Document:

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    [NUMBER]                                                         [SHARES]
               INCORPORATED UNDER THE LAWS OF THE STATE OF NEVADA

                             ONLINE PROCESSING, INC.

The Corporation is authorized to issue 25,000,000 Common Shares-Par Value $0.001
each

                                    SPECIMEN
This Certifies that ___________________________________________  is the owner of
_______________________________________________________________   fully paid and
non-assessable  Shares  of  the  above  Corporation  transferable  only  on  the
books of  the Corporation by  the holder hereof in person or  by duly authorized
Attorney upon surrender of this Certificate properly endorsed.

In Witness  Whereof,  the said  Corporation  has caused this  Certificate  to be
signed by its duly  authorized  officers  and to be sealed  with the Seal of the
Corporation.

Dated____________________

--------------------------------------------------------------------------------ESCROW AGREEMENT
                                ----------------

         This Escrow Agreement (the "Agreement") is made and entered into by and
among T. Alan Owen &  Associates,  P.C.  ("TAO"),  Attorneys at Law,  Arlington,
Texas, and Online Processing,  Inc. ("OPI"), a Nevada corporation, on behalf of
all  subscribers   (the   "Investors")  to  the  initial  public  offering  (the
"Offering") of common stock by OPI,  pursuant to a Registration  Statement filed
under the Securities Act of 1933 on Form SB-1.

                                        I

                                    RECITALS

         1.1 Purchase of Shares.  The Investors,  at a price of $0.25 per share,
desire to individually purchase from OPI, an aggregate of between 400,000 shares
and 2,000,000  shares (the  "Shares") of the common stock of OPI pursuant to the
terms of the  Offering.  However,  there is no certainty  that any Shares may be
purchased under the Offering.

         1.2 Purpose Hereof.  In order to facilitate the purchase of the Shares,
OPI  shall  deposit  all  funds  received  by it from the sale of the  Shares to
Investors (the "Escrow Funds") with TAO, and TAO shall hold the Escrow Funds and
not release them to OPI until such time as is described below.

                                       II

                                ESCROW PROVISIONS

         2.1  Appointment  of TAO.  TAO is hereby  appointed  as Escrow Agent to
receive,  hold, and distribute all funds  deposited by the Investors for Shares,
all as hereinafter provided.

         2.2  Deposit  and  Receipt of Funds.  TAO shall  deposit  all funds for
purchase of the Shares in its Attorney  Trust  Account  (the "Escrow  Account").
Concurrently with the delivery of the deposits by each Investor,  TAO shall give
each Investor and OPI a receipt for the funds received by TAO.

         2.3  Disbursement  of Escrow Funds.  Following  deposit into the Escrow
Account of funds totaling $100,000.00,  TAO shall disburse all such funds to OPI
and shall  notify all  Investors  that  placed  Escrow  Funds with TAO that such
disbursement has taken place.

         2.4  TAO's   Responsibility.   TAO's  sole  responsibility  under  this
Agreement  shall  be  for  the  recording  of  deposits  by the  Investors,  the
safekeeping of the Escrow Funds, and the disbursement thereof in accordance with
Paragraph  2.3,  and TAO shall not be  required  to take any other  action  with
reference to any matters which might arise in  connection  with the Escrow Funds
or this  Agreement.  TAO shall not be liable to OPI or any Investor for anything
which TAO may do or refrain from doing in connection herewith, so long as TAO is
acting in good faith in an attempt to perform its duties under this Agreement or

ESCROW AGREEMENT -- Page 1
----------------
Online Processing, Inc. - TAO-Escrow Agrmt (C-17)

<PAGE>

unless Owen is guilty of gross  negligence or willful  misconduct.  TAO is not a
party to,  nor is it bound by, nor shall it give  consideration  to the terms or
provisions  of,  even  though he may have  knowledge  of, (i) any  agreement  or
undertaking  of any agreement  with any other party or parties,  except for this
Agreement, (ii) any agreement or undertaking which may be evidenced or disclosed
by this  Agreement,  and (iii) any other  agreements  regarding the Escrow Funds
that may now or in the  future be  deposited  with TAO in  connection  with this
Agreement.  TAO has no duty to  determine  or  inquire  into  any  happening  or
occurrence or any  performance or failure of performance of the Investors or OPI
or any other parties with respect to agreements or arrangements  with each other
or with any other party or parties.

         2.5  Indemnity to TAO.  OPI agrees to  indemnify  and hold TAO harmless
against and from any and all costs, expenses, claims, losses,  liabilities,  and
damages  (including  reasonable  attorneys'  fees)  that may  arise out of or in
connection  with TAO's acting as Escrow Agent under the terms of this Agreement,
except in those  instances  where TAO has been  guilty  of gross  negligence  or
willful misconduct.

         2.6 Return of Escrow  Funds.  If  $100,000.00  is not  deposited in the
Escrow  Account by the Investors on or before 180 days after the effective  date
of the  offering,  TAO shall  promptly  return to each  Investor from the Escrow
Funds, an amount equal to the amount deposited by such Investor.

         2.7 Effective Date and Termination.  This Escrow Agreement shall become
effective on the date the first deposit is made by an Investor into Escrow.  All
of the provisions of this Agreement shall terminate 180 days after the effective
date of the offering by refunding  all funds in escrow to the  Investors,  or by
the  disbursement  of all Escrow Funds as herein set out. If not so  terminated,
TAO at any time after such date may disburse the allocable portion of the Escrow
Funds to each respective Investor,  close his records, and withdraw all of TAO's
liability and obligations in connection with the Escrow Funds and this Agreement
shall terminate.

                                       III

                                  MISCELLANEOUS

         3.1 Multiple Counterparts.  It is intended that this Agreement shall be
executed in multiple  counterparts,  each of which,  when so executed,  shall be
considered an original,  but all of which shall together  constitute one and the
same instrument.

         3.2 Entire  Agreement.  This instrument  evidences the entire agreement
between TAO and OPI with respect to the purchase of the Shares by Investors

         3.3  Controlling  Law. The terms of this Agreement shall be governed by
and construed in accordance with the laws of the State of Texas.

         3.4 Notices. Any notice, request,  instruction,  or other instrument to
be given or served  hereunder  upon any party shall be deemed given or served if
in writing and  delivered  personally  or sent by United  States  Mail,  postage
prepaid, certified, return receipt requested, to the respective party or parties

ESCROW AGREEMENT -- Page 2
----------------
Online Processing, Inc. - TAO-Escrow Agrmt (C-17)

<PAGE>

at the following addresses:

         a)       If to TAO:                T. Alan Owen & Associates, P.C.
                                                     1112 East Copeland Road
                                                     Suite 420
                                                     Arlington, Texas  76011
                                                     Attn: T. Alan Owen

         b)       If to OPI:                Online Processing, Inc.
                                                     2027 Enchanted Lane
                                                     Lancaster, Texas 75146
                                                     Attn: Jeanne Zachary

         EXECUTED to be effective as of the 20th day of August, 2001

                                                 T. ALAN OWEN & ASSOCIATES, P.C.

                                                 By:
                                                     ---------------------------
                                                       T. Alan Owen

                                                 ONLINE PROCESSING, INC.,
                                                 a Nevada corporation

                                                 By:
                                                     ---------------------------
                                                       Jeanne Zachary, President

ESCROW AGREEMENT -- Page 3
----------------
Online Processing, Inc. - TAO-Escrow Agrmt (C-17)ONLINE PROCESSING, INC.

                             SUBSCRIPTION AGREEMENT

                             ________________, 2001
Online Processing, Inc.
2027 Enchanted Lane
Lancaster, Texas 75146

Ladies and Gentlemen:

    1. PURCHASE OF COMMON STOCK.  Intending to be legally bound , I hereby agree
to purchase  ________ shares of voting, no par value common stock (the "Shares")
of Online Processing,  Inc. (the  "Corporation") for ______________ U.S. Dollars
(number of Shares to be purchased  multiplied by $0.25).  This offer to purchase
is  submitted  in  accordance  with and  subject  to the  terms  and  conditions
described in this Subscription  Agreement (the "Agreement").  I acknowledge that
the  Corporation  reserves the right,  in its sole and absolute  discretion,  to
accept or reject  this  subscription  and the  subscription  will not be binding
until accepted by the Corporation in writing.

    2.  PAYMENT.  I agree to deliver to the  Corporation  immediately  available
funds in the full  amount due under  this  Agreement,  by cash or by  certified,
personal or cashier's  check payable to the "Online 2001 Public  Offering Escrow
Account."  The  Corporation  shall  promptly  deposit  the funds into the Escrow
Account.

    3. ISSUANCE OF SHARES.  The Shares subscribed for herein will only be issued
upon acceptance by the Corporation as evidenced by the Corporation  returning to
the  investor  an  executed   Agreement   acknowledging   acceptance   and  upon
satisfaction of the terms and conditions of the Escrow Agreement.

    4. REPRESENTATION AND WARRANTIES.
         A. I understand  that the offering and sale of the Shares is registered
under (i) the Securities  Act of 1933, as amended (the  "Securities  Act"),  and
(ii)  various   States'   Divisions  of  Securities  in  compliance  with  their
administration  and  enforcement  of the  respective  States'  Blue Sky Laws and
Regulations. In accordance therewith and in furtherance thereof, I represent and
warrant to and agree with the Corporation as follows:

         [1] I am a resident of the State of  ________________ as of the date of
this  Agreement  and I have no present  intention  of becoming a resident of any
other state or jurisdiction;

         [2] I have  received  and have  reviewed the  Corporation's  Prospectus
dated ____________, 2001;

         [3] I have had a reasonable opportunity to ask questions of and receive
answers from a person or persons acting on behalf of the Corporation  concerning

<PAGE>

this  investment,  including the terms and conditions of this offering,  and all
such questions have been answered to my full satisfaction;

    5.  IRREVOCABILITY;  BINDING EFFECT. I hereby acknowledge and agree that the
purchase hereunder is irrevocable,  that I am not entitled to cancel,  terminate
or revoke this Agreement or any agreements of the undersigned hereunder and that
this  Agreement and such other  agreements  shall survive my death or disability
and shall be  binding  upon and inure to the  benefit of the  parties  and their
heirs, executor, administrators,  successors, legal representatives and assigns.
If the  undersigned is more than one person,  the obligations of the undersigned
hereunder  shall be joint  and  several,  and the  agreements,  representations,
warranties and  acknowledgments  herein  contained shall be deemed to be made by
and are binding upon each such person and his heirs, executors,  administrators,
successors, legal representatives and assigns.

    6. MODIFICATION. Neither this Agreement not any  provisions hereof  shall be
waived,  modified,  discharged or terminated  except by an instrument in writing
signed by the party  against  whom any such waiver,  modification,  discharge or
termination is sought.

    7. NOTICES. Any notice, demand or other communication which any party hereto
may  require,  or may  elect to give to  anyone  interested  hereunder  shall be
sufficiently  given if [a] deposited,  postage prepaid,  in a United States mail
box, stamped registered or certified mail, return receipt requested addressed to
such  address as may be listed on the books of the  Corporation,  [b]  delivered
personally  at such  address,  or [c]  delivered  (in person,  or by a facsimile
transmission, telex or similar telecommunications equipment) against receipt.

    8. COUNTERPARTS.  This Agreement may be executed through the use of separate
signature pages or in any number of counterparts,  and each of such counterparts
shall,  for all  purposes,  constitute  one  agreement  binding on all  parties,
notwithstanding that all parties are not signatories to the same counterpart.

    9.  ENTIRE AGREEMENT.  This Agreement  contains the entire  agreement of the
parties  with  respect  to  the  subject  matter   hereof,   and  there  are  no
representations,  covenants or other agreements  except as stated or referred to
herein.

    10.  SEVERABILITY.   Each  provision  of  the  Agreement  is  intended to be
severable  from every other  provision,  and the invalidity or illegality of any
portion  hereof  shall not affect the  validity  or  legality  of the  remainder
hereof.

    11.  ASSIGNABILITY.  This Agreement is not transferable or assignable by the
undersigned except as may be provided herein.

    12.  APPLICABLE LAW.   This Agreement shall be governed by and  construed in
accordance  with the laws of the State of Texas as applied to  residents of that
state executing contracts wholly to be performed in that state.

<PAGE>

INDIVIDUAL(S) SUBSCRIBER

IN  WITNESS  WHEREOF,  I have  executed  this  Agreement  as of the       day of
                                                                    -----
                   , 2001.
-------------------
                                                  Address:

-----------------------------------               ------------------------------
Signature of Purchaser
                                                  ------------------------------
-----------------------------------
Name(s) of Purchaser  (Please print or type)

ENTITY SUBSCRIBER

IN WITNESS  WHEREOF,  I have  executed  this  Agreement  as of the        day of
                                                                   -----
                   , 2001.
-------------------

                                                  Address:

---------------------------------                 ------------------------------
Entity
                                                  ------------------------------
---------------------------------
Signed by:
           ----------------------

Its:
     ----------------------------

---------------------------------
Date

PURCHASE ACCEPTED FOR       SHARES:
                      -----

ONLINE PROCESSING, INC.

By:
    -----------------------------
       Jeanne Zachary, President

Date:
      ---------------------------

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