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 1st day of January, 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  "Investors  Relations" to include direct  investor  relations and
broker/dealer   relations   as  such  may  pertain  to  the   operation  of  the
Corporation's 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 twelve  (12)  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  "marketing  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 forth 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 then 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 $5.00 per share
             B) 200,000 warrants at $6.00 per share
            (Collectively hereinafter referred to as "compensation")

                                   Compliance

     4.   At the time of Consultant's  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 n the next
          registration filed by the Corporation.  The warrants shall have "piggy
          back" 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 Corporation.

     6.   WordCruncher Internet Technologies, Inc.

          1.   Authorized: 60 million shares

          2.   Issued: 13,395,407 shares

          3.   Outstanding: 13,395,407 shares

          4.   Free trading (float): 7,115,108 shares (approx.)

          5.   Shares  subject to Rule 144  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 delivered as follows:

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

     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 for any  miscellaneous  fees and
          costs which are  pre-approved in writing by the  Corporation  prior to
          their expenditure.

                                    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 effects its provisions.

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

                              BY:
                                  ----------------------------------------
                                  Timothy J. Rieu, President
                                  Columbia Financial Group, Inc.

                              BY: /s/ Kenneth W. Bell
                                  ----------------------------------------
                                  Kenneth W. Bell, Sr. Vice President
                                  WordCruncher Internet Technologies, Inc.