Document:

Exhibit 10.6

                 RESELLER AGREEMENT - ONLINE FINANCIAL SERVICES

         THIS RESELLER  AGREEMENT  ("Agreement")  is made and entered into as of
this _____ day of December, 2000 ("Effective Date"), by and between

         University Bank, a Michigan banking corporation ("UB"); and

         Digital  Commerce  Merchant  Services  Inc.,  a  Delaware   corporation
("DCMS"), D.B.A. as "thatbank.com".

         For the purposes of this Agreement,  UB and DCMS are sometimes referred
to individually as "Party" and collectively together as "Parties".

         RECITALS:

     A.   Whereas  the  UB is a  Michigan  state  licensed  banking  corporation
          providing banking and other financially  related services by itself or
          through  affiliates,  primarily  through  its  offices  in Ann  Arbor,
          Michigan,   with  the  capability  of  providing  online  banking  and
          financial services.

     B.   Whereas DCMS has extensive  knowledge and  experience  concerning  the
          delivery and sale of online payment processing solutions and financial
          service products  ("Products") and markets  financial service products
          to businesses and provides  support services related to such financial
          service products.

     C.   DCMS wishes to market the Bank's  online  banking  services  and other
          products offered by the Bank and its affiliates, and wishes to be paid
          a referral fee for marketing said services.

     D.   UB desires to market the Products  offered by DCMS and its affiliates,
          and wishes to be paid a referral fee for marketing said services.

     E.   DCMS is an independent contractor, not an employee or agent of UB, and
          is entitled to none of the benefits accorded UB employees.

     F.   UB is an independent contractor, not an employee or agent of DCMS, and
          is entitled to none of the benefits accorded DCMS employees.

         NOW THEREFORE,  in  consideration  of the mutual promises  contained in
this Agreement and of the mutual benefit to be derived under this Agreement, the
Parties agree as follows:

          Article I
          Definitions

     1.01 Products.  Products  shall mean the  individual  or  bundled  services
          provided by UB or DCMS,  as detailed on Schedule  "A" to be  attached,
          and as listed on UB's web site at www.university-bank.com, for UB, and
          Schedule "B" to be attached for DCMS, and as listed on DCMS's web site
          at www.thatbank.com,  and as modified or added to from time to time by
          either party.

     1.02 Independent   Contractor.   For  the   purposes  of  this   Agreement,
          Independent  Contractor  shall mean that the legal  entity  defined as
          DCMS is not an employee of UB and the legal  entity known as UB is not
          an employee of DCMS.

     1.03 Merchant. Merchant shall mean a businessperson or organization engaged
          in commercial  activities,  which use credit card  processing  service
          and/or online banking services.

     1.04 Client.  Client shall mean a person  associated with a Merchant who is
          engaged with DCMS or UB who uses the services of either DCMS or UB.

     1.05 Processing  Bank. The Processing  Bank shall be the Acquiring Bank for
          credit card transactions.

     1.06 Rules and Regulations. The Parties to this Agreement transact business
          under  Rules  and   Regulations   governing  the  operation  of  their
          respective   businesses.   Rules  and  Regulations  means  the  rules,
          regulations,  procedures,  and  guidelines  established by VISA and/or
          other financial card service organizations and by the licensing and/or
          governance bodies regulating the business  activities of the bank, and
          specifically UB.

     1.07 Sales.  The  term  Sales  as used in this  agreement,  shall  mean the
          provision of the services as detailed in Schedule "A" and Schedule "B"
          of this agreement,  and as modified from time to time by both parties,
          for which charges and/or  billings for the provision of those services
          are made and payment is received.  Sales shall also mean the provision
          of reinvestment or management services provided by UB.

     1.08 Services.  Services shall mean the Services  provided to Merchants and
          Clients by DCMS or UB,  its  representatives,  and/or  the  Processing
          Bank.

          Article II
          Relationship

     2.01 Resellers - Sharing of Fees. The Parties agree to engage in a reseller
          relationship  with each other,  on a non-exclusive  basis,  whereby UB
          agrees to provide its Services, as detailed in Schedule "A", to DCMS's
          Merchants  and Clients and DCMS  agrees to provide  its  Services,  as
          detailed in Schedule "B", to UB's Merchants and Clients, whereupon the
          Parties  will  share in the  revenue  generated  from  these  mutually
          serviced  Merchants or Clients on a fifty/fifty basis, net of costs of
          the  provision of said Services  reasonably  incurred by the provider.
          The Parties  shall agree upon a Schedule of Fees to be charged for the
          provision of their  services,  to be  determined as a number less than
          the  published  retail or  wholesale  rates for  these  services,  but
          reasonably calibrated to accommodate normal overhead and operations of
          the provider of the service provided.

     2.02 Representations.  DCMS  and UB may  represent  themselves  as  Service
          Representatives or Account Representatives marketing Services for each
          other. Consideration for governing laws and licensing regulations must
          be given in final  determination  of the  exact  manner  in which  the
          Parties may represent themselves,  to be agreed between the Parties as
          a "policies and procedures"  matter  governing  operation  between the
          Parties.

     2.03 Expenses.   DCMS  and  UB  acknowledges   that  they  are  exclusively
          responsible for their own expenses, insurance, payroll and other dues,
          fees and taxes incurred in performing the Services.

          Article III
          Duties Of The Parties

     3.01 Sales. Both DCMS and UB and their representatives shall use reasonable
          commercial  efforts to market the Services offered by each other, on a
          non-exclusive  basis,  as  described  in Schedule  "A" and "B", and as
          modified from time to time,  to their  Merchants and Clients and their
          affiliates.  Such Services shall include  obtaining  applications from
          Merchants  within the stated credit  policies of DCMS and UB, specific
          to the individual  services offered by the Parties.  The Parties shall
          work  together  to  develop  the  full  range of  online  applications
          relating to each of the services  offered,  as soon after execution of
          this Agreement as practicable.

     3.02 Service.  Each Party shall provide training,  follow-up,  support, and
          service  reasonably  required  by  Merchants  in use of the  Services.
          Furthermore,   the  Parties  shall  provide  all  merchant  e-commerce
          services  required to give effect and  operability to this  Agreement,
          including the  arrangement of  transaction  server  hosting,  merchant
          monitoring  and  reporting,   technical   consulting  and  programming
          assistance.

     3.03 Delivery of Documents  and Funds.  Upon  receipt of any  applications,
          forms,  or other  documents,  or funds,  whether  in the form of cash,
          checks,  money orders, or other negotiable  instrument received from a
          Merchant or Client,  DCMS and UB shall promptly deliver such documents
          to the  appropriate  responsible  Party and any funds to a  segregated
          account established at UB designated for the operation of the business
          contemplated by this Agreement, unless the Parties, by mutual consent,
          shall  direct,  in writing,  that such funds or  documents  be sent to
          another  party.  All paperwork  relating to a Merchant or  prospective
          Merchant client for UB must be sent to UB for processing and approval.
          All paperwork  relating to a Merchant or prospective  Merchant  client
          for DCMS must be sent to DCMS for processing and approval.

     3.04 Information.  Upon receipt of any  information  regarding any dispute,
          claims,  or problems  relating  to any  Merchant  with  respect to the
          Services and Products, or a Merchant's business practice, character or
          other matters  affecting a Merchant's  relationship with either Party,
          regulatory  authorities  or Credit Card  Companies,  or the ability to
          comply with the terms of such  relationships  including any violations
          or suspected  violations of the Rules and Regulations noted in Section
          1.06 above, each Party must immediately  notify the other Party or its
          designates of such information.

          Article 1V
          Further Duties Of The Parties

     4.01 Support. Each Party has agreed to provide such support services as are
          reasonably  necessary  to the  other  Party to  perform  their  duties
          hereunder;   including,  but  not  limited  to,  providing  technical,
          marketing,  and other similar  services,  forms,  supplies,  marketing
          materials,  price lists and the training reasonably  necessary for the
          Parties to perform the duties required by Article III, supra.

     4.03 Rules and Guidelines. DCMS and UB have agreed to promptly provide each
          other with copies of all its Rules and  Regulations,  guidelines,  and
          price  lists,  as amended from time to time,  governing  the sales and
          marketing  of the Services  and any support  services  required of the
          Parties.

     4.04 Underwriting  and Risk  Assessment.  Relative to its  services,  UB is
          responsible  to  review  each  application  and  ensure  that  each is
          complete and meets the underwriting guidelines,  rules, and procedures
          set by UB. It is clearly  understood  that the Risk and its Assessment
          relative to the provision of its services are the sole  responsibility
          of the UB.  Relative to its services,  DCMS is  responsible  to review
          each  application  and  ensure  that  each is  complete  and meets the
          underwriting guidelines, rules, and procedures set by DCMS, and Credit
          Card Companies, for delivery of its services. It is clearly understood
          that  the  Risk  and  its  Assessment  relative  to  the  credit  card
          processing  business  are the sole  responsibility  of the  Processing
          Bank.

     4.03 Compliance.  UB will review all applications  relative to the delivery
          of  its  services  to  ensure   requirements   imposed  by  Rules  and
          Regulations,  have  been met by UB and  DCMS.  DCMS  will  review  all
          applications  relative  to the  delivery  of its  services  to  ensure
          requirements  imposed by Rules and  Regulations  have been met by DCMS
          and UB.

     4.06 Fulfillment  of Intent of  Agreement.  It is recognized by the Parties
          that the  provision of services may or does  involve  outside  service
          providers.  For  example,  DCMS  is  a  registered  Independent  Sales
          Organization   (ISO)  for  Humboldt  Bank,  and  through  Humboldt  is
          registered with Visa,  Mastercard and other card  associations to sell
          card services and to obtain Merchant Numbers for its Merchant clients.
          Humboldt is the acquiring bank through which DCMS currently  processes
          the   transactions   of  its  Merchant   Clients.   DCMS  manages  the
          relationship  between the Merchant and the Acquiring Bank. Proceeds of
          the transactions processed for the Merchant are paid, at the direction
          of the Merchant,  to the Merchant's designated bank account. It is the
          objective of this Agreement between the Parties to establish an online
          banking  facility to which DCMS can direct and  service  its  Merchant
          clients, to which the Merchant's transaction proceeds can be directed,
          at the Merchant's direction. Once the online Merchant account has been
          established  through the  facilities  of UB, the  Merchant  may direct
          funds so  deposited  to its  designated  account  at  another  banking
          institution  or,  preferably,  leave the funds in the  Online  Account
          established for the Merchant at UB. Accordingly, the Merchant may then
          make use of the array of Online  Services  offered  through UB and its
          affiliates.

     4.07 Reconciliation and Payment - Accounting. DCMS, through its association
          with the Processing Bank, Card Association and accounting resources is
          responsible  in this Agreement to provide all accounting and reporting
          relative to the provision of its services, and to provide to UB, on an
          agreed upon  schedule,  all bank deposit  reports from the  Processing
          Bank  and/or  Credit Card  Companies  and a  disbursement  summary and
          profit  and  loss  report  relative  to the card  processing  business
          operated  in  conjunction  with UB for  those  Merchants  and  Clients
          referred to DCMS by UB and serviced through the facilities provided by
          DCMS.  Any  Holdback/Security  Deposit  funds  withheld  for  security
          purposes for mutual Merchant clients of DCMS and UB shall be deposited
          to an account to be designated by and under the mutual control of DCMS
          and UB for the term of the Holdback/Security period proscribed.

         UB is  responsible  in this  Agreement  to provide all  accounting  and
         reporting  relative to the provision of its services.  UB shall provide
         to DCMS, on an agreed upon schedule,  reports on all revenue  collected
         for  services  provided by UB as detailed in this  Agreement,  all bank
         deposit  reports on  Merchant  and Client  accounts  established  at UB
         through this Agreement and a  disbursement  summary and profit and loss
         report  relative  to the  banking  and  services  business  operated in
         conjunction with DCMS for those Merchants and Clients referred to UB by
         DCMS and serviced through the facilities provided by UB.

         The  Parties  shall  form and Audit  Committee  to be  responsible  for
         overseeing the production of a profit and loss statement,  on a monthly
         basis,  for the business  transacted  between the Parties in accordance
         with  this  Agreement.   The  accounting   department  of  UB  will  be
         responsible  for preparing the monthly P&L report,  to be  subsequently
         reviewed  by the  Audit  Committee  and,  subject  to the  reserve  and
         operating guideline criteria established by the Audit Committee,  shall
         determine  the  distribution  of net profits from the operation of this
         Agreement on a Fifty/Fifty (50/50) basis to the Parties.

          Article V
          Sources Of Revenue

     5.01 Sums.  Revenue  shall be determined  from the Sales  recorded from the
          provision  of Services  by the  Parties as  detailed in Section  2.01,
          above.

     5.02 Recording of Sales.  Sales shall be defined as transactions  completed
          in accordance  with Rules and  Regulations  governing the operation of
          each of the Parties respective business. For instance, for credit card
          transactions, no payment shall be paid on Sales or orders for Services
          canceled,  or  cancellation  settlements.  Such Rules and  Regulations
          shall be applied to the  standard  employed by the Audit  Committee in
          determining  the profit  and loss of the  operation  of this  business
          conducted between the Parties.

          Article VI
          Non-Disclosure

     6.01 Non-Disclosure Agreement and Proprietary Information.
          ----------------------------------------------------

                A.   The   Parties   recognize   and   acknowledges   that   the
                     information,  business  practices,  business  list  of  the
                     customers,   and  any   other   trade   secrets   or  other
                     confidential information relating to the Parties respective
                     businesses  as it may exist from time to time are valuable,
                     special,  and  unique  assets  of  each  Party's  business.
                     Therefore, the Parties agrees as follows:

                        1.   The Parties will hold in strictest  confidence  and
                             not  disclose,  reproduce,  publish,  or use in any
                             manner,   whether   during  or  subsequent  to  its
                             engagement,    without    the    express    written
                             authorization  of the other Party, any information,
                             business   customer   lists,   trade  secrets,   or
                             confidential  matters  leading  to  any  aspect  of
                             either   Party's   business,   except   where  such
                             information   is  generally   accepted  as  "public
                             information"  and  generally   available  from  the
                             public  filings  required  of the  Parties by their
                             governing regulators.
                        2.   That upon request, or at the time of termination of
                             this  Agreement,  the Parties  will  deliver to the
                             each other, and not keep or deliver to anyone else,
                             any and all  notes,  memoranda,  documents,  and in
                             general,  any and  all  materials  relating  to the
                             other Party's business.

                B.   The Parties  acknowledges and agrees that each Party brings
                     special pre-existing knowledge and relationships of its own
                     into this  business  relationship,  and  therefore,  in the
                     event that this Agreement is terminated for any reason, the
                     Parties  may take with it that  knowledge,  documents,  and
                     those  relationships that it can clearly  demonstrate as it
                     held prior to this Agreement.
          Article VII
          Term: Termination: Rights On Termination

     7.01 Term. The term ("TERM") of this Agreement  shall be for five (5) years
          from  the  date  set  out in  the  preamble  to  this  Agreement.  Not
          withstanding the foregoing,  if none of the provisions of this Article
          are applicable,  then this Agreement shall renew  automatically for an
          additional  one (1) year  term on the fifth  anniversary  date of this
          Agreement.

     7.02 Termination.  This Agreement may be terminated  prior to completion of
          the Term in any one of the following ways: -----------

               A.   Upon DCMS or UB's going out of business.
               B.   By either Party, after one hundred and eighty-one (181) days
                    written notice to the other Party for good cause, including,
                    but without limitation to:
                    i.   violation   by  either  Party  of  the  terms  of  this
                         Agreement;
                    ii.  the material  default of either Party in performing its
                         obligation   under  contracts  with  other  persons  or
                         business  entities if such  default  has been  directly
                         caused by that Party;
                    iii. fraud with  respect to the  business  affairs of either
                         Party or their mutual client;
               C.   Upon mutual agreement of the parties hereto;
               D.   By either Party upon one hundred and  eighty-one  (181) days
                    written  notice  in the  event of  changes  in the rules and
                    regulations  of the Acquiring  Bank or Credit Card Companies
                    or FDIC or the OTS, which in the opinion of either Party are
                    adverse to continuing this Agreement.

     7.03 Effect of Termination.  Upon termination of this Agreement, each Party
          shall be  entitled  to  receive  all  compensation  earned  under this
          Agreement to the date of termination.

          Article VIII
          Representations made by the Parties

     8.01 Representations.  The Parties have  represented  and warranted to each
          other as follows:

                A.   Except  as  previously  disclosed  to the  other  Party  in
                     writing, neither Party is not subject to any restriction or
                     non-competition  covenant  in favor  of a former  employer/
                     contractor or any other entity.
                B.   The signatory  hereto for each Party has the legal right to
                     sign on behalf of that Party and enter into this Agreement.
                     Entry into this Agreement does not constitute  violation or
                     breach of the terms of any  agreement to which either Party
                     is a party.
                C.   All  information  provided by the Parties at,  prior to, or
                     following  the date of this  Agreement is true, correct,and
                     complete.

          Article lX
          Indemnification

     9.01 The Parties.  Each Party has agreed to indemnify and hold harmless the
          other  Party from and  against any loss,  cost,  or damage,  including
          reasonable attorneys' fees and court costs incurred by the other Party
          as a result of or  arising  from  either  Party's  misrepresentations,
          failure  to  comply  with the  terms  of this  Agreement,  or  willful
          misconduct or negligent performance of its obligation hereunder.  Such
          indemnification   obligations   shall   continue   subsequent  to  the
          termination  of  this  Agreement  for  actions   arising  from  events
          occurring during the Term of this Agreement.

          Article X
          MISCELLANEOUS

     10.01 Notice.  All  notices  required  hereunder  shall  be in  writing and
          delivered in person or by certified or registered mail, return receipt
          requested postage prepaid. Such notice shall be addressed as follows:

                    To the UB:      University Bank
                                    959 Maiden Lane
                                    Ann Arbor, Michigan 48105

                                    734-741-5858 - 734-741-5859 (fax)
                                    Attention:  Stephen Lange Ranzini

                    To the DCMS:    Digital Commerce Merchant Services Inc.
                                    300-1199 West Hastings Street
                                    Vancouver, B.C. V6E 3T6

                                    604-899-0411 - 604-899-5495 (fax)
                                    Attention:  Michael Kang

     10.02 Amendment. Except as otherwise  provided  herein,  this Agreement and
          the Exhibits hereto may not be amended, altered, or modified except by
           written authorization executed by all signatories hereto.

     10.03Arbitration.  Any  controversy  or claim  arising out of or related to
          this Agreement shall be resolved by binding  arbitration in accordance
          with the  Commercial  Arbitration  Rules of the  American  Arbitration
          Association.  Judgment  upon any  award  may be  entered  in any court
          having jurisdiction thereof. The prevailing party shall be entitled to
          recover  reasonable  attorney's  fees and other costs  incurred in any
          arbitration   proceeding.   Notwithstanding  the  provisions  of  this
          paragraph.

<PAGE>

     10.04 Benefit and  Assignment. This Agreement shall inure to the benefit of
           the   parties   and   their  respective   heirs,   successors,    and
           representatives. owever, the rights and obligations hereunder may
           not be assigned without the prior written consent of the other.

     10.05 Governing  Law. This  Agreement  shall be governed by,  construed and
           interpreted under the laws of the State of Delaware.

     10.06 Severability. The illegality or unenforceability of any provisions of
           this Agreement shall not affect the remainder of this Agreement.

     10.07 Entire  Agreement. This Agreement and the Exhibits hereto contain the
           entire  understanding of the parties  hereto and  supercede all prior
           agreements with respect to the subject of this Agreement.

     10.08 Headings. Headings used herein are for convenience only and shall not
           affect the construction or interpretation of this Agreement.

     10.09 Online  Bank - Web Name.  DCMS will offer the link to UB  through its
           web address at www.thatbank.com.
                          ----------------

<PAGE>

                               RESELLER AGREEMENT

                                    EXHIBIT A

TERRITORY

         SIGNATURE, DATE SEAL, ACKNOWLEDGEMENTS

         IN WITNESS HEREOF, the Parties have executed this agreement the day and
         date herein first above written. Agreed and accepted by:

         UNIVERSITY BANK                      DIGITAL COMMERCE
         MERCHANT                             SERVICES INC.

         Per: _____________________________    Per: ____________________________
              Stephen Lang Ranzini                  Michael Kang

          END

<PAGE>

                               RESELLER AGREEMENT

                                    EXHIBIT B

          FEE PAYMENT SCHEDULE

          For all  contracts  signed  as a  result  of  efforts,  referrals,  or
          introductions  by  the  Parties  or  any  of  its  representatives  or
          associated companies:

          1.   The  Parties  will  mutually  determine  the  risk  level  of the
               Merchant and, accordingly, determine an appropriate Merchant Rate
               on a merchant by merchant basis;

          2.   The Net  difference  of  Merchant  Rate and Total  Costs  will be
               divided between the parties as follows:

                      UB:
                      DCMS:

          END

<PAGE>Exhibit 10.7

                          RECIPROCAL REFERRAL AGREEMENT

                                     BETWEEN

                                    PresiNET
                                         SYSTEMS

                       [GRAPHIC OMITTED][GRAPHIC OMITTED]

                                       AND

          Digital Commerce International, Inc.
          (thatbank.com)

<PAGE>

                          Reciprocal Referral Agreement

THIS AGREEMENT made as of the ____day of December, 2000

AMONG:
              PresiNET Systems Corp., a body corporate, incorporated under
              the laws of the Province of British Columbia, having offices at:
         L109 - 645 Fort Street
Victoria, British Columbia
CanadaV8W 1G2

                  ("PresiNET")

AND:

         Digital Commerce  International,  Inc., a body corporate,  incorporated
under the laws of the State of Delaware having offices at:

                  300 - 1199 West Hastings Street
                  Vancouver, British Columbia
                  Canada V6E 3T5
                  and

                  4049 Highland Drive
                  Salt Lake City, Utah
                  U.S.A. 84124-1664

                  ("THATBANK")

THIS RECIPROCAL  REFERRAL  AGREEMENT  ("Agreement")  is made effective as of the
Closing Date by and between PresiNET and THATBANK ("Parties").
WHEREAS,  PresiNET is in the business of  providing  managed  Internet  firewall
security  services  including,  but not  limited  to,  7 day x 24 hour  firewall
monitoring and response, and
WHEREAS,  THATBANK  is in the  business of  providing  Internet  e-commerce  and
transaction processing services,  including, but not limited to, web-site design
and hosting, creation of on-line shopping catalogues, merchant account issuance,
and payment gateway services, and
WHEREAS,  PresiNET and THATBANK  wish to grant each other a  non-exclusive,  but
preferential right to refer services and participate in co-marketing  activities
("Preferred  Referral Partner")  according to the terms and conditions set forth
below.

<PAGE>

NOW,  THEREFORE,  in  consideration  of the promises and of the mutual covenants
hereinafter set forth, the Parties hereto hereby agree as follows:
          Definitions

"Acknowledged Referral" means a Proposed Referral for which a Referral Recipient
either  provides  notice of  acceptance to Referral  Provider,  or fails to give
notice of  Rejection,  within  fifteen (15) days from the  Referral  Recipient's
receipt of the Proposed Referral.

"Change in Control" means any  transaction or series of  transactions in which a
party merges with another  entity or in which more than fifty  percent  (50%) of
the voting stock or other voting securities or interests of a party are acquired
by another entity (alone or in combination with its  affiliates),  provided that
an  underwritten  public  offering  of  common  stock  shall  not be a Change of
Control.

"Closing"  means  the  date  of  reference  appearing  in the  caption  of  this
Agreement.

"Confidential Information" means all files, lists, records, documents, drawings,
specifications,  equipment,  ideas,  methods of  operation,  business  processes
information,  customer  files and other  intellectual  property  of any form and
computer programs that incorporate or refer to any records and documents.

"THATBANK  Services"  means  web-site  design and  hosting,  creation of on-line
shopping  catalogues,  merchant account issuance,  and payment gateway services.
THATBANK's  Services are described as and offered as part of the subscription or
consulting service including:

          3    Optional services and any additional future offerings

              THATBANK Service means any of the THATBANK Services.

"Potential  Customer"  means  a third  party  that  the  Referral  Provider  has
identified,  pre-qualified  as  requiring  the  services  of the other  Party (a
PresiNET  Service or a THATBANK  Service,  as the case may be),  made a positive
recommendation  to  respecting  those  services,  and believes will be likely to
enter  into  a  contractual  relationship  with  Referral  Recipient  for  those
services.

"PresiNET's   Services"  means  the  managed  Internet   firewall  services  and
associated services provided by PresiNET. PresiNET Services are described as and
offered as part of the subscription service including:

          4    PresiNET's  managed  Internet  firewall  services  including  its
               appliances  and/or  third  party  appliances,  monitoring,  event
               management, firewall service policy development, and reporting.

          5    Optional services  including DMZ, VPN, Proxy,  security scanning,
               and any additional future offerings

              PresiNET Service means any of the PresiNET Services.

"Proposed  Referral" means a written or electronic document provided to Referral
Recipient by the Referral Provider containing all of the following:

          a.   the Referral Provider's corporate name,
          b.   the date of submission,
          c.   the  corporate  name  address and phone  number of the  Potential
               Customer,
          d.   the division name of the Potential Customer,
          e.   the name and phone  number of Referral  Provider's  employee  who
               made the recommendation to the Potential Customer,
          f.   the name and phone number of Referral  Provider's  contact at the
               Potential Customer,
          g.   the specific  service that Referral  Provider has  recommended to
               the Potential Customer and
          h.   the specific  activities  that  Referral  Provider has  conducted
               regarding their recommendation of the services.

"Referral Provider" means the Party that delivers a Proposed Referral.

"Referral Recipient" means the Party that receives a Proposed Referral.

"Referred  Miscellaneous  Sale"  means a purchase  of  services  by a  Potential
Customer occurring within ninety (90) days from an Acknowledged Referral,  other
than the purchase of the specific  service  described in point (g) of a Proposed
Referral.

"Referred  Service  Sale" means a service  contract,  not less than 12 months in
duration,  between the  Referral  Recipient  and a Potential  Customer,  for the
specific service described in point (g) of the Proposed  Referral,  entered into
within ninety (90) days from an Acknowledged Referral.

 "Rejection"  means the  provision  of notice  from the  Referral  Recipient  to
Referral Provider, confirming that the Referral Recipient has either:

          a.   previously  received a referral  regarding  the same third  party
               referenced in the Proposed Referral,

          6    has  already  developed  a  relationship  with  the  third  party
               referenced in the Proposed Referral, or

          7    is  unable  to  pursue  a  relationship   with  the  third  party
               referenced in the Proposed Referral.

          Referral and Payment

PresiNET  will treat  THATBANK as its  Preferred  Referral  Partner and will use
reasonable efforts to provide Proposed Referrals to THATBANK, respecting:

          a.   any PresiNET  client,  originating  through the direct  marketing
               efforts of  PresiNET,  which  requires  a service  similar to the
               THATBANK Services, and

          b.   any PresiNET client, originating through the marketing efforts of
               a PresiNET  channel partner,  which requires  services similar to
               the  THATBANK  Service  that cannot be  provided by the  PresiNET
               channel partner.

THATBANK  will treat  PresiNET as its  Preferred  Referral  Partner and will use
reasonable efforts to provide Proposed Referrals to PresiNET, respecting clients
of THATBANK  requiring  services  similar to the PresiNET  Services,  at a price
point in the range charged by PresiNET for those PresiNET Services.

PresiNET and THATBANK will consider coordinated marketing activities designed to
facilitate  and  increase  the  frequency  of mutual  and  reciprocal  referrals
described in Articles 2.1 and 2.2. In particular,  the Parties agree to consider
co-marketing activities including:

          b.   a jointly approved process of public  announcements  and publicly
               disseminate   information   regarding   the   existence  of  this
               Agreement, featuring coordinated press releases,

          8    the creation of a hypertext link between agreed upon areas of the
               corporate web sites maintained by the Parties,

          9    facilitated    interaction   between   THATBANK   personnel   and
               corresponding   PresiNET   personnel   designed  to  promote  the
               reciprocal  offering of THATBANK Services and PresiNET  Services,
               and

          10   other  co-marketing  activities that are mutually approved by the
               Parties, in advance.

PresiNET will pay to THATBANK the  following fee for each Referred  Service Sale
where THATBANK acted as the Referral Provider:

For  a period of twelve (12) months,  starting  from an  Acknowledged  Referral,
     PresiNET will pay THATBANK $ 150 USD per individual Referred Sale.

THATBANK will pay to PresiNET the  following fee for each Referred  Service Sale
where PresiNET acted as the Referral Provider:

          c.   For a period of twelve (12) months, starting from an Acknowledged
               Referral,  THATBANK  will pay  PresiNET $ 150 USD per  individual
               Referred Sale.

All referral fees earned in accordance with the terms of this Agreement shall be
paid to Referral Provider, in US Dollars, within thirty (30) days after Referral
Recipient  receives payment from the referral  customer for the Referred Service
Sale or the Referred Miscellaneous Sale.

          Proprietary Rights

Parties agrees that all PresiNET Services including ideas, methods of operation,
documentation and other information contained in the PresiNET products,  and all
adaptations thereto are proprietary  intellectual  properties of PresiNET or its
suppliers  and are  protected  by  civil  and  criminal  law,  and by the law of
copyright, trade secret, trademark and patent of Canada and other countries.

Parties agrees that all THATBANK Services including ideas, methods of operation,
documentation and other information contained in the THATBANK products,  and all
adaptations thereto are proprietary  intellectual  properties of THATBANK or its
suppliers  and are  protected  by  civil  and  criminal  law,  and by the law of
copyright, trade secret, trademark and patent of Canada and other countries.

          Term and Termination

This  Agreement  will commence as of the Closing Date and will  continue  unless
earlier terminated as provided below.

Either party may terminate this Agreement upon thirty (30) days written notice.

          Confidential Information

During the course of performance of this Agreement,

     d.   PresiNET  may  disclose  certain of its  Confidential  Information  to
          THATBANK  to permit  THATBANK to perform  its  obligations  under this
          Agreement, and

     e.   THATBANK  may  disclose  certain of its  Confidential  Information  to
          PresiNET  to permit  PresiNET to perform  its  obligations  under this
          Agreement.

PresiNET agree to maintain the secrecy of all Confidential  Information received
from THATBANK,  utilizing the same level of effort PresiNET utilizes to maintain
its own secrets or Confidential Information.

THATBANK agree to maintain the secrecy of all Confidential  Information received
from PresiNET,  utilizing the same level of effort THATBANK utilizes to maintain
its own secrets or Confidential Information.

PresiNET  shall  refrain from using,  disclosing,  or otherwise  exploiting  any
Confidential Information, provided by THATBANK, for any purpose not specifically
authorized by THATBANK. PresiNET undertakes, upon termination of this Agreement,
to either return or destroy all Confidential Information received from THATBANK.

THATBANK  shall  refrain from using,  disclosing,  or otherwise  exploiting  any
Confidential Information, provided by PresiNET, for any purpose not specifically
authorized by PresiNET. THATBANK undertakes, upon termination of this Agreement,
to either return or destroy all Confidential Information received from PresiNET.

PresiNET agrees not allow any Confidential Information received from THATBANK to
be made  available  to any  third  party,  without  prior  written  approval  of
THATBANK.

THATBANK agrees not allow any Confidential Information received from PresiNET to
be made  available  to any  third  party,  without  prior  written  approval  of
PresiNET.

PresiNET retains title to all proprietary rights,  including patent,  trademark,
copyright and trade secret rights, related to the PresiNET Services.

THATBANK retains title to all proprietary rights,  including patent,  trademark,
copyright and trade secret rights, related to the THATBANK Services.

To the extent that disclosure of Confidential  Information is authorized by this
Agreement:

     f.   PresiNET will obtain prior  agreement  from its  employees,  agents or
          consultants to whom disclosure of THATBANK Confidential Information is
          to  be  made,  to  hold  in  confidence  and  not  make  use  of  such
          Confidential Information for any purpose other than those permitted by
          this Agreement.  PresiNET will promptly notify THATBANK upon discovery
          of any unauthorized use or disclosure of the Confidential  Information
          received from THATBANK.

     11   THATBANK will obtain prior  agreement  from its  employees,  agents or
          consultants to whom disclosure of PresiNET Confidential Information is
          to  be  made,  to  hold  in  confidence  and  not  make  use  of  such
          Confidential Information for any purpose other than those permitted by
          this Agreement.  THATBANK will promptly notify PresiNET upon discovery
          of any unauthorized use or disclosure of the Confidential  Information
          received from PresiNET.

          Disclaimer of Warranties

PresiNET and THATBANK specifically disclaim all expressed and implied warranties
to the fullest extent allowed by law.

No oral or  written  information  or advice  given by  PresiNET,  its  agents or
employees  shall  create a  warranty  or in any way  increase  the scope of this
warranty.  Parties  shall not make,  or authorize  any other person or entity to
make,  any  representation  or warranty  whatsoever  with regard to the PresiNET
Services, including, without limitation, to any users and resellers.

No oral or  written  information  or advice  given by  THATBANK,  its  agents or
employees  shall  create a  warranty  or in any way  increase  the scope of this
warranty.  Parties  shall not make,  or authorize  any other person or entity to
make,  any  representation  or warranty  whatsoever  with regard to the THATBANK
Services, including, without limitation, to any users and resellers.

THATBANK shall indemnify, defend and hold PresiNET harmless from and against any
liabilities,  claims,  lawsuits,  proceedings,  losses, damages, costs, expenses
damages,  settlements  or judgments,  including  without  limitation  PresiNET's
reasonable attorneys' fees and costs incurred in defending against such a claim,
resulting  from or arising out of  THATBANK's  actions;  provided  that PresiNET
gives THATBANK prompt written notice of any such claim,  tenders to THATBANK the
defense of  settlement of any such claim at  THATBANK's  sole expense  (provided
that  THATBANK  shall not settle or  compromise  any such claim in a manner that
does not  unconditionally  release  PresiNET,  without  PresiNET's prior written
consent) and cooperates with THATBANK,  at THATBANK's  expense, in defending and
settling such claim.

PresiNET shall indemnify, defend and hold THATBANK harmless from and against any
liabilities,  claims,  lawsuits,  proceedings,  losses, damages, costs, expenses
damages,  settlements  or judgments,  including  without  limitation  THATBANK's
reasonable attorneys' fees and costs incurred in defending against such a claim,
resulting  from or arising out of  PresiNET's  actions;  provided  that THATBANK
gives PresiNET prompt written notice of any such claim,  tenders to PresiNET the
defense of  settlement of any such claim at  PresiNET's  sole expense  (provided
that  PresiNET  shall not settle or  compromise  any such claim in a manner that
does not  unconditionally  release  THATBANK,  without  THATBANK's prior written
consent) and cooperates with PresiNET,  at PresiNET's  expense, in defending and
settling such claim.

PRESINET SHALL NOT BE LIABLE TO THATBANK FOR ANY INDIRECT,  SPECIAL,  INCIDENTAL
OR  CONSEQUENTIAL  DAMAGES  (INCLUDING  WITHOUT  LIMITATION  DAMAGES FOR LOSS OF
BUSINESS,  LOSS OF DATA, LOSS OF PROFITS OR THE LIKE)  REGARDLESS OF THE FORM OF
ACTION  WHETHER  IN  CONTRACT,  TORT  (INCLUDING  NEGLIGENCE),   STRICT  PRODUCT
LIABILITY  OR  OTHERWISE,  EVEN IF  PRESINET  OR ITS  REPRESENTATIVES  HAVE BEEN
ADVISED OF THE  POSSIBILITY OF SUCH DAMAGES.  IN THE EVENT THAT ANY LIABILITY IS
IMPOSED ON PRESINET FOR ANY REASON WHATSOEVER,  THE AGGREGATE AMOUNTS PAYABLE BY
PRESINET BY REASON THEREOF SHALL NOT EXCEED THE AMOUNT ACTUALLY PAID BY THATBANK
TO PRESINET FOR THE PRESINET SERVICES.  Parties  acknowledges that the foregoing
limitations  are an essential  element of the Agreement  between the parties and
that in the absence of such limitations the pricing and other terms set forth in
this Agreement would be substantially different.

THATBANK SHALL NOT BE LIABLE TO PRESINET FOR ANY INDIRECT,  SPECIAL,  INCIDENTAL
OR  CONSEQUENTIAL  DAMAGES  (INCLUDING  WITHOUT  LIMITATION  DAMAGES FOR LOSS OF
BUSINESS,  LOSS OF DATA, LOSS OF PROFITS OR THE LIKE)  REGARDLESS OF THE FORM OF
ACTION  WHETHER  IN  CONTRACT,  TORT  (INCLUDING  NEGLIGENCE),   STRICT  PRODUCT
LIABILITY  OR  OTHERWISE,  EVEN IF  THATBANK  OR ITS  REPRESENTATIVES  HAVE BEEN
ADVISED OF THE  POSSIBILITY OF SUCH DAMAGES.  IN THE EVENT THAT ANY LIABILITY IS
IMPOSED ON THATBANK FOR ANY REASON WHATSOEVER,  THE AGGREGATE AMOUNTS PAYABLE BY
THATBANK BY REASON THEREOF SHALL NOT EXCEED THE AMOUNT ACTUALLY PAID BY PRESINET
TO THATBANK FOR THE THATBANK SERVICES.  Parties  acknowledges that the foregoing
limitations  are an essential  element of the Agreement  between the parties and
that in the absence of such limitations the pricing and other terms set forth in
this Agreement would be substantially different.

          General.

Any notice under this  Agreement  must be written,  in English,  and sent to the
address of such Party  specified in this  Agreement (or to such other address as
either Party may specify by notice given to the other Party). Any notice will be
deemed  to have  been  effectively  given  (i) upon the  lapse of ten (10)  days
following  mailing  by  registered  mail,  (ii) upon the lapse of three (3) days
after dispatch by courier, or (iii) upon receipt by personal delivery, which may
be by cable, telegram, facsimile transmission or telex.

The Parties  shall  attempt in good faith to resolve any dispute  arising  under
this agreement  informally  according to the following  procedure.  Upon written
request  either  Party  identifying  a dispute to be  resolved,  each Party will
designate a management  representative  with the responsibility and authority to
resolve the dispute. The designated management representatives shall meet within
fifteen  (15) days after the request is received  from the  requesting  Party to
attempt to resolve  such  dispute,  or within a time as  mutually  agreed by the
Parties.

This  Agreement and its terms and  conditions  are governed  exclusively  by and
construed  according  to the laws of the  Province  of British  Columbia  and of
Canada. Both Parties agree to submit to the exclusive  jurisdiction and venue of
and agree that any cause of action arising under this Agreement shall be brought
in a court in Victoria, British Columbia.

The Parties each represent and warrant that there are no existing impediments to
their  compliance  with each and every term and condition of this  Agreement and
that it has all right, power and authority to enter into this Agreement.

Parties may not assign,  in whole or in part,  this  Agreement or its rights and
obligations  under it without the prior written consent of the other Party.  Any
attempted  assignment by a Party in violation of the foregoing shall be void and
of no effect. Subject to the foregoing, this Agreement shall be binding upon and
inure to the benefit of the Parties  hereto and their  successors  and permitted
assigns.  Any Change in Control of Parties shall be considered an assignment for
the purpose of this provision.

The  Parties  are  independent  contractors,  not  employees,  agents,  or legal
representatives  of each other.  PresiNET and THATBANK shall each be responsible
for appointing and compensating their own employees, agents and representatives.
Each Party  will  indemnify  the other for any  liabilities  arising  out of any
unauthorized actions or omissions of its employees, agents or representatives.

Neither  PresiNET  nor  THATBANK  shall be liable for  damages  for any delay or
failure of delivery  arising out of causes beyond their  reasonable  control and
without their fault or negligence,  including, but not limited to, acts of civil
or military authority, fires, riots, wars or embargoes.

Failure to enforce any rights under this Agreement, irrespective of the duration
of such failure, shall not constitute a waiver of those or any other rights.

If a court judges any provision of this  Agreement to be void or  unenforceable,
such a judgment shall in no way affect any other  provisions of this  Agreement,
or the validity or enforceability of this Agreement. Any invalid provision shall
be deemed  to be  replaced  by a lawful  provision  most  nearly  embodying  the
original intention of the Parties.

All rights and remedies  provided  herein are  cumulative and in addition to all
other rights and remedies available at law or equity.

This Agreement  constitutes the final,  complete and exclusive  agreement of the
Parties with regard to this subject matter and  supersedes all prior  agreements
and  understandings,  oral or written,  relating  to the subject  matter of this
Agreement.  Any changes to this  Agreement must be in writing and be executed by
the Parties

IN WITNESS WHEREOF,  the Parties hereto,  by their  authorized  representatives,
have affixed their signatures as of the date first set forth above.

PRESINET SYSTEMS CORP.                     Digital Commerce International, Inc.
                                           (THATBANK)

By:                                        By:

Name: Dean Pothroin                        Name:
Title: Chief Executive Officer             Title:

<PAGE>

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