exhibit 10. 4 checkfree services corporation electronic commerce service agreement * this electronic commerce service agreement ( “ agreement ” ) is made by and between checkfree services corporation ( “ checkfree ” ), a delaware corporation, with its principal office at 4411 east jones bridge road, norcross, georgia 30092, and digital insight corporation ( “ reseller ” ), with its principal office at 26025 mureau road, calabasas, california 91302, and is as follows : 1. scope of agreement. the purpose of this agreement is to enable reseller to resell checkfree ’ s services in connection with other services offered by reseller to its client base in the united states. the “ service ” or “ services ” are checkfree ’ s bill payment services ( that represent a nationwide system for consolidating bill payments into the appropriate remittance data, both paper and electronic, for merchants / billers ) and bill delivery services ( that represent a nationwide electronic bill delivery system for the delivery of consumer bills via the internet ) as further described in schedule a. a “ client ” is a financial institution or other entity that utilizes the services offered by reseller for the initiation of electronic banking transactions and / or electronic bill payments by the client ’ s users, and that has entered into a contract with reseller pursuant to which the client will receive services through reseller. a “ user ” is the depositary customer of client, normally, but not always, a consumer account holder of the client, who has completed an application, been approved and been activated to receive the services through checkfree, and generates electronic bill payments through reseller. while a client is under contract with reseller for certain services pursuant to this agreement, checkfree will have no direct contractual relationship for such services with such individual client. this agreement represents a master agreement between reseller and checkfree for services, and reseller will establish and manage the relationships with its clients and users. 2. term of agreement. 2. 1 this agreement shall be effective as of september 8, 2004 ( “ effective date ” ) and shall remain in force for a period of three ( 3 ) years ( “ initial term ” ) ; and shall automatically renew and extend for successive one ( 1 ) year terms, commencing at the conclusion of the initial term or any renewal term, unless contrary notice in writing is given by reseller or checkfree at least one hundred eighty ( 180 ) days prior to termination