Document:

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                                                                   Exhibit 10.18

                              EMPLOYMENT AGREEMENT

         THIS EMPLOYMENT AGREEMENT ("Agreement") is made and entered into
effective as of November 7, 2001 (the "Effective Date"), by and between MICRO
GENERAL CORPORATION, a Delaware corporation (the "Company"), and NANCY POPE
NELSON, a California resident (the "Employee"). This Agreement supersedes
entirely the terms and conditions of any prior employment agreement or
understanding between the parties.

In consideration of the mutual covenants and agreements set forth herein, the
parties hereto agree as follows:

         l. Employment and Duties. Subject to the terms and conditions of this
Agreement, the Company employs the Employee to serve as Chief Operating Officer
or similar executive position of the Company or in such other capacity as the
Board of Directors of the Company ( the "Board") may designate, and the Employee
accepts such employment and agrees to perform reasonable responsibilities and
duties commensurate with aforesaid position, as directed by the Board of the
Company, or as set forth in the Articles of Incorporation or the Bylaws of the
Company.

         2. Term. The term of employment under this Agreement shall be for a
period of three (3) years (the "Term") commencing on the Effective Date, subject
to termination pursuant to Section 4, below.

         3. Compensation.

                  3.1 Annual Salary. During the Term of this Agreement, the
Company shall pay the Employee an annual base salary of Three Hundred Thousands
Dollars ($300,000.00) (the "Base Salary"), payable at the times and in the
manner dictated by the Company's standard payroll policies. Such Base Salary may
be periodically reviewed and increased at the discretion of the Board to
reflect, among other matters, cost of living adjustments and performance
results.

                  3.2. Other Compensation and Benefits. During the Term, as
additional compensation, the Employee shall be entitled to participate in and/or
receive the following:

                  (a)      Annual Bonus. The Employee shall be eligible for an
                           annual bonus.:

                  (b)      Benefits. The Employee shall be entitled to
                           participate in and receive all benefits under any
                           employee benefit plan or program (including, without
                           limitation, medical, dental, disability, and group
                           life), any retirement savings plan or program
                           (including, without limitation, 401(k) and employee
                           stock purchase plan), and such other perquisites of
                           office as the Company may, from time to
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                           time and in its sole discretion, make available to
                           the Company's executives of comparable level, subject
                           to such eligibility provisions as may be in effect
                           from time to time.

         The Company shall deduct from all compensation payable under this
Agreement to the Employee any taxes or withholdings the Company is required to
deduct pursuant to state and federal laws or by mutual agreement between the
parties.

                  3.3. Vacation. For and during each year of the Term, the
Employee shall be entitled to four (4) weeks vacation. In addition, the Employee
shall be entitled to such holidays consistent with the Company's standard
policies or as the Company's Board of Directors may approve.

                  3.4 Expense Reimbursement. In addition to the compensation and
benefits provided herein, the Company shall, upon receipt and approval of
appropriate documentation, reimburse the Employee each month for her reasonable
travel, lodging, entertainment, promotion and other ordinary and necessary
business expenses. The arrangement set forth in this Section 3.4 is intended to
constitute an accountable plan within the meaning of Section 162 of the Code and
the accompanying regulations, and the Employee agrees to comply with all
reasonable guidelines established by the Company from time to time to meet the
requirements of Section 162 of the Code and the accompanying regulations.

         4. Termination.

                  4.1 For Cause. Notwithstanding any other provisions to the
contrary contained herein, the Company may terminate this Agreement immediately
for cause upon written notice to the Employee, in which event the Company shall
be obligated to pay the Employee that portion of the Base Salary due her through
the date of termination. For purposes of this Agreement, "cause" shall mean: (a)
material default or other material breach by Employee of Employee's obligations
hereunder; (b) the willful and habitual failure by Employee to perform the
duties that Employee is required to perform under this Agreement or the
Company's corporate policies, provided such corporate policies have been
previously delivered to the Employee; or (c) misconduct, dishonesty,
insubordination, or other act by Employee that in any way has a direct,
substantial and adverse effect on the Company's reputation or its relationship
with its customers or employees, including, without limitation, (i) use of
alcohol or illegal drugs such as to interfere with the Employee's obligations
hereunder, (ii) conviction of a felony or of any crime involving moral turpitude
or theft, and (iii) material failure by Employee to comply with applicable laws
or governmental regulations pertaining to Employee's employment hereunder.

                  4.2 Without Cause. Notwithstanding any other provisions to the
contrary contained herein, either party may terminate this Agreement immediately
without cause by giving written notice to the other. If the Company terminates
this Agreement under this Section 4.2, it shall pay to the Employee her Base
Salary for a
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period of twelve (12) months following such termination. The amount
payable to the Employee hereunder shall be paid to the Employee in lump sum or
as otherwise directed by the Employee. If the Employee terminates this Agreement
under this Section 4.2, the Company shall only be obligated to pay to the
Employee the Base Salary due her through the date of termination.

                  4.3 Disability. Notwithstanding any other provisions to the
contrary contained herein, if the Employee fails to perform her duties hereunder
on account of illness or other incapacity for a period of six (6) consecutive
months, the Company shall have the right upon written notice to the Employee to
terminate this Agreement without further obligation by paying the Employee the
Base Salary for the remainder of the Term, in a lump sum or as otherwise
directed by the Employee.

                  4.4 Death. Notwithstanding any other provisions to the
contrary contained herein, if the Employee dies during the Term of this
Agreement, this Agreement shall terminate immediately, and the Employee's legal
representatives or designated beneficiary shall be entitled to receive the Base
Salary to the date of the Employee's death in a lump sum or as otherwise
directed by the Employee's legal representatives or designated beneficiary,
whichever the case may be.

                  4.5 Termination by Company Following Change of Control.
Notwithstanding any other provisions to the contrary contained herein, in the
event the Employee's employment is terminated under this Agreement by the
Company or its Successor (as defined below) following a Change of Control of the
Company (as defined below) for reasons other than "for cause" (as such term is
defined in Section 4.1 herein) or other than as a consequence of the Employee's
death or disability (as described in Section 4.3 herein), the Company agrees to
provide or cause to be provided to the Employee the same compensation as would
be payable to the Employee had such termination been a termination by the
Company without cause under Section 4.2 of this Agreement. As used herein, a
"Change of Control" of the Company shall mean the acquisition by a "Successor,"
whether directly or indirectly, by purchase, merger, consolidation or otherwise,
of all or substantially all of the common stock, business and/or assets of the
Company. In the event of a Change of Control of the Company, the Company shall
require any Successor to assume and agree to perform this Agreement in the same
manner and to the same extent that the Company would be required to perform it
if the Change of Control had not occurred. Upon the assumption of this Agreement
by the Successor, and its agreement to perform the duties and obligations of the
Company hereunder, the Company shall be released from any further liability
under this Agreement.

                  4.6 Effect of Termination. Termination for any cause or
without cause shall not constitute a waiver of the Company's rights under this
Agreement as specified in Section 6 nor a release of the Employee from any
obligation hereunder except her obligation to perform his day-to-day duties as
an employee.
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         5. Non-Delegation of Employee's Rights. The obligations, rights and
benefits of the Employee hereunder are personal and may not be assigned or
transferred in any manner whatsoever, nor are such obligations, rights or
benefits subject to involuntary alienation, assignment or transfer.

         6. Covenants of Employee.

                  6.1 Confidentiality. The Employee acknowledges that in her
capacity as an employee of the Company she will occupy a position of trust and
confidence, and she further acknowledges that she will have access to and learn
substantial information about the Company and its operations that is
confidential or not generally known in the industry including, without
limitation, information that relates to purchasing, sales, customers, marketing,
the Company's financial position and financing arrangements. The Employee agrees
that all such information is proprietary or confidential or constitutes trade
secrets and is the sole property of the Company. Accordingly, during the
Employee's employment by the Company and for a period of two (2) years
thereafter, the Employee will keep confidential, and will not without the
Company's permission reproduce, copy or disclose to any other person or firm,
any such information or any documents or information relating to the Company's
methods, processes, customers, accounts, analyses, systems, charts, programs,
procedures, correspondence, or records, or any other documents used or owned by
the Company, nor will the Employee advise, discuss with or in any way assist any
other person or firm in obtaining or learning about any of the items described
in this section, either alone or with others, outside the scope of her duties
and responsibilities with the Company unless otherwise required by law or court
ordered subpoena.

                  6.2 Competitive Activities During Employment The Employee
agrees that during her employment by the Company, she will devote substantially
all her business time and effort to and give undivided loyalty to the Company.
The Employee will not, during her employment by the Company, engage in any way
whatsoever, directly or indirectly, in any business that is competitive with the
Company, nor solicit, or in any other manner work for or assist any business
which is competitive with the Company. During her employment by the Company, the
Employee will undertake no planning for or organization of any business activity
competitive with the work he performs as an employee of the Company, and the
Employee will not, during her employment by the Company, combine or conspire
with any other employee of the Company or any other person for the purpose of
organizing any such competitive business activity.

                  6.3 Non-Competition After Employment. For a period of one (1)
year from and after the expiration or earlier termination of this Agreement, the
Employee will not, for any reason whatsoever, directly or indirectly, for the
Employee or on behalf of or in conjunction with any other person, persons,
company, partnership, corporation or business of whatever nature:

                           (a) engage as an officer, director, stockholder,
owner, partner, joint venturer, or in a managerial capacity, whether as an
employee, independent
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contractor, consultant or advisor, or as a sales representative, in any business
selling any products or services in direct competition with the current business
or any related business of the Company, or any business to which it is
reasonably foreseeable that the Company will enter, within 100 miles of where
the Company anywhere conducts such business (the "Territory");

                           (b) call upon any person who is, at that time, within
the Territory, an employee of the Company in a managerial capacity for the
purpose or with the intent of enticing such employee away from or out of the
employ of the Company;

                           (c) call upon any person or entity which is, at that
time, or which has been within one (1) year prior to that time, a customer of
the Company within the Territory for the purpose of soliciting or selling
products or services in competition with the Company within the Territory; or

                           (d) call upon any prospective acquisition candidate,
on the Employees own behalf or on behalf of any competitor, which candidate was
either called upon by the Company or for which the Company made an acquisition
analysis, for any purpose other than providing products or services of the
Company.

Notwithstanding the above, the foregoing covenant shall not be deemed to
prohibit the Employee from acquiring as an investment not more than one percent
(1%) of the capital stock of a competing business whose stock is traded on a
national securities exchange or over-the-counter.

The Employee expressly agrees that the foregoing covenants impose a reasonable
restraint on the Employee in light of the activities and business of the Company
on the date of the execution of this Agreement and the current plans of the
Company; but it is also the intent of the Company and the Employee that such
covenants be construed and enforced in accordance with the changing activities
and business of the Company throughout the term of the covenants. The covenants
in this Section 6.3 are severable and separate, and the unenforceability of any
specific covenant shall not affect the provisions of any other covenant.
Moreover, in the event any court of competent jurisdiction shall determine that
the scope, time or territorial restrictions set forth are unreasonable, then it
is the intention of the parties that such restrictions be enforced to the
fullest extent which the court deems reasonable, and this Section 6.3 shall
thereby be reformed. All of the covenants in this Section 6.3 shall be construed
as an agreement independent of any other provision of this Agreement, and the
existence of any claim or cause of action by the Employee against the Company,
whether predicated on this Agreement or otherwise, shall not constitute a
defense to the enforcement by the Company of such covenants. The Employee
specifically agrees that the period of one (1) year stated at the beginning of
this Section 6.3 shall be computed by adding to such one (1) year period any
time during which the Employee is found by a court of competent jurisdiction to
have been in violation of any provision of this Section 6.3. The Employee
expressly agrees that the covenants set forth in this Section 6.3 are a material
and substantial part of this
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Agreement and the Agreement and Plan of Reorganization of which this Agreement
is an Exhibit.

                  6.4 Remedy for Breach. The Employee acknowledges that the
Company may be irrevocably damaged if all of the provisions of this Section 6
are not specifically enforced. Accordingly, the Employee agrees that, in
addition to any other relief to which the Company may be entitled, the Company
will be entitled to seek and obtain injunctive relief without bond from a court
of competent jurisdiction for the purpose of restraining the Employee from any
actual or threatened breach of this Section 6. The Employee's obligations under
this Section 6 shall survive the Employee's termination of employment with the
Company for the periods of time specified in this Section 6.

         7. Return of Company Documents. Upon termination of this Agreement, the
Employee shall return immediately to the Company all records and documents of or
pertaining to the Company and shall not make or retain any copy or extract of
any such record or document.

         8. Improvements and Inventions. Any and all improvements or inventions
which the Employee may conceive, make or participate in during the period of her
employment shall be the sole and exclusive property of the Company. The Employee
will, whenever requested by the Company during the period of her employment,
execute and deliver any and all documents which the Company shall deem
appropriate in order to apply for and obtain patents for improvements or
inventions or in order to assign and convey to Company the sole and exclusive
right, title and interest in and to such improvements, inventions, patents or
applications.

         9. Miscellaneous.

                  9.1 Entire Agreement; Amendment. This Agreement constitutes
the entire agreement between the parties with respect to the Employee's
employment with the Company and supersedes any and all prior or contemporaneous
agreements or understandings, whether oral or written, relating to the
Employee's employment. This Agreement may be amended, modified, supplemented, or
changed only by a written document signed by both parties to this Agreement.

                  9.2 Governing Law and Venue. This Agreement, and any dispute
arising from the relationship between the parties to this Agreement, shall be
governed by California law. Venue for any dispute arising from the relationship
between the parties to this Agreement or for any action to enforce or defend the
terms of this Agreement shall be in Orange County, California.

                  9.3 Attorneys' Fees. In any litigation, arbitration, or other
proceeding by which one party either seeks to enforce its rights under this
Agreement (whether in contract, tort, or both) or seeks a declaration of any
rights or obligations under this Agreement , the prevailing party shall be
entitled to recover from the non-prevailing party
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reasonable attorney fees, together with any costs and expenses, to resolve the
dispute and to enforce the final judgment.

                  9.4 Severability. If any section, subsection or provision
hereof is found for any reason whatsoever to be invalid or inoperative, that
section, subsection or provision shall be deemed severable and shall not affect
the force and validity of any other provision of this Agreement. If any covenant
herein is determined by a court to be overly broad thereby making the covenant
unenforceable, the parties agree and it is their desire that such court shall
substitute a reasonable judicially enforceable limitation in place of the
offensive part of the covenant and that as so modified the covenant shall be as
fully enforceable as if set forth herein by the parties themselves in the
modified form. The covenants of the Company and the Employee in this Agreement
shall each be construed as an agreement independent of any other provision in
this Agreement, and the existence of any claim or cause of action of the
Employee against the Company or of the Company against the Employee, whether
predicated on this Agreement or otherwise, shall not constitute a defense to the
enforcement by the Company or the Employee of the covenants in this Agreement.

                  9.5 Notices. Any notice, request, or instruction to be given
hereunder shall be in writing and shall be deemed given when personally
delivered or three (3) days after being sent by United States certified mail,
postage prepaid, with return receipt requested, to the parties at their
respective addresses set forth below:

                     To the Company:

                               Micro General Corporation
                               2510 N. Redhill Avenue
                               Santa Ana, CA  92705
                               Attention:  John Snedegar
                                           Chief Executive Officer

                     With a Copy to:

                               Micro General Corporation
                               2510 N. Redhill Avenue
                               Santa Ana, CA  92705
                               Attention:  Joseph E. Root
                                           Sr. Vice President/General Counsel

                     To the Employee:

                               Nancy Pope Nelson
                               12175 Wyne Court
                               Tustin, CA  92782
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                  9.6 Waiver. The failure of a party to insist upon strict
adherence to any term of this Agreement on any occasion shall not be considered
a waiver thereof or deprive that party of the right thereafter to insist upon
strict adherence to that term or any other term of this Agreement.

                  9.7 Assignment. This Agreement shall be binding upon and inure
to the benefit of the parties and their permitted assigns. Neither this
Agreement nor any of the rights of the parties hereunder may be transferred or
assigned by either party without the consent of the other party. Notwithstanding
the preceding sentence, (i) the Company may assign this agreement without the
consent of the Employee to any related entity in connection with a
reorganization or restructuring of the Company or its sole shareholder, Fidelity
National Financial, Inc.; and (ii) if there is a Change of Control of the
Company and the Successor assumes, either expressly or by operation of law, the
Company's obligations under this Agreement, the Company shall assign its rights
and obligations hereunder to such Successor subject to the terms of Section 4.5
of this Agreement. Any assignment or transfer in violation of this Section 9.7
shall be void.

                  9.8 Captions and Headings. The captions and headings are for
convenience of reference only and shall not be used to construe the terms or
meaning of any provisions of this Agreement.

                  9.9 Legal Counsel/Mutual Drafting. Each party hereto
acknowledges and represents that it has been represented by its own legal
counsel in connection with the terms and conditions of this Agreement, with the
opportunity to seek advice as to its legal rights and obligations from such
counsel. This Agreement is the mutual product of the parties hereto, and each
provision hereof has been subject to the mutual consultation, negotiation and
agreement of each of the parties, and shall not be construed for or against any
party hereto.

                  IN WITNESS WHEREOF the parties have executed this Employment
Agreement as of the Effective Date set forth above.

                              MICRO GENERAL CORPORATION

                              By:
                                 --------------------------------------

                              Its:
                                  -------------------------------------

                                NANCY POPE NELSON

                                -------------------------------------<PAGE>
                                                                   EXHIBIT 10.19

                                LICENSE AGREEMENT

      This License Agreement (the "Agreement") is made on December 21, 2001 (the
"Effective Date"), by and between iLumin Corporation, a Utah corporation, (the
"Licensor") and Micro General Corporation, a Delaware corporation, (the
"Licensee").

RECITALS

      A. Licensor has certain rights, interests and title to certain Technology,
as defined below, which enables secure ebusiness solutions.

      B. Licensor desires to license to Licensee such Technology for use in the
Industry (as defined below), and Licensee desires to accept such license.

      NOW THEREFORE, in consideration of the terms and conditions of this
Agreement, the parties agree as follows:

1. DEFINITIONS. As used in this Agreement, the following terms shall have the
following meanings:

      1.1 "COPYRIGHTS" shall mean any and all copyright rights pertaining to
works subject to copyright protection under United States Copyright Law or the
Berne Convention, together with any moral rights pertaining thereto, including
any existing registration of claims to copyright or applications to obtain such
registration, in the United States or elsewhere related to the Technology.

      1.2 "DOCUMENTATION" means all documentation and information in connection
with the installation, use, operation and maintenance of the Technology,
including, without limitation, all manuals, schematics and instructions
necessary to enable Licensee to perform the functions contemplated under this
Agreement.

      1.3 "FUNCTIONALITY REQUIREMENTS" mean the minimum functions and technical
specifications of the Technology set forth in Exhibit A hereto.

      1.4 "INDUSTRY" means all business functions relating to real estate
transactions and related processes, including, without limitation, the business
of real estate sales, mortgage lending and banking and real estate settlement
services, real estate information services, businesses ancillary to real estate
transactions, and financial service businesses supporting, involving or relating
to real estate transactions

      1.5 "INTELLECTUAL PROPERTY" shall mean all Copyrights, Patents, Marks,
trade secrets, business plans, know-how, concepts, inventions, techniques,
system designs, prototypes, ideas or other intellectual property or proprietary
rights of Licensor, in connection with the Technology, including, without
limitation, (i) the right to use, sell, copy, modify, exploit, and license the
Intellectual Property, and (ii) the right to create derivative works of the
Copyrights and retain full ownership thereof

      1.6 "LICENSEE" includes Micro General Corporation and all companies
controlled by Micro General Corporation.

<PAGE>
      1.7 "LICENSEE AFFILIATE" means any entity that controls, is controlled by
or is under common control with Licensee. Control shall mean ownership or power
to direct 50% or more of the ownership interests of any entity.

      1.8 "LICENSEE CUSTOMER" means any person or company with whom Licensee, or
any Licensee Affiliates or contractors, has now or in the future establishes, a
relationship for the provision of products or services (whether via an
Application Service Provider (ASP) offering or via direct on-site installation).

      1.9 "LICENSEE SYSTEMS" means any combination of one or more computer
operating systems located in one or more facilities maintained by Licensee.

      1.10 "MARKS" means (i) any and all trademarks, trade names, and service
marks set forth on Exhibit B, whether registered or unregistered, and (ii) such
other marks as Licensor may use in commerce from time to time to promote,
market, distribute or otherwise identify the Technology, both together with the
goodwill appurtenant thereto.

      1.11 "PATENTS" shall mean all patents, patent applications and patentable
subject matter embodied the Technology, including those set forth on Exhibit B.

      1.12 "PROGRAM ERROR" means any reproducible failure of the Technology to
function in conformity with the Documentation or Functionality Requirements.

      1.13 "PROGRAM ERROR FIXES" mean any version of the Technology providing
for correction of Program Errors and other modifications of the Technology that
does not constitute an Update.

      1.14 "SOURCE CODE" means the human-readable source code for all aspects of
the computer programs included in the Technology, as appropriate, in the
appropriate programming language, and stored on electronic storage media, and
which shall contain sufficient narrative. including, without limitation,
detailed information in respect of the objects used in the programs, and the
objectives of each portion of the source code and how each portion of the source
code integrates with each other portion of the source code, so as to enable a
Technology programmer having average skill and ability in computer application
programming to understand, maintain and modify the source code and perform such
other functions as contemplated under this Agreement based solely on the
programmer's familiarity with the Technology and the source code.

      1.15 "TECHNOLOGY" means the tools, programs (in executable form only),
technology and other materials described in Exhibit A hereto, including, without
limitation, all software embodied therein and the Documentation and
Functionality Requirements, and, when obtained by Licensee pursuant to the terms
of this Agreement, any Update

      1.16 "TERRITORY" means the continent of North America.

      1.17 "UPDATE(S)" mean, any enhancement, improvement, modification or new
version of the Technology resulting in the addition of one or more functions,
utility or application of the Technology not substantially set forth as a
function in the Functionality Requirements. Updates specifically include new
products and successor products developed by Licensor.

                                        2

<PAGE>
2. TECHNOLOGY LICENSE.

      2.1 GRANT OF ROYALTY-FREE LICENSE. Subject to the terms and conditions set
forth herein, Licensor hereby grants to Licensee under Licensor's Intellectual
Property rights, a, perpetual, irrevocable, worldwide, fully paid up,
royalty-free, sublicensable license to the Technology for the following
purposes:

            (a)   to install, execute, copy, reproduce, and use the Technology
                  on the Licensee Systems;

            (b)   to provide Licensee Affiliates with access to and use of the
                  Technology, whether from one or more remote terminals or
                  computers wherever located (either via the Internet or by any
                  other means of networked communication with the Licensee
                  Systems, including, without limitation, in an application
                  service provider environment, or any combination thereof), and
                  to sublicense the Technology to such Licensee Affiliates
                  solely for the purpose of such access and use. Licensee
                  Affiliates making use of or granting access to the Technology
                  outside the Territory or outside the Industry shall avoid
                  direct competition with Licensor, and in furtherance of that
                  policy, a Licensee Affiliate seeking to make use of or grant
                  access to the Technology outside the Territory or outside the
                  Industry shall obtain written consent of such use from
                  Licensor, which consent shall not be unreasonably withheld.

      2.2 GRANT OF ROYALTY-BEARING LICENSE. Subject to the terms and conditions
set forth herein, Licensor hereby grants to Licensee under Licensor's
Intellectual Property rights, a perpetual, irrevocable, royalty-bearing,
sublicensable license to the Technology to provide Licensee Customers with
access to and use of the Technology, whether from one or more remote terminals
or computers wherever located (either via the Internet or by any other means of
networked communication with the Licensee Systems, including, without
limitation, in an application service provider environment, or any combination
thereof), and to sublicense the Technology to such Licensee Customers solely for
the purpose of such access and use, provided that Licensee Customers' use of the
Technology is limited to the Industry and the Territory.

      2.3 IRREVOCABILITY. Notwithstanding anything to the contrary in this
Agreement, the sublicenses granted hereunder to Licensee Customers shall be
irrevocable, regardless of any termination or breach of this Agreement, so long
as all royalties due to Licensor regarding such licenses are paid to Licensor.
In the event, however, of termination for Licensor's breach under Section
12.2(b) or Licensor's bankruptcy under Section 12.2(c), the licenses granted to
Licensee, and sublicenses granted hereunder to Licensee Customers and Licensee
Affiliates, shall be irrevocable, so long as all royalties due to Licensor
regarding such licenses are paid to Licensor.

      2.4 OWNERSHIP. Except as expressly set forth herein, Licensor retains all
rights, interests and title in and to the Technology. Licensee shall own all
rights, interests and title in and to any enhancements, modifications,
improvements, updates or derivative works of or to the Technology made by or for
Licensee as provided for under this Agreement, subject to Licensor's underlying
ownership interests in and to the Technology and related Intellectual Property
rights (and provided that, for purposes of clarification, Licensor acknowledges
it has no other rights to use or otherwise exploit any such modifications that
include all or any portion of the Technology). It is understood

                                        3

<PAGE>
that rights in and to derivative works will only be applicable when Licensee
acquires Source Code, as set out in Section 15.3 below.

      2.5 EXCLUSIVITY. Licensor agrees that during the term of this Agreement,
it shall not, without Licensee's prior written consent, which may be withheld in
Licensee's sole and absolute discretion, grant any license or other right to the
Technology (or any enhancements, modifications, improvements, Updates or
derivative works thereof), to any third party for any use whatsoever within the
Industry, nor shall Licensor make any such use in the Industry for its own
benefit.

      2.6 RESTRICTIONS. Licensee may not, either directly or through any person
or entity, in any form or manner, copy, distribute, reproduce, incorporate, use
or allow access to the Technology or modify, prepare derivative works of,
decompile, reverse engineer, disassemble or otherwise attempt to derive Source
Code from the Technology, except as explicitly permitted under this Agreement.

      2.7 END USER LICENSE AGREEMENT. All sublicenses granted by Licensee to
Licensee Customers under this Agreement must include all defined terms necessary
to ensure that the provisions required by this section have the substantive
meanings intended under this Agreement. All such sublicenses also must include
provisions that:

            (a)   Restrict use of the Technology to use by Licensee Customer
                  only.

            (b)   Restrict use of the Technology to use in object code form.

            (c)   License the Technology exclusively for End User's internal
                  business purposes.

            (d)   Prohibit causing or permitting the reverse engineering,
                  disassembly or decompilation of the Technology.

            (e)   Prohibit title to the Technology from passing to the End User.

            (f)   Disclaim iLumin's liability for damages, whether direct or
                  indirect, incidental or consequential, arising in connection
                  with the End User License Agreement.

            (g)   State that ILumin makes no direct warranty of any kind to End
                  User under the End User License Agreement.

            (h)   Disclaim iLumin's liability for any taxes or duties, however
                  designated or levied (including, but not limited to, sales,
                  use and personal property taxes).

      2.8. EXPANSION OF THE TERRITORY. Licensor shall provide to Licensee a
right of first refusal on any license proposed to be granted by Licensor to any
third party for use of the Technology outside the Territory but in the Industry,
affording Licensee the opportunity to extend the Territory on terms and
conditions at least as favorable as those proposed to be granted under the
proposed transaction. In addition, Licensor shall expand the Territory upon
written request of Licensee, provided (a) Licensor has not granted rights to any
third party in the geographic area requested, and (b) Licensee can make a
commercially reasonable showing that that Licensee has a bona fide business
opportunity in such region. In the event Licensee is not successful in
consummating a sublicense of the Technology hereunder in such expanded
Territory, such region shall revert to Licensor in a reasonable time.

                                        4
<PAGE>

      2.9 VAR. Transactions with customers outside the Industry shall be
governed by a Value Added Reseller agreement ("VAR"), to be separately agreed by
the parties.

3. DOCUMENTATION AND MARKS.

      3.1 GRANT. Subject to the terms and conditions of this Agreement and
subject to Licensor's prior written approval, which may be withheld in
Licensor's sole and absolute discretion, Licensor hereby grants to Licensee a
non-exclusive, worldwide, sublicensable license to, only within the Industry:
(i) use, reproduce and display the Marks, solely in connection with the use of
the Technology; and (ii) modify the Documentation solely to the extent necessary
to enable Licensee Customers to access and use the Technology, and reproduce and
distribute that portion of the Documentation to Licensee Customers, either as
modified or unmodified, necessary for such access and use. Title to and
ownership of the Marks shall remain with Licensor. Licensee shall not take any
action inconsistent with Licensor's ownership of the Marks, and any benefits
accruing from Licensee's use of such Marks shall automatically vest in Licensor.
Licensee shall contact Licensor prior to removing, destroying, modifying, or
altering any of the Marks. Licensor may terminate the foregoing trademark
license if, in its reasonable discretion, Licensee's use of the Marks tarnishes,
blurs, or dilutes the quality associated with the Marks or the associated
goodwill and such problem is not cured within thirty (30) days of notice of
breach; alternatively, instead of terminating the license in total, Licensor may
specify that certain Licensee uses may not contain the Marks.

      3.2 RESTRICTIONS AND OWNERSHIP. Licensee shall not modify or alter the
Marks without Licensor's prior written approval. Except as expressly set forth
herein, Licensor retains all rights, interests and title in and to the Marks and
Documentation.

      3.3 USAGE OF MARKS. The parties shall in good faith discuss an agreement
pursuant to which Licensee would include a "Powered by iLumin" statement on each
ASP page and include the Marks in a mutually agreeable location in (a) a
"splash" screen upon each execution of the Technology and (b) an information
screen (e.g. an "About" box).

4. TECHNOLOGY MAINTENANCE.

      4.1 PROGRAM ERROR FIXES. Licensor shall promptly notify Licensee of any
new Program Error Fixes, and upon request by Licensee, shall provide Licensee
with such Program Error Fixes at no additional charge.

      4.2 UPDATES. Licensor shall promptly notify Licensee of any Update as it
becomes commercially available, and Licensor shall provide to Licensee upon
request all Updates at no charge to Licensee.

      4.3 ADDITIONAL PRODUCTS. Licensor shall promptly notify Licensee of any
newly developed product or service owned by Licensor or any company affiliated
with Licensor (a "New Product") as it becomes commercially available. Upon
request by Licensee, Licensor shall provide Licensee the New Product on terms
and conditions identical to those contained herein.

                                        5
<PAGE>
5. DELIVERY. Upon the Effective Date, Licensor shall deliver to Licensee at its
expense and risk of loss one (1) a master copy of an executable version of the
Technology, Documentation and Marks on a medium reasonably acceptable to
Licensor.

6. CONSIDERATION. The rights and licenses granted herein are in consideration of
the mutual promises and agreements set forth herein

7. ROYALTIES. Royalties hereunder shall be paid as follows:

       7.1 PAYMENT TERMS. Licensee shall pay to the Licensor the royalties set
forth on Exhibit C hereto with respect to revenues received hereunder and
subject to royalty payments, as set out in Sections 2.2 and 7.3.

       7.2 REPORTS, RECORDS AND INSPECTION. Licensee shall, with each payment
due pursuant to Section 7.1 hereof (but no more than four (4) times per year),
prepare and deliver to the Licensor a statement setting forth the total
royalties payable with respect to such payment and the determination thereof
(the "Statement"). No more often than one (1) time each contract year, the
Licensor shall have the right, on reasonable advance notice to Licensee, during
usual business hours, to cause such records of Licensee to be examined by
independent public accountants selected by the Licensor and reasonably
acceptable to Licensee for the period since the end of the period covered by the
last previous examination, for the sole purpose of verifying the completeness
and accuracy of such Statement, provided that such independent public
accountants shall execute a confidentiality agreement in form reasonably
specified by Licensee. In the event that such examination shall disclose that
the total amount of commissions payable by Licensee for any payment period were
understated on any Statement, Licensee shall promptly pay any amount underpaid,
and if the amount of any such understatement was 10% or more of the amount due
for such payment period, Licensee shall in addition reimburse the Licensor for
its costs and expenses incurred in conducting, or having conducted, such
examination.

       7.3 BASIS FOR ROYALTIES. Royalty rates shall be calculated from a
starting point based upon either (a) mutually agreed flat rates or (b)
then-current published price. In no event shall a royalty rate be based upon the
total selling price of a product or service by Licensee. Licensee may request
reduced pricing in specific situations, in which event pricing shall be based
upon an average price level charged by Licensor across at least three industrial
classifications. Price levels shall be reviewed by the parties at least
quarterly during the first year of this Agreement, and at least every six months
thereafter. In determining whether revenue received by Licensee or a Licensee
Affiliate shall be subject to royalty payments, the following test shall be
applied: Revenue received by Licensee or a Licensee Affiliate from a third party
shall be subject to royalty payments hereunder if such revenue is based upon the
performance of actions by the third party for that party's own benefit, either
by virtue of using software licensed directly hereunder or through access
provided under an application service provider arrangement; if such revenue is
based upon the performance of actions by Licensee or a Licensee Affiliate on
behalf of the third party for the purpose of generating revenue from the third
party, either by virtue of using software licensed directly hereunder or through
access provided under an application service provider arrangement, then such
revenue shall not be subject to royalty payments hereunder.

      7.4 MOST FAVORED CUSTOMER. Royalty rates and any other fees or payments
made by Licensee to Licensor shall be at least as favorable to Licensee as are
similar rates, fees or payments made to Licensor by any other customer or
licensee of Licensor, specifically including the amount of

                                        6

<PAGE>
any discounts applied to list prices. In the event Licensor is found to breach
this Section 7.4, Licensee shall have the right to determine the amount of
overpayments made to Licensor and to recoup such overpayments either by a
lump-sum reimbursement by Licensor or by a reduction in future payments, at
Licensee's sole discretion.

8. TRAINING AND SUPPORT SERVICES.

      8.1 IMPLEMENTATION SUPPORT SERVICES. For a period of sixty (60) days after
the delivery and acceptance of the Technology, Licensor will provide at no
charge to Licensee, including its employees and contractors, customized
technical and operational training with respect to the use of the Technology.
All such support shall be provided during the hours of 8 a.m. to 5 p.m. Pacific
Standard Time) telephonically, or via e-mail, or, upon Licensee's reasonable
request in light of the severity and nature of the problem, at Licensee's
facility.

      8.2 ADDITIONAL SUPPORT TO LICENSEE AND LICENSEE CUSTOMERS. After the
expiration of the sixty (60) days period set forth in Section 8.1 above,
Licensor shall provide to Licensee and Licensee Customers during the term of
this Agreement additional technical and operational support with respect to the
use of the Technology; upon the mutual agreement of the parties based upon the
number of DHS servers specified for support by Licensee. Licensor shall furnish
such services according to a mutually agreed support level, to include response
times of no longer than one hour for all calls during normal business hours, and
one hour response times for all Severity One calls at any time. The cost for
such services shall be $10,000 per supported server per month. The number of
servers serviced shall be set at Licensee's sole discretion, and such number may
be changed on thirty (30) days written notice.

      8.3 INTEGRATION SERVICES. Licensor shall provide Integration Services to
Licensee during the Term with respect to the integration of the Technology. Such
Integration Services shall be provided at a discounted rate of 50% off of the
standard list price of such Integration Services set forth in Exhibit A. Any
such Integration Services shall be performed according to the standard iLumin
Work Order process.

9. REPRESENTATIONS AND WARRANTIES OF LICENSOR. Licensor hereby represents,
warrants and covenants to Licensee all of the following.

      9.1 WARRANTY OF TITLE. Licensor owns or has obtained sufficient rights to
grant the licenses herein.

      9.2 DUE AUTHORITY/NON CONTRAVENTION. Licensor has the full corporate power
to enter into this Agreement and to carry out its obligations under this
Agreement. Licensor has not previously granted, and will not grant during the
term of this Agreement, any right, license or interest in, to or under the
Technology, or any portion thereof, which is inconsistent with the rights and
licenses granted to Licensee herein or that will adversely affect any exercise
by Licensee of its rights under this Agreement. There are no actions, suits,
investigations, claims or proceedings pending or threatened in any way relating
to the Technology.

      9.3 INFRINGEMENT. The Technology, Documentation and Marks, used in
accordance with this Agreement, does not and will not infringe or misappropriate
any patents, copyrights, trade secrets, trademarks, trade names or other
intellectual or proprietary rights of any third-party; provided,

                                        7
<PAGE>
however, that claims of alleged infringement in the following situations shall
not be covered by this Section 9.3:

            (a)   modifications of the Technology by Licensee;

            (b)   any combination of the Technology with another product or
                  element;

            (c)   use of the Technology in breach of this Agreement;

            (d)   use of a release of the Technology other than the most current
                  release, when use of the most current release would avoid the
                  claim of infringement;

      9.4 YEAR 2000 COMPLIANCE. The Technology will function correctly when
dealing with dates, times, and date/time (including calculating, comparing and
sequencing) from, into and between the twentieth and twenty-first centuries, and
the years 1999 and 2000 and leap year calculations, and with respect to the
processing of date/time data, the Technology will neither contain nor create any
logical or mathematical inconsistency, will not malfunction, and will not cease
to function.

      9.5 TRAPS AND VIRUSES. The Technology does not and will not contain any
timer, clock, counter, trap, virus or other limiting design or routine
(collectively a "Trap") that may cause the Technology or any data generated or
used by the Technology to be erased or become inoperable or inaccessible, or
otherwise incapable of being used in the full manner for which they were
designed after the occurrence or lapse of any triggering event, and Licensor
shall take reasonable measures to ensure that at the time of delivery of the
Technology, no such Traps are contained in the Technology. The foregoing
includes any Trap that is triggered after use or copying of the Technology or
any component a certain number of times, or after the lapse of a period of time,
or after the occurrence or lapse of any other triggering event or factor.

      9.6 PRODUCT WARRANTY. The Technology shall perform substantially in
accordance with the Documentation and the Functionality Requirements and be free
of material Program Errors.

      9.7 SERVICE WARRANTY. Any services performed by Licensor under this
Agreement shall be performed in a professional and workmanlike manner by
individuals well-qualified to perform such work.

      9.8 MEDIA WARRANTY. The media containing the Technology, Marks or
Documentation delivered by Licensor hereunder will be free from defects in
material and workmanship.

      9.9 DOCUMENTATION WARRANTY. The Documentation provided by Licensor
hereunder will faithfully and accurately reflect the operation of the Technology
in all material aspects.

      9.10 DISCLAIMER. LICENSOR MAKES NO OTHER WARRANTIES, EXPRESS OR IMPLIED,
REGARDING THE TECHNOLOGY, INCLUDING, WITHOUT LIMITATION, ALL OTHER WARRANTIES AS
TO MERCHANTABILITY AND FITNESS FOR PARTICULAR PURPOSE.

      9.11 REMEDIES. Without limiting any remedy that Licensee may otherwise
have under this Agreement, at law or in equity, and subject to the terms and
conditions of Section 13.1, upon written notice of noncompliance of any of the
foregoing warranties, Licensor shall use commercially

                                       8
<PAGE>

reasonable efforts to cure such breach with thirty (30) days. In the event any
breach of the warranties in this Section 9.11 interferes with the performance of
Licensee's use of Technology, and such breach is not cured within sixty (60)
days (excepting instances of accused infringement under Section 9.3, Licensor
shall (i) refund to Licensee any fees paid by Licensee in connection with this
Agreement or the VAR Agreement, and (ii) pay any actual costs incurred by
Licensee and Licensee Affiliates in order to implement replacement Technology
(including any necessary modifications and installation). Nothing in this
Section 9.11 shall limit or impair Licensee's right to bring any other claims or
recover for any other liabilities or damages.

10. REPRESENTATIONS AND WARRANTIES OF LICENSEE. Licensee represents, warrants
and covenants that it has the full corporate power to enter into this Agreement
and to perform its obligations hereunder, and that it has the right to accept
the rights and licenses herein.

11. LIMITATION OF LIABILITIES. EXCEPT FOR THE INDEMNITY OBLIGATIONS OF EACH
PARTY SET FORTH IN SECTION 13 BELOW AND LICENSOR'S OBLIGATIONS UNDER SECTION
9.11 ABOVE, NEITHER PARTY SHALL BE LIABLE TO THE OTHER PARTY WITH RESPECT TO ITS
OBLIGATIONS UNDER THIS AGREEMENT OR OTHERWISE FOR CONSEQUENTIAL, EXEMPLARY,
SPECIAL, INDIRECT, INCIDENTAL OR PUNITIVE DAMAGES EVEN IF THE PARTY HAS BEEN
ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. EACH PARTY'S AGGREGATE LIABILITY TO
THE OTHER PARTY UNDER THIS AGREEMENT SHALL BE LIMITED TO THE LOWEST OF: (A)
ACTUAL DIRECT DAMAGES INCURRED BY THE INJURED PARTY; OR (B) FIVE MILLION UNITED
STATES DOLLARS (US$5,000,000). LICENSEE ACKNOWLEDGES AND AGREES THAT THESE
LIMITATIONS ARE AN ESSENTIAL BASIS OF THE BARGAIN BETWEEN THE PARTIES, AND
FURTHER AGREES THAT THESE LIMITATIONS SHALL APPLY NOTWITHSTANDING ANY FAILURE OF
ESSENTIAL PURPOSE OF ANY LIMITED REMEDY.

12. TERM AND TERMINATION.

      12.1 TERM. This Agreement shall commence on the Effective Date and
continue until terminated by the parties as set forth in this Section 12.

      12.2 TERMINATION. This Agreement may be terminated in accordance with the
following:

            (a)   by Licensee, for any or no reason, upon thirty (30) days
                  written notice to Licensor;

            (b)   by either party upon the expiration of sixty (60) days written
                  notice of a material breach of this Agreement and such breach
                  is not cured within said sixty (60) day period; or

            (c)   by either party in the event that the other party petitions
                  for or consents to any relief under any bankruptcy,
                  reorganization or similar statute, makes an assignment for the
                  benefit of its creditors, or petitions for the appointment of
                  a receiver, liquidator, trustee or custodian of all or a
                  substantial part of its assets, or a receiver, liquidator,
                  trustee or custodian is appointed for all or a substantial
                  part of its assets and is not discharged within thirty (30)
                  days after the date of such appointment.

                                       9

<PAGE>
      12.3 EFFECT OF TERMINATION. Upon Licensee's voluntary termination of this
Agreement under Section 12.2(a), termination for Licensee's breach under Section
12.2(b), or termination for Licensee's bankruptcy under Section 12.2(c), both
parties' right, licenses and obligations under this Agreement will terminate,
provided that Sections 2.3, 2.4, 2.6, 2.7, 7.1, 7.2, 7.3, 11, 12.3 through 14,
16 and 17, inclusive, will survive termination of this Agreement. Upon
termination of this Agreement for Licensor's breach under Section 12.2(b) or
Licensor's bankruptcy under Section 12.2(c), both parties' right, licenses and
obligations under this Agreement will terminate, provided that Sections 2.1,
2.2, 2.3, 2.4, 2.6, 2.7, 3, 7.1, 7.2, 7.3, 11, 12.3 through 14, 16 and 17,
inclusive, will survive such termination. In the event of termination by either
party in accordance with the provisions of this Agreement, neither party shall
be liable to the other because of such termination for compensation,
reimbursement or damages on account of such termination; provided, however,
termination shall not relieve either party of its obligations incurred prior to
termination.

13. INDEMNIFICATION.

      13.1 INDEMNIFICATION BY LICENSOR. Licensor will indemnify, hold harmless
and defend Licensee, and Licensee Affiliates, against any claim, suit or
proceeding and any damages or liability therefrom or settlement agreed to by
Licensor thereof (including reasonable fees of attorneys and related costs)
resulting from a breach, or based on a claim that, if true, would be a breach,
of this Agreement by Licensor, including, without limitation, a breach of the
representations, warranties and covenants of Section 9. If the use of the
Technology, or any enhancement, modification, improvement, Update, or derivative
work thereto, or any information or material furnished hereunder, is enjoined
and Licensor is not able either to procure for Licensee the right to continue
such use or to modify the Technology so that it no longer infringes any such
right, Licensor will refund any fees paid by Licensee in connection with this
Agreement during the sixty (60) day period immediately preceding such
injunction.

      13.2 INDEMNIFICATION BY LICENSEE. Licensee will indemnify, hold harmless
and defend Licensor, against any claim, suit or proceeding and will pay any
final judgment or other award, including all costs of suit, resulting from any
judgments or settlements (including reasonable fees of attorneys and related
costs) to the extent based upon (a) any claim of gross negligence or wrongful
acts of employees, contractors or agents of Licensee while exercising Licensee's
rights or performing Licensee's obligations under this Agreement; (b) any claim
that a modification, combination or manner of use of the Technology (and not the
Technology itself) infringes a patent, trademark or copyright right of a third
party; (c) any claim based on a representation of the Technology by Licensee in
a manner inconsistent with iLumin's representations and warranties; or (d) any
claim related to any other use or distribution of the Technology by Licensee
inconsistent with the terms and conditions of this Agreement.

      13.3 INDEMNIFICATION PROCEDURE. The indemnifying party (the "Indemnitor")
will not be obligated to indemnify, hold harmless or defend the indemnified
party (the "Indemnitee") unless the Indemnitee (a) provides prompt notice of the
commencement of the claim, suit or proceeding for which indemnification is
sought, (b) cooperates with the Indemnitor, and (c) allows the Indemnitor to
control the defense, provided that (y) the Indemnitee may, at its option and
expense, participate and appear on an equal footing with Indemnitor in the
claim, suit or proceeding and (z) neither party may settle a claim, suit or
proceeding without approval of the other party, which approval will not be
unreasonably withheld or delayed.

                                       10
<PAGE>
14. CONFIDENTIAL INFORMATION. "Confidential Information" of each party means
information that is disclosed by such party to the other party in connection
with this Agreement and conveyed (i) in written, graphic, machine-readable or
other tangible form and conspicuously marked "confidential," "proprietary" or in
some other manner to indicate its confidential nature, or (ii) orally, provided
that such information is designated as confidential or proprietary at the time
of such oral disclosure and is confirmed in writing as confidential within ten
(10) days after the oral disclosure (collectively, "Confidential Information").
The Technology and Documentation do not require marking or other indicia to be
deemed Confidential Information. A will hold Confidential Information in
confidence and will not use, or disclose to a third party, the Confidential
Information of the other party, except for the purposes contemplated by, or in
exercise of the rights and licenses granted under, this Agreement.
Notwithstanding the above, information will not be deemed Confidential
Information if the information (a) is or becomes generally known to the public
through no unlawful act of the recipient, (b) was known to the recipient at the
time of disclosure, (c) was independently developed by the recipient, or (d)
becomes known to the recipient from a source other than the disclosing party
without breach of the disclosing party's rights. A party may also disclose
Confidential Information of the other party to the extent (1) authorized in
writing by the other party, or (2) required by applicable law or a court of
competent jurisdiction, provided the non-disclosing party shall be notified by
the disclosing party prior to disclosure so as to afford the non-disclosing
party with an opportunity to enforce any rights it may have in order to protect
its Confidential Information from disclosure.

15. SOURCE CODE ESCROW.

      15.1 ESTABLISHMENT AND MAINTENANCE. Within ten (10) days of the Effective
Date hereof Licensor shall deposit the Source Code into a source code escrow
account established by Licensee with a nationally recognized source code escrow
agent agreed upon by Licensor under the terms agreed upon by Licensor (subject
to the terms set forth in this Section 15.1). Upon the delivery by Licensor of
each Program Error Fix or Update, Licensor shall deposit the Source Code for
such Program Error Fix or Update into the source code escrow account described
above.

      15.2 COST OF ESCROW. Licensor agrees to pay all fees due the escrow agent
incurred specifically for the maintenance of the source code escrow.

      15.3 TERMS OF ESCROW. The terms of the source code escrow agreement shall
provide, at minimum, that (a) the Source Code shall be released to Licensee in
the event that (i) Licensor is in breach of its support and maintenance
obligations as set forth in Section 8 of this Agreement, provided that payments
due to Licensor from Licensee for such support and maintenance are up to date;
(ii) Licensor is adjudicated bankrupt, becomes insolvent, makes a general
assignment for the benefit of creditors, or enters dissolution or liquidation
proceedings, or (iii) a petition is filed by or against Licensor under
bankruptcy law, corporate reorganization law or any other law for the relief of
debtors and such petition is consented to or is not dismissed within sixty (60)
days of such filing, or this Agreement is terminated by Licensee due to an
uncured material breach by Licensor as provided above; and (b) Licensee may have
the deposited Source Code inspected to verify that it is complete and current,
that the computer programs generated from such Source Code perform in accordance
with the Documentation and Functionality Requirements therefor and that such
generated computer programs are the same as those comprising the Technology.

      15.4 RIGHTS AND OBLIGATIONS UPON RELEASE. Upon the release from escrow to
Licensee of the Source Code, all of Licensee's rights hereunder shall continue
in full force. In addition, upon

                                       11
<PAGE>
the release of the Source Code to Licensee, Licensee may use, reproduce and
modify the Source Code and may sublicense machine-readable object code generated
from such modified Source Code to the same extent that it may sublicense the
Technology hereunder

       15.5 SUPPLEMENTAL AGREEMENT. Licensor and Licensee acknowledge that the
source code escrow agreement agreed upon by the parties pursuant to this Section
15 shall be an "agreement supplementary to" this Agreement as provided in
Section 365(n) of Title 11, United States Code (the "Bankruptcy Code"). Licensor
acknowledges that if Licensor, as a debtor in possession or a trustee in
Bankruptcy in a case under the Bankruptcy Code, rejects this Agreement or the
source code escrow agreement, Licensee may elect to retain its rights under such
rejected agreement or agreements as provided in Section 365(n) of the Bankruptcy
Code. Upon written request of Licensee to Licensor or to the bankruptcy trustee
appointed to Licensor' bankruptcy case, Licensor or such bankruptcy trustee
shall not interfere with the rights of Licensee as provided in this Agreement
and the source code escrow agreement, including the right to obtain the Source
Code deposited with the escrow agent as provided in this Section 15.

16. ARBITRATION. Any disputes arising between the parties relating to, arising
out of or in any way connected with this Agreement or any term or condition
hereof, or the performance by either party of its obligations hereunder, whether
before or after termination of this Agreement, shall be promptly presented to
the chief executive officers of Licensee and Licensor for resolution and in the
event that such officers cannot promptly resolve a dispute within ten (10)
business days, then such dispute shall be finally resolved by binding
arbitration. Whenever a party shall decide to institute arbitration proceedings,
it shall give written notice to that effect to the other party. Any arbitration
hereunder shall be conducted under the Commercial Arbitration Rules of the
American Arbitration Association. Each such arbitration shall be conducted by a
panel of one or three arbitrators appointed in accordance with such Rules. Any
such arbitration shall be held in Orange Country, California. The arbitrators
shall have the authority to grant specific performance, and to allocate between
the parties the costs of arbitration in such equitable manner as they determine.
Judgment upon the award so rendered may be entered in any court having
jurisdiction or application may be made to such court for judicial acceptance of
any award and an order of enforcement, as the case may be.

17. MISCELLANEOUS.

      17.1 GOVERNING LAW. This Agreement shall for all purposes be governed by
and interpreted in accordance with the laws of the State of New York without
regard to its conflict of laws principles or federal law of the United States,
as applicable.

      17.2 SEVERABILITY. If any provision of this Agreement is held by a court
of competent jurisdiction to be unenforceable, the remaining provisions shall
remain in full force and effect, unless the unenforceable provisions are of such
essential importance to this Agreement that it is to be reasonably assumed that
the parties would not have entered into this Agreement without such provisions.

      17.3 MODIFICATIONS. Any modification, amendment, supplement or other
change to this Agreement must be in writing and signed by duly authorized
representatives of Licensee and Licensor.

      17.4 ASSIGNMENTS. Except for a transfer of all or substantially all of the
assets of the Licensor, no right or obligation of Licensor under this Agreement
may be assigned, delegated or

                                       12
<PAGE>
otherwise transferred by agreement without Licensee's express prior written
consent, and any attempt to assign, delegate or otherwise transfer any of
Licensor's rights or obligations without such consent shall be void. Subject to
the foregoing, this Agreement shall bind each party and its permitted successors
and assigns.

      17.5 WAIVERS. All waivers must be in writing. The failure of either party
to insist upon strict performance of any provision of this Agreement, or to
exercise any right provided for herein, shall not be deemed to be a waiver for
the future of such provision or right, and no waiver or any provision or right
shall affect the right of the waiving party to enforce any other provision or
right therein.

      17.6 REMEDIES. The parties agree that any breach of Section 14 would cause
irreparable injury for which no adequate remedy in law exists; therefore, the
parties agree that equitable remedies, including, without limitation, injunctive
relief and specific performance, are appropriate remedies to redress any breach
or threatened breach of Section 14, in addition to all other remedies available
to the parties. All rights and remedies under this Agreement shall be cumulative
and may be exercised singularly or concurrently. If any legal action is brought
to enforce any obligation under this Agreement (including under arbitration),
the prevailing party shall be entitled to receive its attorneys' fees, court
costs and other collection expenses, in addition to any other relief it may
receive.

      17.7 INDEPENDENT CONTRACTORS. It is expressly agreed that the parties
hereto shall be independent contractors and that the relationship between the
parties shall not constitute a partnership, joint venture or agency. Neither
Licensee nor Licensor shall have the authority to make any statements,
representations or commitments of any kind, or to take any action, which shall
be binding on the other, without the prior written consent of the other party to
do so.

      17.8 NOTICES. Any consent or notice required or permitted to be given or
made under this Agreement by one of the parties hereto to the other shall be in
writing, delivered personally, by facsimile (and promptly confirmed by personal
delivery or courier), or by national or international courier, postage prepaid
(where applicable), addressed to such other party at its address indicated
below, or to such other address as the addressee shall have last furnished in
writing to the addressor and shall be effective upon the earlier of receipt by
the addressee or the second business day after dispatch by recognized national
or international courier.

If to Licensor:                     If to Licensee:

       iLumin Corporation                 2510 N. Red Hill Avenue, Suite 230
       11911 Freedom Drive                Santa Ana, CA 92705-5542
       Suite 790                          Fax:  (949) 477-6819
       Reston, VA 20190                   Attn:
       Fax:  703.481.8672
       Attn: Dave Ellison
with a copy to:                     with a copy to:

       Michael R. Lincoln, Esq.           Stradling Yocca Carlson & Rauth
       Cooley Godward LLP                 660 Newport Center Drive
       11951 Freedom Drive                Newport Beach, CA 92660
       Reston, VA 20190                   Fax:  (949) 725-4100
       Fax: 703.456.8100                  Attn: Craig C. Carlson

                                       13

<PAGE>
      17.9 ENTIRE AGREEMENT. This Agreement (including all exhibits referred to
herein, which are hereby incorporated by reference) constitutes the entire
agreement between the parties hereto with respect to the subject matter hereof
and thereof and supersedes all prior agreements, understandings and
negotiations, both written and oral, between and among the parties with respect
to the subject matter of this Agreement. Neither this Agreement nor any
provision hereof is intended to confer upon any person other than the parties
hereto any rights or remedies hereunder.

      17.10 COUNTERPARTS. This Agreement may be executed in one or more
counterparts, each of which shall be deemed an original, but all of which
together shall constitute one and the same instrument.

      IN WITNESS WHEREOF, the parties have executed this License Agreement as of
the Effective Date.

LICENSEE:                               LICENSOR:
MICRO GENERAL CORPORATION               ILUMIN CORPORATION

By:  /s/ JOHN R. SNEDEGAR               By:  /s/ STEVEN SCHNEIDER
     -----------------------------           -----------------------------------
Print Name: John R. Snedegar            Print Name: Steven Schneider
            ----------------------                  ----------------------------
Its:        CEO                         Its:        CEO
            ----------------------                  ----------------------------

                                       14
<PAGE>
EXHIBIT A

TECHNOLOGY; FUNCTIONALITY REQUIREMENTS

1.    DESCRIPTION OF THE TECHNOLOGY AND ITS COMPONENTS:

2.    FUNCTIONALITY REQUIREMENTS AND TECHNICAL SPECIFICATIONS OF THE TECHNOLOGY:

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