Document:

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                              CORILLIAN CORPORATION
                            VOYAGER LICENSE AGREEMENT

Effective Date:  December 21, 1999

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Wachovia Operational Services Corporation ("Client")         Corillian Corporation ("Corillian")
809 W. 4-1/2 Street                                          3601 SW Murray Blvd., Suite 300
Winston-Salem, North Carolina 27150                          Beaverton, Oregon 97005
                                                             (503) 627-0729
                                                             FAX (503) 641-5575
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On the terms and subject to the conditions set forth below Corillian and Client
(each a "Party" and collectively the "Parties") hereby enter into this License
Agreement (the "Agreement").

TERMS AND CONDITIONS

1.       GRANT OF LICENSE

1.1      Corillian hereby grants to Client a non-exclusive, non-transferable,
         perpetual license to use, as more particularly described in this
         Section 1 and in Section 2 hereof, production copies of certain
         computer software programs and associated documentation (the
         "Products"), as more particularly described in the Voyager Product
         Schedule (the "Product Schedule") executed contemporaneously and made a
         part of this Agreement, for the benefit of itself and its Affiliates
         (as defined in Paragraph 1.2 below).

1.2      Clients license to use the Products (including any third party software
         sublicensed through Corillian ("Third Party Software")) under this
         Agreement may not be assigned, sublicensed or otherwise transferred,
         whether by operation of law or otherwise, without Corillian's prior
         written consent which may be granted or withheld in Corillian's sole
         discretion; provided, however, that Client may assign its rights under
         this Agreement (without amendment or alteration of such rights) to an
         Affiliate of Client provided that Client gives Corillian written notice
         of such assignment and that such Affiliate agrees in writing to be
         bound by the terms of this Agreement and to assume Client's obligations
         hereunder. For purposes of this Agreement, the term "Affiliate" means
         an entity directly or indirectly, through one or more intermediaries,
         controlling, controlled by or under common control with an entity. For
         purposes of this definition, "control" shall mean the right to vote or
         direct the voting of at least fifty percent (50%) of the common stock
         or other ownership interest in the entity. An "Affiliate" shall also
         include any entity by or for which the Products had been used while
         such Affiliate was controlling, controlled by or under common control
         with Client, which, by reason of a spin-off, public offering, or the
         like, ceases to be controlling, controlled by or under common control
         with Client, provided, however, that such Affiliate shall cease to be
         an Affiliate in the event that an entity which is not an Affiliate
         subsequently acquires all of the common stock of such Affiliate. An
         affiliate shall not include an entity that acquires all of the common
         stock of Client, or an entity that acquires all of the common stock of
         the entity that owns all of the common stock of Client, unless such
         entity was an Affiliate of Client prior to such acquisition. In the
         event of such an acquisition, if the acquiring entity so desires, the
         parties agree to negotiate in good faith a license agreement for the
         Products, under which the acquiring entity would receive a credit for
         all license and other fees paid pursuant to Section 11 of the Product
         Schedule.

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1.3      No later than December 30, 1999, the parties, along with a mutually
         agreed upon escrow agent, agree to execute a Source Code Escrow
         Agreement (the "Escrow Agreement") substantially in the form attached
         as Exhibit A to this Agreement, and agree to maintain the same in
         effect for the term of the Agreement. The Escrow Agreement shall
         provide for the ongoing escrow of (i) the source code version of all
         Products in such form that will allow Client, upon release, to build
         and compile useable object code (ii) the similar source code version of
         any and all updates, modifications, revisions and enhancements to be
         delivered pursuant to this Agreement, as well as any other Products
         provided pursuant to the Product Schedule, Support Services Schedule,
         or otherwise pursuant to any agreement with the Client, and (iii) any
         and all documentation developed by Corillian or in its possession
         relating to the applicable source code (the "Source Code"). The Escrow
         Agreement shall provide for the release of the Source Code for any
         reason at any time upon written request by Client, in which event
         certain obligations to pay an exit fee may come into effect as more
         particularly described herein. In addition, the Escrow Agreement shall
         provide for the provision by Corillian of certain knowledge transfer
         and training services upon release of the Source Code from escrow and
         for the continuous updating of the Source Code so that the Source Code
         in escrow corresponds to the Products in use by Client. Upon any
         release of the Source Code from Escrow, Client shall be granted a
         license to the Source Code pursuant to the terms of the Escrow
         Agreement, and the Source Code shall become part of the Products for
         all purposes of this Agreement. After such release, Corillian will
         provide Client directly with new versions of the Source Code
         incorporating any Product modification, upgrades or enhancements or
         other change to the Products made by Corillian pursuant to the Product
         Schedule, Support Services Schedule or otherwise pursuant to any other
         agreement with Client within thirty (30) days of acceptance by Client
         of such modifications, upgrades or enhancements or other changes. In
         the event the parties are unable, by December 30, 1999, to execute such
         an Escrow Agreement, Client shall have the right to terminate this
         Agreement and shall receive a full refund of all fees (including, but
         not limited to, license, implementation and custom engineering) paid
         pursuant to Section 11 of the Product Schedule, and any other fees paid
         hereunder.

1.4      The license grant provided under this Agreement is an enterprise
         license. Client may utilize any number of copies of the Products in
         test, stress, development, production and business continuity
         environments at any facility of the Client or its Affiliates as the
         Client may elect. There shall be no license limitation on the number of
         customers accessing or utilizing the Products licensed herein to
         Client.

2.       SCOPE OF USE

2.1      The Products may be used only for, by, or on behalf of, Client and its
         Affiliates by employees of Client or its Affiliates or agents, vendors,
         contractors and consultants (including third party hosts) of Client or
         its Affiliates ("Consultants") at any facility of the Client or its
         Affiliates to: (i) process Client's or its Affiliates' own data in a
         production environment, including a backup mirrored system, (ii) to
         maintain, support, modify, enhance or upgrade the Products (iii) to
         otherwise perform testing and stress testing and development and (iv)
         to establish, test and operate a business continuity or off-site
         disaster recovery system. Client may not make any other use of the
         Products without the prior written consent of Corillian which may be
         granted or withheld in Corillian's sole discretion.

2.2      The parties agree that Client may, at its election, engage a Consultant
         or Consultants to use and operate or host the Products on behalf of
         Client or its Affiliates consistent with the terms and conditions as
         set forth herein, and that in such case the Products may be used at a
         facility owned or controlled by such Consultant or Consultants.

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2.3      Corillian and Client agree to negotiate in good faith the terms and
         conditions for a Private Label or Servicing Agreement under which
         Client would have the right to sublicense the Products to certain
         designated institutions, and under which Client would have the right to
         use the Products to process data and provide other services to third
         parties in a service bureau environment.

2.4      Except as set forth in Section 1.1, 1.2 and 4.1 hereof, and except as
         may be provided in any Private Label or Servicing Agreement as set
         forth in Section 2.3 hereof, Client will not sublicense, sell, rent,
         lease, give, transfer, assign, convey or otherwise dispose of any
         portion of the Products, including any Third-Party Software, including,
         but not limited to, any enhancement or modification thereto.

3.       FEES AND EXPENSES

3.1      Client shall pay Corillian the fees and expenses set forth in Section
         11 of the Product Schedule, in accordance with the schedule of payments
         set forth in such Product Schedule.

3.2      Any federal, state, excise, and local government fees, assessments,
         charges, and taxes connected with Client's license and use of the
         Products, other than taxes based upon the net income of Corillian,
         shall be the responsibility of Client.

4.       PROPRIETARY RIGHTS

4.1      Corillian retains and reserves title and all ownership rights to the
         Products. All general modifications, enhancements and releases provided
         to Client pursuant to the Support Services Schedule between Corillian
         and Client as well as modifications and enhancements made specifically
         for Client and modifications and enhancements made by Client shall be
         considered as part of the Products and owned by Corillian; provided,
         however, that in the event that Client terminates support pursuant to
         Section 13 of the Support Services Schedule, or pursuant to Section
         6.2, 11.2, 11.3 or 15 hereof, or pursuant to Section 7 or 8 of the
         Product Schedule, or in the event Corillian terminates support pursuant
         to Section 12.2 of the Support Services Schedule, all modifications and
         enhancements made thereafter specifically by or on behalf of Client
         shall be owned solely by Client, but such ownership shall only
         encompass the specific code modification or enhancement and does not
         include any of the underlying code to the Products The parties agree to
         negotiate in good faith the ownership of any modifications or
         enhancements which in the future may be developed by Corillian for
         Client pursuant to any engagement for additional custom engineering
         services. All physical documents and media containing Products sent to
         Client shall be deemed to be leased and not sold and their use
         licensed. Client acknowledges that this Agreement conveys a limited
         license, as expressed in this Agreement, and does not convey title or
         any ownership rights to the Products. Excepting the foregoing and all
         other work or services performed by Corillian pursuant to the
         Agreements, including any subsequent Change Orders, Amendments or
         Addenda thereto or related Work Orders, the parties acknowledge and
         agree that Client is and will be developing or will be having developed
         for it certain applications and interfaces that are complimentary to or
         are used in conjunction with the Products as a part of an integrated
         suite of financial and other services more broadly known as the "Prism
         Project." The parties acknowledge and agree that such applications,
         interfaces, discoveries, developments, concepts and other intellectual
         property associated with the Prism Project shall be the sole property
         of Client.

4.2      Client will not delete or in any manner alter the notices of
         intellectual property rights of Corillian (or of the vendor of any
         Third-Party Software licensed through Corillian) appearing on or
         resulting from use of the Products delivered to Client. As a condition
         of the license

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         rights granted to Client in this Agreement, Client will reproduce
         and display such notices on each copy it makes of any Product.

5.       CONFIDENTIAL INFORMATION

5.1      Corillian and Client acknowledge that in order to perform the services
         called for in this Agreement, it shall be necessary for each party to
         disclose to the other certain Confidential Information, as defined in
         Section 5.2 hereof. For purposes of this Section, a party disclosing
         Confidential Information shall be referred to as the "disclosing party"
         and a party receiving Confidential Information shall be referred to as
         a "receiving party". The receiving party recognizes, acknowledges and
         agrees that the Confidential Information of the disclosing party is a
         special, valuable and unique asset of the disclosing party, its
         affiliate(s) and its Consultant(s) which is considered secret and is
         disclosed to the receiving party in confidence. The receiving party
         agrees to take all reasonable precautions to prevent any portion of
         disclosing party's Confidential Information, in any form or medium,
         from being disclosed or made available by the receiving party or by any
         of the receiving party's employees to any other person, firm, or
         corporation except as is expressly permitted herein. In no event shall
         the receiving party take precautions any less stringent than those
         employed to protect its own trade secrets and proprietary information.
         The receiving party will use the disclosing party's Confidential
         Information only for the purposes set forth in this Agreement. The
         receiving party agrees that it shall not disclose, transfer, use, copy
         or allow access to any such Confidential Information of the disclosing
         party to any employees or any third parties, including Consultants,
         except for those who have a need to know such Confidential Information
         in order to accomplish the requirements of this Agreement and who are
         otherwise legally bound by obligations of confidentiality and
         limitation of use sufficient to give effect to this Section 5, except
         as otherwise permitted in this Agreement. The receiving party will
         .promptly return or certify the destruction of the Confidential
         Information of the disclosing party and all copies or extractions
         thereof to the disclosing party within five days of the termination of
         this Agreement. The receiving party shall promptly advise the other in
         writing of any misappropriation or misuse of the Confidential
         Information of the disclosing party by any person which may come to a
         receiving party's attention, and shall cooperate with the disclosing
         party in any action relating thereto.

5.2      As used herein, the term "Confidential Information" shall mean any
         information about a disclosing party's (or its affiliates' or
         Consultants') customers, data, operations, products, plans, processes,
         programs (including software and data processing programs), procedures,
         formulas, or other information that is confidential and proprietary to
         a disclosing party (or its affiliates or Consultants). Confidential
         Information shall not include any information which (i) is or becomes
         generally available to the public other than as a result of disclosure
         by the receiving party, its employees or agents; (ii) was within the
         receiving party's possession on a non-confidential basis prior to its
         disclosure by the disclosing party to the receiving party pursuant
         hereto; (iii) is lawfully obtained by the receiving party from a third
         party without any obligation of by the receiving party to maintain the
         information as confidential or proprietary and without a known breach
         of an obligation of confidentiality; (iv) is independently developed by
         the receiving party without reference to the Confidential Information
         of the disclosing party; or (v) receiving party is required to disclose
         by law, regulation or judicial or regulatory order, provided that the
         receiving party shall promptly notify the disclosing party of such
         requirement so that the disclosing party may have such opportunity as
         may be available to seek an appropriate protective order or otherwise
         seek to protect the confidentiality of such Confidential Information.
         The parties may also disclose each other's Confidential Information to
         its internal and external auditors, accountants and attorneys, and to
         its regulators. Without limiting the generality of the foregoing,
         Corillian acknowledges and agrees that the terms of confidentiality
         under this Agreement shall not be construed to limit Client's right to

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         independently develop or acquire, or have developed for it, products
         concepts, systems or techniques without use of the Confidential
         Information that are similar to or compete with the products, concepts,
         systems or techniques contemplated by or embodied in the Confidential
         Information.

5.3      The parties hereto acknowledge that (i) the restrictions contained in
         this Agreement are necessary to protect each of the parties'
         proprietary interest in its Confidential Information, (ii) remedies at
         law will be inadequate and any violation of these restrictions will
         cause irreparable harm or damage to a disclosing party not compensable
         in monetary damages and accordingly (iii) a disclosing party shall be
         entitled to injunctive relief against any violation by the receiving
         party

5.4      The obligations set forth in this Section 5 as they pertain to
         Confidential Information shall survive the termination of this
         Agreement and shall continue for so long as the relevant information
         remains confidential.

6.       WARRANTY, REMEDY AND LIMITATION OF LIABILITY

6.1      Corillian represents and warrants as follows:

         6.1.1    That the Products are compatible with Client's data processing
                  system.

         6.1.2    That at the time each Component of Products is accepted (as
                  defined in Section 7 of the Product Schedule) and for a period
                  of ninety (90) days thereafter, the such Component of the
                  Products will perform all the functions described in Exhibit 1
                  to the Product Schedule. Corillian does not warrant that the
                  Products will operate uninterrupted or error-free.

         6.1.3    That Corillian has the right to license the Products to Client
                  as provided herein and that the Products, as used within the
                  scope of this Agreement, do not infringe copyright, patent,
                  trademark or other proprietary rights of a third party.

         6.1.4    That the Products provided pursuant to this Agreement and used
                  by Client and its customers prior to, during or after the
                  calendar year 2000 include or shall include, at no additional
                  cost to Client, design and performance capabilities so that
                  Client shall not experience abnormally ending and/or invalid
                  and/or incorrect results from their use in the operation of
                  the business of Client. Furthermore, Corillian represents and
                  warrants that the Products will under normal use and service,
                  record, store, process and present calendar dates failing on
                  or after January 1, 2000, in the same manner, and with the
                  same functionality, data integrity and performance, as the
                  Products record, store, process and present calendar dates on
                  or before December 31, 1999. Corillian warrants that the
                  Products will lose no functionality with respect to the
                  introduction of records containing dates falling on or after
                  January 1, 2000.

                  The warranty set forth above applies only to the Products.
                  Corillian cannot, and does not, warrant that any hardware or
                  software with which the Products interact or to which the
                  Products are connected will be Year 2000 compliant. If the
                  Products do not operate, execute or otherwise function
                  properly as a result of flaws, errors, problems or defects in
                  hardware or software not provided or supplied by Corillian,
                  then Corillian shall have no obligations under this warranty.

         6.1.5    The warranties provided in Sections 6.1.1, 6.1.2, 6.1.3 and
                  6.1.4 shall not apply if (i) the Products are used other than
                  in a manner contemplated by the parties,

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                  consistent with the features and functions defined in the
                  Product Schedule and in accordance with Corillian's
                  instructions, (ii) the Products are altered or modified by
                  Client without the written approval of Corillian, (iii) if
                  the Products do not perform because data communication is
                  interrupted by the action or inaction of Client or a third
                  party; or (iv) any other cause within the reasonable
                  control of Client shall cause the alleged breach.

         6.1.6    OTHER THAN AS EXPRESSLY STATED IN THIS AGREEMENT, CORILLIAN
                  MAKES NO OTHER WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, WITH
                  RESPECT TO THE PRODUCTS OR ANY SERVICES PROVIDED IN CONNECTION
                  WITH THIS AGREEMENT, INCLUDING WITHOUT LIMITATION THE IMPLIED
                  WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR
                  PURPOSE.

         6.1.7    The vendors of Third-Party Software make no warranties,
                  express or implied, to Client.

6.2  Client's remedies are as follows:

         6.2.1    In all situations involving performance or non-performance of
                  the Products, Corillian's liability and Client's remedy shall
                  be limited to having Corillian supply as soon as practicable
                  code corrections as required to enable the Products to perform
                  the functions described in the Product Schedule. If after
                  sixty (60) days, Corillian is unable to make the Products
                  operate as warranted, Client may, at its option, (i)
                  regardless of whether Client shall have previously received
                  the Source Code pursuant to the Escrow Agreement, discontinue
                  use of the Products, terminate this Agreement, and the license
                  granted hereunder and receive a refund of the fees paid for
                  such license, less the reasonable value of use, calculated
                  using a three year straight line depreciation (if occurring
                  during the warranty period, there shall be no deduction for
                  reasonable use), and cancel all obligations with respect to
                  payment of custom engineering and implementation fees not
                  previously incurred prior to notice of termination and
                  terminate the Support Services Schedule without payment of an
                  exit fee thereunder and receive a pro-rata refund of fees paid
                  thereunder; (ii) Client may continue to use the Products with
                  reductions in the License Fee or Support Services Fee as the
                  parties may mutually agree shall be fair and equitable or
                  (iii) continue to use the Products, terminate the Support
                  Services Schedule, receive a pro-rata refund of the Support
                  Fees paid thereunder, pay Corillian an exit fee of $1,000,000,
                  or the amount owing under Section 13.2 of the Support Services
                  Schedule, whichever is less and shall receive the Source Code
                  pursuant to the Escrow Agreement, including the knowledge
                  transfer obligation specified in Section 11 of the Support
                  Services Schedule and thereunder. In the event that Client has
                  previously exercised its election to receive the Source Code
                  pursuant to the Escrow Agreement, Client shall have the same
                  three remedies available to it. With respect to option (i),
                  Client shall return to Corillian or certify to Corillian
                  destruction of all copies of the Source Code thereof within 30
                  days of notice of termination and with respect to option
                  (iii), regardless of whether Client shall have previously
                  exercised its election to receive the Source Code, Corillian
                  shall complete the knowledge transfer obligation specified in
                  Section 11 of the Support Services Schedule and under the
                  Escrow Agreement, if it has not already done so, and until
                  such completion shall continue to provide problem resolution
                  services on a time and materials basis, and Client shall pay
                  the exit fee upon completion of knowledge transfer.

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         6.2.2    For personal injury caused by Corillian's fault or negligence,
                  Client's remedies shall be provided as under applicable law
                  subject to the limitation contained in section 6.3 below.

6.3      EXCEPT AS SET FORTH IN SECTION 7.1 HEREOF, UNDER NO CIRCUMSTANCES SHALL
         EITHER PARTY BE LIABLE FOR ANY INDIRECT, SPECIAL OR CONSEQUENTIAL
         DAMAGES, ARISING OUT OF OR IN CONNECTION WITH THE USE OF THE PRODUCTS
         OR ANY SERVICES PROVIDED IN CONNECTION WITH THIS AGREEMENT OR ANY OTHER
         ASPECT OF THIS AGREEMENT, INCLUDING LOST REVENUES OR PROFITS, LOSS OF
         BUSINESS, OR LOSS OF DATA, REGARDLESS OF WHETHER A CLAIM IS BASED ON
         CONTRACT, TORT, OR OTHERWISE, EVEN IF SUCH PARTY WAS ADVISED OR HAD
         REASON TO KNOW OF THE POSSIBILITY THEREOF.

6.4      THE PARTIES HAVE AGREED THAT THE LIMITATIONS SPECIFIED IN THIS SECTION
         SIX WILL SURVIVE AND APPLY EVEN IF ANY LIMITED REMEDY SPECIFIED IN THIS
         AGREEMENT IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE.

7.       INFRINGEMENT OF INTELLECTUAL PROPERTY RIGHTS; INDEMNIFICATION

7.1      Corillian agrees to defend, indemnify and hold harmless Client and its
         Affiliates against any third-party claims, liabilities, losses,
         damages, costs and expenses (including reasonable attorneys' fees)
         arising from or in connection with any claim that the Products, as used
         within the scope of this Agreement, infringe or otherwise violate or
         misappropriate any copyright, patent, trademark or other proprietary
         rights of a third party. Notwithstanding the foregoing, Corillian shall
         have no obligation to indemnify Client or its Affiliates if any such
         third-party claim is caused by a modification or customization of the
         Products made by Client or its Affiliates without the written consent
         of Corillian, and Corillian shall also have no obligation to indemnify
         Client or its Affiliates to the extent such a claim arises out of the
         negligence or willful misconduct of Client or its Affiliates.

7.2      In the case of any claim arising under this Section 7 or under Section
         8 hereof, (i) the indemnified party shall notify the indemnifying party
         in writing within a reasonable time of receipt of written notice of any
         such claim, (ii) the indemnifying party shall have control of the
         defense and all related negotiations, including settlement
         negotiations, provided, however that the indemnifying party shall not
         impose any obligations upon the party seeking indemnification in the
         absence of such party's written consent, and (iii) the indemnified
         party shall provide the indemnifying party with reasonable assistance,
         information and authority necessary to perform the above obligations.
         Reasonable out-of-pocket expenses incurred by the indemnified party in
         providing such assistance will be reimbursed as promptly as practicable
         by the indemnifying party.

7.3      If Client's use of any Products under the terms of this Agreement is,
         or in Corillian's opinion is likely to be, enjoined due to
         infringement, violation or misappropriation claims, then Corillian may,
         at its sole option and expense, either: (i) procure for Client the
         right to continue using such Products under the terms of this
         Agreement; (ii) replace or modify such Products so that they are
         non-infringing, violating or misappropriating and substantially
         equivalent in function; or (iii) if options (i) or (ii) above cannot be
         accomplished despite the reasonable efforts of Corillian, then
         Corillian may both:

         7.3.1    Terminate Client's rights and Corillian's obligations under
                  this Agreement with respect to such Products, and

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         7.3.2    Refund to Client the unamortized portion of the license fees
                  paid by Client to Corillian. Amortization is to be calculated
                  using a five-year straight line depreciation method.

7.4      THE FOREGOING ARE CORILLIAN'S SOLE AND EXCLUSIVE OBLIGATIONS, AND
         CLIENT'S SOLE AND EXCLUSIVE REMEDIES, WITH RESPECT TO INFRINGEMENT,
         VIOLATION OR MISAPPROPRIATION OF INTELLECTUAL PROPERTY RIGHTS.

7.5      Corillian shall have no obligations under this section 7 with respect
         to infringement or misappropriation arising from (i) modifications to
         the Products that were not authorized by Corillian, (ii) Product
         specifications requested by Client, unless approved by Corillian or
         (iii) the use of the Products in combination with products not
         provided, recommended or otherwise contemplated by Corillian, unless
         Corillian has been given prior written notice of such use and has
         approved it in writing, which approval may be granted or withheld in
         Corillian's sole discretion.

7.6      The provisions of this Section 7 shall survive the termination of this
         Agreement.

8.       INDEMNIFICATION BY CLIENT

         Client agrees to defend, indemnify and hold harmless Corillian against
         any third-party claims, liabilities, losses, damages, costs and
         expenses (including reasonable attorneys' fees) arising out of any acts
         or omissions of Client in breach of its obligations under this
         Agreement.

9.       EXPORT RESTRICTIONS

         This Agreement is expressly made subject to all laws, regulations, and
         orders relating to or other restrictions on, the export of the Products
         from the United States of America, which may be imposed from time to
         time. Client may not export or re-export the Products, including
         Third-Party Software, or Confidential Information of Corillian. The
         foregoing restrictions shall not prevent a Client customer located
         outside of the United States from accessing the Products to perform
         account transactions supported by the Products.

10.      MUTUAL RESTRICTION ON EMPLOYEE SOLICITATION

         So long as Corillian is performing services under any Support Services
         Schedule, neither Client nor Corillian shall either directly or
         indirectly, through any person with direct knowledge of the terms of
         this Agreement, solicit or offer employment to any of such other
         Party's employees, with whom such hiring Party has had contact in the
         course of performance of services under such Support Services Schedule
         either for its own business or for the business of a third party,
         except with the prior written approval of the other. The foregoing
         restriction shall not apply to Client in the event Corillian fails to
         provide any knowledge transfer or training services required pursuant
         to the Support Services Schedule or the Escrow Agreement.

11.      TERM AND TERMINATION

11.1     The term of this Agreement and the license granted pursuant to this
         Agreement shall commence upon the effective date specified above, or if
         not specified, then upon execution of this Agreement by Corillian and
         Client. The license granted hereunder is a perpetual license. Corillian
         may, in its sole discretion, sooner terminate this Agreement and the
         license granted hereunder (i) immediately if Client materially violates
         or permits the material violation of any of the provisions of section 5
         of this Agreement provided that such violation relates to a disclosure
         concerning Corillian's intellectual property rights in the Products, or
         (ii) thirty (30)

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         days after Corillian notifies Client in writing of any other breach
         by Client, provided such breach remains uncorrected thirty (30) days
         following receipt by Client of written notification of such breach,
         unless such breach is not capable of being cured within such thirty
         (30) day period, in which case such cure period shall be reasonably
         extended by Corillian. In either event, Client shall receive no
         refund of any license fee or other charges paid hereunder.

11.2     If Corillian (i) is the subject of an order for relief under Chapter 7
         or Chapter 11 of the Bankruptcy Code; (ii) is operated by a receiver,
         custodian, trustee or liquidator or as debtor in possession; (iii)
         makes an assignment for the benefit of creditors; or (iv) terminates
         substantially all of its ongoing business operations relating to the
         Products or is liquidated, Client may upon thirty (30) days prior
         written notice (a) sooner terminate this Agreement, the Support
         Services Schedule and discontinue use of the Products or (b) terminate
         the Support Services Schedule, elect to obtain Source Code pursuant to
         the Source Code Escrow Agreement, including knowledge transfer
         thereunder and pursuant to the Support Services Schedule, and
         thereafter continue to utilize the Products and the Source Code without
         payment of an exit fee. The parties agree that, in the event any of the
         contingencies set forth in this paragraph shall occur, or in the event
         Corillian files a voluntary petition for bankruptcy relief or an
         involuntary bankruptcy petition is filed against Corillian and an order
         for relief is entered, Client shall have all the rights and obligations
         provided to it under 11 U.S.C. Section 365(n).

11.3     In addition, except as otherwise expressly set forth herein, if
         Corillian commits a material breach of this Agreement, and such breach
         remains uncured thirty (30) days after Client has provided written
         notice thereof to Corillian, unless such breach is not capable of being
         cured within such thirty (30) day period, in which case such cure
         period shall be reasonably extended by Client, Client may, at its
         option (i) regardless of whether Client shall have previously received
         the Source Code pursuant to the Escrow Agreement, discontinue use of
         the Products, terminate this Agreement and cancel all obligations with
         respect to payment of custom engineering and implementation fees not
         previously incurred prior to notice of termination, and receive a
         refund of any license fees for applications not previously accepted and
         terminate the Support Services Schedule without payment of an exit fee
         and receive a pro-rata refund of fees paid thereunder; (ii) continue to
         use the Products with reductions in the License Fee and Support
         Services Fee as the parties may mutually agree shall be fair and
         equitable, or (iii) continue to use the Products, terminate the Support
         Services Schedule, receive a pro-rata refund of the Support Fees paid
         thereunder, pay Corillian an exit fee of $[ * ], or the amount owing
         under Section 13.2 of the Support Services Schedule, whichever is less
         and shall receive the Source Code pursuant to the Escrow Agreement,
         including the knowledge transfer obligation specified in Section 11 of
         the Support Services Schedule and thereunder. In the event that Client
         has previously exercised its election to receive the Source Code
         pursuant to the Escrow Agreement, Client shall have the same three
         remedies available to it. With respect to option (i), Client shall
         return to Corillian all copies of the Source Code or certify the
         destruction thereof within 30 days of notice of termination and with
         regard to option (iii), regardless of whether Client shall have
         previously exercised its election to receive the Source Code, Corillian
         shall complete the knowledge transfer obligation specified in Section
         11 of the Support Services Schedule and under the Escrow Agreement, if
         it has not already done so, and until such completion shall continue to
         provide problem

--------

         * Portion has been omitted pursuant to a request for confidential
treatment and filed separately with the Commission.

                                                                     PAGE 9
<PAGE>

         resolution services on a time and materials basis and Client shall
         pay the exit fee upon completion of knowledge transfer.

11.4     Notwithstanding the termination of this Agreement pursuant to Sections
         11.2 or 11.3, Client may not, under any circumstances, sell, disclose,
         assign, transfer in any way or dispose of the Products, any part or
         portion thereof, or the associated documentation, except as expressly
         permitted herein.

12.      AUTHORITY; COMPLIANCE WITH LAW

         Each Party represents and warrants that (i) it has the power and
         authority to enter into this Agreement and has taken all necessary
         corporate action to authorize its performance under this Agreement,
         (ii) this Agreement, when executed and delivered, will constitute a
         legal, valid and binding obligation of each such Party, enforceable in
         accordance with its terms, (iii) no consent or authorization of, filing
         with, or notice to any governmental authority is required in connection
         with its performance under this Agreement, and (iv) its entering into
         this Agreement or performance by it hereunder will not violate any
         federal, state or local licensing or other statute, rule or regulation,
         or any contractual obligation of such Party. Each Party agrees to
         comply in all material respects with all applicable laws, rules and
         regulations in connection with its activities under this Agreement.
         Without limiting the generality of the foregoing, Corillian represents
         and warrants that the Products, when implemented, will comply, or shall
         contain the functionality to permit Client to comply with all federal,
         state and local laws and regulations then applicable to the
         functionality of and services to be performed by the Products.

13.      ESSENTIAL PERSONNEL

         The Parties agree that the services of the following Corillian
         employees (individually, an "Essential Party" and collectively
         "Essential Parties") are essential to the satisfactory performance by
         Corillian of the services called for in the Product Schedule: Darrell
         Johnsrud, Stephen Schaefer, Terry Ishida and Jeff Grossman. The Parties
         further agree that if any Essential Party leaves the employ of
         Corillian prior to Client acceptance of all of the Products, as defined
         in the Product Schedule, for any reason or is unavailable to continue
         to support the performance of services called for herein, in the
         Product Schedule or Support Services Schedule, and if substitute
         individuals acceptable to Client are not available to continue within
         thirty (30) days, Client shall have the rights set forth in Section
         11.3 hereof.

14.      ARBITRATION

14.1     All disputes and controversies arising out of or in any way related to
         this Agreement, the Product Schedule and the Support Services Schedule
         shall be submitted to arbitration proceedings, which proceedings shall
         be conducted under the commercial rules then prevailing of the American
         Arbitration Association by a panel of three arbitrators. Corillian and
         Client shall modify the time schedules provided under such rules and
         shall use their best efforts to meet deadlines such that the
         arbitration is concluded within ninety (90) days following its
         initiation, or such other reasonable time as may be agreed by the
         parties. The decisions of the arbitrators shall be final and binding
         for all purposes on Corillian and Client and may be entered and
         enforced in any court of competent jurisdiction.

14.2     Both Corillian and Client acknowledge that important issues are at
         stake related to Corillian and Client's rights under this Agreement,
         the Product Schedule, the Escrow Agreement and the Support Services
         Schedule. Therefore, both Corillian and Client shall be entitled, at
         their discretion, to seek interim court relief, including, but not
         limited to, preliminary injunctive,

                                                                     PAGE 10
<PAGE>

         emergency, specific performance, and other equitable relief without
         proof of monetary damages, by application to a court of competent
         jurisdiction. Corillian's and Client's agreement immediately above
         to submit to arbitration shall not preclude Corillian or Client from
         seeking such relief pending the outcome of arbitration.

15.      FORCE MAJEURE

         Neither Party shall be held liable for failure to fulfill its
         obligations hereunder if such failure is due to a natural calamity, act
         of government, or similar cause beyond the control of such Party.
         Notwithstanding the foregoing, unless agreed to in writing by the
         non-defaulting Party, any delay exceeding ninety (90) days shall be
         grounds for termination by the non-defaulting Party if such delay is
         not cured after thirty (30) days written notice of a Party's intent to
         terminate. Client's termination rights shall be governed by Section
         11.3 hereof.

16.      SEVERABILITY

         If any provision of this Agreement is held by a court of competent
         jurisdiction to be invalid or unenforceable, that provision will be
         enforced to the maximum extent permissible and the remaining provisions
         of this Agreement will remain in full force and effect.

17.      NOTICES

         All notices, reports, instructions, requests, and other communications
         given under this Agreement shall be in writing and shall be deemed to
         have been given or made (i) if by mail, when received by certified
         mail, postage prepaid, return receipt requested; or (ii) if by
         facsimile, when sent by facsimile to the facsimile number set forth
         below with evidence of receipt by sender or (iii) if by courier, when
         received; provided, however, that either party may change its address
         or facsimile number for notices by providing notice to the other party
         of such change in the manner provided herein. Notices shall be directed
         to the following addresses or facsimile numbers:

           To Corillian:    Corillian Corporation
                            3601 S.W. Murray Blvd., Suite 300
                            Beaverton, OR 97005
                            Telephone: (503) 627-0729
                            Facsimile: (503) 641-5575
                            Attention:      Thomas Brooke

           To Client:       Wachovia Operational Services Corporation ("Client")
                            c/o Wachovia Bank, N.A.
                            101 N. Cherry Street
                            Winston-Salem, North Carolina 27102
                            Telephone: (336) 735-5815
                            Facsimile: (336) 735-5831
                            Attention:      Digital Platform Manager
                                            (Joanna Giacobbe)

18.      GENERAL GOVERNING LAW

         This Agreement shall be interpreted, construed and enforced under the
         laws of the State of New York without reference to its choice of law
         rules.

                                                                     PAGE 11
<PAGE>

19.      PRESS RELEASES

         Upon acceptance of the Products in accordance with this Agreement, or
         at such earlier time as may be mutually agreed by the parties in
         writing, the parties may issue a mutually agreed to joint press release
         describing the Agreement and the provision of Products and services
         under the Product Schedule and Support Services Schedule. Neither party
         shall issue any other public statement or press release regarding this
         Agreement or the relationship of the parties without the prior written
         approval of the other. The terms of this Agreement shall in all
         respects be considered to be Confidential Information. In the event
         that either party is required by law to make any public statement or to
         otherwise disclose the terms of this Agreement, that party agrees to
         provide reasonable notice of such disclosure and to provide a copy of
         the content of such disclosure a reasonable time prior to the time such
         disclosure shall be made.

20.      GENERAL

20.1     The failure at any time by either Party to enforce, or to exercise any
         election under, any provision of this Agreement will not be construed
         as a waiver of such provision or election, or in any way as affecting
         the validity of this Agreement or any part thereof, or the right of
         such Party thereafter to enforce, or to exercise any election under,
         each and every provision of this Agreement.

20.2     This Agreement shall inure to the benefit of, and be binding upon, the
         Parties hereto and their permitted successors and assigns.

         Corillian and Client acknowledge and agree that all rights and benefits
         of and duties owing to Client under this Agreement shall also be deemed
         to be rights and benefits of and duties owing to Client Affiliates,
         provided that such Affiliates have agreed in writing to be bound by the
         terms of this Agreement.

20.3     No amendment of this Agreement shall be binding unless it is in writing
         and signed by both Parties.

20.4     This Agreement may be executed in counterparts, each of which shall be
         deemed an original but all of which shall together constitute one and
         the same agreement.

20.5     This Agreement does not create, and shall not be construed to create,
         any joint venture or partnership between the Parties. No officer,
         employee, agent, servant or independent contractor of either Party
         shall be at any time be deemed to be an employee, servant, agent or
         contractor of the other Party for any purpose. The Parties are
         independent contractors, not employees, agents or representatives of
         each other. Neither Party has the right to bind the other to any
         agreement except as may be specifically provided herein.

20.6     Except to the extent such remedies are expressly stated to be
         exclusive, no remedy conferred by any of the specific provisions of
         this Agreement is intended to be exclusive of any other remedy. The
         election of any one remedy by a Party shall not be deemed to constitute
         a waiver of the right to pursue other available remedies.

20.7     In the event of any dispute arising out of the subject matter of this
         Agreement, the prevailing Party shall recover, in addition to any other
         damages assessed, its reasonable attorneys' fees and court costs
         incurred in arbitrating or litigating such dispute.

                                                                     PAGE 12
<PAGE>

20.8     This Agreement, the Product Schedule, the Escrow Agreement and the
         Support Services Schedule constitute the entire agreement between the
         Parties with respect to the subject matter hereof and supersede all
         prior discussions, negotiations, communications and agreements, oral or
         written, relating to the subject matter hereof.

         Each Party represents that it has read this Agreement, understands its
         terms and conditions and agrees to be bound by the Agreement, and that
         the person signing on behalf of each such Party is duly authorized to
         sign the Agreement on behalf of the Party for which s/he signs and to
         bind that Party to the terms and conditions of the Agreement.

Wachovia Operational Services Corporation          Corillian Corporation
("Client")

                                                    Date:     12/23/99
                                                          --------------------
Date:        12/22/99                               By:       /s/ Kirk Wright
     -------------------------------------------          --------------------
                                                          Kirk Wright, President
By:       /s/
    --------------------------------------------

                                                                     PAGE 13

<PAGE>

                                   CORILLIAN CORPORATION
                                 VOYAGER PRODUCT SCHEDULE

Effective Date: December 21, 1999

<TABLE>
<S>                                                          <C>
Wachovia Operational Services Corporation ("Client")         Corillian Corporation ("Corillian")
809 W. 4 1/2 Street.                                         3601 SW Murray Blvd., Suite 300
Winston-Salem, North Carolina  27150                         Beaverton, Oregon 97005
                                                             (503) 627-0729
                                                             FAX (503) 641-5575
</TABLE>

Corillian Corporation ("Corillian"), an Oregon corporation, and Client agree
that this Voyager Product Schedule (the "Product Schedule") shall be
incorporated into and made subject to the provisions of the Corillian Voyager
License Agreement (the "Agreement") as of the effective date set forth above.

1.       PRODUCTS

The following products, as modified for Client's use, have been licensed to
Client pursuant to the Agreement:

              Voyager 2.4 Transaction Processing System/Control Center
              1.0.2 OFX Banking & Bill Payment
              V-Bill Presentment 2.6
              Small Business 1.0
              Target Marketing 1.0

Each of the foregoing is referred to as a "Component". The foregoing Components
together with any applications, custom engineering items or deliverables,
scripts, templates or other software created by Corillian in the course of
performing implementation or other professional services for Client as well as
all product documentation, if any, in electronic or hard copy formats, all
related technical information, and all updates and enhancements thereto are
collectively referred to as the "Products." In addition, the term "Products"
shall include the Source Code, as defined in the Agreement.

2.       FEATURES AND FUNCTIONS

The Products shall have the features and functions and be installed in
accordance with the Project Deliverables Schedule, attached hereto as Exhibit 1.
With regard to any Phase 2 or later Component of the Products, unless otherwise
agreed, the features and functions set forth on Exhibit 1 shall be minimum
features and functions. Such Components shall have at least the features and
functions set forth on Exhibit 1, and the features and functions of the previous
version of such Component, unless otherwise agreed by the parties, and shall
have such other or additional features and functions as may be mutually agreed
by the parties.

3.       BILL PAYMENT PROCESSING

The Voyager system, and any related or later custom engineering deliverables,
will acquire bill payment instructions from Client's customers and forward the
electronic payment instructions to Client's bill pay system for processing and
payment. Client shall provide all appropriate infrastructure and support
agreements for bill payment. Bill Payment functionality is included in this
agreement based on Client's selection of a standard implementation to CheckFree
for bill pay processing.

                                       1
<PAGE>

4.       OFX SPECIFICATION AND CERTIFICATION

Corillian's Voyager OFX product has been designed to meet OFX specification
version 1.0.2 as distributed by the Open Financial Exchange committee.
Corillian is not responsible for any changes to the OFX specification and
transaction set. Corillian will make its best effort to accommodate changes
to the OFX specifications, including adoption of IFX, XML or other data
specifications, that may be distributed by the OFX standards committee,
Corillian will support subsequent versions of OFX, or versions of IFX or XML,
which are required to support banking and bill pay transactions in subsequent
commercial releases of Microsoft Money-Registered Trademark- and
Quicken-Registered Trademark-. Corillian shall not be held responsible for
any delays caused by any change to such specifications unless Corillian does
not exercise due diligence to accommodate such changes.

A third party certification company shall be authorized to perform OFX
certifications by the OFX alliance companies (CheckFree, Intuit and Microsoft.)
Corillian shall not be held responsible for any delays or missed delivery dates
by a third party unless and to the extent Corillian has contributed to such
delays or missed delivery dates.

5.       INSTALLATION AND CONFIGURATION

         5.1      The Products shall be installed and configured by Wachovia,
                  with the assistance or supervision of Corillian, or its
                  agents.

         5.2      Client shall make available computer equipment and software
                  configurations approved by Corillian as adequate to facilitate
                  the installation and implementation of the Products.

         5.3      Installation of Product Components shall be in accordance with
                  the Project Deliverables Schedule, which is attached hereto as
                  Exhibit 1, and according to such time frames as may be
                  mutually agreed by the parties.

         5.4      Client agrees to install, with Corillian's assistance, all
                  product updates, which support the features and functions
                  described in Exhibit 1.

6.       TRAINING SERVICES

Corillian shall provide the following training services at Client's location as
a part of the total project cost:

-    One-day, instructor-led training, in the use of Control Center for customer
     service supervisors and one-half day for customer service and call center
     employees.

-    One-day, instructor-led training in the use of Marketing Center for
     individuals who will be responsible for planning and executing targeted
     marketing campaigns delivered to electronic banking customers.

-    One-day, instructor-led training, for individuals who will be responsible
     for establishing, monitoring, and troubleshooting daily bill pay processing
     runs.

-    One-half day, instructor-led training, for individuals will be responsible
     for post-run bill pay reconciliation.

-    One day classroom presentation of the system architecture of all Voyager
     components, their functions and configuration, tuning and debug parameters.
     The training will identify how each type of customer (Client internal
     (i.e., Call Center), external web-based / PFM) executes all the various
     transaction types through the system. This training will cover the
     troubleshooting tools and methodologies that will be used to support the
     Voyager components.

                                       2
<PAGE>

7.       ACCEPTANCE CRITERIA

         7.1      The Parties contemplate that the installation of different
                  Components and custom engineering deliverables will be
                  completed at different times. The following are the conditions
                  that must be fulfilled prior to acceptance by Client of a
                  Component of the Products or a custom engineering deliverable:

                  7.1.1    Installation evidenced by host connectivity and
                           access to account data.

                  7.1.2    The Component or custom engineering deliverable
                           contains the features and successfully performs the
                           functions described in Exhibit 1; provided however
                           that any function not enabled due to the inability of
                           client to provide in a timely fashion support,
                           equipment, software, infrastructure or third-party
                           authorization necessary for Corillian to implement
                           such function shall be considered implemented for
                           purposes of acceptance hereunder. Notwithstanding any
                           such acceptance, Corillian agrees to complete the
                           implementation as provided in the Agreements, based
                           on a delivery schedule to be mutually agreed upon by
                           the parties, once Client provides the necessary
                           support, equipment, software, infrastructure or
                           third-party authorization.

                  7.1.3    Completion of User Acceptance Testing, the procedures
                           and time frames for which shall be as mutually agreed
                           by the parties.

                  7.1.4    Delivery of a clean installation program and a clean
                           installation.

                  7.1.5    Delivery of acceptable hardware configuration and
                           product support documentation sufficient to allow
                           Client to operate the Products on a day to day basis.

         7.2      Acceptance of a Component or custom engineering deliverable
                  shall be evidenced by (a) Client executing a document
                  substantially in the form of Exhibit 2 attached hereto, or (b)
                  commercial release of any feature or function described in
                  Exhibit 1 for use by Client's customers, whichever is earlier.

         7.3      In the event that all of the Phase 1 Core Components or custom
                  engineering deliverables are not accepted, Client may, upon
                  fifteen (15) days notice to Corillian terminate this
                  Agreement, the License Agreement and the Support Services
                  Schedule without payment of any exit fee thereunder and
                  receive a refund of all fees paid pursuant to Section 11
                  hereof, excluding expenses and fees for implementation and
                  custom engineering work incurred prior to such notice, and of
                  the Support Fees paid pursuant to Section 2 of the Support
                  Services Schedule.

         7.4      In the event that all of the Phase 2 Components or Phase 2 or
                  Phase 3 custom engineering deliverables are not accepted,
                  Client may, at its option (i) regardless of whether Client
                  shall have previously received Source Code pursuant to the
                  Escrow Agreement, discontinue use of the Products, terminate
                  this Agreement and cancel all obligations with respect to
                  payment of custom engineering and implementation fees not
                  previously incurred prior to notice of termination, and
                  receive a refund of any license fees for applications not
                  previously accepted and terminate the Support Services
                  Schedule without payment of an exit fee and receive a pro-rata
                  refund of fees paid thereunder; (ii) Client may continue to
                  use the Products with reductions in the License Fee and
                  Support Services Fee as the parties may mutually agree shall
                  be fair and equitable, or (iii) continue to use the Products,
                  terminate the Support Services Schedule, receive a pro-rata
                  refund of the Support Fees paid thereunder, pay Corillian an
                  exit fee of $[ * ], or the
--------------
* Portion has been omitted pursuant to a request for confidential treatment and
filed separately with the Commission.

                                       3
<PAGE>

                  amount owing under Section 13.2 of the Support Services
                  Schedule, whichever is less, and shall receive the Source
                  Code pursuant to the Escrow Agreement, including the
                  knowledge transfer obligation specified in Section 11 of
                  the Support Services Schedule and thereunder. In the event
                  that Client has previously exercised its election to
                  receive the Source Code pursuant to the Escrow Agreement,
                  Client shall have the same three remedies available to it.
                  With respect to option (i), Client shall return to
                  Corillian all copies of the Source Code or certify the
                  destruction thereof within 30 days of notice of termination
                  and with regard to option (iii), Corillian shall complete
                  the knowledge transfer obligation specified in Section 11
                  of the Support Services Schedule and under the Escrow
                  Agreement, if it has not already done so, and until such
                  completion shall continue to provide problem resolution
                  services on a time and materials basis and Client shall pay
                  the exit fee upon completion of knowledge transfer.

8.       DELAYS IN PROJECT DELIVERABLE SCHEDULE

         8.1      In the event that Corillian shall solely cause any of the
                  following events to be delayed by more than thirty (30) days
                  from the date agreed to as set forth in Section 8.1.1 below,
                  Client may, upon fifteen (15) days notice to Corillian
                  terminate this Agreement, the License Agreement and the
                  Support Services Schedule without payment of any exit fee
                  thereunder and receive a refund of all fees paid pursuant to
                  Section 11 hereof, excluding expenses and fees for
                  implementation and custom engineering work incurred prior to
                  such notice , and the Support Fees paid pursuant to Section 2
                  of the Support Services Schedule:

                  (a)      Completion of User Acceptance Testing for Phase 1
                           Core Components or custom engineering deliverables

                  (b)      Commencement of Employee Pilot for Phase 1 Core
                           Components or custom engineering deliverables

                  (c)      Production Release of the Phase 1 Core Components and
                           custom engineering deliverables for Use by Client
                           Customers

                  8.1.1    For purposes of determining the application of
                           remedies in paragraph 8.1, the parties will develop a
                           mutually agreed to Project Plan for Phase 1 Core
                           Component Deliverables and custom engineering
                           deliverables, which shall be made an addendum to the
                           Product Schedule. Any delay in the Project Plan for
                           Phase 1 Core Components and custom engineering
                           deliverables which is attributable to or results from
                           (i) changes to the Phase 1 Core Components or custom
                           engineering deliverables requirements made by Client
                           that the parties agree in advance will have the
                           effect of extending the project schedule, (ii) the
                           acts or omissions of Client, Client's customers,
                           employees, consultants, contractors, or other
                           third-party vendors, (iii) are mutually agreed to by
                           the parties, or (iv) are not otherwise within the
                           reasonable control of Corillian shall not be
                           considered to be solely caused by Corillian.

                  8.1.2    Specifically with respect to the OFX Component, the
                           application of remedies in Section 8,1 shall only
                           apply to a delay solely caused by Corillian in the
                           date for submission of the Component to Microsoft and
                           Intuit for OFX certification and testing, as provided
                           in the Project Plan.

         8.2      Corillian agrees to use its best efforts to implement all
         Phase 2 Components and Phase 2 and Phase 3 custom engineering
         deliverables. In the event that Corillian shall solely cause the
         production release of the Phase 2 Components or Phase 2 or Phase 3
         custom engineering deliverables to be delayed for more than thirty
         (30) days beyond the end of the [ * ], Corillian agrees to pay Client
         a penalty of $[ * ] for every additional month of delay up to a maximum

                                       4
<PAGE>

         penalty of $[ * ]. In the event that Corillian is unable to
         implement all Phase 2 Components and Phase 2 and Phase 3 custom
         engineering deliverables by the end of the [ * ] despite its best
         efforts, then Client may, at its option (i) regardless of whether
         Client shall have previously received the Source Code pursuant to
         the Escrow Agreement, discontinue use of the Products, terminate
         this Agreement and receive a refund of all custom engineering and
         implementation fees not previously incurred prior to notice of
         termination, together with refund of any license fees for
         applications not previously accepted and terminate the Support
         Services Schedule without payment of an exit fee and receive a
         pro-rata refund of fees paid thereunder; (ii) Client may continue to
         use the Products with reductions in the License Fee and Support
         Services Fee as the parties may mutually agree shall be fair and
         equitable, or (iii) continue to use the Products, terminate the
         Support Services Schedule, receive a pro-rata refund of the Support
         Fees paid thereunder, pay Corillian an exit fee of $[ * ], or the
         amount owing under Section 13.2 of the Support Services Schedule,
         whichever is less and shall receive the Source Code pursuant to the
         Escrow Agreement, including the knowledge transfer obligation
         specified in Section 11 of the Support Services Schedule and
         thereunder. In the event that Client has previously exercised its
         election to receive the Source Code pursuant to the Escrow
         Agreement, Client shall have the same three remedies available to
         it. With respect to option (i), Client shall return to Corillian all
         copies of the Source Code or certify the destruction thereof within
         30 days of notice of termination and with regard to option (iii),
         Corillian shall complete the knowledge transfer obligation specified
         in Section 11 of the Support Services Schedule and under the Escrow
         Agreement, if it has not already done so, and until such completion
         shall continue to provide problem resolution services on a time and
         materials basis and Client shall pay the exit fee upon completion of
         knowledge transfer.

                  8.2.1    Any delay in the production release of Phase 2 or
                           Phase 3 Components which is attributable to or
                           results from (i) changes to the Phase 2 or Phase 3
                           requirements made by Client that the parties agree in
                           advance shall have the effect of extending the
                           project schedule, (ii) the acts or omissions of
                           Client, Client's customers, employees, consultants,
                           contractors, or other third-party vendors, (iii) are
                           mutually agreed to by the parties, or (iv) are not
                           otherwise within the reasonable control of Corillian
                           shall not be considered to be solely caused by
                           Corillian.

9.       CANCELLATION OF PHASE 2 AND PHASE 3

Up to thirty (30) days after acceptance of all Phase 1 Components and custom
engineering deliverables, Client may cancel Phase 2 and/or Phase 3 without
cause. Cancellation relieves both Corillian and Client of their respective
obligations to one another for Phase 2 and Phase 3 deliverables but does not in
any way effect the parties' rights and continued obligations with respect to
Phase 1 deliverables as provided herein, in the Voyager License Agreement and
Support Services Schedule.

10.      SOFTWARE MAINTENANCE AND SUPPORT SERVICES

Software maintenance and support services for the Products shall be provided in
accordance with the Voyager Support Services Schedule attached hereto which is
incorporated into, and subject to the terms, of the Agreement.

--------------
* Portion has been omitted pursuant to a request for confidential treatment and
filed separately with the Commission.

                                       5
<PAGE>

11.      FEES AND EXPENSES

         11.1     INITIAL LICENSE AND IMPLEMENTATION FEES AND EXPENSES. The
                  following are the license and implementation fees for the
                  products and services described herein:

<TABLE>
                  <S>                                                                 <C>
                  1.       Voyager 2.4/Control Center License                          $[ * ]
                  2.       OFX  License                                                $[ * ]
                  3.       Implementation Services                                     $[ * ]
                  4.       Custom Engineering                                         $[ * ]*
                           Total
</TABLE>

         11.2     Phase 2 License, Custom Engineering and Implementation Fees

<TABLE>
                  <S>                                                                 <C>
                  1.       V-Bill Presentment Application License                      $[ * ]
                  2.       Small Business Application License                          $[ * ]
                  3.       Direct Marketing Application License                        $[ * ]
                  4.       Implementation Services                                     $[ * ]
                  5.       Custom Engineering                                         $[ * ]*
                           Total
</TABLE>

         11.3     Phase 3 Custom Engineering Fees

<TABLE>
                  <S>                                                                 <C>
                  1.       Custom Engineering                                         $[ * ]*

                           Total                                                      $[ * ]*
</TABLE>

         *The custom engineering items are an estimate only based on a time and
         material basis at $1,500/day, but shall not exceed the quoted estimate
         unless the provision of services covering such work as described within
         Exhibit 1 shall change by mutual agreement of the parties.

                  In addition to the fees described above, Client shall pay
Corillian its reasonable out-of-pocket expenses incurred in connection with
implementation and training including, but not limited to, air travel, local
transportation, hotel rooms, meal expenses and communication costs, provided,
however, that all Corillian travel shall be first approved by a designated
Wachovia Project Manager and that all other expenses conform to mutually
acceptable guidelines to be developed by the parties.

         Any amounts previously paid by Client pursuant to a Proof of Concept
Agreement or a Professional Services Agreement shall be credited toward the
Phase 1 payment set forth above.

         11.4 PAYMENT OF LICENSE, CUSTOM ENGINEERING AND IMPLEMENTATION FEES AND
EXPENSES.

                  11.4.1   Phase 1: One-hundred percent (100%) of the license
                           fee associated with Voyager 2.4 l shall be paid upon
                           execution of this Agreement, one-hundred percent
                           (100%) of the OFX license fees shall be paid upon
                           acceptance by Client or commercial release for use by
                           Client's customers of the same. Fees associated with
                           custom engineering, implementation, as well as
                           Corillian's expenses, shall be paid on an as incurred
                           monthly basis.

                  11.4.2   Phase 2: , One-hundred percent (100%) of the V-Bill
                           Presentment, Small Business and Direct Marketing
                           application license fees shall be paid upon
--------------
* Portion has been omitted pursuant to a request for confidential treatment and
filed separately with the Commission.

                                       6
<PAGE>

                           acceptance by Client or commercial release for use by
                           Client's customers of the same. Phase 2 Product
                           Components Fees associated with custom engineering,
                           implementation, as well as Corillian's expenses,
                           shall be paid on an as incurred monthly basis.

                  11.4.3   Phase 3: Fees associated with custom engineering,
                           implementation, as well as Corillian's expenses,
                           shall be paid on an as incurred monthly basis.,

                  11.4.4   Client agrees to pay Corillian all fees due within 30
                           days of receipt of invoice.

11.5 RECURRING FEES. Client shall pay the following recurring fees: An annual
maintenance as set forth in the Voyager Support Services Schedule beginning
January 1, 2001, as more particularly set forth therein.

Each party represents that it has read this Product Schedule, understands its
provisions and that the Product Schedule is a part of the Agreement, and that
the person signing the Product Schedule on behalf of each party is authorized to
do so.

Wachovia Operational Services Corporation    Corillian Corporation

DATE:                                        DATE:
           12/22/99                                     12/23/99
-----------------------------------------    -----------------------------------

BY:                                          BY:
    /s/                                                  /s/ Kirk Wright
-----------------------------------------    -----------------------------------
                                             Kirk Wright, President

                                       7

<PAGE>

                                                                           PRISM
                                                     Phase One Solution Overview
                                                         Version 2.01 12/13/1999
--------------------------------------------------------------------------------
PHASE ONE - SOLUTION OVERVIEW
The Prism Phase One/"Day 1" release will consist of RETAIL/CONSUMER BANKING,
BILL PAY (via CheckFree) and OFX/PFM DOWNLOAD functionality.

SIGN-ON/AUTHENTICATION and ENROLLMENT will be based on Prism's chosen Directory
Services infrastructure (design details yet to be determined by Prism; current
understanding is that Prism's single sign-on solution will redirect to our
server extension for Voyager sign-on and assumes Prism's solution for handling
ID of "customer" and "bank" will seamlessly integrate with current Voyager
customer relationship/association design).

Prism's INET SERVICES team is developing an in-house solution for MAINFRAME
CONNECTIVITY.

HTML SIGN-ON & ENROLLMENT
- Corillian to deliver client layer/HTML to be integrated with Prism Directory
Services solution.

<TABLE>
<CAPTION>
 --------------------------------------- ------------- ------------ -------------- ----------------------------------------------
 HTML SIGN-ON & ENROLLMENT               CORE OR       CUSTOM       CUSTOM ENG
 FUNCTIONALITY/DELIVERABLE               CUSTOM        OWNER        DAYS           DEFINITION AND/OR NOTES
 --------------------------------------- ------------- ------------ -------------- ----------------------------------------------
 <S>                                     <C>           <C>          <C>            <C>
 A.       [ * ]                          Custom        Mike Leach   7              [ * ]
 --------------------------------------- ------------- ------------ -------------- ----------------------------------------------
 B.       [ * ]                          Custom        Mike Leach   6              [ * ]
 --------------------------------------- ------------- ------------ -------------- ----------------------------------------------
 C.       [ * ]                          Custom        Mike Leach   6              [ * ]
 --------------------------------------- ------------- ------------ -------------- ----------------------------------------------
 D.       [ * ]                          Custom        Mike Leach   6              [ * ]
 --------------------------------------- ------------- ------------ -------------- ----------------------------------------------
 E.       [ * ]                          Custom        Mike Leach   7              [ * ]
 --------------------------------------- ------------- ------------ -------------- ----------------------------------------------
</TABLE>

HTML BANKING
-Designed for / supports browsers of version 4.0 or higher (IE, Netscape, AOL),
128 bit encryption with scripting enabled.

<TABLE>
<CAPTION>
 --------------------------------------- ------------- ------------ -------------- --------------------------------------------
 HTML BANKING                            CORE OR       CUSTOM       CUSTOM ENG
 FUNCTIONALITY/DELIVERABLE               CUSTOM        OWNER        DAYS           DEFINITION AND/OR NOTES
 --------------------------------------- ------------- ------------ -------------- --------------------------------------------
 <S>                                     <C>           <C>          <C>            <C>
 A.       [ * ]                          Custom        Mike Leach   7              [ * ]
 --------------------------------------- ------------- ------------ -------------- --------------------------------------------
 B.       ACCOUNT BALANCES /SUMMARY      Core                       N/A            - DDA (Checking, Savings, Money Market),
                                                                                     TDA (CDs), Brokerage, Line Of Credit,
                                                                                     Installment Loans, Credit Cards
                                         Custom        Mike Leach   11             -[ * ]
 --------------------------------------- ------------- ------------ -------------- --------------------------------------------
 C.       ACCOUNT DETAIL / HISTORY       Core          N/A          N/A            -For all Accounts listed within "Account
                                                                                    Balances" except Brokerage, Installment
                                                                                    Loans and CDs
                                         Custom        Mike Leach   11             [ * ]
 --------------------------------------- ------------- ------------ -------------- --------------------------------------------
 D.       [ * ]                          Custom        Mike Leach   5              [ * ]
 --------------------------------------- ------------- ------------ -------------- --------------------------------------------
 E.       [ * ]                          Custom        Mike Leach   7              [ * ]
 --------------------------------------- ------------- ------------ -------------- --------------------------------------------
</TABLE>

--------
* Portion has been omitted pursuant to a request for confidential treatment and
  filed separately with the Commission.
* Portion has been omitted pursuant to a request for confidential treatment and
  filed separately with the Commission.

                                       1
<PAGE>

<TABLE>
<CAPTION>
 --------------------------------------- ------------- ------------ -------------- -----------------------------------------------
 HTML BANKING                            CORE OR       CUSTOM       CUSTOM ENG
 FUNCTIONALITY/DELIVERABLE               CUSTOM        OWNER        DAYS           DEFINITION AND/OR NOTES
 --------------------------------------- ------------- ------------ -------------- -----------------------------------------------
 <S>                                     <C>           <C>          <C>            <C>
 F.       FUNDS TRANSFER                 Core          N/A                         -Will provide ablility for cust. to transfer
                                                                                    funds within any account within their profile
                                                                                    within the same bank (intra-profile); single,
                                                                                    recurring, same day (assumes day is bank
                                                                                    processing dat), future dated
                                         Custom        Mike Leach   7              [ * ]
 --------------------------------------- ------------- ------------ -------------- -----------------------------------------------
 G.       [ * ]                          Custom        Mike Leach   10             [ * ]
 --------------------------------------- ------------- ------------ -------------- -----------------------------------------------
 H.       FUNDS TRANSFER - MODIFY        Core          Mike Leach   9              -View pending, modify "from," "to,"
                                                                                     "date", "amount,"
          PENDING                        Custom                                    [ * ]
 --------------------------------------- ------------- ------------ -------------- -----------------------------------------------
 I.       FREQUENTLY ASKED QUESTIONS     Core          N/A          N/A            Prism DFS to provide content
          (FAQS) PAGE
 --------------------------------------- ------------- ------------ -------------- -----------------------------------------------
 J.       TERMS & CONDITIONS PAGE        Core          N/A          N/A            Prism Legal, Compliance & Marketing to
                                                                                   provide content
 --------------------------------------- ------------- ------------ -------------- -----------------------------------------------
 K.       SECURITY INFORMATION PAGE      Core          N/A          N/A            Prism DFS to provide content
 --------------------------------------- ------------- ------------ -------------- -----------------------------------------------
 L.       CUSTOMER SERVICE CENTER        Core          N/A          N/A            [ * ]

                                         Custom        Mike Leach
 --------------------------------------- ------------- ------------ -------------- -----------------------------------------------
</TABLE>

HTML BILL PAY

<TABLE>
<CAPTION>
 --------------------------------------- ------------- ------------ -------------- -------------------------------------------
 HTML BILL PAY                           CORE OR       CUSTOM       CUSTOM ENG
 FUNCTIONALITY/DELIVERABLE               CUSTOM        OWNER        DAYS           DEFINITION AND/OR NOTES
 --------------------------------------- ------------- ------------ -------------- -------------------------------------------
 <S>                                     <C>           <C>          <C>            <C>
 A.       [ * ]                          Custom        Jeff         250            -[ * ]
                                                       Madison
 --------------------------------------- ------------- ------------ -------------- -------------------------------------------
 B.       [ * ]                          Custom        Mike Leach   8              [ * ]
 --------------------------------------- ------------- ------------ -------------- -------------------------------------------
 C.       PAYEE & PAYMENT MANAGEMENT     Core          N/A          N/A            -Add, delete, activate, archive payees
                                                                                   [ * ]
                                         Custom        Jeff         15
                                                       Madison
 --------------------------------------- ------------- ------------ -------------- -------------------------------------------
 D.       PAYEE & PAYMENT  HISTORY       Core          N/A          N/A            With table sorting
 --------------------------------------- ------------- ------------ -------------- -------------------------------------------
 E.       [ * ]                          Custom        Mike Leach   4              [ * ]
 --------------------------------------- ------------- ------------ -------------- -------------------------------------------
 F.       CANCEL BILL PAY                Core          N/A          N/A
 --------------------------------------- ------------- ------------ -------------- -------------------------------------------
 G.       [ * ]                          Custom        Jeff         21             [ * ]
                                                       Madison &
                                                       Milind
                                                       Pandit
 --------------------------------------- ------------- ------------ -------------- -------------------------------------------
 H.       [ * ]                          Custom        Jeff         25             [ * ]
                                                       Madison
 --------------------------------------- ------------- ------------ -------------- -------------------------------------------
</TABLE>

--------
* Portion has been omitted pursuant to a request for confidential treatment and
filed separately with the Commission.

                                      2
<PAGE>

OFX

<TABLE>
<CAPTION>

 --------------------------------------- ------------- ------------ -------------- -----------------------------------------------
 OFX                                     CORE OR       CUSTOM       CUSTOM ENG
 FUNCTIONALITY/DELIVERABLE               CUSTOM        OWNER        DAYS           DEFINITION AND/OR NOTES
 --------------------------------------- ------------- ------------ -------------- -----------------------------------------------
 <S>                                     <C>           <C>          <C>            <C>
 A.       [ * ]                          Custom        Mike Leach   11             [ * ]
 --------------------------------------- ------------- ------------ -------------- -----------------------------------------------
 B.       FINANCIAL INSTITUTION PROFILE  Core          N/A          N/A
 --------------------------------------- ------------- ------------ -------------- -----------------------------------------------
 C.       ACCOUNT INFO. REQUEST          Core          N/A          N/A            -Same as HTML Balances/Summary
 --------------------------------------- ------------- ------------ -------------- -----------------------------------------------
 D.       STATEMENT REQUEST              Core                       N/A            -Same as HTML Detail/History
                                                                                   [ * ]
                                         Custom        Mike Leach   11
 --------------------------------------- ------------- ------------ -------------- -----------------------------------------------
 E.       FUNDS TRANSFER                 Core                       N/A            Will provide ability for customer to transfer
                                                                                   funds within any account within their profile
                                                                                   within the same bank (intra-profile)
                                         Custom        Mike Leach   11             [ * ]
 --------------------------------------- ------------- ------------ -------------- -----------------------------------------------
 F.       BILL PAYEE & PAYMENT           Core          N/A          N/A
          MANAGEMENT
 --------------------------------------- ------------- ------------ -------------- -----------------------------------------------

</TABLE>

                                       3
<PAGE>

CONTROL CENTER BACK-OFFICE TRACKING & REPORTING

<TABLE>
<CAPTION>
 --------------------------------------- ------------- ------------ -------------- --------------------------------------------
 CONTROL CENTER                          CORE OR       CUSTOM       CUSTOM ENG
 FUNCTIONALITY/DELIVERABLE               CUSTOM        OWNER        DAYS           DEFINITION AND/OR NOTES
 --------------------------------------- ------------- ------------ -------------- --------------------------------------------
 <S>                                     <C>           <C>          <C>            <C>
 A.       REPORT CENTER                  Core          N/A          N/A            i        Bill Pay Reports
                                                                                   ii       Unfunded Payments
                                                                                   iii      Paid Payments
                                                                                   iv       New Customers
                                                                                   v        Total Customers
                                                                                   vi       Total Sessions
                                                                                   vii      New vs. Total
                                                                                   viii     Session Statistics
                                                                                   ix       Total Transactions
                                                                                   x        Transactions by Group
                                                                                   xi       Unsuccessful Transactions
                                                                                   xii      Report Groups
                                                                                   xiii     Summary Status
 --------------------------------------- ------------- ------------ -------------- --------------------------------------------
 B.       RELATIONSHIP CENTER            Core          N/A          N/A            i        Customer Support Screens
                                                                                   ii       Agent Support Cases
                                                                                   iii      Agent Alert
                                                                                   iv       Monitored Transactions
 --------------------------------------- ------------- ------------ -------------- --------------------------------------------
 C.       WORKFLOW                       Core          N/A          N/A            i        Agent Management
                                                                                   ii       Case Management
                                                                                   iii      Case Detail Report
                                                                                   iv       Bill Pay Fees
                                                                                   v        Message Types
                                                                                   vi       Case Statuses
                                                                                   vii      Case Dispositions
 --------------------------------------- ------------- ------------ -------------- --------------------------------------------
D.       SYSTEM SET UP                   Custom        Pete McEvoy                 i        [ * ]
                                                                                   ii       Edit System Users
                                         Core          N/A                         iii      Add System User
                                                                                   iv       Delete System Users
                                                                                   v        View User Permissions
                                                                                   vi       View Users by Permissions
                                                                                   vii      Modify Permission Definitions
                                                                                   viii     Add Permission Definition
                                                                                   ix       User Monitor
                                                                                   x        Audit Log
                                                                                   xi       Scheduled Tasks
 --------------------------------------- ------------- ------------ -------------- --------------------------------------------
 E.       [ * ]                          Custom        Pete McEvoy  20             [ * ]
 --------------------------------------- ------------- ------------ -------------- --------------------------------------------
</TABLE>

--------
* Portion has been omitted pursuant to a request for confidential treatment and
filed separately with the Commission.

                                      4
<PAGE>

<TABLE>
<CAPTION>
 --------------------------------------- ------------- ------------ -------------- --------------------------------------------
 CONTROL CENTER                          CORE OR       CUSTOM       CUSTOM ENG
 FUNCTIONALITY/DELIVERABLE               CUSTOM        OWNER        DAYS           DEFINITION AND/OR NOTES
 --------------------------------------- ------------- ------------ -------------- --------------------------------------------
<S>                                      <C>           <C>          <C>            <C>
 F.       [ * ]                          Custom        Pete McEvoy  20             [ * ]
 --------------------------------------- ------------- ------------ -------------- --------------------------------------------
 G.       [ * ]                          Custom        Pete McEvoy
 --------------------------------------- ------------- ------------ -------------- --------------------------------------------

</TABLE>

[ * ] DATABASE CONVERSION/MIGRATION (CUSTOM)   PAUL MURPHY; XXX ENG. DAYS
To convert from Prism's current online banking and bill pay system [ * ] to the
Corillian Voyager Internet banking platform (SIS), Corillian will:
/ /   [ * ]
/ /   [ * ]
/ /   [ * ]

--------
* Portion has been omitted pursuant to a request for confidential treatment and
filed separately with the Commission.

                                      5
<PAGE>

VOYAGER PLATFORM

<TABLE>
<CAPTION>
                 VOYAGER         GENERAL
      PRISM      VERSION    AVAILABILITY DATE        KEY FEATURE ADDS
 ------------ ------------ ------------------- ---------------------------------
<S>           <C>          <C>                 <C>
      DAY 1       2.4*      [ *       ]         / /  Cluster support for the TRB
                                                / /  TP & TRB counters
                                                / /  SNMP support
                                                / /  Scheduled transfers
                                                / /  CheckFree SIS compatibility
                                                / /  Batch payments
</TABLE>

  *Release of SIS will be on the current database schema. An upgrade to the new
  database schema will occur at a later date.

--------
* Portion has been omitted pursuant to a request for confidential treatment and
filed separately with the Commission.

                                       6
<PAGE>

                                                                           PRISM
                                         Phase Two - Future/Planned Enhancements
                                                          Version 1.9 12/13/1999

<TABLE>
<CAPTION>

-------------------------------------------------------------------------------------------------------
PHASE TWO - FUTURE/PLANNED ENHANCEMENTS

------------------------ ------------ ---------- -------------- --------------- ----------------------
                         CORE OR
REQUIREMENT              CUSTOM       OWNER      ENG DAYS       TIMEFRAME       CUSTOMER EXPERIENCE
------------------------ ------------ ---------- -------------- --------------- ----------------------
<S>                      <C>          <C>        <C>            <C>             <C>
[CUSTOMIZED FINANCIAL    Custom       Milind     3 person       [ * ]           1. ad manager out to
PORTAL]                               Pandit     months for                     portal
                                                 proto-type
                                                 in-house                       2. from portal app
                                                 solution                       to ad manager
------------------------ ------------ ---------- -------------- --------------- ----------------------
TARGETED MARKETING        Core        N/A        N/A          [ * ]             [Bank's customer -
                                                                                surveys,
                          Custom      Milind     3 person                       questionnaires;
                                      Pandit     months of                      bank's marketing
                                                 custom work                    group: better
                                                                                message cataloging,
                                                                                integrated
                                                                                presentation of
                                                                                campaign
                                                                                construction and
                                                                                campaign
                                                                                effectiveness/net
                                                                                marketing
                                                                                contribution;
                                                                                enriched campaign
                                                                                rules]
------------------------ ------------ ---------- -------------- --------------- ----------------------
</TABLE>

<TABLE>
<CAPTION>
---------------------------------------------------------------------
CORILLIAN DESIGN APPROACH &          PRISM TECHNICAL IMPACT &
CONSIDERATIONS                       CONSIDERATIONS
----------------------------------   ---------------------------------
<S>                                  <C>
[Current strategy is to partner      [Server requirements for the
with either Vignette or              personalization engine]
Broadvision; on a parallel track,
begin prototyping inhouse solution
in concert with Steve Allaway.

1. We will establish a secure
interface using either COM or
sockets that will publish
customer indicator data upon
query from a portal
application.

2. We will establish an
interface that will accept a COM
or DNAss object from a portal
app to process as a customer
indicator within ad manager.]
----------------------------------   ----------------------------------
[Creation of "events" to track       [Larger demands on database
activity and profitability of        server; training to use new tool
the entire marketing campaign;       to add their own indicators (if
separation of Marketing Center       desired); possible large effort
from Control Center; make/buy        to upgrade this release.]
tool to ease bank's ability to
add new indicators without
calling on Professional
Services; more robust data
mining support.

"Events" could become a shared
technology with a
personalization solution.]
----------------------------------   ----------------------------------
</TABLE>

--------
* Portion has been omitted pursuant to a request for confidential treatment and
filed separately with the Commission.

                                      1
<PAGE>

<TABLE>
<CAPTION>
------------------------ ------------ ---------- -------------- --------------- ----------------------
                         CORE OR
REQUIREMENT              CUSTOM       OWNER      ENG DAYS       TIMEFRAME       CUSTOMER EXPERIENCE
------------------------ ------------ ---------- -------------- --------------- ----------------------
<S>                      <C>          <C>        <C>            <C>             <C>
SMALL BUSINESS           Core         N/A        N/A                            [-Security by
                                                                                status/service/page/co
                         Custom       Pete       50                             account
                                      McEvoy                                    -onUs stripping
                                                                                -transaction
                                                                                approval - workflow
                                                                                -menu driven]
------------------------ ------------ ---------- -------------- --------------- ----------------------
[SPECIAL `WELCOME' FOR   Custom        Mike       4                              [User signs on. If
"PROSTRATEGY"                          Leach                                     they meet the
CUSTOMERS.]                                                                      criteria for being a
                                       Milind       If                           pro strategy
                                       Pandit       integrated                   customer, a special
                                                    w/ Marketing                 welcome HTML page is
                                                    Center, 2                    displayed, possibly
                                                    weeks of                     with personalized
                                                    custom work                  offers or news.]
------------------------ ------------ ---------- -------------- --------------- ----------------------
</TABLE>

<TABLE>
<CAPTION>
---------------------------------------------------------------------
CORILLIAN DESIGN APPROACH &          PRISM TECHNICAL IMPACT &
CONSIDERATIONS                       CONSIDERATIONS
----------------------------------   ---------------------------------
<S>                                  <C>
-[Account aggregation through         -[user training
 sql profile                          -enrollment/authentication
-Authentication against host for      -portal connections]
 access and against db for profile
-transaction approval through
 com object
-secure message where no
 transactions are available
-realtime transactions to
 loan/investment/credit card.
-workflow through sql database
 w/com interface]
----------------------------------   ---------------------------------
[Modify Host Interface Profile       [Modifying Profile transaction
transaction to return strategy       during day 1 development will
code. Client DHTML checks            lessen long term development and
strategy code at signon for          testing resource needs].
conditional branching.]
----------------------------------   ---------------------------------
</TABLE>

                                       2
<PAGE>

<TABLE>
<CAPTION>
------------------------ ------------ ---------- -------------- --------------- ----------------------
                         CORE OR
REQUIREMENT              CUSTOM       OWNER      ENG DAYS       TIMEFRAME       CUSTOMER EXPERIENCE
------------------------ ------------ ---------- -------------- --------------- ----------------------
<S>                      <C>          <C>        <C>            <C>             <C>
[ABILITY TO NOTIFY       Custom        Mike      6                              [When a "Pro Strategy"
"PROSTRATEGY" PERSONAL                 Leach                                    user opens a new
BANKERS OF `OPEN NEW                                                            account or adds a
ACCOUNT' AND `ADD A                                                             service, a secure
SERVICE' CUSTOMER                      Milind    If integrated                  message is
ACTIVITY].                             Pandit    w/ Marketing                   transparently sent to
                                                 Center, 2                      the users  Personal
                                                 weeks of                       Banker.  Content of
                                                 custom work                    message describes
                                                                                transaction  activity.]
------------------------ ------------ ---------- -------------- --------------- -----------------------
[ALERTS; ABILITY TO       Either       Milind     2 person       [ * ]          [Users receive
INTERFACE WITH AND        Core         Pandit     weeks of                      alerts of critical
DISPLAY ALERTS COMING     or Custom               custom work                   events, either by
FROM LEGACY SYSTEMS                                                             e-mail,
AND PERSONALIZATION                                                             telephone/pager, or
ENGINE.]                                                                        upon login]
------------------------ ------------ ---------- -------------- --------------- -----------------------
[INTRAPROFILE/INTERSTATE  Custom       Mike       12                            [Accounts from
TRANSFERS]                             Leach                                    Wachovia banks in
                                                                                other states are
                                                                                made available as
                                                                                transfer to and from
                                                                                accounts.]
------------------------ ------------ ---------- -------------- --------------- -----------------------
[INTERBANK VIA ACH        Custom       Mike       30                            [TBD. Best case:
WITH PRENOTE]                          Leach                                    User enters outside
                                                                                bank account
                                                                                information. Has
                                                                                transfer to and from
                                                                                capability. Pre-note
                                                                                authentication may
                                                                                be necessary.]
------------------------ ------------ ---------- -------------- --------------- -----------------------
</TABLE>

<TABLE>
<CAPTION>
--------------------------------------------------------------------
CORILLIAN DESIGN APPROACH &         PRISM TECHNICAL IMPACT &
CONSIDERATIONS                      CONSIDERATIONS
---------------------------------   ---------------------------------
<S>                                 <C>
 [Can be via secure message or      [Prism will have to make
 email (as long as no customer      demographic determinations
 sensitive data is being passed).   during enrollment for Voyager to
 Dependency on strategy code        send messages to Personal
 defined above. Conditional         Bankers re: enrollment activity.]
 branch sends secure message to
 PB before displaying special
 welcome.]
 ---------------------------------- ---------------------------------
 [A general "event" construct       [Need to aggregate information
 that once triggered, routes        from diverse sources (for stock
 messages, aggregates statistics,   quotes, etc.) Larger demands on
 optionally captures cost           database server; training to use
 drivers. Need to consider          new tool to add their own
 "rules" UI for specifying          indicators (if desired);
 alerts.]                           possible large effort to upgrade
                                    this release.]
 ---------------------------------- ---------------------------------
 [Dependency on receiving bank      [Provide all info necessary from
 routing numbers from host          host to Voyager to execute
 account transaction (already       transaction.]
 designed, needs to be
 implemented).]
 ---------------------------------- ---------------------------------
 [Need pre-note authorization       [TBD. If pre note required, then
 before allowing ACH? Legal or      Voyager would need host driven
 liability issues? Minor change     data to determine if an ACH has
 to UI for FI routing #. Host       been approved.]
 needs holding account for ACH.
 If no realtime capability from
 host or Clearinghouse then batch
 with executive trigger needs to
 be implmented.]
 ---------------------------------- ---------------------------------
</TABLE>

--------
* Portion has been omitted pursuant to a request for confidential treatment and
filed separately with the Commission.

                                      3
<PAGE>

<TABLE>
<CAPTION>
------------------------ ------------ ---------- -------------- --------------- ----------------------
                          CORE OR
REQUIREMENT               CUSTOM       OWNER      ENG DAYS       TIMEFRAME      CUSTOMER EXPERIENCE
------------------------ ------------ ---------- -------------- -------------- ----------------------
<S>                       <C>          <C>        <C>            <C>            <C>
[PAY WACHOVIA BILLS       Custom       Mike       27                            TBD
WITH A NON-WACHOVIA                    Leach
ACCOUNT, VIA ACH, WITH
PRENOTE]
------------------------ ------------ ---------- -------------- --------------- ----------------------
[PAY WACHOVIA CREDIT      Custom       Mike      27                             TBD
CARD WITH NON-WACHOVIA                 Leach
ACCOUNT, VIA ACH, WITH
PRENOTE]
------------------------ ------------ ---------- -------------- --------------- ----------------------
[BILL PAY CALENDAR]       Custom       Mike       15                            [User selects
                                       Leach                                    pending payments
                                                                                link from menu. A
                                                                                calendar displays
                                                                                1-3 months of dates
                                                                                with pending payment
                                                                                data within relevant
                                                                                cells. Cell info is
                                                                                hyperlinked to
                                                                                payment details.]
------------------------ ------------ ---------- -------------- --------------- ----------------------
</TABLE>

<TABLE>
<CAPTION>
--------------------------------------------------------------------
CORILLIAN DESIGN APPROACH &         PRISM TECHNICAL IMPACT &
CONSIDERATIONS                      CONSIDERATIONS
---------------------------------   ---------------------------------
<S>                                 <C>
TBD. Related to above.              TBD

----------------------------------  ---------------------------------
Same as above.                      TBD

----------------------------------  ---------------------------------
[DHTML table matrix with dates.     None
PendPmts transaction response
mapped to matrix Row/Cols. Use
3rd party tool for calendar?]

---------------------------------- ----------------------------------
</TABLE>

                                      4
<PAGE>

<TABLE>
<CAPTION>
------------------------ ------------ ---------- -------------- --------------- ----------------------
                         CORE OR
REQUIREMENT              CUSTOM       OWNER      ENG DAYS       TIMEFRAME       CUSTOMER EXPERIENCE
------------------------ ------------ ---------- -------------- --------------- ----------------------
<S>                      <C>          <C>        <C>            <C>             <C>
["ON US" BILL PAY WITH   Core         N/A        0-40 days:                     [When adding a
WACHOVIA MERCHANT PICK                                                          payee, user can
LIST (MPL); INTERNAL     Custom       Jeff       Using                          either select from a
ACCOUNT TYPES AND                     Madison    standard                       list of
CORPORATE                                        matching                       Wachovia-defined
RELATIONSHIPS]                                   algorithm                      merchants or simply
                                                 and existing                   enter the payee
                                                 file format                    information from
                                                 = 0                            their bill.  If the
                                                                                latter, Voyager will
                                                 Custom                         attempt to find
                                                 matching                       merchants on the
                                                 algorithm =                    list the appear to
                                                 10                             match the typed
                                                                                information.
                                                 Custom file                    Candidate matches
                                                 format = 15                    are presented to the
                                                                                user.  If he picks
                                                 Additional                     one, it will be
                                                 requirement                    identified as an
                                                 for response                   on-us merchant, just
                                                 file                           as if they had
                                                 processing =                   selected it from the
                                                 15                             original pick list.
                                                                                If no matches are
                                                                                found or if the user
                                                                                indicates none of
                                                                                the candidates are a
                                                                                match, the payee is
                                                                                considered
                                                                                non-standard, and
                                                                                will not be paid
                                                                                on-us.]
------------------------ ------------ ---------- -------------- --------------- ----------------------
</TABLE>

<TABLE>
<CAPTION>
--------------------------------------------------------------------
CORILLIAN DESIGN APPROACH &         PRISM TECHNICAL IMPACT &
CONSIDERATIONS                      CONSIDERATIONS
---------------------------------   ---------------------------------
<S>                                 <C>
[A database table stored a list     [Wachovia has three options for
of standard merchants for each      allowing the user to add on-us
supported bill payment              merchants:  1) users always pick
processor, one of which is the      from list, 2) users can pick
on-us processor (i.e.,              from list or type information
Wachovia).  This table stored       from bill, or 3) users always
information necessary to 1)         type information from bill
present a list to the users and     because list is never shown.
2) match against user-provided
information, such as region and     The first is simple, but
account scheme(s).                  requires that the list be of
                                    reasonable length, which is
Once a payee is determined to be    likely the case if only Wachovia
standard, it is stamped with a      merchants are included.  The
processor ID.  Bill pay runs for    second two require that the
each processor ID are scheduled     matching algorithms be defined,
and handled separately.  Each       potentially requiring custom
can have different file formats     engineering.  If the list is
(SIS, ACH, etc.).                   very large because corporate
                                    customers are included, the
Payments to payees considered       third option may be the only
non-standard are all handled by     viable one.
the default payment processor,
which in this case would be         If the list is large but
CheckFree SIS.]                     Wachovia still wants it
                                    displayed, it can be a tiered
                                    list:  the user is first
                                    presented with a list of
                                    categories to choose from, then
                                    a list of merchants for that
                                    category.

                                    A file format for the on-us
                                    payments must be defined.
                                    Voyager currently supports SIS,
                                    ACH, and it's own format.  A
                                    custom file format can also be
                                    defined, requiring custom
                                    engineering.  Another option is
                                    an online transaction for each
                                    ]payment rather than a batch
                                    file, but this would also
                                    require custom engineering.
---------------------------------- ----------------------------------
</TABLE>

                                      5
<PAGE>

<TABLE>
<CAPTION>
------------------------ ------------ ---------- -------------- --------------- ----------------------
                         CORE OR
REQUIREMENT              CUSTOM       OWNER      ENG DAYS       TIMEFRAME       CUSTOMER EXPERIENCE
------------------------ ------------ ---------- -------------- --------------- ----------------------
<S>                      <C>          <C>        <C>            <C>             <C>
[ABILITY TO               Custom       Mike       30                             TBD
AUTHENTICATE                           Leach
NONWACHOVIA ACCOUNT
HOLDERS; TO ALLOW
PAYMENT FOR
NON-BANKING SERVICES
(I.E., WHITE PAPERS,
PLANNING TOOLS, ETC.)
VIA NONWACHOVIA
ACCOUNT OR CREDIT
CARD.]
------------------------ ------------ ---------- -------------- --------------- ----------------------
[ENHANCED TRANSACTION     Custom       Mike       12                             [User enters string
SEARCH AND SORT; AS                    Leach                                     into text input box;
MORE HISTORY IS MADE                                                             transaction table is
AVAILABLE - WHERE                                                                resorted to display
SHOULD SORTING OCCUR,                                                            only transactions
WHAT THE OPTIONS                                                                 that contain the
(I.E., CLIENT VS.                                                                search string.
VOYAGER, VS. MAINFRAME                                                           Rules based interface
TIER?)]                                                                          (similar to Target
                                                                                 Marketing) may allow
                                                                                 user to select
                                                                                 transactions that
                                                                                 are greater/less
                                                                                 than a defined
                                                                                 amount AND contain a
                                                                                 user defined search
                                                                                 string in the
                                                                                 description.]
------------------------ ------------ ---------- -------------- --------------- ----------------------
BILL PRESENTMENT         Core         N/A        N/A
------------------------ ------------ ---------- -------------- --------------- ----------------------
[INTEGRATION WITH                     Terry
MARKETWAVE ]             Custom       Ishida     ?
------------------------ ------------ ---------- -------------- --------------- ----------------------

</TABLE>

<TABLE>
<CAPTION>
--------------------------------------------------------------------
CORILLIAN DESIGN APPROACH &         PRISM TECHNICAL IMPACT &
CONSIDERATIONS                      CONSIDERATIONS
---------------------------------   ---------------------------------
<S>                                 <C>
[Assuming Non acct holder info      [Expansion of current directory
is stored in Frank Fragapane's      server responsibilities? Per
directory server. Payment           transaction fee for using 3rd
transaction can be hosted by 3rd    party CC transaction service.]
party vendor.]

---------------------------------   ---------------------------------
 [Preference to do all sorting in   [May have to provide more info
 JavaScript at client layer to      from CICS to expand data member
 reduce TP and host usage.          options.]
 History transaction storage is
 object oriented... nearly any
 method may be added for
 searching and sorting object
 data members.]

---------------------------------- ----------------------------------
To be negotiated, pending
Wachovia requirements.
---------------------------------- ----------------------------------
To be negotiated, pending
Wachovia requirements.
---------------------------------- ----------------------------------
</TABLE>

                                      6
<PAGE>

PHASE 3 CUSTOM ENGINEERING

FEATURE LIST

The nature of the Phase 3 project is to co-design and develop a new version of
the Voyager transaction processor to support [ * ]. Such new version is expected
to be generally released by Corillian as its 3.0 version of Voyager. At this
stage, the detailed feature list is still under development. Currently, the
parties have agreed that the new version is expected to have the same basis
features functionality as Voyager 2.4, as well as the following high-level
features. Corillian will use its best efforts to implement all of the Priority 1
items listed below. Priority 2 and Priority 3 items will be implemented if or
when appropriate, as agreed upon by both Client and Corillian. Additional
features will be mutually agreed to by the parties. The feature set is also
conditional upon technical feasibility, which will be determined during the
design phase.

Wachovia prioritization is based on:
1 = Highest priority requirement
2 = Dependency on industry availability
3 = Corillian directed feature enhancement

<TABLE>
<CAPTION>
-------------------------- ----------------------------------------------------------------------------------
WACHOVIA PRIORITY          FEATURE
-------------------------- ----------------------------------------------------------------------------------
<S>                        <C>
1                          [ * ]
-------------------------- ----------------------------------------------------------------------------------
1                          [ * ]
-------------------------- ----------------------------------------------------------------------------------
1                          [ * ]

-------------------------- ----------------------------------------------------------------------------------
1                          [ * ]
-------------------------- ----------------------------------------------------------------------------------
1                          [ * ]
-------------------------- ----------------------------------------------------------------------------------
1                          [ * ]
-------------------------- ----------------------------------------------------------------------------------
1                          [ * ]
-------------------------- ----------------------------------------------------------------------------------
1                          [ * ]
-------------------------- ----------------------------------------------------------------------------------
2                          [ * ]
-------------------------- ----------------------------------------------------------------------------------
2                          [ * ]
-------------------------- ----------------------------------------------------------------------------------
2                          [ * ]
-------------------------- ----------------------------------------------------------------------------------
2                          [ * ]
-------------------------- ----------------------------------------------------------------------------------
2                          [ * ]
-------------------------- ----------------------------------------------------------------------------------
3                          [ * ]
-------------------------- ----------------------------------------------------------------------------------
3                          [ * ]
-------------------------- ----------------------------------------------------------------------------------
3                          [ * ]
-------------------------- ----------------------------------------------------------------------------------
3                          [ * ]
-------------------------- ----------------------------------------------------------------------------------
3                          [ * ]
-------------------------- ----------------------------------------------------------------------------------
3                          [ * ]
-------------------------- ----------------------------------------------------------------------------------
3                          [ * ]
-------------------------- ----------------------------------------------------------------------------------
</TABLE>

--------------
* Portion has been omitted pursuant to a request for confidential treatment and
filed separately with the Commission.

<PAGE>

                                   CORILLIAN CORPORATION
                             VOYAGER SUPPORT SERVICES SCHEDULE

Effective Date: December 21, 1999

<TABLE>
<S>                                                          <C>
Wachovia Operational Services Corporation ("Client")         Corillian Corporation ("Corillian")
809 W. 4-1/2 Street.                                         3601 SW Murray Blvd., Suite 300
Winston-Salem, North Carolina  27150                         Beaverton, Oregon 97005
                                                             (503) 627-0729
                                                             FAX (503) 641-5575
</TABLE>

Corillian, an Oregon corporation, and Client agree that this Voyager Support
Services Schedule (the "Support Schedule") shall be incorporated into and
subject to the provisions of the Corillian Voyager License Agreement (the
"Agreement") as of the effective date identified above.

1.       VOYAGER PRODUCT SUPPORT TERMS

This Support Schedule outlines the software support program provided for the
Voyager Products licensed to Client pursuant to the Agreement, as defined in the
Product Schedule (collectively the "Products"). Corillian provides support to
Client, and Client is responsible for first tier support to its customers.

Support commences on the date that any function described in Exhibit 1 of the
Product Schedule is released for commercial use by Client's customers. The
support program provided herein is for an initial term commencing as above and
ending on December 31, 2003, and shall be automatically renewed for successive
one-year terms unless terminated as set forth in Section 12 or 13 hereof. In the
event of termination of the Agreement, Corillian agrees to provide Client with
reasonable assistance in migration to a new system. Client agrees to pay
Corillian for its services in this regard on a time and materials basis at
Corillian's then prevailing rates.

Support is only available for the current release or the immediately previous
major release of the Products and only for those Products located in the region
for which Client has purchased software support. In the event Corillian elects
to terminate support for a release, Corillian agrees to provide Client with one
hundred eighty (180) days prior notice. Unless specified otherwise by Corillian
and agreed to by Client, the region is the United States of America.

Client may reinstate lapsed support by paying all support fees in arrears, a
reinstatement fee of $[ * ], and all costs invoiced by Corillian on a time and
materials basis for updating the Products to the current release. Corillian
retains the right to modify its support programs so long as such modifications
do not in any way decrease support provided to Client pursuant to the Agreement.

Corillian shall have no obligation to support: Products altered or damaged by
Client; Products modified by Client without authorization by Corillian; Products
installed on any computer hardware or operating system not supported by
Corillian; Products that are not the most current release or the immediately
previous major release; Product problems caused by Client's negligence or abuse;
use of

--------------
         * Portion has been omitted pursuant to a request for confidential
treatment and filed separately with the Commission.

                                                                         PAGE 1
<PAGE>

Products other than as specified in the Product documentation; or other
causes beyond the control of Corillian, provided however that a Year 2000
compliance failure shall not constitute a cause beyond the control of
Corillian.

2.       FEES AND EXPENSES

The fees for support services provided pursuant to this Agreement ("Support
Fee") will be in accordance with the following schedule:

<TABLE>
<S>                                               <C>
Commencement date through December 31, 2001       15% of the license fees for Voyager and all
                                                  other applications, to be prorated as to
                                                  Components not delivered until after
                                                  January 1, 2001.
</TABLE>

Thereafter, the annual base fee for support services shall be 15% of the license
fee for Voyager plus 15% of the fee for any Component (other than custom
engineering deliverables) delivered after January 1, 2001, plus 15% of the fee
for any additional product applications than those Products licensed under the
Agreement. In the event Client engages Corillian for additional custom
engineering services, and the Products so created are unique to Client, Client
shall pay an additional 15% of the fee for such additional custom engineering
services as an additional Support Fee. In the event Client engages Corillian for
additional custom engineering services, and Corillian and Client anticipate that
the Products so created will be incorporated into future Updates or New
Revisions of the Products, Client shall not pay any such additional Support Fee.
In addition to the base fee, Corillian reserves the right to increase the
support service fees on an annual basis by up to ten percent (10%). In the event
of any such increase, Corillian shall provide Client with notice of such
increase at least ninety days (90) prior to the expiration of the then current
term.

Support Fees shall be paid annually. The initial Support Fee shall be paid
effective January 1, 2001 within 30 days of receipt of invoice. Subsequent
annual payments shall be invoiced on or about January 1 and made within thirty
(30) days after receipt of invoice.

Corillian shall not provide on-site support services except to the extent that
on-site support services are required for resolution of a Priority 1 problem,
which shall be provided at no additional cost to Client. If on-site support
services are provided for other than Priority 1 problems, they will be provided
on-site only with Client's prior consent and will be billed to Client at
Corillian's then-current published rate plus reasonable expenses, including, but
not limited to, air travel, local transportation, hotel rooms and meal expenses.

3.       DEFINITION OF PRIORITIES

When reporting a problem, Client shall indicate its priority according to the
following definitions:

         PRIORITY 1: Critical: 1) The issue prevents an installed Product from
                  immediate production operation; or 2) The installed Product
                  repeatedly crashes or loses data; or 3) The installed Product
                  does not reliably complete transactions; or 4) The Product
                  cannot be installed at Client's site; 5) The Product does not
                  recover from errors properly; 6) The Product performance is
                  too slow to support the specific number of transactions; or 7)
                  The issue prevents a Product from performing as needed by the
                  Client or Client's customer.

         PRIORITY 2: Medium: 1) The Product does not behave as documented; 2)
                  The documentation is in error, is unclear, or should be
                  expanded; 3) The required

                                                                         PAGE 2
<PAGE>

                  documentation is missing; or 4) The issue should be addressed,
                  but does not have significant impact on the Client or Client's
                  customer.

         PRIORITY 3: Low: 1) Cosmetic changes and subjective preferences; 2) A
                  new feature will improve the Product's functionality,
                  usability, reliability, performance, or supportability; or 3)
                  Functionality not related to the intent of the Product.

Client is responsible for ensuring that the priority it assigns to a problem
adheres to the foregoing definitions. Corillian reserves the right to
re-prioritize a problem report that is not reasonably consistent with these
definitions. If Corillian does so, Corillian shall so advise Client in writing
and shall cooperate with Client to come to an agreement on level of priority.

4.       RESPONSE PROCEDURES AND SUPPORT LEVELS

Corillian's response is provided at multiple levels to best match the need of
the issues. Corillian will use the appropriate support level to focus attention
on the most critical issues first, and will cooperate with Client in coming to
agreement on which is the appropriate level of support for a given issue. The
following are the four levels of support:

         LEVEL A:    Onsite support for escalated issues that cannot be
                     resolved remotely.

         LEVEL B:    Seven (7) days a week, twenty four (24) hours per day
                     telephone support for Critical / Site Down issues.
                     Response time: 30 minutes.

         LEVEL C:    Standard telephone support hours 8:00 a.m. to 5:00
                     p.m. Eastern Time, Monday through Friday for
                     technical problems. Response time: 4 business hours.

         LEVEL D:    E-mail support for general questions. Response time:
                     1 business day, although development of new features
                     or functions will be in Corillian's sole discretion.

                     Priority 1 problems shall be assigned to Levels A or
                     B, Priority 2 problems shall be assigned to Levels C
                     or D, Priority 3 problems shall be assigned to Level D.

5.       REPORTING PROBLEMS AND SUPPORT CONTACTS

Corillian requires that Client designate a primary and secondary contact who
will be authorized to place support contacts.

To report a problem, the Client contact shall send a problem report via
electronic mail to the email address of support@corillian.com or, for Priority 1
or 2 problems, place a call to Corillian Support Services at 503-646-9507.
Client's report should contain Client's company name and the phone number and
email address of the person reporting the call; the priority level (in
accordance with the definitions provided above); the Product for which Client is
reporting a problem; and the platform on which the Product is installed. In the
event the Support Services telephone number is not manned 24 hours a day, seven
days a week, Corillian will provide Client with a phone number or pager number
for reporting Priority 1 problems 24 hours a day, seven days a week.

                                                                         PAGE 3
<PAGE>

6.       SUPPORT HOURS

Corillian's standard telephone support and other support services are available
Monday through Friday, 8:00 AM to 5:00 PM Eastern Time, exclusive of Corillian
holidays. Additionally, Corillian will provide 24x7 support for Priority 1 and 2
level problems. Upon execution hereof, Corillian will provide Client with a
schedule of holidays and will notify Client in writing of subsequent changes in
such schedule, provided, however, that, at a minimum, Corillian will provide
such standard telephone support on all weekdays except Client holidays. The
standard telephone support, as well as all other support provided hereunder,
begins upon production release to Client's customers of any of the product
Components and entitles Client to product support seven days a week, twenty four
hours a day. Standard telephone support and all other support to which Client is
entitled shall also be provided during the ninety (90) day warranty period
described in section 6.1.2 of the Agreement, and performance standards set forth
in Section 9.2 hereof shall also apply during such period, as well as
thereafter. Telephone support services are limited to Corillian products and
Third Party Software. Corillian reserves the right to assess a fee of two
hundred fifty dollars ($250) per hour (with a one hour minimum) for Client's
requests for support for non-Corillian products.

7.       EVENING, WEEKEND AND HOLIDAY SUPPORT SERVICES

If Client contacts the Corillian support services personnel outside of the
standard support hours (Monday through Friday, 8:00 AM to 5:00 PM ET) for other
than a Priority 1 or Priority 2 problem condition, Client agrees to pay
Corillian two hundred and fifty dollars ($250) per hour (with a one hour
minimum.)

8.       ACTION PLANNING AND COMMUNICATION

In reference to any Priority 1 problem reports, Corillian will immediately use
its best efforts to restore the system to proper operation (if necessary) and,
within five (5) days of escalation, provide an action plan for a long term fix
for the issue. The action plan will include details on the nature of the fix and
the time frame of resolution. Corillian and Client acknowledge that under some
circumstances it may be most expedient for Corillian's support personnel to dial
in and directly access Client's computer facilities. Additionally, for problems
other than Priority 1 problems, for which such services are provided at no cost
pursuant to Section 2 above, Corillian may under some circumstances make support
personnel available for on-site work at Client's location (with Client's
approval), at an additional then-current cost as outlined in section 2 above.
Daily review of status throughout the entire process will be available to Client
through Corillian's normal technical support personnel.

9.       CONTENT OF SUPPORT AND PRODUCT UPGRADES

9.1      In addition to the obligations set forth in Sections 1 through 8
         hereof, in all situations involving a Priority 1 problem involving a
         system outage, Corillian shall endeavor to restore the Product to
         reliable production within four (4) hours after such problem is
         reported to Corillian. Furthermore, in all situations involving
         performance or non-performance of the Products, Corillian shall
         endeavor to supply as soon as practicable code corrections as required
         to enable the Products to perform the functions described in Exhibit 1
         attached to the Product Schedule, including participation in the action
         planning and communication activities set forth in Section 8 above. In
         the event that Corillian is unable to make the Products operate as set
         forth in Exhibit 1 within 60 days of notification of a problem, that
         Client may exercise termination rights pursuant to Section 13.4 below,
         provided, however, that the foregoing shall not apply to problems
         attributable to or which Corillian is prevented from remedying as
         required above because of (i) the acts or omissions of Client, Client's
         customers, employees, consultants, contractors, or other third-party
         vendors; (ii) interruption in data communication

                                                                         PAGE 4
<PAGE>

         resulting from the acts or omissions of Client or a third party; (iii)
         hardware or third-party software failures; or (iv) other causes beyond
         the control of Corillian.

9.2      Corillian warrants that within 24 hours of notice of a Priority 1
         problem that causes total systems unavailability of the Products,
         Corillian shall restore systems availability of the Products. For the
         first breach of this warranty during a support term, Corillian agrees
         to provide Client with a rebate of $[ * ] to be applied against
         prospective Support Fees. For any subsequent breach of this warranty
         during a support term, Client may exercise termination rights pursuant
         to Section 13.4 below. The foregoing warranty shall not apply to
         Priority 1 problems attributable to or which Corillian is prevented
         from restoring systems availability as required above because of (i)
         the acts or omissions of Client, Client's customers, employees,
         consultants, contractors, or other third-party vendors; (ii)
         interruption in data communication resulting from the acts or omissions
         of Client or a third party; (iii) hardware or third-party software
         failures; or (iv) other causes beyond the control of Corillian.

9.3      During the term of this Agreement, Corillian shall provide Client with
         any upgrades to any Product or custom engineering deliverable licensed
         pursuant to the Agreements or any subsequent agreements between the
         parties, at no additional charge excepting only reasonable charges for
         media shipping, handling, and, if required, installation services.
         Upgrades shall be furnished to the Client within thirty (30) calendar
         days of their being made generally available. Client shall not be
         required to install any upgrades which Corillian deems unnecessary to
         Client's continued use of a Product or which shall not perform their
         documented functionality. The term "upgrades" shall mean any and all
         changes to a Product that (a) improve the operating performance but do
         not materially alter the functions of the Product; (b) incorporate all
         fixes or bypasses of known system errors; (c) that are required to
         allow Client to continue to implement Bill Payment Processing in
         accordance with Checkfree SIS specification; (d) are required to
         support subsequent versions of OFX, or versions of IFX or XML, which
         are required to support banking and bill pay transactions in subsequent
         commercial releases of Microsoft Money(R) and Quicken(R). The term
         "upgrades" does not include improvements in a Product that are other
         than the items set forth in subsections (a) through (d) above and (i)
         add to or materially alter the basic functions of the Product; or (ii)
         that may be offered to Corillian's other customers for payment of
         additional or higher license fees because of improvements to the
         Product. In the event Client has licensed any custom engineering
         deliverable which is substantially similar to a product generally
         released to and supported for Corillian's other customers, and
         Corillian has provided an upgrade with regard to such product, a
         similar upgrade will be provided to Client hereunder.

9.4      During the term of this Agreement, upon written notice from Client,
         Corillian shall provide Client with modifications to any of the
         Products that are required to maintain the compliance of the Products
         with or to allow the Products to contain the functionality to permit
         Client to comply with all federal, state and local laws and regulations
         applicable to the functionality of and services to be performed by the
         Products. In the event that Corillian is required to make such
         modifications for any other customer and offers such modifications to
         the customer for no additional fee, then Corillian will provide such
         modifications to Client for no additional fee. In all other cases,
         Corillian agrees to provide Client with such modifications on a time
         and material basis. Corillian agrees to use its best efforts to provide
         Client with such

--------------
         * Portion has been omitted pursuant to a request for confidential
treatment and filed separately with the Commission.

                                                                         PAGE 5
<PAGE>

         modifications in a timely manner so that Client may be in compliance
         in accordance with the effective date of any new laws and regulations.

10.      PRODUCT ADVISORY BOARD

Two representatives of Client will be invited to participate in quarterly
Product Advisory Board meetings at Corillian to discuss strategic product
development, upcoming product releases and co-marketing opportunities.

11.      KNOWLEDGE TRANSFER AND TRAINING

In the event Client elects to receive Source Code pursuant to the Escrow
Agreement, Corillian will provide Client immediately upon release of the Source
Code from escrow in accordance with a mutually agreed to training program
knowledge transfer and training of the Source Code of the licensed Products to
include architecture overview, source code configuration review and major
component review. Client shall be entitled to the equivalent of four man weeks a
year of knowledge transfer and training for as long as Client receives support
services pursuant to this Support Schedule. In the event that Client terminates
this Support Services Schedule in connection with a request for release of the
Source Code from escrow, Corillian shall be obligated to provide only the
equivalent of four man weeks of knowledge transfer and training to be provided
immediately upon release of the Source Code from escrow. For any such on-site
training, Client agrees to pay Corillian's reasonable expenses, including, but
not limited to, air travel, local transportation, hotel rooms and meal expenses.

12.      AVAILABILITY OF SUPPORT

12.1     Corillian agrees, either directly or through a subcontractor, to offer
         support services hereunder, until at least December 31, 2006. Corillian
         may assign or subcontract the services provided to Client pursuant to
         this Support Schedule. Corillian shall provide Client with at least one
         hundred eighty days notice of such proposed assignment or
         subcontracting, so that Client may, in its sole discretion, determine
         whether to exercise its right to receive Source Code and knowledge
         transfer pursuant to Section 11 hereof and pursuant to the Escrow
         Agreement. However, if Corillian, its successors or assignees fails,
         for any reason whatsoever, to provide to Client, directly or through an
         any third party contractor, the Product maintenance and support
         services required to be provided by Corillian, or if such support
         services are provided in such a manner that, by virtue of such failure,
         Client is unable to make commercially reasonable beneficial use of the
         Products, then Client may exercise termination rights pursuant to
         Section 13.5 below.

12.2     Subject to its obligation to offer support services at least through
         December 31, 2006, Corillian may terminate this Support Services
         Schedule by providing Client with at least one hundred eighty (180)
         days notice prior to the expiration of the then current term.

13.      TERMINATION

13.1     In the event Client has not received Source Code pursuant to the terms
         of the Escrow Agreement, Client may terminate this Support Services
         Schedule by providing Corillian at least sixty (60) days notice prior
         to the expiration of the then current term.

13.2     In the event Client has received Source Code pursuant to the terms of
         the Escrow Agreement, and Client is not terminating pursuant to the
         provisions of Section 13.3, 13.4 or 13.5 below, Client may terminate
         this Support Services Schedule at any time by providing notice to
         Corillian and paying an exit fee in accordance with the following
         schedule:

                                                                         PAGE 6
<PAGE>

         13.2.1  From the effective date above and for 18 months thereafter:

                  (a) If Client no longer utilizes the Products in any way, then
                  the exit fee shall equal $[ * ]

                  (b) If Client continues to utilize the Products, then the exit
                  fee shall equal $[ * ].

         13.2.2  19 months--3 years from the effective date:

         The exit fee shall equal $[ * ]

         13.2.3  4 years--6 years from the effective date:

         The exit fee shall equal the unamortized portion of the $[ * ].
         Amortization begins in year 4 and is calculated using a three-year
         straight line depreciation method.

         13.2.4   After 6 years from the effective date above, Client may
                  terminate the Support Schedule prior to the end of the then
                  current term, continue to utilize the Products and pay no exit
                  fee..

13.3     In addition, regardless of whether Client has received the Source Code
         pursuant to the terms of the Escrow Agreement, Client may terminate
         this Support Services Schedule in accordance with the terms of Section
         7 or 8 of the Product Schedule or Section 6.2.1, 11.2 or 11.3 or 15 of
         the Agreement.

13.4     In addition, regardless of whether Client has received the Source Code
         pursuant to the terms of the Escrow Agreement, Client may terminate
         this Support Services Schedule at any time pursuant to the provisions
         of Section of 9.1 or 9.2 hereof. In such case, Client may at its option
         (i) discontinue use of the Products, terminate the License Agreement,
         and cancel all obligations with respect to payment of custom
         engineering and implementation fees not previously incurred prior to
         notice of termination, together with refund of any license fees for
         applications not previously accepted, terminate the Support Services
         Schedule without payment of an exit fee and receive a pro-rata refund
         of the Support Fees paid hereunder; (ii) continue to use the Products
         with a reduction in the License Fee or Support Services Fee as the
         parties mutually agree shall be fair and equitable or (iii) continue to
         use the Products, terminate the Support Services Schedule, receive a
         pro-rata refund of the Support Fees paid hereunder and pay Corillian an
         exit fee of $[ * ] or the amount owing under Section 13.2 of the
         Support Services Schedule, whichever is less and shall receive the
         Source Code pursuant to the Escrow Agreement, including the knowledge
         transfer obligation specified in Section 11 hereunder and thereunder.
         In the event that Client has previously exercised its election to
         receive the Source Code pursuant to the Escrow Agreement, Client shall
         have the same three remedies available to it. With respect to option
         (i), Client shall return to Corillian or certify the destruction of all
         copies of the Source Code thereof within 30 days of notice of
         termination and with regard to option (iii), regardless of whether
         Client shall have previously exercised its election to receive the
         Source Code, Corillian shall complete the knowledge transfer obligation
         specified in Section 11 hereof and under the Escrow Agreement, if it
         has not already done so, and until such completion shall continue to
         provide problem resolution

--------------
         * Portion has been omitted pursuant to a request for confidential
treatment and filed separately with the Commission.

                                                                         PAGE 7
<PAGE>

         services on a time and materials basis, and Client shall pay the exit
         fee upon completion of knowledge transfer.

13.5     In addition, regardless of whether Client has received the Source Code
         pursuant to the terms of the Escrow Agreement, Client may terminate
         this Support Services Schedule at any time pursuant to Section 13.1
         hereof. In such case, Client may, at its option,(i) discontinue use of
         the Products, terminate the License Agreement, and cancel all
         obligations with respect to payment of custom engineering and
         implementation fees not previously incurred prior to notice of
         termination,, together with refund of any license fees for applications
         not previously accepted, and terminate the Support Services Schedule
         without payment of an exit fee and receive a pro-rata refund of fees
         paid hereunder; (ii) continue to use the Products with reductions in
         the License Fee and Support Services Fee as the parties mutually agree
         shall be fair and equitable, or (iii) continue to use the Products,
         terminate the Support Services Schedule receive a pro-rata refund of
         the Support Fees paid hereunder, receive the Source Code pursuant to
         the Escrow Agreement, including knowledge transfer specified in Section
         11 hereunder and thereunder. In the event that Client has previously
         exercised its election to receive the Source Code pursuant to the
         Escrow Agreement, Client shall have the same three remedies available
         to it. With respect to option (i), Client shall return to Corillian or
         certify the destruction of all copies of the Source Code thereof within
         30 days of notice of termination and option (iii), regardless of
         whether Client shall have previously exercised its election to receive
         the Source Code, Corillian shall complete the knowledge transfer
         obligation specified in Section 11 hereof, if it has not already done
         so, and shall continue to provide problem resolution services on a time
         and materials basis.

13.6     Notwithstanding Client's election to terminate the Support Services
         Schedule and obtain Source Code pursuant to the provisions of the
         Support Services Schedule and Source Code Escrow Agreements, Client may
         use the Source Code so provided solely to maintain and support the
         Products, modify, enhance, and upgrade the Products for license it has
         purchased from Corillian in accordance with the terms of such license
         so as to enable Client to make the use of the Products intended by the
         Agreement. Client may not, under any circumstances, sell, disclose,
         assign, transfer or convey in any manner, or dispose of the Source Code
         or any portion thereof, except as otherwise provided in the Agreements.
         Termination of support pursuant to this Section 13 does not in any way
         affect Client's license rights to the Products as provided in the
         Agreement.

Each Party represents that it has read this Support Services Schedule and
understands its provisions and that the person signing this Support Services
Schedule on behalf of such Party is authorized to do so.

Wachovia Operational Services Corporation    Corillian Corporation

DATE:                                        DATE:
           12/22/99                                     12/23/99
-----------------------------------------    -----------------------------------

BY:                                          BY:
    /s/                                                  /s/ Kirk Wright
-----------------------------------------    -----------------------------------
                                             Kirk Wright, President

                                                                         PAGE 8

<PAGE>

                                         EXHIBIT A

                                   CORILLIAN CORPORATION
                            VOYAGER SOURCE CODE ESCROW AGREEMENT

Effective Date: December ____, 1999

<TABLE>
<S>                                                          <C>
Wachovia Operational Services Corporation ("Client")         Corillian Corporation ("Corillian")
809 W. 4-1/2 Street.                                         3601 SW Murray Blvd., Suite 300
Winston-Salem, North Carolina  27150                         Beaverton, Oregon 97005
                                                             (503) 627-0729
                                                             FAX (503) 641-5575
</TABLE>

Corillian, by its signature indicating acceptance hereof, grants to Client a
Voyager Source Code Escrow Account ("Account") with Datasafe, Inc. ("Escrow
Agent") as agreed to herein. Corillian and Client have entered into a Voyager
License Agreement (the "License Agreement") pursuant to which Corillian will
grant to Client during the term of said Agreement a non-exclusive,
non-transferable License to use a production copy of the products named on the
Voyager Product Schedule(s) as defined therein (such products collectively
referred to herein as the "Products.")

STANDARD TERMS AND CONDITIONS

1.       ESCROW MATERIAL

The term "Escrow Material" as used in this Agreement means (i) the source code
of all of the Products, in such form that will allow Client to build and compile
usable object code, (ii) the similar source code version of any and all updates,
modifications, revisions, and enhancements to be delivered pursuant to the
Voyager License Agreement, as well as any other Products provided pursuant to
the Product Schedule of Support Services Schedule or otherwise pursuant to an
agreement with Client and (iii) any and all documentation developed by Corillian
or in its possession pertaining to the applicable source code. Without limiting
the generality of the foregoing, the "Escrow Material" shall include any
pertinent commentary or explanation that may be necessary to render the source
code understandable and useable by a trained computer-programming professional
who is generally familiar with C++/COM systems, although not necessarily those
incorporating the Products. The Escrow Material shall include system
documentation, statements of principles of operation, and schematics, all as
necessary or useful for the effective understanding and use of the source code.
Insofar as the "development environment" employed by Corillian for the
development, maintenance, and implementation of the source code includes any
device, programming or documentation not commercially available to the Client on
reasonable terms through readily known sources other than Corillian, the Escrow
Materials shall include all such devices, programming, or documentation. The
foregoing reference to the "development environment" is intended to apply to any
programs, including compilers, "workbenches", tools and higher-level (or
"proprietary") languages, used by Corillian for the development, maintenance and
implementation of the source code.

2.       ADDITIONS TO ESCROW MATERIAL

If Corillian develops updates, modifications, revisions or enhancements of the
Products which are to be delivered by Corillian to Client pursuant to the
Voyager License Agreement or otherwise pursuant to an agreement with Client,
then the related source code shall constitute additional Escrow Material. Within
ten (10) business days after the release of such additional Escrow Material,
Corillian shall give written notice thereof to Client, describing in detail such
additional Escrow Material. Such additional

                                                                         PAGE 1
<PAGE>

Escrow Material shall be deposited with Escrow Agent as provided in Section 4
below. It is the intention of the parties that the Source Code deposited
hereunder shall correspond to the Products in use by Client.

3.       INSPECTION

Client may appoint either (a) an independent firm of certified public
accountants of national reputation or (b) an independent, professional
computer-programming consultant mutually agreeable to Corillian and Client to
inspect, compile, test and review the source code (subject to appropriate
undertakings of confidentiality and restrictions on subsequent use and
disclosure) at any time, and Escrow Agent shall permit such inspections and
testing promptly upon request. Except as otherwise authorized by Corillian
(which authorization will not be unreasonably withheld), such inspections and
testing shall be conducted at the offices of the Escrow Agent designated in
Section 14..

4.       DEPOSIT

Within ten (10) days after the release of any applicable Product, or whenever an
obligation shall arise under Section 2, Corillian shall deposit the relevant
Escrow Material with Escrow Agent. Escrow Agent shall issue to Corillian (with a
copy to Client) a receipt for the Escrow Material upon its delivery to Escrow
Agent.

5.       STORAGE

Escrow Agent will accept the deposit of Escrow Material and will preserve and
protect the Escrow Material at Escrow Agent's offices designated in Section 14.
Escrow Agent shall prohibit any person (including employees of Corillian) from
gaining access to the Escrow Material except (a) as provided by the terms of
this Agreement, or (b) as otherwise directed by court order.

6.       RESPONSIBILITIES

In performing its duties under this Agreement, Escrow Agent is authorized to
conclusively rely upon any statement, consent, agreement, or other instrument
not only as to its due execution, its validity, and the effectiveness of its
provisions, but also as to the truth and accuracy of any information contained
therein, which Escrow Agent shall in good faith believe to be genuine or to have
been presented or signed by a proper person or persons. Escrow Agent shall not
be responsible or liable for any promise, representation, agreement, condition,
or stipulation not set forth in this Agreement; for the sufficiency,
correctness, genuineness, or validity of any instruments or documents deposited
with Escrow Agent; for the form of execution thereof or the identity, authority,
or rights of any person executing the same; for the performance of or compliance
with the terms or conditions of any such instruments; for the maintenance of any
property covered by this Agreement (other than to provide reasonable care to
protect and safeguard the Escrow Materials), including, but not limited to,
payment of taxes, assessments, upkeep charges, or repair bills; for the
sufficiency or priority of any security or the value or title of any property;
for any loss which may occur by reason of forgeries, false representations, or
the exercise of Escrow Agent's judgment in any particular manner; or for any
other reason except Escrow Agent's negligence or intentional misconduct.

7.       USEABILITY OF SOURCE CODE

Corillian represents and warrants that the Escrow Materials are and shall be
understandable and useable by a trained computer-programming professional who is
generally familiar with C++/COM systems, though not necessarily those
incorporating the Products. Corillian further represents and warrants that the
Products do not involve any proprietary languages or programming components that
such a professional could not reasonably be expected to understand, except to
the extent the Escrow

                                                                         PAGE 2
<PAGE>

Materials contains sufficient commentary to enable such professional to
understand and use such languages or components. Corillian further represents
and warrants that the Escrow Materials contain all of the devices,
programming, and documentation necessary for the maintenance of the Products
by the Client upon release of the Escrow Materials pursuant to this
Agreement, except for devices, programming and documentation commercially
available to the Client on reasonable terms through readily known sources
other than the Licensor.

8.       RIGHT TO ESCROW MATERIAL; USE OF ESCROW MATERIAL

Client shall be entitled to receive the Escrow Material upon

Client providing Escrow Agent and Corillian with written notice of its election
to obtain Escrow Materials. Escrow Agent shall deliver the Escrow Material to
Client within ten (10) business days following the date of its receipt of
Client's request.

9.       USE

Upon release of the Escrow Materials hereunder, Client is granted, without any
further action, authorization or instrument, a non-exclusive, non-transferrable,
perpetual license in the Escrow Materials. Client may use the Escrow Material
provided under this Agreement to maintain and support the Products, and to
modify, enhance, and upgrade the Products and otherwise in accordance with the
terms of the License Agreement so as to enable Client to make the use of the
Products intended by the License Agreement. Client will not, under any
circumstances, sell, disclose, assign, transfer or convey in any manner, or
dispose of the Escrow Material or any portion of the Escrow Material, except as
may be permitted in the License Agreement. The parties intend and agree that
this Agreement is an "agreement supplementary to" the License Agreement as
provided in Section 365(n) of Title 11 U.S.C. (the "Bankruptcy Code") for all
purposes. Upon release of the Escrow Materials, the Escrow Materials shall be
considered to be "Products" for all purposes of the License Agreement.

10.      KNOWLEDGE TRANSFER

Promptly upon any release of the Escrow Materials to Client by the Escrow Agent
for any reason hereunder, Corillian will provide Client with knowledge transfer
and training of the Escrow Materials of the Products, to include architecture
overview, source code configuration review and major component review. Client
shall be entitled to such knowledge transfer in accordance with the terms set
forth in the Support Services Schedule.

11.      RELIANCE

Escrow Agent may conclusively rely upon and shall be protected, indemnified, and
held harmless by Client and Corillian, jointly and severally, in acting upon the
written (which shall include instructions given by telecopier or other
telecommunications device) instructions of any officer of either Corillian or
Client or of counsel to either of them with respect to any matter relating to
its actions as Escrow Agent under this Agreement, provided, however, that in the
event this Agreement requires instructions from both of the parties, Escrow
Agent shall be required to obtain such instructions from both parties. The
Escrow Agent shall comply with any such instructions, notwithstanding any demand
or notice to the contrary from any person, and is relieved from liability for
doing so.

12.      INDEMNIFICATION

Client and Corillian, jointly and severally, covenant and agree to indemnify
Escrow Agent and hold it harmless (without prejudice to a determination between
Client and Corillian as to which party shall

                                                                         PAGE 3
<PAGE>

bear the ultimate responsibility) against any loss, liability, or expense
arising out of or in connection with its performance of its duties under this
Agreement, including, but not limited to, legal and other fees and expenses
and including specifically, but without limitation, any legal or other
expenses with respect to any action for interpleader by Escrow Agent, except
that Escrow Agent shall not be indemnified against any such loss, liability,
or expense arising out of its negligence or intentional misconduct. Escrow
Agent shall be under no obligation to institute or defend any action, suit,
or legal proceeding in connection with this Agreement, unless first
indemnified and held harmless to its satisfaction in accordance with the
foregoing.

13.      TERM OF AGREEMENT; TERMINATION

The term of this Agreement and the Account granted hereunder shall commence upon
acceptance of this Agreement by Corillian from the Effective Date above and
shall continue in effect until Corillian and Client shall both notify Escrow
Agent by notarized certificate, signed by an officer of both Corillian and
Client, that Corillian no longer has any obligations to Client requiring the
deposit of the Escrow Material in escrow, whereupon Escrow Agent shall destroy
the Escrow Material and provide acknowledgment thereof to Corillian.

14.      NOTICES

All notices, reports, instructions, requests, and other communications given
under this Agreement shall be in writing and shall be deemed to have been given
or made (i) if by mail, when received by certified mail, postage prepaid, return
receipt requested; or (ii) if by facsimile, when sent by facsimile to the
facsimile number set forth below with evidence of receipt by sender or (iii) if
by courier, when received; provided, however, that either party may change its
address or facsimile number for notices by providing notice to the other party
or such change in the manner provided herein. Notices shall be directed to the
following addresses or facsimile numbers:

         To Escrow Agent:       Datasafe, Inc.
                                P.O. Box 23056
                                Tigard, OR 97281-3056
                                Telephone: (503) 620-3423
                                Facsimile: (503) 684-3332

         To Corillian:          Corillian Corporation
                                3601 S.W. Murray Blvd., Suite 300
                                Beaverton, OR 97005
                                Telephone: (503) 627-0729
                                Facsimile: (503) 641-5575
                                Attention: Daryn Chapman

         To Client:             Wachovia Operational Services Corporation
                                c/o Wachovia Bank, N.A.
                                101 N. Cherry Street
                                Winston-Salem, NC 27102
                                Attention: Digital Platform Manager
                                (Joanna Giacobbe)

15.      DUTIES OF ESCROW AGENT

Escrow Agent shall have no duties or obligations except those expressly set
forth in this Agreement, and no implied duties or obligations shall be read into
this Agreement against Escrow Agent. Escrow Agent shall have no responsibilities
or liability to any of the parties or their successors for any action

                                                                         PAGE 4
<PAGE>

taken by it in good faith upon receipt of any instrument or other writing
believed by it to be genuine and to be properly signed or presented. In case
any property deposited under this Agreement shall be attached, garnished, or
levied upon pursuant to an order of court or other authority having
jurisdiction, or the delivery thereof shall be stayed or enjoined by an order
of court, or any other order, judgment, or decree shall be made or entered by
any court affecting such property or any part thereof (unless such order,
judgment, or decree has been stayed, pending appeal), Escrow Agent shall obey
and comply with all final writs, orders, judgments, or decrees so entered or
issued by any court, without the necessity of inquiry whether such court had
jurisdiction. Upon receipt of notice of an order, writ, judgment, or decree,
Escrow Agent will transmit copies of said writ and other process or pleading
received to all parties, and shall not comply with any writ, order, judgment,
or decree until seven (7) days following delivery of such copies to all
parties if permitted under such document.

16.      EXPENSES

Corillian and Client shall each pay one-half of the fees and expenses to Escrow
Agent directly in accordance with Escrow Agent's fee schedule. The Escrow
Agent's fees and expenses will be paid annually in advance. Any costs incurred
by the Escrow Agent will be billed at the end of the month in which they are
incurred.

17.      TAXES

Corillian and Client shall each be responsible for one-half of any federal,
state, excise, and local government fees, assessments, charges, and taxes
connected with this Agreement.

18.      WITHDRAWAL OF ESCROW AGENT

Escrow Agent may resign on sixty (60) days written notice to each of the
parties. Thereafter, upon payment of all fees and costs earned or incurred by
Escrow Agent in connection with this Agreement, Escrow Agent shall deliver the
Escrow Material to a successor escrow agent named by Corillian and Client or, if
none, to the party named in written instructions from Corillian and Client. If a
successor escrow agent has not been appointed and has not accepted appointment
by the end of such sixty (60) day period, Corillian or Client may apply to a
court of competent jurisdiction for the appointment of a successor escrow agent
and the reasonable costs, expenses, and attorneys' fees of Escrow Agent that are
incurred in connection with such a proceeding shall be paid equally by Corillian
and Client.

19.      SEVERABILITY

If any of the terms, conditions, or provisions of this Agreement shall be held
invalid, illegal, or unenforceable, then, notwithstanding, this Agreement shall
remain in full force and effect and the legality, validity, and enforceability
of the remaining terms, conditions, or provisions shall not be affected.

20.      SUCCESSORS AND ASSIGNS

This Agreement shall inure to the benefit of, and shall be binding upon, the
permitted successors and assigns of the parties.

21.      HEADINGS

The headings of the sections and paragraphs of this Agreement are solely for
convenience of reference and are not part of and are not intended to define,
govern, limit, or aid in the construction of this Agreement.

                                                                         PAGE 5
<PAGE>

22.      WAIVER

No failure or delay on the part of any party in exercising any right, power, or
remedy under this Agreement may be, or may be deemed to be, a waiver thereof;
nor may any single or partial exercise of any right, power, or remedy preclude
any other further exercise of any right, power or remedy.

23.      ATTORNEYS' FEES

In the event of any dispute arising out of the subject matter of this Agreement,
the prevailing party shall recover, in addition to any other damages assessed,
its reasonable attorneys' fees and court costs incurred in arbitrating,
litigating, or otherwise settling or resolving such dispute.

24.      GOVERNING LAW

The validity, construction and performance of this Agreement shall be governed
by the laws of the State of New York without reference to its choice of law
rules, except to the extent the same are preempted by the laws of the United
States of America.

25.      ENTIRE AGREEMENT

This Agreement constitutes the entire agreement of the parties on the subject
matter of this Agreement and no amendment, modification, or addition hereto
shall have effect or be binding unless in writing and executed by all of the
parties. This Agreement may be executed in any number of counterparts, each of
which shall be deemed to be one and the same instrument.

UNDERSTOOD AND ACCEPTED:

Client:                                      Corillian:

Wachovia Operational Services Corporation    CORILLIAN CORPORATION

DATE:      12/22/99                          DATE:        12/23/99
-----------------------------------------    -----------------------------------

BY: /s/                                      BY:      /s/ Kirk Wright
-----------------------------------------    -----------------------------------
                                             Kirk Wright, President

Escrow Agent:

DATASAFE, INC.

DATE:
     ------------------------------------

BY:

-----------------------------------------
Authorized Signature

-----------------------------------------
Printed Name and Title

                                                                         PAGE 6<PAGE>

                                                                   Exhibit 10.19

                             HEAVENLYDOOR.COM, INC.

                               BOARD OF DIRECTORS
                    CONSULTING AND CONFIDENTIALITY AGREEMENT

THIS CONSULTING AND CONFIDENTIALITY AGREEMENT (the "Agreement") is made as of
this 24th day of January 2000 (the "Effective Date") by and between
HEAVENLYDOOR.COM, INC., a Delaware corporation (the "Company") and Philip C.
Pauze (the "Consultant").

WHEREAS, Consultant will become a member of the Board of Directors of the
Company on February 2, 2000 pending Board approval and has extensive
professional experience in the areas of investment management and the funeral
industry.

WHEREAS, in addition to obtaining the Consultant's services as a member of the
Board of Directors of the Company, the Company wishes to avail itself of the
services of the Consultant to perform certain tasks for the benefit of the
Company, and the Consultant is willing to perform such services on the terms and
conditions set forth below.

NOW, THEREFORE, the Company and Consultant, in consideration of the mutual
promises contained herein, hereby agree as follows:

1.    DEFINITIONS.

      As used in this Agreement, the following terms shall have the meanings as
      set forth below:

      "Consultancy" means the current, anticipated or subsequent retention of
      Consultant by the Company as a consultant hereunder, or any other period
      during which Consultant receives compensation from the Company in any
      capacity.

      "Effective Common Stock Price" means the closing bid price (adjusted,
      where appropriate, for any change of shares) of the common stock on the
      last business day prior to the date of the grant of the option by the
      Compensation Committee of the Board, which in the case of 4.2 options will
      be the dates set forth on Schedule 1.

      "Intellectual Property" means any Invention (as herein after defined),
      writing, trade name, trademark, service mark or any other material
      registered or otherwise protected or protectible under state, federal, or
      foreign patent, trademark, copyright, or similar laws.

      "Inventions" includes ideas, methods, discoveries, inventions,
      developments, improvements, and other results of Consultant's
      participation in this consulting relationship, his involvement with
      employees and/or advisors of the Company and/or ideas and information
      supplied to him as part of his consulting duties and interactions, whether
      or not reduced to practice, whether or not patentable or otherwise within
      the definition of Intellectual Property and whether or not made or
      conceived on the premises of the Company.

      "Proprietary Materials" includes any technical, trade or business secrets
      of the Company and any technical, trade or business materials that are
      treated by the Company as confidential or proprietary, including, but not
      limited to, the inventions and confidential information obtained by or
      given to the Company about or belonging to its suppliers, licensors,
      licensees, partners, affiliates, customers, potential customers or others.

<PAGE>

      The definition of "Proprietary Materials" herein shall not include
      Proprietary Materials which (i) were known by Consultant prior to its
      disclosure by the Company; (ii) are publicly known through publication or
      otherwise through no wrongful act of Consultant; (iii) are received from a
      third party who rightfully discloses it to Consultant without restriction
      on its subsequent disclosure; or (iv) are disclosed pursuant to the lawful
      requirement of a governmental agency or by order of court of competent
      jurisdiction, provided that such disclosure is subject to all applicable
      governmental or judicial protection available for like material.

2.    SERVICES.

      2.1   Director Services. Consultant's services as a member of the Board of
            Directors hereunder shall include:

            (a)   Membership on the Company's Board of Directors, including
                  attending six (6) Board Meetings per year;

            (b)   Advice on business matters related to the Company;

            (c)   Consultation with the Company's Board of Directors, officers,
                  employees and agents, as may be reasonably requested by the
                  Company, with respect to the above-mentioned activities;

            (d)   Refining HeavenlyDoor.com, Inc.'s business model;

            (e)   Interviewing key candidates for executive positions, and

            (f)   Such other services as shall be reasonably requested by the
                  Company.

      2.2   Consulting Services. Consultant's special services, which are
            optional, involve helping the Company increase its revenues through
            proactive efforts to help the Company sign on funeral homes,
            cemeteries, and monument dealers, as well as other efforts to
            enhance the revenue model and accelerate the revenue growth of the
            Company.

      2.3   Status. The Company and Consultant agree that Consultant will be an
            independent contractor for all purposes including, but not limited
            to, payroll and tax purposes, and that Consultant shall not in any
            way represent himself to be an employee or officer of the Company.

      2.4   Consent. In order to protect the Company's patent rights, any actual
            work done by Consultant under this Agreement, if any, shall be done
            at the Company's place of business or at some other location
            approved in advance by the Company and no work under this Agreement,
            if any, shall be done by Consultant at his employer's place of
            business unless the Company has an agreement with such employer to
            conduct such work.

3.    TERM.

      3.1   Term. This agreement will be for an initial term of one (1) year
            beginning as of the Effective Date and ending January 23, 2001, and
            may be extended for additional periods of one (1) year by mutual
            written agreement by Consultant and the Company prior to the end of
            the term set forth above.

                                       2
<PAGE>

      3.2   Termination by Company. Company may terminate this Agreement at any
            time by giving 30 days prior written notice.

      3.3   Termination by Consultant. Consultant may terminate this Agreement
            at any time by giving 30 days prior written notice.

4.    COMPENSATION AND EXPENSES.

      4.1   Board of Directors' Compensation. As full compensation for
            Consultant's serving as a member of the Board of Directors pursuant
            to Section 2.1 above, the Company shall:

            (a)   Pay consultant annually Ten Thousand Dollars ($10,000) in
                  cash, payable in accordance with Schedule 1;

            (b)   Issue to the Consultant an option to purchase 100,000 shares
                  of Procept Common Stock (the "Standard Option") approved by
                  the Board of Directors on January 24, 2000 at $4.19 per share,
                  which was the Effective Common Stock Price on the date you
                  joined the Board of Directors. The Standard Option (100,000
                  shares) vests as follows: 33,334 as of January 31, 2000;
                  33,333 on January 31, 2001, and 33,333 on January 31, 2002 and
                  would have a ten (10) year term; and shall not be subject to
                  early termination provisions of the Standard Option. The
                  option shall be fully transferable by the Consultant, with the
                  consent of the Compensation Committee (which shall not be
                  unnecessarily withheld).

            (c)   At its discretion, the Board of Directors may grant to the
                  Director an additional option to purchase shares on each
                  anniversary of the Director's Effective Date.

      4.2   Consulting Compensation. As full compensation for Consultant's
            services pursuant to Section 2.2 above, the Company shall:

            (a)   Pay Consultant One Thousand Five Hundred Dollars ($1,500) per
                  day in cash or options to purchase shares of Common Stock
                  under the Company's 1998 Stock Plan having an aggregate
                  exercise price of Three Thousand Dollars ($3,000) per day (see
                  formula below) at the choice of the Consultant each quarter,
                  payable in accordance with Schedule 1. The number of shares
                  that could be purchased with the option would be determined by
                  the following formula: the number of days worked in the
                  quarter multiplied by Three Thousand Dollars ($3,000) divided
                  by the Effective Common Stock Price. The option would be
                  immediately exercisable in full at an exercise price equal to
                  the Effective Common Stock Price. The options would have a
                  ten-(10) year term and not subject to early termination
                  provisions of the Standard Option.

      4.3   Expenses. Consultant shall be entitled to reimbursement for
            reasonable travel and other out-of-pocket expenses incurred in the
            performance of his duties hereunder, provided such expenses are
            agreed upon in advance, following submission of written statements
            and bills.

                                       3
<PAGE>

5.    REPRESENTATION OF CONSULTANT; USE OF NAME.

      Consultant hereby represents that his current principal place of
      employment has received disclosure of this Agreement and of the duties
      required of Consultant hereunder, and that such employer consents fully to
      Consultant's execution of this Agreement and the position that he will
      hold. Consultant further represents that there are no binding agreements,
      written or oral, to which he is a party or by which he is bound,
      forbidding or restricting his activities herein. In addition, Consultant
      and his current employer consent to the use of their names in various
      reports, brochures or other documents produced by or on behalf of the
      Company, including any and all documents filed with the Securities and
      Exchange Commission, but not to the use of their names in any advertising
      or promotion without the prior written consent of Consultant and his
      employer.

6.    OWNERSHIP.

      6.1   Proprietary Materials. The Company retains all rights of ownership
            to all Proprietary Materials furnished to or developed by the
            Consultant hereunder.

      6.2   Inventions and Intellectual Property. All Inventions and
            Intellectual Property created, developed or otherwise invented by
            Consultant hereunder, including all materials, products, models,
            data, information, documentation, and other results of Consultant's
            services hereunder, are and shall be the exclusive property of the
            Company, and the Company may use or pursue them without restriction
            or additional compensation. Consultant shall maintain and furnish to
            the Company complete and current records of all such Inventions and
            Intellectual Property and disclose to the Company in writing all
            such Inventions and Intellectual Property. Consultant: (i) hereby
            assigns, sets over and transfers to the Company all of his right,
            title, and interest in and to such Inventions and Intellectual
            Property; (ii) agrees that Consultant and his agents shall, during
            and after the period Consultant is retained by the Company, upon
            reasonable request of the Company, cooperate fully in obtaining
            patent, trademark, service mark, copyright or other proprietary
            protection for such Inventions and Intellectual Property, all in the
            name of the Company (but only at Company expense), and, without
            limitation, shall execute all requested applications, assignments
            and other documents, and take such other measures as the Company
            shall reasonably request in order to perfect and enforce the
            Company's rights in such Inventions and Intellectual Property, and
            hereby appoints the Company his attorney to execute and deliver any
            such applications, assignments or other documents on his behalf in
            the event the Consultant fails or refuses to execute and deliver any
            such applications, assignments or other documents requested by the
            Company; and (iii) shall, upon termination of his Consultancy,
            provide to the Company in writing a full, signed statement of all
            Inventions and Intellectual Property in which Consultant
            participated prior to termination of his Consultancy to the Company.

      6.3   Third Party Claims. Unless covered by an appropriate agreement
            between any third party and the Company, Consultant shall not engage
            in any activities or use any facilities, whereby claims of ownership
            to any results hereunder may be made by such third party.

                                       4
<PAGE>

7.    CONFIDENTIALITY.

      7.1   Consultant Acknowledgment. The Company has developed and will
            develop its Proprietary Materials and Intellectual Property over a
            substantial period of time at a substantial expense, and its
            Proprietary Materials and Intellectual Property are integral to the
            goodwill of the Company. During the course of Consultancy to the
            Company, Consultant may develop or become aware of Proprietary
            Materials and/or Intellectual Property. Protection of the
            Proprietary Materials and Intellectual Property is necessary to
            conduct the Company's business, and the Company is and shall at all
            times remain the sole owner of the Company's Proprietary Materials
            and Intellectual Property.

      7.2   Confidentiality. Consultant shall at all times, both during and for
            five (5) years after any termination of Consultant's Consultancy to
            the Company by either the Company or the Consultant, maintain in
            confidence and not utilize the Proprietary Materials or the
            Intellectual Property of the Company, except in performing services
            for the Company under this Agreement. Maintaining such Proprietary
            Materials and Intellectual Property in confidence shall include
            refraining from disclosing such Proprietary Materials or
            Intellectual Property to any third party (except when duly and
            specifically authorized in writing to do so for the purpose of
            furthering the business of the Company), and refraining from using
            such Proprietary Materials or Intellectual Property for the account
            of Consultant or for any other person or business entity. Consultant
            agrees not to make any copies of the Proprietary Materials or
            Intellectual Property of the Company (except when appropriate for
            the furtherance of the business of the Company or duly and
            specifically authorized to do so) and agrees promptly upon request,
            whether during or after the period of Consultancy to the Company, to
            return to the Company any and all samples, documentary,
            machine-readable or other elements or evidence of such Proprietary
            Materials, Intellectual Property, any copies of either that may be
            in Consultant's possession or under Consultant's control.

      7.3   Non-Solicitation.

            During the term of this Agreement and for five (5) years thereafter,
            Consultant shall not, directly or indirectly, without the prior
            written consent of the Company:

            (a)   Solicit or induce any employee, Consultant of the Company, or
                  any affiliate to leave the employ or consultation of the
                  Company or any affiliate; or hire for any purpose any employee
                  of the Company or any affiliate, or any former employee who
                  has left the employment of the Company or any affiliate within
                  six months of the termination of said employee's employment
                  with the Company or affiliate;

            (b)   Solicit or accept employment or be retained by any party who,
                  at any time during the term of this Agreement, was a customer
                  or supplier of the Company or any affiliate where his position
                  will be related to the business of the Company; or

            (c)   Solicit or accept the business of any customer or supplier of
                  the Company or any affiliate with respect to products similar
                  to the business of the Company.

                                       5
<PAGE>

      7.4   Continued Obligations. Consultant's obligations under this Section 7
            shall not be affected: (i) by any termination of Consultant's
            Consultancy, including termination upon the Company's initiative;
            nor (ii) by any change in Consultant's position, title or function
            with the Company; nor (iii) by any interruption in Consultancy
            during which Consultant leaves and then rejoins the Company for any
            period within a period of one year and for any reason.

8.    NOTICES.

      For purposes of this Agreement, notices and all other communications
      provided for herein shall be in writing and shall be deemed to have been
      duly given when delivered personally or by overnight courier with a
      receipt obtained therefor or when mailed by United States registered or
      certified mail, return receipt requested, postage prepaid, addressed as
      follows:

                  If to the Consultant, to:          Philip C. Pauze
                                                     34 Lyric Arbor Court
                                                     The Woodlands, TX  77381
                                                     (409) 271-1187 telephone

                  If to the Company, to:             Mr. John F. Dee
                                                     President and CEO
                                                     HeavenlyDoor.com, Inc.
                                                     840 Memorial Drive
                                                     Cambridge, MA 02139
                                                     (617) 491-1100 telephone
                                                     (617) 491-9019 fax

      or to such other address as either party may furnish to the other in
      writing in accordance with this Section, except that notices or changes of
      address shall be effective upon receipt.

9.    OTHER PROVISIONS.

      9.1   Remedies. In the event of any breach by Consultant of any of the
            provisions of this Agreement, the Company shall be entitled, in
            addition to monetary damages and to any other remedies available to
            the Company under this Agreement and at law, to equitable relief,
            including injunctive relief, and to payment by Consultant of all
            costs incurred by the Company in enforcement against Consultant of
            the provisions of this Agreement, including reasonable attorneys'
            fees.

      9.2   No Waiver. Waiver of any provision of this Agreement, in whole or in
            part, in any one instance shall not constitute a waiver of any other
            provision in the same instance, nor any waiver of the same provision
            in another instance, but each provision shall continue in full force
            and effect with respect to any other then-existing or subsequent
            breach.

      9.3   Headings. The paragraph headings have been inserted for purposes of
            conveniences only and shall not be used for interpretive purposes.

      9.4   Assignment. This Agreement, and the rights and obligations
            hereunder, may not be assigned or transferred by either party
            without the prior written consent of the other party, except the
            Company may assign this Agreement in connection with the merger,
            consolidation, or sale of all or substantially all assets of the
            Company.

                                       6
<PAGE>

            Subject to the foregoing, this Agreement shall be binding upon
            Consultant and his heirs, executors, administrators, successors,
            representatives and assigns and shall inure to the benefit of the
            Company and any successor or assign of the Company.

      9.5   Entire Agreement. This Agreement, including Schedule 1 attached
            hereto and incorporated herein by reference, constitutes the entire
            agreement of the parties with regard to the subject matter hereof,
            and supersedes all previous written or oral representations,
            agreements and understandings between the Company and Consultant,
            whether expressed or implied. This Agreement may be executed in one
            or more counterparts, each of which shall be deemed to be an
            original, but all of which together will constitute one and the same
            agreement.

      9.6   Amendment. Any amendment or modification of this Agreement or waiver
            of any right, in whole or in part, will be effective only if it is
            in writing and signed by the parties hereto.

      9.7   Applicable Law and Severability. This Agreement shall be governed by
            the law of The Commonwealth of Massachusetts. If a court of
            competent jurisdiction determines that any provision of this
            Agreement is invalid or unenforceable, then the validity or
            unenforceability of that provision shall not affect the validity or
            enforceability of any other provision of this Agreement, and all
            other provisions shall remain in full force and effect. If any of
            the provisions of this Agreement is held to be excessively broad, it
            shall be reformed and construed by limiting and reducing it so as to
            be enforceable to the maximum extent permitted by law.

Consultant and the Company have executed and delivered this Agreement as a
document under seal as of the Effective Date.

                                    COMPANY:  HEAVENLYDOOR.COM, INC.

                                    By:  __________________________________
                                            John F. Dee, President and CEO

                                    CONSULTANT:

                                    _______________________________________
                                    Philip C. Pauze

For payment purposes, please furnish the following information:

      Home Address: 34 Lyric Arbor Court, The Woodlands, TX 77381

      Soc. Sec. #: ###-##-####

                                       7
<PAGE>

                                   SCHEDULE 1

<TABLE>
<CAPTION>
Consulting Services               Cash Payments to be
Provided During the                 Made During the
     Month of                           Month of                      Grant Dates for Stock Options
-------------------               -------------------                 -----------------------------
     <S>                          <C>                                    <C>
     January
     February
     March                        April - current year                   April 15 - current year

     April
     May
     June                         July - current year                    July 15 - current year

     July
     August
     September                    October -current year                  October 15 - current year

     October
     November
     December                     January - following year               January 15 -following year
</TABLE>

                                       8

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