Document:

EXHIBIT 10.5

                                IRREVOCABLE PROXY

                             ACCESSPOINT CORPORATION
                              a Nevada corporation

         CERTIFICATE NOS.                                     NUMBER OF SHARES

                      [NO.]                                      [X,XXX,XXX]
         (CERTIFICATE NO. SUBJECT TO REISSUANCE)

                                                      TOTAL:     [X,XXX,XXX]

         The undersigned,  [Name],  as holder of a total of [X] number of shares
of  voting   common   stock   ("Proxy   Shares")  of   Accesspoint   Corporation
("Corporation"), hereby revokes any previous proxies and appoints Net Integrated
Systems Ltd., a Bermuda corporation, or its designee ("NIS"), as proxy to attend
meetings  of  shareholders  of  the   Corporation  and  any   continuations   or
adjournments thereof and to represent, vote, execute consents, and otherwise act
for the  undersigned  in the same  manner  and with  the same  effect  as if the
undersigned  were  personally  present,  subject to the  restrictions  set forth
herein and in accordance with the express provisions set forth herein.

         This Proxy is made and given in  conjunction  with that certain loan or
credit facility by and between NIS, as lender, and the Corporation,  as borrower
("Loan")  and  shall be  irrevocable  so long as the  Secured  Loan  and  Pledge
Agreement and the Revolving Line of Credit Secured Promissory Note, or either of
them,  remains in force or the  undersigned has not made a call under that stock
option  agreement  between  the  undersigned  and  NIS.  This  Proxy is given in
consideration of an extension of credit by Net Integrated Systems Ltd. and shall
be irrevocable  as set forth above in accordance  with the provisions of Section
706(e)(3)  of the  California  Corporations  Code and Section  78.355(4)  of the
Nevada Revised Statutes.

         This  Proxy is  intended  to protect  NIS as a lender  and NIS,  as the
holder of this Proxy,  shall be authorized to vote the Proxy Shares,  by consent
or  otherwise,  without  restriction  or  limitation,   against  or  denying  or
disapproving  (as  "no"  vote)  the  sale of  assets,  liquidation,  bankruptcy,
suspension  of business,  merger,  reorganization  or other  disposition  of the
Corporation or its assets or business (or that of its  subsidiaries),  including
materially  changing the nature of business  conducted by the Corporation or its
subsidiaries.

         NIS,  as the  holder of this  Proxy,  shall  obtain  the prior  written
consent  of a  majority-in-interest  of  all  of  the  Proxy  grantors,  Tom  M.
Djokovich,  Alfred Urcuyo and James W. Bentley (and any trusts  associated  with
such  persons),  to vote or otherwise  act in favor of or  otherwise  approve (a
"yes"  vote),  by  consent  or  otherwise,  the  sale  of  assets,  liquidation,
bankruptcy,  suspension of business, merger, reorganization or other disposition
of the  Corporation  or its assets or  business  (or that of its  subsidiaries),
including   materially   changing  the  nature  of  business  conducted  by  the
Corporation or its subsidiaries,  the issuance of additional shares of or equity
ownership in the Corporation or its  subsidiaries (or warrants or options or any
other securities), any act which might cause dilution of the existing shares, of
any class or series,  of the Corporation or its  subsidiaries,  the amendment of

                                       1

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the Articles of Incorporation or Bylaws of the Corporation or its  subsidiaries,
the payment, either directly or indirectly, of any fee, compensation,  dividend,
or  distribution  to NIS or any of its officers,  members,  owners,  principals,
affiliates,  agents  or  representatives,  or  the  approval  of  any  contract,
transaction  or  arrangement  involving  any entity in which NIS,  or any of its
officers, members, owners, principals, affiliates, agents or representatives may
have any interest,  whether in the form of an ownership  interest or otherwise..
The Corporation shall not consider any attempted  contrary vote or consent to be
a valid vote or consent.  Notwithstanding the foregoing, the Proxy Shares may be
otherwise  voted in any  manner by the Proxy  holder not  inconsistent  with the
provisions of this Proxy.

         The voting  rights  granted  in this  Proxy are  subject to all SEC and
securities laws, rules, regulations and reporting and disclosure requirements to
the fullest extent  applicable to the Corporation as a reporting company (and to
its subsidiaries),  including,  but not limited to, shareholder voting and proxy
solicitation  rules.  Subject  to the  terms  of the  Secured  Loan  and  Pledge
Agreement,  title to the Proxy  Shares,  and  entitlement  to any  dividends and
distributions   associated  with  the  Proxy  Shares,   shall  remain  with  the
undersigned.

         This Proxy shall,  to the fullest  extent allowed by law, be construed,
interpreted and enforced in accordance with the laws of the State of California,
without regard to or  application of conflict of law rules,  and venue in regard
to any disputes  arising  hereunder shall, to the fullest extent allowed by law,
lie exclusively in Los Angeles County, California.

         The  undersigned  authorizes  the above Proxy holder to substitute  any
other person to act under this proxy,  to revoke any  substitution,  and to file
this Proxy and any substitution or revocation with the Corporation.

Dated: December 14, 2001

                                              By:/s/[NAME]
                                              ----------------------------------
                                              [Name]

Consented to and Accepted by:

Net Integrated Systems Ltd., a
Bermuda corporation

By:/s/WILLIAM R. BARBER
-----------------------------------------
William R. Barber, President

                                       2EXHIBIT 10.6

                            REVOLVING LINE OF CREDIT
                             SECURED PROMISSORY NOTE

                       Pursuant to Secured Loan Agreement

                                December 14, 2001

For  value  received,  the  undersigned,   ACCESSPOINT  CORPORATION,   a  Nevada
corporation, and PROCESSING SOURCE INTERNATIONAL, INC., a California corporation
(collectively,  "Maker"),  hereby  jointly and  severally  promise to pay to NET
INTEGRATED SYSTEMS LTD., a Bermuda  corporation,  ("Holder") at such place or to
such  other  party or parties  as Holder  may from time to time  designate,  the
principal  sum of all credit  extensions  hereunder  by Maker for the benefit of
Holder,  in lawful money of the United  States of America,  with interest at the
rate of six  percent  (6%) per  annum  for any  credit  extended  hereunder  and
actually drawn upon by Maker.  Maker shall make consecutive  monthly payments of
interest only hereunder  until the remaining  unpaid  principal  balance and all
unpaid interest are due and payable as set forth herein.

         Holder shall make credit  extension  advances under this Revolving Line
of Credit Secured  Promissory Note ("Note") from time to time in lawful money of
the United States of America upon the request of Maker pursuant to the terms and
conditions  set forth in this Note.  The  foregoing  shall  include,  but not be
limited to,  credit  extension  advances  to fund  monthly  operational  capital
requirements of Maker (including its subsidiaries).  These advances will be made
in the best  interests  of the  Maker  pursuant  to  directives  of the Board of
Directors of the Maker.

This Note shall represent a revolving  credit facility  against which Maker may,
subject to the terms,  conditions and provisions  herein set forth and set forth
in that certain Secured Loan Agreement of even date herewith by and among Maker,
as Borrower, and Holder, as Lender (the "Secured Loan Agreement"),  from time to
time,  make  credit  extension  advances  not to  exceed  the  cumulative  total
principal  sum of Five Million  Dollars  ($5,000,000.00)  in lawful money of the
United  States of America at any given  time,  repay all or part of the same and
make additional  credit  extension  advances and draw additional  credits not to
exceed  the face  amount  hereof at any given  time,  and  thereafter  repay the
principal and interest  outstanding  hereunder during the period ending upon the
written  demand of Holder,  or December 14, 2005,  or upon  material  default by
Maker hereunder,  whichever shall first occur.  Provided Maker is not in default
in the  performance of the terms of this Note or the Loan  Agreement,  Maker may
from time to time, upon at least three (3) Domestic  Business  Banking Days' (as
that term is  defined in the Loan  Agreement)  prior  written  notice to Holder,
transmitted  via  facsimile,  make  a  credit  extension  advance  draw  request
hereunder.  Maker shall  transmit  credit  extension  draw requests to Holder at
(310) 649-1156 with a copy to Holder at (310)  305-7182 or such other  facsimile
number(s) as Holder shall  designate in writing from time to time.  In the event
Holder elects to make the credit extension advance, or is otherwise obligated to
make a credit extension advance hereunder,  Holder shall attempt to cause a wire
transfer in said amount (or such lesser amount as Holder in its sole  discretion
may elect) to be initiated to the bank account or accounts  designated  for such
purposes by Maker no later than two (2) Domestic Business Days after the date of

                                      -1-

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the transmission of the request.  Credit extension advance draw requests must be
fully  transmitted  via facsimile  before 5:00 P.M.  Pacific  Standard Time; any
requests  transmitted  after that time on any calendar day shall be deemed to be
transmitted on the following Domestic Business Day.

If this Note is not paid when due, whether at maturity or by acceleration, Maker
promises  to pay  all  costs  of  collection,  including,  but not  limited  to,
attorneys' fees and costs.

Maker  expressly  waives  presentment,  protest and  demand,  notice of protest,
demand and dishonor  and  nonpayment  of this Note and all other  notices of any
kind,  and expressly  agrees that this Note, or any payment  thereunder,  may be
extended  from time to time without  affecting  the  liability of Maker.  To the
fullest  extent  permitted by law, the defense of the statute of  limitations in
any action on this Note is waived by the undersigned. The obligations undertaken
hereunder by Maker are joint and several.

No single or partial exercise of any power hereunder shall preclude any other or
further  exercise thereof or the exercise of any other power. The release of any
party liable under this Note shall not operate to release any other party liable
hereon.  The obligations of Maker hereunder shall be joint and several.  Time is
of the essence of this Note.

All  agreements  between  Maker and Holder are  expressly  limited so that in no
contingency  or event  whatsoever,  whether by  acceleration  of maturity of the
unpaid principal balance hereof or otherwise,  shall the amount, if any, paid or
agreed to be paid to Holder for the use,  forbearance  or detention of the money
to be advanced  hereunder  exceed the  highest  lawful  rate  permissible  under
applicable usury laws. If, for any circumstances whatsoever,  fulfillment of any
provision  hereof at the time  performance of such provision shall be due, shall
involve  transcending  the limit of validity  prescribed by law which a court of
competent  jurisdiction  may deem  applicable  thereto,  then  IPSO  FACTO,  the
obligation to be fulfilled  shall be reduced to the limit of such validity,  and
if from any  circumstances  Holder  shall ever  receive an amount which would be
excessive  interest,  the same shall be applied to the  reduction  of the unpaid
principal  balance  due  hereunder  and not to the  payment  of  interest.  This
provision  shall control  every other  provision of all  agreements  between the
undersigned and Holder.

This Note has been executed and  delivered in the State of California  and is to
be governed by and construed according to the laws thereof.  Venue in any action
arising  hereunder  shall lie exclusively in the City and County of Los Angeles,
California.

This Note is secured by, and subject to, the terms of the Secured Loan Agreement
(as set forth above) and a Pledge  Agreement of even date.  To the extent any of
the  provisions  of this  Note  may  conflict  with  those of the  Secured  Loan
Agreement, this Note shall control.

                                      -2-

<PAGE>

                                     MAKER:

                                     ACCESSPOINT CORPORATION, a Nevada
                                     corporation

                                     By:/s/TOM M. DJOKOVICH
                                     ------------------------------
                                     Tom M. Djokovich, CEO

                                     PROCESSING SOURCE INTERNATIONAL,
                                     INC., a California corporation

                                     By:/s/ALFRED URCUYO
                                     ------------------------------
                                     Alfred Urcuyo, President

                                      -3-

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