Document:

CONNECTION SERVICES AGREEMENT                                      No: SBC-SCD02
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1.    Interpretations
      1.1 Definitions
      1.2 Construction of Terms
      1.3 Business
      1.4 Statutes and Agreements
2.    TCS Services,
      2.1 Service Provider
      2.2 Surcharging
      2.3 Settlement Agent
      2.4 Covenants with respect to the SCD Service
3.    Customer Obligations
      3.1 Customer Covenants
4.    Audit
5.    Term and Termination
      5.1   Initial Term
      5.2   Termination (Non Monetary Default)
      5.3   Termination (Monetary Default)
      5.4   Termination (Insolvency)
      5.5   Effect of Termination
6.    Fees
      6.1 Fee payable by the Customer
      6.2 Billing
7.    Confidentiality
8.    Warranties
9.    Indemnity and Remedies
      9.1 By the Customer or its Agents
      9.2 By TCS
      9.3 Limitation of Liability
      9.4 Indemnification Notice
10.   Exclusivity
11.   Relationship of Parties
12.   Non-Assignability; Binding Effect
13.   Waiver
14.   Titles
15.   General
16.   Governing Law
17.   Notice

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CONNECTION SERVICES AGREEMENT                                      No: SBC-SCD02
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AN AGREEMENT made the 20 December, 2001 between

      TCS (CANADA) LIMITED, a Company incorporated under the laws of Ontario,
      with registered offices located at 700 Dorval Drive, Suite 202, Oakville,
      Ontario, Canada, L6K 3V3, (hereinafter referred to as "TCS") and

      SECURITY BANCORP INC., a Company incorporated under the laws of ALBERTA,
      with registered offices at, Building "F", Unit #3, 5508-15`. Street SE,
      Calgary, Alberta, Canada T2H 2W7 (hereinafter referred to as the
      "Customer").

      WHEREAS the Interac Shared Cash Dispensing service (the "SCD" Service)
enables a cardholder who presents an eligible card and enters a valid PIN at the
terminal of another member on-line, real-time access to such a cardholder's
eligible account in order to, among other things, obtain Canadian currency, in
accordance with the procedures and standards established by the Interac
regulations;

      AND WHEREAS the Customer [CONFIDENTIAL PORTION DELETED AND FILED
SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION], or [CONFIDENTIAL
PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
COMMISSION] a number of ABMs which comply with TCS's list of Certified ABMs
(Schedule "A");

      AND WHEREAS the Customer has requested TCS, and TCS has agreed, to provide
such services as are described herein;

      NOW THEREFORE WITNESS that in consideration of the foregoing premises and
the mutual covenants and conditions hereinafter set forth and for the
[CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
EXCHANGE COMMISSION] and [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH
THE SECURITIES AND EXCHANGE COMMISSION], the [CONFIDENTIAL PORTION DELETED AND
FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] and [CONFIDENTIAL
PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
COMMISSION] of which are hereby acknowledged by TCS and the Customer, TCS and
the Customer hereby acknowledge, conform, covenant and agree as follows:

1.    Interpretations

      1.1   Definitions

      The following terms have the following meanings:

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      "ABM" means an automated bank or banking machine that, in conjunction with
      a card, provides a cardholder access to the SCD Service.

      "Agents" means any entity under contract or agreement with the Customer to
      provide services to the Customer in the operation of a Customer's ABM.
      This would include, without limitation, cash transporter, cash supplier,
      ABM vendors, and installation and service providers.

      "Affiliate" means an entity that is affiliated with another entity.

      "Agreement" means this Agreement together with all schedules, exhibits,
      addenda, attachments and other agreements now and hereafter annexed hereto
      or incorporated herein by reference as it or they may be amended,
      supplemented, replaced, re-stated or otherwise modified from time to time.

      "Applicable Laws" means, with respect to any Person, property,
      transaction, event, or other matter, any law, rule, statute, regulation,
      order, judgement, decree, treaty or other requirement having the force of
      law (collectively the "Law") relating or applicable to such Person,
      property, transaction, event, or other matter. Applicable Law also
      includes, where appropriate any interpretation of the Law (or any part) by
      any Person having jurisdiction over it, or charged with its administration
      or interpretation.

      "Breaching Party" has the meaning attributed to it in Section 5.2.

      "Business Day" means any day on which chartered banks are open to the
      public for the conduct of business in the province designated by TCS as
      the address for its registered offices but does not include any Saturday
      or Sunday or any statutory or civic holiday observes by such institutions
      in the province of Ontario.

      "Cash Supplier" means the Agent under contract or agreement with the
      Customer for replenishment services to ABMs owned or operated by the
      Customer and connected to TCS's Switch.

      "Certified ABM" has the meaning attributed to it in Schedule "A" of
      this Agreement.

      "Charges" has the meaning ascribed to such term in Section 6.1(i).

      "Commencement date" means the date of execution of this Agreement.

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      "Confidential Material" means [CONFIDENTIAL PORTION DELETED AND FILED
      SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION].

      "Connection Service Provider" means TCS as [CONFIDENTIAL PORTION DELETED
      AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] to the
      [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
      EXCHANGE COMMISSION] and to [CONFIDENTIAL PORTION DELETED AND FILED
      SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION].

      "Customer Account" means the current bank operating account which the
      Customer opens at a branch of a chartered Canadian Financial Institution
      for the purposes of settlement by TCS of funds payable to the Customer by
      reason of the exchange of messages in the SCD Service.

      "Eligible ABM" means a terminal which is an ABM [CONFIDENTIAL PORTION
      DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION]
      or [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES
      AND EXCHANGE COMMISSION] by the Customer, or third party Persons under
      contract or agreement with the Customer and operated by or for the
      Customer or any of its Affiliates, which the Customer or any of its
      Affiliates has advised TCS [CONFIDENTIAL PORTION DELETED AND FILED
      SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] that such Terminal
      is to be connected to TCS's switch and which meets the requirements and
      standards described in Schedule "A" attached hereto.

      "Fees" have the meaning ascribed to it in Section 6.1(i).

      "Initial Term" has the meaning attributed to it in Section 5.1.

      "Installation Service Agent" is an agent under contract or agreement with
      the Customer who, amongst other things, [CONFIDENTIAL PORTION DELETED AND
      FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] and
      [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
      EXCHANGE COMMISSION] of a Customer's ABM and who provides [CONFIDENTIAL
      PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
      COMMISSION].

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      "Interac Association" or "Interac" has the meaning attributed to it in
      the first recital of this Agreement.

      "International Networks" means the Cirrus, Cirrus International,
      American Express and PLUS networks.

      "Losses" means any and all claims, actions, demands, losses, damages,
      costs, expenses, liabilities and settlements, including without limitation
      and legal fees, costs, expenses, and disbursements and court costs.

      "Parties" mean the Customer and TCS, collectively and "Party" means either
      one of them, as the context requires.

      "Person" means any individual, corporation, partnership, joint venture,
      trustee or trust, government or agency thereof, unincorporated
      association, or any entity and pronouns have a similar extended meaning.

      "Renewal Term" has the meaning attributed to it in Section 5. 1.

      "SCD" and "SCD Service" means

                  a)    the service designated "Interac Shared Cash Dispensing"
                        by the Interac Association; and

                  b)    the service designated by the Bank of Montreal as
                        Cirrus, Cirrus International and PLUS.

      "Settlement Agent" means:

a)    TCS using the Credit Union Central of Canada, or other such agency under
      contract to TCS for this purpose, who are contracted to CueData West Ltd.
      [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
      EXCHANGE COMMISSION] and [CONFIDENTIAL PORTION DELETED AND FILED
      SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] as defined by
      Interac processed through CueData West's Direct Connect Interac node; and

b)    TCS using the Bank of Montreal or other such agency under contract to TCS
      for this purpose, who are contracted to TCS [CONFIDENTIAL PORTION DELETED
      AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] and
      [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
      EXCHANGE COMMISSION] as defined by the International Networks as detailed
      in Schedule "B" attached to this Agreement.

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      "Switch" means the [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH
      THE SECURITIES AND EXCHANGE COMMISSION] and [CONFIDENTIAL PORTION DELETED
      AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] by TCS
      for the purposes of [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY
      WITH THE SECURITIES AND EXCHANGE COMMISSION] of ABMs [CONFIDENTIAL PORTION
      DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION]
      and [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES
      AND EXCHANGE COMMISSION] as may from time to time be added to the Switch
      by TCS.

      "Taxes" mean any and all present and future taxes of any kind or nature
      whatsoever including, without limitation, levies, imports, transfer taxes,
      stamp taxes, documentary taxes, royalties, duties, value-added taxes
      (including without limitation all taxes, interest, penalties and fines
      imposed under Part IX of the Excise Tax Act (Canada) and the regulations
      made thereunder), sales tax, business transfer taxes, excise taxes,
      property taxes, government fees and other federal, provincial, regional,
      municipal or local taxes and all fees deductions, withholdings and
      restrictions or conditions resulting in a charge imposed, levied,
      collected, withheld, or assessed by any authority of or within any
      jurisdiction whatsoever having the power to tax, together with penalties,
      fines, additions to tax and interest thereon.

      "Term" means the Initial Term together with each Renewal Term, if any.

      1.2   Construction of Terms

      In this Agreement, whenever the singular or the plural form is used, the
      same shall include the plural or the singular as and when rewired by the
      context in which such form is used. Words denoting one gender include all
      genders unless contrary intention is to be inferred from or required by
      the subject matter or context. References in this Agreement to "hereof",
      "herein", "hereto" and "hereunder" shall be deemed to refer to this
      Agreement and shall not be limited to the particular article or section in
      which such word or words appear, unless a contrary intention is to be
      inferred from or required by the context. All references herein to
      Articles or Sections are to the Article or Sections of this Agreement.
      Unless otherwise stated herein or the context otherwise requires, all
      dollar amount referred to herein refer to the law currency of Canada.

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      1.3   Business Days

      In the event that any act is required hereunder to be done, any notice is
      required hereunder to be given, or any period of time is to expire
      hereunder on any day that is not a Business Day. Such act shall be
      required to be done or notice shall be required to be given or time shall
      expire on the next succeeding Business Day.

      1.4   Statutes and Agreements

      Unless otherwise indicated herein, all references in this Agreement to any
      statute mean such statute as amended, re-enacted or replaced from time to
      time, and include all regulations promulgated thereunder and all
      references herein to any agreement mean such agreement as amended,
      modified, varied, restated, or replaced from time to time with the written
      agreement of the parties hereto.

2.    TCS Services

      2.1   Service Provider

(a)   The Customer hereby appoints TCS and authorizes TCS to act as the
      [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
      EXCHANGE COMMISSION] to the Customer for the SCD Service and TCS hereby
      acknowledges, confirms and agrees to such appointment and authorization by
      the Customer.

(b)   TCS agrees to [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH
      THE SECURITIES AND EXCHANGE COMMISSION] the Customer's Certified ABMs
      to the SCD Service and to [CONFIDENTIAL PORTION DELETED AND FILED
      SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] for the
      Customer in the SCD Service and [CONFIDENTIAL PORTION DELETED AND FILED
      SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] or
      [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES
      AND EXCHANGE COMMISSION] for TCS to act and/or function as the
      [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES
      AND EXCHANGE COMMISSION] to the Customer to [CONFIDENTIAL PORTION
      DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
      COMMISSION] of SCD transactions conducted by cardholders at Eligible
      ABMs, all in accordance with and pursuant and subject to:

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            (i)   The terms and conditions of this Agreement; and

            (ii)  The Interac Association regulations; and

            (iii) The International Network regulations and

            (iv)  Any of TCS's internal policies which relate to the security or
                  to the quality of service provided by TCS.

      2.2   Surcharging

      TCS will [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
      SECURITIES AND EXCHANGE COMMISSION], upon the Customer's request, a
      [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
      EXCHANGE COMMISSION] that will be [CONFIDENTIAL PORTION DELETED AND FILED
      SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] to [CONFIDENTIAL
      PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
      COMMISSION].

      At this time, [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
      SECURITIES AND EXCHANGE COMMISSION] are [CONFIDENTIAL PORTION DELETED AND
      FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] on
      [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
      EXCHANGE COMMISSION].

      The [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES
      AND EXCHANGE COMMISSION] is [CONFIDENTIAL PORTION DELETED AND FILED
      SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] ABM during the
      installation of the ABM into the TCS Switch.

      2.3   Settlement Agent

(a)   The Customer hereby [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY
      WITH THE SECURITIES AND EXCHANGE COMMISSION] TCS and [CONFIDENTIAL
      PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
      COMMISSION] TCS to [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY
      WITH THE SECURITIES AND EXCHANGE COMMISSION] for the Customer in the
      SCD Service, and TCS hereby

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      [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
      EXCHANGE COMMISSION] and [CONFIDENTIAL PORTION DELETED AND FILED
      SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] to such
      [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
      EXCHANGE COMMISSION] and [CONFIDENTIAL PORTION DELETED AND FILED
      SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] by the Customer.

(b)   TCS agrees to perform [CONFIDENTIAL PORTION DELETED AND FILED
      SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] or
      [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES
      AND EXCHANGE COMMISSION] for TCS to [CONFIDENTIAL PORTION DELETED AND
      FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION], and
      [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES
      AND EXCHANGE COMMISSION] the Customer as, the [CONFIDENTIAL PORTION
      DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
      COMMISSION] for the Customer in the SCD Service, all in accordance with
      and pursuant and subject to:

                  (i)   The terms and conditions of this Agreement; and

                  (ii)  The Interac Association Regulations; and

                  (iii) The International Network regulations; and

                  (iv)  Any of TCS's internal policies which relate to the
                        security or to the quality of service provided by TCS.

(c)   TCS shall [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
      SECURITIES AND EXCHANGE COMMISSION], for and on behalf of the Customer,
      [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES
      AND EXCHANGE COMMISSION] to the Customer for transactions emanating
      from ABMs operated by TCS on behalf of the Customer, and/or its
      Affiliates, and/or the Cash Supplier. TCS shall [CONFIDENTIAL PORTION
      DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
      COMMISSION] the same, [CONFIDENTIAL PORTION DELETED AND FILED
      SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION], to the
      Customer Account by [CONFIDENTIAL PORTION DELETED AND FILED

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      SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] following such
      time as [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
      SECURITIES AND EXCHANGE COMMISSION] and/or [CONFIDENTIAL PORTION DELETED
      AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] are
      transferred to TCS by the Settlement Agent using the means agreed to from
      time to time by Settlement Agent and TCS [CONFIDENTIAL PORTION DELETED AND
      FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION].

(d)   The Customer acknowledges, confirms and agrees that Schedule "B" annexed
      hereto sets forth the [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY
      WITH THE SECURITIES AND EXCHANGE COMMISSION] to TCS by the Customer for
      transactions captures by TCS at ABMs operated by TCS on behalf of the
      Customer.

      2.4   Covenants with respect to the SCD Service

      TCS covenants and agrees that:

      (i)   it shall maintain the [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] of all of
            the Customer's ABMs in accordance with the standards set out in
            Schedule "E" attached hereto;

      (ii) it shall comply in all respects with all of:

      (A)   the agreements, terms and conditions set forth in this Agreement;
            and

      (B)   the Interac Association regulations; and the International Network
            regulations; and

      (C)   any of TCS's internal policies which relate to the security or to
            the quality of service provided by TCS.

      (iii) for the [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION] by the Customer and detailed in
            Schedule "G" attached hereto, it shall [CONFIDENTIAL PORTION DELETED
            AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION]
            from the Customer's ABMs and will [CONFIDENTIAL PORTION DELETED AND
            FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] in
            accordance with Schedule "C" attached hereto;

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      (iv)  for the [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION] by the Customer and detailed in
            Schedule "D" attached hereto, it shall [CONFIDENTIAL PORTION DELETED
            AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] to
            the Customer's ABMs enrolled in the [CONFIDENTIAL PORTION DELETED
            AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION];

      (v)   at TCS's [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION], it shall [CONFIDENTIAL PORTION
            DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
            COMMISSION] with an Installation Service agent, under contract or
            agreement with the Customer, [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] of the
            Customer's ABMs into TCS's Switch;

      (vi)  it shall [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH
            THE SECURITIES AND EXCHANGE COMMISSION] and/or [CONFIDENTIAL
            PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
            EXCHANGE COMMISSION] by TCS for and on behalf of the Customer and
            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION] to the Customer for
            transactions emanating from ABMs operated by TCS on behalf of the
            Customer;

      (vii) as mutually agreed between the Parties, it shall put in place
            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION], which shall [CONFIDENTIAL
            PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
            EXCHANGE COMMISSION] to TCS's records with respect to the Customer
            Account shall be made [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] from the
            Customer and further that TCS agrees that it shall [CONFIDENTIAL
            PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
            EXCHANGE COMMISSION] to the Customer to any other [CONFIDENTIAL
            PORTION DELETED AND FILED

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            SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] or
            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION] from the Customer;

     (viii) it shall provide [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY
            WITH THE SECURITIES AND EXCHANGE COMMISSION] defined and mutually
            agreed to from time to time by TCS and the Customer, [CONFIDENTIAL
            PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
            EXCHANGE COMMISSION] as are defined in Schedule "H" attached hereto;

      (ix)  it shall [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION] the Customer [CONFIDENTIAL
            PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
            EXCHANGE COMMISSION] received by TCS, as laid out in Schedule "B"
            attached hereto.

      (x)   for a [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION] detailed in Schedule "J"
            attached hereto, it shall provide access to a facility which will
            allow the Customer to [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] pertaining
            to their Eligible ABMs in accordance with Schedule "J" attached
            hereto.

3.    Customer Obligations

      3.1   Customer Covenants

      The Customer covenants and agrees:

      (i)   to comply in all respects with all

                  (a)   the agreements, terms and conditions set forth in
                        this Agreement; and

                  (b)   the Interac Association regulations; and

                  (c)   The International Network regulations; and

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                  (d)   any of TCS's internal policies which relate to the
                        security or to the quality of service provided by TCS.

      (ii)  to provide [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH
            THE SECURITIES AND EXCHANGE COMMISSION] at a chartered Canadian Bank
            for [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION] (the "Customer Account");

      (iii) to [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION] and / or [CONFIDENTIAL PORTION
            DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
            COMMISSION] to TCS [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] and
            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION] associated with the Customer's
            ABMs as may be required by TCS in order to function as the
            Connection Service Provider to, and the Settlement Agent for, the
            Customer in the SCD Service;

      (iv)  the Customer shall [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] of this
            agreement [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH
            THE SECURITIES AND EXCHANGE COMMISSION] and [CONFIDENTIAL PORTION
            DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
            COMMISSION] by the Customer under the laws of Canada;

      (iv)  the Customer shall [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] of its
            Eligible ABMs operated by TCS on the Customer's behalf and that
            TCS shall [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH
            THE SECURITIES AND EXCHANGE COMMISSION], at [CONFIDENTIAL PORTION
            DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
            COMMISSION] or in [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES AND EXCHANGE

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            COMMISSION] or in [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY
            WITH THE SECURITIES AND EXCHANGE COMMISSION], or [CONFIDENTIAL
            PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
            EXCHANGE COMMISSION] a Customer's ABM excepting the electronic
            distribution of ABM operating parameters as detailed in Schedule "D"
            of this Agreement;

      (v)   at TCS's request, the Customer agrees to [CONFIDENTIAL PORTION
            DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
            COMMISSION] (as defined by the Interac Association) and further
            that the Customer agrees to be [CONFIDENTIAL PORTION DELETED AND
            FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] by
            the Bank of Montreal, or other such agency under contract to TCS
            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION];

      (vi)  that TCS shall [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY
            WITH THE SECURITIES AND EXCHANGE COMMISSION], or [CONFIDENTIAL
            PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
            EXCHANGE COMMISSION] Customer's ABM;

      (vii) the Customer shall [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] TCS for
            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION] incurred by TCS's personnel
            during [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION] required in the execution of
            this contract.

These [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
EXCHANGE COMMISSION] shall be [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY
WITH THE SECURITIES AND EXCHANGE COMMISSION] by the Customer and shall include,
but not be limited to, the following:

                  [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
                  SECURITIES AND EXCHANGE COMMISSION] incurred in the
                  execution of this Agreement

                                       14
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CONNECTION SERVICES AGREEMENT                                      No: SBC-SCD02
================================================================================

                  -     [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY
      WITH THE SECURITIES AND EXCHANGE COMMISSION] which might occur.

                  All [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH
                  THE SECURITIES AND EXCHANGE COMMISSION] shall be [CONFIDENTIAL
                  PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
                  EXCHANGE COMMISSION] to TCS forthwith when [CONFIDENTIAL
                  PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
                  EXCHANGE COMMISSION];

      (xi)  the Customer acknowledges that TCS has [CONFIDENTIAL PORTION DELETED
            AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] to
            TCS's Switch [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH
            THE SECURITIES AND EXCHANGE COMMISSION];

      (xii) the Customer will be [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] and
            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION] of [CONFIDENTIAL PORTION DELETED
            AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION]
            required to [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH
            THE SECURITIES AND EXCHANGE COMMISSION] the Customer's ABM at the
            remote site. Further that all [CONFIDENTIAL PORTION DELETED AND
            FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] of the
            Customer and that TCS [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION], or
            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION]. Such [CONFIDENTIAL PORTION
            DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
            COMMISSION], as mutually agreed to by both Parties, shall be
            installed in accordance with TCS's requirements for said
            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION];

                                       15
<PAGE>

CONNECTION SERVICES AGREEMENT                                      No: SBC-SCD02
================================================================================

     (xiii) the Customer will [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] for
            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION] and [CONFIDENTIAL PORTION
            DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
            COMMISSION] of [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY
            WITH THE SECURITIES AND EXCHANGE COMMISSION] an ABM at a remote
            site;

      (xiv) the Customer will [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY
            WITH THE SECURITIES AND EXCHANGE COMMISSION] for [CONFIDENTIAL
            PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
            EXCHANGE COMMISSION] and [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] of
            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION] the ABM with cash or other media
            and that TCS [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH
            THE SECURITIES AND EXCHANGE COMMISSION]; and

      (xv)  the Customer agrees that it will provide [CONFIDENTIAL PORTION
            DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
            COMMISSION] and [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] as are
            required to carry out software maintenance at the ABM site and
            that this resource will be made available on an [CONFIDENTIAL
            PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
            EXCHANGE COMMISSION] subject to a [CONFIDENTIAL PORTION DELETED
            AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION]
            by TCS of the required maintenance and the desired completion
            date.

      (xvi) the Customer agrees to [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] in a timely
            fashion to enable TCS to [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] by a
            cardholder and subsequently found to be processed in error.

                                       16
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CONNECTION SERVICES AGREEMENT                                      No: SBC-SCD02
================================================================================

4.    Audit

      TCS shall have the right, at [CONFIDENTIAL PORTION DELETED AND FILED
      SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] made by TCS to the
      Customer, to [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
      SECURITIES AND EXCHANGE COMMISSION], during normal business hours, those
      [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
      EXCHANGE COMMISSION] and [CONFIDENTIAL PORTION DELETED AND FILED
      SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] of the Customer
      which are involved in any part of TCS's Switch. Qualified third party
      consultants, as determined by TCS at its sole discretion, will be employed
      by TCS for the purpose of any such [CONFIDENTIAL PORTION DELETED AND FILED
      SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION]. The Customer
      shall have the right, as a condition of such [CONFIDENTIAL PORTION DELETED
      AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION], to
      require any such consultants to execute such form of [CONFIDENTIAL PORTION
      DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION]
      as the Customer may reasonably require. The cost of any such [CONFIDENTIAL
      PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
      COMMISSION] shall be the [CONFIDENTIAL PORTION DELETED AND FILED
      SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] of TCS and any
      such consultant so employed will be required to [CONFIDENTIAL PORTION
      DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION],
      which are accessible only to TCS and the Customer.

      The Customer shall be entitled to receive a [CONFIDENTIAL PORTION DELETED
      AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION], which
      is generated by the consultants engaged for the purpose of conducting
      [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
      EXCHANGE COMMISSION].

5.    Term and Termination

      5.1   Initial Term

      This Agreement shall be effective and shall continue in foil force and
      effect for an initial term (the "Initial Term") of [CONFIDENTIAL PORTION

                                       17
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CONNECTION SERVICES AGREEMENT                                      No: SBC-SCD02
================================================================================

      DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION]
      as of and from the Commencement Date, unless and until terminated pursuant
      to the terms of this Agreement, and shall continue and remain in full
      force and effect under the same terms and conditions after the Initial
      Term for [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
      SECURITIES AND EXCHANGE COMMISSION] (each such period being a "Renewal
      Term") unless and until terminated pursuant to the terms of this Agreement
      or unless either party gives notice to the other party at least
      [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
      EXCHANGE COMMISSION] prior to the expiration of the Initial Term or a
      subsequent Renewal Term that they wish to terminate this agreement. If
      such notice is given the effect shall be as described in Section 5.5 of
      this Agreement.

      5.2   Termination (Non Monetary Default)

      Except as otherwise set forth in and subject to Section 5.3, if either
      Party believes, as determined in its sole discretion, that there has been
      a material breach of this Agreement by the other Party (the "Breaching
      Party"), such Party ("the Claiming Party") must notify the Breaching Party
      in writing specifying in reasonable detail the nature of the breach within
      [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
      EXCHANGE COMMISSION] of learning of said breach.

      In the case of a partial loss of service, the Breaching Party shall have
      [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
      EXCHANGE COMMISSION] (or longer if the Parties agree) in which to remedy
      the breach. If such a breach has not been remedied to the satisfaction of
      the Claiming Party by the end of the [CONFIDENTIAL PORTION DELETED AND
      FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] (or such
      longer remedy period if the Parties agree), the Claiming Party shall have
      the right to issue formal written notice of termination to the Breaching
      Party, such termination to take place no sooner than, the [CONFIDENTIAL
      PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
      COMMISSION] Business Day following the expiration of such [CONFIDENTIAL
      PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
      COMMISSION] or longer period.

      In the case of a complete loss of service, whereby none of the Customer's
      ABMs are able to connect to TCS's Switch, TCS shall have [CONFIDENTIAL
      PORTION DELETED AND FILED SEPARATELY WITH THE

                                       18
<PAGE>

CONNECTION SERVICES AGREEMENT                                      No: SBC-SCD02
================================================================================

      SECURITIES AND EXCHANGE COMMISSION] (or longer if the Parties agree) in
      which to restore the TCS Switch to a fully operating service and restore
      access to the Customer's ABMs. If the TCS Switch is not restored to full
      service by the end of the [CONFIDENTIAL PORTION DELETED AND FILED
      SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] (or such longer
      period if the Parties agree), the Customer shall have the right to issue
      formal written notice of termination to TCS, such termination to take
      place immediately on issuing the written notice.

      5.3   Termination (Monetary Default)

      If either Party should default in the payment of any sum or amount due
      hereunder and such default is not remedied within [CONFIDENTIAL PORTION
      DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION]
      thereof is given by the non-defaulting Party to the defaulting Party, such
      non-defaulting Party may, at its option and without further notice,
      immediately terminate this Agreement without prejudice to any other
      remedies which it may have by reason of such default.

      5.4   Termination (Insolvency)

      If either party shall:

      (i)   admit in writing its inability to pay its debts generally as they
            become due or generally fail or cease to pay its debts generally as
            they mature or become due; or

      (ii)  cease or threaten to cease to carry on its business or commit or
            threaten to commit any act of bankruptcy; or

      (iii) make or agree to make an assignment, disposition or conveyance,
            whether by sale or otherwise, of all of its assets (or a substantial
            portion thereof) in bulk; or

      (iv)  have or suffer a judgement order, decree, execution, writ,
            warrant, sequestration, extent or any similar process, made,
            issued, entered and/or enforceable against, or a distress,
            execution or analogous process levied or enforceable upon all or
            any substantial part of its property or assets which is not
            removed stayed, set aside, denied, vacated, or released within
            thirty (30) days after the issuance, entry, levy thereof or after
            any stay is removed, vacated, denied, or set aside; or

                                       19
<PAGE>

CONNECTION SERVICES AGREEMENT                                      No: SBC-SCD02
================================================================================

      (v)   consent to or suffer the appointment of a trustee, trustee in
            bankruptcy, liquidator, receiver and manager, custodian, curator,
            sequester or other official with similar powers in respect to all or
            any substantial part of its property or assets, which appointment is
            not stayed, removed, set aside, denied, vacated, or released within
            thirty (30) days after the date thereof or after any stay is
            removed, vacated, denied or set aside; or

      (vi)  have any proceeding instituted or commenced against it to
            adjudicate it as bankrupt or insolvent, or to petition it into
            bankruptcy, or to seek liquidation, winding up, reorganization or
            arrangement, relief from or composition of its debts, under any
            applicable legislation now or in the future, including without
            limitation under the Companies' Creditors Arrangement Act
            (Canada) , Bankruptcy and Insolvency Act (Canada) or the
            lending-Up Act (Canada) or any other bankruptcy, insolvency, or
            analogous laws; or

      (vii) take any action in respect to its dissolution, winding-up or
            liquidation, or institute any proceedings to be adjudicated a
            bankrupt or insolvent, or consent to, approve or authorize the
            institution of bankruptcy or insolvency proceedings against it, or
            file any petition or proposal to take advantage of any act of
            insolvency, or take any action, make any proposal or file or present
            any petition (or consent to the filing or presentment of any such
            petition), answer or consent seeking liquidation, winding-up,
            reorganization, arrangement or relief from or composition of its
            debts under any applicable legislation now or in the future,
            including without limitation under the Companies' Creditors
            Arrangement Act (Canada), Bankruptcy and Insolvency Act (Canada) or
            the Winding-Up Act (Canada) or any other bankruptcy, insolvency, or
            analogous laws, or make any assignment in bankruptcy or make any
            other assignment for the benefit of creditors, or take any corporate
            action in furtherance of any of the aforesaid purposes;

      then the other Party shall have the right, subject to the Applicable Laws,
      to terminate this Agreement immediately and / or take any other reasonable
      actions it considers necessary or desirable, including without limitation,
      establishing reserves, withholding payments or funds due or available to
      or on behalf of such other Party.

      5.5   Effect of Termination

      (a)   During any period after which notice of termination has been given
            by either Party and prior to the termination of this Agreement,
            except as otherwise provided herein, each of TCS and the Customer
            shall

                                       20
<PAGE>

CONNECTION SERVICES AGREEMENT                                      No: SBC-SCD02
================================================================================

            continue to fulfill its respective obligations hereunder, unless
            otherwise prohibited by law.

      (b)   In the event of the expiration or termination of the Agreement, the
            Customer shall perform any such acts and execute and deliver any
            such documents reasonably required to give effect to the expiration
            or the termination of this Agreement in accordance with any written
            request of TCS.

      (c)   In the event of the expiration or termination of the Agreement, TCS
            shall perform any such acts and execute and deliver any such
            documents reasonably required to give effect to the expiration or
            the termination of this Agreement in accordance with any written
            request of the Customer.

      (d)   In the event of the expiration or termination of the Agreement all
            ABMs operated by TCS on behalf of the Customer and/or its affiliates
            shall, at TCS's discretion, be suspended from the Switch.

      (e)   Notwithstanding the expiration or termination of this Agreement for
            any reason:

                  (i)   all monetary and non-monetary obligations of the Parties
                        under this Agreement owing and / or to be performed or
                        discharged to the date of expiration or termination
                        shall survive such expiration or termination;

                  (ii)  the provisions of Section 3.1(xvi), Section 7 and
                        Section 9 shall survive any expiration or termination of
                        this Agreement with respect to events occurring at or
                        prior to such expiration or termination or matters,
                        which survive expiration, or termination.

6.    Fees

      6.1   Fee payable by the Customer

      (i)   In consideration of TCS providing the Customer with SCD Services,
            the Customer agrees to [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] TCS the
            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION] and [CONFIDENTIAL PORTION
            DELETED AND FILED SEPARATELY WITH THE

                                       21
<PAGE>

CONNECTION SERVICES AGREEMENT                                      No: SBC-SCD02
================================================================================

            SECURITIES AND EXCHANGE COMMISSION], set forth in Schedule "B"
            attached hereto (collectively, the [CONFIDENTIAL PORTION DELETED AND
            FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] with
            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION] thereon (the [CONFIDENTIAL
            PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
            EXCHANGE COMMISSION] and [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] thereon
            being hereinafter collectively referred to as the [CONFIDENTIAL
            PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
            EXCHANGE COMMISSION]); and

      (ii)  For [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION] ABM [CONFIDENTIAL PORTION
            DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
            COMMISSION] to a new location, or [CONFIDENTIAL PORTION DELETED
            AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION]
            by the Customer and attached to TCS's Switch network as defined
            in this agreement, [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] as set
            forth in Schedule "F" attached hereto; and

      (iii) For each ABM [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH
            THE SECURITIES AND EXCHANGE COMMISSION] by the Customer and attached
            to TCS's Switch network as defined in this Agreement, a
            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION] as set forth in Schedule "G"
            attached hereto; and

      (iv)  For each [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH
            THE SECURITIES AND EXCHANGE COMMISSION] to an ABM [CONFIDENTIAL
            PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
            EXCHANGE COMMISSION] by the Customer and [CONFIDENTIAL PORTION
            DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
            COMMISSION] to TCS's Switch network as defined in this

                                       22
<PAGE>

CONNECTION SERVICES AGREEMENT                                      No: SBC-SCD02
================================================================================

            Agreement, a [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH
            THE SECURITIES AND EXCHANGE COMMISSION] as set forth in Schedule "D"
            attached hereto.

      (v)   The [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION] by Interac [CONFIDENTIAL PORTION
            DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
            COMMISSION] by TCS on behalf of the Customer.

      (vi)  A [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION], set forth in Schedule I,
            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION] the Customer as a [CONFIDENTIAL
            PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
            EXCHANGE COMMISSION] in TCS's switch network.

      6.2   Billing

      (a)   The [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION] shall be [CONFIDENTIAL
            PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
            EXCHANGE COMMISSION] and [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION], and TCS
            to [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION] will [CONFIDENTIAL PORTION
            DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
            COMMISSION] the [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] of the
            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION] or any part thereof from, or
            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION] and [CONFIDENTIAL PORTION
            DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
            COMMISSION] of the [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] or
            [CONFIDENTIAL PORTION

                                       23
<PAGE>

CONNECTION SERVICES AGREEMENT                                      No: SBC-SCD02
================================================================================

            DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
            COMMISSION] thereof against, any [CONFIDENTIAL PORTION DELETED AND
            FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] or
            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION] by TCS to the Customer under any
            agreement, document or instrument entered into between the Customer
            and TCS or executed and delivered by TCS to or in favour of the
            Customer.

      (b)   The determination of the [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] by TCS in
            accordance with Schedule "B" annexed hereto shall, in the absence
            of manifest error, constitute evidence of the [CONFIDENTIAL
            PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
            EXCHANGE COMMISSION] and such determination by TCS [CONFIDENTIAL
            PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
            EXCHANGE COMMISSION] the Customer.

      (c)   The [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION] to TCS as a result of TCS
            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION] the [CONFIDENTIAL PORTION
            DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
            COMMISSION] as detailed in 6.1 (ii), 6.1(iii), 6.1(iv) shall be
            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION] and [CONFIDENTIAL PORTION
            DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
            COMMISSION], and TCS to [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] of the
            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION] or [CONFIDENTIAL PORTION
            DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
            COMMISSION] thereof from, or [CONFIDENTIAL PORTION DELETED AND
            FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] and
            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION] of the

                                       24
<PAGE>

CONNECTION SERVICES AGREEMENT                                      No: SBC-SCD02
================================================================================

            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION] or [CONFIDENTIAL PORTION DELETED
            AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION]
            thereof against, [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY
            WITH THE SECURITIES AND EXCHANGE COMMISSION] or [CONFIDENTIAL
            PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
            EXCHANGE COMMISSION] by TCS to the Customer under any agreement,
            document or instrument entered into between the Customer and TCS or
            executed and delivered by TCS to or in favour of the Customer; and

      (d)   The [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION] by Interac to TCS as a result
            of TCS [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH
            THE SECURITIES AND EXCHANGE COMMISSION] SCD transactions from the
            Customer's Eligible ABMs shall be [CONFIDENTIAL PORTION DELETED
            AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION]
            and [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION], and TCS to [CONFIDENTIAL
            PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
            EXCHANGE COMMISSION] the [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] of the
            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION] or [CONFIDENTIAL PORTION
            DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
            COMMISSION] thereof from, or [CONFIDENTIAL PORTION DELETED AND
            FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] and
            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION] the [CONFIDENTIAL PORTION
            DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
            COMMISSION] of the [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] or
            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION] thereof against, any

                                       25
<PAGE>

CONNECTION SERVICES AGREEMENT                                      No: SBC-SCD02
================================================================================

            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION] or [CONFIDENTIAL PORTION DELETED
            AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] by
            TCS to the Customer under any agreement, document or instrument
            entered into between the Customer and TCS or executed and delivered
            by TCS to or in favour of the Customer; and

      (e)   If the Customer fails to [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] or
            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION] of any [CONFIDENTIAL PORTION
            DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
            COMMISSION] by it hereunder on the due date therefor, the
            Customer shall [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY
            WITH THE SECURITIES AND EXCHANGE COMMISSION] on such
            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION] in the [CONFIDENTIAL PORTION
            DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
            COMMISSION] as such [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] is
            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION] and [CONFIDENTIAL PORTION
            DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
            COMMISSION], [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY
            WITH THE SECURITIES AND EXCHANGE COMMISSION] and [CONFIDENTIAL
            PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
            EXCHANGE COMMISSION] until actual [CONFIDENTIAL PORTION DELETED
            AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION]
            in [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION] at a [CONFIDENTIAL PORTION
            DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
            COMMISSION] to [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY
            WITH THE SECURITIES AND EXCHANGE COMMISSION] on a [CONFIDENTIAL
            PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
            EXCHANGE

                                       26
<PAGE>

CONNECTION SERVICES AGREEMENT                                      No: SBC-SCD02
================================================================================

            COMMISSION] and [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY
            WITH THE SECURITIES AND EXCHANGE COMMISSION] and [CONFIDENTIAL
            PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
            EXCHANGE COMMISSION], with [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] on
            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION] at the same said [CONFIDENTIAL
            PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
            EXCHANGE COMMISSION].

(f) If, for reasons entirely within its control, TCS fails to [CONFIDENTIAL
PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
COMMISSION] of the [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
SECURITIES AND EXCHANGE COMMISSION] or [CONFIDENTIAL PORTION DELETED AND FILED
SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] of [CONFIDENTIAL PORTION
DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] by it
hereunder on the [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
SECURITIES AND EXCHANGE COMMISSION] therefor, TCS shall [CONFIDENTIAL PORTION
DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] on
such [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
EXCHANGE COMMISSION] in the [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY
WITH THE SECURITIES AND EXCHANGE COMMISSION] as such [CONFIDENTIAL PORTION
DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] is
payable [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES
AND EXCHANGE COMMISSION] and [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY
WITH THE SECURITIES AND EXCHANGE COMMISSION] and [CONFIDENTIAL PORTION DELETED
AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] until
[CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
EXCHANGE COMMISSION] in [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH
THE SECURITIES AND EXCHANGE COMMISSION] at a [CONFIDENTIAL PORTION DELETED AND
FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] on a [CONFIDENTIAL
PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
COMMISSION] and [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
SECURITIES AND EXCHANGE COMMISSION], with [CONFIDENTIAL PORTION DELETED

                                       27
<PAGE>

CONNECTION SERVICES AGREEMENT                                      No: SBC-SCD02
================================================================================

AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] at the same
said [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
EXCHANGE COMMISSION].

7.    Confidentiality

      (i)   Except as otherwise provided in this Agreement, TCS and the
            Customer shall treat the Confidential Material of the other as
            confidential; exercise at least the same degree of care and
            discretion with respect to the Confidential Material of the other
            as it exercises in protecting its own Confidential Material; not
            disclose or otherwise make available any of the Confidential
            Material of the other to third parties; not copy any of the
            Confidential Material of the other without the prior written
            consent of the other; and instruct its personnel who may gain
            access to the Confidential Material of the other to observe these
            restrictions.

      (ii)  TCS agrees that it shall not, at any time disclose the nature of its
            business relationship with the Customer to third parties or use the
            Customer's name in any advertising copy or any promotional materials
            or messages, without the Customer's prior written consent.

      (iii) This Section 7 does not apply to any information that is in the
            public domain through no breach of confidence by TCS or the Customer
            and to information that is available to one party from some source
            other than the party without a breach of confidentiality with the
            other party or is independently developed by the other Patty.

8.    Warranties

TCS hereby represents and warrants to the Customer as follows:

      (a)   TCS has the [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH
            THE SECURITIES AND EXCHANGE COMMISSION] and the [CONFIDENTIAL
            PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
            EXCHANGE COMMISSION] and [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] and
            otherwise, to perform its obligations under this Agreement in
            accordance with the provisions of this Agreement;

      (b)   TCS is a Member in good standing of the Interac Association;

                                       28
<PAGE>

CONNECTION SERVICES AGREEMENT                                      No: SBC-SCD02
================================================================================

      (c)   At TCS's [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION], it has [CONFIDENTIAL PORTION
            DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
            COMMISSION] as its [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] in the
            Interac SCD Service; and

      (d)   At TCS's [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH
            THE SECURITIES AND EXCHANGE COMMISSION], it has [CONFIDENTIAL
            PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
            EXCHANGE COMMISSION] and [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] as its
            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION] in the International
            Networks; and

      (e)   TCS is in compliance in all material respects with the Interac
            Association Regulations.

9.    Indemnity and Remedies

      9.1   By the Customer or its Agents

      Subject to Section 9.3, the Customer or its Agents shall indemnify and
      hold TCS, its officers, directors, employees, agents, and other
      representatives harmless, from and against any Losses incurred or suffered
      by such Persons which are, directly or indirectly, or in any way or in any
      manner whatsoever, the result of, caused by or arise by reason of

      (i)   any intentional, wrongful or negligent act or omission of the
            Customer or of officers, directors, employees, Agents, legal counsel
            and other representatives in the performance of any of the duties
            and obligations of the Customer under this Agreement or otherwise;

      (ii)  any misrepresentation by, or breach of any warranty of, the Customer
            or its Agents contained in this Agreement;

      (iii) any default by the Customer or its Agents under, or any breach or
            contravention by the Customer of, any agreement, covenant, term or
            provision of this Agreement; and

                                       29
<PAGE>

CONNECTION SERVICES AGREEMENT                                      No: SBC-SCD02
================================================================================

      (iv)  the enforcement of this Agreement or any provision hereof as a
            result of any of the matters set forth in Sections 9.1(i). 9.1(ii)
            or 9.1 (iii).

      9.2   By TCS

      Subject to Section 9.3, TCS shall indemnify and hold the Customer, its
      officers, directors, employees, agents, and other representatives
      harmless, from and against any Losses incurred or suffered by such Persons
      which are, directly or indirectly, or in any way or in any manner
      whatsoever, the result of, caused by or arise by reason of

      (i)   any intentional, wrongful or negligent act or omission of TCS or of
            its officers, directors, employees, agents, legal counsel and other
            representatives in the performance of any of the duties and
            obligations of TCS under this Agreement or otherwise;

      (ii)  any misrepresentation by, or breach of any warranty of TCS or its
            agents contained in this Agreement;

      (iii) any default by TCS or its agents under, or any breach or
            contravention by TCS of, any agreement, covenant, term or provision
            of this Agreement; and

      (iv)  the enforcement of this Agreement or any provision hereof as a
            result of any of the matters set forth in Sections 9.2(i). 9.2(ii)
            or 9.2(iii).

      9.3   Limitation of Liability

      In no event shall:

      (i)   Either Party be liable to the other, or in any way or in any manner
            whatsoever, for any [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION], including
            but not limited to [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION], or other
            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION];

      (ii)  TCS be liable for any [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] or
            [CONFIDENTIAL PORTION DELETED AND

                                       30
<PAGE>

CONNECTION SERVICES AGREEMENT                                      No: SBC-SCD02
================================================================================

            FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION];

      (iii) TCS be liable for any [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION];

      (iv)  TCS be liable for any [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION].

      9.4   Indemnification Notice

      Each Party shall promptly notify the other Party of any claim, demand,
      suit, action or threat of suit or action of which the Party becomes aware
      (except with respect to a threat of suit or action either Party might
      institute against the other Party) which may give rise to a right of
      indemnification pursuant to this Agreement. The indemnifying Party will be
      entitled to participate in the settlement or defense thereof and, if the
      indemnifying Party elects, to take over and control the settlement or
      defense thereof with counsel satisfactory to the indemnified Party. In any
      case, the indemnifying Party and the indemnifies Party shall cooperate (at
      no cost to the indemnified Party) in the settlement or defense of any such
      claim, demand, suit or proceeding.

10.   Exclusivity

            (a)   This Agreement and the rights granted hereunder by the
                  Customer to TCS are [CONFIDENTIAL PORTION DELETED AND FILED
                  SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION].
                  Nothing in this Agreement shall [CONFIDENTIAL PORTION
                  DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
                  EXCHANGE COMMISSION] the Customer from [CONFIDENTIAL
                  PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES
                  AND EXCHANGE COMMISSION] or [CONFIDENTIAL PORTION DELETED
                  AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
                  COMMISSION] any other Person to [CONFIDENTIAL PORTION
                  DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
                  EXCHANGE COMMISSION] of [CONFIDENTIAL PORTION DELETED AND
                  FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
                  COMMISSION], which are [CONFIDENTIAL PORTION DELETED AND
                  FILED SEPARATELY WITH THE

                                       31
<PAGE>

CONNECTION SERVICES AGREEMENT                                      No: SBC-SCD02
================================================================================

                  SECURITIES AND EXCHANGE COMMISSION] or [CONFIDENTIAL PORTION
                  DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
                  COMMISSION] of the TCS Switch services.

            (b)   This Agreement and the rights granted hereunder by TCS to
                  the Customer are [CONFIDENTIAL PORTION DELETED AND FILED
                  SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION].
                  Nothing in this Agreement shall [CONFIDENTIAL PORTION
                  DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
                  EXCHANGE COMMISSION] TCS from [CONFIDENTIAL PORTION DELETED
                  AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
                  COMMISSION] or [CONFIDENTIAL PORTION DELETED AND FILED
                  SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] to
                  other Person [CONFIDENTIAL PORTION DELETED AND FILED
                  SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] or
                  [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
                  SECURITIES AND EXCHANGE COMMISSION], which are
                  [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
                  SECURITIES AND EXCHANGE COMMISSION], set forth herein.

11.   Relationship of Parties

      Except as expressly provided in the Agreement, nothing contained in this
      Agreement shall be deemed or construed by the Parties, or any other third
      party, to create the relationship of partnership, agency, or joint venture
      or an association for profit between or among TCS and the Customer, it
      being understood and agreed that neither the method of computing
      compensation nor any other provision contained herein shall be deemed to
      create any relationship between the Parties other than the relationship of
      independent parties contracting for services. Except as expressly provided
      in the Agreement, neither Party has, nor hold itself out as having, any
      authority to enter into any contract or create any obligation or liability
      on behalf of, in the name of, or binding upon the other Party.

12.   Non-Assignability; Binding Effect

            (a)   This Agreement and the rights, benefits, interests and
                  obligations hereunder are personal and shall not be
                  transferred

                                       32
<PAGE>

CONNECTION SERVICES AGREEMENT                                      No: SBC-SCD02
================================================================================

                  or assigned by the Customer, directly or indirectly, either
                  voluntary or by operation of law, without prior written
                  consent of TCS, which consent of TCS may not be unreasonably
                  withheld. No consent of TCS to any such assignment or transfer
                  shall have the effect of releasing the Customer from any of
                  its obligations or liabilities under this Agreement.

            (b)   This Agreement and the rights, benefits, interests and
                  obligations hereunder are personal and shall not be
                  transferred or assigned by TCS, directly or indirectly,
                  either voluntary' or by operation of law, without prior
                  written consent of the Customer, which consent of the
                  Customer may not be unreasonably withheld. No consent of
                  the Customer to any such assignment or transfer shall have
                  the effect of releasing TCS from any of its obligations or
                  liabilities under this Agreement.

            (c)   This Agreement is entered into solely for the benefit of
                  TCS and the Customer and, except as contemplated by this
                  Section 12, shall not confer any rights upon any Person not
                  a party to this Agreement. This Agreement shall enure to
                  the benefit of and be binding upon the Customer and its
                  successors and permitted assigns, provided that the terms
                  of Section 12 have been met. This Agreement shall enure to
                  the benefit of and be binding upon TCS and its successors
                  and assigns.

13.   Waiver

      Failure to enforce any rights hereunder, irrespective of the length of
      time for which such failure continues, shall not constitute a waiver of
      those or any other rights.

14.   Titles

      Titles or captions contained in this Agreement are inserted only for
      convenient reference, and in no way define, limit or describe the scope or
      intent of this Agreement or any provisions hereof.

                                       33
<PAGE>

CONNECTION SERVICES AGREEMENT                                      No: SBC-SCD02
================================================================================

15.   General

      Notwithstanding anything herein, the Customer shall be entitled to assign
      its rights and obligations under this Agreement to a subsidiary or
      Affiliate of the Customer provided that such subsidiary or Affiliate shall
      agree in writing to be bound by the terms and conditions hereof in lieu of
      the Customer.

      Time is of the essence of this Agreement. Any extension of time granted
      shall not be deemed to be a waiver of the foregoing provision. This
      Agreement constitutes the entire Agreement between the parties on its
      subject matter and supersedes all prior written or oral agreements between
      the parties; may not be assigned by either party without the prior written
      consent of the other; shall inure to the benefit of and be binding upon
      the parties and their respective successors and permitted assigns; and
      shall be exclusively governed by the laws of the province of Ontario.

16.   Governing Law

      This Agreement shall be construed, and the legal relations between the
      parties hereto shall be determined, in accordance with the laws of
      Ontario, Canada in force therein.

17.   Notice

      Save for routine operational matters, which do not materially affect the
      terms and conditions of this Agreement, all notices, documents or other
      communications required or permitted by the Agreement to be given to a
      Party (collectively the "Notice") shall be in writing and sufficiently
      given if delivered personally or by courier or if sent by prepaid
      registered or certified mail (return receipt requested) or if transmitted
      by facsimile which provides a receipt to such Party:.

                  (i)   in the case of notice to TCS:
                        TCS (Canada) Limited,
                        Oakville Corporate Centre,
                        Suite 202,
                        700 Dorval Drive,

                        Oakville, Ontario,
                        Canada, L6K 3 V3
                        Attention: Vice President, Payment Solutions
                        Facsimile: 905 849 1396

                  (ii)  in the case of notice to the Customer:

                                       34
<PAGE>

CONNECTION SERVICES AGREEMENT                                      No: SBC-SCD02
================================================================================

                        Attention: Harold F. Shultz
                        Building "F", Unit #3, 5508-1g` Street SE,
                        Calgary, Alberta,
                        Canada T2H 2W7
                        Facsimile: 403-319-0240

      Notices delivered personally or by courier shall be deemed to have been
      received on the date of delivery. Notices delivered by pre-paid registered
      or certified mail shall be deemed to have been received on the third
      Business Day after mailing, Notices delivered by facsimile shall be deemed
      to have been received on the next Business Day after transmission.

--------------------------------------------------------------------------
TCS (CANADA) LIMITED                 SECURITY BANCORP. INC.

Date:                                Date:
       --------------------                 --------------------
Signed:                              Signed:
       --------------------                 --------------------
Name:  Mike Kelso                    Name:
       --------------------                 --------------------
Title: Vice President                Title:
       --------------------                 --------------------

                                       35
<PAGE>

CONNECTION SERVICES AGREEMENT                                      No: SBC-SCD02
================================================================================

Schedule "A"
Approved ABMs for TCS's Network                  As at December 7, 2001

Certified ABMs

Periodically TCS will publish a revised list of Certified ABMs with their
respective level of operating software. Such list will contain the combination
of hardware and software which together will be deemed a Certified ABM
configuration for use in TCS's network. The Certified ABMs have been tested by
TCS as compliant with Interac Association regulations. If TCS becomes aware that
a Certified ABM is no longer certified so that such ABM may no longer be used in
the Interac environment and/or use of such ABM would contravene TCS's internal
policies which relate to the security or to the quality of service provided by
TCS, then TCS will promptly notify Customer about such occurrence. In such event
TCS and Customer will mutually cooperate on a way for Customer to replace the
previously certified ABMs with terminals that are Certified ABMs. TCS and
Customer will bear all their own costs thereto.

In no way does certification provide a warranty by TCS that the ABM will operate
without defect or problems in production. The Customer is at all times
responsible for assuring themselves that the ABM meets their business needs.

Certified Asynchronous Dial Connection

--------------------------------------------------------------------------
TERMINAL           CERTIFICATE   HARDWARE           SOFTWARE VERSION
DESCRIPTION          ON DATE
--------------------------------------------------------------------------
[CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES
AND EXCHANGE COMMISSION]
--------------------------------------------------------------------------

[CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
EXCHANGE COMMISSION]

These ATM software versions are no longer certified to the network.

--------------------------------------------------------------------------
TERMINAL        DE-CERTIFICATION SOFTWARE VERSION   OTHER INFORMATION
DESCRIPTION         DATE
--------------------------------------------------------------------------
NCR             2001/04/16       NDC+ Dialup        All new dialup MCD2
MCD 2                                               machines must use a
                                                    certified version of
                                                    @tmEase
--------------------------------------------------------------------------
[CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES
AND EXCHANGE COMMISSION]
--------------------------------------------------------------------------

                                       36
<PAGE>

CONNECTION SERVICES AGREEMENT                                      No: SBC-SCD02
================================================================================

[CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
EXCHANGE COMMISSION]

--------------------------------------------------------------------------
TERMINAL           CERTIFICATE   HARDWARE           SOFTWARE VERSION
DESCRIPTION        ON DATE
--------------------------------------------------------------------------
[CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES
AND EXCHANGE COMMISSION]
--------------------------------------------------------------------------

[CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
EXCHANGE COMMISSION]

These ATMs or ATM software versions are no longer certified to the network.

--------------------------------------------------------------------------
TERMINAL        DE-CERTIFICATION    SOFTWARE VERSION   OTHER INFORMATION
DESCRIPTION     DATE
--------------------------------------------------------------------------
[CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES
AND EXCHANGE COMMISSION]
--------------------------------------------------------------------------

                                       37
<PAGE>

CONNECTION SERVICES AGREEMENT                                      No: SBC-SCD02
================================================================================

Schedule "B" TCS Network Fees

[CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
EXCHANGE COMMISSION]

                                       38
<PAGE>

CONNECTION SERVICES AGREEMENT                                      No: SBC-SCD02
================================================================================

Schedule "C" Support Processes and Services

[CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
EXCHANGE COMMISSION]

                                       39
<PAGE>

CONNECTION SERVICES AGREEMENT                                      No: SBC-SCD02
================================================================================

Schedule "D" Change Distribution

[CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
EXCHANGE COMMISSION]

                                       40
<PAGE>

CONNECTION SERVICES AGREEMENT                                      No: SBC-SCD02
================================================================================

Schedule "E" Performance Levels

[CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
EXCHANGE COMMISSION]

                                       41
<PAGE>

CONNECTION SERVICES AGREEMENT                                      No: SBC-SCD02
================================================================================

Schedule "F" [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
SECURITIES AND EXCHANGE COMMISSION]

                                       42
<PAGE>

CONNECTION SERVICES AGREEMENT                                      No: SBC-SCD02
================================================================================

Schedule "G" [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
SECURITIES AND EXCHANGE COMMISSION]

                                       43
<PAGE>

CONNECTION SERVICES AGREEMENT                                      No: SBC-SCD02
================================================================================

Schedule "H" [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
SECURITIES AND EXCHANGE COMMISSION]

                                       44
<PAGE>

CONNECTION SERVICES AGREEMENT                                      No: SBC-SCD02
================================================================================

Schedule "I" [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
SECURITIES AND EXCHANGE COMMISSION]

                                       45
<PAGE>

CONNECTION SERVICES AGREEMENT                                      No: SBC-SCD02
================================================================================

Schedule "J" [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
SECURITIES AND EXCHANGE COMMISSION]

                                       46CREDIT CARD CONNECTION SERVICES AGREEMENT
                                 No: SBC-CCCOl

AN AGREEMENT FOR CREDIT CARD PROCESSING SERVICES made the 15 November, 2001
between

      TCS (CANADA) LIMITED, a Company incorporated under the laws of Ontario,
      with registered offices located at 700 Dorval Drive, Suite 202, Oakville,
      Ontario, Canada, L6K 3V3, (hereinafter referred to as "TCS") and

      SECURITY BANCORP INC., a Company incorporated under the laws of Alberta,
      with registered offices located at Bldg F, Unit 3, 5508 1s' Street SE,
      Calgary, Alberta, Canada, T2H 2W9 (hereinafter referred to as the
      "Customer").

      (the "Extension Agreement")

SCOPE

A.    Customer has signed TCS's Connection Services Agreement ("Master
      Agreement") for provision of TCS IDP Service to Customer.

B.    TCS is now providing credit gateway services to allow Customer to provide
      credit card -related transactional services (including for example, credit
      card authorization, EFT and credit card settlement) to its end users
      generally ("Credit Card Services").

C. Customer desires to obtain Credit Card Services from TCS.

1.    Master Agreement and Credit Card Agreement.

1.1   Definitions

All the terms and definitions referenced in the Master Agreement are
incorporated by reference in the Credit Card Agreement. To the extent there is
any conflict between the Credit Card Agreement and the Master Agreement, the
Master Agreement shall prevail to the extent necessary to resolve any
inconsistency. The following definitions also apply:

(a)   "Eligible Terminals" means a terminal [CONFIDENTIAL PORTION DELETED AND
      FILED SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] or
      [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES
      & EXCHANGE COMMISSION] by the Customer or a third party under contract
      with Customer, where Customer has advised TCS [CONFIDENTIAL PORTION

<PAGE>

      DELETED AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION]
      that such terminal is [CONFIDENTIAL PORTION DELETED AND FILED
      SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] and which meets
      the requirements and standards described in Schedule A attached hereto.

(b)   "Switch" means the [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY
      WITH THE SECURITIES & EXCHANGE COMMISSION] and [CONFIDENTIAL PORTION
      DELETED AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION]
      operated by TCS for the purposes of [CONFIDENTIAL PORTION DELETED AND
      FILED SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] and
      [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES
      & EXCHANGE COMMISSION] to [CONFIDENTIAL PORTION DELETED AND FILED
      SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] and to the
      [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES
      & EXCHANGE COMMISSION].

2.    Credit Card Services

      2.1   Service Provider

            TCS agrees to [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY
            WITH THE SECURITIES & EXCHANGE COMMISSION] the Customer's
            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES & EXCHANGE COMMISSION] to the [CONFIDENTIAL PORTION
            DELETED AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE
            COMMISSION] and to enable such [CONFIDENTIAL PORTION DELETED AND
            FILED SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] to be
            delivered to Customer's end-users.

      2.2   User Fee

            (i)   Customer will be charged a [CONFIDENTIAL PORTION DELETED
                  AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE
                  COMMISSION]  (whether such transactions are [CONFIDENTIAL
                  PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES &
                  EXCHANGE COMMISSION] or [CONFIDENTIAL PORTION DELETED AND
                  FILED SEPARATELY WITH THE SECURITIES & EXCHANGE
                  COMMISSION]) for any transactions processed by way of the
                  [CONFIDENTIAL

                                       2
<PAGE>

                  PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES &
                  EXCHANGE COMMISSION]. Customer will [CONFIDENTIAL PORTION
                  DELETED AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE
                  COMMISSION] to enroll all [CONFIDENTIAL PORTION DELETED AND
                  FILED SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] on
                  the [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH
                  THE SECURITIES & EXCHANGE COMMISSION]. Changes to the
                  [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
                  SECURITIES & EXCHANGE COMMISSION] will be on [CONFIDENTIAL
                  PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES &
                  EXCHANGE COMMISSION] of the parties. Further details on the
                  [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
                  SECURITIES & EXCHANGE COMMISSION] are as set out in Schedule
                  B.

            (ii)  Customer may [CONFIDENTIAL PORTION DELETED AND FILED
                  SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] its end
                  users [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH
                  THE SECURITIES & EXCHANGE COMMISSION], in its [CONFIDENTIAL
                  PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES &
                  EXCHANGE COMMISSION], with respect to the Credit Card
                  Services.

            (iii) [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
                  SECURITIES & EXCHANGE COMMISSION] of the end of the calendar
                  month, TCS will [CONFIDENTIAL PORTION DELETED AND FILED
                  SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] and
                  [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
                  SECURITIES & EXCHANGE COMMISSION] a report to Customer with
                  respect to Credit Card Services transactions carried out by
                  Customer's end users.

            (iv)  [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
                  SECURITIES & EXCHANGE COMMISSION] by Customer to TCS on
                  [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
                  SECURITIES & EXCHANGE COMMISSION] of Credit Card Services
                  shall be [CONFIDENTIAL PORTION

                                       3
<PAGE>

                  DELETED AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE
                  COMMISSION] and [CONFIDENTIAL PORTION DELETED AND FILED
                  SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION], and to
                  obtain payment TCS will [CONFIDENTIAL PORTION DELETED AND
                  FILED SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION]
                  the amount of [CONFIDENTIAL PORTION DELETED AND FILED
                  SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] or any
                  part thereof from, or [CONFIDENTIAL PORTION DELETED AND FILED
                  SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] and
                  [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
                  SECURITIES & EXCHANGE COMMISSION] the [CONFIDENTIAL PORTION
                  DELETED AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE
                  COMMISSION] of such [CONFIDENTIAL PORTION DELETED AND FILED
                  SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] or any
                  part thereof against, any and all [CONFIDENTIAL PORTION
                  DELETED AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE
                  COMMISSION] on behalf of the Customer from the [CONFIDENTIAL
                  PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES &
                  EXCHANGE COMMISSION] processed through the Customer's
                  [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
                  SECURITIES & EXCHANGE COMMISSION] on [CONFIDENTIAL PORTION
                  DELETED AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE
                  COMMISSION] of IDP transactions.

            (v)   If the [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY
                  WITH THE SECURITIES & EXCHANGE COMMISSION] of the
                  [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
                  SECURITIES & EXCHANGE COMMISSION] of Credit Card Services
                  exceeds the [CONFIDENTIAL PORTION DELETED AND FILED
                  SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] to
                  the Customer, the Customer will provide TCS, at its
                  [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
                  SECURITIES & EXCHANGE COMMISSION], with the authority to
                  [CONFIDENTIAL PORTION DELETED AND

                                       4
<PAGE>

                  FILED SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION]
                  from the Customer's Account to [CONFIDENTIAL PORTION DELETED
                  AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE
                  COMMISSION] and the [CONFIDENTIAL PORTION DELETED AND FILED
                  SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] to the
                  Customer.

            (vi)  If the Customer fails to [CONFIDENTIAL PORTION DELETED AND
                  FILED SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION]
                  any of the [CONFIDENTIAL PORTION DELETED AND FILED
                  SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] of
                  Credit Card Services or [CONFIDENTIAL PORTION DELETED AND
                  FILED SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION]
                  of any nature [CONFIDENTIAL PORTION DELETED AND FILED
                  SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] by it
                  hereunder on the [CONFIDENTIAL PORTION DELETED AND FILED
                  SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION]
                  therefore, the Customer shall [CONFIDENTIAL PORTION DELETED
                  AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE
                  COMMISSION] on such [CONFIDENTIAL PORTION DELETED AND FILED
                  SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] in
                  the same [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY
                  WITH THE SECURITIES & EXCHANGE COMMISSION] as such
                  [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
                  SECURITIES & EXCHANGE COMMISSION] is [CONFIDENTIAL PORTION
                  DELETED AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE
                  COMMISSION] before and after [CONFIDENTIAL PORTION DELETED
                  AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE
                  COMMISSION] and [CONFIDENTIAL PORTION DELETED AND FILED
                  SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] until
                  [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
                  SECURITIES & EXCHANGE COMMISSION] in [CONFIDENTIAL PORTION
                  DELETED AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE
                  COMMISSION] at [CONFIDENTIAL PORTION DELETED

                                       5
<PAGE>

                  AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE
                  COMMISSION] equal to [CONFIDENTIAL PORTION DELETED AND FILED
                  SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] on a
                  [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
                  SECURITIES & EXCHANGE COMMISSION] and [CONFIDENTIAL PORTION
                  DELETED AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE
                  COMMISSION] year and [CONFIDENTIAL PORTION DELETED AND FILED
                  SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] in
                  [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
                  SECURITIES & EXCHANGE COMMISSION], with [CONFIDENTIAL PORTION
                  DELETED AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE
                  COMMISSION] on [CONFIDENTIAL PORTION DELETED AND FILED
                  SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION]at the
                  same [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH
                  THE SECURITIES & EXCHANGE COMMISSION].

2.3 Covenants with respect to the Credit Card Service

      TCS covenants and agrees that:

      (i)   it shall comply in all respects with all of

            (a)   the agreements, terms and conditions set forth in this
                  Agreement; and

            (b)   TCS shall ensure that their systems are maintained compliant
                  with all relevant Card Brand Associations to the best of their
                  ability.

      (ii)  for the [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH
            THE SECURITIES & EXCHANGE COMMISSION] by the Customer it shall
            provide [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH
            THE SECURITIES & EXCHANGE COMMISSION] for credit card
            transactions [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY
            WITH THE SECURITIES & EXCHANGE COMMISSION] at Eligible Terminals
            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES & EXCHANGE COMMISSION] on behalf of the Customer;

                                       6
<PAGE>

      (iii) it shall provide by [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] defined and
            mutually agreed to from time to time by TCS and the Customer, such
            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES & EXCHANGE COMMISSION] as are defined in Schedule "F"
            attached hereto;

      (iv)  it shall provide [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY
            WITH THE SECURITIES & EXCHANGE COMMISSION] to a [CONFIDENTIAL
            PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE
            COMMISSION] which will allow the Customer to [CONFIDENTIAL PORTION
            DELETED AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE
            COMMISSION] pertaining to their Eligible Terminals in accordance
            with Schedule "H" attached hereto.

3.    Customer Obligations

3.1   Customer Covenants

The Customer covenants and agrees:

      (i)   to comply in all respects with all of

            (a)   the agreements, terms and conditions set forth in this
                  Agreement; and

            (b)   all relevant Card Brand Associations to the best of their
                  ability.

      (ii)  that the Customer shall [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] out of this
            agreement [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH
            THE SECURITIES & EXCHANGE COMMISSION] and [CONFIDENTIAL PORTION
            DELETED AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE
            COMMISSION] by the Customer under the laws of Canada;

      (iii) that the Customer shall [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] related to the
            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES & EXCHANGE COMMISSION] of its

                                       7
<PAGE>

            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES & EXCHANGE COMMISSION] operated by TCS on the Customer's
            behalf and that TCS shall not, at any time or in any way or in any
            manner whatsoever, [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION], or
            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES & EXCHANGE COMMISSION], or [CONFIDENTIAL PORTION DELETED
            AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION]
            Customer's Terminals;

      (iv)  that TCS shall not, at any time or in any way or in any manner
            whatsoever, be [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY
            WITH THE SECURITIES & EXCHANGE COMMISSION], or [CONFIDENTIAL PORTION
            DELETED AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE
            COMMISSION] or [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY
            WITH THE SECURITIES & EXCHANGE COMMISSION] of a Customer's Eligible
            Terminals;

      (v)   that the Customer shall [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] TCS for
            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES & EXCHANGE COMMISSION] incurred by TCS's personnel
            during any on [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY
            WITH THE SECURITIES & EXCHANGE COMMISSION] execution of this
            contract. These [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] shall be
            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES & EXCHANGE COMMISSION] by the Customer and shall
            include, but not be limited to, the following:

            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
                  SECURITIES & EXCHANGE COMMISSION] in the execution of this
                  Agreement
            -     [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES & EXCHANGE COMMISSION] which might occur.

All [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES &
EXCHANGE COMMISSION] shall be [CONFIDENTIAL

                                       8
<PAGE>

PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION]
to TCS forthwith when [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH
THE SECURITIES & EXCHANGE COMMISSION];

      (vi)  that the Customer acknowledges that TCS has [CONFIDENTIAL PORTION
            DELETED AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE
            COMMISSION] to TCS's [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] and
            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES & EXCHANGE COMMISSION];

      (vii) that the Customer will be responsible for [CONFIDENTIAL PORTION
            DELETED AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE
            COMMISSION] and [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY
            WITH THE SECURITIES & EXCHANGE COMMISSION] of [CONFIDENTIAL PORTION
            DELETED AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE
            COMMISSION] and [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY
            WITH THE SECURITIES & EXCHANGE COMMISSION] the [CONFIDENTIAL PORTION
            DELETED AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE
            COMMISSION] required to connect the Customer's Eligible Terminal at
            the remote site. Further that [CONFIDENTIAL PORTION DELETED AND
            FILED SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION]
            associated with the [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] shall be the
            responsibility of the Customer and that TCS shall not, at any time
            or in any way or in any manner whatsoever, [CONFIDENTIAL PORTION
            DELETED AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE
            COMMISSION]. Such [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY
            WITH THE SECURITIES & EXCHANGE COMMISSION], as mutually agreed to by
            both Parties, shall be [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] with TCS's
            requirements for said facilities;

     (viii) that the Customer will be responsible for [CONFIDENTIAL PORTION
            DELETED AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE
            COMMISSION] an Eligible Terminal at a remote site;

                                       9
<PAGE>

      (ix)  to notify TCS that an Eligible Terminal is to be [CONFIDENTIAL
            PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE
            COMMISSION] from service no later than [CONFIDENTIAL PORTION DELETED
            AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION]
            before the [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH
            THE SECURITIES & EXCHANGE COMMISSION] using the method provided by
            TCS for this purpose;

      (x)   that the Customer will be [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] for any
            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES & EXCHANGE COMMISSION] conducted at the Customer's
            Eligible Terminals during the time they were connected to TCS's
            Switch;

      (xi)  that the Customer [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] that TCS
            shall have [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY
            WITH THE SECURITIES & EXCHANGE COMMISSION] to provide Credit Card
            Services to the Eligible Terminal site, [CONFIDENTIAL PORTION
            DELETED AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE
            COMMISSION] the Customer or its agents maintain an agreement to
            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES & EXCHANGE COMMISSION] at the said Eligible Terminal
            site.

The Customer shall be in breach of this clause 3.1 (xi) if, without prior
written approval from TCS:

      o     the Customer [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH
            THE SECURITIES & EXCHANGE COMMISSION] the Eligible Terminal at the
            site with [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH
            THE SECURITIES & EXCHANGE COMMISSION] the [CONFIDENTIAL PORTION
            DELETED AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE
            COMMISSION];

      o     the Eligible Terminal is [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] send credit
            card processing transactions to [CONFIDENTIAL PORTION DELETED AND
            FILED

                                       10
<PAGE>

            SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] for the
            purposes of providing the [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION];

      o     the Customer [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH
            THE SECURITIES & EXCHANGE COMMISSION] at the Eligible Terminal site
            for the purpose of [CONFIDENTIAL PORTION DELETED AND FILED
            SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION].

For each and every breach occurring under this Section 3.1 (xi), the Customer
agrees [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES &
EXCHANGE COMMISSION] TCS a [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY
WITH THE SECURITIES & EXCHANGE COMMISSION]. Further that the Customer agrees
that TCS may [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
SECURITIES & EXCHANGE COMMISSION] the Customer or its clients for transactions
processed by TCS.

                                       11
<PAGE>

TCS (CANADA) LIMITED                SECURITY BANCORP INC.

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

Signed:                             Signed:
       ------------------                   ------------------

Name:    Mike Kelso                 Name:       H. Schultz
       ------------------                   ------------------

Title:   Vice President             Title:      President
       ------------------                   ------------------

                                       12
<PAGE>

Schedule "A"
Certified Terminals for TCS's Credit Gateway Switch Network
--------------------------------------------------------------------------------

Schedule "A" of the Master Agreement is used for this agreement verbatim.

Eligible Terminals
Periodically TCS will [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH
THE SECURITIES & EXCHANGE COMMISSION] of Eligible Terminals and Terminal
Applications with their [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH
THE SECURITIES & EXCHANGE COMMISSION] of Terminal operating software. Such
[CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES &
EXCHANGE COMMISSION] will contain the [CONFIDENTIAL PORTION DELETED AND FILED
SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION]. The Eligible Terminal
[CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES &
EXCHANGE COMMISSION] TCS as compliant with TCS's [CONFIDENTIAL PORTION DELETED
AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION]. In no way does
this provide a [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
SECURITIES & EXCHANGE COMMISSION] by TCS that the Eligible Terminal
[CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES &
EXCHANGE COMMISSION] or [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH
THE SECURITIES & EXCHANGE COMMISSION] in production. The Customer is
[CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES &
EXCHANGE COMMISSION] that the Eligible Terminal hardware and software meets
their business needs

                                       13
<PAGE>

Schedule "B"
TCS Network [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
SECURITIES & EXCHANGE COMMISSION]

[CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES &
EXCHANGE COMMISSION]

Group A

[CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES &
EXCHANGE COMMISSION]

---------------------------------------------------------------------------
[CONFIDENTIAL PORTION DELETED AND     [CONFIDENTIAL PORTION DELETED AND
FILED SEPARATELY WITH THE SECURITIES  FILED SEPARATELY WITH THE
& EXCHANGE COMMISSION]                SECURITIES & EXCHANGE COMMISSION]
---------------------------------------------------------------------------
---------------------------------------------------------------------------
---------------------------------------------------------------------------
---------------------------------------------------------------------------

Group B

For Group B [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
SECURITIES & EXCHANGE COMMISSION]

[CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES &
EXCHANGE COMMISSION]

                                       14
<PAGE>

Schedule "F" Daily Reports available to the Customer

[CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES &
EXCHANGE COMMISSION]

                                       15
<PAGE>

Schedule "H" POSHweb Internet Service

Services Provided
POSHweb Internet Service provides the client with [CONFIDENTIAL PORTION DELETED
AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION].
POSHweb will allow the user to:

[CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES &
EXCHANGE COMMISSION]

Fee schedule
[CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES &
EXCHANGE COMMISSION]

                                       16

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