Document:

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                              EMPLOYMENT AGREEMENT

                  THIS EMPLOYMENT AGREEMENT is entered into as of November 24,
2000 by and between Corillian Corporation, an Oregon corporation, and its
affiliates, divisions and subsidiaries (collectively, "EMPLOYER"), and David R.
Hatcher ("EXECUTIVE").

                                   WITNESSETH:

                  WHEREAS, Employer desires to obtain the benefit of service by
Executive, and Executive desires to render services to Employer;

                  WHEREAS, the Board of Directors of Employer (the "BOARD") has
determined that because of Executive's substantial experience and business
relationships in connection with the business of Hatcher Associates, Inc., a
California corporation and subsidiary of Employer ("HATCHER"), it is in the
Employer's best interest and that of its shareholders to secure the services of
Executive and to provide Executive certain additional benefits;

                  WHEREAS, in connection with Employer's purchase of all
outstanding capital stock of Hatcher, including shares of capital stock held by
Executive and his affiliates, Employer agreed to enter into this Agreement with
Executive; and

                  WHEREAS, Employer and Executive desire to set forth in this
Agreement the terms and conditions of Executive's employment with Employer.

                  NOW, THEREFORE, in consideration of the mutual promises and
covenants herein contained, the parties agree as follows:

         1. EXECUTIVE REPRESENTATION. Executive represents and warrants that he
has the capacity to enter into this Agreement and that this Agreement will not
conflict with or result in a default under any other agreement binding on
Executive.

         2. TITLE; DUTIES AND RESPONSIBILITIES. Employer and Executive agree
that, subject to the provisions of this Agreement, Employer will employ
Executive and Executive will serve Employer as Senior Vice President of Employer
and President of Hatcher for the duration of this Agreement. Executive will
report to Employer's Chief Operating Officer. Executive agrees to observe and
comply with the written rules and regulations of Employer respecting the
performance of Executive's duties and agrees to carry out and perform orders,
directions and policies of Employer and its Board as they may be, from time to
time, stated either orally or in writing to Executive. Except as specifically
provided otherwise in this Agreement, Executive shall comply with all of the
policies and procedures adopted by Employer (as the same may be amended from
time to time by Employer) and available or disclosed to Executive. During the
term of this Agreement, Executive shall also serve on Employer's Advisory Board.

         3. TERM. Employer agrees to employ Executive and Executive agrees to
serve Employer, in accordance with the terms of this Agreement, commencing on
the date hereof and continuing until the second anniversary of this Agreement
(the "Term"), unless this Agreement is earlier terminated in accordance with the
provisions of this Agreement.

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         4. SERVICES AND EXCLUSIVITY OF SERVICES. During the Term, Executive
shall (i) devote his full business time, energy and ability exclusively to the
business, affairs and interests of Employer, and matters related thereto, (ii)
use Executive's best efforts and abilities to promote Employer's interests, and
(iii) perform the services contemplated by this Agreement in accordance with
policies established by Employer and under the direction of Employer's Chief
Operating Officer and Chief Executive Officer and the Board.

                  Without the prior express written authorization of the Board,
Executive shall not, directly or indirectly, during the term of this Agreement:
(a) render services to any other person or firm for compensation or (b) engage
in any activity competitive with or adverse to Employer's Business (as defined
below), whether alone, as a partner, or as an officer, director, employee or
significant investor of or in any other entity. (An investment of greater than
5% of the outstanding capital or equity securities of an entity shall be deemed
significant for these purposes.) "Business" shall mean the development,
marketing and sale of solutions to enable companies to offer electronic
financial services (including, without limitation, through the Internet, mobile
phones, PDA's or interactive television) and the provision of professional
services to implement, install and customize such solutions.

                  Executive may serve as a director or in any other capacity of
any business enterprise or any nonprofit or governmental entity or trade
association, whose activities involve or relate to the Business, provided in
each case that such service is expressly approved by the Board or Employer's
Chief Operating Officer and does not interfere with Executive's duties
hereunder.

                  Executive may make and manage personal business investments of
his choice and serve in any capacity with any civic, educational or charitable
organization without seeking or obtaining approval by the Board or Employer's
Chief Operating Officer, provided that such activities and services do not
substantially interfere or conflict with the performance of duties hereunder or
create any conflict of interest with such duties. An investment that exceeds 5%
of the equity securities or capitalization of a competitor, supplier or customer
of Employer shall be deemed to constitute such a conflict. Executive shall not
serve in any of such capacities for any business enterprise unless such service
is expressly authorized by the Board or Employer's Chief Operating Officer in
advance.

                  Executive represents to Employer that Executive has no other
outstanding commitments inconsistent with any of the terms of this Agreement or
the services to be rendered hereunder.

         5. COMPENSATION.

                  5.1 BASE COMPENSATION. During the Term, Employer agrees to pay
Executive, in accordance with Employer's applicable payroll policies in effect
from time to time during the Term, a base salary at the rate of $250,000 per
year (the "Base Salary").

                  5.2 ADDITIONAL BENEFITS. Executive shall also be entitled to
all rights and benefits for which Executive is otherwise eligible under any
bonus plan, incentive, participation or extra compensation plan, pension plan,
profit-sharing plan, life, medical, dental, disability, or

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insurance plan or policy or other plan or benefit, as from time to time in
effect, during the term of this Agreement that Employer may provide for
Executive or (provided Executive is eligible to participate therein) for
other employees of Employer with comparable positions and responsibilities
generally, including other Senior Vice Presidents (collectively, the
"Additional Benefits"). Notwithstanding the foregoing, Employer may, but will
not be obligated to, grant Executive stock options or other equity
compensation at its discretion. Executive will be entitled to participate in
the same bonus plan as other senior managers of Employer, which currently
consists of a targeted bonus of 20% of annual base salary and is dependent on
the achievement of certain corporate and personal objectives. In addition,
during the term of this Agreement, Employer will loan Executive annually the
sum necessary to timely pay the premiums on Executive's existing Split Dollar
Life Insurance Policies (the "Policies") and on which Hatcher previously paid
the premiums, but in no event shall the premiums exceed $50,000 annually.
Executive will pay Employer interest on any amounts loaned pursuant to the
preceding sentence (the "Loans") quarterly in arrears at a per annum interest
rate equal to the Prime rate, as published in the Money Rate section of The
Wall Street Journal. The Loans will mature on the date six months following
Executive's termination of employment with Employer, and Executive will
assign any proceeds received under the insurance policies to Employer as
collateral for the principal and interest due under the Loans. Employer will
first seek to recover any outstanding principal and interest under the Loans
by collecting the cash value of its interest in the Policies and then by
proceeding against Executive personally. Executive agrees to execute such
documentation as Employer may reasonably request to evidence the foregoing
agreements regarding the Loans to Executive. If the Loans (together with
accrued but unpaid interest) shall be repaid to Employer, then Employer shall
promptly release its collateral assignment. If the proceeds of the Policies
become payable by reason of Executive's death, Employer shall have the right
to receive the proceeds of the Policies in an amount equal to the outstanding
principal and interest under the Loans less any amounts borrowed by Employer
under the Policies. The balance, if any, of the proceeds of the Policies
shall be paid directly by the insurer to the beneficiary designated by
Executive.

                  5.3 PERIODIC REVIEW/ADJUSTMENT. Employer's Chief Operating
Officer, in conjunction with Employer's Chief Financial Officer, shall review
Executive's Base Salary and Additional Benefits then being paid to him not less
frequently than every twelve months in the light of additional or reduced
responsibilities, if any, which may have been assigned or assumed, the results
of operations and prospects of Employer, and current salaries and benefits then
being paid to other persons. Following such review, Employer may increase (but
shall not be required to increase) the salary or any other benefits, but may not
decrease the salary from the then existing level.

                  5.4 PERQUISITES. Executive shall be entitled to 6 weeks
(inclusive of statutory holidays) of paid vacation each twelve-month period,
which shall accrue on a pro rata basis from the date employment commences under
this Agreement. Vacation may be taken at such time during each year as may be
mutually agreed upon by Executive and Employer. At no time may Executive accrue
more than 8 weeks of vacation.

                  5.5 OVERALL QUALIFICATION. Subject to the terms of any written
benefit plans, Employer reserves the right to modify, suspend or discontinue any
and all of the above referenced benefit plans, practices, policies and programs
at any time (whether before or after

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termination of employment) without notice to or recourse by Executive so long
as such action is taken generally with respect to other similarly situated
persons and does not single out Executive.

         6. TERMINATION. The Base Salary and Additional Benefits provided to
Executive pursuant to this Agreement, and the employment of Executive by
Employer, shall be terminated prior to expiration of the Term only as provided
in this Section 6.

                  6.1 DISABILITY. If a physical or mental illness renders
Executive unable to perform his normal duties in connection with Employer for a
period of 180 days (whether or not consecutive) out of any consecutive 365 days
and that the Board reasonably determines is reasonably expected to continue to
render Executive unable to perform such duties (a "Disability"), Executive's
employment hereunder may be terminated by written notice of termination from
Employer to Executive. Executive agrees to submit to examinations from time to
time by a duly licensed physician, who shall be selected by Employer's Chief
Executive Officer, in connection with any actual or alleged Disability;
provided, that such physician shall be independent as to Employer and its
affiliates (other than Executive) and shall be a specialist in the area of
Executive's alleged Disability. If Executive's employment is terminated by
Employer because of a Disability, this Agreement will terminate in all respects,
provided that Employer shall pay to Executive or the personal representative of
Executive (the "Beneficiary"), as applicable, any Base Salary through the date
of termination and any accrued Additional Benefits that do not by their terms
end at the Disability of Executive.

                  6.2 DEATH. If Executive dies during the Term, this Agreement
will terminate in all respects, provided that Employer shall pay to the
Beneficiary any Base Salary through the date of death and any accrued Additional
Benefits that do not by their terms end at the death of Executive.

                  6.3 FOR CAUSE. Executive's employment hereunder shall be
terminated and all of his rights to receive Base Salary and (subject to the
terms of any plans relating thereto) Additional Benefits hereunder in respect of
any period after such termination, shall terminate upon a determination by the
Board, acting in good faith based upon actual knowledge at such time, that
Executive (i) is or has been grossly negligent, (ii) is engaging or has engaged
in willful misconduct or a breach of fiduciary duty involving personal profit,
(iii) has failed to perform material duties, (iv) has willfully violated any
law, rule or regulation other than traffic violations and minor violations, (v)
has been convicted of any felony, or (vi) has intentionally or materially
breached any of the provisions of this Agreement (each of the above being a
termination for "Cause").

                  (A) Employer shall effect a termination for Cause by written
         notice to Executive specifying in reasonable detail the circumstances
         alleged by Employer that constitute a basis for termination for Cause
         and the specific provisions of Section 6.3 relied upon in effecting
         such termination. The date of such termination shall be the date ten
         (10) days after Employer gives such notice of termination to Executive.
         If the grounds for such termination are the grounds set forth in
         Section 6.3 (excluding, for this purpose, conviction of a felony as set
         forth above), then during such ten (10) day period, Executive shall be
         afforded an opportunity to discuss the basis for such termination with

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         each member of the Board, and Executive shall, at his election
         exercised in writing and delivered to Employer's Chief Operating
         Officer prior to the expiration of such ten (10) day period, be
         entitled to a period of not less than thirty (30) days after the date
         of such discussion to attempt to remedy or cure the conduct alleged to
         constitute such grounds and the harm caused thereby if in the good
         faith and reasonable judgment of the Board, such conduct and harm is
         capable of being remedied or cured within said thirty (30) day period.
         If, after the expiration of such cure period, the Executive has not in
         the good faith and reasonable judgment of the Board, remedied or cured
         the conduct alleged to constitute such grounds and the harm caused
         thereby (the "Board Decision"), the termination for Cause shall be
         effective upon notice to Executive of the Board Decision.

                  (B) Upon termination of Executive's employment for Cause, the
         obligations of Executive and Employer under this Agreement shall
         immediately cease. Such termination shall be without prejudice to any
         other remedy to which Employer may be entitled either at law, in
         equity, or under this Agreement.

                  6.4 WITHOUT CAUSE.

                  (A) Notwithstanding any other provision of this Section 6,
         Executive shall have the right to terminate Executive's employment with
         Employer at any time after the date six months from the date of this
         Agreement, but any such termination, other than as expressly provided
         in Section 6.4, shall terminate the accrual of Base Salary and
         Additional Benefits provided under this Agreement for the remainder of
         the Term. Employer shall, within five business days of such
         termination, pay to Executive all Base Salary and Additional Benefits
         accrued through the date of such termination.

                  (B) Employer may terminate Executive's employment hereunder at
         any time without cause. Upon a termination of Executive's employment by
         Employer without cause hereunder, Employer shall pay to Executive any
         Additional Benefits accrued through the date of termination and the
         lesser of (i) Executive's Base Salary for the remaining term of this
         Agreement or (ii) one year's Base Salary.

                  6.5 NO LIMITATION. Employer's exercise of its right to
terminate shall be without prejudice to any other right or remedy to which it or
any of its affiliates may be entitled at law, in equity or under this Agreement.

                  6.6 EXCLUSIVE REMEDY. Executive agrees that the payments
expressly provided and contemplated by this Agreement shall constitute the sole
and exclusive obligation of Employer in respect of Executive's employment with
and relationship to Employer and that the payment thereof shall be the sole and
exclusive remedy for any termination of Executive's employment. Executive
covenants not to assert or pursue any other remedies, at law or in equity, with
respect to any termination of employment.

         7. BUSINESS EXPENSES. During the Term, Employer shall, in accordance
with Employer's policy in effect from time to time, reimburse Executive promptly
for all reasonable and adequately documented business expenses which Executive
incurs in his reasonable judgment in connection with the services to be rendered
to Employer hereunder, including

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entertainment, travel, and transportation expenses incurred in pursuit and
furtherance of Employer's business and good will. In addition to any amounts
due to Executive upon a termination of this Agreement in accordance with
Sections 6.1, 6.2, 6.3 or 6.4, Employer shall pay Executive any amounts due
under this Section 7 up to the date of termination.

         8. NO SOLICITATION OF EMPLOYEES OR CLIENTS. Executive agrees that he
will not, directly or indirectly, for a period of 3 years from the termination
of this Agreement, solicit, entice, persuade, or induce any employee of Employer
or any client under contract with Employer to terminate his or her employment
by, or contract with, Employer or its subsidiaries, if any, or to refrain from
extending or renewing the same (upon the same or new terms) or to become
employed by or to enter into any agency contract with a person or business other
than Employer. Executive or any agent of Executive shall not be prohibited from
placing public employment notices to which employees of Employer respond.

         9. DISPUTE RESOLUTION.

                  9.1 GOVERNING LAW. This Agreement is to be interpreted in
accordance with the laws of the State of California. Executive and Employer
hereby expressly consent to the personal jurisdiction of the state and federal
courts located in Los Angeles, California for any action or proceeding arising
from or relating to this Agreement.

                  9.2 ATTORNEYS' FEES AND COURT COSTS. If any suit or action
arising out of or related to this Agreement is brought by any party, the
prevailing party shall be entitled to recover the costs and fees (including
without limitation reasonable attorney fees, the fees and costs of experts and
consultants, copying, courier and telecommunication costs, and deposition costs
and all other costs of discovery) incurred by such party in such suit or action,
including without limitation any post-trial or appellate proceeding.

                  9.3 EQUITABLE RELIEF. Executive acknowledges that Employer may
not have an adequate remedy at law in the event of any breach or threatened
breach by Executive of this Agreement pertaining to confidentiality or
intellectual property, and that Employer or its customers or suppliers may
suffer irreparable injury as a result. In the event of any such breach or
threatened breach, Executive hereby consents to the granting of injunctive
relief without the posting by Employer of any bond or other security.

         10. MISCELLANEOUS.

                  10.1 SUCCESSION; SURVIVAL. This Agreement shall inure to the
benefit of and shall be binding upon Employer, its successors and assigns. The
obligations and duties of Executive hereunder are personal and otherwise not
assignable. Executive's obligations and representations under this Agreement
will survive the termination of Executive's employment, regardless of the manner
of such termination.

                  10.2 NOTICES. Any notice or other communication provided for
in this Agreement shall be in writing and sent if to Employer to its principal
office at:

                           Corillian Corporation

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                           3400 NW John Olsen Place
                           Hillsboro, OR 97124
                           Attention:  Erich J. Litch

or at such other address as Employer may from time to time in writing
designate, and if to Executive at such address as Executive may from time to
time in writing designate (or Executive's business address of record in the
absence of such designation). Each such notice or other communication shall
be effective (i) if given by telecommunication, when transmitted to the
applicable number so specified in (or pursuant to) this Section 10.2 and an
appropriate answerback is received, (ii) if given by mail, three days after
such communication is deposited in the mails with first class postage
prepaid, addressed as aforesaid or (iii) if given by any other means, when
actually delivered at such address.

                 10.3 ENTIRE AGREEMENT; AMENDMENTS. This Agreement contains
the entire agreement of the parties relating to the subject matter hereof and
it supersedes any prior agreements, undertakings, commitments and practices
relating to Executive's employment by Employer or Hatcher. No amendment or
modification of the terms of this Agreement shall be valid unless made in
writing and signed by Executive and, on behalf of Employer, by an officer
expressly so authorized by the Board.

                  10.4 WAIVER. No failure on the part of any party to
exercise or delay in exercising any right hereunder shall be deemed a waiver
thereof or of any other right, nor shall any single or partial exercise
preclude any further or other exercise of such right or any other right.

                  10.5 EMPLOYER INFORMATION. Executive agrees that he will
not, during his employment with Employer, improperly use or disclose any
proprietary information or trade secrets of any former or concurrent employer
or other person or entity and that he will not bring onto the premises of
Employer or its affiliates (other than, with respect to information received
by Executive through Hatcher, Hatcher) any unpublished document or
proprietary information belonging to any such employer, person or entity in
violation of any agreement or law, unless consented to in writing by such
employer, person or entity.

                  10.6 PLACE OF EMPLOYMENT. Employer recognizes that
Executive's residence and principal place for performing his obligations
hereunder shall be Los Angeles, California; provided, however, that Executive
will be expected to engage in travel throughout the United States and the
world as Employer may reasonably request or as may be required for the proper
performance of services hereunder.

                  10.7 SEVERABILITY. If this Agreement shall for any reason
be or become unenforceable in any material respect by any party, this
Agreement shall thereupon terminate and become unenforceable by the other
party as well. In all other respects, if any provision of this Agreement is
held invalid or unenforceable, the remainder of this Agreement shall
nevertheless remain in full force and effect. If any provision is held
invalid or unenforceable with respect to particular circumstances, it shall
nevertheless remain in full force and effect in all other circumstances to
the fullest extent permitted by law and may be modified by a court to make
the provision consistent with applicable laws.

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                  10.8 SECTION HEADINGS. Section and other headings contained
in this Agreement are for convenience of reference only and shall not affect
in any way the meaning or interpretation of this Agreement.

                  10.9 COUNTERPARTS. This Agreement and any amendment hereto may
be executed in one or more counterparts. All of such counterparts shall
constitute one and the same agreement and shall become effective when a copy
signed by each party has been delivered to the other party.

                  10.10 CONSTRUCTION. The parties hereto acknowledge that each
party to this Agreement is sophisticated and has been represented by counsel in
connection with this Agreement and the transactions contemplated by this
Agreement. Accordingly, no provision of this Agreement shall be construed
against any party on the ground that such party or its counsel drafted the
provision, and the parties hereby waive any statute or rule to the contrary.

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                  IN WITNESS WHEREOF, the parties have executed this Agreement
as of the date first above written.

                                   "EMPLOYER"

                                   CORILLIAN CORPORATION

                                   BY:_________________________________

                                   ITS:________________________________

                                   "EXECUTIVE"

                                   DAVID R. HATCHER

                                   ____________________________________

                           Address:____________________________________
                                   ____________________________________
                                   ____________________________________

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                               SEVERANCE AGREEMENT

                  This Severance Agreement (this "Agreement") is entered into
this 24th day of November, 2000, by and between CORILLIAN CORPORATION, an Oregon
corporation, and its subsidiaries and divisions (the "Company") and _________
__________ ("Participant").

                                    RECITALS

                  A. Participant serves as an employee of Hatcher Associates,
Inc., a California corporation and subsidiary of the Company ("Hatcher").

                  B. The Company agreed to enter into this Agreement with
Participant in connection with its purchase of all outstanding capital stock of
Hatcher.

                                    AGREEMENT

                  1. SEVERANCE; TERMINATION OF AGREEMENT. Subject to the terms
and conditions in this Agreement, the Company will pay Participant any accrued
bonuses or commissions through the date of termination and one-half of
Participant's Base Salary within 5 business days after the satisfaction of the
conditions set forth in Section 3 if such Participant's employment with the
Company and all of its subsidiaries or affiliates is terminated (i) by the
Company for any reason other than Cause or (ii) by the Participant for Good
Reason. No payment will be made hereunder if a Participant's employment
terminates because of his or her Disability or death. Payment under this Section
will be in lieu of any amount that may be otherwise owed to a Participant for
the loss of employment. The payment referred to above is not intended to
preclude other compensation or benefits as may be authorized by the Board of
Directors of the Company, from time to time. "Base Salary" means the annual base
salary of Participant, payable at the annualized rate by the Company, in effect
at the time of his or her termination. This Agreement and all rights of
Participant hereunder will terminate upon the first anniversary of this
Agreement.

                           "CAUSE" means dishonesty, fraud, misconduct,
                  unauthorized use or disclosure of confidential information or
                  trade secrets, or conviction or confession of a crime
                  punishable by law (except minor violations), in each case as
                  determined by the Compensation Committee of the Company, and
                  its determination shall be conclusive and binding.

                            "DISABILITY" means a mental or physical impairment
                  of the Participant that is expected to result in death or that
                  has lasted or is expected to last for a continuous period of
                  12 months or more and that causes the Participant to be
                  unable, in the opinion of the Company, to perform his or her
                  duties for the Company and to be engaged in any substantial
                  gainful activity.

                            "GOOD REASON" means (i) a material diminution in the
                  Participant's duties, responsibilities or title or (ii) a
                  reduction in Participant's Base Salary or other benefits,
                  except, with respect to other benefits, if such benefits are
                  reduced for other similarly situated employees of the Company.

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                  2. TERMINATION FOR CAUSE PROCEDURE. To terminate a
Participant's employment under this Agreement for Cause, the Company must give
Participant a notice of termination that (a) sets forth in reasonable detail the
facts and circumstances claimed to provide a basis for termination of the
Participant's employment under this Plan and (b) specifies the date of
termination (which date shall be not more than 15 days after the giving of such
notice). Participant will have an opportunity to be heard by giving written
notice to the Company within five business days after the date of termination
specified in the Company's notice of termination. A termination is final in all
respects on the date three days following an opportunity to be heard by
Participant's supervisors and written notice to the Participant that such
employee's service is terminated. The failure by the Company to set forth in the
notice of termination any fact or circumstance that contributes to a showing of
grounds for Cause will not waive any right of the Company hereunder or preclude
the Company from asserting such fact or circumstance in enforcing the Company's
rights hereunder.

                  3. RELEASE. As a condition to the entitlement to and receipt
of any payments under this Agreement, after termination, but at least eight days
before any payments are due, Participant must execute and deliver the Release
attached hereto as Exhibit A. To receive payments under this Agreement, the
Release must not have been rescinded or revoked as permitted thereby.

                  4. RELATIONSHIP TO OTHER PLANS AND AGREEMENTS. The payments
under this Agreement will not be offset by any amounts that Participant is
entitled to receive under the Company's stock incentive plans or a retirement or
pension plan qualified under Section 501 of the Internal Revenue Code of 1986,
as amended (the "Code"). Payments under this Agreement will be offset by any
other amounts received by Participant as severance or termination pay under any
other plan or policy of the Company or any of its subsidiaries or affiliates. In
addition, this Agreement will supersede and terminate any other agreements or
plans, whether in writing or not, between the Company or any of its subsidiaries
or affiliates and Participant with respect to severance payments or termination
pay. Any payments under this Agreement will not in any way be counted or applied
to increase benefit accruals or Company contributions or obligations under any
other benefit plans or policies of the Company.

                  5. LIMITATION ON BENEFITS. Notwithstanding any other provision
of this Agreement, in no event will Participant receive or be entitled to
receive any amount in the aggregate under this Agreement and all other plans or
agreements with the Company that constitutes or would constitute an "excess
parachute payment" (as that term is defined in Section 280G of the Code).

         6. OTHER AGREEMENTS.

                  6.1. WITHHOLDING; DEDUCTIONS. All payments made under this
                  Agreement will be subject to applicable taxes, withholding and
                  other required, normal or elected employee deductions.

                  6.2. OFFSETTING OBLIGATIONS. The Company's obligation to pay
                  Participant the severance payments provided herein will be
                  reduced by the amount of any

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                  obligations then owed by Participant to the Company and by
                  any applicable amounts under Sections 4 and 5.

         7.  GENERAL PROVISIONS

                  7.1. ASSIGNMENT. This Agreement is a personal contract, and
                  the rights, interests and obligations of Participant under
                  this Agreement may not be sold, transferred, assigned, pledged
                  or hypothecated, except that the Company's obligations under
                  this Agreement may be delegated to any entity by contract or
                  law that succeeds to all or substantially all of the Company's
                  business or assets. The terms and conditions of this Agreement
                  will inure to the benefit of and be binding upon any successor
                  to the business of the Company and any of Participant's heirs
                  and legal representatives.

                  7.2. AMENDMENTS; WAIVERS. Amendments, waivers, demands,
                  consents and approvals under this Agreement must be in writing
                  and designated as such. No failure or delay in exercising any
                  right will be deemed a waiver of such right.

                  7.3. INTEGRATION. This Agreement is the entire agreement
                  between the parties pertaining to its subject matter, and
                  supersedes all prior agreements and understandings of the
                  parties in connection with the subject matter.

                  7.4. GOVERNING LAW. This Agreement is to be interpreted in
                  accordance with the laws of the State of California. The
                  Participant and the Company hereby expressly consent to the
                  personal jurisdiction of the state and federal courts located
                  in Los Angeles, California for any action or proceeding
                  arising from or relating to this Agreement.

                  7.5. HEADINGS. Headings of sections are for convenience only
                  and are not a part of this Agreement.

                  7.6. COUNTERPARTS. This Agreement may be executed in one or
                  more counterparts, all of which constitute one agreement.

                  7.7. SUCCESSORS AND ASSIGNS. This Agreement is binding upon
                  and inures to the benefit of each party and such party's
                  respective heirs, personal representatives, successors and
                  assigns. Nothing in this Agreement, express or implied, is
                  intended to confer any rights or remedies upon any other
                  person.

                  7.8. EXPENSES. Each party will pay its own expenses in the
                  negotiation and preparation of this Agreement.

                  7.9. REPRESENTATION BY COUNSEL; INTERPRETATION. Each party
                  acknowledges that it has had the opportunity to be represented
                  by counsel in connection with this Agreement. This Agreement
                  is to be construed as a whole and in accordance with its fair
                  meaning. Any rule of law, including, but not limited to,
                  Section 1654 of the California Civil Code, or any legal
                  decision that would require interpretation

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                  of any claimed ambiguities in this Agreement against the
                  party that drafted it, has no application and is expressly
                  waived.

                  7.10. NOTICES. Any notice to be given hereunder must be in
                  writing and delivered to the following addresses (or to
                  another address as either designates in writing). Such notice
                  will be effective (a) if given by telecopy or if confirmed by
                  return telecopy, (b) one business day after delivery through a
                  generally recognized and reputable overnight courier or
                  messenger for next day delivery or (c) if given by mail or any
                  other means, when actually delivered to the address specified.

<TABLE>
        <S>                                       <C>
        IF TO THE COMPANY:                        IF TO PARTICIPANT:
        Corillian Corporation                     At the most recent address on
        3400 NW John Olsen Place                  the books and records of
        Hillsboro, OR 97124                       the Company for Participant
        Attention:  Erich J. Litch
</TABLE>

                  [Remainder of page intentionally left blank.]

                                       4

<PAGE>

                  IN WITNESS WHEREOF, the parties have executed this Agreement
as of the date first above written.

                                               "Company"

                                                CORILLIAN CORPORATION

                                                By ____________________________

                                                Its ___________________________

                                                "Participant"

                                                _______________________________

                                       5

<PAGE>

                                    EXHIBIT B
                                RELEASE AGREEMENT

                  This Release Agreement (this "Agreement") is entered into this
___ day of _________, 20__, by and between Corillian Corporation, an Oregon
corporation, and its subsidiaries and divisions (the "Company"), and
________________ ("Employee").

                                    RECITALS

         A. The Company and the Employee are parties to a Severance Agreement,
            dated as of ____________ ___, 2000 (the "Severance Agreement").

         B. Under the terms of the Severance Agreement, Employee agreed to enter
            into this Agreement.

         NOW, THEREFORE, for in consideration of the mutual promises contained
herein, and other good and valuable consideration, the receipt and sufficiency
of which is hereby acknowledged, the parties agree as follows:

                                    AGREEMENT

                  1. SEVERANCE; RELEASE. In consideration of the payments to be
made to Employee under the Severance Agreement, Employee, on Employee's own
behalf and on behalf of Employee's descendants, dependents, heirs, executors,
successors, assigns and administrators hereby (1) covenants not to sue, (2)
fully releases and discharges, and (3) agrees to indemnify and hold harmless the
Company and each of its related companies or entities, and each of its
predecessors, successors, assigns, officers, directors, shareholders,
representatives, attorneys, employees and agents, past and present, with respect
to and from and against any and all claims, demands, obligations, causes of
action, debts, expenses, damages, judgments, orders and liabilities of whatever
kind or nature, in law, equity or otherwise, whether now known or unknown,
suspected or unsuspected, matured or unmatured, and whether or not concealed or
hidden (collectively, the "Claims"), which Employee now owns or holds or has at
any time heretofore owned or held or had, or may at any time own or hold or
have, against the Company, including without limiting the generality of the
foregoing, any Claims arising out of or in any way connected with any
transactions, occurrences, acts or omissions regarding or relating to Employee's
employment with the Company or any of its affiliates, or the termination of
Employee's employment, including without limitation any claims arising from any
alleged violation by the Company of any federal, state or local statutes,
ordinances or common laws, including, but not limited to, the Age Discrimination
in Employment Act, Title VII of the Civil Rights Act of 1964 and/or the Civil
Rights Act of 1991, the Americans with Disabilities Act, and the Family and
Medical Leave Act of 1993, or any claim for severance pay, bonus, sick leave,
holiday pay, vacation pay, life insurance, health or medical insurance or any
other fringe benefit, workers' compensation or disability.

                  2. ADEA WAIVER. Employee expressly acknowledges and agrees
that, by entering into this Agreement, Employee is waiving any and all rights
or claims that Employee

                                       6

<PAGE>

may have arising under the Age Discrimination in Employment Act of 1967, as
amended, which have arisen on or before the date of execution of this
Agreement. Employee further expressly acknowledges and agrees to the
following:

                  2.1. CONSIDERATION. In return for this Agreement, Employee
                  will receive consideration beyond that which Employee was
                  already entitled to receive before entering into this
                  Agreement.

                  2.2. COUNSEL. Employee was orally advised by Company and was
                  advised in writing to consult with an attorney before signing
                  this Agreement.

                  2.3. REVOCATION. Employee was informed that Employee has seven
                  (7) days following the date of execution of this Agreement in
                  which to revoke this Agreement.

                  3. WAIVER OF KNOWN AND UNKNOWN CLAIMS. In executing this
Agreement, Employee intends to bar each and every claim, demand and cause of
action specified above; in furtherance of this intention Employee hereby
expressly waives any and all rights and benefits conferred upon Employee by any
statutory provision and expressly agrees that this Agreement will be given full
force and effect according to each and all of its express terms and provisions.
This Agreement extends to unknown and unsuspected claims, demands and causes of
action, if any, as well as to those relating to any other claims, demands and
causes of action hereinabove specified. Employee makes this waiver with full
knowledge of Employee's rights, after adequate opportunity to consult with legal
counsel.

Employee acknowledges that Employee may hereafter discover claims or facts in
addition to or different from those which Employee now knows or believes to
exist with respect to the subject matter of this Agreement, and which, if known
or suspected at the time of executing this Agreement may have materially
affected this settlement. Nevertheless, Employee hereby waives any right, claim
or cause of action that might arise as a result of such different or additional
claims or facts. Employee hereby understands and acknowledges the significance
and consequence of such release and waiver. Participant has been advised of the
existence of Section 1542 of the California Civil Code, which provides:

                    A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE
         CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF
         EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM MUST HAVE MATERIALLY
         AFFECTED HIS SETTLEMENT WITH THE DEBTOR.

Notwithstanding such provision, this Agreement constitutes a full release in
accordance with its terms. Participant knowingly and voluntarily waives the
provisions of Section 1542, as well as any other statute, law, or rule of
similar effect, and acknowledges and agrees that this waiver is an essential and
material term of this Agreement, and without such waiver the severance payments
to Participant would not have been paid.

                  4. INDEMNIFICATION. Employee warrants and represents that
Employee has not previously assigned or transferred to any person not a party to
this Agreement, any released

                                       7

<PAGE>

matter or any part or portion thereof and Employee will defend, indemnify and
hold harmless the Company from and against any claim (including the payment
of attorneys' fees and costs actually incurred whether or not litigation is
commenced) based on or in connection with or arising out of any such
assignment or transfer made, purported or claimed.

                  5.       GENERAL PROVISIONS.

                  5.1. DISCLAIMER OF LIABILITY. While this Agreement resolves
                  all issues between the parties, as well as any future effects
                  and consequences of any acts or omissions, it does not
                  constitute an admission by any of the parties of any liability
                  or wrongdoing. Nothing in this Agreement or any related
                  document will be construed or admissible in any proceeding as
                  evidence of liability or wrongdoing by the Company or
                  Employee.

                  5.2. ADDITIONAL DOCUMENTATION AND COOPERATION WITH FURTHER
                  PROCEEDINGS. From time to time and without charge or other
                  consideration, the parties will execute such additional
                  documentation, take any actions and cooperate in further
                  proceedings in connection with carrying out and effectuating
                  the intent and purpose of this Agreement and all transactions
                  and things contemplated by this Agreement.

                  5.3. ASSIGNMENT. This Agreement is a personal contract, and
                  the rights, interests and obligations of Employee under this
                  Agreement may not be sold, transferred, assigned, pledged or
                  hypothecated, except that this Agreement may be assigned by
                  the Company to any corporation or other business entity that
                  succeeds to all or substantially all of the business of the
                  Company through merger, consolidation, corporate
                  reorganization or by acquisition of all or substantially all
                  of the assets of the Company and that assumes the Company's
                  obligations under this Agreement. The terms and conditions of
                  this Agreement will inure to the benefit of and be binding
                  upon any successor to the business of the Company and
                  Employee's heirs and legal representatives.

                  5.4. AMENDMENTS; WAIVERS. Amendments, waivers, demands,
                  consents and approvals under this Agreement must be in writing
                  and designated as such. No failure or delay in exercising any
                  right will be deemed a waiver of such right.

                  5.5. INTEGRATION. This Agreement is the entire agreement
                  between the parties pertaining to its subject matter, and
                  supersedes all prior agreements and understandings of the
                  parties in connection with such subject matter.

                  5.6. GOVERNING LAW. This Agreement is to be interpreted in
                  accordance with the laws of the State of California.

                  5.7. HEADINGS. Headings of sections are for convenience only
                  and are not a part of this Agreement.

                  5.8. COUNTERPARTS. This Agreement may be executed in one or
                  more counterparts, all of which constitute one agreement.

                                       8

<PAGE>

                  5.9. SUCCESSORS AND ASSIGNS. This Agreement is binding upon
                  and inures to the benefit of each party and such party's
                  respective heirs, personal representatives, successors and
                  assigns. Nothing in this Agreement, express or implied, is
                  intended to confer any rights or remedies upon any other
                  person.

                  5.10. INTERPRETATION. This Agreement is to be construed as a
                  whole and in accordance with its fair meaning. Any rule of
                  law, including, but not limited to, Section 1654 of the
                  California Civil Code, or any legal decision that would
                  require interpretation of any claimed ambiguities in this
                  Agreement against the party that drafted it, has no
                  application and is expressly waived.

                  5.11. TIME IS OF THE ESSENCE. Time is of the essence in the
                  performance of each and every term, provision and covenant in
                  this Agreement.

                  IN WITNESS WHEREOF, the parties have executed this Agreement
as of the date first above written.

                                    "Company"

                                    CORILLIAN CORPORATION

                                    By ____________________________

                                    Its ___________________________

                                   "Employee"

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

                                       9

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