ORACLE Credit Corporation                       Payment Schedule
Page 1 of 1                                     (Oracle Product) No.   1


____________________________________________    _____________________________

Customer: Wordcruncher Internet                 Executed by Customer
          Technologies Inc.                     (Authorized signature):
                                                By: /s/ Kenneth W. Bell
                                                   --------------------------
Address: 405 East 12450 South, Suite B          Name: Kenneth W. Bell
         Draper, Utah 84020                     Title: Senior VP and CFO

Contact: ________________________________       Executed by Oracle Credit
                                                Corporation
Phone:(801) 816-9904                            By:___________________________

Order:       dated                              Name: ________________________

Agreement:   dated                              Title: _______________________

PPA No.:     dated                              Payment Schedule Effective
                                                Date: ________________________



______________________________________________________________________________

System                                          Payment Schedule:
------                                          ----------------

                                                Payment Amount  Due Date:

Software:    $136,612.00                        1@ $76,954      Due at signing
Support:     $120,000.00 one year               4@ $49,069      Due 01-Feb 00
                                                                01- May -00,
                                                                01- Aug-00 and
                                                                01-Nov-00
Education:   ________________________________

Consulting:  ________________________________

Other: ______________________________________   Five (5) payments due as set
                                                forth above.
System Price: $256,512.00
______________________________________________________________________________



______________________________________________________________________________
Optional (if this box is checked).
[X] The Customer has ordered the System from an alliance member/agent of
Oracle Corporation whose name and address are specified below.  Customer shall
provide OCC with a copy of such Order.  The System shall be directly licensed
or provided by the Supplier specified in the applicable Order and Agreement,
each of which shall be considered a separate contract.  Customer has entered
into the Order and Agreement based upon its own judgement, and expressly
disclaims any reliance upon statements made by OCC about the System, if any
Customer's rights with respect to the System are as set forth is the
applicable Order and Agreement and Customer shall have no right to make any
claims under such Order and Agreement against OCC or its Assignee.  Neither
Supplier nor any alliance member/agent is authorized to waive or alter any
form or condition of this Contract.If within ten days of the Payment Schedule
Effective Date, OCC is provided with Customer invoices for the System
specifying applicable Taxes, than OCC may add the applicable Taxes in
accordance with this Contract.

Alliance Member/Agent:  Integrated Business Solutions

Address:  505 East 200 South, Suite 401, Salt Lake City,UT 84102

Contact:  Debroah Hoffler       Phone:          (801) 328-4567
______________________________________________________________________________

This Payment Schedule is entered into by Customer and Oracle Credit
Corporation ("OCC") for the acquisition of the System from Oracle Corporation,
an alliance member/agent of Oracle Corporation or any other party providing
any portion of the System ("Supplier").  This Payment Schedule incorporates by
reference the terms and conditions of the above-referenced Payment Plan
Agreement ("PPA") to create a separate Contract ("Contract").

A.  PAYMENTS: This Contract shall replace Customer's payment obligation under
the Order and Agreement to Supplier, to the extent of the System Price listed
above, upon Customer's delivery of a fully executed Order Agreement, PPA,
Payment Schedule, and any other documentation required by OCC, and execution
of the Contract by OCC.  Customer agrees that OCC may add the applicable Taxes
due on the System Price to each Payment Amount based on the applicable tax
rate invoiced by Supplier at shipment.  OCC may adjust subsequent Payment
Amounts to reflect any change or correction in Taxes due.  If the System Price
includes support fees for a support period that begins after the first support
period, such future support fees and the then relevant Taxes will be paid to
Supplier as invoiced in the applicable support period from the Payment Amounts
received in that period.  The balance of each Payment Amount, unless otherwise
stated, includes a proportional amount of the remaining components of the
System Price excluding such future support fees, if any.

B.  SYSTEM: Software shall be accepted, and the services shall be deemed
ordered pursuant to the terms of the Agreement.  Customer agrees that any
software acquired from Supplier to replace any part of the System shall be
subject to the terms of the Contract.  Any claims related to the performance
of any component of the System shall be made pursuant to the Order and
Agreement.  Neither OCC nor Assignee shall be responsible to Customer for any
claim or liability pertaining to any performance, actions, warranties or
statements of Supplier.

C.  ADMINISTRATIVE: Customer agrees that OCC or its Assignee may treat
executed faxes or photocopies delivered to OCC as original documents; however,
Customer agrees to deliver original signed documents if requested.  Customer
agrees that OCC may insert the appropriate administrative information to
complete this form.  OCC will provide a copy of the final Contract upon
request.