Document:

EXHIBIT 10.28

                                 PROMISSORY NOTE

$7,800,000                                                        MARCH 24, 2000

         NETZEE, INC., successor to Direct Access Interactive, Inc. (hereinafter
referred to as "Maker"), for value received, hereby promises to pay to the order
of THE INTERCEPT GROUP, INC., a Georgia corporation (hereinafter referred to as
"Payee"), the aggregate principal amount of SEVEN MILLION EIGHT HUNDRED THOUSAND
DOLLARS ($ 7,800,000) together with interest on the unpaid principal balance and
all other outstanding amounts and fees owed hereunder for which interest may
accrue under applicable law from the date hereof at the rate of Prime Rate +
2.0% (a total of 11.0% at the date of this Note) per annum (computed on the
basis of a 360-day year). The Prime Rate shall be equal to the prime rate as
published in The Wall Street Journal (Eastern Edition). All amounts owed
hereunder, including principal, interest, costs, fees and expenses, shall be
immediately due and payable to Payee upon the earlier to occur of (a) March 31,
2002, (b) a change in control of Maker from that which exists on the date
hereof, including but not limited to by reason of stock purchase or sale,
merger, reorganization, voting agreement, or other transaction or agreement
involving Maker and its subsidiaries or any of them whereby the current
shareholders of Maker cease to own at least 75% of the voting securities of
Maker or its successor or combined entity, or the sale or all or substantially
all of the assets of Maker and its subsidiaries, or by reason of a change in the
membership of Maker's board of directors such that the present members of such
board cease to represent at least 2/3 of the members of the board, or (c) a
default by Maker under this Note, the Security Agreement (defined below) or any
material agreement between Maker or any of its subsidiaries, on the one hand,
and Payee and any of its subsidiaries, on the other hand, which default
continues beyond any applicable cure period.

         Interest only on the outstanding principal balance hereof shall be due
and payable monthly, in arrears, with the first installment being payable on the
first (1st) day of May, 2000 and subsequent installments being payable on the
first (1st) day of each succeeding month thereafter until the Maturity Date, at
which time the entire outstanding principal balance, together with all accrued
and unpaid interest and all other sums owed hereunder, shall be immediately due
and payable in full. All amounts due under this Note are payable at 3150 Holcomb
Bridge Road, Suite 200, Norcross, GA 30071 or at such other place as Payee may
from time to time designate to Maker in writing, in coin or currency of the
United States of America.

         This Note shall be binding upon the Maker and its successors and
assigns and shall inure to the benefit of Payee and its successors and assigns.
The indebtedness evidenced hereby may be prepaid in whole or in part, at any
time and from time to time, without penalty. Any such prepayments shall be
credited first to any accrued and unpaid interest and then to the outstanding
principal balance hereof.

         This Note is with full recourse to any assets of Maker. The proceeds of
this Note are to be used by Maker for its working capital needs. This Note is
secured by a lien and security interest to Maker's assets and properties,
wherever located, now or hereafter acquired, as further described and evidenced
by the Security Agreement dated on or about August 6, 1999 executed

<PAGE>

by Maker for the benefit of Payee (the "Security Agreement"). All obligations of
Maker under this Promissory Note shall be secured by such Security Agreement.

         If any of the following events (an "Event of Default") shall occur and
be continuing for any reason whatsoever (and whether such occurrence shall be
voluntary or involuntary or come about or be effected by operation of law or
otherwise), then this Note shall thereupon be and become, forthwith due and
payable, without any further notice or demand of any kind whatsoever, all of
which are hereby expressly waived:

                  (a) If Maker defaults in the payment of principal or interest
         on this Note when and as the same shall become due and payable and such
         default continues for 20 days after Maker receives notice from Payee of
         such default; or

                  (b) If Maker makes an assignment for the benefit of creditors
         or admits in writing an inability to pay his or its debts generally as
         they become due;

                  (c) If an order, judgment or decree is entered adjudicating
         Maker bankrupt or insolvent;

                  (d) If Maker petitions or applies to any tribunal for the
         appointment of a trustee or receiver of Maker, or of any substantial
         part of the assets of Maker, or commences any proceedings relating to
         Maker under any bankruptcy, reorganization, arrangement, insolvency,
         readjustment of debt, dissolution or liquidation law of any
         jurisdiction, whether now or hereafter in effect;

                  (e) If any such petition or application is filed, or any such
         proceedings are commenced, against Maker, and Maker by any act
         indicates its approval thereof, consent thereto, or acquiescence
         therein, or an order is entered appointing any such trustee or
         receiver, or approving the petition in any such proceedings, and such
         order remains unstayed and in effect for more than 90 days;

                  (f) If Maker breaches any of its representations, warranties,
         covenants, agreements or other obligations under the Security
         Agreement, which breach is not cured within ten (10) days of such
         breach;

                  (g) If Maker defaults on any other obligations owed to Payee
         under any now existing or hereafter arising agreement, promissory note,
         contract or other document; or

                  (h) If Maker dissolves or otherwise ceases to conduct business
         in the ordinary course as presently conducted.

         Any failure on the part of Payee at any time to require the performance
by Maker of any of the terms or provisions hereof, even if known, shall in no
way affect the right thereafter to enforce the same, nor shall any failure of
Payee to insist on strict compliance with the terms and

                                       2
<PAGE>

conditions hereof be taken or held to be a waiver of any succeeding breach or of
the right of Payee to insist on strict compliance with the terms and conditions
hereof.

         Time is of the essence with respect to this Note.

         This Note shall be governed by, and enforced and interpreted in
accordance with, the laws of the State of Georgia without regard to the
principles of conflict of laws.

         In the event this note, or any part hereof, is collected by or through
an attorney-at-law, Maker agrees to pay all costs of collection including, but
not limited to, attorneys' fees equal to 15% of the principal and interest then
due. In the event that Maker fails to make any payment when due, Payee shall
provide written notice of default to Maker, which notice shall allow Maker ten
(10) days from the date of receipt of such notice in which to cure such default.
If such default is not cured within the time allowed, the balance hereof shall
be deemed to be immediately accelerated without further notice to Maker.

         IN WITNESS WHEREOF, Maker has executed this Note under seal as of the
date first set forth above.

                                     MAKER:

                                  Netzee, Inc.

                                                     /s/ Richard Eiswirth
                                                     ---------------------------
                                                     By: Richard Eiswirth
                                                         Chief Financial Officer

                                                                [CORPORATE SEAL]

                                       3Exhibit 10.16

                                 LEASE AGREEMENT

COMMONWEALTH OF VIRGINIA
CITY OF LYNCHBURG, VIRGINIA

This LEASE AGREEMENT made and entered into as of the 1st day of December by and
between LAWSON FAMILY LLCI whose address is Route No. 6, Box 70, Appomattox,
Virginia 24522, hereinafter referred to as "Lessor" and BGF Industries with
offices in Greensboro, North Carolina, hereinafter referred to as "Lessee";

                                   WITNESSETH:

1.       The Lessor does hereby lease unto the Lessee and the Lessee does hereby
         accept from the Lessor approximately 37,000 square feet of warehouse
         space located in the building on 1400 Thurnum Avenue in Lynchburg,
         Virginia. This space is located on the first floor of the building. The
         term of this Lease will be twelve months starting on 12/1/99 and ending
         on 12/1/2000.

2.       The Lessee covenants and agrees to pay the Lessor as rental for space
         described in item #1 above, the sum of $10,000.00 per month payable in
         advance on the first day of each calendar month of the term of this
         Lease. The first month rent to be negotiated for actual usage.

3.       Through the term of this Lease, the Lessor, at its sole expense, will
         keep in good condition the demised premises, including, but not limited
         to, the foundation, exterior walls, plate glass, roof, heating system,
         including all component parts, air conditioning system, including all
         component parts, plumbing, electrical system, paving and landscaping,
         and will make all necessary repairs thereto. When used in this
         paragraph, the term "repairs" shall mean all necessary replacements,
         removal, alternations, additions, or betterment's.

                  It shall exclude the alarm system. At the request of the
                  Lessee the intrusion system has been disconnected for the
                  space being leased. While the smoke detection and sprinkler
                  systems are being maintained on the lease space, the Lessor
                  shall not be held responsible for any failures or
                  malfunctions.

4.       The Lessor shall pay all real estate taxes, assessments, and other
         governmental levies and charges, general and special, ordinary and
         penalties, interests or costs for the non-payment thereof and become
         due and payable during the term of this Lease. Lessor shall pay all
         other required utilities.

5.       The Lessee shall provide insurance coverage only for the following:
<PAGE>

         a)       General Liability - Lessee shall provide General and Public
                  liability coverage for use of Lessor's premises and agrees
                  that it shall maintain $1,000,000 bodily injury and property
                  damage limits. Lessee agrees that it will indemnify and save
                  Lessor harmless from any and all liability, damage, expenses,
                  cause of action, suits, claims or judgments arising from
                  injury to persons or property, within the leased premises or
                  upon adjoining property, sidewalks, or parking lots up to
                  limits of insurance coverage.

         b)       Fire and Extended Coverage - Lessee will provide insurance
                  coverage to cover its property located at the leased facility.

         c)       Workmen's Compensation - Lessee is self-insured for workmen's
                  compensation and as such will provide workmen's compensation
                  coverage for its employees and guests.

6.       In the event the demised premises shall be damaged by fire or other
         casualty which in the opinion of the Lessee shall render all or any
         portion of the demised premises untenable, the Lessee, upon five (5)
         days prior written notice delivered unto the Lessor, may terminate this
         Lease. In the event the Lessee shall not terminate this Lease in
         accordance with the previous provision of this paragraph, the Lessor
         will, with reasonable promptness, repair the damage and restore the
         demised premises to its former condition and the obligations of the
         Lessee hereunder will there upon continue in full force and effect. If
         the damage to the demised premises is such as to make the premises
         untenable, the payment of the rent shall be suspended from the date of
         damage until the repairs have been completed. If the damage is such as
         to make the demised premises only partially untenable, then the rent
         shall be appropriately reduced until repairs have been completed. When
         the repairs have been completed, the payment of rent will be resumed.
         No abatement of rent, however, shall operate to extend the term of this
         Lease.

7.       In the event that any or all of the demised premises shall be taken in
         condemnation proceedings or by exercise of any right of imminent
         domain, this Lease shall terminate as of the date of such taking, and
         all unearned rent and all other charges paid in advance shall be
         refunded to the Lessee and Lessor shall surrender possession of the
         leased premises to the Lessor. The award of such taking shall belong to
         the Lessor except that the Lessee shall also be entitled to make claim
         in its own name to condemning authorities for the value of any
         furniture, trade fixtures, trade equipment, merchandise, machinery or
         other personal property of any kind belonging to the Lessee and not
         forming part of the real estate or for the cost of moving all of the
         same and any award made directly to Lessee or for the benefit of the
         Lessee shall belong entirely to the Lessee provided said claim shall
         not diminish the Lessor's award.

                  "Taking" shall include the voluntary conveyance by the Lessor
                  of the demised premises to the authority possessing the right
                  of imminent domain.
<PAGE>

8.       The Lessee agrees that it shall fail and neglect to pay any installment
         of rent within ten (10) days after the same has become due and payable
         as herein provided and Lessor has notified Lessee in writing of said
         delinquency, then the Lessor may at its option terminate this Lease and
         enter upon the demised premises and take possession thereof as if this
         Lease has not been entered into all in accordance and in strict
         compliance with the appropriate statutory laws of the State of
         Virginia. In the event the Lessor shall exercise the right to terminate
         this Lease under the provisions of this paragraph or in any other
         lawful manner, it shall not thereby be deprived of any other rights or
         remedies against the Lessee.

9.       The Lessor covenants and agrees with the Lessee that so long as the
         Lessee pays the installments of rent at the time and in the manner
         herein provided and performs and observes the covenants and conditions
         hereof, the Lessee shall quietly enjoy the demised premises during the
         term herein fixed. This agreement shall be binding upon the parties
         hereto and their successors, heirs, and assignees.

IN WITNESS WHEREOF, the parties have caused this Lease to be executed in
duplicate originals the date first herein above set out.

                                           LESSOR:
                                           Lawson Family LLCI

ATTEST:                                    BY:      /s/ Fred H. Lawson

/s/ SL Ferguson III

                                           LESSEE:
                                           BGF Industries, Inc.

ATTEST:                                    BY:     /s/ Gary Verser
                                                  Gary Verser/Operations Manager

/s/ Rita Blanks
    Rita Blanks/Customer Service Supervisor

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