ORACLE Credit Corporation                                Payment Plan Agreement


Customer:      WordCruncher Internet      Executed by Customer
               Technologies Inc.          (authorized signature):
Address:       405 East, 12450 South,     By:      /s/
               Suite B                    Name:  Kenneth W. Bell
               Draper, Utah  84020        Title: Senior VP & CFO
                                          Executed by Oracle Credit Corporation:
Phone:         (801) 816-9904             By:
PPA No.:                                  Name:
Effective Date:                           Title:


This  Payment  Plan  Agreement  is entered  into by Customer  and Oracle  Credit
Corporation  ("OCC") to provide for the payment of the System Price specified in
a Payment  Schedule on an  installment  basis.  The System (as defined below) is
being  acquired  from Oracle  Corporation,  an alliance  member/agent  of Oracle
Corporation or any other party providing any portion of the System ("Supplier").
Each  Payment  Schedule  shall  specify  the  Software  and other  products  and
services,  which items  together with any upgrade,  transfer,  substitution,  or
replacement  thereof,  shall comprise the "System." Each Payment  Schedule shall
incorporate  the terms and  conditions of the PPA to form a "Contract,"  and the
System  specified  therein shall be subject to the terms and  conditions of such
Contract.  The System  shall be licensed  or  provided  to Customer  directly by
Supplier  pursuant  to the  terms of the Order and  Agreement  specified  in the
Contract. Except as provided under the Contract,  Customer's rights and remedies
under  the  Order  and  Agreement,  including  Supplier's  warranty  and  refund
provisions, shall not be affected.

1.  PAYMENT  SCHEDULE:  Customer  agrees  to pay  OCC  the  Payment  Amounts  in
accordance  with  the  Contract,  with  each  payment  due  and  payable  on the
applicable  Due Date.  If full payment of each Payment  Amount and other amounts
payable is not received by OCC within 10 days of each Due Date,  Customer agrees
to pay to OCC interest on the overdue  amount at the rate equal to the lesser of
one and one-half percent (1.5%) per month, or the maximum amount allowed by law.
Unless stated  otherwise,  Payment  Amounts exclude any applicable  sales,  use,
property  or any  other tax  allocable  to the  System,  Agreement  or  Contract
("Taxes").  Any amounts or any Taxes payable  under the Agreement  which are not
added to the  Payment  Amounts  due under the  Contract  are due and  payable by
Customer,   and  Customer  shall  remain  liable  for  any  filing  obligations.
Customer's  obligation  to  remit  Payment  Amounts  to OCC or its  assignee  in
accordance  with  the  Contract  is  absolute,  unconditional,   noncancellable,
independent,  and  shall  not be  subject  to  any  abatement,  set-off,  claim,
counterclaim,  adjustment,  reduction, or defense for any reason,  including but
not limited to, any termination of any Agreement, or performance of the System.

2. ASSIGNMENT:  Customer hereby consents to OCC's assignment of all or a portion
of  its  rights  and   interests  in  and  to  the  Contract  to   third-parties
("Assignee").  OCC shall provide Customer notice thereof. Customer and OCC agree
that  Assignee  shall not,  because of such  assignment,  assume any of OCC's or
Supplier's  obligations to Customer.  Customer shall not assert against Assignee
any claim, defense, counterclaim or setoff that Customer may have against OCC or
Supplier.  Customer waives all rights to make any claim against Assignee for any
loss or damage of the System or breach of any warranty,  express or implied,  as
to any matter  whatsoever,  including  but not limited to the System and service
performance,   functionality,   features,   merchantability  or  fitness  for  a
particular purpose, or any indirect, incidental or consequential damages or loss
of business.  Customer  shall pay Assignee all amounts due and payable under the
Contract,  but shall  pursue  any  claims  under any  Agreement  solely  against
Supplier.  Except when a Default occurs, neither OCC nor Assignee will interfere
with  Customer's  quiet  enjoyment or use of the System in  accordance  with the
Agreement's terms and conditions.

3. DEFAULT;  REMEDIES: Any of the following shall constitute a Default under the
Contract  (i)  Customer  fails to pay when due any sums due under any  Contract;
(ii) Customer breaches any  representation or fails to perform any obligation in
any Contract;  (iii)  Customer  materially  breaches or  terminates  the license
relating to the Software; (iv) Customer defaults under a material agreement with
Assignee;  or (v)  Customer  becomes  insolvent or makes an  assignment  for the
benefit of creditors,  or a trustee or receiver is appointed for Customer or for
a substantial part of its assets,  or bankruptcy,  reorganization  or insolvency
proceedings shall be instituted by or against Customer.

In the  event of a  Default  that is not cured  within  thirty  (30) days of its
occurrence,  OCC may (i) require all outstanding  Payment Amounts and other sums
due and  scheduled  to become due  (discounted  at the lesser of the rate in the
Contract or five percent (5%) per annum simple  interest) to become  immediately
due and  payable  by  Customer;  (ii)  pursue  any  rights  provided  under  the
Agreement,  as well as terminate all of Customer's  rights to use the System and
related services,  and Customer agrees to cease all use of the System; and (iii)
pursue any other rights or remedies  available at law or in equity. In the event
OCC  institutes  any action for the  enforcement  of the  collection  of Payment
Amounts, there shall be due from Customer, in addition to the amounts due above,
all costs and expenses of such action,  including reasonable attorneys' fees. No
failure or delay on the part of OCC to  exercise  any right or remedy  hereunder
shall operate as a waiver thereof,  or as a waiver of any subsequent breach. All
remedies are  cumulative and not exclusive.  Customer  acknowledges  that upon a
default under the Contract,  no party shall license,  lease, transfer or use any
Software in mitigation of any damages resulting from Customer's default.

4.  CUSTOMER'S   REPRESENTATIONS   AND  COVENANTS:   Customer  represents  that,
throughout the terms of the Contract,  the Contract has been duly authorized and
constitutes a legal, valid, binding and enforceable  agreement of Customer.  Any
transfer or assignment of Customer's  rights or  obligations  in the System,  or
under the Agreement or the Contract  shall require  OCC's and  Assignee's  prior
written  consent.  A transfer  shall  include a change in majority  ownership of
Customer.  Customer agrees to promptly execute any ancillary  documents and take
further actions as OCC or Assignee may reasonably  request,  including,  but not
limited to, assignment notifications,  acceptance certificates,  certificates of
authorization,  registrations, and filings. Customer agrees to provide copies of
Customer's balance sheet,  income statement,  and other financial reports as OCC
or Assignee may reasonably request.

5.  MISCELLANEOUS:  The Contract shall constitute the entire  agreement  between
Customer and OCC  regarding the subject  matter  herein and shall  supersede any
inconsistent terms set forth in the Order,  Agreement or any related agreements,
Customer purchase orders and all prior oral and written  understandings.  If any
provision  of the  Contract is  invalid,  such  invalidity  shall not affect the
enforceability  of the remaining terms of the Contract.  Customer's  obligations
under the Contract  shall  commence on the  Effective  Date  specified  therein.
Except for payment terms specified in the Contract, Customer remains responsible
for all the obligations  under each Agreement.  Each Payment  Schedule,  and any
changes to a Contract or any related  document,  shall take effect when executed
by OCC.  The Contract  shall be governed by the laws of the State of  California
and shall be deemed executed in Redwood Shores, CA as of the Contract  Effective
Date.



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

Customer:  WordCruncher Internet          Executed by Customer
           Technologies  Inc.             (authorized signature):
Address:   405 East, 12450 South,         By:  /s/
           Suite B Draper, Utah  84020    Name: Kenneth W. Bell
                                          Title: Senior VP & 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:        $136,512.00              1 @ $76,954 Due at signing
Support:         $120,000.00 one year     4 @ $49,069 Due 01-Feb-00, 01-May-00,
Education:                                             01-Aug-00 and 01-Nov-00
Consulting:
Other:                                    Five (5) payments due as set
                                          forth above.

System Price:    $265,512.00


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  judgment,  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  in 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
   term 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, then 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:                Deborah 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  acceptable,  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.