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                                                                    EXHIBIT 10.2

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                         FORM OF DOMESTIC BANK AGREEMENT

                    INDEPENDENT SALES ORGANIZATION AGREEMENT

                                     BETWEEN

                          ORBIS DEVELOPMENT, INC. (ISO)

                                       AND

                             [NAME OF DOMESTIC BANK]

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                                TABLE OF CONTENTS

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I.  Definitions............................................................................................1

II.  ISO's Obligations.....................................................................................2

         2.1 Responsibilities of ISO.......................................................................2
         2.2 Merchant Losses...............................................................................3
         2.3 Audits........................................................................................3
         2.4 Information...................................................................................4
         2.5 Ownership of Merchant Relationships/Agreements................................................4

III.  BANK's Responsibilities..............................................................................4

         3.1 BANK's Responsibilities.......................................................................4

IV.  Settlement and Payment................................................................................4

         4.1 Clearing Account..............................................................................4
         4.2 Merchant Fees.................................................................................4
         4.3 BANK Fees.....................................................................................4
         4.4 Transfer Account..............................................................................5
         4.3 Settlement Procedures.........................................................................5

V.  Third Party Requirements...............................................................................5

         5.1 Visa/MasterCard Requirements..................................................................5

VI.  Representations and Warranties and Confidentiality....................................................6

         6.1 Representations and Warranties................................................................6
         6.2 Representations and Warranties Regarding Merchants............................................6
         6.3 Confidentiality...............................................................................7

VII. Indemnification.......................................................................................7

VIII. Term, Termination, Default...........................................................................8

         8.1 Term..........................................................................................8
         8.2 Termination...................................................................................8
         8.3 Default.......................................................................................8
         8.4 Certain Post-Termination Rights...............................................................8

IX.  Names and Trademarks..................................................................................9

         9.1 Names.........................................................................................9
         9.2 Visa/MasterCard Trademarks....................................................................9

X.  General................................................................................................9

         10.1 Assignability; Sale or Merger of the Parties.................................................9
         10.2 Notice......................................................................................10
         10.3 Master Agreement............................................................................10
         10.4 Entire Understanding, Amendment.............................................................10
         10.5 Severability................................................................................10
         10.6 No Waiver of Rights.........................................................................10
         10.7 Successors and Assigns......................................................................10
         10.8 Applicable Law..............................................................................10
         10.9 Independent Business Entities...............................................................10
         10.10 Construction...............................................................................11
         10.11 Force Majeure..............................................................................11
         10.12 Survival...................................................................................11
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                    INDEPENDENT SALES ORGANIZATION AGREEMENT

This Independent Sales Organization Agreement (Agreement) is made on
___________________, 2001 by and between ORBIS DEVELOPMENT, INC, a Nevada
corporation with offices at 313 Elks Point Road, Zephyr Cove, Nevada 89448
(ISO), and Domestic Bank, a national banking association with offices at
[ADDRESS OF DOMESTIC BANK] (BANK).

                                    RECITALS

BANK is a member of Visa and MasterCard. ISO markets credit and debit card
processing services to merchants. BANK wishes ISO to act as its agent in
providing merchant services to Merchants, in respects consistent with this
agreement. ISO desires to provide to those merchants certain services relating
to credit card processing through BANK. Therefore, the parties agree as follows:

                                 I. DEFINITIONS

The following terms when used in this Agreement will have the meanings set forth
in this Section:

ACTIVE ACCOUNT shall mean a Merchant from which a monthly fee(s) for processing
is collected.

ASSOCIATION means Visa, MasterCard, and any successor organization.

CHARGEBACK means a transaction that has been presented to either the cardholder
or the issuer of the Credit Card and for which payment to BANK has been refused
or reversed in accordance with the Rules.

CLEARING ACCOUNT shall mean an account maintained by BANK at a Federal Reserve
Bank or any other institution selected by BANK for the purpose of processing
credit card transactions for Approved Merchants pursuant to Merchant Agreements
and this Agreement.

CONFIDENTIAL INFORMATION means information owned by each party including, but
not limited to, technical or nontechnical data, a formula, pattern, compilation,
program, device, method, technique, parts list, schematic, drawing, process,
financial data, or list of actual or potential customers or suppliers which: (I)
derives economic value, actual or potential, from not being generally known to
other persons who can obtain economic value from its disclosure or use; and (ii)
is the subject of efforts that are reasonable under the circumstances to
maintain its secrecy or confidentiality.

CREDIT CARD means a valid and unexpired card issued by, and bearing the symbols
of, Visa or MasterCard, Diners, Card Blanche, Discover, American Express and
certain other private label users that may be identified from time to time.

CREDIT POLICIES AND PROCEDURES means the criteria and procedure by which ISO
determines the creditworthiness and suitability of the Merchant as approved by
the Bank.

EVENT OF DEFAULT means the events listed in Section 8.3.

MASTERCARD means MasterCard International, Inc.

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MERCHANT means a business that has entered into a Merchant Agreement and to
which ISO provides services under this Agreement.

MERCHANT AGREEMENT means the written contracts required by BANK to be entered
into by an ISO Merchant to enable the Merchant to participate in the Merchant
Program.

MERCHANT LOSS means any loss incurred by BANK for any reason attributable to a
Merchant, including but not limited to losses due to the fraudulent practices of
a Merchant and uncollected Merchant fees.

MERCHANT PROGRAM means the package of services offered by BANK which enables a
Merchant to make sales to persons presenting credit cards and which permits the
Merchant to present Sales Drafts to BANK for payment and processing.

RETRIEVAL means the production of the original, or an acceptable copy of, a
Sales Draft, credit voucher or other supporting documentation by a Merchant.

RULES means the written regulations and procedures issued by Visa and
MasterCard, as amended from time to time.

SALES DRAFT means the written form or electronic format used in consummating
credit card sales transactions charged to the account of a Merchant's customer.

TRANSACTION means any event involving the purchase by a cardholder of goods or
services from a Merchant, by use of a Credit or Debit Card.

TRANSFER ACCOUNT shall mean an account at BANK that is established and
maintained by, and in the name of, ISO to allow BANK to deposit funds over and
above fees due BANK.

VISA means Visa U.S.A., Inc.

                              II. ISO'S OBLIGATIONS

2.1      RESPONSIBILITIES OF ISO: ISO will perform the following
         responsibilities:

         A.   Locate, investigate and submit Merchants qualified for Merchant
              Program participation consistent with agreed upon underwriting
              standards stated in the Credit Policies and Procedures.

         B.   Assist Merchants in completing all documentation required for the
              Merchant Program, perform site inspections, and evaluate potential
              Merchants.

         C.   Train Merchants on the procedures and Rules necessary to
              participate in the Merchant Program.

         D.   Input all data necessary to set up new Merchants, and maintain
              Merchants' account data.

         E.   Respond to Merchants' inquiries.

         F.   Handle all Chargebacks and Retrievals in accordance with the
              Rules.

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         G.   Sell or lease to Merchants' point of sale devices and other
              equipment necessary to participate in the Merchant Program, and
              install and train Merchants on the use of point of sale devices
              and other equipment.

         H.   Sell, distribute and deliver all Merchant supplies.

         I.   Provide access to Merchant data.

         J.   Withhold or redirect settlement funds, as required by Visa or
              MasterCard.

         K.   Submit to BANK Merchant fees to be charged as determined by ISO.
              Merchant fees will be lawful under all applicable laws and
              regulations.

         L.   Establish Credit Policies and Procedures as approved by BANK. Any
              changes in Credit Policies and Procedures shall be subject to
              approval by BANK. BANK shall not unreasonably withhold approval of
              the Credit Policies and Procedures created and submitted by ISO.
              ISO and BANK agree that they will not in establishing and
              approving Credit Card Policies and Procedures discriminate against
              any person or business as prohibited in applicable federal and
              state laws and regulations that have the force of law.

2.2      MERCHANT LOSSES. All Merchant Losses (charge backs) incurred by BANK
         for any reason, unless such loss is proximately caused by the
         negligence of BANK, will be borne by ISO.

         ISO will establish a reserve account to fund the payment of transaction
         charge backs with an initial contribution of [STATE DOLLAR AMOUNT]
         ($,000.00) prior to processing any Transactions with BANK and will
         thereafter contribute at the rate of [STATE RATE] basis points (.000x)
         multiplied by the dollar volume of Visa or MasterCard sales drafts
         processed by Merchants until the reserve account is equal to [STATE
         DOLLAR AMOUNT]($,000.00). ISO will at all times after 90 days of the
         contract's inception or prior to the processing of the first
         Transaction with BANK, whichever comes first, maintain a minimum
         balance of [STATE DOLLAR AMOUNT]($,000.00) balance in the reserve
         account. BANK is authorized to deduct from the monies due ISO the
         amounts specified herein and to place those monies in the reserve
         account in accordance with this paragraph. Monies may be deducted from
         the reserve account only for the payment of Merchant charge backs. BANK
         will notify ISO of any deductions from the reserve account and
         deductions will be taken from ISO's reserve account only if funds are
         not available from Transfer Account. ISO shall have sixty (60) days in
         which to eliminate any charge back before BANK will deduct the amount
         of the charge back from ISO's reserve account. This reserve account
         will be an interest bearing account, with interest paid based upon the
         rate paid on the BANK basic checking account. ISO hereby grants BANK a
         security interest in the Reserve Account to secure all of ISO's
         obligations to BANK under this Agreement. This Agreement shall serve as
         the Security Agreement and MSI agrees to execute and deliver to BANK
         all financing statements and other documents determined by BANK to be
         necessary or appropriate for the perfection and maintenance of such
         security interest.

2.3      AUDITS. BANK, Visa, MasterCard and regulatory agencies may at any time
         conduct financial and procedural audits of ISO to confirm compliance
         with this Agreement, the Rules, applicable law and the safety and
         soundness under which ISO performs its duties hereunder. ISO will
         promptly supply such auditors with information requested by them. BANK
         will have the right to have an independent audit of ISO's operations,
         at BANK'S expense. ISO shall cooperate with BANK and its auditors in
         the performance of all audits and shall not be entitled to
         reimbursement from BANK for its personnel.

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2.4      INFORMATION. ISO shall provide the Merchant records and information
         required by BANK in its ISO Credit Policy and Procedures which is
         incorporated herein by reference. ISO will make available Merchant
         records as soon as possible, but no later than seven (7) business days
         from the receipt of any request from BANK or any regulatory agency. ISO
         shall provide BANK quarterly financial statements within thirty (30)
         days after the end of each calendar quarter.

2.5      OWNERSHIP OF MERCHANT RELATIONSHIP/AGREEMENTS. All right, title and
         interest in the Merchant relationship/Agreements is owned by ISO.

                          III. BANK'S RESPONSIBILITIES

3.1      BANK'S RESPONSIBILITIES.  BANK will:

         A.   Accept ISO's Merchants in the Merchant Program consistent with the
              agreed upon underwriting standards stated in the Credit Policies
              and Procedures as they may be changed from time to time by mutual
              agreement between ISO and BANK.

         B.   Establish Merchant fees for Visa, Master Card or other credit card
              transactions as determined by ISO.

         C.   Sponsor ISO as an independent sales organization for Visa and as a
              member service provider for MasterCard.

         D.   Provide ISO with all applicable Rules.

         E.   Provide ISO with access to information contained in the Visa
              interchange directory, as amended from time to time.

         F.   Enter into Merchant Agreements with Merchants and ISO.

                           IV. SETTLEMENT AND PAYMENT

4.1      CLEARING ACCOUNT. BANK shall establish and maintain the Clearing
         Account during the term of this Agreement. ISO shall have no right,
         title or interest in the Clearing Account or any funds on deposit
         therein.

4.2      MERCHANT FEES. Each month BANK will debit Merchants ss. settlement
         accounts for the amount of Merchant fees in accordance with the
         periodic information supplied by ISO or third party processor.

4.3      BANK FEES. Each month BANK will compute and deduct its fees as set
         forth on Exhibit A, Pricing, from the Merchant fee received with the
         balance to be remitted to ISO. BANK monthly will deliver to ISO a
         statement detailing the computations used by BANK in arriving at the
         compensation.

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4.4      TRANSFER ACCOUNT

         A.   ISO shall establish and maintain the Transfer Account at BANK
              during the term of this Agreement to facilitate the making of all
              payments due to BANK and ISO hereunder.

4.5      SETTLEMENT PROCEDURES

         A.   BANK shall utilize the Clearing Account to settle each Merchant
              Account in accordance with the terms of the applicable Merchant
              Agreement, remitting to each Merchant, by ACH or other acceptable
              method, all receipts due to such Merchant after first deducting
              from such receipts all applicable fees and charges. BANK shall by
              ACH deduct the monthly fees charged Merchant by ISO and remit same
              to ISO.

         B.   BANK shall by the 15th day of each month credit ISO's Transfer
              with all monies collected from ISO Merchant for ISO ss.s fees and
              other charges for the previous month's merchant fees and charges.

         V. THIRD PARTY REQUIREMENTS

5.1      VISA/MASTERCARD REQUIREMENTS

               A. Registration. ISO will register with MasterCard as a Member
               Service Provider, will enter into a Member Service Provider
               agreement with MasterCard. ISO also will register as an
               Independent Sales Organization with Visa. Any associated fees
               from either MasterCard or Visa will be the responsibility of the
               ISO. All MasterCard or Visa fees incurred as a result of
               Transactions generated by Merchants of ISO will be the
               responsibility of ISO.

               B. Fines. ISO will reimburse BANK within seven (7) days for any
               fines imposed upon BANK due to noncompliance on the part of ISO
               with any of the Rules.

               C. Locations. ISO has disclosed and will continue to disclose to
               BANK the cities in which ISO has sales offices.

               D. Priority of Rules. BANK and ISO agree that, in the event of
               any inconsistency between this Agreement and any Rules, the Rules
               will apply.

               E. Rule Compliance. ISO acknowledges that it has received,
               understands, and that it agrees to comply fully with all
               applicable Rules.

               F. No Delegation. ISO will not delegate any of its rights or
               obligations under this Agreement to any other person or entity,
               however ISO may have third parties perform its obligations under
               this contract.

               G. MasterCard Rights. ISO agrees that MasterCard has the right,
               either in law or in equity, to enforce any provision of the Rules
               and to prohibit ISO conduct that creates a risk of injury to
               MasterCard or that may adversely affect the integrity of
               MasterCard systems, information, or both. ISO will refrain from
               taking any action that would have the effect of interfering with
               or preventing an exercise of such right by MasterCard.

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               H. Merchant Fee Disclosure. All merchant fees must be clearly and
               conspicuously disclosed to the Merchant in writing prior to any
               payment or application.

               I. ISO must promptly volunteer a name or title of and telephone
               number for an employee of BANK upon request of a Merchant or if
               ISO is unable or unwilling to respond to a Merchant question.

             VI. REPRESENTATIONS AND WARRANTIES AND CONFIDENTIALITY

6.1.     REPRESENTATIONS AND WARRANTIES. Each party represents and warrants to
         the other that:

               A. Good Standing. ISO is a corporation authorized, validly
               existing and in good standing under the laws of the State of
               Nevada, and has its principal processing office located in the
               State of Florida. BANK is a national banking association.

               B. Full Authority. ISO and BANK have full authority and corporate
               power to enter into this Agreement and to perform its obligations
               under this Agreement.

               C. No Violation. ISO's and BANK'S performance of this Agreement
               will not violate any applicable law or regulation or any
               agreement to which it may now or hereafter be bound.

               D. Enforceability. This Agreement represents a valid obligation
               of the parties and is fully enforceable against it according to
               its terms.

               E. Compliance. ISO and BANK will comply with the terms of this
               Agreement, with the Rules, and with all applicable state and
               federal laws and regulations.

               F. No Litigation. ISO and BANK and their officers and directors
               are not a party to any pending litigation that will affect the
               performance of this Agreement.

6.2      REPRESENTATIONS AND WARRANTIES REGARDING MERCHANTS

         ISO to the best of its knowledge hereby represents and warrants to BANK
         as to each Merchant under the Merchant Program the following:

         A.   The information submitted on the Merchant is complete, true and
              accurate;

         B.   The material terms of the Merchant Agreement have not been
              impaired, waived, altered or modified in any respect except by
              written instrument contained with the Merchant Agreement agreed to
              by BANK;

         A.   No instrument or waiver, alteration or modification has been
              executed and no one has any rights of rescission, setoff,
              counterclaim or defenses against ISO, which has been asserted or
              which may be asserted with respect to a Merchant or the Merchant
              Program;

         A.   All fees, expenses and charges under the Merchant Program have
              been fully disclosed and there are no obligations or requirements
              as to the completion of any advancement of funds or payments under
              the Merchant Agreements, the Merchant Program or with any
              Merchant;

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         A.   ISO has done a reasonable background check on each of its
              representatives and Merchants and submits that each Merchant has a
              good reputation for honesty and integrity and ISO knows of no
              wrongful actions and proprieties or other information which would
              be material and should be disclosed to BANK;

         A.   ISO has no knowledge of any circumstances or conditions with
              respect to any actions or credit issues which can reasonably be
              expected to cause an adverse effect on the Merchant Program or
              BANK;

         A.   Except as may be fully disclosed, no officer or director of ISO
              has knowledge of any claims or claims to have any interest in the
              property, real, personal, tangible, or intangible or any
              contractor commitment or any other interest with respect to any
              Merchants and the Merchant Program;

         A.   ISO submits that no representations or warranties made in this
              Agreement or any Schedule or Exhibit attached or Certificate
              delivered contains or will contain any untrue statement of
              material fact or omit any material fact necessary in order to make
              the statement contained therein not misleading.

6.3      CONFIDENTIALITY. ISO and BANK each agree that it will retain in
         strictest confidence the Confidential Information and all information
         and data belonging to or relating to the business of the other party
         (including without limitation information related to Merchants), and
         that each party will safeguard such information and data by using the
         same degree of care and discretion that it uses to protect its own
         confidential information. No party will use the other party's
         Confidential Information for its own benefit other than for the
         purposes contemplated by this Agreement, nor will it allow any third
         party to use such information. ISO will limit access to the MasterCard
         systems to only those ISO employees with a need to have access to carry
         out the responsibilities of this Agreement. ISO will use MasterCard
         information identified or reasonably understood to be confidential or
         proprietary solely to perform its duties on behalf of BANK and not for
         its own use. ISO will implement reasonable and appropriate safeguards
         to prevent unauthorized access to such systems.

                              VII. INDEMNIFICATION

         ISO agrees to indemnify, hold harmless and defend BANK, its directors,
         officers and employees from any and all claims, damages, liabilities,
         lawsuits and expenses (including without limitation attorney's fees
         that the BANK may sustain or incur as a result of any negligence,
         wrongful acts, misrepresentations or misconduct by ISO or any actions,
         omissions, or misconduct arising or related to any Merchant or any
         untrue or misleading representation or warranty by ISO, provided
         however that BANK shall not be indemnified against any claims, damages,
         liability, lawsuits and expenses arising out of or resulting from
         BANK'S own willful or reckless misconduct)

         BANK agrees to indemnify, hold harmless and defend ISO, its directors,
         officers and employees from any and all claims, damages, liabilities,
         lawsuits and expenses (including without limitation attorney's fees
         that the ISO may sustain or incur as a result of any negligence,
         wrongful acts, misrepresentations or misconduct by BANK or any actions,
         omissions, or misconduct arising or related to any Merchant or any
         untrue or misleading representation or warranty by BANK, provided
         however that ISO shall not be indemnified against any claims, damages,
         liability, lawsuits and expenses arising out of or resulting from ISO'S
         own willful or reckless misconduct)

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                        VIII. TERM, TERMINATION, DEFAULT

8.1      TERM. This Agreement will become effective on the Effective Date, and
         will remain in effect for a period of two (2) years from the Effective
         Date (Initial Term). This Agreement will automatically renew for two
         (2) year periods (Renewal Term) unless terminated earlier in accordance
         with the provisions of this Agreement.

8.2      TERMINATION. Notwithstanding the above, the parties will have the
         following rights.

               A. Automatic Termination. This Agreement will automatically
               terminate if: (i) Visa or MasterCard prohibits ISO from
               providing, or prohibits BANK from allowing ISO to provide, the
               services set forth in this Agreement, or (ii) BANK is no longer a
               member of MasterCard or Visa.

               B. Termination For Cause. Any party may terminate this Agreement
               upon the occurrence of an Event of Default.

8.3      DEFAULT. Each of the following occurrences will constitute an Event of
         Default under this Agreement:

               A. Nonpayment. Any party fails to pay the other when due any
               undisputed amount due under this Agreement and such failure
               continues for a period of seven (7) business days after written
               notice has been sent to the non-paying party.

               B. Financial Instability. Any party: (i) files for bankruptcy,
               receivership, insolvency, reorganization, dissolution,
               liquidation or any similar proceeding, (ii) has a proceeding
               instituted against it and such proceeding is not dismissed within
               60 days, (iii) makes an assignment for the benefit of its
               creditors or an offer of settlement, extension or composition to
               its creditors generally; or (iv) a trustee, conservator, receiver
               or similar fiduciary is appointed for that party or substantially
               all of that party ss.s assets; or (v) any significant or material
               negative change in the financial condition of a party that the
               other party reasonably deems itself insecure.

               C. False Representation. Any representation or warranty made by a
               party or any of its employees, officers, or directors proves to
               have been knowingly false or misleading in any material respect
               as of the date made.

               D. Breach. Either party fails to observe any material obligation
               specified in this Agreement, and such failure is not cured within
               thirty (30) days of receipt of written notice thereof from the
               non-breaching party.

8.4      CERTAIN POST-TERMINATION RIGHTS. No termination of this Agreement will
         affect any right of ISO with regard to Merchant Agreements. Upon
         termination for any reason, BANK will fully cooperate in, either
         assigning the Merchant Agreements to another Visa/MasterCard member, or
         remaining a party to any or all Merchant Agreements, in which case the
         BANK will be released of all liability.

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                            IX. NAMES AND TRADEMARKS

9.1      NAMES. All correspondence, materials and/or oral solicitations directed
         by ISO to customers, or produced by any third party, concerning
         BANK ss. - programs must prominently identify BANK by its name and the
         city in which BANK is located. BANK shall have the right to review and
         approve all materials in which BANK's name is identified.

9.2      VISA/MASTERCARD TRADEMARKS. ISO acknowledges that MasterCard and Visa
         are the sole owners of their trademarks. ISO will not contest the
         ownership of such marks, and Visa or MasterCard may at any time and
         immediately without advance notice prohibit ISO from using its marks
         for any reason. ISO may not use the Visa or MasterCard trademarks on
         any material unless BANK ss. - name and city location are prominently
         printed adjacent to the trademark. All material that uses the Visa or
         MasterCard trademarks must clearly identify ISO as BANK'S agent or
         representative. ISO may only use the trademarks owned by Visa,
         MasterCard in accordance with the Rules. Solicitation material used by
         ISO must clearly disclose that any Merchant Agreement will be between
         the Merchant, ISO and BANK. ISO may not use any MasterCard mark on its
         own behalf in furtherance of providing Merchant services, nor suggest
         or imply that it is a member or an authorized representative of
         MasterCard, or that MasterCard endorses ISO.

                                   X. GENERAL

10.1     ASSIGNABILITY; SALE OR MERGER OF THE PARTIES.

               A. Assignment. ISO may not assign or delegate this Agreement or
               the Merchant Agreements without the prior written consent of
               BANK, provided that such consent shall not be unreasonably
               withheld and any unauthorized assignment will be null and void.

                Any dispute concerning withholding consent to assignment shall
               be settled through arbitration pursuant to the Uniform
               Arbitration Act. The parties shall mutually select an arbitrator
               from a panel of arbitrators on the Alternative Dispute Resolution
               panel of the American Arbitration Association.

               BANK may not assign its rights under this Agreement or any
               Merchant Agreement without the express consent of ISO provided
               that such consent shall not be unreasonably withheld and any
               unauthorized assignment will be null and void.

               B. Purchase. Any person, firm, partnership or corporation that
               enters into a purchase, merger, asset purchase or stock exchange
               agreement with the BANK will be bound by this Agreement.

               Any person, firm, partnership or corporation that enters into a
               purchase, merger, asset purchase or stock exchange agreement with
               the ISO will be bound by this Agreement. ISO will give BANK one
               hundred twenty (120) days advance notice of any purchase, merger,
               asset purchase or stock exchange agreement.

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10.2     NOTICE. All communications under this Agreement will be in writing and
         will be delivered in person or by mail, return receipt requested, or
         courier, addressed to the addresses set forth in the opening paragraph
         of this Agreement, to the attention of:

         ISO:

         BANK:

         The parties may, from time to time, designate different persons or
         addresses to which subsequent communications will be sent by sending a
         notice of such designations in accordance with this Section.

10.3     MASTER AGREEMENT. This terms and conditions of this Agreement shall
         prevail and shall be deemed to be the terms and conditions of all other
         Agreements between ISO and BANK, both prior and subsequent, when there
         is a conflict between the terms and conditions of this Agreement and
         any other agreement between ISO and BANK, either prior or subsequent.

10.4     ENTIRE UNDERSTANDING, AMENDMENT. This Agreement, including the attached
         Exhibit which is incorporated by reference, sets forth the entire
         understanding of the parties relating to its subject matter, and all
         other understandings, written or oral, are superseded. Except as
         otherwise provided in this Agreement, this Agreement may not be amended
         except in writing executed by both parties.

10.5     SEVERABILITY. If any provision of this Agreement is illegal, the
         invalidity of such provision will not affect any of the remaining
         provisions, and this Agreement will be construed as if the illegal
         provision is not contained in the Agreement. This Agreement will be
         deemed modified to the extent necessary to render enforceable its
         provisions, and to comply with the Rules.

10.6     NO WAIVER OF RIGHTS. No failure or delay on the part of any party in
         exercising any right under this Agreement will operate as a waiver of
         that right, nor will any single or partial exercise of any right
         preclude any further exercise of that right.

10.7     SUCCESSORS AND ASSIGNS. This Agreement will inure to the benefit of and
         will be binding upon the parties and their respective permitted
         successors and assigns. This Agreement will not be deemed to be for the
         benefit of any third party.

10.8     APPLICABLE LAW. The Agreement will be deemed to be a contract made
         under the laws of the State of Ohio, and will be construed in
         accordance with those laws. The parties agree that venue and
         jurisdiction shall be in the federal or state courts located in
         Cincinnati, Hamilton County, Ohio.

10.9     INDEPENDENT BUSINESS ENTITIES. BANK and ISO will be deemed to be
         independent business entities and will not be considered to be servant,
         joint venture or partner of the other.

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10.10    CONSTRUCTION. The headings used in this Agreement are inserted for
         convenience only and will not affect the interpretation of any
         provision. All sections mentioned in the Agreement reference section
         numbers of this Agreement. The language used will be deemed to be the
         language chosen by the parties to express their mutual intent, and no
         rule of strict construction will be applied against any party.

10.11    FORCE MAJEURE. Neither party will be liable to the other for any
         failure or delay in its performance of this Agreement in accordance
         with its terms if such failure or delay arises out of causes beyond the
         control and without the fault or negligence of such party.

10.12    SURVIVAL. All agreements that by their context are intended to survive
         the termination of this Agreement, including but not limited to the fee
         provisions of Article IV, representations and warranties and
         confidentiality provisions of Article VI, and the post-termination
         rights of Section 8.4, will survive termination of this Agreement.

         ISO                                                  BANK

By:     _______________________________  By:     _______________________________

Name:   _______________________________  Name:   _______________________________

Title:  _______________________________  Title:  _______________________________

Date:   _______________________________  Date:   _______________________________

                                       13
<PAGE>   14

                                    EXHIBIT A

                                     PRICING

                                       14<PAGE>   1
                                                                    EXHIBIT 10.3

                      FORM OF INTERNATIONAL BANK AGREEMENT

                           (MERCHANT ACCOUNTS SERVICES

                            AND REFERRALS AGREEMENT)

                                 BY AND BETWEEN

                          [NAME OF INTERNATIONAL BANK]

                                       AND

                   [NAME OF INTERNATIONAL BANK'S SALES AGENT]

                                       AND

                             ORBIS DEVELOPMENT INC.

                      DATED ________________________, 2001

<PAGE>   2
                           MERCHANT ACCOUNTS SERVICES
                             AND REFERRALS AGREEMENT

This Merchant Accounts Services and Referrals Agreement is made this _____ day
of _____________, 2000 between [NAME OF INTERNATIONAL BANK] hereinafter referred
to as "BANK") a [JURISDICTION] Corporation of [ADDRESS OF BANK], [NAME OF BANK'S
SALES AGENT] (hereinafter referred to as "BANK'S AGENT") a [JURISDICTION]
Corporation of [ADDRESS OF BANK'S AGENT], and ORBIS DEVELOPMENT INC.
(hereinafter referred to as "ORBIS") a Nevada Corporation of P.O. Box 10919,
Zephyr Cove, Nevada 89448, USA,.

                                    RECITALS

WHEREAS:

   A.    BANK is duly authorized by Visa International Inc. (hereinafter
         referred to as "VISA") and MasterCard International Inc. (hereinafter
         referred to as "MasterCard") to provide merchant services to businesses
         accepting credit cards issued under the VISA or MASTERCARD programmes.

   A.    BANK provides Internet Merchants with Merchant Accounts thereby
         enabling them to settle the proceeds of their credit card transactions.

   B.    BANK'S AGENT has an exclusive agreement with BANK with respect to
         BANK's Credit Card Acquiring Programme and provides all co-ordination
         required to enable and facilitate the provision by BANK of credit card
         transaction services to its customers.

   A.    BANK'S AGENT may from time to time subcontract some of its duties to
         ORBIS for the purposes of this agreement.

   A.    BANK'S AGENT is a provider of services to Banks and to Internet
         Merchants and receives inquiries and applications from Merchants
         desirous of establishing Merchant Accounts whereby they can settle the
         proceeds of their credit card transactions.

   A.    ORBIS is a provider of services to Banks and to Internet Merchants and
         receives inquiries and applications from Merchants desirous of
         establishing Merchant Accounts whereby they can settle the proceeds of
         their credit card transactions.

   A.    BANK will accept referrals, from BANK'S AGENT and or ORBIS, of those
         Merchants desirous of obtaining Merchant Accounts.

                                       -1-

<PAGE>   3

NOW THEREFORE THE PARTIES HEREBY AGREE AS FOLLOWS:

                                    ARTICLE 1
                                   DEFINITIONS

The following definitions apply to the terms set forth below when used in this
Agreement:

1.1      "Agreement" shall mean this Merchant Accounts Services and Referrals
         Agreement as amended from time to time including any Exhibits attached
         hereto from time to time.

1.2      "Interchange" means the contracts, agreements, rules, regulations,
         procedures and costs governing the relationships between, or the
         actions in accordance with the contracts, agreements, rules,
         regulations and procedures by, any two or more Entities in connection
         with the Interchange Settlement.

1.3      "Interchange Settlement" means the process by which BANK (a) initiates
         payment for MASTERCARD and VISA Transaction Card Tickets, (b) receives
         payment for MASTERCARD and VISA Transaction Card Tickets, and (c)
         remits and receives payments for charge backs and other Interchange
         fees and expenses.

1.4      "MASTERCARD" means MasterCard International Inc. or its successors or
         assigns.

1.5      "Merchant" means an entity that has the right to acquire or otherwise
         acquires a Transaction Card Ticket as payment for goods, services, or
         otherwise.

1.6      "Merchant Account" means an arrangement between BANK and a Merchant by
         which BANK, has agreed to provide Merchant processing services for that
         Merchant.

1.7      "Merchant Settlement Services" means providing for payment to
         businesses of charges created by the holders of credit cards by VISA or
         MASTERCARD and all related services.

1.8      "Term" is defined in Section 4.1 of this Agreement.

1.9      "Transaction Card" means a payment card issued pursuant to a license
         from MASTERCARD, VISA or any other card issuing organization with which
         BANK has a relationship that permits processing of accounts.

                                       -2-

<PAGE>   4

1.10     Transaction Card Ticket" means a record (whether paper, magnetic,
         electronic or otherwise) which is created to evidence the use of a
         Transaction Card as payment for goods, services, cash advances or
         otherwise or for a credit or refund or otherwise.

1.11     "VISA" means VISA International Inc. or its successors or assigns.

1.12     "Basis point" means one hundredth (1/100th) of one (1) per cent.

1.13     "All Other Revenue" means the revenue derived from services related to
         the settlement of credit card transactions including but not limited to
         Scrubbing, Transactions, Retrievals and Chargebacks and the amount by
         which the Merchant Discount Rate exceeds [STATE RATE AS %].

1.11     "All Other Net Income" means the net income derived from services
         related to the settlement of credit card transactions including but not
         limited to Scrubbing, Transactions, Retrievals and Chargebacks and the
         net amount by which the Merchant Discount Rate exceeds [STATE RATE AS
         %].

                                    ARTICLE 2
                               PROCESSING SERVICES

1.1.1    In order to facilitate the processing of Credit Card Transactions for
         Merchants sourced by the parties to this agreement BANK agrees to enter
         into a "Processing Services Agreement" with [NAME OF PROCESSOR]
         (hereinafter referred to as "PROCESSOR").

2.2      BANK will communicate with VISA and MASTERCARD with respect to
         appointing PROCESSOR as an additional Processor thereby providing
         PROCESSOR with a VISA BIN and or a MASTERCARD ICA.

                                    ARTICLE 3
                             PAYMENT TO THE PARTIES

3.1      BANK shall charge its Merchants for Merchant Settlement Services a fee
         known as the Merchant Discount Rate

3.2      The Standard Merchant Discount Rate shall be [STATE RATE AS %] of the
         amount of each transaction.

                                       -3-

<PAGE>   5

3.3      The rate can be increased or decreased based on the market forces
         prevailing from time to time. However the minimum that BANK will charge
         a merchant is [STATE RATE AS %] unless mutually agreed to in writing by
         all the parties to this agreement.

3.4      If BANK sources a Merchant BANK will set the rate to be charged subject
         to 3.3 above.

3.5      If BANK'S AGENT refers a Merchant to BANK, BANK'S AGENT will propose
         the rate to be charged subject to 3.3 above.

3.6      If ORBIS refers a Merchant to BANK, ORBIS will propose the rate to be
         charged subject to 3.3 above.

3.7      If BANK sources a Merchant the Merchant Discount Rate charged shall be
         divided between the parties as follows:

         (i)      BANK shall be entitled to [STATE NUMBER] basis points of the
                  Standard Merchant Discount Rate of [STATE RATE AS %]. The
                  balance of the Merchant Discount Rate remaining after the
                  Interchange Rate has been paid shall be divided among the
                  parties as follows:

                  BANK shall receive
                  BANK'S AGENT shall receive
                  ORBIS shall receive

         (i)      If the rate charged is lower than the Standard Merchant
                  Discount Rate BANK shall be entitled to a sum equal to [STATE
                  NUMBER] basis points) of the Standard Merchant Discount Rate
                  less [STATE RATE AS %] of the amount by which the rate charged
                  is reduced below the Standard Merchant Discount Rate. The
                  balance of the Merchant Discount Rate remaining after the
                  Interchange Rate has been paid shall be divided among the
                  parties as follows:

                  BANK shall receive
                  BANK'S AGENT shall receive
                  ORBIS shall receive

3.8      If BANK'S AGENT refers a Merchant to BANK the Merchant Discount Rate
         charged shall be divided among the parties as follows:

                                       -4-

<PAGE>   6

         (i)      BANK shall be entitled to [STATE NUMBER] basis points) of the
                  Standard Merchant Discount Rate [STATE RATE AS %]. The balance
                  of the Merchant Discount Rate remaining after the Interchange
                  Rate has been paid shall be divided as follows:

                  BANK'S AGENT shall receive
                  ORBIS shall receive

         (i)      If the rate charged is lower than the Standard Merchant
                  Discount Rate BANK shall be entitled to a sum equal to [STATE
                  NUMBER] basis points of the Standard Merchant Discount Rate
                  less thirty per cent [STATE RATE AS %] of the amount by which
                  the rate charged is reduced below the Standard Merchant
                  Discount Rate. The balance of the Merchant Discount Rate
                  remaining after the Interchange Rate has been paid shall be
                  divided as follows:

                  BANK'S AGENT shall receive
                  ORBIS shall receive

3.9      If ORBIS refers a Merchant to BANK the Merchant Discount Rate charged
         shall be divided between the parties as follows:

         (i)      BANK shall be entitled to [STATE NUMBER] basis points of the
                  Standard Merchant Discount Rate [STATE RATE AS %]. The balance
                  of the Merchant Discount Rate remaining after the Interchange
                  Rate has been paid shall be divided as follows:

                  ORBIS shall receive
                  BANK'S AGENT shall receive

         (i)      If the rate charged is lower than the Standard Merchant
                  Discount Rate BANK shall be entitled to a sum equal to [STATE
                  NUMBER] basis points of the Standard Merchant Discount Rate
                  less [STATE RATE AS %] of the amount by which the rate charged
                  is reduced below the Standard Merchant Discount Rate. The
                  balance of the Merchant Discount Rate remaining after the
                  Interchange Rate has been paid shall be divided as follows:

                  ORBIS shall receive
                  BANK'S AGENT shall receive

                                       -5-

<PAGE>   7

3.10     All Other Net Income shall be divided as follows:

         (i)      If BANK sources a Merchant BANK shall receive [STATE RATE AS
                  %], BANK'S AGENT shall receive [STATE RATE AS %], and ORBIS
                  shall receive [STATE RATE AS %].

         (ii)     If BANK'S AGENT refers a Merchant to BANK, BANK'S AGENT shall
                  receive [STATE RATE AS %], BANK will receive [STATE RATE AS
                  %], and ORBIS shall receive [STATE RATE AS %].

         (i)      If ORBIS refers a Merchant to BANK, ORBIS will receive[STATE
                  RATE AS %], BANK will receive [STATE RATE AS %], and BANK'S
                  AGENT will receive [STATE RATE AS %].

                                   ARTICLE 4
                                TERM OF AGREEMENT

4.1      TERM. This Agreement is effective from the date hereof and shall remain
         in effect until (xx years) (the "Term").

                                    ARTICLE 5
                                 REPRESENTATIONS

1.1 BANK'S REPRESENTATIONS.

         BANK represents and warrants that:

         (a)      It is a corporation validly organized and existing under the
                  laws of [STATE JURISDICTION].

         (b)      It has full power and authority under its organizational
                  documents and the laws of [STATE JURISDICTION] to execute and
                  deliver this Agreement and to perform its obligations
                  hereunder;

         (c)      It has by proper action duly authorized the execution and
                  delivery of this Agreement and when validly executed and
                  delivered this Agreement shall constitute a legal, valid and
                  binding agreement of BANK enforceable in accordance with its
                  terms; and

         (d)      The execution and delivery of this Agreement and the
                  consummation of the transaction herein contemplated does not
                  conflict in any material respect with or constitute a material
                  breach or material default under its organizational documents
                  or under the terms and conditions of any documents, agreements
                  or other writings to which it is a party.

                                       -6-

<PAGE>   8

1.1 BANK'S AGENT'S REPRESENTATIONS.

         BANK'S AGENT represents and warrants that:

         (a)      It is a corporation validly organized and existing under the
                  laws of the [STATE JURISDICTION].

         (a)      It has full power and authority under its organizational
                  documents and the laws of the [STATE JURISDICTION] to execute
                  and deliver this Agreement and to perform its obligations
                  hereunder;

         (c)      It has by proper action duly authorized the execution and
                  delivery of this Agreement and when validly executed and
                  delivered this Agreement shall constitute a legal, valid and
                  binding Agreement of BANK'S AGENT enforceable in accordance
                  with its terms; and

         (d)      The execution and delivery of this Agreement and the
                  consummation of the transaction herein contemplated does not
                  conflict in any material respect with or constitute a material
                  breach or material default under its organizational documents
                  or under the terms and conditions of any documents, agreements
                  or other writings to which it is a party.

5.3      ORBIS' REPRESENTATIONS.

         ORBIS represents and warrants that:

         (a)      It is a corporation validly organized and existing under the
                  laws of the State of Nevada, USA.

         (b)      It has full power and authority under its organizational
                  documents and the laws of the State of Nevada, USA, to execute
                  and deliver this Agreement and to perform its obligations
                  hereunder;

         (c)      It has by proper action duly authorized the execution and
                  delivery of this Agreement and when validly executed and
                  delivered this Agreement shall constitute a legal, valid and
                  binding Agreement of ORBIS enforceable in accordance with its
                  terms; and

          (d)     The execution and delivery of this Agreement and the
                  consummation of the transaction herein contemplated does not
                  conflict in any material respect with or constitute a material
                  breach or material default under its organizational documents
                  or under the terms and conditions of any documents, agreements
                  or other writings to which it is a party.

                                       -7-

<PAGE>   9

                                    ARTICLE 6
                                  MISCELLANEOUS

6.1      ASSIGNMENT. Except as otherwise provided herein, the rights and
         obligations of BANK, and BANK'S AGENT and ORBIS under this Agreement
         are personal and not assignable by any of the parties, either
         voluntarily or by operation of law, without the prior written consent
         of the other parties, which consent shall not be unreasonably withheld.
         Subject to the foregoing, all provisions contained in this Agreement
         shall extend to and be binding upon the parties hereto or their
         respective successors and permitted assigns.

6.2      RELATIONSHIP OF PARTIES. Nothing contained in this Agreement shall be
         deemed or construed by any of the parties, or by any third party, to
         create the relationship of partnership or joint venture between the
         parties hereto, it being understood and agreed that neither the method
         of computing compensation nor any other provision contained herein
         shall be deemed to create any relationship between the parties hereto
         other than the relationship of independent parties contracting for
         services.

6.3      NOTICE. All notices which any of the parties may be required or desire
         to any of the other parties shall be in writing and shall be given by
         personal service, telecopy, registered mail or certified mail (or its
         equivalent), or overnight courier to any of the other parties at their
         respective addresses or telecopy telephone numbers set forth below.
         Mailed notices and notices by overnight courier shall be deemed to be
         given upon actual receipt by the party to be notified. Notice delivered
         by telecopy shall be confirmed in writing by overnight courier and
         shall be deemed to be given upon actual receipt by the party to be
         notified.

If to BANK

         ______________________
         ______________________
         Attn:  _______________
         Telecopy Number:  __________

If to BANK'S AGENT

         ______________________
         ______________________
         Attn:    _____________
         Telecopy Number:  ____________

If to ORBIS

         ______________________
         ______________________
         Attn:    _____________
         Telecopy Number:  ___________

A party may change its address or addresses set forth above by giving the other
parties notice of the change in accordance with the provisions of this section.

                                       -8-

<PAGE>   10

A party may change its address or addresses set forth above by giving the other
parties notice of the change in accordance with the provisions of this section.

6.4      HEADINGS. The section headings in this Agreement are solely for
         convenience and shall not be considered in its interpretation. The
         recitals set forth on the first page of this Agreement are incorporated
         into the body of the Agreement. The Exhibits referred to throughout
         this Agreement are attached to this Agreement and are incorporated into
         this Agreement. Unless the context clearly indicates, words used in the
         singular include the plural, words in the plural include the singular
         and "including" means "including but not limited to".

6.5      WAIVER. The failure of any of the parties at any time to require
         performance by any of the other parties of any provisions of this
         Agreement shall not affect in any way the full right to require the
         performance at any subsequent time. The waiver by any of the parties of
         a breach of any provision of this Agreement shall not be taken or held
         to be waiver of the provision itself. Any course of performance shall
         not be deemed to amend or limit any provision of this Agreement.

6.6      FORCE MAJEURE AND RESTRICTED PERFORMANCE. If performance by any of the
         parties of any service or obligation under this Agreement is prevented,
         restricted, delayed or interfered with by reason of labor disputes,
         strikes, acts of god, floods, lightning, severe weather, shortages of
         materials, rationing, utility or communication failures, failure of
         MasterCard or VISA, failure or delay in receiving electronic data,
         earthquakes, was, revolution, regulation, ordinance, demand or
         requirement having legal effect of any government or any judicial
         authority or representative of any such government, or any other act or
         omission whatsoever, whether similar or dissimilar to those referred to
         in this clause, which are beyond the reasonable control of any of the
         parties, as the case may be, then any of the parties, as the case may
         be, shall be excused from the performance to the extent of the
         prevention, restriction, delay or interference.

                                       -9-

<PAGE>   11

6.7      SEVERABILITY. If any provision of this Agreement is held invalid or
         unenforceable for any reason, the invalidity shall not affect the
         validity of the remaining provisions of this Agreement, and the parties
         shall substitute for the invalid provisions a valid provision which
         most closely approximates the intent and economic effect of the invalid
         provision.

6.8      ENTIRE AGREEMENT. This Agreement, including Exhibits, sets forth all of
         the promises, agreements, conditions and understandings between the
         parties respecting the subject matter hereof and supersedes all
         negotiations, conversations, discussions, correspondence, memorandums
         and agreements between the parties concerning the subject matter. This
         Agreement may not be modified except by a writing signed by authorized
         representatives of all the parties to this Agreement. This Agreement
         may be executed in any number of counterparts, each of which shall be
         deemed an original but all of which together shall constitute one and
         the same instrument.

1.9      GOVERNING LAW. This agreement shall be governed by the laws of [STATE
         JURISDICTION OF INTERNATIONAL BANK] whose Courts shall have exclusive
         jurisdiction in interpretation of the same or in determining any
         dispute or matter relating to this agreement.

IN WITNESS WHEREOF, the parties to this agreement have caused it to be executed
by their duly authorize officers as of the day and year first written above.

                                      By:______________________________________
                                          Print Name: _________________________
                                          Its: ________________________________

                                      By: _____________________________________
                                           Print Name: ________________________
                                           Its: _______________________________

                                      By: _____________________________________
                                           Print Name: ________________________
                                           Its: _______________________________

                                      -10-

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