Document:

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                                                                    Exhibit 10.3

                               SECOND AMENDMENT TO
                      JABBER OEM SOFTWARE LICENSE AGREEMENT

     This Second Amendment to Jabber OEM Software License Agreement (this
"Second Amendment") by and between Jabber, Inc., a Delaware corporation
("Jabber"), and France Telecom, a French corporation ("Distributor"), is dated
as of March 12, 2003.

                                     RECITAL

     WHEREAS, Jabber and Distributor are parties to a certain Jabber OEM
Software License Agreement dated as of October 1, 2001, and amended as of
October 17, 2002 (the "Agreement"); and

     WHEREAS, the parties desire to amend certain provisions of Exhibit D to the
Agreement.

                                    AGREEMENT

     NOW, THEREFORE, in consideration of the mutual covenants, agreements and
understandings herein contained, the receipt and sufficiency of which are hereby
acknowledged, the parties hereto hereby agree as follows:

     1. Amendment to Exhibit D. The fourth sentence of paragraph number (1) of
the "License Fees" section of Exhibit D is hereby amended and restated as
follows: "Pricing for Part II shall apply for the period January 1, 2003 through
December 31, 2003, upon the election of Distributor delivered by written notice
on or before March 31, 2003."

     2. Effect of Second Amendment. Except as modified by this Second Amendment,
the Agreement, as amended, shall remain in full force and effect. In the event
of any conflict between this Second Amendment and the Agreement, this Second
Amendment shall prevail.

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     3. Counterparts. This Second Amendment may be executed simultaneously in
one or more counterparts, any one of which need not contain the signatures of
more than one party, but all such counterparts taken together shall constitute
one in the same amendment. This Second Amendment may be delivered by facsimile,
and facsimile signatures will be treated as original signatures for all
applicable purposes.

     IN WITNESS WHEREOF, the parties hereto have executed this Second Amendment
to the Jabber OEM Software License Agreement as of the day and year first above
written.

                                       JABBER, INC.

                                       By /s/ Gwenael Hagan
                                          --------------------------------------
                                          Gwenael Hagan
                                          Its: COO/CFO

                                       FRANCE TELECOM

                                       By /s/ Pascal Viginier
                                          --------------------------------------
                                          Pascal Viginier
                                          Its: Director

                                      -2-

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               [France Telecom Research & Development letterhead]

Rob Balgley
Chief Executive Officer
Jabber, Inc.

Paris, 18 March 2003

Sir,

I hereby give Jabber, Inc. notice of France Telecom's election to exercise Part
II of the Jabber OEM Software License Agreement dated October 1, 2001, as
amended as of October 17, 2002 and March 12, 2003 (the "Agreement"), to purchase
licenses for the Software in accordance with the terms of the Agreement for an
additional 2,173,913 Users.

Best regards,

/s/ Pascal Viginier
-------------------------------------------------
Director of France Telecom Research & Development<PAGE>

                                                                    Exhibit 10.4

                                                      Investor Relations Contact
                                                      David Donlin
                                                      The Cervelle Group
                                                      866-295-7878

For Immediate Release

  Webb Interactive Services, Inc. Announces $7.2 Million Jabber, Inc. Financing

            France Telecom and Intel Participate in Private Placement

Denver, CO - March 19, 2003 - Webb Interactive Services Inc. (OTCBB: WEBB), a
developer and marketer of real-time communications software and instant
messaging solutions through its subsidiary, Jabber, Inc., today announced the
completion of a $7.2 million financing for Jabber, Inc., in which it
participated along with existing investor France Telecom Technology
Investissements (FTTI) and new investor, Intel Capital, by the cancellation of
$2.2 million of obligations owed to Webb by Jabber. FTTI is the technology
investment vehicle of France Telecom (NYSE: FTE) and Intel Capital is Intel's
strategic investment arm.

On a fully converted basis, along with its current holdings of Jabber capital
stock, Webb will own approximately 43.3% of Jabber's outstanding capital stock
compared to approximately 74.8% prior to the transaction.

In addition, the company announced today that France Telecom has exercised an
option with Jabber, Inc. to purchase additional user licenses and support for
$3,000,000 to be paid in four quarterly installments this year.

Bill Cullen, Webb's President and CEO stated, "We welcome the additional
investment in Jabber from FTTI and new investor, Intel Capital. We are committed
to building Jabber into the leader for open-architected, presence-enabled
messaging solutions across a wide variety of fixed and mobile systems. In return
for relinquishing some of our previous ownership stake that originated from
having initially funded Jabber, we have achieved the three key objectives we set
for this latest round of strategic financing: namely, financial security,
broader distribution opportunities and standards support. Jabber's
accomplishments to date have been extraordinary by any measure, but, in my view,
pale by comparison to the potential that may lie ahead."

Form 8-K Filed

Webb has disclosed additional details of the financing transaction in a Form 8-K
which will be filed with the Securities and Exchange Commission tomorrow.

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Conference Call

The Company will host a conference call on Tuesday March 25 at 4:15PM EST for
the purpose of reviewing this funding transaction. The call may be accessed by
dialing 866-360-7706. Instructions will be given at the beginning of the call.

About Webb Interactive Services, Inc.

Webb Interactive Services (OTCBB: WEBB) located in Denver, Colorado is an
investor in Jabber, Inc., an independently operated developer of the world's
most widely used open platform for extensible Instant Messaging and presence
management applications. Founded by and initially financed by Webb, Jabber's
investors also include France Telecom Technology Investissements and Intel
Capital.

About Jabber, Inc.

Jabber, Inc. is the developer of the world's most widely used open platform for
extensible instant messaging and presence management applications. In addition
to Webb Interactive Services, Inc. (OTCBB: WEBB), Jabber, Inc.'s investors also
include France Telecom (NYSE: FTE) and Intel Capital. Jabber Inc.'s commercial
software has been sold and deployed to more than 3 million users. The Jabber
Open Source project now has more than 150,000 servers in operation worldwide.
Jabber has been adopted in the telecommunications, enterprise and software
development markets by customers that include France Telecom, Hewlett-Packard,
BellSouth, webMethods, AT&T, Landmark Graphics, and Juniper Networks. Please see
www.jabber.com for more information.

Business Risks and Forward-Looking Statements

This press release contains forward-looking statements relating to the business
outlook for Webb Interactive Services, Inc. for the year 2003: trends in
industry conditions, revenues, expenses and earnings, actions to be taken with
the objective of improving business efficiency, and improved sales and marketing
productivity, among other factors affecting growth in sales and revenue.
Statements regarding market conditions and Webb's business outlook are based
largely on our current opportunities and are subject to business risks related
to the speed with which the market for our services develops and our ability to
further expand the sales of existing products as well as to up-sell our existing
customers. Due to our limited operating history, we have a limited ability to
use our past performance as an indicator of future events.

Sales and earnings trends are also affected by many other factors including, but
not limited to, general economic conditions, the availability of external
financing and our pricing and technology strategies. In light of these risks,
there can be no assurance that the forward-looking statements contained in this
press release will be realized. The statements made in this press release
represent Webb's views as of the date of this press release, and it should not
be assumed that the statements made will remain the same at some future date.
Webb does not intend to update these statements and has no duty to any person to
effect any such update under any circumstances.

For a further discussion of risks associated with Webb's business, please see
the discussion under the caption "Risk Factors" contained in the company's
Annual Report

<PAGE>

on Form 10-KSB for the year-ended December 31, 2002 which will be filed by Webb
on or around March 31, 2003 with the Securities and Exchange Commission and the
other reports that have been filed by Webb with the Securities and Exchange
Commission and may be accessed through the Company's website at www.webb.net.Amended and Restated Zions Banc Key Employee Incentice Stock Option Plan

  EXHIBIT 10.1
 Includes all amendments through 5/2002
 ZIONS BANCORPORATION
 KEY EMPLOYEE INCENTIVE STOCK OPTION PLAN
 ARTICLE I
 Purpose and Scope of the Plan
 1.1       Purpose
 The purpose of the Plan is to promote the long-term success of Zions Bancorporation by providing financial incentives to key employees who are in positions to make significant
contributions toward such success. The Plan is designed to attract individuals of outstanding ability to employment with Zions Bancorporation and to encourage key employees to acquire a proprietary interest in Zions Bancorporation, to continue
employment with Zions Bancorporation, and to render superior performance during such employment.
 1.2        Definitions
 Unless the context clearly indicates otherwise, the following
terms have the meanings set forth below.
 “Board of Directors” means the Board of Directors of the
Company.
 “Code” means the Internal Revenue Code of 1954, as amended.
 “Committee” means the Executive Compensation Committee of the Board of Directors, which committee shall be composed of at
least three directors who have not been eligible to receive an award under the Plan at any time within a period of one year immediately preceding the date of their appointment to such committee.
 “Common Stock” means the common stock of the Company, without par value, or such other class of shares or other securities as to which the
provisions of the Plan may be applicable.
 “Company” means Zions Bancorporation.
 “Fair Market Value” of a share of Common Stock on any particular date is the mean between the closing dealer
“bid” and “ask” prices of a share of Common Stock as quoted by NASDAQ. If no “bid” and “ask” prices are quoted for the date of grant, the Fair Market Value of a share of Common Stock on such date shall be
determined with reference to such prices of a share of Common Stock on the first preceding date on which such prices were quoted. If Common Stock is listed on an established stock exchange or exchanges, the Fair Market Value shall be deemed to be
the highest closing price of Common Stock on such stock exchange or exchanges on the day the option is granted or, if no sale of Common Stock has been made on any stock exchange on that day, the Fair Market Value shall be determined

 

  by reference to such price for the next preceding day on which a sale occurred. In the event that Common Stock is not traded on an
established stock exchange, and no closing dealer “bid” and “ask” prices are available, then the purchase price shall be 100 percent of the Fair Market Value of one share of Common Stock on the day the option is granted, as
determined on the Committee in good faith.
 “Grant Date,” as used with respect to a particular Option,
means the date as of which such option is granted by the Committee pursuant to the Plan.
 “Grantee”
means the individual to whom an Option is granted by the Committee pursuant to the Plan. 
 “Incentive Stock Option” means an option, granted by the Committee pursuant to Article II, to purchase shares of Common Stock in a manner which qualifies as an Incentive Stock Option as described in Section 422A of the Code of 1954, as amended.
 “Option Period” means the period beginning on the Grant Date and ending the day specified in the agreement for each
option but in no event longer than the tenth anniversary of the Grant Date.
 “Plan” means the Zions
Bancorporation Key Employee Incentive Stock Option Plan as set forth herein and as may be amended from time to time.
 “Retirement,” as applied to a Grantee, means the Grantee’s termination of employment with Zions Bancorporation at a time when the Grantee receives an immediately payable retirement benefit under the Zions
Bancorporation Retirement Plan or under any other retirement plan that is maintained by a subsidiary of Zions Bancorporation and that is determined by the Committee to be the functional equivalent of the Company’s Retirement Plan.
 “Zions” means the Company, any stock corporation of which a majority of the voting common or capital stock is owned
directly or indirectly by the Company, and any other company designated as such by the Committee, but only during the period of such ownership or designation.
 “Total and Permanent Disability,” as applied to a Grantee, means that the Grantee; (i) has established to the satisfaction of the Company that the Grantee is unable to engage in any
substantial gainful activity by reason of any medically determinable physical or mental impairment which can be expected to result in death or which has lasted or can be expected to last for a continuous period of not less than 12 months (all within
the meaning of Section 105[d][4] of the Code); and (ii) has satisfied any requirement imposed by the Committee.
 1.3        Aggregate Limitation
 (a)       The aggregate number of shares of Common Stock with respect to which Incentive Stock Options may be granted under the Plan shall not exceed 806,000 shares of Common Stock, subject
to adjustment in accordance with Section 3.1.
 

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  (b)       Any shares of Common Stock to
be delivered by the Company upon the exercise of Incentive Stock Options shall be issued from the Company’s authorized but unissued shares of Common Stock or from Treasury Stock acquired by the Company at the discretion of the Board of
Directors.
 (c)        In the event that any Incentive
Stock Option lapses or otherwise terminates prior to being fully exercised, any share of Common Stock allocable to the unexercised portion of such option may again be made subject to an Incentive Stock Option.
 1.4        Administration of the Plan
 (a)       The Plan shall be administered by the Committee which shall have the authority: 
 (i)         to determine key employees of Zions and its subsidiaries to
whom, and the times as which, Incentive Stock Options shall be granted and the number of shares of Common Stock to be subject to each such option taking into account the nature of the services rendered by the particular employee, the employee’s
potential contribution to the long-term success of the Corporation and/or any of its subsidiaries and such other factors as the Committee in its discretion shall deem relevant;
 (ii)       to interpret the Plan and to establish rules and regulations relating to it;
 (iii)     to prescribe the terms and provisions of the agreements for the grant of Incentive
Stock Options; and
 (iv)      to make all other determinations
necessary or advisable in order to administer the Plan.
 (b)      All decisions of the Committee upon questions concerning the Plan or any Incentive Stock Option shall be conclusive.
 1.5        Eligibility for Awards
 The Committee shall designate from time to time the
key employees of Zions and its subsidiaries who are to be granted Incentive Stock Options. In no event may a member of the Committee or any nonemployee Director be granted an Incentive Stock Option. 
 

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  1.6        Effective Date and Duration of Plan
 The Plan shall become effective as of December 28, 1981, upon its adoption by the Board of Directors; provided, that any grant of Incentive Stock Options is subject to the approval
of the Plan by the shareholders of the Company within twelve months of adoption by the Board of Directors. Unless previously terminated by the Board of Directors, the Plan shall terminate on March 3, 2005.
 ARTICLE II
STOCK OPTIONS
 2.1        Grant of Incentive Stock Options
 The Committee may from time to time,
subject to the provisions of the Plan, grant Incentive Stock Options to key employees to purchase shares of Common Stock allotted in accordance with Section 1.3.
 2.2        Option Requirements
 (a)         All Incentive Stock Options are intended to qualify as an “incentive stock options” within the meaning of Subsection (b) of Section 422A of the
Code.
 (b)         An Incentive Stock Option shall be
evidenced by a written instrument specifying the number of shares of Common Stock that may be purchased by its exercise, the Option Period and any other such terms and conditions consistent with the Plan as the Committee shall determine.

(c)         An Incentive Stock Option shall not be granted on
or after the tenth anniversary of the date upon which the Plan was adopted by the Board of Directors.
 (d)         An Incentive Stock Option shall not be granted to an individual who, on the date of grant, owns stock possessing more than ten percent of the total combined voting
power of all classes of stock of Zions or any subsidiary corporation.
 (e)         An Incentive Stock Option shall not be exercisable after the expiration of the Option Period.
 (f)         [deleted]
 (g)         The Committee may provide, in the instrument evidencing an Incentive Stock Option, for the lapse of the Incentive Stock
Option, prior to the expiration of the Option Period, upon the occurrence of any event specified by the Committee. 
 (h)         The option price per share of Common Stock shall be equal to the Fair Market Value of a share of Common Stock on the Grant Date.
 

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  (i)      The aggregate Fair Market Value,
determined on the Grant Date, of the shares of Common Stock with respect to which any Grantee may be granted one or more Incentive Stock Options under the Plan (within the meaning of Subsection [b] of Section 422A of the Code) in any calendar year
shall not exceed $100,000.00 plus any “unused limit carryover” to such year, determined in accordance with Section 422A(c)(4) of the Code.
 (j)      An Incentive Stock Option shall not be transferable other than by will or the laws of descent and distribution and, during the
Grantee’s lifetime, shall be exercisable only by the Grantee; except, that the Committee may permit:
 (i)       exercise, during Grantee’s lifetime, by Grantee’s guardian or legal representative; and 
 (ii)      transfer, upon Grantee’s death, to beneficiaries designated by Grantee in a manner authorized by the Company; provided that the
Committee determines that such exercise and such transfer are consonant with requirements for exemption from Section 16(b) of the Securities Exchange Act of 1934, as amended, and with the requirements of Section 422A(b)(5) of the Code.
 (k)     In the event of retirement or involuntary termination of employment without
cause, the option to exercise shall lapse at the earlier of the Option Period of the Incentive Stock Option or three months after retirement. In the event of voluntary termination of employment at the election of the employee or termination for
cause at the election of the Company, all Incentive Stock Options shall lapse forthwith. In the event of termination due to death or total and permanent disability, any Incentive Stock Options shall lapse at the earlier of the appropriate Option
Period or one year after termination due to such causes.
 (l)      A
person electing to exercise an Incentive Stock Option shall give written notice, in such form as the Committee may require, of such election to the Company and shall tender to the Company the full specified option purchase price of the shares of
Common Stock for which the election is made. Payment of the purchase price shall be made in cash or in such other form as the Board of Directors may approve, including shares of Common Stock of the Company valued at the Fair Market Value on the date
of exercise of the Option.
 

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  ARTICLE III
 General
Provisions
 3.1        Adjustment Provisions
 (a)       If: 
 (i)        any recapitalization, reclassification, split-up or consolidation of Common Stock is effected; 
 (ii)      the outstanding shares of Common Stock are exchanged, in connection with a
merger or consolidation of the Company or a sale by the Company of all or a part of its assets, for a different number or class of shares of stock or other securities of the Company or for shares of the stock or other securities of any other
corporation; 
 (iii)     new, different or additional shares or other
securities of the Company or of another corporation are received by the holders of Common Stock; or 
 (iv)      any distribution is made to the holders of Common Stock other than a cash dividend; then the Committee shall make appropriate adjustments to:
 (A)     The number and class of shares or other securities that may be issued or transferred pursuant to
Incentive Stock Options, and 
 (B)      The purchase price to be
paid per share under outstanding options.
 (b)      Upon the
dissolution or liquidation of the Company, the Plan shall terminate, and all options previously granted shall lapse on the date of such dissolution or liquidation of the Company.
 (c)       Adjustments under Subsection (a) shall be made according to the sole discretion of the Committee, and its
decision shall be binding and conclusive.
 (d)      Except as
provided in subparagraphs (a) and (b), the issuance by the Company of shares of stock of any class, or securities convertible into shares of stock of any class shall not affect te Incentive Stock Options.
 3.2        Additional Conditions
 Any
shares of Common Stock issued or transferred under any provision of the Plan may be issued or transferred subject to such conditions, in addition to those specifically provided in the Plan, as the Committee or Company may impose.
 

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  3.3        No Right to Employment
 Nothing in the Plan or in any instrument executed pursuant thereto shall confer upon any employee any right to continue in the employ of Zions Bancorporation or any of its
subsidiaries or shall affect the right of Zions Bancorporation or a subsidiary thereof to terminate the employment of any employee, with or without cause.
 3.4        Legal Restrictions
 The Company will not be obligated to issue shares of
Common Stock or make any payment if counsel to the Company determines that such issuance or payment would violate any law or regulation of any governmental authority or any agreement between the Company and any national securities exchange upon
which the Common Stock may be listed. In connection with any stock issuance or transfer, the person acquiring the shares shall, if requested by the Company, give assurances satisfactory to counsel to the Company regarding such matters as the Company
may deem desirable to assure compliance with all legal requirements. The Company shall in no event be obliged to take any action in order to cause the exercise of any Incentive Stock Option.
 3.5        No Rights as Shareholders
 No
Grantee, and no beneficiary or other person claiming through a Grantee, shall have any interest in any shares of Common Stock allocated for the purposes of the Plan or subject to any Incentive Stock Option until such shares of Common Stock shall
have been transferred to the Grantee or such person. Furthermore, the existence of the Incentive Stock Options shall not affect: the right or power of the Company or its stockholders to make adjustments, recapitalizations, reorganizations or other
changes in the Company’s capital structure or its business; any issue of bonds, debentures, preferred or prior preference stocks affecting the Common Stock of the Company or the rights thereof; the dissolution or liquidation of the Company, or
sale or transfer of any part of its assets or business; or any other corporate act, whether of a similar character or otherwise.
 3.6        Withholding Taxes
 The Company may require Grantee, as a condition of
exercise of an Incentive Stock Option, to pay or reimburse any taxes which it determines it is required to withhold in connection with the grant or exercise of the Incentive Stock Option.
 3.7        Choice of Law
 The validity,
interpretation and administration of the Plan and of any rules, regulations, determinations or decisions made thereunder, and the rights of any and all persons having or claiming to have any interest therein or thereunder, shall be determined
exclusively in accordance with the laws of the State of Utah. Without limiting the generality of the foregoing, the period within which any action in connection with the Plan must be commenced shall be governed by the Laws of the State of Utah;
without regard to the place 
 

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  where the act or omission complained of took place, the residence of any party to such action or the place where the action may be
brought.
 3.8        Amendment, Suspension and Termination of Plan
 The Board of Directors may at any time terminate, suspend or amend the Plan; however, no such amendment shall, without the approval of the shareholders of the Company: 

(a)       increase the aggregate number of shares which may be issued in
connection with Incentive Stock Options;
 (b)      change the
Incentive Stock Option exercise price;
 (c)       increase the
maximum period during which Incentive Stock Options may be exercised;
 (d)      extend the effective period of the Plan; or
 (e)       materially modify the requirements as to eligibility for participation in the Plan.
 
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