Document:

<PAGE>
                                                                  EXHIBIT 10.22

                          SOFTWARE SERVICES AGREEMENT

This Software Services Agreement (called the "Agreement") covers the terms and
conditions under which Fidelity National Financial, Inc. will pay Micro General
Corp certain monthly payments in consideration for Micro General Corps agreement
to provide Fidelity National Financial, Inc. certain services and for other good
and valuable consideration, the receipt and sufficiency of which Fidelity
National Financial, Inc. hereby acknowledges.

The specific monthly payment amount ("Payment") and the period over which the
Payments are to be made (called the "Transaction") is specified in the table
below. Fidelity National Financial, Inc. agrees to the terms of this Agreement
by signing below.

<TABLE>
<CAPTION>
                                                            Payment
                                    Monthly               Commencement
            Term                 Payment Amount               Date
            ----                 --------------           ------------
<S>                              <C>                     <C>
         36 months               $   49,575.32            June 30, 2000
</TABLE>

This Agreement is the complete agreement regarding the Transaction and replaces
any prior oral or written communications between both parties.

By signing below, both parties agree to the terms of this Agreement. There shall
be only one original of this Agreement.

Agreed to:                                     Agreed to:
          ---------------------                          ----------------------
Fidelity National Financial, Inc.              Micro General Corp

By: /S/ PATRICK F. STONE                       By: /S/ DALE CHRISTENSEN
    ----------------------------                   ----------------------------
    Authorized signature                           Authorized signature

Name: Patrick F. Stone                         Name: Dale Christensen
      --------------------------                     --------------------------
      (type or print)                                (type or print)
      President & COO

Date: June 14, 2000                            Date: 6/14/00
      --------------------------                     --------------------------

<PAGE>

                          SOFTWARE SERVICES AGREEMENT

This Software Services Agreement (called the "Agreement") covers the terms
and conditions under which Fidelity National Financial, Inc. will pay Micro
General Corp certain monthly payments in consideration for Micro General Corp's
agreement to provide Fidelity National Financial, Inc. certain services and for
other good and valuable consideration, the receipt and sufficiency of which
Fidelity National Financial, Inc. hereby acknowledges.

The specific monthly payment amount ("Payment") and the period over which the
Payments are to be made (called the "Transaction") is specified in the table
below. Fidelity National Financial, Inc. agrees to the terms of this Agreement
by signing below.

<TABLE>
<CAPTION>
                                                            Payment
                                   Monthly                Commencement
           Term                 Payment Amount                Date
           ----                 --------------            ------------
<S>                              <C>                      <C>
         36 months               $   49,575.32            June 30, 2000
</TABLE>

This Agreement is the complete agreement regarding the Transaction and replaces
any prior oral or written communications between both parties.

By signing below, both parties agree to the terms of this Agreement. There shall
be only one original of this Agreement.

Agreed to:                                     Agreed to:
          ---------------------                          ----------------------
Fidelity National Financial, Inc.              Micro General Corp

By:                                            By: /S/ DALE CHRISTENSEN
    ----------------------------                   ----------------------------
    Authorized signature                           Authorized signature

Name:                                          Name: Dale Christensen
      --------------------------                     --------------------------
      (type or print)                                (type or print)

Date:                                          Date: 6/14/00
      --------------------------                     --------------------------

<PAGE>

                          SOFTWARE SERVICES AGREEMENT

Part 1 - Definitions 1.0 Definitions

Term is 36 months and it is the number of payment periods of the Transaction.
The Term of the Transaction begins on the date of this Agreement. It ends on the
last day of the last payment period.

Part 2 - Payment

2.1     Fidelity National Financial, Inc.'s obligation to Pay

Payments specified in the table set forth above shall be made monthly on the
30th calendar day of each month. Fidelity National Financial, Inc. acknowledges
and understands that the terms and conditions of this Agreement enables Micro
General Corp to sell and assign its interest in, or grant a security interest
in, this Agreement and the Payments payable hereunder, in whole or in part, to
IBM Credit Corporation ("IBM Credit") to secure Micro General Corp's obligations
to IBM Credit and that IBM Credit has extended certain financing to Micro
General Corp in reliance on Fidelity National Financial, Inc.'s unconditional
obligation to make the Payments and Micro General Corp's assignment of Micro
General Corp's interest in such Payments to IBM Credit. Fidelity National
Financial Inc.'s obligation to make the Payments shall be absolute and
unconditional and shall not be affected by any right of set-off, defense or
counterclaim of any kind whatsoever against Micro General Corp or IBM Credit or
by the termination of any service, or any dispute Fidelity National Financial,
Inc. may have with respect to any service, Micro General Corp may provide to
Fidelity National Financial, Inc.

2.2     Payment Commencement

Payment starts on the Payment Commencement Date specified above.

2.3     Delinquent Payments

If Fidelity National Financial, Inc. does not make a payment by its due date,
Fidelity National Financial, Inc. agrees to pay Micro General Corp, on demand,
an additional 2% per month late charge or the maximum allowed by law, whichever
is less. The late charge will accrue on a cumulative basis until the outstanding
payments and late charges are paid.

Part 3 - General

3.1     Events of Default

Fidelity National Financial, Inc. will be in default if:

1.      Fidelity National Financial, Inc. does not pay any amount within seven
        days after its due date;

2.      Fidelity National Financial, Inc. makes an assignment for the benefit of
        creditors, or Fidelity National Financial, Inc. consents to the
        appointment of a trustee or receiver, or either is appointed for
        Fidelity National Financial, Inc. or for a substantial part of Fidelity
        National Financial, Inc.'s property without Fidelity National Financial,
        Inc.'s consent;

3.      any petition or proceeding is filed by or against Fidelity National
        Financial, Inc. under any bankruptcy, insolvency, or similar law;

<PAGE>

                          SOFTWARE SERVICES AGREEMENT

4.      Fidelity National Financial, Inc. breaches any other provision of this
        Agreement and that breach continues for fifteen days after Fidelity
        National Financial, Inc. receives written notice from Micro General
        Corp; or

5.      Fidelity National Financial, Inc. makes a bulk transfer subject to the
        provisions of the Uniform Commercial Code or otherwise disposes
        substantial assets without receiving equivalent value.

3.2     Remedies

If Fidelity National Financial, Inc. is in default, Micro General Corp may do
one or more of the following:

1.      declare the Transaction and all associated Transactions to be in
        default;

2.      recover from Fidelity National Financial, Inc. all amounts that are or
        will be due;

3.      recover from Fidelity National Financial, Inc. reasonable attorney's
        fees and legal expenses incurred in exercising any of Micro General
        Corp's rights under this Agreement.

Micro General Corp may pursue any other remedy available at law or in equity.

3.3     Assignment

1.      Fidelity National Financial, Inc. may not assign this Agreement or
        Fidelity National Financial, Inc's rights under it, or delegate Fidelity
        National Financial, Inc.'s obligations. Any attempt to do so is void;

2.      Micro General Corp shall sell and assign all of Micro General Corp's
        interests or grant a security interest in all of Micro General Corp's
        right, title and interest under this Agreement to IBM Credit to secure
        Micro General Corp's obligations to IBM Credit.

3.      Fidelity National Financial, Inc. and Micro General Corp agree that
        neither of us may do any of the following without the prior written
        consent of IBM Credit, and that any attempt to do so shall be void and
        of no force or affect against IBM Credit:

        (a)     make, or accept, any payment or pre-payment of the Payments
                other than as specified in this Agreement;

        (b)     amend, supplement or otherwise modify the terms of this
                Agreement or grant or accept any waiver of compliance with, or
                release of any of, Fidelity National Financial, Inc.'s
                obligations under this Agreement;

4.      Fidelity National Financial, Inc. agrees that upon notice from IBM
        Credit that Micro General Corp is in default of it's obligations to IBM
        Credit, Fidelity National Financial, Inc. shall make all Payments
        hereunder directly to IBM Credit as specified by IBM Credit in such
        notice.

3.4     General

If any provision of this Agreement becomes invalid or unenforceable, all other
provisions remain in effect. Micro General Corp's failure to require full
performance or Micro General Corp's waiver of any provision in this Agreement
does not prevent Micro General Corp from requiring full performance of all
provisions in the future.

<PAGE>

                           SOFTWARE SERVICES AGREEMENT

3.5     Notices

All notices under this Agreement will be delivered in person or mailed, to
Fidelity National Financial, Inc. at Fidelity National Financial, Inc. 's
address or to Micro General Corp at Micro General Corp's address or to such
other address as Micro General Corp, or Micro General Corp's assignee may
specify to Fidelity National Financial, Inc.

Governing Law

The laws of the State of California govern this Agreement.<PAGE>
SOFTWARE SERVICES AGREEMENT

                                                                  EXHIBIT 10.23

This Software Services Agreement (the "Agreement") covers the terms and
conditions under which Fidelity National Financial, Inc. will pay Micro General
Corporation certain monthly payments in consideration for Micro General
Corporation's agreement to provide Fidelity National Financial, Inc. certain
services and for other good and valuable consideration, the receipt and
sufficiency of which Fidelity National Financial, Inc. hereby acknowledges.

The specific monthly payment amount ( the "Payment") and the period over which
the Payments are to be made (the "Transaction") are specified in the table
below. Fidelity National Financial, Inc. agrees to the terms of this Agreement
by signing below.

<TABLE>
<CAPTION>
Term                       Monthly Payment Amount           Payment Commencement Date
----                       ----------------------           -------------------------
<S>                              <C>                                 <C>
24 Months                         $24,688                             8/1/00
</TABLE>

This Agreement is the complete agreement regarding the Transaction and replaces
any prior oral or written communications between both parties.

By signing below, both parties agree to the terms of this Agreement. There shall
be only one original of this Agreement.

Agreed to:                                       Agreed to:
FIDELITY NATIONAL FINANCIAL, INC.                MICRO GENERAL CORP

By: /S/ PATRICK F. STONE                       By: /S/ DALE CHRISTENSEN
    ----------------------------                   ----------------------------
    Authorized signature                           Authorized signature

Name: Patrick F. Stone                         Name: Dale Christensen
      --------------------------                     --------------------------
      (type or print)                                (type or print)

Date: August 21, 2000                          Date: August 18, 2000
      --------------------------                     --------------------------

                                  Page 1 of 3
<PAGE>
                         INSTALLMENT PAYMENT SUPPLEMENT

                                                         Date Prepared: 01/17/01

                                                                     PAGE 1 OF 2

NAME AND ADDRESS OF CUSTOMER                 INSTALLED AT LOCATION

MICRO GENERAL CORP                           MICRO GENERAL CORP
2510 N REDHILL AVE                           2510 N REDHILL AVE
SUITE 230                                    SUITE 230
SANTA ANA, CA  92705-5542                    SANTA ANA, CA  92705-5542

SINGLE EQUIPMENT LOCATION                    CSO LOCATION ADDRESS
IBM/IPMA CUSTOMER NUMBER
                                             PHOENIX CSO
5796371/5796-494                             PO BOX 10349
                                             PHOENIX, AZ 85064-0349

CUSTOMER REFERENCE

                     CUSTOMER NO: 5796371
                IBM CSO LOCATION: PAH
             INSTALLMENT PAYMENT
             MASTER AGREEMENT NO: PHXAG08
              IPMA AMENDMENT NOS:
             QUOTE VALIDITY DATE: 01/30/01
      REFERENCED QUOTE LETTER NO: Q0221276901
                   SUPPLEMENT NO: ID0020179
REFERENCED PURCHASE AGREEMENT NO: HQ12291
 REFERENCED LICENSE AGREEMENT NO:
REFERENCED TRADE-IN AGREEMENT NO:
        ASSOCIATED SUPPLEMENT NO:

<Table>
<Caption>
                                          IBM PLANT
           LOCATION        MACHINE        ORDER OR                                    PURCHASE PRICE
           CUSTOMER         OR LPM         MES OR                                      OR ONE-TIME
 LINE       NUMBER        TYPE/MODEL       SERIAL                                       CHARGES OR
  NO.      IBM/IPMA*       FEATURE         NUMBER               DESCRIPTION            OTHER AMOUNT
------     --------       ----------      ---------      -------------------------    ---------------
<S>       <C>             <C>             <C>            <C>                          <C>
 001       5796371         9994/002                      Vendor Sourced Non-IBM SW       120,332.50
           5796494
</Table>

<Table>
<Caption>
                                                                                                      ESTIMATED INSTALLATION
                                                                                                         DATE OR INTENDED
                    CREDIT                                                                              FINANCING DATE OR
              (FROM IBM TRADE-IN                                                                        EFFECTIVE DATE OF
 STATE AND     AGREEMENT) AND/OR     AMOUNT      INTEREST    PAYMENT               TERM (NUMBER OF      ADDITIONAL LICENSE
LOCAL TAXES      DOWN PAYMENT       FINANCED       RATE       AMOUNT     OPTION    PAYMENT PERIODS)        PLANNING DATE
-----------   ------------------   ----------    --------    --------    ------    ----------------   ----------------------
<S>           <C>                  <C>           <C>         <C>         <C>       <C>                <C>
                                   120,332,50      9.67      3,864.17       T             36                 1/31/01

</Table>

<Table>
<Caption>
                                      FISCAL YEAR                                INTEREST          TOTAL
     PAYMENT PERIOD                   START DATE         SUPPLIER NAME         COMMENCEMENT       PAYMENT
<S>                                  <C>              <C>                      <C>              <C>
1. Monthly [X]                           01/01        NETWORK CATALYST INC                        3,864.17
   Annual  [ ]                         Month/Day      Supplier Customer no.
2. Other (specify):                                         6405958
   Schedule attached (check): [ ]

</Table>

            TOTAL FROM ALL PAGES:

PURCHASE PRICE OR ONE-TIME
CHARGES OR OTHER AMOUNT            $120,332.50

TRADE-IN/CREDIT DOWN PAYMENT

STATE OR LOCAL TAXES

AMOUNT FINANCED                    $120,332.50

*TAX ON FINANCE CHARGE

(WHEN APPLICABLE THIS TAX IS
PAYABLE WITH FIRST INSTALLMENT)

================================================================================
THE INSTALLMENT PAYMENT MASTER AGREEMENT REFERENCED ABOVE, THIS SUPPLEMENT AND
ANY APPLICABLE ATTACHMENTS OR ADDENDA ARE THE COMPLETE EXCLUSIVE STATEMENT OF
THE AGREEMENT. THESE DOCUMENTS SUPERSEDE ANY PRIOR ORAL OR WRITTEN
COMMUNICATIONS BETWEEN THE PARTIES. BY SIGNING BELOW, BOTH PARTIES AGREE TO THE
TERMS REPRESENTED BY THIS SUPPLEMENT. DELIVERY OF AN EXECUTED COPY OF ANY OF
THESE DOCUMENTS BY FACSIMILE OR OTHER RELIABLE MEANS SHALL BE DEEMED TO BE AS
EFFECTIVE FOR ALL PURPOSES AS DELIVERY OF A MANUALLY EXECUTED COPY. CUSTOMER
ACKNOWLEDGES THAT WE MAY MAINTAIN A COPY OF THESE DOCUMENTS IN ELECTRONIC FORM
AND AGREES THAT COPY REPRODUCED FROM SUCH ELECTRONIC FORM BY ANY OTHER RELIABLE
MEANS (FOR EXAMPLE, PHOTOCOPY, IMAGE OR FACSIMILE) SHALL IN ALL RESPECTS BE
CONSIDERED EQUIVALENT TO AN ORIGINAL.

Accepted by:                                          Initial here
                       MICRO GENERAL CORP                         ------------
                                                      to request IBM Maintenance
                                                      for equipment

By:                    By: /s/ Dale Christensen
   -----------------      ---------------------
      Authorized               Authorized
      Signature                Signature

                             Dale Christensen
--------------------      ---------------------
Name (Type or Print)      Name (Type or Print)

                                 2/01/01
--------------------      ---------------------
Date                      Date
<PAGE>

                          Supplement Number.ID0020179

OPTION CODES

OPTION I  - Transaction for a Machine or a Modification.

OPTION IG - Transaction for a Machine or a Modification
            financed with Tax Exempt Interest.

OPTION R  - Transaction for a used Machine supplied by
            IBM Credit Corporation.

OPTION RG - Transaction for a used Machine supplied by IBM Credit
            Corporation financed with Tax Exempt Interest.

OPTION S  - Transaction for an IBM one-time charge or a Machine
            or a Modification supplied by IBM Credit Corporation.

OPTION S' - Transaction for an IBM one-time charge or a Machine
            or a Modification supplied by IBM Credit Corporation
            financed with Tax Exempt Interest.

OPTION T  - Transaction for a non-IBM one-time charge.

OPTION T' - Transaction for a non-IBM one-time charge financed
            with Tax Exempt Interest.

TAX EXEMPT REQUIREMENTS (FOR OPTIONS IG, RG, S' AND T') THE RATES IN THIS
AGREEMENT ARE BASED ON YOUR UNDERLYING DEBT OBLIGATION QUALIFYING TO PAY
INTEREST WHICH IS EXEMPT FROM FEDERAL INCOME TAX UNDER SECTION 103(a) OF THE
INTERNAL REVENUE CODE (Code). Accordingly, you represent that you  qualify as a
State or political subdivision of a State for purposes of Section 103(a). You
agree that any misrepresentation of your status under Section 103(a) is an event
of default under this agreement. You further agree to comply promptly with all
information reporting requirements of Code section 149(e) and Treasury
Regulations thereunder. You also agree to file internal Revenue Service Form
8038-G or 8038-GC whichever appropriate, for this transaction. If you do not
file the above IRS form on a timely basis or are unable upon request to
demonstrate that the IRS has determined you are qualified under Section 103(a)
of the Code, then you shall pay us on demand a sum to be determined by us that
will return to us the economic results we would otherwise have received.

PREPAYMENT FEE

     The Prepayment Fee is charged to recover administrative expense and changes
in funding cost associated with the early liquidation of a Transaction.

     Changes in funding costs will only be incurred if interest rates, based on
the 3-year Treasury Rate averages as published by the Federal Reserve, decline
from the date interest starts to the date of the liquidation. The cost will be
determined using a factor of 2.8 multiplied by the change in the 3-year Treasury
Rates and then multiplied by the remaining Transaction principal. The 2.8 factor
will decrease with the number of months remaining in the original term of the
contract. Administrative expense will be determined using a factor of 2.50%
multiplied by the remaining Transaction principal.

     The Prepayment Fee will be the sum of these numbers.

FOR FINANCED MACHINES, MODIFICATIONS, OR ADDITIONS
FOR COMMERCIAL CUSTOMERS LOCATED IN:

     1.   Ohio, Maryland, Mississippi, Virginia, or West Virginia, you must be a
          corporation as defined by the applicable state law;

     2.   Pennsylvania, you must be a business corporation as defined by
          Pennsylvania laws; and

     3.   Alabama or Wisconsin, the Machines, Modifications, or Additions may
          not be purchased for agricultural purposes.

WARRANTY DISCLAIMER:

     Any warranties associated with Products or Services chosen by you and
financed by us may be available to you under the terms of any applicable
agreement between you and the provider of such Products or Services.

     UNDER THIS AGREEMENT, WE MAKE NO WARRANTY, EXPRESS OR IMPLIED, AS TO ANY
MATTER WHATSOEVER, INCLUDING, BUT NOT LIMITED TO, THE CAPABILITY OF THE MACHINES
OR PROGRAMS TO CORRECTLY PROCESS, PROVIDE AND/OR RECEIVE DATE DATA WITHIN AND
BETWEEN THE 20TH AND 21ST CENTURIES, AND THE IMPLIED WARRANTIES OF
MERCHANTABILITY OF FITNESS FOR A PARTICULAR PURPOSE, AND YOU TAKE THE PRODUCTS
AND/OR SERVICES "AS IS". IN NO EVENT WILL WE HAVE ANY LIABILITY FOR, NOR WILL
YOU HAVE ANY REMEDY UNDER THIS AGREEMENT AGAINST US FOR CONSEQUENTIAL DAMAGES,
ANY LOSS OF PROFITS OR SAVINGS, LOSS OF USE, OR ANY OTHER COMMERCIAL LOSS.

     The following amend the Installment Payment Master Agreement referenced on
page 1.

     1.   Section 1.1 - Definitions - Date of Installation for a Program -
          replace item b. with the following: "the second business day after the
          Program's standard transit allowance period."

TERMS FOR NON-IBM EQUIPMENT AND FOR EQUIPMENT NOT SOURCED FROM IBM; WHERE
NON-IBM EQUIPMENT AND/OR A SUPPLIER OTHER THAN IBM IS SPECIFIED ON THE FRONT OF
THIS SUPPLEMENT, THESE TERMS APPLY.

     2.   Section 2.1 - Machines - replace the first sentences with the
          following: "We finance charges for Machines you purchase from us or
          your supplier."

     3.   Section 2.2 - Modifications and Additions - replace the first sentence
          with the following: "We finance charges for Modifications and
          Additions you purchase from IBM, IBM Credit or your supplier."

     4.   Section 2.3 - Other Charges - add the following to the end of the
          section: "We may agree to finance one-time charges from your
          supplier."

     5.   Section 2.4 - Discounts, Allowances and Adjustments - replace the
          first sentence with the following "The purchase price or one-time
          charge we finance is the same amount that you would have paid us or
          your supplier after all discounts and adjustments."

     6.   Section 3.2 - Interest Commencement - replace the entire section with
          the following: "Unless otherwise specified in the Supplement, Interest
          starts on (for OPTIONS IG, RG, S' and T' transactions, interest starts
          on the first day of the month following) the acceptance date you
          indicate on a certificate of acceptance executed by you."
<PAGE>
IBM LOGO
     CREDIT CORPORATION

                           CERTIFICATE OF ACCEPTANCE
                                                                     PAGE 1 OF 1
                                                       AGREEMENT NUMBER: PHXAG08
Customer Number:5796371
Name and Address
MICRO GENERAL CORP
2510 N REDHILL AVE
SUITE 230
SANTA ANA, CA 92705-5542

BRANCH OFFICE ADDRESS
PO BOX 10349
PHOENIX, AZ 85064-0349

<Table>
<Caption>
Location  Leased/Financed Item  Plant Order  Contract Serial No.  Manufacturer's
Customer  Type    Model         or MES No.   Description          Serial No.
-------------------------------------------------------------------------------
<S>       <C>                   <C>          <C>                  <C>
5796371   9994      002
                                             Vendor Sourced
                                             Non-IBM SW
</Table>
-------------------------------------------------------------------------------
            Supplier Invoice Information (Invoices Must be Attached)
-------------------------------------------------------------------------------
<Table>
<Caption>
     Supplier                 Invoice Number      Invoice Date  Invoice Amount
<S>                           <C>                 <C>           <C>
  1. NETWORK CATALYST         0015596             12/05/00      37180.00
  2. NETWORK CATALYST         001598              12/05/00      61300.00
  3. NETWORK CATALYST         0015643             12/11/00      21852.50
  4.
  5.
  6.
-------------------------------------------------------------------------------
                                                  TOTAL       120,332.50
-------------------------------------------------------------------------------
</Table>

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

THE UNDERSIGNED ("CUSTOMER") IS A LESSEE OR CUSTOMER UNDER THE MASTER LEASE OR
INSTALLMENT PAYMENT MASTER AGREEMENT REFERENCED ABOVE ("MASTER AGREEMENT") WITH
EITHER IBM CREDIT CORPORATION OR INTERNATIONAL BUSINESS MACHINES CORPORATION (IN
EITHER CASE, "IBM"). CUSTOMER REPRESENTS AND CERTIFIES THAT THE ITEMS LISTED
ABOVE OR ITEMIZED ON AN ATTACHMENT TO THIS CERTIFICATE OF ACCEPTANCE ("ACCEPTED
ITEMS") HAVE BEEN ACCEPTED BY CUSTOMER ON THE ACCEPTANCE DATE INDICATED BELOW
AND LABELS, IF SUPPLIED, HAVE BEEN AFFIXED TO EACH ACCEPTED ITEM OF EQUIPMENT.
CUSTOMER AUTHORIZES IBM TO PAY CUSTOMER'S SUPPLIER FOR THE ACCEPTED ITEMS. IF
CUSTOMER IS SUBJECT TO PROCUREMENT OR APPROPRIATION LAWS OR REGULATIONS,
CUSTOMER REPRESENTS AND CERTIFIES THAT IBM'S DIRECT PAYMENT TO CUSTOMER'S
SUPPLIER FOR THE INVOICE AMOUNTS INDICATED ON THIS CERTIFICATE OF ACCEPTANCE
WILL BE IN FULL COMPLIANCE WITH ANY AND ALL RELEVANT STATE LAWS AND REGULATIONS
OR ANY OTHER LEGAL REQUIREMENTS RELATING TO CUSTOMER'S PROCUREMENT OR
APPROPRIATION ACTIVITIES.

IN ORDER FOR THIS CERTIFICATE OF ACCEPTANCE TO BE EFFECTIVE, CUSTOMER MUST
PROVIDE IBM WITH SERIAL NUMBERS FOR EACH ACCEPTED ITEM OF EQUIPMENT. CUSTOMER
AUTHORIZES IBM TO COMPLETE OR UPDATE ANY EQUIPMENT IDENTIFICATION INFORMATION ON
THE REFERENCED SUPPLEMENT TO THE MASTER AGREEMENT FOR ANY ACCEPTED ITEM OF
EQUIPMENT WITHOUT FURTHER ACTION OR CONSENT BY CUSTOMER.

DELIVERY OF AN EXECUTED COPY OF THIS CERTIFICATE OF ACCEPTANCE BY FACSIMILE OR
ANY OTHER RELIABLE MEANS SHALL BE DEEMED TO BE AS EFFECTIVE FOR ALL PURPOSES AS
DELIVERY OF A MANUALLY EXECUTED COPY. CUSTOMER UNDERSTANDS THAT IBM MAY MAINTAIN
A COPY OF THIS CERTIFICATE IN ELECTRONIC FORM AND AGREES THAT A COPY PRODUCED
FROM SUCH ELECTRONIC FORM OR BY ANY OTHER RELIABLE MEANS (FOR EXAMPLE,
PHOTOCOPY, IMAGE OR FACSIMILE) SHALL IN ALL RESPECTS BE CONSIDERED EQUIVALENT TO
AN ORIGINAL.

                                         ACCEPTED BY: MICRO GENERAL CORP
                                                      -------------------
                                                        CUSTOMER

ACCEPTANCE DATE: 2/1/01                  BY: /s/ DALE CHRISTENSEN
                --------------------        ----------------------
                 (MUST BE COMPLETED)         Authorized Signature

                                             Dale Christensen
                                            ----------------------
                                             Name (type or Print)

              PLEASE RETURN TO BRANCH OFFICE ADDRESS LISTED ABOVE
<PAGE>

                                                   North Castle Drive
IBM CREDIT CORPORATION                             Armonk, NY 10504-1785
                                                   914/499-1900
                                                   www.financing.ibm.com

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

                   ADDENDUM TO INSTALLMENT PAYMENT SUPPLEMENT

                                              Installment Payment
Enterprise No. 0201500                        Master Agreement No.______________

    Customer No. 5796371                            Supplement No.______________

We and MICRO GENERAL CORP (You) agree that for the purposes of the referenced
Supplement only, the Installment Payment Master Agreement between the parties is
hereby modified as follows:

        Section 4.1 Events of Default - in item 6 delete "or" and in item 7
        delete "." at the end of the sentence.

        - add items 8, and 9 which reads as follows:

        "(8) Fidelity National Financial Inc. ("Fidelity") is in default of the
        terms and conditions of the Software Services Agreement number SSA105
        between You and Fidelity (the "SSA"), the original of which is attached
        to this Addendum, after the expiration of any applicable cure periods;
        or

        (9) the SSA, or any term or condition thereof, shall be deemed
        unenforceable, or Fidelity shall deny or contest the enforceability of
        the SSA, or any term or condition thereof.

        Section 4.2 Remedies - add item 6. which reads as follows: "exercise any
        and a11 of our rights as a secured party with respect to the SSA."

        Section 4.3 Security Interest - at the beginning of the Section, add the
        following new sentence:

        "To secure the full and punctual payment and performance of Your
        obligations to Us hereunder, whether now owing or hereafter arising,
        when due, You hereby grant Us a security interest in all of Your right,
        title and interest in and to the SSA, whether now owned or hereafter
        acquired or existing, including, without limitation, to the Payments (as
        defined in the SSA), and in all substitutions, replacements and proceeds
        of the foregoing (collectively, the "Collateral"). You represent and
        warrant to Us that there is only one original of the SSA. You agree to
        provide us with the original SSA along with this Addendum. Once all of
        Your obligations to Us under this Agreement have been satisfied, we
        agree to return to You the SSA. You further represent and

--------------------------------------------------------------------------------
                   NO CHANGES TO THIS ADDENDUM ARE AUTHORIZED

Dec 15, 2000                          1                Addendum No. Q02190848-02

<PAGE>

                             IBM Credit Corporation
--------------------------------------------------------------------------------

        warrant to Us that the security interest granted to Us in the SSA
        constitutes a valid and enforceable first priority perfected security
        interest in all of Your right, title and interest in the SSA and that,
        except for the security interest granted hereunder, You own all of Your
        right, title and interest is the SSA free and clear of any lien,
        security interest or encumbrance in favor of any third party." In the
        second paragraph in line three after "covering, Machines, Modification,"
        insert "the SSA,".

        Section 4.6 General- at the end of the Section, add the following new
        paragraphs:

        "You agree that you shall not do any of the following without the prior
        written consent of IBM Credit, and that any attempt to do so shall be
        void and of no force or affect against IBM Credit:

        (i)     make, or accept, any payment or pre-payment of the payments
                under the SSA other than as specified in the SSA;

        (ii)    amend, supplement of otherwise modify the terse of the SSA or
                grant or accept any waiver of compliance with, or release of any
                of, Fidelity's obligations under the;

        In addition to any [other remedies available to Us, and without limiting
        any such remedies, You agree that upon notice from Us that You are in
        default of Your obligations to Us, We may direct Fidelity to make all
        payments under the SSA directly to Us.

Prepared by: C COLEMAN

Accepted by:

IBM Credit Corporation                           MICRO GENERAL CORP

by                                               by /S/ DALE CHRISTENSEN
   ----------------------------                     ---------------------------
   Authorized Signature                             Authorized Signature

                                                 Dale Christensen       2/1/01
-------------------------------                  ------------------------------
Name (Type or Print)    Date                     Name (Type or Print)    Date
A190848B/BP2

--------------------------------------------------------------------------------
                   NO CHANGES TO THIS ADDENDUM ARE AUTHORIZED

Dec 15, 2000                          2                Addendum No. Q02190848-02

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00036-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00036-of-00352.parquet"}]]