Document:

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                                                                    Exhibit 10.4

                 2000 NONEMPLOYEE DIRECTORS STOCK OPTION PLAN
                                      OF
                                  PAYMAP INC.

      1.  PURPOSES OF THE PLAN
          --------------------

          The purposes of the 2000 Nonemployee Directors Stock Option Plan of
Paymap Inc., a Delaware corporation, are: (a) to encourage Nonemployee Directors
to accept or continue their association with the Company; and (b) to increase
the interest of Nonemployee Directors in the Company's operations and increased
profits through participation in the growth in value of the Common Stock of the
Company.

      2.  DEFINITIONS
          -----------
          As used herein, the following definitions shall apply:

         (a)   "Administrator" shall mean the entity, either the Board or a
                -------------
committee appointed by the Board, responsible for administering this Plan, as
provided in Section 5.

         (b)   "Affiliate" shall mean a parent or subsidiary corporation as
                ---------
defined in the applicable provisions of the Code.

         (c)   "Annual Option" shall have the meaning set forth in Section 6(b).
                -------------

         (d)   "Board" shall mean the Board of Directors of the Company, as
                -----
constituted from time to time.

         (e)   "Code" shall mean the Internal Revenue Code of 1986, as amended.
                ----

         (f)   "Common Stock" shall mean the Common Stock of the Company.
                ------------

         (g)   "Company" shall mean Paymap Inc., a Delaware corporation.
                -------

         (h)   "Director Fee" shall mean the cash amount, if any, a Nonemployee
                ------------
Director shall be entitled to receive for serving as a director of the Company
in any fiscal year.

         (i)   "Fair Market Value" shall mean, as of the date in question, the
               -----------------
last transaction price quoted by the Nadsaq National Market System on the date
of grant; provided, however, that if the Common Stock is not traded on such
          --------  -------
market system or the
<PAGE>

foregoing shall otherwise be inappropriate, then the Fair Market Value shall be
determined by the Administrator in good faith at its sole discretion and on such
basis as it shall deem appropriate. Such determination shall be conclusive and
binding on all persons.

         (j)   "Initial Option" shall have the meaning set forth in Section
                --------------
6(a).

         (k)   "Nonemployee Director" shall mean any person who is a member of
                --------------------
the Board but is not an employee of the Company or any Parent or Subsidiary of
the Company and has not been an employee of the Company or any Parent or
Subsidiary of the Company at any time during the preceding 12 months.

         (l)   "Option" shall mean a stock option granted pursuant to this Plan.
                ------

         (m)   "Option Agreement" shall mean the written agreement described in
                ----------------
Section 6(c) evidencing the grant of an Option to a Nonemployee Director and
containing the terms, conditions and restrictions pertaining to such Option.(n)
"Option Shares" shall mean the Shares subject to an Option granted under this
Plan.

         (o)   "Optionee" shall mean a Nonemployee Director who holds an Option.
                --------

         (p)   "Parent" shall mean a "parent corporation," whether now or
                ------
hereafter existing, as defined in Section 424(e) of the Code.

         (q)   "Plan" shall mean this 2000 Nonemployee Directors Stock Option
                ----
Plan of Paymap Inc., as it may be amended from time to time.

         (r)   "Rule 16b-3" shall mean Rule 16b-3 promulgated by the Securities
                ----------
and Exchange Commission, or any successor rule thereto.

         (s)   "Section" unless the context clearly indicates otherwise, shall
                -------
refer to a Section of this Plan.

         (t)   "Share" shall mean a share of Common Stock, as adjusted in
                -----
accordance with Section 7(a).

        (u)    "Subsidiary" shall mean a "subsidiary corporation" of the
                ----------
Company, whether now or hereafter existing, within the meaning of Section 424(f)
of the Code, but only for so long as it is a "subsidiary corporation".

                                       2
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      3.  ELIGIBLE PERSONS
          ----------------
          Every person who at the date of grant of an Option is a Nonemployee
Director is eligible to receive Options under this Plan.

      4.  STOCK SUBJECT TO THIS PLAN
          --------------------------

          Subject to Section 7(a) of this Plan, the maximum aggregate number of
Shares which may be issued on exercise of Options granted pursuant to this Plan
is 275,000 Shares.  The Shares covered by the portion of any grant under the
Plan which expires unexercised shall become available again for grants under the
Plan.

      5.  ADMINISTRATION
          --------------
          (a) This Plan shall be administered by the Board, or by a committee
(the "Committee") of at least two Board members to which administration of the
Plan is delegated (in either case, the "Administrator"), in accordance with the
requirements of Rule 16b-3.

          (b) Subject to the other provisions of this Plan, the Administrator
shall have the authority, in its sole discretion: (i) to determine the Fair
Market Value of the Shares subject to Option; (ii) to interpret this Plan; (iii)
to prescribe, amend and rescind rules and regulations relating to this Plan;
(iv) to defer (with the consent of the Optionee) or accelerate the exercise date
of any Option; (v) to authorize any person to execute on behalf of the Company
any instrument evidencing the grant of an Option; and (vi) to make all other
determinations deemed necessary or advisable for the administration of this
Plan. The Administrator may delegate nondiscretionary administrative duties to
such employees of the Company as it deems proper.

          (c) All questions of interpretation, implementation and application of
this Plan shall be determined by the Administrator. Such determination shall be
final and binding on all persons.

      6.  GRANT OF OPTIONS
          ----------------
          (a)  Grant for Initial Election or Appointment to Board. Subject to
               --------------------------------------------------
the terms and conditions of this Plan, beginning at any time after the Company's
2000 Annual Stockholder's meeting if any person who is not an officer or
employee of the Company is first elected or appointed as a member of the Board
and is otherwise considered a "Nonemployee Director" as defined herein, then the
Company shall grant to such Nonemployee Director on such day an Option to
purchase 16,500 Shares ("Initial Option") at an exercise price equal to the Fair
Market Value of such Shares on the date of such Initial Option grant, subject to
the limitation of Section 7(i).

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          (b)  Grant for Re-election to Board. Subject to the terms and
               ------------------------------
conditions of this Plan, on the date of the first meeting of the Board
immediately following each annual meeting of stockholders of the Company
beginning with the Company's 2000 Annual Stockholders Meeting (even if held on
the same day as the meeting of stockholders) the Company shall grant to each
Nonemployee Director then in office for longer than six months, an Option to
purchase 5,500 shares (the "Annual Option") at an exercise price equal to the
Fair Market Value of such Shares.

          (c)  No Option shall be granted under this Plan after ten years from
the date of adoption of this Plan by the Board. Each Option shall be evidenced
by a written Option Agreement, in form and substance satisfactory to the
Company, executed by the Company and the Optionee. Failure by the Company, the
Nonemployee Director, or both to execute an Option Agreement shall not
invalidate the granting of an Option; however, the Option may not be exercised
until the Option Agreement has been executed by both parties.

      7.  TERMS AND CONDITIONS OF OPTIONS
          -------------------------------
          Each Option granted under this Plan shall be subject to the terms
and conditions set forth in this Section 7.

          (a)  Changes in Capital Structure.  Subject to subsection 7(b), if the
Common Stock is changed by reason of a stock split, reverse stock split, stock
dividend, or recapitalization, or converted into or exchanged for other
securities as a result of a merger, consolidation, or reorganization,
appropriate adjustments shall be made in:  (i) the number and class of shares of
Common Stock subject to this Plan and each Option outstanding under this Plan;
and (ii) the exercise price of each outstanding Option; provided, however, that
                                                        --------  -------
the Company shall not be required to issue fractional shares as a result of any
such adjustment.  Each such adjustment shall be subject to approval by the
Administrator in its sole discretion.

          (b)  Corporate Transactions.  In the event of a merger, consolidation,
               ----------------------
reorganization, similar transaction or series of related transactions in which
the holders of the Company's outstanding shares immediately before such
transaction or series of transactions do not, immediately after such transaction
or series of transactions, retain stock representing a majority of the voting
power of the surviving entity or in the event of a sale of all or substantially
all of the assets of the Company, all outstanding Options shall become vested,
and any right of repurchase shall lapse, immediately prior to the consummation
of such transaction, and each Option shall thereafter remain exercisable for a
period of thirty days from the consummation of such transaction.

                                       4
<PAGE>

          (c)  Time of Option Exercise.  Subject to the other provisions of this
               -----------------------
Plan, each Option shall be for a term of ten years.  Each Option shall be
exercisable in full on the date of grant.  At the discretion of the
Administrator, the Company shall have a right of repurchase of Option Shares.
The Administrator shall have the discretion to specify the times at which such
right of repurchase shall lapse; provided, however, that the right of repurchase
                                 --------  -------
must lapse at the rate of at least 25% per year over four years from the date
the option was granted.

          (d)  Limitation on Other Grants.  The Administrator shall have no
               --------------------------
discretion to grant Options under this Plan other than as set forth in Sections
6(a) and 6(b).

          (e)  Nonassignability of Option Rights.  No Option shall be assignable
               ---------------------------------
or otherwise transferable by the Optionee, except by will or the laws of descent
and distribution.  During the life of an Optionee, an Option shall be
exercisable only by the Optionee.

          (f)  Payment.  Except as provided below, payment in full, in cash,
               -------
shall be made for all Option Shares purchased at the time written notice of
exercise of an Option is given to the Company, and proceeds of any payment shall
constitute general funds of the Company.  Payment may also be made pursuant to a
cashless exercise/sale procedure.  At the time an Option is granted or
exercised, the Administrator, in its absolute discretion, may authorize any one
or more of the following additional methods of payment:  (i) acceptance of the
Optionee's full recourse promissory note for all or part of the Option price,
less any par value per share, which must be paid in cash, payable on such terms
and bearing such interest rate as determined by the Administrator (but in no
event less than the minimum interest rate specified under the Code at which no
additional interest on debt instruments of such type would be imputed), which
promissory note may be either secured or unsecured in such manner as the
Administrator shall approve (including, without limitation, by a security
interest in the Shares); (ii) delivery by the Optionee of Common Stock already
owned by the Optionee for all or part of the Option price, provided the Fair
Market Value of such Common Stock is equal on the date of exercise to the Option
price, or such portion thereof as the Optionee is authorized to pay by delivery
of such stock; provided, however, that if an Optionee has exercised any portion
               --------  -------
of any Option granted by the Company by delivery of Common Stock, the Optionee
may not, within six months following such exercise, exercise any Option granted
under this Plan by delivery of Common Stock; and (iii) any other consideration
and method of payment to the extent permitted under the Delaware General
Corporation Law.

          (f) Termination as Director.  Unless determined otherwise by the
              -----------------------
Administrator in its absolute discretion, to the extent not already expired or
exercised, an

                                       5
<PAGE>

Option shall terminate at the earlier of: (i) the expiration of the term of the
Option; or (ii) three months after the last day served by the Optionee as a
director of the Company; provided, that an Option shall be exercisable after the
                         --------
date of termination of service as a director only to the extent exercisable on
the date of termination; and provided further, that if termination of service as
                             ----------------
a director is due to the Optionee's death or "disability" (as determined in
accordance with Section 22(e)(3) of the Code), the Optionee, or the Optionee's
personal representative (or any other person who acquires the Option from the
Optionee by will or the applicable laws of descent and distribution), may at any
time within 12 months after the termination of service as a director (or such
lesser period as is specified in the Option Agreement but in no event after the
expiration of the term of the Option), exercise the rights to the extent they
were exercisable on the date of the termination.

          (g)  Withholding and Employment Taxes.  At the time of exercise of an
               --------------------------------
Option (or at such later time(s) as the Administrator may prescribe), the
Optionee shall remit to the Company in cash all applicable federal and state
withholding and employment taxes.  If authorized by the Administrator in its
sole discretion, an Optionee shall be permitted to elect, by means of a form of
election to be prescribed by the Administrator, to have shares of Common Stock
which are acquired upon exercise of the Option withheld by the Company or to
tender to the Company other shares of Common Stock or other securities of the
Company owned by the Optionee on the date of determination of the amount of tax
to be withheld as a result of the exercise of such Option (the "Tax Date") to
pay the amount of withholding taxes due.  Any securities so withheld or tendered
shall be valued by the Company as of the Tax Date.

          (h)  Option Term.  Each Option shall expire ten years after the date
               -----------
of grant.

          (i)  Exercise Price. The exercise price of any Option granted to any
               --------------
person who owns, directly or by attribution under the Code currently Section
424(d), stock possessing more than ten percent of the total combined voting
power of all classes of stock of the Company or of any Affiliate (a "Ten Percent
Stockholder") shall in no event be less than 110% of the fair market value
(determined in accordance with 2(i) of the stock covered by the Option at the
time the Option is granted.

      8.  MANNER OF EXERCISE
          ------------------
          (a) An Optionee wishing to exercise an Option shall give written
notice to the Company at its principal executive office, to the attention of the
officer of the Company designated by the Administrator, accompanied by payment
of the exercise price as provided in Section 7(e) and, if required, by payment
of any federal or state withholding or employment taxes required to be withheld
due to exercise of the Option.

                                       6
<PAGE>

The date the Company receives written notice of an exercise accompanied by
payment of the exercise price and any required federal or state withholding or
employment taxes will be considered as the date such Option was exercised.
Unless otherwise provided by the Administrator, Options may be exercised only
twice in any calendar year.

          (b)  Promptly after the date an Option is exercised, the Company
shall, without stock issue or transfer taxes to the optionee or other person
entitled to exercise the Option, deliver to the Optionee or such other person a
certificate or certificates for the requisite number of shares of Common Stock.
An Optionee or transferee of an Optionee shall not have any privileges as a
stockholder with respect to any Common Stock covered by the Option until the
date of issuance of a stock certificate.

      9.  NO RIGHT TO DIRECTORSHIP
          ------------------------

          Neither this Plan nor any Option shall confer upon any Optionee any
right with respect to continuation of the Optionee's membership on the Board or
shall interfere in any way with provisions in the Company's Certificate of
Incorporation, as amended, and Bylaws, as amended, relating to the election,
appointment, terms of office, and removal of members of the Board.

      10.  LEGAL REQUIREMENTS
           ------------------

          The Company shall not be obligated to offer or sell any Shares upon
exercise of any Option unless the Shares are at that time effectively registered
or exempt from registration under the federal securities laws and the offer and
sale of the Shares are otherwise in compliance with all applicable securities
laws and the regulations of any stock exchange on which the Company's securities
may then be listed.  The Company shall have no obligation to register the Shares
covered by this Plan under the federal securities laws or take any other steps
as may be necessary to enable the Shares covered by this Plan to be offered and
sold under federal or other securities laws.  Upon exercising all or any portion
of an Option, an Optionee may be required to furnish representations or
undertakings deemed appropriate by the Company to enable the offer and sale of
the Shares or subsequent transfers of any interest in the Shares to comply with
applicable securities laws.  Certificates evidencing Shares acquired upon
exercise of Options shall bear any legend required by, or useful for purposes of
compliance with, applicable securities laws, this Plan or the Option Agreements.

      11.  AMENDMENTS TO PLAN
           ------------------

          The Board may amend this Plan at any time.  Without the consent of an
optionee, no amendment may adversely affect outstanding Options.  No amendment
shall require stockholder approval unless:

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<PAGE>

          (a)  stockholder approval is required to meet the exemptions provided
by Rule 16b-3, or any successor rule thereto or under applicable state statutes;
or
          (b)  the Board otherwise concludes that stockholder approval is
advisable.

      12.  STOCKHOLDER APPROVAL; TERM
           --------------------------

          This Plan shall become effective upon adoption by the Board of
Directors; provided, however, that no Option shall be exercisable unless and
           --------  -------
until written consent of holders of a majority of the outstanding shares of
capital stock of the Company, or approval by holders of a majority of shares of
capital stock of the Company present, or represented, and entitled to vote at a
validly called stockholders' meeting (or such greater number as may be required
by law or applicable governmental regulations or orders) is obtained within 12
months after adoption by the Board.  This Plan shall terminate ten years after
adoption by the Board unless terminated earlier by the Board.  The Board may
terminate this Plan at any time without stockholder approval.  No Options shall
be granted after termination of this Plan, but termination shall not affect
rights and obligations under then-outstanding Options.

Adopted by the Board of Directors:   February 10, 2000

Approved by the Stockholders:  _____________, 2000<PAGE>

                                                                    EXHIBIT 10.5

                           INDEMNIFICATION AGREEMENT

     THIS INDEMNIFICATION AGREEMENT (the "Agreement") is effective as of the
____ day of _________, 2000, by and between Paymap Inc., a Delaware corporation
(the "Company"), and ___________________, an individual ("Indemnitee").

                                  BACKGROUND

     A.  Indemnitee is a member of the Board of Directors or is an executive
officer of the Company and, in that capacity, performs a valuable service for
the Company. For a variety of reasons, including the frequency, magnitude and
often baseless nature of claims and actions brought against corporate directors
and officers generally, it is difficult for corporations to attract and retain
highly competent persons as directors and officers. In addition, there exists
uncertainty, both as to matters of "substance" and "procedure," about the
protection against such claims provided by statutory, charter and bylaw
provisions and through "director and officer" insurance.

     B.  The Company's Bylaws also provide for indemnification of, and
advancement of expenses to, the directors and officers of the Company to the
maximum extent authorized by the Delaware General Corporation Law, as amended
(the "DGCL"), and, together with the DGCL, permits, by its nonexclusive nature,
the establishment of indemnification agreements between the Company and its
directors and officers.

     C.  In order to induce Indemnitee to continue to serve as a member of the
Board of Directors or as an executive officer and to clarify the specific
procedure for addressing indemnification matters if and as they arise, the
Company and the Indemnitee hereby agree to contractual indemnification
arrangements on the terms set forth in this Agreement.

     THE PARTIES AGREE AS FOLLOWS:

     1.  Definitions. For purposes of this Agreement, the following terms have
         -----------
the following meanings:

               a.  "Agent" means any person (i) who is or was a director,
officer, employee or other agent of the Company or (ii) who is or was serving at
the request of the Company, or otherwise as a result of that person's
relationship with the Company, as a director, officer, employee or other agent
of another foreign or domestic corporation or of any partnership, joint venture,
trust or other enterprise (including, without limitation, service with respect
to employee benefit plans).

               b.  "Change in Control" shall be deemed to have occurred if (i)
any "person" (as such term is used in Sections 13(d) and 14(d) of the Securities
Exchange Act of 1934, as amended), other than a trustee or other fiduciary
holding securities under an employee benefit plan of the Company or a
corporation owned directly or indirectly by
<PAGE>

the stockholders of the Company in substantially the same proportions as their
ownership of stock of the Company, becomes the "beneficial owner" (as defined in
Rule 13d-3 under said Act), directly or indirectly, of securities of the Company
representing 20% or more of the total voting power represented by the Company's
then outstanding Voting Securities, or (ii) during any period of two consecutive
years, individuals who at the beginning of such period constitute the Board of
Directors of the Company and any new director whose election by the Board of
Directors or nomination for election by the Company's stockholders was approved
by a vote of at least two-thirds (2/3) of the directors then still in office who
either were directors at the beginning of the period or whose election or
nomination for election was previously so approved, cease for any reason to
constitute a majority thereof, or (iii) the stockholders of the Company approve
a merger or consolidation of the Company with any other corporation, other than
a merger or consolidation which would result in the Voting Securities of the
Company outstanding immediately prior thereto continuing to represent (either by
remaining outstanding or by being converted into Voting Securities of the
surviving entity) at least 80% of the total voting power represented by the
Voting Securities of the Company or such surviving entity outstanding
immediately after such merger or consolidation, or the stockholders of the
Company approve a plan of complete liquidation of the Company or an agreement
for the sale or disposition by the Company (in one transaction or a series of
transactions) of all or substantially all of the Company's assets.

               c.  "Disinterested Director" means a director of the Company who
neither is nor was a party to the Proceeding in respect of which indemnification
is sought under this Agreement or otherwise.

               d.  "Expenses" includes any and all direct and indirect costs
(including, without limitation, attorneys' fees and disbursements, court costs,
fees and expenses of witnesses, experts, professional advisers and private
investigators, arbitration expenses, costs of attachment, appeal or similar
bonds, travel expenses, duplicating, printing and binding costs, telephone
charges, postage, delivery service fees, and any and all other disbursements or
out-of-pocket expenses) actually and reasonably incurred by or on behalf of
Indemnitee in connection with either (i) the investigation, defense, settlement
or appeal of, or being a witness or participant in, a Proceeding (including
preparing for any of the foregoing) or (ii) the establishment or enforcement of
any right to indemnification under this Agreement or otherwise or any right to
recovery under any liability insurance policy maintained by the Company;
provided, however, that "Expenses" shall not include any judgments, fines or
amounts paid in settlement.

               e.  "Independent Counsel" means a law firm or attorney that
neither is presently nor in the past two years has been retained to represent:
(i) the Company or Indemnitee in any matter material to the Company or
Indemnitee, or (ii) any other party to the Proceeding in respect of which
indemnification is sought under this Agreement or otherwise. In addition, the
term "Independent Counsel" does not include any law firm or attorney who, under
the applicable standards of professional conduct then

                                      -2-
<PAGE>

prevailing, would have a conflict of interest in representing either the Company
or Indemnitee in an action to determine Indemnitee's right to indemnification
under this Agreement or otherwise.

               f.  "Liabilities" means liabilities and losses of any type
whatsoever, including, without limitation, judgments, fines, excise taxes and
penalties (including, without limitation, ERISA excise taxes and penalties) and
amounts paid in settlement (including all interest, assessments and other
charges paid or payable in connection with or in respect of such liabilities and
losses), actually incurred by Indemnitee in connection with or as a result of a
Proceeding.

               g.  "Potential Change in Control" shall be deemed to have
occurred if

               (i) the Company enters into an agreement, the consummation of
which would result in the occurrence of a Change in Control; (ii) any person
(including the Company) publicly announces an intention to take or to consider
taking actions which, if consummated, would constitute a Change in Control;
(iii) any person, other than a trustee or other fiduciary holding securities
under an employee benefit plan of the Company or a corporation owned, directly
or indirectly, by the stockholders of the Company in substantially the same
proportions as their ownership of stock of the Company, who is or becomes the
beneficial owner, directly or indirectly, of securities of the Company
representing 9.5% or more of the combined voting power of the Company's then
outstanding Voting Securities, increases such person's beneficial ownership of
such securities by five percentage points or more over the initial percentage of
such securities equal to or exceeding 9.5% so owned by such person; or (iv) the
Board of Directors of the Company adopts a resolution to the effect that, for
purposes of this Agreement, a Potential Change in Control has occurred.

               h.  "Proceeding" means any threatened, pending or completed
action, suit or proceeding (including any inquiry, hearing, arbitration
proceeding or alternative dispute resolution mechanism), whether civil,
criminal, administrative or investigative (including any action by or in the
right of the Company), to which Indemnitee is or was a party, witness or other
participant, or is threatened to be made a party, witness or other participant,
by reason of the fact that Indemnitee is or was an Agent, or by reason of
anything done or not done by Indemnitee in that capacity or in any other
capacity while serving as an Agent, whether before or after the date of this
Agreement. "Proceeding" shall not include any Proceeding initiated by Indemnitee
(other than as contemplated by Sections 3(d) or 6 of this Agreement) unless such
Proceeding was authorized or consented to by the Board of Directors of the
Company.

               i.  "Voting Securities" means any securities of the Company which
vote generally in the election of directors.

                                      -3-
<PAGE>

     2.  Agreement to Indemnify. Subject to the terms and conditions of, and in
         ----------------------
accordance with the procedures set forth in, this Agreement, the Company shall
hold Indemnitee harmless and indemnify Indemnitee (and Indemnitee's spouse as
provided below), to the fullest extent permitted by the provisions of the DGCL
and other applicable law, from and against all Expenses and Liabilities,
including, without limitation, Expenses and Liabilities arising from any
Proceeding brought by or in the right of the Company or its stockholders.  The
Company and Indemnitee intend that this Agreement provide for indemnification in
excess of that expressly required, granted or permitted by statute, including,
without limitation, any indemnification provided by the Company's Certificate of
Incorporation or Bylaws, or by vote of its stockholders or directors, or by
applicable law.  If, after the date hereof, the DGCL or any other applicable law
is amended to permit or authorize indemnification of, or advancement of defense
expenses to, Indemnitee to a greater extent than is permitted on the date
hereof, references in this Agreement to the DGCL or any other applicable law
shall be deemed to refer to the DGCL or such applicable law as so amended.

     3.  Procedural Matters.
         ------------------

         a.    Initial Request. Whenever Indemnitee believes that, in a specific
case, Indemnitee is then entitled to indemnification under this Agreement or
under the Company's Certificate of Incorporation or Bylaws, the DGCL or
otherwise, Indemnitee shall submit a written notice to the Company requesting an
authorization and determination by the Company to that effect. The notice shall
describe the matter giving rise to the request and be accompanied by all
appropriate supporting documentation reasonably available to Indemnitee.

          b.  Determination and Payment. The Company shall make a determination
about Indemnitee's entitlement to indemnification in the specific case no later
than 90 days after receipt of Indemnitee's request. In making that
determination, the person or persons making the determination shall presume that
Indemnitee met any applicable standard of conduct required for indemnification,
unless the Company shall have affirmatively shown by clear and convincing
evidence that Indemnitee did not meet that standard. The determination shall be
made by the Board of Directors by a majority vote of a quorum consisting of
Disinterested Directors. If such a quorum is not obtainable, or, even if
obtainable, a quorum of Disinterested Directors so directs, the determination
shall be made by Independent Counsel in a written opinion obtained at the
Company's expense. Notwithstanding the foregoing, if there has been a Change in
Control (other than a Change in Control which has been approved by a majority of
the Company's Board of Directors who were directors immediately prior to such
Change in Control), the determination shall be made by Independent Counsel in a
written opinion obtained at the Company's expense. If the person or persons
empowered to make the determination either: (i) affirmatively makes a
determination of Indemnitee's entitlement to indemnification or (ii) fails to
make any determination at all within the 90-day period, indemnification shall be
considered as authorized and proper in the circumstances, and

                                      -4-
<PAGE>

Indemnitee shall be absolutely entitled to such indemnification, and shall
receive payment as promptly as practicable, in the absence of any
misrepresentation of a material fact by Indemnitee in the request for
indemnification, or a specific determination by a court of competent
jurisdiction that all or any part of such indemnification is prohibited by
applicable law. If the person or persons empowered to make the determination
find that the Indemnitee is not entitled to indemnification, the Indemnitee
shall have the right to apply to a court of competent jurisdiction for the
purpose of enforcing Indemnitee's right to indemnification pursuant to this
Agreement. The termination of any Proceeding by judgment, order, settlement,
arbitration award, conviction or upon a plea of nolo contendere or its
equivalent shall not, of itself, create a presumption that Indemnitee did not
act in good faith and in a manner which Indemnitee reasonably believed to be in
or not opposed to the best interests of the Company, or that, with respect to
any criminal Proceeding, Indemnitee had reasonable cause to believe Indemnitee's
conduct was unlawful.

          c.  Advancement of Expenses. If so requested in a writing by
Indemnitee accompanied by appropriate supporting documentation, the Company
shall, within ten days after receipt of the request, advance funds for the
payment of Expenses, whether that request is made before or after the final
disposition of a Proceeding (including, without limitation, any criminal
Proceeding or any Proceeding brought by or in the right of the Company or its
stockholders), unless there has been a final determination that Indemnitee is
not entitled to indemnification for those Expenses. If required by law at the
time of the advance, the payment of the advance shall be conditioned upon the
receipt from Indemnitee of an undertaking (which need not be secured) to repay
the advance to the extent that it is ultimately determined that Indemnitee is
not entitled to such indemnification by the Company. Any dispute concerning the
advancement of Expenses may, at the election of the Indemnitee, be resolved by
arbitration before an arbitrator selected by Indemnitee and approved by the
Company. If the parties cannot agree on a single arbitrator, then the claim
shall be heard by a panel of three arbitrators, with one selected by Indemnitee,
one selected by the Company and one selected jointly by the foregoing two
arbitrators. Each of the arbitrators shall be a litigation or corporate attorney
with experience in the field of officer and director indemnification. The
arbitrators shall be selected within (15) days after demand for arbitration and
shall render a decision within (45) days after selection, unless good cause is
shown for requiring a longer decision period. The Company shall act in utmost
good faith to provide timely information to the arbitrators and to insure
Indemnitee a full opportunity to defend against the Company's claim that
Indemnitee is not entitled to an advance of Expenses. The Company shall
indemnify Indemnitee against all Expenses incurred by Indemnitee under the
dispute resolutions proceedings set forth in this Subsection 3(c), unless a
court of competent jurisdiction finds that each of the claims and/or defenses by
Indemnitee in the action or proceeding for which an advance is sought was
frivolous or made in bad faith.

                                      -5-
<PAGE>

          d.  Enforcement. If Indemnitee has not received a determination of
entitlement to indemnification or an advance, as the case may be, within the
applicable time periods for such actions specified in this Agreement, or if it
has been determined that Indemnitee substantively would not be permitted to be
indemnified in whole or in part under applicable law, Indemnitee shall be
entitled to commence an action in any court of competent jurisdiction (including
the court in which the Proceeding (as to which Indemnitee seeks indemnification)
is or was pending) (i) in the former case, seeking enforcement of Indemnitee's
rights under this Agreement or otherwise, or seeking an initial determination by
the court, or (ii) in the latter case, challenging any such determination or any
aspect thereof, including the legal or factual bases therefor. The Company
hereby consents to service of process and to appear generally in any such
proceeding. It shall be a defense to any such action that applicable law does
not permit the Company to indemnify Indemnitee for the amount claimed. In any
such action, the Company shall have the burden of proving that indemnification
or advances are not proper in the circumstances of the specific case. Neither
the failure of the Company to have made a determination prior to the
commencement of such action that indemnification is proper under the
circumstances because Indemnitee has met the standard of conduct under
applicable law, nor an actual determination by the Company that Indemnitee has
not met such standard of conduct, shall be a defense to the action or create a
presumption that Indemnitee has not met that standard of conduct. The Company
shall indemnify Indemnitee for Expenses incurred by Indemnitee in connection
with the successful establishment or enforcement, in whole or in part, by
Indemnitee of Indemnitee's right to indemnification or advances.

          e.  Notice by Indemnitee and Defense of Proceedings. Indemnitee shall
promptly notify the Company in writing upon being served with any summons,
citation, subpoena, complaint, indictment, information or other document
relating to any matter which may give rise to a claim for indemnification under
this Agreement or otherwise; provided, however, that a failure of Indemnitee to
provide that notice shall relieve the Company from liability only if and to the
extent that the failure materially prejudices the Company's ability to
adequately defend Indemnitee in the Proceeding. With respect to any Proceeding
as to which Indemnitee so notifies the Company:

              i.  The Company shall be entitled to participate at its own
expense.

              ii. Except as otherwise provided below, the Company, jointly with
any other indemnifying party similarly notified, shall be entitled to assume the
defense of such Proceeding, with counsel reasonably satisfactory to Indemnitee.
After notice from the Company to Indemnitee of the Company's election to assume
the defense, the Company shall not be liable to Indemnitee under this Agreement
for any Expenses subsequently incurred by Indemnitee, other than as provided
below. Indemnitee shall have the right to employ Indemnitee's own counsel in
that Proceeding, but the fees and expenses of such

                                      -6-
<PAGE>

counsel incurred after notice from the Company of its election so to assume the
defense shall be borne by Indemnitee, except to the extent that (x) the
employment of counsel by Indemnitee has been authorized by the Company, (y)
Indemnitee has reasonably concluded that there may be a conflict of interest
between the Company and Indemnitee in the conduct of the defense of such
Proceeding or that counsel selected by the Company may not be adequately
representing Indemnitee, or (z) the Company has not in fact employed counsel to
assume the defense of such Proceeding. In those cases, the fees and expenses of
Indemnitee's own counsel shall be paid by the Company.

               iii. Neither the Company nor Indemnitee shall unreasonably
withhold its or his or her consent to any proposed settlement. The Company has
no obligation to indemnify and hold Indemnitee harmless under this Agreement for
any amounts paid in settlement of any Proceeding effected without its written
consent. The Company shall not settle any Proceeding in any manner which would
impose any penalty or limitation on Indemnitee without Indemnitee's written
consent.

          f.   Change in Control. If there is a Change in Control (other than a
Change in Control which has been approved by a majority of the Company's Board
of Directors who were directors immediately prior to such Change in Control),
then with respect to all matters thereafter arising concerning the rights of
Indemnitee to indemnification and advances under this Agreement or otherwise,
the Company shall seek legal advice only from Independent Counsel selected by
Indemnitee and approved by the Company, which approval shall not be unreasonably
withheld. Such Independent Counsel, among other things, shall render its written
opinion to the Company and Indemnitee as to whether and to what extent
Indemnitee would be permitted to be indemnified under applicable law. The
Company shall pay the reasonable fees and expenses of such Independent Counsel.

     4.   Nonexclusivity.  The indemnification provided by this Agreement is not
          --------------
exclusive of or inconsistent with any rights to which Indemnitee may be entitled
under the Company's Certificate of Incorporation or Bylaws, any other agreement,
any vote of stockholders or directors, the DGCL, or otherwise, both as to action
in Indemnitee's official capacity and otherwise.  If and to the extent that a
change in the DGCL (whether by statute or judicial decision) permits greater
indemnification by agreement than would be afforded currently under the
Company's Certificate of Incorporation or Bylaws or under this Agreement, it is
the intent of the parties hereto that Indemnitee shall enjoy by this Agreement
the greater benefits so afforded by such change.

     5.  Partial Indemnification. If Indemnitee is entitled to indemnification
         -----------------------
by the Company for some or a portion of Expenses or Liabilities but not for the
total amount, the Company shall nevertheless indemnify Indemnitee for the
portion of such Expenses and Liabilities to which Indemnitee is entitled to be
indemnified. Moreover,

                                      -7-
<PAGE>

notwithstanding any other provision of this Agreement, to the extent that
Indemnitee has been successful on the merits or otherwise in defense of any
Proceeding or in defense of any claim, issue or matter therein, including
dismissal without prejudice, Indemnitee shall be indemnified against all
Expenses incurred by Indemnitee in connection therewith.

     6.  Liability Insurance.  To the extent the Company maintains an insurance
         -------------------
policy or policies providing directors' and officers' liability insurance,
Indemnitee shall be covered by such policy or policies, in accordance with its
or their terms, to the maximum extent of the coverage available for any Company
director or officer, as the case may be.  If Indemnitee serves as a fiduciary of
any employee benefit plan of the Company or any of its subsidiary or affiliated
corporations, then to the extent that the Company maintains an insurance policy
or policies providing fiduciaries' liability insurance, Indemnitee shall be
covered by such policy or policies in accordance with its or their terms, to the
maximum extent of the coverage available for any fiduciary.  In the event of a
Potential Change in Control, the Company shall maintain in force any and all
insurance policies then maintained by the Company providing directors' and
officers' liability insurance or fiduciaries' liability insurance, in respect of
Indemnitee, for a period of six years thereafter.  Upon notice to the Company,
either from Indemnitee or from any other source, of the commencement or threat
of commencement of any Proceeding or matter which may give rise to a claim for
indemnification of Indemnitee and which may be covered by any insurance policy
maintained by the Company, the Company shall promptly give notice to the insurer
in accordance with the procedures prescribed by such policy and shall thereafter
take all necessary or appropriate action to cause such insurer to pay, to or on
behalf of Indemnitee all Liabilities and Expenses payable under such policy with
respect to such Proceeding or matter.  The Company shall indemnify Indemnitee
for Expenses incurred by Indemnitee in connection with any successful action
brought by Indemnitee for recovery under any insurance policy referred to in
this Section 6 and shall advance to Indemnitee the Expenses of such action in
the manner provided in Section 3(c) above.

     7.  Other Sources. Indemnitee shall not be required to exercise any rights
         -------------
Indemnitee may have against any other parties (for example, under an insurance
policy purchased by Indemnitee, the Company or any other person or entity)
before Indemnitee exercises or enforces Indemnitee's rights under this
Agreement.  However, to the extent the Company actually indemnifies Indemnitee
or advances Indemnitee funds in respect of Expenses, the Company shall be
entitled to enforce any such rights which Indemnitee may have against third
parties.  Indemnitee shall assist the Company in enforcing those rights if it
pays Indemnitee's costs and expenses of doing so.  If Indemnitee is actually
indemnified or advanced Expenses by any such third party, then, for so long as
Indemnitee is not required to disgorge the amounts so received, to that extent
the Company shall be relieved of its obligation to indemnify Indemnitee or to
advance Expenses.

                                      -8-
<PAGE>

     8.   Certain Relationships.  The obligations and rights created under this
          ---------------------
Agreement shall not be affected by any amendment to the Company's Certificate of
Incorporation or Bylaws or any other agreement or instrument to which Indemnitee
is not a party, and shall not diminish any other rights which Indemnitee now or
in the future has against the Company or any other person or entity.

     9.   Severability.  If any provision of this Agreement is determined to be
          ------------
unenforceable for any reason, it shall be adjusted rather than voided, if
possible, in order to achieve the intent of the Company and Indemnitee.  In any
event, the remaining provisions of this Agreement shall remain enforceable to
the maximum extent possible.

     10.  Contribution.  If the indemnification provided in Section 2 of this
          ------------
Agreement is unavailable, then, in respect of any Proceeding in which the
Company is jointly liable with Indemnitee (or would be if joined in the
Proceeding), the Company shall contribute to the amount of Expenses and
Liabilities as appropriate to reflect: (i) the relative benefits received by the
Company, on the one hand, and Indemnitee, on the other hand, from the
transaction from which the Proceeding arose, and (ii) the relative fault of the
Company, on the one hand, and of Indemnitee, on the other, in connection with
the events which resulted in such Expenses and Liabilities, as well as any other
relevant equitable considerations. The relative fault of the Company, on the one
hand, and of Indemnitee, on the other, shall be determined by reference to,
among other things, the parties' relative intent, knowledge, access to
information and opportunity to correct or prevent the circumstances resulting in
such Expenses and Liabilities. The Company agrees that it would not be just and
equitable if contribution pursuant to this Section 10 were determined by pro
rata allocation or any other method of allocation which does not take account of
the equitable considerations described in this Section 10.

     11.  Governing Law.  This Agreement shall be governed by and construed and
          -------------
enforced in accordance with the laws of the State of Delaware applicable to
contracts made and to be performed in such state without giving effect to the
principles of conflicts of laws.  This Agreement is intended to be an agreement
of the type contemplated by Section 145(f) of the DGCL.

     12.  Notices. All notices and other communications under this Agreement
          -------
shall be in writing and shall be given by personal or courier delivery,
confirmed facsimile or telex transmission or first class mail, and shall be
deemed to have been duly given upon receipt if personally delivered or delivered
by courier, on the date of transmission if transmitted by facsimile or telex, or
three days after mailing if mailed, to the addresses set forth below:

                                      -9-
<PAGE>

          If to Indemnitee:

          ____________________
          ____________________
          ____________________
          ____________________

          If to the Company:

          Paymap Inc.
          3 Embarcadero Center, Suite 500
          San Francisco, CA  94111
          Attn:  President

or to such other address as either party may designate by notice to the other
from time to time.

     13.  Counterparts. This Agreement may be executed in one or more
          ------------
counterparts, each of which shall constitute an original.

     14.  Successors and Assigns. This Agreement shall be binding upon the
          ----------------------
Company and its successors and assigns, and shall inure to the benefit of
Indemnitee and Indemnitee's spouse, estate, heirs, executors, administrators,
personal or legal representatives and assigns. The Company shall require any
successor corporation (whether by merger, consolidation, or otherwise) by
written agreement in form and substance satisfactory to Indemnitee, expressly to
assume and agree to perform this Agreement in the same manner and to the same
extent that the Company would be required to perform if no such succession had
taken place.

     15.  Amendment and Waiver.  This Agreement may not be amended except by a
          --------------------
writing executed by both the Company and Indemnitee.  No waiver of any provision
of this Agreement shall be effective unless in writing and signed by the party
to be charged therewith.  A waiver of, or a failure to insist on, complete
compliance with any provision of this Agreement shall not be construed as a
waiver of a subsequent or different non-compliance, breach or default of that or
any other provision of this Agreement.

     16.  Acknowledgment. The Company expressly acknowledges that it has entered
          --------------
into this Agreement and assumed the obligations imposed on the Company under
this Agreement in order to induce Indemnitee to serve or to continue to serve as
a director or officer and acknowledges that Indemnitee is relying on this
Agreement in serving or continuing to serve in such capacity. The Company
further agrees to stipulate in any court proceeding that the Company is bound by
all of the provisions of this Agreement.

     17.  Period of Limitations. No legal action shall be brought and no cause
          ---------------------
of shall be asserted by or in the right of the Company against Indemnitee,
estate,

                                      -10-
<PAGE>

heirs, executors, administrators or personal or legal representatives after the
expiration of two years from the date of accrual of such cause of action, and
any claim or cause of action of the Company shall be extinguished and deemed
released unless asserted by the timely filing of a legal action within such two-
year period; provided, however, that if any shorter period of limitations is
otherwise applicable to any such cause of action, such shorter period shall
govern.

     18.  Duration of Agreement. This Agreement shall continue in effect for so
          ---------------------
long as Indemnitee is subject to any possible Proceeding, regardless of whether
Indemnitee continues to serve as an Agent.

     19.  Entire Agreement. This document contains the final, complete and
          ----------------
exclusive statement of the agreement between the Company and Indemnitee with
respect to the subject matter of this Agreement and supersedes any prior or
contemporaneous understandings, agreements, communications, correspondence or
representations by or between the parties, whether written or oral, relating to
the subject matter of this Agreement.

                                      -11-
<PAGE>

          IN WITNESS WHEREOF, the parties hereto have executed this Agreement as
of the date set forth in its first paragraph.

                                                PAYMAP INC.

                                                By:_____________________________

                                                Title:__________________________

                                                ________________________________
                                                ____________________, Indemnitee

                                      -12-

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