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                                                                    EXHIBIT 10.1

                              CORILLIAN CORPORATION

                      CHANGE OF CONTROL SEVERANCE AGREEMENT

This Change of Control Severance Agreement (the "Agreement") is made and entered
into by and between __________________ (the "Employee") and Corillian
Corporation (the "Company"), effective as of the latest date set forth by the
signatures of the parties hereto below.

                                 R E C I T A L S

        A. It is expected that the Company from time to time will consider the
possibility of an acquisition by another company or other change of control as a
means of enhancing shareholder value. The Compensation Committee (the
"Committee") of the Board of Directors of the Company (the "Board") recognizes
that such consideration can be a distraction to the Employee and can cause the
Employee to consider alternative employment opportunities. The Committee has
determined that it is in the best interests of the Company and its shareholders
to assure that the Company will have the continued dedication and objectivity of
the Employee, notwithstanding the possibility, threat or occurrence of a Change
of Control (as defined below) of the Company.

        B. The Committee believes that it is in the best interests of the
Company and its shareholders to provide the Employee with an incentive to
continue his employment and to motivate the Employee to maximize the value of
the Company upon a Change of Control for the benefit of its stockholders.

        C. The Committee believes that it is imperative to provide the Employee
with certain severance benefits upon the Employee's termination of employment
following a Change of Control that provides the Employee with enhanced financial
security and provides incentive and encouragement to the Employee to remain with
the Company notwithstanding the possibility of a Change of Control.

        D. Certain capitalized terms used in the Agreement but not defined when
first used are defined in Section 6 below.

NOW, THEREFORE, the parties hereto agree as follows:

1.      TERM OF AGREEMENT. This Agreement shall terminate upon the date that all
obligations of the parties hereto with respect to this Agreement have been
satisfied.

2.      AT-WILL EMPLOYMENT. The Company and the Employee acknowledge that,
unless there is a written employment agreement between the Company and the
Employee, which this Agreement is acknowledged by the Employee not to be, the

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Employee's employment is and shall continue to be at-will, as defined under
applicable law. If the Employee's employment terminates for any reason,
including (without limitation) any termination prior to the announcement of a
Change of Control, the Employee shall not be entitled to any payments, benefits,
damages, awards or compensation except for those payments that may be available
in accordance with the Company's established employee plans and practices or
pursuant to other agreements with the Company.

3.      SEVERANCE BENEFITS.

        (a) Termination in Connection with a Change of Control. If the
        Employee's employment terminates as a result of Involuntary Termination
        (as defined below) other than for Cause at any time after the
        announcement of a Change of Control or twelve (12) months following a
        Change of Control or the announcement of a Change of Control, whichever
        comes later (a "Severance Termination"), then, subject to Section 5, the
        Employee shall be entitled to receive the following severance benefits:

               (1) Severance Payment. A cash payment in an amount equal to the
        Severance Payment;

               (2) Employee Benefits. For purposes of Title X of the
        Consolidated Budget Reconciliation Act of 1985 ("COBRA"), the date of
        the "Qualifying Event" for the Employee and his or her dependents shall
        be the Termination Date.

               (3) Timing of Severance Payments. Any severance payment to which
        the Employee is entitled under Section 3(a)(1) shall be paid by the
        Company to the Employee (or to the Employee's successor in interest,
        pursuant to Section 7(b)) in cash and in full, not later than thirty
        (30) calendar days following the Termination Date, subject to Section
        9(f).

        (b) Voluntary Resignation; Termination for Cause. If the Employee's
        employment terminates by reason of the Employee's voluntary resignation
        (and is not an Involuntary Termination), or if the Employee is
        terminated for Cause, then the Employee shall not be entitled to receive
        severance or other benefits except for those (if any) as may then be
        established under the Company's then existing option, severance and
        benefits plans and practices or pursuant to other agreements with the
        Company.

        (c) Disability; Death. If the Company terminates the Employee's
        employment as a result of the Employee's Disability, or the Employee's
        employment is terminated due to the death of the Employee, then the
        Employee shall not be entitled to receive severance or other benefits
        except for those (if any) as may then be established under the Company's
        then existing severance and benefits plans and practices or pursuant to
        other agreements with the Company.

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        (d) Termination apart from Change of Control. In the event the
        Employee's employment is terminated for any reason, either prior to the
        announcement of a Change of Control or after the twelve (12)-month
        period following a Change of Control, then the Employee shall be
        entitled to receive severance and any other benefits only as may then be
        established under the Company's existing severance and benefits plans
        and practices or pursuant to other agreements with the Company.

4.      ATTORNEY FEES, COSTS AND EXPENSES. The Company shall reimburse the
Employee for the reasonable attorney fees, costs and expenses incurred by the
Employee in connection with any action brought by the Employee to enforce his or
her rights hereunder, provided such action is not decided in favor of the
Company.

5.      LIMITATION ON PAYMENTS.

        (a) In the event that the severance and other benefits provided for in
        this Agreement or otherwise payable to the Employee (i) constitute
        "parachute payments" within the meaning of Section 280G of the Internal
        Revenue Code of 1986, as amended (the "Code") and (ii) but for this
        Section 5, would be subject to the excise tax imposed by Section 4999 of
        the Code, then the Employee's severance benefits under Section 3(a)(1)
        shall be either

               (1) delivered in full, or

               (2) delivered as to such lesser extent which would result in no
        portion of such severance benefits being subject to excise tax under
        Section 4999 of the Code, whichever of the foregoing amounts, taking
        into account the applicable federal, state and local income taxes and
        the excise tax imposed by Section 4999, results in the receipt by the
        Employee on an after-tax basis, of the greatest amount of severance
        benefits, notwithstanding that all or some portion of such severance
        benefits may be taxable under Section 4999 of the Code. Any taxes due
        under Section 4999 shall be the responsibility of the Employee.

        (b) If a reduction in the payments and benefits that would otherwise be
        paid or provided to the Employee under the terms of this Agreement is
        necessary to comply with the provisions of Section 5(a), the Employee
        shall be entitled to select which payments or benefits will be reduced
        and the manner and method of any such reduction of such payments or
        benefits subject to reasonable limitations (including, for example,
        express provisions under the Company's benefit plans) (so long as the
        requirements of Section 5(a) are met). Within thirty (30) days after the
        amount of any required reduction in payments and benefits is finally
        determined in accordance with the provisions of Section 5(c), the
        Employee shall notify the Company in writing regarding which payments or
        benefits are to be reduced. If no notification is given by the Employee,
        the Company will determine which amounts to reduce. If, as a result of
        any reduction required by Section 5(a), amounts previously paid to the
        Employee exceed the amount to which the Employee is entitled, the
        Employee will promptly return the excess amount to the Company.

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        (c) Unless the Company and the Employee otherwise agree in writing, any
        determination required under this Section 5 shall be made in writing by
        the Company's Accountants immediately prior to Change of Control, whose
        determination shall be conclusive and binding upon the Employee and the
        Company for all purposes. For purposes of making the calculations
        required by this Section 5, the Accountants may, after taking into
        account the information provided by the Employee, make reasonable
        assumptions and approximations concerning applicable taxes and may rely
        on reasonable, good faith interpretations concerning the application of
        Sections 280G and 4999 of the Code. The Company and the Employee shall
        furnish to the Accountants such information and documents as the
        Accountants may reasonably request in order to make a determination
        under this Section. The Company shall bear all costs the Accountants may
        reasonably incur in connection with any calculations contemplated by
        this Section 5.

6.      DEFINITION OF TERMS. The following terms referred to in this Agreement
shall have the following meanings:

        (a) "ANNUAL COMPENSATION" means an amount equal to the greater of (i)
        the Employee's Company salary for the twelve (12) months preceding the
        Change of Control or (ii) the Employee's Company Salary on an annualized
        basis.

        (b) "CAUSE" means (i) any act of personal dishonesty taken by the
        Employee in connection with his responsibilities as an employee and
        intended to result in substantial personal enrichment of the Employee,
        (ii) the conviction of a felony, (iii) a willful act by the Employee
        that constitutes gross misconduct and that is injurious to the Company,
        or (iv) for a period of not less than thirty (30) days following
        delivery to the Employee of a written demand for performance from the
        Company that describes the basis for the Company's belief that the
        Employee has not substantially performed his duties, continued
        violations by the Employee of the Employee's obligations to the Company
        that are demonstrably willful and deliberate on the Employee's part. Any
        dismissal for cause in accordance with Subsection (iv) of this Section
        6(b) must be approved by the Company's Board of Directors prior to the
        dismissal date.

        (c) "CHANGE OF CONTROL" means the occurrence of any of the following
        events:

               (1) Any "person" (as such term is used in Sections 13(d) and
        14(d) of the Securities Exchange Act of 1934, as amended) becomes the
        "beneficial owner" (as defined in Rule 13d-3 under said Act), directly
        or indirectly, of securities of the Company representing fifty percent
        (50%) or more of the total voting power represented by the Company's
        then outstanding voting securities;

               (2) A change in the composition of the Board occurring within a
        twelve-month period, as a result of which fewer than a majority of the
        directors are Incumbent Directors. "Incumbent Directors" shall mean
        directors who either (A)

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        are directors of the Company as of the date hereof, or (B) are elected,
        or nominated for election, to the Board with the affirmative votes of at
        least a majority of the Incumbent Directors at the time of such election
        or nomination (but shall not include an individual whose election or
        nomination is in connection with an actual or threatened proxy contest
        relating to the election of directors to the Company);

               (3) The consummation of a merger or consolidation of the Company
        with any other corporation, other than a merger or consolidation that
        would result in the voting securities of the Company outstanding
        immediately prior thereto continuing to represent (either by remaining
        outstanding or by being converted into voting securities of the
        surviving entity or such surviving entity's parent) at least fifty
        percent (50%) of the total voting power represented by the voting
        securities of the Company or such surviving entity or such surviving
        entity's parent outstanding immediately after such merger or
        consolidation;

               (4) The consummation of the sale or disposition by the Company of
        all or seventy-five percent (75%) or more of the Company's assets.

        (d) "DISABILITY" shall mean that the Employee has been unable to perform
        his or her Company duties as the result of incapacity due to physical or
        mental illness, and such inability, at least twenty-six (26) weeks after
        its commencement, is determined to be total and permanent by a physician
        selected by the Company or its insurers and acceptable to the Employee
        or the Employee's legal representative (such Agreement as to
        acceptability not to be unreasonably withheld). Termination resulting
        from Disability may only be effected after at least thirty (30) days'
        written notice by the Company of its intention to terminate the
        Employee's employment. In the event that the Employee resumes the
        performance of substantially all of his or her duties hereunder before
        the termination of employment becomes effective, the notice of intent to
        terminate shall automatically be deemed to have been revoked.

        (e) "INVOLUNTARY TERMINATION" shall mean (i) without the Employee's
        express written consent, the significant reduction of the Employee's
        duties, authority or responsibilities, relative to the Employee's
        duties, authority or responsibilities as in effect immediately prior to
        such reduction, or the assignment to the Employee of such significantly
        reduced duties, authority or responsibilities; (ii) without the
        Employee's express written consent, a substantial reduction of the
        facilities and perquisites (including office space and location)
        available to the Employee immediately prior to such reduction; (iii) a
        reduction by the Company in the base salary or target bonus of the
        Employee as in effect immediately prior to such reduction; (iv) a
        material reduction by the Company in the kind or level of employee
        benefits, including bonuses, to which the Employee was entitled
        immediately prior to such reduction with the result that the Employee's
        overall benefits package is significantly reduced; (v) the relocation of
        the Employee to a facility or a location more than twenty-five (25)
        miles from the Employee's then present location, without the Employee's
        express written consent; (vi) any purported

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        termination of the Employee by the Company that is not effected for
        Disability or for Cause, or any purported termination for which the
        grounds relied upon are not valid; (vii) the failure of the Company to
        obtain the assumption of this Agreement by any successors contemplated
        in Section 7(a) below; or (viii) any act or set of facts or
        circumstances that would, under Oregon case law or statute constitute a
        constructive termination of the Employee.

        (f) "SEVERANCE PAYMENT" means the Employee's Annual Compensation for the
        Severance Period.

        (g) "SEVERANCE PERIOD" means the number of weeks determined by
        multiplying (A) the Term of Service Quotient by (B) 18 if Employee is a
        Vice President or lower level employee, 24 if Employee is a Senior Vice
        President or Executive Vice President, or 48 if Employee is an Executive
        Officer (e.g. CEO, CFO, COO, CMO, or CTO). In no event may the Severance
        Period exceed 26 weeks if Employee is a Vice President or lower level
        employee, 39 weeks if Employee is a Senior Vice President or Executive
        Vice President, or 104 weeks if Employee is an Executive Officer.
        Employee's title at the time of termination applies in determining the
        Severance Period pursuant to this paragraph.

        (h) "TERMINATION DATE" shall mean (i) if this Agreement is terminated by
        the Company for Disability, thirty (30) days after notice of termination
        is given to the Employee (provided that the Employee shall not have
        returned to the performance of the Employee's duties on a full-time
        basis during such thirty (30)-day period), (ii) if the Employee's
        employment is terminated by the Company for any other reason, the date
        on which a notice of termination is given, provided that if within
        thirty (30) days after the Company gives the Employee notice of
        termination, the Employee notifies the Company that a dispute exists
        concerning the termination or the benefits due pursuant to this
        Agreement, then the Termination Date shall be the date on which such
        dispute is finally determined, either by mutual written agreement of the
        parties, or a by final judgment, order or decree of a court of competent
        jurisdiction (the time for appeal therefrom having expired and no appeal
        having been perfected), or (iii) if the Agreement is terminated by the
        Employee, the date on which the Employee delivers the notice of
        termination to the Company.

        (i) "TERM OF SERVICE QUOTIENT" means the quotient obtained by dividing
        the number of full calendar months of the Employee's employment with the
        Company by twelve.

7.      SUCCESSORS.

        (a) Company's Successors. Any successor to the Company (whether direct
        or indirect and whether by purchase, merger, consolidation, liquidation
        or otherwise) to all or substantially all of the Company's business
        and/or assets shall assume the obligations under this Agreement and
        agree expressly to perform the obligations under this Agreement in the
        same manner and to the same extent as the Company

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        would be required to perform such obligations in the absence of a
        succession. For all purposes under this Agreement, the term "Company"
        shall include any successor to the Company's business and/or assets
        which executes and delivers the assumption agreement described in this
        Section 7(a) or which becomes bound by the terms of this Agreement by
        operation of law.

        (b) Employee's Successors. The terms of this Agreement and all rights of
        the Employee hereunder shall inure to the benefit of, and be enforceable
        by, the Employee's personal or legal representatives, executors,
        administrators, successors, heirs, distributees, devisees and legatees.

8.      NOTICE.

        (a) General. Notices and all other communications contemplated by this
        Agreement shall be in writing and shall be deemed to have been duly
        given when personally delivered or when mailed by U.S. registered or
        certified mail, return receipt requested and postage prepaid. In the
        case of the Employee, mailed notices shall be addressed to him or her at
        the home address which he or she most recently communicated to the
        Company in writing. In the case of the Company, mailed notices shall be
        addressed to its corporate headquarters, and all notices shall be
        directed to the attention of its Secretary.

        (b) Notice of Termination. Any termination by the Company for Cause or
        by the Employee as a result of a voluntary resignation or an Involuntary
        Termination shall be communicated by a notice of termination to the
        other party hereto given in accordance with Section 8(a) of this
        Agreement. Such notice shall indicate the specific termination provision
        in this Agreement relied upon, shall set forth in reasonable detail the
        facts and circumstances claimed to provide a basis for termination under
        the provision so indicated, and shall specify the termination date
        (which shall be not more than thirty (30) days after the giving of such
        notice). The failure by the Employee to include in the notice any fact
        or circumstance which contributes to a showing of Involuntary
        Termination shall not waive any right of the Employee hereunder or
        preclude the Employee from asserting such fact or circumstance in
        enforcing his rights hereunder.

9.      MISCELLANEOUS PROVISIONS.

        (a) No Duty to Mitigate. The Employee shall not be required to mitigate
        the amount of any payment contemplated by this Agreement, nor shall any
        such payment be reduced by any earnings that the Employee may receive
        from any other source.

        (b) Waiver. No provision of this Agreement shall be modified, waived or
        discharged unless the modification, waiver or discharge is agreed to in
        writing and signed by the Employee and by an authorized officer of the
        Company (other than the Employee). No waiver by either party of any
        breach of, or of compliance with,

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        any condition or provision of this Agreement by the other party shall be
        considered a waiver of any other condition or provision or of the same
        condition or provision at another time.

        (c) Whole Agreement. This Agreement and any outstanding stock option
        agreements represent the entire understanding of the parties hereto with
        respect to the subject matter hereof and supersedes all prior
        arrangements and understandings regarding same. Other than the
        agreements described in the preceding sentence, no agreements,
        representations or understandings (whether oral or written and whether
        express or implied) which are not expressly set forth in this Agreement
        have been made or entered into by either party with respect to the
        subject matter hereof.

        (d) Choice of Law. The validity, interpretation, construction and
        performance of this Agreement shall be construed and enforced in
        accordance with, and the rights of the parties shall be governed by, the
        laws of the State of Oregon without regard to principles of conflicts of
        laws.

        (e) Severability. The invalidity or unenforceability of any provision or
        provisions of this Agreement shall not affect the validity or
        enforceability of any other provision hereof, which shall remain in full
        force and effect.

        (f) Withholding. All payments made pursuant to this Agreement will be
        subject to withholding of applicable income and employment taxes.

        (g) Counterparts. This Agreement may be executed in counterparts, each
        of which shall be deemed an original, but all of which together will
        constitute one and the same instrument.

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        IN WITNESS WHEREOF, each of the parties has executed this Agreement, in
the case of the Company by its duly authorized officer, as of the day and year
set forth below.

                                        "Company"

                                        CORILLIAN CORPORATION

                                        By:
                                           --------------------------------
                                        Title:
                                              -----------------------------
                                        Name:
                                             ------------------------------
                                        "Employee"

                                        -----------------------------------
                                        Print Name:
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                                                                    EXHIBIT 10.2

                              EMPLOYMENT AGREEMENT

               THIS EMPLOYMENT AGREEMENT is entered into as of April 3, 2002 by
and between Corillian Corporation, an Oregon corporation, and its affiliates,
divisions and subsidiaries (collectively, "EMPLOYER"), and Andrew White
("EXECUTIVE").

                                   WITNESSETH:

               WHEREAS, Employer desires to obtain the benefit of service by
Executive through August 24, 2002, and Executive desires to render services to
Employer through such date;

               WHEREAS, the Board of Directors of Employer (the "BOARD") has
determined that because of Executive's substantial experience and business
relationships in connection with the business of Employer, it is in the
Employer's best interest and that of its shareholders to secure the services of
Executive through August 24, 2002; and

               WHEREAS, Employer and Executive desire to set forth in this
Agreement the terms and conditions of Executive's employment with Employer and
termination of employment with Employer.

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

        1. EXECUTIVE REPRESENTATION. Executive represents and warrants that he
has the capacity to enter into this Agreement and that this Agreement will not
conflict with or result in a default under any other agreement binding on
Executive.

        2. TITLE; DUTIES AND RESPONSIBILITIES. Employer and Executive agree
that, subject to the provisions of this Agreement, Employer will employ
Executive and Executive will serve Employer as Chief Operating Officer for the
duration of this Agreement, except that if Employer delivers a Commission
Termination Notice (as defined below), Executive's title will change to
Executive Vice President of Global Sales, effective June 1, 2002. Executive will
report to Employer's Chief Executive Officer. Only sales personnel will report
to Executive, and if Employer delivers a Commission Termination Notice, all such
personnel will cease reporting to Executive, effective June 1, 2002. Executive
agrees to observe and comply with the rules and regulations of Employer
respecting the performance of Executive's duties and agrees to carry out and
perform orders, directions and policies of Employer, its Chief Executive Officer
and its Board as they may be, from time to time, stated either orally or in
writing. Except as specifically provided otherwise in this Agreement, Executive
shall comply with all of the policies and procedures adopted by Employer (as the
same may be amended from time to time by Employer). Executive will resign from
the Board immediately following execution of this Agreement.

                                      B-1

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        3. TERM. Employer agrees to employ Executive and Executive agrees to
serve Employer, in accordance with the terms of this Agreement, commencing on
the date hereof and continuing until August 24, 2002 (the "TERM"), unless this
Agreement is earlier terminated in accordance with the provisions of this
Agreement. Executive's employment with Employer will terminate upon the
expiration of the Term without any action by either party.

        4. SERVICES AND EXCLUSIVITY OF SERVICES. During the Term, Executive
shall (i) devote his full business time, energy and ability exclusively to the
business, affairs and interests of Employer, and matters related thereto, (ii)
use Executive's best efforts and abilities to promote Employer's interests, and
(iii) perform the services contemplated by this Agreement in accordance with
policies established by Employer and under the direction of Employer's Chief
Executive Officer and the Board, except that if Employer delivers a Commission
Termination Notice, Executive will be permitted to work from his residence,
effective June 1, 2002, and provide limited services to transition his workload
to another employee of Employer.

               Without the prior express written authorization of the Board,
Executive shall not, directly or indirectly, during the Term or until June 1,
2002 if a Commission Termination Notice has been delivered: (a) render services
to any other person or firm for compensation or (b) engage in any activity
competitive with or adverse to Employer's Business (as defined below), whether
alone, as a partner, or as an officer, director, employee or significant
investor of or in any other entity. (An investment of greater than 5% of the
outstanding capital or equity securities of an entity shall be deemed
significant for these purposes.) "BUSINESS" shall mean the development,
marketing and sale of solutions to enable companies to offer electronic
financial services (including, without limitation, through the Internet, mobile
phones, PDA's or interactive television) and the provision of professional
services to implement, install and customize such solutions.

               Executive may serve as a director or in any other capacity of any
business enterprise or any nonprofit or governmental entity or trade
association, whose activities involve or relate to the Business, provided in
each case that such service is expressly approved by the Board and does not
interfere with Executive's duties hereunder.

               Executive may make and manage personal business investments of
his choice and serve in any capacity with any civic, educational or charitable
organization without seeking or obtaining approval by the Board, provided that
such activities and services do not substantially interfere or conflict with the
performance of duties hereunder or create any conflict of interest with such
duties. An investment that exceeds 5% of the equity securities or capitalization
of a competitor, supplier or customer of Employer shall be deemed to constitute
such a conflict. Executive shall not serve in any of such capacities for any
business enterprise unless such service is expressly authorized by the Board in
advance.

        5. COMPENSATION.

               5.1 BASE COMPENSATION. During the Term, Employer agrees to pay
Executive, in accordance with Employer's applicable payroll policies in effect
from time to time during the Term, a base salary at the rate of $220,000 per
year (the "BASE SALARY").

                                      B-2

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               5.2 ADDITIONAL BENEFITS. Executive shall also be entitled to all
rights and benefits for which Executive is otherwise eligible under pension
plan, life, medical, dental, disability, or insurance plan or policy, as from
time to time in effect, during the term of this Agreement that Employer may
provide for Executive or (provided Executive is eligible to participate therein)
for other employees of Employer with comparable positions and responsibilities
generally (collectively, the "ADDITIONAL BENEFITS"). Additional Benefits will
include, without limitation, the following:

               (A) Corillian will compensate Executive for directing the
        successful selling efforts with Washington Mutual, Amsouth and M&T (the
        "Prospects") and certain other customers. Executive will discuss in good
        faith the general terms of any negotiation in these deals with
        Employer's Chief Executive Officer before discussion and final
        negotiation with the Prospects. For Executive's efforts Employer will
        pay Executive 1% of all Commissionable Components (as defined in the
        2002 Corillian Commission Plan, which is attached to this Agreement and
        incorporated herein by this reference) from signed contracts with the
        Prospects before August 24, 2002. In addition, Employer will pay
        Executive 1% of all Commissionable Components from binding agreements to
        purchase products or services ("Contracts") signed between January 1,
        2002 and August 24, 2002 other than Voyager SE Contracts and .5% of all
        Commissionable Components from Voyager SE Contracts signed between
        January 1, 2002 and August 24, 2002. Notwithstanding the foregoing,
        Employer may, in its sole discretion, deliver notice at any time on or
        before May 1, 2002 that Employee is no longer entitled to commissions (a
        "Commission Termination Notice"), and in such event, Executive will only
        be entitled to receive payment for Commissionable Components for
        Contracts signed before June 1, 2002 and will not be entitled to receive
        payment for any Contracts signed after June 1, 2002. The net proceeds
        from all payments to Executive under this Section 5.2(A) may be withheld
        by Employer and applied to the outstanding balance of the note executed
        by Executive in favor of Employer on August 7, 2001 (the "Note") until
        all amounts outstanding under the Note are paid in full.

               (B) Corillian will serve as a positive reference for Executive in
        seeking alternative employment.

               5.3 PERQUISITES. Executive shall be entitled to up to 240 hours
of Paid Time Off ("PTO") per annum, which shall accrue on a daily basis from the
date of this Agreement, except that Executive will be given credit for any time
employed by Employer before the date of this Agreement. PTO includes vacation,
sick leave, and personal leave. Holidays have been excluded from the PTO. PTO
may be taken at such time during each year as may be mutually agreed upon by
Executive and Employer. At no time may Executive accrue more than 240 hours of
PTO.

               5.4 OVERALL QUALIFICATION. Subject to the terms of any written
benefit plans, Employer reserves the right to modify, suspend or discontinue any
and all of the above referenced benefit plans, practices, policies and programs
at any time (whether before or after termination of employment) without notice
to or recourse by Executive so long as such action is taken generally with
respect to other similarly situated persons and does not single out Executive.

                                       B-3

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        6. TERMINATION. The Base Salary and Additional Benefits provided to
Executive pursuant to this Agreement, and the employment of Executive by
Employer, shall be terminated prior to expiration of the Term only as provided
in this Section 6.

               6.1 DISABILITY. If a physical or mental illness renders Executive
unable to perform his normal duties in connection with Employer for a period of
180 days (whether or not consecutive) out of any consecutive 365 days and that
the Board reasonably determines is reasonably expected to continue to render
Executive unable to perform such duties (a "DISABILITY"), Executive's employment
hereunder may be terminated by written notice of termination from Employer to
Executive. Executive agrees to submit to examinations from time to time by a
duly licensed physician, who shall be selected by Employer's Chief Executive
Officer, in connection with any actual or alleged Disability; provided, that
such physician shall be independent as to Employer and its affiliates (other
than Executive) and shall be a specialist in the area of Executive's alleged
Disability. If Executive's employment is terminated by Employer because of a
Disability, this Agreement will terminate in all respects, provided that
Employer shall pay to Executive or the personal representative of Executive (the
"BENEFICIARY"), as applicable, any Base Salary through the date of termination
and any accrued Additional Benefits that do not by their terms end at the
Disability of Executive.

               6.2 DEATH. If Executive dies during the Term, this Agreement will
terminate in all respects, provided that Employer shall pay to the Beneficiary
any Base Salary through the date of death and any accrued Additional Benefits
that do not by their terms end at the death of Executive.

               6.3 FOR CAUSE. Executive's employment hereunder shall be
terminated and all of his rights to receive Base Salary and (subject to the
terms of any plans relating thereto) Additional Benefits hereunder in respect of
any period after such termination, shall terminate upon a determination by the
Board, acting in good faith based upon actual knowledge at such time, that
Executive (i) is or has been grossly negligent, (ii) is engaging or has engaged
in willful or grossly negligent misconduct or a breach of fiduciary duty
involving personal profit, (iii) has failed to perform material duties, (iv) has
been convicted of any felony, or (v) has intentionally or materially breached
any of the provisions of this Agreement or any other agreement with Employer
(each of the above being a termination for "CAUSE").

               (A) Employer shall effect a termination for Cause by written
        notice to Executive specifying in reasonable detail the circumstances
        alleged by Employer that constitute a basis for termination for Cause
        and the specific provisions of Section 6.3 relied upon in effecting such
        termination. The date of such termination shall be the date ten (10)
        days after Employer gives such notice of termination to Executive. If
        the grounds for such termination are solely the grounds set forth in
        Section 6.3 (excluding, for this purpose, conviction of a felony as set
        forth above), then during such ten (10) day period, Executive shall be
        afforded an opportunity to discuss the basis for such termination with
        the Board, and Executive shall, at his election exercised in writing
        prior to the expiration of such ten (10) day period, be entitled to a
        period of not less than thirty (30) days after the date of such
        discussion to attempt to remedy or cure the conduct alleged to
        constitute such grounds and the harm caused thereby if in the good faith
        and reasonable judgment of the Board, such conduct and harm is capable
        of being remedied

                                      B-4

<PAGE>
        or cured within said thirty (30) day period. If, after the expiration of
        such cure period, the Executive has not in the good faith and reasonable
        judgment of the Board, remedied or cured the conduct alleged to
        constitute such grounds and the harm caused thereby, the termination for
        Cause shall be effective upon notice to Executive of such adverse Board
        judgment.

               (B) Upon termination of Executive's employment for Cause, the
        obligations of Executive and Employer under this Agreement shall
        immediately cease. Such termination shall be without prejudice to any
        other remedy to which Employer may be entitled either at law, in equity,
        or under this Agreement.

               6.4 WITHOUT CAUSE. Employer may terminate Executive's employment
hereunder at any time upon 15 days prior written notice without cause, which
termination shall take effect upon August 24, 2002. If Employer exercises its
right to terminate Employee without cause, during the period before August 24,
2002 (i) Executive will work from his residence and only provide limited
services to transition his workload to another employee of Employer and (ii)
Executive will cease being chief operating officer and have no authority to bind
the company in any transactions or Contracts. Upon a termination of Executive's
employment by Employer without cause hereunder, Employer shall only be obligated
under this Agreement and its policies to pay to Executive (a) any Additional
Benefits (other than Additional Benefits under Section 5.2(A)) accrued through
the date of termination, (b) any Additional Benefits under Section 5.2(A)
through the date 15 days after the date of notice of termination, and (c)
Executive's Base Salary through August 24, 2002, and Employer will release
Executive from his outstanding indebtedness under the Note.

               6.5 NO LIMITATION. Employer's exercise of its right to terminate
shall be without prejudice to any other right or remedy to which it or any of
its affiliates may be entitled at law, in equity or under this Agreement.

               6.6 EXCLUSIVE REMEDY; RELEASE. Executive agrees that the payments
expressly provided and contemplated by this Agreement shall constitute the sole
and exclusive obligation of Employer in respect of Executive's employment with
and relationship to Employer and that the payment thereof shall be the sole and
exclusive remedy for any termination of Executive's employment. Executive
covenants not to assert or pursue any other remedies, at law or in equity, with
respect to any termination of employment. In connection with this Agreement and
in consideration hereof, Executive has executed the Release Agreement attached
hereto as Exhibit A (the "Release"). If Executive revokes the Release in
accordance with the terms thereof, this Agreement will automatically terminate
and be of no force or effect.

               6.7 MITIGATION. Executive shall not be required to mitigate or
attempt to mitigate damages under this Agreement.

        7. BUSINESS EXPENSES. During the Term, Employer shall, in accordance
with Employer's policy in effect from time to time, reimburse Executive promptly
for all reasonable and adequately documented business expenses which Executive
incurs in his reasonable judgment in connection with the services to be rendered
to Employer hereunder, including

                                      B-5

<PAGE>
entertainment, travel, and transportation expenses incurred in pursuit and
furtherance of Employer's business and goodwill.

        8. NO SOLICITATION OF EMPLOYEES OR CLIENTS; LIMITATION ON NON-COMPETE.
Executive agrees that he will not, directly or indirectly, for a period of 2
years from the termination of this Agreement, solicit, entice, persuade, or
induce any employee of Employer or any client under contract with Employer to
terminate his or her employment by, or contract with, Employer or its
subsidiaries, if any, or to refrain from extending or renewing the same (upon
the same or new terms) or to become employed by or to enter into any agency
contract with a person or business other than Employer. The Noncompete,
Nondisclosure, Conflict of Interest and Assignment of Improvements, Inventions
and Discoveries Agreement (the "Noncompete Agreement"), dated as of November 3,
1999, between Employer and Executive is hereby amended to only apply to
Employer's business as conducted prior to termination of Employee's employment
and only apply to the following named competitors and their affiliates:
FinancialFusion, Digital Insight, Metavante, S1, Yodlee, CheckFree, EEI,
Tecknowledge, Fiserv, Brokat, IBM, OSI, OFS, Alltel, Bisys, CashEdge, Umonitor,
Eontech and Microsoft.

        9. DISPUTE RESOLUTION.

               9.1 GOVERNING LAW. This Agreement is to be interpreted in
accordance with the laws of the State of Oregon. Executive and Employer hereby
expressly consent to the personal jurisdiction of the state and federal courts
located in Oregon for any action or proceeding arising from or relating to this
Agreement.

               9.2 ATTORNEYS' FEES AND COURT COSTS. If any suit or action
arising out of or related to this Agreement is brought by any party, the
prevailing party shall be entitled to recover the costs and fees (including
without limitation reasonable attorney fees, the fees and costs of experts and
consultants, copying, courier and telecommunication costs, and deposition costs
and all other costs of discovery) incurred by such party in such suit or action,
including without limitation any post-trial or appellate proceeding.

               9.3 EQUITABLE RELIEF. Executive acknowledges that Employer may
not have an adequate remedy at law in the event of any breach or threatened
breach by Executive of this Agreement pertaining to confidentiality or
intellectual property, and that Employer or its customers or suppliers may
suffer irreparable injury as a result. In the event of any such breach or
threatened breach, Executive hereby consents to the granting of injunctive
relief without the posting by Employer of any bond or other security.

        10. MISCELLANEOUS.

               10.1 SUCCESSION; SURVIVAL. This Agreement shall inure to the
benefit of and shall be binding upon Employer, its successors and assigns. The
obligations and duties of Executive hereunder are personal and otherwise not
assignable. Executive's obligations and representations under this Agreement
will survive the termination of Executive's employment, regardless of the manner
of such termination.

               10.2 NOTICES. Any notice or other communication provided for in
this Agreement shall be in writing and sent if to Employer to its principal
office at:

                                      B-6

<PAGE>
                      Corillian Corporation
                      3400 NW John Olsen Place
                      Hillsboro, OR 97124
                      Attention:  Erich J. Litch

or at such other address as Employer may from time to time in writing designate,
and if to Executive at such address as Executive may from time to time in
writing designate (or Executive's business address of record in the absence of
such designation). Each such notice or other communication shall be effective
(i) if given by telecommunication, when transmitted to the applicable number so
specified in (or pursuant to) this Section 10.2 and an appropriate answerback is
received, (ii) if given by mail, three days after such communication is
deposited in the mails with first class postage prepaid, addressed as aforesaid
or (iii) if given by any other means, when actually delivered at such address.

               10.3 ENTIRE AGREEMENT; AMENDMENTS. This Agreement, the Release
and the Noncompete Agreement (as expressly modified herein) contain the entire
agreement of the parties relating to the subject matter hereof and thereof and
supersede any prior agreements, undertakings, commitments and practices relating
to Executive's employment by Employer and termination of employment by Employer.
No amendment or modification of the terms of this Agreement or such other
documents shall be valid unless made in writing and signed by Executive and, on
behalf of Employer, by an officer expressly so authorized by the Board.

               10.4 WAIVER. No failure on the part of any party to exercise or
delay in exercising any right hereunder shall be deemed a waiver thereof or of
any other right, nor shall any single or partial exercise preclude any further
or other exercise of such right or any other right.

               10.5 EMPLOYER INFORMATION. Executive agrees that he will not,
during his employment with Employer, improperly use or disclose any proprietary
information or trade secrets of any former or concurrent employer or other
person or entity and that he will not bring onto the premises of Employer or its
affiliates any unpublished document or proprietary information belonging to any
such employer, person or entity, unless consented to in writing by such
employer, person or entity.

               10.6 PLACE OF EMPLOYMENT. Until (i) the end of the Term, (ii)
June 1, 2002 if a Commission Termination Notice is delivered, or (iii) Executive
receives notice of a termination without cause, Executive's residence and
principal place for performing his obligations hereunder shall be Portland,
Oregon and vicinity (including Beaverton and Hillsboro); provided, however, that
Executive will be expected to engage in travel throughout the United States and
the world as Employer may reasonably request or as may be required for the
proper performance of services hereunder.

               10.7 SEVERABILITY. If this Agreement shall for any reason be or
become unenforceable in any material respect by any party, this Agreement shall
thereupon terminate and become unenforceable by the other party as well. In all
other respects, if any provision of this Agreement is held invalid or
unenforceable, the remainder of this Agreement shall nevertheless remain in full
force and effect. If any provision is held invalid or unenforceable with respect
to

                                      B-7

<PAGE>
particular circumstances, it shall nevertheless remain in full force and effect
in all other circumstances to the fullest extent permitted by law and may be
modified by a court to make the provision consistent with applicable laws.

               10.8 SECTION HEADINGS. Section and other headings contained in
this Agreement are for convenience of reference only and shall not affect in any
way the meaning or interpretation of this Agreement.

               10.9 COUNTERPARTS. This Agreement and any amendment hereto may be
executed in one or more counterparts. All of such counterparts shall constitute
one and the same agreement and shall become effective when a copy signed by each
party has been delivered to the other party.

               10.10 CONSTRUCTION. The parties hereto acknowledge that each
party to this Agreement is sophisticated and has been represented by counsel in
connection with this Agreement and the transactions contemplated by this
Agreement. Accordingly, no provision of this Agreement shall be construed
against any party on the ground that such party or its counsel drafted the
provision, and the parties hereby waive any statute or rule to the contrary.

                                      B-8

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

                                            "EMPLOYER"

                                            CORILLIAN CORPORATION

                                            BY:
                                               --------------------------------

                                            ITS:
                                                -------------------------------

                                            "EXECUTIVE"

                                            ANDREW WHITE

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

                             Address:
                                            -----------------------------------

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

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

                                      B-9

<PAGE>
                                    EXHIBIT A

                                RELEASE AGREEMENT

               This Release Agreement (this "Agreement") is entered into this
3rd day of April, 2002, by and between Corillian Corporation, an Oregon
corporation (the "Company"), and Andrew White ("Employee").

                                    RECITALS

        A. The Company and the Employee have agreed to terminate their
employment relationship on August 24, 2002 and as a condition to the Company's
entering into an employment agreement with Employee (the "Employment Agreement")
on the date hereof, Employee agreed to execute this Agreement.

        NOW, THEREFORE, for in consideration of the mutual promises contained
herein and the Employment Agreement, and other good and valuable consideration,
the receipt and sufficiency of which is hereby acknowledged, the parties agree
as follows:

                                    AGREEMENT

               1. RELEASE. In consideration of payments to be made to Employee
under the Employment Agreement, Employee, on Employee's own behalf and on behalf
of Employee's descendants, dependents, heirs, executors, successors, assigns and
administrators hereby (1) covenants not to sue, (2) fully releases and
discharges, and (3) agrees to hold harmless the Company and each of its related
companies or entities, and each of its and their executors, administrators,
partners, predecessors, successors, assigns, officers, directors, shareholders,
representatives, attorneys, employees and agents, past and present, with respect
to and from and against any and all claims, demands, obligations, causes of
action, debts, expenses, damages, judgments, orders and liabilities of whatever
kind or nature, in law, equity or otherwise, whether now known or unknown,
suspected or unsuspected, matured or unmatured, and whether or not concealed or
hidden (collectively, the "Claims"), which Employee now owns or holds or has at
any time heretofore owned or held or had, or may at any time own or hold or
have, against the Company, including without limiting the generality of the
foregoing, any Claims arising out of or in any way connected with any
transactions, occurrences, acts or omissions regarding or relating to Employee's
employment with the Company or any of its affiliates, or the termination of
Employee's employment, including without limitation any claims arising from any
alleged violation by the Company of any federal, state or local statutes,
ordinances or common laws, including, but not limited to, the Age Discrimination
in Employment Act, Title VII of the Civil Rights Act of 1964 and/or the Civil
Rights Act of 1991, the Americans with Disabilities Act, and the Family and
Medical Leave Act of 1993, or any claim for severance pay, bonus, sick leave,
holiday pay, vacation pay, life insurance, health or medical insurance or any
other fringe benefit, workers' compensation or disability. The foregoing release
of Claims does not apply to any Claims based on a breach of the Company's
contractual obligations under the Employment Agreement. Employee further agrees
to indemnify and hold the Company and each of its related companies or entities,
and each of its predecessors, successors, assigns, officers,

                                      B-10

<PAGE>
directors, shareholders, representatives, attorneys, employees and agents, past
and present, harmless from any claims, demands, deficiencies, levies,
assessments, executions, judgments or recoveries by any governmental entity
against the Company, or any of the foregoing persons or entities, pursuant to
claims made under any federal or state tax laws, and any costs, expenses or
damages sustained by them by reason of any such claims, including any amounts
paid by the Company, its predecessors, officers, directors, employees,
attorneys, representatives, successors and assigns as taxes, attorneys' fees,
deficiencies, levies, assessments, fines, penalties, interest or otherwise. The
foregoing does not preclude Employee from seeking indemnification from the
Company or its insurers (including without limitation insurers for Directors and
Officers Liability Insurance) if a claim is brought against Employee by any
third party based on actions of Employee within the course and scope of his
employment or position as an officer or Board of Directors member.

               2. ADEA WAIVER. Employee expressly acknowledges and agrees that,
by entering into this Agreement, Employee is waiving any and all rights or
claims that Employee may have arising under the Age Discrimination in Employment
Act of 1967, as amended, which have arisen on or before the date of execution of
this Agreement. Employee further expressly acknowledges and agrees to the
following:

               2.1. CONSIDERATION. In return for this Agreement, Employee will
               receive consideration beyond that which Employee was already
               entitled to receive before entering into this Agreement.

               2.2. COUNSEL. Employee was orally advised by Company and was
               advised in writing to consult with an attorney before signing
               this Agreement.

               2.3. PERIOD TO CONSIDER AND REVOCATION. Employee has the right to
               take up to 21 days to consider and accept the terms of this
               Release. Employee may accept in less time by signing and
               delivering the Agreement to Employer. Employee has the right to
               revoke this Agreement within seven (7) days of the date of
               execution of the Release. To be effective, Employee must deliver
               a timely and written revocation notice to Employer.

               3. WAIVER OF KNOWN AND UNKNOWN CLAIMS. In executing this
Agreement, Employee intends to bar each and every claim, demand and cause of
action specified above; in furtherance of this intention Employee hereby
expressly waives any and all rights and benefits conferred upon Employee by any
statutory provision and expressly agrees that this Agreement will be given full
force and effect according to each and all of its express terms and provisions.
This Agreement extends to unknown and unsuspected claims, demands and causes of
action, if any, as well as to those relating to any other claims, demands and
causes of action hereinabove specified. Employee makes this waiver with full
knowledge of Employee's rights, after adequate opportunity to consult with legal
counsel.

Employee acknowledges that Employee may hereafter discover claims or facts in
addition to or different from those which Employee now knows or believes to
exist with respect to the subject matter of this Agreement, and which, if known
or suspected at the time of executing this Agreement may have materially
affected this settlement. Nevertheless, Employee hereby waives

                                      B-11

<PAGE>
any right, claim or cause of action that might arise as a result of such
different or additional claims or facts. Employee hereby understands and
acknowledges the significance and consequence of such release and waiver.

Notwithstanding such provision, this Agreement constitutes a full release in
accordance with its terms. Employee knowingly and voluntarily waives the
provisions of any statute, law, or rule that would operate to limit the waiver
and release provided for by this Agreement, and acknowledges and agrees that
this waiver is an essential and material term of this Agreement, and without
such waiver the severance payments to Employee would not have been paid.

               4. INDEMNIFICATION. Employee warrants and represents that
Employee has not previously assigned or transferred to any person not a party to
this Agreement, any released matter or any part or portion thereof and Employee
will defend, indemnify and hold harmless the Company from and against any claim
(including the payment of attorneys' fees and costs actually incurred whether or
not litigation is commenced) based on or in connection with or arising out of
any such assignment or transfer made, purported or claimed.

               5. GENERAL PROVISIONS.

               5.1. DISCLAIMER OF LIABILITY. While this Agreement resolves all
               issues between the parties, as well as any future effects and
               consequences of any acts or omissions, it does not constitute an
               admission by any of the parties of any liability or wrongdoing.
               Nothing in this Agreement or any related document will be
               construed or admissible in any proceeding as evidence of
               liability or wrongdoing by the Company or Employee.

               5.2. ADDITIONAL DOCUMENTATION AND COOPERATION WITH FURTHER
               PROCEEDINGS. From time to time and without charge or other
               consideration, the parties will execute such additional
               documentation, take any actions and cooperate in further
               proceedings in connection with carrying out and effectuating the
               intent and purpose of this Agreement and all transactions and
               things contemplated by this Agreement.

               5.3. ASSIGNMENT. This Agreement is a personal contract, and the
               rights, interests and obligations of Employee under this
               Agreement may not be sold, transferred, assigned, pledged or
               hypothecated, except that this Agreement may be assigned by the
               Company to any corporation or other business entity that succeeds
               to all or substantially all of the business of the Company
               through merger, consolidation, corporate reorganization or by
               acquisition of all or substantially all of the assets of the
               Company and that assumes the Company's obligations under this
               Agreement. The terms and conditions of this Agreement will inure
               to the benefit of and be binding upon any successor to the
               business of the Company and Employee's heirs and legal
               representatives.

               5.4. AMENDMENTS; WAIVERS. Amendments, waivers, demands, consents
               and approvals under this Agreement must be in writing and
               designated as such. No failure or delay in exercising any right
               will be deemed a waiver of such right.

                                      B-12

<PAGE>
               5.5. INTEGRATION. This Agreement is the entire agreement between
               the parties pertaining to its subject matter, and supersedes all
               prior agreements and understandings of the parties in connection
               with such subject matter.

               5.6. GOVERNING LAW. This Agreement is to be interpreted in
               accordance with the laws of the State of Oregon.

               5.7. HEADINGS. Headings of sections are for convenience only and
               are not a part of this Agreement.

               5.8. COUNTERPARTS. This Agreement may be executed in one or more
               counterparts, all of which constitute one agreement.

               5.9. SUCCESSORS AND ASSIGNS. This Agreement is binding upon and
               inures to the benefit of each party and such party's respective
               heirs, personal representatives, successors and assigns. Nothing
               in this Agreement, express or implied, is intended to confer any
               rights or remedies upon any other person.

               5.10. INTERPRETATION. This Agreement is to be construed as a
               whole and in accordance with its fair meaning. Any rule of law or
               any legal decision that would require interpretation of any
               claimed ambiguities in this Agreement against the party that
               drafted it, has no application and is expressly waived.

               5.11. TIME IS OF THE ESSENCE. Time is of the essence in the
               performance of each and every term, provision and covenant in
               this Agreement.

                                      B-13

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

                                            "Company"

                                            CORILLIAN CORPORATION

                                            By
                                               --------------------------------

                                            Its
                                                -------------------------------

                                            "Employee"

                                            --------------------------------
                                            Andrew White

                                      B-14

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