CONSULTANT AGREEMENT

         Columbia  Financial Group is an investor  relations,  direct marketing,
publishing,  public  relations  and  advertising  firm  with  expertise  in  the
dissemination  of  information  about  publicly  traded  companies.  Also in the
business of providing investor relations  services,  public relations  services,
publishing,  advertising  services,  fulfillment  services,  as well as Internet
related services.

         Agreement  made  this  15th  day of  May,  2000,  between  WordCruncher
Internet  Technologies,  Inc.  (hereinafter  referred to as "Corporation"),  and
Columbia  Financial  Group,  Inc.  (hereinafter  referred  to as  "Consultant"),
(collectively referred to as the "Parties"):

                                    Recitals:

         The  Corporation  desires to engage the services of the  Consultant  to
perform for the  Corporation  consulting  services  regarding  all phases of the
Corporation's  "Investor  Relations" to include  direct  investor  relations and
broker/dealer   relations  as  such  may  pertain  to  the   operations  of  the
Corporation" business.

         The  Consultant  desires to consult  with the Board of  Directors,  the
Officers of the  Corporation,  and certain  administrative  staff members of the
Corporation,  and  to  undertake  for  the  Corporation  consultation  as to the
company's  investor  relations  activities  involving  corporate  relations  and
relationships with various  broker/dealers  involved in the regulated securities
industry.

                                    AGREEMENT

          1. The respective  duties and obligations of the  contracting  Parties
shall be for a period of eight (8) months commencing on the date first appearing
above.  This  Agreement may be  terminated by either  parties only in accordance
with the terms and conditions set forth in Paragraph 8.

                         Services Provided by Consultant

          2. Consultant will provide consulting  services in connection with the
Corporation's  "investor  relations"  dealings with NASD  broker/dealers and the
investing public.  (At no time shall the Consultant provide services which would
require  Consultant  to be  registered  and  licensed  with any federal or state
regulatory body or  self-regulating  agency.) During the term of this Agreement,
Consultant  will  provide  those  services  customarily  provided by an investor
relations firm to a Corporation, including but not limited to the following:

                   (a)  Aiding the  Corporation  in developing a marketing  plan
                        directed at  informing  the  investing  public as to the
                        business of the Corporation; and

                   (b)  Providing   assistance  and  expertise  in  devising  an
                        advertising  campaign in conjunction  with the marketing
                        campaign as set forth in (1) above; and

                   (c)  Advise the Corporation and provide assistance in dealing
                        with  institutional  investors  as it  pertains  to  the
                        Corporation's offerings of its securities; and

                   (d)  Aid and  assist  the  Corporation  in the  Corporation's
                        efforts to secure  "market  makers" which will trade the
                        Corporation's  stock to the  public  by  providing  such
                        information as may be required; and

                   (e)  Aid and advise the  Corporation in  establishing a means
                        of securing  nationwide  interest  in the  Corporation's
                        securities; and

                   (f)  Aid  and  assist  the   Corporation   in   creating   an
                        "institutional  site  program"  to provide  ongoing  and
                        continuous information to fund managers; and

                   (g)  Aid and consult with the  Corporation in the preparation
                        and   dissemination   of   press   releases   and   news
                        announcements; and

                   (h)  Aid and consult with the  Corporation in the preparation
                        and  dissemination  of  all  "due  diligence"   packages
                        requested   by  and   furnished   to   NASD   registered
                        broker/dealers,   the  investing  public,  and/or  other
                        institutional   and/or  fund  managers  requesting  such
                        information from the Corporation; and

                   (i)  At  the   Corporation's   direction,   work   with   the
                        Corporation's  Public  Relations firm to jointly support
                        the Corporation's overall public relations program.

                                  Compensation

          3. In  consideration  for the services  provided by  Consultant to the
Corporation,  the  Corporation  shall,  on behalf of the Consultant  cause to be
vested at the time of execution of this  Agreement 25% of the warrants set forth
in A) and B) below and shall cause an additional 25% of such warrants to vest on
June 30, 2000. The balance of the warrants,  or an additional 50% of the amounts
set froth in A) and B) below, shall vest on September 30, 2000 if no termination
of  this  Agreement  has  taken  place  prior  to  that  date.  If a  notice  of
termination,  as described in Section 8  Termination,  has been issued by either
party  than a pro rata  number  of the  warrants  to be  vested in the final 50%
amount shall be vested  through the date of  termination.  All  warrants  vested
shall  have a term of five (5) years and shall  contain  piggyback  registration
rights. The warrants shall be issued at the following exercise prices:

                                    A)  200,000 warrants at $3.00 per share
                                    B)  200,000  warrants  at  $4.00  per  share
                               (Collectively    hereinafter   referred   to   as
                               "compensation").

                                   Compliance

          4. At the time of Consultants execution of the warrants referred to in
#3,  Compensation  above,  common shares  underlying the warrants,  delivered by
Corporation to Consultant  will, at that particular time be free trading,  or if
not,  the  shares  shall  be  included  in the  next  registration  filed by the
Corporation.  The warrants shall have "piggyback"  registration rights and will,
at the expense of the Corporation, be included in said registration.

                          Representation of Corporation

          5. (a) The Corporation,  upon entering this Agreement, hereby warrants
and guarantees to the Consultant, that to the best knowledge of the Officers and
Directors of the  Corporation,  all statements,  either written or oral, made by
the  Corporation  to the  Consultant  are  true and  accurate,  and  contain  no
misstatements  of a material  fact.  Consultant  acknowledges  that estimates of
performance made by Corporation are based upon the best information available to
Corporation  officers  at  the  time  of  said  estimates  of  performance.  The
Corporation acknowledges that the information it delivers to the Consultant will
be used  by the  Consultant  in  preparing  materials  regarding  the  Company's
business, including but not necessarily limited to, its financial condition, for
dissemination to the public.  Therefore,  in accordance with Paragraph 6, below,
the  Corporation  shall hold  harmless the  Consultant  from any and all errors,
omissions,  misstatements,  except  those made in a negligent  or  intentionally
misleading manner in connection with all information furnished by Corporation to
Consultant.

              (b)  Consultant  shall  agree to  release  information  only  with
                   written or verbal approval of the company.

          6.      WordCruncher Internet Technologies, Inc.

                           1.  Authorized: 60 million shares
                           2.  Issued: 13,392,407 shares
                           3.  Outstanding: 13,392,407 shares
                           4.  Free trading (float): 7,115,108 shares (approx.)
                           5.  Shares subject to Rule144 restrictions: 4.45
                               million shares (approx).

                                Limited Liability

          7. With  regard to the  services  to be  performed  by the  Consultant
pursuant to the terms of this Agreement,  the Consultant  shall not be liable to
the  Corporation,  or to anyone who may claim any right due to any  relationship
with the  Corporation,  for any acts or omissions in the performance of services
on the  part of the  Consultant,  except  when  said  acts or  omissions  of the
Consultant are due to its willful misconduct or culpable negligence.

                                   Termination

          8. After June 30,  2000 this  Agreement  may be  terminated  by either
party  upon the  giving  of not less  than  thirty  (30)  days  written  notice,
delivered  to the parties at such address or addresses as set forth in Paragraph
9, below.  In the event of termination  final  compensation  shall be treated as
outlined in Section 3, Compensation.

                                     Notices

          9.  Notices to be sent  pursuant to the terms and  conditions  of this
Agreement, shall be sent as follows:

Timothy J. Rieu                         Kenneth W. Bell
Columbia Financial Group, Inc.          WordCruncher Internet Technologies, Inc.
1301 York Road, Ste. 400                405 East 12450 South, Ste. B
Lutherville, Maryland 21093             Draper, UT 84021

                                 Attorney's Fees

         In the event any  litigation  or  controversy,  including  arbitration,
arises out of or in connection  with this Agreement  between the Parties hereto,
the prevailing  party in such litigation,  arbitration or controversy,  shall be
entitled to recover from the other party or parties,  all reasonable  attorney's
fees expenses and suit costs, including those associated within the appellate or
post judgement collections proceedings.

                                   Arbitration

          10. In  connection  with any  controversy  or claim  arising out of or
relating to this Agreement, the Parties hereto agree that such controversy shall
be submitted to  arbitration,  in conformity  with the Federal  Arbitration  Act
(Section 9 U.S.  Code Section 901 et seq),  and shall be conducted in accordance
with the Rules of the American Arbitration Association. Any judgment rendered as
a result of the arbitration of any dispute herein,  shall upon being rendered by
the arbitrators be submitted to a Court of competent jurisdiction with the state
of Maryland, if initiated by Consultant, or in the state of Utah if initiated by
the Corporation.

                                  Governing Law

          11. This Agreement shall be construed under and in accordance with the
laws of the State of Utah,  and all parties hereby consent to Utah as the proper
jurisdiction for said proceeding provided herein.

                                  Parties Bound

          12. This Agreement shall be binding on and inure to the benefit of the
contracting parties and their respective heirs, executors, administrators, legal
representatives, successors, and assigns when permitted by this Agreement.

                               Legal Construction

          13.  In  case  any one or more  of the  provisions  contained  in this
Agreement shall for any reason be held to be invalid,  illegal, or unenforceable
in any respect, the invalidity, illegality, or unenforceability shall not affect
any other  provision,  and this Agreement  shall be construed as if the invalid,
illegal, or unenforceable provision had never been contained in it.

                           Prior Agreements Superseded

          14. This  Agreement  constitutes  the sole and only  Agreement  of the
contracting  parties and supersedes any prior  understandings or written or oral
agreements between the respective parties.  Further,  this Agreement may only be
modified or changed by written agreement signed by all the parties hereto.

                  Multiple Copies or Counterparts of Agreements

          15.  The  original  and one or more  copies of this  Agreement  may be
executed  by one or more of the  parties  hereto.  In  such  event,  all of such
executed  copies shall have the same force and effect as the executed  original,
and all of such  counterparts  taken  together  shall have the effect of a fully
executed  original.  Further,  this  Agreement  may be signed by the parties and
copies hereof delivered to each party by way of facsimile transmission, and such
facsimile  copies shall be deemed  original  copies for all purposes if original
copies of the parties' signatures are not delivered.

                       Liability of Miscellaneous Expenses

          16. The Corporation shall be responsible to any miscellaneous fees and
costs approved in writing by the  Corporation  or its agents to commitment  that
are unrelated to the agreement made between the Parties.

                                    Headings

          17.  Headings  used  throughout  this  Agreement are for reference and
convenience, and in no way define, limit or describe the scope or intent of this
Agreement or effect its provisions.

         IN WITNESS WHEREOF, the Parties have set their hands and seal as of the
date written above.

                                 By: /s/
                                   ---------------------
                                 Timothy J. Rieu, President
                                 Columbia Financial Group, Inc.


                                By:  /s/
                                    -------------------------
                                Kenneth W. Bell, Senior VP & CFO
                                WordCruncher Internet Technologies, Inc.