Document:

<PAGE>

                                                                   Exhibit 10.10
                                                                   -------------

                                 Two Apple Hill
                             Natick, Massachusetts
                                ("the Building")

                                FIRST AMENDMENT
                                ---------------
                             Date:  October 6, 1999

     LANDLORD:               Metropolitan Life Insurance Company

     TENANT:                 eDocs, Inc.

     PREMISES:               An area on the north side of the first (1st) floor
                             of the Building, substantially as shown on Lease
                             Plan, Exhibit 2, dated August 9, 1999

     LEASE
     EXECUTION
     DATE:                   August 9, 1999

     TERM
     COMMENCEMENT
     DATE:                   August 16, 1999

     RENT
     COMMENCEMENT
     DATE:                   November 21, 1999

     TERMINATION
     DATE:                   August 31, 2003

     PREVIOUS
     LEASE
     AMENDMENTS:             None

     FIRST
     AMENDMENT

     PREMISES:               A portion of the second floor of the Building,
                             contain approximately 7,948 square feet of Total
                             Rentable Area, substantially as shown on Lease
                             Plan, Exhibit 2, First Amendment, dated October 6,
                             1999.

     WHEREAS, Tenant desires to lease additional premises in the Building, to
wit, the First Amendment Premises;

     WHEREAS, Landlord is willing to lease the First Amendment Premises to
Tenant on the terms and conditions hereinafter set forth;
<PAGE>

     NOW THEREFORE, the above-referenced lease ("the Lease") is hereby amended
as follows:

     1.  DEMISE OF FIRST AMENDMENT PREMISES
         ----------------------------------

     Landlord hereby demises and leases to Tenant, and Tenant hereby hires and
takes from Landlord the First Amendment Premises for a term commencing as of the
Term Commencement Date in respect of the First Amendment Premises, as
hereinafter defined.  Said demise of the First Amendment Premises shall be term
set forth on Exhibit 1, First Amendment Premises Version, Sheets 1, 2 and 3,
dated October 6, 1999, a copy of which is attached hereto and made a part
hereof, and upon all of the terms and conditions of the Lease (including,
without limitation, Tenant's extension right under Paragraph 2 of the Rider to
the Lease) to the extent not inconsistent with the provisions of said Exhibit 1,
First Amendment Premises Version and the provisions of this First Amendment.

     2.   TERM COMMENCEMENT DATE IN RESPECT OF FIRST AMENDMENT PREMISES/TENANT'S
          ----------------------------------------------------------------------
          TERMINATION RIGHT
          -----------------

     A.  The Term Commencement Date in respect of the First Amendment Premises
shall be December 5, 1999.  However, if the current occupant ("Current
Occupant") of the First Amendment Premises has not vacated the First Amendment
Premises on or before December 4, 1999, then the Term Commencement Date in
respect of the First Amendment Premises shall be the earlier of:  (i) the date
that Tenant first commences to use the First Amendment Premises, or any portion
thereof, for business purposes, as permitted under the Lease, or (ii) the date
five (5) days Landlord has given Tenant written notice that the Current Occupant
will have vacated the First Amendment Premises, provided however, that if the
Current Occupant has not, as of the date set forth in Landlord's notice, in fact
vacated the First Amendment Premises, then Landlord shall be required to provide
to Tenant an additional notice pursuant to this Subparagraph A.

     B.  If the Term Commencement Date in respect of the First Amendment
Premises does not occur on or before February 1, 2000, then Tenant shall have
the right to cancel this First Amendment by giving Landlord a written
cancellation notice on or after February 2, 2000 and prior to the date that the
Term Commencement Date in respect of the First Amendment Premises occurs.  If
the Term Commencement Date in respect of the First Amendment Premises does not
occur on or before the thirtieth (30th) day after Landlord receives such
cancellation notice, then Landlord shall promptly return the Letter of credit in
respect of the First Amendment Premises to Tenant, this First Amendment shall be
void and without further force or effect and neither party shall have any
obligation to the other party with respect to the First Amendment Premises.  If
the Term Commencement Date in respect of the First Amendment Premises occurs on
or before the thirtieth (30th) day, then the cancellation notice shall be void
and of no further force or effect and Tenant shall have no right to terminate
the Lease in respect of the First Amendment Premises, pursuant to this
subparagraph B.

                                       2
<PAGE>

     3.   RENT COMMENCEMENT IN RESPECT OF FIRST AMENDMENT PREMISES
          --------------------------------------------------------

     The Rent Commencement Date in respect of the First Amendment Premises shall
be the later of:  (x) January 4, 2000, or (y) the date thirty (30) days after
the Term Commencement Date in respect of the First Amendment Premises.

     4.   CONDITION OF FIRST AMENDMENT PREMISES
          -------------------------------------

     Tenant shall take the First Amendment Premises "as-is", in the condition in
which the First Amendment Premises are in as of the Execution Date of this First
Amendment, without any obligation for Landlord to perform any work in order to
prepare the First Amendment Premise for Tenant's occupancy and without
representation or warranty by Landlord to Tenant as to the condition of the
First Amendment Premises, except that the First Amendment Premises shall be
delivered broom clean; free of all personal property and free of all tenants and
occupants.  Without limiting the foregoing, Article 4 and Exhibits 9 and 10 of
the Lease shall have no applicability to the First Amendment Premises.
Landlord, at Landlord's cost and expense, shall, after the Term Commencement
Date in respect of the First Amendment Premises, repair any holes and damage in
the First Amendment Premises caused by the Current Occupant of the First
Amendment Premises ("Landlord's Work").  The failure of Landlord to complete
Landlord's Work on or before the Rent Commencement Date in respect of the First
Amendment Premises shall not constitute a default by Landlord and shall not
affect the validity of the Rent Commencement Date in respect of the First
Amendment Premises.

     5.  LANDLORD'S CONTRIBUTION
         -----------------------

     A.  In consideration of Tenant's demise of the First Amendment Premises,
Landlord shall, in the manner hereinafter set forth, provide to Tenant up to
Thirty-Nine Thousand Seven Hundred Forty and no/100 ($39,740.00) Dollars
("Landlord's Contribution") towards the cost of leasehold improvements to be
installed by Tenant in the First Amendment Premises ("Tenant's Work").  All such
Tenant's Work shall be performed in accordance with the terms and conditions of
the Lease, including, without limitation, Articles 12 and 13 thereof.

     B.  Provided that the Tenant is not in default, beyond the expiration of
any applicable grace periods, of its obligations under the Lease at the time
that Tenant submits any requisition on account of Landlord's Contribution,
Landlord shall pay the cost of the work shown on each requisition (as
hereinafter defined) submitted by Tenant to Landlord within thirty (30) days of
submission thereof by Tenant to Landlord.

     C.  For the purposes hereof, a "requisition" shall mean written
documentation showing in reasonable detail the costs of the improvements
installed to date in the premises, accompanied by certifications from Tenant,
Tenant's architect, and Tenant's contractor that the work performed to date has
been performed in accordance with Tenant's approved plans, and that the amount
of the requisition in question does not exceed the amount of the work covered by
such requisition.  Each requisition shall be accompanied by evidence reasonably
satisfactory to Landlord that all work covered by previous requisitions has been
fully paid by Tenant.  Landlord

                                       3
<PAGE>

shall have the right, upon reasonable advance notice to Tenant, to inspect
Tenant's books and records relating to each requisition in order to verify the
amount thereof. Tenant shall submit requisition(s) no more often than monthly.

     D.  Notwithstanding anything to the contrary herein contained:

         (i)   Except with respect to work and/or materials previously paid for
by Tenant, as evidenced by paid invoices and written lien waivers provided to
Landlord, Landlord shall have the right to have Landlord's Contribution paid to
both Tenant and Tenant's contractor(s) and vendor(s) jointly.

         (ii)  Tenant shall not be entitled to any portion of Landlord's
Contribution, and Landlord shall have no obligation to pay Landlord's
Contribution in respect of any requisition submitted after the date which is two
hundred seventy (270) days after the Term Commencement Date in respect of the
First Amendment Premises.

         (iii) Tenant shall have no right to any unused portion of Landlord's
Contribution.

     6.   LETTER OF CREDIT IN RESPECT OF FIRST AMENDMENT PREMISES
          -------------------------------------------------------

     A.  Tenant acknowledges that Landlord is unwilling to execute this First
Amendment, unless Tenant provides Landlord with additional security for Tenant's
obligations under the Lease.  Therefore, Tenant shall deliver to Landlord, on
the date that Tenant executes and delivers this First Amendment to Landlord, an
Irrevocable Standby Letter of Credit ("Letter of Credit in respect of First
Amendment Premises") which shall be (1) in the amount of Forty Thousand
($40,000.00) Dollars, and (2) shall comply with the requirements applicable to
the Letter of Credit delivered by Tenant to Landlord in connection with the
execution of the Lease, as set forth in Paragraph 1 of the Rider to the Lease.

     B.  Landlord shall hold the Letter of Credit in respect of the First
Amendment Premises on the same terms and conditions as are applicable to the
Letter of Credit delivered in connection with the execution of the Lease, as set
forth in Paragraph 1 of the Rider to the Lease, except that, in lieu of
Subparagraph B of said Paragraph 1, the following shall apply:

     "On the conditions that, as of November 20, 2001:  (i) Tenant is not in
default of its obligations under the Lease, and (ii) Tenant has not previously
defaulted in its obligations under the Lease, after the giving of any applicable
notice and the expiration of any applicable grace period, more than one time,
and (iii) and that the Lease is in full force and effect, then the Letter of
Credit Amount under the Letter of Credit in respect of the First Amendment
Premises shall be reduced to Sixteen Thousand Eight Hundred Sixty-Nine
($16,869.00) Dollars.  The reduction of such Letter of Credit Amount may be
effected by either:  (i) the exchange of the existing Letter(s) of Credit in
respect of the First Amendment Premises then being held by Landlord for a new
Letter of Credit in respect of the First Amendment Premises satisfying the
requirements of Paragraph 1 of the Rider to the Lease with the new Letter of
Credit Amount, or (ii) the issuance by the issuing bank of an amendment of the
existing Letter(s) of Credit in respect of the First

                                       4
<PAGE>

Amendment Premises which is accepted by Landlord in writing, of an amendment to
the existing Letter(s) of Credit so that Landlord will be holding a Letter of
Credit(s) in respect of the First Amendment Premises in the new Letter of Credit
Amount."

     C.  All Letters of Credit given by Tenant, whether in connection with the
Premises initially demised to Tenant or in connection with the First Amendment
Premises shall secure all of Tenant's obligations under the Lease.

     7.   SUBLETTING AND ASSIGNMENT WITH RESPECT TO FIRST AMENDMENT PREMISES
          ------------------------------------------------------------------

     Notwithstanding anything to the contrary in Article 16 of the Lease
contained, Tenant shall have the right, without giving Landlord a Recapture
Offer, to sublease the First Amendment Premises, or any portion thereof, to a
Qualified Transferee, as defined in subparagraph 4 of Paragraph B of this
Article 16, provided that Tenant obtains Landlord's prior written consent to
such sublease and provided that any such sublease shall not commence subsequent
to the date which is two (2) years after the Term Commencement Date in respect
of the First Amendment Premises.  Landlord agrees that it shall not unreasonably
withhold or delay such consent.

     8.   ADJUSTMENT IN RESPECT OF TOTAL RENTABLE AREA OF THE BUILDING
          ------------------------------------------------------------

     The parties acknowledge that there has been an adjustment in the Total
Rentable Area of the Building so that the Total Rentable Area of the Building is
127,227 square feet.  Therefore, the parties hereby agree that the Tenant's
Proportionate Share in respect of the Existing Premises shall be 18.78%.

     9.  As hereby amended, the Lease is ratified, confirmed, and approved in
all respects.

     EXECUTED UNDER SEAL as of the date first above written.

LANDLORD:                                      TENANT:
METROPOLITAN LIFE INSURANCE COMPANY            EDOCS, INC.
On behalf of a co-mingled separate account
By:  SSR Realty Advisors, Inc.,
     its Investment Advisor

By: /s/ A. Alan Bates, Senior Asset Manager    By: /s/ Kevin E. Laracey, CEO
    ---------------------------------------        ----------------------------
        (Name)                      (Title)           (Name)            (Title)
        Hereunto Duly Authorized                      Hereunto Duly Authorized

Date Signed:  10/19/99                         Date Signed:  10/15/99
            -------------------------------                --------------------

                                       5
<PAGE>

              EXHIBIT 1, FIRST AMENDMENT PREMISES VERSION, SHEET 1
                                 Two Apple Hill
                              Two Apple Hill Drive
                             Natick, Massachusetts
                                (the "Building")

Execution Date:           October 6, 1999
                          ---------------

Tenant:                   eDocs, Inc.
                          -----------
                                          (name)

                          a Delaware corporation
                          ----------------------
                                          (description of business organization)

                          Two Apple Drive, Natick, Massachusetts  01760
                          ---------------------------------------------
                                           (principal place of business -
                                           mailing address)

Landlord:                 Metropolitan Life Insurance Company.  Mailing Address:
                          SSR Realty Advisors, Inc., One North Broadway, Suite
                          500, White Plains, New York 10601, Attn:  Director of
                          Asset Management. Additional Notice Address:  SSR
                          Realty Advisors, Inc., One North Broadway, Suite 500,
                          White Plains, New York 10601, Attn: Legal Department.

Building:                 The Building in the Town of Natick, Massachusetts,
                          known as Two Apple Hill, located at Two Apple Hill
                          Drive (formerly 598 Worcester Street).

Art. 2                    First Amendment Premises: An area on the second (2nd)
                                                    ---------------------------
                          floor of the Building, substantially as shown on Lease
                          ------------------------------------------------------
                          Plan, Exhibit 2, First Amendment
                          --------------------------------

Art. 3.1                  Term Commencement Date in respect of First Amendment
                          Premises:  December 5, 1999, subject to Paragraph 2 of
                                     ----------------
                          the First Amendment.

Art. 3.2                  Termination Date: August 31, 2003, subject to
                                            ---------------------------
                          Paragraph 2 of the Rider to the Lease.
                          -------------------------------------

Art. 4.3                  Final Plans Date:  Not applicable.
                                             --------------

Art. 5                    Use of Premises: General business offices, including,
                                           ------------------------------------
                          without limitation, sales, administration, software
                          ---------------------------------------------------
                          development, marketing and training.
                          -----------------------------------

                                       6
<PAGE>

Art. 6                    Yearly Rent:

                          Rent Commencement Date
                          in respect of First
                          Amendment Premises:  The later of: (x) January 4,
                                               ----------------------------
                                               2000, or (y) the date thirty (30)
                                               ---------------------------------
                                               days after the Term Commencement
                                               --------------------------------
                                               Date in respect of the First
                                               ----------------------------
                                               Amendment Premises
                                               ------------------

                          Time Period          Yearly Rent       Monthly Payment
                          -----------          -----------       ---------------

                          Rent Commencement
                          Date in respect of
                          First Amendment
                          Premises-
                          November 20, 2001    $198,700.00         $16,558.33

                          November 21, 2001-
                          November 20, 2002    $202,674.00         $16,889.50

                          November 21, 2002-
                          August 31, 2003      $210,622.00         $17,551.83

Art. 7                    Total Rentable Area
                          in respect of First Amendment Premises:  7,948 square
                                                                   -----
                          feet

                          Building Total Rentable Area:  127,227 square feet
                                                         -------

Art. 8                    Electric current will be furnished by Landlord to
                          Tenant. In consideration of Landlord providing
                          electric current to Tenant during the term of the
                          Lease, in accordance with Article 8.1, Tenant shall
                          pay to Landlord, as additional rent, at the same time
                          and in the same manner as Yearly Rent is paid under
                          the Lease, electricity rent ("Electricity Rent") in
                          the initial amount of $9,935.00 per annum (i.e., a
                          monthly payment of $827.92), subject to increase in
                          accordance with Article 8.1(b).

Art. 9                    Operating and Tax Escalation:

                          Operating Costs in the Base Year:
                                               The actual amount of Operating
                                               ------------------------------
                                               Costs for calendar year 1999,
                                               -----------------------------
                                               subject to Article 9.6 of the
                                               -----------------------------
                                               Lease
                                               -----

                          Tax Base:            The Tax Base shall be determined
                                               --------------------------------
                                               by multiplying:  (x) the tax rate
                                               ---------------------------------
                                               imposed by the Town of Natick on
                                               --------------------------------
                                               the Land and Building for
                                               -------------------------
                                               fiscal/tax year 2000 (i.e., July
                                               --------------------------------
                                               1, 1999 - June 30, 2000), by (y)
                                               --------------------------------
                                               the sum of the assessed value of
                                               --------------------------------
                                               the Building and the Land for
                                               -----------------------------
                                               fiscal/tax year 2000 (and
                                               -------------------------
                                               excluding the assessed value
                                               ----------------------------
                                               attributable to the Garage for
                                               ------------------------------
                                               fiscal/tax year 2001) plus the
                                               ------------------------------
                                               allocable shares (i.e., in
                                               --------------------------
                                               accordance with the provisions of
                                               ---------------------------------
                                               Article 9.1(d) of the Lease) of
                                               -------------------------------
                                               the assessed value of the Garage
                                               --------------------------------
                                               for fiscal/tax year 2001
                                               ------------------------

                          Tenant's
                          Proportionate Share:     6.25%
                                                   -----

Art. 29.3                 Co-Brokers:          Fallon Hines & O'Connor and
                                               ---------------------------
                                               Insignia/ESG
                                               ------------

Art. 29.5                 Arbitration:         Massachusetts:  Superior Court
                                               ------------------------------

                                       7
<PAGE>

                          Exhibit Dates:       Lease Plan, Exhibit 2, First
                                               ----------------------------
                                               Amendment, dated October 6, 1999
                                               --------------------------------

LANDLORD:                                      TENANT:
METROPOLITAN LIFE INSURANCE COMPANY            EDOCS, INC.
On behalf of a co-mingled separate account
By:  SSR Realty Advisors, Inc.,
    its Investment Advisor

By: /s/ A. Alan Bates, Senior Asset Manager    By: /s/ Kevin E. Laracey, CEO
    ---------------------------------------        ----------------------------
        (Name)                      (Title)           (Name)            (Title)
        Hereunto Duly Authorized                      Hereunto Duly Authorized

Date Signed:  10/19/99                         Date Signed:  10/15/99
            -------------------------------                --------------------

                                       8
<PAGE>

                             LEASE PLAN, EXHIBIT 2
                                FIRST AMENDMENT
                             DATE:  October 6, 1999

                                  [Floor Plan]
                                  eDocs, Inc.
                                 Two Apple Hill
                                   2nd Floor

                                       9<PAGE>

                                                                   Exhibit 10.11
                                                                   -------------

                       AGREEMENT FOR CONSULTING SERVICES

     THIS AGREEMENT is made effective this 1st day of [**], ("Effective Date")
between Technology Providers, Inc., a Massachusetts corporation having its
principal place of business at 176 East Main St., Suite 5, Westborough, MA 01581
("Consultant") and edocs, Inc., a Delaware corporation having its principal
place of business at 598 Worcester Rd., Apple Hill Building 2, Natick, MA 01780
("Customer").

     WHEREAS, the Customer wishes to engage the Consultant to provide software
development services on a fixed price basis, on a time and materials basis,
and/or on a retainer basis as hereinafter defined (collectively, the "Services")
and as detailed below and on Schedule A, attached hereto and incorporated
herein; and

     WHEREAS, Consultant is willing to provide such Services in consideration
for the Customer's payment and performance of its obligations as provided
herein.

     NOW, THEREFORE, the parties hereto, intending to be legally bound, hereby
agree as follows:

1.   Consultant's Services

     a.   Retainer Basis Services

          The Customer shall have the right to retain from Consultant a
          dedicated set of engineering and project management resources for the
          purposes of continuity on a project or set of projects ("Retainer
          Basis Services").  The Retainer Basis Services terms are based on the
          duration of the Agreement, the number of resources to be retained by
          the Customer, and a minimum notice period as set forth in Section 6(b)
          of this Agreement in the event that the Customer wishes to terminate
          the Retainer Basis Services of Consultant.

          Subject to Section 6(b) hereof, the minimum period for the Retainer
          Basis Services shall be [**] ([**]) months from the Effective Date of
          this Agreement ("Minimum Term").  During the Minimum Term, the monthly
          Retainer Base Services rates will be as set forth in Schedule A, and
          additional resources may be added to the group at the same rates for
          each category of resource as identified in Schedule A. For any renewal
          term after the Minimum Term, a rate increase may apply.  Such rate
          increase, however, will not be by more than [**] percent ([**]%) per
          annum over the rates applicable in the previous year.

__________________
[**] INDICATES MATERIAL THAT HAS BEEN OMITTED AND FOR WHICH CONFIDENTIAL
TREATMENT HAS BEEN REQUESTED.  ALL SUCH OMITTED MATERIAL HAS BEEN FILED WITH THE
SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 406 PROMULGATED UNDER THE
SECURITIES ACT OF 1933, AS AMENDED.
<PAGE>

                                      -2-

          The Customer will provide the Consultant with a list of projects that
          the Customer requests to be developed and/or maintained by the
          dedicated resources for the Retainer Basis Services. In response, the
          Consultant will provide the Customer with a proposed project plan that
          includes but is not necessarily limited to a description of how the
          resources may be deployed and details regarding the nature of the
          services and deliverables with respect to the Retainer Basis Services.
          The parties will work together and modify the project plan, if
          necessary, in order to reach agreement on the final project plan. The
          project plan may be modified from time to time by mutual agreement of
          the parties provided that in the event the Customer seeks additional
          Retainer Basis Services requiring additional resources, such resources
          will be quantified by the Consultant and submitted to the Customer,
          and the Customer may elect to increase the number of retained
          resources to perform such additional Retainer Basis Services in
          accordance with the rates set forth in Schedule A.

          The Retainer Basis Services are ideal on long projects where the
          learning curve associated with the technology does not warrant
          displacing or changing personnel dedicated to the Customer under any
          project and as such Consultant will preserve uninterrupted access and
          resource continuity across projects in accordance with the terms of
          paragraph 2(a) below.

     b.   Fixed Price Services

          Customer shall have the right to acquire from time to time certain
          specific Services to be performed on a fixed price basis under this
          Agreement ("Fixed Price Services").  The Consultant will charge the
          Customer a fixed price for Fixed Prices Services as mutually agreed to
          by the parties in advance of commencement of the Fixed Prices
          Services.  For all Fixed Price Services, the Customer must provide the
          requirements, the high level design, and the criteria upon which the
          completed project will be accepted.  The Consultant will review the
          requirements, determine the scope of the effort, and provide a project
          plan (which includes but is not necessarily limited to the details
          regarding the nature of the services and deliverables, the resources
          to be deployed and the timeline for completion) along with the fixed
          cost schedule to the Customer.  The parties will work together and
          modify the project plan, if necessary, in order to reach agreement on
          the final project plan.  Such Fixed Price Services will not commence
          until the parties have reached mutual agreement on such project plan
          and cost schedule.  The project plan (along with any resulting changes
          in the fixed cost schedule) may be modified from time to time by
          mutual agreement of the parties.

     c.   Time and Materials Services

          Customer shall have the right to acquire from time to time certain
          specific Services to be performed on a time and materials basis under
          this Agreement ("Time and Materials Services").  The daily rate for
          Time and Materials Services
__________________
[**] INDICATES MATERIAL THAT HAS BEEN OMITTED AND FOR WHICH CONFIDENTIAL
TREATMENT HAS BEEN REQUESTED.  ALL SUCH OMITTED MATERIAL HAS BEEN FILED WITH THE
SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 406 PROMULGATED UNDER THE
SECURITIES ACT OF 1933, AS AMENDED.
<PAGE>

                                      -3-

          is set forth in Schedule A and such rate shall be in effect for the
          Customer for the term of the Agreement. For any renewal term of the
          Agreement, a rate increase may apply. Such rate increase, however,
          will not be by more than [**] percent ([**]%) per annum over the rates
          applicable in the previous year. For all Time and Materials Services,
          the Customer must provide the requirements, the high level design,
          and, to the extent Customer elects at the start of any particular Time
          and Materials Services project to have acceptance criteria for the
          deliverables thereunder, the criteria upon which the completed
          projected will be accepted. The Consultant will review the
          requirements, determine the scope of the effort, and provide a project
          plan (which includes but is not necessarily limited to the details
          regarding the nature of the services and deliverables, the resources
          to be deployed and the timeline for completion) along with an
          estimated cost schedule to the Customer. The parties will work
          together and modify the project plan, if necessary, in order to reach
          agreement on the final project plan. Such Time and Materials Services
          will not commence until the parties have reached mutual agreement on
          such project plan and estimated cost schedule. The project plan (along
          with any resulting changes in the estimated cost schedule) may be
          modified from time to time by mutual agreement of the parties.

2.   consultants commitments

     a.   The Consultant will not reallocate resources providing the Services
          without the prior consent of the Customer as long as the Customer has
          contracted for such resources.  Consultant may, if necessary, replace
          such resources with resources of substantially similar background and
          skill, subject to Customer's prior approval, which shall not be
          unreasonably withheld.

     b.   The Consultant will provide local U.S.-based project management for
          all Services.

     c.   The Consultant will provide weekly written status reports for the
          Services that at a minimum include the following: date, name of
          developer(s), description of activities engaged in for the prior week,
          and status of the project responsibilities to which each such
          developer is assigned.

     d.   The Consultant will update the [**] log system or such other tracking
          system as the Customer may choose to implement (details to be added by
          team) on a daily basis for all Services.  Without limiting the
          generality of the foregoing, the Consultant will provide the Customer
          with all repository backups of all software and materials created by
          Consultant under this Agreement on a [**] basis, or such other
          frequency as may be mutually agreed between the parties.

__________________
[**] INDICATES MATERIAL THAT HAS BEEN OMITTED AND FOR WHICH CONFIDENTIAL
TREATMENT HAS BEEN REQUESTED.  ALL SUCH OMITTED MATERIAL HAS BEEN FILED WITH THE
SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 406 PROMULGATED UNDER THE
SECURITIES ACT OF 1933, AS AMENDED.
<PAGE>

                                      -4-

     e.   For all Services, the Consultant will make available on a shared
          source basis all source code, such that the latest source code is
          always available to Customer's development staff, in accordance with
          the system implemented by the Customer and Consultant.

     f.   For all Services, the Consultant will meet agreed upon deadlines,
          unless delays are caused by the Customer's change to the scope of a
          project, the Customer's change to the priorities of a project or
          unless such delay falls under the provisions of Section 22 hereof
          (provided however that in any of these cases the parties will mutually
          agree to revised deadlines).

     g.   The Consultant will equip each of its personnel performing Services
          hereunder with his or her own personal computer and the Microsoft
          suite of software, including without limitation, Microsoft development
          tools, required to develop the software and perform the Services being
          delivered hereunder.

3.   customer's commitments

     a.   With respect to all Services, the Customer understands and agrees that
          all of the Consultant's offshore resources as noted in the applicable
          project plan (and in the case of Retainer Basis Services, Schedule A)
          will work in Colombo, Sri Lanka, and will not be available to work at
          the Customer's premises, except where specifically provided in
          Schedule A as "US",  Notwithstanding the foregoing, at the request of
          Customer, Consultant shall provide for short term engagements which
          typically last approximately [**] ([**]) to [**] ([**]) months, of
          mutually agreed to Sri Lanka-based personnel of Consultant who will
          travel to the U.S. to undertake specific activities as such activities
          are mutually agreed to by the parties, including, but not limited to,
          training, knowledge transfer, provision of support for special
          releases, and the like ("Local Services").  With respect to Retainer
          Basis Services, the incremental increase in the Retainer Basis
          Services rate for Local Services provided by the Sri Lanka-based
          resources shall be as set forth under the heading "Cost of Living
          Adjustment for Local Services for Retainer Basis Services" on Schedule
          A.  With respect to Time and Materials Services, the incremental
          increase in the Time and Materials daily rate for Local Services
          provided by the Sri Lanka-based resources shall be as set forth under
          the heading "Cost of Living Adjustment for Local Services for Offshore
          Personnel Time and Materials Services" on Schedule A.  The Customer
          shall incur no other costs for utilizing Local Services other than
          reimbursement for the travel expenses

__________________
[**] INDICATES MATERIAL THAT HAS BEEN OMITTED AND FOR WHICH CONFIDENTIAL
TREATMENT HAS BEEN REQUESTED.  ALL SUCH OMITTED MATERIAL HAS BEEN FILED WITH THE
SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 406 PROMULGATED UNDER THE
SECURITIES ACT OF 1933, AS AMENDED.
<PAGE>

                                      -5-

          from Sri Lanka to the US and back of individuals agreed to by the
          parties who are providing such Local Services in accordance with
          Section 5(d) hereof and out-of-pocket travel, living and lodging
          expenses incurred by such personnel for preapproved travel within the
          US in accordance with the terms of Section 5(d) below.

     b.   The Customer shall notify Consultant of any changes in management at
          the vice president level or above, and of mergers or acquisitions that
          have a material impact on the relationship between the Consultant and
          the Customer which are not of a confidential nature within a
          reasonable time after the occurrence thereof Thirty days after the
          occurrence of such event is considered reasonable.

     c.   Customer shall be responsible for providing the following:

          i)     timely and accurate information as reasonably required by
                 Consultant to fulfill its responsibilities under this
                 Agreement; and

          ii)    timely access to appropriate Customer personnel; and

          iii)   if needed, timely computer access to Customer's computers in
                 the areas determined by Customer to be necessary to enable
                 Consultant to perform the Services hereunder (via
                 communications and onsite, as appropriate), and a dedicated
                 test environment therein for Consultant's developmental use;
                 and

          iv)    timely and accurate definition of test data files and timely
                 delivery of a static copy of the test data files to serve as a
                 standard to determine performance of Consultant under this
                 Agreement. The test data files are not to be changed by
                 Customer so long as Consultant has development or maintenance
                 responsibilities under this Agreement; and

          v)     timely and accurate creation of any new data sets requested by
                 Consultant as being needed for development or testing, such
                 data sets then to be changed only as approved by Consultant;
                 and

          vi)    timely and accurate definitions of Customer programs to the
                 extent that Consultant's use or connection is required for
                 development and testing; and

          vii)   any appropriate hardware and software (e.g., compilers and
                 third party tools) that are identified by mutual agreement of
                 the parties under the project plan to be loaned, such loan to
                 continue so long as Consultant has any development or
                 maintenance responsibilities under this Agreement (or, if
                 earlier, upon request of Customer) on such terms as the parties
                 mutually agree to in writing in advance of such loan (or
                 alternatively,

__________________
[**] INDICATES MATERIAL THAT HAS BEEN OMITTED AND FOR WHICH CONFIDENTIAL
TREATMENT HAS BEEN REQUESTED.  ALL SUCH OMITTED MATERIAL HAS BEEN FILED WITH THE
SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 406 PROMULGATED UNDER THE
SECURITIES ACT OF 1933, AS AMENDED.
<PAGE>

                                      -6-

                 reimbursement by Customer of the costs incurred by Consultant
                 in obtaining appropriate hardware and software directly on such
                 terms as the parties mutually agree to in writing in advance of
                 such acquisition by Consultant) provided however that in either
                 such case Consultant shall comply with the terms and conditions
                 of all hardware agreements and software licenses applicable to
                 such hardware and software (such hardware and software being
                 referred to herein as the "Third Party Equipment"); and

          viii)  pursuant to the terms of Section 4(c) of this Agreement, prompt
                 provision of all approvals and/or acceptances of the Services
                 or portions thereof as are requested by Consultant in
                 accordance with the applicable project plan or prompt
                 notification to Consultant in writing of any deficiencies which
                 result in failure to approve or accept any Services in
                 sufficient detail to enable Consultant to make any necessary
                 changes or develop any appropriate workaround and re-submit for
                 approval or acceptance; and

          ix)    maintenance, licenses, shipping, installation or deinstallation
                 charges (or reimbursement thereof, as applicable) related to
                 the Third Party Equipment, subject to the terms of Section
                 3(c)(vii) above and on such terms as the parties mutually agree
                 to in writing in advance.

     d.   If at any time with respect to Fixed Price Services only Customer
          fails to fulfill Customer's responsibilities in a timely and accurate
          manner in Consultant's reasonable judgment, Consultant reserves the
          right to notify Customer, stop work and re-negotiate the price and/or
          terms of performance for such Fixed Priced Services and, if no
          agreement is reached within a period of [**] ([**]) weeks, to bill
          Customer, on a time and materials basis for Consultant's software
          efforts to date, but such billing shall not exceed the total amount
          that would have otherwise been payable under the Fixed Price Services
          model pro rated for work that has occurred and been accepted by
          Customer in accordance with the terms of Section 4(c) of this
          Agreement prior to such notification by Consultant under this
          paragraph.  By way of example, if the Fixed Prices Services total cost
          is $[**] and [**]% of the work for the Fixed Price Services had been
          accepted on the date of such notice then the time and material charges
          referred to above may not exceed $[**] less any payments previously
          made by Customer to Consultant related to such Fixed Price Services.

__________________
[**] INDICATES MATERIAL THAT HAS BEEN OMITTED AND FOR WHICH CONFIDENTIAL
TREATMENT HAS BEEN REQUESTED.  ALL SUCH OMITTED MATERIAL HAS BEEN FILED WITH THE
SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 406 PROMULGATED UNDER THE
SECURITIES ACT OF 1933, AS AMENDED.
<PAGE>

                                      -7-

4.   delivery, testing and acceptance

     a.   timely implementation

          Customer and Consultant acknowledge that the cooperation of both
          parties is necessary for timely performance of the Services
          contemplated hereunder.

     b.   Delivery of the Software

          The software work product furnished by Consultant under this Agreement
          in connection with performance of the Services will be furnished in
          commented source code form.  Consultant shall also provide or make
          available all object code, executable code, and all related design
          documentation to the software (all such source code, object code,
          executable code and related design documentation referred to
          collectively as the "Software") in accordance with the Customer's
          system for transferring, storing, and sharing information related to
          the Software.

     c.   Software Acceptance

          With respect to Fixed Price Services and Time and Materials Services
          in which the parties mutually agree to acceptance criteria, upon
          completion of its development of the Software, or any portion thereof,
          as determined by Customer, Consultant will make such Software
          available to Customer in accordance with Sections 2(e) and 4(b) hereof
          and Customer will verify that such Software meets the Acceptance
          Criteria as defined below.  The Software will be deemed accepted by
          Customer (the "Acceptance Date") when Customer notifies Consultant
          that the Software has successfully satisfied the acceptance criteria
          on the test files and data sets all as established by Consultant and
          approved by Customer prior to testing ("Acceptance Criteria").  In the
          event that Customer determines that there are any deficiencies in the
          Software meeting such Acceptance Criteria then Consultant will
          promptly correct such deficiencies at no charge to Customer at which
          point Customer will retest the Software, such process to be repeated
          until such time as the Acceptance Criteria are met.  Such Acceptance
          Criteria may be modified from time to time by Customer with
          Consultant's consent, which shall not be unreasonably withheld.  Use
          of a portion of the Software subject to an acceptance test in
          productive use shall constitute acceptance of that portion.

     d.   Modifications

          To the extent that Customer makes any modifications or error
          corrections to the Software Customer shall utilize Customer's log
          system for such modifications and error corrections.  Consultant shall
          have access to such system for so long as Consultant has any
          development or maintenance responsibilities under this Agreement.
          Consultant shall be responsible for maintaining Customer-modified
          portions of the Software.  With respect to Fixed Price Services,
          efforts to correct or diagnose difficulties or defects traceable to
          Customer's modifications or error corrections to the Software not
          specifically approved by Consultant in writing will be billed
          separately at the time and materials rates set forth on Exhibit A.
          The parties shall cooperate in the modification of the Software as
          described in this

__________________
[**] INDICATES MATERIAL THAT HAS BEEN OMITTED AND FOR WHICH CONFIDENTIAL
TREATMENT HAS BEEN REQUESTED.  ALL SUCH OMITTED MATERIAL HAS BEEN FILED WITH THE
SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 406 PROMULGATED UNDER THE
SECURITIES ACT OF 1933, AS AMENDED.
<PAGE>

                                      -8-

          paragraph and the correction of any errors, defects or Software
          problems during the term of this Agreement with respect to Software
          developed under the Retainer Basis Services and Time and Materials
          Services models and Consultant will upon request of Customer make such
          modifications and corrections of any errors, defects or Software
          problems during the term of this Agreement with respect thereto.

5.   Compensation; Payment; Reimbursements

     a.   In exchange for the full, prompt and satisfactory performance of
          Services by Consultant, Customer shall compensate Consultant at the
          rates set forth in Schedule A for Retainer Basis Services and Time and
          Materials Services and per mutual agreement of the parties for Fixed
          Price Services (based upon the Time and Materials Services rates set
          forth on Schedule A), all as referenced in Section 1 above.

     b.   At the end of each calendar month Consultant will submit invoices for
          Retainer Basis Services and Time and Materials Services performed
          during that calendar month to Customer. All payments shall be made in
          U.S. Dollars within [**] ([**]) days of the date of receipt of
          invoice. Fixed Price Services will be invoiced and paid in accordance
          with the terms mutually agreed to by the parties in writing in advance
          of each such engagement. Consultant reserves the right to add a late
          charge not exceeding [**] percent ([**]%) per month, or fraction
          thereof, for Customer's failure to make a payment within [**] ([**])
          days of the date of receipt of invoice.

     c.   Customer shall pay all applicable sales, use and other taxes, except
          for taxes based on Consultant's income, along with duties and customs
          charges imposed on the sale or purchase of Services. If a certificate
          of exemption or similar document or proceeding is to be made in order
          to exempt the sale from sales or use tax liability, the Customer will
          obtain and pursue such certificate, document or proceeding.

     d.   Except as specifically noted below in this paragraph, Customer shall
          reimburse Consultant for all out-of-pocket travel, lodging and living
          expenses incurred by Consultant in performing its responsibilities
          under this Agreement, provided such expenses are reasonable, are pre-
          approved by Customer and are in accordance with Customer's then-
          current travel and expense policy. Notwithstanding the foregoing, with
          respect to Consultant's personnel performing Local Services there will
          be travel reimbursements for travel from Sri Lanka to the US and back
          only in accordance with the above (and no lodging and living expense
          reimbursements, as these costs are included in the "Cost of Living
          Adjustment" set forth on Schedule A for Local Services for the
          applicable category of Services being provided by such personnel,
          other than out-of-
<PAGE>

                                      -9-

          pocket travel, living and lodging expenses incurred by such personnel
          for pre-approved travel within the US in accordance with the terms of
          this Section 5(d).

6.   Term: Termination

     a.   The term of this Agreement shall be for [**] ([**]) years commencing
          on the 1st day of [**] and ending on the [**] day of [**], subject to
          earlier termination in accordance with the terms of this Section 6.

     b.   Notwithstanding anything else in this Agreement to the contrary,
          Customer may terminate this Agreement or any Services being provided
          hereunder at any time upon [**] days notice to Consultant subject to
          the following exceptions with respect to Retainer Basis Services being
          terminated during the Minimum Term by Customer and subject to the
          termination rights of the parties under Section 6(c):

<TABLE>
<S>                                                               <C>
     Total Monthly Fee for Retainer Basis Services after          Notice Required to Terminate
      reduction for Monthly Retainer Basis Services Fees          Applicable Retainer Basis
      Relating to Current Termination and previous terminations   Services
      ("Remaining Monthly Fee" )*
-----------------------------------------------------------------------------------------------
          $[**]                                                        [**] days
-----------------------------------------------------------------------------------------------
          $[**]                                                        [**] Months
-----------------------------------------------------------------------------------------------
          $[**]                                                        [**] Months
-----------------------------------------------------------------------------------------------
          $[**]                                                        [**] Months
-----------------------------------------------------------------------------------------------
</TABLE>

     *    To the extent that termination of a particular person causes the
          total monthly fee for Retainer Basis Services to reduce from one
          dollar threshold category set forth above to the next, the notice
          period for such person shall fall into the higher dollar threshold
          category set forth above.

          The Consultant, therefore, will be entitled to continue to bill and
          receive payment from the Customer for the monthly retainer fee set
          forth in Schedule A for the Retainer Basis Services (less any
          reductions resulting from previous terminations of Retainer Basis
          Services) for a period equal to the number of months corresponding to
          the applicable notice period set forth in the above table (the
          "Applicable Notice Period") after the first of the month in which
          Customer gives Consultant notice of such termination in accordance
          with the terms of this Agreement.  Notwithstanding the previous
          provisions of this Section 6(b) relating to Retainer Basis Services,
          in the event that Customer terminates Retainer Basis Services on more
          than one occasion during a [**] day period (which [**] day period
          commences on the first such termination), then the Applicable Notice
          Period corresponding to the Remaining Monthly Fee at the end of such
          [**] day

__________________
[**] INDICATES MATERIAL THAT HAS BEEN OMITTED AND FOR WHICH CONFIDENTIAL
TREATMENT HAS BEEN REQUESTED.  ALL SUCH OMITTED MATERIAL HAS BEEN FILED WITH THE
SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 406 PROMULGATED UNDER THE
SECURITIES ACT OF 1933, AS AMENDED.
<PAGE>

                                      -10-

          period shall apply to all terminations during that [**]-day period. A
          new [**] day period shall commence upon the day of the first
          termination of Retainer Basis Services which occurs after the end of
          the previous [**] day period. (By way of example under the previous
          two sentences, if the First termination of Retainer Basis Services
          occurs on [**] resulting in a Reduced Monthly Fee of $[**] and thus a
          corresponding Applicable Notice Period for such first termination of
          [**] months and the second termination of Retainer Basis Services
          occurs on [**] resulting in a Reduced Monthly Fee of $[**] and thus a
          corresponding Applicable Notice Period for such second termination of
          [**] months, since both terminations occurred within the [**] day
          period after [**] (the First termination date) then the Applicable
          Notice Period for both terminations is [**] months. If the next
          termination occurs on [**] then the next [**] day period commences on
          [**].) Such Customer payments will be made irrespective of whether the
          Customer is using the Consultant's Retainer Basis Services; provided
          however, during such Applicable Notice Period the Customer shall have
          the right to continue receiving the Retainer Basis Services in
          accordance with the terms of this Agreement provided further however
          that Customer may modify the project plan with the consent of
          Consultant, which consent will not be unreasonably withheld, in order
          to make best use of the resources which modification may include
          reallocating the category of resources to be used under the Retainer
          Basis Services. Furthermore, notwithstanding anything else in this
          Agreement to the contrary, Customer may elect to change the category
          of Retainer Basis Services personnel (and thus the related monthly
          fees) which it utilizes upon [**] days notice to Consultant and
          Consultant shall make such changes within such [**] day period
          provided however that if Consultant is able to make such change in
          less than such [**] day period then the appropriate rates for such new
          category of Retainer Basis Services shall be effective on the date of
          such change.

     c.   Customer may terminate the Agreement for breach by Consultant of the
          terms of Sections 8, 9 or 11 hereof, misappropriation by Customer of
          any intellectual property of Consultant, misappropriation by Customer
          of any Customer supplied hardware, software or other items provided by
          Customer to Consultant hereunder or breach by Consultant of any terms
          of the software license or hardware agreements relating to such
          Customer supplied hardware or software, failure by Consultant to
          provide the requisite number of personnel resources and/or the
          requisite category of personnel resource under the Retainer Basis
          Services as set forth in Schedule A (as it may be amended by the
          parties from time to time), failure to promptly replace personnel
          whose work is of poor quality as determined by Customer acting in a
          commercially reasonable manner and failure of Consultant to attempt to
          perform its duties hereunder in a professional workmanlike manner,
          provided in all such events Customer has given Consultant notice of
          such breach and there has been a failure to cure such breach within
          [**] ([**]) days after receipt of

__________________
[**] INDICATES MATERIAL THAT HAS BEEN OMITTED AND FOR WHICH CONFIDENTIAL
TREATMENT HAS BEEN REQUESTED.  ALL SUCH OMITTED MATERIAL HAS BEEN FILED WITH THE
SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 406 PROMULGATED UNDER THE
SECURITIES ACT OF 1933, AS AMENDED.
<PAGE>

                                      -11-

          such notice. Consultant may terminate the Agreement for breach by
          Consultant of its indemnification obligations under Section 11(b)
          hereof. The provisions of Section 6(b) do not apply with respect to
          terminations pursuant to this Section 6(c).

     d.   In the event of any termination, Customer shall pay Consultant for all
          Services actually performed through the date of termination and shall
          reimburse Consultant for all previously approved travel, living and
          lodging expenses and Cost of Living Adjustments actually incurred and
          otherwise due hereunder by Consultant through the date of termination
          provided however that with respect to Fixed Price Services the
          determination of fees due for Services actually performed shall be as
          mutually agreed to by the parties in writing in advance of each such
          engagement.

     e.   All deliverables produced hereunder (the "Work Product") (whether or
          not complete), including without limitation, Software and
          documentation, records, data, documents and other written and
          electronic materials related to any of the foregoing items, created by
          Consultant and all items coming into Consultant's possession during
          the term of this Agreement, including without limitation, the
          Confidential Information of Customer and all equipment, software, or
          other materials on loan to Consultant by the Customer under this
          Agreement or for which Customer has provided Consultant reimbursement
          hereunder, shall be the sole and exclusive property of the Customer
          and shall be delivered promptly to the Customer, together with all
          copies thereof, upon termination or expiration of this Agreement or
          upon the request of the Customer.

7.   independent contractor

     It is expressly understood and agreed that during the term of this
Agreement, Consultant's relationship to Customer shall be that of an independent
contractor and that neither this Agreement nor the Services to be rendered
hereunder shall for any purpose whatsoever or in any way or manner create any
employer-employee relationship.  Accordingly, Consultant acknowledges that it
has no right to participate in any Customer benefit programs or to receive any
Customer benefits.  Consultant shall have sole and exclusive responsibility for
the payment of all federal, state and local income taxes, for all worker's
compensation, employment and disability insurance and for social security and
other similar taxes with respect to any Services provided by Consultant
hereunder.  Consultant shall assume and accept all responsibilities which are
imposed on independent contractors by any federal, state or local law, statute,
regulation, rule, ordinance or otherwise.  Consultant is not authorized to bind
Customer or to incur any obligation or liability on behalf of Customer except as
expressly authorized by Customer in writing.

8.   Restrictions on Disclosure of Proprietary Information

     Customer confirms its agreement to continue to abide by the terms and
conditions of the Confidentiality Agreement between the parties, a copy of which
is attached hereto and incorporated herein as Schedule B. Customer shall ensure
that all of its employees and permitted Subcontractors (as defined in Schedule
B) abide by the terms and conditions of this Section 8 per the terms of the
attached Confidentiality Agreement.

__________________
[**] INDICATES MATERIAL THAT HAS BEEN OMITTED AND FOR WHICH CONFIDENTIAL
TREATMENT HAS BEEN REQUESTED.  ALL SUCH OMITTED MATERIAL HAS BEEN FILED WITH THE
SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 406 PROMULGATED UNDER THE
SECURITIES ACT OF 1933, AS AMENDED.
<PAGE>

                                      -12-

9.   Proprietary Rights in the Software

     a.   As between Customer and Consultant, all right, title, and interest
          including copyright interests and any other intellectual property, in
          and to the Work Product and Inventions (as defined below), including
          but not limited to Software (as defined above), data, templates or
          materials produced or provided by Consultant hereunder shall be the
          property of Customer. The Work Product shall be deemed a "work made
          for hire" under the copyright laws of the United States. Consultant
          hereby expressly and irrevocably assigns to Customer all of
          Consultant's rights, title and interest in and to the Work Product and
          Inventions identified herein. Consultant shall execute or cause to be
          executed any documents as may be necessary and take such other action
          as may be necessary to vest full title and ownership in Customer of
          any Work Product and Inventions. Notwithstanding Customer's ownership
          of the Work Product and Inventions as described above, Consultant
          shall be free to use for Consultant's business purposes any general
          and non-tangible ideas, concepts and techniques of general utility
          utilized in the Software, provided however that in no event shall the
          Software be used by Consultant or disclosed by Consultant to any third
          party.

          Consultant agrees that it will promptly disclose to Customer all
          designs, processes, formulae, technologies, know-how, intellectual
          property, systems, trade secrets, inventions, discoveries, copyrights,
          improvements and patent or patent rights conceived, reduced to
          practice, devised or developed in connection with the Work Product or
          otherwise arising or resulting from this Agreement or any previous
          agreement between the parties ("Inventions") upon their discovery or
          invention by Consultant, its employees, agents or representatives and,
          in any event, upon the request of the Customer. Consultant agrees to
          render to the Customer all such assistance as the Customer may require
          in the prosecution or defense of all interferences which may be
          declared involving any of said Inventions. The Customer agrees to pay
          all reasonable fees and expenses incurred by Consultant for any
          assistance rendered to the Customer pursuant to this Section.

     b.   Consultant agrees that if Customer is unable because of Consultant's
          unavailability, dissolution, or for any other reason, to secure the
          signature of an authorized agent of Consultant to apply for or to
          pursue any application for any United States or foreign patents, mask
          work, copyright or trademark registrations covering the assignment to
          Customer above, then Consultant hereby irrevocably designates and
          appoints Customer and its duly authorized officers and agents as
          Consultant's agent and attorney in fact, to act for and in
          Consultant's behalf and stead to execute and file any such
          applications and to do all other lawfully permitted acts to further
          the prosecution and issuance of patents, copyright, mask work and
          trademark registrations thereon with the same legal force and effect
          as if executed by an authorized agent of Consultant.

__________________
[**] INDICATES MATERIAL THAT HAS BEEN OMITTED AND FOR WHICH CONFIDENTIAL
TREATMENT HAS BEEN REQUESTED.  ALL SUCH OMITTED MATERIAL HAS BEEN FILED WITH THE
SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 406 PROMULGATED UNDER THE
SECURITIES ACT OF 1933, AS AMENDED.
<PAGE>

                                      -13-

     c.   Consultant represents and warrants that it has full and sufficient
          right and authority to perform its obligations under this Agreement
          and the performance hereunder by Consultant is not in conflict with
          any agreement of Consultant or any law by which Consultant is bound.
          Consultant represents, warrants and covenants that in performing its
          services and obligations under this Agreement, Consultant shall not
          infringe any intellectual property or other proprietary right of any
          third party.

10.  Software Warranty and Disclaimer

     a.   With respect to Fixed Price Services and Time and Materials Services
          in which the parties mutually agree to acceptance criteria, for [**]
          ([**]) days following the Acceptance Date of the Software as described
          in Section 4(c) above, Consultant warrants that the Software will
          comply with the Acceptance Criteria and Consultant will at its sole
          cost design, code, checkout, document and deliver promptly any
          amendments or alterations to the Software that may be required to
          cause the Software to meet the Acceptance Criteria on the applicable
          test files and data sets.  This warranty is contingent upon Customer
          advising Consultant in writing of such errors within [**] ([**]) days
          from the Acceptance Date and by providing Consultant with sufficient
          information to replicate the error and provide the correction thereof
          or provide a suitable workaround.  This warranty does not apply to
          problems that occur in relation to any modification to the Acceptance
          Criteria that is introduced after Acceptance Date of the Software
          other than modifications introduced to attempt to cause the Software
          to meet the Acceptance Criteria.

     b.   Customer acknowledges that the Software is to be partially integrated
          with Customer's own software and that Consultant is responsible for
          providing maintenance for any failure of the Software attributable
          directly or indirectly to capacity, inconsistency or any other
          problems with Customer's software.

     c.   EXCEPT FOR THE WARRANTIES PROVIDED BY CONSULTANT UNDER 9(c), AND 10(a)
          ABOVE AND CONSULTANT'S WARRANTY REGARDING YEAR 2000 COMPLIANCE IN
          SECTION 20 BELOW, EACH PARTY DISCLAIMS ALL WARRANTIES WITH REGARD TO
          THE SOFTWARE AND SERVICES PROVIDED HEREUNDER, INCLUDING ALL IMPLIED
          WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

__________________
[**] INDICATES MATERIAL THAT HAS BEEN OMITTED AND FOR WHICH CONFIDENTIAL
TREATMENT HAS BEEN REQUESTED.  ALL SUCH OMITTED MATERIAL HAS BEEN FILED WITH THE
SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 406 PROMULGATED UNDER THE
SECURITIES ACT OF 1933, AS AMENDED.
<PAGE>

                                      -14-

11.  Indemnities

     a.   Consultant shall defend Customer immediately and indemnify and hold
          harmless Customer and its customer and business partners from and
          against any and all suits, actions, damages, costs, losses, expenses
          (including reasonable attorney's fees) and other liabilities resulting
          from any third party's claims (or any settlement agreed to by
          Consultant in favor of such third party resulting from such third
          party's claims) alleging that the Work Product or any Invention
          infringes any of the following of such third party; (i) patent, (it)
          trademark, (iii) copyright or (iv) trade secret. Should the Work
          Product or any Invention become, or in Consultant's opinion be likely
          to become, the subject of a claim of infringement. Consultant shall,
          at Consultant's option, (a) obtain for Customer the right to continue
          using the Work Product or any Invention pursuant to the terms and
          conditions of this Agreement; or (b) replace or modify, at no cost to
          Customer, the Work Product or any Invention so that it becomes non-
          infringing but functionally equivalent. Such indemnification
          obligation shall not apply to any claim based on or arising from (A)
          software not claimed to be developed by or on behalf of Consultant,
          (B) the combination of the Work Product with other products not
          claimed to be owned or developed by or on behalf of Consultant and not
          designed or intended to operate with the Work Product, provided the
          infringement arises in connection with the combination, (C) the
          failure of Customer or an end user to use updated or corrected Work
          Product provided by Consultant, or (D) the failure of Customer or an
          end user to use the Work Product for its intended purposes. Customer
          shall give prompt written notice to Consultant of any claim under this
          paragraph and Consultant shall have the right to assume the defense of
          such claim and select counsel. Consultant will have the right to
          consent to the entry of judgment with respect to, or otherwise settle
          such claim. Customer shall cooperate in the defense or prosecution of
          such claim.

     b.   Customer shall defend Consultant immediately and indemnify and hold
          harmless Consultant from and against direct damages actually awarded
          against Consultant to a third party resulting from such third party's
          claims (or any settlement for direct damages agreed to by Customer in
          favor of such third party resulting from such third party's claims)
          based on the inadequacy and inaccuracy of the Software for its
          intended purpose which Customer licensed to such third party.
          Consultant shall give prompt written notice to Customer of any claim
          under this paragraph and Customer shall have the right to assume the
          defense of such claim and select counsel. Customer will have the right
          to consent to the entry, of judgment with respect to, or otherwise
          settle such claim Consultant shall cooperate in the defense or
          prosecution of such claim. The maximum aggregate liability of Customer
          for all occurrences under this paragraph is $[**].

12.  Limitation of Damages

     TO THE EXTENT PERMITTED BY APPLICABLE LAW, EXCEPT FOR (A) CONSULTANT'S
INDEMNIFICATION OBLIGATIONS UNDER SECTION 11(a) ABOVE,

__________________
[**] INDICATES MATERIAL THAT HAS BEEN OMITTED AND FOR WHICH CONFIDENTIAL
TREATMENT HAS BEEN REQUESTED.  ALL SUCH OMITTED MATERIAL HAS BEEN FILED WITH THE
SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 406 PROMULGATED UNDER THE
SECURITIES ACT OF 1933, AS AMENDED.
<PAGE>

                                      -15-

AND FOR (B) DAMAGES ARISING OUT OF CONSULTANT'S BREACH OF ITS OBLIGATIONS UNDER
SECTIONS 8 AND 9 ABOVE, IN NO EVENT SHALL EITHER PARTY, ITS AFFILIATES, OFFICERS
OR EMPLOYEES BE LIABLE TO THE OTHER PARTY OR ANY OTHER PERSON OR ENTITY FOR ANY
SPECIAL, INCIDENTAL, INDIRECT, CONSEQUENTIAL, PUNITIVE, MULTIPLE OR RELIANCE
DAMAGES WHATSOEVER, WHETHER SUCH ALLEGED DAMAGES ARE ALLEGED IN CONTRACT, TORT
OR OTHERWISE (INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, LOSS OF
SAVINGS, LOSS OF DATA, BUSINESS INTERRUPTION, LOSS OF BUSINESS INFORMATION OR
LOSS OF USE DAMAGES) EVEN IF ANY SUCH ENTITY IS MADE AWARE OF THE POSSIBILITY OF
SUCH DAMAGES OR IF THE DAMAGES ARE FORESEEABLE.

13.  Assignment

     Consultant shall not assign or transfer all or part of its rights or
obligations under this Agreement nor subcontract any of its obligations under
this Agreement without the prior written consent of Customer and without causing
such assignee, transferee or subcontractor to be bound in writing by the terms
of this Agreement as if it were Consultant.  Customer shall have the right to
assign or transfer all or part of its rights or obligations hereunder without
the consent of Consultant.

14.  Notices

     Any notices required under this Agreement may be hand delivered or shall be
deemed received [**] ([**]) business days after mailing as certified mail,
return receipt requested, or via overnight express delivery, to the following
addresses:

     If to Consultants:       Attn:  General Manager
                                     Technology Providers. Inc.
                                     176 E. Main Street
                                     Suite 5
                                     Westborough, MA 01581
                                     USA

     If to Customer:          Attn:  CEO
                                     edocs, Inc.
                                     Apple Hill, Building 2
                                     598 Worcester Road
                                     Natick, MA 01760
                                     USA
__________________
[**] INDICATES MATERIAL THAT HAS BEEN OMITTED AND FOR WHICH CONFIDENTIAL
TREATMENT HAS BEEN REQUESTED.  ALL SUCH OMITTED MATERIAL HAS BEEN FILED WITH THE
SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 406 PROMULGATED UNDER THE
SECURITIES ACT OF 1933, AS AMENDED.
<PAGE>

                                      -16-

15.  Arbitration

     If any dispute arises under this Agreement, the parties agree that a good
faith attempt to resolve the dispute shall be made by presenting the position of
the parties to the President of the Consultant and the President of the
Customer, or person designated by them, at a meeting at a neutral site.  If no
such meeting can be arranged within [**] ([**]) weeks from any request for such
a meeting or if the identified individuals are unable to reach agreement within
[**] ([**]) week after such meeting or if the delays inherent in this dispute
resolution process would cause undue harm to either party as reasonably
determined by the party alleging to experience such harm, the parties agree that
the dispute shall be resolved by binding arbitration by three arbitrators, one
chosen by Customer, one chosen by Consultant and one chosen by the two so
chosen, in the City of Boston, Massachusetts, under the rules of the American
Arbitration Association, and that the award shall be enforceable under any court
having jurisdiction thereof.  Notwithstanding the foregoing, either party has
the right to file a claim against the other in a court of competent jurisdiction
within the Commonwealth of Massachusetts in the event that Consultant allegedly
breaches (i) any obligation of confidentiality, including without limitation the
obligations under Sections 8, or (ii) Section 9 of this Agreement or Consultant
otherwise infringes any of Customer's intellectual property rights.

16.  Governing Law

     This Agreement will be interpreted and governed by the laws of the
Commonwealth of Massachusetts, exclusive of its conflicts of law provisions.
Customer and Consultant each consent to the exclusive personal jurisdiction and
venue in the State and Federal courts within Essex and Suffolk counties,
Massachusetts.  The parties hereby waive any law that might provide for an
alternative law or forum.

17.  Non-Solicitation

     Except as otherwise agreed to in writing by the parties including, without
limitation, agreeing to the amount of the fee to be paid by the hiring party to
the non-hiring, party, the parties agree that during the term of this Agreement,
and for a period of [**] ([**]) months after termination of this Agreement,
neither party shall directly or indirectly solicit for employment, employ or
engage as a consultant any person employed then or within the preceding, year by
the other party and who come in contact with persons directly or indirectly in
the performance of this Agreement.

18.  Modification of the Agreement

     This Agreement may only be modified by a written agreement duly signed by
persons authorized to sign agreements on behalf of Customer and of Consultant,
and variance from the terms and conditions of this Agreement in any purchase
order or any other written notification from the Customer will be of no effect.

__________________
[**] INDICATES MATERIAL THAT HAS BEEN OMITTED AND FOR WHICH CONFIDENTIAL
TREATMENT HAS BEEN REQUESTED.  ALL SUCH OMITTED MATERIAL HAS BEEN FILED WITH THE
SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 406 PROMULGATED UNDER THE
SECURITIES ACT OF 1933, AS AMENDED.
<PAGE>

                                      -17-

19.  Enforceability

     If any provision or provisions of this Agreement shall be held to be
invalid, illegal or unenforceable, the validity, legality and enforceability of
the remaining provisions shall not in any way be affected or impaired thereby.

20.  Y2K Compliance

     With respect to Fixed Price Services and Time and Materials Services in
which the parties mutually agree in advance that the Software developed in
connection with such services will be Year 2000 compliant, Consultant represents
and warrants to Customer that such Software delivered to the Customer hereunder
shall be "Year 2000 Compliant".  "Year 2000 Compliant" means that the Software,
when used in accordance with its associated documentation, has been designed and
tested by the Consultant and will be capable of correctly processing,
displaying, providing and/or receiving "DATE" data type and associated calendar
arithmetic over a broad range of dates, including the year 2000 and beyond, but
only to the extent that the Software is intended to so process, display, provide
and/or receive "DATE" data type and associated calendar arithmetic.
Notwithstanding the foregoing, this warranty shall not apply to any problems
associated with software, firmware, products or other technology with which the
Software is combined, exchanges data and/or interoperates, provided such item
has not been provided by Consultant.  In addition to any other remedies Customer
may have for Software that is not "Year 2000 Compliant", Customer's remedy shall
be for Consultant to repair or replace the Software in order to make it "Year
2000 Compliant" at no charge to the Customer.

21.  Survival of Obligations

     The provisions of Sections 6 through 9, 10(c) and 11 through 23 of this
Agreement shall survive the termination or expiration of this Agreement as a
continuing agreement of Customer and Consultant.

22.  Force Majeure

     Neither party shall be held liable or deemed to be in default for any delay
or failure in performance under this Agreement resulting from acts reasonably
beyond the control of such party, including, without limitation, extreme
weather, acts of God, acts or regulations of any governmental or supra-national
authority or national emergency, accident, riot, fire or other natural calamity.
The party whose performance is so affected, upon prompt notice thereof to the
other party, shall be excused from such performance to the extent caused by the
force majeure interruption, provided that the party so affected shall use all
reasonable efforts to remove such cause or causes of non-performance as soon as
practicable it being understood that the fees otherwise due hereunder from
Customer to Consultant shall not be due with respect to any period for which
Services are not performed due to the occurrence of any event described in this
paragraph.

__________________
[**] INDICATES MATERIAL THAT HAS BEEN OMITTED AND FOR WHICH CONFIDENTIAL
TREATMENT HAS BEEN REQUESTED.  ALL SUCH OMITTED MATERIAL HAS BEEN FILED WITH THE
SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 406 PROMULGATED UNDER THE
SECURITIES ACT OF 1933, AS AMENDED.
<PAGE>

                                      -18-

23.  Entire Agreement

     This agreement and the attachments hereto constitute the entire agreement
between the parties for the Services provided as of the Effective Date of this
Agreement and thereafter.  It does not supersede any prior agreement for
Services rendered prior to the Effective Date of this Agreement; notwithstanding
the foregoing, Section 2 of that certain Assignment and Consent dated as of [**]
by and among Consultant, Customer and edocs, Inc., a California corporation, is
hereby deleted in its entirety and replaced with the following:
"Notwithstanding edocs California's ownership of all right, title and interest
in such Software, TPI shall be free to use for TPI's business purposes any
general and non-tangible ideas, concepts and techniques of general utility
utilized in the Software, provided however that in no event shall the source
materials for the Software or the Software be used by TPI or disclosed by TPI to
any third party."

     IN WITNESS WHEREOF, Consultant and Customer have caused this Agreement to
be signed and delivered by their duly authorized officers and effective as of
the date first above written.

TECHNOLOGY PROVIDERS, INC.         EDOCS, INC.
"Consultant"                       "Customer"

By:  [**]                          By:        [**]
     ----                              --------------------

Printed Name: [**]                 Printed Name: Kevin E. Laracey
              ----                               ----------------

Title:  President and COO          Title:  CEO
        -----------------                  ---

__________________
[**] INDICATES MATERIAL THAT HAS BEEN OMITTED AND FOR WHICH CONFIDENTIAL
TREATMENT HAS BEEN REQUESTED.  ALL SUCH OMITTED MATERIAL HAS BEEN FILED WITH THE
SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 406 PROMULGATED UNDER THE
SECURITIES ACT OF 1933, AS AMENDED.
<PAGE>

                                   SCHEDULE A

                       Agreement for Consulting Services
-------------------------------------------------------------------------------

Customer Name:  edocs, Inc..       Agreement Date: [**]

Retainer Basis Services Rates/Resources
---------------------------------------

<TABLE>
<CAPTION>
 Qty     Description of Services or Project Team       Daily Rate      Monthly Rate       Extended
                        Resources                                       Per person      Monthly Rate
<C>     <S>                                         <C>               <C>              <C>
[**]    US Project Manager (on-site)                                       [**]           [**]
[**]    Offshore Senior Technology Manager          [**] ([**] days)       [**]           [**]
[**]    Offshore Project Manager                                           [**]           [**]
[**]    Offshore Team leaders                                              [**]           [**]
[**]    Offshore Engineers                                                 [**]           [**]
[**]    Offshore QC Team Leader                                            [**]           [**]
[**]    Offshore QC Engineers                                              [**]           [**]
[**]    Offshore Technical Writer                                          [**]           [**]
[**]    Offshore Release Engineer                                          [**]           [**]
[**]    Offshore Maintenance Team Leader                                   [**]           [**]
[**]    Offshore Maintenance Engineers                                     [**]           [**]
[**]    Total Monthly Payment for Retainer Basis Services                                $[**]
</TABLE>

__________________
[**] INDICATES MATERIAL THAT HAS BEEN OMITTED AND FOR WHICH CONFIDENTIAL
TREATMENT HAS BEEN REQUESTED.  ALL SUCH OMITTED MATERIAL HAS BEEN FILED WITH THE
SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 406 PROMULGATED UNDER THE
SECURITIES ACT OF 1933, AS AMENDED.
<PAGE>

TIME AND MATERIALS RATES
------------------------

US Consultant Time and Materials Daily Rate       $[**]/day*
-------------------------------------------
US Architect Time and Materials Daily Rate        $[**]/day*
------------------------------------------

   * For personnel of Consultant who reside in the US.  Subject to availability.

Offshore Personnel Time and Materials Daily Rate:  $[**]/day for Project Manager
------------------------------------------------
and Team Leaders and $[**]/day for all other categories of personnel set forth
in the table above ("Offshore Daily Rate").

Cost of Living Adjustment for Local Services (as defined in Section 3(a) of
--------------------------------------------
Agreement)

Cost of Living Adjustment for Local Services for Retainer Basis Services:
------------------------------------------------------------------------
$[**]/day (paid for at the lesser of (a) [**] or (b) if less than [**] is worked
in [**], such lesser number of days only)

Cost of Living Adjustment for Local Services for Offshore Personnel Time and
----------------------------------------------------------------------------
Materials Services:  $[**]/day (paid for at the lesser of (a) [**] or (b) if
------------------
less than [**] is worked in [**], such lesser number of days only)

EDOCS, INC.                      TECHNOLOGY PROVIDERS, INC.

[**]                               [**]
------------------------------     -------------------------------------------
edocs, Inc. signature     Date     Technology Providers, Inc. signature   Date

Kevin E. Laracey                   [**]
------------------------------     -------------------------------------------
Name                               Name

CEO                                President
------------------------------     -------------------------------------------
Title                              Title

__________________
[**] INDICATES MATERIAL THAT HAS BEEN OMITTED AND FOR WHICH CONFIDENTIAL
TREATMENT HAS BEEN REQUESTED.  ALL SUCH OMITTED MATERIAL HAS BEEN FILED WITH THE
SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 406 PROMULGATED UNDER THE
SECURITIES ACT OF 1933, AS AMENDED.
<PAGE>

                                   Schedule B
                                   ----------
<PAGE>

                           CONFIDENTIALITY AGREEMENT
                           -------------------------

     Confidentiality Agreement entered into on [**], between edocs, inc.
("edocs") and Technology Providers, Inc. (the "company").  edocs and the Company
agree that the following terms and conditions shall apply when edocs discloses
Proprietary Information and Technology as defined below to the Company.

     edocs is disclosing to the Company certain commercially valuable,
proprietary and confidential information and trade secrets with respect to
edocs' (and edocs' customers, potential customers, business partners, and
potential business partners (collectively, the "edocs Business Associates"))
business, products and sales and marketing strategies, including without
limitation, information and tangible and intangible property which may relate to
the edocs' and edocs' Business Associates' business, finances, operations,
strategic planning, product and marketing plans, customer and supplier and
prospect lists and data, research and development activities, current or
proposed products, designs, patents, patent rights, applications, processes,
technologies, trade secrets, software technology, computer source code and
object code, hardware and software designs and specifications, schematics, flow
charts, logic diagrams, processes, drawings, specifications, programs, models,
financial information and projections, formulae, data, know-how, developments,
designs, improvements, software programs, sales and marketing strategies, and
other valuable business information and products (collectively, the "proprietary
information and technology").

     Company agrees to keep strictly confidential all such Proprietary
Information and Technology so received by it and to use such Proprietary
Information and Technology solely for the purpose of providing research and
development and related services to edocs.  Company agrees that any and all
Proprietary Information and Technology disclosed to Company by edocs is and
shall remain the proprietary and confidential information and property of edocs
or the edocs Business Associates, as applicable.  Company may not use any of the
Proprietary Information and Technology referred to above for any purpose other
than the above-stated purpose without the prior written consent of edocs.

     Company agrees to use the utmost degree of care to maintain and protect any
and all Proprietary Information and Technology as confidential and not to use
for its own commercial benefit or disclose the Proprietary Information and
Technology to any third party except as provided in the next sentence.  Company
will disclose the Proprietary Information and Technology only to those of its
employees and subcontractors (to the extent such subcontractors are pre-approved
by edocs ("Subcontractors")) to the extent either such employees or
Subcontractors require knowledge or access to the Proprietary Information and
Technology for the limited purpose of providing research and development and
related services to edocs and who have executed a confidentiality agreement with
Company.  Company will inform those employees and Subcontractors who have access
to the Proprietary Information and Technology that such information is valuable
confidential information and trade secrets of edocs or the edocs Business
Associates, as applicable.

__________________
[**] INDICATES MATERIAL THAT HAS BEEN OMITTED AND FOR WHICH CONFIDENTIAL
TREATMENT HAS BEEN REQUESTED.  ALL SUCH OMITTED MATERIAL HAS BEEN FILED WITH THE
SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 406 PROMULGATED UNDER THE
SECURITIES ACT OF 1933, AS AMENDED.
<PAGE>

                                      -2-

     Company shall use its best efforts to ensure compliance with the
confidentiality obligations of this Agreement by its employees and
Subcontractors having access to the Proprietary Information and Technology.
Company agrees not to provide any portion of the Proprietary Information and
Technology to any of its employees and Subcontractors who do not have a need to
know the Proprietary Information and Technology in connection with providing
research and development and related services to edocs.  Upon request of the
edocs, Company agrees to return within 3 days all copies of any such Proprietary
Information and Technology which was previously obtained by it.

     Company's obligations as to the Proprietary Information and Technology
shall not apply to any portion of the Proprietary Information and Technology:
(a) of which Company presently has knowledge or which is in Company's possession
prior to the initiation of a relationship between the parties and of which it
did not learn through any contact with edocs previous to the initiation of the
relationship; (b) which is presently publicly available or a matter of public
knowledge or public domain generally; or (c) which is lawfully received by
Company from a third party who is or was not bound in any confidential
relationship to edocs.

     edocs grants no license, by implication or otherwise, under any of its or
the edocs Business Associates', as applicable, copyrights, patents, trade
secrets, trademarks or tradename rights, as a result of the disclosure of the
Proprietary Information and Technology to Company under this Agreement.  The
terms of this Agreement apply to all Proprietary Information and Technology
provided by edocs to Company commencing with the date on which Company and edocs
first commenced discussions regarding a possible business relationship between
edocs and Company.

     Company acknowledges that edocs shall not have an adequate remedy in the
event that Company breaches this Agreement and that edocs will suffer
irreparable damage and injury.  In such event, Company agrees that the edocs, in
addition to any other available rights and remedies, shall be entitled to an
injunction restricting Company from committing or continuing any violation of
this Agreement.  The parties agree to submit to the jurisdiction of the courts
of the Commonwealth of Massachusetts for the purpose of interpreting or
enforcing any of the provisions of this Agreement.  This Agreement shall be
governed by the laws of the Commonwealth of Massachusetts.

EDOCS, INC.                       TECHNOLOGY PROVIDERS, INC.

By: [**]                          By: [**]
    -----------------                 ----------------------

Title:  CEO                       Title:  President and COO
    -----------------                 ----------------------

Date:                             Date:
    -----------------                 ----------------------

__________________
[**] INDICATES MATERIAL THAT HAS BEEN OMITTED AND FOR WHICH CONFIDENTIAL
TREATMENT HAS BEEN REQUESTED.  ALL SUCH OMITTED MATERIAL HAS BEEN FILED WITH THE
SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 406 PROMULGATED UNDER THE
SECURITIES ACT OF 1933, AS AMENDED.

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