TCCBS
Image Statement Printing Interface                                          $ [**]
         OSI/Imagic, Vsoft, Wausau /Wausau w/Web Enabler -
         Optima FX , AFS ACS, DSI
         Others @ Professional Service Rate
         Online Check Image Viewing Interface w/ TCBS and TCCBS
SER Synergy 2000                                                            $ [**]

Onbase - Optima 3 IMS

Core application uses API call through the IIS server.

NEW INTERFACES - Quote provided after documentation review
</TABLE>

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                                                                   Page 60 of 75

<PAGE>

<TABLE>
<CAPTION>
   RECONCILIATION SYSTEM
<S>                                <C>               <C>               <C>
BISYS, Consolidated                                                    $ [**]
         CSF, ACI, S2, etc.
         Elan                      MPS               EDS
         NYCE                      Norwest           Cartel
         Concord EFS               Concord EFS       Fiserv
         Deluxe                    Honor             Star
         Magic-line                Intercept         Trans-alliance
         eFunds
</TABLE>

(Networks may require re-certification activities. These activities are billed
to the client separately at Professional Services Rates.)

<TABLE>
<CAPTION>
<S>               <C>              <C>      <C>      <C>
CAF FILE                                             $ [**]
MPS               NYCE             Fiserv
VISA DPS          EDS              eFunds   Elan
</TABLE>

<TABLE>
<S>                           <C>                 <C>
PLASTIC CARD INTERFACE                                       $ [**]
          Standard Register   Faraday I or II     Personics Shoreline
</TABLE>

<TABLE>
<CAPTION>
MISCELLANEOUS INTERFACES
         CHECK ORDERING INTERFACES - CORE
<S>                       <C>
Less Than $[**]           $ [**] license
$[**]-$[**]               $ [**] license
$[**]-$[**]               $ [**] license
$[**] and above           $ [**] license
</TABLE>

Currently offered for Clarke American or Harland. There may be addition set-up
or usage fees charged by the client's check vendor.

<TABLE>
<CAPTION>
CERTIFIED CASH DISPENSERS
<S>                                                       <C>
(from OSI Certified  List)                                $ [**]
(Plus set-up Fees at Professional Services Rates)
</TABLE>

(Non-Certified Cash dispensers may be utilized at minimum additional price of
$10,000 per terminal type. Cash Dispensers chosen must be included on the Nexus
XSF Connect Cash Dispenser Certified list. Support of Non-Certified Machines are
not included in maintenance. Professional Services may be utilized to recertify
cash dispensers on each release.)

<TABLE>
<CAPTION>
<S>                                                                  <C>
FORMS VENDOR INTERFACE (each)                                        $ [**]
(Deposit/IRA forms only)
BSI               CSI              UPI               ABS
Formats not listed above must be quoted by Professional Services
</TABLE>

Confidential

                                                                   Page 61 of 75
<PAGE>

THIRD PARTY SOFTWARE (LICENSED THROUGH OSI)

<TABLE>
<CAPTION>
        VENDOR                        PRODUCT                           FEES                   FEES UNIT
        ------                        -------                           ----                   ---------
<S>                          <C>                             <C>                           <C>
Nexus*                       Passbook Printing,              $[**] per seat                 User (1)  (4) (5)
                             Receipt Printing and
                             On-Line Forms

Brio (formally Sqribe)* (2)  SQR-Run Time Copy               $[**]                          Per Client Site **

                             Visual Sqribe                   $[**]                          Per User

                             SQR Server                      Call for quote                 Per Client Site
                             (database server hardware
                             needs to be known)
Jet Form*                    Jet Form  Design                $[**]                          User

IBS                          CMS (Collection Management      $[**]                          Seat          (3)
                             System)

SER Microsoft                COLD (Computer Output to        $[**] Server License plus   Per Client Site
                             Laser Disk)                     $[**] for 5 concurrent
                                                             users
                                                             $[**] Enterprise Server
                                                             License for 6 or more
                                                             concurrent users
</TABLE>

*Jet Form Design is only needed when a customer wants to design & create their
own forms.

** Per Client Site refers to individual client or a single bank of a
holding company.

(1)  Per PC/workstation that is connected to a print server. Generally will be
     teller stations and CSRs. Nexus should be installed by client staff or
     third party providers contracted by client staff. If client wants OSI to
     setup Nexus driver, they will be charged under the Professional Services
     section.

(2)  Application Specific Run Time is the standard version supplied with the OSI
     system, which allows the generation of the standard OSI reports. Visual
     Scribe and SQR Server will be offered as part of the SQR Toolkit only. This
     will require the client to attend a training session and pay for software
     (per seat), see section.

(3)  An annual audit concept will apply to Third Party Software, particularly
     for Oracle and printer manager software. Clients will be billed for any
     increases in seat or user licenses over that amount previously licensed.

(4)  Must be purchased from OSI to maintain control of versions and insure
     software is certified to work with OSI systems & applications.

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                                                                   Page 62 of 75

<PAGE>

(5)  Client must send in the software license registration card to get support
     and upgrades external to OSI.

OFAC SOFTWARE

OFAC software is provided via the third party product (WatchDog) is $[**]
standalone, $[**] for 25 users, including OSI interface. Annual MA is [**]%
after 1st year

ALL OF THE ABOVE ITEMS UNDER THIS THIRD PARTY SOFTWARE SECTION ARE NOT SUBJECT
TO ANY DISCOUNT.

Confidential

                                                                   Page 63 of 75
<PAGE>

Schedule 1.17 -- Territory

  [Map of the contiguous United States and Hawaii divided into three vertical
                     bands labeled west, midwest and east]

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                                                                   Page 64 of 75

<PAGE>

                        SCHEDULE 4 - MINIMUM REQUIREMENTS

                    MINIMUM SALES REQUIREMENTS - SECTION 4(b)

SECTION 4(b)(i) - MINIMUM SALES -- NEW OUTSOURCING SERVICE CUSTOMERS

<TABLE>
<CAPTION>
                        MINIMUM ANNUAL                  MINIMUM ANNUAL
REGION            NEW OUTSOURCING AGREEMENTS         LICENSE FEE AMOUNTS *
------            --------------------------         ---------------------
<S>               <C>                                <C>
East                           10                         $ [**]
Midwest                        10                         $ [**]
West                           10                         $ [**]
</TABLE>

* Includes the combined License Fees (exclusive of Higher Level License Fees)
paid to OSI for Outsourcing Service Agreements with new Customers and Ancillary
Product Fees for sales of Ancillary Products to such new Customers. Such
minimums are subject to the inflation and renewal adjustments provided in this
Schedule.

SECTION 4(b)(ii) - MINIMUM SALES - ANCILLARY PRODUCTS

Commencing with the twenty-fifth month following the Effective Date, the minimum
volume of License Fees (exclusive of Higher Level License Fees) payable to OSI
covered by Section 4(b)(ii) of the Agreement for each Annual Measuring Period
shall be $[**]. Such minimum is subject to the inflation and renewal
adjustments provided in this Schedule

            MINIMUM QUARTERLY FEE PAYMENT REQUIREMENTS - SECTION 8(b)

SECTION 8(b)(i) - SALES TO NEW CUSTOMERS

The minimum annual License Fees payable by BISYS to OSI pursuant to Section
8(b)(i) of the Agreement shall equal the minimum License Fee payments set forth
below for the period identified (aggregating all regions to be included for a
given period at the specified percentages of the regional requirement after
giving effect to the phase-in of the Midwest and West regions). Such minimum
annual fees are subject to the inflation and renewal adjustment provided in this
Schedule.

Confidential

                                                                   Page 65 of 75

<PAGE>

SEPTEMBER 2003 INITIAL PERIOD

<TABLE>
<CAPTION>
                        MINIMUM ANNUAL                  MINIMUM ANNUAL
REGION            NEW OUTSOURCING AGREEMENTS         LICENSE FEE PAYMENTS
------            --------------------------         --------------------
<S>               <C>                                <C>
East                         n/a                          $ [**]
Midwest                      n/a                          $ [**]
West                         n/a                          $ [**]
TOTAL                                                     $ [**]
</TABLE>

FIRST ANNUAL MEASURING PERIOD (OCTOBER 1, 2003 TO SEPTEMBER 30, 2004)

<TABLE>
<CAPTION>
                        MINIMUM ANNUAL                  MINIMUM ANNUAL
REGION            NEW OUTSOURCING AGREEMENTS         LICENSE FEE PAYMENTS
<S>               <C>                                <C>
East                         n/a                        $ [**]
Midwest                      n/a                        $ [**]
West                         n/a                        $ [**]
TOTAL                                                   $ [**]
</TABLE>

SECOND ANNUAL MEASURING PERIODS (OCTOBER 1, 2004 TO SEPTEMBER 30, 2005)

<TABLE>
<CAPTION>
                              MINIMUM ANNUAL                  MINIMUM ANNUAL
REGION                  NEW OUTSOURCING AGREEMENTS         LICENSE FEE PAYMENTS
<S>                     <C>                                <C>
East                              10                          $ [**]
Midwest                            9                          $ [**]
West                               9                          $ [**]
Ancillary Cross Sale             n/a                          $ [**]
TOTAL                                                         $ [**]
</TABLE>

THIRD ANNUAL MEASURING PERIODS (OCTOBER 1, 2005 TO SEPTEMBER 30, 2006) AND
MEASURING PERIODS BEYOND THIS PERIOD PERIOD EXCEPT THAT FOR THE FIFTH ANNUAL
MEASURING PERIODS OF THE TERM AND THE RENEWAL TERM (IF ANY) ONLY THE MINIMUM
ANNUAL LICENSE FEE PAYMENTS SHALL BE 11/12 OF THE FOLLOWING MINIMUM ANNUAL
LICENSE FEE PAYMENTS:

<TABLE>
<CAPTION>
                              MINIMUM ANNUAL                  MINIMUM ANNUAL
REGION                  NEW OUTSOURCING AGREEMENTS         LICENSE FEE PAYMENTS
<S>                     <C>                                <C>
East                               10                         $ [**]
Midwest                            10                         $ [**]
West                               10                         $ [**]
Ancillary Cross Sale              n/a                         $ [**]
TOTAL                                                         $ [**]
</TABLE>

Confidential

                                                                   Page 66 of 75
<PAGE>

All payments shall be based on 100% of the scheduled Minimum Annual License Fee
Payments for the East region, but the Midwest and West regions will be phased-in
to the Minimum Annual License Fee Payments obligation based on the following
schedule:

         a)       for the first six months following the Effective Date, BISYS
                  will pay OSI based on 25% of the scheduled Minimum Annual
                  License Fee Payments for the Midwest and West regions;

         b)       for the next six months, BISYS will pay OSI based on 50% of
                  the scheduled Minimum Annual License Fee Payments for the
                  Midwest and West regions;

         c)       for the next six months, BISYS will pay OSI based on 75% of
                  the scheduled Minimum Annual Fee Payments for the Midwest and
                  West regions; and

         d)       thereafter, BISYS shall pay OSI based on 100% of the scheduled
                  Minimum Annual Fee Payments for all regions.

All such minimums (except those for September 2003) are subject to the inflation
and renewal adjustments provided in this Schedule.

SECTION 8(b)(ii) - SALES OF ANCILLARY PRODUCTS TO EXISTING CUSTOMERS

The minimum annual License Fees payable by BISYS to OSI pursuant to Section
8(b)(ii) of the Agreement with respect to sales of Ancillary Products to
existing customers are the Minimum Annual Ancillary Product License Fee Amount
for the sale of Ancillary Products set forth under the Section 4(b)(ii) heading
of this Schedule 4, above. All such minimums are subject to the inflation and
renewal adjustments provided in this Schedule.

SECTION 8(b) -- PROFORMA BISYS MINIMUM PAYMENT SCHEDULE:

Attached hereto as Attachment 1, is a proforma minimum quarterly fee payment
schedule demonstrating the payments that would be made to OSI by BISYS pursuant
to Sections 8(b)(i) and 8(b)(ii) and this Schedule 4 given the assumptions set
forth in the Footnotes to such Attachment 1.

                       ADJUSTMENTS OF MINIMUM REQUIREMENTS

The minimum fee and payment amounts used for the Minimum Sales Requirements of
Section 4(b) and the Minimum Fee Payment requirements of Section 8(b) shall be
subject to the following adjustments:

Annual Inflation Adjustment Provision- The annual minimums specified in this
Schedule will increase each year of the Agreement at the annual rate of
inflation for the prior year measured by the Consumer Price Index for All Urban
Consumers- Other Goods and Services. No adjustment will be made in the first
year each minimum becomes effective.

Renewal - Minimum Sales Volumes.- The minimums that shall apply during each
Renewal Term shall be determined as follows:

         (i)      For the first year of any Renewal Term, such minimums
                  (adjusted by region, if applicable) shall be the greater of:
                  (A) the minimum in effect for each such region during the
                  preceding fiscal year of the Agreement, adjusted under the
                  annual rate of inflation provision to the current fiscal year,
                  or (B) ninety percent (90%) of the trailing three fiscal years
                  actual number achieved by BISYS (segmented by Region, if
                  applicable).

         (ii)     For each subsequent year of the Renewal Term, the volumes by
                  Region determined under clause (i) above, adjusted under the
                  annual rate of inflation provision.

Confidential

                                                                   Page 67 of 75

<PAGE>

SCHEDULE 6 (g)- REFERRAL FORM

DATE:                     __________________________

REFERRAL OPPORTUNITY:

         Institution Name:_______________________________________

         Contact Name:    _______________________________________

         Title:           _______________________________________

         Contact Phone # :_______________________________________

         Contact email:   _______________________________________

         City/State:      _______________________________________

         Asset Size:      _______________________________________

REFERRAL FROM:

         Name:            _______________________________________

         Position/Title:  ____________________________

         Telephone:       ____________________________

         Email:           ____________________________

QUALIFYING INFORMATION:

Why interest in Total CS?_________________________

Who they currently use for core if applicable?: ________________________

When the existing core contract expires?________________________

Motive for replacement?:________________________________________________

Where the institution is in their decision making process?______________________

Confidential

                                                                   Page 68 of 75

<PAGE>

SCHEDULE 9 (b)- SUPPORT TERMS AND CONDITIONS

1. Coverage Subject to the terms hereof, OSI shall provide Support to BISYS for
the Licensed Software (including Interfaces), Ancillary Products and Third Party
Software which are licensed software as defined in the Agreement hereunder
("Support").

2. Support Services

2.1      Support Services consist of:

         (a)      Error Correction and Telephone Support provided to the
designated BISYS Technical Support Contact concerning the Installation and use
of the then current release of the Licensed Software and the OSI Interface
Software owned and developed by OSI and the Previous Sequential Release.

         (b)      Enhancements, as defined herein, of the Licensed Software that
OSI, in its discretion makes generally available to its customers of the
Licensed Software. As used herein, "Enhancements" mean new releases of the
Licensed Software which support new regulations and provide product enhancements
and Fixes. Enhancements will be provided as part of Product Updates, consisting
of one copy of published revisions to the printed Documentation and one copy of
revisions to the machine readable Licensed Software. Support does not include
the physical installation of Product Updates. All such installations may be
performed by OSI upon BISYS' written request and shall be billable to BISYS at
OSI's then current applicable rate.

         (c)      As part of the Support provided hereunder, OSI agrees to use
commercially reasonable efforts to provide Product Updates on a timely basis in
order to enable BISYS' Customers to comply with federal banking laws and
regulations pertaining to the subject matter of the Licensed Software.

2.2      As provided in the Exclusions Section of this document, a condition
precedent to continued Support, Product Updates and any warranty relating to the
Licensed Software, BISYS agrees to promptly install and implement such Product
Updates and Enhancements to the Licensed Software.

3. Term and Termination

3.1      Support shall be provided for the duration of the Agreement, unless
terminated by either party as provided herein.

3.2      OSI may suspend Support if BISYS fails to make payments pursuant to the
Agreement.

3.3      OSI may suspend Support if BISYS fails in a reasonably prompt manner to
implement such modifications, updates and enhancements to the Licensed Software
as OSI shall require from time to time in its sole discretion.

Confidential

                                                                   Page 69 of 75

<PAGE>

3.4      OSI may terminate in its sole discretion the Support related to a
specific software version, specified hardware configuration or network structure
of the Licensed Software upon a prior one (1) year written notice of Support
discontinuance.

4.       Remote Support Services

4.1      OSI intends to provide certain Support via a remote on-line connection
to BISYS' designated technical support center. BISYS hereby agrees to assist OSI
in the creation of such a remote on-line connection as part of the
implementation of the System and agrees to maintain and allow OSI access to its
designated technical support center and the Licensed Software through such
remote on-line connection.

4.2      In the event that the remote on-line connection is not available to OSI
necessitating that OSI's personnel have to be deployed to the BISYS designated
technical support center to perform Support services that would otherwise have
been provided via the remote on-line connection BISYS agrees, in addition to any
fees payable under the Agreement:

         (a)      to pay a per diem charge for all additional Support services
at OSI's then standard rates for such services, and

         (b)      to reimburse OSI for all reasonable travel and living expenses
incurred by or on behalf of OSI and its personnel in providing the additional
Support services to BISYS at BISYS' designated technical support center.

Any such charges for additional Support services and reimbursement for travel
and living expenses shall be billed by OSI to BISYS on a per occurrence basis
and shall be payable within thirty (30) days of the applicable invoice.

5.       Response, Problem Resolution Standards and Error Priority Levels

5.1      Commercially reasonable efforts shall be made to resolve problems
promptly consistent with the priority level reasonably assigned to the problem
by OSI from the listing below. Upon BISYS' notification to OSI of a problem, OSI
will investigate such problem to determine the nature and origin of such problem
and upon completion of such investigation outline to BISYS the procedures to be
followed in resolving to such problem.

         The priority levels are as follows:

         (a)      Priority A Errors - OSI shall promptly commence the following
procedures:

                  i)       assign OSI personnel to correct the Error;

                  ii)      notify OSI management that such Errors have been
                           reported and of steps being taken to correct such
                           Error(s);

                  iii)     provide BISYS with periodic reports on the status of
                           the corrections; and

                  iv)      initiate, within a commercially reasonable period of
                           time that the Error is reported to OSI, work to
                           promptly provide BISYS with a Work-around or Fix and
                           diligently

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                                                                   Page 70 of 75

<PAGE>

                           pursue a resolution of the Error. In the event OSI
                           addresses any Priority A Error by means of a
                           temporary Work-around, OSI shall exercise
                           commercially reasonable efforts to effect a final
                           resolution of the Error as soon as possible
                           thereafter.

         (b)      Priority B Errors - OSI shall exercise commercially reasonable
efforts to include the Fix for the Error in the next regular Product Update.

         (c)      Priority C Errors - OSI may include the Fix for the Error in
the next Product Update.

5.2      If OSI believes reasonably and in good faith that a problem reported by
BISYS may not be due to an Error in the Licensed Software but may be due to
another cause (as illustrated herein), OSI will so notify BISYS. Such other
cause may include but not be limited to the failure by BISYS to install OSI
recommended updates, the installation by BISYS of software, which has not been
certified and approved by OSI, or BISYS' use of the Licensed Software on
hardware or network components which have not been specified and approved by
OSI.

At that time, BISYS may

         (a)      instruct OSI to proceed with problem determination at BISYS'
sole expense as set forth below, or

         (b)      instruct OSI that BISYS does not wish the problem pursued at
BISYS' sole expense.

If BISYS requests that OSI proceed with problem determination at its possible
expense and OSI determines that the error was not due to an Error in the
Licensed Software, BISYS shall pay OSI, at OSI's then current and standard
consulting rates, subject to BISYS' standard OS1 discount, for all work
performed in connection with such determination, plus reasonable related
expenses incurred therewith. .

BISYS shall not be liable for:

         (a)      repair to the extent problems are due to Errors in the
Licensed Software

         (b)      work performed under this paragraph in excess of its
instructions, or

         (c)      work performed after BISYS has notified OSI that it no longer
wishes work on the problem determination to be continued at its sole expense
(such notice shall be deemed given when actually received in writing by OSI).

If BISYS instructs OSI that it does not wish the problem pursued at its sole
expense or if such determination requires effort in excess of BISYS'
instructions, OSI may, at its sole discretion, elect not to investigate the
error.

In the event that OSI fails to resolve a problem or correct an Error within a
commercially reasonable time frame, the problem shall be escalated to OSI Senior
Management and additional technical support resources of a level appropriate for
resolution shall be assigned to the problem on a priority basis. In the

Confidential

                                                                   Page 71 of 75

<PAGE>

case of a Priority A Error, four (4) hours from the time the Error is reported
shall be deemed a commercially reasonable time frame to escalate OSI' s efforts.

In the event that OSI is unable to resolve or correct a Priority A Error within
a commercially reasonable period of time, BISYS shall be entitled to terminate
the Agreement under the procedures provided therein.

6.       Confidentiality All information provided by either party to the other
pursuant to these terms and conditions shall be subject to the confidentiality
obligations set forth in Section 16 of the Agreement.

7.       Exclusions

7.1      A condition precedent to OSI's obligation to perform Support shall be
that the Licensed Software problems shall not be the result of

         (a)      BISYS' negligence, abuse or misapplication of the Licensed
Software,

         (b)      Use of the Licensed Software other than as specified in the
Documentation,

         (c)      Use of the Licensed Software on hardware other than the
Designated Hardware

         (d)      BISYS' failure to promptly implement such modifications,
updates and enhancements to the Licensed Software (in the form of Product
Updates) and to Third Party Software licensed from a Third Party as OSI shall
require from time to time in its sole discretion, or

         (e)      Other causes beyond the reasonable control of OSI.

7.2      OSI shall have no obligation to support:

         (a)      Altered, damaged or modified Licensed Software (unless such
modifications are consented to in writing by OSI or otherwise authorized,
permitted or provided for under this Agreement) or any portion of the Licensed
Software incorporated with or into other software;

         (b)      Licensed Software that is not the then current release or
immediately Previous Sequential Release.

7.3      Upon BISYS' request. OSI shall provide Support for the Licensed
Software which has malfunctioned as a result of any of the causes described in
this Section 7 at its then current and standard rates for material and labor.

7.4      Support does not include physical installation of Product Updates.

8.       Limitation of Liability

EXCEPT FOR A BREACH OF ITS CONFIDENTIALITY OBLIGATIONS UNDER SECTION 16 OR ANY
LIABILITY OSI MAY HAVE FOR PERSONAL INJURY OR DAMAGE OR DESTRUCTION OF REAL OR
TANGIBLE PERSONAL PROPERTY OR LIABILITY RESULTING FROM OSI'S GROSS NEGLIGENCE OR
WILLFUL MISCONDUCT, OSI'S LIABILITY FOR DAMAGES FROM ANY CAUSE OF ACTION
WHATSOEVER RELATING TO OSI'S AGREEMENT TO PROVIDE SUPPORT SHALL BE LIMITED TO
THE AMOUNT PAID BY

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                                                                   Page 72 of 75

<PAGE>

BISYS TO OSI FOR SUPPORT DURING THE PRECEDING TWELVE (12) MONTH PERIOD PURSUANT
TO THE AGREEMENT. OSI SHALL NOT BE LIABLE FOR ANY INCIDENTAL, INDIRECT, SPECIAL
OR CONSEQUENTIAL DAMAGES, INCLUDING, BUT NOT LIMITED TO, LOST PROFITS OR
REVENUES, EVEN IF BISYS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
THIS ARTICLE SHALL SURVIVE TERMINATION OF THIS AGREEMENT.

OSI AGREES THAT IT WILL NOT WRONGFULLY DISABLE THE OSI PROPRIETARY SOFTWARE OR
ANY OTHER HARDWARE OR OSI PROPRIETARY SOFTWARE ON BISYS' COMPUTER SYSTEM FOR ANY
REASON. ANY LIMITATION OF LIABILITIES SET OUT IN THIS SECTION AND WITH RESPECT
TO OSI WILL BE NULL AND VOID IF OSI BREACHES ITS AGREEMENT SET FORTH IN THE
IMMEDIATELY PRECEDING SENTENCE.

9.       Definitions Unless defined otherwise herein, capitalized terms used in
these Support Terms and Conditions shall have the same meaning as set forth in
the Agreement. "Error" means the non-conformance or error in Licensed Software,
or the applicable portion thereof, which causes the Licensed Software to fail to
consistently, accurately and reliably operate and perform the features and
functions described in and in accordance with the Documentation.

"Error Correction" means the use of commercially reasonable efforts to correct
Errors in accordance with the terms and conditions contained in this Attachment.

"Fix" means the repair or replacement of object or executable code versions of
Licensed Software to remedy an Error.

"Previous Sequential Release" means the release of Licensed Software which has
been replaced by a subsequent release of the same Licensed Software.
Notwithstanding anything to the contrary contained herein, a Previous Sequential
Release will be supported by OSI for a period of not more than six (6) months
after release of the subsequent release.

"Priority A Error" means an Error which renders Licensed Software inoperative,
causes inaccuracies in the data processed by the Licensed Software, degrades the
functions or feature of the Licensed Software or materially restricts BISYS' use
of the Licensed Software.

"Priority B Error" means an Error which degrades the functions or features of
the Licensed Software or restricts BISYS' use of the Licensed Software.

"Priority C Error" means an Error which is cosmetic or trivial in nature and
which causes only a minor impact on BISYS' use of Licensed Software

"Support" means OSI support services as described in Section 2.

"Telephone Support" means technical support telephone assistance provided by OSI
to the Designated Technical Support Contact concerning problem resolution and
the use of the then current release of Licensed Software and the Previous
Sequential Release. Calls will be accepted during OSl's normal business hours,
except that in the event of an emergency, OSI will accept all calls made to the
emergency off-hours telephone numbers which OSI shall supply to BISYS and always
promptly update as they change, 24 hours per day, 7 days per week, 365 days per
year.

Confidential

                                                                   Page 73 of 75

<PAGE>

"Work-around" means a modification of the Licensed Software and/or a change in
the procedures followed or data supplied by BISYS to avoid an Error without
substantially impairing BISYS' use of Licensed Software.

THESE TERMS AND CONDITIONS CONSTITUTE A SERVICE CONTRACT AND NOT A PRODUCT
WARRANTY. THE LICENSED SOFTWARE AND ALL MATERIALS RELATED TO THE LICENSED
SOFTWARE ARE SUBJECT EXCLUSIVELY TO THE WARRANTIES SET FORTH IN THE AGREEMENT.
THIS ATTACHMENT IS AN ADDITIONAL PART OF THE AGREEMENT AND DOES NOT CHANGE OR
SUPERSEDE ANY TERM OF THE AGREEMENT EXCEPT TO THE EXTENT UNAMBIGUOUSLY CONTRARY
THERETO.

Confidential

                                                                   Page 74 of 75

<PAGE>

SCHEDULE 12 -- Product Development Resources

Product Development Resources of three (3) dedicated developers is $536,000 for
the first year of this Agreement. BISYS shall pay this fee to OSI on a quarterly
basis in advance. After the first year, Product Development Resources will
automatically renew for another 12-month period unless either OSI or BISYS
provides the other with 180 days prior written notice of its intent not to
continue Product Development Resources. The annual fee of $536,000 will be
increased each year at the annual rate of inflation for the prior year measured
by the Consumer Price Index for All Urban Consumers- Other Goods and Services.

BISYS will reimburse Open Solutions for out-of-pocket travel expenses required
of these resources, including travel and lodging while at a BISYS facility, at
cost.

Confidential

                                                                   Page 75 of 75<PAGE>

                                                                   Exhibit 10.28

          Confidential Materials omitted and filed separately with the
      Securities and Exchange Commission. Asterisks denote such omissions.

                                    ADDENDUM

     This Addendum, dated as of September 1, 2003 (the "Addendum"), and the
related FreeFlow Order Form between the parties dated as of September 1, 2003
(the "New Order Form"), amends and supersedes certain of the provisions of the
(1) Akamai Microsoft Non-Standard Services Agreement Terms & Conditions (the
"Terms & Conditions") entered into by and between Akamai Technologies, Inc.
("Akamai") and Microsoft Corporation ("Microsoft"), dated as of June 29, 2000;
and (2) the Akamai FreeFlow Services Order Form entered into by the parties as
of June 29, 2000 (the "Original Order Form"), as amended to date by the various
Addenda thereto between the parties dated November 1, 2001, December 1, 2002 and
February 1, 2003 (the "Addenda"). Unless otherwise defined herein, all
capitalized terms used herein shall have the meanings assigned to such terms in
the Terms & Conditions or New Order Form.

NOW, THEREFORE, the parties hereby agree as follows:

1.   The New Order Form, its attached Service Level Agreement, and this Addendum
     shall supersede and replace the Original Order Form, including the Addenda
     thereto, effective as of the Billing Effective Date set forth in the New
     Order Form. The rates set forth herein shall apply to any use of FreeFlow
     Services (HTTP delivery or streaming) by a Microsoft Web property,
     including any streaming delivered under the EdgeSuite Streaming Order Form,
     its Exhibits (including the Service Level Agreement) and related Addendum
     between Akamai and Microsoft (MSN Entertainment) with a Billing Effective
     Date of August 1, 2003, copies of which are attached hereto (the "MSN
     Entertainment Order").

2.   Notwithstanding Section 1 above, Microsoft shall have continued use of the
     Microsoft/[**], provided that the rates for usage of the [**] shall be as
     set forth herein.

3.   Microsoft's [**] Usage Commitment for FreeFlow reflected in the New Order
     Form is for HTTP traffic only, including any [**] traffic. No FreeFlow
     streaming traffic will be counted towards such minimum commitment. The [**]
     Usage Commitment shall be comprised of the following regional [**]
     subcommitments: [**] for EMEA and [**] for Asia/ROW (each region as defined
     below).

4.   FreeFlow usage rates, including both HTTP and streaming traffic, shall be
     as follows:

        Domestic:               $[**]/Mbps
        EMEA:                   $[**]/Mbps
        Asia/ROW:               $[**]/Mbps
        [**] (worldwide):       $[**]/Mbps

<PAGE>

     For purposes of the above rates:

     -    All measurements will be taken regionally using separate 95/5
          measurements.

     -    Regions will be determined based on whether Customer Content is served
          to end users in (i) the United States and Canada ("Domestic"), (ii)
          Europe, Middle East and Africa ("EMEA"), or (iii) Asia or the rest of
          the world ("Asia/ROW").

     -    The above prices in this Section 4 and the [**] Usage Commitment in
          Section 3 shall be effective from the first day of the calendar month
          in which this Addendum has been executed by the parties; the pricing
          and usage amount (if any) set forth in the Original Order Form, as
          amended by the Addenda, shall apply for periods prior to such date.

5.   The $[**] per GB pricing for storage reflected in the New Order Form shall
     apply to all Microsoft properties, including MSN Entertainment (see
     Paragraph 7 herein).

6.   During the last month of the first year of the Term of the New Order Form
     (i.e., during August 2004), the parties will negotiate in good faith any
     appropriate modifications to the pricing set forth herein that would apply
     for the second year of the Term. In the event that the parties agree upon
     modified pricing terms, or alternatively agree that no price modifications
     are necessary, they shall execute appropriate documentation and the usage
     commitments set forth herein shall continue for the second year of the
     Term. If the parties are unable to reach agreement on pricing terms during
     such negotiation period then Microsoft may, by providing written notice to
     Akamai prior to September 1, 2004, convert the second year of the Term of
     the New Order Form so that (a) Microsoft's [**] Usage Commitment and any
     regional subcommitments set forth herein are reduced by [**]%, and (b)
     during the second year of the Term the New Order Form and the services
     thereunder shall continue on a month-to-month basis subject to termination
     by either party without penalty by delivery of a written notice of
     termination to the other party at least 10 days prior to the first day of
     the following month.

7.   The parties agree that the MSN Entertainment Order shall remain in full
     force and effect and shall be unaffected by the New Order Form or this
     Addendum except that: (a) the price per GB for storage payable by MSN
     Entertainment shall be as reflected in the New Order Form (i.e., $[**] per
     GB), (b) the term of the MSN Entertainment Order shall be modified so that
     it is co-terminus with the New Order Form and this Addendum, and (c) the
     price for streaming (FreeFlow usage) shall be as set forth in Section 4
     herein.

8.   Akamai agrees that in the event it develops a generally available lower
     cost storage offering, it will offer Microsoft the ability to take
     advantage of such offering.

<PAGE>

9.   For purposes of clarification, the footnote from the Addenda permitting
     Microsoft and Microsoft Affiliates to order FreeFlow services from time to
     time, which is reprinted on Schedule A attached hereto, shall continue to
     apply.

10.  For purposes of clarification, the parties acknowledge that the 30 day
     termination without penalty provision pertaining to FreeFlow Services set
     forth in Section 8.2 of the Terms and Conditions does not apply to the
     FreeFlow Services under the New Order Form.

11.  Akamai has implemented a corporate security policy that is based on the ISO
     17799 standard and is substantially equivalent to the MSN Security Policy
     (version 7.00 revised 1/31/03) provided to Akamai. Akamai will undergo an
     annual assessment in accordance with ISO 17799 by a 'big four' consulting
     firm or a reputable equivalent thereto (currently PricewaterhouseCoopers),
     in either case as selected by Akamai. The costs of the assessment,
     including without limitation all fees charged by such consultants and all
     costs and expenses incurred by Akamai in connection with such assessment,
     shall be borne by Akamai. An executive summary and a formal attestation by
     the consultant will be made available for Microsoft's review. Microsoft
     acknowledges that all information relating to the assessment, including the
     report with respect thereto, the executive summary and the formal
     attestation, shall constitute confidential information subject to the
     non-disclosure provisions of the Terms & Conditions.

     Akamai shall permit Microsoft to review the initial assessment. In the
     event that Microsoft in its reasonable discretion is not satisfied with the
     initial assessment because it shows substantial noncompliance with the ISO
     17799 standard, then Microsoft may terminate without penalty this Addendum
     and the New Order Form by written notice delivered to Akamai within five
     (5) days of the last signature on this Addendum. In the event of a
     termination by Microsoft pursuant to the foregoing sentence, the parties
     shall automatically revert to the Original Order Form, as amended by the
     Addenda.

     With respect to any future assessment made available for review annually by
     Akamai to Microsoft, in the event that Microsoft in its reasonable
     discretion is not satisfied with such assessment because it shows a
     material decrease in compliance with the ISO 17799 standard compared with
     the prior year, then Microsoft shall so notify Akamai within fourteen (14)
     days after receipt of the annual assessment and the parties will negotiate
     in good faith with the goal of developing an action plan designed to
     address any agreed upon deficiencies. In the event that the parties are
     unable to reach agreement on such an action plan then Microsoft may
     terminate without penalty this Addendum and the New Order Form by written
     notice delivered to Akamai within 30 days after Microsoft's initial notice
     regarding non-compliance.

     Akamai will promptly notify a designated Microsoft security contact of any
     security breach or similar incident that has, or might have, compromised
     the privacy or security of any Microsoft end-user personally identifiable
     information in Akamai's possession. In such event, Akamai will keep
     Microsoft updated as to the steps being taken to alleviate any continued
     threat to the privacy or security of such information as well as any
     actions being taken to prevent foreseeable future incidents.

<PAGE>

     The parties acknowledge that Akamai currently does not transmit any
     end-user personally identifiable information on behalf of Microsoft. To the
     extent that Microsoft desires to have Akamai transmit any such information
     in the future it will so notify Akamai and the parties will discuss and
     agree on any appropriate security precautions that may be needed with
     respect to such information.

12.  The Parties agree that they shall work together in good faith to
     incorporate the applicable Microsoft standard terms and conditions for
     vendor services or other mutually agreeable alternatives thereto, including
     the Microsoft corporate payment policy, into the Terms & Conditions, within
     sixty (60) days of the last signature on this Addendum.

     IN WITNESS WHEREOF, and intending to be legally bound hereby, the parties
hereto have caused this Amendment to be duly executed and delivered by their
respective duly authorized officers as of the date and year first above written.

     Agreed and Accepted                             Agreed and Accepted:

     AKAMAI TECHNOLOGIES, INC.                       MICROSOFT CORPORATION

     By: /s/ Mike Carlson                            By: /s/ Steven A. Balmer
         -----------------------                         -----------------------

     Name: Mike Carlson                              Name: Steven A. Balmer
           ---------------------                           ---------------------

     Title: Regional Manager                         Title: CEO
            --------------------                            --------------------

     Date: September 23, 2003                        Date: September 30, 2003
           ---------------------                           ---------------------

<PAGE>

                                   SCHEDULE A

FreeFlow Services may be used by Microsoft and Microsoft Affiliates (as defined
below) whose origin server is located in the territories set forth on Exhibit C
(as may be amended from time to time) provided Akamai and Microsoft accept the
order by executing a separate Order Form for FreeFlow Service which identifies
the Microsoft Affiliate. Akamai hereby grants any such Microsoft Affiliate the
right to use the FreeFlow Services and associated Software in accordance with
the Agreement (including the licensing restrictions and confidentiality
provisions thereof); provided that, so long as Microsoft and Akamai have
accepted the order with respect to a given Microsoft Affiliate as provided for
above, all other rights and obligations under the Agreement shall remain with
Microsoft and Microsoft shall be fully responsible for any breach of the
Agreement by its Affiliates. With respect to any order relating to a given
Microsoft Affiliate Microsoft and Akamai have accepted under the terms hereof,
Akamai shall bill Microsoft and Microsoft shall pay for the FreeFlow Services
used by Microsoft and any such Microsoft Affiliates. Support will be provided
directly to Microsoft for FreeFlow Services used by Microsoft and Microsoft
Affiliates. The parties have waived the requirement to execute a separate Order
Form in order to accept the order with respect to msnbc.com, a Microsoft
Affiliate, and msnbc.com may use the FreeFlow Services in accordance with the
terms of the Agreement.

For purposes of this Agreement, "Affiliate" shall mean any entity now or
hereafter directly or indirectly controlling or controlled by or in common
control with a party, where "control" is defined as the ownership of at least
50% of the equity or beneficial interest of such entity or the right to vote for
or appoint a majority of the board of directors or other governing body of such
entity, and any other entity with respect to which party (i) sold a majority
interest and retained at least 10% ownership of the equity or beneficial
interest of such entity and (ii) has management or operational responsibility
(including the authority to act on behalf of and legally bind such entity)
(collectively "Management or Operational Responsibility") provided that such
entity shall be deemed to be an Affiliate only so long as such "control" exists
or party has Management or Operational Responsibility for such entity. For the
avoidance of doubt, this Agreement shall not apply to any affiliates of
Microsoft Affiliates.

<PAGE>

                                    Exhibit C

                                      [**]

<PAGE>

[AKAMAI LOGO]                                         FREEFLOW ORDER FORM

<TABLE>
<S>                                                                  <C>

===================================================================================================================================
CUSTOMER INFORMATION
                                              BILLING CONTACT INFORMATION:     [X] Centralized Billing or [ ] Decentralized Billing
      Company:  Microsoft Corporation             Contact Name:             Pauline Stuart
      Address:  One Redmond Way                   Address (if different):   1065 LaAvenida; Mountain View CA 94043
                Redmond, WA 98052                 E-Mail: pauline@microsoft.com   Phone: (650) 693-7032     Fax: (650) 693-7020
===================================================================================================================================

===================================================================================================================================
ORDER INFORMATION                                                                                      AKAMAI REP: Mike Carlson

  EFFECTIVE DATE:  09/01/2003    BILLING           09/01/2003              TERM:   2 years          CUSTOMER PO #: ________
                  (mm/dd/yyyy)   EFFECTIVE DATE:  (mm/dd/yyyy)                     (Starts on Billing Date)

                                                                      [ ]  New Service Order (no change to any existing services).
   CUSTOMER TYPE: [X]  Existing Customer           PURPOSE OF ORDER:  [X]  Change Order (change to existing order for this
                  [ ]  New Customer                                             service). Term for underlying existing order
                                                                                will change to the Term listed above.
 AFFILIATE ORDER: [X]  No (use this unless below applies)                       Describe change type here (e.g. renewal,
                  [ ]  Yes customer is incorporating Ts &                       upgrade, add feature, etc.): Upgrade existing
                           Cs signed by an affiliate.                           FreeFlow Service Order and change pricing .
                           Name of affiliate is ________.             [ ]  Transfer from another service to this one (prior
                                                                                service will be terminated on the Billing
                                                                                Effective Date). If selected then list the
                                                                                prior service being terminated here: _______.
===================================================================================================================================

===================================================================================================================================
SERVICE INFORMATION                                                                              ONE TIME FEES        MONTHLY FEES

[X]  FREEFLOW                                                                                                         SEE ADDENDUM

     Includes: HTTP, streaming, and SSL object delivery; Last Mile Accelerator; Basic Cache
     Control; Standard Reporting Tools; Log Delivery Service; Alerts.

         [**] Usage Commitment = [**] aggregate of HTTP traffic. Regional subcommitments and
         pricing as set forth in the Addendum dated the date hereof ("Addendum").

[X]  STORAGE                                                                                                          SEE ADDENDUM

         Base and overage usage Rate = $[**] per GB.

[X]  PREMIUM CUSTOMER CARE AND SUPPORT                                                                                  INCLUDED

[ ]  ACTIVATION -- Integration of new Web properties to be set on a custom basis per property.

                                                                                  TOTAL FEES:          $0             SEE ADDENDUM

SECURITY DEPOSIT:  [ ] Security Deposit (amount equals one month recurring fees for Term of
                       one year or less; two months recurring fees for Term greater than one
                       year) - N/A

One-time fees are billed in advance. Monthly recurring fees are billed each calendar month in advance starting on the Billing Date.
Overage and similar fees are billed in arrears. Services measured in Mbps and Net Storage are billed at 95th percentile of usage or
uncompressed equivalent as measured by Akamai over five minute intervals ("95/5"). Other usage based on total use or uncompressed
equivalent as measured by Akamai. Akamai reserves the right to limit Customer's use of the Akamai streaming network in excess of
Customer's committed usage in the event that force majeure events, such as war, natural disaster or terrorist attack, result in
extraordinary levels of traffic on Akamai's network.
====================================================================================================================================

Customer hereby orders from Akamai the Services described in this Order Form, and the attached Service Level Agreement,
incorporated herein as Exhibit A. This Order Form is being issued  pursuant and subject to the Akamai -- Microsoft Non-Standard
Services Agreement Terms and Conditions between the parties, and shall become valid when executed by Customer and accepted by an
authorized representative of Akamai. Use of any Akamai services and products are subject to Akamai's acceptable use policy
(available on WWW.AKAMAI.COM).

===================================================================================================================================
ACCEPTED BY CUSTOMER:                                                ACCEPTED BY AKAMAI:

SIGNATURE  /s/ ARNE JOSEFSBERG                                       SIGNATURE  /s/ MICHAEL CARLSON

----------------------------------------------------------------     ---------------------------------------------------------------
NAME  ARNE JOSEFSBERG                                                NAME  MICHAEL CARLSON
DATE (mm/dd/yyyy)  September 29, 2003                                DATE (mm/dd/yyyy)   September 23, 2003

----------------------------------------------------------------     ---------------------------------------------------------------
TITLE                                                                TITLE
CUSTOMER CONTACT FOR NOTICES (IF DIFFERENT FROM ADDRESS AT TOP)      AKAMAI CONTACT FOR NOTICES
COMPANY:                                                             AKAMAI TECHNOLOGIES, INC.
ADDRESS:                                                             8 CAMBRIDGE CENTER, CAMBRIDGE, MA 02142 USA
ATTENTION: GENERAL MANAGER, MSN INFRASTRUCTURE PLATFORM SERVICES
COPY TO: LAW & CORPORATE AFFAIRS                                     ATTN: GENERAL COUNSEL
====================================================================================================================================
</TABLE>

<PAGE>

                                    EXHIBIT A
                            CONTENT DELIVERY SERVICES
                             SERVICE LEVEL AGREEMENT

This Service Level Agreement is a continuation of the FreeFlow Order Form dated
as of September 1, 2003, and the related Akamai - Microsoft Non-Standard
Services Agreement Terms & Conditions (the "Agreement") between Microsoft
Corporation ("Customer") and Akamai Technologies, Inc. ("Akamai"). All
capitalized terms not defined herein shall have the meanings that are ascribed
in the Agreement.

I.   SERVICE LEVELS AND PENALTIES

     Akamai agrees to provide a level of service demonstrating:

     (a)  100% Uptime: The Service will serve content 100% of the time.
     (b)  Measurable Performance Enhancement: The Service will deliver content
          measurably faster than the Customer's web site.
     (c)  Credits: If the Service fails to meet either of the above service
          levels, the Customer will receive (as its sole remedy) a credit equal
          to fees for the day in which the failure occurs.

II.  SLA MONITORING METHODOLOGY

     The following methodology will be employed to measure the Service
     availability and performance enhancement:

     Agents and Polling Frequency

     (a)  From six (6) geographically and network-diverse locations in major
          metropolitan areas, Akamai will simultaneously poll a test file
          residing on the Customer's production servers and on Akamai's network
     (b)  The polling mechanism will perform two (2) simultaneous http GET
          operations:

          A test file will be placed on the customer's origin server (ie,
          origin.customer.com).

          One GET operation will be performed to retrieve the file directly from
          the origin server (ie, http://origin.customer.com/testobject).

          The other GET operation will be performed to retrieve the file through
          the Service, by requesting the object from the appropriate customer
          hostname CNAMEd to Akamai (ie, http://www.customer.com/testobject,
          where www.customer.com is CNAMEd to Akamai and configured to pull
          content from origin.customer.com)

     (c)  The Akamaized test content must use a TTL of 2 hours or greater.
     (d)  The test content will be a file of approximately 10 KB in size.
     (e)  Polling will occur at approximately 12-minute intervals.
     (f)  Based on the http GET operations described in II(b) above, the
          response times received from the two sources, (a) the Customer server,
          and (b) the Akamai

<PAGE>

          network, will be compared for the purpose of measuring performance
          metrics and outages.

III. PERFORMANCE METRIC

     The performance metric will be based on a daily average of performance for
     the Service and the Customer's production web server, computed from data
     captured across all regions and hits. Each time will be weighted to reflect
     peak traffic conditions or "primetime" usage. The primetime period is 10 AM
     to 8 PM EST. All times recorded during this period will be weighted by a
     factor of three. If on a given day the Akamai weighted daily average time
     exceeds the Customer's weighted daily average time, then the Customer will
     receive (as its sole remedy) a credit equivalent to fees for that day of
     service.

IV.  OUTAGES

     An outage is defined as a 12-minute period of consecutive failed attempts
     by a single agent to "get" a file from the network while succeeding to
     "get" the test file from the Customer web site. If an outage is identified
     by this method, the customer will receive (as its sole remedy) a credit
     equivalent to the fees for the day in which the failure occurred.

V.   SLA ACTIVATION

     In order to activate the Content Delivery Service Level Agreement, the
     Customer must enter two valid test files for the same object (as described
     in II(c) and (d) above) into the SLA Activation Tool located in the
     Provisioning Center on I.AM.AKAMAI (Akamai's Customer Portal). Detailed
     instructions are provided with the SLA Activation Tool on I.AM.AKAMAI; in
     addition, assistance is available from the Customer's Account Manager. The
     SLA will go into effect within five (5) business days after the Customer
     enters valid test files into the SLA Activation Tool.

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