Document:

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                                                                    Exhibit 10.2

                                StoresOnline.com
                        CABLE RESELLER AND MALL AGREEMENT

                        (AT&T Media Services - Nashville)

     THIS CABLE RESELLER AND MALL AGREEMENT (the "Agreement") is made and
entered into as of the 9th day of December, 1999, between and among
STORESONLINE.COM, INC., a California corporation, and NETGATEWAY, a Nevada
corporation, on the one hand (collectively, "StoresOnline"), and INTERMEDIA
PARTNERS SOUTHEAST, a California general partnership, on the other hand
("Reseller"). An Addendum is attached hereto and by this reference is made a
part hereof (the "Addendum").

                                 R E C I T A L S

     A. Reseller is a cable television operator, engaged in the business
described on the Addendum.

     B. StoresOnline owns, operates and maintains an Internet
storefront-building services package comprised of certain services delivered
through StoresOnline's proprietary software, the standard features of which are
more particularly described on the Addendum (the "Services").

     C. The Services are delivered through the Internet and may be made
available through a private, branded electronic exchange to be developed for
Reseller.

     D. StoresOnline desires to (i) sell and license the Services to Reseller
for Reseller's resale and sublicense to end-user customers or, with the written
permission of StoresOnline, to other resellers and (ii) develop certain on-line
mall(s) to be branded around Reseller's name, brand and image (the "Malls").

     E. Reseller desires to purchase and license the Services for resale to
end-user customers and shall use its unique resources to promote the Services as
hereinafter set forth.

                                    AGREEMENT

     NOW, THEREFORE, on the basis of the foregoing recitals, and in
consideration of the mutual promises contained herein, the receipt and
sufficiency of which is hereby acknowledged, the parties hereto covenant and
agree as follows:

     1. Services.

     a. Scope of Agreement. This Agreement covers (i) the purchase, licensing,
promotion and sale of the Services and (ii) the design and development of the
Malls pursuant to and in accordance with the terms and conditions set forth on
the Addendum.

     b. License Grant; Sale of Services. StoresOnline grants to Reseller,
subject to the terms and conditions of this Agreement, the right and license to
resell and sublicense (in the case of software products) the Services to
Reseller's end-user customers or, with the written permission of StoresOnline,
to other resellers. During the term of this Agreement, Reseller shall have the
exclusive right to resell and sublicense the "Get It Nashville" Mall to end-user
customers or other resellers whose principal place of business is in the
"Nashville, Tennessee Standard Metropolitan Statistical Area." In the case of
software products, Reseller acknowledges that such software is and will remain
proprietary to StoresOnline, is copyrighted and that Reseller acquires no right,
title or interest in or to any such software by this Agreement. Reseller agrees
to sublicense the Services hereunder pursuant to, but not necessarily limited
to, the Standard License Agreement Terms set forth on Exhibit A hereto, and to
cause each of its customers or other resellers to sublicense the Services
pursuant to such terms, which terms, in the case of a another reseller, shall be
accepted upon store set-up and, in the case of an end-user customer, shall be
accepted as part of the storefront registration process described below.

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     c. Product Name. It is expressly agreed that the ownership and all right,
title and interest in and to the Services and any trademark, trade name, patent
or copyright relating to the Services is and will remain vested solely in
StoresOnline; provided, however, that as permitted by this Agreement, Reseller
may use any existing or future trademark, trade name, patent or copyright
relating to the Services, such use to be limited to promoting, selling,
installing or maintaining the Services; and provided, further, that as permitted
by this Agreement, the Services may be branded around Reseller's name, brand and
image. Reseller shall use its reasonable business efforts during the term of
this Agreement to protect StoresOnline's trademarks, trade names, patents and
copyrights, but shall not be required to initiate legal action against third
parties for any infringement thereof. Reseller shall notify StoresOnline of any
infringement as soon as practicable after becoming aware of any act which in
Reseller's judgment may constitute such infringement. Reseller shall not use,
directly or indirectly, in whole or in part, StoresOnline's name or any other
trade name or trademark that is owned or used by StoresOnline in connection with
any product other than StoresOnline's products, without the prior written
consent of StoresOnline.

     d. Mall Development. StoresOnline shall develop the Malls in accordance
with the terms and conditions set forth herein and on the Addendum. The Malls
shall be branded around Reseller's name, brand and image and shall link to the
Reseller's branded StoresOnline solution. The Malls will include appropriate
Uniform Resource Locator (URL) addresses, four to six featured products and
stores from various Reseller and third party advertisers, additional Reseller
and non-Reseller advertiser stores and products catalogued with text references,
and links to top-tier eCommerce sites. The Malls will also include an
appropriate search engine, commerce functionality, banner and other appropriate
advertising space and such other features as the parties shall mutually agree.
The Mall will be capable of cataloguing stores independently or in conjunction
with all other Malls developed hereunder, if any, as well as other malls which
belong to the StoresOnline electronic mall network. Reseller agrees and
understands that the storefronts of its end-user customers may be placed in one
or more electronic malls developed and/or operated by StoresOnline.

     2. Term of Agreement. The term of this Agreement shall commence as of the
execution hereof and continue for an initial term of one (1) year from the date
of this Agreement.

     a. Notwithstanding the foregoing, this Agreement may be terminated in
accordance with the provisions of Sections 3(b) or 11.

     b. Termination of this Agreement shall not relieve either party of any
obligations incurred prior to termination, including outstanding delivery and
payment obligations and other contractual commitments herein or mutually agreed
to from time to time by the parties in writing. The obligations set forth in
Sections 3d, 6b, 8, 10, 11a, 12c, 12e, 12f and 12h are expressly intended to
survive termination of this Agreement.

     3. Prices and Taxes.

     a. Prices for Services. StoresOnline shall charge Reseller's end-user
customers the one-time Store Set-up Price set forth on the Addendum.
StoresOnline shall charge Reseller the applicable Monthly Base Wholesale Price
set forth on the Addendum for each active storefront. Unless Reseller elects to
bill its customers directly in accordance with paragraph 6.c hereof, the Monthly
Base Wholesale Price shall be offset by StoresOnline against payments due to
Reseller in accordance with paragraph 6.b hereof.

     b. Price Adjustments for Services. The prices for the Services are subject
to change by StoresOnline at any time, and shall become effective ninety (90)
days after written notification of such change to Reseller; provided, however,
that Reseller may terminate this Agreement upon thirty days' written notice to
StoresOnline after Reseller's receipt of any price adjustments in accordance
with this Section 3(b).

     c. [ Omitted. ]

     d. Prices for Mall Development; Mall Revenue Split. All prices for Mall
design, development and operation provided hereunder shall be as set forth on
the Addendum. Reseller and StoresOnline shall divide the net revenue generated
from all Mall revenue sources on a [redacted] basis for revenue derived in
connection with this Agreement. Such revenue sources to be divided shall
include, but are not limited to: (i) eCommerce advertisers provided by
StoresOnline; (ii) the pro rata share of Mall banner advertising attributable to
Reseller; (iii) click-through revenue from eTailer sales; and (iv) revenue
generated from featured product sales. The parties hereto shall mutually agree
to pricing in the event advertising space is sold on a straight-buy basis and
such revenue shall be divided equally between the parties.

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     e. Taxes. All prices for any services or products supplied hereunder are
exclusive of any federal, state or local sales, use, excise, ad valorem or
personal property taxes levied, or any fines, forfeitures or penalties assessed
in connection therewith, as a result of this Agreement or the installation or
use of services or products hereunder (collectively, but exclusive of taxes
based upon StoresOnline's income, "Taxes"). Reseller or Reseller's customers, as
applicable, shall pay any and all such Taxes, or StoresOnline may pay such Taxes
for Reseller's account or Reseller's customers' account, in which case Reseller
shall be obligated to reimburse StoresOnline for amounts so paid. Any such Taxes
which are charged to or payable by StoresOnline will be invoiced to and paid by
Reseller in the manner set forth in Section 6 below. In the event that Reseller
directly invoices its customers pursuant to paragraph 6.c hereof, StoresOnline
shall not be responsible for the collection and payment of any such Taxes.

     4. Promotion. Reseller shall promote the Mall and the Services by
cablecasting two thirty second television commercials provided to Reseller by
StoresOnline which conform to Reseller's cable advertising guidelines. In the
event Reseller elects to produce additional commercials, it shall do so at its
own expense. All commercials promoting the services shall be cumulatively
cablecast at Reseller's sole expense a minimum of 500 times per broadcast month
throughout the Nashville, Tennessee broadcast market on cable channels of cable
television systems on which Reseller has a right to insert such advertisements.
Reseller shall use its reasonable business efforts to ensure that the
commercials are placed in even rotations on a variety of such cable television
channels.

     5. Customer Accounts.

     a. Customer Account Registration Process. The Services provided hereunder
include an online registration process that Reseller's customers will use to
establish storefront accounts with StoresOnline (the "Accounts"). In order to
establish an Account, Reseller's customers must complete a registration process
in accordance with the terms set forth on the StoresOnline web site, a copy of
which are attached hereto as Exhibit B. At the option of the customer,
registration may also be completed non-electronically. To establish an Account,
Reseller's customers must also provide credit card information and authorize the
payment of fees for Services on a monthly basis in advance. The general terms
and conditions for the use of Accounts shall be delivered to Reseller in advance
and shall be posted from time to time on the StoresOnline web site, or in the
event that, with Reseller's prior consent, StoresOnline establishes an
electronic exchange for Reseller, such information shall be delivered to
Reseller in advance and will be posted on Reseller's exchange. The terms and
conditions as posted shall, in all events and at all times, be binding upon
Reseller's customers who establish Accounts. The terms and conditions governing
such Accounts may be amended from time to time by StoresOnline, upon prior
written consent from Reseller.

     b. Continuation of Customer Accounts. Continuation of each customer Account
is subject to the timely payment of the monthly fees associated with each
respective such Account, and failure to do so shall constitute grounds for
StoresOnline to cancel and terminate an Account.

     6. Billing and Payment Terms.

     a. Invoicing for Services. Reseller shall from time to time provide
StoresOnline with a list of the Reseller prices charged for each class of
Accounts or for each Account. In the event Reseller requests that StoresOnline
invoice Reseller's customers directly, StoresOnline shall electronically invoice
Reseller's customers for the retail price of the Services charged by Reseller
and shall directly charge against the respective credit card accounts provided
by such customers for such purpose during the registration process. All
recurring fees due from customers shall be paid in advance and are due on the
first day of each month. In preparing the invoices and charging against the
applicable credit cards, StoresOnline shall use the most recent Reseller retail
prices provided to StoresOnline by Reseller for the Accounts invoiced.

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     b. Payment and Collection for Services. StoresOnline shall collect the
monthly fees set by Reseller from Reseller's customers and, after deducting any
monthly fees and expenses to which it is entitled hereunder, shall remit the
balance to Reseller on a monthly basis, together with a statement setting forth
the amounts collected, the amounts deducted and the total amount remitted. In
the event payment from Reseller's customers is not received by StoresOnline
within the specified time, an additional late charge of no more than one and one
half percent (1.5%) of the past due amount will be assessed by StoresOnline for
each thirty (30) days outstanding, prorated on a daily basis, which late charges
shall be due and payable to StoresOnline in full. All payments for Services
shall be made in United States dollars.

     c. Direct Reseller Billing for Services. Reseller may invoice its customers
directly for the Services provided hereunder. In the event that Reseller chooses
to bill its customers directly for the Services, Reseller shall remit directly
to StoresOnline the applicable Monthly Base Wholesale Price (per storefront), as
set forth in the Addendum. All such fees shall be paid in advance and are due on
the first day of each month.

     d. Billing for Mall Related Charges; Advertising and Related Revenues.
StoresOnline shall invoice Reseller directly for all charges due hereunder in
connection with the design and development of the Malls, which charges shall be
payable in accordance with the Addendum. All revenues generated from the Malls
(including advertising and related revenues) which are required to be divided
between StoresOnline and Reseller pursuant to paragraph 3(d) hereof shall be
invoiced and collected by StoresOnline. StoresOnline shall thereafter forward
all amounts due, if any, to Reseller (net 30 days) at the address provided on
the signature page hereto, together with a statement setting forth the total
amount collected, the amounts payable to Reseller and the total amount remitted,
and such other information as Reseller may reasonably request.

     7. Real Time Payment Processing. In the event that a customer wishes to use
the StoresOnline real-time credit card payment processing option, such customer
must establish a customer account with an FDIC network bank and must open an
account with a participating credit-card processor. Any such arrangement shall
be between the customer and StoresOnline.

     8. Disclaimer of Warranties; Limitation of Liability; Warranties.

     a. Disclaimer of Warranty. EXCEPT AS SPECIFICALLY PROVIDED HEREIN, THERE
ARE NO, AND STORESONLINE EXPRESSLY DENIES, REJECTS AND DISCLAIMS ANY WARRANTIES,
EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, ANY WARRANTIES OF
MERCHANTIBILITY OR FITNESS FOR PARTICULAR PURPOSE.

     b. Limitation of Liability. Each party shall be responsible for its own
acts and omissions. NEITHER PARTY, NOR ITS RESPECTIVE DIRECTORS, OFFICERS,
AFFILIATES, EMPLOYEES AND AGENTS SHALL BE LIABLE TO THE OTHER PARTY OR TO ANY
THIRD PARTY AS A RESULT OF THIS AGREEMENT FOR ANY LOSS OR DAMAGE, WHETHER DIRECT
OR INDIRECT, RESULTING FROM DELAYS OR INTERRUPTIONS OF SERVICE DUE TO MECHANICAL
ELECTRICAL OR WIRE DEFECTS OR DIFFICULTIES, STORMS, STRIKES, WALK-OUTS,
EQUIPMENT OR SYSTEMS FAILURES, OR OTHER CAUSES OVER WHICH SUCH PARTY, ITS
DIRECTORS, OFFICERS, AFFILIATES, EMPLOYEES OR AGENTS AGAINST WHOM LIABILITY IS
SOUGHT, HAVE NO REASONABLE CONTROL, EXCEPT TO THE EXTENT CAUSED BY THE
NEGLIGENCE OR WILLFUL MISCONDUCT OF SUCH PARTY.

     c. [ Omitted. ]

     d. Warranties of StoresOnline. StoresOnline represents and warrants as
follows:

     (i) StoresOnline has expertise, capacity and staffing to adequately provide
the Services authorized or contemplated by this Agreement.

     (ii) All components of any systems/product utilized or relied upon by
StoresOnline to perform the services authorized or contemplated by this
Agreement or by any schedules or exhibits hereto, are designed to be used prior
to, during and after the calendar year 2000 A.D., and that all such
systems/product will operate during each such time period without error or
interruption relating to date data, including without limitation, any error or
interruption relating to, or the product of, date data which represents or
references different centuries or more than one century, or leap year, in any
level of any systems/product hardware or software, including, without
limitation, microcode, firmware, application programs, user interfaces, files
and databases (such representation and warranty being referred to as "Year 2000
Compliant"). In the event that any system/product is not Year 2000 Compliant,
StoresOnline shall, at no additional cost to Reseller, promptly modify the
system/product so as to ensure that the system/product is Year 2000 Compliant.
In such event, each party reserves all other rights and obligations under this
Agreement and any applicable schedules or amendments hereto.

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     (iii) All Services provided by StoresOnline in connection with this
Agreement shall be performed in compliance with all applicable federal, state
and local laws, rules and regulations, and the applicable laws and regulations
of any jurisdiction or sovereignty where the Services may be used.

     9. Documentation and Training. Provided that Reseller has met the minimum
performance standards set forth elsewhere in this Agreement, StoresOnline shall,
on a semi-annual basis, provide free-of-charge a one (1) day training program
for employees designated by Reseller at the StoresOnline corporate headquarters.
Additional training by StoresOnline shall be made available to Reseller at
StoresOnline's standard rates. All expenses of the trainees under this Section 9
shall be borne solely by Reseller.

     10. Indemnification and Insurance.

     a. Indemnification. Each party (the "Indemnifying Party") shall indemnify,
defend and hold harmless the other party, its affiliates, and each of their
respective partners, officers, directors, employees and agents from and against
any and all damages, claims, liabilities, judgments, actions, lawsuits,
executions, costs (including reasonable attorneys' fees and costs and expenses
of legal actions) and expenses arising out of any act or omission of the
Indemnifying Party, including any breach by the Indemnifying Party of this
Agreement or arising from any alleged or actual libel, slander, defamation,
infringement of copyright or other intellectual property right, piracy,
plagiarism or invasion of the right of privacy committed or alleged to have been
committed by the Indemnifying Party in connection with the Services or this
Agreement.

     b. Insurance. StoresOnline shall maintain during the term of this Agreement
insurance on an "Occurrence" basis (not a "Claims-Made" policy) as follows:
Commercial General Liability Insurance coverage on current standard forms as
promulgated by the Insurance Services Office ("ISO") that covers at least
Premises and Operations, Products and Completed Operations, Blanket Contractual
Liability for both oral and written contracts, Personal Injury and Broad Form
Property Damage, to cover StoresOnline's activities as described in this
Agreement, with limits of liability of no less than $1,000,000 per occurrence
for Bodily Injury, Property Damage, Personal and Advertising Injury, all as
defined in the ISO Form, and no less than $1,000,000 in the aggregate. Such
insurance shall cover, at a minimum, the "offenses" of defamation of character
or reputation; invasion of privacy; infringement of trademark, title, slogan,
trade name or service mark; infringement of copyright or misappropriation of
ideas. The Commercial General Liability policy shall be endorsed to provide
that: (i) Reseller shall be included as an Additional Insured, with the added
provision that StoresOnline's policies shall provide primary and
non-contributory coverage to Reseller, irrespective of any insurance carried by
Reseller, whether it be primary, excess, contingent or on any other basis; and
(ii) the insurer waives any rights of subrogation it may have against Reseller.
Upon request of Reseller, StoresOnline shall provide to Reseller a certificate
of insurance demonstrating compliance with the requirements of this paragraph.

     11.Default.

     a. Reseller's Default. The failure by Reseller to make any payment required
hereunder or a material breach by Reseller of its obligations hereunder shall
constitute an event of default by Reseller. Upon the occurrence of an event of
default by Reseller, StoresOnline shall provide Reseller with written notice
specifying the nature of such default. If Reseller has not cured such default
within thirty (30) days after receipt of such notice, StoresOnline may, at its
sole discretion, terminate this Agreement and/or seek any other available
remedies available at law or in equity.

     b. StoresOnline's Default. The failure by StoresOnline to make any payment
required hereunder or a material breach by StoresOnline of its obligations
hereunder shall constitute an event of default by StoresOnline. Upon the
occurrence of an event of default by StoresOnline, Reseller shall provide
StoresOnline with written notice specifying the nature of such default. If
StoresOnline has not cured such default within thirty (30) days after receipt of
such notice, Reseller may, at its sole option, terminate this Agreement and/or
seek any other available remedies available at law or in equity.

     c. Insolvency. The commencement of any proceeding (voluntary or
involuntary) in bankruptcy or insolvency by or against either party hereto, or
the appointment (with or without the party's consent) of an assignee for the
benefit of creditors or a receiver with respect to either party hereto shall
constitute an event of default hereunder, and the non-defaulting party may elect
to terminate this Agreement immediately.

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     12.General.

     a. Entire Agreement; Amendment. This Agreement constitutes the entire
agreement between StoresOnline and Reseller and supersedes all previous
understandings, negotiations and proposals, whether written or oral. This
Agreement may not be altered, amended or modified except by an instrument in
writing signed by duly authorized representatives of each party. In the event
that any one or more provisions contained in this Agreement should for any
reason be held to be unenforceable in any respect, such unenforceability shall
not affect any other provisions hereof, and this Agreement shall be construed as
if such unenforceable provision had not been contained herein.

     b. Force Majeure. Neither party shall be liable to the other for delays or
failures to perform an obligation to the other hereunder if such delay or
failure to perform is due to any act of God, acts of civil or military
authority, labor disputes, fire, riots, civil commotion, sabotage, war, embargo,
blockage, floods, epidemics, delays in transportation, inability beyond such
party's reasonable control to obtain necessary labor, materials or manufacturing
facilities, or when due to governmental restrictions. In the event of any such
delay or failure, the parties shall have an additional period of time equal to
the time lost by reason of the foregoing in which to perform hereunder.

     c. Governing Law. This Agreement shall be governed in all respects by the
laws of the State of Colorado, without regard to principles of choice of law.

     d. Assignment. Neither party shall assign this Agreement or any rights
hereunder without the prior written consent of the other party, which consent
shall not be unreasonably withheld, provided that either party may assign this
Agreement to a subsidiary or affiliate corporation or business entity.

     e. Disclosure of Information. Each party acknowledges that, in the course
of purchasing or providing Services and meeting its obligations under this
Agreement, it will obtain information relating to the Services and to the other
party, which is of a confidential and proprietary nature ("Proprietary
Information"). Such Proprietary Information may include, but is not limited to,
trade secrets, know-how, inventions, techniques, processes, programs,
schematics, data, customer lists, financial information and sales and marketing
plans.

     Each party shall at all times during the term of this Agreement and for
three years after its termination, keep in confidence and trust from any person
or entity, all Proprietary Information and shall not disclose or use such
Proprietary Information without the prior written consent of the other party,
unless compelled to disclose such Proprietary Information by judicial or
administrative process (including, without limitation, in connection with
obtaining the necessary approvals of this Agreement and the transactions
contemplated hereby of governmental or regulatory authorities) or by other
requirements of law. Upon termination of this Agreement, each party shall
promptly return or destroy all Proprietary Information under its control and all
copies thereof.

     Neither party shall disclose the terms of this Agreement to any third party
except as may be mutually agreed or as required by law or the order of a court
of competent jurisdiction.

     The above limitations on disclosure of Proprietary Information shall not
apply to information which becomes publicly available through no act of the
other party, is released in writing with no restrictions by the party which owns
the information, is lawfully obtained without breach of this Agreement from
third parties without obligations of confidentiality, is previously known
without similar restrictions as shown by documents in such party's possession
prior to disclosure or is independently developed.

     f. Compliance with Law. Each party shall comply with all applicable laws
the violation of which would have a material adverse effect on this Agreement,
including, without limitation, the export control laws of the United States of
America and prevailing regulations which may be issued from time to time by the
United States Department of Commerce and any export control regulations of the
United States and those countries involved in transactions concerning the
exporting, importing and re-exporting of Services purchased under application of
these terms and conditions. Each party shall also comply with the United States
Foreign Corrupt Practices Act and shall indemnify the other party from
violations of such act. This provision 12(f) shall survive any termination or
expiration of the Agreement.

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     g. Exercise of Remedies. Any delay or omission by either party to exercise
any right or remedy under this Agreement shall not be construed to be a waiver
of any such right or remedy or any other right or remedy hereunder.

     h. Limitation of Liability. NEITHER PARTY SHALL BE LIABLE TO THE OTHER FOR
ANY SPECIAL, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES DUE TO FAILURE TO
PERFORM ITS OBLIGATIONS HEREUNDER EXCEPT WITH RESPECT TO INDEMNIFICATION
OBLIGATIONS ARISING FROM CLAIMS MADE BY THIRD PARTIES.

     i. Headings. Headings contained in this Agreement are for convenience only,
are not a part of this Agreement, and do not in anyway interpret, limit or
amplify the scope, extent or intent of this Agreement or any of the provisions
hereof.

     j. [ Omitted. ]

     k. Branding. StoresOnline shall have the right to place a "Powered by
Netgateway" or "Powered by StoresOnline" byline in a prominent mutually agreed
upon location on each storefront site and on each Mall site.

     l. Publicity. Each party shall have the right to inform its customers and
the public that StoresOnline has entered into this Agreement with the other
party, but not the terms of the Agreement. Upon prior approval of the other
party in each instance, each party may use the other's name or the name of its
customers in marketing the Services and the development of the Malls and may
link to each other's web sites, but neither party will perform any actions which
will harm the other's or its customers' names and reputations.

     m. Notices. Any notice required in connection with this Agreement shall be
given in writing and shall be deemed effective upon personal delivery or three
business days after deposit in the United States mail, registered or certified,
postage prepaid and addressed to the party entitled to such notice at the
address indicated below such party's signature line on this Agreement or at such
other address as such party may designate by ten (10) days' advance written
notice to the other party. All facsimile notices shall be confirmed by written
notice mailed, as provided above, within five (5) days of the date the facsimile
is sent. Once confirmed, the notice shall be effective as of the date of the
facsimile.

<PAGE>

     IN WITNESS WHEREOF, the parties hereto have executed this Agreement to be
effective as of the date set forth herein.

                                STORESONLINE.COM, INC., a California corporation

                                By:    /s/ Donald M. Corliss, Jr.
                                       -----------------------------------------

                                Name:  Donald M. Corliss, Jr.
                                       -----------------------------------------

                                Their: Authorized Agent
                                       -----------------------------------------
Address for Notices:

300 Oceangate, Suite 500
Long Beach, CA 90802
(562) 308-0010

                                NETGATEWAY, a Nevada corporation

                                By:    /s/ Donald M. Corliss, Jr.
                                       -----------------------------------------

                                Name:  Donald M. Corliss, Jr.
                                       -----------------------------------------

                                Their: President
                                       -----------------------------------------

Address for Notices:

300 Oceangate, Suite 500
Long Beach, CA 90802
(562) 308-0010

INTERMEDIA PARTNERS SOUTHEAST
(a California general partnership)

By:
TCI Spartanburg IP-IV, LLC
(a Delaware limited liability company),
as Managing General Partner

                                By:   /s/ Judi B. Heady
                                      ------------------------------------------

                                Name: Judi B. Heady
                                      ------------------------------------------
                                                  (Print or type)

                                Title: Group Vice President
                                       -----------------------------------------

Address for Notices:

AT&T Media Services
2950 Kraft Drive, Suite 100
Nashville, TN  37204
Attention:  Judi Heady

With a copy to:

Tele-Communications, Inc.
P.O. Box 5630
Denver, CO  80217-5630
Attention:  Legal Department

Address:

Telephone:
Facsimile:
E-mail Address:
URL:

Technical Contact:
Telephone:
E-mail Address:

<PAGE>

                                    ADDENDUM

Name of Reseller:   Intermedia Partners Southeast

Type Entity:   a California general partnership

Date of Agreement:  December  9, 1999

Description of Reseller's Business:   Cable communications services

STANDARD FEATURE SET

Catalogs
o  International Currencies
o  Weight Units: Kilograms, Grams, Pounds and Ounces
o  Sending Methods: Internet, Fax/Mail and Phone
o  Faxed Internet Orders
o  Payment Methods: VISA, MasterCard, American Express, Discover and JCB
o  Custom Payment Methods
o  Standard Shipping Destinations:  United States,
    Canadian Provinces and World Countries
o  Custom Shipping Destinations
o  Multiple Shipping Methods and Regions
o  Shipping Formula Variables: Quantities Ordered, Weight and Subtotal
o  Shipping Formula Functions:  Minimum, Maximum and Range
o  Custom Tax Rates
o  Custom Survey Questions:  Long Answer, Short Answer, Multiple Choice
    and Single Choice
o  Custom Subtotal Items:  Fixed, User Enterable and Optional
o  Users and Passwords

Categories
o  Unlimited Categories
o  Full Description
o  Image

Products
o  Base Item Number
o  Description; Full Description
o  Image
o  Price
o  Sale Price
o  Unique Sale Price for Each Catalogue
o  Non-Taxable Products
o  Weight
o  Category
o  Multiple Product Options (i.e., Color, Size)
o  Multiple Product Option Items (i.e., Red, Green, Blue)
o  Custom Item Numbers based on Options
o  Custom Pricing based on Options
o  Option Conflicts
o  Quantity Discounts
o  Links to Related Items
o  Links to other URL's
o  Preview product pages
o  Generated HTML code to copy and paste into existing sites
o  Graphical pricing for easy integration into existing sites
o  Import product information from a test-delimited file

Orders
o  E-mail notification of new orders
o  Order Status
o  Waybill Number and Shipper
o  Custom Notes
o  End-user Order Tracking
o  Export Order Information

StoresOnline Point of Sale
o  Multiple Merchant Numbers
o  Automatic authorization of orders sent over the Internet
o  Manual Authorizations
o  Credits
o  Automatic Settlement
o  Freeze and Thaw Transactions

StoresOnline Hosting
o  Home Page Builder
o  Unique URL
o  10 MB Free
o  Virtual hosting of existing domain names
o  Professionally designed templates
o  Customize your own templates

StoresOnline Search
o  Full Text Search Engine
o  Full Word Listing
o  Phrase or Boolean Searching
o  Re-index your site anytime
o  Integrate into existing sites

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PRICING FOR STOREFRONT SERVICES:

One-Time Store Set-up Fee            [redacted]
Monthly Base Wholesale Price
    per active storefront            [redacted]
Optional Monthly Maintenance Plan    [redacted]

* The [redacted] set-up fee is for the basic StoresOnline store set-up service.
Additional products, images and custom work will be billed at StoresOnline's
standard rates. A quote will be approved by the merchant prior to the
commencement of such work.

** This fee applies to storefronts with up to 100 products. The Monthly Base
Wholesale Price shall be [redacted] for those storefronts with 101 to 300
products and [redacted] for those storefronts with 301 to 1000 products. Pricing
for Stores with over 1000 products will be determined by quote.

MALL DEVELOPMENT SERVICES AND PRICES

     1. Development. StoresOnline shall design and develop one or more on-line
Malls, to be branded around Reseller's name, brand and image, and shall link to
the Reseller's branded StoresOnline solution. The Malls will include appropriate
Uniform Resource Locator (URL) addresses, four to six featured products and
stores from various Reseller and third party advertisers, additional Reseller
and non-Reseller advertiser stores and products catalogued with text references,
and links to top-tier eCommerce sites. The Malls will also include an
appropriate search engine, commerce functionality, banner and other appropriate
advertising space and such other features as the parties shall mutually agree.
The Mall will be capable of cataloguing stores independently or in conjunction
with all other Malls developed hereunder, if any, as well as other malls which
belong to the StoresOnline electronic mall network. Reseller agrees and
understands that the storefronts of its end-user customers may be placed in one
or more electronic malls developed and/or operated by StoresOnline.

     2. Pricing. The mall development services fee is waived in return for
Reseller meeting its promotional obligations as set forth herein.

<PAGE>

                                    EXHIBIT A

                        STANDARD LICENSE AGREEMENT TERMS

     1. License. This License allows you to use any software associated with the
provision of the Services.

     2. Restrictions. You may not use, copy, modify or transfer the program, or
any copy, modification or merged portion, in whole or in part, except as
expressly provided for in this License. If you transfer possession of any copy,
modification or merged portion of the program to another party, your License is
automatically terminated.

     3. Term. The License is effective until terminated. Either party may
terminate the License at any other time by providing written notification to the
other party. The License will also terminate upon the occurrence of certain
events set forth elsewhere in this Agreement. Upon such termination, you agree
to destroy the program together with all copies, modifications and merged
portions in any form.

     4. Export Law Assurances. You agree that neither the program nor any direct
product thereof is being or will be shipped, transferred or re-exported,
directly or indirectly, into any country prohibited by the U.S. Export
Administration Act and the regulations thereunder or will be used for any
purpose prohibited by the Act.

     5. Limited Warranty. The program is provided "as is" without warranty of
any kind, either expressed or implied, including, but not limited to, the
implied warranties of merchantability and fitness for a particular purpose. The
full text of the warranty is provided in the user manual.

     6. Limited Liability. In no event will StoresOnline or Reseller be liable
to you for any damages, including any lost profits, lost savings or other
incidental or consequential damages arising out of the use of or inability to
use such program even if StoresOnline or Reseller has been advised of the
possibility of such damages, or for any claim by any other party.

     7. General. If you are a Government end-user, this License conveys only
"Restricted Rights," and in its use, disclosure and duplication are subject to
Federal Acquisition Regulations, subparagraph (c)(1)(11) 52.227-7013. (See U.S.
Government End-User provisions in user manual.) This License will be construed
under the laws of the State of Tennessee, except for that body of law dealing
with conflicts of law. If any provision of the License shall be held by a court
of competent jurisdiction to be contrary to law, that provisions shall be
enforced to the maximum extent permissible, and the remaining provisions of this
License shall remain in full force and effect.

<PAGE>

                                    EXHIBIT B

                         TERMS FOR ON-LINE REGISTRATION<PAGE>
                                   NETGATEWAY

                     ELECTRONIC COMMERCE SERVICES AGREEMENT

         THIS ELECTRONIC COMMERCE SERVICES AGREEMENT (this "Agreement") is made
effective as of the Acceptance Date set forth in the initial eCommerce Services
Order Form (December 1, 1999) accepted by Netgateway, a Nevada corporation
("Netgateway"), and the subscriber identified below ("Subscriber").

PARTIES:

SUBSCRIBER NAME: LEADING TECHNOLOGIES, INC. D/B/A MALL OF MINORITY
                 AMERICAN.COM, INC.
ADDRESS:         5150 EAST PACIFIC COAST HIGHWAY
                 LONG BEACH, CA 90804
TELEPHONE:       (562) 961-8826
FACSIMILE:       (562) 961-8727

NETGATEWAY
300 Oceangate,  Suite 500
Long Beach, CA 90802
Phone: (562) 308-0010
Fax:   (562) 308-0021

1. ELECTRONIC COMMERCE SERVICES.

   1.1 eCommerce Services. Subject to the terms and conditions of this
Agreement, during the term of this Agreement Netgateway will, through the
Netgateway Internet Commerce Center(TM) ("Netgateway ICC") provide to Subscriber
the services described in the eCommerce Services Order Form(s) the "eCommerce
Services Order Form(s)") accepted by Netgateway, or substantially similar
services if such substantially similar services would provide Subscriber with
substantially similar benefits (the "eCommerce Services"). All such eCommerce
Services Order Forms will be incorporated herein by this reference as of the
Acceptance Date set forth in each such form. Netgateway and Subscriber have
mutually agreed or will mutually agree upon the detailed final specifications
(the "Specifications") for the eCommerce Services and the development timeline
therefor, all of which are or will be set forth on the attached initial
eCommerce Services Order Form, marked Exhibit "A", and by this reference made a
part hereof.

   1.2 Availability. ECommerce Services will be available to Subscriber for
inquiry and order entry functions twenty-four (24) hours a day, seven (7) days a
week. Netgateway reserves the right upon reasonable notice to Subscriber to
limit or curtail holiday or weekend availability when necessary for system
upgrades, adjustments, maintenance, or other operational considerations.

   1.3 Enhancements. General enhancements to existing eCommerce Services
provided hereunder, as well as new features that Netgateway incorporates into
its standard commerce processing system, regardless of whether they are
initiated by Netgateway or developed at the request of Subscriber or other
subscribers, shall be made available to Subscriber at no additional cost. Any
new features or services that may be developed by Netgateway during the term of
this Agreement that Netgateway intends to offer to subscribers on a limited or
optional basis may, at Netgateway' option, and subject to Subscribers'
acceptance, be made available to Subscriber at Netgateway's then-current prices
for such new features or services. Enhancements to existing eCommerce Services
requested by Subscriber that benefit only subscriber at the time such
enhancements are put into service shall be billed to Subscriber at Netgateway's
standard rates for programming. All enhancements to the eCommerce Services, and
any new features or services introduced by Netgateway, shall remain the
exclusive proprietary property of Netgateway.

   1.4 Training. At no cost to Subscriber, Netgateway shall provide such onsite
training and other assistance, as Netgateway deems necessary to assure that
Subscriber's personnel are able to make effective use of the eCommerce Services.
On-site training shall take place at such times and places as are mutually
agreeable to the parties hereto.

   1.5 Subscriber Data.

       (a) Subscriber Data. Subscriber will timely supply Netgateway, in a form
acceptable to Netgateway, with all data necessary for Netgateway to perform the
ongoing services to be provided hereunder. It is the sole responsibility of
Subscriber to insure the completeness and accuracy of such data.

       (b) Confidentiality: Netgateway acknowledges that all records, data,
files and other input material relating to Subscriber are confidential and shall
take reasonable steps to protect the confidentiality of such records, data,
files and other materials. Netgateway will provide reasonable security
safeguards to limit access to Subscriber's files and records to Subscriber and
other authorized parties.

       (c) Protection of Subscriber Files. Netgateway will take reasonable steps
to protect against the loss or alteration of Subscriber's files, records and
data retained by Netgateway, but Subscriber recognizes that events beyond the
control of Netgateway may cause such loss or alteration. Netgateway will
maintain backup file(s) containing all the data, files and records related to
Subscriber, which data, files and records shall be backed up on a daily basis.
Subscriber's file(s), records and data shall, at no cost to Subscriber, be
released to Subscriber on an occurrence that renders Netgateway unable to
perform hereunder, or upon the termination of this Agreement as provided herein.

<PAGE>

       (d) Ownership of Data. Netgateway acknowledge that all records, data,
files and other input material relating to Subscriber and its customers are the
exclusive property of the Subscriber.

2. FEES AND BILLING.

   2.1 Fees. Subscriber will pay all fees and amounts in accordance with the
eCommerce Services Order Forms.

   2.2 Billing Commencement. Billing for eCommerce Services indicated in the
eCommerce Services Order Forms (including the eCommerce Rate, Fee Per Hit,
Banner Advertising and Click Through Revenue), other than the Initial
Development Fee, shall commence on the "Operational Date" indicated in the
eCommerce Services Order Forms. The Initial Development Fee will be due and
payable in accordance with the terms of the eCommerce Services Order Form. In
the event that Subscriber orders other eCommerce Services in addition to those
listed in the initial eCommerce Services Order Form, billing for such services
shall commence on the date Netgateway first provides such additional eCommerce
Services to Subscriber or as otherwise agreed to by Subscriber and Netgateway in
the applicable eCommerce Services Order Form.

   2.3 Billing and Payment Terms. Netgateway shall invoice Subscriber monthly in
advance of the provision of Internet Commerce Services, and payment of such fees
will be due within thirty (30) days of the date of each Netgateway invoice. All
payments will be made in U.S. dollars. Late payments hereunder will accrue
interest at a rate of one and one-half percent (1-1/2%) per month, or the
highest rate allowed by applicable law, whichever is lower. If, in its
reasonable judgment, Netgateway determines that Subscriber is not creditworthy
or is otherwise not financially secure, Netgateway may, upon prior written
notice to Subscriber, modify the payment terms to require full payment before
the provision of eCommerce Services or other assurances to secure Subscriber's
payment obligations hereunder.

   2.4 Taxes, Utilities and Exclusions. All charges shall be exclusive of any
federal, state or local sales, use, excise, ad valorem or personal property
taxes levied, or any fines, forfeitures or penalties assessed in connection
therewith, as a result of this Agreement or the installation or use of eCommerce
Services hereunder. Any such taxes which may be applicable will be paid by
Subscriber or by Netgateway for Subscriber's account, in which case Subscriber
shall reimburse Netgateway for amounts so paid. Netgateway shall provide
burstible at 1 megabit per second capacity bandwidth for Subscriber's website at
no additional charge. Should Subscriber need additional bandwidth, Netgateway
will provide or make arrangements to provide such additional bandwidth and
invoice Subscriber for such excess bandwidth and/or use beyond a 1 megabit per
second burstible line. Netgateway will provide traffic reports to Subscriber
with respect to burstible capacity. Netgateway is not responsible for providing
connectivity to Subscriber's offices.

3. SUBSCRIBER'S OBLIGATIONS.

   3.1 Compliance with Law and Rules and Regulations. Subscriber agrees that
Subscriber will comply at all times with all applicable laws and regulations and
Netgateway's general rules and regulations relating to its provision of
eCommerce Services, currently included herein as Section 10, which may be
updated and provided by Netgateway to Subscriber from time to time ("Rules and
Regulations"). Subscriber acknowledges that Netgateway exercises no control
whatsoever over the content contained in or passing through the Subscriber's web
site or mall ("eCommerce Centers"), and that it is the sole responsibility of
Subscriber to ensure that the information it transmits and receives complies
with all applicable laws and regulations.

   3.2 Access and Security. Subscriber will be fully responsible for any
charges, costs, expenses (other than those included in the eCommerce Services),
and third party claims that may result from its use of, or access to, the
Netgateway Internet Commerce Center(TM) or the eCommerce Centers, including, but
not limited to, any unauthorized use or any access devices provided by
Netgateway hereunder.

   3.3 No Competitive Services. Subscriber may not at any time permit any
eCommerce Services to be utilized for the provision of any services that compete
with any Netgateway services, without Netgateway's prior written consent.

   3.4 Insurance.

       (a) Minimum Levels. Not later than six (6) months after the Acceptance
Date set forth on the eCommerce Services Order Form, Subscriber shall put in
place and shall keep in full force and effect during the remaining term of this
Agreement: (i) comprehensive general liability insurance in an amount not less
than $1 million for the first twelve months of this Agreement and $3 million for
the remaining term of this Agreement per occurrence for bodily injury and
property damage; and (ii) workers' compensation insurance in an amount not less
than that required by applicable law. Subscriber also agrees that it will be
solely responsible for ensuring that its agents (including contractors and
subcontractors) maintain, other insurance at levels no less than those required
by applicable law and customary in Subscriber's industries.

       (b) Certificates of Insurance. Prior to the Operational Date, Subscriber
will furnish Netgateway with certificates of insurance which evidence the
minimum levels of insurance set forth above, and will notify Netgateway in
writing in the event that any such insurance policies are cancelled.

<PAGE>

   (c) Naming Netgateway as an Additional Insured. Subscriber agrees that prior
to the Operational Date, Subscriber will cause its insurance provider(s) to name
Netgateway as an additional insured and notify Netgateway in writing of the
effective date thereof.

4. CONFIDENTIAL INFORMATION.

   4.1 Confidential Information. Each party acknowledges that it will have
access to certain confidential information of the other party concerning the
other party's business, plans, customers, technology and products, including the
terms and conditions of this Agreement ("Confidential Information").
Confidential Information will include, but not be limited to, each party's
proprietary software and customer information. Each party agrees that it will
not use in any way, for its own account or the account of any third party,
except as expressly permitted by this Agreement, nor disclose to any third party
(except as required by law or to that party's attorneys, accountants and other
advisors as reasonably necessary), any of the other party's Confidential
Information and will take reasonable precautions to protect the confidentiality
of such information.

   4.2 Exceptions. Information will not be deemed Confidential Information
hereunder if such information: (i) is known to the receiving party prior to
receipt from the disclosing party directly or indirectly from a source other
than one having an obligation of confidentiality to the disclosing party; (ii)
becomes known (independently of disclosure by the disclosing party) to the
receiving party directly or indirectly from a source other than one having an
obligation of confidentiality to the disclosing party; (iii) becomes publicly
known or otherwise ceases to be secret or confidential, except through a breach
of this Agreement by the receiving party; or (iv) is independently developed by
the receiving party.

5. REPRESENTATIONS AND WARRANTIES.

   5.1 Warranties by Subscriber.

   (a) Subscriber's Business. Subscriber represents and warrants that:

       (i) Subscriber's services, products, materials, data, and information
used by Subscriber in connection with this Agreement as well as Subscriber's and
its permitted customers' and users' use of the eCommerce Services (collectively,
"Subscriber's Business") does not as of the Operational Date, and will not
during the term of this Agreement, operate in any manner that would violate any
applicable law or regulation.

       (ii) Subscriber owns or has the right to use all material contained in
the Subscriber's web site, including all text, graphics, sound, video,
programming, scripts, and applets; and

       (iii) The use, reproduction, distribution, and transmission of the web
site, or any information or materials contained in it does not (A) infringe or
misappropriate any copyright, patent, trademark, trade secret, or any other
proprietary rights of a third party; or (B) constitute false advertising, unfair
competition, defamation, an invasion of privacy or violate a right of publicity.

   (b) Rules and Regulations. Subscriber has read the Rules and Regulations
(Section 10 below) and represents and warrants that Subscriber and Subscriber's
Business are currently in full compliance with the Rules and Regulations, and
will remain so at all times during the term of this Agreement.

   (c) Breach of Warranties. In the event of any breach, or reasonably
anticipated breach, of any of the foregoing warranties, in addition to any other
remedies available at law or in equity, Netgateway will have the right
immediately in Netgateway's reasonable discretion, to suspend any related
eCommerce Services if deemed reasonably necessary by Netgateway to prevent any
harm to Netgateway or its business.

5.2 Warranties and Disclaimers by Netgateway.

   (a) No Other Warranty. THE eCOMMERCE SERVICES ARE PROVIDED ON AN "AS IS"
BASIS, AND SUBSCRIBER'S USE OF THE eCOMMERCE SERVICES IS AT ITS OWN RISK.
NETGATEWAY DOES NOT MAKE, AND HEREBY DISCLAIMS, ANY AND ALL OTHER EXPRESS AND/OR
IMPLIED WARRANTIES, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF
MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NONINFRINGEMENT AND TITLE,
AND ANY WARRANTIES ARISING FROM A COURSE OF DEALING, USAGE, OR TRADE PRACTICE.
NETGATEWAY DOES NOT WARRANT THAT THE eCOMMERCE SERVICES WILL BE UNINTERRUPTED,
ERROR-FREE OR COMPLETELY SECURE.

   (b) Disclaimer of Actions Caused by and/or Under the Control of Third
Parties. NETGATEWAY DOES NOT AND CANNOT CONTROL THE FLOW OF DATA TO OR FROM
NETGATEWAY'S INTERNET COMMERCE CENTER AND OTHER PORTIONS OF THE INTERNET. SUCH
FLOW DEPENDS IN LARGE PART ON THE PERFORMANCE OF INTERNET SERVICES PROVIDED OR
CONTROLLED BY THIRD PARTIES. AT TIMES, ACTIONS OR INACTIONS CAUSED BY THESE
THIRD PARTIES CAN PRODUCE SITUATIONS IN WHICH NETGATEWAY'S SUBSCRIBERS'
CONNECTIONS TO THE INTERNET (OR PORTIONS THEREOF) MAY BE IMPAIRED OR DISRUPTED.
ALTHOUGH NETGATEWAY WILL USE COMMERCIALLY REASONABLE EFFORTS TO TAKE ACTIONS IT
DEEMS APPROPRIATE TO REMEDY AND AVOID SUCH EVENTS, NETGATEWAY CANNOT GUARANTEE
THAT THEY WILL NOT OCCUR. ACCORDINGLY, NETGATEWAY DISCLAIMS ANY AND ALL
LIABILITY RESULTING FROM OR RELATED TO SUCH EVENTS.

<PAGE>

6. LIMITATIONS OF LIABILITY.

   6.1 Exclusions. IN NO EVENT WILL NETGATEWAY BE LIABLE TO ANY THIRD PARTY FOR
ANY CLAIMS ARISING OUT OF OR RELATED TO THIS AGREEMENT, SUBSCRIBER'S BUSINESS
OR OTHERWISE, AND ANY LOST REVENUE, LOST PROFITS, REPLACEMENT GOODS, LOSS OF
TECHNOLOGY, RIGHTS OR SERVICES, INCIDENTAL, PUNITIVE, INDIRECT OR CONSEQUENTIAL
DAMAGES, LOSS OF DATA, OR INTERRUPTION OR LOSS OF USE OF SERVICE OR SUBSCRIBER'S
BUSINESS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER UNDER
THEORY OF CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY OR OTHERWISE.

   6.2 Limitations. NETGATEWAY, ITS AFFILIATES, EMPLOYEES, OFFICERS AND AGENTS
SHALL NOT BE LIABLE TO SUBSCRIBER OR TO ANY THIRD PARTY FOR ANY LOSS OR DAMAGE,
WHETHER DIRECT OR INDIRECT, RESULTING FROM DELAYS OR INTERRUPTIONS OF SERVICE
DUE TO MECHANICAL ELECTRICAL OR WIRE DEFECTS OR DIFFICULTIES, STORMS, STRIKES,
WALK-OUTS, EQUIPMENT OF SYSTEMS FAILURES, OR OTHER CAUSES OVER WHICH NETGATEWAY,
ITS AFFILIATES, EMPLOYEES, OFFICERS, OR AGENTS AGAINST WHOM LIABILITY IS SOUGHT,
HAVE NO REASONABLE CONTROL, OR FOR LOSS OR DAMAGE, DIRECT OR INDIRECT, RESULTING
FROM INACCURACIES, ERRONEOUS STATEMENTS, ERRORS OF FACTS, OMISSIONS, OR ERRORS
IN THE TRANSMISSION OR DELIVERY OF eCOMMERCE SERVICES, OR ANY DATA PROVIDED AS A
PART OF THE eCOMMERCE SERVICES PURSUANT TO THIS AGREEMENT, EXCEPT TO THE EXTENT
CAUSED BY THE GROSS NEGLIGENCE OR WILLFUL MISCONDUCT OF NETGATEWAY. IN ADDITION,
IN NO EVENT SHALL NETGATEWAY BE LIABLE TO SUBSCRIBER OR TO ANY THIRD PARTY FOR
SPECIAL, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL LOSSES OR DAMAGES WHICH
SUBSCRIBER OR SUCH THIRD PARTY MAY INCUR OR EXPERIENCE ON ACCOUNT OF ENTERING
INTO OR RELYING ON THIS AGREEMENT OR UTILIZING THE NETGATEWAY eCOMMERCE
SERVICES, REGARDLESS OF WHETHER NETGATEWAY HAS BEEN ADVISED OF THE POSSIBILITY
OF SUCH DAMAGES OR WHETHER SUCH DAMAGES ARE CAUSED, IN WHOLE OR IN PART, BY THE
NEGLIGENCE OF NETGATEWAY.

   6.3 Maximum Liability. NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THIS
AGREEMENT, NETGATEWAY'S MAXIMUM AGGREGATE LIABILITY TO SUBSCRIBER RELATED TO OR
IN CONNECTION WITH THIS AGREEMENT WILL BE LIMITED TO THE TOTAL AMOUNT PAID BY
SUBSCRIBER TO NETGATEWAY HEREUNDER FOR THE PERIOD CONSISTING OF THE PRIOR
[redacted] FULL CALENDAR [redacted].

   6.4 Time For Making Claims. ANY SUIT OR ACTION BY SUBSCRIBER AGAINST
NETGATEWAY, ITS AFFILIATES, OFFICERS, DIRECTORS, AGENTS EMPLOYEES, SUCCESSORS OR
ASSIGNS, BASED UPON ANY ACT OR OMISSION ARISING OUT OF OR RELATING TO THIS
AGREEMENT, OR SERVICES PERFORMED HEREUNDER, OR ANY ALLEGED BREACH THEREOF, SHALL
BE COMMENCED WITHIN [redacted] OF THE FIRST OCCURRENCE GIVING RISE TO SUCH
CLAIM OR BE FOREVER BARRED. THIS PROVISION DOES NOT MODIFY OR OTHERWISE AFFECT
THE LIMITATION OF NETGATEWAY'S LIABILITY SET FORTH IN SECTION 6 OR ELSEWHERE IN
THIS AGREEMENT.

   6.5 Subscriber's Insurance. Subscriber agrees that it will not pursue any
claims against Netgateway for any liability Netgateway may have under or
relating to this Agreement until Subscriber first makes claims against
Subscriber's insurance provider(s) and such insurance provider(s) finally
resolve(s) such claims.

   6.6 Basis of the Bargain; Failure of Essential Purpose. Subscriber
acknowledges that Netgateway has set its prices and entered into this Agreement
in reliance upon the limitations of liability and the disclaimers of warranties
and damages set forth herein, and that the same form an essential basis of the
bargain between the parties. The parties agree that the limitations and
exclusions of liability and disclaimers specified in this Agreement will survive
and apply even if found to have failed of their essential purpose.

7. INDEMNIFICATION.

   7.1 Netgateway's Indemnification of Subscriber. Netgateway will indemnify,
defend and hold Subscriber harmless from and against any and all costs,
liabilities, losses, and expenses (including, but not limited to, reasonable
attorneys' fees) (collectively, "Losses") resulting from any claim, suit,
action, or proceeding (each, an "Action") brought against Subscriber alleging
the infringement of any third party registered U.S. copyright or trademark or
issued U.S. patent resulting from the provision of eCommerce Services pursuant
to this Agreement (but excluding any infringement contributorily caused by
Subscriber's Business).

   7.2 Subscriber's Indemnification of Netgateway. Subscriber will indemnify,
defend and hold Netgateway, its affiliates and customers harmless from and
against any and all Losses resulting from or arising out as Subscriber's breach
of any provision of this Agreement or any Action brought against Netgateway, its
directors, employees, affiliates or Subscribers alleging with respect to the
Subscriber's Business: (a) infringement or misappropriation of any intellectual
property rights; (b) defamation, libel, slander, obscenity, pornography or
violation of the rights of privacy or publicity; (c) spamming, or any other
offensive, harassing or illegal conduct or violation of the Rules and
Regulations; or (d) any violation of any other applicable law or regulation.

   7.3 Notice. Each party will provide the other party, prompt written notice of
the existence of any such event of which it becomes aware, and an opportunity to
participate in the defense thereof.

<PAGE>

8. DISPUTE RESOLUTION.

   8.1 Procedures. It is the intent of the parties that all disputes arising
under this Agreement be resolved expeditiously, amicably, and at the level
within each party's organization that is most knowledgeable about the disputed
issue. The parties understand and agree that the procedures outlined in this
Paragraph 8 are not intended to supplant the routine handling of inquiries and
complaints through informal contact with customer service representatives or
other designated personnel of the parties. Accordingly, for purposes of the
procedures set forth in this paragraph, a "dispute" is a disagreement that the
parties have been unable to resolve by the normal and routine channels
ordinarily used for such matters. Before any dispute arising under this
Agreement, other than as
<PAGE>

provided in paragraph 8.5 below, may be submitted to arbitration, the parties
shall first follow the informal and escalating procedures set forth below.

     (a) The complaining party's representative will notify the other party's
representative in writing of the dispute, and the non-complaining party will
exercise good faith efforts to resolve the matter as expeditiously as possible.

     (b) In the event that such matter remains unresolved thirty (30) days after
the delivery of the complainant party's written notice, a senior representative
of each party shall meet or confer within ten (10) business days of a request
for such a meeting or conference by either party to resolve such matter.

     (c) In the event that the meeting or conference specified in (b) above does
not resolve such matter, the senior officer of each party shall meet or confer
within ten (10) business days of the request for such a meeting or conference by
either party to discuss and agree upon a mutually satisfactory resolution of
such matter.

     (d) If the parties are unable to reach a resolution of the dispute after
following the above procedure, or if either party fails to participate when
requested, the parties may proceed in accordance with paragraph 8.2 below.

     8.2 Binding Arbitration. Except as provided in paragraph 8.5 below, any
dispute arising under this Agreement shall, after utilizing the procedures in
paragraph 8.1, be resolved by final and biding arbitration in Los Angeles,
California, before a single arbitrator selected by, and in accordance with the
rules of commercial arbitration of, the American Arbitration Association or as
otherwise provided in Paragraph 11.6. Each party shall bear its own costs in the
arbitration, including attorney's fees, and each party shall bear one-half of
the cost of the arbitrator.

     8.3 Arbitrator's Authority. The arbitrator shall have the authority to
award such damages as are not prohibited by this Agreement and may, in addition
and in a proper case, declare rights and order specific performance, but only in
accordance with the terms of this Agreement.

     8.4 Enforcement of Arbitrator's Award. Any Party may apply to a court of
general jurisdiction to enforce a arbitrator's award, and if enforcement is
ordered, the party against which the order is issued shall pay the costs and
expenses of the other party in obtaining such order, including responsible
attorneys' fees.

     8.5 Access to Courts. Notwithstanding the provisions of paragraphs 8.1 and
8.2 above, any action by Netgateway to enforce its rights under Paragraphs 10.3
of this Agreement or to enjoin any infringement of the same by Subscriber may,
at Netgateway election, be commenced in the state of federal courts of Los
Angeles, California, and subscriber consents to personal jurisdiction and venue
in such courts for such actions.

9.  TERM AND TERMINATION.

     9.1 Term. This Agreement will be effective on the date first above written
and will terminate three (3) years ("Initial Term") from the date hereof, unless
earlier terminated according to the provisions of this Section 9. This Agreement
will automatically renew for an additional term of three (3) years unless a
party hereto elects not to so renew and notifies the other party in writing of
such election by a date, which is six (6) months prior to the lapse of the
Initial Term.

     9.2 Termination. Either party will have the right to terminate this
Agreement if: (i) the other party breaches any material term or condition of
this Agreement and fails to cure such breach within thirty (30) days after
receipt of written notice of the same, except in the case of failure to pay
fees, which must be cured within five (5) days after receipt of written notice
from Netgateway; (ii) the other party becomes the subject of a voluntary
petition in bankruptcy or any voluntary proceeding relating to insolvency,
receivership, liquidation, or composition for the benefit of creditors; or
(iii) the other party becomes the subject of an involuntary petition in
bankruptcy or any involuntary proceeding relating to insolvency, receivership,
liquidation or composition for the benefit of creditors, if such petition or
proceeding is not dismissed with sixty (60) days of filing.

     [redacted]

     9.4 Effects of Termination. Upon the effective date of expiration or
termination of this Agreement: (a) Netgateway will immediately cease providing
the eCommerce Services; (b) any and all payment obligations of Subscriber under
this Agreement will become due immediately; and (c) within thirty (30) days
after such expiration or termination, each party will return all Confidential
Information of the other party in its possession at the time of expiration or
termination and will not make or retain any copies of such Confidential
Information except as required to comply with any applicable legal or
accounting record keeping requirement.

<PAGE>

     9.5 Survival. The following provisions will survive any expiration or
termination of the Agreement: Sections 2,3,4,5,6,7,8,9 and 10.

10. USE OF eCOMMERCE SERVICES - RULES AND REGULATIONS.

    10.1 Proprietary Systems. Subscriber acknowledges that the software systems
utilized by Netgateway in the provision of eCommerce Services hereunder,
including all enhancements thereto, and all screens and formats used in
connection therewith are the exclusive proprietary of Netgateway, and Subscriber
shall not publish, disclose, display, provide access to or otherwise make
available any Netgateway eCommerce software or products thereof, or any screens,
formats, reports or printouts used, provided, produced or supplied from or in
connection therewith, to any person or entity other than an employee of
Subscriber without the prior written consent of, and on terms acceptable to
Netgateway, which consent shall not be unreasonably withheld; provided, however,
that Subscriber may disclose to a governmental or regulatory agency or to
customers of Subscriber any information expressly prepared and acknowledge in
writing by Netgateway as having been prepared for disclosure to such
governmental or regulatory agency or to such customers. Neither party shall
disclose Subscriber's use of eCommerce Services in any advertising or
promotional materials without the prior written consent to such use, and
approval of such materials, by the other.

    10.2 Use of Services Personal to Subscriber. Subscriber agrees that it will
use the services provided hereunder only in connection with its eCommerce
business, and it will not, without the express written permission of Netgateway,
sell, lease, or otherwise provide or make available eCommerce Services to any
third party.

    10.3 Survival of Obligations. The obligations of this paragraph 10 shall
service termination of this Agreement. Subscriber understands that the
unauthorized publication or disclosure of any of Netgateway software or copies
thereof, or the unauthorized use of eCommerce Service would cause irreparable
harm to Netgateway for which there is no adequate remedy at law. Subscriber
therefore agrees that in the event of such unauthorized disclosure or use,
Netgateway may, at its discretion and at Subscriber's expense, terminate this
Agreement, obtain immediate injunctive relief in a court of competent
jurisdiction, or take such other steps as it deems necessary to protect its
rights. If Netgateway, in its reasonable, good faith judgement, determines that
there is a material risk of such unauthorized disclosure or use, it may demand
immediate assurances, satisfactory to Netgateway, that there will be no such
unauthorized disclosure or use. In the absence of such assurance, Negateway may
immediately terminate this Agreement and take such other steps as it deems
necessary. The rights of Netgateway hereunder are in addition to any other
remedies provided by law.

11. MISCELLANEOUS PROVISIONS.

    11.1 Force Majeure. Except for the obligation to pay money, neither party
will be liable for any failure or delay in its performance under this Agreement
due to any cause beyond its reasonable control, including act of war, acts of
God, earthquake, flood, embargo, riot, sabotage, labor shortage or dispute,
govermental act or failure of the Internet, provided that the delayed party: (a)
gives the other party prompt notice of such cause, and (b) uses its reasonable
commercial efforts to correct promptly such failure or delay in performance.

    11.2 No Lease. This Agreement is a services agreement and is not intended to
and will not constitute a lease of any real or personal property. Subscriber
acknowledges and agrees that (i) it has been granted only a license to use
Netgateway's ICC and any equipment provided by Netgateway in accordance with
this Agreement, (ii) Subscriber has not been granted any real property interest
in the Netgateway's ICC, and (iii) Subscriber has no rights as a tenant or
otherwise under any real property or landlord/tenant laws, regulations, or
ordinances.

    11.3 Marketing. Subscriber agrees that Netgateway may refer to Subscriber by
trade name and trademark, and may briefly describe Subscriber's Business, in
Netgateway's marketing materials and web site. Subscriber hereby grants
Netgateway a license to use any Subscriber trade names and trademarks solely in
connection with the rights granted to Netgateway pursuant to this Section 11.3.

<PAGE>

    11.4 Government Regulations. Subscriber will not export, re-export,
transfer, or make available, whether directly or indirectly, any regulated item
or information to anyone outside the U.S. in connection with this Agreement
without first complying with all export control laws and regulations which may
be imposed by the U.S. Government and any country or organization of nations
within whose jurisdiction Subscriber operates or does business.

    11.5 Non-Solicitation. During the period beginning on the Operational Data
and ending on the first anniversary of the termination or expiration of this
Agreement in accordance with its terms, Subscriber agrees that it will not, and
will ensure that its affiliates do not, directly or indirectly, solicit or
attempt to solicit for employment any persons employed by Netgateway during such
period.

    11.6 Governing Law; Severability; Waiver. This Agreement is made under and
will be governed by and construed in accordance with the laws of the State of
California (without regard to that body of law controlling conflicts of law) and
specifically excluding from application to this Agreement that law known as the
United Nations Convention on the International Sales of Goods. In the event any
provision of this Agreement is held by a tribunal of competent jurisdiction to
be contrary to the law, the remaining provisions of this Agreement will remain
in full force and effect. The waiver of any breach or default of this Agreement
will not constitute a waiver of any subsequent breach or default, and will not
act to amend or negate the rights of the waiving party.

    11.7 Assignment; Notices. Subscriber may not assign its rights or delegate
its duties under this Agreement either in whole or in part without the prior
written consent of Netgateway, except that Subscriber may assign this Agreement
in whole as part of a corporate reorganization, consolidation, merger, or sale
of substantially all of its assets. Any attempted assignment or delegation
without such consent will be void. Netgateway may assign this Agreement in whole
or part. This Agreement will bind and inure to the benefit of each party's
successors and permitted assigns. Any notice or communication required or
permitted to be given hereunder may be delivered by hand, deposited with an
overnight courier, sent by confirmed facsimile, or mailed by registered or
certified mail, return receipt requested, postage prepaid, in each case to the
address of the receiving party indicated on the signature page hereof, or at
such other address as may hereafter be furnished in writing by either party
hereto to the other. Such notice will be deemed to have been given as of the
date it is delivered, mailed or sent, whichever is earlier.

<PAGE>

requested, postage prepaid, in each case to the address of the receiving party
indicated on the signature page hereof, or at such other address as may
hereafter be furnished in writing by either party hereto to the other. Such
notice will be deemed to have been given as of the date it is delivered, mailed
or sent, whichever is earlier.

    11.8 Relationship of Parties. Netgateway and Subscriber are independent
contractors and this Agreement will not establish any relationship of
partnership, joint venture, employment, franchise or agency between Netgateway
and Subscriber. Neither Netgateway nor Subscriber will have the power to find
the other or issue obligations on the others' behalf without the other's prior
written consent, except as otherwise previously provided herein.

    11.9 Entire Agreement; Counterparts. This Agreement, including all documents
incorporated herein by reference, constitute the complete and exclusive
agreement between the parties with respect to the subject matter hereof, and
supercedes and replaces any and all prior or contemporaneous discussions,
negotiations, understandings and agreements, written and oral, regarding such
subject matter. This Agreement may be excuted in two or more counterparts, terms
of which will be deemed an original, but all of which together shall constitute
one and the same instrument.

Subscriber's and Netgateway's authorized representatives have read the foregoing
and all documents incorporated therein and agree and accept such forms effective
as of the date first above written.

SUBSCRIBER

Signature:   /s/ Anna T. Brannon
             -------------------------------------------

Print Name:  Anna T. Brannon
             -------------------------------------------

Title:       CEO
             -------------------------------------------

NETGATEWAY

Signature:   /s/ Donald M. Corliss, Jr.
             -------------------------------------------

Print Name:  Donald M. Corliss, Jr.
             -------------------------------------------

Title:       President
             -------------------------------------------

Signature:  ____________________________________________

Print Name: ____________________________________________

Signature:  ____________________________________________

Print Name: ____________________________________________

<PAGE>
                                  EXHIBIT "A"

                         eCOMMERCE SERVICES ORDER FORM

<PAGE>
                                   NETGATEWAY
                         ECOMMERCE SERVICES ORDER FORM

Subscriber Name: Leading Technologies, Inc. d/b/a Mall of Minority America.com,
                 Inc.
Form Date:       December 1, 1999
Form No.:        001

GENERAL INFORMATION:

1. By submitting this eCommerce Services Order Form ("Form") to Netgateway,
   Subscriber hereby places an order for the eCommerce Services described herein
   pursuant to the terms and conditions of the Electronic Commerce Services
   Agreement between Subscriber and Netgateway (the "ECS Agreement").

2. Billing, with the exception of Development Fees, will commence on the
   Operational Date set forth below or the date that Subscriber first begins to
   process transactions through the Netgateway Internet Commerce Center,
   whichever occurs first.

3. Netgateway will provide the eCommerce Services pursuant to the terms and
   conditions of the ECS Agreement, which incorporates this Form. The terms of
   this Form supersede, and by accepting this Form, Netgateway hereby rejects,
   any conflicting or additional terms provided by Subscriber in connection with
   Netgateway's provision of the eCommerce Services. If there is a conflict
   between this Form and any other Form provided by Subscriber and accepted by
   Netgateway, the Form with the latest date will control.

4. Netgateway will not be bound by or required to provide eCommerce Services
   pursuant to this Form or the ECS Agreement until each is signed by an
   authorized representative of Netgateway.

SUBSCRIBER HAS READ, UNDERSTANDS AND HEREBY SUBMITS THIS ORDER.

Submitted By: /s/ Anna Brannon        Operational Date: 12/3/99
              ----------------------                    ------------------------
              (Authorized Signature)

Print Name:   Anna Brannon
              ----------------------

Title:        CEO
              ----------------------

Netgateway Acceptance

/s/ Donald M. Corliss                 Date: 12/4/99
------------------------------------        ------------------------------------
(Authorized Signature)

<PAGE>

                                   NETGATEWAY
                         ECOMMERCE SERVICES ORDER FORM

Subscriber Name: Leading Technologies, Inc. d/b/a Mall of Minority America.com,
                 Inc.
Form Date:       December 1, 1999
Form No.:        001

Terms:

1. Project Specifications. A Phase II Statement of Work and Project
   Specifications for the eCommerce Services is annexed hereto as Schedule 1 and
   incorporated herein by this reference.

2. Development Timeline. Development of the eCommerce Services shall be
   completed on or before [redacted].

3. Development Fees. The development fees for the eCommerce Services shall be as
   set forth on the Phase II Statement of Work and Project Specifications
   annexed hereto as Schedule 1, and shall be payable in accordance with the
   terms set forth thereon.

4. Additional Fees. Additional fees, including without limitation, transaction
   fees, monthly mall administration fees, hosting fees and monthly merchant
   fees shall be as set forth on Schedule 1 hereto, and shall be paid in
   accordance with terms mutually agreed upon by the parties.

5. Publicity. Neither party shall make any public announcement of this Agreement
   or of the relationship they have entered into without the prior written
   consent of the other.

<PAGE>
                                              Deliverables -- Project Management
                                                               Statement of Work
--------------------------------------------------------------------------------

Phase II - Statement of Work                            Mall of Minority America

As part of this Statement of Work, Netgateway shall provide the following
deliverables:

Site Map:

                               [GRAPHIC OMITTED]

Home Page:
  o Page will have general information and links available to the public
  o Links to:
       * MOMA Corporate Web Site
       * WMBE/MBE Referral Services - Links to other services
       * Travel (external provider)
       * Legislative Updates - administered through the administration
         component of site
       * News - (external provider of information)
       * Information on becoming a MOMA member (buyers and sellers)
       * Training & Seminars Available - administered through admin component
       * About the Mall
  o General Links/Navigation will be at the top of the page (below MOMA logo)
    displayed as buttons
       * Buttons will be consistent throughout the entire site
  o Login to secured part of the site

                                      -1-
<PAGE>

                                              Deliverables -- Project Management
                                                               Statement of Work
--------------------------------------------------------------------------------

       * Must be a MOMA member to enter this area
       * Membership is approved by MOMA (off line)
       * Email sent to Member once membership is approved
  o Rotating Advertisement Banners
       * Ability to track click throughs on banners as revenue generating
         component
       * Rotation of ad banners
       * Ability to place priority/precedence of banners

Becoming a Member:
  o Access to a demonstration store
  o Information on how to become a member
  o Request membership - Sellers form & buyers form (2 types of forms)
       o Form will be mailed to MOMA address for review and approval
       o Seller Membership form must have ability to upload image of
         certification document
       o Buyers Membership form
       o Upon approval of application, email sent to new member with account
         information (manual process - managed through admin component)
  o Member will be billed based on the package selected
       o Payments will be processed automatically through the admin component
       o Duration based on package selected
       o Payment methods - Visa, MasterCard, American Express, Purchase Order
       o To use purchase order, member must fill out a credit application
         & be approved by MOMA
       o Free trial membership - for a given period of time
            * Default trial period for entire site
            * Ability to change trial period for each membership account
  o On Line Credit Application - for approval by MOMA

Member Login: (Secured Access Site):
  o Once membership has been approved, members can log into the mall to get to
    membership services area

Search/Advanced Search:
  o Ability to search merchant stores and products using:
       o SIC codes
       o Categories (defined by mall administrator - store owners use categories
         for products/store)
       o Type of ownership
       o Keyword - search for stores/products
  o Display search results
       o Sorted in Alpha order
       o Store name - link to store home page
       o Product name (if applicable) - link to product detail page in store
       o Type of ownership certification
       o SIC codes associated to store/merchant

                                      -2-
<PAGE>

                                              Deliverables -- Project Management
                                                               Statement of Work
--------------------------------------------------------------------------------

Personalization of Mall:
  o Integration of a 3rd party package to manage personalization (Trivida)
  o Need to define what personalization will look like

RFP/RFQ:
  o List of all active/current RFP's/RFQ's
  o Ability to search for RFP/RFQ by
       o SIC
       o Categories
       o Type of ownership
  o Ability to submit RFP/RFQ (buyers only)
  o Ability to respond to RFP/RFQ (sellers/merchants only)

Shopping Cart/Order Pipeline:
  o Shopping cart at mall level - not store specific
  o Ability to purchase items across stores
  o Ability to checkout using credit card, procurement card or purchase order
  o Ability to complete online credit card process
       o Send amount to store merchant account
  o Ability to send transaction fee to MOMA merchant account - process merchants
    credit for transaction fee
  o Ability to track orders on-line
       o Split order into multiple orders (based on merchant)
       o Customer/buyer only sees one order - only needs one order number
  o Ability for customer to enter billing address and separate shipping address
  o Ability to enter additional shipping information
  o Ability to specify shipping method
  o Ability to specific if a signature is required upon delivery

Store/Merchant Directory Listing
  o List of Minority Business that have store fronts within the Mall
  o Sorted in alpha order
  o Link to store front

Buyer Directory Listing
  o List of business that have buyer memberships
  o Sorted in alpha order

Mall Administration:
  o Multiple levels of security/access to administration area
       o Sellers administration of their individual store fronts
  o Transaction reporting/billing of sellers

                                      -3-
<PAGE>

                                              Deliverables -- Project Management
                                                               Statement of Work
--------------------------------------------------------------------------------

       o By Seller, ability to take a percent of the sales transaction at the
         time the transaction occurs
       o Percent can vary by seller
       o View Transactions Reporting
            * By Date
            * By Seller Specific
            * By SIC Code
            * By Minority Type
  o Payment Processing
       o Payment methods configurable by store
       o Ability to accept credit cards as payment methods
       o Ability to process credit card transactions on line
       o Ability to accept purchase orders
            * Question for Anna - if using a purchase order to buy products, how
              will MOMA get % of transaction. Do we charge Merchants credit card
              immediately?
       o Ability to use procurement cards - need more information on how to
         handle procurement cards
       o Ability to charge merchant for transaction (% that MOMA will take from
         the transaction) at the time the transaction occurs
  o Membership Management
       o Ability to manually approve membership applications
       o Ability to manually activate and deactivate members
       o Ability to manage membership addresses
       o Ability to allow specific buyers to use purchase orders or procurement
         cards - once they have been approved by MOMA administrator
       o All merchants/store owners must have merchant accounts and place a
         credit card on file for transactions
       o Order management
            * Ability to process orders on line
            * Ability to change status of order
            * Ability to enter shipping methods, tracking numbers, etc.
  o Management of stores
       o Ability for a merchant to manage store by adding, deleting products,
         managing product pricing, etc....
       o Ability for MOMA administrator to activate/deactivate a store - only
         MOMA administrator can activate stores
       o Ability to have multiple SIC codes associated to store/merchant
       o Ability to have multiple categories associated to store/merchant
       o Ability to have categories associated to the products
  o Ad Banner Management
       o Ability to add and delete advertisements
       o Ability to prioritize ad banners

                                      -4-
<PAGE>

                                              Deliverables -- Project Management
                                                               Statement of Work
--------------------------------------------------------------------------------

       o Ability to schedule an ad banner campaign - start and stop dates
         associated to activation of banner
       o Make ad banners a hot link to another site
       o Ability to track and report on click throughs for all banners
       o Integrate a 3rd party ad banner management package (like 24x7)
  o Manage Mall Categories - ability to add, delete, activate and deactivate
    categories for products and stores within the mall
  o Content Management
       o Assign Page to left navigation on Mall home
       o Indexing feature for link on left navigation
       o Add content specific to page
       o Add links to page
       o Add Images to Page
       o Manage the following pages:
            * WMBE/MBE Resources
            * Legislative Updates
            * Member News
            * Training & Services
            * Free Email - link to external provider of email services. Provider
              TBD
            * News - link to external provider of news services. Provider TBD
            * Travel - link to external provider of travel services. Provider
              TBD
            * About the Mall text on the Home page
            * Other

Auction Capability:
  o Customer/Seller/Buyer Auction
       o Ability for customers (sellers and buyers) to place products up for
         auction
       o Ability to define minimum bid for auction items
       o Ability to define the duration for auction item(s)
       o Ability to enter one product and have the quantity of items be one or
         many (unlimited number)
       o Ability to define the payment methods accepted for auction item -
         defined by customer placing item up for auction
       o Ability to use iEscrow as intermediary for auction item purchased
       o Ability to capture information about the customer placing the bid
       o Ability for customers to bid on products place up for auction
       o Ability to accept highest bid for product. If there is more than one
         available, accept the highest bids based on the number of available
         items
       o Ability to attach image/picture of auction item
  o Web Administration of Auctions
       o Ability to have sellers place products up for auction within their
         store administration
       o Ability to view bidding history
       o Email notification to highest bidders and owner of auction product at
         the end of the auction
       o Ability to manage auction products through the web administration site
            * Activate and deactivate auction products
            * Edit auction products

                                      -5-
<PAGE>

                                              Deliverables -- Project Management
                                                               Statement of Work
--------------------------------------------------------------------------------

COSTS:

The following development costs and other related costs shall be payable to
Netgateway. Development costs shall be due and payable as follows:

[redacted]

Project Development Costs Payable to Netgateway:

--------------------------------------------------------------------------------
                   Item                                             Cost
--------------------------------------------------------------------------------
Advanced Search Element - SIC codes, categories, type of
organization
----------------------------------------------------------
Auto Generate Membership
----------------------------------------------------------
Scheduler for 30 day free trial
----------------------------------------------------------
Auto Generate Billing
----------------------------------------------------------
Configurable Membership Packages
----------------------------------------------------------
Additional Payment methods - procurement cards &
purchase orders
----------------------------------------------------------
Mall Administration (including content management)
----------------------------------------------------------
Transaction Fee Splitting
----------------------------------------------------------
                                    Mall Development Cost       [redacted]
--------------------------------------------------------------------------------
                                 Auction Development Cost       [redacted]
--------------------------------------------------------------------------------
                                   Total Development Cost       [redacted]
--------------------------------------------------------------------------------
                                               [redacted]       [redacted]
--------------------------------------------------------------------------------
                                Phase II Development Cost       [redacted]
--------------------------------------------------------------------------------

Additional Development Costs Payable to Netgateway (excluded from estimate
above): All such amounts shall be agreed to by the parties in writing prior to
the commencement of any such development work by Netgateway:

--------------------------------------------------------------------------------
                   Item                                             Cost
--------------------------------------------------------------------------------
License Fee for email Services
    o Transaction fee (if applicable)                           [redacted]
--------------------------------------------------------------------------------
License Fee for Personalization Software
    o Transaction fee (if applicable)                           [redacted]
--------------------------------------------------------------------------------
License Fee (transaction fee) for other external services
listed above
    o Travel Services
    o News Services
    o Yellow/White Pages                                        [redacted]
--------------------------------------------------------------------------------
License Fee for Subscription to SIC and NAICS code
databases                                                       [redacted]
--------------------------------------------------------------------------------

                                      -6-
<PAGE>

                                              Deliverables -- Project Management
                                                               Statement of Work
--------------------------------------------------------------------------------

Other Costs Payable to Netgateway;

--------------------------------------------------------------------------------
                   Item                                           Cost
--------------------------------------------------------------------------------
Store Building (one time cost per Seller/Store)                [redacted]
--------------------------------------------------------------------------------
Monthly Mall Administration Fee - for
administrating ecommerce site (services to be
defined)                                                       [redacted]
--------------------------------------------------------------------------------
Minimum Mall Transaction Fee (Hosting Fee)                     [redacted]
--------------------------------------------------------------------------------
Transaction Fees                                  [redacted] of Mall of Minority
                                                  America [redacted] from
                                                  Sales Transactions
--------------------------------------------------------------------------------
Ad Banner Fees                                    [redacted] ad banner fees now.
                                                  To be renegotiated at a later
                                                  date if needed
--------------------------------------------------------------------------------
Membership Fees                                   [redacted] of Mall of Minority
                                                  America [redacted] from
                                                  Membership Fees for Sellers
                                                  brought in through Call Center
--------------------------------------------------------------------------------
Featured Sellers/Buyers                           [redacted] of Mall of Minority
                                                  America [redacted] from
                                                  Featured Spots Sold
--------------------------------------------------------------------------------

                                      -7-

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