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 10th day of January, 2000, between Pacific WebWorks,
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 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:

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                           Columbia Financial Group

          (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.

                                 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, (hereinafter "delivered") at the signing of this Agreement 25% or one
quarter of the warrants as set forth below, and the balance of the warrants
will be delivered on or before the beginning of the third quarter of the
Agreement. All such warrants delivered  shall have a term of five years and
shall have preferred, "piggy back" registration  rights.  The warrants shall
be issued at the following exercise price:

     400,000 warrants at $3.50 per share.




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                           Columbia Financial Group

                                  Compliance

     4.     At the time consultants give notice to the Company or 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 fee trading, or if not, the shares shall be incorporated in the next
registration statement filed by the Corporation.  The warrants shall have
"piggy pack" registration rights and will, at the expense of the corporation,
be included in said registration statement in a timely manner.

                        Representation of Corporation

     5.     (a).  The Corporation, upon entering this Agreement, hereby
warrants and guarantees 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,
or 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. Pacific WebWorks, Inc.

          1.  Authorized: 50,000,000 shares
          2.  Issued: 10,395,679 shares
          3.  Outstanding: 10,395,679 shares
          4.  Free trading (float): 3,960,000 shares (approx.)
          5.  Shares subject to Rule 144 restrictions: 6,435,679 shares
(approx).

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                           Columbia Financial Group

                              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.     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
this Agreement is terminated by the Corporation, compensation paid by
Corporation pursuant to paragraph 3 above, to the Consultant to the date of
termination (or through the end of the month during which notice of
termination is delivered).  In the event this Agreement is terminated by
consultant, compensation shall be reimbursed to Corporation as follows:

     The Agreement will be divided into four equal quarters.  If termination
occurs within the first quarter or initial ninety (90) days of the Agreement
the Consultants will have no obligation to return any of the initial
compensation of the contract pursuant to paragraph 3 above.  Each and every
subsequent quarter of the Agreement will have an equal amount of compensation.
If termination occurs within any quarter of the Agreement the Consultants will
return a pro rata amount based on a 90 day quarter.

     The valuation of said shares for purposes of repayment of shares, shall
be the bid price of said shares as of the date shares are tendered back to the
Corporation.  If there is no bid price, then the price shall be agreed to, by
separate writing to be determined by the parties upon the execution of this
agreement.

                                   Notices

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

          Timothy J.  Rieu                    Christian Larsen
          Columbia Financial Group, Inc.      Pacific WebWorks, Inc.
          1301 York Road, Ste.  400           180 South 300 West, Ste.  220
          Lutherville, Maryland 21093         Salt Lake City, UT 84101

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<PAGE>

                           Columbia Financial Group

                               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 collection 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
judgement rendered as a result of the arbitration of any disputes herein,
shall upon being rendered by the arbitrators be submitted to a Court of
competent jurisdiction with the state of Maryland, in 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.

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                           Columbia Financial Group

                 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 sighed 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 prior 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.


                                         /s/ Timothy J. Rieu
                                   BY: __________________________
                                          Timothy J. Rieu, President
                                          Columbia Financial Group, Inc.


                                         /s/ Christian Larsen
                                   BY: __________________________
                                          Christian Larsen, President
                                          Pacific WebWorks, Inc.








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