Document:

EXHIBIT 10.18

                                                                  EXECUTION COPY

                             OPTIMAL ROBOTICS CORP.

                                   ("Optimal")

                                       and

                               TERRA PAYMENTS INC.

                                    ("Terra")

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                              COMBINATION AGREEMENT

                                      DATED

                                January 20, 2004

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                                TABLE OF CONTENTS

                                                                            Page

ARTICLE 1 DEFINITIONS AND PRINCIPLES OF INTERPRETATION.........................3
   1.1   Definitions...........................................................3
   1.2   Certain Rules of Interpretation......................................11
   1.3   Entire Agreement.....................................................13
   1.4   Schedule.............................................................13
   1.5   Accounting Matters...................................................13
   1.6   Knowledge............................................................14

ARTICLE 2 THE TRANSACTION.....................................................14
   2.1   The Amalgamation.....................................................14
   2.2   Implementation Steps by Terra........................................14
   2.3   Implementation Steps by Optimal......................................15
   2.4   Joint Proxy Circular.................................................15
   2.5   Closing Matters......................................................16
   2.6   Securities Compliance................................................16
   2.7   Preparation of Filings, etc..........................................16
   2.8   Treatment of Stock Option Plans and Warrants.........................17

ARTICLE 3 REPRESENTATIONS AND WARRANTIES......................................18
   3.1   Representations and Warranties of Terra..............................18
   3.2   Representations and Warranties of Optimal............................33
   3.3   Survival.............................................................45

ARTICLE 4 COVENANTS...........................................................45
   4.1   Retention of Goodwill................................................45
   4.2   Covenants of Terra...................................................45
   4.3   Covenants of Optimal.................................................51
   4.4   Terra Covenants Regarding Non-Solicitation...........................53
   4.5   Matching Rights......................................................55
   4.6   Access to Information................................................56
   4.7   Optimal Board Designees..............................................57
   4.8   Optimal Covenant Regarding Non-Solicitation..........................57
   4.9   Indemnification......................................................57

ARTICLE 5 CONDITIONS..........................................................58
   5.1   Mutual Conditions Precedent..........................................58
   5.2   Additional Conditions Precedent to the Obligations of Optimal........59
   5.3   Additional Conditions Precedent to the Obligations of Terra..........60
   5.4   Notice and Cure Provisions...........................................62
   5.5   Satisfaction of Conditions...........................................63

ARTICLE 6 AMENDMENT AND TERMINATION...........................................63
   6.1   Amendment............................................................63
   6.2   Termination..........................................................64
   6.3   Break and Other Fees.................................................66
   6.4   Remedies.............................................................67

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                                TABLE OF CONTENTS
                                   (continued)

                                                                            Page

ARTICLE 7 GENERAL.............................................................67
   7.1   Notices..............................................................67
   7.2   Assignment...........................................................69
   7.3   Further Assurances...................................................69
   7.4   Expenses.............................................................69
   7.5   Public Notices.......................................................69
   7.6   Execution and Delivery...............................................70

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                              COMBINATION AGREEMENT

THIS AGREEMENT is made the 20th day of January, 2004

B E T W E E N :

                     OPTIMAL ROBOTICS CORP.

                     a corporation governed by the laws of Canada
                     ("Optimal")

                                     - and -

                     TERRA PAYMENTS INC.

                     a corporation governed by the laws of Canada
                     ("Terra")

RECITALS:

A.    Upon the terms and subject to the conditions of this Agreement (as defined
      in Section 1.1) and in accordance with the Canada Business Corporations
      Act, as now in effect and as it may be amended from time to time prior to
      the Effective Time (as defined in Section 1.1) (the "Act") Optimal and
      Terra intend to enter into a business combination transaction.

B.    The Board of Directors of Terra (i) has determined that the Amalgamation
      (as defined in Section 1.1) and the other transactions contemplated herein
      (collectively, the "Transaction") are fair to, and in the best interests
      of, Terra and its shareholders, (ii) has approved this Agreement, the
      Amalgamation and the other transactions contemplated by this Agreement and
      (iii) has determined to recommend that the shareholders of Terra approve
      the Terra Resolution.

THEREFORE, the parties agree as follows:

                                    ARTICLE 1
                          DEFINITIONS AND PRINCIPLES OF
                                 INTERPRETATION

1.1   Definitions

      In this Agreement, unless there is something in the subject matter or
context inconsistent therewith, the following terms shall have the following
meanings respectively:

      "1933 Act" means the United States Securities Act of 1933;

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      "Acquisition Proposal" means any proposal or offer with respect to any
      merger, amalgamation, arrangement, business combination, liquidation,
      dissolution, recapitalization, take-over bid, tender offer, purchase of
      any assets representing greater than 25% of the fair market value of the
      Transaction, or purchase of more than 20% of the equity (or rights
      thereto) of Terra or a Subsidiary of Terra, or similar transactions or
      series of transactions involving Terra or any of its Subsidiaries,
      excluding the Transaction;

      "Act" has the meaning ascribed to it in the Recitals to this Agreement;

      "Affiliate" has the meaning ascribed to it under the Act;

      "Agreement" means this agreement, including all schedules, and all
      amendments or restatements as permitted, and references to "Article" or
      "Section" mean the specified Article or Section of this agreement;

      "Amalco" means the corporation continuing as a result of the Amalgamation;

      "Amalco Common Shares" means the common shares in the capital of Amalco;

      "Amalgamation" means the amalgamation of Optimal Subco and Terra pursuant
      to the provisions of the Act on the terms and subject to the conditions
      set out in the Amalgamation Agreement, subject to any amendments or
      variations thereto made in accordance with this Agreement;

      "Amalgamation Agreement" means an amalgamation agreement providing for the
      Amalgamation in form and content satisfactory to the Parties, acting
      reasonably;

      "Ancillary Documents" means the Schedules to this Agreement and any
      disclosure letters between the Parties as contemplated in this Agreement;

      "AOL Warrant" means a share purchase warrant issued by Terra to AOL Canada
      Inc. entitling the holder thereof to purchase up to 50,000 Terra Shares at
      an exercise price of $61.50 per share from the vesting date of such
      warrant until October 13, 2005;

      "Arm's Length" has the meaning that it has for purposes of the Income Tax
      Act (Canada);

      "Articles of Amalgamation" means the articles of amalgamation of Terra and
      Optimal Subco in respect of the Amalgamation that are required under the
      Act to be filed with the Director";

      "Balance Sheet" means the consolidated balance sheet of Terra as at March
      31, 2003, forming part of the Financial Statements;

      "Break Fee" means $2,000,000;

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      "Business Day" means any day on which commercial deposit taking banks are
      generally open for business in Montreal, Quebec and New York, New York
      other than a Saturday, a Sunday or a day observed as a holiday in such
      locations under applicable Laws;

      "Change of Control" means any proposal or offer with respect to any
      transaction which would result in any Person or group acquiring ownership,
      directly or indirectly, beneficially or of record, of voting stock of
      Optimal representing more than 50% of the then outstanding stock of
      Optimal entitled to vote for members of the Optimal Board.

      "Confidentiality Agreement" means the confidentiality agreement dated
      January 8, 2004 between Terra and Optimal;

      "Contracts" means a contract, lease, instrument, note, bond, debenture,
      mortgage, agreement, arrangement or understanding to which a Party, or any
      of its subsidiaries, is a party or under which a Party or any of its
      subsidiaries is bound, has unfulfilled obligations or contingent
      liabilities or is owed unfulfilled obligations, whether known or unknown,
      whether asserted or not;

      "CVMQ" means the Commission des valeurs mobilieres du Quebec;

      "Director" means the Director appointed pursuant to the Act;

      "Disclosure Letter" means the disclosure letter provided by Terra to
      Optimal concurrently with the execution of the Agreement, in a form and
      with contents that is accepted by Optimal;

      "Dissent Rights" means the rights of dissent in respect of the
      Amalgamation under Section 190 of the Act;

      "EBS Warrant" means the warrant agreement dated April 1, 2003 between
      Terra and EBS Holding AG pursuant to which EBS Holding AG has the
      non-transferable option to receive 0.21 of a Terra Share for each Terra
      Share issued by Terra pursuant to the exercise of Terra Options granted
      prior to April 1, 2003, at an exercise price of $0.01 per 0.21 of a Terra
      Share so issued.

      "Effective Date" means the date shown on the certificate of Amalgamation
      to be issued under the Act giving effect to the Amalgamation;

      "Effective Time" has the meaning ascribed to it in Section 2.5;

      "End User Laws" means Laws or portions of Laws dealing with or pertaining
      to privacy, personal information, data protection, gaming, lotteries,
      gambling, contests, consumer protection, unfair business practices,
      adhesion contracts, unfair business practices, language, import and export
      restrictions, labeling, packaging and any other related Laws, including
      the Consumer Protection Act, S.Q., c. P-40.1 (Quebec), the Charter of
      French Language, S.Q., c. C-11

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      (Quebec), the Act Respecting the Protection of Personal Information in the
      Private Sector, S.Q., c. P-39.1 (Quebec), the Act Respecting a Legal
      Framework for Information Technology, S.Q., c. C-1.1 (Quebec), the Act
      Respecting Lotteries, Publicity Contests and Amusement Machines, S.Q., c.
      L-6 (Quebec) and the Information Protection and Electronic Documents Act
      (Canada);

      "Environmental Laws" means all applicable Laws relating to the environment
      and employee and public health and safety, including any such
      environmental Laws relating to a discharge, spill, emission or other
      release, whether actual or potential of any contaminant and any other
      applicable Laws;

      "Exchange Act" means the United States Securities Exchange Act of 1934;

      "Exchange Ratio" means 0.4532, being 0.4532 Optimal Shares for each Terra
      Share;

      "Financial Statements" means the audited consolidated financial statements
      of Terra for the fiscal year ended March 31, 2003, including the Balance
      Sheet and the notes to such statements and the unaudited consolidated
      financial statements of Terra for the six months ended September 30, 2003;

      "Governmental Authority" means any (a) multinational, federal, provincial,
      state, regional, municipal, local or other government, governmental or
      public department, central bank, court, tribunal, arbitral body,
      commission, board, bureau or agency, domestic or foreign, (b)
      self-regulatory organization or stock exchange, including NASDAQ and TSX,
      (c) any subdivision, agent, commission, board, or authority of any of the
      foregoing, or (d) any quasi-governmental or private body exercising any
      regulatory, expropriation or taxing authority under or for the account of
      any of the foregoing;

      "Holders" means, when used with reference to the Terra Shares, the holders
      thereof shown from time to time in the register maintained by or on behalf
      of Terra in respect of such securities;

      "Intellectual Property" shall mean any or all of the following and all
      common law and statutory rights in, arising out of, or associated
      therewith: (i) patents and applications therefor and all reissues,
      divisions, renewals, extensions, provisionals, re-extensions,
      continuations and continuations-in-part thereof; (ii) inventions (whether
      patentable or not), invention disclosures, improvements, trade secrets,
      proprietary information, know how, technology, processes, procedures,
      technical data, manuals, records and customer lists, and all documentation
      relating to any of the foregoing; (iii) copyrights, copyright
      registrations and applications therefor, and all other rights
      corresponding thereto; (iv) domain names, uniform resource locators and
      other names and locators associated with the Internet, together with the
      goodwill associated therewith; (v) industrial designs or similar rights
      and any registrations and applications therefor; (vi) trade names, logos,
      common law trademarks and service marks, trademark and service mark

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      registrations and applications therefor, together with the goodwill
      associated therewith; (vii) all databases and data collections and all
      rights therein; (viii) all moral and economic rights of authors and
      inventors, however denominated, and (ix) any similar or equivalent rights
      to any of the foregoing (as applicable);

      "Joint Circular" has the meaning ascribed thereto in Section 2.4;

      "Laws" means all applicable laws (including common law), statutes,
      regulations, statutory rules, orders, ordinances, policies and notices
      having the force of law, and the terms and conditions of any approvals,
      licences or judgments of any applicable published notes and policies of
      any Governmental Authority having the force of law, and the term
      "applicable", with respect to such Laws and in the context that refers to
      one or more Persons, means such Laws that apply to such Person or Persons
      or its or their business, undertaking, property or securities and that
      emanate from a Governmental Authority having jurisdiction over the Person
      or Persons or its or their business, undertaking, property or securities;

      "Material Adverse Change" means, with respect to any Party, any change,
      effect, event or occurrence with respect to the condition (financial or
      otherwise), properties, assets, liabilities, obligations (whether
      absolute, accrued, conditional or otherwise), businesses, operations or
      results of operations or prospects of such Party or those of its
      subsidiaries that is, or could reasonably be expected to be, material and
      adverse to such Party and its subsidiaries on a consolidated basis;
      provided, however, that changes in the trading price for such Party's
      shares shall not constitute, or be considered in determining the existence
      of, a Material Adverse Change;

      "Material Adverse Effect" when used in connection with a Party, means any
      effect of a Material Adverse Change relating to such Party;

      "material fact" has the meaning ascribed to it under the Securities Act
      (Ontario);

      "Meetings" means the Optimal Meeting and the Terra Meeting;

      "NASDAQ" means The NASDAQ Stock Market;

      "New Terra Option" has the meaning ascribed thereto in Section 2.8;

      "Optimal Balance Sheet" means the consolidated balance sheet of Optimal as
      at December 31, 2002, forming part of the Optimal Financial Statements;

      "Optimal Benefit Plans" means all plans, arrangements, agreements,
      programs, policies, practices or undertakings, whether oral or written,
      formal or informal, funded or unfunded, registered or unregistered to
      which Optimal or its Subsidiaries is a party or bound by or under which
      Optimal or its Subsidiaries has, or will have, any liability or contingent
      liability, relating to: pension plans, insurance plans (whether insured or
      self-insured) or compensation plans with respect to any of its employees
      or former employees (or any spouses, dependants,

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      survivors or beneficiaries of any such employees or former employees),
      directors or officers, individuals working on contract with Optimal or its
      Subsidiaries or other individuals providing services to it of a kind
      normally provided by employees or eligible dependants of such person;

      "Optimal Board" has the meaning ascribed to it in Section 4.7;

      "Optimal Disclosure Letter" means the disclosure letter provided by
      Optimal to Terra concurrently with the execution of this Agreement in a
      form and with contents that is accepted by Terra;

      "Optimal Financial Statements" means the audited consolidated financial
      statements of Optimal for the fiscal year ended December 31, 2002,
      including the Optimal Balance Sheet and the notes thereto and the
      unaudited consolidated financial statements of Optimal for the nine months
      ended September 30, 2003;

      "Optimal Meeting" means the annual and special meeting of Optimal
      Shareholders, including any adjournment or postponement thereof, to be
      called and held in accordance with applicable Laws and this Agreement to
      consider, among other things, the Optimal Resolution;

      "Optimal Meeting Date" has the meaning ascribed to it in Section 2.3(a);

      "Optimal Registered Intellectual Property" means all of the Registered
      Intellectual Property owned by, or filed in the name of, Optimal or any of
      its Subsidiaries and that is material to the conduct of Optimal's
      business;

      "Optimal Resolution" means the resolution of the Optimal Shareholders to
      authorize the issue of the Optimal Shares in order to implement the
      Transaction;

      "Optimal Shareholders" means all of the holders of securities of Optimal
      entitled to vote in respect of the Optimal Resolution;

      "Optimal Shares" means the Class "A" shares in the capital of Optimal;

      "Optimal Subco" means a wholly-owned subsidiary of Optimal to be
      incorporated under the laws of Canada for the purpose of amalgamating with
      Terra pursuant to the Amalgamation Agreement;

      "OSC" means the Ontario Securities Commission;

      "Outside Date" means, subject to Section 5.4(b), May 31, 2004 or such
      later date as may be mutually agreed by the Parties;

      "Party" or "Parties" means a signatory or the signatories to this
      Agreement, respectively;

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      "Person" includes any individual, sole proprietorship, partnership, firm,
      entity, limited partnership, limited liability company, unlimited
      liability company, unincorporated association, unincorporated syndicate,
      unincorporated organization, trust, body, corporation, or Governmental
      Authority, and where the context requires any of the foregoing when they
      are acting as trustee, executor, administrator or other legal
      representative;

      "Pre-Effective Date Period" means the period from the time of the
      execution and delivery of this Agreement between the Parties and the
      closing of the Transaction on the Effective Date, subject to the earlier
      termination of this Agreement in accordance with its terms;

      "Publicly Disclosed by Optimal" means disclosed by Optimal in a public
      filing made by it with the SEC or the OSC on the EDGAR or SEDAR systems,
      respectively, from December 31, 2002 to the date hereof;

      "Publicly Disclosed by Terra" means disclosed by Terra in a public filing
      made by it with the CVMQ on the SEDAR system from March 31, 2003 to the
      date hereof;

      "Registered Intellectual Property" means all Intellectual Property that is
      the subject of an application, certificate, filing, registration or other
      document issued, filed with, or recorded by any private, state, government
      or other legal authority;

      "Regulatory Approvals" means those sanctions, rulings, consents, orders,
      exemptions, permits, waivers, agreements, certificates and other approvals
      (including the lapse, without objection, of a prescribed time under a
      statute or regulation that states that a transaction may only be
      implemented if a prescribed time lapses following the giving of notice
      without an objection being made) of any Governmental Authority, the
      failure of which to be obtained would cause the consummation of the
      Transaction to result in the contravention or breach of any Laws, as set
      out in Schedule 3.1 to this Agreement;

      "Representatives" has the meaning ascribed to it in Section 4.6(a);

      "SEC" means the United States Securities and Exchange Commission;

      "Securities Act" means the Securities Act (Quebec);

      "subsidiary" or "Subsidiary" means, with respect to a specified body
      corporate, any body corporate of which more than 50% of the outstanding
      shares ordinarily entitled to elect a majority of the board of directors
      thereof (whether or not shares of any other class or classes shall or
      might be entitled to vote upon the happening of any event or contingency)
      are at the time owned directly or indirectly by such specified body
      corporate, and shall include any body corporate, partnership, joint
      venture or other entity over which it exercises direction or control or
      which is in a like relation to a subsidiary;

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      "Superior Proposal" means any bona fide written Acquisition Proposal that,
      in the good faith determination of the board of directors of Terra after
      consultation with its financial advisors and with outside counsel, (a) is
      reasonably capable of being completed, taking into account all legal,
      financial, regulatory and other aspects of such proposal and the party
      making such proposal, and (b) would, if consummated in accordance with its
      terms, reasonably be expected to result in a transaction more favourable
      to the Terra Shareholders, from a financial point of view, than the
      Transaction;

      "Tax" and "Taxes" means, with respect to any entity, all income taxes
      (including any tax on or based upon net income, gross income, income as
      specially defined, earnings, profits or selected items of income, earnings
      or profits) and all surtaxes, capital taxes, gross receipts taxes,
      environmental taxes, sales taxes, use taxes, ad valorem taxes, value added
      taxes, land transfer taxes, transfer taxes, franchise taxes, license
      taxes, withholding taxes or other withholding obligations, payroll taxes,
      employment taxes, Canada or Quebec Pension Plan premiums, excise,
      severance, social security premiums, workers' compensation premiums,
      employment insurance or compensation premiums, stamp taxes, occupation
      taxes, premium taxes, property taxes, windfall profits taxes, alternative
      or add-on minimum taxes, goods and services tax, harmonized sales tax,
      customs duties and import and export duties or other taxes of any kind
      whatsoever, together with any interest and any penalties or additional
      amounts imposed by any taxing authority (domestic or foreign) on such
      entity or for which such entity is responsible;

      "Tax Act" means the Income Tax Act (Canada);

      "Tax Returns" means all returns, reports, claims for refund, declarations,
      statements and other documents (whether in tangible, electronic or other
      form) and including any amendments, schedules, attachments, supplements
      and exhibits thereto, made, prepared, filed or required by any
      Governmental Authority to be made, prepared or filed in respect of Taxes;

      "Terra Benefit Plans" means all plans, arrangements, agreements, programs,
      policies, practices or undertakings, whether oral or written, formal or
      informal, funded or unfunded, registered or unregistered to which Terra or
      its subsidiaries is a party or bound by or under which Terra or its
      Subsidiaries has, or will have, any liability or contingent liability,
      relating to: pension plans, insurance plans (whether insured or
      self-insured) or compensation plans with respect to any of its employees
      or former employees (or any spouses, dependants, survivors or
      beneficiaries of any such employees or former employees), directors or
      officers, individuals working on contract with Terra or its subsidiaries
      or other individuals providing services to it of a kind normally provided
      by employees or eligible dependants of such person;

      "Terra Broker Warrants" means the 186,667 broker warrants to purchase an
      aggregate of 186,667 units at an exercise price of $3.90 per unit at any
      time on or prior to December 19, 2005, each unit comprised of one Terra
      Share and one-half

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      of one common share purchase warrant, each whole common share purchase
      warrant exercisable for one Terra Share at an exercise price of $4.50 per
      share at any time on or prior to December 19, 2005;

      "Terra Documents" has the meaning given to it in Section 3.1(u);

      "Terra Intellectual Property" shall mean any Intellectual Property that is
      owned by, or licensed to, Terra and its Subsidiaries and that is material
      to the conduct of Terra's business;

      "Terra Meeting" means the special meeting of Terra Shareholders, including
      any adjournment or postponement thereof, to be called and held to consider
      the Terra Resolution;

      "Terra Meeting Date" has the meaning given to it in Section 2.2(a);

      "Terra Options" means the options granted under the Terra Stock Option
      Plan to purchase Terra Shares;

      "Terra Registered Intellectual Property" means all of the Registered
      Intellectual Property owned by, or filed in the name of, Terra or any of
      its Subsidiaries and that is material to the conduct of Terra's business;

      "Terra Resolution" means the special resolution of the Terra Shareholders,
      approving the Amalgamation in form and content satisfactory to the
      Parties, acting reasonably;

      "Terra Shareholders" means holders of Terra Shares;

      "Terra Shares" means the common shares in the capital of Terra;

      "Terra Stock Option Plan" means the Stock Option Plan of Terra, as amended
      to the date hereof;

      "Terra Warrants" means the 1,333,334 share purchase warrants to purchase
      an aggregate of 1,333,334 Terra Shares at an exercise price of $4.50 per
      share at any time on or prior to December 19, 2005 and the 93,333 common
      share purchase warrants underlying the Terra Broker Warrants;

      "Transaction" has the meaning ascribed to it in the Recitals to this
      Agreement; and

      "TSX" means The Toronto Stock Exchange Inc.

1.2   Certain Rules of Interpretation

      In this Agreement:

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      (a)   Consent - Whenever a provision of this Agreement requires an
            approval or consent, such approval or consent shall be provided in
            writing and if such approval or consent is not delivered within the
            applicable time limit, then, unless otherwise specified, the Party
            whose consent or approval is required shall be conclusively deemed
            to have withheld its approval or consent. Unless otherwise
            specified, whenever a provision of this Agreement requires an
            approval or consent, such consent or approval shall not be
            unreasonably withheld by the Party that is requested to provide it.

      (b)   Currency - Unless otherwise specified, all references to money
            amounts are to lawful currency of Canada.

      (c)   Governing Law - This Agreement is a contract made under and shall be
            governed by and construed in accordance with the laws of the
            Province of Quebec and the federal laws of Canada applicable in the
            Province of Quebec.

      (d)   Headings - Headings of Articles and Sections are inserted for
            convenience of reference only and shall not affect the construction
            or interpretation of this Agreement.

      (e)   Including - Where the word "including" or "includes" is used in this
            Agreement, it means "including (or includes) without limitation".

      (f)   No Strict Construction - The language used in this Agreement is the
            language chosen by the Parties to express their mutual intent, and
            no rule of strict construction shall be applied against any Party.

      (g)   Number and Gender - Unless the context otherwise requires, words
            importing the singular include the plural and vice versa and words
            importing gender include all genders.

      (h)   Severability - If, in any jurisdiction, any provision of this
            Agreement or its application to any Party or circumstance is
            restricted, prohibited or unenforceable, such provision shall, as to
            such jurisdiction, be ineffective only to the extent of such
            restriction, prohibition or unenforceability without invalidating
            the remaining provisions of this Agreement and without affecting the
            validity or enforceability of such provision in any other
            jurisdiction or without affecting its application to the other Party
            or other circumstances.

      (i)   Statutory references - A reference to a statute includes all rules
            and regulations made pursuant to such statute and, unless otherwise
            specified, the provisions of any statute or regulation or rule which
            amends, supplements or supersedes any such statute or any such
            regulation or rule.

      (j)   Time - Time is of the essence in the performance of the Parties'
            respective obligations.

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      (k)   Time Periods - Unless otherwise specified, time periods within or
            following which any payment is to be made or act is to be done shall
            be calculated by excluding the day on which the period commences and
            including the day on which the period ends and by extending the
            period to the next Business Day following if the last day of the
            period is not a Business Day.

      (l)   Subsidiaries - To the extent any covenants or agreements contained
            in this Agreement relate, directly or indirectly, to a Subsidiary of
            any Party, each such provision shall be construed as a covenant by
            such Party to cause (to the fullest extent to which it is legally
            capable) such Subsidiary to perform the required action.

1.3   Entire Agreement

      This Agreement, together with the agreements and other documents required
to be delivered pursuant to this Agreement, constitutes the entire agreement
between the Parties and sets out all the covenants, promises, warranties,
representations, conditions, understandings and agreements between the Parties
pertaining to the subject matter of this Agreement and supersedes all prior
agreements, understandings, negotiations and discussions, whether oral or
written, it being understood that the Confidentiality Agreement (except for
sections 13 and 14 thereof) shall continue in full force and effect until the
closing of the transactions contemplated hereby and shall survive any
termination of this Agreement. No reliance has been made upon, and there are no
covenants, promises, warranties, representations, conditions, understandings or
other agreements, oral or written, between the Parties in connection with the
subject matter of this Agreement except as specifically set forth in this
Agreement and any document required to be delivered pursuant to this Agreement.

1.4   Schedule

      The schedule to this Agreement, as listed below, is an integral part of
this Agreement:

      Schedule          Description
      --------          -----------
      3.1               Regulatory Approvals

1.5   Accounting Matters

      Unless otherwise stated, all accounting terms used in this Agreement in
respect of any Party shall have the meanings attributable thereto under Canadian
generally accepted accounting principles and all determinations of an accounting
nature in respect of any Party required to be made shall be made in a manner
consistent with Canadian generally accepted accounting principles and such
Party's past practice.

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1.6   Knowledge

      (a)   Any reference to the knowledge of Optimal shall mean to the best of
            the knowledge, information and belief of the persons listed in the
            Optimal Disclosure Letter after reviewing all relevant records and
            making reasonable inquiries regarding the relevant matter of their
            direct reports.

      (b)   Any reference to the knowledge of Terra shall mean to the best of
            the knowledge, information and belief of the persons listed in the
            Disclosure Letter after reviewing all relevant records and making
            reasonable inquiries regarding the relevant matter of their direct
            reports.

                                    ARTICLE 2
                                 THE TRANSACTION

2.1   The Amalgamation

      Subject to the terms and conditions of this Agreement, the Parties agree
that Terra and Optimal Subco will amalgamate pursuant to the Act on the terms
and conditions set forth herein, as a result of which, among other things, each
Holder of Terra Shares will be entitled to receive the number of Optimal Shares
per Terra Share equal to the Exchange Ratio.

      2.2 Implementation Steps by Terra

      Terra covenants in favour of Optimal that Terra shall:

      (a)   subject to Section 2.4, convene and hold the Terra Meeting as soon
            as practicable after the date hereof, but in any case, before April
            30, 2004 (the "Terra Meeting Date") for the purpose of considering
            the Terra Resolution and, with the consent of Optimal, for any other
            proper purpose as may be set out in the notice for such meeting;

      (b)   subject to Section 4.5(a) and Section 5.4(b), except as required for
            quorum purposes, not postpone or cancel (or propose the adjournment,
            postponement or cancellation of) the Terra Meeting without Optimal's
            prior written consent, except as required by Law or by the Terra
            Shareholders;

      (c)   use commercially reasonable efforts to solicit from the Terra
            Shareholders proxies in favour of the approval of the Terra
            Resolution, including, if so requested by Optimal, using the
            services of dealers and proxy solicitation services and take all
            other action that is necessary or desirable to secure the approval
            of the Terra Resolution by the Terra Shareholders, except to the
            extent that the Terra board of directors has changed its
            recommendation in accordance with the terms of this Agreement; and

                                      -14-
<PAGE>

      (d)   subject to the satisfaction or waiver of the conditions herein
            contained in favour of each Party, on the date contemplated in
            Section 2.5, send to the Director, for immediate endorsement and
            filing by the Director, the Articles of Amalgamation and such other
            documents as may be required in connection therewith under the Act
            to give effect to the Transaction so that, on the Effective Date,
            Terra and Optimal Subco shall amalgamate and continue as one
            corporation under the Act on the terms and conditions set out in the
            Amalgamation Agreement.

2.3   Implementation Steps by Optimal

      Optimal covenants in favour of Terra that Optimal shall:

      (a)   subject to Section 2.4, convene and hold the Optimal Meeting as soon
            as practicable after the date hereof, but in any case, before April
            30, 2004 (the "Optimal Meeting Date") for the purpose of, among
            other things, considering the Optimal Resolution (and for any other
            proper purpose not in contravention of Section 4.3 as may be set out
            in the notice for such meeting);

      (b)   subject to Section 5.4(b), except as required for quorum purposes or
            to enable the Optimal Meeting to occur on the same day as the Terra
            Meeting, in the event that the Terra Meeting is adjourned, postponed
            or cancelled, not adjourn, postpone or cancel (or propose for
            adjournment, postponement or cancellation) the Optimal Meeting
            without Terra's prior written consent, except as required by Laws or
            by the Optimal Shareholders; and

      (c)   use commercially reasonable efforts to solicit from the Optimal
            Shareholders proxies in favour of the approval of the Optimal
            Resolution in accordance with the practices generally followed in
            Optimal's jurisdiction in similar circumstances and to take all
            other action that is necessary to secure the approval of the Optimal
            Resolution by the Optimal Shareholders, except to the extent that
            the Optimal board of directors has changed its recommendation in
            accordance with the terms of this Agreement.

2.4   Joint Proxy Circular

      As promptly as reasonably practical after the execution of this Agreement,
the Parties shall prepare and complete in consultation with each other, a joint
proxy circular concerning the Transaction (the "Joint Circular"). As promptly as
reasonably practicable thereafter, subject to obtaining any required Regulatory
Approvals in connection with the mailing of the Joint Circular, each Party shall
cause such Joint Circular and other documentation required in connection with
the respective Meetings to be mailed to their respective securityholders in
connection with the Meetings, and filed in all jurisdictions where the same is
required, all in accordance with Laws. Each Party, to

                                      -15-
<PAGE>

the extent required, shall also, as soon as reasonably practicable in
consultation with the other Party, prepare, mail and file any unique materials
required in connection with each Party's respective Meeting.

2.5   Closing Matters

      The Effective Date shall be the third Business Day following the later of
the Optimal Meeting Date, the Terra Meeting Date and the date upon which the
last Regulatory Approval is obtained, or such later date as the Parties may
agree in writing. Closing shall take place at the offices of Osler, Hoskin &
Harcourt LLP, 1000 de La Gauchetiere Street West, Suite 2100, Montreal, Quebec
H3B 4W5 at 9:00 a.m. on the Effective Date (the "Effective Time") or at such
other place, date and time as the Parties shall agree. Each of Optimal and Terra
shall deliver, at the closing of the Transaction, such customary certificates,
resolutions and other customary closing documents as may be required by the
other Party, acting reasonably.

2.6   Securities Compliance

      Optimal shall use commercially reasonable efforts to obtain all orders, if
any, required from applicable Canadian and United States securities regulatory
authorities to permit the offer, sale and issuance of the Optimal Shares to be
issued pursuant to the Transaction and to be issued upon exercise of the New
Terra Options and to permit the resale of such Optimal Shares over NASDAQ or
otherwise in the United States, without any hold period (subject to compliance
with section 4(4) of the 1933 Act), qualification with or approval of or the
filing of any prospectus, or the taking of any proceeding with, or the obtaining
of any further order, ruling or consent from, any Governmental Authority under
any United States or Canadian federal, state, provincial or territorial
securities or other United States or Canadian Laws or pursuant to the rules and
regulations of any regulatory authority administering such United States or
Canadian Laws, or the fulfilment of any other legal requirement in the United
States or any such Canadian jurisdiction (other than, with respect to such
resale, any restrictions on transfer by reason of a holder being a "control
person" of Optimal for purposes of Canadian federal, provincial or territorial
securities Laws or similar Laws in the United States).

2.7   Preparation of Filings, etc.

      (a)   Each of Optimal and Terra shall furnish to the other all information
            that may be required under Law to be provided concerning such Party
            and its shareholders for the Joint Circular and the implementation
            of the other actions described in Section 2.4 and Section 2.6. Each
            Party covenants with the other that information to be furnished by
            it (to its knowledge in the case of information concerning its
            shareholders) in connection with the Joint Circular, actions or
            otherwise in connection with the consummation of the Transaction
            will not contain any untrue statement of a material fact or omit to
            state a material fact required to be stated in any such document

                                      -16-
<PAGE>

            or which is necessary in order to make any information so furnished
            for use in any such document not misleading in the light of the
            circumstances in which it is furnished.

      (b)   Optimal and Terra shall each promptly notify the other if, at any
            time before the Effective Time, it becomes aware that the Joint
            Circular, an application for an order or any other document
            described in Section 2.6 contains any untrue statement of a material
            fact or omits to state a material fact required to be stated therein
            or which is necessary to make the statements contained therein not
            misleading in light of the circumstances in which they are made, or
            that otherwise requires an amendment or supplement to the Joint
            Circular or such application or other document. In any such event,
            Optimal and Terra shall cooperate in the preparation of a supplement
            or amendment to the Joint Circular or such application or other
            document, as required and as the case may be, and, if required,
            shall cause the same to be distributed to shareholders of Optimal or
            Terra and/or filed with the relevant Governmental Authorities.

2.8   Treatment of Stock Option Plans and Warrants

      (a)   Each Terra Option granted prior to the Effective Time that remains
            outstanding immediately prior to the Effective Time shall cease to
            represent a right to acquire Terra Shares and as at and from the
            Effective Time shall represent an option (a "New Terra Option") to
            acquire, on the same terms and conditions as were applicable under
            the Terra Option that number of Optimal Shares determined by
            multiplying the number of Terra Shares subject to the Terra Option
            by the Exchange Ratio, rounded to the nearest whole Optimal Share,
            at a price per Optimal Share equal to the Terra Option per share
            exercise price divided by the Exchange Ratio (rounded off to the
            nearest cent);

      (b)   From and after the Effective Time, the Terra Warrants, the Terra
            Broker Warrants, the EBS Warrant and the AOL Warrant shall cease to
            represent a right to acquire Terra Shares and shall represent a
            warrant to acquire, on the same terms and conditions as were
            applicable under such warrants that number of Optimal Shares
            determined by multiplying the number of Terra Shares subject to the
            Terra Warrants, the Terra Broker Warrants, the EBS Warrant and the
            AOL Warrant, as the case may be, by the Exchange Ratio (rounded to
            the nearest whole Optimal Share other than in respect of the EBS
            Warrant which shall be dealt with accordance with section 2.6
            thereof) at a price per Optimal Share equal to the applicable per
            share exercise price divided by the Exchange Ratio (rounded off to
            the nearest cent);

      (c)   Prior to the Effective Date and conditional upon the consummation of
            the Transaction, Terra shall grant to certain of its employees Terra
            Options to acquire in the aggregate 1,289,720 Terra Shares on the
            terms and

                                      -17-
<PAGE>

            conditions set out in the Disclosure Letter. The allocation of such
            Terra Options among Terra employees shall be determined by mutual
            agreement of Terra and Optimal, acting reasonably;

      (d)   Prior to the Effective Date, the employees of Terra listed in the
            Disclosure Letter shall have agreed to waive acceleration of the
            vesting of the Terra Options held by them which results from the
            completion of the Transaction, and shall have agreed that all Terra
            Options held by them, whether or not then vested, will vest on the
            same dates and in the same proportions as the first options issued
            to any senior officer of Optimal following the date of this
            Agreement.

      (e)   As soon as practicable after the Effective Time, Optimal shall
            deliver or cause to be delivered to the holders of New Terra
            Options, Terra Warrants, Terra Broker Warrants, the EBS Warrant and
            the AOL Warrant appropriate notices setting forth such holders'
            rights pursuant to the Terra Stock Option Plan and such other
            options and warrants, and agreements evidencing the New Terra
            Options and such other amended options and warrants as altered in
            accordance with Section 2.8(a) and Section 2.8(b) and stating that
            such New Terra Options and other options and warrants have been
            assumed by Optimal and shall continue in effect on the same terms
            and conditions (subject to the adjustments required by this Section
            2.8); and

      (f)   No later than five Business Days from the Effective Date, Optimal
            shall either amend its registration on Form S-8 filed with the SEC
            or file a new registration statement on Form S-8 with the SEC with
            respect to the Optimal Shares issuable upon the exercise of New
            Terra Options and shall maintain the effectiveness of such
            registration statement for so long as the New Terra Options remain
            outstanding.

                                    ARTICLE 3
                         REPRESENTATIONS AND WARRANTIES

3.1   Representations and Warranties of Terra

      Terra represents and warrants to and in favour of Optimal as follows and
acknowledges that Optimal is relying upon such representations and warranties in
connection with the matters contemplated by this Agreement:

      (a)   Organization. Each of Terra and its Subsidiaries has been duly
            incorporated or formed under the laws of its respective jurisdiction
            of incorporation, is validly existing and has all necessary
            corporate or legal power, authority, and capacity to own its
            property and assets and to carry on its business as currently owned
            and conducted. Except as set out in the Disclosure Letter, all
            Subsidiaries are wholly owned, directly or indirectly, by Terra.
            Except as set out in the Disclosure Letter, all of the outstanding

                                      -18-
<PAGE>

            shares and other ownership interests of its Subsidiaries which are
            held directly or indirectly by Terra are validly issued, fully paid
            and non-assessable, and except as set forth in the Disclosure Letter
            or for encumbrances in connection with security granted by Terra to
            its lenders in the ordinary course of business which are not in
            default, all such shares and other ownership interests are owned
            directly or indirectly by Terra, free and clear of all material
            liens, claims or encumbrances. There are no outstanding options,
            rights, entitlements, understandings or commitments (contingent or
            otherwise) regarding the right to acquire any such shares or other
            ownership interests in any of Terra's Subsidiaries. The Disclosure
            Letter sets out the names and jurisdictions of incorporation of each
            of Terra's Subsidiaries.

      (b)   Capitalization. The authorized capital of Terra consists of an
            unlimited number of Terra Shares and an unlimited number of
            preferred shares. As of the date hereof, there are 15,978,216 Terra
            Shares (and no more) and no preferred shares issued and outstanding.
            In addition, as at the date hereof, options to acquire an aggregate
            of not more than 995,045 Terra Shares have been granted and are
            outstanding under the Terra Stock Option Plan, 1,613,334 Terra
            Shares may be issued upon the exercise of the Terra Warrants, 50,000
            Terra Shares may be issued upon the exercise of the AOL Warrant and
            up to 59,368 Terra Shares may be issued upon the exercise of the EBS
            Warrant. Except for such options, warrants and broker warrants as
            are described in the preceding sentence of this Section 3.1(b),
            there are no options, warrants, conversion privileges or other
            rights, agreements, arrangements or commitments (pre-emptive,
            contingent or otherwise) obligating Terra or any of its Subsidiaries
            to issue or sell any shares of Terra or of any such Subsidiary or
            securities or obligations of any kind convertible into or
            exchangeable for any shares of Terra or any of its Subsidiaries. All
            outstanding Terra Shares have been duly authorized and are validly
            issued and outstanding as fully paid and non-assessable shares, free
            of pre-emptive rights. There are no outstanding bonds, debentures or
            other evidences of indebtedness of Terra or any of its Subsidiaries
            having the right to vote (or that are convertible for or exercisable
            into securities having the right to vote) with the Holders of the
            Terra Shares on any matter. Except as set out in the Disclosure
            Letter, neither Terra nor any of its Subsidiaries have any
            obligation to repurchase, redeem or otherwise acquire any of its
            outstanding securities or with respect to the voting or disposition
            of any outstanding securities of any of Terra Subsidiaries. No
            holder of securities issued by Terra or any of its Subsidiaries has
            any right to compel Terra to register or otherwise qualify
            securities for public sale in Canada or the United States or
            elsewhere.

      (c)   Authority and No Violation.

            (i)   Terra has the necessary corporate power, authority and
                  capacity to enter into, and to perform its obligations under,
                  this Agreement.

                                      -19-
<PAGE>

                  The execution and delivery of this Agreement by Terra and the
                  consummation by Terra of the transactions contemplated by this
                  Agreement have been duly authorized by its board of directors
                  and no other corporate proceedings on its part are necessary
                  to authorize this Agreement or the transactions contemplated
                  under this Agreement, other than:

                  (A)   with respect to the Joint Circular and other matters
                        relating solely thereto, the approval of the board of
                        directors of Terra; and

                  (B)   with respect to the completion of the Amalgamation, the
                        approval of the Terra Shareholders as described in
                        Article 2.

            (ii)  This Agreement has been duly executed and delivered by Terra
                  and constitutes a legal, valid and binding obligation of
                  Terra, enforceable against Terra in accordance with its terms,
                  subject to bankruptcy, insolvency and other applicable Laws
                  affecting creditors' rights generally, and to general
                  principles of equity.

            (iii) The board of directors of Terra has (A) unanimously determined
                  as of the date hereof that the Transaction is fair to the
                  Terra Shareholders and is in the best interest of Terra, (B)
                  received a written opinion of Terra's financial advisor,
                  McColl Partners, LLC, rendered to the board of directors of
                  Terra and dated the date of this Agreement that, as of the
                  date of the opinion and based upon and subject to the various
                  assumptions and limitations set forth in the opinion, the
                  Exchange Ratio for the Optimal Shares proposed to be received
                  by the Terra Shareholders in exchange for their Terra Shares
                  in connection with the Transaction is fair to Terra
                  Shareholders from a financial point of view and (C) determined
                  as of the date hereof to unanimously recommend that the Terra
                  Shareholders vote in favour of the Terra Resolution. Terra's
                  directors have advised Terra that they intend to vote Terra
                  Shares held by them in favour of the Terra Resolution and will
                  so represent in the Joint Circular.

            (iv)  The authorization of this Agreement, the execution and
                  delivery by Terra of this Agreement and the performance by it
                  of its obligations hereunder and the completion of the
                  Transaction will not, except as set out in the Disclosure
                  Letter:

                  (A)   result (with or without notice or the passage of time)
                        in a violation or breach of, or constitute a default
                        under, require any consent to be obtained under or give
                        rise to any third party right of termination,
                        cancellation, acceleration,

                                      -20-
<PAGE>

                        penalty or payment obligation or right of purchase or
                        sale under, any provision of:

                        A.    Terra's or any of its Subsidiaries' certificate of
                              incorporation, articles, by-laws or other charter
                              documents or any agreement with a shareholder;

                        B.    any Laws (subject to obtaining the Regulatory
                              Approvals), except to the extent that the
                              violation or breach of, or failure to obtain any
                              consent would not, individually or in the
                              aggregate, reasonably be expected to prevent or
                              delay the Transaction or have a Material Adverse
                              Effect on Terra; or

                        C.    any Contract, licence, permit or government grant
                              to which Terra or any of its Subsidiaries is party
                              or by which it is bound, except as would not,
                              individually or in the aggregate, reasonably be
                              expected to prevent or delay the Transaction or
                              have a Material Adverse Effect on Terra;

                  (B)   give rise to any right of termination or acceleration of
                        indebtedness of Terra or any of its Subsidiaries, or
                        cause any such indebtedness to come due before its
                        stated maturity, or cause any available credit of Terra
                        or any of its Subsidiaries to cease to be available,
                        except as would not, individually or in the aggregate,
                        reasonably be expected to prevent or delay the
                        Transaction or have a Material Adverse Effect on Terra;

                  (C)   result in the imposition of any encumbrance, charge or
                        lien upon any of Terra's assets or the assets of any of
                        its Subsidiaries, except as would not, individually or
                        in the aggregate, reasonably be expected to prevent or
                        delay the Transaction or have a Material Adverse Effect
                        on Terra;

                  (D)   restrict, hinder, impair or limit the ability of Terra
                        or any of its Subsidiaries to carry on the business of
                        Terra or any of its Subsidiaries as and where it is now
                        being carried on, except as would not, individually or
                        in the aggregate, reasonably be expected to prevent or
                        delay the Transaction or have a Material Adverse Effect
                        on Terra; or

                  (E)   result in any payment (including retention, severance,
                        unemployment compensation, golden parachute, bonus or
                        otherwise) becoming due to any director, officer or
                        employee of Terra or any of its Subsidiaries or increase
                        any

                                      -21-
<PAGE>

                        benefits otherwise payable under any Terra Benefit Plan
                        or result in the acceleration of time of payment or
                        vesting of any such benefits, including the time of
                        exercise of stock options.

            (v)   No consent, approval, order or authorization of, or
                  declaration or filing with, any Governmental Authority is
                  required to be obtained by Terra and its Subsidiaries in
                  connection with the execution and delivery of this Agreement
                  or the consummation by Terra of the Transaction other than (A)
                  filings under the Act contemplated by this Agreement, (B) the
                  Regulatory Approvals relating to Terra, (C) filings under the
                  Securities Act, stock exchange rules and similar Laws as
                  contemplated by this Agreement or to provide notice of the
                  Transaction and (D) any other consents, approvals, orders,
                  authorizations, declarations or filings of or with a
                  Governmental Authority which, if not obtained, could not,
                  individually or in the aggregate, reasonably be expected to
                  prevent or delay the Transaction or have a material affect on
                  Terra.

      (d)   Financial Statements. The Financial Statements have been prepared in
            accordance with generally accepted accounting principles in Canada
            and applicable Laws. Such Financial Statements present fairly, in
            all material respects, the consolidated financial position and
            results of operations of Terra as of the respective dates thereof
            and for the respective periods covered thereby applied on a basis
            consistent with the immediately prior period and throughout the
            periods indicated (except as may be indicated expressly in the notes
            thereto) and in the case of unaudited statements, to normal,
            recurring year-end adjustments and the absence of notes applicable
            to audited year-end financial statements. Such Financial Statements
            reflect appropriate and adequate reserves in respect of contingent
            liabilities, if any, of Terra and its Subsidiaries on a consolidated
            basis.

      (e)   Indebtedness for Borrowed Money and Contingent Liabilities. Except
            as set forth in the Disclosure Letter, or as Publicly Disclosed by
            Terra, or for liabilities and obligations incurred in the ordinary
            course of business consistent with past practice since the date of
            the Balance Sheet, neither Terra nor any of its Subsidiaries has any
            liabilities or obligations of any nature (whether accrued, absolute,
            contingent or otherwise) except for those that could not, in the
            aggregate, reasonably be expected to have a Material Adverse Effect
            on Terra. Neither Terra or any of its Subsidiaries has any
            indebtedness for borrowed money.

      (f)   Absence of Certain Changes or Events. Except as set out in the
            Disclosure Letter or as Publicly Disclosed by Terra, since the date
            of the Balance Sheet each of Terra and its Subsidiaries has
            conducted its business only in

                                      -22-
<PAGE>

            the ordinary course of business consistent with past practice and
            there has not occurred:

            (i)   a Material Adverse Change with respect to Terra or any
                  circumstances or events that could individually or in the
                  aggregate, reasonably be expected to give rise to a Material
                  Adverse Change with respect to Terra;

            (ii)  any material damage, destruction or loss not fully covered by
                  insurance;

            (iii) any redemption, repurchase or other acquisition of Terra
                  Shares by Terra or Terra Benefits Plans, or any declaration,
                  setting aside or payment of any dividend or other distribution
                  (whether in cash, shares or property) with respect to Terra
                  Shares;

            (iv)  any increase in or modification of the compensation payable or
                  to become payable by it to any of its directors or officers,
                  or any grant to any director, officer or employee of any
                  increase in entitlements under, or general institution of,
                  retention, severance or termination programs or pay other than
                  annual increases consistent with past practice or as a result
                  of promotions in the ordinary course of business;

            (v)   any increase in or modification of any bonus, pension,
                  retention, insurance or benefit arrangement (including the
                  granting of stock options, restricted stock awards or stock
                  appreciation rights) made to, for or with any of such
                  directors, officers or employees other than annual increases
                  consistent with past practice, as required under Law or as a
                  result of promotions in the ordinary course of business;

            (vi)  any acquisition or sale by it of any material asset(s) or
                  investment except in the ordinary course of business with
                  Subsidiaries or Arm's Length Persons consistent with past
                  practice;

            (vii) a material change in the level of its accounts receivable or
                  payable, or employees other than in the ordinary course;

           (viii) any entering into by it, or an amendment by it of, any
                  material Contract other than in the ordinary course of
                  business with subsidiaries or Arm's Length Persons consistent
                  with past practice;

            (ix)  relinquishment, termination or non-renewal by it of any
                  material Contracts;

            (x)   any creation or assumption by it of any hypothec, mortgage,
                  pledge, security interest or lien or other encumbrance on any
                  asset

                                      -23-
<PAGE>

                  except to Arm's Length Persons in the ordinary course of
                  business consistent with past practice;

            (xi)  any resolution to approve a split, consolidation or
                  reclassification of any of its outstanding shares;

            (xii) any change in its accounting methods, policies or practices or
                  revaluation of assets;

           (xiii) any guarantee by it of the payment of material indebtedness
                  or any incurrence by it of material indebtedness for money
                  borrowed or any issue or sale by it of any debt securities or
                  securities convertible or exchangeable for debt securities;

            (xiv) any satisfaction or settlement by it of any material claims or
                  liabilities that were not reflected in the Balance Sheet,
                  other than settlement of liabilities incurred in the ordinary
                  course of business with Arm's Length Persons consistent with
                  past practice;

            (xv)  any entering into by it into any licensing or other agreement
                  with regard to the acquisition or disposition of any
                  Intellectual Property other than licenses in the ordinary
                  cause of business consistent with past practice; or

            (xvi) any agreement by it to do any of the foregoing.

      (g)   Books and Records. The financial books, records and accounts of
            Terra and its Subsidiaries, in all material respects, (i) have been
            maintained in accordance with accounting principles generally
            accepted in Canada on a basis consistent with prior periods, (ii)
            are stated in reasonable detail and accurately and fairly reflect
            the material transactions and dispositions of the assets of Terra
            and its Subsidiaries and (iii) accurately and fairly reflect the
            basis for the Financial Statements. Terra has devised and maintains
            a system of internal accounting controls sufficient to provide
            reasonable assurances that (i) transactions are executed in
            accordance with management's general or specific authorization; and
            (ii) transactions are recorded as necessary (A) to permit
            preparation of financial statements in conformity with Canadian
            generally accepted accounting principles, or any other criteria
            applicable to such statements and (B) to maintain accountability for
            assets. Except as set out in the Terra Disclosure Letter, Terra's
            corporate minute books contain minutes of all meetings and
            resolutions of the directors and Terra Shareholders held, and full
            access thereto has been provided to Optimal with the exception of
            minutes relating to the Transaction.

      (h)   No Defaults. Except as set out in the Terra Disclosure Letter,
            neither Terra nor any of its Subsidiaries is in default under, and
            there exists no event,

                                      -24-
<PAGE>

            condition or occurrence which, after notice or lapse of time or
            both, would constitute such a default under any material Contract;

      (i)   Customers and Suppliers. There is no single customer or supplier of
            Terra or its Subsidiaries, the loss of which would be material to
            Terra. Since September 30, 2003, there has been no termination or
            cancellation of, and no material adverse modification or change in,
            the business relationship with any customer or group of customers
            which individually or in the aggregate provided more than 5% of the
            consolidated gross revenues of Terra and its Subsidiaries for the
            twelve months ended December 31, 2003.

      (j)   Litigation. Except as set out in the Disclosure Letter or Publicly
            Disclosed by Terra: (i) as of the date hereof, there is no claim,
            action, proceeding or investigation that has been commenced or, to
            the knowledge of Terra, threatened against Terra or any of its
            Subsidiaries before any Governmental Authority and, at the Effective
            Time, there will be no claim, action, proceeding or investigation
            that will have been commenced or, to the knowledge of Terra,
            threatened against Terra or any of its Subsidiaries before any
            Governmental Authority, that, if adversely determined, could
            reasonably be expected to have a Material Adverse Effect on Terra or
            prevent or delay consummation of the Transaction; (ii) neither Terra
            nor any of its Subsidiaries, nor any of their respective assets and
            properties, is subject to any outstanding judgment, order, writ,
            injunction or decree that has had or is reasonably likely to have a
            Material Adverse Effect on Terra or prevent or delay consummation of
            the Transaction; and (iii) neither Terra nor any of its Subsidiaries
            is subject to any material warranty, negligence, performance or
            other claims or disputes or potential claims or disputes in respect
            of products or services currently being delivered or previously
            delivered, and to the knowledge of Terra there are no events or
            circumstances which could reasonably be expected to give rise to any
            such claims or disputes or potential claims or disputes;

      (k)   Restrictions on Business Activities. Except as set out in the
            Disclosure Letter, there is no agreement, judgment, injunction,
            order or decree binding upon Terra or any of its Subsidiaries that
            has or could reasonably be expected to have the effect of
            prohibiting, restricting or materially impairing any material
            business practice of Terra or any of its Subsidiaries, any
            acquisition of property by Terra or any of its Subsidiaries or the
            conduct of business by Terra or any of its Subsidiaries as currently
            conducted (including following the Transaction).

      (l)   Intellectual Property.

            (i)   The Disclosure Letter contains a complete and accurate list of
                  all Terra Registered Intellectual Property and specifies,
                  where applicable, the jurisdictions in which each such item of
                  Terra

                                      -25-
<PAGE>

                  Registered Intellectual Property has been filed, applied for,
                  issued or registered and lists any proceedings or actions
                  before any court or tribunal (including the United States
                  Patent and Trademark Office or equivalent authority anywhere
                  in the world) related to any Terra Registered Intellectual
                  Property. All items of Terra Registered Intellectual Property
                  have been properly maintained and, where applicable, renewed
                  in accordance with the Laws of the jurisdictions in which such
                  registration of intellectual property were made, except where
                  the failure to maintain and renew the Terra Registered
                  Intellectual Property could not reasonably be expected to have
                  a Material Adverse Effect on Terra.

            (ii)  No Terra Intellectual Property is subject to any proceeding or
                  outstanding decree, order, judgment, contract, license,
                  agreement, or stipulation restricting in any manner the use,
                  transfer, or licensing thereof by Terra or any of its
                  Subsidiaries, or which may affect the validity, use or
                  enforceability of such Terra Intellectual Property.

            (iii) Terra owns and has good and exclusive title to, each material
                  item of Terra Intellectual Property owned by it free and clear
                  of any lien or encumbrance (excluding non-exclusive licenses
                  and related restrictions granted in the ordinary course). All
                  Intellectual Property necessary for or used in the business of
                  Terra and its Subsidiaries which is not Terra Intellectual
                  Property is used by Terra and its Subsidiaries with the
                  consent of or license from the rightful owner thereof.

            (iv)  Except as set out in the Disclosure Letter, neither Terra nor
                  any of its Subsidiaries has transferred ownership of, or
                  granted any license with respect to, any Intellectual Property
                  that is Terra Intellectual Property, to any third party. All
                  Terra Intellectual Property is in full force and effect and
                  has not been used or enforced or failed to have been used or
                  enforced in a manner that would result in abandonment,
                  cancellation or unenforceability of any Terra Intellectual
                  Property.

            (v)   The Disclosure Letter lists all material contracts, licenses
                  and agreements to which Terra or any of its Subsidiaries is a
                  party: (A) with respect to Terra Intellectual Property
                  licensed or transferred to any third party (other than
                  end-user licenses in the ordinary course); or (B) pursuant to
                  which a third party has licensed or transferred any material
                  Intellectual Property to Terra.

            (vi)  All material contracts, licenses and agreements relating to
                  either (A) Terra Intellectual Property or (B) Intellectual
                  Property of a third party licensed to Terra or any of its
                  Subsidiaries, are in full

                                      -26-
<PAGE>

                  force and effect. Except as disclosed in the Disclosure
                  Letter, the Transaction will neither violate nor result in the
                  breach, modification, cancellation, termination or suspension
                  of such contracts, licenses and agreements. Each of Terra and
                  its Subsidiaries is in material compliance with, and has not
                  materially breached any term of, such contracts, licenses and
                  agreements and, to the knowledge of Terra, all other parties
                  to such contracts, licenses and agreements are in compliance
                  with, and have not materially breached any term of, such
                  contracts, licenses and agreements. Following the Effective
                  Date, Terra will be permitted to exercise all of its rights
                  under such contracts, licenses and agreements to the same
                  extent it and its Subsidiaries would have been able to had the
                  transactions contemplated by this Agreement not occurred and
                  without the payment of any additional amounts or consideration
                  other than ongoing fees, royalties or payments which it would
                  otherwise be required to pay. Neither this Agreement nor the
                  transactions contemplated by this Agreement, will result in
                  (A) Terra granting to any third party any right to or with
                  respect to any material Intellectual Property right owned by,
                  or licensed to it, (B) Terra being bound by, or subject to,
                  any non-compete or other material restriction on the operation
                  or scope of its business, or (C) Terra being obligated to pay
                  any royalties or other material amounts to any third party in
                  excess of those payable by Terra, prior to the Effective Date.

            (vii) Except as set out in the Disclosure Letter, the operation of
                  the business of Terra and its Subsidiaries as such business
                  currently is conducted, including (A) Terra's and its
                  Subsidiaries' design, development, manufacture, distribution,
                  reproduction, marketing or sale of the products or services of
                  Terra and its Subsidiaries and (B) Terra's use of any product,
                  device or process, has not, does not and, to its knowledge,
                  will not infringe or misappropriate the Intellectual Property
                  of any third party or constitute unfair competition or trade
                  practises under the laws of any jurisdiction.

           (viii) Except as set out in the Disclosure Letter, neither Terra nor
                  any of its Subsidiaries has received notice from any third
                  party that the operation of the business of Terra or any of
                  its Subsidiaries or any act, product or service of Terra or
                  any of its Subsidiaries, infringes or misappropriates the
                  Intellectual Property of any third party or constitutes unfair
                  competition or trade practises under the laws of any
                  jurisdiction.

            (ix)  To the knowledge of Terra, no Person has or is infringing or
                  misappropriating any Terra Intellectual Property. Terra has
                  not commenced legal proceedings relating to an infringement by
                  any Person of Terra Intellectual Property.

                                      -27-
<PAGE>

            (x)   Terra and each of its Subsidiaries has taken reasonable steps
                  to protect Terra's and its Subsidiaries' rights in Terra's
                  confidential information and trade secrets that it wishes to
                  protect or any trade secrets or confidential information of
                  third parties provided to Terra or any of its Subsidiaries,
                  and, without limiting the foregoing, each of Terra and its
                  Subsidiaries has enforced and currently enforces a policy
                  requiring each employee and contractor to execute a
                  proprietary information/confidentiality agreement
                  substantially in the form provided to Optimal and all current
                  and former employees and contractors of Terra and any of its
                  Subsidiaries have executed such an agreement, except where the
                  failure to do so could not reasonably be expected to have a
                  Material Adverse Effect on Terra.

      (m)   Employment Matters.

            (i)   Terra has provided Optimal with a true and complete list of
                  all employees of Terra and its Subsidiaries as of the date
                  hereof, including details regarding compensation.

            (ii)  Except as set out in the Disclosure Letter or as Publicly
                  Disclosed by Terra, neither Terra nor any of its Subsidiaries
                  is a party to any agreement, obligation or understanding
                  providing for severance or termination payments to any of
                  their directors, officers or employees, other than any
                  obligations of reasonable notice of termination or pay in lieu
                  thereof under applicable Laws.

            (iii) Neither Terra nor any of its Subsidiaries is subject to any
                  collective bargaining agreements, or subject to any
                  application or threatened or apparent union organizing
                  campaigns for employees not under a collective bargaining
                  agreement, nor are there any current, pending or, to the
                  knowledge of Terra, threatened strikes, work stoppages or
                  lockouts at Terra or any of its Subsidiaries.

      (n)   Pension and Employee Benefits.

            Except as set out in the Disclosure Letter:

            (i)   The Terra Benefit Plans comply in all material respects with
                  all applicable Laws and such plans have been administered in
                  compliance with applicable Laws and their terms;

            (ii)  All of the Terra Benefit Plans that are pension plans are
                  either (A) fully insured or (B) fully funded in accordance
                  with applicable Laws on a going concern solvency basis and
                  winding-up solvency basis. Neither Terra nor any of its
                  Subsidiaries has received, or applied for, any payment of
                  surplus out of any Terra Benefit Plan or any payment in
                  respect of the demutualization of an insurer.

                                      -28-
<PAGE>

                  Neither Terra nor its Subsidiaries has taken any contribution
                  or premium holidays under any Terra Benefit Plan except as
                  permitted by applicable Laws and the terms of the Terra
                  Benefit Plan;

            (iii) None of the Terra Benefit Plans, other than pension plans
                  which only provide monetary retirement payments in accordance
                  with the terms of such plans, provides benefits beyond
                  retirement or other termination of service to employees or
                  former employees or to the beneficiaries or dependants of such
                  employees, or such benefits have been properly accrued on the
                  Financial Statements in accordance with generally accepted
                  accounting principles;

            (iv)  No event has occurred and no condition or circumstance exists
                  that has resulted in or could reasonably be expected to result
                  in any Terra Benefit Plan being ordered, or required to be,
                  terminated or wound up in whole or in part, having its
                  registration under applicable Laws refused or revoked, being
                  placed under the administration of any trustee or receiver or
                  regulatory authority or being required to pay any material
                  Taxes, penalties, payments or levies under applicable Laws;

            (v)   There are no outstanding stock appreciation rights, phantom
                  equity, profit saving plan or similar rights, agreements,
                  arrangements or commitments payable to directors, officers or
                  employees based upon the revenue, value, income or any other
                  attribute of Terra or any of its Subsidiaries; and

            (vi)  None of the Terra Benefit Plans is subject to the provisions
                  of Title I of the U.S. Employee Retirement Income Security Act
                  of 1974, as amended.

      (o)   Tax Matters. Except as set out in the Disclosure Letter:

            (i)   Terra and each of its Subsidiaries have filed, or caused to be
                  filed, all Tax Returns required to be filed by them in the
                  form and within the time prescribed under applicable Laws for
                  so doing (all of which Tax Returns were true and complete).
                  Terra and each of its Subsidiaries have duly and timely paid,
                  collected, withheld and remitted all Taxes (including all
                  instalments on account of Taxes) each of them is required to
                  pay, collect, withhold or remit (respectively) and the
                  Financial Statements contain an adequate provision in
                  accordance with Canadian generally accepted accounting
                  principles for all material amounts of Taxes payable in
                  respect of each period covered by such Financial Statements
                  and all prior periods to the extent such Taxes have not been
                  paid, whether or not due and whether or not shown as being due
                  on any

                                      -29-
<PAGE>

                  Tax Returns. On a consolidated basis, Terra has made adequate
                  provision in accordance with generally accepted accounting
                  principles in its books and records for any material amounts
                  of Taxes accruing in respect of any accounting period which
                  has ended subsequent to the period covered by such Financial
                  Statements;

            (ii)  All Tax Returns of Terra and its Subsidiaries have been
                  assessed and all deficiencies proposed with respect to Terra
                  and its Subsidiaries as a result of such assessments or
                  reassessments of the Tax Returns have been paid or settled.
                  There are no proceedings, investigations, audits or claims now
                  pending or, to the knowledge of Terra, threatened against
                  Terra or any of its Subsidiaries in respect of any material
                  amount of Taxes and there are no matters under discussion,
                  audit or appeal with any Governmental Authority relating to a
                  material amount of Taxes. No written claim (or to the
                  knowledge of Terra, other claims) has ever been made by a
                  Governmental Authority in a jurisdiction where neither Terra
                  nor any of its Subsidiaries file Tax Returns that Terra or any
                  Subsidiary is or may be subject to taxation in that
                  jurisdiction. No Tax liens have been filed for material
                  amounts of Taxes other than for Taxes not yet due or payable.
                  Neither Terra nor any of its Subsidiaries has acquired
                  property from another person for consideration, the value of
                  which is less than the fair market value of the property
                  acquired, in circumstances which could subject Terra or a
                  Subsidiary, as applicable, to liability for any Taxes of such
                  other person who was, at the time the property was acquired, a
                  member of the same combined, affiliated, related or
                  consolidated group, or under common control with Terra or any
                  such Subsidiary (including pursuant to section 160 of the Tax
                  Act). Since December 31, 2000, none of Terra nor any of its
                  Subsidiaries has requested, offered to enter into or entered
                  into any agreement or other arrangement, or executed any
                  waiver, providing for any extension of time within which (i)
                  to file any Tax Return covering any Taxes for which Terra or
                  any of its Subsidiaries is or may be liable; (ii) to file any
                  elections, designations or similar filings relating to Taxes
                  for which Terra or any of its Subsidiaries is or may be
                  liable; or (iii) Terra or any of its Subsidiaries is required
                  to pay or remit any Taxes or amounts on account of Taxes. None
                  of Terra nor any of its Subsidiaries has requested, offered to
                  enter into or entered into any agreement or other arrangement,
                  or executed any waiver, providing for any extension of time
                  within which any Governmental Authority may assess or collect
                  Taxes for which Terra or any of its Subsidiaries is or may be
                  liable. Neither Terra nor any of its Subsidiaries is a party
                  to any tax sharing or other similar agreement or arrangement
                  of any nature with any other Person (other than Terra or any
                  of its Subsidiaries) pursuant to

                                      -30-
<PAGE>

                  which Terra or any of the Subsidiaries has or could have any
                  material liabilities in respect of Taxes, other than any
                  liability arising under an agreement providing for the sale or
                  other disposition of property by Terra or any of its
                  Subsidiaries. Neither Terra nor any of its Subsidiaries has
                  received a refund of any material amount of Taxes to which it
                  was not entitled; and

            (iii) For purposes of this Section 3.1(o), the term "material amount
                  of Taxes" shall mean an amount of Taxes that is material to
                  Terra and its Subsidiaries taken as a whole.

      (p)   Compliance with Laws. Except as set out in the Disclosure Letter,
            Terra and its Subsidiaries have complied in all material respects
            with and are not in violation of any Laws, including applicable End
            User Laws, other than non-compliance or violations which would not,
            individually or in the aggregate, reasonably be expected to have a
            Material Adverse Effect on Terra. Without limiting the generality of
            the foregoing, all securities of Terra (including, all options,
            warrants, rights or other convertible or exchangeable securities)
            have been issued in compliance with all applicable securities Laws
            and all securities to be issued upon exercise of any such options,
            warrants, rights and other convertible or exchangeable securities
            will be issued in compliance with all applicable securities Laws.

      (q)   Licences, Etc. Terra and each of its Subsidiaries owns, possesses,
            or has obtained and is in compliance with, all material licences,
            permits, certificates, orders, grants and other authorizations of or
            from any Governmental Authority necessary to conduct its business
            substantially as now conducted except where failure would not,
            individually or in the aggregate, reasonably be expected to have a
            Material Adverse Effect on Terra.

      (r)   Environmental. Except as set out in the Disclosure Letter or as
            Publicly Disclosed by Terra or for any matters that, individually or
            in the aggregate, could not reasonably be expected to have a
            Material Adverse Effect on Terra:

            (i)   all operations of Terra and its Subsidiaries have been
                  conducted and are now in compliance with all Environmental
                  Laws; and

            (ii)  neither Terra nor any of its Subsidiaries is subject to:

                  (A)   any Environmental Laws or terms of any environmental
                        authorization, permit or licence which requires or may
                        require any work, repairs, construction, change in
                        business practices or operations, or expenditures; or

                                      -31-
<PAGE>

                  (B)   any written demand, notice or order with respect to a
                        breach of or liability under any Environmental Laws
                        applicable to Terra or any of its Subsidiaries.

      (s)   Property. Neither of Terra nor any of its Subsidiaries owns any
            immovable (real) property. Neither Terra nor any of its Subsidiaries
            is in default under any lease or sublease relating to immovable
            (real) property which could give any other party the right to
            terminate the lease or sublease, as the case may be.

      (t)   Non-Arm's Length Transactions. Except as set out in the Disclosure
            Letter, there are no material Contracts or other transactions
            between Terra or any of its Subsidiaries, on the one hand, and any
            (i) officer or director of Terra or any of its Subsidiaries, (ii)
            any holder of record or beneficial owner of 5% or more of the voting
            securities of Terra, or (iii) any Affiliate or associate of any such
            officer, director or beneficial owner, on the other hand.

      (u)   Reports. Terra has filed with the CVMQ, by posting upon the SEDAR
            system, true and complete copies of all forms, reports, schedules,
            statements and other documents required in accordance with
            applicable Laws to be filed by it in the last three years. (Such
            forms, reports, schedules, statements and other documents, including
            any financial statements or other documents, including any schedules
            included therein, are referred to as the "Terra Documents".) The
            Terra Documents at the time filed (i) did not contain any
            misrepresentation of a material fact or omit to state a material
            fact required to be stated therein or necessary to make the
            statements therein, in the light of the circumstances under which
            they were made, not misleading, and (ii) complied in all material
            respects with the requirements of applicable securities Laws. Terra
            has not filed any confidential material change report with the CVMQ
            or any other securities authority or regulator or any stock exchange
            or other self-regulatory authority which at the date hereof remains
            confidential.

      (v)   Fees. The Disclosure Letter contains a true and complete list of of
            all agreements that could give rise to any claim for an advisory
            fee, success fee, brokerage commission, finder's fee or other like
            payment against Terra or any of its Subsidiaries in connection with
            the Transaction.

      (w)   Insurance. Terra has made available to Optimal a true and correct
            summary of all material policies of insurance to which each of Terra
            and its Subsidiaries are a party or a beneficiary or named insured.
            Except as set out in the Disclosure Letter, Terra and its
            Subsidiaries maintain insurance coverage with reputable insurers in
            such amounts and covering such risks as are in accordance with
            normal industry practice for companies engaged in businesses similar
            to that of Terra and its Subsidiaries.

                                      -32-
<PAGE>

      (x)   Cumulative Breach. The breaches, if any, of the representations made
            by Terra in this Agreement that would occur if all references in
            such representations to phrases concerning materiality were deleted,
            are not breaches that in the aggregate represent circumstances which
            (i) have or could reasonably be expected to have a Material Adverse
            Effect on Terra, or (ii) constitute or could reasonably be expected
            to constitute a Material Adverse Change in respect of Terra.

      (y)   Investment Canada. Terra is not a financial institution within the
            meaning of the Investment Canada Act (Canada).

      (z)   Inter-Company Guarantees. Except as set out in the Disclosure
            Letter, Terra has not guaranteed any liabilities or obligations
            (whether accrued, absolute, contingent or otherwise) of any of its
            Subsidiaries nor has any Terra Subsidiary provided any such
            guarantee for any other Terra Subsidiary.

3.2   Representations and Warranties of Optimal

      Optimal represents and warrants to and in favour of Terra as follows and
acknowledges that Terra is relying upon such representations and warranties in
connection with the matters contemplated by this Agreement:

      (a)   Organization. Each of Optimal and its Subsidiaries has been duly
            incorporated or formed under the laws of its respective jurisdiction
            of incorporation, is validly existing and has all necessary
            corporate or legal power, authority, and capacity to own its
            property and assets and to carry on its business as currently owned
            and conducted. Except as set out in the Optimal Disclosure Letter,
            all Subsidiaries of Optimal are wholly owned, directly or
            indirectly, by Optimal. All of the outstanding shares and other
            ownership interests of its Subsidiaries which are held directly or
            indirectly by Optimal are validly issued, fully paid and
            non-assessable, and except as set forth in the Optimal Disclosure
            Letter or for encumbrances in connection with security granted by
            Optimal to its lenders in the ordinary course of business which are
            not in default, all such shares and other ownership interests are
            owned directly or indirectly by Optimal, free and clear of all
            material liens, claims or encumbrances. Except as set out in the
            Optimal Disclosure Letter, there are no outstanding options, rights,
            entitlements, understandings or commitments (contingent or
            otherwise) regarding the right to acquire any such shares or other
            ownership interests in any of Optimal's Subsidiaries.

      (b)   Capitalization. Optimal has sufficient authorized capital to issue
            all of the Optimal Shares that may be required to be issued under
            the transactions contemplated by this Agreement. As of the date
            hereof, there are 14,936,235 Optimal Shares (and no more) issued and
            outstanding. In addition, as at the date hereof, options to acquire
            an aggregate of not more

                                      -33-
<PAGE>

            than 8,500 Optimal Shares have been granted and are outstanding.
            Additional options to acquire Optimal Shares may be issued by
            Optimal to directors, senior officers and employees of Optimal prior
            to the Effective Time. Other than the foregoing, there are no
            outstanding securities having the right to vote (or that are
            convertible for or exercisable into securities having the right to
            vote) with the holders of Optimal Shares on any matter. There are no
            outstanding contractual obligations of Optimal to repurchase or
            acquire any Optimal Shares. Prior to the Effective Date, additional
            Optimal Shares may be issued in consideration for cash and other
            property.

      (c)   Authority and No Violation.

            (i)   Optimal has the necessary corporate power, authority and
                  capacity to enter into this Agreement and to perform its
                  obligations under this Agreement. The execution and delivery
                  of this Agreement by Optimal and the consummation by Optimal
                  and its Subsidiaries of the transactions contemplated by this
                  Agreement have been duly authorized by its board of directors
                  and no other corporate proceedings on the part of Optimal are
                  necessary to authorize this Agreement or the transactions
                  contemplated under this Agreement, other than:

                  (A)   with respect to the Optimal Meeting, the Joint Circular
                        and other matters relating solely thereto, the approval
                        of the Optimal Board; and

                  (B)   the approval of the Optimal Shareholders described in
                        Article 2.

            (ii)  This Agreement has been duly executed and delivered by Optimal
                  and constitutes a legal, valid and binding obligation,
                  enforceable against it in accordance with its terms, subject
                  to bankruptcy, insolvency and other applicable Laws affecting
                  creditors' rights generally, and to general principles of
                  equity.

            (iii) The Optimal Board has (A) unanimously determined as of the
                  date hereof that the Transaction is in the best interests of
                  Optimal, and (B) determined as of the date hereof to
                  unanimously recommend that the Optimal Shareholders vote in
                  favour of the Optimal Resolution. Optimal's directors have
                  advised Optimal that they intend to vote Optimal Shares held
                  by them in favour of the Optimal Resolution and will so
                  represent in the Joint Circular.

            (iv)  The approval of this Agreement, the execution and delivery by
                  Optimal of this Agreement, and the performance by it of its

                                      -34-
<PAGE>

                  obligations hereunder and the completion of the Transaction,
                  will not:

                  (A)   result (with or without notice or the passage of time)
                        in a violation or breach of, require any consent to be
                        obtained under or give rise to any termination, purchase
                        or sale rights or payment obligation under any provision
                        of:

                        A.    Optimal's or any of its Subsidiaries' certificate
                              of incorporation, articles, by-laws or other
                              charter documents;

                        B.    any Laws (subject to obtaining the Regulatory
                              Approvals), except to the extent that the
                              violation or breach of, or failure to obtain any
                              consent would not, individually or in the
                              aggregate, reasonably be expected to prevent or
                              delay the Transaction or have a Material Adverse
                              Effect on Optimal; or

                        C.    any Contract, license, permit or government grant
                              to which Optimal or any of its Subsidiaries is
                              party or by which it is bound or is subject or is
                              the beneficiary, except as would not, individually
                              or in the aggregate, reasonably be expected to
                              prevent or delay the Transaction or have a
                              Material Adverse Effect on Optimal;

                  (B)   give rise to any right of termination or acceleration of
                        indebtedness of Optimal or any of its Subsidiaries, or
                        cause any such indebtedness to come due before its
                        stated maturity or cause any available credit of Optimal
                        or any of its Subsidiaries to cease to be available,
                        except as would not, individually or in the aggregate,
                        reasonably be expected to prevent or delay the
                        Transaction or have a Material Adverse Effect on
                        Optimal;

                  (C)   result in the imposition of any encumbrance, charge or
                        lien upon any of Optimal's assets or the assets of any
                        of its Subsidiaries except as would not, individually or
                        in the aggregate, reasonably be expected to prevent or
                        delay the Transaction or have a Material Adverse Effect
                        on Optimal; or

                  (D)   restrict, hinder, impair or limit the ability of Optimal
                        or any of its Subsidiaries to carry on business as and
                        where it is now being carried on, except as would not,
                        individually or in the aggregate, reasonably be expected
                        to prevent or delay

                                      -35-
<PAGE>

                        the Transaction or have a Material Adverse Effect on
                        Optimal.

            (v)   No consent, approval, order or authorization of, or
                  declaration or filing with, any Governmental Authority is
                  required to be obtained by Optimal and its Subsidiaries in
                  connection with the execution and delivery of this Agreement
                  or the consummation by Optimal of the Transaction other than
                  (A) the Regulatory Approvals relating to Optimal; (B) filings
                  under the Securities Act (Ontario), stock exchange rules or
                  similar laws contemplated by this Agreement or to provide
                  notice of the Transaction; (C) any filings required in
                  connection with the issue of the Optimal Shares; (D) any
                  orders or decisions obtained by Optimal from Canadian
                  securities regulatory authorities prior to Closing; and (E)
                  any other consents, approvals, orders, authorizations,
                  declarations or filings of or with a Governmental Authority
                  which are set out in the Optimal Disclosure Letter, or, with
                  respect to (D) and (E) above, which, if not obtained, would
                  not, individually or in the aggregate, reasonably be expected
                  to prevent or delay the Transaction or have a Material Adverse
                  Effect on Optimal.

      (d)   Reports. Optimal has filed with the OSC by posting on the SEDAR
            system and with the SEC by posting on the EDGAR system true and
            complete copies of all forms, reports, schedules, statements and
            other documents required in accordance with applicable Laws to be
            filed by it in the last three years. Such documents, at the time
            filed, (i) did not contain any misrepresentation of a material fact
            or omit to state a material fact required to be stated therein or
            necessary to make the statements therein, in the light of the
            circumstances under which they were made, not misleading; and (ii)
            complied in all material respects with the requirements of
            applicable securities Laws. Optimal has not filed any confidential
            material change report with any securities authority or regulator or
            any stock exchange or other self-regulatory authority which at the
            date hereof remains confidential.

      (e)   Financial Statements. The Optimal Financial Statements have been
            prepared in accordance with Canadian generally accepted accounting
            principles and applicable Laws. The Optimal Financial Statements
            present fairly, in all material respects, the consolidated financial
            position and results of operations of Optimal as of the respective
            dates thereof and for the respective periods covered thereby applied
            on a basis consistent with the immediately prior period and
            throughout the periods indicated (except as may be indicated
            expressly in the notes thereto) and in the case of unaudited
            statements, to normal, recurring year-end adjustments and the
            absence of notes. The Optimal Financial Statements reflect
            appropriate and adequate reserves in respect of contingent
            liabilities, if any, of

                                      -36-
<PAGE>

            Optimal and its Subsidiaries on a consolidated basis as of the date
            of the balance sheets contained in such statements.

      (f)   Contingent Liabilities. Except as set forth in the Optimal
            Disclosure Letter, or as Publicly Disclosed by Optimal, or for
            liabilities and obligations incurred in the ordinary course of
            business consistent with past practice since the date of the Optimal
            Balance Sheet, neither Optimal nor any of its Subsidiaries has any
            liabilities or obligations of any nature (whether accrued, absolute,
            contingent or otherwise) except for those that could not, in the
            aggregate, reasonably be expected to have a Material Adverse Effect
            on Optimal.

      (g)   Absence of Certain Changes or Events. Except as Publicly Disclosed
            by Optimal or as set out in Optimal Disclosure Letter, since
            December 31, 2003 Optimal and each of its Subsidiaries has conducted
            its business only in the ordinary and regular course of business
            consistent with past practice.

      (h)   Books and Records. Except as set out in the Optimal Disclosure
            Letter, the financial books, records and accounts of Optimal and its
            Subsidiaries, in all material respects, (i) have been maintained in
            accordance with accounting principles generally accepted in the
            country of domicile of each such entity on a basis consistent with
            prior periods, (ii) are stated in reasonable detail and accurately
            and fairly reflect the material transactions and dispositions of the
            assets of Optimal and its Subsidiaries and (iii) accurately and
            fairly reflect the basis for the Optimal Financial Statements.
            Optimal has devised and maintains a system of internal accounting
            controls sufficient to provide reasonable assurances that (i)
            transactions are executed in accordance with management's general or
            specific authorization; and (ii) transactions are recorded as
            necessary (A) to permit preparation of Optimal Financial Statements
            in conformity with Canadian generally accepted accounting
            principles, or any other criteria applicable to such statements and
            (B) to maintain accountability for assets. Except as set out in the
            Optimal Disclosure Letter, Optimal's and its Subsidiaries' corporate
            minute books contain minutes of all meetings and resolutions of the
            directors and Optimal Shareholders held, and full access thereto has
            been provided to Terra with the exception of minutes relating to the
            Transaction.

      (i)   Optimal Shares. The Optimal Shares to be issued upon the completion
            of the Transaction and upon the due exercise of the New Terra
            Options and the Terra Warrants in accordance with their terms,
            including the payment of the exercise price, will be duly and
            validly issued by Optimal on their respective dates of issue as
            fully paid and non-assessable securities and, subject to currently
            existing hold periods and compliance with section 4(4) of the 1933
            Act, the Optimal Shares to be issued upon the completion of

                                      -37-
<PAGE>

            the Transaction and upon the due exercise of the New Terra Options
            will be freely tradable in the United States.

      (j)   No Default. Neither Optimal nor any of its Subsidiaries is in
            default under, and there exists no event, condition or occurrence
            which, after notice or lapse of time or both, would constitute such
            a default under, any contract, agreement, license or franchise to
            which it is a party which would reasonably be expected to have a
            Material Adverse Effect on Optimal.

      (k)   Customers and Suppliers. Since December 31, 2002, there has been no
            termination or cancellation of, and no material adverse modification
            or change in, the business relationship with any customer or group
            of customers which individually or in the aggregate provided more
            than 5% of the consolidated gross revenues of Optimal and its
            Subsidiaries for the twelve months ended December 31, 2003.

      (l)   Litigation. Except as set out in the Optimal Disclosure Letter or
            Publicly Disclosed by Optimal: (i) there is no claim, action,
            proceeding or investigation that has been commenced or, to the
            knowledge of Optimal, threatened against Optimal or any of its
            Subsidiaries before any Governmental Authority that would reasonably
            be expected to have a Material Adverse Effect on Optimal; (ii)
            neither Optimal nor any of its Subsidiaries, nor any of their
            respective assets and properties, is subject to any outstanding
            judgment, order, writ, injunction or decree that has had or is
            reasonably likely to have a Material Adverse Effect on Optimal or
            prevent or delay consummation of the Transaction; and (iii) neither
            Optimal nor any of its Subsidiaries is subject to any material
            warranty, negligence, performance or other claims or disputes or
            potential claims or disputes in respect of products or services
            currently being delivered or previously delivered that could
            reasonably be expected to have a Material Adverse Effect on Optimal,
            and to the knowledge of Optimal there are no events or circumstances
            which could reasonably be expected to give rise to any such claims
            or disputes or potential claims or disputes.

      (m)   Restrictions on Business Activities. Except as set out in the
            Optimal Disclosure Letter, there is no agreement, judgment,
            injunction, order or decree binding upon Optimal or any of its
            Subsidiaries that has or could reasonably be expected to have the
            effect of prohibiting, restricting or materially impairing any
            material business practice of Optimal or any of its Subsidiaries,
            any acquisition of property by Optimal or any of its Subsidiaries or
            the conduct of business by Optimal or any of its Subsidiaries as
            currently conducted (including following the Transaction).

      (n)   Intellectual Property.

                                      -38-
<PAGE>

            (i)   The Optimal Disclosure Letter contains a complete and accurate
                  list of all Optimal Registered Intellectual Property and
                  specifies, where applicable, the jurisdictions in which each
                  such item of Optimal Registered Intellectual Property has been
                  issued or registered and lists any proceedings or actions
                  before any court or tribunal (including the United States
                  Patent and Trademark Office or equivalent authority anywhere
                  in the world) related to any Optimal Registered Intellectual
                  Property.

            (ii)  No Optimal Intellectual Property is subject to any proceeding
                  or outstanding decree, order, judgment, contract, license,
                  agreement, or stipulation restricting in any manner the use,
                  transfer, or licensing thereof by Optimal or any of its
                  Subsidiaries, or which may affect the validity, use or
                  enforceability of such Optimal Intellectual Property.

            (iii) Optimal owns and has good and exclusive title to, each
                  material item of Optimal Intellectual Property owned by it
                  free and clear of any lien or encumbrance (excluding
                  non-exclusive licenses and related restrictions granted in the
                  ordinary course). All Intellectual Property necessary for or
                  used in the business of Optimal and its Subsidiaries which is
                  not Optimal Intellectual Property is used by Optimal and its
                  Subsidiaries with the consent of or license from the rightful
                  owner thereof.

            (iv)  Except as set out in the Optimal Disclosure Letter, neither
                  Optimal nor any of its Subsidiaries has transferred ownership
                  of, or granted any license with respect to, any Intellectual
                  Property that is material Optimal Intellectual Property, to
                  any third party. All Optimal Intellectual Property is in full
                  force and effect and has not been used or enforced or failed
                  to have been used or enforced in a manner that would result in
                  abandonment, cancellation or unenforceability of any Optimal
                  Intellectual Property.

            (v)   The Optimal Disclosure Letter lists all material contracts,
                  licenses and agreements to which Optimal or any of its
                  Subsidiaries is a party: (A) with respect to Optimal
                  Intellectual Property licensed or transferred to any third
                  party (other than end-user licenses in the ordinary course);
                  or (B) pursuant to which a third party has licensed or
                  transferred any material Intellectual Property to Optimal.

            (vi)  All material contracts, licenses and agreements relating to
                  either (A) Optimal Intellectual Property or (B) Intellectual
                  Property of a third party licensed to Optimal or any of its
                  Subsidiaries, are in full force and effect. The consummation
                  of the transactions contemplated by this Agreement will
                  neither violate nor result in

                                      -39-
<PAGE>

                  the breach, modification, cancellation, termination or
                  suspension of such contracts, licenses and agreements. Each of
                  Optimal and its Subsidiaries is in material compliance with,
                  and has not materially breached any term of, such contracts,
                  licenses and agreements and, to the knowledge of Optimal, all
                  other parties to such contracts, licenses and agreements are
                  in compliance with, and not have materially breached any term
                  of, such contracts, licenses and agreements. Following the
                  Effective Date, Optimal will be permitted to exercise all of
                  its rights under such contracts, licenses and agreements to
                  the same extent it and its Subsidiaries would have been able
                  to had the transactions contemplated by this Agreement not
                  occurred and without the payment of any additional amounts or
                  consideration other than ongoing fees, royalties or payments
                  which it would otherwise be required to pay. Neither this
                  Agreement nor the transactions contemplated by this Agreement,
                  will result in (A) Optimal granting to any third party any
                  right to or with respect to any material Intellectual Property
                  right owned by, or licensed to it, (B) Optimal being bound by,
                  or subject to, any non-compete or other material restriction
                  on the operation or scope of its business, or (C) Optimal
                  being obligated to pay any royalties or other material amounts
                  to any third party in excess of those payable by Optimal,
                  prior to the Effective Date.

            (vii) The operation of the business of Optimal and its Subsidiaries
                  as such business currently is conducted, including (A)
                  Optimal's and its Subsidiaries' design, development,
                  manufacture, distribution, reproduction, marketing or sale of
                  the products or services of Optimal and its Subsidiaries and
                  (B) Optimal's use of any product, device or process, has not,
                  does not and, to its knowledge, will not infringe or
                  misappropriate the Intellectual Property of any third party or
                  constitute unfair competition or trade practises under the
                  laws of any jurisdiction.

           (viii) Except as set out in the Optimal Disclosure Letter or as
                  Publicly Disclosed by Optimal, neither Optimal nor any of its
                  Subsidiaries has received notice from any third party that the
                  operation of the business of Optimal or any of its
                  Subsidiaries or any act, product or service of Optimal or any
                  of its Subsidiaries, infringes or misappropriates the
                  Intellectual Property of any third party or constitutes unfair
                  competition or trade practises under the laws of any
                  jurisdiction.

            (ix)  To the knowledge of Optimal, no Person has or is infringing or
                  misappropriating any Optimal Intellectual Property. Optimal
                  has not commenced legal proceedings relating to an
                  infringement by any Person of Optimal Intellectual Property.

                                      -40-
<PAGE>

            (x)   Optimal and each of its Subsidiaries has taken reasonable
                  steps to protect Optimal's and its Subsidiaries' rights in
                  Optimal's confidential information and trade secrets that it
                  wishes to protect or any trade secrets or confidential
                  information of third parties provided to Optimal or any of its
                  Subsidiaries, and, without limiting the foregoing, each of
                  Optimal and its Subsidiaries has enforced and currently
                  enforces a policy requiring each employee and contractor to
                  execute a proprietary information/confidentiality agreement
                  and all current and former employees and contractors of
                  Optimal and any of its Subsidiaries have executed such an
                  agreement, except where the failure to do so is not reasonably
                  expected to be material to Optimal.

      (o)   Pension and Employee Benefits.

            Except as set out in the Optimal Disclosure Letter or as Publicly
            Disclosed by Optimal:

            (i)   The Optimal Benefit Plans comply in all material respects with
                  all applicable Laws and such plans have been administered in
                  compliance with applicable Laws and their terms;

            (ii)  All of the Optimal Benefit Plans that are pension plans are
                  either (A) fully insured or (B) fully funded in accordance
                  with applicable Laws on a going concern solvency basis and
                  winding-up solvency basis. Neither Optimal nor any of its
                  Subsidiaries has received, or applied for, any payment of
                  surplus out of any Optimal Benefit Plan or any payment in
                  respect of the demutualization of an insurer. Neither Optimal
                  nor its Subsidiaries has taken any contribution or premium
                  holidays under any Optimal Benefit Plan except as permitted by
                  applicable Laws and the terms of the Optimal Benefit Plan;

            (iii) None of the Optimal Benefit Plans, other than pension plans
                  which only provide monetary retirement payments in accordance
                  with the terms of such plans, provides benefits beyond
                  retirement or other termination of service to employees or
                  former employees or to the beneficiaries or dependants of such
                  employees, or such benefits have been properly accrued on the
                  Optimal Financial Statements in accordance with generally
                  accepted accounting principles;

            (iv)  No event has occurred and no condition or circumstance exists
                  that has resulted in or could reasonably be expected to result
                  in any Optimal Benefit Plan being ordered, or required to be,
                  terminated or wound up in whole or in part, having its
                  registration under applicable Laws refused or revoked, being
                  placed under the

                                      -41-
<PAGE>

                  administration of any trustee or receiver or regulatory
                  authority or being required to pay any material Taxes,
                  penalties, payments or levies under applicable Laws;

            (v)   There are no outstanding stock appreciation rights, phantom
                  equity, profit saving plan or similar rights, agreements,
                  arrangements or commitments payable to directors, officers or
                  employees based upon the revenue, value, income or any other
                  attribute of Optimal or any of its Subsidiaries; and

            (vi)  Notwithstanding anything in this Agreement to the contrary,
                  the term Optimal Benefit Plans does not include any Optimal
                  Benefit Plan that is subject to the provisions of Title I of
                  the U.S. Employee Retirement Income Security Act of 1974, as
                  amended. Each employee benefit plan that would be an Optimal
                  Benefit Plan except for the fact that it is subject to the
                  provisions of Title I of the U.S. Employee Retirement Income
                  Security Act of 1974, as amended, complies in all material
                  aspects and has been administered in compliance in all
                  material aspects with Laws and their terms and any failure to
                  so comply would not have a Material Adverse Effect on Optimal.

      (p)   Environmental. Except as set out in the Optimal Disclosure Letter or
            as Publicly Disclosed by Optimal and except for any matters that,
            individually or in the aggregate, would not reasonably be expected
            to have a Material Adverse Effect on Optimal, to the knowledge of
            Optimal:

            (i)   all operations of Optimal and its Subsidiaries have been
                  conducted, and are now, in compliance with all Environmental
                  Laws; and

            (ii)  neither Optimal nor any of its Subsidiaries is subject to:

                  (A)   any Environmental Law or terms of any environmental
                        authorization, period or licence which requires or may
                        require any material work, repairs, construction, change
                        in business practices or operations, or expenditures; or

                  (B)   any written demand, notice or order with respect to a
                        breach of or liability under any Environmental Laws
                        applicable to Optimal or any of its Subsidiaries.

      (q)   Compliance with Laws. Except as set out in the Optimal Disclosure
            Letter or as Publicly Disclosed by Optimal, Optimal and its
            Subsidiaries have complied in all material respects with and are not
            in violation of any applicable Laws, other than non-compliance or
            violations which would not, individually or in the aggregate,
            reasonably be expected to have a Material Adverse Effect on Optimal.
            Without limiting the generality of the foregoing, all securities of
            Optimal (including, all options, warrants, rights

                                      -42-
<PAGE>

            or other convertible or exchangeable securities) have been issued in
            compliance with all applicable securities Laws and all securities to
            be issued upon exercise of any such options, warrants, rights and
            other convertible or exchangeable securities will be issued in
            compliance with all applicable securities Laws.

      (r)   Tax Matters. Except as set out in the Optimal Disclosure Letter:

            (i)   Optimal and each of its Subsidiaries have filed, or caused to
                  be filed, all Tax Returns required to be filed by them in the
                  form and within the time prescribed under applicable Laws for
                  so doing (all of which Tax Returns were true and complete).
                  Terra and each of its Subsidiaries have duly and timely paid,
                  collected, withheld and remitted all Taxes (including all
                  instalments on account of Taxes) each of them is required to
                  pay, collect, withhold or remit (respectively) and the Optimal
                  Financial Statements contain an adequate provision in
                  accordance with Canadian generally accepted accounting
                  principles for all material amounts of Taxes payable in
                  respect of each period covered by such Optimal Financial
                  Statements and all prior periods to the extent such Taxes have
                  not been paid, whether or not due and whether or not shown as
                  being due on any Tax Returns. On a consolidated basis, Optimal
                  has made adequate provision in accordance with Canadian
                  generally accepted accounting principles in its books and
                  records for any material amounts of Taxes accruing in respect
                  of any accounting period which has ended subsequent to the
                  period covered by the Optimal Financial Statements.

            (ii)  All Tax Returns of Optimal and its Subsidiaries have been
                  assessed and all deficiencies proposed with respect to Optimal
                  and its Subsidiaries as a result of such assessments or
                  reassessments of the Tax Returns have been paid or settled.
                  There are no proceedings, investigations, audits or claims now
                  pending or, to the knowledge of Optimal, threatened against
                  Optimal or any of its Subsidiaries in respect of any material
                  amount of Taxes and there are no matters under discussion,
                  audit or appeal with any Governmental Authority relating to a
                  material amount of Taxes. No written claim (or to the
                  knowledge of Optimal, other claims) has ever been made by a
                  Governmental Authority in a jurisdiction where neither Optimal
                  nor any of its Subsidiaries file Tax Returns that Optimal or
                  any Subsidiary is or may be subject to taxation in that
                  jurisdiction. No Tax liens have been filed for material
                  amounts of Taxes other than for Taxes not yet due or payable.
                  Neither Optimal nor any of its Subsidiaries has acquired
                  property from another person for consideration, the value of
                  which is less than the fair market value of the property
                  acquired, in circumstances which could subject Optimal or a
                  Subsidiary, as applicable, to liability for any Taxes of

                                      -43-
<PAGE>

                  such other person who was, at the time the property was
                  acquired, a member of the same combined, affiliated, related
                  or consolidated group, or under common control with Optimal or
                  any such Subsidiary (including pursuant to section 160 of the
                  Tax Act). Since December 31, 2000, none of Optimal nor any of
                  its Subsidiaries has requested, offered to enter into or
                  entered into any agreement or other arrangement, or executed
                  any waiver, providing for any extension of time within which
                  (i) to file any Tax Return covering any Taxes for which
                  Optimal or any of its Subsidiaries is or may be liable; (ii)
                  to file any elections, designations or similar filings
                  relating to Taxes for which Optimal or any of its Subsidiaries
                  is or may be liable; or (iii) Optimal or any of its
                  Subsidiaries is required to pay or remit any Taxes or amounts
                  on account of Taxes. None of Optimal nor any of its
                  Subsidiaries has requested, offered to enter into or entered
                  into any agreement or other arrangement, or executed any
                  waiver, providing for any extension of time within which any
                  Governmental Authority may assess or collect Taxes for which
                  Optimal or any of its Subsidiaries is or may be liable.
                  Neither Optimal nor any of its Subsidiaries is a party to any
                  tax sharing or other similar agreement or arrangement of any
                  nature with any other Person (other than Optimal or any of its
                  Subsidiaries) pursuant to which Optimal or any of its
                  Subsidiaries has or could have any material liabilities in
                  respect of Taxes, other than any liability arising under an
                  agreement providing for the sale or other disposition of
                  property by Optimal or any of its Subsidiaries. Neither
                  Optimal nor any of its Subsidiaries has received a material
                  refund of any Taxes to which it was not entitled; and

            (iii) For purposes of this Section 3.2(r), the term "material amount
                  of Taxes" shall mean an amount of Taxes that is material to
                  Optimal and its Subsidiaries taken as a whole.

      (s)   Licences etc. Optimal and each of its Subsidiaries owns, possesses,
            or has obtained and is in compliance with all licences, permits,
            certificates, orders, grants and other authorizations of or from any
            Governmental Authority necessary to conduct its business as now
            conducted except where failure would not, individually or in the
            aggregate, reasonably be expected to have a Material Adverse Effect
            on Optimal.

      (t)   Property. Neither of Optimal nor any of its Subsidiaries owns any
            immovable (real) property. Neither Optimal nor any of its
            Subsidiaries is in default under any lease or sublease relating to
            immovable (real) property which would give the other party the right
            to terminate the lease or sublease as the case may be.

                                      -44-
<PAGE>

      (u)   Non-Arm's Length Transactions. Except as set out in the Optimal
            Disclosure Letter or as Publicly Disclosed by Optimal, there are no
            material Contracts or other transactions between Optimal or any of
            its Subsidiaries, on the one hand, and any (i) officer or director
            of Optimal or any of its Subsidiaries, (ii) any holder of record or
            beneficial owner of 5% or more of the voting securities of Optimal,
            or (iii) any Affiliate or associate of any such officer, director or
            beneficial owner, on the other hand.

      (v)   Fees. There are no agreements that could give rise to any claim for
            an advisory fee, success fee, brokerage commission, finder's fee or
            other like payment against Optimal or any of its Subsidiaries in
            connection with the Transaction.

      (w)   Cumulative Breach. The breaches, if any, of the representations made
            by Optimal in this Agreement that would occur if all references in
            such representations to phrases concerning materiality, were
            deleted, are not breaches that in the aggregate represent
            circumstances which (i) have or would reasonably be expected to have
            a Material Adverse Effect on Optimal, or (ii) constitute, or would
            reasonably be expected to constitute, a Material Adverse Change in
            respect of Optimal.

3.3   Survival

      For greater certainty, the representations and warranties of Terra and
Optimal contained herein shall survive the execution and delivery of this
Agreement but shall terminate on the earlier of the termination of this
Agreement in accordance with its terms and the day after the Effective Date. Any
investigation by a Party and its advisors shall not mitigate, diminish or affect
the representations and warranties of the other Party.

                                    ARTICLE 4
                                    COVENANTS

4.1   Retention of Goodwill

      During the Pre-Effective Date Period, Terra will, subject to the fact that
a transaction involving its business is contemplated hereby, continue to carry
on the business of Terra and its Subsidiaries in a manner consistent with prior
practice, working to preserve the attendant goodwill of such entities and to
contribute to retention of that goodwill to and after the Effective Date, but
subject to the following provisions of this Article 4. The provisions of Section
4.2(a) are intended to be in furtherance of this general commitment.

4.2   Covenants of Terra

      (a)   Terra covenants and agrees that, during the Pre-Effective Date
            Period, except (i) with the consent of Optimal to any deviation
            therefrom; (ii) as set out in the Disclosure Letter; (iii) as
            Publicly Disclosed by Terra; (iv)

                                      -45-
<PAGE>

            with respect to any matter expressly contemplated by this Agreement
            or Ancillary Documents, including the transactions involving the
            business of Terra and Optimal contemplated by such documents, or (v)
            as required by Law; Terra will, and will cause each of its
            Subsidiaries to:

            (i)   continue to carry on its business in the ordinary course
                  consistent with past practice in all material respects, and to
                  use commercially reasonable efforts to preserve intact its
                  present business organization and its relationships with those
                  having material business dealings with it, to the end that its
                  goodwill and business shall be maintained; provided, however,
                  that no action by Terra or its Subsidiaries with respect to
                  matters specifically addressed by any other provision of this
                  Section 4.2(a) shall be deemed a breach of this Section 4.2(a)
                  unless such action would constitute a breach of one or more of
                  such other provisions;

            (ii)  not split, consolidate or reclassify any of the outstanding
                  shares of Terra nor declare, set aside or pay any dividends on
                  or make any other distributions on or in respect of the
                  outstanding shares of Terra;

            (iii) not amend the articles or by-laws of Terra or amend the
                  articles or by-laws of any of its Subsidiaries that is not
                  wholly owned in a manner that would affect its ownership or
                  control by Terra;

            (iv)  not sell, pledge, encumber, allot, reserve, set aside or
                  issue, or purchase or redeem, any shares in its capital or the
                  capital of any of its Subsidiaries or any class of securities
                  convertible or exchangeable into, or rights, warrants or
                  options to acquire, any such shares or other securities having
                  a right to vote or convertible or exchangeable into such
                  shares or securities, except for: (A) transactions between two
                  or more wholly owned Terra Subsidiaries or between a
                  wholly-owned Subsidiary of Terra and Terra; (B) the issuance
                  of Terra Shares pursuant to Terra Options and Terra Warrants
                  granted prior to the date of this Agreement; and (C) the
                  issuance of Terra Options pursuant to Section 2.8(c);

            (v)   not amend, vary or modify the Terra Stock Option Plan, Terra
                  Options or Terra Benefit Plans involving Terra Shares or
                  phantom equity, including any action to vest unvested Terra
                  Options or accelerate the release or expiry date of any hold
                  period relating to the Terra Shares;

            (vi)  not reorganize, amalgamate or merge Terra or any of its
                  Subsidiaries with any other Person, nor acquire or agree to
                  acquire by amalgamating, merging or consolidating with,
                  purchasing a substantial equity interest or substantial
                  portion of the business of,

                                      -46-
<PAGE>

                  any business or Person, which acquisition would be material to
                  Terra's business or financial condition on a consolidated
                  basis;

            (vii) not sell, lease, encumber or otherwise dispose of any material
                  assets except (A) transactions between two or more wholly
                  owned Terra Subsidiaries or between a wholly-owned Subsidiary
                  of Terra and Terra; or (B) with respect to the sale of
                  inventory of Terra or any Subsidiary in the ordinary course of
                  business consistent with past practice;

           (viii) not:

                  (A)   in the case of directors and officers of Terra, enter
                        into or modify any employment, retention, severance, or
                        similar agreements, policies or arrangements with, or
                        grant any bonuses, salary increases, pension or
                        supplemental pension benefits, profit sharing,
                        retirement allowances, deferred compensation, incentive
                        compensation, retention, severance or termination pay to
                        or any other form of compensation to, or increase the
                        benefits payable to, or make any loan to, any officers
                        or directors of Terra or any of its Subsidiaries other
                        than as contemplated by this Agreement or required under
                        the terms of a Terra Benefit Plan, existing bonus plan
                        or written employment agreement in effect prior to the
                        date of this Agreement (or permitted to be entered under
                        this Agreement); or

                  (B)   in the case of employees who are not officers or
                        directors of Terra or any of its Subsidiaries, take any
                        action with respect to the entering into or modification
                        of any employment, retention, severance, collective
                        bargaining or similar agreements, policies or
                        arrangements or grant any bonuses, salary increases,
                        pension or supplemental pension benefits, profit
                        sharing, retirement allowances, deferred compensation,
                        incentive compensation, retention, severance or
                        termination pay or any other form of compensation that
                        are individually or in the aggregate material to Terra
                        and its Subsidiaries on a consolidated basis or increase
                        the benefits payable to, or make any loans to employees
                        that are individually or in the aggregate material to
                        Terra and its Subsidiaries on a consolidated basis,
                        other than as required by Law, or as contemplated by
                        this Agreement or as required under the terms of a Terra
                        Benefit Plan, existing bonus plan or written employment
                        agreement in effect prior to the date of this Agreement
                        (or permitted to be entered under this Agreement) or for
                        annual increases in the ordinary course of business
                        consistent with

                                      -47-
<PAGE>

                        past practice or in connection with promotions in the
                        ordinary course of business consistent with past
                        practice;

            (ix)  not guarantee the payment of material indebtedness of another
                  Person or enter into any "keep well" or other agreement having
                  the economic effect of the foregoing (other than in respect of
                  a wholly owned Affiliate or pursuant to contractual
                  obligations in effect prior to the date of this Agreement);

            (x)   not incur indebtedness for money borrowed or issue or sell any
                  debt securities or warrants or other rights to acquire debt
                  securities other than (A) in connection with the renewal or
                  replacement (on substantially equivalent terms) of existing
                  credit facilities; or (B) for short term indebtedness incurred
                  in the ordinary course of business consistent with past
                  practice;

            (xi)  not, except in the ordinary course of business consistent with
                  past practice: (A) satisfy or settle any claims or liabilities
                  substantially prior to the same being due, except such as have
                  been reserved against in the Financial Statements or which
                  are, individually or in the aggregate, not material to Terra
                  on a consolidated basis; (B) grant any waiver, exercise any
                  option or relinquish any contractual rights which are,
                  individually or in the aggregate, material to Terra on a
                  consolidated basis; or (C) enter into any interest rate,
                  currency equity or commodity swaps, hedges or other similar
                  financial instruments;

            (xii) not make any changes to existing accounting policies relating
                  to Terra or any of its Subsidiaries, except as required by Law
                  or a Government Authority or required by applicable generally
                  accepted accounting principles;

           (xiii) use its reasonable commercial efforts (or cause each of its
                  Subsidiaries to use reasonable commercial efforts) to cause
                  its current insurance (or re-insurance) policies not to be
                  cancelled or terminated or any of the coverage thereunder to
                  lapse, unless simultaneously with such termination,
                  cancellation or lapse, replacement policies underwritten by
                  insurance and re-insurance companies of nationally recognized
                  standing providing coverage equal to or greater than the
                  coverage under the cancelled, terminated or lapsed policies
                  for substantially similar premiums are in full force and
                  effect;

            (xiv) not make any loan, advances or capital contributions to, or
                  investments in, any other Person, except for:

                                      -48-
<PAGE>

                        (A)   loans or investments by Terra or a Subsidiary of
                              Terra to or in Terra or any Subsidiary of Terra
                              or, in the ordinary course of business consistent
                              with past practice, any other Person in which
                              Terra or any Subsidiary has an existing equity
                              interest; or

                        (B)   in the ordinary course of business consistent with
                              past practice which are not, individually or in
                              the aggregate, material to Terra on a consolidated
                              basis (provided that none of such transactions
                              referred to in this clause presents a material
                              risk of making it more difficult to obtain, under
                              applicable Laws, any approval or authorization
                              required in connection with the transactions
                              contemplated by this Agreement);

            (xv)  not incur or commit to any capital expenditures except in the
                  ordinary course of business provided that such capital
                  expenditures are reflect in the financial projections provided
                  to Optimal;

            (xvi) not make any changes to existing accounting practices relating
                  to Terra or any of its Subsidiaries, except as required by Law
                  or a Government Authority or required by applicable generally
                  accepted accounting principles;

            (xvii) not make or rescind any material express or deemed election
                  relating to Taxes;

            (xviii) not make a request for a Tax ruling or enter into any
                  material agreement with any Governmental Authority with
                  respect to Taxes;

            (xix) not settle or compromise any material assessment,
                  reassessment, litigation, arbitration, investigation, audit or
                  dispute relating to Taxes;

            (xx)  not change in any material respect any of its methods of
                  reporting income, deductions or accounting for Tax purposes
                  from those employed in the preparation of its most recently
                  filed Tax Returns, except as may be required by applicable
                  Law;

            (xxi) promptly inform Optimal as to any material communication in
                  respect of Taxes received by it after the date hereof from any
                  Governmental Authority;

            (xxii) not authorize, agree or propose to take any actions
                  prohibited by this Section 4.2(a).

                                      -49-
<PAGE>

      (b)   During the Pre-Effective Date Period, Terra shall and shall cause
            its Subsidiaries to perform all obligations required or desirable to
            be performed by Terra or any of its Subsidiaries under this
            Agreement, co-operate with Optimal in connection therewith, and do
            all such other acts and things as may be necessary or desirable in
            order to consummate and make effective, as soon as reasonably
            practicable, the transactions contemplated in this Agreement and,
            without limiting the generality of the foregoing, Terra shall and
            where appropriate shall cause its Subsidiaries to:

            (i)   use commercially reasonable efforts to obtain the requisite
                  approvals of the Terra Shareholders to the Terra Resolution
                  including participating in joint presentations to Terra
                  Shareholders and Optimal Shareholders, except to the extent
                  that the board of directors of Terra has withdrawn, modified
                  or qualified its recommendation to shareholders in accordance
                  with the terms of this Agreement;

            (ii)  advise Optimal as requested, and on a daily basis on each of
                  the last seven Business Days prior to the Terra Meeting as to
                  the aggregate tally of the proxies and votes received in
                  respect of the Terra Meeting and all matters to be considered
                  at such meeting;

            (iii) apply for and use commercially reasonable efforts to obtain
                  all Regulatory Approvals relating to Terra or any of its
                  Subsidiaries or to the Transaction and, in doing so, to keep
                  Optimal informed as to the status of the proceedings related
                  to obtaining the Regulatory Approvals, including, but not
                  limited to, providing Optimal with copies of all related
                  applications and notifications, in draft form, in order for
                  Optimal to provide its reasonable comments and providing
                  Optimal with copies of all material correspondence;

            (iv)  use commercially reasonable efforts to effect all necessary
                  registrations, filings and submissions of information required
                  by Governmental Authorities from Terra or any of its
                  Subsidiaries relating to the Transaction;

            (v)   use commercially reasonable efforts to obtain all necessary
                  waivers, consents and approvals required to be obtained by
                  Terra or any of its Subsidiaries in connection with the
                  Transaction from other parties to any material loan
                  agreements, leases or other material contracts;

            (vi)  use commercially reasonable efforts to comply promptly with
                  all requirements which applicable Laws may impose on Terra or
                  its Subsidiaries with respect to the transactions contemplated
                  by this Agreement;

                                      -50-
<PAGE>

            (vii) use commercially reasonable efforts to defend all lawsuits and
                  other legal, regulatory or other proceedings to which it is a
                  party, challenging or affecting this Agreement or the
                  consummation of the transactions contemplated by this
                  Agreement;

           (viii) use commercially reasonable efforts to have lifted or
                  rescinded any injunction or restraining order relating to
                  Terra or other order which may adversely affect the ability of
                  the Parties to consummate the transactions contemplated by
                  this Agreement;

            (ix)  provide Optimal with a copy of any purported exercise of the
                  Dissent Rights and written communications with any holders
                  exercising or purporting to exercise Dissent Rights; and not
                  settle or compromise any claim brought by any present, former
                  or purported holder of any of its securities in connection
                  with the Transaction;

            (x)   promptly advise Optimal orally and, if then requested, in
                  writing:

                  (A)   of any event occurring subsequent to the date of this
                        Agreement that would render any representation or
                        warranty of Terra contained in this Agreement (except
                        any such representation or warranty which speaks solely
                        as of a date prior to the occurrence of such event), if
                        made on or as of the date of such event or the Effective
                        Time, untrue or inaccurate in any material respect;

                  (B)   of any Material Adverse Change in respect of Terra; and

                  (C)   of any material breach by Terra of any covenant or
                        agreement contained in this Agreement; and

            (xi)  use commercially reasonable efforts to ensure that Terra's
                  Affiliates (for the purposes of Rule 145 under the 1933 Act)
                  execute and deliver an Affiliate's Letter to Optimal on or
                  prior to the Effective Date.

4.3   Covenants of Optimal

      (a)   Optimal covenants and agrees that, during the Pre-Effective Date
            Period, except (i) with the consent of Terra to any deviation
            therefrom, which consent shall not be unreasonably withheld or
            delayed; (ii) as set out in the Optimal Disclosure Letter; (iii) as
            Publicly Disclosed by Optimal; (iv) with respect to any matter
            expressly contemplated by this Agreement or Ancillary Documents,
            including the transactions involving the business of Optimal and
            Terra contemplated by such documents; or (v) as required by Law;
            Optimal will, and will cause each of its Subsidiaries to:

                                      -51-
<PAGE>

            (i)   not split, consolidate or, except as permitted by Section 4.8,
                  reclassify any of the outstanding shares of Optimal nor
                  declare, set aside or pay any dividends on or make any other
                  distributions on or in respect of the outstanding shares of
                  Optimal;

            (ii)  except as permitted by Section 4.8, not amend the articles or
                  by-laws of Optimal or amend the articles or by laws of any of
                  its Subsidiaries that is not wholly owned in a manner that
                  would affect its ownership or control by Optimal;

            (iii) not purchase or redeem any shares in its capital or the
                  capital of any of its Subsidiaries or any class of securities
                  convertible or exchangeable into, or rights, warrants or
                  options to acquire, any such shares or other securities having
                  a right to vote or convertible or exchangeable into such
                  shares or securities, except for transactions between two or
                  more wholly owned Optimal Subsidiaries or between a wholly
                  owned Subsidiary of Optimal and Optimal;

            (iv)  except as permitted by Section 4.8, not reorganize, amalgamate
                  or merge Optimal or any of its Subsidiaries with any other
                  Person;

            (v)   not change in any material respect any of its methods of
                  reporting income, deductions or accounting for Tax purposes
                  from those employed in the preparation of its most recently
                  filed Tax Returns, except as may be required by applicable
                  Law; and

            (vi)  not authorize, agree or propose to take any actions prohibited
                  by this Section 4.3(a).

      (b)   Optimal shall and shall cause its Subsidiaries to perform all
            obligations required or desirable to be performed by Optimal or by
            any of its Subsidiaries under this Agreement, to co-operate with
            Terra in connection therewith, and to do all such other acts and
            things as may be necessary or desirable in order to consummate and
            make effective, as soon as reasonably practicable, the transactions
            contemplated by this Agreement and, without limiting the generality
            of the foregoing:

            (i)   to apply for and use commercially reasonable efforts to obtain
                  all Regulatory Approvals relating to the Transaction and, in
                  doing so, to keep Terra informed as to the status of the
                  proceedings related to obtaining the Regulatory Approvals,
                  including, but not limited to, providing Terra with copies of
                  all related applications and notifications, in draft form, in
                  order for Terra to provide its reasonable comments and
                  providing Terra with copies of all material correspondence;

                                      -52-
<PAGE>

            (ii)  to effect all necessary registrations, filings and submissions
                  of information required by Governmental Authorities from
                  Optimal or its Subsidiaries relating to the Transaction;

            (iii) to use commercially reasonable efforts to comply promptly with
                  all requirements which applicable Laws may impose on Optimal
                  or its Subsidiaries with respect to the transactions
                  contemplated by this Agreement;

            (iv)  to use commercially reasonable efforts to defend all lawsuits
                  or other legal, regulatory or other proceedings, to which it
                  is a party, challenging or affecting this Agreement or the
                  consummation of the transactions contemplated by this
                  Agreement;

            (v)   to use commercially reasonable efforts to have lifted or
                  rescinded any injunction or restraining order or other order
                  relating to Optimal which may adversely affect the ability of
                  the Parties to consummate the transactions contemplated by
                  this Agreement; and

            (vi)  to promptly advise Terra orally and, if then requested, in
                  writing:

                  (A)   of any event occurring subsequent to the date of this
                        Agreement that would render any representation or
                        warranty of Optimal contained in this Agreement (except
                        any such representation or warranty which speaks solely
                        as of a date prior to the occurrence of such event), if
                        made on or as of the date of such event or the Effective
                        Time, untrue or inaccurate in any material respect;

                  (B)   of any Material Adverse Change in respect of Optimal;
                        and

                  (C)   of any material breach by Optimal of any covenant or
                        agreement contained in this Agreement.

4.4   Terra Covenants Regarding Non-Solicitation

      (a)   Terra shall, and shall cause the officers, directors, employees,
            representatives and agents of Terra and its Subsidiaries to, cease
            immediately all current discussions and negotiations regarding any
            proposal that constitutes, or may reasonably be expected to lead to,
            an Acquisition Proposal, and request and enforce the return or
            destruction of all confidential information provided in connection
            therewith. Terra shall not release any third party from any
            confidentiality agreement or standstill agreement. Prior to the
            Effective Time, Terra shall confirm to Optimal that third parties
            with whom it has discussed any Acquisition Proposal in the last six
            months have either returned such confidential information or have
            certified its destruction.

                                      -53-
<PAGE>

      (b)   Subject to Section 4.5, Terra shall not, directly or indirectly,
            through any officer, director, employee, representative (including
            for greater certainty any investment banker, lawyer or accountant)
            or agent of Terra or any of its Subsidiaries (i) solicit, initiate,
            knowingly encourage or otherwise facilitate (including by way of
            furnishing information or entering into any form of agreement,
            arrangement or understanding) the initiation of any inquiries or
            proposals regarding an Acquisition Proposal, (ii) participate in any
            discussions or negotiations regarding, or provide any confidential
            information with respect to, any Acquisition Proposal, (iii) approve
            or recommend, or publicly propose to approve or recommend, any
            Acquisition Proposal, or (iv) accept or enter into, or publicly
            propose to accept or enter into, any letter of intent, agreement,
            arrangement or understanding related to any Acquisition Proposal.

      (c)   Notwithstanding Section 4.4(b) and any other provision of this
            Agreement, nothing shall prevent the board of directors of Terra
            from (i) taking any action to the extent ordered or otherwise
            mandated by any court of competent jurisdiction, or (ii) from
            considering, participating in any discussions or negotiations, or
            entering into a confidentiality agreement and providing information
            pursuant to Section 4.4(e), if and only to the extent that, in any
            such case referred to in clause (ii), (A) Terra has complied with
            Section 4.4 and (B) the board of directors of Terra concludes in
            good faith in the case of clause (ii), after consultation with their
            outside legal and financial advisors, that (x) any required
            financing of such Acquisition Proposal is reasonably likely to be
            obtained; and that (y) in the case of clause (ii) that, after taking
            the steps contemplated in clause (ii), it is reasonably likely that
            the board of directors of Terra would determine that such
            Acquisition Proposal is a Superior Proposal.

      (d)   Terra shall forthwith notify Optimal of any Acquisition Proposal and
            any inquiry of which a director or an officer of Terra or Terra's
            financial advisor is made aware that could lead to an Acquisition
            Proposal, or any amendments to the foregoing, or any request for
            non-public information relating to Terra or any of its Subsidiaries
            in connection with an Acquisition Proposal or for access to the
            properties, books or records of Terra or any of its Subsidiaries by
            any Person. Such notice shall include a description of the material
            terms and conditions of any proposal, the identity of the Person
            making such proposal, inquiry or contact and provide such other
            details of the proposal, inquiry or contact as Optimal may
            reasonably request. Terra shall promptly (and in any event within 24
            hours) advise Optimal of any material modification or proposed
            modification to any such Acquisition Proposal or inquiry.

      (e)   If Terra receives a request for material non-public information from
            a Person who has made an unsolicited bona fide written Acquisition
            Proposal and Terra is permitted, subject to and as contemplated
            under Section 4.4(c), to negotiate the terms of such Acquisition
            Proposal, then,

                                      -54-
<PAGE>

            and only in such case, the board of directors of Terra may, subject
            to the execution by such Person of a confidentiality agreement
            containing employee non-solicitation provisions substantially
            similar to those contained in this Agreement and the Confidentiality
            Agreement provide such Person with access to information regarding
            Terra; provided that Terra sends a copy of any such confidentiality
            agreement to Optimal promptly upon its execution and Optimal is
            provided with a list of, and copies of, the information provided to
            such Person and is also provided upon request with access to similar
            information to which such Person was provided on a timely basis.

      (f)   Terra shall ensure that its officers, directors and employees and
            its Subsidiaries and their officers, directors and employees and any
            financial advisors or other advisors or representatives retained by
            it or its Subsidiaries are aware of the provisions of this Section
            4.4, and Terra shall be responsible for any breach of this Section
            4.4 by its and its Subsidiaries' officers, directors, employees,
            representatives or agents.

4.5   Matching Rights

      (a)   Notwithstanding Section 4.4(b), Terra may accept, approve, recommend
            or enter into any agreement, understanding or arrangement in respect
            of an unsolicited Superior Proposal if, and only if: (i) it has
            complied with this Article 4; (ii) it has provided Optimal with a
            copy of the Superior Proposal document; (iii) five Business Days
            (the "Match Period") shall have elapsed from the later of the date
            Optimal received written notice advising Optimal that Terra's board
            of directors has resolved, subject only to compliance with this
            Section 4.5, to accept, approve, recommend or enter into an
            agreement, understanding or arrangement in respect of such Superior
            Proposal and the date Optimal received a copy of such Superior
            Proposal and (iv) at the Expiry of the Match Period it remains a
            Superior Proposal under Section 4.5(b). In such circumstances,
            Terra's board of directors may also withdraw, modify or qualify its
            recommendation of the Transaction. In the event that Terra provides
            Optimal with the notice contemplated in this Section on a date that
            is less than five Business Days prior to the Terra Meeting, if
            requested by Optimal, Terra shall adjourn the Terra Meeting to a
            date that is not less than seven Business Days and not more than ten
            Business Days after the date of such notice.

      (b)   During the Match Period, Terra agrees that Optimal shall have the
            right, but not the obligation, to offer to amend the terms of this
            Agreement. The board of directors of Terra will review any offer by
            Optimal to amend the terms of this Agreement in good faith in order
            to determine, in its discretion in the exercise of its fiduciary
            duties (but without regard to any requirement for approval or
            further approval by Optimal's Shareholders, unless it has reasonable
            grounds to expect that such shareholder approval will not be
            obtained), whether Optimal's offer upon acceptance by Terra

                                      -55-
<PAGE>

            would result in such Superior Proposal ceasing to be a Superior
            Proposal. If the board of directors of Terra so determines, it will
            enter into an amended agreement with Optimal reflecting Optimal's
            amended proposal. If the board of directors of Terra continues to
            believe, in good faith, after consultation with its financial
            advisors and outside counsel, that such Superior Proposal remains a
            Superior Proposal (without regard to any requirement for approval or
            further approval by Optimal's Shareholders, unless it has reasonable
            grounds to expect that such shareholder approval will not be
            obtained) and therefore rejects Optimal's amended proposal, at the
            expiry of the Match Period in accordance with Section 4.5(a), Terra
            may approve, recommend, accept or enter into an agreement,
            understanding or arrangement with respect to the Superior Proposal;
            provided that such acceptance or agreement does not obligate Terra
            or any other Person to seek to interfere with the completion of the
            Transaction or impose on Terra or any subsidiary any "break",
            "hello" or other fees or options or rights to acquire assets or
            securities, or any other obligations that would survive the
            Effective Date, unless and until this Agreement is terminated in
            accordance with its terms and the fees referred to in Section 6.3(a)
            are paid. In addition, in such circumstances, Terra may proceed with
            such approvals, consents, filings with, of or required by
            Governmental Authorities and such other Person as Terra shall
            consider appropriate in order to consummate such Superior Proposal,
            provided that such activity does not interfere with the completion
            of the Transaction. If as a result of the application of this
            Section 4.5 there is another Acquisition Proposal that is a Superior
            Proposal to be considered at the Terra Meeting, the order of
            presentation, signage, proxy forms and other matters related thereto
            shall be acceptable to Optimal.

      (c)   Subject to the last sentence of Section 4.5(a), nothing contained in
            this Section 4.5 shall limit in any way the obligation of Terra to
            convene and hold the Terra Meeting in accordance with Section 2.2 of
            this Agreement.

      (d)   Terra acknowledges and agrees that each successive material
            amendment to any Acquisition Proposal, including any amendment to
            the consideration for Terra Shares, shall constitute a new
            Acquisition Proposal requiring the initiation of a new Match Period
            in respect of that amended Acquisition Proposal.

4.6   Access to Information

      (a)   Subject to applicable Laws, upon reasonable notice, Terra shall (and
            shall cause each of its Subsidiaries to) afford Optimal's officers,
            employees, counsel, accountants and other authorized representatives
            and advisors ("Representatives") access, during normal business
            hours from the date hereof and until the earlier of the Effective
            Date or the termination of this Agreement, to its and its
            Subsidiaries' properties, books, contracts and records as well as to
            its management personnel, and, during such period,

                                      -56-
<PAGE>

            Terra shall (and shall cause each of its Subsidiaries to) furnish
            promptly to Optimal all information concerning Terra's and its
            Subsidiaries' businesses, properties and personnel as Optimal may
            reasonably request. Subject to applicable Laws, upon reasonable
            notice, Optimal shall afford Terra's Representatives the
            opportunity, upon reasonable notice and during normal business hours
            from the date hereof and until the earlier of the Effective Date or
            termination of this Agreement, to speak to appropriate Optimal
            management personnel as Terra may reasonably request, without
            materially interfering with their other responsibilities.

4.7   Optimal Board Designees

      At the Effective Time, Optimal shall cause two mutually agreed upon
individuals to be appointed to the board of directors of Optimal (the "Optimal
Board") and shall cause such individuals to be nominated for election to the
Optimal Board at the next annual meeting of Optimal Shareholders.

4.8   Optimal Covenant Regarding Non-Solicitation

      During the Pre-Effective Date Period, Optimal shall not, directly or
indirectly, through any officer, director, employee, representative (including
for greater certainty any investment banker, lawyer or accountant) or agent of
Optimal or any of its Subsidiaries, solicit, initiate, knowingly encourage or
otherwise facilitate (including by way of furnishing information or entering
into any form of agreement, arrangement or understanding) the initiation of any
inquiries or proposals regarding a Change of Control; provided, however, that
nothing contained in this Section 4.8 or any other provision of this Agreement
shall prevent the Optimal Board from responding to an unsolicited proposal or
offer from, providing information to, or entering into any agreement with, any
other Person, if the Optimal Board determines in good faith that it is required
to do so in order to properly discharge its fiduciary duties.

4.9   Indemnification

      (a)   Optimal agrees that all rights to indemnification or exculpation
            existing in favour of the directors or officers of Terra or any
            Subsidiary as provided in its articles or by-laws as at the date of
            the Confidentiality Agreement shall survive the Transaction and
            shall continue in full force and effect for a period of not less
            than six years from the Effective Time.

      (b)   There shall be maintained in effect, for not less than six years
            from the Effective Time, coverage substantially equivalent to that
            in effect under the current policies of the directors' and officers'
            liability insurance maintained by Terra or any of its Subsidiaries,
            as the case may be, which is no less advantageous, and with no gaps
            or lapses in coverage with respect to matters occurring prior to the
            Effective Time; provided that in no event shall Optimal be required
            to expend in any one year an amount in excess of 200% and if the
            annual premiums of such insurance coverage

                                      -57-
<PAGE>

            exceed such amount, Optimal shall be obligated to obtain a
            substantially similar policy with the greatest coverage available
            (as to quantum and events) for such maximum cost. Alternatively, at
            Optimal's option, it may cause Terra to purchase "run-off"
            directors' and officers' liability insurance providing coverage
            substantially as favourable to such directors and officers as that
            in effect under such current policies to cover prior events during
            such six year period or the balance thereof.

                                    ARTICLE 5
                                   CONDITIONS

5.1   Mutual Conditions Precedent

      The respective obligations of the Parties to complete the Transaction
shall be subject to the satisfaction, on or before the Effective Time, of the
following conditions precedent, each of which may only be waived by the mutual
consent of Optimal and Terra:

      (a)   the Terra Resolution shall have been approved at the Terra Meeting
            by not less than 66 2/3% of votes cast by the Terra Shareholders who
            are represented at the Terra Meeting;

      (b)   the Articles of Amalgamation shall be in content consistent with
            this Agreement and in form satisfactory to the Parties acting
            reasonably in that context;

      (c)   the Optimal Shareholders shall have approved the Optimal Resolution
            at the Optimal Meeting by a simple majority of the votes cast at the
            Optimal Meeting;

      (d)   there shall not be in force any Law, final and non-appealable
            injunction, order or decree prohibiting, restraining or enjoining
            the consummation of the Transaction;

      (e)   the Regulatory Approvals shall have been obtained or satisfied on
            terms and conditions satisfactory to Optimal and Terra acting
            reasonably, (but in case of Terra only insofar as it would directly
            materially adversely affect Terra Shareholders);

      (f)   other than the Regulatory Approvals, all consents, waivers, permits,
            orders and approvals of any Governmental Authority, and the expiry
            of any waiting periods, in connection with, or required to permit,
            the consummation of the Transaction, the failure of which to obtain
            or the non-expiry of which would constitute a criminal offence or
            would have a Material Adverse Effect on Optimal or Terra, as the
            case may be, shall have been obtained or satisfied on terms that
            could not reasonably be expected to have a Material Adverse Effect
            on Optimal and/or Terra;

                                      -58-
<PAGE>

      (g)   the orders referred to in Section 2.6 shall have been obtained, and
            the Optimal Shares issuable pursuant to the Transaction and upon the
            exercise of the New Terra Options, the Terra Warrants, the Terra
            Broker Warrants, the AOL Warrant and the EBS Warrant shall have been
            approved for quotation on NASDAQ, subject to the filing of required
            documentation, notice of issuance and/or other usual requirements
            and compliance with all applicable securities laws; and

      (h)   this Agreement shall not have been terminated pursuant to Article 6.

5.2   Additional Conditions Precedent to the Obligations of Optimal

      (a)   The obligation of Optimal to complete the Transaction shall also be
            subject to the fulfillment of each of the following conditions
            precedent (each of which is for Optimal's exclusive benefit and may
            be waived by Optimal):

            (i)   all covenants of Terra under this Agreement to be performed on
                  or before the Effective Time shall have been duly performed by
                  Terra and Optimal shall have received a certificate of Terra
                  addressed to Optimal and dated the Effective Date, signed on
                  behalf of Terra by two senior executive officers of Terra (on
                  Terra's behalf and without personal liability), confirming the
                  same as at the Effective Date;

            (ii)  (A) the representations and warranties of Terra that are
                  qualified by references to materiality shall be true and
                  correct; (B) the representations and warranties of Terra not
                  so qualified (except Section 3.1(a), Section 3.1(b) and
                  Section 3.1(c)(i) through (iii)) shall be true and correct in
                  all material respects; and (C) the representations in Section
                  3.1(a), Section 3.1(b) and Section 3.1(c)(i) through (iii)
                  shall be true and correct, in each case as of the Effective
                  Time as if made on and as of such time (except to the extent
                  such representations and warranties speak solely as of an
                  earlier date, in which event such representations and
                  warranties shall be true and correct to such extent as of such
                  earlier date, or except as affected by transactions
                  contemplated or permitted by this Agreement), and Optimal
                  shall have received a certificate of Terra addressed to Terra
                  and dated the Effective Date, signed on behalf of Terra by two
                  senior executive officers of Terra (on Terra's behalf and
                  without personal liability), confirming the same as at the
                  Effective Date;

            (iii) the board of directors of Terra shall have adopted all
                  necessary resolutions, and all other necessary corporate
                  action shall have

                                      -59-
<PAGE>

                  been taken by Terra and its Subsidiaries to permit the
                  consummation of the Transaction;

            (iv)  during the Pre-Effective Date Period, there shall not have
                  occurred or have been disclosed to the public, in each case if
                  previously undisclosed to the public or Optimal, a Material
                  Adverse Change to Terra;

            (v)   there shall not be pending or threatened in writing any suit,
                  action or proceeding by any Person: (A) seeking to prohibit or
                  restrict the acquisition by Optimal or any of its Subsidiaries
                  of any Terra Shares, seeking to restrain or prohibit the
                  consummation of the Transaction or seeking to obtain from
                  Terra or Optimal any material damages directly or indirectly
                  in connection with the Transaction, (B) seeking to prohibit or
                  materially limit the ownership or operation by Optimal or any
                  of its Subsidiaries of Terra or any material portion of the
                  business or assets of Terra or any of its Subsidiaries or to
                  compel Optimal or any of its Subsidiaries to dispose of or
                  hold separate any portion of the business or assets of Terra
                  or any of its Subsidiaries, (C) seeking to impose limitations
                  on the ability of Optimal or any of its Subsidiaries to
                  acquire or hold, or exercise full rights of ownership of, any
                  Terra Shares, including the right to vote the Terra Shares to
                  be acquired by them on all matters properly presented to the
                  shareholders of Terra, (D) seeking to prohibit Optimal or any
                  of its Subsidiaries from effectively controlling in any
                  material respect the business or operations of Terra or any of
                  its Subsidiaries or (E) which, if successful, in the judgement
                  of Optimal is reasonably likely to have a Material Adverse
                  Effect on Terra or Optimal; and

            (vi)  the Holders of Terra Shares representing in excess of 10% of
                  the outstanding Terra Shares shall not have exercised Dissent
                  Rights in connection with the Amalgamation that have not been
                  withdrawn.

      (b)   Optimal may not rely on the failure to satisfy any of the conditions
            precedent in Section 5.1 or Section 5.2 if the condition precedent
            would have been satisfied but for a material default by Optimal in
            complying with its obligations in this Agreement.

5.3   Additional Conditions Precedent to the Obligations of Terra

      (a)   The obligation of Terra to complete the Transaction shall also be
            subject to the following conditions precedent (each of which is for
            the exclusive benefit of Terra and may be waived by Terra):

            (i)   all covenants of Optimal under this Agreement to be performed
                  on or before the Effective Time shall have been duly
                  performed, and

                                      -60-
<PAGE>

                  Terra shall have received a certificate of Optimal addressed
                  to Terra and dated the Effective Date, signed on behalf of
                  Optimal by two senior executive officers of Optimal (on
                  Optimal's behalf and without personal liability), confirming
                  the same as at the Effective Date;

            (ii)  (A) the representations and warranties of Optimal that are
                  qualified by references to materiality shall be true and
                  correct; (B) the representations and warranties of Optimal not
                  so qualified (except Section 3.2(a), Section 3.2(b) and
                  Section 3.2(c)(i) through (iii)) shall be true and correct in
                  all material respects; and (C) the representations in Section
                  3.2(a), Section 3.2(b) and Section 3.2(c)(i) through (iii)
                  shall be true and correct, in each case as of the Effective
                  Time as if made on and as of such time except to the extent
                  such representations and warranties speak solely as of an
                  earlier date, in which event such representations and
                  warranties shall be true and correct to such extent as of such
                  earlier date, or except as affected by transactions
                  contemplated or permitted by this Agreement), and Terra shall
                  have received a certificate of Optimal addressed to Terra and
                  dated the Effective Date, signed on behalf of Optimal by two
                  senior executive officers of Optimal (on Optimal's behalf and
                  without personal liability), confirming the same as at the
                  Effective Date;

            (iii) the Optimal Board shall have adopted all necessary
                  resolutions, and all other necessary corporate action shall
                  have been taken by Optimal to permit the consummation of the
                  Transaction and the issue of Optimal Shares upon the due
                  exercise of New Terra Options and the Terra Warrants in
                  accordance with their terms, including the payment of the
                  exercise price;

            (iv)  during the Pre-Effective Date Period, there shall not have
                  occurred or have been disclosed to the public, in each case if
                  previously undisclosed to the public or Terra, a Material
                  Adverse Change to Optimal; and

            (v)   there shall not be pending or threatened in writing any suit,
                  action or proceeding by any Person: (A) seeking to prohibit or
                  restrict the acquisition by Terra Shareholders of any Optimal
                  Shares, seeking to restrain or prohibit the consummation of
                  the Transaction or seeking to obtain from Optimal or Terra any
                  material damages directly or indirectly in connection with the
                  Transaction, or (B) which, if successful, in the judgement of
                  Terra is reasonably likely to have a Material Adverse Effect
                  on Optimal or Terra.

      (b)   Terra may not rely on the failure to satisfy any of the conditions
            precedents in Section 5.1 or Section 5.3 if the condition precedent
            would

                                      -61-
<PAGE>

            have been satisfied but for a material default by Terra in complying
            with its obligations in this Agreement.

5.4   Notice and Cure Provisions

      (a)   Optimal and Terra will give prompt notice to the other of the
            occurrence, or failure to occur, at any time during the
            Pre-Effective Period of any event or state of facts which occurrence
            or failure would, or would be likely to:

            (i)   cause any of the representations or warranties of it contained
                  in this Agreement to be untrue or inaccurate on the date
                  hereof or on the Effective Time such that the conditions set
                  forth in Section 5.2 or Section 5.3, as applicable, would not
                  be satisfied as of the Effective Time; or

            (ii)  result in the failure in any material respect to comply with
                  or satisfy any covenant, condition or agreement to be complied
                  with or satisfied by the other under this Agreement prior to
                  the Effective Time such that the conditions set forth in
                  Section 5.2 or Section 5.3, as applicable, would not be
                  satisfied as of the Effective Time.

      (b)   Neither Optimal nor Terra may seek to rely upon any conditions
            precedent contained in Section 5.1, Section 5.2 or Section 5.3, or
            exercise any termination right arising therefrom, unless forthwith
            and in any event prior to the filing of the Articles of Amalgamation
            for acceptance by the Director, Optimal or Terra, as the case may
            be, has delivered a written notice to the other specifying in
            reasonable detail all breaches of covenants, representations and
            warranties or other matters which Optimal or Terra, as the case may
            be, are asserting as the basis for the non-fulfillment of the
            applicable condition precedent or the exercise of the termination
            right, as the case may be. If any such notice is delivered, provided
            that Terra or Optimal, as the case may be, is proceeding diligently
            to cure such matter, if such matter is susceptible to being cured
            (for greater certainty, except by way of disclosure in the case of
            representations and warranties), the other may not terminate this
            Agreement as a result thereof until the earlier of the Outside Date
            and 60 days from delivery of such notice. If such notice has been
            delivered prior to the date of the Terra Meeting and/or the Optimal
            Meeting, such meetings shall, unless the Parties agree otherwise, be
            postponed or adjourned until the expiry of such period. If such
            notice has been delivered prior to the filing of the Articles of
            Amalgamation with the Director, such filing shall be postponed until
            the expiry of such period. For greater certainty, in the event that
            such matter is cured within the time period referred to herein
            without a Material Adverse Effect on the Party in

                                      -62-
<PAGE>

            breach, this Agreement may not be terminated as a result of the
            cured breach.

5.5   Satisfaction of Conditions

      The conditions precedent set out in Section 5.1, Section 5.2 and Section
5.3, shall be conclusively deemed to have been satisfied, waived or released
when, with the agreement of Optimal and Terra, a Certificate of Amalgamation in
respect of the Amalgamation is issued by the Director.

                                    ARTICLE 6
                            AMENDMENT AND TERMINATION

6.1   Amendment

      (a)   This Agreement may, at any time and from time to time before or
            after the holding of the Terra Meeting or the Optimal Meeting but
            not later than the Effective Date, be amended by mutual written
            agreement of the Parties, and any such amendment may, without
            further shareholder approvals, subject to applicable Laws, without
            limitation:

            (i)   change the time for performance of any of the obligations or
                  acts of the Parties;

            (ii)  waive any inaccuracies or modify any representation or
                  warranty contained in this Agreement or in any document
                  delivered pursuant to this Agreement;

            (iii) waive compliance with or modify any of the covenants contained
                  in this Agreement and waive or modify performance of any of
                  the obligations of the Parties; and/or

            (iv)  waive compliance with or modify any conditions precedent
                  contained in this Agreement provided that any such change does
                  not decrease the consideration payable to Terra Shareholders.

      (b)   During the Pre-Effective Date Period, the Parties will use
            commercially reasonable efforts to maximize present and future
            financial and tax planning opportunities for Optimal and Terra as a
            subsidiary of Optimal as and to the extent that the same shall not
            prejudice any Party or its securityholders. The Parties will ensure
            that such planning activities do not impede the progress of the
            Transaction in any material way. If, at the request of Optimal,
            Terra effects any transaction before the Effective Date for such
            purposes, Optimal will be responsible for any structuring and
            unwinding costs if the Transaction is not consummated.

                                      -63-
<PAGE>

6.2   Termination

      (a)   If any condition contained in Section 5.1 or Section 5.2 is not
            satisfied at or before the Effective Time, then Optimal may, subject
            to Section 5.4 and to Section 5.2(b), by notice to Terra terminate
            this Agreement and the obligations of the Parties hereunder (except
            as otherwise herein provided, including under Section 6.3), but
            without detracting from the rights of Optimal arising from any
            breach by Terra but for which the condition would have been
            satisfied.

      (b)   If any condition contained in Section 5.1 or Section 5.3 is not
            satisfied at or before the Effective Time, then Terra may, subject
            to Section 5.4 and to Section 5.3(b), by notice to Optimal terminate
            this Agreement and the obligations of the Parties hereunder (except
            as otherwise herein provided, including under Section 6.3), but
            without detracting from the rights of Terra arising from any breach
            by Optimal but for which the condition would have been satisfied.

      (c)   This Agreement may:

            (i)   be terminated by the mutual agreement of Terra and Optimal,
                  (and for greater certainty, without further action on the part
                  of the Terra Shareholders or the Optimal Shareholders if
                  terminated after the holding of the Terra Meeting or the
                  Optimal Meeting, as applicable);

            (ii)  be terminated by either Terra or Optimal if there shall be
                  passed any Law that makes consummation of the Amalgamation
                  illegal or otherwise prohibited;

            (iii) be terminated by Optimal, if (A) the board of directors of
                  Terra shall have failed to recommend or shall have withdrawn,
                  modified or changed in a manner adverse to Optimal its
                  approval or recommendation of this Agreement, the Transaction
                  or the Terra Resolution (unless the condition set forth in
                  Section 5.3(a)(iv) is not satisfied or Optimal shall have made
                  a misrepresentation at the date hereof or breached a covenant
                  under this Agreement in such a manner that, taking into
                  account Section 5.3(b) and Section 5.4, Terra would be
                  entitled to rely on the failure of a condition set forth in
                  Section 5.3(a) as a reason not to complete the Transaction),
                  or (B) the board of directors of Terra shall have approved or
                  recommended any Acquisition Proposal other than the
                  Transaction;

            (iv)  be terminated by Terra, if the Optimal Board shall have failed
                  to recommend or shall have withdrawn, modified or changed in a
                  manner adverse to Terra its approval or recommendation of this

                                      -64-
<PAGE>

                  Agreement, the Transaction or the Optimal Resolution (unless
                  the condition set forth in Section 5.2(a)(iv) is not satisfied
                  or Terra shall have made a misrepresentation at the date
                  hereof or breached a covenant under this Agreement in such a
                  manner that, taking into account Section 5.2(b) and Section
                  5.4, Optimal would be entitled to rely on the failure of a
                  condition set forth in Section 5.25.2(a) as a reason not to
                  complete the Transaction);

            (v)   be terminated by either Optimal or Terra, if either the Terra
                  Shareholder approval or Optimal Shareholder approval shall not
                  have been obtained by reason of the failure to obtain the
                  requisite vote set out in Section 5.1 at the Terra Meeting or
                  the Optimal Meeting, respectively;

            (vi)  be terminated by Optimal if the Terra Meeting has not occurred
                  on or before the Terra Meeting Date (unless the condition set
                  forth in Section 5.3(a)(iv) is not satisfied or Optimal shall
                  have made a misrepresentation at the date hereof or breached a
                  covenant under this Agreement in such a manner that, taking
                  into account Section 5.3(b) and Section 5.4, Terra would be
                  entitled to rely on the failure of a condition set forth in
                  Section 5.3(a) as a reason not to complete the Transaction);
                  or

            (vii) be terminated by Terra if the Optimal Meeting has not occurred
                  on or before the Optimal Meeting Date (unless the condition
                  set forth in Section 5.2(a)(iv) is not satisfied or Terra
                  shall have made a misrepresentation at the date hereof or
                  breached a covenant under this Agreement in such a manner
                  that, taking into account Section 5.2(b) and Section 5.4,
                  Optimal would be entitled to rely on the failure of a
                  condition set forth in Section 5.2(a) as a reason not to
                  complete the Transaction);

      in each case, prior to the Effective Time.

      (d)   If the Effective Date has not occurred on or prior to the Outside
            Date, then, unless otherwise agreed in writing by the Parties, this
            Agreement shall terminate provided that the right to terminate this
            Agreement pursuant to this Section 6.2(d) shall not be available to
            the Party seeking to terminate if any action of such Party or its
            Affiliates or the failure of such Party or its Affiliates to perform
            any of its obligations under this Agreement required to be performed
            at or prior to the Effective Time shall have resulted in the
            conditions contained in Section 5.1, Section 5.2 or Section 5.3 (as
            applicable) not having been satisfied prior to the Outside Date.

      (e)   If this Agreement is terminated in accordance with the foregoing
            provisions of this Section 6.2, no Party shall have any further
            liability to

                                      -65-
<PAGE>

            perform its obligations under this Agreement except as provided in
            Section 6.3 and as otherwise expressly contemplated by this
            Agreement, and provided that neither the termination of this
            Agreement nor anything contained in this Section 6.2(e) shall
            relieve any Party from any liability for any breach by it of this
            Agreement, including from any inaccuracy in its representations and
            warranties and any non-performance by it of its covenants made in
            this Agreement.

6.3   Break and Other Fees

      (a)   If:

            (i)   Optimal shall terminate this Agreement pursuant to Section
                  6.2(c)(iii);

            (ii)  Optimal shall terminate this Agreement pursuant to Section
                  6.2(a) and an Acquisition Proposal has been publicly made,
                  publicly announced or otherwise publicly disclosed by any
                  Person other than Optimal prior to the Terra Meeting and has
                  not been withdrawn before the Terra Meeting; or

            (iii) Terra shall terminate this Agreement pursuant to Section
                  6.2(b) or Section 6.2(c)(iv), in each case, in circumstances
                  where the requisite Terra Shareholder approval has not been
                  obtained, and an Acquisition Proposal has been publicly made,
                  publicly announced or otherwise publicly disclosed by any
                  Person other than Optimal prior to the Terra Meeting and has
                  not been withdrawn before the Terra Meeting;

      then in any such case Terra shall pay to Optimal the Break Fee in
      immediately available funds to an account designated by Optimal. Such
      payment shall be due within one Business Day after demand by Optimal.
      Terra shall not be obligated to make more than one payment pursuant to
      this Section 6.3(a).

      (b)   If Terra shall terminate this Agreement pursuant to Section
            6.2(c)(iv), other than in the circumstances described in Section
            6.3(a)(iii), then Optimal shall pay to Terra the Break Fee in
            immediately available funds to an account designated by Terra. Such
            payment shall be due within one Business Day after demand by Terra.

      (c)   If Optimal shall terminate this Agreement pursuant to Section
            6.2(c)(vi) or if the Terra Shareholders shall fail to approve the
            Transaction at the Terra Meeting (unless the condition set forth in
            Section 5.3(a)(iv) is not satisfied or Optimal shall have made a
            misrepresentation at the date hereof or breached a covenant under
            this Agreement in such a manner that, taking into account Section
            5.3(b) and Section 5.4, Terra would be entitled to rely on the
            failure of a condition set forth in Section 5.3(a) as a reason not
            to complete the Transaction), then, except in the circumstances
            contemplated

                                      -66-
<PAGE>

            in Section 6.2(c)(iv), on the first Business Day following the
            termination of this Agreement as a result thereof, Terra shall pay
            to Optimal $500,000 as payment in full of Optimal's out-of-pocket
            costs and expenses in connection with the Transaction in immediately
            available funds to an account designated by Optimal. Any payment due
            under Section 6.3(a) shall be reduced dollar for dollar by any
            payment previously made under this Section 6.3(c).

      (d)   If Terra shall terminate this Agreement pursuant to Section
            6.2(c)(vii) or if the Optimal Shareholders shall fail to approve the
            Optimal Resolution at the Optimal Meeting (unless the condition set
            forth in Section 5.2(a)(iv) is not satisfied or Terra shall have
            made a misrepresentation at the date hereof or breached a covenant
            under this Agreement in such a manner that, taking into account
            Section 5.4, Optimal would be entitled to rely on the failure of a
            condition set forth in Section 5.2(a) as a reason not to complete
            the Transaction) then, except in the circumstances contemplated in
            Section 6.3(a) above, on the first Business Day following the
            termination of this Agreement as a result thereof, Optimal shall pay
            to Terra $500,000 as payment in full of Terra's out-of-pocket costs
            and expenses in connection with the Transaction in immediately
            available funds to an account designated by Terra. Any payment due
            under Section 6.3(b) shall be reduced dollar for dollar by any
            payment previously made under this Section 6.3(d).

6.4   Remedies

      The Parties acknowledge and agree that an award of money damages would be
inadequate for any breach of this Agreement by any Party or its representatives
and any such breach would cause the non-breaching Party irreparable harm.
Accordingly, the Parties agree that, in the event of any breach or threatened
breach of this Agreement by one of the Parties, the non-breaching Party will
also be entitled, without the requirement of posting a bond or other security,
to equitable relief, including injunctive relief and specific performance. Such
remedies will not be the exclusive remedies for any breach of this Agreement but
will be in addition to all other remedies available at law or equity to each of
the Parties.

                                    ARTICLE 7
                                     GENERAL

7.1   Notices

      Any notice, consent or approval required or permitted to be given in
connection with this Agreement (in this Section referred to as a "Notice") shall
be in writing and shall be sufficiently given if delivered (whether in person,
by courier service or other personal method of delivery), or if transmitted by
facsimile or email:

                                      -67-
<PAGE>

            (a)   If to Optimal, at:

                           4700 de la Savane
                           Suite 101
                           Montreal, Quebec
                           H4P 1T7

                           Attention:        Holden L. Ostrin
                           Telecopier No.:   (514) 738-8355
                           Email:            holdeno@opmr.com

                  with a copy to:

                           Osler, Hoskin & Harcourt LLP
                           1000 de La Gauchetiere Street West
                           Suite 2100
                           Montreal, Quebec
                           H3B 4W5

                           Attention:        Warren M. Katz
                           Telecopier No.:   (514) 904-8101
                           Email:            wkatz@osler.com

            (b)   If to Terra at:

                           2 Place Alexis Nihon
                           Suite 700
                           3500 de Maisonneuve Boulevard West
                           Westmount, Quebec
                           H3Z 3C1

                           Attention:        Mitchell A. Garber
                           Telecopier No.:   (514) 380-2768
                           Email:            mitch@terrapayments.com

                  with a copy to:

                           Stikeman Elliott LLP
                           1155 Rene-Levesque Boulevard West
                           40th Floor
                           Montreal, Quebec
                           H3B 3V2

                           Attention:        Sidney M. Horn and Peter Castiel
                           Telecopier No.:   (514) 397-3222
                           Email:            smhorn@stikeman.com
                                             pcastiel@stikeman.com

                                      -68-
<PAGE>

      Any Notice delivered or transmitted to a Party as provided above shall be
deemed to have been given and received on the day it is delivered or
transmitted, provided that it is delivered or transmitted on a Business Day
prior to 5:00 p.m. local time in the place of delivery or receipt. However, if
the Notice is delivered or transmitted after 5:00 p.m. local time or if such day
is not a Business Day then the Notice shall be deemed to have been given and
received on the next Business Day.

      Any Party may, from time to time, change its address by giving Notice to
the other Party in accordance with the provisions of this Section.

7.2   Assignment

      Neither this Agreement nor any rights or obligations under this Agreement
shall be assignable by any Party without the prior written consent of the other
Party, except that Optimal may assign all or part of its rights or obligations,
including the rights to acquire the Terra Shares, without reducing its own
obligations under this Agreement, to a wholly-owned Subsidiary. Subject to the
previous sentence, this Agreement shall enure to the benefit of and be binding
upon the Parties and their respective successors (including any successor by
reason of amalgamation of any Party) and permitted assigns. No third party shall
have any rights under this Agreement unless expressly stated to the contrary.

7.3   Further Assurances

      The Parties shall with reasonable diligence do all such things and provide
all such reasonable assurances as may be required to consummate the transactions
contemplated by this Agreement, and each Party shall provide such further
documents or instruments required by any other Party as may be reasonably
necessary or desirable to effect the purpose of this Agreement and carry out its
provisions.

7.4   Expenses

      Subject to Section 6.3, the Parties agree that all costs and expenses of
the Parties relating to the Transaction and the transactions contemplated by
this Agreement, including legal fees, accounting fees, financial advisory fees,
regulatory filing fees, stock exchange fees, all disbursements of advisors and
printing and mailing costs, shall be paid by the Party incurring such expenses.

7.5   Public Notices

      All public notices to third parties and all other publicity concerning the
transactions contemplated by this Agreement shall be jointly planned and
co-ordinated by the Parties and no Party shall act unilaterally in this regard
without the prior approval of the other Party, such approval not to be
unreasonably withheld, unless such disclosure shall be required to meet timely
disclosure obligations of any Party under applicable securities Laws and stock
exchange rules in circumstances where prior consultation with the other Party is
not practicable.

                                      -69-
<PAGE>

7.6   Execution and Delivery

      This Agreement may be executed by the Parties in counterparts and may be
executed and delivered by facsimile and all such counterparts and facsimiles
shall together constitute one and the same agreement.

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

                                            OPTIMAL ROBOTICS CORP.

                                            By:  /s/ Holden L. Ostrin
                                                 -------------------------------
                                                 Authorized Signing Officer

                                            By:  /s/ Neil S. Wechsler
                                                 -------------------------------
                                                 Authorized Signing Officer

                                            TERRA PAYMENTS INC.

                                            By:  /s/ Mitchell A. Garber
                                                 -------------------------------
                                                 Authorized Signing Officer

                                            By:  /s/ David Schwartz
                                                 -------------------------------
                                                 Authorized Signing Officer

                                      -70-EXHIBIT 10.19

                            ASSET PURCHASE AGREEMENT

      This Asset Purchase Agreement ("Agreement") is made and entered into on
the 3rd day of March, 2004 (the "Effective Date"), by and among NCR Corporation,
a Maryland corporation, having its principal place of business at 1700 S.
Patterson Blvd., Dayton, Ohio 45479 ("NCR"), NCR Canada Ltd., a Canadian
corporation, having its principal place of business at 6865 Century Avenue,
Mississauga, Ontario L5N 2E2 ("NCR Canada") NCR Limited (UK), an English
company, having its principal place of business at 205 Marylebone Road, London,
England NW1 6LY ("NCR UK"), (NCR, NCR Canada and NCR UK being collectively
referred to herein as "Buyer"), and Optimal Robotics Corp., a Canadian
corporation, having its principal place of business at 4700 de la Savane, Suite
101, Montreal, Quebec H4P 1T7 ("Optimal Corp."), Optimal Robotics Inc., a
Delaware corporation, having a mailing address at 4700 de la Savane, Suite 101,
Montreal, Quebec H4P 1T7 ("Optimal Inc.") and Optimal Robotics Plc., an English
company, having its mailing address at 4700 de la Savane, Suite 101, Montreal,
Quebec H4P 1T7 ("Optimal Plc.") (Optimal Corp., Optimal Inc. and Optimal Plc.
being collectively referred to herein as "Seller"). Capitalized terms not
defined in the context of this Agreement shall have the meanings specified in
Section 31.

                                    RECITALS:

      A.    Seller carries on the business of manufacturing, assembling,
            marketing, selling and servicing self-checkout systems (the
            "Business"); and

      B.    Seller has agreed to sell to Buyer and Buyer has agreed to purchase
            from Seller all of the assets of Seller needed to operate the
            Business as currently operated by Seller, on the terms and
            conditions of this Agreement.

NOW, THEREFORE, in consideration of the premises above and of the mutual
covenants, representations, warranties and agreements set forth herein, the
parties hereby agree as follows:

                                    AGREEMENT

      1.    Purchase and Sale of Purchased Assets. Subject to the terms and
            conditions of this Agreement, except for the Excluded Assets, on the
            Closing Date, Seller shall sell, assign, transfer, convey, and
            deliver to Buyer, and Buyer shall purchase from Seller, all of
            Seller's right, title and interest in and to the following property,
            undertakings and assets needed to operate the Business
            (collectively, the "Purchased Assets"), free and clear of all
            Encumbrances, other than Permitted Encumbrances:

                  (A)   the customer contracts, whether written or oral, to
                        which Seller is a party that are listed in Section 1(A)
                        of the Disclosure Schedule (the "Customer Contracts");

                  (B)   the supplier, subcontractor and vendor contracts,
                        whether written or oral, to which Seller is a party that
                        are listed in Section 1(B) of the Disclosure Schedule
                        (the "Vendor Contracts");

                  (C)   the third party commercial computer software and related

<PAGE>

                        maintenance contracts, to which Seller is a party that
                        are listed in Section 1(C) of the Disclosure Schedule
                        (the "Third Party Licenses");

                  (D)   all inventory, which shall consist of new and used, both
                        in and out of service, inventory held for rental and
                        sale, including, but not limited to, all inventory
                        currently being held to supply Seller's contractual
                        commitments, and all other similar rental items or other
                        items of inventory that are listed in Section 1(D) of
                        the Disclosure Schedule (the "Inventory"), together with
                        any express or implied warranty by the manufacturer or
                        seller of any item or component part thereof;

                  (E)   the lease of Seller's head office premises located at
                        4700 de la Savane, Montreal, Quebec, the lease of
                        Seller's assembly and warehousing facilities located at
                        651 Route 3 and 661 Route 3, Unit D, Plattsburgh, New
                        York and the leases pertaining to the service hubs
                        identified in Section 1(E) of the Disclosure Schedule
                        (the "Transferred Leases"), including any fixtures
                        thereon and leasehold improvements thereto;

                  (F)   any contracts (including any solicitation or outstanding
                        offers for contract), whether oral or written, other
                        than the Customer Contracts, the Vendor Contracts, the
                        Third Party Licenses and the Transferred Leases, to
                        which Seller is a party that are listed in Section 1(F)
                        of the Disclosure Schedule (the Customer Contracts,
                        Vendor Contracts, Transferred Leases, Third Party
                        Licenses and Contracts listed in Section 1(F) of the
                        Disclosure Schedule are sometimes referred to
                        collectively as the "Contracts" and individually as a
                        "Contract");

                  (G)   the licenses, permits, certificates, approvals,
                        exemptions, franchises, registrations, variances,
                        accreditations or authorizations that are listed in
                        Section 1(G) of the Disclosure Schedule (the "Permits");

                  (H)   the Intellectual Property;

                  (I)   the machinery, equipment, furniture, fixtures,
                        furnishings, office equipment, accessories, vehicles,
                        servers, network and telecommunications equipment,
                        personal computers, notebook computers, workstations,
                        printers, facsimile machines and other equipment needed
                        to operate the Business as currently operated by Seller
                        that are listed in Section 1(I) of the Disclosure
                        Schedule, and all assembly plant tools, together with
                        the supplies, tools, and office equipment dedicated to
                        or used by any Eligible Employee (regardless of whether
                        such Eligible Employee accepts Buyer's offer of
                        employment pursuant to Section 9(B)) and owned or leased
                        by Seller, such as cellular phones, pagers and
                        calculators used by each of them to operate the Business
                        (the "Equipment");

                  (J)   the telephone numbers, fax numbers and uniform or
                        universal

                                      -2-
<PAGE>

                        resource locators that are listed in Section 1(J) of the
                        Disclosure Schedule (the "Telephone, Fax and E-mail");

                  (K)   all accounts, notes or other receivables of Seller
                        generated in connection with the Business, existing as
                        of the Closing Date that are listed in Section 1(K) of
                        the Disclosure Schedule (the "Accounts Receivable");

                  (L)   all deposits and pre-paid expenses of Seller in
                        connection with the Business existing on the Closing
                        Date that are listed in Section 1(L) of the Disclosure
                        Schedule;

                  (M)   all books and records relating exclusively to the
                        Business (other than Seller's Tax returns and Seller's
                        organizational books and records) including, without
                        limitation, lists of customers, vendors and suppliers,
                        records with respect to pricing, volume, billing and
                        payment history, cost, inventory, machinery and
                        equipment, mailing lists, distribution lists, sales,
                        purchasing and materials, technical processes,
                        production and testing techniques and procedures,
                        marketing research, design and manufacturing drawings
                        and specifications and other engineering data,
                        promotional literature, training, operations, equipment
                        and other manuals, quotation, correspondence, and other
                        miscellaneous information, including any such records
                        which are maintained on computer;

                  (N)   all service manuals needed to operate the Business as
                        currently operated by Seller and the databases and
                        knowledge bases, in their current forms, listed in
                        Section 1(N) of the Disclosure Schedule needed to
                        operate the Business as curently operated by Seller; and

                  (O)   all other assets of every kind owned by Seller and
                        needed to operate the Business, whether or not similar
                        to the items specifically set forth, except for the
                        Excluded Assets.

            With respect to the Customer Contracts and Vendor Contracts, the
            parties agree that only the contracts listed in Sections 1(A) and
            1(B) of the Disclosure Schedule shall be transferred to Buyer under
            this Agreement; provided that if after the Closing Buyer discovers a
            contract related to the Business which Buyer determines is needed to
            operate the Business as currently operated and should have been
            included in the Purchased Assets, Seller will cooperate with Buyer
            to transfer such contract to Buyer. With respect to all other
            Purchased Assets, although the Schedules to this Agreement are
            intended to be complete, to the extent any rights or assets of
            Seller are needed to operate the Business as currently operated by
            Seller, but are not properly itemized or do not appear on the
            applicable Schedules where required, then, subject to Section 18,
            unless such rights or assets are Excluded Assets, the general
            language of Section 1 shall govern and such rights and assets shall
            nonetheless be deemed transferred to Buyer at Closing.

                                      -3-
<PAGE>

            Notwithstanding the joint and several nature of the obligations of
            purchase and sale set forth in the introductory paragraph of this
            Section 1: (i) Optimal Corp. shall sell, assign, transfer, convey,
            and deliver to NCR Canada, and NCR Canada shall purchase from
            Optimal Corp., all of Optimal Corp.'s right, title and interest in
            and to the Purchased Assets held by Optimal Corp., other than its
            right, title and interest in and to any Intellectual Property, which
            Optimal Corp. shall sell, assign, transfer, convey, and deliver NCR,
            and which NCR shall purchase from Optimal Corp.; (ii) Optimal Inc.
            shall sell, assign, transfer, convey, and deliver to NCR, and NCR
            shall purchase from Optimal Inc., all of Optimal Inc.'s right, title
            and interest in and to the Purchased Assets held Optimal Inc.; and
            (iii) Optimal Plc. shall sell, assign, transfer, convey, and deliver
            to NCR UK, and NCR UK shall purchase from Optimal Plc., all of
            Optimal Plc.'s right, title and interest in and to the Purchased
            Assets held by Optimal Plc.

      2.    Excluded Assets. Notwithstanding anything to the contrary contained
            in Section 1 or elsewhere in this Agreement, the following property,
            undertakings and assets of Seller (collectively, the "Excluded
            Assets") are not part of the sale and purchase contemplated
            hereunder, are excluded from the Purchased Assets and shall remain
            the property of Seller after the Closing Date:

            (A)   all assets of Seller and its Affiliates not needed to operate
                  the Business as currently operated;

            (B)   all rights of Seller under this Agreement;

            (C)   all real estate and real property leases other than the
                  Transferred Leases;

            (D)   all minute books, share transfer records and corporate seals;

            (E)   all insurance policies and rights thereunder;

            (F)   all Employee Benefit Plans and administration and services
                  contracts, or funding arrangements;

            (G)   all cash, marketable securities and other short-term
                  investments;

            (H)   head office furniture, equipment, etc. of non-Eligible
                  Employees;

            (I)   Excluded Intellectual Property;

            (J)   Tax refunds and Tax deductions;

            (K)   telephone numbers and fax numbers listed in Section 2(K) of
                  the Disclosure Schedule; and

            (L)   distributorship agreements, joint marketing agreements or
                  letters of intent regarding distributorship or joint marketing
                  arrangements.

      3.    Limited Assumption of Liabilities. Except as specifically set forth
            in this Section 3, Buyer is not assuming and will not be liable for
            any obligation to

                                      -4-
<PAGE>

            perform or pay for any of the debts, liabilities or obligations of
            Seller, whether known or unknown, now or hereafter existing, accrued
            or contingent, or arising out of or related to the Purchased Assets,
            the Business or the consummation of the transactions contemplated in
            this Agreement (the "Transaction"). As the sole exception to the
            foregoing, as of the Closing Date, Buyer agrees to assume and become
            responsible for, and pay and discharge as and when due, all of the
            following liabilities and obligations of Seller (collectively, the
            "Assumed Liabilities"):

                  (A)   Any debts, liabilites or obligations relating to the
                        Business or the Purchased Assets (including, without
                        limitation, the Contracts, the Permits and the Permitted
                        Encumbrances), of whatsoever nature or character,
                        whether absolute or contingent, liquidated or disputed,
                        relating to any matters arising after the Closing Date
                        and any other liabilities to be assumed by Buyer as
                        specifically provided in this Agreement; provided,
                        however, in no event shall Buyer assume any liabilities
                        or obligations to the extent such liabilities or
                        obligations are attributable to any breach or default by
                        Seller under such Purchased Assets occurring on or
                        before the Closing Date;

                  (B)   Current liabilities of the Business, consisting solely
                        of accounts payable (including interest, fees and
                        penalties accrued prior to the Closing Date), accrued
                        expenses, deferred revenues and other current
                        liabilities included in the Closing Balance Sheet and
                        included in the calculation of Net Asset Value pursuant
                        to Section 5(A);

                  (C)   Obligations with respect to Eligible Employees who
                        accept employment with Buyer, to the extent set forth in
                        Section 9(B);

                  (D)   Any claims made against Buyer that the Purchased Assets
                        infringe on any intellectual property rights or fail to
                        comply with any applicable Laws, but only to the extent
                        that such matters are listed in Section 3(D) of the
                        Disclosure Schedule; and

                  (E)   All other liabilities included in the Closing Balance
                        Sheet which are taken into account in calculating the
                        Net Asset Value pursuant to Section 5(A).

      4.    Purchase Price and Allocation.

                  (A)   The aggregate purchase price for the Purchased Assets
                        (the "Purchase Price") shall be, exclusive of applicable
                        sales and transfer taxes, U.S. Thirty Million Dollars
                        (US$30,000,000), subject to the adjustments set forth in
                        Section 5, plus the assumption of the Assumed
                        Liabilities.

                  (B)   Buyer shall satisfy the Purchase Price at Closing by the
                        assumption of the Assumed Liabilities pursuant to the
                        Assignment and Assumption Agreement and by payment to
                        Seller of U.S. Thirty

                                      -5-
<PAGE>

                        Million Dollars (US$30,000,000) by wire transfer in
                        immediately available funds to a bank account of Seller
                        as per written instructions of Seller given to Buyer at
                        least two (2) Business Days prior to the Closing.

                  (C)   The Purchase Price shall be allocated among (i) Optimal
                        Corp., Optimal Inc. and Optimal Plc., as Sellers, and
                        (ii) the Purchased Assets and Assumed Liabilities, in
                        each case, as set forth in Section 4(C) of the
                        Disclosure Schedule. Seller and Buyer shall be bound by
                        such allocation for all purposes, shall prepare and file
                        (or cause to be prepared and filed) all tax returns in a
                        manner consistent with such allocations, including
                        Internal Revenue's Form 8594, and shall not take any
                        position inconsistent with such allocation in any Tax
                        return, proceeding before any Governmental Authority or
                        otherwise

      5.    Purchase Price Adjustment.

                  (A)   In determining the Purchase Price, Buyer assumed that
                        the difference between the book value of the Purchased
                        Assets and the Assumed Liabilities ("Net Asset Value")
                        on the Closing Date, excluding product and service
                        replacement parts inventory, will be U.S. Fourteen
                        Million Five Hundred Thousand dollars (US$14,500,000)
                        (the "Assumed Net Asset Value"). Within sixty (60) days
                        following the Closing Date, Seller shall prepare an
                        unaudited balance sheet of the Business, as of the
                        Closing Date, which balance sheet (the "Closing Balance
                        Sheet") shall be prepared in accordance with Canadian
                        generally accepted accounting principles, applied on a
                        basis that is consistent with prior periods. The
                        Purchase Price shall be either increased by the amount
                        by which the Net Asset Value derived from the Closing
                        Balance Sheet exceeds the Assumed Net Asset Value or
                        decreased by the amount by which the Assumed Net Asset
                        Value exceeds the Net Asset Value derived from the
                        Closing Balance Sheet. In the event of an increase in
                        the Purchase Price, the amount of such increase shall be
                        immediately paid by Buyer to Seller in cash, by
                        certified check or bank wire transfer. In the event of a
                        decrease in the Purchase Price, the amount of such
                        decrease shall be immediately paid by Seller to Buyer in
                        cash, by certified check or bank wire transfer.

                  (B)   Prior to the Closing Date, Seller will inspect the
                        product and service replacement parts inventory to take
                        into account defective and obsolete inventory and
                        inventory in excess of Buyer's expected business
                        requirements, which will be written-off and excluded for
                        purposes of determining the value of the inventory
                        pursuant to this paragraph (B). At Closing, Seller shall
                        provide Buyer with a detailed list of all inventory
                        (including defective and obsolete inventory, and
                        inventory in excess of Buyer's expected business
                        requirements) included in the Purchased Assets. Within
                        sixty (60) days following

                                      -6-
<PAGE>

                        the Closing Date, Buyer will conduct a physical audit of
                        all such inventory (the "Inventory Audit"). In the event
                        the Inventory Audit reflects that the book value of the
                        listed inventory as reflected on the books and records
                        of Seller as of the Closing Date exceeds by more than
                        U.S. Two Hundred Thousand dollars (US$200,000), the book
                        value of the inventory found during the physical
                        inventory, the Purchase Price shall be reduced by the
                        amount of such amount in excess of U.S. Two Hundred
                        Thousand dollars (US$200,000). No adjustment shall be
                        made in the event the book value of the listed inventory
                        is less than the inventory found during the physical
                        inventory.

                  (C)   If Buyer disputes the Closing Balance Sheet or Seller
                        disputes the Inventory Audit, the parties shall work
                        together to resolve any such disagreements, including,
                        but not limited to, providing each other with such
                        information regarding the financial position of Seller
                        as of the Closing Date and the condition of product and
                        service replacement parts inventory, as each may
                        reasonably request. If the parties are unable to resolve
                        their disagreement regarding the Closing Balance Sheet
                        or the Inventory Audit within thirty (30) calendar days
                        of Buyer's receipt of the Closing Balance Sheet or
                        Seller's receipt of the results of the Inventory Audit,
                        as the case may be, then the parties shall submit the
                        matter to an independent accounting firm mutually
                        acceptable to Buyer and Seller (the "Neutral Accounting
                        Firm"). The Neutral Accounting Firm shall act as an
                        arbitrator to determine only those issues still in
                        dispute and the Neutral Accounting Firm shall either
                        adopt the position of Seller or Buyer or determine an
                        adjustment that is within the range of positions of
                        Seller and Buyer. If possible, the Neutral Accounting
                        Firm shall make its determination based solely on
                        presentations by Seller and Buyer; provided, however,
                        that if the Neutral Accounting Firm is unable to reach a
                        conclusion on this basis, the Neutral Accounting Firm
                        shall review such additional information and perform
                        such additional procedures as the Neutral Accounting
                        Firm deems reasonably necessary. The determination of
                        the Neutral Accounting Firm shall be made as promptly as
                        practicable, but in any event within thirty (30) days
                        following the date on which the dispute is submitted,
                        shall be set forth in a written statement delivered to
                        Seller and Buyer, and shall be final, binding and
                        conclusive on the parties. The fees and any expenses of
                        the Neutral Accounting Firm shall be paid by Buyer and
                        Seller within fifteen (15) calendar days of such
                        determination as follows: (a) if the Neutral Accounting
                        Firm adopts the position of Seller, then Buyer shall
                        bear such fees and expenses; (b) if the Neutral
                        Accounting Firm adopts the position of Buyer, then
                        Seller shall bear such fees and expenses; or (c) if the
                        Neutral Accounting Firm adopts a position within the
                        range of the positions of Buyer and Seller, each party
                        shall bear that percentage of such fees and expenses
                        deemed reasonable by the Neutral Accounting Firm in
                        light

                                      -7-
<PAGE>

                        of the final determination and the original positions of
                        Buyer and Seller. If a retainer is required by the
                        Neutral Accounting Firm, the retainer shall be split
                        equally between Buyer and Seller; provided, however,
                        that the retainer shall be considered part of the fees
                        and expenses of the Neutral Accounting Firm and if
                        either party has paid a portion of such retainer, that
                        party will be entitled to be reimbursed by the other
                        party to the extent required by this Section 5(C). In
                        the event a party does not comply with the procedure and
                        time requirements contained herein or such other
                        procedure or time requirements as the parties otherwise
                        elect in writing, the Neutral Accounting Firm shall
                        render a decision based solely on the evidence it has
                        which was timely filed by either of the parties.

      6.    Representations, Warranties and Covenants of Seller. Seller jointly
            and severally hereby represents and warrants to Buyer as follows:

                  (A)   Disclosure Schedule. The Seller's disclosure schedule
                        attached hereto (the "Disclosure Schedule") is divided
                        into sections that correspond to the sections of this
                        Agreement.

                  (B)   Organization. Each of Optimal Corp., Optimal Inc. and
                        Optimal plc is a corporation duly organized and validly
                        existing under the Laws of its jurisdiction of
                        incorporation, and each has the necessary corporate
                        power, capacity and authority to operate the Business as
                        currently operated by Seller and to enter into this
                        Agreement and the Ancillary Agreements to which it is a
                        party and to consummate the transactions contemplated
                        herein and therein. Seller is duly qualified to do
                        business in every jurisdiction in which it currently
                        operates the Business.

                  (C)   Authority. Seller now has, and at Closing will have,
                        full and complete authority to enter into and execute
                        this Agreement, any Ancillary Agreements to which it is
                        a party and any and all agreements, documents and
                        instruments required in connection with this Agreement
                        and to otherwise perform its obligations and consummate
                        the transactions contemplated under this Agreement and
                        the Ancillary Agreements to which it is a party. The
                        execution and the delivery of this Agreement, the
                        Ancillary Agreements to which Seller is a party and,
                        except for approval by the shareholders of Optimal
                        Corp., the performance of the transactions contemplated
                        herein and therein have been duly authorized by Seller
                        and all corporate actions by Seller for the
                        authorization and consummation of the transactions
                        contemplated by this Agreement and the Ancillary
                        Agreements to which Seller is a party have been taken.
                        This Agreement has been validly executed and delivered
                        by and constitutes a valid and binding obligation of
                        Seller, and each of the Ancillary Agreements to which
                        Selller is a party will be validly executed and
                        delivered by and will constitute valid and binding
                        obligations of Seller enforceable, in each case, in
                        accordance with

                                      -8-
<PAGE>

                        their respective terms, subject, however, to limitations
                        with respect to enforcement in connection with
                        bankruptcy and to the extent that equitable remedies
                        such as specific performance and injunctions are in the
                        discretion of a court of competent jurisdiction.

                  (D)   Financial Statements. Attached hereto as Exhibit 6(D) is
                        Seller's unaudited balance sheet of the Business as of
                        December 31, 2003 (the "Unaudited Financial
                        Statements"). The Unaudited Financial Statements: (i)
                        were prepared in accordance with Canadian generally
                        accepted accounting principles, consistently applied,
                        except for the absence of notes and year-end
                        adjustments; (ii) fairly represent in all material
                        respects the assets, liabilities, the results of
                        operations and cash flows of the Business. Seller is not
                        directly or indirectly liable upon or with respect to
                        (by discount, repurchase agreements or otherwise), or
                        obliged in any other way to provide funds in respect of,
                        or to guarantee or assume, any debt, obligation or
                        dividend of any Person in relation to the Business and
                        which is Material to the Business, except endorsements
                        in the ordinary course of business consistent with past
                        practice in connection with the deposit, in banks or
                        other financial institutions, of items for collection.
                        All of Seller's accounts payable have been generated in
                        the ordinary course of the operation of the Business.

                  (E)   No Conflict or Default. Except as set forth in Section
                        6(E) of the Disclosure Schedule, the execution and
                        performance of this Agreement and the Ancillary
                        Agreements to which Seller is a party, the compliance
                        with their provisions by Seller, and the transfer of the
                        Purchased Assets to Buyer on the Closing Date will not
                        conflict with or result in any breach of any of the
                        terms, conditions or provisions of any agreement,
                        indenture, mortgage, or other instrument to which Seller
                        is a party or by which it is bound, except such
                        conflicts or breaches which could not reasonably be
                        expected to have a Material Adverse Effect on Seller,
                        and in any event there are no breaches that would
                        prevent Seller from performing its obligations under
                        this Agreement or would give any third party any right
                        in the Purchased Assets. Further, assuming (i) all
                        required consents set forth in Section 6(E) of the
                        Disclosure Schedule have been obtained, (ii) Seller
                        Shareholders' approval, and (iii) all required
                        authorizations, approvals and consents of Governmental
                        Authorities are obtained, the execution and performance
                        of this Agreement and the Ancillary Agreements to which
                        Seller is a party, the compliance with their respective
                        provisions by Seller, and the transfer of the Purchased
                        Assets to Buyer on the Closing Date will Materially
                        comply with all applicable Laws, and will not conflict
                        with, or result in the breach of, any of the terms of
                        Seller's Articles of Continuance, or other governing
                        documents of Seller.

                  (F)   Title to Assets. Seller has good title to, or (in the
                        case of leases) a

                                      -9-
<PAGE>

                        valid lease (in the Province of Quebec) or leasehold
                        interest (in all other jurisdictions) in, or right to
                        use all of the Purchased Assets and, at the Closing,
                        Seller's title to the Purchased Assets will be free and
                        clear of all security interests, liabilities,
                        conditions, pledges, liens, mortgages, conditional sales
                        contracts, attachments, hypothecations, judgments,
                        easements, claims and encumbrances of every kind and
                        nature (collectively, "Encumbrances"), other than
                        Permitted Encumbrances. Seller has the full and
                        unrestricted right and authority to sell the Purchased
                        Assets, and at the Closing will sell, assign, transfer,
                        convey and deliver to Buyer good title to the Purchased
                        Assets, free and clear of all Encumbrances, other than
                        Permitted Encumbrances.

                  (G)   Contracts. All of the written Contracts are in full
                        force and are enforceable in accordance with their
                        terms, and there are no outstanding breaches or defaults
                        (or which with or without notice, lapse of time or both,
                        could reasonably be expected to, indirectly or in the
                        aggregate, result in a breach or default) under any of
                        the Contracts on the part of Seller or to the Knowledge
                        of Seller, on the part of the other party (or parties)
                        to such Contract which have had or could reasonably be
                        expected to have a Material Adverse Effect on the
                        Business. All duties and obligations required to be
                        performed by Seller under each of the Contracts prior to
                        Closing have been so performed in all Material respects,
                        except to the extent that the liabilities relating to
                        such non-performance are Assumed Liabilities. Except as
                        set forth in Section 6(G) of the Disclosure Schedule,
                        the Contracts are freely assignable to Buyer, or if the
                        consent of the contracting party to the assignment is
                        required, Seller has, in respect of all Customer
                        Contracts, Vendor Contracts and Transferred Leases that
                        are listed on Section 6(G) of the Disclosure Schedule,
                        obtained such consent prior to Closing, or if the giving
                        of notice of such assignment is required under such
                        Customer Contracts, Vendor Contracts and Transferred
                        Leases, the Seller has provided such notice prior to the
                        Closing. To the Knowledge of Seller, no other party to
                        any of the Contracts is threatened with insolvency.
                        Assuming all required consents are obtained, the
                        execution, delivery, consummation and performance of
                        this Agreement and the Ancillary Agreements to which
                        Seller is a party and the transactions contemplated
                        herein and therein will not cause Seller to be in
                        material breach of any of the Contracts. Sections 1(A),
                        1(B), 1(C), 1(E) and 1(F) of the Disclosure Schedule
                        contain accurate, correct and complete lists of the (i)
                        customer contracts, (ii) supplier, subcontractor and
                        vendor contracts, (iii) third party computer software
                        and related maintenance contracts, (iv) leases of real
                        property and (v) other contracts of Seller needed to
                        operate the Business as currently operated by Seller.

                  (H)   Permits. Section 1(G) of the Disclosure Schedule
                        contains an

                                      -10-
<PAGE>

                        accurate, correct and complete list of the Permits that
                        are Material to the operation of the Business as
                        currently operated by Seller. The Permits are valid and
                        in full force and effect and there are no pending or, to
                        the Knowledge of Seller, threatened proceedings which
                        could result in the termination, revocation, limitation
                        or impairment of any of the Permits, except for any
                        termination, revocation, limitation or impairment which
                        could not reasonably be expected to have a material
                        adverse effect on the Business.

                  (I)   Intellectual Property.

                        (i)   Section 6(I)(i) of the Disclosure Schedule sets
                              out Seller's and its Affiliates' issued patents,
                              patent applications, applications and
                              registrations for Trade-marks, applications and
                              registrations for Copyright, Domain Names, and the
                              computer software, in each case, that are Material
                              to the operation of the Business as currently
                              operated by Seller.

                        (ii)  Seller and its Affiliates have the right, title
                              and interest in and to the Intellectual Property
                              owned by Seller and the right to use the
                              Intellectual Property licensed by Seller from
                              third parties, in each case, that are needed to
                              operate the Business as currently operated by
                              Seller. To the Knowledge of Seller, the
                              Intellectual Property owned by Seller does not
                              interfere with, infringe upon, misappropriate or
                              violate any intellectual property rights of any
                              Person except as set forth in Section 6(I)(ii) of
                              the Disclosure Schedule. Except as set forth in
                              Section 6(I)(ii) of the Disclosure Schedule,
                              Seller has not received any written charge,
                              complaint, claim, demand, or notice alleging any
                              such interference, infringement, misappropriation,
                              or violation (including any claim that Seller must
                              license or refrain from using any intellectual
                              property rights of any Person relating to the
                              Intellectual Property). To the Knowledge of
                              Seller, no Person has interfered with, infringed
                              upon, misappropriated, or violated any
                              Intellectual Property owned by Seller. Seller will
                              make available to Buyer complete and correct
                              copies of all reasonably accessible user and
                              technical documentation related to the
                              Intellectual Property. Seller has generally taken
                              reasonably appropriate measures to protect the
                              confidential and proprietary nature of the
                              Intellectual Property, including the use of
                              confidentiality agreements generally with its
                              employees and contractors who have access to
                              proprietary information of Seller and who were
                              involved in the development of the "U-Scan
                              software", including, without limitation,
                              interfaces developed by Seller (the "U-Scan
                              Software"). Generally, all employees and
                              contractors of Seller who were involved in the
                              development of the U-Scan Software which is needed
                              to operate the Business have executed written
                              contracts with Seller that assigns to Seller all
                              rights to any inventions, improvements,

                                      -11-
<PAGE>

                              discoveries or information relating to the
                              Business, which are hereby assigned to Buyer. No
                              employees or former employees of Seller have
                              claimed any right in the U-Scan Software. The
                              U-Scan Software does not have embedded therein any
                              object or source code or portions of object or
                              source code that includes any "Free-ware," or
                              "open-source" software.

                        (iii) All of the issued patents, patent applications,
                              trade-mark registrations and applications,
                              copyright registrations and applications, domain
                              names, if any, owned by the Seller and listed in
                              Section 6(I)(i) of the Disclosure Schedule are
                              currently in compliance in all Material respects
                              with formal legal requirements (including payment
                              of filing, examination and maintenance fees and
                              proofs of working or use), and, to the Knowledge
                              of Seller are valid and enforceable, and are not
                              subject to any maintenance fees or actions falling
                              due after the Closing Date other than in the
                              ordinary course of business.

                        (iv)  To the Knowledge of Seller, all Domain Names
                              included in the Purchased Assets have been
                              registered in the name of Seller and are in
                              compliance in all Material respects with all
                              formal legal requirements.

                  (J)   Inventory. All items of Inventory, including those set
                        forth in Section 1(D) of the Disclosure Schedule, other
                        than product service replacement parts inventory,
                        consist of quality finished goods in the ordinary course
                        of the operations of the Business. Except as set forth
                        in Section 6(J) of the Disclosure Schedule, to the
                        Knowledge of Seller, Seller is not in possession of any
                        Inventory that is not owned by Seller, including goods
                        already sold.

                  (K)   Real Property Leased by Seller. All real property and
                        facilities used by Seller or its Affiliates in the
                        conduct of the Business are listed in Section 6(K) of
                        the Disclosure Schedule. None of the real property
                        listed in Section 6(K) of the Disclosure Schedule is
                        owned by Seller. In the case of such real property
                        located at 4700 de la Savane, Montreal, Quebec and
                        leased by Seller as lessee, Seller has a valid lease in
                        respect thereof, and Seller's right, title and interest
                        thereunder is free and clear of all liens, charges,
                        purchase rights, claims, pledges, mortgages, security
                        interests or encumbrances, other than Permitted
                        Encumbrances. In the case of such real property located
                        at 651 Route 3 and 661 Route 3, Unit D, Plattsburgh, New
                        York and leased by Seller as lessee, Seller has a valid
                        leasehold interest therein, free and clear of all liens,
                        charges, purchase rights, claims, pledges, mortgages,
                        security interests or encumbrances, other than Permitted
                        Encumbrances. Except as set forth in Section 6(K) of the
                        Disclosure Schedule, each of the Transferred Leases may
                        be freely assigned, assumed or sublet, is valid and in
                        full force and effect, and there is not pending or, to
                        the Knowledge of Seller,

                                      -12-
<PAGE>

                        threatened any proceedings which could reasonably be
                        expected to result in the termination, revocation,
                        limitation or impairment of any of the Transferred
                        Leases. Except as set forth in Section 6(K) of the
                        Disclosure Schedule, the real property set forth therein
                        (the "Real Property"), (A) is, to the Knowledge of
                        Seller, leased solely by Seller; (B) is, to the
                        Knowledge of Seller, in compliance in all Material
                        respects with all applicable Laws; and (C) there are no
                        pending or, to the Knowledge of Seller, threatened
                        condemnation proceedings, lawsuits, or administrative
                        actions relating to the Real Property which could
                        reasonably be expected to have a Material Adverse Effect
                        on the Business.

                  (L)   Litigation. Except as set forth in Section 6(L) of the
                        Disclosure Schedule, there is no litigation, proceeding,
                        or, to the Knowledge of Seller, governmental
                        investigation pending, or to the Knowledge of Seller,
                        threatened in front of any court, arbitration board,
                        administrative agency, or tribunal against or relating
                        to Seller which could affect the Purchased Assets, the
                        Business, or the consummation of this Agreement or the
                        sale, transfer or assignment of the Purchased Assets by
                        Seller.

                  (M)   Compliance with Law. Seller has conducted the Business
                        in compliance in all Material respects with all Laws.
                        Additionally, Seller has not received any written notice
                        of any violation or alleged violation of any Law, except
                        such non-compliance which could not reasonably be
                        expected to have a Material Adverse Effect on the
                        Business.

                  (N)   Brokers' Fees. Seller has no liability or obligation to
                        pay any fees or commissions to any broker, finder or
                        agent with respect to the transactions contemplated by
                        this Agreement.

                  (O)   No Material Adverse Change. Since December 31, 2003,
                        there have been no changes affecting the Business which
                        have had or could reasonably be expected to have a
                        Material Adverse Effect on the Business or the Purchased
                        Assets, and Seller has operated the Business only in the
                        ordinary course of business consistent with past
                        practices.

                  (P)   Accounts Receivable. All Accounts Receivable to be
                        transferred to Buyer under this Agreement arose from
                        valid transactions for goods sold or services rendered.
                        To Seller's Knowledge, there is no fact or circumstance
                        generally (other than general economic conditions and
                        the amount of time they have been outstanding) which
                        could result in any Material increase of
                        uncollectibility of such Accounts Receivables as a class
                        in excess of reserves, if any, set forth in the
                        Unaudited Financial Statements, nor is any Account
                        Receivable subject to any valid defense, counterclaim or
                        set-off. The list of Accounts Receivable listed in
                        Section 1(L) of the Disclosure

                                      -13-
<PAGE>

                        Schedule is a true, accurate and complete list of such
                        accounts generated in the operation of the Business and
                        existing as of the date hereof and, as updated as of the
                        Closing Date.

                  (Q)   Tax Matters.

                        (i)   No failure, in any material respect, of Seller to
                              duly and timely pay all Taxes, including all
                              installments on account of Taxes for the current
                              year, that are due and payable by it will result
                              in an Encumbrance on the Purchased Assets.

                        (ii)  To the Knowledge of Seller, there are no material
                              proceedings, investigations, audits or claims now
                              pending or threatened against Seller in respect of
                              any Taxes and there are no material matters under
                              discussion, audit or appeal with any Governmental
                              Authority relating to Taxes, which will result in
                              an Encumbrance on the Purchased Assets.

                        (iii) Seller, in all material respects, has duly and
                              timely withheld all Taxes and other amounts
                              required by Law to be withheld by it (including
                              Taxes and other amounts required to be withheld by
                              it in respect of any amount paid or credited or
                              deemed to be paid or deemed to be credited by it
                              or for the account or benefit of any Person,
                              including any Employees, officers or directors and
                              any non-resident Person), and has duly and timely
                              remitted to the appropriate Governmental Authority
                              such Taxes and other amounts required by Law to be
                              remitted by it.

                        (iv)  Seller, in all material respects, has duly and
                              timely collected all amounts on accounts of any
                              sales or transfer taxes, including goods and
                              services, harmonized sales and provincial or
                              territorial sales taxes, required by Law to be
                              collected by it and has duly and timely remitted
                              to the appropriate Governmental Authority any such
                              amounts required by Law to be remitted by it.

                        (v)   Optimal Corp. is not a non-resident of Canada
                              within the meaning of the Income Tax Act (Canada).

                        (vi)  All Purchased Assets which are taxable Canadian
                              property within the meaning of the Income Tax Act
                              (Canada) will be sold by Optimal Corp.

                        (vii) No Purchased Assets sold by Optimal Corp.are real
                              estate interests located in the U.S.

                  (R)   No Undisclosed Liabilities. Except as set forth in
                        Section 6(R) of the Disclosure Schedule, Seller has no
                        Material liabilities related to the operation of the
                        Business, except for liabilities reflected or reserved
                        against in the Unaudited Financial Statements and
                        current liabilities

                                      -14-
<PAGE>

                        incurred in the ordinary course of the operation of the
                        Business since the Unaudited Financial Statements.
                        Except as set forth in Section 6(R) of the Disclosure
                        Schedule, Seller has no liability or obligation to
                        refund any economic development incentives received from
                        any governmental entity.

                  (S)   Environmental, Health & Safety Compliance. Neither the
                        conduct nor operation of the Business, nor, to the
                        Knowledge of Seller, any condition of the Transferred
                        Leases violates any Law concerning public health and
                        safety, worker health and safety, and pollution or
                        protection of the environment ("Environmental, Health
                        and Safety Requirements"), except for any violation
                        which could not reasonably be expected to have a
                        Material Adverse Effect on the Business, and Seller has
                        not received any written notice stating that the
                        operation or condition of any of the property underlying
                        the Transferred Leases is in violation of any
                        Environmental, Health, and Safety Requirements.

                  (T)   Relationships with Affiliates. Except as disclosed in
                        Section 6(T) of the Disclosure Schedule, following the
                        Closing neither Seller nor any of its Affiliates will
                        have any interest in any of the Purchased Assets.
                        Neither Seller nor any of its Affiliates owns, of record
                        or as a beneficial owner, an equity interest or any
                        other financial or profit interest in any Person that
                        has (a) business dealings or a material financial
                        interest in any transaction with Seller other than
                        business dealings or transactions disclosed in Section
                        6(T) of the Disclosure Schedule, or (b) engaged in
                        competition with Seller with respect to the Business in
                        any market presently served by Seller.

                  (U)   Employees.

                        (i)   Each plan, program, compensation plan, or employee
                              benefit arrangement, whether written or oral, for
                              the benefit of employees and maintained by Seller
                              is listed in Section 6(U)(i) of the Disclosure
                              Schedule (the "Employee Benefit Plans") and copies
                              or descriptions of each such Employee Benefit Plan
                              have been delivered or made available to Buyer.
                              Buyer shall be responsible only for the severance
                              obligations with respect to those Eligible
                              Employees who accept employment with Buyer in
                              accordance with Section 9, recognizing the years
                              of service of such Eligible Employee(s) with
                              Seller, but otherwise determined in accordance
                              with severance obligations under Buyer's benefit
                              plans or employment agreements which Buyer enters
                              into with such Eligible Employees; provided,
                              however, that Buyer's responsibility shall in no
                              event be for less than the amount that any such
                              Eligible Employee shall be entitled to under
                              applicable Law, Seller hereby representing that it
                              has not agreed to any severance arrangements with
                              any Eligible Employees, except for those Eligible
                              Employees listed in Section 6(U)(i)(a) of the
                              Disclosure Schedule. Seller will

                                      -15-
<PAGE>

                              comply with the health care continuation
                              requirements of Section 601 et seq. of ERISA
                              ("COBRA") with respect to Eligible Employees and
                              their eligible covered dependents.

                        (ii)  Section 6(U)(ii) of the Disclosure Schedule
                              contains: (i) a list of the Eligible Employees;
                              (ii) the current annual total compensation
                              provided by Seller to each such Eligible Employee;
                              (iii) a list of any increase presently scheduled
                              (including the effective date thereof) in the rate
                              of base compensation of any the Eligible
                              Employees; and (iv) the title and location of each
                              such Eligible Employee.

                        (iii) Seller is not a party to or bound by any union
                              contract or collective bargaining agreement with
                              respect to the operation of the Business and has
                              not experienced with respect to the operation of
                              the Business any strike, grievance or any
                              arbitration proceeding, Material claim of unfair
                              labour or compensation practices filed or
                              threatened to be filed or any other Material
                              labour difficulty.

                        (iv)  All of the Eligible Employees are United States or
                              Canadian citizens, or lawful permanent residents
                              of the United States or Canada.

                        (v)   All payroll records provided by Seller to Buyer
                              for Eligible Employees for the period from January
                              1, 2004 to the Closing Date, are accurate.

                  (V)   Adverse Trends. To the Knowledge of Seller: (1) there
                        are no Material conflicts or problems with any Eligible
                        Employee that would likely result in the termination or
                        resignation of employment of any such employee; (2)
                        there are no Material problems or disputes with
                        customers or vendors that would likely result in the
                        termination of the contracts or terminate a source of
                        supply of a Material product and there are no long-term
                        commitments with suppliers not set forth in Section 6(V)
                        of the Disclosure Schedule.

                  (W)   Insurance Coverage. Seller maintains policies of fire,
                        liability and other forms of insurance covering the
                        Business and the Purchased Assets, in amounts and
                        against such losses and risks as are generally
                        maintained for comparable businesses and properties and
                        such insurance or its substantial equivalent will be
                        maintained through Closing.

                  (X)   No Other Assets Needed. There are no other assets
                        (intangible, tangible or otherwise), other than the
                        Purchased Assets that are needed to operate the Business
                        as currently operated by Seller.

                  (Y)   Equipment. Each item of property, plant, equipment and
                        other tangible personal property included in the
                        Purchased Assets is in

                                      -16-
<PAGE>

                        good working order and repair (normal wear and tear
                        excepted, and having regard to their use and age).

                  (Z)   Canadian Assets and Revenues. Neither the aggregate
                        value of the Purchased Assets in Canada nor the gross
                        revenues from sales in or from Canada generated by the
                        Purchased Assets in Canada, determined in each case in
                        accordance with the Notifiable Transactions Regulations
                        pursuant to the Competition Act (Canada), exceed Fifty
                        Million Canadian dollars (Cdn$50,000,000);

      7.    Buyer's Representations and Warranties. Buyer jointly and severally
            represents and warrants to Seller as follows:

                  (A)   Buyer's Disclosure Schedule. The Buyer's disclosure
                        schedule attached hereto (the "Buyer's Disclosure
                        Schedule") is divided into sections that correspond to
                        the sections of this Agreement.

                  (B)   Organization. Each of NCR, NCR Canada and NCR UK is a
                        corporation validly existing, and in good standing under
                        the Laws of its jurisdiction of incorporation, and has
                        the necessary corporate power and authority to enter
                        into this Agreement and the Ancillary Agreements and to
                        consummate the transactions contemplated herein and
                        therein.

                  (C)   Authority. Buyer now has, and at Closing will have, full
                        and complete authority to enter into and execute this
                        Agreement, the Ancillary Agreements and all agreements
                        and instruments required in connection with this
                        Agreement and to otherwise perform its obligations
                        hereunder and thereunder. The execution and the delivery
                        of this Agreement, the Ancillary Agreements and the
                        performance of the transactions contemplated herein and
                        therein have been duly authorized by Buyer, and all
                        corporate actions by Buyer for the authorization and
                        consummation of the transactions contemplated by this
                        Agreement and the Ancillary Agreements have been taken.
                        This Agreement has been validly executed and delivered
                        by and constitutes a valid and binding obligation of
                        Buyer, and each of the Ancillary Agreements will be
                        validly executed and delivered and will constitute valid
                        and binding obligations of Buyer enforceable, in each
                        case, in accordance with their respective terms,
                        subject, however, to limitations with respect to
                        enforcement in connection with bankruptcy and to the
                        extent that equitable remedies such as specific
                        performance and injunctions are in the discretion of a
                        court of competent jurisdiction.

                  (D)   Approvals. No consent or approval of any Person or
                        Governmental Authority is required for the execution,
                        delivery and performance of this Agreement and the
                        Ancillary Agreements and the documents to be delivered
                        at the Closing by Buyer, and neither the execution,
                        delivery or performance, nor the consummation of the
                        transactions

                                      -17-
<PAGE>

                        contemplated herein or therein, will result in a breach
                        of any provision of Buyer's organizational documents or
                        any Law that would have a Material Adverse Effect on
                        Buyer's ability to perform its obligations hereunder or
                        thereunder.

                  (E)   Broker or Finder's Fee. Buyer has no liability or
                        obligation to pay any fees or commissions to any broker,
                        finder or agent with respect to the transactions
                        contemplated by this Agreement.

                  (F)   No Conflict or Default. Except as set forth in Section
                        7(F) of Buyer's Disclosure Schedule, the execution and
                        performance of this Agreement, the compliance with its
                        provisions by Buyer, the purchase of the Purchased
                        Assets, the assumption of the Assumed Liabilities and
                        the payment of the Purchase Price to Seller on the
                        Closing Date will not conflict with or result in any
                        breach of any of the terms, conditions, or provisions of
                        any agreement, indenture, mortgage, or other instrument
                        to which Buyer is a party or by which it is bound,
                        except such breaches which could not reasonably be
                        expected to have a Material Adverse Effect on Buyer, and
                        in any event there are no breaches that would prevent
                        Buyer from performing under this Agreement. Further,
                        except as set forth in Section 7(F) of Buyer's
                        Disclosure Schedule, the execution and performance of
                        this Agreement and the Ancillary Agreements, the
                        compliance with their respective provisions by Buyer,
                        and the purchase of the Purchased Assets by Buyer on the
                        Closing Date will Materially comply with all applicable
                        Laws and will not conflict with, or result in the breach
                        of, any of the terms of Buyer's Articles of
                        Incorporation, or other governing documents of Buyer.
                        The consummation of the transactions comtemplated in
                        this Agreement will not require the consent of any
                        Person with respect to any Material rights, licenses,
                        leases, contracts or agreements of Buyer and will not
                        result in any breach of or default under any such
                        rights, licenses, leases, contracts or agreements.

                  (G)   Tax Registration. NCR Canada is duly registered under
                        Subdivision (d) of Division V of Part IX of the Excise
                        Tax Act (Canada) with respect to the goods and services
                        tax and harmonized sales tax (registration number is
                        89998 8430 RT0001) and under Division I of Chapter VIII
                        of Title I of the Quebec Sales Tax Act with respect to
                        the Quebec sales tax number is: 1013789343 TQ0001.

                  (H)   Knowledge. Buyer has no Knowledge of any fact or
                        circumstance which would constitute a breach by Seller
                        of Seller's representations and warranties in this
                        Agreement and, except as disclosed prior to Closing, as
                        of the Closing Date Buyer will have no Knowledge of any
                        fact or circumstance which would constitute a breach by
                        Seller of Seller's representations and warranties in
                        this Agreement or in any Ancillary Agreement or Closing
                        documents delivered to Buyer pursuant to this Agreement.

                                      -18-
<PAGE>

      8.    Pre-Closing Covenants of Seller. Seller hereby jointly and severally
            covenants and agrees as follows:

                  (A)   Maintenance of the Purchased Assets. Until the earlier
                        of Closing and termination of this Agreement, Seller
                        shall not lease, sell or dispose of any of the Purchased
                        Assets other than in the ordinary course of business
                        consistent with past practice or otherwise except with
                        the prior written consent of Buyer, which consent shall
                        not be unreasonably withheld, conditioned or delayed.

                  (B)   Continuity. Until the earlier of Closing and termination
                        of this Agreement, Seller shall take or refrain from
                        taking the following actions:

                        (i)   Seller will carry on the operation and maintenance
                              of the Business only in the ordinary course of
                              business consistent with past practices;

                        (ii)  Seller will use all commercially reasonable
                              efforts to maintain and preserve relationships
                              with the present customers and vendors of the
                              Business and the Eligible Employees;

                        (iii) Seller will maintain its books, accounts and
                              records relating to the Business on a basis
                              consistent with that of prior periods;

                        (iv)  Seller will not do any act or omit to do any act
                              or permit any act or omission to act that will
                              cause a breach of any Customer Contract or
                              Material Vendor Contract, nor will Seller
                              terminate, accelerate, cancel or modify any such
                              contract, without Buyer's consent, not to be
                              unreasonably withheld;

                        (v)   Seller will maintain in full force and effect the
                              insurance covering the Purchased Assets under the
                              policies set forth in Section 6(W) of the
                              Disclosure Schedule or their substantial
                              equivalent;

                        (vi)  Seller will use all commercially reasonable
                              efforts to cooperate with Buyer and provide
                              reasonable access to Buyer to the Business and
                              operations of Seller in relation to the Business
                              during ordinary business hours and upon reasonable
                              advance notice to Leon Garfinkle from the
                              Effective Date to the earlier of the Closing Date
                              and the date of termination of this Agreement;

                        (vii) Seller shall not enter into any Material
                              settlement of any litigation or proceeding
                              relating to the Purchased Assets, the Business or
                              the Assumed Liabilities;

                       (viii) Seller will not incur any Material obligation or
                              liability in relation to the Business or enter
                              into any transaction Material to the Business,
                              other than in the ordinary course of business and

                                      -19-
<PAGE>

                              consistent with past practices;

                        (ix)  Seller will not mortgage, pledge or subject to any
                              Encumbrance any of the Purchased Assets, other
                              than Permitted Encumbrances;

                        (x)   Seller will not enter into any Material contracts
                              in relation to the Business, except in the
                              ordinary course of the operation of the Business
                              consistent with past practices, without the prior
                              written consent of Buyer, not to be unreasonably
                              withheld;

                        (xi)  Seller will not discontinue the sales of any
                              services of the Business;

                        (xii) Seller will not increase any salary or wage or
                              declare or pay any bonus, or enter into any new
                              employment agreement with any Eligible Employee or
                              make new commitments or promises to any Eligible
                              Employee;

                       (xiii) Seller will not enter into any agreement or make
                              any commitment to do any of the foregoing;

                        (xiv) Seller will maintain the existing firewalls and
                              other protective mechanisms for any Equipment; or

                        (xv)  Seller shall deliver to Buyer within ten (10)
                              Business Days after the end of each month a copy
                              of the unaudited financial statements for such
                              month prepared in a manner and containing
                              information consistent with Seller's current
                              practices.

                  (C)   Accounts Receivable. Seller will not intentionally
                        alter, modify or accelerate its existing collection
                        level of Accounts Receivable.

                  (D)   Notification. Until the earlier of Closing and
                        termination of this Agreement, Seller shall promptly
                        notify Buyer in writing if it becomes aware of (a) any
                        fact or condition that, in Seller's reasonable
                        determination, causes or constitutes a breach of any of
                        Seller's representations and warranties made as of the
                        Effective Date or (b) the occurrence after the Effective
                        Date of any fact or condition, other than in the
                        ordinary course of the operation of the Business, that,
                        in Seller's reasonable determination, would or would
                        reasonably be expected to (except as expressly
                        contemplated by this Agreement) cause or constitute a
                        Material breach of any such representation or warranty
                        had that representation or warranty been made as of the
                        time of the occurrence of, or Seller's discovery of,
                        such fact or condition.

                  (E)   Exclusivity. Until the earlier of Closing and
                        termination of this Agreement, Seller will not, and will
                        not permit any of its officers, directors, employees or
                        agents ("Seller Representatives") to solicit,

                                      -20-
<PAGE>

                        initiate or encourage inquiries or proposals, or provide
                        any information or participate in any negotiations or
                        discussions leading to any proposal, concerning any
                        acquisition or purchase of all or any substantial
                        portion of the assets or stock of Seller, any merger or
                        consolidation of Seller or any of its subsidiaries with
                        any third party, which might reasonably be expected to
                        interfere with the completion of the Transaction;
                        provided, however, that nothing contained in this
                        Section 8(E) or any other provision of this Agreement
                        shall prevent the board of directors of Optimal Corp.
                        (the "Optimal Board") from taking action, including
                        accepting an offer, in response to an unsolicited
                        proposal or offer from any other Person, but only to the
                        extent the Optimal Board is advised in writing by
                        external legal counsel that such action is necessary in
                        order to properly discharge its fiduciary duties (a
                        "Fiduciary Transaction"). Seller agrees that it will
                        immediately notify NCR regarding any contact between
                        Seller, its subsidiaries, or their respective
                        Representatives and any other person or entity regarding
                        any such offer or proposal or any related inquiry.

                  (F)   Meeting of Seller Shareholders.

                        (i)   Seller will take all action necessary in
                              accordance with applicable Law, its Certificate of
                              Continuance and By-laws, and the rules of the
                              Nasdaq Stock Market to duly call, give notice of,
                              convene and hold, as promptly as reasonably
                              practicable after the date hereof, a meeting (the
                              "Shareholders' Meeting") of the holders of Seller
                              shares (the "Seller Shareholders") for the purpose
                              of seeking approval of this Agreement and the
                              Transaction and shall submit this Agreement and
                              the Transaction for approval by Seller
                              Shareholders at such meeting or any adjournment
                              thereof.

                        (ii)  The board of directors of Optimal Corp. shall
                              recommend approval of the Transaction by the
                              Seller Shareholders at the Shareholders' Meeting
                              or any adjournment thereof and shall include such
                              recommendation in the Proxy Statement, subject
                              only to the right of the board of directors of
                              Optimal Corp. to withdraw its recommendation if it
                              accepts an offer from any other Person and
                              otherwise complies with its obligations under the
                              Exclusivity Agreement.

                        (iii) As promptly as practicable after the execution of
                              this Agreement, Seller shall prepare proxy
                              materials or such other documentation as is
                              required by applicable Laws to solicit from the
                              Seller Shareholders proxies in favor of the
                              approval of this Agreement and the Transaction
                              (together with any amendment or supplement
                              thereto, the "Proxy Materials"), which Proxy
                              Materials shall be in compliance with applicable
                              Laws. Prior to distributing the Proxy Materials,
                              Buyer shall be given the opportunity to review and
                              comment on the accuracy of the disclosure
                              contained in the

                                      -21-
<PAGE>

                              sections of the Proxy Material relating
                              exclusively to the background to the Transaction
                              and the description of this Agreement and any
                              Ancillary Agreements.

      9.    Additional Covenants. Each of the parties hereto, as the case maybe,
            hereby covenant and agree as follows:

                  (A)   Taxes. Notwithstanding anything herein to the contrary:

                        (i)   Sales and Transfer Taxes. Buyer shall be liable
                              for, and shall indemnify and save Seller and its
                              directors, officers, employees, agents and
                              managers harmless from, any and all sales and
                              transfer Taxes, registration charges and transfer
                              fees payable in respect of the purchase and sale
                              of the Purchased Assets. To the exent required by
                              applicable Law, Seller shall collect from Buyer
                              and Seller shall pay directly to the appropriate
                              Governmental Authority, all such Taxes.

                        (ii)  Goods and Services Tax and Quebec Sales Tax
                              Election. Seller and Buyer shall jointly elect,
                              under subSection 167(1) of Part IX of the Excise
                              Tax Act (Canada), Section 75 of the Quebec Sales
                              Tax Act, and any equivalent or corresponding
                              provision under any applicable provincial or
                              territorial legislation imposing a similar value
                              added or multi-staged Tax, that no Tax be payable
                              with respect to the purchase and sale of the
                              Purchased Assets under this Agreement. Seller and
                              Buyer shall make such election(s) in prescribed
                              form containing prescribed information and Buyer
                              shall, on a timely basis, file such election(s) in
                              compliance with the requirements of the applicable
                              Laws. Buyer shall indemnify and save harmless
                              Seller from and against any such Tax imposed on
                              Seller as a result of any failure or refusal by
                              any Governmental Authority to accept any such
                              election.

                        (iii) Accounts Receivable Election. In accordance with
                              the requirements of the Income Tax Act (Canada),
                              the regulations thereunder, the administrative
                              practice and policy of the Canada Revenue Agency
                              and any applicable equivalent or corresponding
                              provincial or territorial legislative, regulatory
                              and administrative requirements, Seller and Buyer
                              shall make and file, in prescribed form and in a
                              timely manner, a joint election to have the rules
                              in Section 22 of the Income Tax Act (Canada), and
                              any equivalent or corresponding provision under
                              applicable provincial or territorial Tax
                              legislation, apply in respect of the Accounts
                              Receivable, and shall designate therein that
                              portion of the Purchase Price allocated to the
                              Accounts Receivable.

                        (iv)  Filing of Tax Returns. Buyer and Seller shall
                              prepare and file their respective Tax Returns in a
                              manner consistent with the elections referred to
                              in this Section 9(A). If a party fails to file its
                              Tax

                                      -22-
<PAGE>

                              Returns in such manner, it shall indemnify and
                              save harmless the other party in respect of any
                              resulting Taxes and legal and accounting expenses
                              paid or incurred by the other party.

                        (v)   Certain U.S. Sales and Use Taxes. Seller may
                              invoice Buyer the amount of any U.S. state or
                              local sales or use taxes imposed on Seller under
                              applicable law in connection with the sale of
                              equipment and inventory under this Agreement, and
                              if applicable, will list the taxing jurisdiction
                              imposing the Tax on such invoice. Buyer agrees to
                              pay all such U.S. state or local sales or use
                              Taxes to Seller which are stated on an invoice
                              submitted by Seller promptly upon receipt of such
                              invoice. Seller agrees to timely remit such Taxes
                              to the appropriate taxing authorities.

                        (vi)  U.S. Sales Tax Exemptions. If the applicable Law
                              permits, Buyer shall provide Seller with a
                              certificate or other mandated document evidencing
                              Buyer's exemption from payment of, or liability
                              for sales and use as authorized or required by
                              statute, regulation, administrative pronouncement,
                              or other Law of the jurisdiction providing said
                              exemption. If the applicable Law permits the
                              exemption but does not also provide an exemption
                              procedure, then Seller will not collect such Taxes
                              if Buyer furnishes Seller a letter from a Director
                              or higher level executive that describes the
                              exemption, identifies the applicable statute,
                              regulation, administrative pronouncement, or other
                              Law of the jurisdiction that both allows such
                              exemption and does not require an exemption
                              certificate; provided, however, that Buyer shall
                              indemnify Seller for any such Taxes subsequently
                              determined to be due and payable.

                        (vii) Personal Property Taxes. Buyer and Seller agree
                              that personal property Taxes and assessments
                              levied or assessed upon the Purchased Assets
                              (excluding any sales, use, transfer or similar
                              Taxes covered by Sections 9(A)(i) through
                              9(A)(vii), the apportionment and payment of which
                              shall be governed by those sections) shall be
                              prorated between the Buyer and Seller in direct
                              proportion to the number of days each party has
                              ownership of the subject property during the
                              current Tax year. The total amount to be prorated
                              shall represent one full years Taxes and
                              assessments resulting from the assessment date or
                              Tax lien date occurring during the current Tax
                              year, including all Taxes and special assessments
                              assessed upon the subject property and included on
                              the property Tax bills that are payable to the
                              appropriate state and local agencies during the
                              current or future Tax years. This proration shall
                              be based upon the current tax year's actual Taxes
                              and assessments, if known, or upon a reasonable
                              estimate of the current Tax year's taxes and
                              assessments if the current Tax year's Taxes and
                              assessments are not known at the time of closing.

                                      -23-
<PAGE>

                              Buyer shall pay to Seller at Closing its pro rata
                              share of personal property Taxes as determined
                              under the terms of this paragraph. Seller shall
                              remain responsible for filing all property Tax
                              returns, paying all Tax bills and assessments, and
                              addressing all audits pertaining to property Taxes
                              assessed upon the assets subject to this agreement
                              for Tax years with an assessment date or Tax lien
                              date occurring before the Closing Date of the
                              transaction proposed within this agreement. The
                              Seller shall also reimburse the Buyer for all
                              Taxes and other expenses which are the
                              responsibility of the Seller pursuant to this
                              paragraph 9(A)(vii) and which are paid by Buyer to
                              remedy any unpaid property Taxes assessed upon the
                              subject assets for the current tax year, should
                              the Buyer find it necessary to make such
                              payment(s) on behalf of the Seller to protect
                              clear title of the subject assets and avoid any
                              liens or encumbrances resulting from such unpaid
                              Taxes.

                  (B)   Employee Matters.

                        (i)   At Closing, Buyer shall have extend offers of
                              employment to those employees of the Seller
                              identified on Section 6(U)(ii) of the Disclosure
                              Schedule (the "Eligible Employees"), on comparable
                              but not less favorable terms and conditions of
                              employment in the aggregate as Seller employed
                              such individuals on the Closing Date. Buyer shall
                              not, however, in any event have any responsibility
                              for any employee litigation or potential
                              litigation matters listed in Section 9(B)(i) of
                              the Disclosure Schedule, nor for any other
                              employment-related claims, including but not
                              limited to claims for severance, asserted by any
                              employee of Seller (except for claims brought by
                              Eligible Employees who accept Buyer's offer of
                              employment and related to Buyer's actions
                              occurring after such acceptance). The parties
                              hereto agree to coordinate their efforts in order
                              to effect a smooth transition of the payroll for
                              the Eligible Employees from Seller to Buyer.

                        (ii)  Accordingly, pursuant to Rev. Proc. 96-60, 1996-2
                              C.B. 399, provided that Seller provides Buyer with
                              all necessary payroll records for the calendar
                              year which includes the Closing Date, Buyer shall
                              furnish a Form W-2 or similar form, as applicable
                              in the given country, to each Eligible Employee
                              employed by Buyer who had been employed by Seller
                              disclosing all wages and other compensation paid
                              for such calendar year.

                        (iii) Each of the Eligible Employees who accepts
                              employment with Buyer shall be eligible to
                              participate in all health, defined and welfare
                              benefits and retirement plans currently offered by
                              Buyer to its employees, including, but not limited
                              to, medical, dental, life, disability, vacation
                              and retirement plans (subject to complying with
                              eligibility requirements). For purposes of
                              administering such plans or programs, past service
                              with Seller shall be deemed to be

                                      -24-
<PAGE>

                              service with Buyer for purposes of determining
                              eligibility to participate in such health and
                              welfare plans and programs, but shall not count
                              for vesting in retirement plans.

                        (iv)  Seller shall terminate its employment of all of
                              the Eligible Employees who accept employment with
                              Buyer as of Closing. In connection therewith, at
                              Closing, Seller shall release each of the Eligible
                              Employees who becomes employed by Buyer at Closing
                              from any confidentiality, non-competition,
                              non-solicitation or other restrictive covenants in
                              favor of Seller. Buyer and Seller agree to
                              cooperate in jointly notifying the Eligible
                              Employees of the termination of their employment
                              by Seller and the offer of employment by Buyer.
                              Eligible Employees who accept employment with
                              Buyer shall become employed by Buyer on the
                              Closing Date. Buyer shall be responsible only for
                              the severance obligations with respect to those
                              Eligible Employees who accept employment with
                              Buyer from and after Closing, and who are
                              subsequently terminated by Buyer, recognizing the
                              years of service of such employees with Seller,
                              but otherwise determined in accordance with
                              severance obligations under Buyer benefit plans or
                              employment agreements which Buyer enters into with
                              such Eligible Employees; provided, however, that
                              Buyer's responsibility shall in no event be for
                              less than the amount that any such employee shall
                              be entitled to under applicable Law.

                        (v)   For each Eligible Employee who accepts employment
                              with Buyer, Seller shall provide Buyer with the
                              number of vacation days accrued but not used as of
                              the Closing Date. Buyer agrees that Eligible
                              Employees who accept employment with Buyer will be
                              permitted to take such accrued but unused vacation
                              during 2004 in accordance with Buyer's vacation
                              policy, and will provide such Eligible Employees
                              with a pro-rated number of additional vacation
                              days in 2004 that shall accrue after the Closing
                              Date (or the first day of employment with Buyer,
                              if later), pursuant to Buyer's vacation policy.

                        (vi)  Seller shall remain solely liable or responsible
                              for all COBRA obligations of Seller arising from
                              any qualifying event as defined under Section
                              4980B(f)(3) of the Code and ERISA Section 603
                              occurring on or before the Closing Date.

                        (vii) The parties acknowledge that Buyer does not hereby
                              assume and shall not have any liability related in
                              any way to Eligible Employee with respect to any
                              such Eligible Employees' outstanding options to
                              purchase shares of Seller or the administration of
                              any of such options.

                  (C)   Payment of Liabilities. Seller shall pay or otherwise
                        satisfy in the ordinary course of business all Excluded
                        Liabilities and Buyer shall

                                      -25-
<PAGE>

                        pay or otherwise satisfy in the ordinary course of
                        business all Assumed Liabilities. The parties hereby
                        waive compliance with any applicable bulk sales
                        legislation.

                  (D)   Removing Excluded Assets. Within thirty (30) days after
                        the Closing Date, Seller shall remove all Excluded
                        Assets from all facilities and other real property to be
                        occupied by Buyer. Such removal shall be done in such
                        manner as to avoid any Material damage to the facilities
                        and other properties to be occupied by Buyer and any
                        Material disruption of the business operations to be
                        conducted by Buyer after the Closing. Any Material
                        damage to the Purchased Assets or to the facilities
                        resulting from such removal shall be paid promptly by
                        Seller to Buyer. Should Seller fail to remove the
                        Excluded Assets as required by this Section, Buyer shall
                        have the right, but not the obligation, to remove the
                        Excluded Assets at Seller's sole reasonable cost and
                        expense to store the Excluded Assets and to charge
                        Seller all reasonable storage costs associated
                        therewith. Seller shall promptly reimburse Buyer for all
                        reasonable costs and expenses incurred by Buyer in
                        connection with any Excluded Assets not removed by
                        Seller on or before the 30th day following the Closing
                        Date upon presentation of reasonable evidence of same.

                  (E)   Non-competition and Non-solicitation.

                        (i)   Non-competition. In order to induce Buyer to enter
                              into this Agreement, and for other good and
                              valuable consideration, the sufficiency of which
                              is hereby acknowledged, Seller agrees that for a
                              period of five (5) years following the Closing
                              Date, neither Seller nor its Affiliates shall,
                              anywhere in the world (the "Restricted Area"),
                              directly or indirectly, invest in, own, manage,
                              operate, finance, control, advise, aid or assist,
                              act as a broker for, render services to, be
                              employed by or guarantee the obligations of any
                              Person engaged in or planning to become engaged in
                              the Business; provided, however, that nothing in
                              this Agreement shall restrict Seller's right to,
                              directly or indirectly own an equity interest in
                              any Person engaged in the Business whose
                              securities are listed on a recognized stock
                              exchange, so long as the interest of Seller in
                              such Person does not exceed ten percent (10%) of
                              the outstanding securities of any class of such
                              Person. With respect to the covenants and
                              agreements set forth in this Section 9(E), Seller
                              agrees that it may be impossible to measure in
                              monetary terms the damages which will accrue to
                              Buyer by reason of an actual breach by it of such
                              covenants and agreements, that a violation of such
                              covenants and agreements will cause irreparable
                              injury to Buyer, and that Buyer shall be entitled,
                              in addition to any other rights and remedies it
                              may have, at Law or in equity, to apply to a court
                              of competent jurisdiction for an injunction to
                              restrain Seller from violating, or continuing to
                              violate, such covenants and agreements.

                                      -26-
<PAGE>

                              Nothing in this Section 9(E) shall be deemed to
                              limit Buyer's right to recover damages caused by
                              any actual breach by Seller. Seller acknowledges
                              and agrees that the current market for the
                              Business extends throughout the entire world, and
                              it is therefore reasonable to prohibit Seller from
                              competing with Buyer anywhere in the world
                              directly or indirectly, or invest in, engage
                              (either directly or indirectly, on its own behalf
                              or as a partner, member, owner, director, officer,
                              employee, agent, contractor, shareholder or
                              otherwise), in any enterprise competing directly
                              or indirectly with the Business.

                        (ii)  Non-solicitation. For a period of three (3) years
                              following the Closing Date, Seller and its
                              Affiliates shall not, directly or indirectly, on
                              its own behalf or that of another Person: hire,
                              retain or attempt to hire or retain any of the
                              Eligible Employees who become employees of Buyer,
                              provided, however, that the foregoing provision
                              will not prevent Seller from: (i) placing a bona
                              fide advertisement for employment not specifically
                              targeted at the Eligible Employees who become
                              employees of Buyer; or (ii) hiring any Eligible
                              Employee who becomes an employee of Buyer if such
                              employee has been terminated without any direct
                              inducement by Seller.

                        (iii) Individual Obligations. In consideration of the
                              Purchase Price under this Agreement, the
                              individuals listed in Section 9(E)(iii) of the
                              Disclosure Schedule shall have the respective
                              non-competition and non-solicitation obligations
                              set forth in their respective Key Person
                              Agreements and the officers of Optimal Corp.
                              listed in Section 9(E)(iii) of the Disclosure
                              Schedule shall have the non-competition and
                              non-solicitation obligations set forth in the
                              Officer Agreement.

                        (iv)  Modification of Covenant. If a final judgment of a
                              court or tribunal of competent jurisdiction
                              determines that any term or provision contained in
                              this Section 9(E) is invalid or unenforceable,
                              then the parties agree that the court or tribunal
                              will have the power to reduce the scope, duration
                              or geographic area of the term or provision, to
                              delete specific words or phrases or to replace any
                              invalid or unenforceable term or provision with a
                              term or provision that is valid and enforceable
                              and that comes closest to expressing the intention
                              of the invalid or unenforceable term or provision.
                              This Section 9(E) will be enforceable as so
                              modified after the expiration of the time within
                              which the judgment may be appealed. This Section
                              9(E) is reasonable and necessary to protect and
                              preserve Buyer's legitimate business interests in
                              the geographical locations in which the business
                              operates and the value of the Purchased Assets and
                              to prevent any unfair advantage conferred on
                              Seller. In the event that the provisions of this

                                      -27-
<PAGE>

                              Section 9(E)(iv) are invoked and a court or
                              tribunal finally determines that the geographical
                              scope of the Section 9(E)(iv) provisions are not
                              enforceable or are invalid, then the parties
                              mutually agree to select to reduce the
                              geographical scope restrictions contained in
                              Section 9(E)(i) to solely the United States of
                              America and Canada.

                  (F)   Further Assurances. The parties hereto agree to
                        cooperate reasonably with each other and with their
                        respective authorized representatives in connection with
                        any steps required to be taken as part of their
                        respective obligations under this Agreement, and shall:
                        (i) furnish upon request to each other such further
                        information; (ii) execute and deliver to each other such
                        other documents; and (iii) do such other acts and
                        things, all as the other party may reasonably request
                        for the purpose of carrying out the intent of this
                        Agreement and the Transactions contemplated hereby.

                  (G)   Change of Address. Within thirty (30) days after the
                        Closing Date, Seller shall change its principal place of
                        business from its current location to an alternate
                        location. Seller, its employees, and any of its
                        Affiliates shall vacate the Real Property premises, and
                        the Purchased Assets. Seller shall amend its Articles of
                        Continuation to reflect its new address and shall
                        promptly notify the Buyer of the same.

                  (H)   Collection of Accounts Receivable. Seller shall promptly
                        remit to Buyer any payments it receives in respect of
                        Accounts Receivable generated by the Business prior to
                        Closing and received by Seller after the Closing Date.
                        After the Closing Date, Buyer shall have the right to
                        notify any customers who owe Seller any amounts properly
                        payable to Buyer to send their payments directly to
                        Buyer. Buyer shall be entitled to retain all payments
                        received after the Closing Date for the Accounts
                        Receivable.

                  (I)   Product name. On or promptly following the Closing Date,
                        Seller shall: (i) take all actions necessary to
                        terminate its use of the product name "U-Scan", and (ii)
                        take all actions reasonably requested by Buyer to enable
                        Buyer to use this name. Seller shall not use any name
                        that is significantly similar to the product name being
                        purchase hereunder.

                  (J)   Optimal names. On or promptly following the Closing
                        Date, Buyer shall: take all actions necessary to
                        terminate the use by the Business of the trade-marks and
                        trade names "Optimal" and "Optimal Robotics" and any
                        other names related to the Excluded Intellectual
                        Property. Buyer shall not use any name that is
                        significantly similar to the Excluded Intellectual
                        Property.

                  (K)   Notification. Each of Seller and Buyer agrees to
                        promptly notify the other party in the event such party
                        receives notice (whether verbal or

                                      -28-
<PAGE>

                        in writing) of any investigation, inquiry or proceeding
                        by any Governental Authority concerning the Transactions
                        contemplated by this Agreement.

      10.   Indemnification.

                  (A)   Seller Indemnification. Seller jointly and severally
                        agrees to indemnify and hold harmless Buyer and its
                        directors, officers, employees, agents and managers,
                        from any and all losses, claims, liabilities,
                        obligations, deficiencies, assessments, fines, costs,
                        and damages (including, without limitation, interest,
                        penalties, reasonable legal fees and reasonable
                        accounting fees), (collectively, "Damages"), resulting
                        from, arising from or relating to:

                        (i)   any debts, liabilities or obligations of Seller or
                              the Business, whether known or unknown, now
                              existing or hereafter arising of whatsoever nature
                              or character, whether absolute or contingent,
                              liquidated or disputed, relating to any matters
                              arising on or before the Closing Date other than
                              the Assumed Liabilities, with all such liabilities
                              other than the Assumed Liabilities being
                              collectively referred to as the "Excluded
                              Liabilities";

                        (ii)  any employees or assets not being transferred to
                              Buyer or any Eligible Employees who accept
                              employment with Buyer and make a claim regarding
                              actions occurring while employed by Seller (other
                              than in respect of accrued vacation days but not
                              used during 2004);

                        (iii) any misrepresentation, inaccuracy or breach of any
                              warranty or representation by Seller (or other
                              parties not affiliated with Buyer) in this
                              Agreement or the Ancillary Agreements to which it
                              is a party;

                        (iv)  any failure of Seller to perform any covenant or
                              agreement in this Agreement or any Ancillary
                              Agreement to which it is a party in a timely
                              manner and the failure of which remains uncured
                              for a period of thirty (30) days after receipt of
                              written notice from Buyer setting forth in
                              reasonable detail the nature of such failure; or

                        (v)   Seller's failure to comply with applicable bulk
                              sales or bulk transfer laws in connection with the
                              Transactions, except to the extent resulting from,
                              arising out of or with respect to Buyer's
                              obligation to pay or discharge the Assumed
                              Liabilities.

                  (B)   Buyer's Indemnification. Buyer shall indemnify and hold
                        harmless Seller and its directors, officers, employees,
                        agents and managers from and against any and all Damages
                        resulting from, arising from or relating to: (i) the
                        Assumed Liabilities; (ii) the Eligible Employees who
                        accept employment with Buyer regarding actions occurring

                                      -29-
<PAGE>

                        while employed by Buyer; (iii) any failure by Buyer to
                        perform of any of its covenants in this Agreement or any
                        Ancillary Agreement in a timely manner and the failure
                        of which remains uncured for a period of thirty (30)
                        days after receipt of written notice from Seller setting
                        forth in reasonable detail the nature of such failure;
                        and (iv) any breach of any warranty or the inaccuracy of
                        any representation of Buyer contained or referred to in
                        this Agreement or any certificate delivered by or on
                        behalf of Buyer pursuant hereto.

                  (C)   Limitations on Certain Indemnity Obligations. Buyer and
                        Seller agree that any claims related to : (i) the
                        Excluded Liabilities; (ii) failure of Seller or Buyer to
                        perform any covenant in this Agreement or in any
                        Ancillary Agreement or to comply with any applicable
                        bulk sales or bulk transfer Laws, except to the extent
                        resulting from, arising out of or with respect to
                        Buyer's obligation to pay or discharge the Assumed
                        Liabilities; (iii) breach of the representations and
                        warranties contained in Sections 6(C), 6(F) or 7(C); or
                        (iv) any breach of any representation or warranty
                        involving fraud or fraudulent misrepresentation, shall
                        be unlimited and not subject to the Basket or the Cap.
                        Except as provided above, in no event shall either
                        party:

                        (i)   make a claim for Damages pursuant to this Section
                              10 unless and until the total amount of such claim
                              individually exceeds U.S. Twenty-five Thousand
                              Dollars (US$25,000) or such claim and any other
                              current or prior claims, in the aggregate, exceed
                              U.S. Two Hundred Fifty Thousand Dollars
                              (US$250,000) (the "Basket"), and in such event,
                              then the Indemnifying Party shall reimburse the
                              Indemnified Party for the amount of all Damages
                              incurred by the Indemnified Party under this
                              Agreement without regard to the Basket; and

                        (ii)  be required to pay any Damages in excess of U.S.
                              Thirty Million Dollars (US$30,000,000) (the
                              "Cap").

                  (D)   Survival.

                        (i)   With respect to any and all claims among the
                              parties hereto arising in connection with this
                              Agreement: (a) the representations and warranties
                              set forth in this Agreement shall be continuing
                              and shall survive the Closing until December 31,
                              2006; (b) the covenants set forth in the
                              Agreement, the Ancillary Agreements and any claim
                              for any breach of the representations and
                              warranties contained in Sections 6(C), 6(F) or
                              7(C), or any of the representations and warranties
                              contained in this Agreement involving fraud or
                              fraudulent misrepresentation, shall survive the
                              Closing and continue in full force and effect
                              without limitation of time, subject only to
                              applicable limitation periods contained in this
                              Agreement and limitations imposed by Law (the
                              period during which the

                                      -30-
<PAGE>

                              representations and warranties and covenants and
                              agreements shall survive being referred to herein
                              with respect to such representations and
                              warranties and covenants and agreements as the
                              "Survival Period"), but shall thereafter terminate
                              and be of no further force and effect unless a
                              written notice asserting a claim shall have been
                              made pursuant to this Section 10(D) within the
                              Survival Period with respect to such matter.

                        (ii)  All claims made hereunder prior to the expiration
                              of the applicable survival period stated above,
                              but not yet settled, shall be subject to the
                              indemnification provisions hereunder.

                  (E)   Obligation to Reimburse. The party providing
                        indemnification hereunder (the "Indemnifying Party")
                        shall reimburse, within five (5) Business Days of demand
                        thereof, to the Person being indemnified hereunder (the
                        "Indemnified Party"), the amount of Damages suffered or
                        incurred by the Indemnified Party.

                  (F)   Notification. Promptly upon (i) an officer of either
                        party (or any other Indemnified Party) obtaining actual
                        knowledge after the Closing of a breach of a
                        representation or warranty of the other Party in this
                        Agreement, (ii) an Indemnified Party receiving notice of
                        a Third Party Claim or (iii) an Indemnified Party
                        otherwise becoming aware of any matter which could give
                        rise to indemnification under this Section 10, the
                        Indemnified Party shall forthwith notify the
                        Indemnifying Party of such matter with as much detail as
                        is reasonably available. The omission to so notify the
                        Indemnifying Party (or any other Indemnified Party)
                        shall not relieve the Indemnifying Party from any duty
                        to indemnify and hold harmless which otherwise might
                        exist with respect to such cause unless (and only to
                        that extent) the omission to notify prejudices the
                        ability of the Indemnifying Party to exercise its right
                        to defend or otherwise increases the amount to be
                        indemnified, pursuant to this Section 10, in which case
                        the indemnification may be reduced to the extent that
                        such delay prejudiced the defense of the claim or
                        increased the amount of liability or cost of defense.

                  (G)   Defense of Third Party Claim. If any legal proceeding
                        shall be instituted or any claim or demand shall be
                        asserted by a third party against the Indemnified Party
                        (each a "Third Party Claim"), then the Indemnifying
                        Party shall have the right, after receipt of the
                        Indemnified Party's notice under Section 10(F) and upon
                        giving notice to the Indemnified Party within fourteen
                        (14) Business Days of such receipt, to defend (and to
                        control the defense of) the Third Party Claim, provided
                        the Indemnifying Party acknowledges in writing its
                        obligation to indemnify the Indemnified Party for such
                        Third Party Claim. The Indemnifying Party shall
                        thereafter keep each Indemnified Party reasonably
                        informed with respect to the status of such Claim.
                        Amounts payable by the Indemnifying Party

                                      -31-
<PAGE>

                        pursuant to a Third Party Claim shall be paid in
                        accordance with the terms of the settlement or the
                        judgement, as the case may be, but in any event prior to
                        the expiry of any delay for a judgement to become
                        executory.

                  (H)   Defense Procedures. Upon the assumption of control of
                        any Third Party Claim by the Indemnifying Party as set
                        out in Section 10(G), the Indemnifying Party shall
                        diligently proceed with the defense, compromise or
                        settlement of the Third Party Claim at its sole expense,
                        including, if necessary, employment of counsel
                        reasonably satisfactory to the Indemnified Party and, in
                        connection therewith, the Indemnified Party shall
                        cooperate fully, but at the expense of the Indemnifying
                        Party with respect to any out-of-pocket expenses
                        incurred, to make available to the Indemnifying Party
                        all pertinent information and witnesses under the
                        Indemnified Party's control, make such assignments and
                        take such other steps as in the opinion of counsel for
                        the Indemnifying Party are reasonably necessary to
                        enable the Indemnifying Party to conduct such defense.
                        The Indemnifying Party shall not settle such Third Party
                        Claim unless such settlement includes as an
                        unconditional term thereof the giving by the claimant or
                        plaintiff of a full and complete unconditional release
                        of all Indemnified Parties from any and all liability
                        with respect to such Third Party Claim and does not
                        require any Indemnified Party to take or refrain from
                        taking any action and does not involve any restrictive
                        or other covenants or any other injunctive relief. As
                        long as the Indemnifying Party is diligently proceeding
                        with the defense, compromise or settlement of any such
                        Third Party Claim in good faith and on a timely basis,
                        the Indemnified Party shall not pay or settle any such
                        Third Party Claim without the consent of the
                        Indemnifying Party. Notwithstanding the assumption by
                        the Indemnifying Party of the defense of such Third
                        Party Claim as provided in this Section 10(H), the
                        Indemnified Party shall also have the right to
                        participate in (but not to control) the negotiation,
                        settlement or the defense of any Third Party Claim at
                        its own expense; provided, however, that if the
                        defendants in any such Third Party Claim shall include
                        both an Indemnified Party and an Indemnifying Party and
                        such Indemnified Party shall have reasonably concluded
                        that counsel selected by the Indemnifying Party has a
                        conflict of interest because of the availability of
                        different or additional defenses to such Indemnified
                        Party, such Indemnified Party shall have the right to
                        select separate counsel to participate in the defense of
                        such Third Party Claim on its behalf, at the expense of
                        the Indemnifying Party; and provided, further, that the
                        Indemnifying Party shall not be obligated to pay the
                        expenses of more than one separate counsel for all
                        Indemnified Parties.

                  (I)   Failure to Defend. If the Indemnifying Party fails
                        within fourteen (14) Business Days from receipt of the
                        notice of a Third

                                      -32-
<PAGE>

                        Party Claim to give notice of its intention to defend
                        the Third Party Claim in accordance with Section 10(G),
                        then the Indemnifying Party shall be deemed to have
                        waived its right to defend the Third Party Claim and the
                        Indemnified Party shall have the right (but not the
                        obligation) to undertake the defense of the Third Party
                        Claim and compromise and settle the Third Party Claim on
                        behalf, for the account and at the risk and expense of
                        the Indemnifying Party. In no event shall the
                        Indemnified Party settle such Third Party Claim unless
                        such settlement includes as an unconditional term
                        thereof the giving by the claimant or plaintiff of a
                        full and complete unconditional release of all
                        Indemnifying Parties from any and all liability with
                        respect to such Third Party Claim and does not require
                        any Indemnifying Party to take or refrain from taking
                        any action and does not involve any restrictive or other
                        covenants or any other injunctive relief.

                  (J)   Indemnification Sole Remedy. After the Closing, the
                        provisions of this Section 10 shall constitute the sole
                        remedy of the Parties against each other with respect to
                        any breach or non-fulfilment of any representation,
                        warranty, agreement, covenant, condition or any other
                        obligation contained in this Agreement, the Ancillary
                        Agreements and any other document delivered pursuant to
                        this Agreement.

                  (K)   Tax Status of Indemnification Claims. Any payment made
                        by Seller as an Indemnifying Party pursuant to this
                        Section 10 shall constitute a reduction of the Purchase
                        Price and any payment made by Buyer as an Indemnifying
                        Party pursuant to this Article shall constitute an
                        increase in the Purchase Price. In either case, each of
                        Seller and Buyer shall, as required under applicable
                        U.S., Canadian or U.K. Law, request all amendments to
                        its current or past Tax Returns as may be necessary to
                        reflect the foregoing. For greater certainty, any such
                        reduction of, or increase in, the Purchase Price shall
                        be allocated among the Purchased Assets to which such
                        payment by Seller or Buyer, respectively, can reasonably
                        be considered to relate. If any payment made by Seller
                        or Buyer as an Indemnifying Party is deemed by the
                        Excise Tax Act (Canada) to include goods and services
                        tax or harmonized sales Tax, or is deemed by any
                        applicable provincial or territorial legislation to
                        include a similar value added or multi-staged Tax, the
                        amount of such payment shall be increased accordingly.

      11.   Conditions Precedent to Buyer's Obligation to Perform. The
            obligation of Buyer to consummate the transaction contemplated in
            this Agreement is subject to the satisfaction or express waiver by
            Buyer at or prior to the Closing of the following conditions:

                  (A)   All representations and warranties by Seller in this
                        Agreement qualified by "Material" or "Material Adverse
                        Effect" shall be true and correct on and as if made as
                        of the Closing Date and all

                                      -33-
<PAGE>

                        representations and warranties by Seller in this
                        Agreement or in any document delivered by Seller
                        pursuant to this Agreement not so qualified shall be
                        true and correct in all Material respects on and as if
                        made as of the Closing Date;

                  (B)   All covenants of Seller qualified by "Material" or
                        "Material Adverse Effect" shall have been performed,
                        satisfied and complied with on or before the Closing
                        Date and all covenants, agreements and conditions
                        required by this Agreement to be performed or complied
                        with but not so qualified have been Materially
                        performed, satisfied or complied with by it on or before
                        the Closing Date;

                  (C)   Seller shall have delivered all of the documents,
                        agreements, instruments and other items that Seller is
                        required to deliver at the Closing pursuant to Section
                        13(B) of this Agreement;

                  (D)   Seller Shareholders shall have approved this Agreement
                        and the transactions contemplated hereby;

                  (E)   Seller shall have delivered the "U-Scan" software source
                        code in a machine readable format, including
                        architectural maps;

                  (F)   Since the Effective Date, there shall not have been
                        commenced against Buyer or any of its Affiliates, any
                        proceeding (a) involving any challenge to, or seeking
                        damages or injunctive relief in connection with, any of
                        the Transactions contemplated under this Agreement or
                        (b) that may have the effect of preventing, Materially
                        delaying, making illegal, imposing Material limitations
                        or conditions on or otherwise Materially interfering
                        with the Transaction;

                  (G)   At Closing, Seller will provide updates to the
                        Disclosure Schedule through the Closing Date to reflect
                        changes thereto, which must have been approved by Buyer
                        acting reasonably, and further including changes to any
                        representations and warranties in Section 6 as to which
                        no reference was made on the Disclosure Schedule as of
                        the Effective Date but as to which a reference on the
                        Disclosure Schedule would have been required to have
                        been created on or before the Effective Date if such
                        changes existed on the Effective Date. Notwithstanding
                        the foregoing, the delivery of any updated references to
                        the Disclosure Schedule pursuant to this Section 11(G)
                        shall not cure any Material breach of any representation
                        and warranty requiring disclosure of any matter prior to
                        or on the Effective Date or otherwise limit or affect
                        the remedies available hereunder to Buyer;

                  (H)   Buyer shall have entered or shall enter on the Closing
                        Date, into the Key Person Agreements with each of the
                        Key Employees, for a term of not less than two (2) years
                        of employment on terms and conditions otherwise
                        comparable to their current employment agreements with
                        Seller (collectively the "Key Person Agreements");

                                      -34-
<PAGE>

                  (I)   Buyer shall have entered or shall enter on the Closing
                        Date, into Officer Agreements with each of the officers
                        of Optimal Corp. listed in Section 11(I) of the
                        Disclosure Schedule;

                  (J)   Seller shall have provided assistance as requested by
                        Buyer in obtaining appropriate amendments to any third
                        party agreements that Buyer reasonably believes
                        appropriate;

                  (K)   Seller shall have agreed to provide, to the extent Buyer
                        reasonably believes necessary, short-term product
                        support, parts rework services and short-term Canadian
                        field technician support on commercially reasonable
                        mutually agreeable terms;

                  (L)   There shall not be pending against Buyer, Seller or
                        their respective Affiliates, an investigation or
                        proceeding by the Canadian Commissioner of Competition,
                        the U.S. Department of Justice, the U.S. Federal Trade
                        Commission, any State Attorney General, or similar
                        government body in any other country with authority to
                        enforce anti-trust or competition laws (collectively,
                        "Anti-Trust Authorities") alleging that the Transaction
                        violates the Competition Act (Canada) or the anti-trust
                        laws of the United States or anti-trust or competition
                        Laws in any other country; nor shall any Anti-Trust
                        Authority have notified Buyer, or any of its Affiliates,
                        or Seller that any such investigation or proceeding
                        will, or could reasonably expected to be, commenced;
                        provided, however, that in the event that any Anti-Trust
                        Authority commences an investigation or proceeding,
                        Buyer shall use all commercially reasonable efforts to
                        address the Anti-Trust Auhorities' allegations or
                        concerns with Seller providing information and
                        assistance reasonably necessary to address the
                        Anti-Trust Authorities' allegations or concerns; and

                  (M)   All required consents of Governmental authorities listed
                        in Section 7(F) of Buyer's Disclosure Schedule shall
                        have been obtained.

      12.   Conditions Precedent to Seller's Obligation to Perform. The
            obligation of Seller to consummate the Transaction contemplated in
            this Agreement is subject to the satisfaction or express waiver by
            Seller at or prior to the Closing of the following conditions:

                  (A)   All representations and warranties by Buyer in this
                        Agreement qualified by "Material" or "Material Adverse
                        Effect" shall be true and correct on and as if made as
                        of the Closing Date and all representations and
                        warranties by Seller in this Agreement or in any
                        document delivered by Buyer pursuant to this Agreement
                        not so qualified shall be true and correct in all
                        Material respects on and as if made as of the Closing
                        Date;

                  (B)   All covenants of Buyer qualified by "Material" or
                        "Material Adverse

                                      -35-
<PAGE>

                        Efsfect" shall have been performed, satisfied and
                        complied with on or before the Closing Date and all
                        covenants, agreements and conditions required by this
                        Agreement to be performed or complied with but not so
                        qualified have been Materially performed, satisfied or
                        complied with by it on or before the Closing Date;

                  (C)   Buyer shall have delivered all of the documents,
                        agreements, instruments and other items that Buyer is
                        required to deliver at the Closing pursuant to Section
                        13(C) of this Agreement;

                  (D)   Seller Shareholders shall have approved this Agreement
                        and the transactions contemplated in this Agreement;

                  (E)   Since the Effective Date, there shall not have been
                        commenced against Seller or its Affiliates, any
                        proceeding (a) involving any challenge to, or seeking
                        damages or injunctive relief in connection with the
                        Transaction or (b) that may have the effect of
                        preventing, materially delaying, making illegal,
                        imposing material limitations or conditions on or
                        otherwise materially interfering with the Transactions
                        contemplated in this Agreement; and

                  (F)   All required consents of Governmental authorities listed
                        in Section 6(E)of the Disclosure Schedule shall have
                        been obtained.

13.   Closing.

                  (A)   The closing of the transactions contemplated in this
                        Agreement (the "Closing") shall take place on or before
                        April 30, 2004 (the "Closing Date") at the offices of
                        Osler, Hoskin & Harcourt LLP, in Montreal, Quebec;
                        provided that all of the conditions precedent in Section
                        11 and 12 have been satisified or waived. If any of the
                        parties determines prior to the Closing Date that any of
                        the conditions set forth in Sections 11 or 12 have not
                        been met, such party shall notify the other in writing
                        at the address set forth in Section 17 below prior to
                        the Closing Date.

                  (B)   At the Closing, Seller shall deliver or cause to be
                        delivered to Buyer the following documents, instruments,
                        certificates and agreements (which shall be in form and
                        substance reasonably satisfactory to Buyer and its
                        counsel):

                        (i)   The Bill of Sale, duly executed by Seller;

                        (ii)  A counterpart to the Assignment and Assumption
                              Agreement, duly executed by Seller;

                        (iii) Such other deeds, bills of sale, leases,
                              assignments and other instruments of sale, in form
                              and substance reasonably satisfactory to Buyer's
                              counsel, as shall be required to vest in Buyer
                              good title

                                      -36-
<PAGE>

                              to the Purchased Assets, free and clear of all
                              Encumbrances other than Permitted Encumbrances;

                        (iv)  Resolutions of the Boards of Directors of Optimal
                              Corp., Optimal Inc. and Optimal Plc., approving
                              this Agreement and the Transaction, certified by a
                              duly authorized officer;

                        (v)   A certificate signed by an authorized officer of
                              Seller and dated as of the Closing Date,
                              certifying that the representations and warranties
                              of Seller contained in this Agreement qualified by
                              "Material" or "Material Adverse Effect" are true
                              and correct on the Closing Date and that
                              representations and warranties of Seller contained
                              in this Agreement not so qualified are true and
                              correct in all Material respects on the Closing
                              Date as if such representations and warranties
                              were made on the Closing Date; and all covenants
                              qualified by "Material" or "Material Adverse
                              Effect" have been complied with and all covenants
                              not so qualified have been complied with in all
                              Material respects;

                        (vi)  An incumbency and specimen certificate with
                              respect to the officer(s) of Seller executing this
                              Agreement and any Ancillary Agreement to which
                              Seller is a party;

                        (vii) A Certificate of Good Standing for each Seller
                              issued not earlier than thirty (30) days prior to
                              the Closing Date;

                       (viii) An opinion of Osler, Hoskin & Harcourt LLP,
                              counsel to Seller, substantially in the form
                              attached hereto as Exhibit J, and an opinion of
                              U.S. counsel to Seller as to the enforceability of
                              this Agreement and the Ancillary Agreements to
                              which it is a party, in form and content
                              reasonably acceptable to Buyer;

                        (ix)  A counterpart of each of the Key Person
                              Agreements, duly executed by each Key Person;

                        (x)   A counterpart of each of the Officer Agreements,
                              duly executed by each officer of Seller listed in
                              Section 9(E)(iii)

                        (xi)  Evidence reasonably acceptable to Buyer of the
                              approval of the transactions contemplated by this
                              Agreement by Seller Shareholders;

                        (xii) All of the required consents from third parties
                              set forth in Section 13(B)(xii) of the Disclosure
                              Schedule; and

                       (xiii) Any related documents that may reasonably be
                              requested by either party as necessary to fully
                              consummate the transactions contemplated by this
                              Agreement.

                                      -37-
<PAGE>

                  (C)   At the Closing, Buyer shall deliver or cause to be
                        delivered to Seller and Shareholders the following
                        documents, instruments, certificates and agreements
                        (which shall be in form and substance reasonably
                        satisfactory to Seller and its counsel):

                        (i)   A certificate signed by an authorized officer of
                              Buyer and dated as of the Closing Date, certifying
                              that the representations and warranties of Buyer
                              contained in this Agreement qualified by
                              "Material" or "Material Adverse Effect" are true
                              and correct on the Closing Date and that
                              representations and warranties of Buyer contained
                              in this Agreement not so qualified are true and
                              correct in all Material respects on the Closing
                              Date as if such representations and warranties
                              were made on the Closing Date; and all covenants
                              qualified by "Material" or "Material Adverse
                              Effect" have been complied with and all covenants
                              not so qualified have been complied with in all
                              Material respects;

                        (ii)  The Purchase Price;

                        (iii) A counterpart of the Assignment and Assumption
                              Agreement duly executed by Buyer;

                        (iv)  Resolutions of the Board of Directors of NCR, NCR
                              Canada and NCR U.K. approving this Agreement and
                              the transactions contemplated by this Agreement,
                              certified by a duly authorized officer;

                        (v)   An incumbency certificate and specimen certificate
                              with respect to the officer(s) of Buyer executing
                              this Agreement and any Ancillary Agreements to
                              which the Buyer is a party;

                        (vi)  A counterpart to each of the Key Person
                              Agreements, duly executed by Buyer;

                        (vii) A counterpart to each of the Officer Agreements,
                              duly executed by Buyer;

                       (viii) Any related documents that may reasonably
                              requested by either party necessary to fully
                              consummate the transactions contemplated by this
                              Agreement.

      14.   Termination.

                  (A)   This Agreement may be terminated on or prior to the
                        Closing Date:

                        (i)   By mutual written consent of Seller and Buyer; or

                        (ii)  by either Seller on one hand, or Buyer on the
                              other hand, by written notice to the other party
                              if:

                                      -38-
<PAGE>

                              (1)   the Transaction has not been consummated by
                                    April 30, 2004, unless such date shall have
                                    been extended by the mutual written consent
                                    of Seller and Buyer; provided, however, that
                                    this right to terminate shall not be
                                    available to any party whose failure to
                                    fulfill in any Material respect any covenant
                                    or obligation under this Agreement has been
                                    the cause of, or results in, the failure of
                                    the Closing to occur on or before April 30,
                                    2004; or

                              (2)   any court of competent jurisdiction in (i)
                                    the United States or other United States
                                    federal or state governmental entity, or
                                    (ii) Canada, or (iii) any other country
                                    shall have issued an order, decree or
                                    ruling, or taken any other action,
                                    restraining, enjoining or otherwise
                                    prohibiting the transactions contemplated by
                                    this Agreement.

                        (iii) by Seller if:

                              (1)   there shall have been a Material breach of
                                    any representations or warranties set forth
                                    in this Agreement on the part of Buyer,
                                    which breach shall remain uncured for a
                                    period of thirty (30) days, or any
                                    representations or warranties of Buyer shall
                                    have become and remain untrue in any
                                    Material respect for a period of thirty (30)
                                    days, provided that Seller has not
                                    Materially breached any of its obligations
                                    hereunder; or

                              (2)   there shall have been a Material breach by
                                    Buyer of any of its covenants or agreements
                                    hereunder and such breach would result in a
                                    Material Adverse Effect on Buyer or
                                    materially adversely affecting (or
                                    materially delaying) the ability of Buyer or
                                    Seller to consummate the Transaction and
                                    Buyer has not cured such breach within ten
                                    (10) Business Days after notice by Seller
                                    thereof setting forth in reasonable detail
                                    the nature of such breach; provided that
                                    Seller has not Materially breached any of
                                    its obligations hereunder; or

                              (3)   any condition to Closing set forth in
                                    Section 12 shall not have been fulfilled or
                                    waived by Seller by April 30, 2004; or

                              (4)   the Optimal Board, in accordance with
                                    Section 8(E), accepts an offer from any
                                    other Person to complete a Fiduciary
                                    Transaction.

                        (iv)  by Buyer if:

                              (1)   there shall have been a Material breach of
                                    any

                                      -39-
<PAGE>

                                    representations or warranties set forth
                                    in this Agreement on the part of Seller,
                                    which breach shall remain uncured for a
                                    period of thirty (30) days, or any
                                    representations or warranties of the Seller
                                    shall have become and remain untrue in any
                                    Material respect for a period of thirty (30)
                                    days provided that Buyer has not Materially
                                    breached any of its obligations hereunder;
                                    or

                              (2)   there shall have been a Material breach by
                                    Seller of one or more of its covenants or
                                    agreements hereunder having a Material
                                    Adverse Effect on the Business or Materially
                                    adversely affecting (or materially delaying)
                                    the ability of Seller and Buyer to
                                    consummate the Transaction and Seller has
                                    not cured such breach within ten (10)
                                    Business Days after notice by Buyer thereof
                                    setting forth in reasonable detail the
                                    nature of such breach, provided that Buyer
                                    has not Materially breached any of its
                                    obligations hereunder or

                              (3)   any condition to Closing set forth in
                                    Section 11 shall not have been fulfilled or
                                    waived by Buyer by April 30, 2004.

                  (B)   Procedures Upon Termination. In the event of termination
                        pursuant to this Section 14, written notice shall
                        forthwith be given to the other party or parties, and
                        the Transaction shall be abandoned, without further
                        action by any party hereto; provided, however, that,
                        nothing contained herein shall be construed to prevent
                        any parties hereto from pursuing any remedy available at
                        law or in equity for any breach, violation, default or
                        other failure of performance of any other party hereto
                        prior to Closing.

                  (C)   Break Fee. If Seller terminates this Agreement pursuant
                        to Section 14(A)(iii)(4) in respect of an accepted offer
                        to complete a Fiduciary Transaction, then, immediately
                        upon the closing of such Fiduciary Transaction, Seller
                        will pay to NCR the sum of U.S. Three Million Dollars
                        (US$3,000,000) (the "Break Fee"), which Break Fee will
                        serve as the exclusive remedy to Buyer for such
                        acceptance, and Buyer will not be entitled to any other
                        rights or remedies provided at Law or in equity. If
                        Seller shall breach Section 8(E) and within six months
                        after the date of such breach Seller signs a letter of
                        intent or other agreement relating to the acquisition of
                        all or any substantial portion of the assets of the
                        Business, whether directly or indirectly, through
                        purchase, merger, consolidation, or otherwise (other
                        than sales of inventory or immaterial portions of
                        Seller's assets in the ordinary course of the operation
                        of the Business) and such transaction is ultimately
                        consummated, then, immediately upon the closing of such
                        transaction, Seller will pay to NCR the Break Fee;
                        provided, however, that the Break Fee will not serve as
                        the exclusive remedy to Buyer hereunder in the event of
                        a breach by Seller of Section 8(E), and Buyer will be
                        entitled to any other rights or

                                      -40-
<PAGE>

                        remedies provided at Law or in equity. Notwithstanding
                        the foregoing, in the event the amount of the Break Fee
                        is determined to be unenforceable under applicable law,
                        the Break Fee will be automatically reduced to the
                        highest amount enforceable under applicable law.

      15.   Confidentiality.

                  (A)   Except: (i) as required by Law; (ii) as required by a
                        Governmental Authority or stock exchange; (iii) in
                        connection with the Shareholders' Meeting pursuant to
                        Section 8(G); (iv) between the Effective Date and the
                        Closing Date, where the disclosure is protected by a
                        confidentiality or non-disclosure agreement between
                        Seller and any other Person and such disclosure is made
                        by Seller in accordance with Section 1 of the
                        Exclusivity Agreement; or (v) in the ordinary course of
                        the operation of the Business, the parties shall deem as
                        Confidential Information (as defined below) all matters
                        of the Business and shall not disclose the same, unless
                        in accordance with this Agreement. The term
                        "Confidential Information" includes any and all of the
                        following information of Seller or Buyer that has been
                        or may hereafter be disclosed in any form, whether in
                        writing, orally, electronically or otherwise, or
                        otherwise made available by observation, inspection or
                        otherwise by either party (Buyer on the one hand or
                        Seller on the other hand) or its representatives
                        (collectively, a "Disclosing Party") to the other party
                        or its representatives (collectively, a "Receiving
                        Party"): (i) all information that is a trade secret
                        under applicable trade secret or other law; all
                        information concerning product specifications, data,
                        know-how, formulae, compositions, processes, designs,
                        sketches, photographs, graphs, drawings, samples,
                        inventions and ideas, past, current and planned research
                        and development, current and planned manufacturing or
                        distribution methods and processes, customer lists,
                        current and anticipated customer requirements, price
                        lists, market studies, business plans, computer
                        hardware, computer software and database technologies,
                        systems, structures and architectures; (ii) all
                        information concerning the business and affairs of the
                        Disclosing Party (which includes historical and current
                        financial statements, financial projections and budgets,
                        tax returns and accountants' materials, historical,
                        current and projected sales, capital spending budgets
                        and plans, business plans, strategic plans, marketing
                        and advertising plans, publications, client and customer
                        lists and files, contracts, the names and backgrounds of
                        key personnel and personnel training techniques and
                        materials, however documented), and all information
                        obtained from review of the Disclosing Party's documents
                        or property or discussions with the Disclosing Party
                        regardless of the form of the communication; and (iii)
                        and all notes, analyses, compilations, studies,
                        summaries and other material prepared by the Receiving
                        Party to the extent containing or based, in

                                      -41-
<PAGE>

                        whole or in part, upon any information included in the
                        foregoing.

                  (B)   Each Receiving Party acknowledges the confidential and
                        proprietary nature of the Confidential Information of
                        the Disclosing Party and agrees that, subject to the
                        proviso contained in paragraph (A) of this Section 15,
                        such Confidential Information (i) shall be kept
                        confidential by the Receiving Party; (ii) shall not be
                        used for any reason or purpose other than to evaluate
                        and consummate the Transaction; and (iii) without
                        limiting the foregoing, shall not be disclosed by the
                        Receiving Party to any Person, except in each case as
                        otherwise expressly permitted by the terms of this
                        Agreement or with the prior written consent of an
                        authorized representative of Seller with respect to
                        Confidential Information of Seller (each, a "Seller
                        Contact") or an authorized representative of Buyer with
                        respect to Confidential Information of Buyer (each, a
                        "Buyer Contact"). Each of Buyer and Seller shall
                        disclose the Confidential Information of the other party
                        only to its representatives who require such material
                        for the purpose of evaluating the Transaction and are
                        informed by Buyer or Seller, as the case may be, of the
                        obligations of this Section 15 with respect to such
                        Confidential Information. Each of Buyer and Seller shall
                        (i) enforce the terms of this Section 15 as to its
                        respective representatives; (ii) take such action to the
                        extent necessary to cause its representatives to comply
                        with the terms and conditions of this Section 15; and
                        (iii) be responsible and liable for any breach of the
                        provisions of this Section 15 by it or its
                        representatives.

                  (C)   Unless and until this Agreement is terminated as
                        provided in Section 14, Seller shall maintain as
                        confidential any Confidential Information of Seller
                        relating to the Business, the Purchased Assets or the
                        Assumed Liabilities. Notwithstanding the preceding
                        sentence, Seller may use any Confidential Information of
                        Seller before the Closing in the ordinary course of the
                        operation of the Business in connection with the
                        transactions permitted by Section 10.

                  (D)   From and after the Closing, the provisions of Section
                        15(B) above shall not apply to or restrict in any manner
                        Buyer's use of any Confidential Information relating to
                        the Business, the Purchased Assets or the Assumed
                        Liabilities.

                  (E)   This Section 15 does not apply to that portion of the
                        Confidential Information of a Disclosing Party that a
                        Receiving Party demonstrates (a) was, is or becomes
                        generally available to the public other than as a result
                        of a breach of this Section 15 or that certain
                        Confidentiality Agreement by and between Seller and
                        Buyer; (b) was or is developed by the Receiving Party
                        independently of and without reference to any
                        Confidential Information of the Disclosing Party; or (c)
                        was, is or becomes available to the Receiving Party on a
                        nonconfidential basis from a Person not bound by a
                        confidentiality

                                      -42-
<PAGE>

                        agreement or any legal, fiduciary or other obligation
                        restricting disclosure.

                  (F)   If a Receiving Party becomes compelled in any proceeding
                        or is requested by a Governmental Authority having
                        regulatory jurisdiction over this Agreement to make any
                        disclosure that is prohibited or otherwise constrained
                        by this Section 15, that Receiving Party shall provide
                        the Disclosing Party with prompt notice of such
                        compulsion or request so that it may seek an appropriate
                        protective order or other appropriate remedy or waive
                        compliance with the provisions of this Section 15. In
                        the absence of a protective order or other remedy, the
                        Receiving Party may disclose that portion (and only that
                        portion) of the Confidential Information of the
                        Disclosing Party that, based upon advice of the
                        Receiving Party's counsel, the Receiving Party is
                        legally compelled to disclose or that has been requested
                        by such Governmental Authority, provided, however, that
                        the Receiving Party shall use reasonable efforts to
                        obtain reliable assurance that confidential treatment
                        will be accorded by any Person to whom any Confidential
                        Information is so disclosed. The provisions of this
                        Section 15 do not apply to any proceedings between the
                        parties to this Agreement.

                  (G)   If this Agreement is terminated, each Receiving Party
                        shall (a) destroy all Confidential Information of the
                        Disclosing Party prepared or generated by the Receiving
                        Party without retaining a copy of any such material; (b)
                        promptly deliver to the Disclosing Party all other
                        Confidential Information of the Disclosing Party,
                        together with all copies thereof, in the possession,
                        custody or control of the Receiving Party or,
                        alternatively, with the written consent of a Seller
                        Contact or a Buyer Contact (whichever represents the
                        Disclosing Party) destroy all such Confidential
                        Information; and (c) certify all such destruction in
                        writing to the Disclosing Party, provided, however, that
                        the Receiving Party may retain a list that contains
                        general descriptions of the information it has returned
                        or destroyed to facilitate the resolution of any
                        controversies after the Disclosing Party's Confidential
                        Information is returned.

                  (H)   Except as otherwise set forth in this Section 15, the
                        obligations of each party under this Section 15 in
                        respect of (i) Intellectual Property of the Business
                        shall survive the Closing or any termination of this
                        Agreement for a period of two (2) years and (ii) all
                        other matters shall survive the Closing for a period of
                        one (1) year.

      16.   Dispute Resolution.

                  (A)   Injunction. Each of the parties hereto acknowledges and
                        agrees that a party may be irreparably damaged if an
                        Intellectual Property, non-compete or non-solicitation
                        provision of this Agreement is not performed in
                        accordance with their specific terms and that such

                                      -43-
<PAGE>

                        breach of this Agreement by the other party could not be
                        adequately compensated in all cases by monetary damages
                        alone. Accordingly, in addition to any other right or
                        remedy to which any party may be entitled, at law or in
                        equity, any of the parties hereto shall be entitled to
                        seek to enforce such provision of this Agreement by a
                        decree of specific performance and to temporary,
                        preliminary and permanent injunctive relief to prevent
                        any breach or threatened breach of any of the provisions
                        of this Agreement, without posting any bond or other
                        undertaking and without regard to the provisions of
                        Section 16(B).

                  (B)   Arbitration.

                        (i)   In the event that there is a dispute arising out
                              of or relating to this Agreement, the
                              relationships created by it or the transactions
                              occurring under it, the parties hereto shall
                              attempt in good faith to resolve such disputes
                              promptly by negotiation. Any party may give the
                              other parties written notice that a dispute exists
                              (a "Notice of Dispute"). The Notice of Dispute
                              shall include a brief statement of such party's
                              position or claim. Within ten (10) calendar days
                              of the delivery of the Notice of Dispute, the
                              parties shall meet at a mutually acceptable time
                              and place, and thereafter as long as they mutually
                              agree in order to attempt to resolve the dispute.
                              Subject to and without limiting the provisions of
                              subSection (v) of this Section 16(B), key
                              documents and other information or data on which
                              each party relies in demonstrating its position or
                              claim concerning the dispute shall upon reasonable
                              request of the other party be furnished or made
                              available on reasonable terms to the other party
                              at or before the first meeting of the Parties as
                              provided by this subsection. Notwithstanding the
                              foregoing, if the dispute has not been resolved
                              for whatever reason within thirty (30) calendar
                              days of the delivery of a Notice of Dispute, or if
                              the parties have failed to meet for whatever
                              reason within ten (10) calendar days of the Notice
                              of Dispute, then any controversy or claim arising
                              out of or relating to this Agreement, other than a
                              Special Claim, shall be resolved by arbitration in
                              accordance with the provisions of this Section
                              16(B). The arbitration shall commence as soon as
                              practicable but in any event within thirty (30)
                              calendar days from the expiration of the thirty
                              (30) day period contemplated above unless the
                              parties otherwise agree.

                        (ii)  Forum and Jurisdiction. The forum for and the
                              place of the arbitration shall be New York, New
                              York.

                        (iii) Governing Law. This Agreement shall be governed
                              and construed according to the laws of New York,
                              excluding conflict of laws principles, provided
                              that any dispute relating to the validity or
                              effect of this arbitration clause, or to any
                              arbitration arising hereunder, shall be governed
                              by the Federal Arbitration Act.

                                      -44-
<PAGE>

                        (iv)  Administration. The arbitration shall be
                              administered by the American Arbitration
                              Association ("AAA"), pursuant to its then-current
                              International Rules of the AAA (the "AAA Rules"),
                              as modified by any other provisions that the
                              parties may jointly agree upon in writing (it
                              being understood that the parties shall be under
                              no obligation to so agree). Although not bound by
                              the formal rules of evidence, the Sole Arbitrator
                              (as defined below) shall be guided by the
                              principles set forth in the 1999 IBA Rules on the
                              Taking of Evidence in International Commercial
                              Arbitration. The parties exclude any right of
                              appeal of the decision of the arbitral tribunal to
                              any court on the merits of the dispute. Judgment
                              on the arbitration award may be entered in any
                              court having jurisdiction over the award or any of
                              the parties or their assets. There shall be a
                              single arbitrator, mutually selected by the
                              parties (the "Sole Arbitrator"). In the event that
                              the parties cannot mutually select the Sole
                              Arbitrator within (45) calendar days of the date
                              of delivery of Notice of Dispute then the AAA
                              shall appoint the Sole Arbitrator. The Sole
                              Arbitrator shall be a licensed attorney with at
                              least fifteen (15) years of experience in
                              corporate law matters. If either party brings a
                              claim in a competent court that is required by
                              this Section 16 to be brought in arbitration, and
                              the party successfully moves for an order
                              compelling arbitration, the non-prevailing party
                              shall be obligated to pay the prevailing party's
                              costs and reasonable attorney fees associated
                              therewith. Any demand for arbitration shall
                              include detail sufficient to establish the nature
                              of the dispute (including the claims asserted and
                              the material issues with respect thereto) and
                              shall be served upon the other party.

                        (v)   Discovery. In the case of arbitration, discovery
                              from the other party shall be limited to requests
                              for production of documents and to five (5)
                              depositions, and no additional formal discovery
                              from the other party (e.g., interrogatories or
                              requests for admissions) shall be permitted except
                              by mutual consent or as approved by the Sole
                              Arbitrator for good cause shown. If disputes are
                              properly brought before the Courts in accordance
                              with this Agreement, discovery shall be as
                              permitted under the governing law.

                        (vi)  Expenses. Each party shall bear its own costs of
                              arbitration or litigation hereunder, provided,
                              however, that the fees and expenses of the Sole
                              Arbitrator shall be shared equally between the
                              parties.

                        (vii) Remedies; Award. The Sole Arbitrator shall have no
                              authority to award treble, exemplary,
                              consequential or punitive damages of any type, or
                              other damages elsewhere excluded in this
                              Agreement, under any circumstances. In making an
                              award the Sole Arbitrator shall be bound by all
                              dollar and other limitations set forth in this
                              Agreement.

                                      -45-
<PAGE>

                       (viii) Confidentiality. The arbitral proceedings and any
                              rulings or award shall be kept confidential by the
                              parties and members of the arbitral tribunal
                              except: (a) as necessary for enforcement or
                              recognition of the award; (b) with the consent of
                              all parties; (c) as required by Law; or (d) as
                              necessary to protect legitimate interests of a
                              party or arbitrator.

                  (C)   Special Actions.

                        (i)   Jurisdiction. With respect to actions, suits or
                              proceedings seeking specific performance of an
                              Intellectual Property, non-compete or
                              non-solicitation provision of this Agreement or
                              injunctive relief contemplated by Section 16(A) (a
                              "Special Action"), each party to this Agreement,
                              by its execution hereof, (a) hereby irrevocably
                              submits to the exclusive jurisdiction of the state
                              courts of the State of New York or the United
                              States District Court located in the Southern
                              District of the State of New York (the "Courts")
                              for the purpose of any Special Action between the
                              parties arising in whole or in part under or in
                              connection with this Agreement, (b) hereby waives
                              to the extent not prohibited by applicable law,
                              and agrees not to assert, by way of motion, as a
                              defense or otherwise, in any Special Action, any
                              claim that it is not subject personally to the
                              jurisdiction of the Courts, that its property is
                              exempt or immune from attachment or execution,
                              that any Special Action brought in one of the
                              Courts should be dismissed on grounds of forum non
                              conveniens, should be transferred or removed to
                              any court other than one of the Courts, or should
                              be stayed by reason of the pendency of some other
                              proceeding in any other court other than one of
                              the Courts, or that this Agreement or the subject
                              matter hereof may not be enforced in or by such
                              Court and (c) hereby agrees not to commence any
                              such Special Action other than before one of the
                              Courts. Each party agrees that for any Special
                              Action between the parties arising in whole or in
                              part under or in connection with this Agreement,
                              such party bring a Special Action only in the
                              Borough of Manhattan.

                        (ii)  Venue. Each party further waives any claim and
                              will not assert that venue for such Special Action
                              should properly lie in any other location within
                              the selected jurisdiction.

                        (iii) Service of Process. Each party hereby (a) consents
                              to service of process in any Special Action
                              between the parties arising in whole or in part
                              under or in connection with this Agreement in any
                              manner permitted by New York law, (b) agrees that
                              service of process made in accordance with clause
                              (a) or made by registered or certified mail,
                              return receipt requested, at its address specified
                              pursuant to Section 17, will constitute good and
                              valid service of process in any such Special
                              Action and (c) waives and agrees not to assert (by
                              way of motion, as a defense, or otherwise) in any
                              such

                                      -46-
<PAGE>

                              Special Action any claim that service of process
                              made in accordance with clause (a) or (b) does not
                              constitute good and valid service of process.

                  THE PARTIES HEREBY WAIVE ANY RIGHT TO TRIAL BY JURY IN ANY
            PROCEEDING ARISING OUT OF OR RELATING TO THIS AGREEMENT OR ANY OF
            THE CONTEMPLATED TRANSACTIONS, WHETHER NOW EXISTING OR HEREAFTER
            ARISING, AND WHETHER SOUNDING IN CONTRACT, TORT OR OTHERWISE. THE
            PARTIES AGREE THAT ANY OF THEM MAY FILE A COPY OF THIS SECTION WITH
            ANY COURT AS WRITTEN EVIDENCE OF THE KNOWING, VOLUNTARY AND
            BARGAINED-FOR AGREEMENT AMONG THE PARTIES IRREVOCABLY TO WAIVE TRIAL
            BY JURY AND THAT ANY PROCEEDING WHATSOEVER BETWEEN THEM RELATING TO
            THIS AGREEMENT OR THE TRANSACTION SHALL INSTEAD BE TRIED IN A COURT
            OF COMPETENT JURISDICTION BY A JUDGE SITTING WITHOUT A JURY

      17.   Notices. Any notice, consent, authorization, direction or other
            communication required or permitted to be delivered or given
            hereunder shall be in writing and shall be delivered either by
            personal delivery, by registered mail or by telecopier or similar
            telecommunications device and addressed as follows:

<TABLE>
<S>                                                            <C>
            If to Buyer:                                       With a copy to (which such copy shall not
                                                               constitute notice:

                                                                  NCR CORPORATION
            NCR CORPORATION                                       2651 Satellite Boulevard
            1700 S. Patterson Blvd.                               Duluth, Georgia 30096
            Dayton, Ohio  45479-0001
                                                                  Attn:  Law Vice-President and Chief
            Attn:  General Counsel Notice                         Counsel, Retails Solutions Division
                   Fax No.: (937) 445-7214                        Fax No.:  (404) 479-1158

            If to Seller:                                      With a copy to (which such copy shall not
                                                               constitute notice):

            Optimal Robotics Corp.                                Osler, Hoskin & Harcourt LLP
            c/o Osler, Hoskin & Harcourt LLP                      1000 de La Gauchetiere Street West,
            1000 de La Gauchetiere Street West,                   Suite 2100
            Suite 2100                                            Montreal, Quebec, Canada H3B 4W5
            Montreal, Quebec, Canada H3B 4W5

            Attn:  Warren M. Katz                                 Attn :     Warren M. Katz
                   Fax No.: (514) 904-8198                        Fax No.:  (514) 904-8101
</TABLE>

                                      -47-
<PAGE>

            Any notice, consent, authorization, direction or other communication
            delivered as aforesaid shall be deemed to have been effectively
            delivered and received, if sent by telecopier on the day of receipt
            as stipulated on the acknowledgement of receipt (confirmation of
            receipt by confirmed facsimile transmission being deemed receipt)
            or, if delivered in any other manner, to have been delivered and
            received on the date of such delivery or, if sent by registered mail
            with acknowledgement of receipt requested, to have been delivered
            and received on the day of receipt as stipulated on the
            acknowledgement of receipt. Either party may change its address for
            service by notice delivered as aforesaid.

      18.   Assignment of Rights.

                  (A)   Nothing in this Agreement shall be construed as a sale,
                        assignment, conveyance or transfer of, or an attempt to,
                        where applicable, sell, assign, convey or transfer,
                        directly or indirectly, any Contracts, Accounts
                        Receivable, Transferred Leases, Intellectual Property,
                        Permits or other Purchased Assets (collectively, the
                        "Rights") if:

                        (i)   such Right is not saleable, assignable, conveyable
                              or transferable by Seller without the consent of
                              another Person (if such consent has not been
                              obtained) or such sale, assignment, conveyance or
                              transfer or attempted sale, assignment, conveyance
                              or transfer would constitute a breach or
                              termination of such Right without the consent of
                              another Person (if such consent has not been
                              obtained), or

                        (ii)  the remedies for the enforcement of such Right
                              available to Seller would not pass to Buyer.

                  (B)   If Seller fails to obtain a consent to assign any Right
                        to Buyer such that the full value of any such Right may
                        not be realized for the benefit of Buyer, Seller shall
                        no later than at Closing, to the extent permitted by Law
                        and using its reasonable efforts, take all such action
                        and do or cause to be done all such things (including
                        entering into sub-contract or service agreements) which
                        are necessary or advisable in order that the obligations
                        of Seller in connection with such Right may be performed
                        in such manner that the full value of such Right to
                        Seller (or its Affiliates, as the case may be) is
                        preserved and enures to the benefit of Buyer.

                  (C)   If Seller provides to Buyer, the full value under any
                        Right pursuant to Section (B) above, Buyer shall be
                        responsible for, and shall pay or perform, all
                        obligations relating thereto on the same basis as if
                        such Right had been assigned to and assumed by Buyer.

      19.   Preservation of Records. Each of Buyer and Seller agrees to retain
            possession of, and cause its respective Affiliates to retain the
            possession of, all records, and information (i) relating to the
            Business in existence on the Closing Date and (ii)

                                      -48-
<PAGE>

            coming into existence within eight (8) years after the Closing Date
            which relate to the Business before the Closing Date; provided that
            eight (8) years after the Closing Date, each of Buyer and Seller may
            dispose of any records or information that it reasonably believes is
            no longer needed to be retained. In addition, from and after the
            Closing Date, each of Buyer and Seller undertakes to provide access,
            and cause its respective Affiliates to provide access, to the other
            and the other's respective attorneys, accountants and other
            representatives (after reasonable notice and during normal business
            hours without interference with the ordinary conduct of the business
            and with reasonable charge) to the officers, directors, employees,
            attorneys, accountants and other representatives of the other and to
            such records and information (excluding Tax Returns and records and
            information pertaining to the period as and from the Closing Date)
            including information stored on computerized information retrieval
            systems, relating to the Business as each may reasonably deem
            necessary to properly prepare for, file, prove, answer, prosecute
            and/or defend any claim (including an assessment) or proceeding or
            in order to comply with or to evaluate any obligation or liability
            (under Law, by contract or otherwise).

      20.   No Assignment. This Agreement, and the covenants herein contained,
            shall be binding upon, shall inure to the benefit of, and shall be
            enforceable by the parties hereto and their respective successors
            and permitted assigns. Neither Party may assign this Agreement,
            either in part or in whole, without the prior written consent of the
            other party.

      21.   Public Announcements. Except as otherwise permitted in Section 15,
            any public announcement, press release or similar publicity with
            respect to this Agreement will be issued, if at all, at such time
            and in such manner as the parties may mutually determine. Seller and
            Buyer will consult with each other concerning the means by which
            Seller's employees, customers, suppliers and others having dealings
            with Seller will be informed of the Transaction contemplated by this
            Agreement, and Buyer will have the right to be present for any such
            communication.

      22.   Cumulative Remedies. The rights and remedies available to any of the
            parties under this Agreement shall be deemed to be in addition to,
            and not in lieu of, any other rights and remedies available in law
            or equity.

      23.   Waiver. The waiver by either party to this Agreement of any breach
            of any provision of this Agreement shall not constitute a continuing
            waiver or a waiver of any breach of any other provision of this
            Agreement.

      24.   Severability. Any Section, SubSection or other subdivision of this
            Agreement or any other provision of this Agreement which is, or
            becomes, illegal, invalid or unenforceable in any situation in any
            jurisdiction, as determined in accordance with Section 16, shall not
            affect the validity or enforceability of the remaining terms and
            provisions hereof or the validity or enforceability of the offending
            term or provision in any other situation or in any other
            jurisdiction. In the event that any provision of this Agreement is
            determined in accordance with Section 16 to be invalid or
            unenforceable under applicable Law in any respect, each party

                                      -49-
<PAGE>

            hereto intends that such provision will be construed by modifying or
            limiting it so as to be valid and enforceable to the maximum extent
            compatible with, and possible under, applicable Law.

      25.   Governing Law. This Agreement shall be governed in all respects
            including its validity, construction, interpretation, breach,
            performance and termination by the Laws of the State of New York and
            any applicable federal Laws of the United States of America.

      26.   Captions. Section captions used herein are for reference purposes
            only and shall not in any way affect the meaning or interpretation
            of this Agreement.

      27.   Counterparts. This Agreement may be executed in two or more
            counterparts, each of which shall be deemed on original, but all of
            which taken together shall constitute one Agreement.

      28.   Entire Agreement; Amendment. This Agreement, together with the
            Disclosure Schedule, the Buyer's Disclosure Schedule and other
            Schedules and Exhibits attached hereto, supersedes all other
            agreements and understandings between the parties, either oral or
            written, constitutes the entire agreement of the parties with
            respect to the subject matter hereof, and may be amended only by an
            instrument in writing executed by all of the parties hereto.

      29.   Consents to Assignments. Nothing in this Agreement or the documents
            to be executed and delivered at the Closing shall be deemed to
            constitute an assignment or an attempt to assign any Permit,
            Contract or other agreement to which Seller is a party, if the
            attempted assignment thereof without the consent of the other party
            to such Permit, Contract or other agreement would constitute a
            breach thereof or affect in any way the rights of Seller thereunder.

      30.   Expenses. Except as provided in Section 8(D), each of the parties
            shall pay its expenses and costs incurred or to be incurred by it in
            negotiating, closing, and carrying out this Agreement, including,
            without limitation, all legal and accounting fees.

      31.   Definitions. As used herein, the following capitalized terms have
            the following meanings:

                  (A)   "AAA" has the meaning ascribed thereto in Section 16.

                  (B)   "AAA Rules" has the meaning ascribed thereto in Section
                        16.

                  (C)   "Accounts Receivable" has the meaning ascribed thereto
                        in Section 1(K).

                  (D)   "Affiliate" has the meaning ascribed thereto in the
                        Canada Business Corporations Act.

                  (E)   "Ancillary Agreements" means the Assignment and
                        Assumption Agreement, the Bill of Sale, the Key Person
                        Agreements and the

                                      -50-
<PAGE>

                        Officer Agreements.

                  (F)   "Anti-Trust Authorities" has the meaning ascribed
                        thereto in Section 11(L).

                  (G)   "Arbitrator" has the meaning ascribed thereto in Section
                        16.

                  (H)   "Assignment and Assumption Agreement" means an
                        assignment and assumption agreement relating to the
                        assumption of the Assumed Liabilities by Buyer, in form
                        and substance satisfactory to the parties, acting
                        reasonably,

                  (I)   "Assumed Net Asset Value" has the meaning ascribed
                        thereto in Section 5(A).

                  (J)   "Basket" has the meaning ascribed thereto in Section
                        10(C)(i).

                  (K)   "Bill of Sale" means a bill of sale relating to the
                        transfer of the Purchased Assets, in form and substance
                        satisfactory to the parties, acting reasonably,

                  (L)   "Break Fee" has the meaning ascribed thereto in Section
                        14(C).

                  (M)   "Business" has the meaning ascribed thereto in Recital
                        A.

                  (N)   "Buyers Contact" has the meaning ascribed thereto in
                        Section 15(B).

                  (O)   "Buyer's Disclosure Schedule" has the meaning ascribed
                        thereto in Section 7(A).

                  (P)   "Cap" has the meaning ascribed thereto in Section
                        10(C)(ii).

                  (Q)   "Closing" means the delivery, by Seller to Buyer of the
                        Purchased Assets, the execution of the Assignment and
                        Assumption Agreement and the payment by Buyer to Seller
                        of the Purchase Price.

                  (R)   "Closing Balance Sheet" has the meaning ascribed thereto
                        in Section 5(A)

                  (S)   "Closing Date" has the meaning ascribed thereto in
                        Section 13.

                  (T)   "COBRA" has the meaning ascribed thereto in Section
                        6(U).

                  (U)   "Code" means the Internal Revenue Code of 1986, as
                        amended and the rules and regulations adopted
                        thereunder.

                  (V)   "Confidential Information" has the meaning ascribed
                        thereto in Section 15(A).

                                      -51-
<PAGE>

                  (W)   "Contract" or "Contracts" has the meaning ascribed
                        thereto in Section 1(F).

                  (X)   "Customer Contracts" has the meaning ascribed thereto in
                        Section 1(A).

                  (Y)   "Damages" has the meaning ascribed thereto in Section
                        10(A).

                  (Z)   "Disclosing Party" has the meaning ascribed thereto in
                        Section 15(A).

                  (AA)  "Disclosure Schedule" has the meaning ascribed thereto
                        in Section 6(A).

                  (BB)  "Eligible Employees" has the meaning ascribed thereto in
                        Section 9(B)(i).

                  (CC)  "Employee Benefit Plans" has the meaning ascribed
                        thereto in Section 6(U).

                  (DD)  "Encumbrances" has the meaning ascribed thereto in
                        Section 6(F).

                  (EE)  "Environmental, Health and Safety Requirements" has the
                        meaning ascribed thereto in Section 6(S).

                  (FF)  "Equipment" has the meaning ascribed thereto in Section
                        1(I).

                  (GG)  "ERISA" means the Employee Retirement Income Security
                        Act of 1974, as amended and the rules and regulations
                        adopted pursuant thereto.

                  (HH)  "Excluded Assets" has the meaning ascribed thereto in
                        Section 2.

                  (II)  "Excluded Intellectual Property" means the Intellectual
                        Property listed in Section 31(II) of the Disclosure
                        Schedule.

                  (JJ)  "Excluded Liabilities" has the meaning ascribed thereto
                        in Section 10(A)(i).

                  (KK)  "Exclusivity Agreement" has the meaning ascribed thereto
                        in Section 8(E).

                  (LL)  "Employee Benefit Plans" has the meaning ascribed
                        thereto in Section 6(W).

                  (MM)  "Fiduciary Transaction" has the meaning ascribed thereto
                        in Section 8(E).

                  (NN)  "Governmental Authority" means any federal, state, local
                        or foreign government or governmental regulatory body
                        and any of

                                      -52-
<PAGE>

                        their respective subdivisions, agencies,
                        instrumentalities, authorities, courts or tribunals.

                  (OO)  "Indemnified Party" has the meaning ascribed thereto in
                        Section 10(E).

                  (PP)  "Indemnifying Party" has the meaning ascribed thereto in
                        Section 10(E).

                  (QQ)  "Intellectual Property" means all:

                        (i)   information, including the whole or any portion or
                              phase of any scientific or technical information,
                              design, process, procedure, formula, pattern,
                              compilation, program, device, method, technique,
                              or improvement, or any business information or
                              plans, financial information, or listing of names,
                              addresses, or telephone numbers, that satisfies
                              both of the following: (1) it derives independent
                              economic value, actual or potential, from not
                              being generally known to, and not being readily
                              ascertainable by proper means by, other persons
                              who can obtain economic value from its disclosure
                              or use, or (2) it is the subject of efforts that
                              are reasonable under the circumstances to maintain
                              its secrecy ("Trade Secrets");

                        (ii)  patents, patent applications and like protections
                              including without limitation provisionals,
                              divisions, continuations, renewals, reissues,
                              extensions, continuations-in-part of the same and
                              patentable inventions and/or improvements thereto
                              ("Patents");

                        (iii) trade-marks, service marks, brands designs, trade
                              names whether registered or not, applications to
                              register and registrations of the same, and the
                              entire goodwill of the business of Seller
                              connected with and symbolized by such rights
                              ("Trade-marks");

                        (iv)  copyrights and registrations and applications
                              therefor in each work or authorship and derivative
                              work thereof, whether published un unpublished
                              ("Copyright");

                        (v)   domain names, web addresses and Internet locators
                              ("Domain Names");

                        (vi)  computer software, hardware and databases,
                              including source code and object code for Seller's
                              U-Scan product and documentation corresponding
                              thereto and any software and source code necessary
                              to support the U-Scan and all firmware,
                              development tools, compilers' notes, enhancements,
                              version releases and updates thereto; and
                              improvements to any of the foregoing; and
                              technology used in the Business and not embodied
                              in any of the foregoing ("Technology"); and

                                      -53-
<PAGE>

                        (vii) but excluding the Excluded Intellectual Property.

                  (RR)  "Inventory" has the meaning ascribed thereto in Section
                        1(D).

                  (SS)  "Inventory Audit" has the meaning ascribed thereto in
                        Section 5(B).

                  (TT)  "Key Employees" means the individuals listed in Section
                        31(TT) of the Disclosure Schedule.

                  (UU)  "Key Person Agreements" has the meaning ascribed thereto
                        in Section 11(H).

                  (VV)  "Knowledge" means, in the case of Seller, information
                        each of the officers of Optimal Corp. listed in Section
                        31(VV) of the Disclosure Schedule knew or should have
                        known, after due inquiry within Seller by such
                        individuals, and in the case of Buyer, information each
                        of the individuals listed in Section 31(VV) of Buyer's
                        Disclosure Schedule knew or should have known, after due
                        inquiry within Buyer by such individuals.

                  (WW)  "Law" means any federal, state, local or foreign law,
                        ordinance, order, rule, regulation, license or permit,
                        and any order, writ, judgment, award, injunction, or
                        decree of any court or arbitrator or any Governmental
                        Authority having the force of law.

                  (XX)  "Material", "Materially" or "Material Adverse Effect"
                        means an event or occurrence, the impact of which
                        exceeds U.S. Twenty-five Thousand Dollars (U.S.$25,000)
                        or a series of events or occurrences, the impact of
                        which exceeds in the aggregate U.S. Two Hundred Fifty
                        Thousand Dollars (U.S.$250,000).

                  (YY)  "Net Asset Value" has the meaning ascribed thereto in
                        Section 5(A).

                  (ZZ)  "Notice of Dispute" has the meaning ascribed thereto in
                        Section 16.

                  (AAA) "Officer Agreement" means an agreement in the form
                        annexed hereto as Exhibit 31(AAA).

                  (BBB) "Optimal Board" has the meaning ascribed thereto in
                        Section 8(E).

                  (CCC) "Permits" has the meaning ascribed thereto in Section
                        1(G).

                  (DDD) "Permitted Encumbrances" means:

                        (i)   encumbrances of mechanics, labourers, workmen,
                              builders, contractors, suppliers of material or
                              architects or other similar encumbrances
                              incidental to construction, maintenance or repair
                              operations which have either been registered or
                              filed pursuant to Laws against the Business or not
                              yet registered or filed and which, in any such
                              case, relate to obligations not due and payable as
                              at the

                                      -54-
<PAGE>

                              Closing Date;

                        (ii)  statutory encumbrances relating to obligations not
                              due and payable as at the Closing Date;

                        (iii) encumbrances for Taxes, assessments, charges of
                              Governmental Authorities or levies not due and
                              payable as at the Closing Date;

                        (iv)  encumbrances for public utilities not due and
                              payable as at the Closing Date;

                        (v)   rights of equipment lessors under equipment leases
                              included in the Contacts provided however that
                              such rights shall be a Permitted Encumbrances only
                              if the terms of such equipment letters have been
                              complied with in all material respects through the
                              Closing Date;

                        (vi)  financing statements evidencing the rights of
                              equipment lessors under equipment leases included
                              in the Contracts in and to the equipment or
                              vehicles which are subject of such Contracts
                              provided that such financing statements shall be
                              Permitted Encumbrances only if the terms of such
                              equipment leases have been complied with in all
                              Material respects through the Closing Date; and

                        (vii) any privilege in favour of any lessor, licensor or
                              permitter for rent to become due or for other
                              obligations or acts, the performance of which is
                              required under Contracts so long as the payment of
                              or the performance of such other obligation or act
                              is not delinquent and provided that such
                              Encumbrances or privileges do not adversely affect
                              the use or value of the assets affected thereby.

                  (EEE) "Person" means any individual, corporation, partnership,
                        joint venture, association, limited liability company,
                        joint stock company, trust, or unincorporated
                        association, or any Governmental Authority, officer,
                        department, commission, board, bureau or instrumentality
                        thereof.

                  (FFF) "Proxy Material" has the meaning ascribed thereto in
                        Section 8(F)(iii)

                  (GGG) "Purchase Price" has the meaning ascribed thereto in
                        Section 4(A).

                  (HHH) "Purchased Assets" has the meaning ascribed thereto in
                        Section 1.

                  (III) "Real Property" has the meaning ascribed thereto in
                        Section 6(K).

                  (JJJ) "Receiving Party" has the meaning ascribed thereto in
                        Section 15(A).

                                      -55-
<PAGE>

                  (KKK) "Restricted Area" has the meaning ascribed thereto in
                        Section 9(E).

                  (LLL) "Rights" has the meaning ascribed thereto in Section
                        18(A).

                  (MMM) "Sellers Contact" has the meaning ascribed thereto in
                        Section 15(B).

                  (NNN) "Sellers Representatives" has the meaning ascribed
                        thereto in Section 8(E).

                  (OOO) "Seller Shareholders" has the meaning ascribed thereto
                        in Section 8(F).

                  (PPP) "Shareholders' Meeting" has the meaning ascribed thereto
                        in Section 8(F).

                  (QQQ) "Special Action" has the meaning ascribed thereto in
                        Section 16;

                  (RRR) "Survival Period" has the meaning ascribed thereto in
                        Section 10(D).

                  (SSS) "Tax Returns" means all returns, reports, declarations,
                        elections notices, filings, forms, statements and other
                        documents (whether in tangible, electronic or other
                        form) and including any amendments, schedules,
                        attachments, supplements, appendices and exhibits
                        thereto, made, prepared, filed or required to be made,
                        prepared or filed by Law in respect of Taxes.

                  (TTT) "Taxes" means any taxes, duties, fees, premiums,
                        assessments, imposts, levies and other similar charges
                        imposed by any Governmental Authority under applicable
                        Law, including all interest, penalties, fines, additions
                        to tax or other additional amounts imposed by any
                        Governmental Authority in respect thereof, and including
                        those levied on, or measured by, or referred to as,
                        income, gross receipts, profits, capital, transfer, land
                        transfer, sales, goods and services, harmonized sales,
                        use, value-added, excise, stamp, withholding, business,
                        franchising, property, development, occupancy, employer
                        health, payroll, employment, health, social services,
                        education and social security taxes, all surtaxes, all
                        customs duties and import and export taxes, countervail
                        and anti-dumping, all licence, franchise and
                        registration fees and all employment insurance, health
                        insurance and Canada, Quebec and other government
                        pension plan premiums or contributions, and any such
                        Taxes individually is a "Tax".

                  (UUU) "Telephone, Fax and E-Mail" has the meaning ascribed
                        thereto in Section 1(J).

                  (VVV) "Third Party Claim" has the meaning ascribed thereto in

                                      -56-
<PAGE>

                        Section 10(G).

                  (WWW) "Third Party Licences" has the meaning ascribed thereto
                        in Section 1(C).

                  (XXX) "Transaction" has the meaning ascribed thereto in
                        Section 3.

                  (YYY) "Transferred Leases" has the meaning ascribed thereto in
                        Section 1(E).

                  (ZZZ) "Unaudited Financial Statements" has the meaning
                        ascribed thereto in Section 6(D).

                 (AAAA) "U-Scan Software" has the meaning ascribed thereto in
                        Section 6(I)(ii).

                 (BBBB) "Vendor Contracts" has the meaning ascribed thereto in
                        Section 1(B).

      IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of
the Effective Date.

NCR CORPORATION                               OPTIMAL ROBOTICS CORP.

By:    /s/ Lee Schram                         By:   /s/ Neil S. Wechsler
       --------------------------                   ----------------------------
       (Signature)                                  (Signature)

Name:  Lee Schram                             Name:  Neil S. Wechsler
       --------------------------                    ---------------------------
       (Please print)                                (Please print)

Title: SVP - RSD                              Title: Co-Chairman and CEO
       --------------------------                    ---------------------------

NCR LIMITED (UK)                              OPTIMAL ROBOTICS INC.

By:    /s/ Yogendra Patel                     By:    /s/ Henry M. Karp
       --------------------------                    ---------------------------
       (Signature)                                   (Signature)

Name:  Yogendra Patel                         Name:  Henry M. Karp
       --------------------------                    ---------------------------
       (Please print)                                (Please print)

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

                                      -57-
<PAGE>

NCR CANADA LTD.                               OPTIMAL ROBOTICS PLC.

By:    /s/ Nelson F. Greene                   By:    /s/ Holden L. Ostrin
       --------------------------                    ---------------------------
       (Signature)                                   (Signature)

Name:  Nelson F. Greene                       Name:  Holden L. Ostrin
       --------------------------                    ---------------------------
       (Please print)                                (Please print)

Title: Assistant Secretary                    Title:  Chairman
       --------------------------                    ---------------------------

                                      -58-

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