Document:

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                                                                  Exhibit 10.10

                             Confidential Treatment

Confidential portions omitted and filed separately with the Securities and
Exchange Commission. Asterisks denote omissions.

                       DEVELOPMENT AND PROMOTION AGREEMENT

      THIS DEVELOPMENT AND PROMOTION AGREEMENT (this "Agreement"). dated as of
February 14, 2000, is made by and among Open Solutions Inc., a Delaware
corporation, ("Company") and Stockwalk.com. Inc., a Nevada corporation
("Stockwalk") (sometimes referred to collectively as the "Parties" and
individually as a "Party").

                                    RECITALS

      A. Stockwalk is a securities broker-dealer licensed to conduct securities
business pursuant to applicable federal and state laws; and,

      B. Company is an on-line bank service provider that desires to make
available to members and customers of its correspondent credit unions and banks
("Institutions") via the Internet the broad range of Internet securities
services offered by Stockwalk within the limits of applicable statutory and
regulatory restrictions; and,

      C. Stockwalk desires to provide Institution's members and customers
various Internet securities brokerage services by allowing Company to private
label and market Stockwalk's user interface to Institutions.

      NOW, THEREFORE, in consideration of the mutual covenants hereafter set
forth and other valuable consideration, the receipt and efficacy of which hereby
acknowledged, the parties hereto agree as follows:

SECTION 1. BACKGROUND

      Stockwalk and COMPANY have entered into this agreement to permit Company's
clients ("Institutions") and their members and customers ("Users") to utilize
the on-line brokerage services of Stockwalk as more fully described below (the
"Stockwalk Services"). The purposes of this Agreement are:

      a.    to provide for the development of access to Stockwalk Services
            through a Co-Branded Site,

      b.    to set forth the understandings and agreements of the Parties as to
            promotion of the Stockwalk services by Company, and

      c.    to provide for payment to Company for its role in assisting in the
            development of this relationship and in promoting the availability
            of the Stockwalk Services to its client institutions.

      Stockwalk's brokerage services will be offered as a co-branded site and
will be accessed by the members and customers ("Users") of participating
Institutions through a co-branded web site for participating Institutions
("Co-Branded Site"), which Co-Branded Site will be hosted by Stockwalk. Users
will access the Co-Branded Site via hypertext links from each participating
Institution's web sites, which are hosted by Company pursuant to a Company
Master Services Agreement by and between such Institution and Company.
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      The Parties hereto acknowledge and agree that all on-line securities
brokerage services provided to Institutions and Users pursuant to this Agreement
shall be provided by Stockwalk. The consideration payable to Company pursuant to
this Agreement, and to Institution pursuant to the Networking/Affiliation
Agreements, shall be in compliance with all laws, rules, regulations, and other
applicable standards of conduct in regard to Institution activities and
broker-dealer activities (including, without limitation, the rules and
regulations, and interpretive guidance issued by the Securities and Exchange
Commission, the National Association of Securities Dealers, Inc., the Office of
Thrift Supervision, the Federal Reserve Board, and the Office of Comptroller of
Currency). In accordance with the terms of this Agreement the Stockwalk Services
will be offered to Company's participating Institutions and made available only
to such Institutions who have agreed to be bound by the terms and conditions set
forth in the Networking/Affiliation Agreement by and between Stockwalk and
Institution. This Agreement is made in connection with the other agreements
among the Parties and Institutions as described on Schedule 1 (collectively, the
"Other Agreements").

SECTION 2. DEFINITIONS

      Many terms used in this Agreement are defined in context in Section 1,
above. The following terms used in this Agreement have the respective meanings
set forth below.

      2.1 "AFFILIATE" means, with respect to any Party, any individual or entity
that directly or indirectly controls, is controlled by or is under common
control with that Party. As used in this definition, "control" means either (a)
the ownership of greater than 50% of an entity's voting securities or (b) the
ability, through contract or otherwise, to determine an entity's operating
activities.

      2.2 "CO-BRANDED SITE" means, the customized version of the Stockwalk Site,
privately labeled and displayed concurrently with Company's customized Exterior
Page Frame applicable to participating Institutions, that will be hosted and
operated by Stockwalk, as described herein. The Parties acknowledge and agree
that the Stockwalk site offered to participating Institutions will be
Stockwalk's generic "Grey Label" site, and that each participating Institution
requiring a customized site shall be required to enter into a "Level II"
Networking Affiliation Agreement containing Stockwalk's normal and customary
terms and conditions.

      2.3 "COMMENCEMENT DATE" means the Launch Date of the Co-Branded Site which
shall be no later than 30 days after the date Company first makes available to
Stockwalk all Exterior Page Frames, links, advertisements and other promotional
placements described in Schedule 2.3 to this Agreement.

      2.4 "Company MARKS" means the trade names, trademarks, service names and
similar proprietary marks listed on Schedule 2.4 attached hereto.

      2.5 "LAUNCH DATE" means the first date on which the Stockwalk Services are
made publicly available to Users via a Co-Branded Site that is linked to the
corresponding Institution's Site.

      2.6 "EXTERIOR PAGE FRAMES" means Company's standard exterior framing and a
navigational bar, as revised by Company from time to time. Each Exterior Page
Frame will be hosted by Company and shall reside in Company's servers for
display on the Co-Branded Site.

      2.7 "SITE" means a commercial web site on the World Wide Web portion of
the Internet.

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      2.8 "STOCKWALK BANNERS" means any banner, button, text or similar ads
Stockwalk provides to Company in connection with this Agreement.

      2.9 "STOCKWALK MARKS" means the trade names, trademarks, service names and
similar proprietary marks listed on Schedule 2.6 attached hereto.

      2.10 "STOCKWALK SERVICES" means electronic and online brokerage services,
securities transactions and all related products available at the Stockwalk Site
during the term of this Agreement.

      2.11 "STOCKWALK SITE" means the Site located at [http://www.stockwalk.com]
(or any replacement or successor address).

SECTION 3. PARTIES' OBLIGATIONS

      3.1 Company Development. Company will design and develop linking
capabilities to provide access to the Co-Branded Site from the participating
Institution's Site, in accordance with the general specifications and timetable
set forth on Schedule 3 as agreed upon by both Parties.

      3.2 Pre-Launch Deliverables. On or before February 20, 2000, Company shall
make available to Stockwalk the Exterior Page Frames and the other materials
specified in Schedule 3 for the Co-Branded Site. Company shall develop the
Exterior Page Frames and other materials 30 days prior to the anticipated Launch
Date of the Co-Branded Site.

      3.3. Company Marketing. Company will use reasonable efforts to promote and
market the availability of the Stockwalk Services to its Institution clients as
specified on Schedule 2.3. All promotional activity shall be subject to the
prior approval of both Parties, in advance and before first use, which approval
shall not be unreasonably withheld or delayed; provided that promotional
materials, that are substantially identical to those previously approved, need
not be submitted for re-approval.

      3.4 Stockwalk Services Operation. Stockwalk shall provide Stockwalk
Services through the Co-Branded Site which it will host and operate in
accordance with Performance Standards set forth in Exhibit A.

      3.5 Stockwalk Development.

            3.5.1 Development. Stockwalk shall develop a Co-Branded Site to be
      displayed within a customized Exterior Page Frame and take all other steps
      required to co-brand the Stockwalk Services in accordance with Exhibit B.
      Each Institution that elects to purchase the Stockwalk Services through
      Company shall execute a "Grey Label" version of Stockwalk's
      Networking/Affiliation Agreement in substantially the form attached hereto
      as Exhibit C. Other than disclosures required by law and as may be agreed
      to by the Parties, no Stockwalk branding will be permitted on the
      Co-Branded Site.

            3.5.2 Control and Rebranding. Stockwalk shall have sole control over
      the Co-Branded Site look and feel and Stockwalk shall use its best efforts
      to implement such changes to the Co-Branded Site as may be reasonably
      requested by Company. Further, Stockwalk shall use its best efforts to
      notify Company if Stockwalk proposes to change or add any functionality of
      the Stockwalk Services as implemented on the Co-Branded Site; provided,
      however, that nothing herein shall obligate Stockwalk to provide such
      notice prior to effectuating such change.

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            3.5.3 Service Operation. Stockwalk shall host and operate the
      Co-Branded Site and shall maintain and implement facilities and equipment
      and programming, including data communication facilities and Internet
      connections, collectively making up the host data center and the
      Co-Branded Site accessible to the Users. Stockwalk shall use reasonable
      commercial efforts to ensure that the Co-Branded Site is operational on a
      "continuous" basis in accordance with the Performance Standards provided
      in Exhibit A.

            3.5.4 Co-Branded Site Content. During the term hereof and provided
      there is no breach by Company hereunder, Stockwalk shall provide the
      Stockwalk Services to Users exclusively via the Co-Branded Site. Unless
      otherwise directed by Company, the Co-Branded Site shall include
      substantially all of the functionality and content available on the
      Stockwalk Site, and the Stockwalk Services shall be updated to keep the
      Co-Branded Site in parity with the Stockwalk Site in all material
      respects.

            3.5.5 Navigation. Stockwalk shall not, in conjunction with the
      Stockwalk Service, use any interstitials, pop-up windows, other
      intermediate steps or any other technology or content which acts as a
      barrier to the transition of a User from a participating Institution's
      Site to the Co-Branded Site, or vice versa, nor shall Stockwalk otherwise
      frame the Co-Branded Site with any frames other than Company's Exterior
      Page Frames or use any other technology which materially interferes with
      or affects the page layout of such pages. The Co-Branded Site shall link
      back to corresponding Institution's Site.

      3.6 Developmental Costs. Unless otherwise specified, each Party shall be
responsible for all development, hosting and other costs associated with the
Site residing on their servers.

      3.7 User Relations. Stockwalk shall be responsible for providing all
customer support regarding the Stockwalk Services or the Co-Branded Site, and
Company or Institution shall redirect to Stockwalk any and all associated
customer support inquiries. Stockwalk shall have sole control over the user
agreement that governs the Stockwalk Service. and Stockwalk shall have the sole
responsibility for dealing with breaches of such user agreement. All Users shall
be treated at least as favorable in all material respects (including without
limitation with respect to pricing, quality of service, and customer support
responsiveness) as Stockwalk treats users of the Stockwalk Site.

      3.8 Co-Branded Statement. To the extent permissible by applicable
regulations, Stockwalk shall co-brand its monthly statements and other written
materials sent to Users with the names of Company and the applicable
participating Institution provided that the inclusion of such items shall not
imply that Company or the Institution is providing any of the Stockwalk
Services.

      3.9 Conformity to Specifications: Changes. The Parties acknowledge that
these creative processes are interactive and nonlinear, and that neither the
final work products nor the processes of creation will necessarily conform in
all particulars to the specifications on Schedule 3. Notwithstanding the
foregoing, the Parties agree that the final work products must perform the
functions contemplated by this Agreement and by the Other Agreements in a
manner, which complies with all applicable rules and regulations and allows for
reasonable commercial exploration of the relationship among the Parties. Each
Party shall pay for its own expense of the joint development work, subject to
Section 5.1.

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SECTION 4. IMPLEMENTATION

      4.1 Links. Pursuant to the terms of the Networking/Affiliation Agreements
by and between Stockwalk and each participating Institution interested in
offering Stockwalk Services to its Users. Institution and Stockwalk will
implement Stockwalk's normal and customary promotional program through which
Institution and Stockwalk will encourage Users to use the Stockwalk Services
offered on the Co-Branded Site, as accessed through a link from the
participating Institution's Site. It is the intent of the Parties that
Institution and Stockwalk will cooperate in the development of such promotional
program, with the goal of launching the program concurrently with the
Commencement Date.

      4.2 Stockwalk Banner Links. Stockwalk shall deliver to Company any
Stockwalk Banners which are to be run in accordance with Section 4.1 above. Such
banners shall comply with Company's then-current technical standards. The terms
of any insertion order or similar document regarding the Stockwalk Banners are
expressly rejected, except to the extent that they specify the location, timing
or duration of the display of the Stockwalk Banners and such terms are accepted
by Company. Unless mutually agreed otherwise, Stockwalk Banners shall link to
the applicable Co-Branded Site of the Institution on whose Site the Stockwalk
Banners are placed. Company may request that Stockwalk Banners be co-branded
with Company Marks, in which case the Parties shall work together to develop a
mutually acceptable implementation. Company may approve or reject any Stockwalk
Banner in its sole discretion; provided however that all banners shall comply
with any applicable laws, rules or regulations.

      4.3 Testing. Company will test the links with respect to the Co-Branded
Site, including through the Stockwalk Banner connection, required under the
Agreement at least one week prior to the Launch Date for the Co-Branded Site and
provide Stockwalk with the results of said testing as such testing occurs.

      4.4 Prior Agreements. Company will not cause any link to the Co-Branded
Site to be added without the prior written consent of Stockwalk, which may be
withheld for any or no reason, or go live prior to the applicable date agreed to
by the Parties. Further traffic from promotional links and advertising
placements will be enabled in stages; provided, however, that such staging will
not delay the Commencement Date or any Launch Date.

      4.5 Time of Essence. The Parties acknowledge that time is of the essence
in the design, development and commencement of the Co-Branded Site and the links
thereto. Accordingly, the Parties will devote commercially reasonable efforts to
launch the Co-Branded Site and the links thereto as soon as reasonably possible,
in accordance with a written development plan to be negotiated by the Parties in
good faith.

SECTION 5. COMPENSATION; ADVERTISING

      5.1 Development Fee. A development fee of [**] will be paid by the
Company to Stockwalk twelve (12) months after the first Institution sold
under this Agreement is in live production. Stockwalk will credit towards
this fee a one-time credit of * for each active customer account opened
through this URL. An "active account" for purposes of this Agreement shall be
defined as an account in which the customer maintains an account balance on
the one year anniversary of this Agreement of at least * (in cash and/or
securities) and conducts an annualized minimum of * securities transactions
during the one year period.

*     Confidential portions omitted and filed separately with the Securities
and Exchange Commission. Asterisks denote omissions.

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      5.2 Transaction Fees. During the term of this Agreement, including any
renewal term, Stockwalk will pay Institution a fee based on usage of the
Stockwalk Services by Users ("Transaction Fee"). Such Transaction Fee shall be
equal to [**] for each completed securities transaction through the Co-Branded
Site. No Transaction Fee shall be due with respect to a transaction if the
transaction by the User generates no revenue to Stockwalk. Stockwalk will pay
the Transaction Fee on a monthly basis, in arrears, within fifteen (15) days
following the end of each calendar month occurring subsequent to the
Commencement Date. Each monthly payment shall equal the number of completed
transactions in the immediately preceding calendar month multiplied by the
appropriate dollar amount. Stockwalk will deliver, together with each payment, a
report in an electronic form that is easily decoded in an automated manner for
import into a statistics database and that describes in reasonable detail
Stockwalk's calculation of the payment amount. All other fees as between
Institution and Company shall be the subject of the agreement between
Institution and Company; provided, however, that Stockwalk shall assist in any
payment arrangements reasonably requested by Institution for the convenience of
the Parties.

      5.4 Advertising.

            5.4.1 Advertising Content. Company shall have sole control over all
      advertising and promotion inventory on the Co-Branded Site. Stockwalk
      shall not introduce any advertising spots or third party branding in
      conjunction with the Co-Branded Site or the Stockwalk Services without
      Company's prior written approval, which shall not be unreasonably withheld
      or delayed.

            5.4.2 Ad Fee Split. Stockwalk Company and the participating
      Institutions will share any revenue from any approved advertising
      displayed on the Co-Branded Site as mutually agreed by the Parties;
      provided, however, that Stockwalk shall receive at least [**] of any such
      revenue.

SECTION 6. TRAFFIC DATA AND REPORTING

      On the tenth (10th) day of each month during the term hereof, Company will
provide Stockwalk with mutually agreed data concerning search and browsing
behavior, to the extent that such behavior reasonably could relate to the online
promotion or usage of the Stockwalk Services. Stockwalk will hold such data in
confidence and will use it only in accordance with reasonable guidelines to be
agreed upon by the Parties. Notwithstanding anything contained in this Section,
Company will not be required to deliver to Stockwalk any User data in violation
of Company's then-existing policies regarding the protection of user
information.

SECTION 7. REPRESENTATIONS AND WARRANTIES; RESTRICTIONS

      7.1 General. Company and Stockwalk each represents and warrants that (a)
it is an entity duly organized, validly existing, and in good standing under the
laws of the state of its organization, and (b) that the execution and delivery
of this Agreement and the Other Agreements (to the extent they are a party to
such agreements), and the performance of the transactions contemplated by this
Agreement and the Other Agreements (to the extent they are a party to such
agreements), are within its powers, have been duly authorized by all necessary
corporate and/or shareholder action, do not require any consent or other action
by and in respect of or filing with any third party or governmental body or
agency and do not contravene, violate or conflict with or constitute default
under any provision of applicable law, regulation, or published interpretive
guidance or ruling. Company and Stockwalk further represent and warrant that
they shall conduct the business contemplated by this Agreement and the Other
Agreements (to the extent

*     Confidential portions omitted and filed separately with the Securities
and Exchange Commission. Asterisks denote omissions.

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they are a party to such agreements) only in compliance with all applicable law,
rules, regulations, industry standards and published interpretive guidance and
rulings.

      7.2 Special Acknowledgements. The Parties acknowledge the following:

            a.    Stockwalk shall be responsible for advertising and sales
                  materials relative to the Stockwalk Services that are
                  published by Company or Institution pursuant to this
                  Agreement.

            b.    Company and Institution, and their Affiliates and employees,
                  will not describe the Stockwalk Services other than to
                  distribute promotional materials pre-approved by Stockwalk.

            c.    All advertising or sales materials will clearly indicate that
                  the user of any of Stockwalk Services will be a brokerage
                  customer of Stockwalk and not of any of the Institution or
                  Company with respect to securities transactions.

            d.    Company and Institution, and their Affiliates and employees,
                  will not recommend or endorse specific securities.

            e.    Company and Institution, and their Affiliates and employees,
                  will not take part in the Stockwalk Services (other than for
                  their own accounts or other than by routing information and
                  keeping records for Users).

            f     All questions regarding a User brokerage account will be
                  directed to Stockwalk's customer support personnel and Company
                  and Institution, and their Affiliates and employees, will not
                  answer questions or engage in negotiations involving brokerage
                  accounts or related securities transactions.

            g.    All decisions regarding the selection of broker-dealer or
                  market will be made by Users or by Stockwalk. Neither Company
                  nor Institution will accept orders, select among
                  broker-dealers or route orders for Users to markets for
                  executions.

            h.    Company and Institution will not handle User funds or
                  securities related to securities orders transmitted to
                  Stockwalk or effect clearance or settlement of User trades.

            i.    Neither Company nor Institution will extend credit to User for
                  the purpose of purchasing securities through or carrying
                  securities with Stockwalk.

            j.    The fees paid by Stockwalk to Institution will not vary
                  depending upon the number of shares or the value of the
                  underlying securities.

SECTION 8. INDEMNIFICATION

      8.1 Stockwalk Indemnification. Stockwalk will defend and indemnify Company
and its Affiliates (and their respective employees, directors and
representatives) against any claim or action brought by a third party, to the
extent relating to (a) the operation of the Stockwalk Services and the
Co-Branded Site, (b) the violation of third-party intellectual property rights
by materials provided by Stockwalk to Company for promotion and advertising
pursuant to this Agreement and for display on the Co-Branded Site and the
Stockwalk Banners, or (c) breach by Stockwalk of any of the terms of this
Agreement or the Networking/Affiliation Agreement. Subject to Company's
compliance with the procedures described in Section 8.3. Stockwalk will pay any
award against Company or its Affiliates (or their respective employees,
directors or representatives) and any costs and attorneys' fees reasonably
incurred by Company and its Affiliates resulting from any such claim or action.

      8.2 Company Indemnification. Company will defend and indemnify Stockwalk
and its Affiliates (and their respective employees, directors and
representatives) against any claim or action brought by a third Party, to the
extent relating to (a) the operation or design of Company Sites and Company
Institutions' Sites, (b) breach by Company of any of the terms contained in this
Agreement or

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its Agreements with Institutions or (a) the violation of third-party
intellectual property rights by any materials provided by Company for display on
the Co-Branded Site or promotion of the Stockwalk Services. Subject to
compliance by Stockwalk with the procedures described in Section 8.3, Company
will pay any award against Stockwalk and its Affiliates (or their respective
employees, directors or representatives) and any costs and attorneys' fees
reasonably incurred by Stockwalk and its Affiliates resulting from any such
claim or action.

      8.3 Indemnification Procedures. In connection with any claim or action
described in this Section, the Party seeking indemnification (a) will give the
indemnifying Party prompt written notice of the claim, (b) will cooperate with
the indemnifying Party (at the indemnifying Party's expense) in connection with
the defense and settlement of the claim, and (c) will permit the indemnifying
Party to control the defense and settlement of the claim, provided that the
indemnifying Party may not settle the claim without the indemnified Party's
prior written consent (which will not be unreasonably withheld). Further, the
indemnified Party (at its cost) may participate in the defense and settlement of
the claim.

SECTION 9. INTELLECTUAL PROPERTY RIGHTS

      9.1 Stockwalk's Grant of License. Stockwalk hereby grants to Company,
during the term of this Agreement, non-exclusive, non-transferable licenses to
use it's Stockwalk Marks as reasonably necessary for Company to perform its
obligations under this Agreement; provided, however, that use of such Stockwalk
Marks or promoting Stockwalk Services shall be subject to the prior written
approval of Stockwalk, as provided in Section 3.3.

      9.2 Company's Grant of License. Company hereby grants to Stockwalk, during
the term of this Agreement, a non-exclusive, non-transferable license to use the
Exterior Page Frames and the Company Marks as is reasonably necessary for
Stockwalk to perform its obligations under this Agreement and the
Networking/Affiliation Agreements; provided, however, that any promotional
materials containing Company's proprietary marks will be subject to Company's
prior written approval.

      9.3 Reservation of Rights. Subject to the limited license granted to
Stockwalk under this Section, Company reserves all of its right, title and
interest in its intellectual property rights (e.g., patents, copyrights, trade
secrets, trademarks and other intellectual property rights). Subject to the
limited license granted to Company under this Section, Stockwalk reserves all of
its right title and interest in its intellectual property rights. No Party
grants to any other Party any right, title and interest in intellectual property
rights or any licenses except as specifically set forth in this Section.

      9.4 No Disparagement. No Party will use another Party's proprietary marks
in a manner that disparages the other Party or its products or services, or
portrays the other Party or its products or services in a false, competitively
adverse or poor light. A Party will comply immediately with another Party's
requests as to the use of the other Party's proprietary marks and will avoid any
action that diminishes the value of such marks. Any Party's unauthorized use of
another Party's proprietary marks is strictly prohibited.

      9.5 Standards. Stockwalk shall not knowingly provide Stockwalk Services or
operate the -Branded Site in a manner, and Company Shall not knowingly provide
to Stockwalk any Exterior Page Frames, that: (a) infringe any third party's
intellectual property right or right of publicity or privacy; (b) violate any
law or regulation: (c) are defamatory, obscene, harmful to minors or
pornographic in nature; or (d) are materially false, inaccurate or misleading.

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SECTION 10. TERM AND TERMINATION

      10.1 Term. The term of this Agreement will begin on the date of this
Agreement and, unless terminated or renewed in accordance with this Section,
will end upon the earlier of: (i) one (1) year from the Commencement Date, or
(ii) termination of all of the Other Agreements. Unless sooner terminated, this
Agreement shall automatically renew for additional one (1) year terms upon each
expiration.

      10.2 Termination. Either Party may terminate this Agreement: (a) if the
other Party materially breaches this Agreement (other than as provided in
Section 14.7 and Exhibit A) and does not cure the breach within thirty (30) days
following its receipt of written notice from the non-breaching Party, (b) if a
Party provides notice of nonrenewal ninety (90) days before the expiration of
the then-current term, (c) if a Party ceases to carry on the portion of its
business that relates to this Agreement, (d) immediately as provided in Section
14.7. The Parties agree that all Parties shall be addressed on all
correspondence and other notices relating to breach of this Agreement. A
non-breaching Party may, but is not required to, cure a breach, in its sole
discretion (if it is capable of effecting a cure), within thirty (30)the
requisite time period after receipt of notice, and in such event, notice of
termination shall be ineffective. Recovery by the curing Party from the
breaching Party shall be governed by the Dispute Resolution procedures set forth
in this Agreement.

      10.3 Effects of Termination. Upon expiration or termination, all licenses
granted hereunder shall terminate unless such licenses are expressly stated as
surviving. Stockwalk shall promptly remove all Company Marks and Exterior Page
Frames from its servers, and Company shall promptly remove all Stockwalk Marks,
Stockwalk Banners from its servers. Any obligation to pay any owed but unpaid
amounts, shall survive any expiration or termination.

SECTION 11. CONFIDENTIAL INFORMATION

      11.1 The parties acknowledge and agree that the terms of this Agreement
and all information provided to or in connection with either Party's performance
under this Agreement shall be considered confidential and proprietary
information ("Confidential Information") and shall not be disclosed to any third
party without the prior written consent of the Party providing the Confidential
Information (the "Disclosing Party"). Confidential Information shall include,
without limitation: (i) names, addresses, and demographic, behavioral, and
credit information relating to Users or potential Users; (ii) Stockwalk's
communication materials and issuance strategies or methods; (iii) each Party's
trade secrets, including but not limited to, financial business objectives,
assets and properties, processes, formulas, specifications, programs,
instructions, source code, technical know-how, methods and procedures for

operation, benchmark test results, information about employees, customers,
strategies, services, business or technical plans and proposals in any form; and
(iv) programming techniques and technical, development, cost and processing
information.

      11.2 The Party receiving such Confidential Information (the "Receiving
Party") shall use Confidential Information only for the purpose of performing
the terms of this Agreement and shall not accumulate in any way or make use of
Confidential Information for any other purpose. The Receiving Party shall ensure
that only its employees, authorized agents, or subcontractors who need to know
Confidential Information to perform this Agreement will receive Confidential
Information and that such persons agree to be bound by the provisions of this
Paragraph and maintain the existence of this Agreement and the nature of their
obligations hereunder strictly confidential.

      11.3 The obligations with respect to Confidential Information shall not
apply to Confidential Information that: (i) either Party or its personnel
already know at the time it is disclosed as shown by

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their written records; (ii) is publicly known without breach of this Agreement;
(iii) either Party received from a third party authorized to disclose it without
restriction; (iv) either Party, its agents or subcontractors, developed
independently without use of Confidential information; or (v) either Party is
required by law, regulation or valid court or governmental agency order or
request to disclose, in which case the Party receiving such an order or request,
to the extent practicable, must give notice to the other Party, allowing them to
seek a protective order.

      11.4 Each Party agrees that any unauthorized use or disclosure of
Confidential Information may cause immediate and irreparable harm to the
Disclosing Party for which money damages may not constitute an adequate remedy.
In that event, each Party agrees that injunctive relief may be warranted in
addition to any other remedies the Disclosing Party may have. In addition, the
Receiving Party agrees promptly to advise the Disclosing Party in writing of any
unauthorized misappropriation, disclosure or use by any person of the
Confidential Information which may come to its attention and to take all steps
at its own expense reasonably requested by the Disclosing Party to limit, stop
or otherwise remedy such misappropriation, disclosure or use.

      11.5 Upon either Party's demand, or upon the termination of this
Agreement, the Parties shall comply with each other's reasonable instructions
regarding the dispositions of Confidential Information, which may include return
of any and all Confidential Information (including any copies or reproductions
thereof). Such compliance shall be certified in writing, including a statement
that no copies of confidential information have been kept.

      11.6 Except as necessary for its performance under this Agreement, a Party
shall not use the name of any other Party or its Affiliates in connection with
any representation, publication or advertisement, or make any public statement
relating to any other Party or its Affiliates without the prior full disclosure
of same to the named Party, and the prior written consent of the named Party.

      11.7 Except as may be required by law, regulation or any governmental
authority, no Party nor any of its Affiliates shall issue a press release or
make public announcement or any disclosure to any third party related to the
transactions contemplated by this Agreement without the prior consent of each
other Party, which consent shall not be unreasonably withheld or delayed.

      11.8 The obligations of Sections 11.1 through 11.5 shall survive the
termination of this Agreement for a period of two (2) years.

SECTION 12. DISPUTE RESOLUTION

      12.1 In all discussions and activities relating to this Agreement, the
Parties will cooperate in good faith to accomplish the objectives specified in
this Agreement. If any dispute arises relating to either Party's rights or
obligations under this Agreement, and the Parties are unable to resolve the
dispute in the ordinary course of business, the Parties will use good-faith
efforts to resolve the matter by informal means, as set forth in Section 12.2
prior to commencing a formal dispute resolution proceeding or legal action in
accordance with this Section.

      12.2 Any controversy or claim between or among the Parties, arising from
or in connection with this Agreement whether based on contract, tort, common
law, equity, statute, regulation, order or otherwise ("Dispute") shall be
resolved as follows:

      (a) Upon written request of any Party, a duly appointed representative(s)
of each Party will meet for the purpose of attempting to resolve such Dispute.
Should they be unable to resolve the Dispute,

                                       10
<PAGE>

a senior executive of each Party (the "Executives") will meet in an effort to
resolve the Dispute. Said meeting shall be in person or by telephone.

      (b) The Executives shall meet as often as the Parties agree to discuss the
problem in an effort to resolve the Dispute without the necessity of any formal
proceeding.

      (c) Formal proceedings for the resolution of a Dispute may not be
commenced until the earlier of:

            (i) the Parties concluding in good faith that amicable resolution
      through the procedures set forth in subsections (a) - (b) hereof does not
      appear likely; or

            (ii) the expiration of the fifteen (15) business day period
      immediately following the initial request to negotiate the Dispute;

provided, however, that this Section 12.2 will not be construed to prevent a
Party from instituting formal proceedings earlier to avoid the expiration of any
applicable limitations period, to preserve a superior position with respect to
other creditors, or to seek temporary or preliminary injunctive relief.

SECTION 13. DISCLAIMERS, LIMITATIONS AND RESERVATIONS.

      13.1 EXCEPT AS EXPRESSLY PROVIDED IN THIS AGREEMENT, THE PARTIES HERETO DO
NOT MAKE, AND HEREBY DISCLAIM, ANY REPRESENTATIONS OR WARRANTIES REGARDING THE
SERVICES TO BE PROVIDED PURSUANT HERETO OR ANY PORTION THEREOF, INCLUDING
(WITHOUT LIMITATION) IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A
PARTICULAR PURPOSE. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, THE
PARTIES HERETO SPECIFICALLY DISCLAIM ANY REPRESENTATION OR WARRANTY REGARDING
(A) THE AMOUNT OF REVENUE THAT THE OTHER PARTY HERETO MAY RECEIVE DURING THE
TERM, AND (B) ANY ECONOMIC OR OTHER BENEFIT THAT THE OTHER PARTY HERETO MIGHT
OBTAIN THROUGH ITS PARTICIPATION IN THIS AGREEMENT.

      13.2 NO PARTY WILL BE LIABLE TO ANY OTHER PARTY FOR CONSEQUENTIAL DAMAGES
(INCLUDING, WITHOUT LIMITATION, LOST PROFITS OR LOST DATA) ARISING OUT OF THIS
AGREEMENT.

      13.3 Stockwalk will be solely responsible for the operation of the
Stockwalk Services and subject to the specific terms of this Agreement, shall
retain sole right and control over the programming, content and conduct of
transactions occurring on the Co-Branded Site.

SECTION 14. MISCELLANEOUS

      14.1 Relationship of Parties. The Parties are entering this Agreement as
independent contractors, and this Agreement will not be construed to create a
partnership, joint venture, franchise or employment relationship between them.
Neither Party will represent itself to be an employee or agent of the other or
enter into any agreement on the other's behalf of or in the other's name.

                                       11
<PAGE>

      14.2 Press Release. Following the execution of this Agreement, the
Parties will prepare and distribute a joint press release (or coordinated press
releases) announcing the transaction. The contents and timing of the release (or
releases) shall be as mutually agreed by the Parties. Neither Party will issue
any further press releases or make any other disclosures regarding this
Agreement or its terms without the other Party's prior written consent.

      14.3 Compliance With Law. In its performance of this Agreement, each Party
will comply with all applicable laws, regulations, orders and other
requirements, now or hereafter in effect, of governmental authorities having
jurisdiction. Without limiting the generality of the foregoing, each Party will
pay, collect and remit such taxes as may be imposed upon it with respect to any
compensation, royalties or transactions under this Agreement. At its own
expense, Stockwalk shall comply with all applicable laws and governmental and
SRO regulations regarding providing and operating the Stockwalk Services.
Without limiting the foregoing, Stockwalk and Company shall use their best
efforts to (a) obtain all governmental and SRO approval, permits and licenses,
and make all governmental and SRO filings and registrations, necessary for the
marketing and performance of the Stockwalk Services in every United States
jurisdiction, and (b) promptly resolve any assertions that the Stockwalk or
Company's services are illegal or violating a protected third party interest.

      14.4 Notices. Notices deliverable under this Agreement shall be given in
writing, addressed to the Parties and shall be deemed to have been given either
one (1) day after being given to an express overnight carrier with a reliable
system for tracking delivery; or when sent by a confirmed facsimile with another
copy sent by any other mains specified in this paragraph; or three (3) business
days after having been mailed postage prepaid by United States registered or
certified mail.

      14.5 Attorneys Fees. If any litigation or arbitration is commenced to
enforce any provision of this Agreement or to seek a declaration of rights of
the Parties hereunder or as a result of any breach of any provisions of this
Agreement, the prevailing Party will be entitled to recover from the
non-prevailing Party all of its costs and expenses incurred in connection with
such litigation, including without limitation reasonable attorneys' fees.

      14.6 Records: Audits. Each Party shall keep detailed records of all
activities reasonably relating to its performance under this Agreement
("Records"). Either Party (the "Auditing Party"), upon thirty (30) days' prior
written notice to the other Party (the "Audited Party"), may conduct an audit of
the Audited Party's Records for the purpose of verifying the accuracy and
completeness of any report or other information provided by the Audited Party
under this Agreement. Any such audit will be conducted (a) in a manner that will
not unreasonably interfere with the Audited Party's operations, and (b) by an
independent certified public accounting firm that is reasonably acceptable to
the Audited Party and that has agreed in writing to protect the confidentiality
of the Audited Party's Records and other information. A Party may conduct an
audit under this Section no more than once during any 12-month period. The costs
of any such audit will be borne by the Auditing Party; provided however, that if
any audit determines that the report or other information subject to the audit
is inaccurate or incomplete by greater than ten percent (10%) (as measured by an
appropriate measure reasonably determined by the auditor), the Audited Party
will promptly reimburse the Auditing Party for all reasonable expenses incurred
to conduct the audit.

      14.7 Force Majeure. No Party will be liable for, or will be considered to
be in breach of or default under this Agreement on account of, any delay or
failure to perform as required by this Agreement as a result of any causes or
conditions that are beyond such Party's reasonable control and that such Party
is unable to overcome through the exercise of commercially reasonable diligence.
If any force majeure event occurs, the affected Party will give prompt written
notice to the other Party and will use commercially reasonable efforts to
minimize the impact of the event. However, if a force majeure event

                                       12
<PAGE>

detrimentally affects a Party's performance of a material covenant set forth in
Section 3 and Exhibit A for ten (10) days or more, the other Patty can terminate
this Agreement, as provided in Section 10.2 above.

      14.8 Assignment. This Agreement may not be assigned, in whole or in part,
by either Party or by operation of law, (including an assignment to (a) any
corporation resulting from any merger, consolidation or other reorganization
involving the assigning Part. (b) any of its Affiliates, or (c) any individual
or entity to which the assigning Party may transfer substantially all of its
assets; provided that the assignee agrees in writing to be bound by all the
terms and conditions of this Agreement) unless the other Party consents to the
assignment, which consent shall not be unreasonably withheld or delayed. Subject
to the foregoing, this Agreement will be binding on and enforceable by the
Parties and their respective successors and permitted assigns. Notwithstanding
the foregoing, either Party hereto may assign this Agreement to (a), (b) or (c)
provided.

      14.9 No Waiver. The failure of either Party to enforce any provision of
this Agreement will not constitute a waiver of the Party's rights to
subsequently enforce the provision. The remedies specified in this Agreement are
in addition to any other remedies that may be available at law or in equity.

      14.10 Severability. If any provision of this Agreement is declared null,
void or otherwise unenforceable, such provision will be deemed to have been
severed from this Agreement to the minimal extent if necessary, which Agreement
will otherwise be and remain in full force and effect to its remaining
provisions.

      14.11 Integration. This Agreement (a) represents the entire agreement
between the Parties with respect to the subject matter hereof and supersedes any
previous or contemporaneous oral or written agreements regarding such subject
matter and (b) may be amended or modified only by a written instrument signed by
a duly authorized agent of each Party.

      14.12 Choice of Law. This Agreement will be interpreted, construed and
enforced in all respects in accordance with the laws of the State of Minnesota
without reference to its choice of law rules. If any provision of this Agreement
is held to be invalid, such invalidity will not effect the remaining provisions.

      The Parties have executed this Agreement on the date first written above.

                                                 Open Solutions, Inc.

                                                 By /s/ Michael D. Nicastro
                                                    ----------------------------

                                                 Its Vice President of Marketing
                                                     ---------------------------

                                                 300 Winding Brook Drive
                                                 -------------------------------
                                                 Glastonbury, CT 06033
                                                 -------------------------------
                                                 Facsimile: (860) 652-3156

                                                 STOCKWALK.COM, INC.

                                                 By /s/ Robert J. Vosburgh
                                                    ----------------------------

                                       13
<PAGE>

                                                 Its Chief Operating Officer
                                                     ---------------------------

                                                 5500 Wayzata Blvd.
                                                 Suite 620
                                                 Minneapolis, MN 55416
                                                 Facsimile: (877)482-0540

                                       14<PAGE>

                                                                   Exhibit 10.11

                          STRATEGIC ALLIANCE AGREEMENT

      THIS STRATEGIC ALLIANCE AGREEMENT is made as of April 12, 1999, by and
between Open Solutions Inc. ("OSI"), a Delaware corporation with its principal
place of business at 300 Winding Brook Drive, Glastonbury, Connecticut 06033,
and HNC SOFTWARE INC. ("HNC"), a Delaware corporation with its principal place
of business at 5930 Cornerstone Court West, San Diego, California 92121-3728.

                                    RECITALS

      A. OSI is a software development company specializing in application
software for transaction processing in financial institutions. HNC is a software
development company specializing in the application of neural network technology
and other techniques of computational intelligence to advanced decision software
solutions.

      B. The Parties desire to establish a worldwide strategic alliance for the
cooperative development, marketing and exploitation of products and services
uti1izing the technological capabilities of OSI and HNC.

      NOW, THEREFORE, in consideration of the premises and intended to be
legally bound hereby, the Parties agree as follows:

1. DEFINITIONS. Capitalized terms used in this Agreement will have the following
meanings:

"Affiliate" means, with respect to OSI or HNC, any other Person which, whether
directly or indirectly, is controlled by or is under common control with OSI or
HNC, as the case may be.

"Agreement" means this Strategic Alliance Agreement.

"Control" means the ownership, directly or indirectly, of more than fifty
percent (50%) of the voting shares of an entity, or otherwise the possession,
directly or indirectly, of the power to direct or cause the direction of the
management and policies of an entity.

"Disclosing Party" means either Party, when disclosing information to the other
Party.

"Effective Date" means April 12, 1999.

"Joint Project" means any Project that is jointly conceived by the Parties, as
evidenced by a written agreement signed by both of the parties.

"Parties" means OSI and HNC.

                                        1
Confidential and Proprietary Information

<PAGE>

"Party" means either of OSI or HNC.

"Person" means an individual, partnership, joint venture, association,
corporation, limited liability company, trust or any other legal entity.

"Project" means each joint development, joint marketing, joint licensing or
other joint undertaking of the Parties (including Joint Projects) with respect
to a discrete product or service, or group of related products or services,
during the term of this Agreement, evidenced by a writing signed by both Parties
and specifically providing that it is to be covered by this Agreement.

"Project Agreement" means a written agreement or a project addendum to this
Agreement, executed by an authorized representative of each Party, and which
specifies the relative obligations of the Parties as to the planning,
development, marketing and implementation tasks required to commercially exploit
a Project, as well as the respective rights of each Party in and to the
underlying intellectual property and resulting proceeds.

"HNC Software" means the HNC Software identified in any Project Addendum
attached hereto, and includes all updates, documentation, enhancements and new
versions of the HNC Software released during the term of the Project Addendum.

"OSI Software" means the OSI Software identified in any Project Addendum
attached hereto, and includes all updates, documentation, enhancements and new
versions of the OSI Software released during the term of the Project Addendum.

"Receiving Party" means either Party, when receiving information from the other
Party.

2. SCOPE AND PURPOSE OF AGREEMENT. The purpose of this Agreement is to establish
a non-exclusive, worldwide strategic alliance in which the Parties will
cooperate in the development, marketing and exploitation of products utilizing
HNC's software and technological expertise and OSI's software and technological
expertise. Because the Parties acknowledge that it would be impractical to
specify in advance the precise terms and conditions applicable to any or all of
the particular products or services to be developed and marketed over the course
of this alliance, the Parties have instead established the following general
terms, which will serve as the legal and procedural foundation for discussing
and reaching agreement on the projects to be undertaken by them. Accordingly,
during the term of this Agreement, each Project will be subject to the terms and
conditions of this Agreement, except to the extent that a written agreement
regarding that Project, signed by an authorized representative of each Party,
specifically identifies and expressly supersedes any given term of this
Agreement.

3. CONFIDENTIALITY; PROPRIETARY RIGHTS.

      3.1 All information disclosed by a Disclosing Party to a Receiving Party
during the term of this Agreement will be deemed to be confidential unless
specifically designated as nonconfidential at the time of disclosure.
Notwithstanding the foregoing, information will not be

                                        2
Confidential and Proprietary Information

<PAGE>

deemed confidential if it (i) was known to the Receiving Party, and such
information was acquired through proper methods, prior to its receipt from the
Disclosing Party, as evidenced by written records of the Receiving Party; (ii)
is now or (through no act or failure on the part of the Receiving Party) later
becomes generally known in the information services industry through no breach
of this Agreement by the Receiving Party; (iii) is supplied to the Receiving
Party by a third party that the Receiving Party in good faith believes is free
to make that disclosure without restriction on disclosure; (iv) is disclosed by
the Disclosing Party to a third party generally, without restriction on
disclosure; or (v) is independently developed by the Receiving Party without use
of any confidential information provided by the Disclosing Party.

      3.2 Except as provided in this subsection 3.2, the Receiving Party agrees
that it will (i) treat all confidential information received from the Disclosing
Party with at least the same degree of care which it applies to its own
proprietary information, (ii) not divulge any confidential information, directly
or indirectly, to any other Person, for any purpose whatsoever, and (iii) not
make use of or copy such confidential information, except for the purposes
permitted under this Agreement or an applicable Project Agreement. Such
confidential information may be disclosed only to those employees, consultants,
and permitted subcontractors of the Receiving Party who require access to such
information for the purpose for which it was disclosed and who have
nondisclosure obligations to the Receiving Party. In each case of permitted
disclosure, each employee, consultant, or permitted subcontractor will be given
only that limited portion of the confidential information that is necessary for
the fulfillment of that Person's responsibilities consistent with this Agreement
or the applicable Project Agreement. The Receiving Parry shall promptly report
to the Disclosing Party any actual or suspect violation of this subsection and
shall take further steps as may reasonably be requested by the Disclosing Party
to prevent or remedy any such violation.

      3.3 Each Party agrees that the injury from any disclosure or unauthorized
use of the other's confidential information will be of such a character that it
cannot be adequately compensated by monetary damages. Accordingly, if a
Receiving Party breaches this Agreement, the Disclosing Party may, in addition
to pursuing its other remedies under the law, seek to obtain from any court
having jurisdiction over the subject matter and the Parties an injunction
restraining any violation, without (i) having to prove the inadequacy of
monetary damages or (ii) posting bond or other security.

      3.4 If the Receiving Parry becomes legally compelled (by interrogatories,
requests for information or documents, subpoena, civil investigative demand or
similar process) to disclose any confidential information, the Receiving Party
will provide the Disclosing Party with prompt notice of that request(s) so that
it may seek an appropriate protective order or other appropriate remedy and/or
waive the Receiving Party's compliance with the provisions of this Agreement. If
the Disclosing Party waives compliance with the applicable provisions of this
Agreement or fails to obtain a protective order or other remedy, the Receiving
Party agrees to furnish only that portion of the confidential information that
it is legally required to furnish in the reasonable opinion of its counsel.

                                        3

<PAGE>

      3.5 As soon as any item of confidential information ceases to be necessary
or useful to the Receiving Parry for the purpose for which it was disclosed, the
Disclosing Party may, subject to any rights that the Receiving Party may have
acquired in or to that information pursuant to a Project Agreement, request its
return or destruction, and the Receiving Party will promptly return to the
Disclosing Party or destroy all documents or other media consisting of that
confidential information, without retaining any copies, and will confirm in
writing that it has done so.

      3.6 Notwithstanding any provision to the contrary contained in this
Agreement, it is understood and agreed by the parties that:

      any HNC products and technology existing as of the Effective Date or as of
      the date of the applicable Project Agreement Effective Date and used in
      connection with HNC's provision of services and performance hereunder
      and/or incorporated into any items developed with respect to any Project
      undertaken hereunder (the "HNC Technology") is, and will remain, the sole
      and exclusive property of HNC, and, except as otherwise specifically
      provided in this Agreement and/or any Project Agreement, no license,
      right, title, interest in and/or to such HNC Technology is granted to OSI
      by virtue of this Agreement and/or any Project Agreement and/or HNC's
      performance hereunder. As such, HNC will continue to have the unfettered
      right to utilize the HNC Technology (and any portion or portions thereof)
      in any manner as determined by HNC in its sole and absolute discretion.

      any OSI products and technology existing as of the Effective Date or as of
      the date of the applicable Project Agreement Effective Date and used in
      connection with OSI's provision of services and performance hereunder
      and/or incorporated into any items developed with respect to any Project
      undertaken hereunder (the "OSI Technology") is, and will remain, the sole
      and exclusive property of OSI, and, except as otherwise specifically
      provided in this Agreement and/or any Project Agreement, no license,
      right, title, interest in and/or to such OSI Technology is granted to HNC
      by virtue of this Agreement and/or any Project Agreement and/or OSI's
      performance hereunder. As such, OSI will continue to have the unfettered
      right to utilize the OSI Technology (and any portion or portions thereof)
      in any manner as determined by OSI in its sole and absolute discretion.

Unless otherwise specifically provided in a Project Agreement attached to this
Agreement:

      HNC will retain all right, title and interest to any modifications made to
      the HNC Technology, derivative works derived from the HNC Technology,
      and/or incorporating the HNC Technology pursuant to this Agreement and/or
      any Project Agreement (including, without limitation, any source code for
      said modifications and the right to own all patents and copyrights
      relating thereto) including, but not limited to, modifications to enable
      the HNC Technology to function on a different operating system.

      OSI will retain all right, title and interest to any modifications made to
      the OSI Technology, derivative works derived from the OSI Technology,
      and/or incorporating the OSI Technology pursuant to this Agreement and/or
      any Project Agreement (including,

                                        4

<PAGE>
      without limitation, any source code for said modifications and the right
      to own all patents and copyrights relating thereto) including, but not
      limited to, modifications to enable the OSI Technology to function on a
      different operating system.

4. NONSOLICITATION. Neither Party will, during the term of this Agreement and
for six (6) months after its termination or expiration, without the prior
written consent of the other Party, for its own account or jointly with another,
directly or indirectly, for or on behalf of any Person, as principal, agent or
otherwise, solicit or induce, or in any manner attempt to solicit or induce, any
Person employed or engaged by the other Party (including, without limitation, as
an employee or independent contractor or agent known to be exclusively engaged
by the other party), to leave that Person's employment or engagement.
Notwithstanding the foregoing, this Section 4 shall not preclude either Party
from hiring any Person employed by the other Party where such Person
independently responds to an employment opportunity broadcast by the Party to
the general public (e.g., via newspaper, magazine, broadcast, Internet, etc.)
and has not otherwise been in direct contact with the Party as a key person
during the course of performance of this Agreement.

5. PROJECT AGREEMENTS.

      5.1 Joint Projects.

            (A) Each time the Parties conceive of a Joint Project, they will
work in good faith to negotiate, prepare and execute a Project Agreement as soon
as reasonably practicable.

            (B) If the Parties are unable to agree upon the terms of a Project
Agreement governing a Joint Project, each Party may proceed to develop and
market the underlying products and services independently, provided no
proprietary and/or Confidential Information of the other party is used with
respect to such independent undertaking.

      5.2 Preservation of Intellectual Property Rights. Nothing in subsection
5.lB permitting the independent development and marketing of information, goods
or services that would otherwise be subject to this Agreement is intended to
permit either Party to violate the provisions of this Agreement, including
without limitation subsections 3.1 and 3.2.

      5.3 Standard Clauses for Project Agreements. The confidentiality
provisions of subsections 3.1 through 3.6 and the standard clauses in Exhibit A
attached hereto will be included in each Project Agreement, with only those
changes that are necessary to reflect the form of the underlying transaction
while preserving the intent of such terms. Every Project Agreement that involves
the licensing of software by one Party to the other will include, as an
ancillary agreement, a source code escrow agreement, the terms and conditions of
which will be negotiated in good faith by the Parties on a case-by-case basis.

                                        5

<PAGE>

6. GRANT OF MARKETING LICENSE

      6.1 OSI grants to HNC a non-exclusive, non-transferable, worldwide,
paid-up, unlimited, royalty free, right and license without the right to
sub-license, to use, reproduce and distribute (internally) copies of the OSI
Software for use in internal and customer non-billable external training,
proof-of-concept activities, presentations, prototyping, benchmarking, OSI
Software evaluations, demonstrations and other marketing and services
activities.

      6.2 HNC grants to OSI a non-exclusive, non-transferable, worldwide,
paid-up, unlimited, royalty free, right and license, without the right to
sub-license, to use, reproduce and distribute (internally) copies of the HNC
Software for use in internal and customer non-billable external training,
proof-of-concept activities, presentations, prototyping, benchmarking, HNC
Software evaluations, demonstrations and other marketing and services
activities.

      6.3 The Receiving Party shall not alter or remove any patent, copyright,
trademark and/or other notices contained on or in copies of the software
received under this Agreement and/or any Project Agreement. The existence of any
such copyright notice shall not be construed as an admission or deemed to create
a presumption, that publishing of such material has occurred.

7. END-USER LICENSES/RESPONSIBILITY FOR PRODUCTS

7.1 Except as otherwise agreed, HNC or its agents will be responsible for
providing and executing end-user license agreements for the HNC Software with
the end users; and OSI or its agents will be responsible for providing and
executing end-user license agreement for the OSI Software with the end-users.

7.2 Except as otherwise set forth in a Project Agreement, HNC is responsible for
the promotion, sale, installation and maintenance of the HNC Software, and OSI
is responsible for the promotion, sale, installation and maintenance of the OSI
Software.

7.3 If a third party complains or brings a complaint against HNC in relation to
the OSI Software, or against OSI in relation to the HNC Software, OSI and HNC,
respectively, will (i) resolve the complaint; and (ii) defend the claim at its
expense and pay any damages awarded, provided it is given prompt notice and full
control of the defense.

8. IP INDEMNIFICATION

8.1 HNC will defend and indemnify OSI against any third-party claim alleging
that the HNC Software infringes any patent, or copyright, trade secret or other
proprietary right, provided that HNC is given prompt notice of the claim and
full control of the defense. HNC will not be

                                        6

<PAGE>

obligated to defend or indemnify OSI if such claim is based on a modification of
the HNC Software by OSI, or a combination of the HNC Software with other
products not supplied by HNC nor authorized by HNC to be combined with its
software, if the HNC Software would not have infringed absent such modification
or combination.

8.2 OSI will defend and indemnify HNC against any third-party claim alleging
that the OSI Software infringes any patent, or copyright, trade secret or other
proprietary right, provided that OSI is given prompt notice of the claim and
full control of the defense. OSI will not be obligated to defend or indemnify
HNC if such claim is based on a modification of the OSI Software by HNC, or a
combination of the OSI Software with other products not supplied by OSI nor
authorized by OSI to be combined with its software, if the OSI Software would
not have infringed absent such modification or combination.

9. MEDIA RELEASES

Except for any announcement intended solely for internal distribution or any
disclosure required by legal, accounting, or regulatory requirements beyond the
reasonable control of the parties, all media releases, public announcements, or
public disclosure for general distribution (including, but not limited to,
promotional or marketing material) by either party, or by their employees or
agents, relating to this Agreement and/or any Project Agreement or its subject
matter, other than general statements that a contractual relationship exists
between the parties, will be coordinated with and approved in writing by the
other party prior to its release.

10. TERM AND TERMINATION.

      10.1 Termination Without Cause. Unless earlier terminated by either Party
pursuant to Section 10.2 below, this Agreement will be in effect for an initial
term of one (1) year from the Effective Date, at which time this Agreement will
automatically renew for one or more subsequent renewal terms of one (1) year
each on each anniversary of the Effective Date unless either Party sends thirty
(30) days written notice to the other Party of its intent not to renew this
Agreement prior to the end of (i) the initial term or (ii) any subsequent
renewal term.

      10.2 Termination for Cause. Either Party may terminate this Agreement upon
the occurrence of any of the following events:

            (A) Breach by the other Party of any of the material terms,
obligations, covenants, representations or warranties under this Agreement
(including, but not limited to, those contained in Section 3 of this Agreement)
and the failure of the breaching Party to cure that breach within thirty (30)
days from receipt of written notice from the non-breaching Party identifying the
breach; provided that if the breach is not reasonably capable of cure within a
thirty (30) day period, the breaching party may avoid termination under this
subsection 10.2 by promptly commencing efforts to cure the breach and diligently
prosecuting the cure to completion as soon as practicable, but not later than
one hundred and twenty (120) days from the receipt of notice from the
non-breaching Party; or

                                        7

<PAGE>

            (B) The other Party is declared insolvent or bankrupt, or makes an
assignment of substantially all of its assets for the benefit of creditors, or a
receiver is appointed or any proceeding is demanded by, for or against the other
Party under any provision of the federal Bankruptcy Act or any amendment to that
Act (provided, however, that termination will not be permitted if such a
proceeding is brought against a Party and is terminated by that Party within
thirty (30) days); or

            (C) The other Party attempts to assign this Agreement within the
meaning of subsection 12.1 without obtaining the prior written consent of the
terminating Party.

      10.3 Continuing Validity of Project Agreements. Notwithstanding anything
in this Agreement that may be construed to the contrary, the termination or
expiration of this Agreement will not rescind or otherwise terminate any Project
Agreement then in effect, unless a Project Agreement specifically provides that
it will terminate upon termination or expiration of this Agreement.

      10.4 Survival. The obligations of subsections 3.1 through 3.6, and 7.3,
and Section 4, 5, 8 and 11 will continue in effect after termination of this
Agreement.

      10.5 Return of Licensed Materials. Upon any termination of the license
granted under this Agreement and/or any Project Agreement, each Party shall
return to the other Party (or at the option of the other Party, destroy and
certify in writing that it has destroyed) the original and all copies of the OSI
Software or HNC Software, as the case may be, including partial copies, if any.

11. LIMITATION OF LIABILITY.

NEITHER HNC NOR OSI SHALL BE LIABLE TO THE OTHER FOR INDIRECT, CONSEQUENTIAL,
SPECIAL OR ECONOMIC DAMAGES OF ANY TYPE, INCLUDING LOST PROFITS. NEITHER PARTY
SHALL BE LIABLE TO THE OTHER FOR PUNITIVE DAMAGES. THE REMEDIES SET FORTH IN
THIS AGREEMENT ARE EXCLUSIVE.

12. PROVISIONS OF GENERAL APPLICABILITY.

      12.1 Assignment. Neither Party may assign or subcontract its rights or
obligations under this Agreement without the prior written consent of the other
Party. Such consent will not be unreasonably withheld.

      12.2 Non-Waiver. Neither Party will, by the lapse of time, and without
giving written notice, be deemed to have waived any of its rights under this
Agreement. No waiver of a breach of this Agreement will constitute a waiver of
any prior or subsequent breach of this Agreement or of any similar or related
provision in any Project Agreement.

      12.3 Entire Agreement: Amendment. This Agreement and the exhibits attached
hereto constitute the entire understanding of the Parties with respect to the
overall strategic alliance and

                                        8

<PAGE>

the individual cooperative ventures to be carried out by the Parties and
supersedes all prior communications regarding its subject matter, although the
Parties understand and agree that subsequent Project Agreements will provide
further terms and conditions applicable to particular Projects. This Agreement
will not be more strongly construed against either Party, regardless of who is
more responsible for its preparation. This Agreement may not be amended except
by a written agreement that acknowledges modification of this Agreement and
which is signed by authorized representatives of OSI and HNC. No Project
Agreement will be construed as an amendment of this Agreement unless the
Parties' intent to amend this Agreement is clearly stated in such Project
Agreement.

      12.4 Notices. Notices given under this Agreement must be in writing and
must be (i) served personally, or (ii) delivered by first class U.S. mail,
certified or registered, postage prepaid and addressed to the addressees set
forth below, or (iii) delivered by overnight courier service, addressed to the
addressees as set forth below. Notices will be deemed received at the earlier of
actual receipt in the case of personal service, overnight courier, or U.S. Mail
delivery. The Parties may change their addresses by giving notice of such change
to the other Party as provided in this subsection 12.4.

           If to OSI:
                           Mr. Michael D. Nicastro
                           Vice President
                           Open Solutions Inc.
                           860-652-3155
                           860-652-7482 (FAX)

           If to HNC:      Mr. Raymond V. Thomas, Vice President, Finance and
                           Administration; Chief Financial Officer
                           HNC Software Inc.
                           5930 Cornerstone Court West
                           San Diego, California 92121-3728
                           Telephone:    619-546-8877
                           Facsimile:    (619) 452-6524

      12.5 Severability. If any part of this Agreement and/or any Project
Agreement are found to be illegal or unenforceable, then that part will be
curtailed only to the extent necessary to make it, and the remainder of the
Agreement and/or any Project Agreement, legal and enforceable.

      12.6 Applicable Law. This Agreement and or any Project Agreement will be
governed solely by the internal laws of the State of Connecticut, without regard
to principles of conflicts of law.

                                        9

<PAGE>

      12.7 Independent Contracting Parties. Nothing in this Agreement creates a
joint venture, partnership, principal-agent or mutual agency relationship
between the Parties. No Party has any right or power under this Agreement to
create any obligation, expressed or implied, on behalf of the other Party. No
employee of a Party will be deemed to be an employee of the other Party by
virtue of this Agreement.

      12.8 Headings. The titles or captions used in this Agreement are for
convenience only and will not be used to construe or interpret any provision
hereof.

      12.9 Authority. Each person signing below represents and warrants that he
or she has the necessary authority to bind the principal set forth below. OSI
and HNC represent and warrant that they have the authority to bind each of their
subsidiaries to this Agreement to the same extent as if such subsidiaries had
executed this Agreement.

      12.10 Counterparts. This Agreement may be signed in any number of
counterparts, each of which will be an original, with the same effect as if the
signatures hereto were upon the same instrument.

      IN WITNESS WHEREOF, the Parties have duly executed this Agreement as of
the Effective Date.

OPEN SOLUTIONS INC.,                      HNC SOFTWARE INC.,
a Delaware corporation                    a Delaware corporation

By: /s/ Douglas K. Anderson               By:
    -------------------------                 ----------------------------
    Douglas K. Anderson                       Michael Thiemann
    Chairman & CEO                            President, HNC Financial Solutions

                                         10

<PAGE>

behalf of the other Party. No employee of a Party will be deemed to be an
employee of the other Party by virtue of this Agreement.

      12.8 Headings. The titles or captions used in this Agreement are for
convenience only and will not be used to construe or interpret any provision
hereof.

      12.9 Authority. Each person signing below represents and warrants that he
or she has the necessary authority to bind the principal set forth below. OSI
and HNC represent and warrant that they have the authority to bind each of their
subsidiaries to this Agreement to the same extent as if such subsidiaries had
executed this Agreement.

      12.10 Counterparts. This Agreement may be signed in any number of
counterparts, each of which will be an original, with the same effect as if the
signatures hereto were upon the same instrument.

      IN WITNESS WHEREOF, the Parties have duly executed this Agreement as of
the Effective Date.

OPEN SOLUTIONS INC.,                      HNC SOFTWARE INC.,
a Delaware corporation                    a Delaware corporation

By:                                       By: /s/ Michael Thiemann
    -------------------------                 ----------------------------
    Douglas K. Anderson                       Michael Thiemann
    Chairman & CEO                            President, HNC Financial Solutions

                                         10

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