Document:

<PAGE>

                                                                  Exhibit 10.3

                                                                  01A4-0199-102
                                                                  --------------
                                                                  License Number

                         WORK MANAGEMENT SOLUTIONS, INC.

                                 75 Wells Avenue
                                Newton, MA 02459
                                 (617) 964-1633

                     PROPRIETARY SOFTWARE LICENSE AGREEMENT

                     for Account4(TM) Work Management System

Subject to the provisions contained herein. Work Management Solutions. Inc.
("Work Management Solutions") hereby grants to Keane Inc. ("Customer") a
non-exclusive license to use the proprietary computer software products
("Licensed Program") and materials ("Licensed Materials") specified below.

SOFTWARE

Work Management Solutions will furnish one (1) copy of the Licensed Program to
Customer in machine-readable object code form and provide one (1) copy of the
Licensed Materials to Customer containing detailed specifications for the
operation and use of the Licensed Program.

PRODUCT LICENSE AND SERVICE FEES

-----------------------------------------------------------------------------
Software License Fee                                          [***]
(See Schedule 1, Section A)
-----------------------------------------------------------------------------
Professional Services Fee                                     [***]
(See Schedule 1, Section B
-----------------------------------------------------------------------------
Software Maintenance Fee                                      [***]
                                                            -----------
(See Schedule 1. Section C)
-----------------------------------------------------------------------------

   Total Fees Due & Payable                                   [***]
                                                            ===========
--------------------------------------------------------------------------------

PROPRIETARY SOFTWARE LICENSE AGREEMENT

 *** Certain information on this page has been omitted and filed separately
with the commission. Confidential treatment has been requested with respect
to the omitted portions.

<PAGE>

                                                                  01A4-0199-102
                                                                  --------------
                                                                  License Number

                         WORK MANAGEMENT SOLUTIONS, INC.

                              CUSTOMER INFORMATION

Customer Name:                 Keane Inc.
                               ------------------------------------------
Address:                       Ten City Square
                               ------------------------------------------
                               Boston, MA 02129
                               ------------------------------------------
Attention:                     Mr. David Dengler
                               ------------------------------------------
Telephone Number:
                               ------------------------------------------

                               ------------------------------------------

Customer's Designated Site

Designated Site:               Keane, Inc.
                               ------------------------------------------
                               Corporate IT Dept.
                               ------------------------------------------
                               Mystic Center
                               ------------------------------------------
Address:                       10 President's Landing, Suite 200
                               ------------------------------------------
                               Medford, MA 02155
                               ------------------------------------------

                               ------------------------------------------
Billing Address:               Same
                               ------------------------------------------

                               ------------------------------------------

                               ------------------------------------------
Attention:                     David Dengler
                               ------------------------------------------
Telephone:                     617-241-9200 x1330
                               ------------------------------------------

                               ------------------------------------------
Shipping Address:
                               ------------------------------------------
(If different from above)
                               ------------------------------------------

                               ------------------------------------------

Attention:                     David Dengler
                               ------------------------------------------
Telephone:
                               ------------------------------------------

PROPRIETARY SOFTWARE LICENSE AGREEMENT
<PAGE>

                                                                  01A4-0199-102
                                                                  --------------
                                                                  License Number

                         WORK MANAGEMENT SOLUTIONS, INC.

                              TERMS AND CONDITIONS

1. LICENSE. Work Management Solutions, Inc. hereby grants to Customer a
non-exclusive, non-transferable license (the "License") to use the Licensed
Program and Licensed Materials on the Designated Site, identified on Page 2 of
this Agreement, subject to the terms and conditions contained herein. The term
of this license is perpetual, commencing upon acceptance of this Agreement by
Work Management Solutions.

This Agreement, the Licensed Program and Licensed Materials to which it applies,
may not be assigned, sub licensed, or transferred by the Customer without prior
written consent from Work Management Solutions which will not be unreasonably
withheld nor delayed.

2. USE. Work Management Solutions shall be responsible for the delivery of the
Licensed Program(s) together with the documentation. The Customer shall be
exclusively responsible for the supervision, management and control of its use
of the Licensed Program(s), including without limitation; (i) assuring proper
machine configurations, audit controls and operating methods: (ii) establishing
adequate backup plans, based on alternative procedures and access to qualified
programming personnel; and (iii) implementing sufficient recovery procedures and
checkpoints to satisfy its requirements for security and accuracy of input, as
well as, system restart and recovery in the event of a malfunction.

The Licensed Program and Licensed Materials may be used only in the furtherance
of the internal operations of the Customer or its wholly owned or majority owned
subsidiaries. In no event shall the Licensed Program be used to process
information by or for the benefit of third parties.

The Customer may, from time to time, change the Designated Site and/or the
location thereof to any computer site of the Customer or a subsidiary, provided
that in each case the Customer gives timely written notice thereof to Work
Management Solutions. During the term of this Agreement, and at any given time,
the Customer is authorized to use the Licensed Program on only one (1) of the
Customer's computers or on a cluster of computers; the Customer may license
additional copies of the Licensed Program pursuant to the then current Work
Management Solutions multiple installation pricing policy.

The Customer may not copy or otherwise reproduce the Licensed Program, or any
part thereof (except such copying, strictly limited in number, as is essential
for system backup, testing, maintenance or recovery purposes). The Customer may
reproduce the Licensed Materials solely for its own internal use provided that
all titles, trademarks, trade names, copyright notices, and other proprietary
notices of Work Management Solutions, Inc. are retained.

3. CONFIDENTIALITY. The ideas and the expressions hereof contained in the
Licensed Program and Licensed Materials are confidential, proprietary
information and trade secrets that the Customer will receive in confidence. The
Customer shall not in any manner or form disclose, provide or otherwise make
available, in whole or in part, any Licensed Program and/or Licensed Materials
to any third parties except for Customer's employees and consultants who are
bound by appropriate non-disclosures. The obligations expressed within this
Section 3 shall survive termination of this Agreement.

The Parties acknowledge and agree that all Parties' information that is marked
"Confidential", except as specified below, that comes to be known by reason of
work under this Agreement, is confidential to each Party and will not be
disclosed to unauthorized third parties. The Parties will use the same standard
of care, and will bind their employees, agents or representatives to such
standard, to prevent disclosure of such confidential information as each uses to
protect its own confidential information and trade secrets. Information received
by either Party under this Agreement will not be considered confidential if the
information: (a) is not marked "Confidential"; (b) is known to the other Party
or is in the other Party's possession at the time of executing this Agreement;
(c) is in the public domain at the time of disclosure; (d) is independently
developed by the other Party; or (e) is disclosed to the other Party by a third
party with written approval of the first Party.

PROPRIETARY SOFTWARE LICENSE AGREEMENT
<PAGE>

                                                                  01A4-0199-102
                                                                  --------------
                                                                  License Number

                         WORK MANAGEMENT SOLUTIONS, INC.

The obligations expressed within this Section 3 shall survive termination of
this Agreement.

4. WARRANTIES. Work Management Solutions warrants that (i) it may lawfully grant
the License, (ii) neither the Licensed Program or Licensed Materials, or the use
thereof within the scope of the License, infringes a patent or copyright or is
claimed to be a trade secret of any person who has not consented to the granting
of the License, (iii) at the time of installation, and for so long thereafter as
Customer pays Maintenance Fees hereunder, the Licensed Program, will conform to
applicable printed documentation (i.e., all Licensed Materials, including User
Guides and Reference Manuals) delivered by Work Management Solutions to the
Customer; (iv) neither the Licensed Program nor the Licensed Materials contain
any virus, time bomb mechanism or other software or code that can disable or
adversely affect any and all of the Licensed Program or the Licensed Materials
or destroy any data or other software; and (v) both the Licensed Program and the
Licensed Materials are Year 2000 Compliant. THE FOREGOING WARRANTY IS IN LIEU OF
ALL OTHER WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE
IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, AND FITNESS FOR A PARTICULAR
PURPOSE. No employee or agent of Work Management Solutions is authorized to give
a greater or different warranty.

5. INDEMNIFICATION. Work Management Solutions, at its own expense, will defend
and indemnify against any action brought against the Customer based on a claim
that any Licensed Program infringed a United States patent, copyright or
trademark provided that (i) Work Management Solutions shall be notified promptly
in writing by the Customer of any notice of such claim; (ii) Work Management
Solutions shall have the sole control of the defense of any action on such claim
and all negotiations for its settlement or compromise; and (iii) the Customer
shall permit Work Management Solutions, at Work Management Solutions' option and
expense, either to procure for the Customer the right to continue using the
Licensed Program or modify the Licensed Program so that it becomes
non-infringing.

6. LIABILITY. Except as provided for in Section 5 above, Work Management
Solutions' liability for damages to the Customer for any cause whatsoever, and
regardless of the form of action, shall be limited to the License Fees paid by
the Customer hereunder with respect to the affected Licensed Program. In no
event will Work Management Solutions be liable for any lost profits, goodwill,
or other consequential, special or indirect damages suffered by the Customer in
connection with or arising from the performance of the Licensed Program, even if
Work Management Solutions has been advised of the possibility of such damages.
or for any claim against the Customer by any other party.

7. MAINTENANCE PLAN. Upon due and punctual payment of the applicable Maintenance
Fees, the Customer shall receive:

New Releases: From time to time Work Management Solutions may issue modified or
enhanced versions of the Licensed Program, herein referred to as a "New
Release", and will provide the Customer with one (1) complete copy of such New
Release and one (1) copy of the documentation updates. Following shipment of the
New Release materials, the previous release shall remain "current". for purposes
hereof, for a period of six (6) months: thereafter only the New Release will be
current. New Releases will only be issued to Customers who have a current
Maintenance Plan in effect. Work Management Solutions shall have no obligation
hereunder to furnish the Customer with separately priced components to a
Licensed Program or Licensed Materials except as explicitly described in this
License Agreement, unless Customer has entered into an additional License
Agreement for such separately priced components. Work Management Solutions shall
continue to provide maintenance to the Licensed Program so long as it continues
to make the Licensed Program commercially available.

Service: Upon receipt of telephone or written notice(s) from the Customer
specifying failures or errors found in a Licensed Program, and upon receipt of
such additional information as Work Management Solutions may request, Work
Management Solutions will act in an expeditious manner to correct defects in the
current release of such Licensed Program, as long as it has not been
substantially altered by Customer. Work Management Solutions will provide Hot
Line Support services during normal business hours. Monday through Friday (8:30
AM - 5:30 PM, Eastern Time). Work Management Solutions is not obligated to
perform investigation and/or correction of defects found by Work Management
Solutions to be (i) in other than a current release which has not been
substantially altered by the Customer.

PROPRIETARY SOFTWARE LICENSE AGREEMENT
<PAGE>

                                                                  01A4-0199-102
                                                                  --------------
                                                                  License Number

                         WORK MANAGEMENT SOLUTIONS, INC.

or (ii) caused by negligence or modification of the Licensed Program or use
thereof in combination with software not provided by Work Management Solutions.

The Maintenance Plan shall be automatically renewed on an annual basis and the
Customer shall pay therefore according to the then current Maintenance Fee,
unless the Customer elects to cancel the annual renewal of the Maintenance Plan,
effective upon any anniversary date of the commencement of the Maintenance Plan,
by providing written notice to Work Management Solutions no less than thirty
(30) days prior to such anniversary date. Work Management Solutions shall
deliver to Customer an invoice no less than sixty (60) days prior to such
anniversary date. Such invoice shall be due and payable within 60 days. Customer
may elect at the execution of this Agreement, or upon any anniversary date
hereof, to purchase a Multi-Year Maintenance Plan by paying in advance to Work
Management Solutions maintenance fees for two or more years and receiving a
maintenance prepayment discount.

Maintenance Fees payable under this Section shall be established by Work
Management Solutions in its sole discretion. Notwithstanding the above, for the
first three years after contract execution, the annual Maintenance Fees shall
not be increased. For years thereafter, any Maintenance Fee increases shall be
limited to the percent change in the U.S. Department of Labor Consumer Price
Index for the calendar year prior to the renewal date of the Maintenance Plan.

8. PAYMENT. All Product License and Services Fees outlined on Page 1 of this
Agreement are due and payable as described in Schedule 1, Section D ("Payment
Terms"). All other fees and charges hereunder are due and payable in full upon
receipt of Work Management Solutions invoice by Customer. There shall be added
to all charges hereunder (i) all reasonable shipping, handling, travel and other
reasonable out-of-packet expenses incurred by Work Management Solutions in
connection with this Agreement or its performance; and (ii) amounts equal to any
taxes paid or payable by Work Management Solutions, however designated, levied,
or based on this Agreement, or on any Licensed Program or Licensed Materials,
its charges or its use, including without limitation, any value-added, royalty,
federal, state or local sales, use, and property taxes, and any taxes or amounts
in lieu thereof, exclusive, however, of taxes based on the net income of Work
Management Solutions. Customer will be charged interest at the rate of one and
one-half percent (1-1/2%) per month on all sums hereunder which remain unpaid
thirty (30) days after due, with such interest to commence on the due date.

9. GENERAL. The Customer acknowledges that he has read this Agreement,
understands it and agrees to be bound by all terms and conditions hereof. All
subsequent modifications, amendments, and waivers to this Agreement must be by
written instrument, executed by authorized representatives of the parties
hereto. In the event that any provision under this Agreement shall be deemed
illegal or otherwise unenforceable by any applicable statute or rule of law,
such provision shall be omitted and the entire Agreement shall not fail on
account thereof and the remainder of the Agreement shall continue in full force
and effect. No waiver of any breach of any provision of this Agreement shall
constitute a waiver of any other breach of any other provision hereof. Work
Management Solutions shall not be liable for delay or failure to perform its
obligations herein set forth if such delay or failure is due to any cause or
condition beyond its reasonable control. This Agreement shall be binding upon
and inure to the benefit of any successor of the Customer, who, whether by
merger, purchase, or otherwise, acquires all or substantially all of the assets
or business of the Customer.

Both parties agree that neither party shall solicit or hire the other party's
employees involved directly in the relationship established by this Agreement as
an employee or as a consultant in the same geographical region. This provision
shall remain in effect until one (1) year has passed since the date the last
services were provided by Work Management Solutions to Customer. Both parties
recognize that their employees are valuable resources whose loss may be damaging
to their respective businesses, and therefore, violation of this restriction
shall result in the violating party making an immediate restitution payment of
$250,000 to the other, payable within 30 days of the start date of the hired
employee or consultant.

All notices and other communications hereunder shall be by written instrument
and shall be deemed given upon certified mailing with return receipt, addressed
to the party to be notified at the address set forth on Page 2 of this

PROPRIETARY SOFTWARE LICENSE AGREEMENT
<PAGE>

                                                                  01A4-0199-102
                                                                  --------------
                                                                  License Number

                         WORK MANAGEMENT SOLUTIONS, INC.

Agreement, or, if to Work Management Solutions, addressed to Chief Financial
Officer, Work Management Solutions, Inc., 75 Wells Avenue, Newton, MA 02459.

This Agreement is governed and construed by the laws of the Commonwealth of
Massachusetts.

This Agreement, including all Addenda, attached hereto, represents the complete
and exclusive statement of the agreements between the parties and supersedes all
prior agreements and representations between them. In the event of conflict
between general Terms and Conditions, Schedule 1 and the Addenda, the following
order of precedence shall apply: Schedule 1, Addenda. Terms and Conditions. This
Agreement is binding upon the parties upon execution by Customer and acceptance
by Work Management Solutions.

Accepted By:

KEANE INC.                          WORK MANAGEMENT SOLUTIONS, INC.
-----------------------------       ------------------------------------

By:                                 By:

   /s/ Wallace A. Cataldo                    /s/ John J. Lucas
-----------------------------       ------------------------------------
   (Authorized Signature)                  (Authorized Signature)

                                          John J. Lucas, President
-----------------------------       ------------------------------------
     Wallace A. Cataldo                       (Name and Title)
  Vice President, Finance

          2/19/99                                  2/22/99
-----------------------------       ------------------------------------
          (Date)                                   (Date)

PROPRIETARY SOFTWARE LICENSE AGREEMENT
<PAGE>

                                                                  01A4-0199-102
                                                                  --------------
                                                                  License Number

                         WORK MANAGEMENT SOLUTIONS, INC.

                                   SCHEDULE 1

                                   Keane Inc.
                         Account4 Work Management System
               Product Pricing, Configuration and Service Schedule

A.   Licensed Program(s):                                     License Fee
     --------------------                                     -----------

-----------------------------------------------------------------------------
Account4 Work Management Software System
   Application: Professional Services                          [***]
   Database: Oracle
   Licensed number of Users: Unlimited
-----------------------------------------------------------------------------

-----------------------------------------------------------------------------
   Total License Fees (after all applicable discounts):        [***]
-----------------------------------------------------------------------------

Note that the Customer is fully responsible for providing the relational
database management software and other third party software and systems
required for the operation of the Account4 Work Management System.

B.    Professional Services:

      No Professional Services are purchased by Customer at this time.

C.    Software Maintenance Fee:

      Customer hereby purchases, as part of this Agreement, a Software
      Maintenance Plan, commencing upon delivery of the Licensed Program to
      Customer and extending for a term of one (1) year. Customer will pay a
      software maintenance fee equal to [***] for this Software Maintenance
      Plan.

D.    Payment Terms:

      Fifty Percent (50%) of all Software License and Software Maintenance fees
      [***] are due and payable upon contract execution; balance [***] due and
      payable thirty (30) days after delivery of the Licensed Program and
      Licensed Materials to Customer.

E.    License Fee Basis:

      Customer acknowledges that the License Fees described herein are based on
      the number of users of the Licensed Program. The total number of licensed
      users is equal to the number of Active Resource ID's plus the number of
      unique User ID's who do not have a Resource ID. Each person who logs into
      the Licensed Program must have a unique User ID. The sharing of User ID's
      is not permitted under this Agreement. Customer may be asked by Work
      Management Solutions to affirm, in writing, the number of users on the
      anniversary date of this License or the Maintenance Plan. The license fee
      described herein is based on an unlimited number of users.

PROPRIETARY SOFTWARE LICENSE AGREEMENT

 *** Certain information on this page has been omitted and filed separately
with the commission. Confidential treatment has been requested with respect
to the omitted portions.

<PAGE>

                                                                  01A4-0199-102
                                                                  --------------
                                                                  License Number

                         WORK MANAGEMENT SOLUTIONS, INC.

F.    Account4 Editor Use & Restrictions:

      Customer shall be limited to the use of the Account4 Editor to the
      modification and enhancement of the Licensed Program and Applications as
      defined in this schedule. Customer shall not be permitted to develop other
      Account4 applications without first obtaining a license for the Account4
      Editor and paying all appropriate license and maintenance fees. The
      Account4 Editor shall be licensed by amendment to this Agreement if not
      included in the original license parameter on Schedule 1, Section A above.

Accepted By:

KEANE INC.                          WORK MANAGEMENT SOLUTIONS, INC.
-----------------------------       ------------------------------------

By:                                 By:

   /s/ Wallace A. Cataldo                    /s/ John J. Lucas
-----------------------------       ------------------------------------
   (Authorized Signature)                  (Authorized Signature)

                                          John J. Lucas, President
-----------------------------       ------------------------------------
     Wallace A. Cataldo                       (Name and Title)
  Vice President, Finance

          2/19/99                                  2/22/99
-----------------------------       ------------------------------------
          (Date)                                   (Date)

PROPRIETARY SOFTWARE LICENSE AGREEMENT
<PAGE>

                                                                  01A4-0199-102
                                                                  --------------
                                                                  License Number

                         WORK MANAGEMENT SOLUTIONS, INC.

                                   ADDENDUM 1

                              ACCOUNT4 SOURCE CODE

                                ESCROW AGREEMENT

Work Management Solutions warrants that the current Account4 System source code
is on deposit with Data Securities International, Inc., (Escrow Agent) located
at 49 Stevenson Street, Suite 550, San Francisco, CA 94105, (619) 457-5199,
Account # 2315016-00001, and that Customer shall be enrolled as a SAFE
Beneficiary under Work Management Solutions' Deposit Agreement with Data
Securities International.

Upon due and punctual payment by Customer of the applicable Maintenance fees,
Work Management Solutions shall (a) continue its Deposit Agreement with Data
Securities International without interruption and in substantially the same form
as it currently exists, and (b) shall continue Customer as a SAFE Beneficiary
under this Deposit Agreement without interruption.

In the event that Work Management Solutions (i) breaches this Addendum 1; (ii)
discontinues its business of maintaining the Licensed Programs; or (iii) ceases
to do business, Customer shall be entitled to obtain release from escrow of a
copy of the source code escrowed under this provision, subject to the following
conditions:

      1.    Such source code shall be deemed to be Confidential Information of
            Work Management Solutions and shall be subject to the terms and
            provisions of the Agreement which govern Confidential Information.

      2.    Customer shall have a nonexclusive right to use such source code
            version for the limited purpose of maintaining the object code
            version of the applicable Licensed Programs so that the Licensed
            Programs can be used by Customer at the sites authorized by this
            Agreement.

PROPRIETARY SOFTWARE LICENSE AGREEMENT
<PAGE>

                                                                  01A4-0199-102
                                                                  --------------
                                                                  License Number

                         WORK MANAGEMENT SOLUTIONS, INC.

                                   ADDENDUM 2

                                ACCEPTANCE PERIOD

This License may be canceled at any time during the first forty-five (45) days
following installation of the complete Licensed Program (such installation to
occur within thirty (30) days of delivery of the Licensed Program), if the
Licensed Program does not perform as described in the technical documentation
provided as part of the Licensed Materials (i.e. User Guides and Reference
Manuals), or as described in the various marketing materials which may have been
provided to Customer. For the purposes of this Addendum, "installation of the
complete Licensed Program" shall have occurred upon Customer's execution of the
Installation Verification form (to be provided to Customer upon Licensed Program
delivery), and shall not include the installation of any customizations to be
delivered to Customer.

In the event that the Licensed Program shall fail to meet the above cited
conditions and Customer desires to terminate this License, Customer shall
provide Work Management Solutions with written notice of its intent to cancel
("Cancellation Notice"), including explanation of each area of unsatisfactory
performance by the Licensed Program. Work Management Solutions shall have
forty-five (45) days after receipt of said notice in which to cure such
unsatisfactory performance. Failure by Work Management Solutions to effect said
cure within forty-five (45) days after receipt of a Cancellation Notice shall
result in immediate cancellation of this License.

If Customer cancels this License under the provisions of this Addendum, Customer
agrees to pay Work Management Solutions for any training and consulting services
provided prior to cancellation, by Work Management Solutions, at a rate of one
thousand six hundred dollars ($1,600.00) per person per day, plus reasonable and
customary out-of-pocket expenses. These fees shall be the sole financial
responsibility of Customer in the event of cancellation. In the event of
cancellation, Work Management Solutions shall promptly refund all license and
maintenance fees paid by Customer, pursuant to Terms and Conditions Section 8 of
this Agreement, minus fees payable to Work Management Solutions for training and
consulting services rendered, as described in this Addendum.

Acceptance ("Acceptance") shall occur automatically at the close of business on
the forty-fifth day after installation of the Licensed Program or on the
seventy-fifth day after delivery of the Licensed Program, whichever comes first,
in the absence of receipt by Work Management Solutions of any Cancellation
Notice.

PROPRIETARY SOFTWARE LICENSE AGREEMENT<PAGE>

                                                                  Exhibit 10.4

                               SERVICES AGREEMENT

                                                         Agreement #4620899S-RLS

      Agreement between Work Management Solutions, Inc., a company whose address
is 119 Beach Street, Boston, Massachusetts 02111-2520 ("WMS"), and State Farm
Mutual Automobile Insurance Company, a mutual insurance company having its
corporate headquarters at One State Farm Plaza, Bloomington, Illinois, its
subsidiaries and affiliates ("STATE FARM").

                               W I T N E S S E T H

      WHEREAS, certain services are required by STATE FARM related to consulting
      and the training of STATE FARM personnel; and

      WHEREAS, WMS has agreed to provide such services.

      NOW THEREFORE, the parties agree as follows:

1.    WMS expressly agrees that it shall perform the services (the "Services")
      set out in each individual mutually agreed work order (the "Work Order"),
      the form of which is attached hereto and incorporated herein on Exhibit A.
      In consideration of WMS performing and completing its responsibilities
      hereunder, STATE FARM shall compensate WMS as stated in each applicable
      Work Order. Such compensation shall be due and payable at the later of (i)
      thirty (30) days following completion of the Service or (ii) thirty (30)
      days following STATE FARM's receipt of an accurate invoice. Such
      compensation shall include any and all travel expenses incurred by WMS. In
      no event shall any such travel and out-of-pocket expenses be reimbursed by
      STATE FARM to WMS in excess of the compensation stated in each applicable
      Work Order.

2.    In order to provide the Services, WMS agrees that at STATE FARM's request
      it shall meet with STATE FARM personnel at STATE FARM's offices in
      Bloomington, Illinois. The meeting times shall be mutually agreeable. Both
      parties acknowledge that it shall be necessary to cooperate in order to
      carry out this Agreement, and each agrees to reasonably cooperate with the
      other.

                                       1
<PAGE>

3.    WMS shall, and shall ensure that all of its employees and agents involved
      with the performance of the Services, keep confidential any proprietary,
      trade secret, business secret, copyright, patent or other such information
      of STATE FARM, or of any of its vendors, suppliers, or customers, which it
      learns as the result of carrying out its obligations hereunder. WMS
      expressly further agrees that it shall return any such information and
      copies thereof to STATE FARM upon completion of WMS's duties under this
      Agreement, or upon STATE FARM's request. The terms of this Section 3 shall
      survive the termination of this Agreement.

      STATE FARM shall keep confidential any proprietary, trade secret, business
      secret, copyright, patent or other such information of WMS, or any of its
      subsidiaries or affiliates, which it learns as a result of the Services
      provided hereunder. STATE FARM further agrees that it shall return any
      such information and copies thereof to WMS upon the completion of the
      Services or at WMS's request. The terms of the paragraph shall survive the
      termination of this Agreement. Notwithstanding the foregoing, STATE FARM
      shall not have any obligation with respect to any such information
      contained in or made a part of the Reports (as such term is defined in
      Exhibit A attached hereto). The parties hereto specifically agree that
      STATE FARM will be the sole and absolute owner of the ideas and techniques
      contained in the Reports with respect to STATE FARM's business and that
      STATE FARM may disclose such to any party without violation of this
      paragraph.

4.    WMS expressly warrants to STATE FARM that:

            (i) It has the ability and expertise to perform its responsibilities
            hereunder and in doing so shall use the highest standards of
            professional workmanship. STATE FARM shall have the right to reject
            at any time any employees of WMS or its subsidiaries, affiliates or
            assignees whose qualifications, in STATE FARM's sole judgment, do
            not meet the standards hereunder.

            (ii) All Reports provided to STATE FARM by WMS as a product of the
            Services, and the ideas and techniques contained therein with
            respect to STATE FARM's business, shall be the sole and absolute
            property of STATE FARM, subject to a nonexclusive license to use and
            disclose any preexisting proprietary materials of WMS contained
            therein.

                                       2
<PAGE>

            (iii) Any Reports, or Services furnished or used under this
            Agreement do not or will not infringe upon or violate a patent,
            copyright, license or other property or proprietary right held, or
            misappropriate a trade secret or other property right claimed by a
            third party. WMS at its own expense shall defend and hold STATE FARM
            fully harmless against any action asserted against STATE FARM (and
            specifically including costs and reasonable attorneys' fees
            associated with any such action) to the extent that it is based on a
            claim that use of the Reports within the scope of this Agreement
            infringes any patent, copyright, license or other property right or
            proprietary right of any third party except to the extent such
            Reports have been altered or modified by anyone other than WMS, or
            its affiliates or assignees. STATE FARM shall promptly notify WMS in
            writing of any such claim. In the event of an action for
            infringement WMS may, in its sole discretion, at its expense, (i)
            obtain for STATE FARM the right to use the Reports; (ii) modify the
            Reports so as to render them non-infringing; (iii) provide STATE
            FARM with functionally equivalent substitute Reports; or (iv) if
            none of the other options set forth in this paragraph can be
            reasonably achieved, refund to STATE FARM all fees paid to WMS under
            this Agreement in full satisfaction of WMS's obligations, except for
            those obligations set forth in Sections 4(iii) and 8 hereunder.

            (iv) STATE FARM shall not have an obligation to effect any or all of
            the recommendations or proposals of WMS as set forth in the Reports.

5.    Subject to the provision of Section 4(ii) of this Agreement, the parties
      agree that the Reports produced hereunder shall be considered a work made
      for hire. WMS transfer, assigns, sells and conveys all rights to the
      Reports produced hereunder to STATE FARM, including but not limited to
      copyright, trade secret, trademark and patent.

6.    WMS shall not disclose or otherwise identify STATE FARM orally or in any
      of WMS's advertising, publications, or other media to be displayed or
      disseminated to WMS's customers or other parties.

7.    The parties expressly agree that the WMS shall be an independent
      contractor for all purposes in the performance of this Agreement and shall
      not be an employee of STATE FARM.

                                       3
<PAGE>

8.    WMS expressly agrees anything herein to the contrary notwithstanding, that
      it shall indemnify and hold STATE FARM fully harmless against any damages
      of any kind whatsoever, including costs and reasonable attorneys' fees,
      STATE FARM shall incur as a result of injuries to persons or damage to
      tangible property caused by the negligent acts of, or negligent failure to
      act by WMS, its employees or agents while on STATE FARM's premises.

      STATE FARM expressly agrees anything to the contrary notwithstanding, that
      it shall indemnify and hold WMS fully harmless against any damages of any
      kind whatsoever, including costs and reasonable attorneys' fees, WMS shall
      incur as a result of the negligent acts of, or negligent failure to act by
      STATE FARM, its employees or agents while on WMS's premises.

9.    EXCEPT AS SET FORTH IN SECTIONS 4(iii) AND 8 OF THIS AGREEMENT, NEITHER
      PARTY WILL BE LIABLE TO THE OTHER FOR SPECIAL, INDIRECT, CONSEQUENTIAL OR
      INCIDENTAL LOSSES OR DAMAGES OF ANY KIND OR NATURE WHATSOEVER, INCLUDING
      BUT NOT LIMITED TO LOST PROFITS, LOST RECORDS OR DATA, LOST SAVINGS, LOSS
      OF USE OF FACILITY OR EQUIPMENT, LOSS BY REASON OF FACILITY SHUT-DOWN OR
      NON-OPERATION OR INCREASED EXPENSE OF OPERATIONS, OR OTHER COSTS, CHARGES,
      PENALTIES, OR LIQUIDATED DAMAGES, REGARDLESS OF WHETHER ARISING FROM
      BREACH OF CONTRACT, WARRANTY, TORT, STRICT LIABILITY OR OTHERWISE, EVEN IF
      ADVISED OF THE POSSIBILITY OF SUCH LOSS OR DAMAGE OR IF SUCH LOSS OR
      DAMAGE COULD HAVE BEEN REASONABLY FORESEEN.

      EXCEPT FOR SECTIONS 4(iii) AND 8 OF THIS AGREEMENT, STATE FARM AGREES THAT
      WMS'S LIABILITY HEREUNDER REGARDLESS OF FORM OF ACTION, SHALL NOT EXCEED
      THE TOTAL AMOUNT PAID FOR SERVICES UNDER THIS AGREEMENT. EXCEPT FOR
      SECTIONS 4(iii) AND 8 OF THIS AGREEMENT, IN NO EVENT WHATSOEVER SHALL
      STATE FARM'S LIABILITY TO WMS FOR ANY OTHER REASON WHATSOEVER EXCEED IN
      THE AGGREGATE THE MUTUALLY AGREED TO COMPENSATION FOR SERVICES PROVIDED
      UNDER THE AGREEMENT.

 10.  No action, whether in contract or tort, including negligence, arising out
      of the performance of services under this Agreement may be brought by
      either party more than eighteen (18) months after the cause of action
      accrues.

                                       4
<PAGE>

11.   It is expressly understood that if either party, on any occasion fails to
      perform any term of this Agreement, and the other party does not enforce
      that term, the failure to enforce on that occasion shall not constitute a
      waiver of that term by the other party.

12.   If either party neglects or fails to perform any of its obligations under
      this Agreement and such failure continues for a period of ten (10) days
      after notice thereof, the other party shall have the right to terminate
      this Agreement. Both parties acknowledge that the determination of actual
      damages in the case of nonperformance by either party will be difficult or
      impossible. Both parties therefore agree that damages under this Agreement
      will be as follows: In the event of WMS's default, WMS shall forfeit its
      fees hereunder and no fee shall be payable to it; and in the event of
      STATE FARM's default, WMS shall receive only the portion of the total fee
      representing work previously completed, but in no event shall this amount
      exceed the total fee. This measure of damages shall be interpreted as
      liquidated damages, and not as a penalty.

13.   Anything in the Agreement to the contrary notwithstanding, WMS may not
      delegate or assign any or all of its duties under the Agreement to any
      other entity, including an entity which affiliates or merges with or
      acquires WMS, except when such delegation or assignment is approved in
      advance by STATE FARM in writing, which approval STATE FARM may in its
      sole discretion grant or deny. WMS is authorized by STATE FARM to
      subcontract its obligations hereunder with Plan View, Inc., an affiliated
      company, provided Plain View, Inc., its employees and agents will meet all
      of the requirements under this Agreement and WMS will remain primarily
      liable under this Agreement.

14.   This Agreement together with the Exhibits attached hereto shall be an
      agreement binding upon each of the parties hereto, their successors, and
      to the extent permitted their assigns. This Agreement shall be governed by
      the laws of the State of Illinois without regard to conflict of laws
      provisions. This Agreement cannot be amended or otherwise modified except
      as agreed to in writing by each of the parties hereto. This Agreement and
      the Exhibits attached hereto represent the sole agreement between the
      parties and supersedes and merges any prior agreement oral or written
      between the parties with respect to the subject matter hereof.

                                       5
<PAGE>

IN WITNESS WHEREOF, WMS and STATE FARM have caused this Agreement to be executed
by their respective, duly authorized officers. This Agreement shall become
effective on the date the second of the two parties to sign executes this
Agreement below.

WORK MANAGEMENT                         STATE FARM MUTUAL AUTOMOBILE
SOLUTIONS, INC.                         INSURANCE COMPANY
119 Beach Street                        One State Farm Plaza
Boston, MA 02111                        Bloomington, IL 61710

/s/ S.M. Grange                         /s/ Dennis McCormick
-----------------------------------     --------------------------------------
Signature                               Signature

S.M. GRANGE                             Dennis McCormick
-----------------------------------     --------------------------------------
Printed or Typed Name                   Printed or Typed Name

V.P. Consulting Services                Assistant VP, Administrative Services
-----------------------------------     --------------------------------------
Title                                   Title

Sep. 25, 1996                                  9-26-96
-----------------------------------     --------------------------------------
Date                                    Date

                                       6

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