Document:

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                                                                    EXHIBIT 10.4

                              RYAN, BECK & CO., LLC
                           COMMON UNIT OPTION PROGRAM

                  1. PURPOSES OF THE PLAN. The general purpose of this Common
Unit Option Program (the "Plan") is to promote the interests of Ryan, Beck &
Co., LLC, a New Jersey limited liability company (the "LLC" or the "Company")
and its current sole member, BankAtlantic Bancorp, Inc., a Florida corporation
(the "Majority Member") by (i) providing certain managers, officers and
employees of the LLC and subsidiaries of the LLC (the "Participants") with an
option to purchase Common Units of the LLC (an "Option") and thereby provide an
additional incentive to continue and increase their efforts aimed at furthering
the growth and success of the LLC and its subsidiaries, (ii) providing a means
for attracting and retaining the best available personnel to participate in the
ongoing business operations of the LLC and its subsidiaries, and (iii) providing
a means for rewarding outstanding performance by any of the persons described
above.

                  2. DEFINITIONS. Capitalized terms used in this Plan that are
not defined herein shall have the meanings given to such terms in the LLC's
Limited Liability Company Amended and Restated Operating Agreement dated as of
March 29, 2002, as amended from time to time thereafter (the "LLC Agreement").

                  3. COMMON UNITS SUBJECT TO THIS PLAN. As of March 29, 2002,
there were issued to the Majority Member 5,000,000 Common Units of the LLC. Not
more than a total of ten percent of the units of the LLC as of March 29, 2002,
or 500,000 Common Units in the aggregate, may be granted pursuant to Awards
granted hereunder. Common Units issued under this Plan and later repurchased or
otherwise reacquired by the LLC shall, unless this Plan shall have been
terminated, become available for future grants under this Plan. In the event
that any Option to purchase Common Units expires or is forfeited for any reason,
the Common Units allocable to the unexercised or forfeited Option may again
become available for future grants under this Plan. All Common Units issuable
upon exercise of an Option granted under this Plan shall be issued pursuant to
the LLC Agreement, this Plan and an Option Award Agreement between the LLC and
the Participant (the "Option Award Agreement"). Options for more than 250,000
Common Units may not be issued to any single Participant during the term of the
Plan.

                  4. ADMINISTRATION OF THE PLAN.

                  (a) PROCEDURE. This Plan shall be administered by the Board of
Directors of the LLC (the "Board"). Subject to the provisions of this Plan and
the LLC Agreement including in each case subject to the rights of the Majority
Member hereunder, the Board shall have all powers and discretion necessary or
appropriate to administer the Plan and to control its operations, including
without limitation, to do the following: (i) to grant Options for such period as
the Board shall determine; (ii) to determine the cash consideration, if any,
required to be paid by a Participant upon exercise of an Option, specifically
subject to Section 6(a)(iv) hereof; (iii) to determine the Participants to whom,
and the time or times at which, and the other terms upon which Options shall be
granted specifically subject to Section 6(a); (iv) to interpret and resolve all
questions arising under this Plan; (v) to prescribe, amend and rescind rules and
regulations relating to this Plan and, in the exercise of this power, to correct
any defect, omission or

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inconsistency in this Plan or in any agreement relating to an Option (including,
without limitation, any Option Award Agreement or Grant Letter), in a manner and
to the extent the Board shall deem necessary or expedient to make this Plan
fully effective; (vi) with the consent of the Participant, modify or amend the
terms of each Option; (vii) to authorize any person to execute on behalf of the
LLC any instrument required to effectuate the grant of an Option previously
granted by the Board, including, without limitation, the Option Award Agreement
and Grant Letter related thereto; and (viii) to make all other determinations
deemed necessary or advisable for the administration of this Plan.

                  (b) DELEGATION BY THE BOARD. The Board, in its sole discretion
and on such terms and conditions as it may provide, may delegate all or any part
of its authority and powers under the Plan to the Compensation Committee of the
Board (the "Compensation Committee"), which shall consist of a majority of
outside directors.

                  (c) BOARD'S DETERMINATIONS. Subject to Section 6(a), in making
determinations under this Plan, the Board may take into account the nature of
the services rendered by the respective Participants, their present and
potential contributions to the success of the LLC, or its subsidiaries, as the
case may be, and such other factors as the Board in the Board's discretion shall
deem relevant. Subject to Section 6(a), all decisions, determinations and
interpretations of the Board shall be final and binding on all persons,
including without limitation Participants to whom Options are granted under this
Plan and all holders of Common Units so purchased ("Unitholders").

                  5. ELIGIBILITY. Options granted hereunder may be granted only
to persons who are managers, officers or employees of the LLC or its
subsidiaries. No person shall have the right to participate in the Plan except
as the Board may determine. Any person selected by the Board for participation
during any one period will not by virtue of such participation have the right to
be selected as a participant for any other period. A Participant who has been
granted an Option may, if such Participant is otherwise eligible, be granted
additional Options.

                  6. TERMS OF GRANT.

                  (a) RIGHTS TO PURCHASE. Options may be granted under the Plan
at any time and from time to time prior to termination of the Plan pursuant to
Section 8(b) hereof. Prior to granting Options hereunder to executive officers
of the Company, the Chairman of the Board shall notify in writing via e-mail or
other means, the President of the Majority Member (or in his absence or
incapacity, its chief financial officer) of the names of the proposed
Participants and the proposed terms, including vesting schedule, of their grant.
The President (or in his absence or incapacity, the chief financial officer)
shall have the right to approve or object in writing via e-mail or other means
to such grants. If such grants are not approved, they shall not be made. Subject
to the provisions of the Plan, the Board shall have authority and discretion to
determine:

                           (i) the Participant(s) to whom Options are to be
         granted hereunder;

                           (ii) the time or times at which such Options shall be
         granted;

                           (iii) the number of Common Units subject to each
         Option;

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                           (iv) the per-unit cash purchase price (the "Purchase
         Price") for the Common Unit to be issued subject to the exercise of
         Options granted pursuant to the Plan and each applicable Option Award
         Agreement, which Purchase Price shall be determined at the time each
         Option is granted by the Board, and, unless otherwise approved in
         advance by both the Compensation Committee and the Majority Member, may
         not be less than the fair market value per-unit as of the date of grant
         as determined in good faith by the Compensation Committee, confirmed by
         an independent valuation service engaged by the Board, and approved by
         the Majority Member;

                           (v) the time or times after grant when such Options
         may be exercised;

                           (vi) any vesting schedule with respect to the
         Options; and

                           (vii) such other terms and conditions applicable to
         any Option that are not inconsistent with this Plan, the LLC Agreement,
         the Grant Letter and the Option Award Agreement between the LLC and the
         Participant.

The terms and conditions of any Option granted hereunder need not be identical
to those of any other Option granted hereunder.

                  (b) GRANT BY GRANT LETTER; METHOD OF EXERCISE - OPTION AWARD
AGREEMENT. Each Option granted under the Plan shall be approved by the Board and
evidenced by a letter executed by the LLC and addressed to the prospective
Participant (the "Grant Letter").

                  To exercise the Option, the Participant first must deliver a
written notice of a proposed exercise date to the Chief Executive Officer of the
Company not less than 10 days prior to the Participant's proposed exercise date,
giving the specific exercise date and amount of units being exercised. The
Company may delay the exercise date by up to 25 business days by written notice
to the Participant (and if the Company extends the exercise date, the
Participant shall continue to have the right to exercise through such extended
exercise date). Each exercise of such Option by the Participant shall be
evidenced by (i) payment in full, in cash or other immediately available funds,
of the Purchase Price for the Common Units (issuable upon exercise of the
Option) within the Exercise Period (as defined in the Grant Letter), in each
case as specified in the Grant Letter, (ii) payment of all applicable
withholding taxes, and (iii) the execution and delivery by the Participant to
the LLC of the Option Award Agreement attached to the Grant Letter with respect
to such Option, the LLC Agreement as amended from time to time and the Right of
First Refusal and Drag Along Agreement, as amended from time to time (the
"Drag-Along Agreement"). Each Option Award Agreement shall contain such terms
and conditions as the Board in its discretion shall determine, and shall be
executed by each of the LLC and the Participant. In the case of any
inconsistency between or among the LLC Agreement, the Plan, the Drag-Along
Agreement, the Option Award Agreement or the Grant Letter, the provisions of the
document earliest in this sentence shall govern.

                  (c) TRANSFER. Options authorized hereunder and granted
pursuant to a Grant Letter and an Option Award Agreement shall not be
transferable otherwise than by testamentary will or by the laws of descent and
distribution, and during a Participant's lifetime an Option shall be exercisable
only by the Participant. Common Units purchased upon the exercise of an Option

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pursuant to this Plan shall not be transferable except as permitted by the terms
of the LLC Agreement and Option Award Agreement between the LLC and the
transferor Participant.

                  (d) EXECUTION OF LLC AGREEMENT ADDENDUM. Unless otherwise
provided by the Board and the Majority Member, no Common Units shall be issued
to a Participant upon the exercise of an Option until and unless such
Participant executes an addendum to the LLC Agreement, pursuant to which the
Participant agrees to be bound by all of the terms and conditions of such
agreement. COMMON UNITS SHALL BE TRANSFERABLE ONLY IN ACCORDANCE WITH THE TERMS
OF THE LLC AGREEMENT, THE AWARD AGREEMENT AND THE DRAG-ALONG AGREEMENT AND ANY
APPLICABLE FEDERAL AND STATE LAW. ANY PURPORTED TRANSFER IN VIOLATION OF THE LLC
AGREEMENT, THE AWARD AGREEMENT AND THE DRAG-ALONG AGREEMENT SHALL BE INVALID.

                  (e) TAX WITHHOLDING. In the event that the LLC is required to
withhold any Federal, state, local or employment taxes in respect of any
compensation income realized by the Participant in respect of Options granted
hereunder or in respect of any Common Units so purchased, the LLC shall deduct
from any payments of any kind otherwise due to such Participant the aggregate
amount of such Federal, state, local or employment taxes required to be so
withheld or, if such payments are due or to become due to the LLC, then such
Participant shall be required to pay to the LLC, or to make other arrangements
satisfactory to the LLC regarding payment to the LLC of the aggregate amount of
all such taxes. All matters with respect to the total amount of taxes to be
withheld in respect of any such compensation income shall be determined by the
Board in its sole discretion. Notwithstanding anything contained in the Plan,
the Option Award Agreement or the Grant Letter to the contrary, the
Participant's satisfaction of any tax-withholding requirements imposed by the
Board shall be a condition precedent to the LLC's obligation as may otherwise be
provided hereunder to provide Common Units to the Participant, and the failure
of the Participant to satisfy such requirements with respect to the exercise of
an Option shall cause such Option to be forfeited.

                  (f) NO EVIDENCE OF EMPLOYMENT OR SERVICE. Nothing contained in
the Plan or in any Grant Letter or Option Award Agreement shall confer upon any
Participant any right with respect to the continuation of his or her employment
by or service with the LLC or its subsidiaries or interfere in any way with the
right of the LLC or its subsidiaries or any successor thereto to not employ the
Participant or at any time to terminate the Participant's employment or service,
for any reason or no reason, with or without cause, or to increase or decrease
the compensation of the Participant from the rate in existence on the date an
Option is granted, in each case subject to the provisions of applicable law and
an employment agreement or services agreement, if any, then in effect with the
Participant.

                  7. ADJUSTMENTS.

                  (a) CAPITAL EVENTS. In the event that the outstanding number
of the LLC's Common Units shall be increased or decreased or changed into or
exchanged for a different number or kind of membership units or other securities
of the LLC or of another legal entity through reorganization, merger,
consolidation, recapitalization, reclassification, unit split, split-up,
combination or exchange of units or declaration of any distributions payable in

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Common Units, the Board with the concurrence of the Majority Member shall make
appropriate adjustments, if any, to (i) the number of Common Units (and the
Purchase Price per Common Unit established under the Option Award Agreement for
such Common Units) subject to any unexercised Option hereunder, and (ii) the
aggregate number of Common Units subject to Options granted under this Plan
pursuant to Section 3 hereof.

                  (b) CERTAIN DISTRIBUTIONS AND PURCHASES REQUIRING NO
ADJUSTMENT. There shall be no adjustments to outstanding Options upon the
issuance of additional Common Units for cash or other consideration upon a
determination by the Board and the Majority Member in their sole and absolute
discretion that the consideration is fair. Further, no adjustment shall be made
to outstanding options upon distributions to holders of Common Units except in
the case of extraordinary distributions of cash or property as determined by the
Board and the Majority Member, in which case the Board with the concurrence of
the Majority Member shall make such adjustments to the outstanding options as
appropriate.

                  (c) OTHER CHANGES. Notwithstanding the foregoing, in the event
of (i) any offer generally to all of the holders of the LLC's Units (including
without limitation the Common Units) relating to the acquisition of their Units,
including without limitation, through purchases, merger or otherwise, or (ii)
any transaction generally relating to the acquisition of substantially all of
the assets of the LLC, the Board with the concurrence of the Majority Member may
make such adjustment as it deems equitable in respect of any outstanding
Options. Any such determination by the Board shall be effective and binding for
all purposes of this Plan.

                  (d) CONVERSION TO CORPORATE FORM. If the Board of Directors of
the Company and the Majority Member determine to reorganize the Company as a
corporation, the Company may be reorganized as a New Jersey (or other state)
corporation and, in connection therewith, its Common Units may be reclassified
as shares of stock in such corporation on such terms and conditions as are
approved by both the Board of Directors and the Majority Member. In such event,
the Board of Directors shall make appropriate provisions for the Units to
represent equivalent options to purchase common stock in the corporation with
substantially the same terms and conditions. In such event no consent or
approval shall be required from Participant for the reorganization, the terms of
the certificate of incorporation, revisions to the Drag Along Agreement or any
other terms of the reorganization.

                  (e) REFERENCES TO APPROVAL BY THE MAJORITY MEMBER. Any
references in this Plan to approval by the Majority Member shall cease if and
when the Majority Member owns less than fifty percent of the outstanding Units.
However, at such time the approval of the holders of a majority of the units
outstanding shall be required.

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                  8. AMENDMENT AND TERMINATION.

                  (a) AMENDMENT. Subject to the LLC Agreement, the Board may
amend this Plan from time to time in such respects as the Board may deem
advisable with the consent of the Majority Member.

                  (b) SUSPENSION AND TERMINATION. The Board may suspend or
terminate this Plan at any time. No Options may be granted while this Plan is
suspended or after it is terminated.

                  (c) EFFECT OF AMENDMENT, TERMINATION OR SUSPENSION. Any such
amendment, termination or suspension of this Plan shall not affect any Options
already granted nor any Common Units so purchased, unless mutually agreed
otherwise between the Participant and the LLC, which agreement must be in
writing and signed by the Participant and the LLC. Notwithstanding the foregoing
or any other provision of this Plan, the LLC Agreement may be amended without
the consent of any Participant, regardless of the effect on any Participant.

                  9. COMPLIANCE WITH LAW; LEGENDS.

                  (a) COMPLIANCE WITH LAW. No Common Units shall be issued or
sold with respect to Options granted under the Plan unless the issuance and
delivery of such Common Units shall comply with all relevant provisions of law,
including, without limitation, the Securities Act of 1933, as amended, the
Securities Exchange Act of 1934, as amended, and the rules and regulations
promulgated thereunder and applicable state securities laws, and shall be
further subject to the approval of counsel for the LLC with respect to such
compliance. As a condition to the issuance of Common Units upon exercise of an
Option, the LLC may require the person purchasing or accepting such Common Units
to make such representations and warranties at the time of any such purchase as
the LLC may at that time determine, including without limitation representations
and warranties contained in the Option Award Agreement, to the effect that (i)
the Common Units are being acquired only for investment and not with a view to
sell or distribute such Common Units, and (ii) such person is knowledgeable and
experienced in financial and business matters and is capable of evaluating the
merits and the risks associated with purchasing or acquiring the Common Units.

                  (b) LEGEND ON UNIT CERTIFICATES. Certificates, if any,
representing Common Units purchased pursuant to this Plan shall contain a legend
containing substantially the following:

                  THE COMMON UNITS REPRESENTED BY THIS CERTIFICATE HAVE NOT BEEN
         REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE "ACT"),
         AND MAY NOT BE TRANSFERRED, SOLD OR DISPOSED OF IN THE ABSENCE OF
         REGISTRATION OR AN EXEMPTION THEREFROM UNDER THE ACT.

                  THESE COMMON UNITS ARE SUBJECT TO (i) CERTAIN RESTRICTIONS ON
         TRANSFER AS SET FORTH IN THE OPERATING AGREEMENT OF RYAN, BECK & CO.,
         LLC (THE "COMPANY"), DATED AS OF MARCH 29, 2002 AS AMENDED FROM TIME TO
         TIME, (ii)

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         CERTAIN RESTRICTIONS ON TRANSFER AND CERTAIN OBLIGATIONS AS SET FORTH
         IN THE DRAG-ALONG AGREEMENT, DATED MARCH 29, 2002, AS AMENDED FROM TIME
         TO TIME, AND (iii) CERTAIN RIGHTS OF REPURCHASE AS SET FORTH IN AN
         OPTION AWARD AGREEMENT DATED, 2002

                  BETWEEN THE COMPANY AND AS AMENDED FROM TIME TO TIME. A COPY
         OF SUCH AGREEMENTS ARE ON FILE AT THE COMPANY'S PRINCIPAL OFFICES.

                  (c) LACK OF AUTHORITY. The inability of the LLC to obtain
authority from any regulatory body having jurisdiction, which authority is
deemed by the LLC's counsel to be necessary to the lawful issuance of Options
and sale of any Common Units under this Plan, shall relieve the LLC of any
obligation to issue or sell (including any liability in respect of the failure
to issue or sell) such Common Units as to which such requisite authority shall
not have been obtained.

                  10. NON-EXCLUSIVITY OF THIS PLAN. The adoption of this Plan by
the Board shall not be construed as creating any limitations on the power of the
Board to adopt such other incentive arrangements as the Board may deem
desirable, including, without limitation, the awarding of cash, and such
arrangements may be either generally applicable or applicable only in specific
cases.

                  11. GOVERNING LAW. THIS PLAN SHALL BE GOVERNED BY, AND
CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW JERSEY, WITHOUT
REGARD TO THE CONFLICTS OF LAW PROVISIONS THEREOF.

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                                                                    EXHIBIT 10.1

                            ASSET PURCHASE AGREEMENT

        This Asset Purchase Agreement ("AGREEMENT") is made as of May 28, 2002,
by and among PRIVATE BUSINESS, INC. a Tennessee corporation ("BUYER"), CAM
COMMERCE SOLUTIONS, INC., a Delaware corporation ("SELLER").

                                R E C I T A L S:

        Seller owns and operates a business division known as Access Retail
Management, which provides merchandise planning services (the "BUSINESS").

        The Business is operated as a division of Seller that is separate and
distinct from Seller's other business operations, such that assets of the
Business can be separately identified and transferred to Buyer.

        Buyer desires to purchase from Seller, and Seller desires to sell and
transfer to Buyer, all the assets except cash and accounts receivables, used in
connection with the Business as described below.

        Buyer desires to be appointed as a reseller of products and services
marketed and sold by other divisions of Seller, to wit the Retail STAR(TM) and
X-Charge(TM) product lines.

        NOW, THEREFORE, for good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, the parties, intending to be
legally bound hereby, agree as follows:

                                   ARTICLE 1.
                 PURCHASE AND SALE OF ASSETS; RESELLER AGREEMENT

        1.1 Assets. Seller hereby agrees to sell, assign, transfer, convey and
deliver to Buyer, or to such subsidiary of Buyer as Buyer may designate, and
Buyer hereby agrees to purchase and accept from Seller, pursuant to the terms of
this Agreement, the assets of Seller used in connection with the Business as of
the date of Closing (the "ASSETS"), including but not limited to the following,
but excluding any Excluded Assets described in Section 1.3:

                (a) All goodwill associated with the Business.

                (b) All furniture, fixtures and equipment ("EQUIPMENT").

                (c) All technical and office supplies ("SUPPLIES").

                (d) To the extent assignable, all licenses, permits,
registrations and consents necessary to operate and conduct the Business.

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                (e) The Assumed Leases and Contracts identified in Section 1.2.

                (f) All rights to all trademarks and trade names and any
derivatives thereof (including, without limitation, "ACCESS RETAIL" and "ACCESS
RETAIL MANAGEMENT"), copyrights, logos, service marks and other intangible
property pertaining to the Business; but excluding any such marks, rights or
property which are not specifically related to the Business and which have been,
and continue to be, used by Seller in connection with Seller's other business
divisions.

                (g) All intellectual property, including computer software,
which has been used in connection with the Business and which can be used by the
Buyer in the operation of the Business following the Closing.

                (h) All customer lists, customer contacts, and customer
relationships that are related to the Business.

                (i) All other assets, tangible and intangible, used in
connection with the Business; but excluding any such property which is not
specifically related to the Business and which has been, and continues to be,
used by Seller in connection with Seller's other business divisions.

        1.2 Assumed Liabilities. Except for the leases, contracts or other
liabilities listed in Exhibit 1.2 attached hereto (the "ASSUMED LEASES AND
CONTRACTS"), Buyer shall not assume any debt, account payable, liability,
obligation, agreement, contract or lease, nor any liability under local, state
or federal laws, of Seller. Seller shall retain liability for, and shall
indemnify Buyer against, any liabilities of Seller not listed on Exhibit 1.2.

        It is the intent of the parties that, except for the specific
liabilities and obligations described in Exhibit 1.2, Buyer shall not be liable
for any other liabilities or obligations of Seller, or related in any way to the
Business or the Assets whatsoever, whether fixed or contingent, known or
unknown, liquidated or unliquidated, arising now or in the future, and Seller
shall jointly and severally indemnify Buyer against any and all such
liabilities. Seller shall pay all liabilities and obligations not expressly
assumed by Buyer as of the Closing. Buyer does not assume, and no transferee
liability shall attach to Buyer with respect to, any liabilities or obligations
of Seller or related in any way to the Business or the Assets or actions of
Seller, which are not specifically assumed by Buyer pursuant to this Agreement,
including, without limitation, liabilities arising in connection with the
operation of the Business and the activities of Seller prior to the Closing. The
elimination of any risk of such transferee liability attaching to Buyer is a
primary inducement to Buyer's entering into this transaction, in that Buyer
would not have entered into this transaction under circumstances where any such
transferee liability would or might attach to Buyer. The entire negotiations of
the parties with respect to this transaction, including the purchase price, were
based upon the assumption and Agreement that Buyer would not succeed to any
liability or obligation of Seller, or related in any way to the Business or the
Assets, except for those liabilities and obligations expressly assumed in
Exhibit 1.2.

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        1.3 Excluded Assets. Specifically excluded from the purchase and sale
contemplated hereunder are Seller's cash and accounts receivable arising on or
prior to the date of Closing and any other items listed on Exhibit 1.3 hereto
("EXCLUDED ASSETS"). After the Closing, Buyer will use its reasonable efforts to
collect accounts receivable that are outstanding as of the Closing. Buyer shall
remit to Seller any payments received on such accounts receivable as soon as
practical after receipt thereof.

        1.4 Reseller Agreement. Contemporaneous with the Closing, and as a
condition thereof, Seller and Buyer shall execute a Dealer Agreement, whereby
Buyer will be appointed as an authorized reseller of Seller's Retail STAR(TM)
and X-Charge(TM) product lines, which Dealer Agreement, as attached in Exhibit
1.4.

                                   ARTICLE 2.
                                 PURCHASE PRICE

        The purchase price for the Assets and the noncompetition provisions of
Article 8 hereof (the "PURCHASE PRICE") payable by Buyer to Seller shall be
Eight Hundred Thousand Dollars ($800,000) payable at Closing. The Purchase Price
shall be allocated among the Assets as set forth on Exhibit 2.

                                   ARTICLE 3.
                                 PRORATED ITEMS

        3.1 Employees. Seller, and not Buyer, shall be responsible for payment
of any salary, wages, bonuses and benefits (including vacation and sick pay) of
Seller's employees, accrued as of Closing. Seller shall be responsible for any
severance payments or benefits due Seller's employees as a result of the
transactions contemplated hereunder, including any obligations under 29 U.S.C.
1161 et. seq. or 26 U.S.C. 4980B ("COBRA").

        3.2 Assumed Leases and Contracts. All amounts due and payable and all
liabilities and obligations relating to the Assumed Leases and Contracts shall
be prorated as of Closing. All Assumed Leases and Contracts shall be brought
current as of Closing by Seller.

        3.3 Taxes. All state, city and county personal property taxes, if any,
which are directly attributable to the Assets or the Business shall be prorated
between the parties as of the Closing. Buyer shall pay only the pro rata share
of such taxes arising with respect to the period after the Closing regardless of
when such taxes are assessed.

                                   ARTICLE 4.
                     SELLER'S REPRESENTATIONS AND WARRANTIES

        Seller hereby represents and warrants to Buyer as of Closing, as
follows:

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        4.1 Organization and Authority. Seller is a corporation duly organized
and validly existing in the State of Delaware. Seller is the sole owner of the
Business and has the full power and authority to own, lease and operate the
Business and the Assets as presently owned, leased and operated, and to carry on
the Business as it is now being conducted, and has the requisite power and
authority to enter into and perform its obligations under this Agreement without
the consent, approval or authorization of, or obligation to notify, any person,
entity or governmental agency, which consent has not been obtained. Seller has
the full right, power and authority to execute, deliver and carry out the terms
of this Agreement and all documents and agreements necessary to give effect to
the provisions of this Agreement and to consummate the transactions contemplated
on the part of Seller hereby. The execution, delivery and consummation of this
Agreement and all other agreements and documents executed in connection herewith
by Seller have been duly authorized by all necessary action on the part of
Seller. No other action on the part of Seller or any other person or entity is
necessary to authorize the execution, delivery and consummation of this
Agreement and all other agreements and documents executed in connection herewith
by Seller. This Agreement and all other agreements and documents executed in
connection herewith by Seller, upon due execution and delivery thereof by all
parties, constitute valid and binding obligations of Seller enforceable in
accordance with their respective terms.

        4.2 Absence of Default. The execution, delivery and consummation of this
Agreement and all other related agreements and documents by Seller do not
constitute a violation of, and will not be in conflict with, and will not, with
or without the giving of notice or the passage of time, or both, result in a
breach of or constitute a default under any agreement or document, or create (or
cause the acceleration of the maturity) of any debt, indenture, obligation or
liability affecting the Assets, or result in the creation or imposition of any
security interest, lien, charge or other encumbrance upon any of the Assets.

        4.3 Leases and Contracts.

                (a) Exhibit 4.3 attached hereto sets forth a complete and
accurate list of all contracts, agreements, leases and commitments, oral or
written, and all assignments, amendments and exhibits thereto, affecting or
relating to the Business (collectively, the "LEASES AND CONTRACTS"). Except for
the Assumed Leases and Contracts, all Leases and Contracts and all other
obligations and liabilities relating to the Assets and the Business shall be
retained by Seller;

                (b) Except as described on Exhibit 4.3, none of the Assumed
Leases and Contracts have been modified, amended, assigned or transferred and
each is in full force and effect and is valid, binding and enforceable in
accordance with its respective terms;

                (c) No event or condition has happened or presently exists which
constitutes a default or breach or, after notice or lapse of time or both, would
constitute a default or breach by any party under any of the Assumed Leases and
Contracts; and

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                (d) Seller's assignment to Buyer of the Assumed Leases and
Contracts will not default, alter or terminate any such Leases and Contracts,
and such assignment will confer and convey all of Seller's rights thereunder to
Buyer.

        4.4 Insurance. Seller has in effect and has continuously maintained
insurance coverage for all of its operations, personnel and assets, and for the
Assets and the Business. Seller is not in default or breach with respect to any
provision contained in any insurance policies, nor has Seller failed to give any
notice or to present any claim thereunder in due and timely fashion. Such
insurance is adequate to cover all business risks normally insured against by
owners and operators of similar businesses. Seller has continued to maintain all
such policies and coverage amounts in full force and effect up to the date of
Closing.

        4.5 Tax Returns; Taxes. Except as described on Exhibit 4.5, Seller has
filed and paid all federal, state and local tax returns and tax reports required
by such authorities to be filed. Seller has paid all taxes, assessments,
governmental charges, penalties, interest and fines due or claimed to be due
(including, without limitation, taxes on properties, income, franchises,
licenses, sales and payrolls) by any federal, state or local authority. There is
no pending tax examination or audit of, nor any action, suit, investigation or
claim asserted or threatened against Seller by any federal, state or local
authority and Seller has not been granted any extension of the limitation period
applicable to any tax claims.

        4.6 Absence of Certain Liabilities. As of the date hereof, except as set
forth in documents filed with the Securities and Exchange Commission and made
public prior to April 30, 2002, Seller has no contingent liabilities or
obligations which may result in any liability or obligation to Buyer.

        4.7 Licenses, Permits and Accreditations. Except as described on Exhibit
4.7, Seller has all local, state and federal licenses, permits, registrations,
certificates, contracts, consents, accreditations and approvals (collectively,
"LICENSES AND PERMITS") necessary for Seller to operate and conduct the
Business. Seller is not in default under any of the Licenses and Permits. Seller
has not received any notice with respect to threatened, pending, or possible
revocation, termination, suspension or limitation of the Licenses or Permits nor
is there any ground for revocation, suspension or limitation.

        4.8 Title to Assets. Seller has good and marketable title to all
property included in the Assets, free and clear of all liens, encumbrances,
charges, restrictions, conditions and any other adverse claims whatsoever. The
transfer of the Assets to Buyer is valid, and vests such Assets in Buyer free
and clear of all liens, encumbrances, charges, restrictions, conditions or any
other adverse claims whatsoever.

        4.9 Condition of Assets. All Equipment utilized in the Business is in
good working order. The Assets, including, without limitation, any Assets leased
by Seller, are in good operating condition and repair, ordinary wear and tear
excepted.

<PAGE>
        4.10 Compliance with Laws.

                (a) General. Except as described on Exhibit 4.5 and Exhibit 4.7,
Seller has complied with all applicable laws, rules, and regulations and Seller
has not received notice of any alleged violations of any laws, rules or
regulations with respect to the Business. Seller has not received notice of any
violation of any order of any court or federal, state, municipal or other
governmental department, commission, board, bureau, agency or instrumentality
(including, without limitation, legislation and regulations applicable to
environmental protection, civil rights and public and occupational health and
safety) within the last five (5) years.

                (b) Litigation. There are no lawsuits, proceedings, actions or
arbitrations, pending or threatened, or any claims, or governmental
investigations, inquiries or proceedings pending or threatened, at law or in
equity against Seller or the Business, nor is there any basis for any such
action, and there is no action, suit or proceeding by any person or agency
pending or threatened which questions the legality, validity or propriety of the
transactions contemplated hereby.

                (c) Employment Discrimination. No person or party (including,
but not limited to, any governmental agency) has any claim or basis for any
action or proceeding against Seller arising out of any statute, ordinance or
regulation relating to wages, collective bargaining, discrimination in
employment or employment practices or occupational safety and health standards
(including, but not limited to, the Fair Labor Standards Act, Title VII of the
Civil Rights Act of 1964, as amended, the Occupational Safety and Health Act or
the Age Discrimination in Employment Act of 1967). No such claim shall result in
any liability or obligation to Buyer, or lien or encumbrance against the Assets.

        4.11 Seller's Employees and Independent Contractors. Exhibit 4.11 hereto
sets forth a complete list of all Seller's employees and independent contractors
whose full time duties are devoted to the Business. Seller has no employment
agreements with its employees. Seller agrees to indemnify and hold harmless
Buyer from and against any and all employee or independent contractor claims
arising on or prior to the date of Closing. Seller shall retain responsibility
for and fully and timely pay all salaries, wages, and bonuses and all sick
leave, holiday and vacation benefits that have accrued to Seller's employees
through the date of Closing, including related payroll taxes, and including the
bonus payable to Paul Erikson. Further, Seller shall retain responsibility for
and fully and timely pay all retirement and other fringe benefits accrued and
vested to Seller's employees through the date of Closing. Seller shall retain
responsibility for and fully and timely pay all compensation accrued to Seller's
independent contractors through the date of Closing. Further, Seller shall
retain responsibility for and fully and timely pay all other fringe benefits
accrued and vested to Seller's Independent Contractor through the date of
Closing.

        4.12 Broker's Fees. Seller shall have sole responsibility for paying the
fee of any broker or finder employed by Seller and shall indemnify and hold
harmless Buyer from any such liability.

<PAGE>

        4.13 Name; Intellectual Property. The Business operates under the name
of "Access Retail" and "Access Retail Management." The use of such names by
Seller does not, to the best of Seller's knowledge, conflict with any rights to
any similar name owned by any other person or entity, and Seller is in
compliance with applicable corporate or fictitious name statutes. Except for the
trade names listed, Seller does not own or use, in connection with the Business,
any trade names, logos, patents, patent rights,trademarks, service marks, or
copyrights(collectively, "INTELLECTUAL PROPERTY"). Seller owns or possesses all
rights to use all Intellectual Property, know-how and other proprietary rights
necessary for the conduct of the Business as currently being or proposed to be
conducted; no such rights have been disputed. Seller is under no obligation to
pay at any time any royalty or similar payment in connection with the use of the
Intellectual Property.

        4.14 Financial Statements. Seller has delivered to Buyer the unaudited
financial statements of the Business for the fiscal year ended September 30,
2000 and 2001, and for the six months ended March 30, 2002 (the "FINANCIAL
STATEMENTS"). In addition, Seller shall provide to Buyer, as promptly as each
becomes available prior to the Closing, all other interim financial statements
(the "INTERIM FINANCIAL STATEMENTS") with respect to the operation of the
Business and an interim financial statement for the period ended April 30, 2002,
as well as any subsequent financials prepared prior to the Closing. The
Financial Statements and the Interim Financial Statements are attached hereto as
Exhibit 4.14. Except as set forth in Exhibit 4.14, the Financial Statements and
Interim Financial Statements are true, complete and correct in all material
respects in conformity with generally accepted accounting procedures, applied
consistently for the periods specified, and present fairly and accurately the
financial condition of the Business, and the results of its operations at the
dates and for the periods indicated.

        4.15 Restrictions on Business Activities. There is no agreement,
judgment, injunction, order or decree binding upon Seller which has or could
reasonably be expected to have the effect of prohibiting or impairing any
current or future operation of the Business as currently conducted.

        4.16 No Omissions, Other Information. There is no fact relevant to the
Assets, Business or prospects of Seller, which has not been set forth or
described in this Agreement or in the exhibits hereto, the nondisclosure of
which would have a material adverse effect on the Business or Assets following
Closing. None of the information included in this Agreement and exhibits or
other documents furnished or to be furnished by Seller, or any of its
representatives contains any untrue statement or is misleading in any respect or
omits to state any fact necessary in order to make any of the statements herein
or therein not misleading. Copies of all documents referred to in any exhibit
hereto have been delivered or made available to Buyer and constitute true,
correct and complete copies thereof and include all amendments, exhibits,
schedules, appendices, supplements or modifications thereto or waivers
thereunder.

<PAGE>

                                    ARTICLE 5
                     BUYER'S REPRESENTATIONS AND WARRANTIES

        Buyer represents and warrants to Seller as of Closing, as follows:

        5.1 Corporate. Buyer is a corporation duly organized, validly existing
and in good standing under the laws of the state of Tennessee and has the
requisite corporate power and authority to enter into and perform its
obligations under this Agreement without the consent, approval or authorization
of, or obligation to notify, any person, entity or governmental agency which
consent has not been obtained. Buyer has the full right, power and authority to
execute, deliver and carry out the terms of this Agreement and all documents and
agreements necessary to give effect to the provisions of this Agreement and to
consummate the transactions contemplated on the part of Buyer hereby. This
Agreement and all other agreements and documents executed in connection herewith
by Buyer, upon due execution and delivery thereof, shall constitute valid and
binding obligations of Buyer, enforceable in accordance with their respective
terms.

        5.2 No Breach of Statute or Contract. The execution, delivery and
performance of this Agreement by Buyer does not and shall not constitute Buyer's
breach of any statute or regulation or ordinance of any governmental authority,
and shall not at the Closing conflict with or result in Buyer's breach of or
default under any of the terms, conditions, or provisions of the Buyer's
Certificate of Incorporation or Bylaws or any order, writ, injunction, decree,
contract, agreement, or instrument to which the Buyer is a party, or by which it
is or may be bound.

                                    ARTICLE 6
                              CLOSING; POST CLOSING

        6.1 Closing. The Closing of the transaction contemplated hereunder shall
take place on or before May 31, 2002 (the "CLOSING") and shall be effective at
that time. Closing shall be conditioned upon the approval of the transaction by
the Boards of Directors of Buyer and Seller, the approval of the transaction by
the Fleet Bank consortium, funding of the purchase price by the Fleet Bank
consortium under its Revolving Credit Agreement with Buyer, and the
contemporaneous execution by Buyer and Seller of the Dealer Agreement attached
as Exhibit 1.4.

        6.2 Seller's Deliveries. At Closing, Seller shall deliver the following
items to Buyer. Seller's failure to deliver each such item shall entitle Buyer
to terminate this Agreement.

                (a) A duly executed Bill of Sale, in form satisfactory to
Buyer's counsel, conveying and assigning the Assets to Buyer, free and clear of
all liens, encumbrances, charges, adverse claims, obligations and liabilities
except as specified in Exhibit 1.2.

                (b) The right to immediate possession of the Assets and the
premises and immediate benefit of the Assumed Leases and Contracts.

<PAGE>

                (c) Duly executed Assignment and Assumption Agreement(s) in form
satisfactory to Buyer and Seller conveying and assigning the Assumed Leases and
Contracts to Buyer as of the date of Closing.

                (d) Written consents, in form satisfactory to Buyer, from the
lessors or other necessary parties to the assignment of the Assumed Leases and
Contracts to Buyer as of the date of Closing, if such consents are required by
the Assumed Leases and Contracts.

                (e) UCC Termination Statements, if necessary, indicating that
all liens and encumbrances encumbering the assets or related to the Assumed
Leases and Contracts have been terminated as of the date of Closing.

                (f) A duly executed copy of the Dealer Agreement attached as
Exhibit 1.4.

                (g) A duly executed Executive Employment Agreement and
Noncompetition between Buyer and Paul Erickson ("ERICKSON"), and a duly executed
agreement between Seller and Erickson, which relinquishes any rights Erickson
may have in the Assets, in the form attached as Exhibit 6.2(g).

                (h) Such other documents as may reasonably be requested by Buyer
to effectuate the parties' agreement.

        6.3 Buyer's Deliveries. At Closing, Buyer shall deliver the following
items to Seller. Buyer's failure to deliver such items shall entitle Seller to
terminate this Agreement.

                (a) The Purchase Price.

                (b) Duly executed Assignment and Assumption Agreement(s) in form
satisfactory to Buyer and Seller conveying and assigning the Assumed Leases and
Contracts to Buyer as of the date of Closing.

                (c) A duly executed copy of the Dealer Agreement attached as
Exhibit 1.4.

                (d) A duly executed employment agreement between the Buyer and
Paul Erickson, in form and substance satisfactory to Buyer and Seller.

                (e) Such other documents as may reasonably be requested by
Seller to effectuate the parties' agreement.

        6.4 Post-Closing Deliveries. After Closing, each party to this Agreement
shall, at the request of the other, furnish, execute and deliver such documents,
instruments, certificates, notices or other further assurances as the requesting
party shall reasonably request as necessary or desirable to effect complete
consummation of this Agreement and the transactions contemplated hereby.

<PAGE>

                                   ARTICLE 7.
                                 INDEMNIFICATION

        7.1 Survival. The covenants, obligations, representations and warranties
of Buyer, Seller contained in this Agreement, or in any certificate or document
delivered pursuant to this Agreement, shall be deemed to be material and to have
been relied upon by the parties hereto notwithstanding any investigation prior
to Closing, and shall survive the date of Closing and shall not be merged into
any documents delivered in connection with Closing.

        7.2 Indemnification by Seller. After Closing, and for eighteen months
thereafter, Seller shall indemnify and hold Buyer harmless against, and
reimburse the same on demand for, any damage, loss, cost or expense (including
reasonable attorney's fees incurred in defending any claim for such damage,
loss, cost or expense) incurred by Buyer resulting from: (i) any liability or
obligation of Seller not expressly assumed by Buyer pursuant to Section 1.2
hereof; (ii) any breach of the representations, warranties, covenants or
obligations of Seller in this Agreement or any document or agreement delivered
pursuant to this Agreement; (iii) any claim (whether or not disclosed herein)
that is brought or asserted by any third party(s) against Buyer arising out of
the ownership, licensing, operation or conduct of the Business or Assets or the
conduct of any of Seller's employees, agents or independent contractors,
relating to all periods of time prior to Closing.

        7.3 Indemnification by Buyer. After Closing, and for eighteen months
thereafter, Buyer shall indemnify and hold Seller harmless against, and
reimburse Seller on demand for, any damage, loss, cost or expense (including
reasonable attorneys' fees incurred in defending any claim for such damage,
loss, cost or expense) incurred by Seller resulting from: (i) any breach of the
Buyer's representations, warranties, or covenants in this Agreement; (ii) any
claim which is brought or asserted by any third party(s) against Seller for
failure to pay or perform any of the Assumed Leases and Contracts; or (iii) any
claim (whether or not disclosed herein) that is brought or asserted by any third
party(s) against Seller arising out of the ownership, licensing, operation or
conduct of the Business or Assets or the conduct of any of Business's employees,
agents or independent contractors, relating to all periods of time after the
Closing.

        7.4 Rules Regarding Indemnification. The obligations and liabilities of
each party which may be subject to indemnification liability hereunder (the
"INDEMNIFYING PARTY") to the other party (the "INDEMNIFIED PARTY") shall be
subject to the following terms and conditions:

                Indemnity obligations hereunder shall arise only in the event
that the claims for which indemnity are sought are estimated by the indemnified
party, reasonably and in good faith, to exceed $10,000.00 (exclusive of
attorney's fees and costs), in the aggregate. The indemnified party shall give
prompt written notice to the indemnifying party of any claim by the indemnified
party, stating the nature and basis of such claim and the amount thereof, to the
extent known. The claim shall be deemed to have resulted in a determination in
favor of the indemnified party and to have resulted in a liability of the
indemnifying party in an amount equal to the amount of such claim estimated
pursuant to this paragraph if within forty-five (45) days after the indemnifying
party's receipt of the claim the indemnified party shall not have received
written

<PAGE>

objection to the claim. If within the aforesaid forty-five (45) day period the
indemnified party shall have received written objection to a claim (which
written objection shall briefly describe the basis of the objection to the claim
or the amount thereof, all in good faith), then for a period of sixty (60) days
after receipt of such objection the parties shall attempt to settle the disputed
claim as between the indemnified and indemnifying parties. If they are unable to
settle the disputed claim, the unresolved issue or issues shall be settled by
arbitration in accordance with the rules and procedures of the American
Arbitration Association. In the alternative, Buyer may pursue any other remedies
available to it.

        7.5 Effect of Certain Future Transfers. The indemnification provisions
of Section 7.2 hereof shall not be terminated or otherwise affected by any
transfer or sale by Buyer of the Assets or Business purchased hereunder and no
consent by Seller shall be required for the same; provided, however, that in no
event shall Seller have indemnity obligations with respect to any transferee or
assignee of the Assets or Business.

                                   ARTICLE 8.
                                 NONCOMPETITION

        8.1 Covenant Not to Compete. For a period of five (5) years after the
date of Closing, Seller agrees that, unless acting with the prior written
consent of Buyer, Seller will not, anywhere within the United States, directly
or indirectly (through any corporation, partnership, trust or otherwise), engage
in the business previously conducted by Access Retail including merchandise
planning. It being expressly acknowledged by Buyer that Seller is, and will
continue to be, engaged in other product lines involving inventory management,
and that, except as expressly provided herein, nothing herein contained shall be
construed so as to limit Seller's present or future business activities with
respect to any of Seller's presently existing product lines other than the
Business. This prohibition includes owning, managing, operating, financing,
joining, controlling or participating in the ownership, management, operation,
financing or control of any business which provides such merchandise planning,
or acting as an officer, director, employee, partner, principal, agent,
representative, consultant or otherwise of such business.

        Seller acknowledges and agrees that part of the Purchase Price is
consideration for the foregoing noncompete restriction and is reasonable and
necessary to protect the legitimate interest of Buyer and that Buyer would not
have entered into this Agreement in the absence of such restriction. Any
violation of this covenant will result in irreparable injury to Buyer, and the
remedy at law for any breach of the foregoing covenant will be inadequate, and
in the event of any such breach, Buyer, in addition to any other relief
available to it, shall be entitled to temporary injunctive relief before trial
from any court of competent jurisdiction as a matter of course. Seller further
acknowledges and agrees that Buyer shall be entitled to an equitable accounting
of all earnings, profits and other benefits arising from such breach and further
agrees to pay the reasonable legal fees and expenses incurred by Buyer or any
successor or assign thereof in enforcing the restrictions contained in this
Article 8.

<PAGE>

        Neither the sale to Buyer of customer lists, data and relationships (as
provided at Section 1.1(h)), nor this Article 8, nor any other provision hereof,
shall prevent Seller from continuing to sell, market and distribute goods and
services with respect to any of Seller's presently existing product lines from
other divisions of Seller to any person or entity who was a customer of any such
other division of Seller at or prior to the Closing.

        8.2 Confidential Information. From and after the date of this Agreement,
Seller will not disclose to any person or company or use for Seller's benefit
any proprietary information of the Business or of Buyer, including customer
related information, whether or not such information would be legally
protectable as trade secrets, without Buyer's express prior written permission.

        8.3 Reasonableness of Restrictions. The parties agree that the period of
restriction of restriction imposed under Sections 8.1 and 8.2 are fair and
reasonable and are reasonably required for the protection of Buyer. If the
provisions of these sections relating to the area of restriction or the period
of restriction are deemed to exceed the maximum restriction which a court having
jurisdiction over the matter would deem enforceable, the restriction shall, for
the purposes of this Article 8, be deemed to be the maximum area or period which
such court would deem valid and enforceable.

                                   ARTICLE 9.
                                  MISCELLANEOUS

        9.1 Notices. Any notice or other communication required or permitted to
be given hereunder shall be deemed to have been properly given when received,
addressed as follows (or to such other addresses as the parties may specify by
due notice to the others):

            Buyer:               Private Business, Inc.
                                 9020 Overlook, Suite 300
                                 Brentwood, TN 37027
                                 Attn: Thomas L. Black

                                 with a copy to:

                                 Harwell Howard Hyne Gabbert & Manner, P.C.
                                 315 Deaderick Street, Suite 1800
                                 Nashville, TN 37238
                                 Attn: Lee C. Dilworth

            Seller:              Cam Commerce Solutions, Inc.
                                 17075 New Hope Street, Suite A
                                 Fountain Valley, California 92708
                                 Attn: Paul Caceres

<PAGE>

                                 with a copy to:

                                 Timothy A. Lundell, Esq.
                                 Lundell & Spadafore
                                 1065 Asbury Street
                                 San Jose, CA 95126

        9.2 Taxes and Fees. All applicable sales, transfer, recording or similar
taxes and fees, if any, in connection with the transfer and sale of the Assets
shall be paid by Seller.

        9.3 Headings. The headings in this Agreement are intended solely for
convenience of reference and shall be given no effect in the construction or
interpretation of this Agreement.

        9.4 Governing Law. In the event that Buyer should seek to enforce any of
its rights under this Agreement against Seller, then any suit or other
proceeding shall be instituted only in a court within the state of California,
which shall have exclusive jurisdiction over the matter. Likewise, should Seller
seek to enforce any of its rights under this Agreement against Buyer, then any
suit or other proceeding shall be instituted only in a court within the state of
Tennessee, which shall have exclusive jurisdiction over the matter. The
interpretation and enforcement of this Agreement shall be governed by the law of
the state where suit is filed.

        9.5 Assignment. This Agreement shall inure to the benefit of and be
binding on the successors and legal representatives of each of the parties, but
may not be assigned by either party without prior written consent.

        9.6 Counterparts. This Agreement may be executed in one or more
counterparts, all of which will be considered one and the same agreement.

        9.7 Exclusiveness. This Agreement embodies all of the representations,
warranties, and agreements of the parties hereto with respect to the subject
matter hereof, and all prior understandings, representations, and warranties
(whether oral or written) with respect to such matters are superseded and may
not be amended, modified, waived, discharged, or orally terminated except by an
instrument in writing signed by the party or an executive officer of a corporate
party against whom enforcement of the change, waiver, discharge, or termination
is sought.

        9.8 Severability. The invalidity or unenforceability of any particular
provision of this Agreement shall not affect the other provisions hereof, and
this Agreement shall be construed in all respects as if such invalid or
unenforceable provisions were omitted. Furthermore, in lieu of such illegal,
invalid, or unenforceable provision there shall be added automatically as a part
of this Agreement a provision as similar in terms to such illegal, invalid, or
unenforceable provision as may be possible and be legal, valid and enforceable.

        9.9 Interpretation, No Presumption. No presumptions shall arise favoring
either party by virtue of the authorship of any provisions of this Agreement.

<PAGE>

        9.10 Time of the Essence. Time is of the essence with respect to all
matters contemplated herein.

        9.11 Exhibits. The exhibits attached hereto, together with all documents
incorporated by reference therein, form an integral part of this Agreement and
are hereby incorporated into this Agreement wherever reference is made to them
to the same extent as if they were set out in full at the point at which such
reference is made.

        9.12 Expenses. The parties each shall bear their own legal, accounting
and other expenses incurred in connection with the preparation, execution and
performance of this Agreement.

        9.13 Waiver. Neither the failure nor any delay on the part of any party
hereto in exercising any rights, power or remedy hereunder shall operate as a
waiver thereof, or of any other right, power or remedy; nor shall any single or
partial exercise of any right, power or remedy preclude any further or other
exercise thereof, or the exercise of any other rights, power or remedy.

        IN WITNESS WHEREOF, the parties have executed this Agreement as of the
date first above written.

                                       "BUYER"

                                       PRIVATE BUSINESS, INC.

                                       By:   /s/ Thomas L. Black
                                             -----------------------------------

                                       Title: CEO
                                             -----------------------------------

                                       "SELLER"

                                       CAM COMMERCE SOLUTIONS, INC.

                                       By:   /s/ Paul Caceres
                                             -----------------------------------

                                       Title:  C.F.O.
                                             -----------------------------------

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