Document:

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EXHIBIT 4.4

                                    AGREEMENT

         This Agreement (the "Agreement") is entered into effective July 1,
1996, by and between Precis Smart Card Systems, Inc., an Oklahoma corporation
(the "Company"), and [NAME OF EMPLOYEE] ("Employee").

         a. The Company employs Employee as its [EMPLOYMENT POSITION] office
manager. In consideration of Employee's past performance and as an inducement to
continued performance, the Company hereby desires to offer certain incentives in
the form of stock and options to Employee.

         In consideration of the premises and the parties' mutual obligations
herein, the parties agree as follows:

         1. OPTIONS. The Company hereby grants to Employee options to purchase
shares of the Company's common stock, par value $.01 per share (the "Common
Stock"), and options to purchase options for shares of Common Stock under terms
and conditions as follows:

                  1.1 Effective immediately, Employee shall have options to
purchase up [NUMBER OF SHARES] shares of Common Stock at a purchase price of
$2.00 per share.

                  1.2 On and after such date as the Company has recognized
aggregate gross revenues in excess of $100,000.00, Employee shall receive
options to purchase up to [NUMBER OF SHARES] additional shares of Common Stock
at purchase price of $2.00 per share. For purposes of this Agreement, aggregate
gross revenues shall be recognized in accordance with generally accepted
accounting principles.

                  1.3 On and after such date as the Company has recognized
aggregate gross revenues in excess of $1,000,000.00, Employee shall receive
options to purchase up to [NUMBER OF SHARES] additional shares of Common Stock
at a purchase price of $2.00 per share.

                  1.4 Any unexercised options granted or purchased pursuant to
Subsections 1.1 - 1.3 shall automatically expire upon ten (10) years after the
effective date of this Agreement.

         2. NO PROMISE OF CONTINUED EMPLOYMENT. This Agreement does not create
a promise by the Company of continued employment of Employee. Employee
acknowledges that Employee's employment by the Company is "at will."

         3. TERMINATION. This Agreement shall terminate at the earlier of (i)
termination of Employee's employment with the Company, or (ii) ten (10) years
after the effective date of this Agreement; provided, however, that the term of
any unexercised options granted shall be governed by Section 1.4, without regard
to the date of termination of this Agreement.

         4. CONFIDENTIALITY. Employee will regard and preserve as confidential
all trade secrets and information pertaining to the Company's business that have
been or may be obtained by Employee by reason of Employee's employment by the
Company. Employee will not, without written authority from the Company to do so,
use for Employee's own benefit or purpose, nor disclose to others, nor take or
retain or copy any of the Company's documents during Employee's employment or
thereafter, except as required in Employee's employment with the Company or as
otherwise may be required by law. The terms of this Section 4 shall not apply to
any portion of the trade secrets or confidential information of the Company
which becomes generally available to the public absent any breach of this
Agreement, was available on a nonconfidential basis to Employee prior to its
disclosure pursuant to Employee's employment by the Company or becomes available
on a nonconfidential basis from a third party who to the knowledge of Employee
is not bound to keep such information confidential. The obligations of Employee
pursuant to this Section shall survive the termination of this Agreement.

         5. AMENDMENTS. This Agreement may not be amended except by an
instrument in writing signed by the Company and Employee and approved by the
Company's board of directors.

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         6. NO WAIVER. No waiver of a breach of any provision of this Agreement
shall be construed to be a waiver of any breach of any other provision. No delay
in acting with regard to any breach of any provision of this agreement shall be
construed as a waiver of such breach.

         7. ARBITRATION. Any claim, controversy or dispute arising out of or
relating to this Agreement, except as set forth herein, shall be settled by
arbitration in Oklahoma City, Oklahoma, in accordance with the rules for
arbitration of the American Arbitration Association. Any arbitration shall be
undertaken pursuant to the Federal Arbitration Act, where possible, and the
decision of the arbitration shall be final, binding, and enforceable in any
court of competent jurisdiction. The parties will bear their own attorneys' and
experts' fees. In resolving all disputes between the parties, the arbitrators
will apply the laws of the State of Oklahoma. Except as needed for presentation
in lieu of a live appearance, depositions will not be taken. The parties will be
entitled to conduct document discovery by requesting production of documents.
Any party may be entitled to pursue such remedies for emergency or preliminary
injunctive relief in any court of competent jurisdiction, provided that each
party agrees that it will consent to the stay of such judicial proceedings on
the merits of both this Agreement and the related transactions pending
arbitration of all underlying claims between the parties immediately following
the issuance of any such emergency or injunctive relief.

         8. ENTIRE AGREEMENT. Employee acknowledges receipt of a copy of this
Agreement and agrees that with respect to the subject matter hereof, it is
Employee's entire understanding and agreement with the Company regarding its
subject matter, superseding any and all previous oral and written agreements
regarding the subject matter hereof.

         9. GOVERNING LAW. This Agreement shall be governed by and construed in
accordance with the laws of the State of Oklahoma.

         EXECUTED as of the date first above written.

                                                PRECIS SMART CARD SYSTEMS, INC.
                                                By: /s/ JIM LOUT
                                                Jim Lout, President

                                                [SIGNATURE OF EMPLOYEE]

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EXHIBIT 4.5

                                    AGREEMENT

         THIS AGREEMENT is made this 22nd day of December, 1998, between Precis
Smart Card Systems, Inc., an Oklahoma corporation (the "Company"), and the
undersigned employee ("Employee").

         a. The Company and Employee are parties to a certain Agreement dated
July 1, 1996 (the "Stock Option Agreement"), whereby the Company has granted
certain options to Employee to acquire Common Stock of the Company. Capitalized
but undefined terms used herein are defined in the Stock Option Agreement. The
Company has recently caused its Common Stock to be subject to a reverse split.
The Company and Employee hereby desire to acknowledge that the options granted
pursuant to the Stock Option Agreement are modified as a result of the split and
to amend the Stock Option Agreement to specifically provide for antidilution.

         In consideration of the premises and other valuable consideration, the
receipt and adequacy of which are hereby acknowledged, the parties agree as
follows:

         1. AMENDMENT OF STOCK 0PTION AGREEMENT. The Stock Option Agreement is
hereby amended to add a new provision which reads in its entirety as follows:

         ADJUSTMENTS UNDER CHANGES IN CAPITALIZATION. The aggregate number of
share of Common Stock under stock options granted under this Agreement, the
option price and the total number of shares of Common Stock which may be
purchased by Employee on exercise of the stock options shall be appropriately
adjusted or modified by the Board of Directors of the Company to reflect any
recapitalization, stock split, merger, consolidation, reorganization,
combination, liquidation, stock dividend or similar transaction involving the
Company. Provided, any such adjustment shall be made in such a manner as to not
constitute a modification as defined in Section 424(h) of the Internal Revenue
Code of 1986, as amended.

         2. ACKNOWLEDGMENT WITH RESPECT TO 0PTIONS. Employee acknowledges and
agrees that the stock options which have previously vested under the Stock
Option Agreement have been adjusted as a result of the reverse stock split, and
as a result as of the date hereof Employee has options to acquire [NUMBER OF
SHARES] shares of Common Stock at an exercise price of $6.00 per share.

         3. CONTINUING EFFECT. Except as modified hereby, the Stock Option
Agreement remains in effect; provided, however, that the number of options which
may be issued in the future has been adjusted as a result of the reverse stock
split and may be further adjusted upon the occurrence of any of the events
specified in paragraph 1, above.

         DATED as of the date first above written.

COMPANY:                                 PRECIS SMART CARD SYSTEMS, INC.
                                         By /s/ JAMES LOUT
                                             Title President & CEO

EMPLOYEE:                                [EMPLOYEE SIGNATURE]
                                             Name [Name of Employee]

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EXHIBIT 4.6

                       NONQUALIFIED STOCK OPTION AGREEMENT

         THIS NONQUALIFIED STOCK OPTION AGREEMENT ("Agreement"), made as of this
1st day of July, 1997, by and between Tracey Barnes (the "Participant"), and
Precis Smart Card Systems, Inc. (the "Company"):

                                   WITNESSETH:

         WHEREAS, the Participant is an employee of the Company, currently
serving as senior project/marketing manager, and it is important to the Company
that Participant be encouraged to remain an employee of the Company; and

         WHEREAS, in recognition of such facts, the Company desires to provide
to the Participant an opportunity to purchase shares of the common stock of the
Company, as hereinafter provided.

         NOW, THEREFORE, in consideration of the mutual covenants hereinafter
set forth and for good and valuable consideration, the Participant and the
Company hereby agree as follows:

         1. GRANT OF STOCK 0PTION. The Company hereby grants to the Participant
a stock option (the "Stock Option") to purchase all or any part of an aggregate
of Two Thousand Five Hundred (2,500) shares of its Common Stock, par value $.01,
(the "Stock") as set forth below, under and subject to the terms and conditions
of this Option Agreement. The purchase price for each share to be purchased
hereunder shall be Two Dollars and No/100 ($2.00) (the "Option Price").

         2. TIMES OF EXERCISE. After, and only after, the conditions of Section
8 hereof have been satisfied, the Participant shall be eligible to exercise that
portion of her Stock Option pursuant to the schedule set forth hereinafter. If
Participant remains an employee of the Company at all times prior to any of the
"Exercise Dates" specified hereafter, then Participant shall be entitled,
subject to the applicable provisions of this Option Agreement having been
satisfied, to exercise on or after the applicable Exercise Date, on a cumulative
basis, here Stock Option to acquire the number of shares of stock determined by
multiplying the aggregate number of shares set forth in the foregoing Section 1
by the designated percentage set forth hereafter.

                                                             Percent of Stock
Exercise Dates                                             Option Exercisable
--------------                                             ------------------

July 1, 1997                                                        50%
January 1, 1998                                                     100%

         3. TERM OF STOCK OPTION. The Stock Option shall be exercisable no more
than ten (10) years from the date hereof (the "Option Period").

         4. NONTRANSFERABILITY OF STOCK OPTIONS'. Except as otherwise herein
provided, any Stock Option granted shall not be transferable otherwise than by
will or the laws of descent and distribution, and the Stock Option may be
exercised only by her. More particularly (but without limiting the generality of
the foregoing), the Stock Option may be assigned, transferred (except as
provided above), pledged or hypothecated in any way, shall not be assignable by
operation of law and shall not be subject to execution, attachment, or similar
process. Any attempted assignment, transfer, pledge, or hypothecation or other
disposition of the Stock Option contrary to the provisions hereof shall be null
and void and without effect.

         5. SPECIAL RULES WITH RESPECT TO STOCK OPTIONS. With respect to the
Stock Option granted hereunder, the following special rules shall apply:

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                  (a) ASSUMPTION OF OUTSTANDING STOCK OPTIONS. To the extent
permitted by the applicable provisions of the Internal Revenue Code of 1986 (the
"Code"), as amended, any successor to the Company succeeding to, or assigned the
business of, the Company as the result of or in connection with a corporate
merger, consolidation, combination, reorganization or liquidation transaction
shall assume Stock Options outstanding under this Option Agreement or issue new
Stock Options in place of such outstanding Stock Options. Provided, such
assumption of outstanding Stock Options is to be made on a fair and equivalent
basis in accordance with the applicable provisions of Section 424(a) of the
Code; provided, further, in no event will such assumption result in a
modification of any Stock Option as defined in Section 424(h) of the Code.

                  (b) ADJUSTMENTS UNDER CHANGES IN CAPITALIZATION. The aggregate
number of shares of Stock under Stock Options granted under this Option
Agreement granted under this Option Agreement, the Option Price and the total
number of shares of Stock which may be purchased by a Participant on exercise of
the Stock Option shall be appropriately adjusted or modified by the Board of
Directors to reflect any recapitalization, stock split, merger, consolidation,
reorganization, combination, liquidation, stock dividend or similar transaction
involving the Company. Provided, any such adjustment shall be made in such a
manner as to not constitute a modification as defined in Section 424(h) of the
Code.

         6. METHOD OF EXERCISING STOCK OPTION.

                  (a) PROCEDURES FOR EXERCISE. The manner of exercising the
Stock Option herein granted shall be by written notice to the Secretary of the
Company prior to the date the Stock Option, or part thereof, is to be exercised,
and in any event prior to the expiration of the Option Period. Such notice shall
state the election to exercise the Stock Option and the number of shares of
Stock with respect to that portion of the Stock Option being exercised, and
shall be signed by the person or persons so exercising the Stock Option.

                  (b) FORM OF PAYMENT. Payment for shares of Stock purchased
under this Option Agreement shall be made in full and in cash or by check, Stock
of the Company or a combination thereof, at the time of exercise of the Stock
Options as a condition thereof, and no loan or advance shall be made by the
Company for the purpose of financing, in whole or in part, the purchase of
Stock. In the event that common stock of the Company is utilized as
consideration for the purchase of Stock upon the exercise of a Stock Option,
then, such common stock shall be valued at "fair market value." In addition to
the foregoing procedure which may be available for the exercise of any Stock
Option, the Participant may deliver to the Company a notice of exercise
including an irrevocable instruction to the Company to deliver the stock
certificate issued in the name of the Participant representing the shares
subject to a Stock Option to a broker authorized to trade in the common stock of
the Company. Upon receipt of such notice, the Company will acknowledge receipt
of the executed notice of exercise and forward this notice to the broker. Upon
receipt of the copy of the notice which has been acknowledge by the Company, and
without waiting for issuance of the actual stock certificate with respect to the
exercise of the Option, the broker may sell the Stock or any portion thereof.
Upon receipt of the notice to exercise from the Company, the broker will deliver
directly to the Company a portion of the sales proceeds to cover the Option
Price and any withholding taxes, if any. Further, the broker may also facilitate
a loan to the Participant upon receipt of the notice of exercise in advance of
the issuance of the actual stock certificate as an alternative means of
financing and facilitating the exercise of any Stock Option. For all purposes of
effecting the exercise of a Stock Option, the date on which the Participant
gives the notice of exercise to the Company will be the date he becomes
contractually to take and pay for the shares of Stock underlying the Stock
Option. The Committee may also adopt such other procedures which it desires for
the payment of the purchase price upon the exercise of a Stock Option which are
not inconsistent with the applicable provisions of the Code which relate to
Stock Options.

                  (c) PAYMENT OF WITHHOLDING TAXES. No exercise of any Stock
Option shall be permitted nor shall any Stock be issued to the Participant until
the Company receives full payment for the Stock purchased which shall include
any required state and federal withholding taxes. Further, upon the exercise of
any Stock Option, the Participant may direct the Company to retain from the
shares of Stock to be issued upon exercise of the Stock Option that number of
initial shares of Stock (based on fair market value) that would be necessary to
satisfy the requirements for withholding any amounts of taxes due upon the
exercise of such Stock Option.

         7. ACCELERATION OF STOCK OPTIONS UPON CHANGE OF CONTROL. In the event
that a Change of Control or acquisition (as defined herein) has occurred with
respect to the Company, any and all Stock

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Options become automatically fully vested and immediately exercisable with such
acceleration to occur without the requirement of any further act by either the
company or the Participant. For purposes of this Section 7, the term "Change of
Control" shall mean the acquisition in a transaction or a series of transaction
by any person, entity or "group," within the meaning of Section 13(d)(3) or
14(d)(2) of the Securities Exchange Act of 1934 (the "Exchange Act"), of
beneficial ownership, of 50% or more of either the then outstanding shares of
common stock or the combined voting power of the Company's then outstanding
voting securities; provided, however, that any acquisition of beneficial
ownership of common stock or voting securities of the Company which is less than
50% of either the then outstanding shares of common stock or combined voting
power of the Company's then outstanding voting securities shall be deemed to be
a "Change of Control" for the purposes of this Agreement if a majority of the
incumbent members of the Board of Directors immediately prior to the Change of
Control Determines that such acquisition has caused a Change of Control to
occur;

         8. SECURITIES LAW RESTRICTIONS. Stock Options shall be exercised and
Stock issued only upon compliance with the Securities Act of 1933, as amended
(the "Act"), and any other applicable securities law, or pursuant to an
exemption therefrom.

         9. SHAREHOLDER RIGHTS. The Participant shall have no rights as a
shareholder with respect to any shares of Stock subject to a Stock Option prior
to the purchase of such shares of Stock by exercise of the Stock Option.

         10. NO PROMISE OF CONTINUED EMPLOYMENT. This Agreement does not create
a promise by the Company of continued employment of the Participant. The
Participant acknowledges that her employment by the Company is "at will."

         11. NOTICES. All notices or other communications relating to the Plan
and this Option Agreement as it relates to the Participant shall be in writing
and shall be mailed (U.S. Mail) by the Company to the Participant at the then
current address as maintained by the Company or such other address as the
Participant may advise the Company in writing.

         IN WITNESS WHEREOF, the Company has caused this Option Agreement to be
duly executed by its officers thereunto duly authorized, and the Participant has
hereunto set her hand, all on the day and year first above written.

                                           PRECIS SMART CARD SYSTEMS, INC.,
                                           an Oklahoma corporation
                                           By: /s/ JAMES LOUT
                                                    James Lout, President
                                                    "COMPANY"

                                           /s/ TRACEY BARNES
                                                    Tracey Barnes, an individual
                                                    "PARTICIPANT

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