Document:

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                                                                     Exhibit 4.1

[GRAPHIC]

 NUMBER                                                                 SHARES
KBAY

                                [KANBAY(SM) LOGO]

              INCORPORATED UNDER THE LAWS OF THE STATE OF DELAWARE

                                                               CUSIP 48369P 20 7
                                             SEE REVERSE FOR CERTAIN DEFINITIONS

This Certifies that

is the owner of

   FULLY PAID AND NON-ASSESSABLE SHARES OF THE COMMON STOCK, $.001 PAR VALUE, OF

KANBAY INTERNATIONAL, INC., which stock is transferable on the Books of the
Corporation by the holder hereof in person or by duly authorized attorney upon
the surrender of this Certificate properly endorsed. This Certificate is not
valid until countersigned by the Transfer Agent and registered by the Registrar.

     Witness the facsimile signatures of its duly authorized officers.

     Dated:

       /s/ William F. Weissman                     /s/ Raymond J. Spencer
             SECRETARY                                  CHAIRMAN OF THE BOARD

     Countersigned and Registered.
                     AMERICAN STOCK TRANSFER & TRUST COMPANY
                              (New York, New York)

                                                  Transfer Agent and Registrar
     By

                                                              Authorized Officer
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                           KANBAY INTERNATIONAL, INC.

     A statement of the powers, designations, preferences and relative,
participating, optional or other special rights of each class of stock or series
thereof and the qualifications, limitations or restrictions of such preferences
and/or rights as established, from time to time, by the Certificate of
Incorporation of the Corporation and by any certificate of determination, the
number of shares constituting each class and series, and the designations
thereof, may be obtained by the holder hereof upon request and without charge
from the Secretary of the Corporation at the principal office of the
Corporation.

     The following abbreviations, when used in the inacription on the face of
this certificate, shall be construed as though they were written out in full
according to applicable laws or regulations:

     TEN COM    --   as tenants in common
     TEN ENT    --   as tenants by the entireties
     JT TEN     --   as joint tenants with right of
                     survivorship and not as tenants
                     in common
     COM PROP   --   as community property

     UNIF GIFT MIN ACT-_________________Custodian______________________
                            (Cust)                      (Minor)
                               under Uniform Gifts to Minors
                               Act_____________________________________
                                           (State)
     UNIF TRF MIN ACT-__________Custodian (until age____________)
                        (Cust)
                              ______________________under Uniform Transfers
                                      (Minor)
                                   to Minors Act__________________________
                                                          (State)

     Additional abbreviations may also be used though not in the above list.

     FOR VALUE RECEIVED, __________________________hereby sell, assign and
transfer unto

PLEASE INSERT SOCIAL SECURITY OR OTHER
       IDENTIFYING NUMBER OF ASSIGNEE

________________________________________________________________________________
  (PLEASE PRINT OR TYPEWRITE NAME AND ADDRESS, INCLUDING ZIP CODE, OF ASSIGNEE)

________________________________________________________________________________

________________________________________________________________________________

__________________________________________________________________________Shares
of the common stock represented by the within Certificate, and do hereby
irrevocably constitute and appoint ____________________________________________
______________________________Attorney to transfer the said stock on the books
of the within named Corporation with full power of substitution in the premises.

Dated
     --------------------

                                  X
                                   ---------------------------------------------

                                  X
                                   ---------------------------------------------
                                   THE SIGNATURE(S) TO THIS ASSIGNMENT MUST
                                   CORRESPOND WITH THE NAME(S) AS WRITTEN
                           NOTICE: UPON THE FACE OF THE CERTIFICATE IN EVERY
                                   PARTICULAR, WITHOUT ALTERATION OR
                                   ENLARGEMENT OR ANY CHANGE WHATEVER.

Signature(s) Guaranteed

By
  ----------------------------------------------
THE SIGNATURE(S) MUST BE GUARANTEED BY AN
ELIGIBLE GUARANTOR INSTITUTION (BANKS,
STOCKBROKERS, SAVINGS AND LOAN ASSOCIATIONS
AND CREDIT UNIONS WITH MEMBERSHIP IN AN APPROVED
SIGNATURE GUARANTEE MEDALLION PROGRAM),
PURSUANT TO SEC RULE 17Ad-15<Page>

                                                                   Exhibit 10.10

                          HOUSEHOLD INTERNATIONAL, INC.

                              CONSULTING AGREEMENT

     This CONSULTING AGREEMENT (herein "Agreement") is made this 14TH day of
NOVEMBER, 1994, by and between Household International, Inc. on behalf of
itself, its divisions and subsidiaries ("Household"), having its principal
office at 2700 Sanders Road, Prospect Heights, Illinois 60070 and KANBAY
RESOURCES, INC. ("Consultant") having its principal office at 6666 N. WESTERN
AVE., CHICAGO, IL 60645.

     WHEREAS, Household is desirous of obtaining the consulting services of
Consultant; and

     WHEREAS, Consultant provides consulting services and is willing to offer
such services to Household on the terms and conditions stated herein;

     NOW THEREFORE, in consideration of the promises, terms and conditions
herein and other good and valuable consideration, the receipt and sufficiency of
which are hereby acknowledged, Household and Consultant agree as follows:

     1.   SERVICES. Household agrees to purchase from Consultant and Consultant
agrees to perform during the term of this Agreement, the services described on
the Exhibit(s) attached hereto and incorporated herein by reference
("Services"). The Services are in connection with modification of software for
Household's data processing systems and subsystems for its various business
units requiring the professional and technical expertise of Consultant to assist
in these information systems projects. Such modifications shall be described in
the "SERVICE/TASK" section of the Exhibits. Each Exhibit will delineate the
Professional Services to be performed and any additional obligations of the
parties, the specific rates, cost estimates and schedules, as applicable. Each
Exhibit is subject to the terms and conditions of this Agreement, and may
incorporate such additional terms and conditions as HI and Consultant may agree
upon. Each Exhibit will constitute a separate, distinct and independent work
project and contractual obligation.

     a.   This Agreement contemplates the personal services of the individuals,
if any, named in the Exhibit (s) hereto and substitute performance shall be
unacceptable without Household's prior written consent.

     2.   WARRANTIES AND REPRESENTATIONS REGARDING SERVICES. Consultant hereby
represents and warrants the following regarding the Services to be performed
under this Agreement:

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          a. Consultant is adequately trained to perform the Services requested
     under this Agreement;

          b. Consultant will perform Services with reasonable diligence in a
     professional and workmanlike manner, consistent with generally accepted
     standards in the management information systems industry and in compliance
     with any and all applicable laws, rules and regulations.

          c. Consultant shall observe the business policies and procedures and
     security requirements of Household relating but not limited, to working
     conditions and business hours. In the event Household policies differ from
     those of Consultant, Household policies and procedures shall govern. Any
     exceptions to this requirement must be made by prior written request to
     Household and approved by an authorized representative of Household.

          d. Prior to the beginning of any person to perform Services under this
     Agreement, Household shall have the right to review the professional and
     technical qualifications and skills of each such person. Each such person
     must be approved by Household in advance of their beginning the performance
     of Services. Household in its sole and absolute discretion shall have the
     ability to terminate any person performing Services hereunder upon the
     giving of notice to Consultants, without penalty, for any reason. In the
     event Household shall request a replacement person, Consultant shall use
     its best efforts to provide a replacement within five (5) working days.
     Consultant will, during the term of this Agreement, maintain at
     Consultant's expense all necessary insurance for its employees, including
     but not limited to worker's compensation, disability, unemployment
     insurance and general liability insurance. Consultant will provide
     Household with certification of insurance upon request. Consultant will be
     responsible for and indemnify, defend and hold harmless Household from and
     against any and all liability for employment taxes, worker's compensation,
     disability, or unemployment compensation insurance, premiums or claims
     levied upon or attributable to the services rendered by Consultant and
     Consultant's employees, including but not limited to all state and federal
     FICA, worker's compensation, disability, unemployment, and withholding
     taxes, premiums and claims. Consultant will be responsible for and
     indemnify and hold harmless Household from any violation by Consultant of
     the provisions of Title 8 U.S.C. Section 1324a, including but not limited
     to costs and attorney's fees associated therewith.

          e. Consultant warrants that all materials produced under this
     Agreement will be of original development by Consultant. Neither this
     Agreement nor the tangible or intangible products produced as a result of
     it will infringe upon or violate any patent, copyright, trade secret or
     other proprietary right to any third party, and Consultant will defend,
     indemnify and hold Household harmless from and against

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     any loss, cost, liability or expense (including reasonable attorney fees)
     arising out of any breach, or claimed breach of this warranty.

          f. Consultant warrants that it will correct, without charge to
     Household any Consultant written program that fails to conform to or
     perform in accordance with the description of services on the Exhibit(s)
     attached hereto within one (1) year from the date of Household's written
     acceptance of the program. In the event that Consultant elects to use or
     incorporate in the products to be produced any components of a system
     already existing, Consultant will first notify Household, which, after
     whatever investigation Household may elect to make, may direct Consultant
     not to so use or incorporate any such components. If Household does not
     object, Consultant may use or incorporate such component at Consultant's
     expense after obtaining the written consent of the party owning the same,
     and furnishing a copy thereof to Household; in all events, such components
     shall be similarly warranted (except for originality) by Consultant and
     Consultant will arrange to transfer title to the perpetual license to use
     such components to Household for purposes of this Agreement and will
     indemnify and hold Household harmless as provided herein.

     Consultant warrants that it will not provide any software which contains a
     computer virus or introduce a computer virus to Household's environment.
     "Computer Virus" shall be defined as any set of computer instructions that
     are designed to modify, damage, destroy, record or transmit information
     within a computer, computer system, or computer network without the intent
     or permission of the owner of the information. They include, but are not
     limited to, a group of computer instructions commonly called viruses or
     worms, which are self replicating or self propagating and are designed to
     contaminate other computer programs or computer data, consume computer
     resources, modify, destroy, record or transmit data, or in some other
     fashion usurp the normal operation of the computer, computer system or
     computer network. If Household can establish that Consultant has introduced
     a Computer Virus to Household's environment, then Consultant shall
     indemnify Household against all loss or damages incurred as a result of
     such Computer Virus.

     3.   HOUSEHOLD OBLIGATIONS. Household will provide Consultant with office
space, furniture, furnishings and equipment necessary to perform the Services
hereunder, in the sole determination of Household. All such items are and
continue to remain the property of Household.

     4.   DEFINITIONS. The term "Household" shall include Household
International, Inc., a Delaware corporation and any and all of its subsidiaries
and affiliates who shall be entitled to the benefits of this Agreement. The term
"Consultant" shall include Consultant, its employees, agents or representatives.

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     5.   COMPENSATION. Household shall pay Consultant for the Services as
specified in the Exhibit(s) attached hereto and incorporated herein by
reference. Household shall reimburse Consultant for actual, reasonable
out-of-pocket expenses incurred by Consultant in the performance of Services,
provided such expenses have the prior written approval of the Household manager
assigned to Consultant or the specific project. Receipts are required. Within
ten (10) days after the end of each calendar month, Consultant shall submit to
Household an invoice covering all Services performed during the prior month and
all reimbursable expenses incurred in said month, with appropriate
documentation. Said invoices shall specify any persons working, the time worked,
billing rate and fees due, and such other pertinent information as Household may
request. Household shall pay such invoice within thirty (30) days following
receipt of the invoice.

     6.   RECORDS. Consultant shall keep complete and detailed records relating
to its performance of Services hereunder including records of time spent and
tasks performed. Consultant shall make such records available to Household at
Household's request at reasonable times and intervals in order to allow
Household to verify the correctness of invoices submitted by Consultant.

     7.   INDEPENDENT CONTRACTOR RELATIONSHIP. The relationship of Household and
Consultant is that of independent contractor only and is not employer-employee.
It is expressly understood and agreed that Consultant shall perform Services
under the control of Household as to the result of such Services only and not as
to the means by which such result is accomplished. Consultant shall not be
entitled to participate in programs or benefits of Household. Consultant is not
an agent of Household and has no authority whatsoever to bind Household by
representations, contract or agreement of any kind. Consultant agrees to use
reasonable care and judgment in rendering Services. Household assumes no
responsibility for and Consultant shall indemnify, defend and hold Household
harmless from any and all claims, damages, loss, or judgment of any kind for
bodily injury, property damages, violation of this Agreement which result from
Consultant's negligent or willful acts or omissions in the performance of
Services under this Agreement. Consultant assumes no responsibility for and
Household shall indemnify, defend and hold Consultant harmless from any and all
claims, damages, loss or judgment of any kind for bodily injury or property
damages, violations of this Agreement which result from Household's negligent or
willful acts or omissions relating to the Services performed under this
Agreement.

     8.   TERMS AND TERMINATION. The term of this Agreement shall be from
January 1, 1995 and remain in effect until December 31, 1995 unless otherwise
terminated as provided hereunder. The parties may agree to extend the term of
the Agreement upon the same terms and conditions, or upon such other terms and
conditions, as the parties mutually agree in a writing signed by the authorized
officers of each party. Failure to perform Services substantially in accordance
with the terms of

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this Agreement shall be a default. Upon such default, Household shall give
notice to Consultant, who shall have ten (10) days to correct such default. If
the default is not cured, Household may immediately terminate this Agreement,
without penalty. This Agreement shall be deemed terminated when no persons are
performing Services hereunder, unless otherwise agreed. Household may terminate
the Agreement on thirty (30) days prior written notice. Upon termination of this
Agreement, for any reason, Consultant's obligations under Sections 2(d), 2 (e),
9 and 10 shall survive.

     9. CONFIDENTIALITY. As used in this Section, "Confidential Information"
shall mean any technical or business information, process, system, experimental
work, program, software, or trade secrets relating to the products, systems,
equipment, services, sales, research or business of Household, or developed for
Household, including the results of any Services; all documents marked or
referred to as Confidential by Household; any of the foregoing received by
Household from a third party, or under an agreement of confidentiality and any
documents, plans, prints, tapes, disks and other material containing, evidencing
or duplicating any of the foregoing, and any inventions, improvements, ideas,
discoveries of a proprietary nature or with regard to the policies, procedures
or plans of Household. Consultant agrees to hold in strict confidence and not to
use or disclose to others (either before or after the termination of this
Agreement) any Confidential Information, without the prior written consent of
Household. All Confidential Information shall remain the property of Household.
Upon demand at any time, Consultant shall deliver to Household all copies of
Confidential Information which may be in Consusltant's possession or control.
Consultant shall not make any press release or other public disclosure with
respect to any Services without the prior written consent of Household.
Consultant further agrees and understands that in the event Consultant or any of
its administrators, trustors, trustees, beneficiaries, predecessors, successors,
subsidiaries, principals, agents, servants, employees and/or representatives,
including without limitation, their insurers, sureties and/or attorneys, breach
its duty of confidentiality under this Agreement, Household shall be entitled to
all remedies available at law or in equity, including but not limited to,
Household's right to recover from Consultant any and all damages and/or losses
incurred by Household as a result, direct or indirect from such breach of
confidentiality.

     10. RIGHTS OF WORK PRODUCT. All inventions, improvements, discoveries,
data, programs, written or electronically stored materials or ideas generated or
originated by Consultant or received by Household in the scope of performing
Services under this Agreement, are to be considered works made for hire as that
term is defined in Section 101 of the Copyright Act (17 U.S.C. Section 1010) and
shall be the sole and exclusive property of Household, without any further
consideration paid to Consultant. All rights of Consultant with respect thereto
to all patents, patent applications, designs and copyrights, trademarks,
tradenames and

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convention and ?ther priority rights relating thereto are hereby assigned to
Household. Consultant agrees to promptly disclose in writing all such rights and
give all reasonable assistance to enable Household to prepare and prosecute at
Household's expense any United States or foreign application for patents, design
or copyright registration that Household deems appropriate and execute all
appropriate documents and assignments for such. Household shall have the sole
right to determine the treatment of information received from Consultant,
including but not limited to the right to keep the same as a trade secret, to
use, disclose and publish the same without prior patent application or copyright
registration and to file the same in its own name or to follow any other
procedure which Household may deem appropriate.

     Consultant agrees that Household and any third party technical consultant
authorized by Household may utilize all suggestions and improvements, whether
written or oral, furnished by Consultant to Household in connection with this
Agreement, and Consultant grants Household an unrestricted, irrevocable and
royalty-free license to include the foregoing in software. Any such license
shall be subject to the provisions of CONFIDENTIALITY of this Agreement.

     To the extent that any material produced under this Agreement may not be
considered works made for hire, or to the extent that Paragraph (a) of this
Section is declared invalid either in substance or purpose, in whole or in part,
Consultant hereby agrees to irrevocably transfer, grant, convey, assign, and
relinquish exclusively to Household and all of the Consultant's right, title,
and interest, including ownership of copyright and/or patent rights, to any
material developed by Consultant under this Agreement without the necessity of
further consideration. All right, title, and interest of every kind of nature,
whether now known or unknown, in and to the copyrights, patents, ideas,
creations created, written and developed by either Consultant or Household in
the course of this project under and pursuant to this Agreement shall be the
exclusive property of Household for any and all purposes and uses, and
Consultant shall have no right, title, or interest of any kind or nature in or
to such material. As part of this Agreement, Consultant agrees to do all things
necessary to protect this assignment, including but not limited to executing an
irrevocable assignment of its copyright and/or patent interest in the materials
created and/or developed pursuant to this Agreement.

     Upon completion or other termination of this Agreement, Consultant shall
deliver to Household all copies of any and all developed materials related or
pertaining to this Agreement. Consultant shall have no right to disclose or use
any of such products or materials for any purpose whatsoever.

     Consultant warrants that all persons performing services hereunder are
employees of Consultant and the Services performed and work product thereof have
been prepared by employees within the scope of their employment or if not
employees, Consultant has received from such persons an assignment of copyright
covering all Services preformed hereunder so that any work product resulting

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from Services, all vest in and be sole property of Household.

     The obligations imposed by this Section 10 shall remain in effect
indefinitely and shall survive any termination of this Agreement.

     11.  EMPLOYMENT OF PERSONNEL. During the term of this Agreement and for one
(1) year thereafter; Consultant and Household (including subsidiaries and
affiliates of either party) shall not employee or offer employment to any
individual who is an employee of the other party, without the prior written
consent of the other party, which may be withheld for any reason.

     12.  INDEMNIFICATION. Consultant agrees to indemnify, defend, save and hold
Household harmless from and against any and all claims, loss, damages, expense,
liability or judgment (including reasonable attorneys' fees and costs) resulting
from Services performed under this Agreement including but not limited to
failure to hold any necessary license, permit or governmental authorization to
conduct business, for the violation of applicable law, rule and regulations, for
the violation of the representations of this Agreement and failure to hold
adequate insurance. Consultant may obtain insurance naming Household as an
additional insured.

     13.  ASSIGNMENT. This Agreement is for personal services and may not be
assigned or transferred by Consultant.

     14.  NOTICES. All notices or other communications required to be given
under this Agreement shall be in writing and shall be deemed to have been given
or made when personally delivered, when delivered by facsimile or express
courier or mailed to the parties at the address set forth below, postage
prepaid, unless a different address is designated:

          If to Consultant:   ELIZABETH H. CAPERTON
                              KANBAY RESOURCES, INC.
                              6666 N.WESTERN AVE.
                              CHICAGO, IL 60645

          If to Household:    Household International, Inc.
                              2700 Sanders Road
                              Prospect Heights, IL 60070
                              Attn: General Counsel

          With copy to:       Household Financial Network
                              650 Academy Drive
                              Northbrook, IL 60062
                              Attn: Contract Administrator

     15.  WAIVER. Failure of Household or Consultant to enforce rights hereunder
shall not be deemed a waiver.

     16.  GOVERNING LAW. This Agreement shall be governed by and construed in
accordance of the laws of the State of Illinois.

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     17.  AVDERTISING RESTRAINT. Consultant agrees that it will not use the
name, service marks, or trademarks of Household or of any of its affiliated
companies or reveal the existence of this Agreement or the terms or conditions
hereof in any written advertising, publicity release or sales representation,
other than disclosure required by any governmental laws or regulations, without
the express written consent of Household.

     18.  AUDIT. Household may provide access to the materials and/or work
product produced under this Agreement to any internal or external auditors or
examiners of Household or its affiliates, subsidiaries, or parent corporation.
In addition Consultant shall upon request and reasonable prior notice, provide
to Household, or internal or external auditors or examiners of Household, copies
of Consultant's books and records pertaining to the transactions contemplated
hereunder.

     19.  ENTIRE AGREEMENT. This Agreement constitutes the entire agreement and
understanding between Household and Consultant with respect to the Services to
be provided. This Agreement may not be modified, amended, or waived in any
manner except by a signed writing, executed by both parties. Should any
provision(s) be ruled invalid by applicable legal authority, such provisions
shall be to that extend deemed omitted and remaining terms of the Agreement
remain in full force and effect.

     IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
executed on this 14th day of November, 1993.

                                              HOUSEHOLD INTERNATIONAL, INC.

                                              By: /s/ David B. Barany
                                                 -------------------------------
                                              Name: DAVID B. BARANY
                                                 -------------------------------
                                                  Authorized Representative

                                              Consultant: Kanbay Resources, Inc.
                                                          ----------------------
                                              By: /s/ Elizabeth H. Caperton
                                                 -------------------------------
                                                           (Signature)

                                                  Elizabeth H. Caperton
                                              ----------------------------------
                                                         (Name - Printed)

                                              Title: VICE PRESIDENT
                                                     ---------------------------

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<Table>
<S>                                        <C>

------------------------------------------
For Internal Kanbay Purposes Only:                                        CA No.

S.O. No. ________________                               Statement of Work No. --

     New Client                             Household P.O. No. _________________

     Extension

     Correction

     Add-On Sale
------------------------------------------

</Table>

                                STATEMENT OF WORK
                                (PURCHASE ORDER)
                                       TO
                            MASTER SERVICES AGREEMENT

<Table>
<S>                                                         <C>

("KANBAY")                                                   ("HOUSEHOLD")
Kanbay Incorporated                                          Name:  Household International, Inc.
6400 Shafer Court, Suite 100                                 Address:
Rosemont, IL 60018
(847) 384-6100                                               Telephone Number:________________________________________

By:______________________________________________________    By:______________________________________________________
Print Name:______________________________________________    Print Name:______________________________________________
Title:___________________________________________________    Title:___________________________________________________
Date:____________________________________________________    Date:____________________________________________________

</Table>

By signing above, the parties agree to the terms and conditions of this
Statement of Work (a.k.a. Purchase Order) and to the terms and conditions of the
Consulting Agreement between Household, Inc. ("Household" or "HI") and Kanbay
Incorporated ("Kanbay"), effective _______, which by this reference is
incorporated herein.

1.       SERVICES -
         [List Services.]

         The Services will be provided by the Kanbay resources identified below
         on a ________________ basis, at the following rates:

         [List Rates.]

         All changes to the scope of the Services provided under this Statement
         of Work must be in writing and signed by authorized representatives of
         the parties. Upon Household's request, Kanbay shall provide a good
         faith estimate of any additional time or charges associated with any
         requested change.

2.       HOUSEHOLD'S RESPONSIBILITIES - Prior to and during the term of this
         Statement of Work, Household shall perform the following tasks:

         [List Household Responsibilities.]

<Page>

3.       ESTIMATED TIMETABLE FOR COMMENCEMENT AND COMPLETION OF SERVICES
         (INCLUDING PHASES, IF APPLICABLE) - Provided there are no changes to
         the project assumptions or the current plans as provided in Section 1,
         and the parties perform their respective responsibilities as provided
         herein, Kanbay currently estimates that the Services shall be completed
         approximately _____ after commencement of the Services, which is
         currently scheduled for _______________.

4.       CONDITIONS OF ACCEPTANCE (IF ANY) BY HOUSEHOLD - All Services provided
         hereunder will be deemed accepted by Household _______________ after
         performance thereof unless Household notifies Kanbay, in writing and
         with a written list of discrepancies, that the Services are
         non-compliant with the terms of the Statement of Work.  Household will
         promptly provide to Kanbay defect reports with documentation to support
         and assist in the correction process if any non-compliance is claimed
         by Household.  Household will also provide reasonable assistance in
         remedying the defect, including, without limit, providing additional
         computer runs to duplicate the conditions at the time of error and
         allowing access to code and data files (if applicable).  Kanbay will
         investigate and/or address any alleged non-compliance, and Household
         shall diligently review any fixes provided by Kanbay in response to
         Household's written list of non-compliant items.  Unless Household
         notifies Kanbay in writing that said items are still non-compliant,
         said fixes shall be deemed accepted by Household ________ after the
         delivery of a fix for any non-compliant item or _______ following
         Household's receipt of written notification from Kanbay stating that
         the non-compliant item(s) are compliant.

5.       LOCATION OF PERFORMANCE OF WORK - [List Location of Performance of
         Work.]

6.       FEES - Household shall pay Kanbay on a ______________ basis at the
         rates set forth in Section 1. The Services fees, as well as all
         expenses, shall be invoiced by Kanbay on a _______ basis for the
         immediately preceding invoice period. Each invoice shall be due and
         payable in _________ within _____ calendar days after receipt of such
         invoice.

7.       ASSUMPTIONS - Kanbay and Household have worked cooperatively to define
         the scope of this project. In defining the foregoing, the parties
         assumed that certain elements or assumptions would be in effect
         throughout the term of the Statement of Work. The parties agree that,
         to the best of their knowledge, all relevant assumptions have been set
         forth below:

         [List Assumptions.]

         Any changed, incorrect or additional elements or assumptions may result
         in an increased cost to both of the parties.

<Page>

                                STATEMENT OF WORK
                                                             SOW NO. ___________
                          ISSUED TO KANBAY INCORPORATED

         Pursuant to the Consulting Agreement (the "Agreement") between Kanbay
Incorporated ("Kanbay") and Household International, Inc. ("Household"),
containing an Effective Date of _______________, as extended by subsequent
agreements, (which Agreement is incorporated herein by this reference),
Household hereby orders from Kanbay the following:

1.       TERM.  The initial term of this Statement of Work shall be ____________
         commencing on ________ (the "Effective Date") and shall expire on the
         ____________, unless earlier terminated or extended in accordance with
         the Agreement, as modified herein.

2.       SERVICES.  [List Services]

3.       DEFINITIONS.  [List Definitions]

4.       SERVICES/FEES - FIRST YEAR.  [List Services/Fees]

5.       SERVICES/FEES - SUBSEQUENT YEARS.  [List Services/Fees]

6.       SPECIAL PROJECTS.  Kanbay and Household agree that the fees set forth
         herein shall not apply to Kanbay's performance of special projects
         requested by Household that: (i) are outside the scope of the Services;
         (ii) require Kanbay to provide personnel possessing special skills
         distinct from those skills generally possessed by Kanbay personnel
         providing the Services under this Agreement; or (iii) require an
         increase in the number of either Onsite or Offshore Kanbay personnel
         (collectively, "Special Projects").  Special Projects performed on a
         _____________________ basis will be paid on _____ rates which shall be
         agreed upon ________.  Household and Kanbay may also agree to perform
         Special Projects on a _________________________ basis.  Unless
         otherwise agreed by the parties, Household shall pay Kanbay for the
         performance of Special Projects on a _________________ basis.

7.       INVOICING.  Kanbay shall invoice Household on _________________________
         for the fees set forth above for: Services to be performed during that
         period; ________________________.

8.       PROJECT MANAGERS.
         (a) Kanbay shall assign a senior project manager (the "Kanbay Senior
         Client Engagement Manager") who shall, among other things,

                                      - 1 -

                                                       MASTER SERVICES AGREEMENT
                                                               STATEMENT OF WORK

<Page>

         [list responsibilities]. The Kanbay Senior Client Engagement Manager
         shall work with the Household Project Manager on a frequent and
         informal basis.

         (b) Household shall assign a project manager ("Household Project
         Manager") to assist the Kanbay Client Engagement Manager in connection
         with the delivery of the Services. The Household Project Manager shall
         [list responsibilities].

9.       STATUS REPORTS AND MEETINGS.  _______ following the Effective Date,
         and every _______ thereafter, Kanbay shall provide Household with a
         written report setting forth the number of hours utilized by
         Household for the preceding _______ (the "Utilization Report").  In
         addition to the Utilization Report, Kanbay shall deliver to Household
         on a _______ basis a written report ("Status Report") summarizing
         Household's utilization of Kanbay resources, personnel assignments,
         and the status of various projects.  Kanbay senior management and
         Household representatives shall hold meetings on a _______ basis to
         review the Status Report and Utilization Report, if applicable, and
         discuss ongoing performance and utilization issues, and planned or
         anticipated projects or changes.  If any Utilization Report or Status
         Report reveals excessive under- or over-utilization of Kanbay
         personnel, the parties will negotiate in good faith an appropriate
         adjustment to the schedule of Services to be performed, number of FTE's
         to be utilized, and/or fees to be paid Kanbay for the Services.

10.      Notwithstanding any terms in the Agreement to the contrary, this
         Statement of Work may be terminated by Household for its
         convenience ____________________________________________________.

11.      Kanbay shall not make any unauthorized disclosure of or use any
         personal information of individual consumers which it receives from the
         other party or on the other party's behalf other than to carry out the
         purposes for which such information is received, Kanbay shall comply,
         to the extent applicable, with the requirements of the implementing
         regulations of Title V of the Gramm-Leach Bliley Act of 1999.

12.      The parties hereto reaffirm the terms of Section 11 of the
         Agreement.

         This Statement of Work shall not be effective or binding on either
party until accepted and executed by both parties.

<Table>

<S>                                                         <C>

HOUSEHOLD INTERNATIONAL, INC.                                KANBAY INCORPORATED

By:______________________________________________________    By:______________________________________________________
Name:____________________________________________________    Name:____________________________________________________
Title:___________________________________________________    Title:___________________________________________________
Dated:___________________________________________________    Dated:___________________________________________________

</Table>

                                      - 2 -

                                                       MASTER SERVICES AGREEMENT
                                                               STATEMENT OF WORK

<Page>

                          ADDENDUM TO STATEMENT OF WORK

                          ISSUED TO KANBAY INCORPORATED

This Addendum amends and modifies a certain Statement of Work, with an Effective
Date of _______________ and having a _____________, by and between Kanbay
Incorporated ("Kanbay") and Household International, Inc. ("Household").

Unless otherwise defined herein, all capitalized terms shall have the meanings
ascribed to them in the Statement of Work.

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

Except as amended above, all terms and conditions of the Statement of Work shall
remain in full force and effect.

<Table>

<S>                                                         <C>

HOUSEHOLD INTERNATIONAL, INC.                                KANBAY INCORPORATED

By:______________________________________________________    By:______________________________________________________
Name:____________________________________________________    Name:____________________________________________________
Title:___________________________________________________    Title:___________________________________________________
Dated:___________________________________________________    Dated:___________________________________________________

</Table>

<Page>

<Table>

<S>                                          <C>
------------------------------------------
For Internal Kanbay Purposes Only:            MSA No.

S.O. No. ________________                           SOW No. ____________________

|_|  New Client                                   P.O. No. _____________________

|_|  Extension

|_|  Correction

|_|  Add-On Sale
------------------------------------------

</Table>

                                                 STATEMENT OF WORK
                                                        TO
                                             THE CONSULTING AGREEMENT

<Table>

<S>                                                         <C>

("KANBAY")                                                   (_____________)
Kanbay Europe Limited                                        Name:  _____________
Compass House, Vision Park, Histon                           Address:  _____________
Cambridge CB4 9AD                                            City, State Zip:  _____________
Telephone Number:    +44(0) 1223 257736                      Telephone Number:     _____________

By:_______________________________________________________   By:_______________________________________________________
Print Name:_______________________________________________   Print Name:_______________________________________________
Title:____________________________________________________   Title:____________________________________________________
Date:_____________________________________________________   Date:_____________________________________________________

</Table>

By signing above, the parties agree to the terms and conditions of this
Statement of Work (a.k.a. Purchase Order) and to the terms and conditions of
the Consulting Agreement between Household International, Inc. (as well as
its subsidiaries) and Kanbay Incorporated, dated November 14, 1994 (the
"Agreement), which by this reference is incorporated herein. For the
convenience of contracting, the parties to this Statement of Work hereby
acknowledge and agree to the terms and conditions of the Agreement, as
subject to the express terms and conditions of this Statement of Work, as if
each party to this Statement of Work executed the Agreement in the place of,
and without reference to, their respective affiliated companies.

1.       SERVICES -

         [List Services.]

         All changes to the scope of the Services provided under this Statement
         of Work must be in writing and approved by both parties.

2.       LOCATION OF PERFORMANCE OF WORK -

         [List Location of Performance of Work.]

3.       FEES -

         [List Fees.]

4.       Conditions of Acceptance (if any) by _____________ - All Services
         performed hereunder will be deemed accepted by _____________ after
         performance thereof unless ___________ notifies Kanbay in writing, and
         with a written list of discrepancies, that the Services are
         non-compliant with the terms of this Purchase Order.

<Page>

<Table>

<S>                                <C>                <C>

                                    STATEMENT OF WORK  _________________________

</Table>

This statement of Work references Consulting Agreement between Kanbay and
Household International, Inc. on behalf of its subsidiaries and affiliates.

<Table>
<Caption>

LAST NAME       FIRST NAME       MIDDLE NAME       VEN ID       START DATE       END DATE       VP       LOCATION       RATE
-----------------------------------------------------------------------------------------------------------------------------------

<S>             <C>

[List names]

</Table>

      CONSULTANTS WILL ONLY BE PAID FOR THE TIME PERIOD LISTED ON THIS FORM

Compensation will be based on the number of hours worked and renumerated on the
basis of an hourly rate or negotiated amount to be determined for each
individual assigned. No compensation is available for vacation, sick time,
personal business, holidays, or any other non-project related time.

                            SERVICES TO BE PERFORMED

Consultant agrees to exercise reasonable diligence to perform the following
services as required to complete the assigned task(s) in the agreed upon
schedule. Consultant will be working under the direction of Household
management.

<Table>

<S>                                              <C>

           KANBAY, INC.                                      HOUSEHOLD INTERNATIONAL, INC.

BY:        ___________________________________    BY: _________________________________________

SIGNATURE: ___________________________________    SIGNATURE: __________________________________

TITLE:     ___________________________________    TITLE: ______________________________________

DATE:      ___________________________________    DATE: _______________________________________

</Table>

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<Page>

Form Data for
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  Close         Edit       Delete

<Table>

<S>                                              <C>

FORM NAME:    ________________________________    SUBMITTED BY: ________________________________

LOG NUMBER:   ________________________________    STATUS:       ________________________________

DATE CREATED: ________________________________

</Table>

COMMENT HISTORY:

WORKFLOW HISTORY:

<Table>
<Caption>

Decision                Reviewer List           Date Submitted          Date Reviewed

<S>                    <C>                     <C>                     <C>

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

</Table>

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

<Table>
<Caption>

FIELD NAMES                 LABELS                         VALUES

<S>                        <C>                            <C>

[List field names]          [List labels]                  [List values]

</Table>

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

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