Document:

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                                                                   Exhibit 10.41

                             EMPLOYMENT AGREEMENT
                             --------------------

     This Employment Agreement (the "Agreement") between Kevin Shea (the
"Executive") and Trintech Inc., a California corporation (the "Company") is
entered into as of 22nd September, 1999 (the "Effective Date").

                                  BACKGROUND

     WHEREAS, the Company has agreed to employ the Executive, and the Executive
has agreed to accept employment with the Company, on the terms and conditions
set forth below;

     NOW, THEREFORE, in consideration of the foregoing recital and the
respective covenants and agreements of the parties contained in this document,
the Company and the Executive agree as follows:

     1.  Employment and Duties. The Executive shall be employed as the Chief
         ---------------------
Operating Officer of the Company effective as of the date hereof reporting to
the Chief Executive Officer of the Company (the "CEO"), and assuming and
discharging such responsibilities as are mutually agreed upon by the Executive
and the CEO commensurate with such office and position. The Executive shall
perform faithfully the executive duties assigned to him or which otherwise may
be customarily incident to such position to the best of his ability and shall
devote his full business time and effort to the performance of his duties
hereunder. The Executive will also be appointed a Board Director of Trintech
Group at the next scheduled Board Meeting following commencement of employment,
subject to receipt of necessary Board and Shareholder approvals. The Executive
will be required to provide the Company with acceptable documentary evidence of
his identity and eligibility for employment in the United States.

     2.  Base Salary. In consideration of the Executive's services rendered, the
         -----------
Executive shall be paid a minimum base salary at the rate of $225,000 per year
during the period of employment (the "Base Salary"), to be paid in installments
in accordance with the Company's standard payroll practices. This Base Salary
shall be inclusive of all applicable income, social security and other taxes and
charges which are required by law to be withheld by the Company, and which shall
be withheld and paid in accordance with the Company's standard payroll
practices. This Base Salary shall be reviewed for increases at least annually by
the Board on the same basis as the Board shall review the compensation of other
executive officers of the Company.

     3.  Bonus. In addition to base salary, the Executive shall receive a bonus
         -----
in an amount up to $100,000 based on criteria to be determined by the Company in
its sole discretion. This will be based on the achievement of performance
targets, which will be budgeted and agreed upon commencement of employment. This
bonus will be paid quarterly in arrears.

     4.   Stock Purchase. In addition, Trintech agrees to sell the Executive
          --------------
20,000 Ordinary Shares of Trintech Group at market value as part of the Initial
Public Offering Process. This sale will be subject to a lock up agreement of 180
days.
<PAGE>

     5.   At-Will Employment. The Company and the Executive acknowledge that the
          ------------------
Executive's employment is and shall continue to be at-will, as defined under
applicable law. If the Executive's employment terminates for any reason, the
Executive shall not be entitled to any payments, benefits, damages, awards or
compensation other than as provided by this Agreement (including as set forth in
Section 11(a) hereof), or as may otherwise be available in accordance with the
Company's established employee plans and policies or other written agreements
with the Executive at the time of termination. No provision in this Agreement
shall be construed as conferring upon Executive a right to continue as an
employee of the Company.

     6.   Benefits; Expenses. The Executive, together with his spouse and
          ------------------
dependent children, shall be permitted, to the extent eligible, to participate
in any group medical, dental, life insurance (3.5 times annual base salary) and
disability insurance plans, or similar benefit plans of the Company in each case
pursuant to the terms and conditions of each such plan or program (See attached
list of Company Benefits). The Company reserves the right to cancel or change
the benefit plans and programs it offers to its employees at any time. The
Executive shall also be entitled to four weeks annual vacation. Without limiting
the generality of the foregoing, the Company shall reimburse the Executive for
all reasonable business and travel expenses including tax and legal advisory
expenses, car and relocation costs actually incurred or paid by the Executive in
the performance of services on behalf of the Company, in accordance with the
Company's expense reimbursement policy as in effect from time to time.

     7.   Stock Options. As of the Option Date which is the next scheduled Board
          -------------
Meeting following commencement of employment, the Executive shall be granted a
stock option to purchase up to a total of 400,000 ordinary shares of Trintech
Group at an exercise price equal to the fair market value of the shares on the
grant date of grant (the "Option"). The Option shall be subject to the terms,
definitions and provisions of the Trintech Share Option Plan (the "Option Plan")
and the stock option agreement by and between Employee and the Company (the
"Option Agreement"). The Option shall vest as to 25% of the ordinary shares on
the first anniversary of the grant date, and ratably thereafter over a period of
12 quarters on a quarterly basis. Vesting of the Option shall be accelerated as
provided in Section 11(a) hereof.

     8.   Special Stock Options: As of the Option date which is the next
          ---------------------
scheduled Board Meeting on 23rd September, 1999, the Executive shall be granted
a special stock option (the "Special Option") to purchase up to a total of
20,000 ordinary shares of Trintech Group at an exercise price of $1.55 per
                                                                 ---------
share. The Special option will vest over two years with 50% of the Special
-----
Option vesting on the first anniversary of the option date provided the
Executive is in full employment with the Company, and the remaining 50% of the
Special Option vesting on the second anniversary of the option date, provided
the Executive is in full employment with the Company.

     9.   Rules and Regulations. Executive acknowledges that he or she is
          ---------------------
expected to abide by the Company's rules and regulations.

     10.  Covenant Not To Solicit.
          -----------------------
<PAGE>

          In the event that the Executive terminates his employment with the
Company voluntarily or the Company terminates the Executive's employment for
Cause, beginning with the effective date of such resignation or termination and
for a period of one (1) one year thereafter, the Executive agrees that he will
not:

               (i)   solicit, encourage, or take any other action which is
intended to induce any other employee of the Company to terminate his employment
with the Company, or

               (ii)  interfere in any manner with the contractual or employment
relationship between the Company and any such employee of the Company.

          The foregoing shall not prohibit the Executive or any entity with
which the Executive may be affiliated from hiring a former employee of the
Company, provided that such hiring results from such employee's affirmative
response to a general recruitment effort carded out through a public
solicitation or a general solicitation.

     11.  Covenants Not to Compete. Executive has agreed to be bound by the
          ------------------------
provisions contained in this Section 10.

          (a)  For purposes of this Agreement, the term "Non-Compete Period"
shall mean a period beginning on the Commencement Date and ending on the date
the Executive voluntarily resigns from his employment with the Company or the
Company terminates the Executive's employment for Cause, one year from the
effective date of such resignation or termination. For the purposes of this
Agreement, the term "Restricted Business" shall mean any business or enterprise
in which the Company or any of its affiliates engage at any time during the Non-
Compete Period. During the Non-Compete Period, the Executive covenants and
agrees that the Executive will not, directly or indirectly, own, manage,
operate, join, control, advise or participate in, as a shareholder (other than
as a shareholders with less than 1% of the outstanding stock of a company),
officer, manager, executive, partner, consultant or technical or business
advisor (or any foreign equivalents of the foregoing) any company that derives
more than 10% of its revenues from the Restricted Business, or any company or
entity controlling, controlled by or under common control with any company that
derives more than 10% of its revenues from such Restricted Business (any of the
foregoing, a "Restricted Company").

          (b)  In the event that the Executive intends to associate with any
Restricted Company during the Non-Compete Period, the Executive must provide
information in writing to the CEO relating to the business engaged in or
proposed to be engaged in by such Restricted Company. All such current
associations are set out in Exhibit A hereto. In the event that the CEO
authorizes the Executive to engage in such activity in writing, any activity by
the Executive described in the written information furnished to the CEO and so
authorized shall be conclusively deemed not to be a violation of Section 10(a)
hereof.

          (c)  If the Executive commits or, in the reasonable belief of the
Company, threatens to commit a breach of any of the provisions of this Section
10, the Company and each of its
<PAGE>

subsidiaries and affiliates shall have the right and remedy, in addition to any
other remedy that may be available at law or in equity, to have the provisions
of this Section 10 specifically enforced by any court having equity jurisdiction
together with an accounting for any benefit or gain by the Executive in
connection with any such breach, it being acknowledged and agreed that any such
breach or threatened breach will cause irreparable injury to the Company and its
subsidiaries and that money damages will not provide an adequate remedy
therefor. Such injunction shall be available without the posting of any bond or
other security, and the Executive hereby consents to the issuance of such
injunction. If any court determines that any of the provisions contained in this
Section 10 are unenforceable, such court shall have the power to modify such
provision and, in its modified form, such provision will then be enforceable.

     12.  Termination.
          -----------

          (a)  Severance. If, on or prior to the fourth anniversary of the
               ---------
Effective Date, the Executive's employment with the Company is Involuntarily
Terminated by the Company (other than for Cause), including without limitation
if the Executive's employment with the Company is Involuntarily Terminated by
the Company (other than for Cause) within 90 days of a Change of Control (as
those terms are defined in paragraph (c) below) (an "Event"), (i) the Company
shall, in addition to paying the Executive all unpaid Base Salary and benefits
accrued on or prior to the date of such Event, make a lump sum payment to the
Executive equal to $225,000 and (ii) all unvested shares subject to the Option
shall immediately vest. For the avoidance of doubt, the unvested portion of the
Special Option, if any, shall not accelerate as a result if Executive is
Involuntarily Terminated.

          (b)  Voluntary Resignation. Except as provided in Section 11(a), in
               ---------------------
the event that the Executive terminates his employment with the Company
voluntarily then the Company's obligation to the Executive will be limited
solely to the payment of accrued and unpaid Base Salary and benefits through the
date of such termination. The Executive's rights under the Company's benefit
plans upon such a termination shall be determined under the provisions of those
plans. The Executive agrees to give at least six months prior written notice of
his voluntary termination.

          (c)  Definitions.  (1) For purposes of this Agreement, the term
               -----------
"Involuntarily Terminated" shall mean (i) without the Executive's express
written consent, the assignment to the Executive of any duties, or the removal
from or reduction or limitation of the Executive's duties or responsibilities,
which in either case is a significant change in the Executive's position, title,
organization level, duties, responsibilities and status with the Company; (ii)
without the Executive's express written consent, a substantial reduction of the
facilities and perquisites (including office space and location) available to
the Executive immediately prior to such reduction; (iii) without the Executive's
express written consent, a material reduction by the Company in the base salary
of the Executive as in effect immediately prior to such reduction; (iv) without
the Executive's express written consent, a material reduction by the Company in
the kind or level of employee benefits to which the Executive is entitled
immediately prior to such reduction with the result that the Executive's overall
benefits package is significantly reduced unless such reduction affects all
employees of the Company generally; (v) without the Executive's express written
consent, the relocation of the Executive to a facility or a location more than
ninety (90) miles from the Executive's then-present work location; (vi) any
purported termination of the Executive by the Company other than for Cause,
<PAGE>

or by reason of the Executive's death or Absenteeism; or (vii) the failure of
the Company to obtain the assumption of this Agreement by any successor as
required by Section 14 below.

                    (2)  For purposes of this Agreement, "Cause" shall mean the
occurrence of any of the following: (i) Executive's refusal to perform his
material obligations under this Agreement or the reasonable directives of the
Board of Directors, (ii) any act of fraud, embezzlement, theft or personal
dishonesty taken by the Executive in connection with his responsibilities as an
employee which is intended to cause a material personal financial benefit for
the Executive, (iii) the Executive's conviction of or plea of nolo contendere to
a felony, (iv) use of controlled drugs (other than in accordance with a
physician's prescription) during employment hours, (v) a willful act by the
Executive which Constitutes misconduct and is injurious to the Company, and (vi)
continued willful violations by the Executive of the Executive's obligations to
the Company.

                    (3)  For purposes of this Agreement, the term "Change of
Control" shall mean an acquisition, merger or other similar form of
reorganization of the Company, after which the stockholders of the Company
immediately prior to such reorganization hold less than fifty percent (50%) of
the voting interests of the surviving entity.

          (d)  Death. The Executive's employment shall terminate in the event of
               -----
his death. Except for such obligations for Base Salary or other benefits that
have accrued to Executive prior to the Executive's death, the Company shall have
no obligation to pay or provide any compensation or benefits under this
Agreement to Executive or Executive's personal or legal representatives,
executors, administrators, successors, heirs, distributees, devisees and
legatees on account of the Executives death or otherwise. The Executive's rights
under the Company's benefit plans in the event of the Executive's death shall be
determined under the provisions of those plans.

          (e)  Absenteeism. Regular attendance at work is an essential element
               -----------
of the job for which Executive has been hired. The Company may terminate the
Executive's employment for Absenteeism by giving the Executive thirty (30) days'
advance notice in writing unless otherwise required by law. For all purposes
under this Agreement, "Absenteeism" shall mean that the Executive, at the time
notice is given, has been absent from work and is otherwise unable to perform
the essential functions of his job with or without a reasonable accommodation
for a period of not less than six (6) consecutive months. Except for such
obligations for Base Salary or other benefits that have accrued to Executive
prior to the Executive's termination, no compensation or benefits will be paid
or provided to the Executive under this Agreement on account of such termination
or otherwise. The Executive's rights under the Company's benefit plans shall be
determined under the provisions of those plans.

          (f)  Settlement and Release Agreement. Notwithstanding anything
               --------------------------------
contained herein to the contrary, as a condition to the obligations of the
Company under this Section 10, Executive shall execute and deliver to the
Company that certain Settlement and Release Agreement, substantially in the form
attached hereto as Exhibit B.
                   ---------

     13.  Tax Provisions. In the event that the benefits provided for in the
          --------------
Agreement, when aggregated with any other payments or benefits received by the
Executive, would (i) constitute
<PAGE>

"parachute payments" within the meaning of Section 280G of the Internal Revenue
Code of 1986, as amended (the "Code"), and (ii) would be subject to the excise
tax imposed by Section 4999 of the Code ("the Excise Tax"), then the Executive's
benefits hereunder shall be either:

          (a)  delivered in full, or

          (b) delivered as to such lesser extent which would result in no
portion of such benefits being subject to the Excise Tax,

whichever of the foregoing amounts, taking into account the applicable federal,
state and local income taxes and the Excise Tax, results in the receipt by the
Executive on an after-tax basis, of the greatest amount of benefits,
notwithstanding that all or some portion of such benefits may be taxable under
Section 4999 of the Code. Unless the Company and the Executive otherwise agree
in writing, any determination required under this paragraph shall be made in
writing by the Company's independent public accountants (the "Accountants")
whose determination shall be conclusive and binding upon the Executive and the
Company for all purposes. For purposes of making the calculations required by
this paragraph, the Accountants may 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 Executive shall furnish to the Accountants such
information and documents as the Accountants may reasonably request in order to
make a determination under this paragraph. The Company shall bear all costs the
Accountants may reasonably incur in connection with any calculations
contemplated by this paragraph.

     14.  Proprietary Information Agreement. In connection with commencement of
          ---------------------------------
the Executive's employment with the Company, the Executive will sign the
Company's standard confidentiality and invention assignment agreement (the
"Confidentiality Agreement"), provided that its provisions, if any, concerning
non-solicitation and non-competition shall be deleted in favor of the provisions
herein.

     15.  Successors. The Company shall require any successor or assignee, in
          ----------
connection with any sale, transfer or other disposition of all or substantially
all of the assets or business of the Company, whether by purchase, merger,
consolidation or otherwise, expressly to assume and agree to perform the
Company's obligations under this Agreement in the same manner and to the same
extent that the Company would be required to perform if no such succession or
assignment had taken place. In such event, the term the Company as used in this
Agreement, shall mean the Company as defined above and any successor or assignee
to the business and assets which by reason hereof becomes bound by the terms and
provisions of this Agreement. Without the written consent of the Company,
Executive shall not assign or transfer this Agreement or any right or obligation
under this Agreement to any other person or entity. Notwithstanding the
foregoing, the terms of this Agreement and all rights of Executive hereunder
shall inure to the benefit of, and be enforceable by, Executive's personal or
legal representatives, executors, administrators, successors, heirs,
distributees, devisees and legatees.

     16.  Confidentiality. Except as required by applicable laws, neither party
          ---------------
shall disclose the contents of this Agreement without first obtaining the prior
written consent of the other party,
<PAGE>

provided, however, that (i) the Executive may disclose this Agreement to his
attorney, financial planner and tax advisor if such persons agree to keep the
terms hereof confidential and (ii) the Company may disclose this Agreement if
its counsel advises that it is required to do so under applicable law.

     17.  Right to Advice of Counsel. Executive acknowledges that he has had the
          --------------------------
right to consult with counsel and is fully aware of his rights and obligations
under this Agreement.

     18.  Arbitration.
          -----------

          (a)  Except as provided in Section 17(c) below, the Company and
Executive agree that any dispute or controversy arising out of, relating to, or
in connection with this Agreement, or the interpretation, validity,
construction, performance, breach, or termination thereof, shall be settled by
binding arbitration unless otherwise required by law, to be held in San
Francisco County, California in accordance with the National Rules for the
Resolution of Employment Disputes then in effect of the American Arbitration
(the "Rules"). The arbitrator may grant injunctions or other relief in such
dispute or controversy. The decision of the arbitrator shall be final,
conclusive and binding on the parties to the arbitration. Judgment may be
entered on the arbitrator's decision in any court having jurisdiction.

          (b)  The arbitrator(s) shall apply California law to the merits of any
dispute or claim, without reference to rules of conflicts of law. Executive
hereby consents to the personal jurisdiction of the state and federal courts
located in California for any action or proceeding arising from or relating to
this Agreement or relating to any arbitration in which the parties are
participants.

          (c)  The parties may apply to any court of competent jurisdiction for
a temporary restraining order, preliminary injunction, or other interim or
conservatory relief, as necessary, without breach of this arbitration agreement
and without abridgement of the powers of the arbitrator.

          (d)  Executive understands that nothing in Section 17 modifies his at-
will status. Either the Company or Executive can terminate the employment
relationship at any time, with or without cause.

          (e)  EXECUTIVE HAS READ AND UNDERSTANDS THIS SECTION 16, WHICH
DISCUSSES ARBITRATION. EXECUTIVE UNDERSTANDS THAT BY SIGNING THIS AGREEMENT,
EXECUTIVE AGREES, EXCEPT AS PROVIDED IN SECTION 16(d), TO SUBMIT ANY CLAIMS
ARISING OUT OF, RELATING TO, OR IN CONNECTION WITH THIS AGREEMENT, OR THE
INTERPRETATION, VALIDITY, CONSTRUCTION, PERFORMANCE, BREACH OR TERMINATION
THEREOF TO BINDING ARBITRATION, UNLESS OTHERWISE REQUIRED BY LAW, AND THAT THIS
ARBITRATION CLAUSE CONSTITUTES A WAIVER OF EXECUTIVE'S RIGHT TO A JURY TRIAL AND
RELATES TO THE RESOLUTION OF ALL DISPUTES RELATING TO ALL ASPECTS OF EXECUTIVE'S
RELATIONSHIP WITH THE COMPANY.
<PAGE>

     19.  Governing Law. This Agreement shall be governed by and construed and
          -------------
enforced in accordance with the internal substantive laws of the State of
California, without regard to conflict of laws principles.

     20.  Integration. This Agreement, together with the Option Agreement, the
          -----------
Invention Assignment Agreement and any written agreements or other documents
evidencing matters referred to herein and any written Company existing plans
that are referenced herein represent the entire agreement and understanding
between the parties as to the subject matter hereof and thereof and supersede
all prior or contemporaneous agreements as to the subject matter hereof and
thereof, whether written or oral. No waiver, alteration, or modification, if
any, of the provisions of this Agreement shall be binding unless in writing and
signed by duly authorized representatives of the parties hereto.

     21.  Notices. 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 Executive, mailed
notices shall be addressed to him at the home address that he 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.

     22.  Waiver. If either party should waive any breach of any provisions of
          ------
this Agreement, he or it shall not thereby be deemed to have waived any
preceding or succeeding breach of the same or any other provision of this
Agreement.

     23.  Counterparts and Facsimiles. This Agreement may be executed, including
          ---------------------------
execution by facsimile signature, in counterparts, which together will
constitute one instrument.

     24.  Severability. Whenever possible, each provision of this Agreement will
          ------------
be interpreted in such manner as to be effective and valid under applicable law,
but if any provision of this Agreement is held to be invalid, illegal or
unenforceable in any respect under any applicable law or rule in any
jurisdiction, such invalidity, illegality or unenforceability will not affect
any other provision or the effectiveness or validity of any provision in any
other jurisdiction, and this Agreement will be reformed, construed and enforced
in such jurisdiction as if such invalid, illegal or unenforceable provision had
never been contained herein.

                 [Remainder of page intentionally left blank]
<PAGE>

You will be required to sign the Company's Confidentiality Agreement, which
forms part of the terms and conditions of your offer.

If you choose to accept this offer of employment, your employment with Trintech
will be voluntarily entered into and will be for a four year term with six
months termination notification and severance of 12 months (with the exception
of termination with cause). In the event of a change of control resulting in a
termination, 12 months severance will be paid.

For the purpose of federal immigration law, you will be required to provide
Trintech with documentary evidence of your identity and eligibility for
employment in the United States. Such documentation must be provided to us
within (3) business days of your date of hire, or our employment relationship
with you may be terminated.

In the event of any dispute or claim relating to or arising out of our
employment relationship including, but not limited on, any claims of wrongful
termination of age, sex, race or any other discrimination, you and Trintech
agree that all such disputes shall be fully and finally resolved by binding
arbitration conducted by the American Arbitration Association.

To indicate your acceptance of Trintech's offer of employment, please sign and
date this letter in the space provided below and return to me. A duplicate is
enclosed for your records. This letter, along with any agreement relating to
proprietary rights between you and Trintech, set forth the terms of your
employment with Trintech and supersede any prior representations or agreements,
whither written or oral. This letter may not be modified or amended except by a
written agreement signed by Trintech and by you.

Finally, we look forward to working with you at Trintech. Welcome aboard.

Yours sincerely,

/s/ John McGuire        /s/ Cyril McGuire
----------------        -----------------
John McGuire            Cyril McGuire
CEO                     President

THE ABOVE TERMS AND CONDITIONS AGREED TO:

Signed: /s/ Kevin Shea        Date:   9/23/99
        --------------                -------
        Kevin Shea

NOTE: This offer letter is, in broad terms, our agreement on your compensation
package. A more comprehensive offer letter is currently being prepared by our
U.S. legal counsel, Wilson Sonsini Goodrich & Rosati which will be required to
be signed prior to commencement of employment.
<PAGE>

                                    Addendum

                                       To

       Offer Letter and Employment Contract dated 22/nd /September, 1999

                                   Kevin Shea

This addendum confirms that your employment as Chief Operating Officer is within
the Trintech Group of companies including, Trintech Group plc and all its
subsidiaries including Trintech Inc., Trintech Technologies Limited, Trintech
GmbH.

This addendum also confirms that you will be appointed Director of Trintech
Group plc and Trintech Inc.

/s/ Cyril McGuire
-----------------
Cyril McGuire
Executive Chairman<PAGE>

                                                                   EXHIBIT 10.42

                             OFFICE LEASE AGREEMENT

                                 by and between

                                THE JOSHUA GROUP
                                  ("LANDLORD")

                                      and

                                 TRINTECH, INC.
                            A California Corporation
                                   ("TENANT")

BUILDING:      1720 Walton Road
               Blue Bell, PA  19422

LEASE DATED:   August 16/th/, 1999
<PAGE>

                                     INDEX

     PARAGRAPH  HEADING
     ---------  -------

     1.         Parties
     2.         Premises, Term, Rent and Use
     3.         Security Deposit
     4.         Annual Adjustment of Minimum Rent
     5.         Possession
     6.         Affirmative Covenants of Tenant
     7.         Holdover
     8.         Assignment and/or Sublet
     9.         Negative Covenants of Tenant
     10.        Services
     11.        Landlord's right to Enter
     12.        Release of Landlord
     13.        Insurance
     14.        Fire or Other Casualty
     15.        Tenant Default
     17.        Subordination
     18.        Assignment or Sale by Landlord
     19.        Attornment
     20.        Estoppel Letter
     21.        Condemnation
     22.        Notices
     23.        Quiet Enjoyment
     23.        Relocation
     25.        Binding Effect
     26.        Unrelated Business Taxable Income
     27.        Termination of Lease by Expiration of Term
     28.        Miscellaneous Taxes
     29.        Liens
     30.        Severability
     31.        Captions
     32.        Broker
     33.        Entire Agreement

                                    EXHIBITS

     "A"  Commencement Memorandum
     "B"  Workletter Agreement
<PAGE>

                            OFFICE LEASE AGREEMENT
                            ----------------------

                      Made this 16th day of August, 1999.

1.   Parties

     1.1  Landlord:                        THE JOSHUA GROUP

          Having its business offices at:  2001 Joshua Road
                                           Lafayette Hill, PA  19444

     1.2  Tenant:                          TRINTECH, INC.

          Having it's business offices at: 2105 South Bascom Ave, Suite 110
                                           Campbell, CA  95008

2.   Premises, Term, Rent and Use

     2.1  Landlord hereby leases to Tenant, and Tenant hereby rents from
Landlord, all that certain office space containing approximately 2,475 rentable
square feet, which is situated on the 2/nd/ floor and designated Suite   in the
Building known as 1720 Walton Road, Blue Bell, PA  19422 ("Premises"), together
with the right to use, on a nonexclusive basis and in common with the other
tenants of the Building, the Common Facilities of the Building as hereinafter
defined in paragraph 6.5.

     2.2. Tenant agrees to rent said Premises subject to the following
conditions:

          a) Subject to the provisions of paragraph 5.1. the Lease term shall be
12 months commencing on September 1, 1999 ("Commencement Date") and ending on
August 31, 2000 ("Termination Date").

          b) If the date that the Premises is "Ready for Occupancy" (as defined
in Paragraph 5.1 hereof) is after the Commence Date as set forth in Paragraph
2.2a hereof, the term of this Lease shall be increased or extended by the number
of days from the date the Premises are Ready for Occupancy until the end of the
calendar month in which the Ready for Occupancy date occurs (hereinafter
referred to as "Commencement Month") in which event the First Lease Year shall
be deemed to end on the last day of the Commencement Month in the following
calendar year. Each subsequent Lease Year shall end on the anniversary date of
the last day of the First Lease Year. When the commencement Date of this Lease
shall be established, the parties hereto shall execute a memorandum confirming
such Commencement Date, which memorandum shall be in the form as attached hereto
as Exhibit "A" and when full executed by Landlord and Tenant shall be attached
to and form a part of this Lease. Tenant's failure or refusal to execute Exhibit
"A" shall constitute a default hereunder.

     2.3  Tenant covenants and agrees that is shall pay to Landlord a "Minimum
annual Rent" for the Premises as follows:

          a) The Minimum Annual Rent payable for the First Lease Year shall be
Forty Five Thousand Seven Hundred Eight Seven and 50/100 Dollars ($45,787.50),
payable in equal monthly installments of Three Thousand Eight Hundred Fifteen
and 63/100 Dollars (3,815.63).

          b) Upon execution of this Lease by Tenant, Tenant shall pay to
Landlord the sum of Three Thousand Eight Hundred Fifteen and 63/100 Dollars
($3,815.63) which sum represents the first monthly installment of minimum rent
in advance and shall be applied or credited by Landlord to the monthly rent for
the first full calendar month of the term hereof.

          c) In the event Landlord has substantially completed the interior fit-
out of the Premises as required of the Landlord hereunder in accordance with
paragraph 5 hereof and Tenant is able to use and occupy the Premises prior to
the Commencement Date set forth in paragraph 2.2 (a), Tenant shall pay a per
diem rental charge for such early occupancy in the amount of One Hundred Twenty
Seven and 19/100 ($127.19) for each day of early occupancy. Such early occupancy
of the Premises by Tenant shall not alter or change the Commencement Date or
Termination Date of this Lease as stated in paragraph 2.2a(a) above.

          d) The Minimum Monthly Rent payable by Tenant hereunder shall be paid
by Tenant to Landlord without notice throughout the term of this Lease, and any
renewals or extensions thereof, in accordance with paragraph 6.1.

     2.4  Tenant shall occupy the Premises throughout the Term, and shall use
the same for the and only for administrative or professional office(s), and
Tenant shall make no other use of the Premises without Landlord's prior written
consent, which consent shall no be unreasonably withheld or delayed.

                                                                          Page 3
<PAGE>

3.   Security Deposit

Upon the execution of his Lease, Tenant shall deposit with Landlord as security
for all the terms, covenants and conditions of this Lease the sum of Three
Thousand Eight Hundred Fifteen and 63/100 dollars ($3,815.63). This deposit is
to be retained by Landlord until the expiration of this Lease and shall be
returnable to Tenant provided that (1) the Premises have been vacated; (2)
Landlord shall have inspected the Premises after such vacation; and (3) Tenant
shall have complied with all the terms, covenants and conditions of this Lease,
otherwise, the deposit so paid hereunder or any part thereof may be retained by
Landlord, at its option, as liquidated damages, or may be applied by Landlord
against any actual loss damage or injury chargeable to Tenant, hereunder or
otherwise, if Landlord determines that such loss, damage or injury is chargeable
to Tenant. If any portion of said deposit is so used or applied, Tenant shall
within five (5) business days after written demand from Landlord, deposit cash
with the Landlord in an amount sufficient to replace the amount of the deposit
so used or applied. This deposit may not be used as the last rental payment
under the Lease. In the event the Building of which the Premises forms a part is
sold, the deposit will be transferred to the new owner.

5.   Possession

     5.1  Landlord shall prepare the Premises for occupancy by the Tenant on the
commencement Date hereof in accordance with the Work Letter Agreement and Tenant
Space Plan attached hereto as Exhibits "B" and "C" respectively. The Premises
                              --------------------
shall be deemed "Ready for Occupancy" if the fit-out required by and set forth
on Exhibits "B" and "C" has been substantially and materially completed by
   --------------------
Landlord, or its contractor, such that Tenant could reasonably conduct business
therein and any unfinished items have been reduced to a "Purchase List". If the
Premises are not Ready for Occupancy by the commencement Date hereof, Landlord
shall no be subject to any liability or penalty. Under such circumstance, the
Commencement Date, and Tenant obligation with respect to the payment of the
Minimum Rent, shall be postponed until and established as of, the actual day the
Premises are Ready for Occupancy as defined herein. The Termination Date hereof
shall be adjusted in accordance with Paragraph 2.2(b). Failure to give
possession on the Commencement Date shall not in any other way affect the
validity of this Lease or Tenant's obligation hereunder.

6.   Affirmative Covenants of Tenant
Tenant covenants and agrees that it will without demand:

     6.1  Payment of Rent

          Pay the monthly rent in advance by the first day of each calendar
month and all other charges herein reserved as rent on the days and times the
same are made payable without fail, and without set-off, deduction or counter-
claim. Rent is to be paid to the Landlord at Property Manager's office at the
address stated in paragraph 22 or at such other address as directed from time to
time by the Landlord in writing. Tenant shall pay a late charge of ten percent
(10%) on each dollar of rent, or any other sum collectible as rent, or any other
sum collectible as rent under this Lease, not paid within ten (10) calendar days
after the same is due. If Landlord shall at any time or times accept said rent
or rent charges after the same shall have become due and payable, such
acceptance shall not excuse delay upon subsequent occasions, or constitute, or
be construed as a waiver of any of the Landlord's rights. Tenant agrees that any
charge or payment herein reserved, included or agreed to be treated or collected
as rent may be proceeded for and recovered by Landlord in the same manner as
rent due and in arrears.

                                                                          Page 4
<PAGE>

     6.2  Requirements of Public Authorities

          Comply with, at Tenant's sole cost and expense, all requirements of
any of the public authorities and with the terms of any State or Federal statute
or local ordinance or regulation applicable to Tenant or in its use of the
Premises, and save Landlord harmless from all penalties, fines, costs or damages
resulting from Tenant's failure to do so.

     6.3  Rules and Regulations

          Comply with all reasonable rules and regulations, from time to time
made by Landlord for the safety, care, upkeep and cleanliness of the Premises,
and/or the Building and grounds of which it is part, and/or for the comfort,
quiet and convenience of all the occupants or tenants of the Building provided
such rules and regulations are uniformly applied to all tenants of the Building
and are provided to Tenant in advance. Tenant agrees that such rules and
regulations shall, when written notice thereof is given to Tenant, form a part
of this Lease. The Tenant agrees to comply with the following rules and
regulations and with such reasonable modifications thereof and additions thereto
as the Landlord may hereafter from time to time make for the Building of which
the Premises forms a part. The Landlord shall not be responsible for the non-
observance by any other tenant for any of said rules and regulations.

          a) The Tenant shall not exhibit, sell or offer for sale on the
Premises or in the Building any article or thing except those articles and
things essentially connected with the stated use of the Premises by the Tenant
without the prior written consent of the Landlord. The  Premises shall not be
used for the manufacture, storage or sale at auction of any merchandise or goods
or tangible property of any kind without the specific written approval of
Landlord.

          b) The Tenant will not make or permit to be made any use of the
Premises or any part thereof which would violate any of the covenants,
agreements, terms, provisions and conditions of this Lease or which directly or
indirectly is forbidden by public law, ordinance or governmental regulation or
which may be dangerous to life, limb or property, or which may invalidate or
increase the premium cost of any policy of insurance carried on the Building or
covering its operation, or which will suffer or permit the Premises or in part
thereof to be used in any manner or anything to be brought into or keep therein
which in the judgment of Landlord, reasonably exercised, shall in any way impair
or tend to impair the character, reputation or appearance of the Building as a
high quality office building or which will impair or interfere with or ten to
impair or interfere with any of the services performed by landlord for the
Building.

          c) No additional locks or similar devices shall be attached to any
door or window without Landlord's prior written consent. No keys for any door
other than those provided by the Landlord shall be made. If more than two keys
for one lock are desired, the Landlord will provide the same upon payment by the
Tenant. All keys must be returned to the Landlord at the expiration or
termination of this Lease.

          d) All persons entering or leaving the Building after hours on Monday
through Friday, or at any time on Saturdays, Sundays or holidays, may be
required to do so under such regulations as the Landlord may impose. The
Landlord may exclude or expel any peddler.

          e) The Tenant shall not overload any floor. The Landlord may
reasonably direct the time and manner of delivery, routing and removal and the
location of safes and other heavy articles.

          f) Unless the Landlord gives advance written consent, the Tenant shall
not install or operate any steam or internal combustion engine, boiler,
machinery, refrigerating or heating device or air conditioning apparatus in or
about the Premises, or carry on any mechanical business therein or use the
Premises for housing accommodations or lodging or sleeping purposes or do any
cooking therein, or use any illumination other than electric light or use or
permit to be brought into the Building any material or other articles deemed
hazardous to life, limb, or property, no bicycles, vehicles, or animals of any
kind shall be brought into or kept in the Premises excepting seeing eye dogs.
Tenant or its employees shall not utilize any type of space heater in the
Premises without the prior written approval of the Landlord. The Tenant shall
not use the Premises for any illegal purpose.

          g) The Tenant shall cooperate fully with the Landlord to assure the
effective operation of the Building's air conditioning system, including the
closing of venetian blinds or drapes, and if windows are operable to keep them
closed when the air conditioning system is in use and not to permit any of
Tenant's employees, agents or invitees to throw anything out of the windows.

          h) The sidewalks, halls passages, exits, entrances, elevators, and
stairways shall not be obstructed by the Tenant or used for any purpose other
than for ingress to and egress from its Premises. The halls, passages, exits,
entrances, elevators, stairways and roof are not for the use of the general
public and the Landlord shall in all cases retain the right to control and
prevent access thereto by all persons whose presence, in the judgment of the
Landlord, shall be prejudicial to the safety, character, reputation and
interests of the Building and its tenants, provided that nothing herein
contained shall be construed to prevent such access to persons with whom the
Tenant normally deals in the ordinary course of  Tenant's business unless such
persons are engaged in illegal activities. No Tenant and no employees or
invitees of any Tenant shall of upon the roof or mechanical floors of the
Building.

                                                                          Page 5
<PAGE>

          i) Tenant shall not use, keep or permit to be used or kept any foul or
noxious gas or substance in the Premises, or permit or suffer the Premises to be
occupied or used in a manner reasonably offensive or reasonably objectionable to
the Landlord or other occupants of the Building by reason of noise (whether by
the use of musical instruments, radios, tapes, records, whistling, singing, or
by any other way) odors and/or vibrations, or interfere in any way with other
tenants or those having business therein, nor shall any animals or birds be
brought in or kept in or about the Premises or the Building. Tenant shall not
cause or permit any unusual noxious or objectionable odors to originate from the
Premises

          j) Tenant shall see that the doors and windows, if operable of the
Premises are closed and securely locked before leaving the Building and must
observe strict care and caution that all water faucets or water apparatus are
entirely shut off before Tenant or Tenant's employees leave the Building and
that substantially all electricity shall likewise be carefully shut off as may
be practicable so as to prevent waste or damage and for any default or
carelessness Tenant shall make good all injuries or losses sustained by other
tenants or occupants of the Building or Landlord.

               In addition to all other liabilities for breach of any covenant
of this paragraph 6.3 the Tenant shall pay to the Landlord an amount equal to
any increase in insurance premiums payable by the Landlord caused by such breach
by Tenant.

     6.4  Notification of Accident, Etc.
          Give to Landlord written notice of any accident, fire or damage
occurring on or to the Premises within twenty-four (24) hours of Tenant's
knowledge of such occurrence.

     6.5  Condition of Premises

          As used herein Premises shall be deemed to mean those areas used
exclusively by Tenant and "Common Facilities" are hereby defined to include the
lawns, shrubbery, curbs, sidewalks, parking areas, entranceway, lavatories,
elevators, interior foyers or lobbies, hallways, and stairtowers of the
Building. Tenant shall during the term of this Lease keep the Premises in good
order and condition, ordinary wear ad tear excepted; and toward that purpose
Tenant will promptly make all necessary repairs and replacements to the areas
used exclusively by Tenant. Without limited the foregoing Landlord may at its
discretion, and without any duty to do so, make any necessary repairs or
restoration. Landlord at Landlord's expense shall keep in good order and safe
condition, and shall promptly repair, the Common Facilities, the structural
portions of the Building (which are hereby defined as the structural parts of
the roof, floor, slab, foundation, load bearing members, trusses and joists),
the interior and exterior walls exclusive of Tenant's partitions AND demising
walls), windows, and the mechanical, electrical, HVAC, and plumbing systems and
equipment of the Building and Premises, except where the damage or repair has
been made necessary by the misuse, act or neglect by Tenant or Tenant's agents,
employees, and invitees, in which event Landlord shall nevertheless make the
repair but Tenant shall pay to Landlord, as additional rent immediately upon
written demand the reasonable costs therefore.

7.   Holdover

Tenant shall peaceably deliver up and surrender possession of the Premises to
Landlord at the expiration or sooner termination of this Lease and promptly
deliver to Landlord at its office all keys for the Premises. If the Tenant
retains possession of the Premises or any part thereof after the termination of
the term, the Tenant shall pay the Landlord Rent at double the monthly rent
specified in paragraph 2.3 (and as increased in accordance with paragraph 4) for
the time the Tenant thus remains in possession sustained by reason of the
Tenant's retention of possession. If the Tenant remains in possession the
Premises, or an part thereof after the termination of the term, such holder hall
at the election of the Landlord expressed in a written notice to the Tenant and
not otherwise, constitute a renewal of this Lease for one year. The provisions
of this paragraph 7 do not exclude the Landlord's rights of re-entry or any
other right hereunder.

8.   Assignment and/or Sublet

     8.1  Tenant shall not, without Landlord's prior written consent, which
consent shall not be unreasonably withheld or delayed (i) assign, convey,
mortgage, pledge, encumber, or otherwise transfer (whether voluntarily or
otherwise) this Lease or any interest under (ii) allow any transfer thereof or
any lien upon Tenant's interest by operation of Law, ((iii) sublet the Premises
or any part thereof, or (iv) permit the use or occupancy of the Premises or any
part thereof by anyone other than Tenant.

     8.2  Notwithstanding anything herein to the contrary, if Tenant desires to
sublet or assign this Lease with respect to all or part of the Premises. Tenant
shall notify Landlord in writing ("Assignment Notice") of the identity of the
proposed sublessee or assignee the terms of the proposed subletting or
assignment and the area proposed to be sublet or covered by the assignment and
shall give Landlord the option to:

          (a) subject from Tenant such space at the same rent as Tenant is
required to pay under the Lease.
          (b) terminate this Lease with respect to the assignment or sublet
space; or
          (c) consent to the assignment or subletting of the space, or
          (d) withhold consent to the assignment or sublet.

                                                                          Page 6
<PAGE>

          Tenant specifically agrees, however, that no assignment or sublet
shall be consented to by Landlord unless Tenant is not in default of any of the
terms of this Lease beyond the expiration of any applicable notice or grace
period, the assignee or sublessee shall actually occupy the Premises: Tenant
agrees in writing to remain jointly and severally liable for all the terms
covenant and conditions of this Lease; and it is agreed that any rent charged by
Tenant to a subtenant that is over and above the rent paid to Landlord by the
terms of the terms of this Lease shall be shared equally by Landlord and Tenant.

     8.3  Any of Landlord's options hereunder shall be exercised in writing
within thirty (30) days of Landlord's receipt of Tenant's Assignment Notice. If
Landlord fails to exercise any of its options within the aforesaid thirty (30)
day period, Landlord shall be deemed to have consented to the assignment and/or
sublet.

     8.4  If the assignment or sublet space does not constitute the entire
Premises and Landlord exercises its option to terminate this Lease for that
portion thereof, this Lease shall remain in full force and effect, except that
the monthly rental shall be reduced by a percentage equal to the percentage of
which the terminated area represents of the entire Premises.

     8.5  In the event Landlord exercises its option to sublet the subject
space, the subletting shall be on such terms and conditions as contained in this
Lease to the extent applicable, except that Landlord shall have the
unconditional right to re-sublet or reassign the subject space to another party.

     8.6  If Landlord consents to an assignment or sublet or is deemed to have
consented to same, Tenant shall, within thirty (30) days thereof, provide
Landlord with a copy of the fully executed assignment or sublease agreement,
which agreement shall include provisions which obligates Tenant and such
sublessee or assignee to be jointly and severally liable to Landlord for all
terms and conditions contained in this Lease. Should Tenant fail to produce same
within thirty (30) days, then Landlord's consent shall be null and void and
Tenant shall remain solely responsible for all terms and conditions of this
Lease as though Tenant's Assignment Notice had never been received by Landlord.

     8.7  Landlord's consent to an assignment or sublet shall not be construed
to any subsequent assignment or sublet, and each such subsequent assignment or
sublet shall require an Assignment Notice and Landlord's consent as outlined
herein. Nor shall Landlord's acceptance of a rental payment from an assignee or
sublessee be construed as consent thereto if Landlord has not expressly
consented thereto in writing.

     8.8  Tenant agrees to pay to Landlord reasonable costs including attorney's
fees, incurred by Landlord in connection with review of any request by Tenant
for Landlord's consent to an assignment or sublet. The maximum charge to Tenant
for such review shall be Five Hundred Dollars ($500.00).

9.   Negative Covenants of Tenant
Tenant covenants and agrees it will do none of the following (i.e. paragraphs
9.1 through 9.8 inclusive) without the prior written consent of Landlord.

     9.1  Sinage

          Place or paint any signs on the Premises or anywhere on or in the
Building of which the Premises forms a part, or place any curtains, blinds,
shades, awnings, aerials, banners or flags, or the like (hereinafter
collectively referred to as "Signs"), in the Premises or anywhere on or in the
Building visible from outside the Premises. Landlord reserves the absolute
right, in its sole discretion, to disapprove any Signs on aesthetic grounds
including size, type, location and/or quality. Tenant shall pay the expenses
involved in erection of any Signs and obtaining a permit therefor. Tenant
warrants that it shall obtain all necessary permits prior to erecting any such
Signs and that Tenant shall remove said Signs or the like, on termination of
this Lease and promptly restore any damage caused by the installation and/or
removal thereof. The listing of any name other than that of Tenant, whether on
such Signs or the Building directory, or otherwise, shall not operate to vest
any right or interest in this Lease or in the Premises or be the written consent
of Landlord mentioned in paragraph 8.3, it being expressly understood that any
such listing is a privilege extended by Landlord revocable at will by written
notice to Tenant.

     9.2  Alterations to Premises

Make any alterations, improvements, or additions to the Premises. In the event
Tenant desires to make any alterations, improvements, or additions, Tenant shall
First submit to Landlord plans and significations therefor and obtain Landlord's
written approval thereof prior to commencing any such work. All alterations,
improvements, or additions or fixtures whether installed before or after the
execution of this Lease shall remain upon the Premises at the expiration or
sooner termination of this Lease and become the property of Landlord without
compensation to Tenant (excepting only Tenant's moveable office furniture, trade
fixtures, office and professional equipment), unless Landlord shall, prior to
the Termination Date of this Lease, have given written notice to Tenant to
remove the same, in which event Tenant shall remove such alterations,
improvements and additions or fixtures, and restore the Premises to the same
good order and condition in which they were upon initial occupancy. Should
Tenant fail to do so, Landlord may, at Landlord's option, restore the Premises
and collect the complete cost and expense therefor from the Tenant as additional
rent.

                                                                          Page 7
<PAGE>

     9.3  Machinery and Equipment

          Use, operate or maintain any machinery, equipment or Fixture that, in
Landlord's opinion, is harmful to the Building and appurtenances of which the
Premises are a part or is disturbing to other tenants occupying any other part
thereof.

     9.4  Weights

          Place any weights in any portion of the Premises beyond the safe
carrying capacity of the Building.

     9.5  Fire Hazard

          Do or cause to be done any act objectionable to the fire insurance
companies whereby the fire insurance or any other insurance now in force or
hereafter to be placed on the Premises or on the Building shall become void or
suspended, or whereby the same shall be rated as a more hazardous risk than at
the date of execution of this Lease; or have any highly flammable, volatile or
explosive matter of any kind on or about the Premises. In case of a breach of
this covenant (in addition to all other remedies herein given to Landlord),
Tenant agrees to pay Landlord as additional rent any and all increase or
increases of premiums on insurance reasonably carried by Landlord on the
Premises, or on the Building and appurtenant land caused in any way by the
occupancy of Tenant.

     9.6  Congestion

          Shall not permit the Premises to be used or occupied in a congested
manner. The number of people that shall use or occupy the Premises shall be
reasonable for the size of the Premises taking into consideration the safety of
the occupants, the burden that an unreasonable number of occupants will place
upon the electricity, heating and air conditioning equipment, the congestion
that would result in the common facilities of the Building and its
appurtenance(s) such as hallways, washrooms, parking lot, etc. If in Landlord's
opinion reasonably exercised the Premises are being used occupied by more people
than is reasonable. Tenant agrees to reduce the number thereof upon written
demand of Landlord to the number that Landlord reasonably determines to be
reasonable for the Premises.

     9.7  Removal of Goods.

          Remove, attempt to remove or manifest an intention to remove Tenant's
goods or property from or out of the Premises otherwise than in the ordinary and
usual course of business, without having first paid and satisfied Landlord for
all rent which may become due during the entire term of this Lease, in addition
to all sums denominated as additional rent under this Lease.

     9.8  Toxic or Hazardous Material

          Use, store or dispose of any toxic or hazardous material or substance,
as defined by any local, state or federal law or regulation, in or around the
Premises. As used herein, the term "Hazardous Materials" means any hazardous or
toxic substance, material or waste (including, without limitation, asbestos)
which, now or in the future, is determined by any state, federal or local
governmental authority to be capable of posing a risk of injury to health,
safety or property and/or the use and/or disposal of which is regulated by any
governmental authority. If the Premises, or any equipment, trade Fixtures or
other mechanical apparatus therein, contains any Hazardous Material which was
installed or placed therein by Tenant, Landlord, at its election, shall have the
right to (i) cause Tenant to remove and properly dispose of same, all at
Tenant's sole cost and after Landlord approves Tenant's removal and disposal
plan which shall be submitted to Landlord in writing, or (ii) perform the
removal and disposal thereof itself, in which event Tenant shall reimburse
Landlord, on written demand, for the cost incurred by Landlord in doing so
including the securing of all applicable certification. Tenant shall not cause
or permit any Hazardous Material to be brought upon, kept or used in or about
the Premises by Tenant, its agents employees, contractors or invitees.

10.  Services

The following services and facilities shall be supplied by Landlord at no
additional cost to Tenant (except for the payment of electricity used or
consumed by Tenant in or for the Premises as set forth in paragraph 10.3) in
connection with Tenant's use of the Premises, in common with other tenants of
the Building of which the Premises are a part.

     10.1  Parking

           Tenant shall be entitled to park, on a nonexclusive basis and in
common with the other tenants of the Building, in the parking facilities
provided for tenants of the Building. Tenant shall not overburden the parking
facilities and agrees to cooperate with Landlord and other tenants in the use of
the parking facilities. Landlord reserves the right to reasonably determine
whether the parking facilities are becoming crowded, and in such event to
allocate parking spaces among tenants or to otherwise limit the number of
parking spaces available for use by Tenant, its employees and invitees. The
parking facilities and exterior common areas shall not be obstructed by Tenant
or used by Tenant for any purposes others than parking of motor vehicles and
ingress and egress from and to Tenant's Premises. Tenant's employees, agents,
invitees and licensees shall not be permitted to park or store on the grounds of
the Building any commercial vehicle or storage vehicle. Tenant shall observe,
and use only for its designated purpose, and shall cause its employees, agents,
invitees and licensees to observe and use only for their designated purpose all
handicap parking spaces, loading zones and fire lanes as established by the
Landlord from time to time.

                                                                          Page 8
<PAGE>

     10.3 Electricity

          Landlord shall supply the Premises with reasonable electric service
for heat, air conditioning, lighting and power to operate Tenant's business
machines and equipment. Landlord shall not have any responsibility or liability
to Tenant for any failure, any fluctuation or any surge of electrical power or
capacity as provided by or caused by the utility company supplying the same.
Landlord shall read the building's electrical meter on a monthly basis and bill
Tenant for Tenant's proportionate share, which will equate to 19% of the
electric bill. (2,475 square feet divided by 13,000 square feet equates to 19%.)

     10.4 Elevator Services

          Landlord shall provide elevator services during the normal hours of
Building operation which is hereby defined to be between the hours of 8:00 AM to
6:00 PM, Monday through Friday, excluding legal holidays such as New Year's Day,
Memorial Day, Independence Day, Labor Day, Thanksgiving Day and Christmas Day.
All Tenant move-ins or move-outs shall not be permitted during normal business
hours except with the prior written consent of Landlord or its Property Manager.

     10.5 Interruption of Services

          Landlord shall have no responsibility or liability to Tenant, nor
shall there be any abatement in rent for any failure to supply any of said
services and facilities that Landlord has agreed to supply hereunder or for any
period said services and facilities are out of order, undergoing repair or are
disrupted by labor disorders, strikes, accidents or other causes beyond
Landlord's control.

11.  Landlord's Right to Enter

Tenant shall permit Landlord. Landlord's agents, or any person authorized by
Landlord to inspect the Premises at any time, and to enter the Premises for the
purposes of cleaning and, if Landlord shall so elect, for making reasonable
alterations, improvements or repairs to the Building or for any reasonable
purpose in connection with the operation and maintenance of the Building
including showing the Premises to prospective tenants.

12.  Release of Landlord

Tenant agrees to be responsible for and to indemnify and hold Landlord harmless
from any and all costs, including attorney fees, and/or liability by reason of
any injury, loss, damage to any person or property in the Premises or the
Building of which the Premises are a part, whether the same be due to fire,
breakage, leakage, water flow, gas, failure of water supply or light or power or
electricity, wind lightning, storm, or any other cause whatsoever, whether the
loss, injury or damage be to the person or property of Tenant or any other
person.

13.  Insurance

Tenant, at its own cost and expense, will provide and keep in force during the
term of this Lease, comprehensive general liability insurance with a combined
single limit of One Million Dollars ($1,000,000) covering the Premises. Tenant
shall also provide and keep in force a fire and hazard policy in an amount
sufficient to cover the replacement cost of all Tenant's contents and property
kept on the Premises. Tenant's fire and hazard insurance shall contain an
endorsement denying the insurer any right of subrogation against Landlord. All
policies shall name Landlord as additional named insured and provide for at
least thirty (30) days written notice to Landlord before cancellation or
material change, Landlord shall be provided with a Certificate of Insurance as
evidence of said coverage prior to the Commencement Date of this Lease and
Tenant's occupancy of the Premises, and Tenant shall promptly furnish Landlord
with a renewal Certificate of Insurance on or before the date of expiration of
the then current Certificate of Insurance.

14.  Fire or Other Casualty

     14.1  If during the term of this Lease or any renewal or extension thereof,
the Premises or the Building are totally destroyed or so damaged by fire or
other casualty not occurring through the fault or negligence of Tenant or those
employed by or acting for Tenant and the same cannot be repaired or restored
within one hundred twenty (120) calendar days from the date of the occurrence of
such damage, or if such damage or casualty is not included in the risks covered
by Landlord's fire insurance with the usual extended coverage, then this Lease
shall absolutely cease and terminate and the rent shall abate for the balance of
the term. In such case, Tenant shall pay the rent apportioned to the date of
damage and Landlord may enter upon and repossess the Premises without further
notice and with the right the break in and take possession.

                                                                          Page 9
<PAGE>

     14.2   If the damage caused as above be only partial, Landlord may exercise
either of the following options:

            (a) If the repair of such partial destruction can be made with
            Landlord's insurance proceeds, Landlord shall have the option to
            restore the Premises for that purpose and the rent shall be
            apportioned during the time Landlord is in possession, taking into
            account the proportion of the Premises rendered untenantable and the
            duration of Landlord's possession if a dispute arises as to the
            amount of rent due under this clause, Tenant agrees to pay in escrow
            with Madison Bank (or a successor reasonably acceptable by Landlord
            and Tenant) the full amount claimed by Landlord and Tenant shall
            have the right to proceed by law or recover the excess payment, if
            any; or

            (b) In the event of said partial destruction, Landlord shall have
            the option to terminate this Lease by giving written notice of such
            termination to Tenant within sixty (60) days after said partial
            destruction; and upon giving of such notice, the Lease shall expire
            immediately, and the Tenant shall vacate the Premises.

     14.3   If the damage caused as above is only slight, such that Tenant can
continue to reasonably conduct business in the entire Premises, Landlord shall
repair whatever portion, if any, of the Premises that may have been damaged by
fire or other casualty and the rent accrued or accruing shall not be apportioned
or suspended.

     14.4   If said damage by fire or other casualty was caused by the gross
negligence or willful misconduct of Tenant or its agents, employees or invitee,
Tenant shall not be entitled to any abatement or apportionment of the rent.

15.  Additional Rent

Tenant agrees to pay Landlord as rent, in addition to the minimum rental herein
reserved, any and all sums which may become due under this Lease by reasons of
any and all covenants of this Lease or by reasons of any default or failure on
Tenant's part to comply with any and all of the covenants of this Lease, and
also any and all damages to the Premises caused by any act or neglect of Tenant,
its contractors, agents or employees.

16.  Tenant Default
     16.1   If Tenant:
            (a) Does not pay in full when due any and all installments of rent
            and/or any other charges or payment herein reserved, included, or
            agreed to be treated or collected as rent; or
            (b) Violates or fails to perform or otherwise breaks any covenant or
            agreement herein contained; or
            (c) Vacates the Premises or removes or attempts to remove or
            manifests an intention to remove all of Tenant's goods or property
            therefrom otherwise than in the ordinary and usual course of
            business or an assignment or subletting without having first paid
            and satisfied Landlord in full for all rent and other charges,
            expenses and costs then due or that may thereafter become due until
            the expiration of the terms; or
            (d) Makes an assignment for the benefit of creditor; or files a
            voluntary petition under any bankruptcy or insolvency law; or if an
            involuntary petition alleging an act of bankruptcy or insolvency is
            filed against Tenant (and not discharged within sixty (60) days); or
            whenever the Tenant permits or otherwise suffers this Lease to be
            taken under any writ of execution; or if this Lease passes to or
            devolves upon, by law or otherwise, to one other than Tenant; or
            (e) Makes any assignment or sublet of this Lease which is not accord
            with the terms and conditions of the assignment provisions of this
            Lease.

            In any of the events hereinabove set forth there shall be deemed to
be a breach of this Lease and thereupon ipso facto and without written notice,
except as set forth in paragraph 16.2, or other reasonable action by Landlord,
at the sole option of the Landlord, Landlord shall have the right and privilege
to pursue the remedies set forth in paragraphs 16.3, 16.4, 16.5, 16.6, 16.7
and/or 16.8.

     16.2   Time to Remedy Default

            Landlord shall have no right to exercise any remedy for default by
Tenant and Tenant shall not be, or be deemed to be, in default hereunder unless
and until Landlord shall send to Tenant written notice of any default specifying
the default, and

            a) If the default is in payment of money, unless Tenant fails to
            remedy the default within five (5) calendar days after said notice
            is received, or

            b) If the default is other than in payment of money, unless Tenant
            fails to begin to cure the default within twenty (20) calendar days
            following receipt of said notice and proceeds expeditiously,
            continuously and diligently to cure the default

     16.3   Landlord's Remedies

            The occurrence of any of the events listed in paragraph 16.1 above
shall be deemed a breach of this Lease and without further notice to Tenant,
except as set forth in paragraph 16.2, Landlord shall have the following
remedies available to it to the extent permitted by law.

                                                                         Page 10
<PAGE>

          (a) The rent for the entire unexpired balance of the term of this
          Lease as well as other charges, costs and expenses agreed to herein
          shall immediately become sue and payable and in arrears; and/or

          (b) Landlord, or anyone acting on Landlord's behalf at Landlord's
          option may without written notice or demand enter the Premises and
          take possession of and sell all goods and chattels therein at auction
          on three (3) days notice, served in person on Tenant or left or posted
          on the Premises and pay Landlord out of the proceeds of said auction
          sale; or

          (c) Landlord may remove from the Premises without liability therefor
          all goods and chattels found therein and may relocate same to any
          other place or location. Tenant agrees to pay all costs for relocation
          and storage. Tenant hereby releases and discharges Landlord, and its
          agents, from all claims, auctions, suits, damages and penalties, for
          or on account of any entry distraint, levy, appraisement, removal of
          said goods and chattels or sale thereof; and/or

          (d) Landlord may take possession of the Premises, make any alterations
          as are reasonably necessary for reletting and may lease the Premises
          or any part to any party as may in Landlord's reasonable discretion
          seem best and tenant shall remain liable for any loss of rent, cost of
          alterations or other costs associated with or incurred by Landlord in
          reletting the Premises.

          (e) Landlord shall have, in addition to the above, all other remedies
          available to Landlord in law or equity. Tenant shall reimburse
          Landlord for all reasonable attorney's fees incurred by Landlord in
          exercising its remedies herein.

     16.4 Termination of Lease by Tenant Default

          Upon the occurrence of any of the events listed in paragraph 16.1
above, Landlord may, at its election after the expiration of the applicable time
set forth in paragraph 16.2, terminate this Lease and Tenant's right to
possession of the Premises, whereupon Landlord shall be entitled to recover
damages for such breach, in addition to all sums actually due and in arrears in
an amount equal to the sum of all rent reserved for the balance of the term of
this Lease.

     16.5 Confession of Judgement, Rent

          If rent and/or charges hereby reserved as rent shall remain unpaid on
any day when due or any other condition of the Lease is broken by Tenant, Tenant
hereby empowers any Prothonotary, Clerk of Court or Attorney of any Court of
Record to appear for Tenant in any and all actions which may be brought for rent
and/or the charges reserved as rent, to sign for Tenant an arrangement for
entering in any competent Court an amicable action to confess judgement against
Tenant for all or any part of the rent specified in this Lease and then unpaid
including, at Landlord's option, the rent for the entire unexpired balance of
the term of this Lease, and/or other charges attorney's fees, payments, costs
and expenses, reserved as rent shall fall due or be in arrears, and such powers
may be exercised under any extension or renewal of this Lease. The right to
confess judgement cannot be exhausted by a single exercise thereof and may be
exercised upon and event of default.

     16.6 Ejectment

          When this Lease shall be determined by condition broken, either during
the original terms of this Lease or any renewal or extension thereof, and also
when and as soon as the term hereby created or any extension thereof shall have
expired, it shall be lawful for any attorney as attorney for Landlord to file an
agreement for entering in any competent Court an amicable action and judgment in
ejectment against Tenant and all persons claiming under Tenant for the recovery
by Landlord of possession of the Premises, for which this Lease shall be his
sufficient warrant, whereupon, if Landlord so desires, a writ of execution or of
possession may issue forthwith, without any prior writ of proceedings
whatsoever, and provided that if for any reason after such action shall have
been commenced the same shall be determined and the possession of the Premises
hereby demised remain in or be restored to Tenant. Landlord shall have the right
upon any subsequent default or defaults or upon the termination of this Lease as
hereinbefore set forth, to bring one or more amicable action or actions as
hereinbefore set forth to recover possession of the said Premises.

     16.7 Affidavit of Default

          In any amicable action for rent or in ejectment, the Landlord shall
first cause to be filed in such action an affidavit made by him or someone
acting for him setting forth the facts necessary to authorize the entry of
judgment, and of a true copy of this Lease (and the truth of the copy of such
affidavit shall be sufficient evidence) be filed in such action, it shall not be
necessary to file the original as a warrant of attorney, any rule of Court
custom or practice to the contrary notwithstanding.

          If the proceedings shall be commenced by Landlord to recover
possession under the Acts of Assembly, either at the end of the term or sooner
termination of this Lease, of for nonpayment of rent or for any other reason,
Tenant specifically waives the right to the fifteen (15) or thirty (3) days
notice required by the Act of April 6, 1951. P.L. 69. And agrees that five (5)
days notice shall be sufficient in either or any other case.

     16.8 Remedies Cumulative

          All of the remedies hereinbefore given to Landlord and all rights and
remedies given to Landlord by law and equity shall be cumulative and concurrent.
No termination of this Lease or the taking or recovering of the Premises shall
deprive Landlord of any of its remedies or actions against Tenant for any and
all sums due at the time of termination or recovery of possession.

                                                                         Page 11
<PAGE>

17.  Subordination

This Lease is subject to and subordinate to any and all mortgages, deeds of
trust or ground leases now or hereafter placed upon the Premises. Provided,
however, if Tenant is not in default and performs its obligations hereunder
Tenant shall not be disturbed in its possession of the Premises and this Lease
shall remain in full force and effect. Although this subordination shall be
self-executing, Tenant agrees upon demand of Landlord to execute, acknowledge
and deliver all such instruments as shall be reasonably requested by any
mortgagee or proposed mortgagee to confirm such subordination, and Tenant agrees
to execute an estoppel agreement in favor of any mortgagee of Landlord, if
requested to do so by any mortgagee or Landlord. Tenant shall be responsible for
any reasonable attorney's fees or other costs incurred by Landlord in enforcing
this provision, should Tenant refuse to comply with this provision.

18.  Assignment or Sale by Landlord

This Lease shall be freely assignable by Landlord, the right to enforce all of
the provisions of this Lease may be exercised by any assignee of Landlord's
right, title and interest in this Lease. Tenant hereby expressly waives the
requirements of any and all laws regulating the manner and/or form in which such
assignments shall be executed and witnessed.

19.  Attornment

In the event of the sale or assignment of Landlord's interest in the Building of
which the Premises are a part or in the event of the exercise of the power of
sale under any mortgage made by Landlord, Tenant shall execute upon request any
agreement of attornment to the purchaser to recognize such purchaser as Landlord
under this Lease.

20.  Estoppel Certificate

Tenant shall, within five (5) business days of the request of Landlord, issue an
estoppel certificate, in the form supplied by Landlord, to any party designated
by Landlord. Should Tenant fail to sign an estoppel certificate within five (5)
business days or unreasonably withhold its signature, Landlord may commence
legal proceedings to enforce this provision and Tenant shall be responsible for
all reasonable legal fees incurred by Landlord and for all damages incurred by
Landlord resulting from Tenant's failure to sign an estoppel certificate.

21.  Condemnation

In the event that the Premises or any part thereof is taken or condemned for a
public or quasi-public use, this Lease shall, as to the part so taken, terminate
as of the date shall vest in the condemnor, and rent shall abate in proportion
to the square feet of leased space taken or condemned or shall cease if the
entire Premises be so taken. In either event Tenant waives all claims against
Landlord for any part of the award for the complete or partial taking of the
Premises, and it is agreed that Tenant shall not be entitled to notice
whatsoever of the partial or complete termination of this Lease by reason of the
aforesaid. Nothing in this paragraph 21 shall be interpreted to limit or prevent
Tenant from making any claim against the condemning authority for removal
expenses, business dislocation damages and/or moving expenses. In the event any
portion of Tenant's Premises is condemned, Tenant shall have the right to
terminate this Lease upon the date title to the portion of the Premises vests
with the condemning authority.

22.  Notices

All notices required to be given by either party hereto to the other shall be in
writing. All such notices shall be deemed to have been properly given if served
personally or if sent by overnight delivery service or by United States
registered or certified mail, postage prepaid, and addressed as set forth herein
or to such other address which either party may hereafter designate in writing
by notice give in a like manner to the other.

IF TO LANDLORD:
      c/o       Anthony J. Macchia
                Associate Controller
                2001 Joshua Road
                Lafayette Hill, PA 19444

IF TO TENANT:

     at the Premises as set forth in paragraphs 1.2 and 2.1

23.  Quiet Enjoyment

Landlord agrees that Tenant, on paying the rent and other sums payable hereunder
and performing the covenants and conditions herein set forth, subject as
aforesaid, shall and may, peaceably and quietly have, hold and enjoy the
Premises for the term aforesaid, free and clear of anyone claiming through
Landlord.

                                                                         Page 12
<PAGE>

24.  Relocation

If the Premises contain an area of 2,000 square feet or less, Landlord, at its
sole expense, on at least sixty (60) days prior written notice to Tenant, may
require Tenant to move from the Premises to another location of comparable size
and decor in order to permit Landlord to consolidate the Premises with other
space leased or to be leased to another tenant in the Building. In the event of
any such relocation, Landlord shall pay all the expense of preparing and
decorating the new location so that it will be substantially similar to the
Premises, and will pay the reasonable expense of moving Tenant's furniture and
equipment to the new location. Should Tenant refuse to permit Landlord to move
Tenant to such new space at the end of said sixty (60) day notice period,
Landlord shall have the right to cancel and terminate this Lease effective
ninety (90) days from the date of original notification by Landlord. If Landlord
moves Tenant to such new space, this Lease and each and all of its terms,
covenants and conditions shall remain in full force and effect and be deemed
applicable to such new space, and such new space shall thereafter be deemed to
be the Premises as though Landlord and Tenant had entered into an express
written amendment of this Lease with respect thereto.

25.  Binding Effect

The submission of this Lease does not constitute a reservation of, or option
for, the Premises and this Lease shall become a binding offer and legally
enforceable contract only upon execution and delivery thereof by both Landlord
and Tenant. All rights and liabilities herein given to, or imposed upon the
respective parties hereto, shall extend to and bind the several and respective
heirs, executors, administrators, successors and assigns of said parties.

26.  Unrelated Business Taxable Income

Landlord shall have the right, from time to time, to require amendments to this
Lease if the Landlord is advised, and delivers to Tenants a written opinion by
Landlord's counsel, that all of any portion of the monies paid by Tenant to
Landlord hereunder are, or will be deemed to be, unrelated business income
within the meaning of the United States Internal Revenue Code, or regulations
issued thereunder. Tenant agrees to make good faith efforts to enter into such
amendments, provided that no such amendments shall result in Tenant having to
hereunder pay in the aggregate in any month more money on account of its
occupancy of the Premises than it would have been required to pay in the absence
of such amendment, and provided further than no such amendment shall result in
Tenant receiving under the provisions of this Lease less services than it is
entitled to receive, nor services of a lesser quality, and provided further that
any amendment shall be in form and substance satisfactory to counsel for Tenant.

27.  Termination of Lease by Expiration of Term

     27.1 It is hereby mutually agreed that either party hereto may terminate
the Lease at the expiration of the original term or any renewal of extension
thereof by delivering to the other party written notice of same no later than
one hundred eighty (180) calendar days prior to the expiration of the then
current term. In the absence of such notice the Lease shall then automatically
continue for an additional period of one (1) year under the same terms and
conditions including all automatic escalations of rent (in accordance with
paragraph 4) in force immediately prior to the expiration of the then current
term, and so on for a one (1) month to one (1) month period until terminated by
either party as herein provided. Any rental allowance or other benefit granted
Tenant by Landlord during the original Lease term shall not automatically carry
over into any renewal or extension thereof.

     27.2 If Landlord shall have given Tenant written notice prior to the
expiration of any term hereby created of Landlord's intention to change the
terms and conditions of the Lease, and Tenant shall not within thirty (30)
calendar days from such notice notify Landlord of Tenant's intention to vacate
the Premises at the expiration of the then current term, then Tenant shall be
bound under the terms and conditions as set forth in such notice for a further
term as above provided, or for such further term as may be stated in said
notice.

28.  Miscellaneous Taxes

Tenant shall pay prior to delinquency all taxes assessed against or levied upon
it by reason of its occupancy of the Premises, or upon the fixtures,
furnishings, equipment and all other personal property of Tenant located in the
Premises, if nonpayment thereof shall give rise to a lien on the real estate,
and when possible Tenant shall cause said fixtures, furnishings, equipment and
other personal property to be assessed and billed separately from the property
of Landlord. In the event any or all of Tenant fixtures, furnishings, equipment
and other personnel property, or upon Tenant, occupancy of the Premises, shall
be assessed and taxed with the property of Landlord. Tenant shall pay to
Landlord its share of such taxes within ten (10) days after delivery to Tenant
by Landlord of a statement in writing setting forth the amount of such taxes
applicable to Tenant's fixtures, furnishings, equipment or personal property.

29.  Liens

If because of any act or omission of Tenant, its employees, agents, contractors
or subcontractors, any mechanic's lien or other lien, charge or order for the
payment of money shall be filed against Landlord, or against all or any portion
of the Premises, or the Building of which the Premises are a part, Tenant shall
at its own cost and expense, cause the same to be discharged of record, within
thirty (30) days after the filing thereof, and Tenant shall indemnify and save
harmless Landlord against and from all costs, liabilities, suits, penalties,
claims and demands, including reasonable attorney's fees resulting therefrom.

                                                                         Page 13
<PAGE>

30.  Severability

Each term, or provisions, contained in this Lease, or any amendment or
supplement hereto, is a separate and distinct covenant and, if any such term, or
provision, is declared unenforceable or unconstitutional, or invalid by any
court of competent jurisdiction or by any act of Congress or by any other
governmental authority, such decision, statute, ordinance or regulation will not
affect in any manner the enforceability or validity or any other term, or
provisions, contained herein, and they will remain in full force, virtue and
effect.

31.  Captions

The titles hereof are inserted solely for convenience of reference and are not
intended to indicate all of the subject matter of the respective sections; they
shall not constitute a part of any section nor shall they be interpreted or
construed to affect the meaning, construction or effect of any section.

32.  Broker

Tenant warrants that it has had no dealings with any broker or agent in
connection with the negotiations or execution of this Lease other than the
Windsor Realty Group, LTD and Hansen Realty and Tenant agrees to indemnify
Landlord against all costs, expenses, attorney's fees, or other liability for
commissions or other compensation or charges claimed by any other broker or
agent claiming the same by, through or under Tenant.

33.  Entire Agreement

It is expressly understood and agreed by and between the parties hereto that
this Lease, and any Rider or Addendum that may be attached hereto, sets forth
the entire agreement between the parties and that there are no promises,
agreements, conditions or understanding, either oral or written between them
other than are herein set forth. It is further understood and agreed that,
except as herein otherwise provided, no subsequent alteration, amendment, change
or addition to this Lease shall be binding upon Landlord or Tenant unless
reduced to writing and signed by them.

IN WITNESS WHEREOF, the parties hereto, intending to be legally bound hereby
have caused this Lease to be executed the day and year first written.

                          SIGNED, SEALED AND DELIVERED

     THE JOSHUA GROUP                         TRINTECH, INC.
                                         A California Corporation

/s/ Anthony J. Macchia              /s/ Eugene Tighe
----------------------------        --------------------------------
       ("Landlord")                       ("Tenant")

BY Anthony J. Macchia               BY  Eugene Tighe/Controller
----------------------------        --------------------------------

WITNESS ____________________        ATTEST__________________________

                                                                         Page 14
<PAGE>

                                  EXHIBIT "A"

                            COMMENCEMENT MEMORANDUM

     THIS MEMORANDUM DATED August 12TH, 1999 BY AND BETWEEN THE JOSHUA GROUP
("LANDLORD") AND TRINTECH, INC., A California Corporation ("TENANT") covering
the Premises comprising 2,475 rentable square feet situated on the 2nd floor
in the Building known as 1720 Walton Road, Blue Bell, PA 19422.

     Pursuant to the provisions of Paragraph #2.2 of the Office Lease Agreement
dated August 12th, Landlord and Tenant, intending to be legally bound hereby,
agree as follows:

1.   The "Ready for Occupancy" date is hereby established and agreed to be the
     22nd day of August, 1999.

2.   The "Commencement Date" of said Lease is established as Sept 1 and the
     "First Lease Year" shall expire at midnight on the 31 day of August 1999.

3.   The term of said Lease shall expire at midnight on the 31 day of August
     unless renewed or extended in accordance with the provisions of the Lease.

4.   Tenant further acknowledges (i) that Tenant is in possession and in full
     occupancy of the premises to which Tenant is entitled under the Lease, and
     (ii) that Landlord has completed all of the improvements, betterments,
     and/or interior building-out or fit-out required of the Landlord, excepting
     the Punch List items set forth on Schedule "C" attached hereto and made a
                                       ------------
     part hereof.

     In witness whereof, the parties hereto, intending to be legally bound
     hereby have duly executed this Memorandum this 16 day of August, 19__.

          THE JOSHUA GROUP                      TRINTECH, INC.
                                          A California Corporation
          ("Landlord")                            ("Tenant")

BY /s/ [ILLEGIBLE]                  BY  /s/ [ILLEGIBLE]
   ---------------------------          -----------------------------

WITNESS_______________________        ATTEST_________________________

NOTE: This memorandum to be completed and executed on the date of possession.
<PAGE>

                                  EXHIBIT "B"

                              WORKLETTER AGREEMENT

Tenant shall accept the Demised Premises in "AS IS CONDITION". The Landlord
shall not be responsible for any Tenant Improvements to the Demised Premises.

      THE JOSHUA GROUP                     TRINTECH, INC.
                                     A California Corporation
        ("Landlord")                         ("Tenant")

BY /s/ [ILLEGIBLE]^^             BY  /s/ [ILLEGIBLE]^^
   --------------------------       --------------------------

WITNESS----------------------    ATTEST-----------------------
<PAGE>

                                    ADDENDUM

     ADDENDUM ATTACHED TO and made a part of the Office Lease Agreement made the
16/th/ day of  August, One Thousand Nine Hundred and Ninety Nine (1999) by
and between THE JOSHUA GROUP (Landlord), and TRINTECH, INC., A California
                                             ----------------------------
Corporation (Tenant), covering the 2nd floor offices consisting of
-----------
approximately 2,475 square feet in the building known as 1720 Walton Road, Blue
Bell, PA 19422.

     With intent to be legally bound, the parties hereto do agree that the
following terms and conditions are made a part of the aforementioned lease in
like manner as if they were directly set forth therein and shall prevail over
any inconsistent printed provisions of said lease form:

1.   RENT SCHEDULE
     -------------

     Lease Year          From/To              Monthly   Annually
     ----------          -------              -------   --------

     First          9/01/99 - 08/31/2000     $3,815.63  $45,787.50

2.   INSURANCE
     ---------

     Tenant, at its own cost and expense, will provide and keep in force during
the term of the Lease Agreement, comprehensive general liability insurance and
fire hazard insurance with a combined single limit of One Million Dollars
($1,000,000.00) covering the demised premises. All such policies shall name
Landlord as additional named insured and provide for at least thirty (30) days
written notice to Landlord before cancellation or material change. Landlord
shall be provided with a Certificate of Insurance as evidence of said coverage.

3.   JANITORIAL
     ----------

     Tenant shall be solely responsible to contract with a janitorial service to
clean the Demised Premises. Tenant shall also be solely responsible for all
costs for and relating to the janitorial service.

==============================================================================

                          SIGNED, SEALED AND DELIVERED
                              (IN THE PRESENCE OF)

          THE JOSHUA GROUP                      TRINTECH, INC.
                                           A California Corporation
          ("Landlord")                             ("Tenant")

BY /s/ [ILLEGIBLE]                  BY  /s/ [ILLEGIBLE]
   --------------------------           ---------------------------

WITNESS______________________         ATTEST_______________________

                                                                         Page 15

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