Document:

NETSCAPE SOFTWARE
                              FINANCIAL AGREEMENT
                                November 4, 1999

The following  software  products will be offered to  WordCruncher  for purchase
through the following financial agreement between the parties: WordCruncher, IBS
and Access  Graphics.  This  agreement  will be in effect  upon  software  order
placement and will conclude upon final payment made by WordCruncher.

1.   Netscape Software products to be purchased for $268,068.72.  Please see the
     IBS Quotation NAS201 dated 11/4/99.

2.   WordCruncher  will be  extended a 40-day net  purchase  arrangement  on the
     transaction.  WordCruncher  may  pay  prior  to net 30  and  receive  a 1-%
     discount on the invoice amount.  WordCruncher  has the option of paying any
     amount of money upon order.  The total amount  payable on the invoice after
     the 40-day period will carry a 1-% carry fee per 30-day period.

3.   WordCruncher  may  elect to pay the 1-%  carry  charge  for a  twelve-month
     period.  On or before the 12th month,  the total amount of the invoice must
     be paid in full.

4.   This transaction is final upon order.

Sun-Netscape Alliance Right To Use (RTU) Certificate of Authenticity

This  Certificate  of  Authenticity  is your  assurance  that you  have  legally
licensed from Sun Microsystems these products(s).

508028
Enduser Address:                             Enduser PO Number:  1059444
WORD CRUNCHER INTERNET TECHNOLOGIES          RTU Number:  US-1318042-0
DRAPER, UT 94020                             Issue Date:  November 17, 1999
Attn.:  MARTIN CRYER                         Effective Date:  November 17, 1999
                                             Expiration Date:  November 17, 2000

IT Support Contact:
         Name:  MARTIN CRYER
         Email:  MARTIN_CRYER@WORDCRUNCHER. COM
Tech Support Contact:
         Name:  MARTIN CRYER
         Email:  MARTIN_CRYER@WORDCRUNCHER. COM

Product Description                      Alliance Product Number        Quantity
--------------------------------------------------------------------------------
WEB SERVER ENT LICENSE                   IWEM9-400-9929                    4

WEB SERVER ENT MAINTENANCE               IWEM9-MNT-9929                    4

BRONZE MAINTENANCE KIT                   AMB99-MNT-99D9                    1

Customer  agrees to comply  with the terms of any license  agreement  or product
specific terms included in or with the above-referenced products.

Sun-Netscape Alliance Right To Use (RTU) Certificate of Authenticity

This  Certificate  of  Authenticity  is your  assurance  that you  have  legally
licensed from Sun Microsystems these products(s).

508028
Enduser Address:                             Enduser PO Number:  1063512
WORD CRUNCHER INTERNET TECHNOLOGIES          RTU Number:  US-1354753-0
405 EAST 12450 SOUTH                         Issue Date:  December 22, 1999
STE B                                        Effective Date:  December 22, 1999
DRAPER, UT 94020                             Expiration Date:  December 22, 2000
Attn.:  MARTIN CRYER

IT Support Contact:
         Name:  MARTIN CRYER
         Email:  MARTIN_CRYER@WORDCRUNCHER. COM
Tech Support Contact:
         Name:  MARTIN CRYER
         Email:  MARTIN_CRYER@WORDCRUNCHER. COM

Product Description                         Alliance Product Number     Quantity
--------------------------------------------------------------------------------
NETSCAPE APPLICATION SERVER LICENSE           NAS29-LCO-R999                8

NETSCAPE APPLICATION SERVER MAINTENANCE       NAS29-MNT-4999                8

Customer  agrees to comply  with the terms of any license  agreement  or product
specific terms included in or with the above-referenced products.

Sun-Netscape Alliance Right To Use (RTU) Certificate of Authenticity

This  Certificate  of  Authenticity  is your  assurance  that you  have  legally
licensed from Sun Microsystems these products(s).

508028
Enduser Address:                             Enduser PO Number:  ibs4005/1067674
WORD CRUNCHER INTERNET TECHNOLOGIES          RTU Number:  US-1384536-0
DRAPER, UT 94020                             Issue Date:  February 01, 2000
Attn.:  MARTIN CRYER                         Effective Date:  February 01, 2000
                                             Expiration Date:  February 01, 2001

IT Support Contact:
         Name:  MARTIN CRYER
         Email:  MARTIN_CRYER@WORDCRUNCHER. COM
Tech Support Contact:
         Name:  MARTIN CRYER
         Email:  MARTIN_CRYER@WORDCRUNCHER. COM

Product Description                     Alliance Product Number         Quantity
--------------------------------------------------------------------------------
UPGRADE SILVER TO GOLD                  AMG29-MNT-9989                    1

GOLD MAINTENANCE KIT                    AMG99-MNT-99D9                    1

Customer  agrees to comply  with the terms of any license  agreement  or product
specific terms included in or with the above-referenced products.

                          SUN MAJOR WORLDWIDE AGREEMENT
                                 SUN MAINTENANCE
                        (Sun-Netscape Alliance Software)

         BY CONTACTING SUN FOR TECHNICAL  SUPPORT THROUGH THE TELEPHONE NUMBER O
URL ADDRESS PROVIDED WITH THIS AGREEMENT OR BY DOWNLOADING ANY UPGRADES PROVIDED
WITH THIS AGREEMENT, THE INDIVIDUAL OR ENTITY WHO PURCHASED THE MAINTENANCE PLAN
(`CUSTOMER")  IS  CONSENTING  TO BE  BOUND  BY AND IS  BECOMING  A PARTY TO THIS
AGREEMENT.  IF  CUSTOMER  DOES NOT AGREE TO ALL OF THE TERMS OF THIS  AGREEMENT,
CUSTOMER  SHOULD NOT CONTACT SUN FOR SUPPORT OR DOWNLOAD  UPGRADES  AND PROMPTLY
CONTACT  CUSTOMER'S PLACE OF PURCHASE FOR CANCELLATION OF MAINTENANCE,  CUSTOMER
WILL  RECEIVE A REFUND OF ANY MONEY PAID ONLY IF CUSTOMER  CONTACTS THE PLACE OF
PURCHASE  TO CANCEL  CUSTOMER'S  MAINTENANCE  ORDER  WITHIN  THIRTY (30) DAYS OF
PURCHASE.  THIS AGREEMENT WILL BE VALID FOR ONE (1) YEAR FROM CUSTOMER'S DATE OF
PURCHASE ("MAINTENANCE PERIOD").

1. DEFINITIONS

     1.1  "End User" means each  individual  within each  corporation  or entity
          licensed to use Software  under Sun's  standard  Binary Code  License,
          which includes the Software product terms and conditions  accompanying
          the  Software  ("BCL").  If Software is licensed to be used to provide
          further services for individuals  outside of the corporation or entity
          licensing  the  Software,  regardless  if for a fee,  then "End  User"
          includes such individuals.

     1.2  "Errors"  means one or more  reproducible  deviations in the standard,
          unmodified  Software from the applicable  specifications  shown in the
          documentation.

     1.3  "Maintenance Option" means additional Maintenance Program features set
          forth in a Schedule that Customer may choose to purchase.

     1.4  "Maintenance  Period"  means  twelve (12) months from the  Maintenance
          Effective Date.

     1.5  "Maintenance Program" means the Sun program pursuant to which Customer
          may obtain technical support and maintenance  Services,  including any
          Maintenance  Options  for  which  Customer  has  paid  the  applicable
          Maintenance fee.

     1.6  "Maintenance Release" means a Software revision or patch that improves
          the  functionality  of Software that does not contain any new features
          or enhancements. A Maintenance Release is not an upgrade.

     1.7  "Schedule"  means the additional  terms applicable to each Maintenance
          Program,  which are incorporated herein,  including any optional terms
          set forth in  attachments  thereto.  The terms of a Schedule will take
          precedence  over any terms in this Exhibit to the extent that they are
          inconsistent.

     1.8  "Software"  means the  software  licensed by Customer  pursuant to the
          Software Exhibit.

     1.9  "SoftwareRelease"  means a release of Software  that is  designated by
          Sun in its sole  discretion by a change in the digit(s) to the left of
          the decimal point in the Software version number [(x).x.x].

     1.10 "Update"  means a release of Software that is designated by Sun in its
          sole discretion by a change in the digit(s) to the right of the tenths
          digit in the Software version number [x.x.(x)].

     1.11 "Upgrade"means  Updates,  Version Releases,  or Software Releases that
          Sun makes  generally  commercially  available  and  excludes  Software
          Releases or Software  designated by Sun as a separate  Software or new
          component.

     1.12 "Version  Release"  means a release of Software  that is designated by
          Sun in its sole  discretion  by a change  in the  tenths  digit in the
          Software version number [x.(x).x].

2.  TECHNICAL SUPPORT

     2.1  Sun will provide  back-end support to Customer for Errors not resolved
          by Customer pursuant to Customer's  support policies and in accordance
          herewith.

     2.2  Sun will provide  Customer  with a telephone  number that Customer may
          use to report  Errors  during  Sun  business  hours.  If stated in the
          Schedule for a particular  Maintenance  Program, Sun will also provide
          Customer with a website URL.

     2.3  Sun will make reasonable  efforts to correct  significant  Errors that
          Customer  identifies,  classifies  and  reports  to Sun and  that  Sun
          substantiates.  Sun may  reclassify  Errors if it reasonably  believes
          that Customer's classification is incorrect.

     2.4  Customer will provide  sufficient  information to Sun to enable Sun to
          duplicate the Error before Sun's response  obligations  will commence.
          Unless  otherwise  authorized  in  writing  by Sun,  Sun  will  not be
          required  to  correct  any Error  caused  by:  (i)  incorporation  of,
          attachment of a feature,  program,  or device to the Software,  or any
          part thereof, by Customer; (ii) any nonconformance caused by accident,
          transportation,   neglect,  misuse,   alteration,   modification,   or
          enhancement  of  the  Software  by or on  behalf  of  Customer;  (iii)
          Customer's failure to provide an installation  environment recommended
          for the Software;  (iv)  Customer's use of the Software for other than
          the  specific  purpose  for  which  the  Software  is  intended;   (v)
          Customer's use of the Software on any systems other than the specified
          hardware platform for such Software;  (vi) Customer's use of defective
          media or defective  duplication of the Software;  or (vii)  Customer's
          failure to incorporate any Maintenance Releases previously released by
          Sun which corrects such Error.

     2.5  Provided Error reports are received by Sun during Sun business  hours,
          Sun  will  use  reasonable  commercial  efforts  to  communicate  with
          Customer  about the Error,  via telephone  within the target  response
          times  specified  in  the  Schedule  for  the  applicable  Maintenance
          Program(s).

     2.6  Sun will use  reasonable  commercial  efforts  to  identify  defective
          source code and to resolve each significant  Error by providing either
          a  reasonable  workaround,  an object code patch or a specific  action
          plan for how Sun will  address the problem and an estimate of how long
          it will take to rectify the defect.

     2.7  Sun agrees to support a given revision,  to include Software Releases,
          Upgrades and Version Releases of the Software, for twelve (12) months.

     2.8  Sun may  subcontract  the provision of Services under any  Maintenance
          Program,  in which case Sun will remain primarily  responsible for the
          provision of such Services.

3.  MAINTENANCE RELEASES AND UPGRADES

     3.1  Provided that  Customer has paid the  applicable  Maintenance  Program
          fees,  Customer will be entitled to receive any  Maintenance  Releases
          and/or Upgrades made generally available during the Maintenance Period
          for the Software  licensed  from Sun by Customer  and covered  under a
          Maintenance Program.

     3.2  Provided  that  Customer  has  paid  for and has  current  Maintenance
          Program for Software Releases and Upgrades,  Customer will be entitled
          to all commercially  released major and minor Updates included in such
          Maintenance Program for the period thereof, regardless of whether such
          Updates  result from  independent  development  by Netscape or Sun, or
          joint development by the Sun-Netscape Alliance.

     3.3  Netscape   client  products  are  excluded  from  coverage  under  any
          Maintenance Program.

     3.4  Any  Upgrades  released  during the  Maintenance  Period shall be made
          available  on a  Sun-designated  web site  for  access  or  electronic
          download by Customer.  Sun shall register  Customer for such access or
          electronic  downloads,  and will provide Customer with instructions in
          writing or  electronically.  When a Maintenance  Release or Upgrade is
          available  for  access  or  download,  Sun will  issue  to an  address
          designated by Customer an  electronic  communication  indicating  such
          availability.

     3.5  Use  of  Software  Updates,   Version  Releases,   Software  Releases,
          Maintenance  Releases and Upgrades is governed by the  applicable  BCL
          obtained with the original Software.

4.  TERM AND TERMINATION

     4.1  This  Maintenance  Exhibit  will  come  in  force  on the  Maintenance
          Effective Date and,  unless earlier  terminated by either party as set
          forth below, remain in effect for a period of one (1) year.

     4.2  Prior to the expiration of the current term, Sun may invoice  Customer
          for annual renewal of the Maintenance  Program  pursuant to the terms,
          conditions,  and pricing then in effect.  If Customer does not wish to
          renew the Maintenance Program,  Customer must contact Sun prior to the
          expiration  of the  current  term in  order  to  decline  the  renewed
          Maintenance Program.

     4.3  Reinstatement  of a lapsed  Maintenance  Program  is  subject to Sun's
          then-current  Services  reinstatement  fees in  effect on the date the
          reinstatement of Services is ordered.

     4.4  Either party may terminate this Maintenance Agreement: (i) immediately
          upon  written  notice to the other party of a  non-remediable  breach;
          (ii) immediately,  upon written notice to the other party if the other
          party fails to cure a remediable  breach not involving  non-payment of
          amounts due within thirty (30) days of being  notified of such breach;
          (iii) by thirty  (30) days'  written  notice to the other party in the
          event that no Maintenance  Program is in effect under this Maintenance
          Exhibits;  or (iv)  immediately,  upon written  notice to the party to
          which  termination  for cause of any other Exhibit to the Master Terms
          is imputed.

     4.5  Each  party   waives  and   releases  the  other  from  any  claim  to
          compensation   or  indemnity   related  to  the  permitted  or  lawful
          termination  of  the  business  relationship  established  under  this
          Exhibit.  However,  terminated  shall not  affect  the right of either
          party to  receive  or  recover:  (i)  damages  sustained  by reason of
          material  breach of this  Maintenance  Exhibit by the other party;  or
          (ii) any  payments  which  may then be owing  under  the terms of this
          Maintenance Exhibit.

5. PRICE AND LICENSE FEES

     5.1  Prices   and   license   fees  for   Maintenance   Programs   will  be
          non-refundable  and based on the applicable Sun Price List at the time
          Customer places an order. Payment will be made in US Dollars.

     5.2  Customer may place  written  purchase  orders for renewal or different
          Maintenance  Program  provided that each purchase  order  contains the
          following:  (i) the Agreement number; (ii) the name of the Maintenance
          Program;  (iii) the service  fees and charges  therefor;  (iv) bill to
          address  (if  different);  and (v) the names and  email  addresses  of
          Customer's technical liaisons.

     5.3  Sun reserves the right to charge Customer additional technical support
          fees  at its  then  standard  rates  for  technical  support  services
          performed  in  connection   with  reported   Errors  which  are  later
          determined  to have been due to hardware or software  not  supplied by
          Sun or caused by any of the items set forth in Section 2.4 (i)-(vii).

     5.4  Sun's service  offerings are continually  evolving.  Accordingly,  Sun
          reserves  the  right to make  Maintenance  Program  substitutions  and
          modifications  at any  time  that do not  cause a  materially  adverse
          effect on overall service performance.

6. CUSTOMER OBLIGATIONS

     6.1  Customer,and  not Sun,  will be  responsible  for,  and will  bear all
          expenses  associated with,  providing  front-line  technical  support,
          Maintenance  Releases,  and Upgrades to its End Users.  Until Customer
          has paid Sun the annual  Services fee for an End User,  Customer shall
          not be entitled to provide Maintenance Releases and/or Upgrades to any
          End User or use any  back-end  support  received  from Sun to  provide
          front-line technical support to such End User.

     6.2  Customer must comply with all  trouble-shooting and technical database
          procedures relevant to an Error prior to contacting Sun.

     6.3  Customer must  establish and maintain a procedure  external to systems
          for reconstruction of lost or altered files, data or programs.

     6.4  Customer agrees to use reasonable commercial efforts to answer its End
          Users' support  questions.  Customer's  technical liaisons who contact
          Sun for technical support must have sufficient technical expertise for
          Customer  to perform  its  obligations  hereunder.  Only the  Customer
          technical  liaisons  identified  to Sun will contact Sun for technical
          support and notify Sun in writing or  electronically of changes in the
          technical liaisons.

     6.5  Customer agrees that any information or  documentation  distributed by
          Customer to its End Users will  clearly and  conspicuously  state that
          End Users should call Customer for technical support for the Software.

     6.7  Sun will have no obligation to furnish any assistance,  information or
          documentation with respect to the Software,  directly to End Users. If
          Sun  customer  support   representatives  are  being  contacted  by  a
          significant  number of Customer's End Users then,  upon Sun's request,
          Customer and Sun will cooperate to minimize such contact.

7.  INSURANCE

     7.1  If the Maintenance  Program Customer has purchased  includes provision
          of onsite support by Sun or Netscape at Customer's  location,  Sun and
          Netscape shall each be responsible, at their expense, for securing and
          maintaining  Worker's  compensation  insurance in accordance  with the
          local laws  applicable to such onsite  support.  If Sun or Netscape is
          permitted  by state law to be a  self-insurer,  they may  maintain the
          equivalent of such insurance.

     7.2  Sun and Netscape  further agree to be  responsible,  at their expense,
          for securing and maintaining adequate  Comprehensive General Liability
          insurance  for claims for damages  based on bodily  injury  (including
          death) and property damage caused by or arising from acts or omissions
          of their respective employees.

8. ADDITIONAL LIMITATIONS

In no event will any entity  working with Sun on the  development  and supply of
any  Upgrades  or  services  or part  thereof by liable  under the terms of this
Agreement.

<PAGE>

                                   SCHEDULE A
             TERMS FOR GOLD, SILVER AND BRONZE MAINTENANCE PROGRAMS

Customer  may select  one or more of the  following  Maintenance  Program in its
purchase  order.  Customer's  purchase  order must  indicate  which  Maintenance
Program is being  purchased.  Working  hours and working days are defined by the
Sun office delivering the Maintenance Program.

1. Gold Maintenance Program

     1.1  Customer may use the telephone number and web site URL provided by Sun
          to request  support.  Customer may submit Priority 1 problems only, 24
          hours a day, 7 days a week. For Priority 1 problems,  Customer  agrees
          to notify Sun via telephone.

     1.2  Customer  Contacts:  Customer  will identify 4 members of its customer
          support  staff,  per 8 hour  shift,  to act as the  primary  technical
          liaisons  responsible  for all  communications  with  Sun's  technical
          support representatives.

     1.3  Customer will designate,  in writing and/or e-mail to Sun, its list of
          liaisons  within 1 week after  Sun's  receipt of  Customer's  purchase
          order,  and may substitute  contacts at any time by providing 1 week's
          prior written and/or electronic notice thereof to Sun.

     1.4  Working hours in the U.S. and Canada are 5:00 a.m. to 5:00 p.m. (PST).
          Priority  1 working  hours are  identified  in  subsection  1.1 above.
          Working  hours  outside the U.S. and Canada vary with the location and
          office.

     1.5  The following target response times will apply:
<TABLE>
<CAPTION>
Priority    Failure Description                                                        Initial Target
                                                                                       Response Time
----------------------------------------------------------------------------------------------------------
<S>         <C>                                                                        <C>
1           Enterprise Critical (Production Server or application is not functioning)  1 business hours
2           Severe Impact (Software inconsistency causes significantly decreased       4 business hours
            Customer productivity, such as periodic work stoppages or feature
            crashes)
3           Degraded Operations (Software inconsistency causes slightly impaired       Next business day
            Customer productivity, but Customer can work around problem)
4           Minimal Impact (Requests for minor changes such as documentation           Next business days
            updates, cosmetic defects or feature enhancements)
</TABLE>

2.  Silver Maintenance Program

     2.1  Customer may use the telephone number and web site URL provided by Sun
          to request technical support.

     2.2  Customer  Contacts:  Customer  will identify 2 members of its customer
          support  staff,  per 8 hour  shift,  to act as the  primary  technical
          liaisons  responsible  for all  communications  with  Sun's  technical
          support representatives.

     2.3  Customer will designate,  in writing and/or e-mail to Sun, its list of
          liaisons  within 1 week after  Sun's  receipt of  Customer's  purchase
          order,  and may substitute  contacts at any time by providing 1 week's
          prior written and/or electronic notice thereof to Sun.

     2.4  Working hours in the U.S. and Canada are 5:00 a.m. to 5:00 p.m. (PST).
          Working  hours  outside  the U.S.  and Canada vary with  location  and
          office.

     2.5  The following target response times will apply:
<TABLE>
<CAPTION>
Priority     Failure Description                                                        Initial Target
                                                                                        Response Time
--------------------------------------------------------------------------------------------------------
<S>          <C>                                                                        <C>
1            Enterprise Critical (Production Server or application is not functioning)  4 business hours
2            Severe Impact (Software inconsistency causes significantly decreased       8 business hours
             Customer productivity, such as periodic work stoppages or feature
             crashes)
3            Degraded Operations (Software inconsistency causes slightly impaired       Next business day
             Customer productivity, but Customer can work around problem)
4            Minimal Impact (Requests for minor changes such as documentation           2 business days
             updates, cosmetic defects or feature enhancements)
</TABLE>

3.  Bronze Maintenance Program

     3.1  Customer may use the telephone number and web site URL provided by Sun
          to request technical support.

     3.2  Customer  Contacts:  Customer  will identify 2 members of its customer
          support  staff,  per 8 hour  shift,  to act as the  primary  technical
          liaisons  responsible  for all  communications  with  Sun's  technical
          support representatives.

     3.3  Customer will designate,  in writing and/or e-mail to Sun, its list of
          liaisons  within 1 week after  Sun's  receipt of  Customer's  purchase
          order,  and may substitute  contacts at any time by providing 1 week's
          prior written and/or electronic notice thereof to Sun.

     3.4  Working hours in the U.S. and Canada are 8:00 a.m. to 5:00 p.m. (PST).
          Working  hours  outside of the U.S. and Canada vary with  location and
          office.

     3.5  The following target response times will apply:
<TABLE>
<CAPTION>

Priority     Failure Description                                                        Initial Target
                                                                                        Response Time
---------------------------------------------------------------------------------------------------------
<S>          <C>                                                                        <C>
1            Enterprise Critical (Production Server or application is not functioning)  6 business hours
2            Severe Impact (Software inconsistency causes significantly decreased       Next business day
             Customer productivity, such as periodic work stoppages or feature
             crashes)
3            Degraded Operations (Software inconsistency causes slightly impaired       Next business day
             Customer productivity, but Customer can work around problem)
4            Minimal Impact (Requests for minor changes such as documentation           2 business days
             updates, cosmetic defects or feature enhancements)
</TABLE>ORACLE Credit Corporation                                Payment Plan Agreement

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

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

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

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

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

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

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

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

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

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

Contact:                                  Executed by Oracle Credit Corporation:
Phone:     (801) 816-9904                 By:
Order:                    dated           Name:
Agreement:                dated           Title:
PPA No.:                  dated
                                          Payment Schedule Effective Date:

System                                    Payment Schedule:
------                                    Payment Amount       Due Date:
Software:        $136,512.00              1 @ $76,954 Due at signing
Support:         $120,000.00 one year     4 @ $49,069 Due 01-Feb-00, 01-May-00,
Education:                                             01-Aug-00 and 01-Nov-00
Consulting:
Other:                                    Five (5) payments due as set
                                          forth above.

System Price:    $265,512.00

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

   Alliance Member/Agent:  Integrated Business Solutions
   Address:                505 East 200 South Suite 401 Salt Lake City, UT 84102
   Contact:                Deborah Hoffler    Phone:       (801) 328-4567

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

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

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

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

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