Document:

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                    CONFIDENTIAL TREATMENT - REDACTED VERSION
                                 OEM AGREEMENT

         THIS AGREEMENT is made as of December 30, 1999 (the "Effective Date").

  BETWEEN

         CHANGEPOINT INC., with offices at 1595 Sixteenth Avenue, Suite 702,
         Richmond Hill, Ontario, L4B 3N9 ("Changepoint"),

                                      -and-

         SOFTRAX CORPORATION, with its principal offices at 45 Shawmut Road,
         Canton, Massachusetts, USA, 02021 ("OEM").

         IN CONSIDERATION of the premises and the mutual covenants contained
herein, the parties agree as follows:

                           ARTICLE 1 - INTERPRETATION

1.1      DEFINITIONS

         Capitalized terms defined in this Agreement shall have the meaning
given to them herein and the following terms shall have the following meanings:

         (A)      "AFFILIATE" means with respect to any person, any other person
                  directly or indirectly controlling, controlled by, or under
                  common control of such person. "Control" as used here means
                  the legal, beneficial or equitable ownership, directly or
                  indirectly, of more than 50% of the aggregate of all voting
                  interests in such entity.

         (B)      "CHANGEPOINT SOFTWARE" means the computer programs in object
                  code form listed in Schedule A-1, such additional programs as
                  Changepoint and OEM hereinafter may agree to in writing by the
                  amendment of Schedule A-1, as well as Changepoint Upgrades and
                  Changes developed by Changepoint for which the Intellectual
                  Property Rights vest in Changepoint. The term Changepoint
                  Software shall also include software as Changepoint may
                  develop or have developed in order to allow interoperability
                  between the Changepoint Software and such third party software
                  applications as Changepoint may, from time to time, elect to
                  license with the Changepoint software.

         (C)      "CHANGEPOINT DOCUMENTATION" means the end user documentation
                  describing the operation and use of the Changepoint Software
                  in printed or machine readable form which is made generally
                  available from time to time by Changepoint to its customers.

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         (D)      "CHANGEPOINT INTELLECTUAL PROPERTY" means the Changepoint
                  Software, Changepoint Documentation, Changepoint Promotional
                  Materials, Changepoint Technical Documentation, Changepoint
                  Training Materials and the Changepoint Source Code.

         (E)      "CHANGEPOINT UPGRADE" means an Upgrade to the Changepoint
                  Software developed by Changepoint and made generally available
                  by Changepoint to its customers.

         (F)      "CONFIDENTIAL INFORMATION" means the confidential, secret or
                  proprietary information of one party (the "Disclosing Party")
                  including technical, financial, and business information and
                  software of the Disclosing Party which has been or hereafter
                  may be disclosed, directly or indirectly, to the other party
                  (the "Recipient") either orally, in writing or in any other
                  material form, or delivered to the Recipient and (i) with
                  respect to OEM includes the OEM Source Code, the OEM Software
                  forming part of an OEM Application Suite, the OEM
                  Documentation, the OEM Technical Documentation and the OEM
                  Software, and (ii) with respect to Changepoint includes the
                  Changepoint Software, the Changepoint Documentation, the
                  Changepoint Technical Documentation, Training Materials and
                  the Changepoint Source Code.

         (G)      "CUSTOMER MAINTENANCE AGREEMENT" means an agreement between
                  OEM and an End User to receive support or maintenance
                  including Changepoint Upgrades and Maintenance Releases and
                  corrections or workarounds for programming errors or defects
                  in the Changepoint Software.

         (I)      "END USER" means a Prospect that acquires one or more copies
                  of the OEM Application Suite from OEM pursuant to an End User
                  License for such organization's internal business purposes.

         (J)      "END USER LICENSE" has the meaning set out in Section 2.1.

         (K)      "GAAP" means, at any time, accounting principles generally
                  accepted in the United States as recommended in or by the
                  American Institute of Certified Public Accountants and the
                  Financial Accounting Standards Board at the relevant time,
                  applied on a consistent basis (except for necessary or
                  advisable changes in accordance with promulgations of the
                  American Institute of Certified Public Accountants and the
                  Financial Accounting Standards Board).

         (L)      "INTEGRATED", "TO INTEGRATE" OR "INTEGRATION" means the
                  combination of the Changepoint Software with the Integrative
                  Code or the combination of the Changepoint Software with the
                  Integrative Code and one or more applications of the OEM
                  Software in either case rebranded to create an OEM Application
                  Suite, in either event which will be (i) distributed on
                  compact disk(s) utilising a unified installation process or
                  (ii) installed on an End User computer by OEM.

         (M)      "INTEGRATIVE CODE" has the meaning ascribed to it in Section
                  4.1(c).

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         (N)      "INTELLECTUAL PROPERTY RIGHTS" includes all intellectual and
                  industrial property rights such as, copyrights, trade-marks,
                  patents, inventions, discoveries, industrial designs, design
                  rights, and rights in trade secrets and information of a
                  confidential nature.

         (O)      "LICENSE" means the license granted to OEM in Section 2.1.

         (P)      "LIST PRICE" has the meaning set out in Schedule E.

         (Q)      "MAINTENANCE RELEASE" means a change or modification to the
                  Changepoint Software designed to correct a programming error
                  or provide a temporary work-around for a programming error
                  which is made generally available at no additional cost to
                  customers of Changepoint that have paid to receive maintenance
                  service for the Changepoint Software.

         (R)      "MASTER COPY" means the diskette(s) or CD-ROM(s) containing
                  the Changepoint Software that is delivered by Changepoint to
                  OEM for use in Integrating the Changepoint Software with the
                  OEM Software.

         (S)      "OEM APPLICATION SUITE" means an OEM Software product offering
                  which includes either OEM Software Integrated with the
                  Changepoint Software in the manner described in Article 4 or
                  the Integrative Code Integrated with the Changepoint Software
                  which has been rebranded; provided, however, that until such
                  time that the initial Integrative Code has been completed by
                  OEM (but in any event no later than six (6) months following
                  the Effective Date of this Agreement), an OEM Application
                  Suite may mean the Changepoint Software as a standalone
                  product.

         (T)      "OEM DOCUMENTATION" means, the end user documentation
                  describing the operation and use of the OEM Software in
                  printed or machine readable form which is made generally
                  available from time to time by OEM to its customers.

         (U)      "OEM INTELLECTUAL PROPERTY" means the OEM Software, OEM
                  Documentation, OEM promotional materials, OEM Technical
                  Documentation, OEM Training Materials, the Integrative Code
                  and the OEM Source Code.

         (V)      "OEM SOFTWARE" means any one or more of the computer programs
                  in object code form listed in Schedule A2 as of the Effective
                  Date and such additional programs as Changepoint and OEM
                  hereinafter may agree to in writing by the amendment of
                  Schedule A-2 and includes Upgrades thereto made generally
                  available by OEM to its customers. The term "OEM Software"
                  shall also refer, where applicable by context, to the
                  Integrative Code and to such other software which OEM may
                  develop from time to time hereunder as part of its
                  operations/financials software products.

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                                      -4-

         (W)      "PRICE LIST" means the price list for the Changepoint Software
                  set out in Schedule E as same may be changed by notice in
                  writing from Changepoint to OEM pursuant to the provisions of
                  Section 9.5.

         (X)      "PROMOTIONAL MATERIALS" means marketing and promotional
                  materials related to the Changepoint Software provided by
                  Changepoint to OEM to use in association with marketing an OEM
                  Application Suite and includes Upgrades thereto released by
                  Changepoint during the term of this Agreement which Upgrades
                  shall be promptly provided to OEM prior to or following their
                  release.

         (Y)      "PROSPECT" means (i) a Target Company with its head office in
                  the Territory, (ii) a person which has licensed the
                  Changepoint Software from Changepoint or an Affiliate of
                  Changepoint with its head office in the Territory, (iii) a
                  person which has licensed the OEM Software from OEM with its
                  head office in the Territory and such person's Affiliates(iv)
                  Affiliates of licensees of the OEM Application Suite with head
                  offices outside of Canada or the United States (v) OEM's
                  strategic partners that promote the OEM Software which have
                  their head offices in the Territory and (vi) a potential
                  licensee of Changepoint for the use of the Changepoint
                  Software which Changepoint has identified to OEM as a
                  potential licensee for an OEM Application Suite with head
                  offices in the Territory, and which in each case may be
                  interested in acquiring the OEM Software or an OEM Application
                  Suite. Notwithstanding the foregoing, if OEM identifies any of
                  the above that only have active offices in the Territory, OEM
                  may identify same to Changepoint and request that such entity
                  be deemed to be a Prospect for the purposes of this Agreement.
                  Within a reasonable period of time, Changepoint shall
                  determine in its sole discretion whether it is prepared to
                  allow such entity to be a Prospect and promptly communicate
                  its decision to OEM.

         (Z)      "SOURCE CODE" means in relation to Changepoint, the
                  Changepoint Source Code and in relation to OEM, the OEM Source
                  Code.

         (AA)     "TARGET COMPANY" means (i) a person whose main business
                  involves the development, marketing and distribution of
                  computer software and services related to such computer
                  software, and (ii) a person whose primary business involves
                  the development, marketing and distribution of internet-based
                  products or services related to such products who require
                  solution for tracking and managing customers, orders,
                  contracts, products and licenses, but does not include (a) an
                  information technology organization or group within a
                  non-information technology company, or (b) any person whose
                  primary business involves providing consulting or professional
                  services.

         (BB)     "TECHNICAL DOCUMENTATION" means technical documentation
                  related to either the Changepoint Software or the OEM Software
                  such as specifications, application programming interfaces,
                  data structures and flow charts and which is provided by one
                  party to the other hereunder and includes Upgrades thereto
                  made available by Changepoint to OEM during the term of this
                  Agreement.

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         (CC)     "TERRITORY" means the geographic territory of the United
                  States and Canada.

         (DD)     "TRAINING MATERIALS" means materials provided by Changepoint
                  to OEM for the purpose of training its staff in the
                  implementation and the provision of Level 1 and Level 2
                  support for the Changepoint Software and includes Upgrades
                  thereto made available by Changepoint to OEM during the term
                  of this Agreement.

         (EE)     "UPGRADES" means upgrades, enhancements, releases and new
                  Versions of software or documentation and with respect to the
                  Changepoint Software includes Maintenance Releases.

         (FF)     "VERSION" means a particular version of software which is
                  specifically identified by the numbers in the digits to the
                  immediate left and right of the decimal point in the product
                  version number, e.g., ((x).(x)x).

1.2      ACCOUNTING TERMS

         All accounting terms not specifically defined herein shall be construed
in accordance with GAAP consistently applied.

1.3      SCHEDULES

         The following Schedules shall constitute part of this Agreement for all
purposes:

<TABLE>
                  <S>                <C>
                  Schedule A-1       -  Changepoint Software
                  Schedule A-2       -  OEM Software
                  Schedule B         -  Terms and Conditions for End User Licenses
                  Schedule C         -  Training Materials
                  Schedule D         -  Royalties
                  Schedule E         -  Changepoint Price List
                  Schedule F         -  Escrow Agreement
                  Schedule G         -  Changepoint License
                  Schedule H         -  OEM License
                  Schedule I         -  Program Quick Start

</TABLE>

1.4      HEADINGS

         The division of this Agreement into Articles and Sections and the
insertion of headings are for convenience of reference only and shall not affect
the construction or interpretation of this Agreement. The terms "this
Agreement", "hereof", "hereunder" and similar expressions refer to this
Agreement and not to any particular Article or Section or other portion hereof
and include any agreement supplemental hereto. References herein to Articles or
Sections are to Articles or Sections of this Agreement.

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                                      -6-

1.5      CURRENCY

         Except for the fees payable to the escrow agent in the Escrow
Agreement, all monetary amounts specified herein are expressed in U.S. dollars.

1.6      EXTENDED MEANINGS

         In this Agreement words importing the singular number only shall
include the plural and VICE VERSA, and words importing persons shall include
individuals, partnerships, associations, trusts, unincorporated organizations
and corporations. The terms "provision" and "provisions" refer to terms,
conditions, provisions, covenants, obligations, undertakings, warranties and
representations in this Agreement. The term "includes" or "such as" shall be
construed as meaning "includes without limitation" and "such as without
limitation" as the case may be.

                               ARTICLE 2 - LICENSE

2.1      LICENSE GRANT

         Subject to the provisions of this Agreement including the provisions of
Sections 13.5 and 14.1, Changepoint hereby grants OEM a non-exclusive,
non-transferable and non-assignable license in and for the Territory and during
the term of this Agreement to:

         (a) Reproduce the Changepoint Software from the Master Copy for
Integration into an OEM Application Suite and as reasonably required to maintain
and support (but not modify) such product. OEM shall ensure that the Integration
of the OEM Software with the Changepoint Software shall not adversely affect the
full functionality of the Changepoint Software nor disable any substantive
features of the Changepoint Software included in the OEM Application Suite. OEM
shall ensure that the quality of reproduced Changepoint Software Integrated into
an OEM Application Suite is equivalent to the quality of the Changepoint
Software which Changepoint licenses to its customers, and meets or exceeds the
then current applicable standards for media and replication quality for disk or
CD-ROM media. In Integrating the Changepoint Software into an OEM Application
Suite, OEM shall rebrand the Changepoint Software to use the trademarks and
logos of OEM instead of the trademarks and logos of Changepoint provided,
however, that the OEM Application Suite states that it contains the Changepoint
Software by including the tag line "Powered by Changepoint" (or such similar tag
line as provided by Changepoint in consultation with OEM) on marketing
materials, product packaging, documentation and the opening screen of the OEM
Application Suite and provided further that the tag line is displayed so as to
be clearly noticeable without being prominent and such tag lines are approved by
Changepoint, such approval not to be unreasonably withheld.

         (b) Reproduce, market, support (but not modify) and distribute in the
Territory to Prospects only, the Changepoint Software as such software is
Integrated into an OEM Application Suite directly to Prospects for their
internal business purposes and not for redistribution and who have agreed to
abide by the terms of the End User License, the minimum provisions of which are
set out in Schedule B (the "End User License"). In addition, OEM may also
appoint properly trained sales agents to market and distribute (but not
reproduce or support) in the Territory to Prospects only the Changepoint
Software as such software is Integrated into

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                                      -7-

an OEM Application Suite directly to Prospects for their internal business
purposes and not for redistribution provided that such sales agent are not
authorized to sublicense the software. Notwithstanding the foregoing, OEM may
not distribute or grant any End User License to any person to use the
Changepoint Software portion of the OEM Application Suite who has, at the
date of the proposed transaction, already licensed the Changepoint Software
from Changepoint or an Affiliate of Changepoint or another person authorized
by Changepoint to grant such a license.

         (c) Make technically accurate derivative works of the Changepoint
Documentation solely for the purpose of incorporating same into the OEM
Documentation prepared by OEM for an OEM Application Suite. OEM shall not
distribute the Changepoint Documentation as part of any book or other
publication for sale or license separate from an OEM Application Suite without
the prior written approval of Changepoint. OEM shall deliver to Changepoint a
copy of all OEM Documentation relating to an OEM Application Suite, for the sole
purpose of allowing Changepoint to verify the accuracy of such OEM
Documentation. If Changepoint identifies any material error in the OEM
Documentation, Changepoint shall provide reasonable notice of same to OEM
whereupon OEM shall make such changes as are reasonably requested by Changepoint
to render the OEM Documentation technically correct in all material respects.
OEM shall distribute the OEM Documentation in its then-current form in
association with and subject to the End User Licenses and for use only with an
OEM Application Suite. Notwithstanding the foregoing, OEM shall not create
derivative works of any compiled "*.HLP" files, if any, for use on the Internet.

         (d) Distribute copies of Changepoint Promotional Materials received
from Changepoint and make derivative works of the Changepoint Promotional
Materials and subject to Section 5.2, distribute such derivative works as stand
alone materials or as integrated with OEM Promotional Materials to Prospects.
OEM shall not distribute any Promotional Materials referencing or describing the
OEM Application Suite without the prior written approval of Changepoint as to
the form and content of such material, which approval shall not be unreasonably
withheld or delayed; provided, however, that OEM shall not need such approval
with respect to derivative copies of Changepoint Promotional Materials where the
only changes to such materials made by OEM were in connection with the
rebranding of the product name. OEM may, at its option, purchase marketing and
promotional materials from Changepoint at cost.

         (e) Use and reproduce Technical Documentation provided to OEM hereunder
solely for the purpose of Integrating the OEM Software with the Changepoint
Software, of developing Changes as provided under Article 6, and in providing
the technical support to end users described in Section 8.1. OEM may not
distribute technical documentation to any third person without the prior written
consent of Changepoint.

         (f) Use and reproduce the Training Materials for the purposes of
training OEM's sales and support staff.

         (g) Reproduce any Changepoint Source Code provided to OEM solely for
the purpose of rebranding the Changepoint Software for use as part of an OEM
Application Suite or for the purpose of making Changes as provided under Article
6.

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2.2      LICENSE RESTRICTIONS

         OEM agrees not to supply or grant any sublicense to any person to use
all or any part of an OEM Application Suite unless such person has first become
subject to a binding and enforceable license agreement with OEM that contains
the minimum terms and conditions described in the End User License. OEM agrees
to use reasonable efforts to enforce the terms of the End User Licenses and to
inform Changepoint immediately of any known breach of such terms. OEM agrees, if
requested to do so by Changepoint and at Changepoint's sole cost and expense, to
provide an independent professional adviser to Changepoint with the right to
review copies of all End User Licenses for the purpose of determining whether
OEM is in compliance with the provisions of this Agreement. Where OEM is in
non-compliance with the provisions of this Agreement, the independent adviser
shall so inform Changepoint and OEM and shall provide Changepoint with a summary
of relevant information concerning OEM's non-compliance with the provisions of
this Agreement regarding End User Licenses. The independent adviser retained by
Changepoint shall not be authorized to disclose any OEM Confidential Information
to Changepoint without OEM's prior written consent.

2.3      LICENSE KEYS

         OEM acknowledges that the Master Copy is license key protected. OEM
shall notify Changepoint at such time as an End User has executed the End User
License, and shall provide Changepoint with End User name and the number of
users to be licensed. Changepoint will use such information to generate a
license key within a period of forty-eight (48) hours during business days and
shall deliver such license key to OEM so that the Changepoint Software licensed
to the End User can be unlocked so as to be usable by such End User.
Notwithstanding the foregoing, in special circumstances, OEM may request the
generation of a license key within a shorter period and, in this case,
Changepoint agrees to use reasonable efforts to provide a license key within
such shorter period.

2.4      INTERNAL USE LICENSES

         (a) OEM agrees to implement the Changepoint Software for its internal
business purposes (to the extent useful for its business) as soon as reasonably
possible. The use thereof shall be subject to the terms of Changepoint's
standard license agreement, a copy of which is attached hereto as Schedule G and
which shall finalized by the parties prior to its execution following the
Effective Date.

         (b) Changepoint (or its Affiliate Changepoint Corporation) also agrees
to implement the OEM Software for its internal business purposes (to the extent
useful for its business) as soon as reasonably possible. The use thereof shall
be subject to the terms of OEM's standard license agreement, a copy of which is
attached hereto as Schedule H and which shall be finalized by the parties prior
to its execution following the Effective Date. Changepoint shall permit OEM to
list Changepoint as a user of the OEM Software on its client reference lists and
other marketing and promotional material. OEM shall permit Changepoint to list
OEM as a user of the Changepoint Software on its client reference lists and
other marketing and promotional material.

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         (c) During the term of this Agreement each party will provide to the
other, standard maintenance and support services similar to those provided to
end users of each party's software products, with respect to the software
referred to in paragraphs (a) and (b) above, free of charge. Upon termination of
this Agreement, the licenses granted in paragraphs (a) and (b) above shall
terminate unless, at the time of termination of this Agreement, a party
subscribes for maintenance and support services from the other party at such
other party's then-current rates, and upon such other party's standard terms and
conditions.

         (d) Each party shall provide to the other, on request, and at mutually
agreeable times, implementation assistance with respect to such party's software
on a time and materials basis at such party's then-current rates. If any
consulting services are requested by a party, the other party shall provide such
consulting services at mutually agreeable times, at a rate of $1000 per day.

2.5      RESERVATION OF OEM RIGHTS

         Except for the express licenses conferred upon Changepoint hereunder,
there are no other licenses granted herein either express or implied and all
other rights with respect to the OEM Software and the OEM Intellectual Property
are expressly reserved by OEM.

2.6      RESERVATION OF CHANGEPOINT RIGHTS

         Except for the express licenses conferred upon OEM hereunder, there are
no other licenses granted herein either express or implied and all other rights
with respect to the Changepoint Software and the Changepoint Intellectual
Property are expressly reserved by Changepoint.

2.7      THIRD PARTY SOFTWARE

         OEM acknowledges that Changepoint shall not grant to OEM any license in
respect of any third party software that Changepoint may, from time to time,
elect to combine with the Changepoint Software. OEM shall make its own
arrangements to obtain all necessary licenses to use, reproduce and distribute
any such third party software. However, at OEM's request and expense,
Changepoint will assist OEM in dealing with any such third party.

                     ARTICLE 3 - RELATIONSHIP OF THE PARTIES

3.1      NON-EXCLUSIVE

         OEM acknowledges that it has been granted non-exclusive rights to
sublicense and distribute the Changepoint Software as integrated into an OEM
Application Suite to End Users in the Territory. On an annual basis, the parties
will examine their relationship, and at such time OEM may request that all or
some of the rights granted hereunder be made exclusive, or that there be an
extension of the Territory, based on the expansion of OEM's sales and marketing
efforts to such extended regions. Changepoint will consider such request but may
grant or refuse such request(s) at its sole discretion. Further, nothing herein
shall prevent Changepoint from

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                                      -10-

granting any right or license to any third party to use, distribute or
otherwise commercially exploit the Changepoint Software.

3.2      LEAD GENERATION AND COMPENSATION

         If either party (the "Finder") identifies a sales lead which it elects
not to pursue and which it believes the other party (the "Receiver") could use
to its advantage, the following procedures shall govern:

         (i)      the Finder shall register the sales lead with the Receiver
                  through an e-mail notice (the "Registration"). If the parties
                  believe that an e-mail registration is inadequate for these
                  purposes, they shall agree upon another form of Registration
                  to take effect from the date of such agreement. The
                  Registration will provide information about the sales lead
                  such as the names and phone numbers of the key personnel
                  involved and a description of the needs that may be satisfied
                  by the Receiver;

         (ii)     if the Finder has proceeded sufficiently in the sale cycle to
                  make same commercially acceptable to the sales lead, the
                  Finder will introduce the Receiver to the sales lead;

         (iii)    the Receiver will have five (5) days from receipt of the
                  Registration to accept or reject the Registration. It will be
                  solely at the discretion of the Receiver as to whether this is
                  accepted or rejected. If a rejection is made, it will be
                  accompanied by a short explanation, (i.e. the Receiver was
                  already working the sales lead);

         (iv)     if the sales lead has NOT signed an agreement with the
                  Receiver within 180 days of the date of the Registration, the
                  Registration will expire. If the sales lead has signed an
                  agreement with the Receiver for a license of the OEM Software
                  or the Changepoint Software, as the case may be, within 180
                  days of the date of the Registration, the Receiver will pay a
                  finders fee to the Finder equal to five percent (5%) on all
                  GAAP-recognizable license fees for the OEM Software or the
                  Changepoint Software, as the case may be, invoiced to the
                  sales lead within the first 180 days of the signing of such
                  agreement. The Receiver will pay the Finder this amount within
                  45 days of the end of each calendar quarter;

         (v)      there will be no charge backs because payments are made on
                  recognizable license revenue only (which by definition is
                  irrevocable);

         (vi)     in order for a sales lead to qualify under this Section 3.2,
                  there must have been at least one qualifying discussion
                  (either by telephone or in person) by a sales representative
                  of the Finder; and

         (vii)    the parties agree to pay a minimum of 50% of any finders fee
                  to the sales representative that resulted in the Registration
                  in order to incent their respective sales forces to develop
                  and send sales leads to the other party under the provisions
                  of this Section.

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                              CONFIDENTIAL TREATMENT

3.3      OEM TRAINING AND IMPLEMENTATION SUPPORT

         In consideration of the payment of a one-time Program Quick Start
fee of ***, which fee shall be paid by cash or cheque on the Effective Date,
Changepoint agrees to provide to OEM a copy of the Training Materials,
Changepoint Promotional Materials, Changepoint Technical Documentation, and
the Changepoint Documentation as well as the services described in Schedule
G. OEM acknowledges that any support over and above the amounts specified in
Schedule G and implementation assistance required by OEM (whether for an End
User or otherwise) shall be charged at Changepoint's then-current time and
materials rates, less a *** discount. Changepoint shall use reasonable
efforts to make available suitable Changepoint personnel to assist OEM in
providing implementation assistance to End Users. Changepoint shall make any
subsequent Training Materials available to OEM promptly following their
development.

                         ARTICLE 4 - PRODUCT INTEGRATION

4.1      INTEGRATION OF CHANGEPOINT SOFTWARE

         (a) Each party shall appoint an experienced staff member (the
"Integration Manager") on behalf of such party to oversee Integration of the
Changepoint Software with the OEM Software to create the OEM Application
Suite.

         (b) Within thirty (30) days of the Effective Date, the Integration
Managers shall meet and develop an Integration plan which will, at a minimum,
clearly set out the file/database level of integration functionality as well as
the minimum level of Integration of the OEM Software with the Changepoint
Software which will qualify the integrated offering as an OEM Application Suite,
such minimum level not to exceed the development of Integrative Code allowing
the transfer of data between the OEM Software and the Changepoint Software.

         (c) OEM shall have the responsibility for developing the code and other
materials to Integrate the Changepoint Software with the OEM Software (the
"Integrative Code"). Changepoint will provide technical information including
Application Programming Interfaces (APIs) and reasonable assistance as required
by OEM to develop the Integrative Code; however, Changepoint shall not be
required to deliver any Changepoint Source Code to the Changepoint Software to
OEM except to the extent required by OEM to effect the rebranding of the
Changepoint Software as contemplated by the parties under Section 2.1(a). If
Changepoint elects not to provide any Changepoint Source Code to OEM in these
circumstances, Changepoint will provide such services to OEM at no charge as OEM
would have performed using the Changepoint Source Code to effect such
rebranding.

         (d) OEM shall develop the Integrative Code as soon as commercially
practicable but, in any case, within six (6) months of the Effective Date.
Following completion, OEM shall provide to Changepoint a complete copy of an OEM
Application Suite for review.

         (e) Changepoint shall be entitled to inspect the Integrative Code and
the quality of the Integration of the Changepoint Software with the OEM
Software, including any changes made to the user interface of the Changepoint
Software, and to approve same prior to OEM's marketing

***The omitted material has been filed separately with the Securities and
   Exchange Commission pursuant to a request for confidential treatment.

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                                      -12-

or distribution of same absent any material deficiency in the same.
Changepoint agrees not to unreasonably withhold or delay its approval.

4.2      INTEGRATION OF UPGRADES

         (a) OEM shall be responsible for developing and implementing any
changes to the Integrative Code required as a result of any Changepoint
Upgrades. Each Upgrade shall be Integrated by OEM into the OEM Application Suite
after its release by Changepoint within a timely fashion taking into account the
complexity of the Upgrade. Changepoint agrees to give OEM notice as far in
advance as reasonably possible and provide technical information and assistance
to OEM as may be reasonably necessary for OEM to analyse the impact of the
Upgrade on the Integrative Code. The provisions of Section 4.1 shall apply to
any Upgrades to the OEM Application Suite.

         (b) OEM may distribute Changepoint Upgrades to End User licensees of
the OEM Application Suite subject to the following limitations in addition to
those specified above:

         (i)      OEM shall not directly or indirectly distribute any
                  Changepoint Upgrade to any End User to which OEM did not
                  directly or indirectly distribute the copy of the OEM
                  Application Suite into which the Changepoint Upgrade is to be
                  Integrated; and

         (ii)     OEM shall, as to every Changepoint Upgrade that OEM
                  distributes, either: (1) distribute to the End User an Upgrade
                  of the OEM Application Suite that Integrates the Changepoint
                  Upgrade or; (2) use commercially reasonable efforts to promote
                  the Integration of the Changepoint Upgrade into the End User's
                  copy of the OEM Application Suite promptly upon delivery to
                  the End User and to ensure that the Upgrade is used for no
                  purpose other than to upgrade the OEM Application Suite.
                  Without limiting the generality of the foregoing, such
                  commercially reasonable efforts shall include requiring End
                  Users by written contract to use the Changepoint Upgrade only
                  as an Upgrade to OEM Application Suite.

                              ARTICLE 5 - MARKETING

5.1      MARKETING OBLIGATIONS OF OEM

         During the term of this Agreement, OEM shall:

         (a)      identify Changepoint as a strategic partner in all marketing
                  and promotional materials and activities relating to an OEM
                  Application Suite;

         (b)      devote sufficient financial resources and technically
                  qualified sales and service personnel to fulfil its
                  responsibilities under this Agreement;

         (c)      use commercially reasonable efforts to meet the Sales Targets
                  referred to in Section 5.4 (except following the provision of
                  notice by either party of its intent

<PAGE>
                                      -13-

                  to terminate and/or not to renew this Agreement) and to
                  carry out the activities and meet the objectives set out in
                  the marketing plans referred to in Section 5.3;

         (d)      establish and maintain a team to market and provide support
                  for every OEM Application Suite. In order to meet this
                  commitment, OEM agrees that it shall make at least five (5)
                  members of OEM's sales staff available for use and sales
                  training and at least five (5) members of OEM's technical
                  staff available for use and support training to be made
                  available by Changepoint; and

         (e)      (except following the provision of notice by either party of
                  its intent to terminate and/or not to renew this Agreement)
                  actively promote an OEM Application Suite to Prospects in the
                  Territory by, among other means, attending trade shows,
                  advertising on OEM's web site, and featuring the OEM
                  Application Suite in OEM's product catalogue.

5.2      MARKETING OBLIGATIONS OF CHANGEPOINT

         During the term of this Agreement, Changepoint shall:

         (a)      identify OEM as a strategic partner in its marketing and
                  promotional materials which describe Changepoint's strategic
                  partners and which Changepoint makes generally available to
                  its customers and on the applicable portion of its Web Site;

         (b)      devote technically qualified personnel to fulfil its
                  responsibilities under this Agreement;

         (c)      with the assistance of OEM, provide its sales force with
                  training in the marketing of the OEM Software; and

         (d)      at a corporate level, promote OEM as a strategic partner and
                  the OEM Software as a "product of choice" for operations
                  including financials within OEM's target market (but not
                  necessarily in other markets).

5.3      QUARTERLY MARKETING MEETINGS

         The parties agree to meet quarterly to: (a) review sales and marketing
efforts by each party with respect to the objectives set forth in this Agreement
during the preceding quarter; (b) discuss and resolve any channel conflict or
other marketing and sales issues which may have arisen during the preceding
quarter; (c) discuss and plan joint marketing opportunities for the forthcoming
quarter; (d) discuss, when desired by the parties, respective sales plans for
the next quarter and put into place such mechanisms as may be most effective in
preventing channel conflict; (e) discuss and implement agreed-upon shared
commission procedures; and (f) discuss such other matters as are pertinent to
the objective that this Agreement continue to the mutual profit of each party.
The quarterly meetings shall be led by an employee of at least the level of Vice
President from each party. Meetings may be held telephonically. The first such
meeting shall occur within thirty (30) days following the Effective Date.

<PAGE>
                                      -14-

                             CONFIDENTIAL TREATMENT

5.4      SALES TARGETS

         (a) OEM's sales performance target ("Sales Target") for the period
from the Effective Date through December 31, 2000 (the "First Year") shall be
revenue of at least *** in license fees from the licensing and distribution
of the Changepoint Software portion of an OEM Application Suites to End Users
in the Territory calculated in accordance with GAAP revenue recognition rules.

         (b) Sales Targets for subsequent years after the First Year shall be
negotiated in good faith between the parties by October 1st of the
then-current year. The minimum Sales Target for the year after the First Year
will be revenue of at least $ *** in license fees, and the minimum Sales Target
for any subsequent year will be the minimum Sales Target for the previous
year plus at least an additional $ *** in license fees in each case, from the
distribution of the Changepoint Software portion of the OEM Application
Suites to End Users in the Territory calculated in accordance with GAAP
revenue recognition rules.

                          ARTICLE 6 -- CHANGE REQUESTS

6.1      CHANGE REQUEST PROCESS

         (a) OEM may request changes, updates or enhancements (collectively,
"Changes") to the Changepoint Software by delivering such request to Changepoint
in writing, specifying the request in sufficient detail, including relevant time
requirements, to enable Changepoint to analyse the technical feasibility of such
request.

         (b) Within a reasonable period of time (and in any event, no more than
ten (10) business days) after receiving such request, Changepoint shall
communicate to OEM whether the request has been accepted, rejected or if further
information is required. If further information is required, the procedure in
this section 6.1 shall be repeated. If the request is accepted, Changepoint
shall indicate by a notice in writing to OEM the anticipated date for
implementation of such Change, having regard to Changepoint's existing
development plans and availability of personnel. Changepoint will use reasonable
efforts to estimate the anticipated date for the implementation of such Change,
but Changepoint shall have no liability to OEM for any delays in implementing
the Change. In the event Changepoint changes its development plans such that the
requested Change will not be made, Changepoint shall so notify OEM and in that
event the request shall be considered to be one which Changepoint rejected and
the provisions of Section 6.1(c) shall apply.

         (c) If Changepoint rejects a Change request in writing, or if
Changepoint declines to provide OEM with a commitment to develop a Change in a
timely fashion pursuant to Section 6.1(b), OEM can request Changepoint to quote
a price for the development of such Change. Changepoint will quote a price and a
proposed implementation date and related terms for such request. If OEM agrees
to the price and other terms upon which Changepoint offers to develop the
Change, Changepoint and OEM will enter into a written supplement to this
Agreement setting out the terms and conditions upon which the Change will be
made. Alternatively, if Changepoint notifies OEM in writing that it is not
prepared to develop the Change (other than because the Change is not technically
feasible), and if the change is one which, if not made,

***The omitted material has been filed separately with the Securities and
   Exchange Commission pursuant to a request for confidential treatment.

<PAGE>
                                      -15-

would materially and adversely affect OEM's ability to meet the
then-applicable Sale Targets, then Changepoint will not unreasonably refuse
to provide OEM with access to such portions of the Changepoint Source Code as
is required to implement such Change for the sole purpose of enabling OEM to
make such Change itself under terms and conditions to be agreed upon in
writing by the parties. Such terms and conditions will include:

         (i)      the nature of the technical information and the portions of
                  the source code to be provided to OEM to effect the Change;

         (ii)     the effect of the Change on warranty and other obligations of
                  Changepoint herein;

         (iii)    agreement on how the Change will be supported and maintained;

         (iv)     the quality assurance to be performed by Changepoint;

         (v)      the technical assistance to be provided by Changepoint with
                  respect to such Change; and

         (vi)     the fees and expenses to be paid to Changepoint related to the
                  Change.

And unless, otherwise agreed to by the parties, any Change so developed by OEM
shall be subject to the following terms:

         (i)      subject to the pre-existing Intellectual Property rights held
                  by Changepoint in the Changepoint Software and the Changepoint
                  Source Code, title to any Change developed by OEM shall vest
                  immediately and exclusively in OEM;

         (ii)     OEM shall have sole responsibility for the support and
                  maintenance of the Change and Changepoint shall not be
                  required to support or provide warranty protection for the
                  same;

         (iii)    technical assistance provided by Changepoint to OEM in
                  connection with OEM's development of the Change may be charged
                  by Changepoint at its applicable rates for such services; and

         (iv)     OEM shall not indicate that the Change is a product of
                  Changepoint.

6.2      PRICING OF CHANGES

         Unless otherwise agreed to by the parties, if Changepoint develops a
Change for OEM pursuant to Section 6.1(c), Changepoint shall price such Change
at a discount of 50% off of Changepoint's then current usual rates for the
development of enhancements to the Changepoint Software.

<PAGE>
                                      -16-

                             ARTICLE 7 - SOURCE CODE

7.1      ESCROW

         (a) Changepoint shall, at OEM's request, deposit a copy of the source
code for the Changepoint Software in escrow with Montreal Trust Company of
Canada pursuant to an escrow agreement substantially in the form of Schedule F
(the "Escrow Agreement") or as may be amended by the parties as soon as
reasonably possible following the Effective Date. All costs and expenses
associated therewith shall be borne by OEM.

         (b) Changepoint acknowledges that Prospects of OEM may request OEM to
place in escrow Changepoint Source Code together with the OEM Source Code. In
the event of any such request, Changepoint agrees to provide a letter signed by
an officer of Changepoint addressed to the Prospect offering to enter into a
maintenance agreement for the Changepoint Software in the event of a bankruptcy
of OEM or in the event OEM ceases to carry on business, on Changepoint's
standard terms, provided that any such request is made while Changepoint is
still offering to license the Changepoint Software to Prospects in the
Territory. Changepoint's obligation shall be restricted to offering to maintain
and support the current and immediately previous Version of the Changepoint
Software then being marketed by Changepoint.

         (c) The Changepoint Source Code shall only be released to OEM on the
terms and subject to the conditions set out in the Escrow Agreement. The parties
agree that any breach of the terms of the Escrow Agreement by a party hereto
shall be deemed to be a material breach of this Agreement. Except as elsewhere
set forth in the Agreement, nothing in this Article 7 shall require Changepoint
to deliver to OEM all or any part of the Changepoint Source Code, except as
required by the Escrow Agreement.

                       ARTICLE 8 - MAINTENANCE AND SUPPORT

8.1      TECHNICAL SUPPORT

         (a) OEM will provide Level 1 Support and Level 2 Support directly to
End Users who have entered into Customer Maintenance Agreements. Level 1 Support
means the service provided in response to the initial phone call placed by an
End User which identifies and documents an error in the OEM Application Suite.
This includes problem source identification assistance, problem analysis,
problem resolution, installation planning, information and preventative and
corrective service information. Level 2 Support means the service provided to
analyse or reproduce the error or to determine that the error is not
reproducible. This includes problem re-creation and in-depth technical analyses.
During the first six (6) months following the Effective Date, Changepoint will,
if required by OEM, provide Level 2 support and back-up Level 1 support (but not
including taking the support call or making the initial identification and
documentation of the reported error) to OEM. OEM shall use all reasonable
efforts to have its support staff trained as soon as possible so that such
persons are able to provide Level 2 and full Level 1 support as soon as
reasonably possible.

         (b) Changepoint shall provide Level 3 Support to OEM for problems that
have been escalated beyond Level 2 Support. Level 3 Support means making changes
to the Changepoint

<PAGE>
                                      -17-

                             CONFIDENTIAL TREATMENT

Software to resolve the problem. Requests for Level 3 Support shall be made
by no more than six (6) persons designated by OEM to receive such support and
who have been fully trained in the use and support of the Changepoint
Software. Changepoint shall also, during the term of this Agreement and for
the period during which OEM is authorized to continue to provide support to
End Users following termination of the Agreement, make electronically
available to OEM on a continuous and ongoing basis through its Web Site
Changepoint's then-current generally available database of support-related
information, including, without limitation, bugs identified in the
Changepoint Software together with fixes, workarounds or other responses
developed by Changepoint to support its own customers.

         (c) OEM shall inform all End Users that OEM is the sole support contact
for the OEM Application Suite and that Changepoint is not responsible for
supporting End Users in their use of the Changepoint Software. OEM will also
include within the OEM Application Suite or the OEM Documentation, as
appropriate, a conspicuous description of the Level 1 Support and Level 2
Support it provides and the method and means that End Users shall use to contact
OEM to receive such services.

         (d) OEM agrees to provide End Users with support for the current and
immediately previous Version of the Changepoint Software Integrated into an OEM
Application Suite.

                         ARTICLE 9 - PRICES AND PAYMENT

9.1      END USER LICENSE FEES

         (a) OEM shall be entitled to charge license fees to End Users in
respect of an OEM Application Suite as OEM, in its sole discretion, sees fit.

         (b) OEM shall remit royalties to Changepoint in respect of the
licensing to the OEM Application Suite, calculated in the manner set out in
Schedule D (the "License Fee Royalties").

         (c) For End User Licenses granted by OEM to End Users in the Territory
during the period through June 30, 2000, OEM may remit the License Fee
Royalties, less ***.

9.2      MAINTENANCE FEES

         For each Customer Maintenance Agreement entered into by OEM, OEM shall
pay to Changepoint a royalty calculated in the manner set out in Schedule D (the
"Maintenance Fee Royalty").

9.3      PAYMENT OF FEES

         All License Fee Royalties and Maintenance Fee Royalties in respect of a
calendar quarter shall be due and payable within forty-five (45) days of the end
of such quarter. Any other fees or charges hereunder shall be due within thirty
(30) days of receipt of invoice by the party owing such fees or charges.

***The omitted material has been filed separately with the Securities and
   Exchange Commission pursuant to a request for confidential treatment.

<PAGE>
                                      -18-

9.4      RECORDS AND REPORTS

         (a) Within fifteen (15) days following the end of each calendar month
during the term of this Agreement, OEM will submit to Changepoint a report in a
form reasonably acceptable to Changepoint setting forth separately the number of
OEM Application Suites licensed to End Users during the preceding month and the
End Users with whom OEM has Customer Maintenance Agreements. The report shall
also contain a calculation of the royalties and other payments due to
Changepoint in respect of the month.

         (b) OEM agrees to keep full and accurate books of accounts and records
regarding the manufacture, sublicensing and commercial distribution of the OEM
Application Suite in sufficient detail to enable the payments to be made and the
other obligations of OEM hereunder to be verified by Changepoint. Changepoint
may, at its expense, designate an independent accountant, certified public
accountant or auditor to audit such books and records. If any such audit results
in a finding that additional, unreported payments are due to Changepoint that
exceed the amount paid to Changepoint during the same payment period(s) by over
seven and a half percent (7 1/2%), then OEM will additionally be obligated to
pay for the expense of the audit. If the audit determines that additional,
unreported payments are due, such amounts shall be immediately payable.

9.5      PRICE LIST

         Changepoint may amend or change its then current Price List by notice
in writing to OEM. The amendments and changes shall become effective sixty (60)
days following the delivery of the notice to OEM. However, the Price List shall
remain effective for a period of up to one hundred and twenty (120) days with
respect to proposals submitted to Prospects by OEM prior to receipt of the new
Price List. In the event that Changepoint's List Price increases by one hundred
percent (100%) or decreases by forty percent (40%) during any calendar year, the
parties shall meet to discuss the effect of such increase or decrease and
determine in good faith whether the annual Sales Target and/or the royalty
payment scale should be adjusted to reflect such increase or decrease.

9.6      TAXES

         All amounts payable under this Agreement are exclusive of and OEM
agrees that it shall pay any sales, use, rental, personal property, value added,
consumption or other tax that may be assessed in any jurisdiction based upon,
arising out of or related to this Agreement, except for tax based on the net
income of Changepoint.

                    ARTICLE 10 - TRADE-MARKS, TRADE PRACTICES
                            AND INTELLECTUAL PROPERTY

10.1     USE OF TRADE-MARKS

         OEM shall make no use of trade-marks, trade names or other trade
designations, whether registered or unregistered (a "Trade-Mark"), of
Changepoint without the prior written consent of Changepoint; provided, however,
that the consent of Changepoint is hereby granted for OEM's

<PAGE>
                                      -19-

use of a Trade-Mark (a) to effect the branding and proprietary notices
required by Changepoint under this Agreement, and (b) during the first six
(6) months following the Effective Date, to the extent that such use is
limited to OEM's use of Changepoint Promotional Materials, Changepoint
Documentation and Changepoint Software in connection with its licensed
reproduction, marketing, distribution and support of the Changepoint Software
prior to the completion of relevant Integration efforts. OEM acknowledges
that Changepoint has and will have substantial goodwill in the trade-marks
used in conjunction with the Changepoint Software and OEM agrees that it will
not do anything that could injure, diminish or depreciate the value of the
goodwill associated with the trade-marks or the business of Changepoint. All
goodwill associated with the use of any Changepoint Trade-Mark shall enure
exclusively to Changepoint.

10.2     PROPRIETARY LEGENDS

         On all copies of the OEM Application Suite and applicable media
therefor, made by OEM, OEM shall display proprietary, copyright, trademark and
other proprietary legends of Changepoint in the form and locations reasonably
requested by Changepoint. OEM may also display its own proprietary, copyright,
trademark and other proprietary legends in conjunction with the OEM Application
Suite. OEM shall not, however, indicate that the copyright or any other
Intellectual Property Right in the Changepoint Software is owned by or
proprietary to OEM.

10.3     CONDUCT OF BUSINESS

         OEM will conduct its business of marketing the OEM Application Suite in
a manner that will reflect favourably on the good name and reputation of
Changepoint and the Changepoint Software. In particular, OEM agrees to comply
with all applicable national, international and local laws, ordinances, and
regulations in its dealings with Changepoint and in performing its obligations
under this Agreement and OEM will refrain from engaging in any unfair, or
deceptive trade practice, or unethical business practice whatever, or practice
that could unfavourably reflect upon Changepoint or the Changepoint Software and
Documentation.

10.4     OWNERSHIP OF CHANGEPOINT INTELLECTUAL PROPERTY

          (a) OEM acknowledges that Changepoint and/or licensors of Changepoint
are the owners of all Intellectual Property Rights in the Changepoint
Intellectual Property.

         (b) Changepoint shall own all Intellectual Property Rights in and to
all Upgrades and Changes to the Changepoint Intellectual Property, except for
any Change the ownership of which is to be owned by OEM pursuant to the
provisions of Section 10.6; provided, however, that during the Term of this
Agreement, any such Changepoint Changes shall be deemed Changepoint Software for
purposes of this Agreement.

10.5     OWNERSHIP OF OEM INTELLECTUAL PROPERTY

         OEM shall retain ownership of Intellectual Property Rights in
Integrative Code except for: (i) any previously owned materials that Changepoint
may provide to OEM to assist OEM in the development of the Integrative Code; and
(ii) any discrete modules/programs that are

<PAGE>
                                      -20-

developed by Changepoint in providing such assistance. OEM agrees that
Changepoint shall own all Intellectual Property Rights in the materials
described in clauses (i) and (ii) above.

10.6     OWNERSHIP OF CHANGES

         The parties agree that the Changes and all Intellectual Property Rights
in and to Changes shall be owned as follows:

         (a)      if developed by Changepoint, it shall be owned by Changepoint
                  and the licenses granted to OEM pursuant to Sections 2.1(a)
                  and 2.1(b) shall apply to such Changes; and

         (b)      if developed by OEM pursuant to Section 6.1(c), then subject
                  to any agreement to the contrary by the parties, it shall be
                  owned by OEM. However, and for greater certainty, OEM shall
                  not own or have any Intellectual Property Right in any part of
                  any intellectual property or software which forms part of the
                  Changepoint Software. OEM may market and distribute such
                  Change in conjunction with the Changepoint Software.
                  Changepoint shall have the option by notice to OEM to purchase
                  the Change and all Intellectual Property Rights therein or to
                  obtain a license to market, distribute, reproduce, create
                  derivative works and sublicense such Change. Upon a request by
                  Changepoint, the parties will use good faith efforts to agree
                  upon the terms of any such sale or licensing of such Change.
                  Failing agreement, Changepoint shall have the option of
                  submitting any dispute as to the price or terms of any such
                  license or sales to arbitration pursuant to the provisions of
                  Section 14.12.

10.7     RESIDUAL INFORMATION

         The provisions related to ownership of Changes and Integrative Code
referred to in Sections 10.5 and 10.6 shall not restrict internal business use
of "Residual Information" by a party to develop a competitive or comparable
software feature or product where such Residual Information was obtained in
connection with the party's development of a Change or Integrative Code provided
however that neither party knowingly uses the Confidential Information of the
other party. "Residual Information" as used in this section means technical
information which is retained in the unaided memories of a parting party
receiving technical information from the other party's employees or contractors.
However, nothing in this Section 10.7 grants the receiving party any right or
license under any trademark, copyright or patent now or hereafter owned or
controlled by the party disclosing the technical information. For the avoidance
of doubt, nothing herein shall prevent the party not owning a Change or
Integrative Code from developing a similar Change or Integrative Code provided
that none of the Intellectual Property Rights of the other party is used in the
course of such development.

<PAGE>
                                      -21-

10.8     FURTHER ASSURANCES

         To the extent that any Intellectual Property Rights do not vest
automatically in the party that is to own the rights pursuant to this Article,
the other party assigns (and to the extent necessary agrees to assign) all
relevant Intellectual Property Rights in and to such Changes or Integrative Code
to the other party.

                      ARTICLE 11 - CONFIDENTIAL INFORMATION

11.1     CONFIDENTIAL OBLIGATION

         Each party acknowledges that Confidential Information will be exchanged
between the parties pursuant to this Agreement. Each party shall use no less
than the same means it uses to protect its similar confidential and proprietary
information, but in any event not less than reasonable means, to prevent the
disclosure and to protect the confidentiality of the Confidential Information of
the other party. Except as otherwise provided herein, each party agrees that it
will not use the Confidential Information of the other party except for the
purposes of this Agreement and will not disclose such Confidential Information
or make it available to third persons other than to its full-time employees or
its professional consultants having a need for access to such Confidential
Information in connection with their employment with such party and with respect
to whom such party takes steps, no less rigorous than those it takes to protect
its own proprietary information, but in any event not less than reasonable
means, to prevent such employees or professional consultants from acting in a
manner inconsistent with the terms of this Agreement. Information disclosed by
either party, in any form regarding pre-released products, access numbers and
passwords provided to the Recipient party, shall be deemed to be Confidential
Information. OEM and Changepoint, and their respective Affiliates, shall treat
the terms and conditions of this Agreement as confidential; however, either
party may disclose such information in confidence to its immediate legal and
financial consultants as required in the ordinary course of that party's
business. Nothing in this Section shall be construed to require either party to
refuse to disclose any information as and to the extent required by valid
judicial or governmental order, as long as such party makes reasonable efforts
to provide the other party sufficient prior notice to permit it to meaningfully
contest such order.

11.2     PUBLICLY KNOWN INFORMATION

         Notwithstanding Section 11.1, the Recipient of Confidential Information
may use or disclose the Confidential Information to the extent that such
Confidential Information is (i) already known by the Recipient without an
obligation of confidentiality, (ii) publicly known or becomes publicly known
through no unauthorized act of the Recipient, (iii) rightfully received from a
third party, (iv) independently developed by the Recipient without use of the
information of the Disclosing Party, (v) approved by the Disclosing Party for
disclosure, or (vi) required to be disclosed pursuant to a requirement of a
governmental agency or law so long as the Recipient provides the other party
with notice of such requirement prior to any such disclosure and takes all
reasonable steps available to maintain the information in confidence.

<PAGE>
                                      -22-

11.3     RETURN OF CONFIDENTIAL INFORMATION

         Upon the termination or expiration of this Agreement, each party will
return to the other all programs, documents and information, however recorded,
which contain any of the other's Confidential Information. Notwithstanding the
foregoing, OEM may retain a copy of that portion of Changepoint's Confidential
Information to the extent necessary to exercise its rights under Section
13.5(a).

11.4     THIRD PARTY INFORMATION

         Each party agrees not to disclose or deliver to the other any
proprietary, confidential, secret or private information or intellectual
property including any software of any third person which it is under a duty or
has contracted not to disclose, without the prior written consent of such third
person and the other party.

11.5     LOSS OF CONFIDENTIAL INFORMATION

         In the event of any unauthorized disclosure or loss of, or inability to
account for, Confidential Information of the furnishing party, the receiving
party will notify the furnishing party immediately.

11.6     REVERSE ENGINEERING

         (a) OEM acknowledges that the Changepoint Software is valuable
Confidential Information of Changepoint or licensors of Changepoint.
Accordingly, OEM agrees not to disassemble, decompile, translate or convert into
human readable form or into another computer language, reconstruct or decrypt or
reverse engineer, all or any part of the Changepoint Software.

         (b) Changepoint acknowledges that the OEM Software is valuable
Confidential Information of OEM or licensors of OEM. Accordingly, Changepoint
agrees not to disassemble, decompile, translate or convert into human readable
form or into another computer language, reconstruct or decrypt or reverse
engineer, all or any part of the OEM Software.

11.7     ENFORCEMENT OF CONFIDENTIALITY OBLIGATION

         Each of OEM and Changepoint acknowledges and agrees that irreparable
injury may result to the other party if such party breaches the provisions of
this Agreement relating to Confidential Information and that damages may be an
inadequate remedy in respect of such breach. Each party hereby agrees in advance
that, in the event of such breach, the other party shall be entitled to seek, in
addition to such other remedies, damages and relief as may be available under
applicable law, the granting of injunctive relief in such party's favour.

<PAGE>
                                      -23-

                      ARTICLE 12 - WARRANTIES AND COVENANTS

12.1     CHANGEPOINT WARRANTIES

         Changepoint represents, warrants and covenants to OEM that (i) it has
the right and power to enter into and fully perform this Agreement, (ii) in
entering into this Agreement, Changepoint is not and will not be in breach of
any contractual or other obligation to any third party, (iii) that, in the form
delivered by Changepoint, the Changepoint Software and the Changepoint Upgrades
will not contain any virus, and (iv) the pricing practices (fee or free) that it
applies in connection with Upgrades and Maintenance Releases under this
Agreement for the benefit of End Users shall be the same as are applied to
Changepoint's own end users.

12.2     LIMITED WARRANTY

         Changepoint warrants, for the benefit only of OEM, that (i) the
Changepoint Software conforms in all material respects to the Documentation when
used as specified in the Documentation and within the scope of the license
granted to OEM herein and (ii) the Changepoint Software shall be able to
accurately process date data (including but not limited to, calculating,
comparing and sequencing) from, into and between the 20th and 21st century,
however, such warranty does not apply to any failure to process date data that
results from any software other than the Changepoint Software or that relates to
accepting data from any software or hardware not supplied by Changepoint, (the
"Software Warranty"). The Software Warranty does not apply (i) to the extent
that OEM has changed, modified or enhanced the Changepoint Software, except as
authorized under this Agreement (e.g., the cosmetic rebranding contemplated
under Section 2.1(a)) and then only to the extent of such change, modification
or enhancement (ii) if the failure to conform to the Documentation is due to its
use in combination with the OEM Software or the Integration thereof with the
Changepoint Software; or (iii) the Changepoint Software is not used as specified
by Changepoint in the Changepoint Documentation or if the failure to comply with
the Documentation is due to computer equipment or third party product
malfunctions or any cause external to the Changepoint Software; or (iv)
Changepoint has not been notified of the existence and nature of such
nonconformity or defect after discovery of same by OEM. OEM shall be entitled to
extend End Users warranties that are similar to the Software Warranty provided
that any such warranty claims by End Users shall be made to and handled by and
through OEM, without the visible involvement of Changepoint.

12.3     EXCLUSIVE REMEDIES

         (a) For any breach of the Software Warranty, OEM's sole and exclusive
remedies and Changepoint's entire obligation shall be to use reasonable efforts
to fix, bypass or replace the portions of the Changepoint Software that fail to
substantially comply with the Software Warranty; or, in the event such
reasonable efforts are unsuccessful, to accept a return of the defective
software and provide to OEM a complete refund of the applicable License Fee
Royalty and Maintenance Fee Royalty provided that OEM has paid or is legally
obligated to pay such amounts to an End User.

         (b) Changepoint makes no representations or warranties of any kind with
respect to the operation or use of any Third Party Software.

<PAGE>
                                      -24-

         (c) The remedies in this Section 12.3 are expressly in lieu of any or
all other remedies in warranty that may be available to OEM resulting from the
use, performance, non-performance, or quality of any of the Changepoint
Software; provided, however, that in no event shall the warranty coverage
afforded End Users hereunder be more limited than that provided to Changepoint
licensees under Changepoint's standard end user license agreement, a copy of
which is attached hereto as Schedule G.

12.4     INTELLECTUAL PROPERTY

         (a) Changepoint or licensors of Changepoint will defend, at its
expense, any action brought against OEM or an End User to the extent that it is
based on a claim that the use of the Changepoint Software within the scope and
as authorized by this Agreement infringes any Canadian or United States
copyright, patent or trade secret of any third person and will indemnify OEM or
an End User from any costs, damages, and legal fees finally awarded against OEM
or an End User by a court of competent jurisdiction from which no appeal is
taken or from which all appeals have been dismissed in such action which are
attributable to such claim and pay any settlements approved in writing by
Changepoint; provided that OEM and/or the End User, as applicable, notifies
Changepoint promptly in writing of same; and provided further that OEM and/or
the End User, as applicable, permits Changepoint or licensors of Changepoint to
defend, compromise or settle the claim and provides all available information,
assistance and authority to enable Changepoint or its licensors to do so.
Changepoint shall not be liable to reimburse OEM or an End User for any
compromise or settlement made by OEM or the End User without Changepoint's prior
written consent, or for any legal fees or expenses incurred by OEM in connection
with such claim. Neither OEM nor an End User shall have authority to settle any
claim on behalf of Changepoint.

         (b) In the event Changepoint receives information concerning an
Intellectual Property Right infringement claim (including a claim referred to in
Section 12.4(a) related to the Changepoint Software, it may, at its expense and
without obligation to do so, either (i) procure for (A) OEM the right to
continue to use the allegedly infringing Changepoint Software in accordance with
the provisions of this Agreement, and (B) the End User the right to continue to
use the allegedly infringing Changepoint Software, (ii) replace or modify the
Changepoint Software to make it not infringing, in which case, OEM shall
thereupon cease distribution and copying of the allegedly infringing Changepoint
Software and shall distribute to and install for End Users, at Changepoint's
sole expense, the replacement or modified software, or (iii) terminate this
Agreement whereupon OEM shall cease all distribution and copying of the
allegedly infringing Changepoint Software except to the extent contractually
required to do so prior to the termination by Changepoint, and Changepoint shall
refund to OEM the full amount of the applicable License Fee Royalties less
depreciation for actual use calculated at the rate of twenty percent (20%) per
annum on a straight-line basis calculated from the date of the commencement of
such use.

         (c) Changepoint shall have no liability for any Intellectual Property
Right infringement claim based on (i) OEM's distribution and copying of the
allegedly infringing Software following termination of this Agreement by
Changepoint as provided for in paragraph (b)(iii) above except to the extent
authorized by such clause, (ii) OEM's or any End User's

<PAGE>
                                      -25-

internal use of any Changepoint Software which continues after Changepoint's
notice that OEM and all End Users to which OEM has distributed directly or
indirectly the allegedly infringing Changepoint Software should cease using
the allegedly infringing Changepoint Software due to a claim; (iii)
combination of the Changepoint Software with any other non-Changepoint
product, program or data to the extent the infringement would not occur
absent such combination; (iv) any claim that the infringement results from or
relates to the Third Party Software except to the extent the infringement is
attributable to the Changepoint Software; (v) adaptation or modification of
any Changepoint Software except to the extent the infringement would not
occur absent such adaptation or modification; or (vi) that relates solely to
the use, copying, or distribution of the OEM Software or the Integrative Code
except for those portions (if any) of the Integrative Code which may be owned
by Changepoint pursuant to the provisions of Section 10.5. For claims in this
Section 12.4(c) for which OEM is responsible, OEM agrees to defend, at its
expense, any action brought against Changepoint and its Affiliates to the
extent of the same, and to indemnify Changepoint and its Affiliates from and
against all damages, costs and expenses, including reasonable attorney's fees
finally awarded against Changepoint and its Affiliates by a court of
competent jurisdiction from which no appeal is taken or from which all
appeals have been dismissed in such action which are attributable to such
claim and to pay any settlements approved in writing by OEM; provided that
Changepoint notifies OEM promptly in writing of same; and provided further
than Changepoint permits OEM to defend, compromise or settle the claim and
provides all available information, assistance and authority to enable OEM to
do so. OEM shall not be liable to reimburse Changepoint for any compromise or
settlement made by Changepoint without OEM's prior written consent, or for
any legal fees or expenses incurred by Changepoint in connection with such
claim. Changepoint shall have no authority to settle any such claim on behalf
of OEM.

         (d) For any Intellectual Property Right claim attributable in part to
the Changepoint Software and in part to the OEM Software, OEM and Changepoint
each agree to contribute to any liability resulting from such Intellectual
Property Right claim in proportion to such party's comparative responsibility in
causing such liability.

         (e) This Section 12.4 states the entire liability of Changepoint and
OEM and Changepoint's and OEM's sole remedies, respectively with respect to any
Infringement Claim.

12.5     DISCLAIMER

         (a) EXCEPT FOR THE EXPRESS WARRANTIES CONTAINED HEREIN, THERE ARE NO
OTHER WARRANTIES OR CONDITIONS WHETHER EXPRESS OR IMPLIED HEREIN MADE BY EITHER
PARTY, INCLUDING ANY IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABLE QUALITY,
FITNESS FOR A PARTICULAR PURPOSE, TITLE OR THOSE ARISING BY STATUTE OR OTHERWISE
BY LAW OR FROM A COURSE OF DEALING OR USE OF TRADE, ALL OF WHICH ARE EXPRESSLY
DISCLAIMED.

         (b) IN NO EVENT WILL CHANGEPOINT OR OEM BE LIABLE FOR SPECIAL,
INCIDENTAL, INDIRECT OR CONSEQUENTIAL LOSS OR DAMAGE, LOST BUSINESS REVENUE,
LOSS OF PROFITS, LOSS OF DATA, FAILURE TO REALIZE EXPECTED PROFITS OR SAVINGS,
DAMAGES FOR DELAY, EXEMPLARY OR PUNITIVE

<PAGE>
                                      -26-

DAMAGES OR ANY CLAIM AGAINST OEM BY ANY OTHER PERSON EVEN IF OEM OR
CHANGEPOINT, AS THE CASE MAY BE, HAS BEEN ADVISED OF THE POSSIBILITY OF ANY
SUCH LOSS OR DAMAGE.

         (c) EACH PARTY'S MAXIMUM LIABILITY TO THE OTHER UNDER THIS AGREEMENT
SHALL IN NO EVENT EXCEED THE AMOUNTS PAID BY OEM TO CHANGEPOINT AS OF THE DATE
THE CLAIMING PARTY FIRST BECAME AWARE OR OUGHT TO HAVE BECOME AWARE OF SUCH
CLAIM. PROVIDED THAT NOTHING IN THIS AGREEMENT SHALL EXCLUDE OR RESTRICT A
PARTY'S LIABILITY FOR DEATH OR PERSONAL INJURY ARISING FROM THE NEGLIGENCE OF
THE PARTY OR ITS EMPLOYEES WHILE ACTING IN THE COURSE OF THEIR EMPLOYMENT.

         (d) Each party shall be liable to the other as expressly provided for
in this Agreement but shall have no other obligation, duty or liability
whatsoever in contract, tort or otherwise to the other including any liability
for negligence.

         (e) The limitations, exclusions and disclaimers in this agreement shall
apply irrespective of the nature of the cause of action, demand, or action by
either party, including but not limited to breach of contract, negligence, tort
or any other legal theory and shall survive a fundamental breach or breaches or
the failure of the essential purpose of this Agreement or of any remedy
contained herein. Notwithstanding the foregoing, the limitations, exclusions and
disclaimers in Sections 12.5(b) and 12.5(c) shall not apply to any claim or
breach of Sections 2.5, 2.6 or 12.4 or Articles 10 or 11.

         (f) Neither party shall be responsible or liable for any loss, damage
or inconvenience suffered by the other or by any third person, to the extent
that such loss, damage or inconvenience is caused by the failure of the other
party to comply with its obligations under this Agreement.

         (g) The parties expressly waive any right to a jury trial regarding
disputes arising from or related to this Agreement.

12.6     WARRANTY AND COVENANTS OF OEM

         (a) OEM represents, warrants and covenants to Changepoint that (i) it
has the right and power to enter into and fully perform this Agreement, and (ii)
in entering into this Agreement, OEM is not and will not be in breach of any
contractual or other obligation to any third party.

         (b) OEM agrees to provide End Users with support of a technical nature
for all aspects of the OEM Application Suite including its installation and use;
provided, however, that Changepoint provides the services described in Section
8.1(a) and the implementation assistance described in Section 3.4. To this end
OEM shall employ and make available to End Users technically qualified personnel
in sufficient numbers to provide such services.

<PAGE>
                                      -27-

                              CONFIDENTIAL TREATMENT

         (c) During the term of this Agreement, Changepoint will provide to OEM
Maintenance Releases for the Changepoint Software. OEM will use commercially
reasonable efforts to enter into Customer Maintenance Agreements with End Users
to provide support and maintenance to End Users. OEM agrees to offer maintenance
and support services to all End Users and to assist End Users who have purchased
Customer Maintenance Agreements in the installation and use of Changepoint
Upgrades delivered by Changepoint hereunder.

         (d) OEM shall not make to any End User any representation or warranty
with respect to the Changepoint Software or any Changepoint Upgrades or the use
thereof in the name of, as agent for, or on behalf of Changepoint.

         (e) OEM agrees to defend, indemnify and hold Changepoint harmless from
and against any and all claims arising as a result of any claim by an End User
regarding: (i) OEM's improper installation or Integration of the Changepoint
Software or any Changepoint Upgrades; (ii) any computer software virus
introduced by OEM that can be demonstrated to have been in the copy of the
Changepoint Software or any Changepoint Upgrades delivered to the End User; and
(iii) its use or inability to use the Changepoint Software if such claim would
not have occurred solely from the use of the Changepoint Software or the
Changepoint Upgrade.

                        ARTICLE 13 - TERM AND TERMINATION

13.1     TERM

         The term of this Agreement shall commence on the Effective Date and
shall continue until December 31, 2001. Thereafter it shall automatically
renew up to four (4) successive one (1) year periods if OEM meets at least
*** of the then-current year's Sales Target, set in accordance with Section
5.4. If OEM does not meet *** of such Sales Target, renewal for an additional
one (1) year period shall be at Changepoint's discretion. If Changepoint
elects not to renew the Agreement, it shall terminate one hundred and eighty
(180) days from the provision of a notice from Changepoint to OEM of its
decision not to renew. Unless otherwise agreed to by the parties in writing
this Agreement shall terminate no later than December 31, 2005.

13.2     TERMINATION

         To the extent permitted by applicable law, either party may
terminate this Agreement by notice in writing to the other party in the event
that (i) a receiver, trustee, liquidator, administrator or administrative
receiver should be appointed for either party or its property, (ii) either
party should become insolvent or unable to pay its debts as they mature or
cease to pay its debts as they mature in the ordinary course of business, or
makes an assignment for the benefit of creditors, or makes a proposal to its
creditors or files a notice of intention to do so, (iii) any proceedings
should be commenced against either party under any bankruptcy, insolvency, or
debtor's relief law, and such proceedings shall not be vacated or set aside
within fifteen (15) days from the date of commencement thereof, or (iv)
either party should be liquidated or dissolved.

***The omitted material has been filed separately with the Securities and
   Exchange Commission pursuant to a request for confidential treatment.

<PAGE>
                                      -28-

13.3     TERMINATION FOR CAUSE

         (a) Changepoint may terminate this Agreement immediately upon written
notice to OEM in the event that (i) OEM fails to make any payment as and when
due to Changepoint (unless such payment is disputed by OEM) or fails to provide
the reports required pursuant to Section 9.3, and, in either case, fails to cure
same within thirty (30) days of receiving notice of such failure from
Changepoint or (ii) OEM fails to perform or breaches any material obligation,
duty or responsibility imposed on it under this Agreement and, in the event any
of the foregoing occur, OEM fails to cure such default or terminate such event
within thirty (30) days of receiving notice of such failure/breach from
Changepoint.

         (b) OEM may terminate this Agreement immediately upon written notice to
Changepoint in the event that Changepoint fails to perform or breaches any
material obligation, duty or responsibility imposed under this Agreement,
including payment of any monies which may become due and owing to OEM hereunder
(unless such payment is disputed by Changepoint), and fails to cure such default
within thirty (30) days of receiving notice of such failure/breach from OEM.

13.4     TERMINATION FOR CONVENIENCE

         OEM may terminate this Agreement for convenience upon ninety (90) days
prior written notice.

13.5     EFFECT OF TERMINATION

         (a) Upon termination or expiration of this Agreement for any reason
other than for breaches by OEM of the provisions of Article 11 (Confidential
Information), or Section 2.6, or the failure of OEM to make any of the payments
due to Changepoint hereunder (unless such payment is the subject of a good faith
dispute between the parties), OEM may continue to provide support and
maintenance services to End Users for a period of three (3) months, or until the
expiry of the Customer Maintenance Agreement (provided that such expiry date is
a maximum of twelve (12) months from the date of expiration or termination of
this Agreement), whichever is greater.

         (b) Upon termination or expiration of this Agreement for any reason:

                  (i)      OEM shall notify End Users of the termination of this
                           Agreement and offer them the option of contracting
                           with Changepoint directly for maintenance;

                  (ii)     the License shall terminate and OEM shall cease all
                           Integration, reproduction and distribution of the
                           Changepoint Software and the OEM Application Suite;

                  (iii)    End User Licenses permitted hereunder and which have
                           been granted prior to the termination of this
                           Agreement shall survive the termination for as

<PAGE>
                                      -29-

                           long as the End Users are not in breach of their
                           respective End User Licenses;

                  (iv)     Changepoint and OEM will co-operate to minimize any
                           negative publicity regarding the other that could
                           arise from the termination of the relationship; and

                  (v)      Changepoint and OEM will work jointly in good faith
                           to establish a process and cost sharing arrangement
                           for maintaining the interfaces between the
                           Changepoint Software and the other programs in the
                           OEM Application Suite for those End Users that wish
                           to continue to use the OEM Application Suite.

13.6     RETURN OF MATERIALS

         Upon termination of this Agreement for any reason, OEM agrees promptly
to return or destroy, at Changepoint's option all materials provided by, or
which reference in any way, Changepoint or the Changepoint Software except such
Changepoint Technical Documentation as may be necessary for OEM to exercise its
rights under Section 13.5(a); provided, however, that following the termination
of such End User support as is authorized under such Section, OEM shall promptly
return or destroy, at Changepoint's option, any such retained materials.
Effective upon the termination of this Agreement, OEM shall cease to use all
trade-marks, marks and trade names of Changepoint. Upon termination of this
Agreement for any reason, Changepoint agrees promptly to return or destroy, at
OEM's option all materials provided by OEM or which reference in any way, OEM or
the OEM Software.

13.7     SURVIVAL

         The provisions of Articles 9 ( other than 9.1 and 9.5), 10 (other than
10.2 and 10.3), and 11 and Sections 2.4, 2.5, 2.6, 7.1(d), 12.4, 12.5, 12.6(e),
13.5 13.6, 13.7, 14.7, 14.10, 14.12 and 14.13 shall remain in force and effect
after the termination or expiration of this Agreement until such time as the
parties may mutually agree to the release of the obligations contained herein.
In addition, the provisions of Article 8 shall survive the termination or
expiration of this Agreement for such period as OEM continues to provide support
to End Users as authorized under Section 13.5(a).

                              ARTICLE 14 - GENERAL

14.1     ASSIGNMENT

         (a) Neither this Agreement nor any rights or obligations of a party
hereto may be assigned by OEM without the prior written consent of Changepoint,
which consent will not be unreasonably withheld or delayed. Any such purported
assignment without such consent shall be void. Notwithstanding the foregoing,
OEM may assign this Agreement in connection with the sale of all or
substantially all of its assets provided OEM provides reasonable notice of same
to Changepoint. Further, such assignment shall not be effective as between the
parties until such

<PAGE>
                                      -30-

time as the assignee agrees in writing with Changepoint to be bound all the
provisions of this Agreement.

         (b) Notwithstanding the foregoing, if OEM assign this Agreement in
connection with the sale of all or substantially all of its assets or merges or
amalgamates with one or more entities that are a direct competitor of
Changepoint, OEM agrees that Changepoint may terminate this Agreement
immediately upon written notice to OEM.

         (b) Changepoint may assign this Agreement or any of its rights or
obligations on written notice to OEM. Notwithstanding the foregoing, if
Changepoint assigns this Agreement to a direct competitor of OEM, OEM may
exercise its right to terminate this Agreement for convenience pursuant to
Section 13.4.

         (c) This Agreement shall inure to the benefit of and be binding upon
the successors and permitted assigns of the parties hereto.

14.2     FORCE MAJEURE

         If the performance of this Agreement, or of any obligation hereunder,
by either party is interfered with by fire, explosion, an Act of God, war,
revolution, civil commotion, an act of public enemies, the prohibition of
exportation or importation or any other causes beyond the reasonable control of
the party then such party will be excused from performance to the extent of such
interference and the other party will likewise be excused from performance of
its obligations to the extent such party's obligations relate to the performance
so interfered with.

14.3     MODIFICATIONS AND AMENDMENTS

         No modification of or amendment to this Agreement shall be valid or
binding unless set forth in writing and duly executed by the parties hereto and
no waiver of any breach of any term or provision of this Agreement shall be
effective or binding unless made in writing and signed by the party purporting
to give the same and, unless otherwise provided, shall be limited to the
specific breach waived.

14.4     RELATIONSHIP BETWEEN THE PARTIES

         Nothing contained in this Agreement shall be construed to give either
party the power to direct or control the day-to-day activities of the other.
Changepoint and OEM are independent persons and nothing herein shall be
construed to create any partnership, joint venture, agency or other similar
relationship. Neither party has the power or authority, directly or indirectly,
or through its servants to bind the other party to any agreement with any third
person or otherwise to contract, or enter into a binding relationship or make
any representation, warranty or contractual commitment for or on behalf of the
other party. Neither of the parties shall be or become liable or bound by any
agreement, representation, act or omission whatsoever of the other party unless
specifically provided for in this Agreement.

<PAGE>
                                      -31-

14.5     EXPORT CONTROLS

         OEM acknowledges that the license and distribution of the Changepoint
Software are subject to the export control laws and regulations of Canada and
the United States of America, and any amendments thereof, which restrict exports
and re-exports of software, technical data, and direct products of technical
data, including services derived from the use of the Changepoint Software. OEM
agrees that it will not export or re-export any Changepoint Software, or any
information and documentation related thereto, directly or indirectly, without
first obtaining permission to do so as required by all applicable laws or
regulations to any countries, End Users or for any end uses that are restricted
by the Canadian or United States export laws and regulations, and any amendments
thereof.

14.6     RESTRICTED RIGHTS

         No licensing of the OEM Application Suite shall be made to the United
States Government without the prior written agreement of Changepoint as to the
form and substance of the restricted rights legends to be applied to the OEM
Application Suite.

14.7     NOTICES

         Any demand, notice or other communication to be given in connection
with this Agreement shall be given in writing and shall be given by personal
delivery, by registered or certified first class mail, by Federal Express or
other express courier or by electronic means of communication addressed to the
recipient as follows:

                  To Changepoint:

                  1595 Sixteenth Avenue
                  Suite 702
                  Richmond Hill, Ontario
                  L4B 3N9

                  Telecopy:          (905) 886-7023
                  Attention:        Chief Financial Officer

                  To OEM:

                  45 Shawmut Road
                  Canton, Massachusetts
                  USA 02021

                  Telecopy:         (781) 830-9340
                  Attention:        Chief Financial Officer

or to such other address, individual or electronic communication number as may
be designated hereafter from time to time by notice given by either party to the
other. Any demand, notice or other communication given by personal delivery or
express courier shall be conclusively deemed

<PAGE>
                                      -32-

to have been given on the business day of actual delivery thereof and, if
given by registered or certified mail, on the 4th business day following the
deposit thereof in the mail and, if given by electronic communication, on the
day of transmittal thereof if given during the normal business hours of the
recipient and on the business day during which such normal business hours
next occur if not given during such hours on any day. If the party giving any
demand, notice or other communication knows or ought reasonably to know of
any difficulties with the postal system which might affect the delivery of
mail, any such demand, notice or other communication shall not be mailed but
shall be given by personal delivery, express courier or by electronic
communication.

14.8     SEVERABILITY

         If a court or other lawful authority of competent jurisdiction declares
any provision or Section of this Agreement invalid, illegal or unenforceable,
this Agreement will continue in full force and effect with respect to all other
provisions and Sections and giving as much adherence as lawful to the spirit of
the invalid, illegal or unenforceable clause, and all rights and remedies
accrued under such other provisions and Sections will survive any such
declaration.

14.9     PRESS RELEASE

         OEM and Changepoint shall jointly develop a press release or similar
statement, mutually acceptable to both parties, describing the existence of the
relationship contemplated by this Agreement and the scope of their respective
activities and furtherance hereof. Each party shall be entitled to publish the
press release or similar statement.

14.10    GOVERNING LAW

         This Agreement shall be exclusively governed by and construed in
accordance with the laws in force in the State of New York without reference to
its conflict of laws principles. Both parties submit to the jurisdiction of the
courts of the State of New York for any legal action arising out of this
Agreement or the performance of the obligations hereunder which shall be the
exclusive forum for any claim brought hereunder. This Agreement, and the rights
and obligations of the parties under this Agreement, will not be governed by the
provisions of the 1980 UNITED NATIONS CONVENTION ON CONTRACTS FOR THE
INTERNATIONAL SALE OF GOODS.

14.11    COUNTERPARTS

         This Agreement may be executed in any number of counterparts, each of
which shall be deemed to be an original and of which taken together shall be
deemed to constitute one and the same instrument.

14.12    DISPUTE RESOLUTION AND ARBITRATION

         In the event that any dispute or disagreement arises between OEM and
Changepoint with respect to (i) the interpretation of any provision of this
Agreement, (ii) the performance of Changepoint or OEM under this Agreement, or
(iii) any other matter related to this Agreement, upon the written request of
either party, the parties will meet for the purpose of resolving such

<PAGE>
                                      -33-

dispute. The parties agree to discuss the problem and negotiate in good faith
without the necessity of any formal proceedings related thereto. No formal
proceedings for the resolution of such dispute may be commenced until either
party concludes in good faith that the applicable resolution through
continued negotiation of the matter in issue does not appear likely. The
parties further agree that all disputes hereunder which cannot be settled in
the manner hereinbefore described (any such dispute is referred to here as a
"Dispute") will be settled by final and binding arbitration conducted in
accordance with the American Arbitration Association (or any successor
thereto), as amended from time to time. Judgment upon the award rendered in
any such arbitration may be entered in any court having jurisdiction thereof,
or application may be made to such court for a judicial acceptance of the
award and an enforcement, as the law of such jurisdiction may require or
allow. Notwithstanding the foregoing, disputes with respect to any
infringement claim including without limitation any claim based on the
infringement, violation or misappropriation of any Intellectual Property
Right shall not be settled by arbitration, without the prior written consent
of the parties.

         The arbitration panel will be composed of one person appointed by the
party requesting the arbitration (the "Applicant"), one person appointed by the
other party (the "Respondent") and a third person to act as chairperson, chosen
by the two arbitrators, or, if both parties agree, the arbitration panel will
consist of a sole arbitrator. No person may be appointed as an arbitrator unless
he or she is independent of the Applicant and Respondent, is skilled in the
subject matter of the Dispute and is not directly or indirectly carrying on or
involved in a business being carried on in competition with the business of the
parties. The decision of the arbitration panel shall be made by a majority vote
or by the sole arbitrator, as the case may be. In the event of the failure of
the arbitration panel to reach a majority decision, the decision of the
chairperson shall constitute the decision of the arbitration panel. The venue
for the arbitration shall be at New York City, New York unless otherwise agreed
to by the parties in writing. The arbitration shall be conducted pursuant to the
legislation in the State of New York implementing the MODEL LAW ON INTERNATIONAL
COMMERCIAL ARBITRATION adopted by the United Nations Commission on International
Trade Law.

14.13    ENTIRE AGREEMENT

         This Agreement and the schedules attached hereto constitute the entire
Agreement between the parties hereto with respect to the subject matter hereof
and cancels and supersedes any prior understandings and Agreements between the
parties hereto with respect thereto. There are no representations, warranties,
terms, conditions, provisions, undertakings or collateral Agreements, expressed,
implied or statutory, between the parties other than as expressly set forth in
this Agreement.

<PAGE>
                                      -34-

IN WITNESS WHEREOF the parties have executed this Agreement as of the Effective
Date by their duly authorized officers.

CHANGEPOINT INC.                         SOFTRAX CORPORATION

Per: _______________________________     Per: ________________________________

Title: _____________________________     Title: ______________________________

<PAGE>

                                  SCHEDULE A-1

                              CHANGEPOINT SOFTWARE

SQL Edition:

         Service Delivery Management

         Project and Resource Management

         Customer Relationship Management

         Support Management

         Guest User Access

<PAGE>

                                  SCHEDULE A-2

                                  OEM SOFTWARE

SOFTRAX Financial applications

SOFTRAX Operations applications

SOFTRAX Web applications

<PAGE>

                                   SCHEDULE B

                   TERMS AND CONDITIONS FOR END USER LICENSES

The End User License shall contain the following provisions:

         -the Documentation may be used solely in conjunction with the
         applicable Changepoint Software provided to the End User.

         -the Changepoint Software must be used in and not transferred or
         exported outside of the Territory except in accordance with applicable
         laws and regulations regarding the export of technology enacted by the
         United States and/or Canadian government.

         -an express prohibition against the granting of sublicenses to any
         portion of the Changepoint Software or the OEM Application Suite
         without the prior written consent of OEM and Changepoint.

         -End Users may not make copies of the Changepoint Software, except for
         making back-up or archival copies thereof. All copies must include
         proprietary, copyright, trademark and other proprietary legends of
         Changepoint in the same form and locations as the legends appearing on
         or in the said software.

         -an acknowledgement that OEM or its licensors retain the title to and
         Intellectual Property Rights in the Changepoint Software.

         -an acknowledgement that the Changepoint Software contains trade
         secrets of licensors of OEM and a requirement that the End User use no
         less than the same means it uses to protect its similar confidential
         and proprietary information, but in any event not less than reasonable
         means, to prevent the disclosure and to protect the confidentiality of
         the said software.

         -a covenant not to disassemble, decompile, translate or convert into
         human readable form or into another computer language, reconstruct or
         decrypt or reverse engineer, all or any part of the Changepoint
         Software.

         -a requirement that upon the termination or expiration of the End User
         License that the End User return to OEM all copies of the Changepoint
         Software or certify to OEM that all copies have been destroyed and
         cease using the said software.

         -a disclaimer that licensors of OEM shall have no liability to End
         Users including any liability for damages, whether direct, indirect,
         incidental or consequential or for loss of profits arising from or
         related to the use of the Changepoint Software provided by OEM to the
         End User or the OEM Application Suite.

         -an acknowledgement that OEM's licensors of software are intended third
         party beneficiaries of the End User License and may enforce it directly
         against the End User.

<PAGE>

                                   SCHEDULE C

                               TRAINING MATERIALS

End User Training Manual

Customer Relationship Training Manual

Revenue Management Training Manual

Service Delivery Training Manual

<PAGE>

                             CONFIDENTIAL TREATMENT

                                   SCHEDULE D

                                    ROYALTIES

1.       LICENSE FEE ROYALTIES

         OEM will pay Changepoint License Fee Royalties on all licenses sold by
OEM of Changepoint Software. For purposes of this Schedule, the term "License
Fee" shall refer to the actual selling price of the Changepoint Software license
charged by OEM. The License Fee Royalty paid will be calculated by multiplying
the applicable Royalty Percentage (based on the table in section 1.1 below) by
the greater of (a) the License Fee or (b) the Minimum Royalty Factor (as defined
in section 1.3 below).

1.1  Royalty Percentage

       The Royalty Percentage to be used in
       calculating the License Fee Royalty
       payable by OEM to Changepoint
       hereunder shall be determined by the
       following table:

<TABLE>
<CAPTION>
     -----------------------------------------------------------------------
       Aggregate Revenues in                        Applicable Royalty
       License Fees to OEM during                       Percentage
       Calendar Year
     -----------------------------------------------------------------------
     <S>                                                  <C>
       ***                                                  ***
     -----------------------------------------------------------------------
       ***                                                  ***
     -----------------------------------------------------------------------
       ***                                                  ***
     -----------------------------------------------------------------------
       ***                                                  ***
     -----------------------------------------------------------------------
       ***                                                  ***
     -----------------------------------------------------------------------

</TABLE>

         For the purposes of this Schedule D, revenues received in calendar year
         1999 shall be considered as received in calendar year 2000. In
         addition, the applicable royalty percentage shall be reduced by
         *** for all sales closed during the period beginning on the
         Effective Date and running through June 30, 2000.

***The omitted material has been filed separately with the Securities and
   Exchange Commission pursuant to a request for confidential treatment.

<PAGE>

                             CONFIDENTIAL TREATMENT

         1.1.1    OEM may, at its option, lock in a royalty percentage rate to
                  be applied from the first dollar of revenue in a calendar year
                  by paying the fee associated with such rate as indicated in
                  the following table:

<TABLE>
<CAPTION>
                  ------------------------------------------------------------
                                           Royalty Percentage
                                          from $0 to commitment
                   Discount Level                 level                 Fee
                  ------------------------------------------------------------
                  <S>                             <C>                 <C>
                   ***                            ***                 ***
                  ------------------------------------------------------------
                   ***                            ***                 ***
                  ------------------------------------------------------------
                   ***                            ***                 ***
                  ------------------------------------------------------------

</TABLE>

         1.1.2    Royalty payments for License Fee revenue in excess of the
                  discount level contracted for would be calculated using the
                  royalty percentage set forth in the table in section 1.1 above
                  applicable to the aggregate revenue amount achieved by OEM for
                  the applicable calendar year (including all revenues for which
                  the contracted discount percentage was applied).

         1.1.3    In the event OEM elects to lock in a Royalty Percentage rate
                  pursuant to the terms of section 1.1.1 above, the choice of
                  the applicable rate will be made by January 1st of each year
                  and an irrevocable commitment to pay Changepoint the
                  associated fee will be required at that time. Payment of the
                  fee will be made in 4 payments on the 15th day of February,
                  May, August and November.

         1.1.4    If, at any time during the term of this Agreement, (a)
                  Changepoint elects to integrate into the Changepoint Software
                  or develops a new module for the Changepoint Software, in
                  either event which incorporates or requires third party
                  software, and (b) OEM, in its sole discretion, elects to
                  include such additional third party software as integrated
                  into or as an additional module to the Changepoint Software,
                  and (c) Changepoint provides OEM the right hereunder to
                  license such third party software to End Users, then OEM shall
                  remit to Changepoint, with respect to each license of any such
                  third party software, that amount which Changepoint actually
                  paid to the third party for the license of such software plus
                  fifty percent (50%) of the difference, if any, between the
                  list price of such third party software and the amount which
                  Changepoint actually paid to the third party for the license
                  of such software.

1.2 Minimum Royalty Factor

         The current Price List is attached in Schedule E. For the calculation
of the Minimum Royalty Factor, the then applicable list prices, as per section
9.5, will be used. The Minimum Royalty Factor shall be determined by selecting
the list price for the license sold from the appropriate column(s) for the bands
and number of seats purchased from the Price List, multiplied by the number of
seats purchased and applying the additional discount from the table below:

***The omitted material has been filed separately with the Securities and
   Exchange Commission pursuant to a request for confidential treatment.

<PAGE>

<TABLE>
<CAPTION>

                           CONFIDENTIAL TREATMENT

       -------------------------------------------------------
         SEATS                 ADDITIONAL DISCOUNT
       -------------------------------------------------------
       <S>                  <C>
         ***                           ***
       -------------------------------------------------------
         ***                           ***
       -------------------------------------------------------
         ***                           ***
       -------------------------------------------------------
         ***                           ***
       -------------------------------------------------------
         ***                           ***
       -------------------------------------------------------
         ***                           ***
       -------------------------------------------------------

</TABLE>

         The resulting amount will be multiplied by the Royalty Percentage in
1.1 of this Schedule to determine the License Fee Royalty Amount.

***The omitted material has been filed separately with the Securities and
   Exchange Commission pursuant to a request for confidential treatment.

<PAGE>

                            CONFIDENTIAL TREATMENT

2.       MAINTENANCE FEE ROYALTIES

         OEM will pay Changepoint Maintenance Fee Royalties on all Customer
Maintenance Agreements for licenses sold by OEM. For purposes of this Schedule,
the term "License Fee" shall refer to the actual selling price of the
Changepoint Software license charged by OEM. Maintenance Fee Royalties are
annual fees.

         The License Fee Royalty paid will be calculated by multiplying:

                  (i)      the Applicable Royalty Percentage (based on the table
                           below)

                  (i)      an amount equal to the Maintenance Percentage in
                           Schedule E (as may be amended from time to time
                           pursuant to by Section 9.5 of the OEM Agreement)

                  (iii)    the greater of (a) the License Fee or (b) the Minimum
                           Royalty Factor (as defined in section 1.2 above).

<TABLE>
<CAPTION>

       ----------------------------------------------------------------------
       Aggregate Maintenance Revenues (in any              Applicable Royalty
       calendar year).                                     Percentage
       <S>                                                 <C>
       ***                                                      ***
       ***                                                      ***
       ***                                                      ***
       ----------------------------------------------------------------------

</TABLE>

An Example:

     1.  Sale price:  $ ***

     2.  Aggregate Maintenance Revenues (to date):  $ ***  (this means the
         Applicable Royalty Percentage is *** %)

     3.  Maintenance Percentage:  *** %

     Calculation of Maintenance Fee Royalties:  $100,000 x 18% x 30% = $5,400

***The omitted material has been filed separately with the Securities and
   Exchange Commission pursuant to a request for confidential treatment.

<PAGE>

                             CONFIDENTIAL TREATMENT

                                   SCHEDULE E

                             CHANGEPOINT PRICE LIST

CHANGEPOINT DISCOUNT SCHEDULE

CHANGEPOINT LICENSES

     1)  SOFTWARE CAN BE LICENSED AS "FULL SEAT" WHICH INCLUDES THE MANDATORY
         SERVICE DELIVERY MODULE AND THE THREE ADDITIONAL MODULES LISTED BELOW.

     2)  SOFTWARE CAN BE LICENSED BY MODULE WHICH MEANS THE MANDATORY SERVICE
         DELIVERY MODULE AND ANY OR NONE OF THE ADDITIONAL MODULES ON THE
         UNDERSTANDING THAT WHAT EVER MODULES ARE LICENSED FOR AN ENTERPRISE
         MUST ALL BE THE SAME MODULES FOR ALL SEATS IN THE ENTERPRISE. THIS
         MEANS THAT ONE SET OF USERS CANNOT HAVE SOME FUNCTIONS WHILE ANOTHER
         SET OF USERS HAS DIFFERENT FUNCTIONS WITHIN THE SAME ENTERPRISE.

<TABLE>
<CAPTION>
--------------------------------------------------------------------------------------------------
                           FULL SEAT              SERVICE     PROJECT &
    SEATS      DISCOUNT      PRICE       BANDS    DELIVERY       RES         CRM        SUPPORT
--------------------------------------------------------------------------------------------------
<S>            <C>         <C>           <C>      <C>          <C>           <C>        <C>
***              ***          ***                   ***          ***         ***          ***
--------------------------------------          --------------------------------------------------
***              ***          ***                   ***          ***         ***          ***
--------------------------------------          --------------------------------------------------
***              ***          ***                   ***          ***         ***          ***
--------------------------------------          --------------------------------------------------
***              ***          ***                   ***          ***         ***          ***
--------------------------------------          --------------------------------------------------
***              ***          ***                   ***          ***         ***          ***
--------------------------------------          --------------------------------------------------
***              ***          ***                   ***          ***         ***          ***
--------------------------------------------------------------------------------------------------
</TABLE>

<TABLE>
<CAPTION>
                                                 --------------------------------------------------------------------------
GUEST ACCESS LICENSES                            SCENARIO
                                                 --------------------------------------------------------------------------
                                                 DEAL            500                                               FULL
                                                 EXAMPLE         SEATS        PRICE     DISCOUNT     SUB TOT       PRICE
-----------------------------------------        --------------------------------------------------------------------------
GUEST          DISCOUNT         FULL SEAT        <S>             <C>          <C>       <C>          <C>           <C>
                                  PRICE                         ***             ***     ***          ***           ***
-----------------------------------------        --------------------------------------------------------------------------
<S>            <C>              <C>
***                   ***        ***                            ***             ***     ***          ***           ***
-----------------------------------------        --------------------------------------------------------------------------
***                   ***        ***                            ***             ***     ***          ***           ***
-----------------------------------------        --------------------------------------------------------------------------
***                   ***        ***                            ***             ***     ***          ***           ***
-----------------------------------------        --------------------------------------------------------------------------
                                                                                                     ***           ***
                                                 --------------------------------------------------------------------------
                                                                                      CUM DISC:       ***
                                                 --------------------------------------------------------------------------

-----------------------------------------        --------------------------------------------------------------------------
MAINTENANCE                                      DEAL            1000                                              FULL
PERCENTAGE  ***                                  EXAMPLE         SEATS        PRICE     DISCOUNT      TOTAL        PRICE
-----------------------------------------        --------------------------------------------------------------------------
                                                                ***             ***     ***            ***          ***
                                                 --------------------------------------------------------------------------
                                                                ***             ***     ***            ***          ***
                                                 --------------------------------------------------------------------------
                                                                ***             ***     ***            ***          ***
                                                 --------------------------------------------------------------------------
                                                                ***             ***     ***            ***          ***
                                                 --------------------------------------------------------------------------
                                                                ***             ***     ***            ***          ***
                                                 --------------------------------------------------------------------------
                                                                ***             ***     ***            ***          ***
                                                 --------------------------------------------------------------------------
                                                                                      CUM DISC:        ***
                                                 --------------------------------------------------------------------------
</TABLE>

TERMS

- All discounts based on single order quantity

***The omitted material has been filed separately with the Securities and
   Exchange Commission pursuant to a request for confidential treatment.

<PAGE>

                                   SCHEDULE F

                                ESCROW AGREEMENT

                  THIS AGREEMENT made as of this 17th day of January, 1997
between CHANGEPOINT CORPORATION ("Changepoint"), a company with offices located
at 1595 Sixteenth Avenue, Suite 702, Richmond Hill, Ontario, Canada, L4B 3N9 and
MONTREAL TRUST COMPANY OF CANADA, a trust company with offices at 151 Front
Street West, Suite 605, Toronto, Ontario, M5J 2N1 ("Escrow Agent") and those
customers of Changepoint or Affiliates of Changepoint who have requested to be
part of the escrow program established by this agreement and who are made party
to this agreement by signing the form of letter attached to this agreement as
schedule B ("Letter Agreement"), having same approved by Escrow Agent and having
copies of same returned to Changepoint and customer (each such customer shall be
referred to herein as a "Customer" and all such customers shall collectively be
referred to herein as the "Customers").

                  WHEREAS, Changepoint or an Affiliate of Changepoint has or
proposes to enter into agreements with Customers to provide certain maintenance
services (each such contract with a Customer shall be referred to as an
"Agreement" and all such contracts with Customers shall collectively be referred
to as the "Agreements") in respect of software licensed or to be licensed by
Changepoint or an Affiliate of Changepoint to Customers (the "Software").

                  AND WHEREAS, Changepoint and Customers wish to assure the
continued availability of the source code to the Software for the Customers in
the event of an Emergency condition and to establish and maintain in escrow the
source code for the Software;

                  AND WHEREAS, Escrow Agent agrees to store and release such
source code under the terms of this agreement.

                  NOW THEREFORE, in consideration of the premises and covenants
contained herein, the parties hereby agree as follows:

1.                DEFINITIONS

                  In this agreement and in the Recitals and Schedules hereto,
unless otherwise specified or patently required by the context, the words and
phrases defined in this agreement shall have the meanings ascribed to them
herein and the following terms shall have the following meanings indicated
below:

                  "AFFILIATE" shall have the meaning ascribed to it in the
Canada Business Corporations Act as amended.

                  "EFFECTIVE DATE" means the date first written above.

                  "EMERGENCY" in relation to a Customer means:

<PAGE>
                                      -2-

                           A.       Changepoint ceases to carry on business as a
                                    going concern; or

                           B.       Changepoint makes an assignment in
                                    bankruptcy for the general benefit of its
                                    creditors, or a receiving order is made
                                    against Changepoint and such order is not
                                    discharged within thirty (30) days of its
                                    making;

                                    AND within forty-five (45) days of any such
                                    event in A or B above, (i) no entity
                                    acquires the assets of Changepoint or (ii)
                                    no entity is willing and able to support and
                                    maintain the Software; or

                           C.       Changepoint and its Affiliates (or their
                                    successors or assigns) are unwilling or
                                    unable in any material respect to comply
                                    with the obligations under the Agreement
                                    with the Customer to correct programming
                                    errors in the Software delivered to the
                                    Customer which materially and adversely
                                    affect the Customer's use of such software
                                    and has failed to take all reasonable steps
                                    to cure such default after the receipt of no
                                    less than thirty (30) business days prior
                                    written notice (a "Changepoint Default").

                  "SOURCE CODE" in relation to any Customer means the source
code for the modules of the Software licensed by Changepoint or an Affiliate to
the Customer and identified as the Source Code applicable to the Customer.

                  "UPDATED SOFTWARE" means maintenance releases and other
changes or additions to the Software in object code form that are provided to a
customer as part of maintenance services under an Agreement.

                  "UPDATED SOURCE CODE" in relation to any Customer means an
amended version of the Source Code that incorporates all changes, modifications,
enhancements and updates pertaining to the Updated Software that have been
delivered to the Customer under an Agreement and identified as the Updated
Source Code applicable to the Customer.

2.                DEPOSIT AND SUBSTITUTION

         (a) Changepoint agrees to deposit in escrow with Escrow Agent for the
benefit of each Customer a copy of the Source Code applicable to the Customer
within thirty (30) business days of the commencement of the term of the
Agreement to supply support and maintenance to the Customer.

         (b) Within thirty (30) days of Changepoint or an Affiliate supplying to
a Customer Updated Software, Changepoint agrees to deposit in escrow with Escrow
Agent the Updated Source Code corresponding to such Updated Software. During the
term of the Agreement, Escrow Agent shall retain the Source Code or Updated
Source Code, as the case may be, for the current and prior release of the
Customer's Software. Other versions of the Source Code and

<PAGE>
                                      -3-

Updated Source Code shall be returned to Changepoint by Escrow Agent upon the
written request of Changepoint. In its written request, Changepoint shall
specifically and clearly identify those versions of the Source Code and
Updated Source Code that shall be returned to Changepoint by Escrow Agent.

3.                TERM OF AGREEMENT

                  Unless terminated earlier according to its terms, this
agreement shall remain in full force and effect as between Changepoint and
Escrow Agent from the Effective Date of this agreement until the expiration or
termination of the Agreements. Obligations hereunder with respect to a specific
Customer shall commence on the date the Customer becomes a party to this
agreement by signing the Letter Agreement and delivering same to Changepoint and
Escrow Agent and shall continue unless earlier terminated according to the terms
of this agreement, on the effective date of the termination or expiration of the
Agreement with the Customer. The obligations of Changepoint and Escrow Agent to
any Customer shall also terminate upon delivery to the Customer of a copy of the
Source Code or Updated Source Code according to the provisions of sections 6, 8,
or 9 of this agreement.

4.                CHARGES

                  Changepoint shall pay Escrow Agent's annual fee for services
that are set out in Schedule A attached hereto. These charges are solely for the
storage of the Source Code and Updated Source Code. Any other services provided
by Escrow Agent shall be at then current hourly rates. Customer shall pay the
charges of Escrow Agent pertaining to services provided on behalf of Customer
(other than the storage of the Source Code and Updated Source Code) including
(a) Escrow Agent's fees and actual costs related to any Customer request, (b)
Escrow Agent's fees and actual costs related to validating a claim by Customer
that an Emergency exists, and (c) releasing the Source Code and Updated Source
Code to Customer. In addition to the charges set out, the Customer shall pay all
applicable taxes related to items (a) to (c) above, exclusive of taxes based on
Escrow Agent's net income.

5.                APPOINTMENT OF ESCROW AGENT

                  The parties agree that Escrow Agent is hereby appointed to act
as Escrow Agent for the Customers and to receive the Source Code or Updated
Source Code according to the provisions of this agreement.

6.                RELEASE OF SOURCE CODE TO THE CUSTOMER

                  If the Customer reasonably determines that there is an
Emergency, the Customer shall so notify Changepoint and Escrow Agent in writing
describing the Emergency in detail and making a formal demand that Escrow Agent
release the Source Code or Updated Source Code applicable to the Customer. If
Changepoint disagrees with the Customer that an Emergency exists or continues to
exist, Changepoint shall so notify Escrow Agent and the Customer in writing
within ten business days (10) days after receipt of the Customer's demand for
release of

<PAGE>
                                      -4-

the Source Code or Updated Source Code and Escrow Agent shall not release the
Source Code or Updated Source Code except as provided in sections 8 or 9 of
this agreement. Failure of Changepoint to give timely notice objecting to the
release of the Source Code or Updated Source Code shall conclusively
establish its consent to the immediate release of the Source Code or Updated
Source Code to the Customer under the terms of this agreement.

7.                INJUNCTIVE RELIEF

                  Changepoint and the Customer acknowledge and agree that
Changepoint will suffer irreparable harm in the event that the Source Code or
Updated Source Code is wrongly released to the Customer and that Changepoint may
obtain injunctive relief from a court of competent jurisdiction to prevent
Escrow Agent from releasing the Source Code or Updated Source Code
unjustifiably.

8.                DISPUTE RESOLUTION

                  In the event of any dispute under section 6 of this agreement,
senior management of Changepoint and the Customer shall meet no later than seven
(7) business days after service of Changepoint's or the Customer's dispute
notice and shall enter into good faith negotiations aimed at resolving the
dispute in an amicable manner. If they are unable to resolve the dispute in a
mutually satisfactory manner within the next one (1) business day, either
Changepoint or the Customer may submit the matter to binding arbitration under
section 9 of this agreement.

9.                ARBITRATION

                  Upon receipt by Escrow Agent of written notice by Changepoint
or the Customer calling for arbitration as provided for in section 8, the
dispute shall be settled by arbitration pursuant to the provisions of the
Arbitration Act, 1991 (Ontario), as amended from time to time. The arbitration
proceedings shall take place in the Municipality of Metropolitan Toronto
provided that the arbitration panel may, for the convenience of the parties and
without changing the venue of the arbitration proceeding, take evidence outside
of the Municipality of Metropolitan Toronto. In addition to the rules governing
such arbitration, the parties shall have at their disposal the broadest
pre-trial document discovery rights as are then available under the laws and
judicial rules of the Province of Ontario, provided that any dispute between the
parties relating to discovery shall be submitted to the arbitration panel for
resolution. The sole issues for arbitration shall be the matters set out in
section 6. If the arbitrator(s) decide the matter in favour of the Customer, the
arbitrator(s) shall order the Source Code or Updated Source Code to be released
to the Customer forthwith, and may make a determination about costs of the
parties. The arbitrator(s) shall have the power to make interim orders where
necessary. The arbitrator(s) shall establish a procedure to attempt to have all
disputes resolved in an expeditious manner.

10.               OBLIGATIONS OF ESCROW AGENT AND THE CUSTOMER UPON TERMINATION

                  Upon the expiration or termination of an Agreement,
Changepoint may give written notice of such termination or expiration to Escrow
Agent. Following the expiration of

<PAGE>
                                      -5-

thirty (30) days from the receipt of such notice by Escrow Agent, Escrow
Agent shall cease to have any obligation to the Customer concerning the
Source Code or Updated Source Code and Escrow Agent shall return same to
Changepoint.

11.               INDEMNIFICATION OF ESCROW AGENT

                  Escrow Agent shall not, because of its signing this agreement,
assume any responsibility or liability for any transaction between Changepoint
and the Customer other than the performance of its obligations according to this
agreement. Except for a breach of the obligations set out in section 12 herein,
in no event shall Escrow Agent be liable to Changepoint, the Customer or to any
other party for consequential or incidental damages. If for any reason (except
for a breach of the obligations set out in section 12 herein), Escrow Agent
shall be found liable to Changepoint, the Customer or to any other party, then
in such event the parties agree that such liability shall not exceed the amounts
paid to Escrow Agent hereunder. The party on whose behalf, or pursuant to whose
direction Escrow Agent acts, shall indemnify and hold harmless Escrow Agent, its
officers and employees from any and all liability, damages, costs or expenses,
including reasonable fees that shall be sustained or incurred by Escrow Agent
because of taking such action.

12.               NONDISCLOSURE BY ESCROW AGENT

                  Escrow Agent recognizes and agrees that Source Code and
Updated Source Code is the valuable proprietary and confidential information of
Changepoint and/or licensors of Changepoint and agrees to hold same in strict
confidence and that it will take all appropriate actions to preserve its
confidentiality. Except as expressly provided for in this agreement, Escrow
Agent agrees that it will not use or disclose, divulge or make available the
Source Code or Updated Source Code to any person, association, firm, partnership
or corporation either directly or indirectly in any manner whatsoever without
the prior written consent of Changepoint.

13.               USE AND NONDISCLOSURE BY THE CUSTOMER

         (c) The Customer recognizes and agrees that the Source Code and Updated
Source Code is the valuable proprietary and confidential information of
Changepoint. The Customer agrees to hold same in the strictest of confidence and
to preserve its confidentiality in the event that it obtains same from Escrow
Agent pursuant to this agreement. In the event that an Emergency condition has
occurred and the Customer has received the Source Code or the Updated Source
Code from Escrow Agent pursuant to the provisions hereof, the Customer shall
have and Changepoint hereby grants to the Customer a non-exclusive
non-transferable license to use the Source Code or Updated Source Code solely
for the purpose of correcting Changepoint Defaults and, in the case the release
of the Source Code to the Customer was as a result of an Emergency condition
described in clause A or B of the definition of Emergency, to correct other
programming errors that result in the Software not operating in the manner
described in the user documentation provided by Changepoint to the Customer for
as long as such Emergency condition continues to exist. No other use of the
Source Code or Updated Source Code

<PAGE>
                                      -6-

whatsoever may be made by Customer. The Customer agrees not to disclose or
provide access to the Source Code or Updated Source Code to any third party
except in confidence to its employees and contractors approved in writing by
Changepoint requiring such information for the purposes herein. Changepoint
agrees not to unreasonably refuse or delay the approval of a contractor
proposed by the Customer and Changepoint shall notify the Customer of its
approval or non-approval within seven (7) business days of receipt of a
written request from the Customer for an approval. A contractor will be
deemed approved by Changepoint in the event Changepoint fails to respond to a
Customer request for approval within the seven (7) business day period, or if
the release of the Source Code was as a result of an Emergency condition
described in clause A or B of the definition of Emergency. Customer will
instruct such employees and contractors in writing to keep such material and
information confidential. Customer shall be responsible to Changepoint for
any failure by employees and contractors to maintain such material and
information in confidence. Customer will promptly notify Changepoint of the
existence of any circumstances surrounding any unauthorized possession or use
of any such confidential information and material of which it becomes aware.
In the event that the Source Code, or Updated Source Code, as the case may
be, is released pursuant to the Emergency described in clause 1.C, the Source
Code or Updated Source Code, as the case may be, shall be returned to Escrow
Agent with notice to Changepoint after Customer has corrected the Changepoint
Defaults described in the written notice referred to in clause 1.C.

         (d) The parties agree that Changepoint would have no adequate remedy at
law upon the Customer's threatened or actual breach of its obligations under the
terms of this agreement and accordingly agree that, in addition to such monetary
relief as may be recoverable by law, Changepoint may apply to a court of
competent jurisdiction for an injunction restraining any such threatened or
actual breach without showing or proving any actual damages sustained by
Changepoint. Changepoint shall be entitled to terminate the Customer's license
to use the Source Code and Updated Source Code in Section 13(a) by written
notice to the Customer in the event the Customer breaches any of its obligations
in Section 13(a) or uses such software for any unauthorized purpose. On any such
termination the Customer shall immediately stop using such software and shall
forthwith return and/or destroy all copies thereof and certify in writing to
Changepoint that it has done so within five (5) days of the termination.

14.               TERMINATION BY ESCROW AGENT

                  This agreement may be terminated by Escrow Agent by giving at
least ninety (90) days written notice to Changepoint and the Customer. In that
event, Changepoint shall appoint and Customer hereby consents to the appointment
of a new escrow agent on terms substantially the same as those contained herein
subject to such modifications as the new escrow agent shall require and that
shall be reasonably acceptable to Changepoint.

15.               LIABILITIES OF ESCROW AGENT

         (a) Escrow Agent will not have any responsibility or liability with
respect to any transactions between Changepoint and Customers other than its
obligation to deliver copies of the Source Code and Updated Source Code, as the
case may be, held by it in accordance with the

<PAGE>
                                      -7-

terms of this agreement. Escrow Agent will not be responsible for the truth
of any matter represented or stated in any affidavit or communication.

         (b) Escrow Agent is not a party to, or is not bound by, any provisions
which may be evidenced by, or arise out of, any agreement other than as herein
set forth under the express provisions of this agreement.

         (c) Escrow Agent acts hereunder as a depository only and is not
responsible or liable in any manner whatever for the efficiency, correctness,
genuineness or validity of any Source Code or Updated Source Code deposited with
it, or for the form or execution of such instrument, or for the identity or
authority or right of any person or party executing or depositing it.

         (d) Escrow Agent may act upon any written notice, request, waiver,
consent, receipt or other paper or document apparently signed by the proper
person or party, unless Escrow Agent knows or has reason to believe that such
notice, request, waiver, consent, receipt, or other paper or document, as the
case may be, was not signed by the proper person or party.

         (e) Escrow Agent may seek the advice of legal counsel in the event of
any question or dispute as to the construction of any of the provisions hereof
or its duties hereunder, and it shall incur no liability in acting in accordance
with the opinion and instructions of such counsel, unless such action involves a
breach of this agreement.

         (f) Escrow Agent shall not be liable for any error of judgement, or for
any act done or omitted by it in good faith, or for any mistake of fact or law,
or for anything which it may do or omit from doing in connection herewith,
except its own wilful misconduct or breach of this agreement.

         (g) None of the provisions contained in this agreement shall require
Escrow Agent to expend or risk its own funds or otherwise incur financial
liability in the performance of any of its duties or in the exercise of any of
its rights or powers unless Escrow Agent is indemnified by the person for whom
Escrow Agent is asked to act against the costs, charges and expenses and
liabilities to be incurred thereby and any loss and damage it may suffer by
reason thereof.

16.               APPROVAL OF CUSTOMER BY ESCROW AGENT

                  Within ten (10) business days of the receipt of the Letter
Agreement from a prospective Customer, Escrow Agent shall approve of the
prospective Customer by countersigning the Letter Agreement and sending same to
prospective Customer and Changepoint or shall disapprove of a prospective
Customer by providing notice of such disapproval to both the prospective
Customer and Changepoint. Escrow Agent shall not withhold its approval of a
prospective Customer pursuant to the Letter Agreement unless Escrow Agent
determines, after acting reasonably and after consultation of the prospective
Customer, that prospective Customer does not have sufficient resources to meet
its obligations under section 11 of this agreement.

<PAGE>
                                      -8-

17.               ASSIGNMENT

                  Except as otherwise provided herein, no party may assign this
agreement without the prior written consent of the other parties. Changepoint
may assign this agreement in connection with the sale of all or substantially
all of its business or the merger, amalgamation, or other corporate
reorganization of Changepoint provided that Escrow Agent is notified thereof and
the assignee hereof agrees to perform and assume the obligations of Changepoint
hereunder.

18.               SURVIVAL

                  It is agreed that the provisions of sections 10, 11, 12 and 13
shall remain in force and effect after the termination hereof until such time as
the parties may mutually agree to the release of the obligations contained
therein.

19.               SEVERABILITY

                  If any term, provision, covenant or condition of this
agreement is held by a court of competent jurisdiction to be invalid or
unenforceable, the remainder of the provisions shall remain in full force and
effect and shall not be affected, impaired or invalidated thereby.

20.               WAIVER

                  Except as otherwise provided herein, no term or provision
hereof shall be deemed waived and no breach excused unless such waiver or
consent shall be in writing and signed by the party claimed to have waived or
consented. Any consent by any party to, or waiver of, a breach by the other,
whether expressed or implied, shall not constitute a consent to, waiver of, or
excuse for any other different or subsequent breach.

21.               NOTICE

                  Any notice, request, demand, consent or other communication
provided or permitted hereunder shall be in writing and given by personal
delivery, transmitted by facsimile or sent by special delivery mail, postage
prepaid, addressed to the party for which it is intended at its address as set
out above or as may be designated by notice pursuant hereto addressed to the
President in the case of Changepoint, to the President (or other similar
employee, officer or director of Customer designated by the Customer and
disclosed to Changepoint and Escrow Agent in the case of the Customer), and to
the employee, officer or director of Montreal Trust Company of Canada referred
to in the Letter Agreement in the case of Escrow Agent. Any party may change its
address for purposes of transmittal or receipt of any such communication by
giving ten (10) days' prior written notice of such change to the other parties
in the manner prescribed above. Any notice so given shall be deemed to have been
received on the date on which it was delivered or transmitted by facsimile or if
mailed, on the third day following the mailing thereof.

<PAGE>
                                      -9-

22.               GOVERNING LAW

                  This agreement shall be governed by, subject to and
interpreted in accordance with the laws in force in the Province of Ontario.

23.               ENTIRE AGREEMENT

                  This agreement including the attached schedules contains the
entire agreement between the parties with respect to the subject matter thereof
as of its date and supersedes all other prior agreements, negotiations, written
or oral, relating to its subject matter.

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

CHANGEPOINT CORPORATION             MONTREAL TRUST COMPANY
                                    OF CANADA

By: ___________________________     By: _______________________________

Name: _________________________     Name: _____________________________

Title: ________________________     Title: ____________________________

                                    By: _______________________________

                                    Name: _____________________________

                                    Title: ____________________________

<PAGE>

                                   SCHEDULE A

Annual Fee CDN $500.00

<PAGE>

                                   SCHEDULE B

                    [TO BE PLACED ON CHANGEPOINT LETTERHEAD]

(Date)

Softrax Corporation
45 Shawmut Road
Canton, Massachusetts
02021
U.S.A.

Dear Sirs:

         RE: ESCROW OF SOURCE CODE FOR CHANGEPOINT CORPORATION (THE -SOFTWARE-)

                  In response to your request for the escrow of the source code
to the Software, we wish to inform you that Changepoint has established a Master
Source Code Escrow Agreement (the "Escrow Agreement") which is generally
available to customers of Changepoint and affiliates of Changepoint.

                  Attached to this letter (the "Letter Agreement") is a copy of
the Escrow Agreement for your files. Please sign, date and return a copy of the
Letter Agreement both to my attention and to the attention of Tina Vitale at
Montreal Trust Company of Canada.

                  Prior to deposit of the escrowed materials with the Escrow
Agent, you may request verification that Changepoint's source code of the
Software is executable on the appropriate computer, is capable of compiling the
object code of the Software licensed to you and that when so compiled performs
consistent with the latest version of the Software delivered to you by
Changepoint pursuant to the Licence Agreement to which we are both parties (the
"Conditions"). Should you wish such verification, you must send written notice
of such a request to Changepoint specifying:

         (a)      the date and time (on normal business days and during normal
                  business hours) when you wish the verification to be
                  conducted; and

         (b)      whether you prefer the verification to take place at your or
                  Changepoint's premises.

At the date, time and location specified in the notice, or (if either party is
unable to attend at the specified date and time) at such other time as we may
both agree, Changepoint will perform such series of tasks and verification
procedures as you may require to enable you to determine that the source code
satisfies the Conditions. Changepoint will ensure that the source code is erased
from any computer at your premises and you agree to permit Changepoint to
perform such tasks and procedures necessary to confirm that the source code has
been fully removed. Upon completion of the verification, you may designate a
person to accompany Changepoint to deliver the escrowed materials to the Escrow
Agent. If during the verification the escrowed materials do not

<PAGE>
                                      -2-

satisfy the Conditions, Changepoint will take all necessary measures to
ensure that the escrowed materials are updated with new or corrected
materials so that the source code does satisfy the Conditions within thirty
(30) days after the conclusion of the initial verification. You will pay any
costs or expenses on a time and materials basis incurred in connection with
any verification of the escrowed materials.

                  Changepoint and you agree that upon receipt by you of any of
the escrowed materials you will have a personal, non-exclusive, non-transferable
and non-assignable license to use them solely at 45 Shawmut Road, Canton,
Massachusetts, 02021, U.S.A., on a single, non-networked, micro-computer or
workstation solely for the purposes set out in, and subject to the terms and
conditions of, section 13(a) of the Escrow Agreement. Changepoint will have the
right to terminate the license conferred by this paragraph and to require you to
return any escrowed materials delivered to you in the event you breach the terms
of this paragraph or use the escrowed materials in a manner not authorized in
this paragraph.

                  Once Escrow Agent receives a signed copy of this Letter
Agreement and approves of you as a Customer by countersigning the Letter
Agreement and returning it to both you and Changepoint, you will then become a
party to the Escrow Agreement and Escrow Agent shall add your company's name to
the list of escrow customers. Changepoint will send a copy of the Software in
your name to Montreal Trust Company of Canada or will designate a copy sent to
be retained in your name for safekeeping as described in the Escrow Agreement.
In the event that Escrow Agent disapproves of you as a Customer, notice will be
provided to you and Changepoint in accordance with section 16 of the Escrow
Agreement.

                  This Letter Agreement shall become effective on the date it is
signed by both yourself and Escrow Agent and thereafter returned to both you and
Changepoint.

                                     Yours truly,

                                     Changepoint Corporation

Agreed to by:

SOFTRAX CORPORATION
Name of Customer

______________________________
Signature

______________________________
Print Name

______________________________

<PAGE>
                                      -3-

Title

45 Shawmut Road
Canton, Massachusetts
02021
U.S.A.

MONTREAL TRUST COMPANY OF CANADA

By: ___________________________________

Name: _________________________________

Title: ________________________________

<PAGE>

                                   SCHEDULE G

                               CHANGEPOINT LICENSE

                              CHANGEPOINT SOFTWARE

                  LICENSE AND MAINTENANCE AGREEMENT (U.S.A. SS)

   Between:                                      and:

   CHANGEPOINT INC.
   1595 Sixteenth Avenue
   Suite 700
   Richmond Hill, Ontario
   Canada
   L4B 3N9

(hereinafter referred to as "Changepoint")       (hereinafter referred to as
                                                 "Customer")

Contract No.  _______________

This Agreement sets out the terms pursuant to which Customer may use the
Licensed Materials (as that term is hereinafter defined). This Agreement also
sets out the terms pursuant to which Changepoint will provide Implementation
Services and Maintenance Services to Customer.

The "CHANGEPOINT Software License and Maintenance Agreement - Terms and
Conditions" on the following pages of this document and the attached Appendix A
form an integral part of this Agreement. These documents constitute the entire
agreement between the parties hereto with respect to the subject matter hereof
and cancels and supersedes any prior understandings and agreements between the
parties hereto with respect thereto. There are no provisions, representations,
undertakings, agreements, or collateral agreements between the parties other
than as set out herein in this Agreement.

The parties by their authorized representatives and intending to be legally
bound have entered into this Agreement as of the ___ day of _____, 1999 (the
"Effective Date").

CHANGEPOINT INC.

Signature _________________________     Signature _________________________

Name ______________________________     Name ______________________________

Title _____________________________     Title _____________________________

<PAGE>
                                      -5-

                              CHANGEPOINT SOFTWARE
                       LICENSE AND MAINTENANCE AGREEMENT -
                              TERMS AND CONDITIONS

                           ARTICLE 1 - INTERPRETATION

1.1      DEFINITIONS

         In this Agreement and in Appendix A the following terms shall have the
respective meanings ascribed to them as follows:

         "AFFILIATE" means with respect to any person, any other person directly
         or indirectly controlling, controlled by, or under common control of
         such person. "Control" as used here means the legal, beneficial or
         equitable ownership, directly or indirectly, of more than 50% of the
         aggregate of all voting interests in such entity.

         "BUSINESS DAYS" means Monday through Friday excluding any day which is
         a nationally observed holiday in both the United States of America and
         Canada.

         "BUSINESS HOURS" means 8:00 a.m. - 7:00 p.m. Eastern Time on Business
         Days.

         "CLIENT ACCESS LICENSE" means a Software License which authorizes
         Customer to install a Component of the Licensed Software on a single
         client device (e.g. - computer workstation).

         "COMPONENTS" mean the components of the CHANGEPOINT Software referred
         to in Appendix A.

         "CONFIDENTIAL INFORMATION" means (i) all information of either party or
         its affiliates or of third persons to whom a party owes a duty of
         confidence that is marked confidential, restricted or proprietary or
         that may reasonably be considered as confidential from its nature or
         from the circumstances surrounding its disclosure; and (ii) the
         Licensed Materials.

         "DOCUMENTATION" means in relation to the Licensed Software, the user
         documentation made generally available by Changepoint to customers
         which have been granted a license from Changepoint to use the Licensed
         Software.

         "INSTALLATION FEES"  has the meaning given to it in Section 4.2.

         "INSTALLATION SERVICES" has the meaning given to it in Section 3.2.

         "INTELLECTUAL PROPERTY RIGHTS" includes all worldwide intellectual and
         industrial property rights including all rights in each country to
         copyrights, trademarks, service marks, patents, inventions, industrial
         designs, trade secrets, trade dress and all other proprietary rights.

         "LICENSE" means Customer's license to use the Licensed Materials
         described in Article 2 and in Appendix A.

         "LICENSE FEES" means the license fees to be paid by Customer to
         Changepoint which are described in Section 4.1.

         "LICENSED MATERIALS" means the Licensed Software and Documentation and
         includes Maintenance Releases and Enable Codes which Changepoint may
         from time to time provide to Customer hereunder.

         "LICENSED SOFTWARE" means the Components of the CHANGEPOINT Software in
         object code format licensed to Customer hereunder and described in
         Appendix A and such additional Components of the CHANGEPOINT Software
         which Customer and Changepoint hereinafter agree shall be added to
         Appendix A.

         "MAINTENANCE" has the meaning given to it in Section 4.2.

         "MAINTENANCE FEES" has the meaning given to it in Section 4.2.

<PAGE>
                                      -6-

         "MAINTENANCE RELEASE" means new versions and releases of the Licensed
         Software which Changepoint makes generally available to its customers
         who have contracted with it to receive Maintenance Service for the
         Licensed Software.

         "MAINTENANCE SERVICES" means the services described in Section 7.2.

         "SOFTWARE LICENSES" means the utilization licenses and associated
         restrictions with respect to the Licensed Software granted to Customer
         hereunder which are set forth in Appendix A.

         "WARRANTY PERIOD" means the period as set out in Appendix A.

         "WARRANTY SUPPORT" means the warranty support set forth in Section
         6.1(a).

                               ARTICLE 2 - LICENSE

2.1      LICENSE

(a)      Subject to the provisions of this Agreement including the provisions of
Article 8, Changepoint hereby grants to Customer and Customer hereby accepts
from Changepoint the perpetual, personal, non-transferable and non-exclusive
Software Licenses to use the Licensed Software for Customer's internal business
purposes. Customer may also make a reasonable number of back-up copies, but not
to exceed two (2) copies, of the Licensed Software for use as part of Customer's
disaster recovery plan.

(b)      The Licensed Materials may be used only as set out in this Agreement
and Customer agrees not to make any copies (whether in electronic or any other
form) or use thereof other than as expressly permitted herein or by Changepoint
in writing in advance, even if it is technically feasible to do so. Without
limiting the generality of the foregoing, Customer agrees to use the Licensed
Software only to the extent authorized by the Software Licenses. (c) Customer's
License to use the Licensed Materials shall commence on the Effective Date.

2.2      DOCUMENTATION

         The Documentation may be used by Customer at Customer sites for the
purpose of assisting Customer in using the Licensed Software for the internal
business purposes of Customer. Changepoint agrees to deliver one copy of the
Documentation to Customer in either printed or electronic form. Documentation
provided in machine readable form may be printed and used solely for the
internal business purposes of Customer. No other reproduction or use of the
Documentation is permitted.

2.3      THIRD PARTY USERS

         For the purpose of operating Customer's business, the parties intend
that certain unrelated third parties with whom Customer has a business
relationship such as a supplier or customer and the employees of such third
person (hereunder "Business Third Parties"), will have limited right to use
certain Components of the Licensed Software solely for the purpose of providing
services to Customer. All such persons must execute an agreement in writing with
Customer to maintain the Confidential Information in confidence and to use the
Licensed Materials only as permitted. Customer agrees to strictly enforce the
provisions of such non-disclosure agreements set forth in this Section 2.3 and
all other provisions of this Agreement as applicable to any and all uses of the
Licensed Materials.

                      ARTICLE 3 - DELIVERY AND INSTALLATION

3.1      DELIVERY OF LICENSED MATERIALS

         Changepoint agrees to deliver to Customer one (1) copy of the most
current release and version of the Licensed Materials. The Documentation will be
provided solely in the English language.

3.2      INSTALLATION SERVICES

         Changepoint agrees to provide the installation services (the
"Installation Services") described in Appendix A.

3.3      ENABLE CODES

         To enable Customer to install the Licensed Software, Changepoint will
provide Customer with information or data which are intended to enable the
Licensed Software to be used ( the "Enable Codes"). The Enable Codes are
designed to enable Customer to use the Licensed Software in accordance with the
number of Software Licenses acquired hereunder. Customer acknowledges and agrees
that additional Enable Codes will need to be obtained from Changepoint if
Customer acquires one or more additional Software Licenses from Changepoint.
Customer agrees not to, and shall cause all users not to, modify, adapt or
create derivative works of any Enable Codes provided, develop or have developed
any Enable Codes, or use any Enable Codes other than those provided by
Changepoint.

<PAGE>
                                      -7-

                       ARTICLE 4 - PRICE AND PAYMENT TERMS

4.1      LICENSE FEES

         Customer shall pay to Changepoint the license fees described in
Appendix A (the "License Fees"). The License Fees shall be due and paid as
provided for in Appendix A.

4.2      MAINTENANCE AND INSTALLATION FEES

         Customer agrees to pay to Changepoint the Maintenance Fees and the
Installation Fees set out in Appendix A.

4.3      TAXES AND INTEREST

(a)      Customer shall pay (and Changepoint shall have no liability for), any
taxes, tariffs, duties and other charges or assessments imposed or levied by any
government or governmental agency in connection with this Agreement, including,
without limitation, any federal, provincial, state and local sales, use, goods
and services, value-added and personal property taxes on any payments due
Changepoint in connection with the Licensed Materials and/or Maintenance
Services and other services provided hereunder, excluding only income taxes
payable by Changepoint.

(b)     All overdue payments shall bear interest at a rate
of 12% per annum on the amounts outstanding from the time such amounts become
due until payment is received by Changepoint.

           ARTICLE 5 - PROPRIETARY RIGHTS AND CONFIDENTIAL INFORMATION

5.1      TITLE TO LICENSED MATERIALS

         Customer acknowledges and agrees that Changepoint or licensors of
Changepoint shall retain all right, title and interest in and to the Licensed
Materials and all copies thereof, including, without limitation, the
Intellectual Property Rights therein, and that nothing herein transfers or
conveys to Customer any ownership right, title or interest in or to the Licensed
Materials or to any copy thereof or any license right with respect to same not
expressly granted herein, including, without limitation, with respect to the
Intellectual Property Rights therein.

5.2      CONFIDENTIAL INFORMATION

(a)      Each party agrees to maintain the confidentiality of the Confidential
Information of the other party and to use same only as expressly authorized
herein. Each party shall safeguard and maintain the other party's Confidential
Information in strict confidence and shall not disclose, provide, or make the
Confidential Information or any part thereof available in any form or medium to
any person except to such party's employees, and to contractors and consultants
of such party who have executed an agreement in writing to protect such
Confidential Information and who have a need to access such Confidential
Information hereunder.

(b)      The provisions of Section 5.2(a) shall not apply to any information
which: (i) was at the time of disclosure to a party, in the public domain, (ii)
after disclosure to a party becomes part of the public domain through no fault
of the receiving party, (iii) was in the possession of the receiving party prior
to the time of disclosure to it without any obligation of confidence or any
breach of confidence, (iv) was received after disclosure to a party from a third
party who had a lawful right to disclose such information to it, (v) was
independently developed by a party without reference to the confidential
information of the other party or (vi) was ordered to be disclosed by a court,
administrative agency, or other governmental body with jurisdiction over the
parties hereto, provided that the ordered party will first have provided the
disclosing party with prompt written notice of such required disclosure and will
take reasonable steps to allow the disclosing party to seek a protective order
with respect to the confidentiality of the information required to be disclosed.
Further, the ordered party will promptly cooperate with and assist the
disclosing party in connection with obtaining such protective order.

5.3      PROTECTION OF PROPRIETARY RIGHTS

(a)      Customer shall not remove any proprietary, copyright, patent, trade
mark, design right, trade secret, or any other proprietary rights legends from
the Licensed Materials.

(b)      Customer agrees not to disassemble, decompile, translate or convert
into human readable form or into another computer language, reconstruct or
decrypt, or reverse engineer, all or any part of the Licensed Materials in
accordance with law. Further, Customer shall not write or develop any derivative
works or computer programs based upon any part of the Licensed Materials.

5.4      EXPORT OF SOFTWARE

         Customer will not export or re-export the Licensed Materials or any
copies thereof, either directly or indirectly, outside of the country in which
such materials are delivered to Customer except in compliance with all
applicable laws, ordinances and regulations. Customer shall have the exclusive
obligation to ensure that any export of the Licensed Materials is in compliance
with all applicable export laws and the laws of any foreign country.

<PAGE>
                                      -8-

                      ARTICLE 6 - WARRANTIES OF CHANGEPOINT

6.1      WARRANTY AND DISCLAIMERS

(a)      Changepoint warrants that during the Warranty Period: (i) the Licensed
Software will conform substantially to the description thereof in the
Documentation, and (ii) the media upon which the Licensed Software and
Documentation are provided will be free from defects in materials and
workmanship.

(b)      Changepoint warrants that the Licensed Software shall be able to
accurately process date data (including but not limited to, calculating,
comparing, and sequencing) from, into and between the 20th and 21st century (the
"Y2K Warranty"). However, such warranty does not apply to any failures to
process date data that result from any software other than the Licensed Software
or hardware or which relate to accepting data from any system not supplied by
Changepoint. For greater clarity the Y2K Warranty shall only apply if Customer
uses the Software in accordance with the Documentation.

(c)      Customer's exclusive remedy and Changepoint's sole obligation with
respect to the breach of any of the foregoing warranties is for Changepoint to
(i) make commercially reasonable efforts to correct or provide Customer with a
workaround for the failure of the Licensed Software to conform substantially to
the description thereof in the Documentation or to comply with the Y2K Warranty,
as the case may be, or, at Changepoint's sole option, provide Customer with a
refund for the License Fees paid with respect to such Licensed Software, and
(ii) provide Customer with replacement media in the event there are defects in
materials or workmanship in the media upon which the Licensed Software and
Documentation are provided if the media is returned to Changepoint within the
Warranty Period.

(d)      OTHER THAN THE WARRANTIES EXPRESSLY SET FORTH IN SECTION 6.1(A) AND
6.1(B), CHANGEPOINT EXPRESSLY DISCLAIMS ANY AND ALL REPRESENTATIONS, WARRANTIES
AND CONDITIONS OF ANY KIND OR NATURE, EXPRESS OR IMPLIED, INCLUDING WITHOUT
LIMITATION, REPRESENTATIONS, WARRANTIES AND CONDITIONS OF QUALITY, PERFORMANCE,
RESULTS, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND THOSE
ARISING BY STATUTE OR OTHERWISE IN LAW OR FROM A COURSE OF DEALING OR USE OF
TRADE. CHANGEPOINT DOES NOT REPRESENT OR WARRANT THAT (I) THE LICENSED MATERIALS
WILL MEET CUSTOMER'S BUSINESS REQUIREMENTS, (II) THE OPERATION OF THE LICENSED
SOFTWARE WILL BE ERROR-FREE OR UNINTERRUPTED OR (III) THAT ALL PROGRAMMING
ERRORS CAN BE CORRECTED.

(e)      Customer is responsible for taking precautionary measures to prevent
the loss or destruction of customer data and databases such as, for example,
making regular backups and verifying the results obtained from using the
Licensed Materials, and Changepoint shall have no obligations or liability
whatsoever with respect to any such loss or destruction.

6.2      LIMIT OF LIABILITY

(a)      FOR ANY BREACH OR DEFAULT BY CHANGEPOINT OF ANY OF THE PROVISIONS OF
THIS AGREEMENT, OR WITH RESPECT TO ANY CLAIM ARISING HEREFROM OR RELATED HERETO,
EXCEPT FOR ANY CLAIM FOR BREACH OF SECTION 5.2 (UNAUTHORIZED DISCLOSURE OF
CONFIDENTIAL INFORMATION), OR FOR BREACH OF SECTION 6.4(A) (INTELLECTUAL
PROPERTY INDEMNITY), CHANGEPOINT'S ENTIRE LIABILITY, REGARDLESS OF THE FORM OF
ACTION, WHETHER BASED ON CONTRACT OR TORT, INCLUDING NEGLIGENCE, SHALL IN NO
EVENT EXCEED (I) THE AMOUNT PAID BY CUSTOMER HEREUNDER FOR THE LICENSED
MATERIALS, (II) THE AMOUNT PAID BY CUSTOMER FOR THE MAINTENANCE SERVICE THAT IS
THE SUBJECT OF THE CLAIM IF THE CLAIM RELATES TO A BREACH OR DEFAULT BY
CHANGEPOINT OF THE PROVISIONS OF ARTICLE 7, (III) THE AMOUNT PAID BY CUSTOMER
FOR THE INSTALLATION SERVICE THAT IS THE SUBJECT OF THE CLAIM IF THE CLAIM
RELATES TO A BREACH OR DEFAULT BY CHANGEPOINT OF THE PROVISIONS OF THIS
AGREEMENT PERTAINING TO INSTALLATION SERVICE, OR (IV) IN THE AGGREGATE WITH
RESPECT TO ALL CLAIMS UNDER OR RELATED TO THIS AGREEMENT, THE AMOUNT PAID BY
CUSTOMER UNDER THIS AGREEMENT.

(b)      IN NO EVENT WILL CHANGEPOINT BE LIABLE FOR SPECIAL, INCIDENTAL,
INDIRECT, OR CONSEQUENTIAL LOSS OR DAMAGE, LOST BUSINESS REVENUE, LOSS OF
PROFITS, LOSS OF DATA, FAILURE TO REALIZE EXPECTED PROFITS OR SAVINGS OR ANY
CLAIM AGAINST CUSTOMER BY ANY OTHER PERSON (EVEN IF CHANGEPOINT HAS BEEN ADVISED
OF THE POSSIBILITY OF ANY SUCH LOSS OR DAMAGE).

(c)      CHANGEPOINT SHALL BE LIABLE TO CUSTOMER AS EXPRESSLY PROVIDED IN THIS
AGREEMENT BUT SHALL HAVE NO OTHER OBLIGATION, DUTY, OR LIABILITY WHATSOEVER IN
CONTRACT, TORT OR OTHERWISE TO CUSTOMER INCLUDING ANY LIABILITY FOR NEGLIGENCE.
THE LIMITATIONS, EXCLUSIONS AND DISCLAIMERS IN THIS AGREEMENT SHALL APPLY
IRRESPECTIVE OF THE NATURE OF THE CAUSE OF ACTION, DEMAND, OR ACTION BY
CUSTOMER, INCLUDING BUT NOT LIMITED TO BREACH OF CONTRACT, NEGLIGENCE, TORT, OR
ANY OTHER LEGAL THEORY AND SHALL

<PAGE>
                                      -9-

SURVIVE A FUNDAMENTAL BREACH OR BREACHES OR THE FAILURE OF THE ESSENTIAL
PURPOSE OF THIS AGREEMENT OR OF ANY REMEDY CONTAINED HEREIN.

6.3      LIMITATION PERIOD

         Neither party may bring an action, regardless of form, arising out of
or related to this Agreement (other than to recover License Fees or Maintenance
Fees) more than two (2) years after the cause of action has arisen or the date
of discovery of such cause, whichever is later.

6.4      INTELLECTUAL PROPERTY CLAIMS

(a)      Changepoint will defend or (at its option) settle, any claim or action
brought against Customer to the extent that it is based on a claim that the
Licensed Materials infringe any copyright, patent, trade secret or trademark
enforceable in the United States of America of any third person (an
"Infringement Claim") and will indemnify Customer against damages and costs
awarded against Customer by a court of competent jurisdiction by final order
from which no appeal is taken or the time for appealing has expired, provided
that Customer notifies Changepoint promptly in writing of same, and provided
further that Customer permits Changepoint to control the litigation and to
defend, compromise or settle the claim and provides all available information,
assistance and authority to enable Changepoint to do so. Changepoint shall not
be liable to reimburse Customer for any compromise or settlement made by
Customer without Changepoint's prior written consent, or for any legal fees or
expenses incurred by Customer in connection with such claim. Customer shall have
no authority to settle any claim on behalf of Changepoint.

(b)      Should the Licensed Materials or any of them become, or in
Changepoint's sole opinion be likely to become, the subject of a claim of
infringement, misappropriation, or violation of an Intellectual Property Right
(an "Infringement Claim") Changepoint may (i) procure for Customer, at no cost
to Customer the right to continue to use the Licensed Materials which are the
subject of the Infringement Claim (ii) replace or modify the Licensed Materials
or part thereof subject to such Infringement Claim with software or
documentation of at least comparable functionality, at no cost to Customer, or
(iii) if neither of the forgoing alternatives are reasonably practical in
Changepoint's sole judgement, remove the component that is the subject of the
Infringement Claim or any or all other parts of the Licensed Materials and
refund to Customer the License Fees paid by Customer for the part removed as
depreciated on a straight line five (5) year basis from the date of delivery of
the part to Customer.

(c)      Notwithstanding the foregoing, Changepoint shall have
no liability for any claim that is based on (i) the use of other than the latest
release and version of the Licensed Materials, if such infringement could have
been avoided by the use of the latest version and release and such version or
release had been made available to Customer, (ii) the use or combination of the
Licensed Materials with software, hardware or any other product not provided by
Changepoint, or (iii) any modification to the Licensed Materials or use of the
Licensed Materials other than as expressly authorized herein or as expressly
described or recommended in writing by Changepoint.

(d)      This Section 6.4 states the entire liability of Changepoint and
Customer's sole remedies with respect to any Infringement Claim.

            ARTICLE 7 - MAINTENANCE AND ENHANCED MAINTENANCE SERVICE

7.1      TERM

(a)      Following the expiry of the Warranty Period, Changepoint shall provide
Customer with Maintenance Services during successive annual maintenance terms
(each such term is referred to here as a "Maintenance Term") provided that
Customer pays to Changepoint the Maintenance Fees for each Maintenance Term as
and when due hereunder.

(b)      Customer or Changepoint may terminate Maintenance Services at the end
of a Maintenance Term by providing the other with no less than thirty (30) days
prior written notice before the end of the Maintenance Term.

7.2      MAINTENANCE SERVICE

(a)      During the Warranty Period and each Maintenance Term, Changepoint will
provide Maintenance Releases to Customer. Changepoint will also during Business
Hours provide telephone assistance to Customer with respect to initial error
diagnosis and support regarding the functionality of the Licensed Software.
Maintenance Service shall be provided by Changepoint to up to three (3) customer
support staff who are trained and knowledgeable in the use of the Licensed
Materials and who have been designated from time to time by Customer to request
and receive such service.

(b)      As part of Maintenance Service and Warranty Support, Customer will have
access to Changepoint's CHANGEPOINT Knowledge Base technical database which
contains technical information concerning the use of the Licensed Software.
Customer acknowledges that information in this database may not have been
verified by Changepoint. Accordingly, Changepoint shall have no responsibility
hereunder with respect to any inaccurate or incomplete information contained in
the CHANGEPOINT Knowledge Base or the use thereof by Customer.

<PAGE>
                                      -10-

7.3      SERVICES NOT INCLUDED

(a)      Maintenance Services and Warranty Support does not include or apply to
any of the following: (i) making modifications to the Licensed Materials for
Customer, (ii) user training, (iii) consultation for new programs or equipment,
(iv) hardware problems including any malfunction of hardware, or to any external
causes affecting the Licensed Materials including the media upon which the
Licensed Materials are provided such as accident, disaster, electrostatic
discharge, fire, flood, lightning, water or wind, or (v) correction of errors
attributable to software other than the Licensed Software. Changepoint may
charge Customer at its then applicable list price for providing such services.
Changepoint may also charge Customer at its then applicable list price for
analysis or removal of errors which are caused by improper operation or handling
of the Licensed Materials or caused by circumstances unrelated to Changepoint.
Payment for these services shall be made by Customer within 30 days of invoicing
by Changepoint.

(b)      The obligation to provide Maintenance Services is subject to the
following: (i) Maintenance Services are only provided for the Licensed Software
provided under this Agreement, (ii) if Customer ceases to pay for and receive
Maintenance Services and later requests Maintenance Services, Customer will be
required to pay to Changepoint the Maintenance Fees not paid during the period
in which the service was discontinued, and (iii) Maintenance Services need not
be provided by Changepoint if Customer is not using the most current or an
immediately previous release of the Licensed Materials, or if Customer has made
any modifications to the Licensed Materials and (iv) Changepoint has no
obligation to provide Customer with any Maintenance Services unless Customer has
paid for the Maintenance Services in advance as required hereunder.

                        ARTICLE 8 - TERM AND TERMINATION

8.1      TERM

         This Agreement shall be effective on the Effective Date and shall
terminate in accordance with this Article.

8.2      TERMINATION

         Either party may by notice in writing terminate this Agreement if (i)
the other party breaches or fails to observe or perform any of its obligations
set out in this Agreement, including failure to pay any License Fees due and
owing, and fails to cure such breach or failure within thirty (30) days after
written notice; or (ii) either party becomes insolvent, or makes an assignment
for the general benefit of creditors, or any proceedings are commenced by or
against either party under any bankruptcy or insolvency laws or if proceedings
for the appointment of a trustee, custodian, receiver, or receiver manager for
either party are commenced, or if either party ceases or threatens to cease to
carry on business.

8.3      RETURNING LICENSED MATERIALS

         Within fifteen (15) days after termination or expiration of this
Agreement for any reason, Customer shall return to Changepoint the original and
all copies of the Licensed Materials in the possession or control of Customer
(including any copies in the possession or control of Business Third Parties or
other Users) and shall certify to Changepoint in writing that all such copies
have been so returned and/or deleted from all computer records. Customer shall
also cease to use the Licensed Materials and ensure that all Business Third
Parties to whom Customer has given access to the Licensed Software also cease to
use the Licensed Materials.

8.4      SURVIVAL

         The parties hereto agree that the provisions of Sections 3.3 (the last
sentence), 4.3, 6.2, 6.3 and 8.3, 9.9 and 9.10 and Article 5 shall survive and
remain in full force and effect after the termination of the License or this
Agreement for any reason.

                               ARTICLE 9 - GENERAL

9.1      HEADINGS

         The division of this Agreement into Articles and Sections and the
insertion of headings are for convenience of reference only and shall not affect
the construction or interpretation of the Agreement, as the case may be. The
terms "this Agreement", "hereof", "hereunder" and similar expressions in this
Agreement refer to this Agreement and not to any particular Article, Section or
other portion and include any Agreement supplemental hereto. Unless something in
the subject matter or context is inconsistent therewith, references herein to
Articles and Sections are to Articles and Sections of this Agreement.

9.2      EXTENDED MEANINGS

         In this Agreement words importing the singular number only shall
include the plural and VICE VERSA, and words importing persons shall include
individuals, partnerships, associations, trusts, unincorporated organizations
and corporations. The terms "provision" and "provisions" in this Agreement refer
to terms, conditions, provisions, covenants, obligations, undertakings,
warranties and representations in this Agreement.

<PAGE>
                                      -11-

9.3      NOTICES

         For the purposes of this Agreement, and for all notices and
correspondence hereunder, the addresses of the respective parties have been set
out at the beginning of this Agreement and no change of address shall be binding
upon the other party hereto until written notice thereof is received by such
party at the address shown herein. All notices shall be effective upon receipt
if delivered personally or sent by facsimile and seven (7) days after mailing if
sent by registered mail.

9.4      CURRENCY

         All references to currency are deemed to mean lawful money of the
United States of America unless expressed to be in some other currency.

9.5      FORCE MAJEURE

         If the performance of this Agreement, or any obligation thereunder
except the making of payments hereunder is prevented, restricted, or interfered
with by reason of: fire, flood, earthquake, explosion or other casualty or
accident or act of God; strikes or labour disputes; inability to procure or
obtain delivery of parts, supplies, power, equipment or software from suppliers,
war or other violence; any law, order, regulation, ordinance, demand or
requirement of any governmental authority; or any other act or condition
whatsoever beyond the reasonable control of the affected party, the party so
affected, upon giving prompt notice to the other party, shall be excused from
such performance to the extent of such prevention, restriction or interference;
provided, however, that the party so affected shall take all reasonable steps to
avoid or remove such cause of non-performance and shall resume performance
hereunder with dispatch whenever such causes are removed.

9.6      SEVERABILITY

         The parties agree that it is the intention of each party not to violate
any public policy, statutory or common law or government regulation. To the
extent that any provision, portion or extent of this Agreement is deemed to be
invalid, illegal or unenforceable, such provision, portion or extent shall be
severed and deleted herefrom or limited so as to give effect to the intent of
the parties insofar as possible and the parties will use their best efforts to
substitute a new provision of like economic intent and effect for the illegal,
invalid or unenforceable provisions and each remaining provision so remaining
shall be enforced.

9.7      ASSIGNMENT

         Customer may assign this Agreement without Changepoint's consent (i) to
an Affiliate of Customer; or (ii) to a purchaser of all or substantially all of
Customer's assets. Otherwise, neither this Agreement nor any rights granted
hereby may be transferred or assigned by Customer to any other person without
Changepoint's prior written consent, (such consent shall not be unreasonably
withheld), and any such attempted assignment shall be null and void. In the
event Customer assigns this Agreement to a third person as permitted by this
Section 9.7 or with consent from Changepoint, Customer shall cease all use of
the Licensed Materials and destroy or cause to be destroyed all copies thereof
within its possession or control and the third party assignee shall agree in
writing with Changepoint to assume all of Customer's obligations hereunder.
Customer shall also certify in writing to Changepoint that the foregoing has
been accomplished. This Agreement shall enure to the benefit of and be binding
upon any successor or assign of Changepoint or, any permitted successor or
assign of Customer. The parties agree that Changepoint may delegate to
affiliates of Changepoint and to agents, suppliers, contractors and resellers of
Changepoint any of the obligations herein imposed upon Changepoint and
Changepoint may disclose to any such persons any information required by them to
perform the duties so delegated to them, but such delegation shall not relieve
Changepoint of its performance obligations hereunder.

9.8      WAIVER

         No modification, addition to or waiver of any rights, obligations or
defaults shall be effective unless in writing and signed by the party against
whom the same is sought to be enforced. One or more waivers of any right,
obligation or default shall not be construed as a waiver of any subsequent
right, obligation or default. No delay or failure of either party in exercising
any right hereunder and no partial or single exercise thereof shall be deemed of
itself to constitute a waiver of such right or any other rights hereunder.

9.9      GOVERNING LAW

         This Agreement shall be governed by and construed in accordance with
the laws of the State of New York without reference to its conflict or choice of
law rules or principles. Customer hereby submits to the non-exclusive
jurisdiction of the courts of the State of New York for any legal action arising
out of this Agreement or the performance of the obligations hereunder or
thereunder. This Agreement shall be deemed to be made in the State of New York,
and Customer agrees not to commence any action, suit or proceeding against
Changepoint or any affiliate of Changepoint or any of their employees, officers
or directors in any jurisdiction other than the State of New York.

<PAGE>
                                      -12-

9.10     DISPUTE RESOLUTION AND ARBITRATION

         In the event that any dispute or disagreement between Customer and
Changepoint with respect to the interpretation of any provision of this
Agreement, the performance of Changepoint or Customer under this Agreement, or
any other matter that is in dispute between the parties related to this
Agreement, upon the written request of either party, the parties will meet for
the purpose of resolving such dispute. The parties agree to discuss the problem
and negotiate in good faith without the necessity of any formal proceedings
related thereto. No formal proceedings for the resolution of such dispute may be
commenced until either party concludes in good faith that the applicable
resolution through continued negotiation of the matter in issue does not appear
likely. The parties further agree that all disputes hereunder which cannot be
settled in the manner hereinbefore described (any such dispute is referred to
here as a "Dispute") will be settled by final and binding arbitration conducted
in accordance with the American Arbitration Association (or any successor
thereto), as amended from time to time. Judgment upon the award rendered in any
such arbitration may be entered in any court having jurisdiction thereof, or
application may be made to such court for a judicial acceptance of the award and
an enforcement, as the law of such jurisdiction may require or allow.

         Notwithstanding the foregoing, disputes with respect to any
Infringement Claim including without limitation any claim based on the
infringement, violation or misappropriation of any Intellectual Property Right
shall not be settled by arbitration, without the prior written consent of the
parties.

         The arbitration panel will be composed of one person appointed by the
party requesting the arbitration (the "Applicant"), one person appointed by the
other party (the "Respondent") and a third person to act as chairperson, chosen
by the two arbitrators, or, if both parties agree, the arbitration panel will
consist of a sole arbitrator. No person may be appointed as an arbitrator unless
he or she is independent of the Applicant and Respondent, is skilled in the
subject matter of the Dispute and is not directly or indirectly carrying on or
involved in a business being carried on in competition with the business of the
parties. The decision of the arbitration panel shall be made by a majority vote
or by the sole arbitrator, as the case may be. In the event of the failure of
the arbitration panel to reach a majority decision, the decision of the
chairperson shall constitute the decision of the arbitration panel. The venue
for the arbitration shall be at the City of New York, New York unless otherwise
agreed to by the parties in writing.

<PAGE>

                            CONFIDENTIAL TREATMENT

APPENDIX A

The Components which are the subject of the License, the Software Licenses
granted to Customer and the fees payable to Changepoint hereunder are as
follows:

1.       LICENSED SOFTWARE

The Components of the CHANGEPOINT Software which are licensed to Customer
hereunder are the following:

CHANGEPOINT, SQL edition, version 5.2, for _____ (__) users, including the
following modules:

Service Delivery Management
Project and Resource Management
Customer Relationship Management
Support Management.
OLAP module, for five (5) users only

2.       SOFTWARE LICENSES

         The utilization rights of Customer are as follows:

Customer is granted ____ (__) Client Access Licenses. Each Client Access License
entitles Customer to receive one (1) Enable Code from Changepoint which will
enable Customer to have one (1) user use the Licensed Materials. Customer is
granted five (5) OLAP Licenses. Each OLAP License entitles Customer to receive
one (1) Enable Code from Changepoint which will enable Customer to have one (1)
user use the OLAP module. Customer may install Licensed Software on one or more
computer servers as it desires.

3.       LICENSE FEES

The License Fee is $____ less a discount of $____ to yield a net amount of
$_____.

This price is valid until ___________, 1999 after which time Changepoint
reserves the right to change the License Fee.

50% of the License Fee shall be due and payable to Changepoint upon signing of
this Agreement, and 50% of the License Fee shall be due and paid to within 30
days of invoicing by Changepoint.

4.       WARRANTY PERIOD

The Warranty Period for the Licensed Software shall mean the period commencing
on the Effective Date and ending ninety (90) days thereafter.

5.       MAINTENANCE FEES

Customer will pay Changepoint for each Maintenance Term an annual maintenance
fee (the "Annual Maintenance Fee"). The Annual Maintenance Fee is 18% of the
undiscounted License Fees due to Changepoint hereunder and is payable annually
in advance. The first Annual Maintenance Fee is due upon the expiration of the
Warranty Period and is $___. Subsequent Annual Maintenance Fees are due on the
anniversary of the date the first Annual Maintenance Fee is due. Additional
Maintenance Fees that result from the acquisition of additional Software
Licenses shall become due when the additional Software Licenses are given to
Customer and shall be prorated to the end of the Maintenance Term.

The Maintenance Fees may be increased annually by Changepoint by providing
Customer with notice of not less than thirty (30) days prior to the end of a
Maintenance Term. Changepoint agrees not to increase its Maintenance Fees
annually by more than six percent (6%) from the fees charged in the previous
Maintenance Term.

6.       INSTALLATION SERVICES TO BE PROVIDED BY CHANGEPOINT

Changepoint agrees to provide the following services ("Installation Services")
to Customer:

         Executive Expectations Review                ***
         Project Management                           ***
         Infrastructure Support                       ***
         Systems Configuration & Installation         ***
         Implementation Support                       ***

***The omitted material has been filed separately with the Securities and
   Exchange Commission pursuant to a request for confidential treatment.

<PAGE>
                                      -14-

                            CONFIDENTIAL TREATMENT

         Administrator Training              ***
         Train-the-Trainer Training          ***

Customer agrees to pay Changepoint for any Installation Services requested by
Customer and provided by Changepoint at the daily rates listed in 6(a) above.
Changepoint estimates that the fees for Installation Services will be $_____.
These daily rates are valid until __________, 1999 after which time Changepoint
reserves the right to change the daily rates.

Changepoint does not guarantee that all services will be provided for the
above-mentioned fees. The fees may be higher or lower depending on the actual
services requested by Customer.

Customer shall reimburse Changepoint for reasonable travel expenses, and
reasonable incidental expenses relating to Installation Service and Maintenance
Service at Changepoint's then current prices then in effect. Changepoint shall
invoice Customer for such fees and expenses on a monthly basis. Customer shall
not be liable for the aforesaid expenses unless Customer has given Changepoint
approval to incur them.

CHANGEPOINT INC.

Signature ________________________       Signature ________________________

Name _____________________________       Name _____________________________

Title ____________________________       Title ____________________________

***The omitted material has been filed separately with the Securities and
   Exchange Commission pursuant to a request for confidential treatment.

<PAGE>

                                   SCHEDULE H

                                     [LOGO]

                     SOFTRAX PRODUCT AND SERVICES AGREEMENT

EFFECTIVE DATE:

SOFTRAX CORPORATION, a Delaware corporation with offices located at 45 Shawmut
Road, Canton, Massachusetts 02021 ("SOFTRAX") offers to sell and deliver, and
COMPANY, a corporation with principal offices located at
_____________________________________________________________________
("Customer") hereby agrees to purchase those products and services identified
below, at the pricing set forth below in the Proposal and on the terms and
conditions set forth below and in Attachment 1 (SOFTRAX Standard Terms and
Conditions), Attachment 2 (Software License Terms), Attachment 3 (Services) and
Attachment 4 (Travel Guidelines) to the Proposal, together with such other
Attachments as the parties may agree to add from time to time (this agreement,
including the Proposal and Attachments, collectively, the "Agreement"). This
Agreement shall not be effective until executed by both parties.

                                    PROPOSAL

<TABLE>
<CAPTION>
------------------------------------------------------------------------------------------------------------------
PRODUCTS                                                                                    PRICING/
                                                                                            LICENSE
                                                                                            FEES
------------------------------------------------------------------------------------------------------------------
<S>                                                                                         <C>
[Enter here suites, modules and/or applications to be purchased AND INDICATE
PLATFORM OPERATING SYSTEM AND DATABASE ON WHICH THEY WILL BE RUNNING. Also
indicate number of full use Seats, Lite Seats (WebOps), Casual Seat and CPU
(WebOps) licenses purchased, and price per additional seats/CPUs and/or blocks
of seats/CPUs]

Payment terms:  50% of license fees on execution of Agreement;  balance on delivery of
Software.

------------------------------------------------------------------------------------------------------------------
SERVICES                                                                                    PRICING
------------------------------------------------------------------------------------------------------------------

Annual Support Services (20% of list price of Products purchased)                           $____________

[Enter here description of additional Services to be purchased. Clearly indicate            Indicate estimate
where pricing is an estimate only, as opposed to, for example a definite $X,000 per         Pricing in this
day for training. Where services are to be charged based on a daily or weekly rate,          Column as well.
so indicate. Reference a Statement of Work to be developed by the parties for the
Services following execution of the Agreement]
------------------------------------------------------------------------------------------------------------------
</TABLE>

<PAGE>
                                      -16-

<TABLE>
------------------------------------------------------------------------------------------------------------------
<S>                                     <C>
Service estimates are based on blended hourly rates. Services will be invoiced
at actual hourly rates of Softrax professional performing Service. Rate scale
for Softrax professionals are as follows:

Engagement Manager:                     $200/hour
Principal Consultant:                   $190/hour
System Architect:                       $190/hour
Senior Technical Consultant:            $175/hour
Senior Consultant:                      $175/hour
Technical Consultant:                   $160/hour
Consultant:                             $160/hour

Payment Terms: 50% of Service fees (including estimates) on execution Of
Agreement; balance for Support Services only on delivery of Software. Balance
for other Services invoiced monthly during period of Services following paydown
of original deposit.
------------------------------------------------------------------------------------------------------------------
</TABLE>

The parties further agree that any additional services and/or products which
may be purchased by Customer from time to time hereafter shall be governed by
the terms and conditions of this Agreement, unless other terms are agreed to
in writing by the parties for the specific additional services and/or
products purchased. The pricing set forth above for Products shall remain in
effect for an additional period of three months following the Effective Date.

IN WITNESS WHEREOF, the parties have caused this Agreement to be executed by
their duly authorized representatives effective as of the date first above
written.

CUSTOMER NAME                          SOFTRAX CORPORATION

By: ______________________________          By: ______________________________

Name: ____________________________          Name: ____________________________

Title: ___________________________          Title: ___________________________

<PAGE>
                                      -17-

               ATTACHMENT 1: SOFTRAX STANDARD TERMS AND CONDITIONS
            (applicable to all purchases of Products and/or Services)

I. DEFINITIONS

1.1 CONFIDENTIAL INFORMATION. The term "Confidential Information" shall refer to
any materials or information received from the other party and which have been
designated as confidential or proprietary on their face or in a separate writing
by the disclosing party, or which, under the circumstances surrounding
disclosure, ought to be recognized as the confidential or proprietary material
of the disclosing party. The terms of the Agreement shall be deemed Confidential
Information. For purposes of this Agreement, all internal business, financial
and marketing information of each party, and any technical documentation or
information relating to the architecture, code, conceptual structure or internal
operation of a Product (including the know-how immanent therein), shall be
deemed Confidential Information whether or not expressly designated as such.

1.2 PRODUCT. The term "Product" shall refer to any SOFTRAX software application
or suite of applications licensed and delivered to Customer hereunder, including
any Product Upgrade or Product Update or Product customization which may be
delivered to Customer either with the initial delivery of the Product or at any
time thereafter. The term "Product" shall not refer to any third party product
not licensed by Customer from SOFTRAX. Where applicable from context, the term
"Product" shall also refer to the User Documentation for such Product.

1.3 PRODUCT UPDATE. The term "Product Update" shall refer to any new release of
a Product or of Product documentation the primary purpose of which is to correct
or provide a workaround for a defect or problem with such Product or such
Product documentation.

1.4 PRODUCT UPGRADE. The term "Product Upgrade" shall refer to any new release
of a Product or of Product documentation where such release enhances or improves
Product performance and/or functionality, or which provides incremental
functionality(ies) to an application, and which, in either event, is customarily
provided to SOFTRAX customers who have contracted for Annual Support Services
(see Attachment 3) with respect to that Product. The term "Product Upgrade" does
not include (a) new modules within a Product suite where such modules offer
discrete new functionalities in addition to or together with the licensed
applications, or (b) new software products released by SOFTRAX which may provide
functionalities comparable to those provided by the Products but which are
marketed as separate and discrete product alternatives from the Products.

1.5 SEATS. The term "Seat" shall refer to one copy of the client portion of the
Product. The term "Casual Seat" shall refer to a "read only" copy of the client
portion of the Product. In addition, the WebOps module affords certain limited
use seats which are referred to as "Lite Seats." Limited use, for purposes of
defining a Lite Seat, shall mean intermittent use by a user in support of
his/her job function provided such job function is not in the area of finance
and operations. The uncapitalized word "seat" shall refer to either a full use
Seat, a Casual Seat and/or a Lite Seat, as applicable from context.

1.6 SERVICES. The term "Services" shall refer to any services, including Annual
Support Services, provided to Customer directly by SOFTRAX or through SOFTRAX
where SOFTRAX has expressly agreed, in writing, to act as general contractor and
to oversee and take responsibility for the work performed. The term "Services"
shall expressly include any consulting, installation, integration, support,
maintenance, customization or other Product-related service which may be
provided to Customer by SOFTRAX. Any Service involving third parties to be
overseen by SOFTRAX must be individually designated as such either in the
Agreement or by separate subsequent purchase order issued under the Agreement
and accepted by SOFTRAX.

II. DELIVERY AND PAYMENT TERMS.

<PAGE>
                                      -18-

2.1 DELIVERY. Delivery of Product shall be F.O.B. SOFTRAX's point of shipment to
the Customer location set forth for Customer in the first paragraph of the
Agreement and shall occur within fifteen (15) business days following Customer's
remittance to SOFTRAX of the downpayment described in section 2.2 below.
Delivery of Services shall be per the terms of the Statement of Work if one is
being used, or per SOFTRAX's standard terms for such Services.

2.2 PRICING AND PAYMENT TERMS. Fees for Products and Services are as set forth
in the Proposal. Fifty percent (50%) of all Service and Product fees (including
estimated fees) are due and payable immediately upon execution of the Agreement.
The balance of the fees for Product and for Annual Support Services shall be due
and payable upon delivery of the Products to Customer. Unless otherwise set
forth in the Proposal, the balance of fees for all other Services shall be
invoiced as incurred, on a monthly basis, after the initial downpayment for such
Services has been exhausted. Fees include, when applicable, packing consistent
with prevailing commercial practices. Prices are exclusive of sales, use and
other applicable taxes and duties (with the exception of those based on
SOFTRAX's revenues or net worth) all of which shall be the responsibility of
Customer. Upon SOFTRAX's request, Customer shall promptly provide SOFTRAX with
documentation confirming payment of all such tax payments. All pricing shall be
stated in United States currency. Unless otherwise stated in the Agreement, all
SOFTRAX invoices shall be due and payable fifteen (15) days following the
invoice date. All fees paid are non-refundable.

2.3 EXPENSE REIMBURSEMENTS. Customer agrees to reimburse SOFTRAX for all
reasonable expenses incurred in connection with SOFTRAX's performance of
Services under the Agreement, including, without limitation, expenses for
travel, lodging and related living expenses that are consistent with the travel
guidelines set forth in Attachment 4 hereto. Such expenses shall be invoiced by
SOFTRAX monthly or as incurred.

III. CONFIDENTIAL INFORMATION. Each party agrees that it shall not publish,
disclose or otherwise provide to any person (except employees of such party with
a legitimate need to know and who have agreed in writing to maintain the
confidentiality of the applicable material), any Confidential Information it
receives hereunder; provided, however that neither party shall have an
obligation to protect Confidential Information received from the other when such
information: (1) as can be reasonably documented, was in the first party's
possession at the time it was received from the second party; (2) is or becomes
a matter of public knowledge; (3) is rightfully provided to the first party by a
third party without restrictions of confidentiality; (4) as can be reasonably
documented, is independently developed by the first party without breach of this
Agreement; or (5) is required to be disclosed by the first party by operation of
law. In the event either party determines to disclose any Confidential
Information provided to it by the other party based on one of the exclusions set
forth above, such party shall provide ten (10) days written notice to the other
party of its intention to so disclose and the basis on which it is doing so.
Each party acknowledges and accepts the responsibility to use its best efforts
to safeguard the Confidential Information and to prevent its unauthorized use or
disclosure taking those measures the receiving party uses to protect its own
confidential information and in any event, no less than reasonable measures.
Each party acknowledges that violations of the terms hereof may cause the other
immediate and irreparable damage for which monetary damages may be inadequate
and for which the other party is entitled to seek injunctive relief.

IV. SOFTRAX INTELLECTUAL PROPERTY INDEMNIFICATION. If any action is instituted
against Customer based upon a claim that a Product infringes a United States
patent, copyright or trade secret, SOFTRAX shall defend such action at its own
expense on behalf of Customer and shall pay all damages attributable to such
claim and awarded against Customer after SOFTRAX has exhausted all rights of
appeal which SOFTRAX in its sole discretion desires to exercise, provided that
Customer gives SOFTRAX prompt notice of and control over any such claim, and any
negotiations for its settlement. If a final injunction is obtained against
Customer's use of a Product due to an infringement of a United States patent,
trade secret or copyright, or, if in SOFTRAX's sole judgment, it would be cost
effective to do so, then SOFTRAX may, at its option and expense, and as
Customer's exclusive remedy hereunder, either procure for Customer the right to
continue using such Product, replace or modify the Product so that it is no
longer infringing but continues to provide comparable functionality, or
repossess all properly licensed copies of the Product in Customer's possession,
reimburse Customer for the amortized purchase price of such Products (based on a
three year straight line amortization rate) and terminate this Agreement.
SOFTRAX shall have no liability to Customer for any infringement action which
arises out of the use of a

<PAGE>
                                      -19-

Product (1) for a process not contemplated by the user documentation, (2)
after it has been modified by Customer or a third party, (3) for purposes not
contemplated by this Agreement (including, but not limited to, distribution
of the Product to third parties) or (4) in combination with any other
equipment or software when use of the Product as a standalone or with other
software and/or equipment would not be infringing. Additionally, SOFTRAX
shall not be liable for any costs incurred by Customer without SOFTRAX's
prior written authorization. This Section IV sets forth the entire obligation
of SOFTRAX and the exclusive remedy of Customer against SOFTRAX or any of its
suppliers for any alleged infringement or adjudicated infringement of any
patent, copyright or other intellectual property right by a Product or
arising out of any Service provided by SOFTRAX under the terms of or in
connection with the Agreement.

V. LIMITATION ON DAMAGES. IN NO EVENT SHALL EITHER PARTY BE LIABLE TO THE OTHER
FOR (1) INCIDENTAL, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES, OR (2) ANY
DAMAGES WHATSOEVER RESULTING FROM LOSS OF USE, DATA, REVENUES OR PROFITS, COSTS
OF PROCUREMENT OF SUBSTITUTE PRODUCTS OR SERVICES, IN EITHER EVENT ARISING OUT
OF OR IN CONNECTION WITH THIS AGREEMENT, OR THE PERFORMANCE OR NON-PERFORMANCE
OF EITHER PARTY HEREUNDER, OR THE PRODUCTS OR SERVICES PROVIDED BY OR THROUGH
SOFTRAX HEREUNDER, EVEN IF THE WARRANTY REMEDY FAILS IN ITS ESSENTIAL PURPOSE
AND EVEN IF SUCH PARTY HAD BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. EACH
PARTY AGREES THAT THE OTHER PARTY'S LIABILITY UNDER OR IN CONNECTION WITH THIS
AGREEMENT OR RELATING TO ANY SERVICE OR PRODUCT PROVIDED HEREUNDER SHALL BE
LIMITED SOLELY TO THE FIRST PARTY'S DIRECT DAMAGES AND IN NO EVENT SHALL EXCEED
THE TOTAL AMOUNT IN FEES PAID BY CUSTOMER TO SOFTRAX ASSOCIATED WITH THE PRODUCT
AND/OR SERVICE GIVING RISE TO THE CLAIM AND PAID BY CUSTOMER DURING THE YEAR
PRECEDING THE EVENT OR ACTION GIVING RISE TO THE CLAIM. SOFTRAX EXPRESSLY
DISCLAIMS, AND CUSTOMER AGREES, THAT SOFTRAX SHALL HAVE NO LIABILITY OF ANY KIND
FOR ANY THIRD PARTY PRODUCT OR SERVICE. Any claim made under or in connection
with this Agreement and the Services and/or Products provided hereunder shall be
made within one (1) year from the date on which the claiming party first had
notice of the facts giving rise to the claim. Customer acknowledges and agrees
that it shall have no claim against third party suppliers by reason of the
performance or non-performance of the Products or related to the components such
third parties may have supplied for the Products.

VI. TERMINATION. The software licenses granted under the terms of this
Agreement, and SOFTRAX's obligations to continue providing Services hereunder,
shall terminate in the event of Customer's breach of a material term in the
Agreement (including nonpayment of amounts owed pursuant to the terms set forth
herein), where such breach continues for a period of ten (10) days following
written notice thereof by SOFTRAX; provided, however, that in the event the
breach by Customer of either Section III (Confidential Information) or
Attachment 2 (Software License Terms) is not of a nature as to be remediable, or
is reasonably believed by Softrax to be the result of willful, reckless or
grossly negligent acts of Customer, then SOFTRAX's termination of this Agreement
and the licenses granted hereunder shall be effective immediately with or
without notice to Customer. In the event of any such termination, or in the
event Customer elects to terminate its licenses under this Agreement, Customer
shall immediately destroy or return to SOFTRAX all copies in any form whatever
of the PRODUCTS and of SOFTRAX Confidential Information, and any portion
thereof, and shall provide written certification to SOFTRAX of such destruction
or return. Terms and conditions in this Agreement, which by their nature and
context, are intended to survive any termination, shall so survive such
termination. Without limiting the foregoing, surviving provisions shall include
those set forth in Sections III, V, VI and VII of Attachment 1, paragraphs 1
through 3 of Attachment 2, and paragraphs 4 and 5 of Attachment 3.

VII. MISCELLANEOUS

7.1 ENTIRE AGREEMENT; ASSIGNMENT; CONSTRUCTION; PERFORMANCE. This Agreement
constitutes the entire agreement between the parties with respect to the
Products and Services to be provided by SOFTRAX thereunder. The Agreement
supersedes any prior agreements, promises or understandings, whether written or
oral, relating to the matters covered

<PAGE>
                                      -20-

hereunder. Any modification of the terms and conditions of this Agreement
must be in writing and signed by an authorized representative for each party.
Any purchase orders issued by Customer shall be deemed to be for Customer's
convenience only and, notwithstanding acceptance of such orders by SOFTRAX,
shall in no way change or add to the terms and conditions of this Agreement.
Customer may not assign this Agreement or any of the rights or obligations
hereunder without the prior written consent of SOFTRAX which consent will not
be unreasonably withheld. Failure of either party to insist in any instance
upon strict performance by the other party of any term or condition of this
Agreement shall not be construed to be a permanent waiver of such or any
other term or condition of this Agreement. Headings used in the Agreement are
for reference purposes only and shall not be deemed a part of the Agreement.
If any provision of this Agreement is declared invalid by any authorized
tribunal, then such provision shall be amended or construed in a manner so as
to conform to the requirements for validity as declared at such time with as
much adherence to the original intent of the provision as possible. In any
event, the remaining provisions of this Agreement shall remain in full force
and effect. Nothing contained in this Agreement shall be construed as
creating any agency, partnership or other form of joint enterprise between
the parties. In no event shall either party have the right to bind the other
party except as may be expressly provided for herein. Neither party shall be
liable to the other for any delay in the performance of its obligations
hereunder which is unavoidable with reasonable diligence, which occurs
without its fault or negligence, and which is caused by an event or third
party not within its reasonable control; provided, however, that the party so
delayed in performance shall promptly notify the other party of the delay and
its expected duration.

7.2 OWNERSHIP. SOFTRAX and/or its third party suppliers retain full ownership of
the Products, subject to licenses which may be granted to third parties. SOFTRAX
shall also own any software or other materials it produces as part of any
Services which may be performed under the Agreement. Subject to the terms
protecting Confidential Information, Customer acknowledges that SOFTRAX may use
any ideas, concepts, modifications and information arising out of the Services
and relating to SOFTRAX Products in the development and distribution of new
products, Product enhancements or applications.

7.3 NOTICE. Notice to either party to this Agreement shall be deemed received on
the day of delivery if delivered, with confirmation of receipt, by electronic
facsimile, by courier or by hand during normal business hours, and the following
day if delivered after normal business hours. Delivery of all notices shall be
made to the following persons at the respective addresses of the parties first
set forth above: for SOFTRAX, to the attention of the Vice President, Finance
(fax. number (781) 830-9345); for Customer, to the attention of
_____________________________(fax. number ___-___-____ ).

7.4 PUBLICITY. Each party agrees to submit to the other party for approval prior
to its release any advertising, press releases, sales promotions or other
publicity relating to this Agreement where such materials reference the second
party; provided, however, that SOFTRAX shall be entitled to identify Customer as
a SOFTRAX customer in press releases, marketing materials and other publicly
distributed information. SOFTRAX shall not use Customer as a reference without
Customer's prior consent.

7.5 NO HIRE. Subject to any limitations of applicable law, for so long as
SOFTRAX is providing Product or Services of any kind to Customer, and for the
six month period thereafter, neither party may solicit for employment or employ,
directly or indirectly, an employee of the other party who has had contact as a
result of this Agreement with the first party (unless such employee has left the
employment of such party at least six (6) months previously) without the second
party's prior written consent. In the event either party violates the terms of
this section, that party shall pay to the non-breaching party an amount equal to
the greater of (a) the total annual compensation (including, without limitation,
salary, benefits, bonuses and stock options) being paid to the employee by the
non-breaching party at the time of the breach, and (b) the total compensation
paid or to be paid to the employee by the breaching party during the first year
that the employee is retained or hired by such party.

<PAGE>
                                      -21-

7.7 GOVERNING LAW. This Agreement shall have the effect of a sealed instrument
and shall be governed by and construed in accordance with the laws of the
Commonwealth of Massachusetts, excluding its conflict of law rules. The parties
agree that Massachusetts shall be the exclusive venue for claims arising out of
or in connection with this Agreement. Customer agrees to submit to the personal
jurisdiction of Massachusetts with respect to such claims. The parties further
agree that all disputes, claims or controversies arising out of or relating to
this Agreement or the parties' relationships outside this Agreement, whether
based on facts occurring before, during or after the term of this Agreement,
that are not resolved by the parties' good faith attempt to negotiate a
resolution shall be submitted to final and binding arbitration before the
American Arbitration Association("AAA") (or another entity agreed upon by the
parties), pursuant to the United States Arbitration Act, 9 U.S.C. Section1, et.
seq.; provided, however, that nothing herein shall prevent either party from
seeking injunctive relief in a court of law or other administrative forum with
respect to violations of the terms of Section III (Confidential Information)
above. The arbitration will be conducted in accordance with the provisions of
AAA's (or other agreed upon entity's) streamlined arbitration rules and
procedures in effect at the time of the filing of the demand for arbitration.
The parties will cooperate with AAA (or other agreed upon entity) and each other
in selecting a single arbitrator who shall be a former judge or justice with
substantial experience in resolving business disputes with particular experience
in resolving disputes involving computer software. The arbitrator shall have the
power to award costs and attorneys' fees to the prevailing party. In the absence
of such an award, the cost of arbitration will be shared equally by the parties
and each party shall bear its own expenses. The provisions of this section may
be enforced by any court of competent jurisdiction. The arbitrator shall not be
empowered to award damages in excess of, or inconsistent with, the liability
limitations contained in this Agreement. The parties mutually and voluntarily
agree that the United Nations Convention on Contracts for the International Sale
of Goods shall not apply to transactions covered by this Agreement. Customer
agrees not to permit the delivery of the Product in violation of any applicable
United States or Territory export control laws, restrictions and regulations
relating to the distribution of technical information and software, as they
exist from time to time, including, without limitation, those promulgated by the
United States Department of Commerce.

EACH PARTY RECOGNIZES AND AGREES THAT THE WARRANTY DISCLAIMERS AND LIABILITY AND
REMEDY LIMITATIONS IN THIS AGREEMENT ARE MATERIAL BARGAINED FOR BASES OF THIS
AGREEMENT AND THAT THEY HAVE BEEN TAKEN INTO ACCOUNT AND REFLECTED IN
DETERMINING THE CONSIDERATION TO BE GIVEN BY EACH PARTY UNDER THIS AGREEMENT AND
IN THE DECISION BY EACH PARTY TO ENTER INTO THIS AGREEMENT.

<PAGE>
                                      -22-

                      ATTACHMENT 2: SOFTWARE LICENSE TERMS
           (APPLICABLE TO ALL PRODUCTS DELIVERED UNDER THE AGREEMENT)

1. LICENSED USE OF PRODUCT. Customer is granted a worldwide, perpetual (unless
terminated for breach of the Agreement) license to use the Products solely for
its internal business purposes but shall not use the Products for the internal
purposes of third parties. Customer is authorized to make (a) a reasonable
number of copies of the server portion of the Products for back-up and archival
purposes only, and (b) only that number of copies of the client portion and user
documentation of the software equal to the number of seat licenses which have
been purchased under this Agreement. Customer acknowledges that certain Products
require an "enabling key" which must be obtained from SOFTRAX in order for such
Products to be operational. All copies or partial copies shall include all
copyright, trademark and other proprietary notices and license terms where and
as found in the original Product delivered to Customer. Customer may not
disassemble, reverse engineer, decrypt, decompile, create derivative works from,
or translate any Product, or portion thereof, or recreate or attempt to recreate
the Products, in whole or in part by reference to the Products, or perform any
process intended to determine the source code for the Product except to the
extent that the foregoing restriction is prohibited by applicable law; nor shall
Customer sublicense, distribute, deliver, assign or otherwise provide to a third
party any Product or portion thereof and any attempt to do so will be void AB
INITIO; nor may Customer modify the Products except as contemplated by the
Product user documentation. In the event that Customer elects to terminate its
use of the Software, and in connection therewith to transfer data existing in
the Software database to a different application or database, Customer shall
provide written notice to Softrax of any such election and shall provide Softrax
with prior written notice of and the opportunity to attend and participate in
any database transfer which may be pursued by Customer in order to ensure the
protection of that Softrax proprietary, schematic and architectural information
within the Software which might otherwise be disclosed in connection with any
such transfer. Customer agrees that the User Documentation shall only be used
with the Product with which it is associated. Customer further acknowledges and
agrees that third party suppliers of software to SOFTRAX are third party
beneficiaries of the terms governing Products under this Agreement with respect
to the Products which contain their software and such third parties may enforce
such terms directly.

2. PRODUCT WARRANTY. SOFTRAX hereby warrants to Customer that the Products shall
be free from any material defect in materials and workmanship and shall operate
substantially in accordance with their user documentation for a ninety (90) day
period commencing as of the date of the Products' delivery to Customer ("the
"Warranty Period"). SOFTRAX further warrants that when used in accordance with
its user documentation, and provided that the hardware and software used in
combination with the Products process and transmit correct calendar date data to
the Products, the Products will correctly process and present calendar dates
falling on or after January 1, 2000 in the same manner as the Products process
and present calendar dates falling on or before December 31, 1999 ("Y2K
Warranty"). The foregoing Y2K Warranty shall expire on March 31, 2000. Softrax
does not provide a Y2K Warranty with respect to any third party software or
hardware which may be used by Customer in conjunction with the Products. In the
event a Product is found to be defective or non-conforming during the Warranty
Period, then SOFTRAX shall, at its option, repair or replace such Product upon
its return to SOFTRAX by Customer pursuant to SOFTRAX's standard warranty return
procedures, or, if SOFTRAX determines, in its sole discretion, that neither
repair nor replacement of the defective Product is commercially practicable,
SOFTRAX will, upon receipt of the defective Product from Customer, refund to
Customer the license fees paid by Customer for the returned Product . The terms
of this warranty shall not apply to any Product that (1) has been modified by
Customer or a third party, (2) has been used in combination with equipment or
software other than that which is consistent with its user documentation, (3)
has been damaged by negligence, misuse, fire casualty or other external causes,
or (4) has been subjected to unusual physical or electrical stress. SOFTRAX does
not warrant that the Product will perform error free or without interruptions,
nor does SOFTRAX warrant that the Product will meet Customer's requirements.
Except as expressly provided for in this paragraph, Customer agrees to bear the
entire risk as to the adequacy and performance of the Product. Customer
expressly acknowledges its responsibility to regularly back up data maintained
on any computer system using the Products and to adequately test each new
release of the software in an environment which reasonably simulates Customer's
production environment prior to implementing the same. EXCEPT FOR THE EXPRESS
WARRANTIES SET FORTH IN THIS

<PAGE>
                                      -23-

PARAGRAPH 2, SOFTRAX DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, WITH
REGARD TO THE PRODUCTS, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES
OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, FREEDOM FROM VIRUSES
OR FREEDOM FROM INFRINGEMENT, OR THOSE ARISING FROM THE COURSE OF DEALING
BETWEEN THE PARTIES OR USAGE OF TRADE. This Paragraph 2 sets forth Customer's
exclusive remedy in warranty and SOFTRAX's sole warranty responsibility in
the event a Product is defective or fails to perform during the Warranty
Period. Customer acknowledges and agrees that SOFTRAX extends no warranties
of any sort or nature to or by any third party, or with respect to any third
party product or service.

3. PROPRIETARY RIGHTS. Customer acknowledges that the Products (including all
methods, concepts or techniques utilized therein) are commercially valuable
property of SOFTRAX and/or its suppliers and which it and/or they treat as
confidential, proprietary and containing of trade secrets. Except for the rights
expressly granted to Customer hereunder, no right in or title to the Products,
or any intellectual property rights therein or associated therewith, shall be
deemed to have been vested in or transferred to Customer under the terms of the
Agreement. All title to and ownership of the Products, and the intellectual
property rights therein or associated therewith, remain with SOFTRAX and its
suppliers. SOFTRAX shall be entitled to audit, on a reasonable basis, Customer's
use of the Products to ensure compliance with the terms of this license.
Customer may, at its option and payment of the annual subscriber fee,
participate in the source code escrow account which has been established by
SOFTRAX for the benefit of its customers.

4. PER SEAT/CPU LICENSING. Customer acknowledges that the Product is licensed to
Customer on a per server, per seat and/or per central processing unit ("CPU")
basis. In the event Customer elects to expand the number of servers, seats
and/or CPUs licensed with respect to any Product, Customer shall promptly notify
SOFTRAX of the same and remit to SOFTRAX the incremental license fees associated
with the CPU, seat and/or server increase pursuant to the fee schedule set forth
in the Proposal, or if not in the Proposal, then at SOFTRAX's then prevailing
rates. Customer will not allow the number of servers, CPUs or seats of the
Products to exceed the number of server, CPU or seat licenses paid for by
Customer and shall provide SOFTRAX with written notice of the number of seats,
CPUs and servers being used on a quarterly basis.

<PAGE>
                                      -24-

                             ATTACHMENT 3: SERVICES
            (APPLICABLE TO ALL SERVICES PROVIDED UNDER THE AGREEMENT)

1. ANNUAL SUPPORT SERVICES. SOFTRAX Annual Support Services shall commence as of
the effective date of this Agreement. Annual Support Services can be renewed for
successive one (1) year terms by payment of the then current annual renewal fee.
SOFTRAX shall provide notice to Customer when the renewal fee is due. SOFTRAX
shall not increase the renewal fee for Support Services by more than 10% during
any twelve (12) month period. SOFTRAX Support Services do not include on site
services, those services addressed in paragraphs 2 and 3 below, or Product that
is not at the latest revision level as of the start date of the then current
term, that has been modified without the authorization of SOFTRAX or that has
been damaged by negligence, misuse, use with inappropriate software or equipment
or by other external causes. For so long as Customer has purchased Support
Services and current in its payments to SOFTRAX under this Agreement, Customer
shall be entitled to receive unlimited telephone support, Monday through Friday
(SOFTRAX holidays excluded), between the hours of 8:30 AM and 8:00 PM Eastern
Time Zone, through Customer's designated system representatives. For this
purpose, Customer shall designate two of its employees as designated system
representatives, each of whom shall have received training on the Products by
SOFTRAX and shall be relatively proficient in the operation of the Products.
Such Customer representatives shall promptly report to SOFTRAX support any
problems with the Product performance which prevent the Products from operating
substantially in accordance with their user documentation together with such
information as may be required by SOFTRAX to replicate such problems. SOFTRAX
shall address any such replicable problems with an effort commensurate with
their severity and shall deliver to Customer a remedial release or workaround as
it becomes available. In addition, for so long as Customer has purchased Support
Services and current in its payments to SOFTRAX under this Agreement, Customer
shall receive, at no additional cost, Product Upgrades and Product Updates to
the Products which are made generally available at no cost by SOFTRAX to
customers who have purchased Support Services; provided, however, that to the
extent any Product Upgrades include materially new technology for which SOFTRAX
is required to pay additional license fees to the supplier(s) of such
technology, then such Product Upgrades shall be provided to Customers who have
purchased Annual Support Services at the pass through cost of such additional
license fees; and provided further, however, that Customer may elect not to
accept Product Upgrades requiring the payment of additional license fees without
jeopardizing the validity of their support coverage for the then current term.
Customer shall receive one original of any Product Upgrade and/or Product Update
delivered hereunder in electronic form or on media, according to the general
form of distribution implemented by SOFTRAX.

2. TRAINING. SOFTRAX will provide on site and/or remote training on SOFTRAX
Products as specified in the Proposal. Additional Product training will be
available to Customer on SOFTRAX's then standard terms and rates.

3. CONSULTING, INSTALLATION, INTEGRATION AND CUSTOMIZATION SERVICES. SOFTRAX
will provide those consulting, installation, integration and customization
services which may be identified on the Proposal or subsequently by written
agreement of the parties. SOFTRAX shall reserve the right to determine the
method, details and means of performing the required Services. In preparing any
Statement of Work, SOFTRAX shall use its best efforts to accommodate Customer
scheduling and staffing concerns. Statements of Work shall also include any
special terms, milestones and pricing which may be agreed upon by the parties
for specific Services. Additional or extended Services requested by Customer
shall be performed at SOFTRAX's then hourly rates unless otherwise agreed upon
in writing by the parties. Where Services are to be provided by SOFTRAX, or a
SOFTRAX designee, at Customer's site, Customer agrees to provide appropriate
workspace for SOFTRAX, with sufficient access to standard facilities such as
telephone lines, fax and copier equipment, and the like.

4. SERVICES WARRANTY. SOFTRAX warrants that all Services provided under the
Agreement shall be performed professionally, in a workmanlike manner and by
employees with appropriate skills and expertise. SOFTRAX does not warrant that
individual Statements of Work will not be subject to modifications or delays but
SOFTRAX will work to minimize any such modifications or delays unless the same
have been requested or required by Customer or otherwise occur through no fault
of SOFTRAX. If Customer is dissatisfied at any point with the performance of any
SOFTRAX

<PAGE>
                                      -25-

employee(s), Customer shall promptly notify SOFTRAX. If SOFTRAX agrees that
the performance of the employee was materially below the level of competence
reasonably associated with the Service being provided, SOFTRAX will arrange
for the performance to be raised to the warranted level, and for identifiable
defects caused by prior substandard performance to be cured. Except as
provided under this paragraph, CUSTOMER'S SOLE AND EXCLUSIVE REMEDY, IN THE
EVENT IT IS DISSATISFIED WITH A SOFTRAX SERVICE, IS TO TERMINATE THAT SERVICE
PURSUANT TO THE TERMS OF PARAGRAPH 5 BELOW.

5. TERMINATION. Customer may terminate Services at any time upon thirty (30)
days written notice; provided, however, that no fees already paid for such
Services shall be refundable under any circumstances; and provided further, that
Customer shall pay to SOFTRAX for time and materials spent by SOFTRAX in
connection with such Services prior to the effective date of termination, that
exceed any amounts already paid for such Services by Customer, as calculated on
a time and materials basis using SOFTRAX's then current rates for the same.
Invoices for the same shall be payable immediately upon receipt. SOFTRAX shall
use its best efforts during the thirty (30) day notice period to close out the
Services in a manner which provides the most benefit to and future use for
Customer as to that work which may be in progress as of the notice date.

<PAGE>
                                      -26-

                     ATTACHMENT 4: TRAVEL EXPENSE GUIDELINES
           (APPLICABLE TO ALL SERVICES PROVIDED UNDER THIS AGREEMENT)

The intent of the guidelines set forth in this Attachment 4 is to provide
Customer with efficient and cost-effective Services. In any given situation, the
SOFTRAX employee should use sound business judgment in evaluating alternatives
available to him/her with the objective of minimizing, as reasonable, travel
expenses. All invoices to Customer for reimbursable travel related expenditures
will include: the name of the traveler(s); dates of travel; reason for the trip.
Customer shall remit payment to SOFTRAX within thirty (30) days of receipt of
each valid invoice.

                                     AIRFARE

Economy or coach travel is to be utilized whenever possible on flights within
the United States. SOFTRAX shall use commercially reasonable efforts to obtain
discounted fares subject to priority being accorded to non-stop and direct
flights.

                                     LODGING

SOFTRAX should utilize commercially reasonable efforts to obtain modestly priced
business class accommodations that are in reasonable proximity to Customer's
location. Prior to booking, SOFTRAX should consult with Customer as to the
availability of any negotiated rates Customer may have with surrounding business
class hotels and determine if such charges can be billed directly to Customer by
the hotel.

                              GROUND TRANSPORTATION

SOFTRAX should use sound business judgment in determining the most economical
mode of available transportation whenever practical. Rentals should be limited
to "mid-size" vehicles unless three or more individuals will be sharing the
automobile or if a special promotion makes "larger-size" rentals more
economical.. Gasoline and other rental related expenditures will be reimbursed
based upon actual costs. Taxi, subway and other forms of ground transportation
will be reimbursed at actual cost.

                                  PARKING/TOLLS

Where reasonably practicable, SOFTRAX will utilize long-term or remote parking
for airport parking. All other parking and tolls will be reimbursed at actual
costs.

               ACTUAL OUT-OF-POCKET EXPENSES (MEALS & INCIDENTALS)

Customer will reimburse SOFTRAX for the cost of meals, tips and other related
out-of-pocket living expenses incurred while traveling. Customer will not
reimburse SOFTRAX for newspapers, cleaning charges, vending machine charges,
toiletries, personal entertainment and such other like items. SOFTRAX charges a
flat fee of $10.00 per day to cover telephone charges.

<PAGE>

                                   SCHEDULE I

                               PROGRAM QUICK START

Changepoint will provide to OEM the following:

1.       Training: Sales training (three days tentatively scheduled for January,
         2000), implementation/support training (up to 25 days).

2.       Engineering support (up to 30 days).

         2.1.     Provide initial training to OEM's technical staff to teach it:

                  2.1.1.   how to use Changepoint functionality
                  2.1.2.   how to administer Changepoint

                  2.1.3.   the data model, technical architecture and
                           integration points of Changepoint

                  2.1.4.   assist OEM in the design, development, testing and
                           debugging of integration of Changepoint with OEM

         2.2.     Provide and define methods and processes for OEM Client
                  Services to efficiently work with Changepoint's support
                  services organization

                  2.2.1. Provide access to Changepoint knowledge base

                  2.2.2.   Provide specialized support training

                  2.2.3.   Create/understand escalation process

3        Pre-sales support  (up to 30 days)

         3.1. To be provided on request for up to 15 Prospects.

4.       Final total is up to 85 days.

OEM to reimburse Changepoint for reasonable travel expenses as per travel
expense guidelines. Changepoint to assist at more than one call per day provided
that calls are in the same geographic distance.

Changepoint shall also deliver the following to OEM:

MATERIALS

1.       Training materials, including updates and additions as released from
         time to time, in electronic and hard copy.

2.       Comprehensive technical documentation for software (including, without
         limitation, entity relationship diagrams), including updates and
         additions released from time to time, in electronic and hard copy.

<PAGE>

3.       Soft copy of marketing collateral materials, including updates and
         additions as released from time to time.

4.       Soft copy of user documentation, including updates and additions as
         released from time to time.

5.       Reasonable number of Demonstration/Marketing copies of the Changepoint
         software, including demonstration data sets provided that such copies
         remain at all times under the control of OEM. (For example, copies are
         not installed and left on Prospect equipment for
         demonstration/marketing/evaluation purposes.)

6.       Soft copy of presentations and proposal materials, including updates
         and additions as released from time to time.\<PAGE>
                                                                               1

                                      LEASE

THIS LEASE made as of the day of 24th day of February, 2000
PURSUANT TO THE SHORT FORMS OF LEASES ACT

BETWEEN:

                    MENKES OFFICE PARKS LTD.

                    (the "LANDLORD")
                                                  OF THE FIRST PART
AND:

                    DENBURN INVESTMENTS INC.

                    (the "TENANT")

                                                  OF THE SECOND PART
AND:

                    CHANGEPOINT CORPORATION

                    (the "INDEMNIFIER")
                                                  OF THE THIRD PART

ARTICLES.  For convenience of reference this Lease has been divided into the
following Articles:

     Article I    - Definitions
     Article II   - Lease Term and Payments
     Article III  - Landlord and Tenant Covenants
     Article IV   - Repair and Damage
     Article V    - Taxes and Operating Costs
     Article VI   - Utilities and Additional Services
     Article VII  - Assigning and Subletting
     Article VIII - Fixtures and Improvements
     Article IX   - Insurance and Liability
     Article X    - Subordination, Attornment and Certificates
     Article XI   - Events of Default and Remedies
     Article XII  - Miscellaneous
     Article XIII - Other Provisions

LIST OF SCHEDULES.  The following schedules form an integral part of this
Lease:

     Schedule "A" - Legal Description of Lands
     Schedule "B" - Leased Premises
     Schedule "C" - Rules and Regulations
     Schedule "D" - Building Specifications
     Schedule "E" - Indemnity Agreement

ARTICLE 1.00 - DEFINITIONS

1.1  DEFINITIONS.  In this Lease the following defined terms shall have the
     meanings set forth below.

     "ADDITIONAL RENT"  means Operating Costs under Section 5.5, Taxes under
     5.3, Electricity under 6.2, and Insurance under Article IX and all other
     charges, costs and expenses required to be paid by the Tenant under the
     terms of this Lease (other than Base Rental) whether payable to the
     Landlord or not.

     "ADDITIONAL SERVICES"  means the services and supervision supplied by the
     Landlord to the Leased Premises and Common Area Facilities and referred
     to herein or in any other provision hereof as Additional Services and
     any other services which from time to time the Landlord supplies to the
     Tenant at the Tenant's written request or as the Landlord deems
     necessary, acting reasonably, and which are additional to the janitor
     and cleaning and other services typically supplied in a first class
     office building, supervision in connection with the making of any
     repairs or alterations by the Tenant affecting the Base Building,
     building

<PAGE>
                                                                               2

     systems or Leasehold Improvements.

     "ATTIC STOCK"  means spare fan, pump and cooling tower motors, base
     Building light fixtures, fuses, etc.

     "BASE RENTAL"  means the Base Rental payable by the Tenant in accordance
     with Section 2.3.

     "BUILDING"  means the building municipally known as 30 Leek Crescent, in
     the Town of Richmond Hill.

     "CAPITAL TAX"  is an amount presently or hereafter imposed from time to
     time pursuant to Part III of the Corporations Tax Act (Ontario) (the
     "ACT") upon the Landlord or the owner of the Building and Lands and
     payable by the Landlord on account of its interest in the Building and
     the Lands or any part thereof, or its interest in or capital employed in
     the Building and the Lands, as the case may be, and for greater clarity
     will be computed on the basis that the Building herein is the sole asset
     of the Landlord.

     "COMMENCEMENT DATE"  means November 1st, 2000.

     "COMMON AREA FACILITIES"  means all facilities, improvements,
     installations, utilities and equipment located in the Building or the
     Lands immediately surrounding the Building.

     "COMMON AREAS"  means those areas, facilities, utilities, improvements,
     equipment and installations comprising the Lands and Building and which
     are not leased or designated for lease to tenants but are provided to be
     used in common by (or by the sublessees, agents, employees, customers or
     licensees of) the Landlord, the Tenant, and other tenants of the
     Building and other buildings on the Lands, whether or not the same are
     open to the general public or a specific tenant of the Building, and
     include, but are not limited to, parking areas and all vestibules for
     and entrances and exits thereto; driveways, truckways and related areas;
     corridors and underground or above ground tunnels or passageways;
     stairways, escalators, ramps, and elevators and other transportation
     equipment and systems; tenant, common and public washrooms; telephone,
     meter, valve, mechanical, mail, storage, service and janitor rooms; fire
     prevention, security and communication systems, any fixtures, chattels,
     systems, decor, signs, facilities, or landscaping and planted areas
     contained therein or maintained or used in connection therewith.

     "COST OF ADDITIONAL SERVICES"  shall mean in the case of Additional
     Services provided by the Landlord a reasonable charge made therefor by
     the Landlord which shall not exceed the cost of obtaining such services
     from independent contractors and in the case of Additional Services
     provided by independent contractors the Landlord's total cost of
     providing Additional Services to the Tenant including the proportionate
     cost of all direct labour (including salaries, wages and fringe
     benefits) and materials and other direct expenses incurred, the cost of
     supervision without duplication or profit and other expenses reasonably
     allocated thereto.

     "INSURED DAMAGE"  means that part of any damage occurring to the Leased
     Premises of which the entire cost of repair is actually recovered by the
     Landlord under a policy of insurance in respect of fire and other perils
     from time to time effected by the Landlord, or for which the Landlord
     has self-insured under Section 9.1 herein.

     "LAND"  means those lands described in Schedule "A" attached hereto.

     "LEASE"  means this Lease between the Landlord and the Tenant, and all
     amendments hereto.

     "LEASEHOLD IMPROVEMENTS"  means all fixtures, improvements,
     installations, alterations and additions from time to time made, erected
     or installed by or on behalf of the Tenant or by or on behalf of any
     other previous occupant in the Leased Premises (including the Landlord)
     with the exception of trade fixtures, furniture and equipment, (not of
     the nature of fixtures), modular office furniture systems, improvements
     of a cosmetic nature such as rugs (but not broadloom), decorations and
     other improvements moveable without the use of tools, but Leasehold
     Improvements include all office partitions affixed to the floor in a
     permanent manner and includes wall-to-wall and other carpeting with the
     exception of such carpeting where laid over vinyl tile or other finished
     floor and

<PAGE>
                                                                               3

     affixed so as to be readily removable without damage.

     "LEASED PREMISES"  means approximately 35,000 square feet of Rentable
     Area on the 4th and 3rd floors of the Building as outlined in red on the
     plans attached as Schedule "B".

     "NORMAL BUSINESS HOURS"  means the hours of 8:00 a.m. to 6:00 p.m.
     Monday to Friday, except public holidays.

     "OPERATING COSTS"  means the total of all expenses, costs, and outlays
     incurred in the complete maintenance, repair and operation of the
     Building and Common Area Facilities calculated in accordance with
     industry standards for similar developments, whether incurred by or on
     behalf of the Landlord.

     (a)  Operating Costs shall include without limiting the generality of
          the foregoing (but subject to certain deductions as hereinafter
          provided), the cost of providing complete cleaning and janitorial
          services, the cost of building supplies used in the maintenance of
          the Building, Attic Stock, supervisory (if any) and maintenance
          services, exterior landscaping, snow removal, garbage and waste
          collection and disposal, rental of equipment and signs, janitorial
          services to the Common Areas of the Building, the cost of operating
          elevators, the cost of heating, cooling and ventilating all space
          including both rentable and non-rentable areas, the cost of
          providing hot and cold water, electricity (including lighting), and
          the replacement of electric light bulb tubes, starters and
          ballasts, telephone and other utilities and services to both
          rentable and non-rentable areas, the cost of all repairs including
          repairs to the Building or services in the Building or Common Area
          Facilities including elevators, depreciation on the central HVAC
          systems distribution plant and associated equipment, depreciation
          on all fixtures, equipment and facilities requiring periodic
          maintenance or substantial replacement, the cost of window
          cleaning, and providing security (if any), the cost of all
          insurance for liability or fire or other casualties referred to in
          Article 9.1, accounting costs incurred in connection with
          maintenance and operation including computations required for the
          imposition of charges to tenants and audit charges required to be
          incurred for the conclusive determination of any costs hereunder,
          reasonable legal fees, the amount of all reasonable salaries (only
          to the extent that such salaries or a proportion thereof, relate
          directly to the Building), wages and fringe benefits, unemployment
          and workers compensation insurance premiums, pension plan
          contributions and other similar premiums and contributions paid or
          provided to employees directly or a reasonable proportion thereof
          engaged in the maintenance, repair or operation of the Building,
          amounts paid to independent contractors for any services in
          connection with such maintenance, repair or operation, the cost of
          management fees, and other indirect expenses to the extent
          allocable to the maintenance, repair and operation of the Building
          and Common Area Facilities and all other expense of every nature
          incurred in connection with the maintenance, repair and operation
          of the Building and Common Area Facilities; and

     (b)  Operating Costs shall exclude structural or major mechanical
          repairs and replacements, debt service, and all management costs
          not allocable to the actual maintenance, repair and operation of
          the Building (such as that incurred in connection with leasing and
          rental advertising).

     (c)  the cost of any of the items cited in paragraph (a) above that vary
          with the level of occupancy of the Building (such as but not
          limited to cleaning and janitorial costs, garbage and waste
          collection and the cost of utilities) shall be adjusted and
          included in the Operating Costs as if the Building were 100%
          occupied (hereinafter referred to as "GROSS UP"). This Gross Up is
          for the sole purpose of equitably dividing the cost of such items
          among the tenant(s) actually occupying the Building and is to
          ensure that: (a) this Lease is on an absolutely net net basis to
          the Landlord (except as otherwise set forth herein); and (b) the
          Landlord is not subsidizing any tenant in the Building for costs
          that would otherwise be paid in full by the tenant if the Building
          was in fact 100% occupied. For further clarity the Landlord shall
          not profit from the terms of this paragraph and any Gross Up shall
          be net revenue neutral with respect to cost recovery to the
          Landlord;

     "PROPERTY"  means the Land and Building.

<PAGE>
                                                                               4

     "PROPORTIONATE SHARE"  shall mean the fraction which has as its
     numerator the Rentable Area of the Leased Premises and has as its
     denominator the total Rentable Area of the Building. The total Rentable
     Area of the Leased Premises shall be adjusted from time to time, as may
     be reasonably necessary, to give effect to any structural or functional
     changes affecting the calculation of total Rentable Areas.

     "RENT"  means Base Rental and Additional Rent.

     "RENTABLE AREA"  in this Lease means:

     (a)  in the case of a single tenancy on a whole floor of the Building,
          the area as determined by the Landlord's architect in accordance
          with current BOMA standards; and

     (b)  in the case of a floor of the Building to be occupied by more than
          one tenant, all areas from the inside finished surface of the
          dominant portion of the permanent outer Building walls to the
          Tenant's side of corridors and/or other permanent interior walls
          and to the centre of demising partitions which separate the area
          occupied from adjoining rentable premises, herein referred to as
          the "USABLE AREA", plus a gross-up factor for the Service Areas on
          the floor in common with other tenants on the same floor,
          including, but not limited to, corridors, elevator lobbies,
          mechanical, electrical, telephone and janitor's rooms exclusively
          serving the floor, such factor to be based upon a ratio which the
          Service Areas of the floor bear to the sum of the Usable Area of
          the floor, plus an additional gross-up factor for ground floor
          services in common with other tenants, including, but not limited
          to, vestibules, corridors, elevator lobbies, mechanical,
          electrical, telephone, mail, garbage and janitor's rooms, such
          factor to be based upon a ratio which the ground floor Service
          Areas of the Building bears to the gross floor area, less Vertical
          Openings of the Building.

     "RULES AND REGULATIONS"  means the rules and regulations attached as
     Schedule "C".

     "SERVICE AREAS"  shall mean the area of corridors, elevator, lobbies,
     service elevator lobbies, washrooms, air-cooling rooms, fan rooms,
     janitor's closets, telephone and electrical closets and other closets
     serving the Leased Premises in common with other premises on the same
     floor.

     "TAXES"  means all taxes, rates, duties, levies and assessments
     whatsoever, whether municipal, parliamentary or otherwise, levied,
     imposed or assessed against the Building, Common Areas or Common Area
     Facilities or upon the Landlord in respect thereof including Capital Tax
     and commercial concentration tax, or from time to time levied, imposed
     or assessed in the future in lieu thereof, or in addition thereto,
     whether now contemplated or not, and those levied, imposed or assessed
     for education, schools and local improvements and including all costs
     and expenses (including legal and other professional fees and interest
     and penalties on deferred payments), incurred by the Landlord in good
     faith in contesting, resisting or appealing any taxes, rates, duties,
     levies or assessments, but excluding taxes and license fees in respect
     of any business carried on by tenants and occupants of the Building
     (including the Landlord) to the extent such taxes are not levied in lieu
     of taxes, rates, duties, levies and assessments against the Building or
     upon the Landlord in respect thereof, and shall also include any and all
     taxes which may in future be levied in lieu of taxes as hereinbefore
     defined, and also including Large Corporations Tax or any similar or
     successor tax in lieu thereof or in addition thereto assessed upon the
     Landlord.

     "TERM"  means the term of the Lease stipulated in paragraph 2.2.

     "UTILITIES"  means electricity as described in Article 6.2, natural gas
     and any other utility required in the operation of the Building.

ARTICLE 2.00 - LEASE TERM AND PAYMENTS

2.1  DEMISE.  In consideration of the rents, covenants and agreements
     hereinafter reserved and contained, the Landlord hereby leases to the
     Tenant, for the exclusive use of the Tenant, the Leased Premises for the
     Term.

2.2  TERM.  The Lease shall have a term of ten (10) years commencing on
     November

<PAGE>
                                                                               5

     1st, 2000 and ending October 31st, 2010 unless such term shall be sooner
     terminated as hereinafter provided. In the event the Leased Premises are
     not ready for occupancy as of the Commencement Date, other than by
     reason of the Tenant's delay, the Tenant shall be entitled to remain in
     the premises it currently occupies at the same cost until the Leased
     Premises are ready for occupancy and the within term shall be a full ten
     (10) years in such event commencing on the actual date of delivery of
     the Leased Premises by the Landlord as required herein.

2.3  BASE RENTAL.  THE TENANT SHALL PAY yearly and every year during the first
     five (5) years of the within Term the sum of $490,000.00 of lawful money
     of Canada in twelve (12) equal monthly instalments of $40,833.33, in
     advance, the first of such instalments to become due and payable on
     November 1st, 2000 (the "BASE RENTAL"). The Tenant shall pay early and
     every year during the second five years of the within Term the sum of
     $560,000.00 of lawful money of Canada in twelve (12) equal monthly
     instalments of $46,666.67, in advance, the first of such instalments to
     become due and payable on November 1st, 2005.

     The aforesaid annual Base Rental for the first five (5) years is
     calculated on the basis of the Rentable Area of the Leased Premises
     being 35,000 square feet at a rate of $14.00 for each square foot of
     Rentable Area. The aforesaid annual Base Rental for the second five (5)
     years is calculated on the basis of the Rentable Area of the Leased
     Premises being 35,000 square feet at a rate of $16.00 for each square
     foot of Rentable Area.

     IF THE TERM COMMENCES on any day other than the first or ends on any day
     other than the last day of the month, the Base Rental and additional
     rental for the fractions of a month at the commencement and at the end
     of the Term shall be adjusted pro rata. All Base Rental payments shall
     be payable on the first of each month.

2.4  PREPAID RENT.  The Landlord acknowledges receipt by Colliers Macaulay
     Nicolls (Ontario) Inc. of the sum of $50,000.00, including GST,
     representing payment on account of Base Rental towards the Base Rental
     and Additional Rental first due under of the Term herein.

2.5  SECURITY DEPOSIT.  - DELETED INTENTIONALLY

2.6  POST-DATED CHEQUES  - DELETED INTENTIONALLY

ARTICLE 3.00 - LANDLORD AND TENANT COVENANTS

3.1  LANDLORD COVENANTS.  The Landlord covenants with the Tenant:

     (a)  QUIET ENJOYMENT.  To provide for quiet enjoyment.

     (b)  INTERIOR CLIMATE CONTROL.  To provide to the Leased Premises during
          Normal Business Hours and, subject to Section 13.17 herein,
          processed air by means of a system for heating and cooling,
          filtering and circulating, processed in such quantities, and at
          such temperatures as shall be reasonable in accordance with good
          standards of interior climate control generally pertaining to
          normal occupancy of premises for office purposes. The Landlord
          shall have no responsibility for inadequacy of the performance of
          the said system if the Leased Premises depart from the design
          criteria.

     (c)  ELEVATORS.  Subject to the supervision of the Landlord and except
          when repairs are being made thereto, to furnish for use by the
          Tenant and its employees and invitees in common with other persons
          entitled thereto reasonable standards of passenger elevator service
          to the Leased Premises. The Tenant shall be responsible for any
          damages caused to the elevator as a result of taking possession or
          giving up possession of the Leased Premises and shall pay such
          costs forthwith upon demand as Additional Rent.

     (d)  ENTRANCES LOBBYS, ETC.  To permit the Tenant and its employees and
          invitees to have the use in common with others entitled thereto of
          the common entrances, lobbies, stairways, elevators and corridors
          of the Building giving access to the Leased Premises (subject to
          the Rules and Regulations and such other reasonable limitations as
          the Landlord may from time to time impose).

<PAGE>
                                                                               6

     (e)  WASHROOMS.  To permit the Tenant and its employees and invitees, in
          common with others entitled thereto to use the washrooms available
          to the Leased Premises on each floor of the Building upon which any
          part of the Leased Premises is located.

     (f)  JANITOR SERVICE.  To cause when reasonably necessary from time to
          time the floors and windows of the Leased Premises to be swept and
          cleaned and the desks, tables and other furniture of the Tenant to
          be dusted, all in keeping with a first-class office building, such
          work shall be done at the Landlord's direction without interference
          by the Tenant, its servants or employees.

     (g)  MAINTENANCE OF COMMON AREAS.  To cause the elevators, common
          entrances, lobbies, stairways, corridors, washrooms and other parts
          of the Building from time to time provided for common use and
          enjoyment to be swept, cleaned or otherwise maintained
          substantially in keeping with a first-class office building.

3.2  TENANT COVENANTS.  The Tenant covenants with the Landlord:

     (a)  RENT.  To pay Base Rental and Additional Rent.

     (b)  PERMITTED USE.  To use the Leased Premises only for the purpose of
          any lawful business office and other legally permitted uses,
          subject to the provisions of this Lease, and not to use or permit
          to be used the Leased Premises or any part thereof for any other
          purpose or business. However, the Leased Premises shall only be
          used by any assignee or sublessee for business office purposes.

     (c)  WASTE AND NUISANCE.  Not to commit or permit any waste, damage or
          injury to the Leased Premises including the Leasehold Improvements
          and trade fixtures therein, reasonable wear and tear excluded, any
          overloading of the floors thereof, any nuisance therein or any use
          or manner of use causing unreasonable annoyance to other tenants
          and occupants of the Building.

     (d)  CONDITION.  Not to permit the Leased Premises to become hazardous
          or permit unreasonable quantities of waste or refuse to accumulate
          therein and at the end of each business day to leave the Leased
          Premises in a condition such as to reasonably facilitate the
          performance of the Landlord's janitor and cleaning services
          referred to herein.

     (e)  BY-LAWS.  To comply at its own expense with all municipal, federal,
          provincial, sanitary, fire, building and safety statutes, laws,
          by-laws, regulations, ordinances, orders or regulations pertaining
          to the operation and use of the Leased Premises, the condition of
          the Leasehold Improvements, trade fixtures, furniture and equipment
          installed by the Tenant therein and the making by the Tenant of any
          repairs, changes or improvements therein.

     (f)  FIRE EXIT DOORS.  To permit the installation by the Landlord of all
          doors in the exterior wall of the Leased Premises necessary to
          comply with the requirements of any statute, law, by-law,
          regulation, ordinance, order or regulation.

     (g)  RULES AND REGULATIONS.  To observe and to cause its employees,
          invitees and others over whom the Tenant can reasonably be expected
          to exercise control, the Rules and Regulations and such further and
          other reasonable rules and regulations and amendments and changes
          therein as may hereafter be made by the Landlord and notified to
          the Tenant, provided that any such new rules or amendments are not
          inconsistent with the provisions of this Lease.

     (h)  OVERHOLDING.  That in the event that the Tenant remains in
          possession of the Leased Premises after the termination of the
          original Term hereby created, without other special agreement, it
          shall be at the monthly Base Rental equal to the Base Rental and
          Additional Rent payable during the last month of the Term hereof,
          times two, payable on the first day of each and every month and
          subject in other respects to the terms of this Lease, including
          those provisions requiring the payment of Base Rental and
          Additional Rent in monthly installments.

<PAGE>
                                                                               7

3.3  SIGNS AND DIRECTORY.  The Tenant covenants not to permit, paint,
     display, inscribe, place or affix any sign, symbol, notice or lettering
     of any kind anywhere outside the Leased Premises (whether on the outside
     or inside of the Building) or within the Leased Premises so as to be
     visible from the outside of the Leased Premises, with the exception only
     of an identification sign at or near the entrance to the Leased Premises
     and a directory listing in the main lobby of the Building, in each case
     containing only the name of the Tenant and to be subject to the approval
     of the Landlord as to size, location, content and design criteria as
     established by the Landlord. Such identification sign and directory
     listing shall be installed by the Landlord at the expense of the Tenant,
     which expense shall be the invoice cost plus 15% for an administration
     fee. The Landlord's acceptance of any name for listing upon the
     directory will not be deemed, nor will it substitute for the Landlord's
     consent if required by this Lease to any sublease, assignment or other
     occupancy of the Leased Premises.

3.4  INSPECTION AND ACCESS.  The Landlord shall be permitted to enter and to
     have its authorized agents, employees and contractors enter the Leased
     Premises, for the purpose of inspection, window cleaning, maintenance,
     providing janitor service, making repairs, alterations or improvements
     to the Leased Premises or the Building, or to have access to utilities
     and services and access panels which the Tenant agrees not to obstruct,
     or to determine the electric light and power consumption by the Tenant
     in the Leased Premises and the Tenant shall provide free and unhampered
     access for such purposes and shall not be entitled to compensation for
     any inconvenience, nuisance, discomfort or loss caused thereby, but the
     Landlord, in exercising its rights hereunder, shall proceed to the
     extent reasonably possible so as to minimize interference with the
     Tenant's use and enjoyment of the Leased Premises.

3.5  EXHIBITING PREMISES.  The Landlord and its authorized agents and
     employees shall be permitted entry to the Leased Premises during the
     last six (6) months of the term for the purpose of exhibiting them to
     prospective tenants or at any time upon reasonable notice for the
     purposes of arranging financing for the Building.

3.6  LANDLORD'S CONTROL.  The Tenant acknowledges that the Common Area
     Facilities are at all times subject to the exclusive control and
     operation of the Landlord, and the Landlord shall have the right to
     construct improvements, alterations and additions thereto and to
     relocate the various facilities thereon.

3.7  FINANCIAL STATEMENTS.  The Tenant will supply financial statements to
     the Landlord upon request if, as and when the Tenant has its securities
     traded on a recognized stock exchange and such information is public.

ARTICLE 4.00 - REPAIR AND DAMAGE

4.1  TENANT'S REPAIRS.  The Tenant covenants with the Landlord:

     (a)  to keep in good and reasonable state of repair and consistent with
          the general standards of first-class office buildings in
          Metropolitan Toronto, to perform all repairs and replacements as a
          prudent tenant would do (reasonable wear and tear excepted) to the
          Leased Premises including all Leasehold Improvements and all trade
          fixtures therein and all glass therein;

     (b)  that the Landlord may (upon reasonable notice) enter and view the
          state of repair from time to time and that the Tenant will repair
          if required to do so pursuant to the terms of this Lease, according
          to notice in writing and that the Tenant will leave the Leased
          Premises in a good and reasonable state of repair; and

     (c)  that if any part of the Building other than the Leased Premises
          becomes out of repair, damaged or destroyed through the negligence
          or misuse of the Tenant or its employees, invitees or others over
          whom the Tenant can reasonably be expected to exercise control, the
          expense of repairs or replacements thereto necessitated thereby
          shall be the responsibility of the Tenant.

4.2  ABATEMENT AND TERMINATION.  It is agreed between the Landlord and the
     Tenant that:

     (a)  In the event of damage to the Leased Premises or to the Building
          affecting access or services essential to the conduct of business
          in the Leased

<PAGE>
                                                                               8

          Premises and if the damage is such that the Leased Premises or any
          substantial part thereof is rendered not reasonably capable of use
          and occupancy by the Tenant for the purposes of its business for
          any period of time in excess of 10 days, then

          (i)  unless the damage was caused by the misuse, fault, negligence
               of the Tenant or its employees, invitees or others under its
               control, from and after the date of occurrence of the damage
               and until the Leased Premises are again reasonably capable of
               use and occupancy as aforesaid, Base Rental (but not any other
               payments required to be made by the Tenant hereunder) shall
               abate from time to time in pro-portion to the part or parts of
               the Leased Premises not reasonably capable of such use and
               occupancy, and

         (ii)  unless this Lease is terminated as hereinafter provided, the
               Landlord or the Tenant as the case may be (according to the
               nature of the damage and their respective obligations to
               repair as provided herein, it being understood that the Tenant
               shall have the obligation to repair and replace all Leasehold
               Improvements and all Tenant's trade fixtures) shall repair
               such damage with all reasonable diligence, but to the extent
               that any part of the Leased Premises is not reasonably capable
               of such use and occupancy by reason of damage which the Tenant
               is obligated to repair hereunder, any abatement of Rent to
               which the Tenant is otherwise entitled hereunder shall not
               extend later than the time by which repairs by the Tenant
               ought to have been completed with reasonable diligence; and

     (b)  if either the entire or substantially all of the Leased Premises,
          or premises whether of the Tenant or other tenants of the Building
          comprising in the aggregate 50% or more of the Rentable Area of the
          Building are substantially damaged or destroyed by any cause to
          such an extent in the reasonable opinion of the Landlord cannot be
          repaired or rebuilt within 180 days after the occurrence of the
          damage or destruction, the Landlord or the Tenant may at its
          option, exercisable by written notice to the other given within 30
          days after the occurrence of such damage or destruction terminate
          this Lease in which event neither the Landlord nor the Tenant shall
          be bound to repair as provided herein and the Tenant shall instead
          deliver up possession of the Leased Premises to the Landlord with
          reasonable expedition but in any event within 60 days after
          delivery of such notice of termination and rent shall be
          apportioned and paid to the date upon which possession is so
          delivered up (but, subject to any abatement to which the Tenant may
          be entitled under paragraph (a) of this clause 4.2 by reason of the
          Leased Premises having been rendered in whole or in part not
          reasonably capable of use and occupancy), but otherwise the
          Landlord or the Tenant as the case may be (according to the nature
          of the damage and their respective obligations to repair described
          in 4.2 (a) (ii)) shall repair such damage with reasonable diligence.

ARTICLE 5.00 - TAXES AND OPERATING COSTS

5.1  NET NET LEASE.  The Tenant acknowledges and agrees that it is intended
     that this Lease is a completely carefree net net lease to the Landlord,
     except as expressly herein set out, that the Landlord is not responsible
     during the Term for any costs, charges, expenses and outlays of any
     nature whatsoever arising from or relating to the Leased Premises, or
     the use and occupancy thereof, or the contents thereof or the business
     carried on therein, except as expressly set out herein, and the Tenant
     shall pay all charges, impositions, costs and expenses of every nature
     and kind relating to the Leased Premises.

5.2  LANDLORD'S TAX OBLIGATIONS.  The Landlord covenants with the Tenant,
     subject to the provisions herein, to pay all Taxes promptly when due to
     the taxing authority or authorities having jurisdiction.

     The parties acknowledge that separate unit assessments are being
     eliminated by the Ontario Provincial Government and as a result thereof,
     properties will be assessed as a whole. In determining the Proportionate
     Share of taxes payable by the Tenant, the Landlord shall be entitled to
     make such allocation or allocations as it deems appropriate and
     equitable having regard to the principles of property assessment in
     force from time to time.
<PAGE>
                                                                               9

5.3  TENANT'S TAX OBLIGATIONS.  The Tenant covenants with the Landlord:

     (a)  to pay promptly when due to the taxing authority or authorities
          having jurisdiction all taxes, rates, duties, levies and
          assessments whatsoever, whether municipal, parliamentary or
          otherwise, levied, imposed or assessed in respect of any and every
          business carried on by the Tenant, subtenants, licensees, or other
          occupants of the Leased Premises or in respect of the use or
          occupancy thereof (including licence fees);

     (b)  to pay promptly to the Landlord when demanded or otherwise due
          hereunder:

          (i)   all Taxes charged in respect of all Leasehold Improvements
                and trade fixtures and all furniture and equipment made,
                owned or installed by or on behalf of the Tenant in the
                Leased Premises as Additional Rent;

          (ii)  if by reason of the act, election or religion of the Tenant
                or any subtenant, licensee or occupant of the Leased
                Premises, the Leased Premises or any part of them shall be
                assessed for the support of Separate Schools, the amount by
                which the Taxes so payable exceed those which would have been
                payable if the Leased Premises had been assessed for the
                support of Public Schools; and

          (iii) the Tenant's Proportionate Share of Taxes as Additional Rent
                in the manner stipulated herein; and

     (c)  notwithstanding any other provisions of this Lease to the contrary,
          the Tenant shall pay to the Landlord, at such times and in such
          manner as the Landlord may direct, without duplication, an amount
          equal to all goods and service taxes, sales taxes, value-added
          taxes or any other taxes imposed with respect to Base Rental,
          Additional Rent or other amounts payable by the Tenant to the
          Landlord under this Lease, howsoever such taxes are characterized.
          The amount payable by the Tenant hereunder shall not be deemed to
          be Base Rental or Additional Rent but the Landlord shall have all
          of the same rights and remedies for recovery of same as it has for
          recovery of Base Rental and Additional Rent hereunder.

     Whenever requested by the Landlord the Tenant will deliver to it
     receipts for payment of all taxes, rates, duties, levies and assessments
     payable by the Tenant hereof and furnish such other information in
     connection therewith as the Landlord may reasonably require.

5.4  METHOD OF PAYMENT OF TAXES.  The Tax payments required to be made by the
     Tenant to the Landlord under the provisions of 5.3 (ii) herein shall be
     estimated by the Landlord, and the Tenant shall pay to the Landlord in
     addition to the monthly payments of Base Rental hereinbefore reserved,
     one-ninth of the estimated annual tax payments in the months of January
     to September, both inclusive, in each calendar year with an adjustment
     being made when the property tax bill respecting the Building is
     received by the Landlord for each year. The Tenant shall within sixty
     (60) days of being invoiced pay to the Landlord such additional sums as
     may be required in order that out of such monthly additional payments,
     the Landlord may pay the whole amount of the annual taxes as the
     installments thereof fall due; and if the monthly additional payments so
     paid by the Tenant to the Landlord exceed in total the Tenant's
     Proportionate Share of the annual property tax bill with respect to the
     Building and Lands of which the Leased Premises form part, then the
     excess shall be adjusted by the Landlord in favour of the Tenant by
     applying such excess on account of the next ensuing rental payments due
     (following the issue of the yearly statement) and such next ensuing
     rental payments shall be reduced by such excess accordingly. The
     Landlord shall forward to the Tenant copies of all notices or tax bills
     relating to the imposition of property taxes or other charges required
     hereunder to be paid as to part or all thereof by the Tenant. In the
     event that the Landlord is unable to obtain or determine a separate
     allocation of taxes payable by the Tenant under this Lease, the Landlord
     shall have the right to make an allocation, but shall be obligated to
     act reasonably and not arbitrarily.

5.5  OPERATING COSTS.  During the Term of this Lease, the Tenant shall pay to
     the Landlord its Proportionate Share of Operating Costs. Prior to the

<PAGE>
                                                                              10

     commencement of the Term of this Lease and the commencement of each
     fiscal period selected by the Landlord thereafter which commences during
     the Term the Landlord shall estimate the amount of Operating Costs and
     the Tenant's Proportionate Share thereof for the ensuing fiscal period
     or (if applicable) broken portion thereof, as the case may be, and
     notify the Tenant in writing of such estimate. The amount so estimated
     shall be payable in equal monthly installments in advance over the
     fiscal period or broken portion thereof in question, each such
     instalment being payable on each monthly rental payment date provided in
     clause 2.3. The Landlord may from time to time alter the fiscal period
     selected, in which case, and in the case where only a broken portion of
     a fiscal period is included with the Term, the appropriate adjustment in
     monthly payments shall be made. From time to time during a fiscal period
     the Landlord may re-estimate the amount of Operating Costs and the
     Tenant's Proportionate Share thereof, in which event the Landlord shall
     notify the Tenant in writing of such re-estimate and fixed monthly
     installments for the then remaining balance of such fiscal period or
     broken portion thereof such that, after giving credit for installments
     paid by the Tenant on the basis of the previous estimate or estimates,
     the Tenant's entire Proportionate Share of Operating Costs will have
     been paid during such fiscal period or broken period thereof. As soon as
     practicable after the expiration of each fiscal period the Landlord
     shall make a final determination of Operating Costs and the Tenant's
     Proportionate Share thereof for such fiscal period or (if applicable)
     broken portion thereof and shall provide a statement to the Tenant and
     the parties shall make the appropriate readjustment. Each 12 month
     period ending December 31st shall be deemed to be an accounting year for
     adjusting the said Operating Costs and within 120 days after the end of
     each such accounting year, the Landlord shall compute the said costs for
     such accounting year and the Proportionate Share of the Tenant therefor
     and shall submit to the Tenant a statement to reflect the Operating
     Costs specifically permitted under this Lease, and the said
     Proportionate Share thereof shall be borne by the Tenant. To the extent
     that the Tenant's Proportionate Share of such costs for such accounting
     year shall be greater than the total amount actually paid by the Tenant
     by said monthly payments in respect of such year the difference shall be
     paid by the Tenant to the Landlord within thirty (30) days after receipt
     by the Tenant of such statement. Any excess payments shall be applied by
     reducing the next ensuing rental payment(s) by the amount of such
     excess. The said accounting period may be modified by the Landlord if
     reasonably necessary. The Tenant may not claim a readjustment in respect
     to the Tenant's Proportionate Share of Operating Costs based upon any
     error of assessment, determination or calculation thereof unless claimed
     in writing prior to the expiration of three (3) years after the fiscal
     period to which the Operating Costs relate.

5.6  PAYMENT OF ADDITIONAL RENT.  Any Additional Rent provided for under this
     Lease unless otherwise provided herein, shall become due with each
     instalment of monthly Base Rental.

ARTICLE 6.00 - UTILITIES AND ADDITIONAL SERVICES

6.1  WATER AND TELEPHONE.  The Landlord shall furnish appropriate openings
     for bringing telephone services to the Leased Premises and shall provide
     hot and cold water to washrooms in the Leased Premises and to washrooms
     available for the Tenant's use in common with others entitled thereto.

6.2  ELECTRICITY.  The Tenant shall pay throughout the Term promptly to the
     Landlord (unless paid directly to Hydro authorities pursuant to separate
     billing) as Additional Rent when demanded:

     (a)  the cost of electric light and power supplied to the Leased
          Premises monthly based on the electric light and power requirements
          of the Tenant on a pro rata basis as determined from time to time
          during the Term by the Landlord acting reasonably; and

     (b)  the cost of cleaning, maintaining and servicing in all respects all
          electric lighting fixtures in the Leased Premises including the
          cost of replacement of electric light bulbs, tubes, starters and
          ballasts used to replace those installed at the commencement of the
          Term. Such cleaning, maintaining, servicing and replacement shall
          be within the exclusive right of the Landlord. It is understood and
          agreed that the costs described in this sub-section (ii) shall be
          charged to the Tenant as an Additional Service payable upon receipt
          of invoice from the Landlord.

6.3  ADDITIONAL SERVICES.  The Landlord, if it shall from time to time so
     elect, shall

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                                                                              11

     have the exclusive right, by way of Additional Services, to provide or
     have its designated agents or contractors provide any janitor or
     cleaning service to the Leased Premises and Common Area Facilities
     required by the Tenant which are additional to those required to be
     provided by the Landlord hereunder, including the Additional Services
     which the Landlord agrees to provide by arrangement, and to supervise
     the moving of furniture or equipment of the Tenant in and out of the
     Building where such moving of furniture or equipment would be disruptive
     to the normal business of the Building, and the making of repairs or
     alterations conducted within the Leased Premises affecting Base
     Building, building systems or Leasehold Improvements. The reasonable
     cost of Additional Services provided to the Tenant, whether the Landlord
     shall be obligated hereunder or shall elect to provide them as
     Additional Services, shall be paid to the Landlord by the Tenant from
     time to time within thirty (30) days following receipt of invoices
     therefor from the Landlord. Costs of Additional Services charged
     directly to the Tenant and other tenants shall be credited in computing
     Operating Costs.

ARTICLE 7.00 - ASSIGNING AND SUBLETTING

7.1  ASSIGNMENTS AND SUBLETTINGS.  The Tenant covenants with the Landlord
     that it will not assign, sublet, licence or part with the possession of
     the Leased Premises or any part thereof, or share the occupation of the
     Leased Premises, or any part thereof, without the consent of the
     Landlord in writing first had and obtained such consent not to be
     unreasonably or arbitrarily withheld or delayed. Provided that as a
     condition of the granting of its consent, the Landlord may require any
     assignee, subtenant, licensee or occupant of the Leased Premises to
     execute an agreement whereby he, it or they attorn to and become the
     tenants of the Landlord as if he, it or they had executed this Lease,
     or, except in the case of an absolute assignment of this Lease, to
     execute an acknowledgement that all the sublessee's or undertenant's
     estate, right and interest in and to the Leased Premises absolutely
     terminates upon the surrender, release, disclaimer or merger of this
     Lease notwithstanding the provisions of the Commercial Tenancies Act of
     Ontario, Chapter L-7 and amendments thereof with specific reference to
     Paragraphs 21 and 39 (2) thereof, or other similar statute. The Tenant
     shall furnish to the Landlord copies of any assignment, sublease,
     licence or other agreement herein contemplated. Notwithstanding any
     other provision in this section, no assignment, subletting, licensing or
     parting with possession of the Leased Premises shall in any way release
     or be deemed to release the Tenant (or any guarantor hereof) from their
     obligations under the terms of this Lease. Provided further that the
     proposed assignee, subtenant, licensee or occupant of the Leased
     Premises shall be required to provide financial statements or other
     financial information as the Landlord may require. It is agreed that the
     Landlord may consider in determining whether to grant consent among
     other matters, the following: the personal and business history of the
     proposed assignee, occupant, sublessee and its key employees. The Tenant
     agrees to pay the reasonable legal fees of the Landlord's solicitor
     relating to the preparation of the Landlord's consent, and determination
     as to whether to give the consent.

     In the event of any subletting by the Tenant by virtue of which the
     Tenant receives rent in the form of cash, goods, services or other
     considerations from the subtenant which is higher than the rent payable
     hereunder to the Landlord for the premises so sublet, the Tenant shall
     pay any such excess to the Landlord, in addition to all rent and other
     costs payable hereunder, for the period of time during which the said
     subtenant remains in possession of the premises sublet to it.

     If the Tenant herein shall receive from any assignee of this Lease,
     either directly or indirectly, any consideration for the assignment of
     this Lease, either in the form of cash, goods or services, the Tenant
     shall forthwith pay an amount equivalent to such consideration to the
     Landlord and same shall be deemed to be further Additional Rent
     hereunder.

     In the event the Tenant intends to sublet or assign the Leased Premises,
     it shall not advertise the rental, if the proposed rental is less than
     Base Rental payable hereunder.

     In calculating whether there is any additional consideration payable by
     an assignee or sublessee as hereinbefore provided, no deduction shall be
     made for any commission payable to any agent or other party.

     If the Landlord has granted to the Tenant, named on page 1 of this
     Lease, any

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                                                                              12

     first rights of refusal, exclusive rights or options to lease additional
     space or to purchase, it is agreed and understood that upon the Tenant
     assigning, subletting, licensing or parting with possession of the
     Leased Premises or any part thereof, the aforesaid rights referred to
     shall automatically become null and void.

ARTICLE 8.00 - FIXTURES AND IMPROVEMENTS

8.1  INSTALLATION OF FIXTURES AND IMPROVEMENTS.  The Tenant shall not make,
     erect, install or alter any Leasehold Improvements in the Leased
     Premises without having requested and obtained the Landlord's prior
     written approval which the Landlord shall not unreasonably delay or
     withhold. In making, erecting, installing or altering any Leasehold
     Improvements the Tenant will not alter or interfere with any
     installations which have been made by the Landlord without the prior
     written approval of the Landlord and in no event shall it alter or
     interfere with window coverings (if any) installed by the Landlord on
     exterior windows. The Tenant's request for any approval hereunder shall
     be in writing and accompanied by an adequate description of the
     contemplated work and, where appropriate, working drawings and
     specifications thereof. All work to be performed in the Leased Premises
     shall be performed by reputable contractors approved by the Landlord.
     The Landlord reserves the right to require the Tenant to utilize the
     contractor(s) of the Landlord where Base Building, building systems
     and/or warranties may be affected provided the Landlord agrees that
     charges by such contractors shall be in keeping with that which an arms
     length contractor would charge. The cost of all such work shall be
     estimated by the Landlord in advance and such estimate approved by the
     Tenant prior to work commencing. All such work shall be performed at the
     Tenant's expense and the Tenant shall be responsible for application and
     payment of all fees in connection with any permits required. All such
     work shall be subject to inspection by and the reasonable supervision of
     the Landlord, as an Additional Service, and shall be performed in
     accordance with any reasonable conditions or regulations imposed by the
     Landlord and completed in a good and workmanlike manner in accordance
     with the description of the work approved by the Landlord. The Landlord
     shall be entitled to supervise the work and charge the Tenant a
     supervision fee. The Landlord shall also be entitled to charge
     reasonable fees for examining plans respecting the proposed work. The
     Tenant shall be obligated to pay any reasonable consultant's fees
     incurred by the Landlord for review and approval of plans for
     construction of any nature after the Commencement Date as Additional
     Rent. The Tenant shall be entitled to install an internal stairwell
     between floors, subject to the Landlord's approval as contained herein
     and the required restoration of same to its original condition.

8.2  LIENS AND ENCUMBRANCES ON FIXTURES AND IMPROVEMENTS.  In connection with
     the making, erection, installation or alteration of Leasehold
     Improvements and all other work or installations made by or for the
     Tenant in the Leased Premises the Tenant shall comply with all the
     provisions of the Construction Lien Act (Ontario) and other statutes
     from time to time applicable thereto and shall promptly pay all accounts
     relating thereto. The Tenant will not create or cause to be created any
     mortgage, conditional sale agreement or other encumbrance in respect of
     its Leasehold Improvements or permit any such mortgage, conditional sale
     agreement or other encumbrance to attach to the Leased Premises or to
     the Building and Common Area Facilities. If and whenever any
     construction or other lien for work, labour, services or materials
     supplied to or for the Tenant for the cost of which the Tenant may be in
     any way liable or claims therefor shall arise or be filed or any such
     mortgage, conditional sales agreement or other encumbrance shall attach,
     the Tenant shall within ten (10) days after receipt of notice thereof
     procure the discharge thereof, including any certificate of action
     registered in respect of any lien, by payment or giving security or in
     such other manner as may be required or permitted by law failing which
     the Landlord may in addition to all other remedies hereunder avail
     itself of its remedy hereunder and may make any payments required to
     procure the discharge of any such liens or encumbrances and shall be
     entitled to be reimbursed by the Tenant as provided herein and its right
     to reimbursement shall not be affected or impaired if the Tenant shall
     then or subsequently establish or claim that any lien or encumbrance so
     discharged was without merit or excessive or subject to any abatement,
     set-off or defence.

8.3  REMOVAL OF FIXTURES AND IMPROVEMENTS.  All Leasehold Improvements in or
     upon the Leased Premises shall immediately upon the expiry of the Term
     or earlier termination of this Lease, be and become the Landlord's
     property without compensation therefor to the Tenant. Except to the
     extent otherwise expressly agreed by the Landlord in writing no
     Leasehold Improvements, trade fixtures,

<PAGE>
                                                                              13

     furniture or equipment shall be removed by the Tenant from the Leased
     Premises either during or at the expiration or earlier termination of
     the Term except that (1) the Tenant shall at the end of the Term remove
     its trade fixtures, (2) the Tenant shall remove its furniture and
     equipment at the end of the Term and may remove its furniture and
     equipment during the Term in the usual and normal course of its business
     where such furniture or equipment has become excess for the Tenant's
     purposes or the Tenant is substituting therefor new furniture and
     equipment. The Tenant shall, in the case of every removal either during
     or at the end of the Term, make good any damage caused to the Leased
     Premises by the installation and removal.

8.4  OCCUPATIONAL HEALTH AND SAFETY.  The Tenant covenants and agrees that it
     will ensure that a comprehensive and rigorous health and safety program
     to protect workers in the Leased Premises is implemented to ensure that
     no accidents or injuries occur in connection with the performance of any
     Tenant's work. The Tenant will indemnify the Landlord in respect of all
     claims, infractions, prosecutions, alleged infractions, losses, costs
     and expenses and any fines or proceedings relating to fines or other
     offenses under all occupational health and safety and any similar
     legislation that might be brought, or imposed against or suffered by the
     Landlord or any of its officers, directors and employees in connection
     with the performance of any Tenant's work. Without limiting the
     obligations set out above in this Section 8.4, the Tenant will do at
     least the following:

     (a)  ensure that all obligations imposed by statute, law or regulation
          on "constructors" or other persons completing or co-ordinating any
          Tenant's work are diligently and properly completed;

     (b)  co-operate with the Landlord in having any Tenant's work designated
          as a separate project so that the Landlord does not incur any
          obligations as a constructor or obligations similar to those of a
          constructor at law or by regulation imposed in connection with the
          performance of any Tenant's work;

     (c)  comply with all directions that the Landlord may give to the Tenant
          in connection with the performance of any Tenant's work having
          regard to construction health and safety requirements; and

     (d)  provide to the Landlord whatever rights of access, inspection, and
          whatever information, documents and other matters the Landlord
          requires in order to ensure that the Tenant's obligations under
          this Section are complied with.

ARTICLE 9.00 - INSURANCE AND LIABILITY

9.1  LANDLORD'S INSURANCE.  The Tenant will during the whole of the Term
     hereby granted as part of Operating Costs, pay its Proportionate Share
     of all premiums with respect to insurance to be placed by the Landlord
     and described in this Section 9.1. The Landlord agrees to maintain
     during the Term, insurance coverages as follows:

     (a)  Property of Every Description (Building and Equipment) against the
          perils of "ALL-RISKS", under form providing coverage at least
          equivalent to Commercial Building Broad Form I.A.O. Form No. 700
          including "BUILDING BY-LAWS ENDORSEMENTS", and to be insured for
          the Replacement Value, without allowance for depreciation and
          Stated Amount, and with no co-insurance requirement;

     (b)  "RENTAL INCOME" for the gross annual rental income on "ALL-RISKS"
          basis, as provided under Commercial Building Broad Form I.A.O. Form
          700 including "BUILDING BY-LAWS ENDORSEMENTS", providing coverage
          at least equivalent to I.A.O. Profits Form No. 551 with an eighteen
          (18) month indemnity period;

     (c)  Broad Form Boiler and Machinery Policy on a blanket and replacement
          basis with limits for each accident in an amount not less than the
          replacement cost of the Building containing the Leased Premises and
          which shall cover all boilers, pressure vessels, air conditioning
          equipment and miscellaneous electrical apparatus owned by the
          Landlord and which shall include PCB coverage. It shall also
          include "RENTAL INCOME" for the full gross annual income equivalent
          to I.A.O. Profits Form No. 551 with a

<PAGE>
                                                                              14

          eighteen (18) month indemnity period. This policy should also
          provide "BUILDING BY-LAWS ENDORSEMENTS";

     (d)  "GENERAL LIABILITY INSURANCE" on a Comprehensive Form and on an
          "occurrence" basis without deductible with retroactive coverage
          against claims for Personal and Bodily Injury and Death and/or
          Property Damage occurring upon or about the Leased Premises and for
          a limit no less than $5,000,000.00 inclusive for one occurrence; and

     (e)  such other insurance coverage or coverages as a prudent owner of a
          first class office building would obtain for protection respecting
          loss of, or damage to the Building, the Lands or the Leased
          Premises, or liability arising therefrom.

     All such insurance coverages shall be kept and maintained by the
     Landlord, and in no event shall the coverage be less than the amount
     required by any institution then holding a mortgage on the Building and
     Common Area Facilities. The Tenant shall pay to the Landlord, as part of
     Operating Costs, its Proportionate Share of the Landlord's Insurance.
     The Tenant shall not do or permit to be done any act or thing whereby
     insurance coverage, premiums or any of them hereinbefore contemplated,
     may be increased or cancelled by the insurer, or the Leased Premises
     shall be rendered uninsurable, and if by reason of any act done or
     permitted or omission, as the case may be, by the Tenant, the said
     insurance coverage, premiums or any of them shall be increased, then the
     Tenant, if it shall fail to rectify the event giving rise to the
     increased premium after written notice thereof from the Landlord, shall
     be liable to pay all of such increase in premium, with respect to the
     entire coverages, and this notwithstanding that the Tenant occupies only
     a portion of the Building covered by such insurance coverages, and if
     the Leased Premises shall be rendered uninsurable, or if the said
     insurance coverages, or any of them, shall be cancelled by reason of any
     act or omission as the case may be by the Tenant and shall not be
     susceptible of being replaced, after the Landlord's reasonable efforts
     under the circumstances to do so, then the Landlord, after giving the
     Tenant at least fourteen (14) days written notice within which to
     replace insurance coverage or coverages shall, at its absolute
     discretion, have the right to determine that the term hereof has expired
     and in such event the Tenant shall deliver up possession of the Leased
     Premises as if the Term of this Lease had expired.

     PROVIDED that no act required to be done by the Tenant nor any payment
     required to be made by the Tenant, including reimbursements of insurance
     premiums paid by the Landlord, shall relieve the Tenant from any
     liability for damage incurred by the Landlord as result of any act or
     omission of the Tenant.

     If any other tenant of the Building has his own insurance premiums
     increased by his insurers as a result of the use or occupation by the
     Tenant herein of the within Leased Premises, the Tenant covenants and
     agrees with the Landlord after written notice thereof, to pay the
     additional cost forthwith upon demand as Additional Rent.

     The Landlord's insurance policy shall contain a waiver of subrogation in
     favour of the Tenant or those for whom the Tenant is in law responsible.

9.2  AGENTS.  The Tenant acknowledges, covenants and agrees that every right,
     exemption from liability, defence and immunity of whatsoever nature
     applicable to the Landlord or to which the Landlord is entitled
     hereunder shall also be available and shall extend to protect every such
     agent of the Landlord acting (in the course of or in connection with his
     employment or otherwise) and for the purposes of all of the foregoing
     provisions of this clause, the Landlord is or shall be deemed to be
     acting as agent or trustee on behalf of and for the benefit of persons
     who are or might be his servants, employees or agents from time to time.

9.3  TENANT'S INSURANCE.  The Tenant covenants to insure and to keep insured
     during the whole of the Term, with an insurance company or companies in
     good standing and upon terms and conditions all satisfactory to the
     Landlord:

     (a)  "ALL-RISKS" insurance upon all property owned by the Tenant or for
          which it is legally liable or installed or affixed by or on behalf
          of the Tenant and which is located in the Building including,
          without limitation, furniture, fittings, installations,
          alterations, additions, partitions and fixtures or anything in the
          nature of a Leasehold Improvement made or installed by or on behalf
          of the Tenant in an amount equal to the full replacement cost

<PAGE>
                                                                              15

          thereof; if there is a dispute as to the amount which comprises
          full replacement cost the decision of the Landlord's Architect
          shall be conclusive;

     (b)  all parties hereto on a Comprehensive Form for bodily injury and
          property damage, general liability coverage arising out of the use,
          maintenance or repair of the Leased Premises and/or the business of
          the Tenant or any sub-tenant, licensees or occupiers of the Leased
          Premises; such insurance shall be for a limit of not less than
          $2,000,000.00 inclusive for any one occurrence, or such higher
          limits as the Landlord, acting reasonably, or any mortgagee
          requires from time to time, and shall contain a severability of
          interest clause, and a cross liability clause;

     (c)  glass coverage for the replacement of all glass broken, cracked or
          damaged in, on and about the Leased Premises or the Tenant may be a
          self-insurer in lieu of carrying such insurance; and

     (d)  any other form of insurance that the Landlord or any mortgagee may
          reasonably require, from time to time in form, amounts and for
          insurance risks acceptable to the Landlord and any mortgagee.

     The Tenant covenants and agrees to provide the Landlord with evidence of
     insurance as required under this provision. Such evidence shall be by
     way of a certified copy of the policy if available in timely fashion or
     failing which a certificate of insurance at such time or times as the
     Landlord may require. The Tenant agrees to provide same to the Landlord
     forthwith after notice has been given by the Landlord to the Tenant of
     its request. The Tenant's policy shall contain a waiver of subrogation
     in favour of the Landlord and those for whom the Landlord is in law
     responsible.

9.4  LIMITATION OF LANDLORD'S LIABILITY.  The Tenant agrees that:

     (a)  except if caused by the negligence of the Landlord or those for
          whom the Landlord is in law responsible, the Landlord shall not be
          liable for any bodily injury or death of, or loss or damage to any
          property belonging to the Tenant or its employees, invitees, or
          licensees or any other person in, on or about the Building and
          Common Area Facilities howsoever occurring and in no event shall
          the Landlord be liable for:

          (i)   any damage which is caused by steam, water, rain or snow which
                may leak into, issue or flow from any part of the Building or
                Common Area Facilities or from the pipes or plumbing works
                thereof or from any other place or quarter or for any damage
                caused by or attributable to the condition or arrangement of
                any electric or other wiring or for any damage caused by
                anything done or omitted by any other tenant;

          (ii)  any act or omission (including theft, malfeasance or
                negligence) on the part of any agent, contractor or person
                from time to time employed by it to perform janitor services,
                security services, maintenance, supervision or any other work
                in or about the Leased Premises or the Building or Common
                Area Facilities; and

          (iii) loss or damage, however caused, to money, securities,
                negotiable instruments, papers or other valuables of the
                Tenant; and

     (b)  the Landlord shall have no responsibility or liability for the
          failure to supply interior climate control or elevator service when
          prevented from doing so by strikes, the necessity of repairs, any
          order or regulation of any body have jurisdiction, the failure of
          the supply of any utility required for the operation thereof or any
          other cause beyond the Landlord's reasonable control, and shall not
          be held responsible for any bodily injury, death or damage to
          property arising from the use of, or any happening in or about, any
          elevator.

9.5  INDEMNITY OF LANDLORD.  The Tenant agrees to indemnify and save harmless
     the Landlord in respect of all claims for bodily injury or death,
     property damage or other loss or damage arising from the conduct of any
     work by or any act or omission of the Tenant or any assignee, subtenant,
     agent, employee, contractor, invitee or licensee of the Tenant, and in
     respect of all costs, expenses and liabilities incurred by the Landlord
     in connection with or arising out of all such claims, including the
     expenses of any action or proceeding pertaining thereto, and in respect
     of any loss, cost, expense or damage suffered or incurred by the

<PAGE>
                                                                              16

     Landlord arising from any breach by the Tenant of any of its covenants
     and obligations under this Lease.

ARTICLE 10.00 - SUBORDINATION, ATTORNMENT AND CERTIFICATES

10.1 SUBORDINATION AND ATTORNMENT.  The Tenant agrees that this Lease and all
     the rights of the Tenant hereunder are subject and subordinate to all
     mortgages now or hereafter existing (including deeds of trust and all
     instruments supplemental thereto) which may now or hereafter affect the
     Building or Common Area Facilities and to all renewals, modifications,
     consolidations, replacements and extensions thereof, provided that the
     Tenant whenever requested by any mortgagee (including any trustee under
     a deed of trust and mortgage) shall attorn to such mortgagee as the
     Tenant upon all the terms of this Lease. Subject to the foregoing, the
     Tenant agrees to execute promptly whenever requested by the Landlord or
     by such mortgagee such instrument of subordination or attornment, as the
     case may be, as may be required of it. The Landlord will make reasonable
     efforts to obtain a non-disturbance agreement from any lenders on their
     standard terms or other parties registering interests on title ahead of
     the Tenant and shall permit the Tenant to register a Notice of Lease on
     title, in a form acceptable to the Landlord and provided it does not
     disclose any financial terms of the Lease.

10.2 CERTIFICATES.  The Tenant shall promptly whenever requested by the
     Landlord from time to time execute and deliver to the Landlord (and if
     required by the Landlord, to any mortgagee
     [including any trustee under a deed of trust and mortgage] designated by
     the Landlord) a certificate in writing as to the then status of this
     Lease, including as to whether it is in full force and effect, is
     modified or unmodified, confirming the rent payable hereunder and the
     state of the accounts between the Landlord and Tenant, the existence or
     non-existence of defaults, and any other matters pertaining to this
     Lease as to which the Landlord shall request a certificate.

ARTICLE 11.00 - EVENTS OF DEFAULT AND REMEDIES

11.1 EVENTS OF DEFAULT AND REMEDIES.  In the event of the happening of any
     one of the following events (hereinafter referred to as a "DEFAULT"):

     (a)  the Tenant shall have failed to pay an instalment of Base Rental or
          of Additional Rent or any other amount payable hereunder within 5
          days following when due. No notice shall be required in the event
          of a monetary Default;

     (b)  there shall be a default of or with any condition, covenant,
          agreement or other obligation on the part of the Tenant to be kept,
          observed or performed hereunder (other than the obligation to pay
          Base Rental, Additional Rent or any other amount of money) and such
          Default shall be continuing for a period of more than fifteen (15)
          days after written notice by the Landlord to the Tenant specifying
          the Default and requiring that it discontinue;

     (c)  if any policy of insurance upon the Building or any part thereof
          from time to time affected by the Landlord shall be cancelled or
          about to be cancelled by the insurer by reason of the use or
          occupation of the Leased Premises by the Tenant or any assignee,
          sub-tenant or licensee of the Tenant or anyone permitted by the
          Tenant to be upon the Leased Premises and the Tenant, after receipt
          of notice in writing from the Landlord, shall have failed to take
          such immediate steps in respect of such use or occupation as shall
          enable the Landlord to reinstate or avoid cancellation (as the case
          may be) of such policy of insurance;

     (d)  the Leased Premises shall, without the prior written consent of the
          Landlord, be used by any other persons than the Tenant or its
          permitted assigns or sub-tenants or for any purpose other than that
          for which they were leased or occupied or by any persons whose
          occupancy is prohibited by this Lease;

     (e)  the Leased Premises shall be vacated or abandoned, or remain
          unoccupied, without the prior written consent of the Landlord for
          fourteen (14) consecutive days or more while capable of being
          occupied;

     (f)  the balance of the Term of this Lease or any of the goods and
          chattels of

<PAGE>
                                                                            17

          the Tenant located in the Leased Premises, shall at any time be
          seized in execution or attachment; or

     (g)  the Tenant shall make any assignment for the benefit of creditors
          or become bankrupt or insolvent or take the benefit of any statute
          for bankrupt or insolvent debtors or, if a corporation, shall take
          any steps or suffer any order to be made for its winding-up or
          other termination of its corporate existence; or a trustee,
          receiver or receiver-manager or agent or other like person shall be
          appointed of any of the assets of the Tenant;

     the Landlord shall have the following rights and remedies all of which
     are cumulative and not alternative and not to the exclusion of any other
     or additional rights and remedies in law or equity available to the
     Landlord by statute or otherwise:

     (a)  to remedy or attempt to remedy any Default of the Tenant, and in so
          doing to make any payments due or alleged to be due by the Tenant
          to third parties and to enter upon the Leased Premises to do any
          work or other things therein, and in such event all reasonable
          expenses of the Landlord in remedying or attempting to remedy such
          Default shall be payable by the Tenant to the Landlord on demand;

     (b)  with respect to unpaid overdue Rent, to the payment by the Tenant
          of the Rent and of interest (which said interest shall be deemed
          included herein in the term "RENT") thereon at a rate equal to
          three percent (3%) above the prime commercial loan rate charged to
          borrowers having the highest credit rating from time to time by the
          Landlord's principal bank from the date upon which the same was due
          until actual payment thereof and the maximum amount allowed under
          the laws of the jurisdiction in which the Building is located;

     (c)  to terminate this Lease forthwith by leaving upon the Leased
          Premises or by affixing to an entrance door to the Leased Premises
          notice terminating the Lease and to immediately thereafter cease to
          furnish any services hereunder and enter into and upon the Leased
          Premises or any part thereof in the name of the whole and the same
          to have again, repossess and enjoy as of its former estate,
          anything in this Lease contained to the contrary notwithstanding;
          and

     (d)  to enter the Leased Premises as agent of the Tenant and as such
          agent to re-let them and to receive the rent therefor and as the
          agent of the Tenant to take possession of any furniture or other
          property thereon and upon giving ten (10) days' written notice to
          the Tenant to store the same at the expense and risk of the Tenant
          or to sell or otherwise dispose of the same at public or private
          sale without further notice and to apply the proceeds thereof and
          any rent derived from re-letting the Leased Premises upon the
          account of the Rent due and to become due under this Lease and the
          Tenant shall be liable to the Landlord for the deficiency if any.

11.2 PAYMENT OF RENT, ETC. ON TERMINATION.

     (a)  Upon the giving by the Landlord of a notice in writing terminating
          this Lease under sub-paragraph 11.1 (iii) of this paragraph, this
          Lease and the term shall terminate, Rent and any other payments for
          which the Tenant is liable under this Lease shall be computed,
          apportioned and paid in full to the date of such termination
          forthwith, and there shall immediately become due and payable
          forthwith in one lump sum, the next immediately ensuing three (3)
          months' Rent (calculated as if full Base Rental and Additional Rent
          are owing and not giving credit for any scheduled free Rent
          period). Upon termination of this Lease and the Term, the Tenant
          shall immediately deliver up possession of the Leased Premises to
          the Landlord, without compensation to the Tenant, and the Landlord
          may forthwith re-enter and take possession of them.

     (b)  The Tenant shall pay to the Landlord on demand all costs and
          expenses, including lawyers' fees and disbursements incurred by the
          Landlord in enforcing any of the obligations of the Tenant under
          this Lease.

     (c)  The Tenant shall pay to the Landlord, for any monetary Default,
          interest at a fixed rate per annum equal to the most favourable
          rate which the Landlord's principal bank will lend money on prime
          loans to commercial customers at the date when interest commences
          to run plus three percent

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                                                                            18

          (3%) per annum. Such interest shall run from the due date of such
          sum without the necessity of a demand until payment and shall be
          compounded semi-annually.

11.3 RENUNCIATION.  The Tenant waives and renounces the benefit of any
     present or future statute taking away or limiting the Landlord's right
     of distress.

ARTICLE 12.00 - MISCELLANEOUS

12.1 REGISTRATION.  The Tenant agrees with the Landlord not to register this
     Lease, but nevertheless if the Tenant desires to register a notice of
     this Lease, the Landlord agrees to execute a notice or acknowledgement,
     if required, sufficient for the purpose in such form as the Landlord and
     Tenant mutually approve provided in no event shall rental rates of this
     Lease be shown.

12.2 NOTICE.  Any notice required or contemplated by any provision of this
     Lease shall be given in writing, and if to the Landlord, either
     delivered to an executive officer of the Landlord or by facsimile
     transmission or mailed by prepaid registered mail addressed to the
     Landlord at 3650 Victoria Park Avenue, Suite #500, North York (Toronto),
     Ontario, M2H 3P7, and if to the Tenant, either delivered to the Tenant
     (or to an officer of the Tenant if the Tenant is a firm or corporation)
     or by facsimile transmission or mailed by prepaid registered mail
     addressed to the Tenant at the Leased Premises. Every such notice shall
     be deemed to have been given when delivered or, if mailed as aforesaid
     in Canada, upon the day when it was mailed. The Landlord may from time
     to time by notice in writing to the Tenant designate another address in
     Canada as the address to which notices are to be mailed to it.

12.3 EXTRANEOUS AGREEMENTS.  The Tenant acknowledges that there are no
     covenants, representations, warranties, agreements or conditions
     expressed or implied relating to this Lease or the Leased Premises save
     as expressly set out in this Lease and in any agreement to Lease in
     writing between the Landlord and the Tenant pursuant to which this Lease
     has been executed. This Lease may not be modified except by an agreement
     in writing executed by the Landlord and the Tenant.

12.4 CONSTRUCTION.  All of the provisions of this Lease are to be construed
     as covenants and agreements. If any provision of this Lease is illegal
     or unenforceable it shall be considered separate and severable from the
     remaining provisions of this Lease, which shall remain in force and be
     binding as though the said provision had never been included. The
     headings and marginal sub-headings of clauses and sub-clauses are for
     convenience of reference and are not intended to limit, enlarge or
     otherwise affect their meanings.

12.5 NON-WAIVER.  No condoning, excusing or overlooking by the Landlord of
     any default, breach or non-observance by the Tenant at any time or times
     in respect of any covenant, agreement, proviso or condition herein
     contained shall operate as a waiver of the Landlord's rights hereunder
     in respect of any continuing or subsequent default, breach or
     non-observance or so as to defeat or affect in any way the rights of the
     Landlord in respect of any such continuing or subsequent default or
     breach and no waiver shall be inferred or implied by anything done or
     omitted by the Landlord save only express waiver in writing.

12.6 ACCORD AND SATISFACTION.  No payment by the Tenant or receipt by the
     Landlord of a lesser amount than the Base Rental and Additional Rent
     from time to time due shall be deemed to be other than on account of the
     earliest stipulated Base Rental and Additional Rent due, nor shall any
     endorsement or statement on any cheque or any letter accompanying any
     cheque or payment of Base Rental or Additional Rent be deemed an accord
     and satisfaction, and the Landlord may accept such cheque or payment
     without prejudice to the Landlord's right to recover the balance of such
     Base Rental or Additional Rent or pursue any other remedy provided in
     this Lease.

12.7 GOVERNING LAW.  This Lease shall be governed by and construed in
     accordance with the laws of the Province of Ontario.

12.8 TIME OF THE ESSENCE.  Time shall be of the essence of this Lease and
     every part hereof.

12.9 NO PARTNERSHIP.  Nothing contained herein shall be deemed or construed
     by the parties hereto, nor any third party, as creating the relationship
     of principal and agent, or a partnership, or a joint venture between the
     parties hereto, it being

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                                                                            19

      understood and agreed that none of the provisions contained herein nor
      any acts of the parties hereto shall be deemed to create any
      relationship between the parties hereto other than the relationship of
      Landlord and Tenant.

12.10 FORCE MAJEURE.  Except as herein otherwise expressly provided, if and
      whenever and to the extent that the Landlord shall be prevented delayed
      or restricted in the fulfilment of any obligations hereunder in respect
      of the supply or provision of any service or utility, the making of any
      repair, the doing of any work or any other thing by reason of strikes
      or work stoppages or being unable to obtain any material, service,
      utility or labour required to fulfil such obligation or by reason of
      any statute, law or regulation of or inability to obtain any permission
      from any governmental authority having lawful jurisdiction preventing,
      delaying or restricting such fulfilment, or by reason of other
      unavoidable occurrence, the time for fulfilment of such obligation
      shall be extended during the period in which such circumstance operates
      to prevent, delay or restrict the fulfilment thereof and the Tenant
      shall not be entitled to compensation for any inconvenience, nuisance
      or discomfort thereby occasioned.

12.11 CONTRA PROFERENTEM.  - DELETED INTENTIONALLY

12.12 PLANNING ACT.  This Lease is expressly conditional upon compliance with
      the land division provisions of the Planning Act R.S.O. 1990 (as it may
      be amended from time to time), if applicable.

12.13 ACCESS.  The Tenant, its employees, invitees and customers and persons
      connected with the Tenant (subject and except as in this Lease
      provided) shall have the right in common with others entitled thereto
      from time to time to use the parking areas, driveways, walkways, lawns,
      ramps (if any) and other Common Areas in and about the Building from
      time to time. The Tenant shall not unreasonably block or in any manner
      hinder the Landlord, other tenants or other persons claiming through or
      under them or any of them who may be authorized by the Landlord to
      utilize the Common Areas from so doing. The Landlord may, acting
      reasonably, from time to time permit the Tenant to have the exclusive
      use of portions of the parking area which forms part of the Common
      Areas and to permit other tenants or other persons to have exclusive
      use of portions thereof.

12.14 TRANSFERS BY THE LANDLORD.  The Landlord at any time and from time to
      time may sell, transfer, lease, assign or otherwise dispose of the
      whole or any part of its interest in the Leased Premises or in the
      Building and lands of which the Leased Premises form a part, at any
      time and from time to time, may enter into any mortgage of the whole or
      any of its interest in the Building and Lands or in the Leased
      Premises. If the party acquiring such interest shall have agreed to
      assume and so long as it holds such interest, to perform each of the
      covenants, obligations and agreements of the Landlord under this Lease
      in the same manner and to the same extent as if originally named as the
      Landlord in this Lease, the Landlord shall, thereupon be released from
      all of its covenants and obligations under this Lease.
      The Landlord may assign its rights under this Lease to a lending
      institution as collateral security for a loan. If such assignment is
      made and executed by the Landlord and notification thereof is given to
      the Tenant by or on behalf of the Landlord this Lease shall not be
      cancelled or modified for any reason whatsoever except as provided for
      by the terms hereof or by law without the consent in writing of such
      lending institution and the Tenant herein.

12.15 OCCUPANCY PERMIT.  - DELETED INTENTIONALLY

12.16 LEASED PREMISES.  - DELETED INTENTIONALLY

12.17 SUCCESSORS AND ASSIGNS.  This Lease and everything herein contained
      shall enure to the benefit of and be binding upon the successors and
      assigns of the Landlord and the permitted successors and assigns of the
      Tenant. References to the Tenant shall be read with such changes in
      gender as may be appropriate, depending upon whether the Tenant is a
      male or a female person or a firm or corporation, and if the Tenant is
      more than one person or entity, the covenants of the Tenants shall be
      deemed joint and several. All obligations of the Tenant or the Landlord
      under this Lease shall be deemed to be covenants whether or not
      expressed as same. No rights of the Tenant in this Lease shall be
      deemed to be personal, but shall accrue to the benefit of the Tenant's
      successors, permitted subtenants and assigns.

12.18 AREA DETERMINATION.  Subject to Clause 13.9 herein, in the event that
      any calculation or determination by the Landlord of the Rentable Area
      of any premises (including the Leased Premises) or the Building is
      disputed or called

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                                                                            20

      into question by the Tenant, it shall be calculated or determined by
      the Landlord's architect from time to time appointed for the purpose,
      whose certificate shall be conclusive and the cost of such certificate
      shall be borne by the Tenant.

ARTICLE 13.00 - OTHER PROVISIONS

13.1  COMMON AREAS.  The Tenant acknowledges that the Common Area Facilities
      are at all times subject to the exclusive control and operation of the
      Landlord, and the Landlord shall have the right to construct
      improvements, alterations and additions thereto and to relocate the
      various facilities thereon.

13.2  PARKING.  The Tenant further acknowledges that the parking facilities
      in the Common Area Facilities are on a non-exclusive "first come",
      "first serve basis" and may be altered or diminished during the Term or
      extension thereof and the manner in which access is permitted may be
      altered. The Landlord will provide one hundred and forty (140)
      unreserved parking spaces in the Building parking area throughout the
      Term at no cost to the Tenant. In the event that Tenant expands at any
      time during the Term and any extension thereof, the Landlord will
      provide additional parking spaces in accordance with the parking ratio
      of 4 parking spaces for every additional 1,000 square feet leased at no
      cost to the Tenant.

13.3  WINDOW COVERINGS.  The Tenant acknowledges that as at the date of this
      Lease the Landlord does not intend to require the Tenant to install and
      maintain window coverings. Provided however, that the Landlord shall
      have the right at any future time to prescribe a uniform pattern for
      window coverings to be utilized in the Leased Premises. In the event
      the Landlord so prescribes same, the Tenant shall permit the Landlord
      to install window coverings at the cost of the Tenant which cost or the
      current portion thereof shall form part of Operating Costs. Until such
      time, no window coverings may be installed or utilized by the Tenant
      without the written consent of the Landlord, which consent may be
      unreasonably or arbitrarily withheld.

13.4  EXTENSION.  Provided it is mutually agreed and understood that if the
      Tenant duly and regularly pays the Base Rental and Additional Rent and
      performs all of the provisos and agreements contained herein on the
      part of the Tenant to be performed, and provided further that the
      Tenant is not and has not been in material default under the terms of
      this Lease and is not in default at the time of the exercise of the
      option herein, then the Landlord shall, at the expiration of the Term
      hereof, upon written request of the Tenant, grant to the Tenant an
      extension of this Lease for a further period of five (5) years upon the
      same terms and conditions as contained herein, save as to the Base
      Rental rate, Landlord's Work, leasehold improvement allowance, and save
      as to any further right of extension. Provided always that the Tenant
      shall have given to the Landlord not less than nine (9) months and not
      more than twelve (12) months notice in writing before the expiration of
      the Term of its desire to have such extension. The Base Rental rate for
      the extension term shall be at the then fair market rate for renewing
      or extending tenants, all economic inducement factors considered for
      comparable premises in comparable buildings in a comparable area and as
      mutually agreed between the Landlord and the Tenant. In the event that
      the Landlord and the Tenant are unable to agree upon the Base Rental
      rate for the extension term by 120 days prior to the maturity date, the
      matter shall be submitted to arbitration by notice given by either
      party to the other. Upon such notice being given, the dispute shall be
      determined by the award of 3 arbitrators, or by a majority of them, one
      to be named by the Landlord and one by the Tenant within 30 days of the
      giving of such notice, and the 3rd to be selected by these 2
      arbitrators within 7 days after both have been nominated. If either the
      Landlord or the Tenant shall neglect or refuse to name its arbitrator
      in the time specified or to proceed with the arbitration, the
      arbitrator named by the other party shall proceed with the arbitration,
      and the award of such arbitrator shall be final and binding upon the
      Landlord and the Tenant. The Arbitrators shall have all the power given
      by the Arbitration Act of Ontario and may at any time proceed in such
      manner as they see fit on such notice as they deem reasonable in the
      absence of either party, if such party fails to attend. Each party
      shall pay its own costs and shall share equally the costs of
      arbitration. The award and determination of the arbitrators shall be
      final and binding upon both parties hereto and each party agrees not to
      appeal any such award or determination.

      If the award of the arbitrators is not given before the commencement
      date of the extension term, then the Tenant shall commence paying rent
      at the market rate as determined by the Landlord together with
      Additional Rent, which shall be

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                                                                            21

      adjusted forthwith after the award of the arbitrators has become final
      and binding, to be calculated from the commencement date of the
      extension term.

      Interest at the rate set out herein shall be calculated monthly on the
      difference between the Base Rental paid by the Tenant and the actual
      amount awarded by the arbitrators and shall be paid forthwith upon
      demand when the arbitrators' decision has been made.

      The extension of lease form shall be prepared by the Landlord at the
      Tenant's cost and the Tenant covenants and agrees to pay to the
      Landlord said costs forthwith upon demand.

13.5  ZONING.

      The Landlord covenants that the use set out in this Lease complies with
      all applicable zoning and building by-laws.

13.6  TELECOMMUNICATIONS.

      The Landlord warrants that the Building will be equipped with fibre
      optic cabling accessible by the Tenant. The Tenant shall be permitted
      to connect to the said services, at its own cost insofar that all
      connector work, including but not limited to labour and materials, will
      be at the Tenant's sole cost and expense. The Building will be
      constructed to provide sufficient reasonable capacity to handle future
      wiring and cabling requirements. The Tenant shall obtain
      telecommunication services directly from the local service providers.

13.7  SATELLITE DISH.

      Concurrently with the Term hereof, the Landlord grants to the Tenant a
      licence to use a portion of the area located on the roof of the
      Building at such location and in such dimension as may be agreed to by
      the Landlord and the Tenant, acting reasonably, for the Tenant to
      install, operate and maintain one (1) satellite dish for the purpose of
      conducting its business only (no third party revenue generating
      services shall be permitted through this satellite dish) and in
      accordance with all applicable Federal, Provincial and local by-laws,
      codes and regulations. Satellite dish means the original satellite
      receiving equipment, and any subsequent replacements only installed by
      the Tenant on the roof of the Building pursuant to this licence.

      The Tenant will:

      (a)  be responsible for all costs and expenses relating to the
           installation and maintenance of the satellite dish, and any
           replacements with the Landlord's prior approval;

      (b)  ensure that the design, construction, installation and operation
           of the satellite dish conforms to all applicable Federal,
           Provincial and local by-laws, codes and regulations;

      (c)  at all times maintain insurance coverage in connection with the
           satellite dish as part of the general policies of insurance placed
           in accordance with the provisions in this Lease relating to
           insurance and as may reasonably required by the Landlord;

      (d)  repair and maintain the satellite dish roof and associated areas
           in accordance with the same terms and conditions applicable to
           repair by the Tenant of its Tenant Improvements located within its
           Leased Premises;

      (e)  not assign or sublet or share such satellite dish with any other
           tenants or third party;

      (f)  execute the Landlord's standard form of Licence Agreement for the
           license of the satellite dish prior to the commencement of
           construction of and installation of the satellite dish;

      (g)  there will be no license fee or other charges associated with the
           grant of this license in favour of the Tenant. At the expiry or
           earlier termination of the Lease, the Tenant will remove the
           satellite dish and repair damage caused by such removal and ensure
           the roof is in a first class condition in the area of the
           satellite dish.

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                                                                            22

13.8  NO RELOCATION.

      The Landlord shall not be permitted to relocate the Tenant, either in
      whole or in part, to other premises within the Building throughout the
      term or any extension thereof.

13.9  MEASUREMENT.

      The Rentable Area of the Leased Premises shall be verified and/or
      adjusted within sixty (60) days after the Commencement Date by the
      Landlord in accordance with current BOMA standards and the Basic Rental
      and the Additional Rental shall be subject to adjustment based on the
      actual Rentable Area of the Leased Premises as determined by the
      Landlord's architect in accordance with current BOMA standards. The
      Landlord shall provide the Tenant with an Architect's Certificate
      confirming the Rentable Area of the Leased Premises as well as the
      Rentable Area of the Building. Such measurement as aforesaid shall be
      conclusive.

13.10 FIRST RIGHT OF OFFER.

      The Tenant shall have the first right of offer concerning any remaining
      vacant space on the 3rd floor of the Building for which the Landlord
      receives an offer to lease from a third party at any time and from time
      to time following the execution of this Lease by both parties and
      throughout the Term to be exercised by written notice by the Tenant to
      the Landlord within five (5) business days following receipt of written
      notice from the Landlord to the Tenant. The terms and conditions shall
      be at fair market and as may be mutually negotiated between the parties
      within such five (5) business days of notification, both parties acting
      reasonably. Should the Tenant fail to notify the Landlord or finalize
      the lease within the prescribed time period then the Landlord will be
      free to lease the premises to the third party. Should the Landlord fail
      to lease the premises to the third party then the provisions of this
      clause will apply again. During the Term, the Landlord will promptly
      notify the Tenant in writing when vacant space becomes available on the
      3rd floor. Notwithstanding the foregoing it is agreed and understood
      that in the event the Tenant exercises its right pursuant to Section
      13.11 herein to lease the balance of the 3rd floor of the Building
      evidenced by an unconditional agreement executed by the Landlord and
      the Tenant, then it is agreed that the right of first offer provided
      for in this Section 13.10 shall automatically apply to the first floor
      of the Building. Until such time as the Landlord and the Tenant have
      entered into a signed agreement with respect to the balance of the 3rd
      floor of the Building, the Landlord shall be free to lease the first
      floor of the Building without notice to the Tenant.

13.11 EXPANSION PREMISES.

      The Tenant shall have the right, with notification to the Landlord in
      writing by not later than three (3) months prior to the Commencement
      Date, provided the Lease has been executed by both parties, to increase
      the area of the Leased Premises from 35,000 square feet of Rentable
      Area to a maximum of 50,000 rentable square feet but not less than
      40,000 rentable square feet (the "Expansion Premises"). The Expansion
      Premises shall be situated on the third floor of the Building. All
      terms and conditions of this Lease will apply including Basic Rental
      and the Turnkey Leasehold Improvement Package, MUTATIS MUTANDIS, in the
      Landlord's standard form of addendum to be executed within five (5)
      business days of its receipt of same from the Landlord. If the Tenant
      fails to exercise this option and/or fails to execute the Addendum to
      Lease within said five (5) business days, then this option shall be
      null and void. If at any time prior to the expiry of the Expansion
      option period the Landlord receives one or more offers by other tenants
      acceptable to the Landlord totalling 60,000 square feet or more then
      the Landlord shall notify the Tenant and the Tenant shall have five (5)
      business days from the date of notice to exercise said Expansion
      option, failing which this option shall be considered null and void and
      the Landlord shall be free to lease said space to a third party tenant
      or tenants.

13.12 TURNKEY LEASEHOLD IMPROVEMENT PACKAGE.

      The Landlord shall provide a Turnkey Leasehold Improvement Package to a
      maximum of $25.00 per rentable square foot of the Leased Premises (plus
      7% G.S.T.), the final price will be adjusted according to the final
      square footage determined by the final space plan. The Turnkey
      Leasehold Improvement Package will be based on the plans and
      specifications to be provided to the

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                                                                            23

      Landlord by the Tenant (the "Specifications"), at the Tenant's sole
      cost, no later than May 1, 2000. The Landlord agrees to substantially
      complete the Turnkey Leasehold Improvement Package no later than the
      Commencement Date, subject only to force majeure and any delay
      occasioned directly or indirectly by the Tenant and may be viewed by
      the Tenant. All costs and contracts associated with said work will be
      completed on an open book basis at the Landlord's cost plus a 8%
      management fee for contractors selected by the Tenant that are not
      being used by the Landlord and an 8% management fee for contractors
      selected by the Tenant that are being used by the Landlord and the
      Tenant shall have the right to require the Landlord to tender said work
      to a minimum of three contractors with the intent of getting the best
      value for the Tenant. If the Turnkey Leasehold Improvement cost exceeds
      $25.00 per rentable square foot then such cost in excess of $25.00 per
      square foot shall be paid by the Tenant. In the event the Turnkey
      Leasehold Improvement cost exceeds $25.00 per rentable square foot, if
      the Tenant so elects then the Landlord will provide up to an additional
      $5.00 per rentable square foot, with the Tenant reimbursing the
      Landlord for this additional amount over the first five (5) years of
      the Term as Basic Rental, amortized at 10% interest per year.

13.13 SPACE PLANNING AND DESIGN SERVICES.

      The Tenant may select its own space planner to design the Leased
      Premises. The Tenant shall assume the responsibilities of retaining
      such space planner in the completion of its duties and
      responsibilities, and the compensation for such space planning service
      shall be at the Tenant's expense which may be deducted from the Turnkey
      Leasehold Improvement Package as detailed in Clause 13.12 herein, save
      and except for the initial feasibility plan (the "Feasibility Plan")
      plus one (1) revision which shall be paid for by the Landlord up to
      .06(cent) per rentable square foot.

13.14 RESTORATION OF PREMISES.

      Notwithstanding anything herein contained to the contrary, the Tenant
      will not be obligated to remove any leasehold improvements installed by
      or on behalf of the Tenant within the Leased Premises at the end of the
      Term or any extension term other than specialized areas (i.e.: computer
      rooms, internal staircases, non-standard office sizes, etc.) which the
      Landlord will require restoration of at the expiry or earlier
      termination of the Lease, provided the Landlord notifies the Tenant of
      such restoration requirement in writing at the plan approval stage. The
      Tenant shall remove its chattels and/or trade fixtures and repair any
      damage caused by said removal.

13.15 FOOD SERVICE.

      Throughout the Term and any extension thereof, the Tenant shall be
      permitted to have vending machines installed within the Leased Premises
      for use by the Tenant and its employees and if it elects to do so, the
      Tenant may, subject to the prior written approval of the Landlord which
      shall not be unreasonably withheld, hire an independent food service
      contractor to operate within the Leased Premises to facilitate the
      needs of the Tenant and its employees.

13.16 LEASE TERMINATION.

      Notwithstanding anything herein contained to the contrary, the Tenant
      shall have the right to terminate this Lease at the end of the 5th year
      of the Term or at the end of the 7th year of the Term (which for the
      purposes hereof, in either case, shall be known as (the "Early
      Termination Date") by providing written notice of its intention to do
      so six (6) months prior to the Early Termination Date and paying a lump
      sum penalty on the notice date as follows:

      (a)  Termination Option 1 (six months prior to the fifth anniversary)
           total $903,000.00 plus G.S.T.; or

      (b)  Termination Option 2 (six months prior to the seventh anniversary)
           total $672,000.00 plus G.S.T.

           The above Termination Options are based on 35,000 square foot
           rentable area. Any additional rentable area shall increase the
           penalty accordingly.

13.17 ACCESS.

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                                                                            24

      Notwithstanding anything herein contained to the contrary, it is
      understood and agreed that the Tenant, its employees and invitees,
      shall have the right to access twenty-four (24) hours a day, seven (7)
      days a week, throughout the Term and any extension thereof to the
      Leased Premises and to use the Common Areas of the Building for its
      intended purposes in common with others entitled thereto. The foregoing
      access to the Leased Premises shall include continuous supply (except
      in the case of an emergency and schedule maintenance) by the Landlord
      of electric power, hot and cold running water in the Leased Premises,
      heat (where necessary), air conditioning (where necessary), lights
      within the Leased Premises and elevator services to the Leased
      Premises, at no extra cost to the Tenant throughout the Term and any
      extension thereof, other than after 7:00 p.m. Monday to Friday HVAC
      which shall be charged at the rate of $25.00 per hour per floor and
      payable in the same manner as Additional Rent.

13.18 REPRESENTATIONS AND WARRANTIES.

      The Landlord represents and warrants that:

      (a)  the Building shall comply with all of the base building
           specifications as detailed in Schedule "D" attached;

      (b)  it shall use reasonable efforts to ensure that the Building shall
           be designed and insulated such that the noise level generated by
           Highway 404 does not materially affect the day-to-day operation of
           the Tenant's business within the Leased Premises throughout the
           Term and any extension thereof;

      (c)  the Landlord shall use reasonable efforts in conjunction with the
           local municipal authorities to resolve the current traffic backlog
           that occurs as a result of commuters travelling westbound on 16th
           Avenue attempting to make a left turn onto Mural Street;

      (d)  it will attempt to obtain permission through a formal application
           with notice to the Tenant from the municipal, regional and
           provincial authorities for and exit and entrance from the parking
           area that will allow tenants and/or visitors the option of
           directly accessing 16th Avenue from the site;

      (e)  the Building ventilation system shall be equipped with the same
           type of air filtration system designed to minimize the level of
           exhaust fumes generated from Highway 404 from being circulated
           throughout the Leased Premises as well as the Building;

      (f)  the quality of finishes used in the Building lobby and Common
           Areas throughout the Building shall be of a similar quality to
           that at 1595 16th Avenue that would be used in an "A" Class
           building;

      (g)  the quality of finishes used for the exterior of the Building
           shall be such that the image of the Building shall be comparable
           to that of an "A" class office building, similar to 1595 16th
           Avenue; and

      (h)  the landscaped area surrounding the Building shall include a
           designated area for tenants of the Building to eat lunch (i.e.,
           picnic tables), bicycle racks, etc.

13.19 LANDLORD'S WORK.

      The Landlord shall complete the following base building work at the
      Landlord's cost in conjunction with the Turnkey Leasehold Improvement
      Package:

      Floors shall be smooth, level to the standard of a first-class office
      building and ready to receive floor coverings;

      Full height, insulated demising walls where applicable constructed to
      applicable building code, sanded and ready for Tenant finishes;

      Firestopping and fireproofing at all locations required by code;

      Perimeter and core walls and columns shall be sanded and primed, and
      painted in Tenant's choice of colour;

      Building standard window treatments;

      Building standard acoustic tile on suspended T-Bar system to an open
      area concept;

<PAGE>
                                                                            25

      Fluorescent light fixtures to an open area concept. A single pole
      switch shall be provided at the main entrance to the premises on each
      floor controlling the Tenant's building standard lighting for that
      floor;

      The Leased Premises shall be completely sprinklered in accordance with
      standards of the fire department of the City of Richmond Hill for open
      office space with fully downturned sprinkler heads. System distribution
      will be adjusted at the time of installation to accommodate Tenant's
      plans, thus avoiding further costs to adjust systems at the time of
      Tenant's leasehold improvements;

      Building security system to be installed that will allow the Tenant 24
      hour, 7 days a week access via a card-access system at all entrance
      doors and in all elevators. The Tenant at its cost shall be allowed the
      ability to control and codify its employee's access cards.

      Provide HVAC equipment to meet building standard requirements - base
      building VVT system installed to open area plan;

      Male and female washroom, including handicap facilities in the core (in
      accordance with code);

      Supply power sufficient for building standard requirements plus base
      building systems and separate electrical panel in sound insulated
      electrical room per floor;

      Provide all elevator lobbies as per building standard for multi-tenant
      floors;

      It is understood that ceiling, lighting, window, sprinkler, HVAC work
      will be completed after Tenant plans and specifications have been
      finalized in order to minimize Tenant's construction expenses.

      The Building shall be equipped with coloured CCTV security cameras at
      all entrance/exits to the Tenant's suite as part of the Turnkey
      Leasehold Improvement Package.

13.20 PROVISO TO SIGNAGE.

      (a)  Throughout the Term and any extension thereof, at the Tenant's
           cost, the Tenant's name will be affixed adjacent to the main
           entrance of its Premises and the Tenant's name will be included in
           the Tenant Directory located in the main lobby of the Building.
           The Tenant shall also be entitled to its proportionate share of
           area on the outdoor podium sign, which shall be situated in close
           proximity to the entrance to the Building. Such signage rights
           shall be assignable subject to the Landlord's reasonable prior
           written approval, not to be unreasonably withheld in the event the
           Tenant elects to sublease the Leased Premises herein permitted.

      (b)  Throughout the Term and any extension thereof, the Tenant shall be
           granted non-exclusive building-top signage rights. The Landlord
           shall only grant building-top signage rights to one (1) other
           tenant. The Tenant shall be permitted to install an illuminated
           sign on the upper portion of the easterly facing wall of the
           Building throughout the Term and to install an illuminated sign on
           the upper portion of the westerly facing wall of the Building
           throughout the Term and any extension thereof, the design, size
           and location/height of which shall be subject to the Landlord and
           the municipal authorities approvals and to be in accordance with
           governmental guidelines for multi-tenant buildings, it being
           further understood that all building-top signage shall be on a
           non-exclusive basis. Such signage rights shall be assignable
           subject to Landlord's reasonable prior approval in writing, not to
           be unreasonably withheld in the event the Tenant elects to
           sublease the entire Leased Premises as permitted herein.

13.21 LANDLORD'S CONDITION. - DELETED INTENTIONALLY

13.22 LANDLORD'S WARRANTY.

      The Landlord warrants that the Tenant's Proportionate Share of the
      Operating Costs and Taxes will not exceed $10.75 per square foot for
      the year ending December 31, 2000. The Tenant shall have the right to
      audit the calculation of the Additional Rent on an annual basis.

      The Landlord shall keep proper and sufficient records of all its costs
      relating to Additional Rent and the Tenant shall have the right at any
      time during the Term and any extensions thereof and up to one year
      following expiration of the applicable year, to claim a readjustment in
      respect of any item of Additional Rent.

<PAGE>
                                                                              26

      For this purpose, the Tenant shall have the right through its
      controller or at its sole cost to have independent C.A. firm
      ("Auditor") acceptable to the Landlord during such time, review all
      invoices, receipts, and other records used by the Landlord in the
      calculation of Additional Rent relating to the Leased Premises, such
      review to take place at the Landlord's offices and upon seven (7)
      business days prior to written notice by the Tenant to the Landlord and
      provided that the auditor signs a confidentiality agreement with the
      Landlord. In the event the auditor uncovers a discrepancy of less than
      2% with respect to Additional Rent charged, then the Tenant shall also
      pay the Landlord, for the Landlord's reasonable direct out-of-pocket
      expenses with respect to the audit. In any event the management fees
      shall not exceed $1.00 per square foot of Rentable Area throughout the
      Term and any extension.

13.23 EXCLUSIONS

      Notwithstanding anything to the contrary contained in this Lease, the
      following items shall be excluded (or, as applicable, deducted) from
      the calculation of Tenant's share (if any) of Operating Costs of the
      Building:

      (a)  the cost of repairs or other work occasioned by fire, windstorm or
           other casualty or loss in excess of the insurance proceeds
           therefor (or, if grater, the proceeds that would have been
           available had the Landlord maintained the insurance required to be
           maintained by the Landlord pursuant to this Lease);

      (b)  costs resulting from the correction of any latent construction
           defects in all or any portion of the Building, or any condition
           that is, as of the date of this Lease, not in compliance with
           applicable laws, codes, rules or regulations;

      (c)  costs of initial landscaping;

      (d)  rental concessions or lease buyouts;

      (e)  the costs of renovating or otherwise improving or decorating,
           painting or redecorating space (exclusive of Common Areas) for any
           tenants or other occupants of the Building, including, without
           limitation, the Tenant;

      (f)  the amounts by which the cost of any work or service performed for
           and electricity applied to any tenant or occupant (other than
           Tenant) exceeds the greater of (i) the cost of the standard amount
           or level of such work, service or electricity provided to tenants
           or occupants of the Building in general, or (ii) the cost of the
           amount or level of work, service or electricity made available by
           the Landlord to the Tenant under this Lease;

      (g)  depreciation except as specifically provided hereunder;

      (h)  premium rates paid on service or other contracts;

      (i)  payment of principal interest or other payments of any kind on any
           deeds to secure debt, mortgages, ground or underlying leases, or
           other hypothecations for security of all or any part of the
           Building by the Landlord;

      (j)  rents payable in connection with any ground or underlying lease of
           all or any portion of the Building;

      (k)  all items, service and/or goods for which the Tenant or any other
           tenant, occupant, person or other party is obligated to reimburse
           the Landlord or to pay third parties;

      (l)  advertising and promotional expenses with respect to leasing space
           in or selling the Building;

      (m)  brokerage, legal and professional fees expended by the Landlord in
           connection with negotiating and entering into any leases and any
           related instruments (including, without limitation, guaranties,
           surrender agreements, leasing amendments and consents to
           assignment or subletting) with any tenant or other occupant of any
           portion of the Building, and the enforcement of any such
           instruments; or which are expended or incurred by the Landlord in
           connection with the negotiating and entering of sale, ground
           lease, financing, partnership or similar transaction pertaining to
           the Building or any portion thereof, and/or to the Landlord or an
           interest in the Landlord,

<PAGE>
                                                                              27

           including without limitation, promissory notes, security deeds,
           mortgages, ground or master leases, purchase and sale agreements,
           options, and any and all similar and/or related documents,
           instruments and agreements;

      (n)  estate, inheritance, gift franchise and income taxes of the
           Landlord, (but not excluding Landlord's Capital Tax);

      (o)  the costs and expenses of maintenance and operating of any parking
           facility in or serving the Building except to the extent that they
           exceed any revenue for parking received from such operations;

      (p)  all items that would be capitalized under generally accepted
           accounting principles provided that the Landlord shall be entitled
           to amortize all such costs over the useful life of the item being
           repaired or replaced;

      (q)  the cost of defending against claims in regard to the existence or
           release of hazardous substances or materials at the Building and
           costs of any clean-up of any such hazardous substances or material
           (except with respect to those costs for which the Tenant is
           otherwise responsible pursuant to the express terms of this Lease);

      (r)  costs and expenses incurred in connection with compliance with or
           the contesting or settlement of any claimed violation of law or
           requirements of law;

      (s)  interest, penalties or damages incurred by the Landlord for late
           payment of taxes or assessments or under any agreement to which
           the Landlord is a party by reason of the breach or default of the
           Landlord;

      (t)  expenses incurred in connection with relocating tenants in the
           Building;

      (u)  the cost of installing, operating and maintaining any speciality
           service or special facility such as an observatory, broadcasting
           facilities, health club, cafeteria, or dining facility luncheon
           club, other than those facilities generally made available to
           tenants of the Building without cost;

      (v)  the costs of acquiring, securing, cleaning and maintaining works
           of art;

      (w)  amounts received by the Landlord through proceeds of insurance to
           the extent the proceeds are compensation for expenses which were
           previously included in Building operating costs charged to tenants;

      (x)  costs related to public transportation, transit or van pools; and

      (y)  all other items for which the Tenant or any other tenant, occupant
           or other party compensates the Landlord, so that no duplication of
           payments by the Tenant or to the Landlord shall occur.

13.24 INDEMNIFIER

      In order to induce the Landlord to execute and deliver this Lease and
      in consideration of the execution and delivery thereof by the Landlord,
      the sum of One ($1.00) Dollar now paid by the Landlord to the
      Indemnifier (the receipt and sufficiency whereof is by the Indemnifier
      hereby acknowledged) and other good and valuable consideration, the
      Indemnifier as principal and not as surety, hereby covenants with the
      Landlord that, coincidental with the execution of this Lease it has
      entered into an indemnification agreement in the form attached hereto
      as Schedule "E".

IN WITNESS WHEREOF the Landlord and Tenant have executed this Lease.

                         MENKES OFFICE PARKS LTD.

<PAGE>
                                                                              28

                         Per:____________________________________________
                                  Authorized Signing Officer

                                  (I/We have authority to bind the Corporation)

                         DENBURN INVESTMENTS INC.

                         Per:_____________________________________________
                                  Authorized Signing Officer

                                  (I/We have authority to bind the Corporation)

                         CHANGEPOINT CORPORATION

                         Per:_____________________________________________
                                  Authorized Signing Officer

                                  (I/We have authority to bind the Corporation)

<PAGE>
                                                                              29

                                   SCHEDULE "A"

                            LEGAL DESCRIPTION OF LANDS

<PAGE>

                                                                              30

                                   SCHEDULE "B"

                                 LEASED PREMISES

<PAGE>

                                                                              31

                                   SCHEDULE "C"

                              RULES AND REGULATIONS

The Rules and Regulations may differentiate between different types of
businesses in the Building but the Rules and Regulations will be adopted and
promulgated by the Landlord acting reasonably and in such manner as would a
prudent Landlord of a reasonably similar office building. The Tenant's
failure to keep and observe the Rules and Regulations now or from time to
time in force constitutes a default under this Lease in such manner as if the
same were contained herein as covenants. The Landlord reserves the right from
time to time to amend or supplement the Rules and Regulations applicable to
the Leased Premises or the Building as in the Landlord's absolute and
unfettered discretion are from time to time needed for the safety, care,
cleanliness and more efficient operation of the Building and for the
preservation of good order therein. Notice of the Rules and Regulations and
amendments and supplements, if any, shall be given to the Tenant and the
Tenant shall thereupon comply with and observe all such Rules and Regulations
provided that no Rules and Regulations shall contradict any terms, covenants
and conditions of this Lease. The Rules and Regulations as at the
Commencement Date are as follows:

1.    The Tenant shall not place any debris, garbage, trash or refuse or
      permit same to be placed or left in or upon any part of the Building
      outside of the Leased Premises and the Tenant shall not allow any undue
      accumulation of any debris, garbage, trash or refuse in or outside of
      the Leased Premises.

2.    The Landlord shall permit the Tenant and the Tenant's employees and all
      Persons lawfully requiring communication with them to have the use
      during such hours as the Landlord deems reasonable in common with
      others entitled thereto of the main entrance and stairways, corridors,
      elevators or other mechanical means of access leading to the Leased
      Premises. At times other than during such hours as the Landlord deems
      reasonable the Tenant and the employees of the Tenant shall have access
      to the Building and to the Leased Premises only in accordance with the
      Rules and Regulations and shall be required to satisfactorily identify
      themselves and to register in any book which may at the Landlord's
      option be kept by the Landlord for such purpose. If identification is
      not satisfactory, the Landlord is entitled to prevent the Tenant or the
      Tenant's employees or other Persons lawfully requiring communication
      with the Tenant from having access to the Building. In addition, the
      Landlord is not required to open the door to the Leased Premises for
      the purpose of permitting entry therein to any Person not having a key
      to the Leased Premises.

3.    The Landlord shall permit the Tenant and the employees of the Tenant in
      common with others entitled thereto, to use the washrooms on the floor
      of the Building on which the Leased Premises are situated or, in lieu
      thereof, those washrooms designated by the Landlord, save and except
      when the general water supply may be turned off from the public main or
      at such other times when repair and maintenance undertaken by the
      Landlord shall necessitate the non-use of the facilities.

4.    The Tenant shall permit window cleaners to clean the windows of the
      Leased Premises during such hours as the Landlord deems reasonable.

5.    The sidewalks, entrances, passages, elevators and staircases shall not
      be obstructed or used by the Tenant, its agents, servants, contractors,
      invitees or employees for any purpose other than ingress to and egress
      from the offices. The Landlord reserves entire control of all parts of
      the Building employed for the common benefit of the tenants and without
      restricting the generality of the foregoing, the sidewalks, entrances,
      corridors and passages not within the Leased Premises, washrooms,
      lavatories, air-conditioning closets, fan rooms, janitor's closets,
      electrical closets and other closets, stairs, elevator shafts, flues,
      stacks, pipe shafts and ducts and shall have the right to place such
      signs and appliances therein, as it deems advisable, provided that
      ingress to and egress from the Leased Premises is not unduly impaired
      thereby.

6.    The Tenant, its agents, servants, contractors, invitees or employees,
      shall not bring in or take out, position, construct, install or move
      any safe, or other heavy machinery or equipment or anything liable to
      injure or destroy any part of the Building without first obtaining the
      consent in writing of the Landlord. In giving such consent, the
      Landlord shall have the right in its absolute and unfettered
      discretion, to prescribe the weight permitted and the position thereof,
      and the use and design of planks, skids or platforms, to distribute the
      weight thereof. All

<PAGE>

                                                                              32

      damage done to the Building by moving or using any such heavy equipment
      or other office equipment or furniture shall be repaired at the expense
      of the Tenant. Safes and other heavy office equipment and machinery
      shall be moved through the halls and corridors only upon steel bearing
      plates. No freight or bulky matter of any description will be received
      into the Building or carried in the elevators except during hours
      approved by the Landlord.

7.    The Tenant shall not place or cause to be placed any additional locks
      upon any doors of the Leased Premises without the approval of the
      Landlord and subject to any conditions imposed by the Landlord. Two
      keys shall be supplied to the Tenant for each entrance door to the
      Leased Premises and all locks shall be standard to permit access to the
      Landlord's master key. If additional keys are requested, they must be
      paid for by the Tenant. No one, other than the Landlord's staff will
      have keys to the outside entrance doors of the Building.

8.    The water closets and other water apparatus shall not be used for any
      purpose other than those for which they were constructed, and no
      sweepings, rubbish, rags, ashes or other substances shall be thrown
      therein. Any damage resulting from misuse shall be borne by the Tenant
      by whom or by whose agents, servants, or employees the same is caused.
      The Tenant shall not (a) let the water run unless it is in actual use,
      (b) deface or mark any part of the Building, (c) drive nails, spikes,
      hooks or screws into the walls or woodwork of the Building, or (d)
      bore, drill or cut into the walls or woodwork of the Building in any
      manner or for any reason.

9.    No one shall use the Leased Premises for sleeping apartments or
      residential purposes, or for the storage of personal effects or
      articles other than those required for business purposes.

10.   Canvassing, soliciting and peddling in or about the Building and in the
      parking facilities of the Building are prohibited.

11.   It shall be the duty of the Tenant to assist and co-operate with the
      Landlord in preventing injury to the Leased Premises.

12.   No flammable oils or other flammable, dangerous or explosive material
      save those approved in writing by the Landlord's insurers shall be kept
      or permitted to be kept in the Leased Premises.

13.   No bicycles or other vehicles shall be brought within the building
      without the consent of the Landlord.

14.   No animals or birds shall be brought into the Building without the
      consent of the Landlord.

15.   No gas pipe or electric wire will be permitted which has not been
      ordered or authorized by the Landlord.

16.   The Tenant shall not cover or obstruct any of the skylights and windows
      that reflect or admit light into any part of the Building except for
      the proper use of approved window coverings.

17.   Any hand trucks, carryalls, or similar appliances used in the Building
      with the consent of the Landlord, shall be equipped with rubber tires,
      slide guards and such other safeguards as the Landlord requires.

18.   The Tenant shall not place or maintain any supplies, merchandise or
      other articles in any vestibule or entry of the Leased Premises, on the
      footwalks adjacent thereto or elsewhere on the exterior of the Leased
      Premises or the Building.

19.   The Tenant shall not commit or suffer or permit to be committed any
      waste upon, or damage to, or disfiguration of the Leased Premises or
      any nuisance or other act or thing which disturbs the quiet enjoyment
      of any other tenant in the Building or which unreasonably disturbs or
      interferes with or annoys any Person, nor perform any acts or carry on
      any practices which may damage the building.

20.   The Tenant shall not refer to the Building by any name other than that
      designated from time to time by the Landlord, nor use such name for any
      purpose other than that of the business address of the Tenant, provided
      that the Tenant may use the municipal number of the Building assigned
      to it by the Landlord instead of the name of the Building.

<PAGE>

                                                                              33

21.   The Tenant shall not install or allow on the Leased Premises any
      transmitting device, nor erect any aerial on the roof of the Building
      or on any exterior walls of the Leased Premises. Any such installations
      shall be subject to removal by the Landlord without notice at any time
      and such removal shall be done and all damage as a result thereof shall
      be made good, in each case, at the cost of the Tenant, payable as
      Additional Rent forthwith on demand. Cell telephones shall be
      permitted. A satellite dish shall be permitted in accordance with
      Section 13.7.

22.   The Tenant shall not use any travelling or flashing lights or signs or
      any loudspeakers, television, phonographs, radio or other audio-visual
      or mechanical devices in a manner so that they can be heard or seen
      outside of the Leased Premises. If the Tenant uses any such equipment
      without receiving the prior written consent of the Landlord, the
      Landlord shall be entitled to remove such equipment without notice at
      any time and such removal shall be done and all damage as a result
      thereof shall be made good, in each case, at the cost of the Tenant,
      payable as Additional Rent forthwith on demand.

23.   The Landlord shall have the right to restrict access to the elevators
      for move-in and move-out purposes. The Tenant shall consult prior to
      taking or giving up occupation of the Leased Premises in order to
      obtain an elevator schedule from the Landlord.

24.   If the Tenant requires the supply of water, electricity, heating, air
      conditioning or any other utility or service after the normal hours
      during which the Landlord supplies same or on a weekend or holiday, the
      Tenant shall purchase its requirements for those utilities or services
      from the Landlord and the Tenant shall pay to the Landlord as
      Additional Rent forthwith upon demand the cost of same at the rates
      current from time to time set by the Landlord. The Tenant acknowledges
      that at least twenty-four (24) hours' prior written notice must be
      given to the Landlord in the event that the Tenant requires the supply
      of utilities after the hours the Landlord normally supplies same.

25.   There shall be no smoking allowed in any part of the Building including
      the Leased Premises and all public areas which shall include, but not
      be limited to washrooms, elevators, elevator lobbies, common area
      hallways, stairwells, etc.

<PAGE>

                                                                              34

                                  SCHEDULE "D"

                             BUILDING SPECIFICATIONS

<PAGE>

                                                                              35

                                  SCHEDULE "E"

                               INDEMNITY AGREEMENT

           THIS AGREEMENT is made as of this 24th day of February, 2000

B E T W E E N:

                  MENKES OFFICE PARKS LIMITED
                  (the "Landlord")
                                                    OF THE FIRST PART

                  - and -

                  CHANGEPOINT CORPORATION
                  (the "Indemnifier")
                                                    OF THE SECOND PART

      In order to induce the Landlord to enter into the lease (the "Lease")
dated the 20th day of October, 1999 between the Landlord and Denburn
Investments Inc. as tenant (the "Tenant"), and for other good and valuable
consideration, the receipt and sufficiency whereof is hereby acknowledged,
the Indemnifier hereby makes the following indemnity and agreement (the
"Indemnity") with and in favour of the Landlord:

1.     The Indemnifier hereby agrees with the Landlord that at all times
during the term of the Lease it will (a) make the due and punctual payment of
all rent, moneys, charges and other amounts of any kind whatsoever payable
under the Lease by the Tenant whether to the Landlord or otherwise and
whether the Lease has been disaffirmed or disclaimed; (b) effect prompt and
complete performance of all and singular the terms, covenants and conditions
contained in the Lease on the part of the Tenant to be performed; and (c)
indemnify and save harmless the Landlord from any loss, costs or damages
arising out of any failure by the Tenant to pay the aforesaid rent, money,
charges or other amounts due under the Lease or resulting from any failure by
the Tenant to observe and perform any of the terms, covenants and conditions
contained in the Lease.

2.    This Indemnity is absolute and unconditional and the obligations of the
Indemnifier shall not be released, discharged, mitigated, impaired or
affected by (a) any extension of time, indulgences or modifications which the
Landlord extends to or makes with the Tenant in respect of the performance of
any of the obligations of the Tenant under the Lease; (b) any waiver by the
Landlord of or failure of the Landlord to enforce any of the terms, covenants
and conditions contained in the Lease; (c) any assignment of the Lease by the
Tenant or by any trustee, receiver or liquidator; (d) any consent which the
Landlord gives to any such assignment or sub-letting; (e) any amendment to
the Lease or any waiver by the Landlord of any of its rights under the Lease;
or (f) the expiration of the term.

3.    The Indemnifier hereby expressly waives notice of the acceptance of
this Indemnity and all notice of non-performance, non-payment or
non-observance on the part of the Tenant of the terms, covenants and
conditions contained in the Lease. Without prejudice to the foregoing, any
notice which the Landlord desires to give to the Indemnifier shall be
sufficiently given if delivered in person to the Indemnifier or if mailed by
prepaid registered or certified post addressed to the Indemnifier at the
premises, and every such notice is deemed to have been given upon the day it
was so delivered in person, or if mailed, forty-eight (48) hours after it was
mailed. The Indemnifier may designate by notice in writing a substitute
address and thereafter notice shall be directed to such substitute address.
If two or more persons are named as Indemnifier, any notice given hereunder
or under the Lease shall be sufficiently given if delivered or mailed in the
foregoing manner to any one of such persons.

4.    In the event of a default under the Lease or under this Agreement, the
Indemnifier waives any right to require the Landlord to (a) proceed against
the Tenant or pursue any rights or remedies against the Tenant with respect
to the Lease, (b) proceed against or exhaust any security of the Tenant held
by the Landlord, or (c) pursue any other remedy whatsoever in the Landlord's
power. The Landlord has the right to enforce this Indemnity regardless of the
acceptance of additional security from the Tenant or the Indemnifier and
regardless of any release or discharge of the Tenant by the Landlord or by
others or by operation of any law.

5.    Without limiting the generality of the foregoing, the liability of the
Indemnifier under this Indemnity is not and is not deemed to have been
waived, released,

<PAGE>

                                                                              36

discharged, impaired or affected by reason of the release or discharge of the
Tenant in any receivership, bankruptcy, winding-up or other creditors'
proceedings or the rejection, disaffirmance or disclaimer of the Lease in any
proceeding and shall continue with respect to the periods prior thereto and
thereafter, for and with respect to the term of the Lease, and any renewal
thereof, as if the Lease had not been disaffirmed or disclaimed and in
furtherance thereof, the Indemnifier shall at the option of the Landlord
become the Tenant of the Landlord upon the same terms and conditions as are
contained in the Lease, applied mutatis mutandis.

6.    No action or proceeding brought or instituted under this Indemnity and
no recovery in pursuance thereof shall be a bar or defence to any further
action or proceeding which may be brought under this Indemnity by reason of
any further default hereunder or in the performance and observance of the
terms, covenants and conditions contained in the Lease.

7.    No modification of this Indemnity shall be effective unless the same is
in writing and is executed by both the Indemnifier and the Landlord.

8.    The Indemnifier shall, to the extent of its obligations under this
Indemnity, and without limiting the generality of the foregoing, be bound by
this Indemnity in the same manner as though the Indemnifier were the Tenant
named in the Lease. Notwithstanding the foregoing, or any performance in
whole or in part by the Indemnifier of the covenants of this Indemnity, the
Indemnifier shall not have any entitlement to occupy the premises or
otherwise enjoy the benefits of the Tenant under the Lease.

9.    If two or more individuals, corporations, partnerships or other
business associations (or any combination of two or more thereof) execute
this Indemnity as Indemnifier, the liability of each such individual,
corporation, partnership or other business association hereunder is joint and
several. In like manner, if the Indemnifier named in this indemnity is a
partnership or other business association, the members of which are by virtue
of statutory or general law subject to personal liability, the liability of
each member is joint and several.

10.   This Indemnity is in addition to and not in substitution for any other
security now or hereafter held by the Landlord, and this security shall not
merge in any other security now or hereafter held by the Landlord from the
Indemnifier or from any other party.

11.   All of the terms, covenants and conditions of this indemnity extend to
and are binding upon the Indemnifier, his or its heirs, executors,
administrators, successors and assigns, as the case may be, and shall enure
to the benefit of and may be enforced by the Landlord, its successors and
assigns, as the case may be, and by any mortgagee, chargee, trustee under a
deed of trust or other encumbrancer of all or any part of the building
referred to in the Lease.

12.   This Indemnity shall be construed in accordance with the laws of the
Province of Ontario. The Indemnifier hereby submits and attorns to the
jurisdiction of the courts of the Province of Ontario in any action or
proceeding which may be commenced with respect to the enforcement of this
Indemnity.

      IN WITNESS WHEREOF the parties hereto have signed this Indemnity as of
the day and year first above written.

                  MENKES OFFICE PARKS LTD.

                  Per: __________________________________  c/s
                            Authorized Signing Officer

                  CHANGEPOINT CORPORATION

                  Per: __________________________________  c/s
                            Authorized Signing Officer

                       Authorized Signing Officer

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00002-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00002-of-00352.parquet"}]]