Document:

Exhibit 4.5

                           RESTRICTED STOCK AGREEMENT

         This  AGREEMENT is made as of the ____ day of ________ 1999 (the "Grant
Date") by and between  America  Online,  Inc., a Delaware  corporation  having a
principal place of business in Dulles,  Virginia  ("AOL" or the "Company"),  and
William Raduchel (the "Officer").

                               W I T N E S S E T H

         WHEREAS,  the  Company has made an offer of  employment  to the Officer
that the Officer has  accepted  pursuant to the terms of an offer  letter  dated
September  2, 1999 (the "Offer  Letter"),  and the Company  desires to offer and
grant to the Officer  shares of Company  common stock,  par value $.01 per share
(the "Common  Stock"),  in accordance with the terms and conditions  hereinafter
set forth;

         NOW,  THEREFORE,  in  consideration  of the  promises  and  the  mutual
covenants  contained herein and for other good and valuable  consideration,  the
parties hereby agree as follows:

         1. Terms of  Purchase.  The  Officer  hereby  accepts  the offer of the
Company to issue to the Officer, in accordance with the terms of this Agreement,
sixty-six thousand six hundred sixty-six (66,666) shares of the Company's Common
Stock (such shares,  subject to adjustment  pursuant to Subsections 2(i) and (j)
hereof,  the  "Shares")  at a purchase  price per share of one cent  ($.01) (the
"Purchase Price"), receipt of which is hereby acknowledged by the Company.

         2.       Company's Lapsing Repurchase Right.

         (a) Lapsing Repurchase Right.  Except as set forth in Subsections 2(b),
2(c) and 2(d), in the event for any reason the Officer  ceases to be an employee
of the Company prior to the third  anniversary of the Grant Date, the Company or
its designee shall have the option, but not the obligation, to purchase from the
Officer (or his  successor in  interest),  and the Officer (or his  successor in
interest) shall be obligated to sell to the Company or its designee,  at a price
per Share equal to the Purchase  Price,  all or any part of the Shares set forth
in clauses  (i),  (ii) and (iii) below (the  "Lapsing  Repurchase  Right").  The
Company's Lapsing Repurchase Right shall be valid for a period of six (6) months
commencing  with  the  date  of  such  termination.  Notwithstanding  any  other
provision  hereof,  in the event the Company is  prohibited  during such six (6)
months  from  exercising  its  Lapsing  Repurchase  Right by Section  160 of the
Delaware General  Corporation Law as amended from time to time (or any successor
provision) then the time period such Lapsing  Repurchase  Right may be exercised
shall be  extended  until  twenty  (20) days  after the  Company is first not so
prohibited.

                  (i) If such  termination  of  employment is prior to the first
         anniversary  of the Grant Date,  the  Company  shall have the option to
         repurchase all of the Shares acquired by the Officer hereunder.

                  (ii) If such  termination  of  employment  is on or after  the
         first anniversary of the Grant Date and prior to the second anniversary
         of the Grant  Date,  the  Company  shall have the option to  repurchase
         44,444 of the Shares;  if such termination of employment is on or after
         the  second  anniversary  of the  Grant  Date and  prior  to the  third
         anniversary  of the Grant Date,  the  Company  shall have the option to
         repurchase 22,222 of the Shares, as provided in this Agreement.

                  (iii)  Notwithstanding  anything to the contrary  contained in
         this Agreement,  except as otherwise provided in Subsection 2(b) below,
         in the event the Company terminates the Officer's  employment for Cause
         (as  defined  below)  or in the  event  the  Administrator  determines,
         subsequent  to the  Officer's  termination  of  service  but during the
         ninety  (90) days after the  termination  of service (or if the Officer
         shall die during such period, during the one year period following such
         termination  of  service)  that  either  prior  or  subsequent  to  the
         Officer's  termination  the  Officer  engaged  in  conduct  that  would
         constitute  Cause,  the Company shall have the option to repurchase all
         of the Shares acquired by the Officer hereunder.

         (b) Effect of Termination for Disability or upon Death. Notwithstanding
the  provisions  of  clauses  (i),  (ii) and (iii)  immediately  above,  if such
termination  of employment is as a result of the Officer's  Disability or death,
then the Company's Lapsing  Repurchase Right shall terminate,  and the Officer's
(or the  Officer's  Survivors')  ownership of all Shares then owned by him shall
become vested.

         (c)  Effect  of  Termination  without  Cause  or for Good  Reason.  The
Company's Lapsing Repurchase Right shall terminate,  and the Officer's ownership
of all Shares then owned by him shall become vested,  if the Company  terminates
the Officer's  employment other than for Cause or if the Officer  terminates his
employment  with the Company for Good Reason;  provided  that the Officer  shall
deliver to the Company a valid release of all claims against the Company.

         (d) Effect of Change in Control. The Company's Lapsing Repurchase Right
shall  terminate,  and the  Officer's  ownership of all Shares then owned by him
shall become vested, in the event of a Change in Control upon the first to occur
of (x) the date the Lapsing  Repurchase Right otherwise  expires under the terms
of this Agreement,  (y) the first  anniversary of the date such Corporate Change
in  Control  is  determined  to have  occurred,  and (z)  the  occurrence  of an
Involuntary Employment Action.

         (e)  Closing.  In the event  that the  Company  exercises  the  Lapsing
Repurchase  Right, the Company shall notify the Officer,  or, in the case of his
death,  his  representative,  in writing of its intent to repurchase the Shares.
Such notice may be mailed by the Company up to and including the last day of the
time period provided for above for exercise of the Lapsing Repurchase Right. The
notice  shall  specify the place,  time and date for  payment of the  repurchase
price (the  "Closing").  The date specified shall be not less than ten (10) days
nor more than sixty (60) days from the date of  mailing of the  notice,  and the
Officer or his  successor  in  interest  with  respect  to the Shares  which the
Company  elects to repurchase  shall have no further rights as the owner thereof
from and after the date specified in the notice. At the Closing,  the repurchase
price shall be  delivered  to the Officer or his  successor  in interest and the
Shares being  purchased,  duly endorsed for transfer,  shall, to the extent that
they are not in the  possession  of the Company,  be delivered to the Company by
the Officer or his successor in interest.

         (f) Escrow.  The  certificates  representing all Shares acquired by the
Officer hereunder which from time to time are subject to the Lapsing  Repurchase
Right shall be delivered  to the Company and the Company  shall hold such Shares
in escrow as provided in this Subsection 2(f). Promptly following a request from
the Officer,  the Company shall release from escrow and deliver to the Officer a
certificate for the number of Shares, if any, as to which the Lapsing Repurchase
Right has lapsed.  In the event of a repurchase by the Company of Shares subject
to the Lapsing  Repurchase  Right,  the Company  shall  release  from escrow and
cancel a certificate  for the number of Shares so  repurchased.  Any  securities
distributed  in  respect  of the  Shares  held  in  escrow,  including,  without
limitation,  shares issued as a result of stock splits, stock dividends or other
recapitalizations,  shall  also be held in  escrow  in the  same  manner  as the
Shares.

         (g) Prohibition on Transfer. The Officer recognizes and agrees that all
Shares  which  are  subject  to the  Lapsing  Repurchase  Right may not be sold,
transferred,  assigned, hypothecated,  pledged, encumbered or otherwise disposed
of, whether voluntarily or by operation of law (other than to the Company or its
designee). The Company shall not be required to transfer any Shares on its books
which shall have been sold,  assigned or otherwise  transferred  in violation of
this Subsection 2(g), or to treat as the owner of such Shares,  or to accord the
right to vote as such owner or to pay dividends  to, any person or  organization
to  which  any such  Shares  shall  have  been so sold,  assigned  or  otherwise
transferred, in violation of this Subsection 2(g).

         (h) In the event that the Officer or his successor in interest fails to
deliver the Shares to be  repurchased by the Company under this  Agreement,  the
Company  may elect (i) to  establish a  segregated  account in the amount of the
repurchase price, such account to be turned over to the Officer or his successor
in interest  upon  delivery of such Shares,  and (ii)  immediately  to take such
action as is  appropriate  to  transfer  record  title of such  Shares  from the
Officer to the Company and to treat the Officer and such Shares in all  respects
as if delivery of such Shares had been made as required by this  Agreement.  The
Officer hereby irrevocably grants the Company a power of attorney which shall be
coupled with an interest for the purpose of effectuating the preceding sentence.
The Officer  agrees as a  condition  to the  performance  by the Company of this
Agreement to execute and deliver the Stock Power attached hereto as Exhibit A.

         (i) If the Company shall pay a stock  dividend or declare a stock split
on or  with  respect  to  any of  its  Common  Stock,  or  otherwise  distribute
securities  of the  Company to the  holders of its Common  Stock,  the number of
shares of stock or other  securities  of the Company  issued with respect to the
Shares then subject to the  restrictions  contained in this  Agreement  shall be
added to the Shares  subject to the Company's  rights of repurchase  pursuant to
this Agreement.  If the Company shall distribute to its stockholders  securities
of another  corporation,  the securities of such other corporation,  distributed
with  respect to the Shares then subject to the  restrictions  contained in this
Agreement,  shall be added to the  Shares  subject  to the  Company's  rights to
repurchase pursuant to this Agreement.

         (j) If the  outstanding  shares of the Company's  Common Stock shall be
subdivided  into a greater number of shares or combined into a smaller number of
shares, or in the event of a  reclassification  of the outstanding shares of the
Company's  Common  Stock,  or if the  Company  shall  be a  party  to a  merger,
consolidation  or capital  reorganization,  there shall be  substituted  for the
Shares then subject to the restrictions  contained in this Agreement such amount
and  kind  of  securities  as  are  issued  in  such  subdivision,  combination,
reclassification,  merger, consolidation or capital reorganization in respect of
the  Shares  subject  immediately  prior  thereto  to the  Company's  rights  of
repurchase pursuant to this Agreement.

         3. Legend. All certificates representing the Shares to be issued to the
Officer  pursuant  to this  Agreement  shall  have  endorsed  thereon  a  legend
substantially as follows:

                  "The shares  represented  by this  certificate  are subject to
                  restrictions  set forth in a Restricted  Stock Agreement dated
                  __________,  1999 with America  Online,  Inc., a copy of which
                  Agreement is available  for  inspection  at the offices of the
                  Company or will be made available upon request."

         4. Defined Terms.  Capitalized terms not otherwise defined herein shall
have the following meanings:

               "Board of Directors" means the Board of Directors of the Company.

               "Cause"  shall  mean  (a) the  Officer's  conviction  of a felony
involving moral turpitude,  (b) his willful and continued failure  substantially
to perform his required  duties under the Offer Letter,  (c) his  intentional or
repeated  violation of the  Confidentiality,  Non-Competition,  and  Proprietary
Rights  Agreement,  or (d) his  intentional  or improper  conduct  substantially
prejudicial to the business of the Company or any of its affiliates.

               "Change  in  Control"  means a  Corporate  Change in Control or a
Transactional Change in Control.

               "Code" means the United States Internal  Revenue Code of 1986, as
amended.

               "Corporate  Change in Control"  means the happening of any of the
following events:

              (1)  the  acquisition  by any  individual,  entity  or  group  (an
              "Entity"),  including  any "person"  within the meaning of Section
              13(d)(3) or 14(d)(2) of the Exchange Act, of beneficial  ownership
              (within the meaning of Rule 13d-3  promulgated  under the Exchange
              Act) of 30% or more of either (i) the then  outstanding  shares of
              common  stock of the  Company  (the  "Outstanding  Company  Common
              Stock") or (ii) the combined voting power of the then  outstanding
              securities  of the  Company  entitled  to  vote  generally  in the
              election   of   directors   (the   "Outstanding   Company   Voting
              Securities");   excluding,   however,   the  following:   (A)  any
              acquisition  directly from the Company  (excluding any acquisition
              by virtue of the exercise of an exercise,  conversion  or exchange
              privilege  unless the security  being so  exercised,  converted or
              exchanged was itself acquired directly from the Company),  (B) any
              acquisition by the Company,  or (C) any acquisition by an employee
              benefit plan (or related  trust)  sponsored or  maintained  by the
              Company or by any corporation controlled by the Company; or

              (2) a change in the composition of the Board since the Grant Date,
              such that the  individuals  who, as of such date,  constituted the
              Board of Directors (the "Incumbent Board") cease for any reason to
              constitute  at least a majority of such Board;  provided  that any
              individual who becomes a director of the Company subsequent to the
              Grant Date whose  election,  or  nomination  for  election  by the
              Company's  stockholders,  was  approved  by the vote of at least a
              majority of the directors  then  comprising  the  Incumbent  Board
              shall be  deemed a member of the  Incumbent  Board;  and  provided
              further,  that  any  individual  who was  initially  elected  as a
              director  of the  Company  as a result of an actual or  threatened
              election  contest,  as such  terms  are  used in  Rule  14a-11  of
              Regulation  14A  promulgated  under the Exchange Act, or any other
              actual or threatened  solicitation of proxies or consents by or on
              behalf of any person or Entity  other than the Board  shall not be
              deemed a member of the Incumbent Board.

               "Disability" or "Disabled"  means permanent and total  disability
as defined in Section 22(e)(3) of the Code.

                  A  termination  by the Officer for "Good  Reason" shall mean a
         termination  by  the  Officer,  upon  60  days'  notice  following  the
         Officer's transfer to an office outside the Company's headquarters,  or
         a change by the Company in the Officer's reporting  relationship or his
         authority  which  causes the  Officer's  position  with the  Company to
         become of materially less  responsibility  than the Officer's  position
         immediately  following  the Grant  Date,  provided  that such  material
         change  is  not  in  connection  with a  termination  of the  Officer's
         employment by the Company, and provided further, that the Company shall
         not have taken action within 30 days of such notice of termination such
         that the circumstances constituting a Good Reason shall have ceased.

               "Involuntary  Employment  Action"  shall  mean any  change in the
terms  and  conditions  of the  Officer's  employment  with the  Company  or any
successor, without Cause, to such extent that:

                           (1) the  Officer  shall fail to be vested with power,
                  authority  and  resources  analogous  to the  Officer's  title
                  and/or office prior to the Change in Control, or

                           (2) the Officer shall lose any significant duties or
                  responsibilities attending such office, or

                           (3) there shall occur a reduction in the Officer's
                  base compensation, or

                           (4) the Officer's employment with the Company, or its
                  successor, is terminated without Cause.

               "Survivors"  means a  deceased  Officer's  legal  representatives
and/or any person or persons who acquired the Officer's  rights to a Stock Grant
by will or by the laws of descent and distribution.

               "Transactional Change in Control" shall mean any of the following
transactions to which the Company is a party:

              (1) a reorganization, recapitalization, merger or consolidation (a
              "Corporate   Transaction")  of  the  Company,   unless  securities
              representing  60% or more of  either  the  outstanding  shares  of
              common stock or the combined voting power of the then  outstanding
              voting  securities  entitled to vote  generally in the election of
              directors of the Company or the  corporation  resulting  from such
              Corporate Transaction (or the parent of such corporation) are held
              subsequent to such  transaction  by the person or persons who were
              the beneficial holders of the Outstanding Company Common Stock and
              Outstanding  Company Voting  Securities  immediately prior to such
              Corporate  Transaction,  in substantially  the same proportions as
              their ownership  immediately prior to such Corporate  Transaction;
              or

              (2)  the  sale,   transfer   or  other   disposition   of  all  or
              substantially all of the assets of the Company.

         5. Tax  Liability  of the  Officer  and  Payment of Taxes.  The Officer
acknowledges and agrees that any income or other taxes due from him with respect
to the Shares issued pursuant to this Agreement,  including, without limitation,
the  lapsing  of the  Company's  right of  repurchase,  shall  be the  Officer's
responsibility.  Without limiting the foregoing, the Officer agrees that, to the
extent that the lapsing of  restrictions  on disposition of any of the Shares or
the  declaration  of  dividends  on any such  shares  before  the  lapse of such
restrictions  on  disposition  results in the  Officer's  being  deemed to be in
receipt of earned income under the  provisions of the Code, the Company shall be
entitled to immediate payment from the Officer of the amount of any tax required
to be withheld by the Company.

         6. Securities Law Compliance.  The Officer represents that any sales of
Shares at a time when the  Officer may be deemed an  "affiliate"  of the Company
for purposes of the  Securities  Act of 1933,  as amended (the "Act"),  shall be
made in  accordance  with the  requirements  of Rule 144  under  the Act (or any
successor rule) applicable to sales by an "affiliate" of shares registered under
the Act or in a transaction otherwise exempt from the registration  requirements
of the Act and as to which the Company shall have received an opinion of counsel
satisfactory to it confirming such exemption.

         7.  Equitable   Relief  and  Consent  to   Jurisdiction.   The  Officer
specifically acknowledges and agrees that in the event of a breach or threatened
breach of the provisions of this Agreement,  including the attempted transfer of
the Shares by the Officer,  monetary  damages may not be adequate to  compensate
the Company, and, therefore, in the event of such a breach or threatened breach,
in addition to any right to damages,  the Company shall be entitled to equitable
relief in any court  having  competent  jurisdiction.  Nothing  herein  shall be
construed as prohibiting the Company from pursuing any other remedies  available
to it for any such breach or threatened breach.

         The Officer specifically  consents to the jurisdiction of the courts of
the Commonwealth of Virginia in any action, whether at law or in equity, brought
by the Company to protect any of its rights hereunder.

         8. No  Obligation  to  Employ.  The  Company  is not by this  Agreement
obligated  to  continue  the  Officer as an  employee  of the  Company or of any
Affiliate of the Company.

         9.  Notices.  Any notices  required or  permitted  by the terms of this
Agreement shall be given by recognized courier service,  registered or certified
mail,  return receipt  requested,  postage prepaid,  or facsimile,  addressed as
follows:

         If to the Company:

                  America Online, Inc.
                  22000 AOL Way
                  Dulles, Virginia  20166
                  Attention:  General Counsel

         If to the Officer:

                  to the Officer's last address as set forth in the records of
the Company,

or to such other  address(es)  of which notice in the same manner has previously
been given.  Any such notice  shall be deemed to have been given on the earliest
of  receipt,  one  (1)  business  day  following  delivery  by the  sender  to a
recognized  courier  service,  or three (3) business days  following  mailing by
registered or certified mail.

         10.  Binding  Effect.  This  Agreement  shall be for the benefit of and
shall be binding upon the parties hereto,  upon their respective  successors and
assigns and upon the Officer's heirs, executors and administrators.

         11.  Governing Law. This  Agreement  shall be construed and enforced in
accordance  with the laws of the State of Delaware  without giving effect to the
conflict of law principles thereof.

         12.  Severability.  If any  provision  of this  Agreement is held to be
invalid  or  unenforceable  by a court  of  competent  jurisdiction,  then  such
provision or provisions  shall be modified to the extent  necessary to make such
provision valid and enforceable, and to the extent that this is impossible, then
such  provision  shall be deemed to be  excised  from  this  Agreement,  and the
validity, legality and enforceability of the rest of this Agreement shall not be
affected thereby.

         13. Entire Agreement.  This Agreement  constitutes the entire agreement
and understanding  between the parties hereto with respect to the subject matter
hereof and  supersedes all prior oral or written  agreements and  understandings
relating to the subject matter hereof. No statement,  representation,  warranty,
covenant or agreement not expressly set forth in this Agreement  shall affect or
be used to  interpret,  change or restrict the express  terms and  provisions of
this Agreement.

         14. Modifications and Amendments;  Waivers and Consents.  The terms and
provisions  of  this  Agreement  may  not  be  modified,  amended,  renewed,  or
terminated,  nor may any term,  condition  or breach of any term or condition be
waived,  except by a writing  signed by the person or persons sought to be bound
by such modification,  amendment,  renewal, termination or waiver. Any waiver of
any term,  condition or breach hereof shall not be a waiver of any other term or
condition or of the same term or condition for the future,  or of any subsequent
breach.

         15. Consent of Spouse. If the Officer is married as of the date of this
Agreement, the Officer's spouse shall execute a Consent of Spouse in the form of
Exhibit B hereto,  effective  as of the date hereof.  Such consent  shall not be
deemed to confer or convey to the spouse  any  rights in the Shares  that do not
otherwise  exist by  operation of law or the  agreement  of the parties.  If the
Officer marries or remarries  subsequent to the date hereof,  the Officer shall,
not  later   than  sixty  (60)  days   thereafter,   obtain  his  new   spouse's
acknowledgement  of and  consent  to the  existence  and  binding  effect of all
restrictions  contained  in  this  Agreement  by  such  spouse's  executing  and
delivering a Consent of Spouse in the form of Exhibit B.

         16.  Counterparts.  This  Agreement  may be  executed  in  one or  more
counterparts, and by different parties hereto on separate counterparts,  each of
which shall be deemed an original,  but all of which together  shall  constitute
one and the same instrument.

         IN WITNESS WHEREOF,  the parties hereto have executed this Agreement as
of the day and year first above written.

                                              AMERICA ONLINE, INC.

                                              By:
                                              Printed Name:
                                              Title:

                                              OFFICER:

                                              William Raduchel

                                    EXHIBIT A

                                   STOCK POWER

         For value  received,  I hereby  sell,  assign,  and transfer to America
Online,  Inc.  ______________  shares of Common Stock of America  Online,  Inc.,
standing in the  undersigned's  name on the books and  records of the  aforesaid
Company, represented by Certificate No(s).  ___________________________,  and do
hereby  irrevocably  constitute  and appoint the Corporate  Secretary of America
Online, Inc. attorney,  with full power of substitution,  to transfer this stock
on the books and records of the aforesaid Company.

                                William Raduchel

Dated As Of:

______________, 2000

In the presence of:

Printed Name:

                                    EXHIBIT B

                                CONSENT OF SPOUSE

         I, ,  spouse  of  William  Raduchel,  acknowledge  that I have read the
RESTRICTED   STOCK  AGREEMENT  dated  as  of   ___________________,   1999  (the
"Agreement")  to which this Consent is attached as Exhibit B and that I know its
contents.  Capitalized terms used and not defined herein shall have the meanings
assigned to such terms in the  Agreement.  I am aware that by its provisions the
Shares  granted to my spouse  pursuant to the Agreement are subject to a Lapsing
Repurchase  Right in favor of America  Online,  Inc. (the  "Company")  and that,
accordingly,  the Company has the right to repurchase up to all of the Shares of
which I may become possessed as a result of a gift from my spouse,  operation of
law or a court decree and/or any property settlement in any domestic litigation.

         I hereby agree that my interest,  if any, in the Shares  subject to the
Agreement shall be irrevocably bound by the Agreement and further understand and
agree that any  community  property  interest I may have in the Shares  shall be
similarly bound by the Agreement.

         I agree to the Lapsing  Repurchase Right described in the Agreement and
I hereby  consent to the repurchase of the Shares by the Company and the sale of
the  Shares  by my spouse or his legal  representative  in  accordance  with the
provisions  of the  Agreement.  Further,  as part of the  consideration  for the
Agreement,  I agree that at my death,  if I have not disposed of any interest of
mine in the Shares by an outright  bequest of the Shares to my spouse,  then the
Company shall have the same rights against my legal  representative  to exercise
its rights of  repurchase  with respect to any interest of mine in the Shares as
it would  have had  pursuant  to the  Agreement  if I had  acquired  the  Shares
pursuant to a court decree in domestic litigation.

         I AM AWARE THAT THE LEGAL,  FINANCIAL AND RELATED MATTERS  CONTAINED IN
THE  AGREEMENT ARE COMPLEX AND THAT I AM FREE TO SEEK  INDEPENDENT  PROFESSIONAL
GUIDANCE OR COUNSEL  WITH  RESPECT TO THIS  CONSENT.  I HAVE EITHER  SOUGHT SUCH
GUIDANCE OR COUNSEL OR DETERMINED AFTER REVIEWING THE AGREEMENT CAREFULLY THAT I
WILL WAIVE SUCH RIGHT.

         Dated as of the      day of                      1999.

                                                     Printed name:<PAGE>

 NOTE: CERTAIN CONFIDENTIAL TECHNICAL AND COMMERCIAL INFORMATION HAS BEEN
    REDACTED FROM THIS EXHIBIT.  ALL SUCH REDACTED INFORMATION IS ON FILE
                                WITH THE SEC.

     NOTE: ASTERISK OR ASTERISKS [* * * *] INDICATE INFORMATION FOR WHICH
                    CONFIDENTIAL TREATMENT HAS BEEN SOUGHT

                                   NETGATEWAY

                     ELECTRONIC COMMERCE SERVICES AGREEMENT

     THIS ELECTRONIC COMMERCE SERVICES AGREEMENT (this "Agreement") is made
effective as of the Acceptance Date set forth in the initial eCommerce Services
Order Form ( July 28, 1999) accepted by Netgateway, a Nevada corporation
("Netgateway"), and the subscriber identified below ("Subscriber").

PARTIES:

SUBSCRIBER NAME:    B2BSTORES.COM INC.
ADDRESS:            211 PARK AVENUE
                    HICKSVILLE, NY 11801

PHONE:        (516)   931-4455
FAX:          (516)   931-3530

NETGATEWAY
300 Oceangate, Suite 500
Long Beach, CA 90802
Phone:    (562) 308-0010
Fax:        (562) 308-0021

1.           ELECTRONIC COMMERCE SERVICES.

   1.1 eCommerce Services. Subject to the terms and conditions of this
Agreement, during the term of this Agreement, Netgateway will, through the
Netgateway Internet Commerce Center(TM) ("Netgateway ICC"), provide to
Subscriber the services described in the eCommerce Services Order Form(s) (the
"eCommerce Services Order Form(s)") accepted by Netgateway, or substantailly
similar services if such substantailly similar services would provide Subscriber
with substantially similar benefits (the "eCommerce Services"). All such
eCommerce Services Order Forms will be incorporated herein by this reference as
of the Acceptance Date set forth on each such form. Netgateway and Subscriber
have mutually agreed or will mutually agree upon the detailed final
specifications (the "Specifications") for the eCommerce Services and the
development timeline therefor, all of which are or will be set forth on the
attached initial eComerce Services Order Form attached hereto as Exhibit "A",
and by this reference made a part hereof.

   1.2 Availability. ECommerce Services will be available to Subscriber for
inquiry and order entry functions twenty-four (24) hours a day, seven (7) days a
week. Netgateway reserves the right upon reasonable notice to Subscriber to
limit or curtail holiday or weekend availability when necessary for system
upgrades, adjustments, maintenance or other operational considerations.

   1.3 Enhancements. General enhancements to existing eCommerce Services
provided hereunder, as well as new features that Netgateway incorporates into
its standard commerce processing system, regardless of whether they are
initiated by Netgateway or developed at the request of Subscriber or other
subscribers, shall be made available to Subscriber at no additional cost. Any
new features or services that may be developed by Netgateway during the term of
this Agreement which Netgateway intends to offer to subscribers on a limited or
optional basis may, at Netgateway's option, and subject to Subscriber's
acceptance, be made available to Subscriber at Netgateway's then-current prices
for such new features or services. Enhancements to existing eCommerce Services
requested by Subscriber that benefit only Subscriber at the time such
enhancements are put into service shall be billed to Subscriber at Netgateway's
standard rates for programming. All enhancements to the eCommerce Services, and
any new features or services introduced by Netgateway, shall remain the
exclusive proprietary property of Netgateway.

   1.4 Training. At no cost to Subscriber, Netgateway shall provide such onsite
training and  other assistance, as Netgateway deems necessary to assure that
Subscriber's personnel are able to make effective use of the eCommerce Services.
On-site training shall take place at such times and places as are mutually
agreeable to the parties hereto.

   1.5  Subscriber Data.

   (a) Subscriber Data. Subscriber will timely supply Netgateway, in a form
acceptable to Netgateway, with all data necessary for Netgateway to perform the
ongoing services to be provided hereunder. It is the sole responsibility of
Subscriber to insure the completeness and accuracy of such data.

   (b) Confidentiality. Netgateway acknowledges that all records, data, files
and other input material relating to Subscriber are confidential and shall take
reasonable steps to protect the confidentiality of such records, data, files and
other materials. Netgateway will provide reasonable security safeguards to limit
access to Subscriber's files and records to Subscriber and other authorized
parties.

   (c) Protection of Subscriber Files. Netgateway will take reasonable steps to
protect against the loss or alteration of Subscriber's files, records and data
retained by Netgateway, but Subscriber recognizes that events beyond the control
of Netgateway may cause such loss or alteration. Netgateway will maintain backup
file(s) containing all the data, files and records related to Subscriber.
Subscriber's file(s), records and data shall, at no cost to Subscriber, be
released to Subscriber on an occurrence that renders Netgateway unable to
perform hereunder, or upon the termination of this Agreement as provided herein.

   (d) Ownership of Data. Netgateway acknowledges that all records, data, files
and other input material relating to Subscriber and its customers are the
exclusive property of the Subscriber.

2.          FEES AND BILLING.

   2.1 Fees. Subscriber will pay all fees and amounts in accordance with the
eCommerce Service Provider Forms.

   2.2 Billing Commencement. The Initial Development Fee shall be due and
payable in accordance with the terms set forth on the eCommerce Services Order
Form. Billing for eCommerce Services indicated in the eCommerce Services Order
Form (including the eCommerce Rate, Fees Per Hit, Banner Advertising Revenue and
Click Through Revenue, as applicable) other than the Initial Development Fee,
shall commence on the "Operational Date" indicated in the eCommerce Services
Order Form. In the event that Subscriber orders other eCommerce Services in
addition to those listed in the initial eCommerce Services Order Form, billing
for such services shall commence on the date Netgateway first provides such
additional eCommerce Services to Subscriber or as otherwise agreed to by
Subscriber and Netgateway in the applicable eCommerce Services Order Form.

   2.3 Billing and Payment Terms. All amounts due under this Agreement for
eCommerce Services indicated in the eCommerce Services Order Form shall be
payable in accordance with the Billing and Payment Terms set forth on Exhibit
"B" annexed hereto, which by this reference is made a part hereof.

   2.4 Taxes, Utilities and Exclusions. All charges shall be exclusive of any
federal, state or local sales, use, excise, ad valorem or personal property
taxes levied, or any fines, forfeitures or penalties assessed in connection
therewith, as a result of this Agreement or the installation or use of the
eCommerce Services provided hereunder. Any such taxes shall be paid by
Subscriber or by Netgateway for Subscriber's account, in which case Subscriber
shall reimburse Netgateway for amounts so paid. Netgateway shall provide
burstible at 1 megabit per second capacity bandwith for Subscriber's website at
no additional charge. Should Subscriber need additional bandwidth, Netgateway
shall provide or make arrangements to provide such additional bandwidth and
invoice Subscriber for such excess bandwidth and/or use beyond a 1 megabit per
second burstible line. Netgateway will provide traffic reports to Subscriber
with respect to burstible capacity. Netgateway is not responsible for providing
connectivity to Subscriber's offices.

3.          SUBSCRIBER'S OBLIGATIONS.

   3.1 Compliance with Laws and Rules and Regulations. Subscriber agrees that
Subscriber will comply at all times with all applicable laws and regulations and
Netgateway's general rules and regulations relating to its provision of
eCommerce Services, currently included herein as Section 10, which may be
updated and provided by Netgateway to Subscriber from time to time ("Rules and
Regulations"). Subscriber acknowledges that Netgateway exercises no control
whatsoever over the content contained in or passing through the Subscriber's web
site, storefront or mall ("ECommerce Centers"), and that it is the sole
responsibility of Subscriber to ensure that the information it transmits and
receives complies with all applicable laws and regulations.

   3.2 Access and Security. Subscriber will be fully responsible for any
charges, costs, expenses (other than those included in the eCommerce Services),
and third party claims that may result from its use of, or access to, the
Netgateway Internet Commerce Center(TM), including, but not limited to, any
unauthorized use or any access devices provided by Netgateway hereunder.

NETGATEWAY /B2BSTORES.COM
Electronic Commerce  Services Agreement                                  Page 1

<PAGE>

   3.3 No Competitive Services.  Subscriber may not at any time permit any
eCommerce Services to be utilized by Subscriber for the provision of any
services that compete with any Netgateway services, without Netgateway's prior
written consent.

   3.4 Insurance.

   (a) Minimum Levels. Within six (6) months of the date of this Agreement (the
last day of such period, the "Insurance Due Date"), Subscriber shall obtain and
keep in full force and effect during the term of this Agreement: (i)
comprehensive general liability insurance in an amount not less than $5 million
per occurrence for bodily injury and property damage; (ii) employer's liability
insurance in an amount not less than $1 million per occurrence; and (iii)
workers' compensation insurance in an amount not less than that required by
applicable law. Subscriber also agrees that it will be solely responsible for
ensuring that its agents (including contractors and subcontractors) maintain,
other insurance at levels no less than those required by applicable law and
customary in Subscriber's industry.

   (b) Certificates of Insurance. On or prior to the Insurance Due Date,
Subscriber will furnish Netgateway with certificates of insurance which evidence
the minimum levels of insurance set forth above, and will notify Netgateway in
writing in the event that any such insurance policies are cancelled.

   (c) Naming Netgateway as an Additional Insured. Subscriber agrees that on or
prior to the Insurance Due Date, Subscriber will cause its insurance provider(s)
to name Netgateway as an additional insured and notify Netgateway in writing of
the effective date thereof.

4. CONFIDENTIAL INFORMATION.

   4.1 Confidential Information. Each party acknowledges that it will have
access to certain confidential information of the other party concerning the
other party's business, plans, customers, technology and products, including the
terms and conditions of this Agreement ("Confidential Information").
Confidential Information will include, but not be limited to, each party's
proprietary software and customer information. Each party agrees that it will
not use in any way, for its own account or the account of any third party,
except as expressly permitted by this Agreement, nor disclose to any third party
(except as required by law or to that party's attorneys, accountants and other
advisors on a need to know basis), any of the other party's Confidential
Information and will take reasonable precautions to protect the confidentiality
of such Confidential Information.

   4.2 Exceptions. Information will not be deemed Confidential Information
hereunder if such information: (i) is known to the receiving party prior to
receipt from the disclosing party directly or indirectly from a source other
than one having an obligation of confidentiality to the disclosing party; (ii)
becomes known (independently of disclosure by the disclosing party) to the
receiving party directly or indirectly from a source other than one having an
obligation of confidentiality to the disclosing party; (iii) becomes publicly
known or otherwise ceases to be secret or confidential, except through a breach
of this Agreement by the receiving party; or (iv) is independently developed by
the receiving party.

5.   REPRESENTATIONS AND WARRANTIES.

   5.1  Warranties by Subscriber.

   (a) Subscriber's Business. Subscriber represents and warrants that:

         (i) Subscriber's services, products, materials, data and information
used by Subscriber in connection with this Agreement as well as Subscriber's and
its permitted customers' and users' use of the eCommerce Services (collectively,
"Subscriber's Business") does not, as of the Operational Date, and will not
during the term of this Agreement, operate in any manner that would violate any
applicable laws or regulations.

         (ii) Subscriber owns or has the right to use all material contained in
the Subscriber's web site, including all text, graphics, sound, video,
programming, scripts and applets; and

         (iii) The use, reproduction, distribution and transmission of the web
site, or any information or materials contained in it does not: (A) infringe or
misappropriate any copyright, patent, trademark, trade secret or any other
proprietary rights of a third party; or (B) constitute false advertising, unfair
competition, defamation, an invasion of privacy or violate a right of publicity.

   (b) Rules and Regulations. Subscriber has read the Rules and Regulations
(Section 10 below) and represents and warrants that Subscriber and Subscriber's
Business are currently in full compliance with the Rules and Regulations, and
will remain so at all times during the term of this Agreement.

   (c) Breach of Warranties. In the event of any breach, or reasonably
anticipated breach, of any of the foregoing warranties, in addition to any other
remedies available at law or in equity, Netgateway will have the right
immediately in Netgateway's reasonable discretion, to suspend any related
eCommerce Services if deemed reasonably necessary by Netgateway to prevent any
harm to Netgateway or its business.

   5.2  Warranties and Disclaimers by Netgateway.

   (a) No Other Warranty. THE ECOMMERCE SERVICES ARE PROVIDED ON AN "AS IS"
BASIS, AND SUBSCRIBER'S USE OF THE ECOMMERCE SERVICES IS AT ITS OWN RISK.
NETGATEWAY DOES NOT MAKE, AND HEREBY DISCLAIMS, ANY AND ALL OTHER EXPRESS AND/OR
IMPLIED WARRANTIES, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF
MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NONINFRINGEMENT AND TITLE,
AND ANY WARRANTIES ARISING FROM A COURSE OF DEALING, USAGE OR TRADE PRACTICE.
NETGATEWAY DOES NOT WARRANT THAT THE ECOMMERCE SERVICES WILL BE UNINTERRUPTED,
ERROR-FREE OR COMPLETELY SECURE.

   (b) Disclaimer of Actions Caused by and/or Under the Control of Third
Parties. NETGATEWAY DOES NOT AND CANNOT CONTROL THE FLOW OF DATA TO OR FROM
NETGATEWAY'S INTERNET COMMERCE CENTER AND OTHER PORTIONS OF THE INTERNET. SUCH
FLOW DEPENDS IN LARGE PART ON THE PERFORMANCE OF INTERNET SERVICES PROVIDED OR
CONTROLLED BY THIRD PARTIES. AT TIMES, ACTIONS OR INACTIONS CAUSED BY THESE
THIRD PARTIES CAN PRODUCE SITUATIONS IN WHICH NETGATEWAY'S SUBSCRIBERS'
CONNECTIONS TO THE INTERNET (OR PORTIONS THEREOF) MAY BE IMPAIRED OR DISRUPTED.
ALTHOUGH NETGATEWAY WILL USE COMMERCIALLY REASONABLE EFFORTS TO TAKE ACTIONS IT
DEEMS APPROPRIATE TO REMEDY AND AVOID SUCH EVENTS, NETGATEWAY CANNOT GUARANTEE
THAT THEY WILL NOT OCCUR. ACCORDINGLY, NETGATEWAY DISCLAIMS ANY AND ALL
LIABILITY RESULTING FROM OR RELATED TO SUCH EVENTS.

6.         LIMITATIONS OF LIABILITY.

    6.1 Exclusions. IN NO EVENT WILL NETGATEWAY BE LIABLE TO ANY THIRD PARTY FOR
ANY CLAIMS ARISING OUT OF OR RELATED TO THIS AGREEMENT, SUBSCRIBER'S BUSINESS OR
OTHERWISE, AND ANY LOST REVENUE, LOST PROFITS, REPLACEMENT GOODS, LOSS OF
TECHNOLOGY, RIGHTS OR SERVICES, INCIDENTAL, PUNITIVE, INDIRECT OR CONSEQUENTIAL
DAMAGES, LOSS OF DATA, OR INTERRUPTION OR LOSS OF USE OF SERVICE OR SUBSCRIBER'S
BUSINESS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER UNDER
THEORY OF CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY OR OTHERWISE.

   6.2 Limitations. NETGATEWAY, ITS AFFILIATES, EMPLOYEES, OFFICERS AND AGENTS
SHALL NOT BE LIABLE TO SUBSCRIBER OR TO ANY THIRD PARTY FOR ANY LOSS OR DAMAGE,
WHETHER DIRECT OR INDIRECT, RESULTING FROM DELAYS OR INTERRUPTIONS OF SERVICE
DUE TO MECHANICAL ELECTRICAL OR WIRE DEFECTS OR DIFFICULTIES, STORMS, STRIKES,
WALK-OUTS, EQUIPMENT OR SYSTEMS FAILURES, OR OTHER CAUSES OVER WHICH NETGATEWAY,
ITS AFFILIATES, EMPLOYEES, OFFICERS, OR AGENTS AGAINST WHOM LIABILITY IS SOUGHT,
HAVE NO REASONABLE CONTROL, OR FOR LOSS OR DAMAGE, DIRECT OR INDIRECT, RESULTING
FROM INACCURACIES, ERRONEOUS STATEMENTS, ERRORS OF FACTS, OMISSIONS OR ERRORS IN
THE TRANSMISSION OR DELIVERY OF ECOMMERCE SERVICES, OR ANY DATA PROVIDED AS A
PART OF THE ECOMMERCE SERVICES PURSUANT TO THIS AGREEMENT, EXCEPT TO THE EXTENT
CAUSED BY THE GROSS NEGLIGENCE OR WILFUL MISCONDUCT OF NETGATEWAY. IN ADDITION,
IN NO EVENT SHALL NETGATEWAY BE LIABLE TO SUBSCRIBER OR TO ANY THIRD PARTY FOR
SPECIAL, INDIRECT, INCIDENTAL OR CONSEQUENTIAL LOSSES OR DAMAGES WHICH
SUBSCRIBER OR SUCH THIRD PARTY MAY INCUR OR EXPERIENCE ON ACCOUNT OF ENTERING
INTO OR RELYING ON THIS AGREEMENT OR UTILIZING THE NETGATEWAY ECOMMERCE
SERVICES, REGARDLESS OF WHETHER NETGATEWAY HAS BEEN ADVISED OF THE POSSIBILITY
OF SUCH DAMAGES OR WHETHER SUCH DAMAGES ARE CAUSED, IN WHOLE OR IN PART, BY THE
NEGLIGENCE OF NETGATEWAY.

   6.3 Maximum Liability. NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THIS
AGREEMENT, IN ALL CASES ARISING FROM EVENTS OCCURRING DURING THE TERM OF THIS
AGREEMENT, WHETHER BASED UPON TORT, CONTRACT WARRANTY, INDEMNITY CONTRIBUTION OR
OTHERWISE, DAMAGES SHALL BE LIMITED TO, AND SUBSCRIBER AGREES NOT TO MAKE ANY
CLAIM OR CLAIMS EXCEEDING [****], REGARDLESS OF HOW MANY CLAIMS SUBSCRIBER MAY
HAVE.

   6.4 Time For Making Claims. ANY SUIT OR ACTION BY SUBSCRIBER AGAINST
NETGATEWAY, ITS AFFILIATES, OFFICERS, DIRECTORS, AGENTS, EMPLOYEES, SUCCESSORS
OR ASSIGNS, BASED UPON ANY ACT OR OMISSION ARISING OUT OF OR RELATING TO THIS
AGREEMENT, OR SERVICES PERFORMED HEREUNDER, OR ANY ALLEGED BREACH THEREOF, SHALL
BE COMMENCED WITHIN TWO (2) YEARS OF THE FIRST OCCURRENCE GIVING RISE TO SUCH
CLAIM OR BE FOREVER BARRED. THIS PROVISION DOES NOT MODIFY OR OTHERWISE AFFECT
THE LIMITATION OF NETGATEWAY'S LIABILITY SET FORTH IN SECTION 6 OR ELSEWHERE IN
THIS AGREEMENT.

   6.5  Subscriber's Insurance.  [Reserved].

   6.6 Basis of the Bargain; Failure of Essential Purpose. Subscriber
acknowledges that Netgateway has set its prices and entered into this Agreement
in reliance upon the limitations of liability and the disclaimers of warranties
and damages set forth herein, and that the same form an essential basis of the
bargain between the parties. The parties agree that the limitations and
exclusions of liability and disclaimers specified in this Agreement will survive
and apply even if found to have failed of their essential purpose.

7. INDEMNIFICATION.

   7.1 Netgateway's Indemnification of Subscriber. Netgateway will indemnify,
defend and hold Subscriber harmless from and against any and all costs,
liabilities, losses and expenses (including, but not limited to, reasonable
attorneys' fees) (collectively, "Losses") resulting from any claim, suit, action
or proceeding (each, an "Action") brought against Subscriber alleging the
infringement of any third party registered U.S. copyright or issued U.S. patent
resulting from the provision of eCommerce Services

NETGATEWAY /B2BSTORES.COM
Electronic Commerce  Services Agreement                                  Page 2

<PAGE>

pursuant to this Agreement (but excluding any infringement contributorily caused
by Subscriber's Business).

   7.2 Subscriber's Indemnification of Netgateway. Subscriber will indemnify,
defend and hold Netgateway, its affiliates and customers harmless from and
against any and all Losses resulting from or arising out of Subscriber's breach
of any provision of this Agreement or any Action brought against Netgateway, its
directors, employees, affiliates or Subscribers alleging with respect to the
Subscriber's Business: (a) infringement or misappropriation of any intellectual
property rights; (b) defamation, libel, slander, obscenity, pornography or
violation of the rights of privacy or publicity; (c) spamming, or any other
offensive, harassing or illegal conduct or violation of the Rules and
Regulations; or, (d) any violation of any other applicable law or regulation.

   7.3 Notice. Each party will provide the other party, prompt written notice of
the existence of any such indemnifiable event of which it becomes aware, and an
opportunity to participate in the defense thereof.

8. DISPUTE RESOLUTION.

   8.1 Procedures. It is the intent of the parties that all disputes arising
under this Agreement be resolved expeditiously, amicably, and at the level
within each party's organization that is most knowledgeable about the disputed
issue. The parties understand and agree that the procedures outlined in this
Paragraph 8 are not intended to supplant the routine handling of inquiries and
complaints through informal contact with customer service representatives or
other designated personnel of the parties. Accordingly, for purposes of the
procedures set forth in this paragraph, a "dispute" is a disagreement that the
parties have been unable to resolve by the normal and routine channels
ordinarily used for such matters. Before any dispute arising under this
Agreement, other than as provided in paragraph 8.5 below, may be submitted to
arbitration, the parties shall first follow the informal and escalating
procedures set forth below.

   (a) The complaining party's representative will notify the other party's
representative in writing of the dispute, and the non-complaining party will
exercise good faith efforts to resolve the matter as expeditiously as possible.

   (b) In the event that such matter remains unresolved thirty (30) days after
the delivery of the complainant party's written notice, a senior representative
of each party shall meet or confer within ten (10) business days of a request
for such a meeting or conference by either party to resolve such matter.

   (c) In the event that the meeting or conference specified in (b) above does
not resolve such matter, the senior officer of each party shall meet or confer
within ten (10) business days of the request for such a meeting or conference by
either party to discuss and agree upon a mutually satisfactory resolution of
such matter.

   (d) If the parties are unable to reach a resolution of the dispute after
following the above procedure, or if either party fails to participate when
requested, the parties may proceed in accordance with paragraph 8.2 below.

   8.2 Binding Arbitration. Except as provided in paragraph 8.5 below, any
dispute arising under this Agreement shall, after utilizing the procedures in
paragraph 8.1, be resolved by final and binding arbitration in Los Angeles,
California, before a single arbitrator selected by, and in accordance with, the
rules of commercial arbitration of the American Arbitration Association or as
otherwise provided in Paragraph 11.6. Each party shall bear its own costs in the
arbitration, including reasonable attorneys' fees, and each party shall bear
one-half of the cost of the arbitrator.

   8.3 Arbitrator's Authority. The arbitrator shall have the authority to award
such damages as are not prohibited by this Agreement and may, in addition and in
a proper case, declare rights and order specific performance, but only in
accordance with the terms of this Agreement.

   8.4 Enforcement of Arbitrator's Award. Any party may apply to a court of
general jurisdiction to enforce an arbitrator's award, and if enforcement is
ordered, the party against which the order is issued shall pay the costs and
expenses of the other party in obtaining such order, including reasonable
attorneys' fees.

   8.5 Access to Courts. Notwithstanding the provisions of paragraphs 8.1 and
8.2 above, any action by Netgateway to enforce its rights under Paragraphs 10.1
or 10.3 of this Agreement or to enjoin any infringement of the same by
Subscriber may, at Netgateway's election, be commenced in the state or federal
courts of Los Angeles, California, and Subscriber consents to personal
jurisdiction and venue in such courts for such actions.

9. TERM AND TERMINATION.

   9.1 Term. This Agreement will be effective on the date first above written
and will terminate eighteen (18) months ("Initial Term") from the date
Subscriber begins processing live data through the Netgateway ICC(TM), unless
earlier terminated according to the provisions of this Section 9. This Agreement
will automatically renew for successive additional terms of one (1) year unless
a party hereto elects not to so renew and notifies the other party in writing of
such election by a date which is six (6) months prior to the lapse of the
Initial Term or any renewal term thereafter.

   9.2 Termination. Either party will have the right to terminate this Agreement
if: (i) the other party breaches any material term or condition of this
Agreement and fails to cure such breach within thirty (30) days after receipt of
written notice of the same, except in the case of failure to pay fees, which
failure must be cured within five (5) days after receipt of written notice from
Netgateway; (ii) the other party becomes the subject of a voluntary petition in
bankruptcy or any voluntary proceeding relating to insolvency, receivership,
liquidation or composition for the benefit of creditors; or(iii) the other party
becomes the subject of an involuntary petition in bankruptcy or any involuntary
proceeding relating to insolvency, receivership, liquidation or composition for
the benefit of creditors, if such petition or proceeding is not dismissed within
sixty (60) days of filing. Subscriber shall have the right to terminate the
Agreement if the Netgateway servers which provide eCommerce Services hereunder
experience more than two percent (2%) down-time measured on an annual basis;
provided, however, that down-time shall not include time expended on regularly
scheduled maintenance and other system upgrades.

   9.3 No Liability for Termination. Neither party will be liable to the other
for any termination or expiration of this Agreement in accordance with its
terms.

   9.4 Effect of Termination. Upon the effective date of expiration or
termination of this Agreement: (a) Netgateway shall immediately cease providing
eCommerce Services; (b) any and all payment obligations of Subscriber under this
Agreement shall become due immediately; and (c) within thirty (30) days after
such expiration or termination, each party shall return all Confidential
Information of the other party in its possession at the time of expiration or
termination and shall not make or retain any copies of such Confidential
Information, except as required to comply with any applicable legal or
accounting record keeping requirements.

   9.5 Survival.  The following provisions shall survive any expiration or
termination of the Agreement:  Sections 2, 3, 4, 5, 6, 7, 8, 9 and 10.

10. USE OF ECOMMERCE SERVICES - RULES AND REGULATIONS.

   10.1 Proprietary Systems. Subscriber acknowledges that the software systems
utilized by Netgateway in the provision of eCommerce Services hereunder,
including the Netgateway ICC(TM), all enhancements thereto and all screens and
formats used in connection therewith, are the exclusive proprietary property of
Netgateway, and Subscriber shall not publish, disclose, display, provide access
to or otherwise make available any Netgateway eCommerce software or products
thereof, or any screens, formats, reports or printouts used, provided, produced
or supplied from or in connection therewith, to any person or entity other than
an employee of Subscriber without the prior written consent of, and on terms
acceptable to, Netgateway, which consent shall not be unreasonably withheld;
provided, however, that Subscriber may disclose to a governmental or regulatory
agency or to customers of Subscriber any information expressly prepared and
acknowledged in writing by Netgateway as having been prepared for disclosure to
such governmental or regulatory agency or to such customers. Neither party shall
disclose Subscriber's use of eCommerce Services in any advertising or
promotional materials without the prior written consent to such use, and
approval of such materials, by the other.

   10.2 Use of Services Personal to Subscriber. Subscriber agrees that it will
use the services provided hereunder only in connection with its eCommerce
business, and it will not, without the express written permission of Netgateway,
sell, lease or otherwise provide or make available eCommerce Services to any
third party.

   10.3 Survival of Obligations. The obligations of this Section 10 shall
survive termination of this Agreement. Subscriber understands that the
unauthorized publication or disclosure of any of Netgateway' software or copies
thereof, or the unauthorized use of eCommerce Services would cause irreparable
harm to Netgateway for which there is no adequate remedy at law. Subscriber
therefore agrees that in the event of such unauthorized disclosure or use,
Netgateway may, at its discretion and at Subscriber's expense, terminate this
Agreement, obtain immediate injunctive relief in a court of competent
jurisdiction, or take such other steps as it deems necessary to protect its
rights. If Netgateway, in its reasonable, good faith judgment, determines that
there is a material risk of such unauthorized disclosure or use, it may demand
immediate assurances, satisfactory to Netgateway, that there will be no such
unauthorized disclosure or use. In the absence of such assurance, Netgateway may
immediately terminate this Agreement and take such other actions as it deems
necessary. The rights of Netgateway hereunder are in addition to any other
remedies provided by law.

11.  MISCELLANEOUS PROVISIONS.

   11.1 Force Majeure. Except for the obligation to pay money, neither party
will be liable for any failure or delay in its performance under this Agreement
due to any cause beyond its reasonable control, including act of war, acts of
God, earthquake, flood, embargo, riot, sabotage, labor shortage or dispute,
governmental act or failure of the Internet, provided that the delaying party:
(a) gives the other party prompt notice of such cause, and (b) uses its
reasonable commercial efforts to correct promptly such failure or delay in
performance.

   11.2 No Lease. This Agreement is a services agreement and is not intended to,
and will not constitute, a lease of any real or personal property. Subscriber
acknowledges and agrees that: (i) it has been granted only a license to use
Netgateway's ICC(TM) and any equipment provided by Netgateway in accordance with
this Agreement, (ii) Subscriber has not been granted any real property interest
in the Netgateway's ICC(TM), and (iii)

NETGATEWAY /B2BSTORES.COM
Electronic Commerce  Services Agreement                                  Page 3

<PAGE>

Subscriber has no rights as a tenant or otherwise under any real property or
landlord/tenant laws, regulations or ordinances.

   11.3 Marketing. Subscriber agrees that Netgateway may refer to Subscriber by
trade name and trademark, and may briefly describe Subscriber's business, in
Netgateway's marketing materials and web site. Subscriber hereby grants
Netgateway a license to use any Subscriber trade names and trademarks solely in
connection with the rights granted to Netgateway pursuant to this Section 11.3.

   11.4 Government Regulations. Subscriber will not export, re-export, transfer
or make available, whether directly or indirectly, any regulated item or
information to anyone outside the U.S. in connection with this Agreement without
first complying with all export control laws and regulations which may be
imposed by the U.S. Government and any country or organization of nations within
whose jurisdiction Subscriber operates or does business.

   11.5 Non-Solicitation. Except with the prior consent of Netgateway, which
consent shall not be unreasonably withheld, during the period beginning on the
Operational Data and ending on the first anniversary of the termination or
expiration of this agreement in accordance with its terms, Subscriber agrees
that it will not, and will ensure that its affiliates do not, directly or
indirectly, solicit or attempt to solicit for employment any persons employed by
Netgateway during such period.

   11.6 Governing Law; Dispute Resolution, Severability; Waiver. This Agreement
is made under and will be governed by and construed in accordance with the laws
of the State of California (without regard to that body of law controlling
conflicts of law) and specifically excluding from application to this Agreement
that law known as the United Nations Convention on the International Sale of
Goods. Any dispute relating to the terms, interpretation or performance of this
Agreement (other than claims for preliminary injunctive relief or other
pre-judgment remedies) will be resolved at the request of either party through
binding arbitration. Arbitration will be conducted in Los Angeles County,
California, under the rules and procedures of the Judicial Arbitration and
Mediation Society ("JAMS"). The parties will request that JAMS appoint a single
arbitrator possessing knowledge of online services agreements; provided,
however, the arbitration will proceed even if such a person is unavailable. In
the event any provision of this Agreement is held by a tribunal of competent
jurisdiction to be contrary to the law, the remaining provisions of this
Agreement will remain in full force and effect. The waiver of any breach or
default of this Agreement will not constitute a waiver of any subsequent breach
or default, and will not act to amend or negate the rights of the waiving party.

   11.7 Assignment; Notices. Subscriber may not assign its rights or delegate
its duties under this Agreement either in whole or in part without the prior
written consent of Netgateway, except that Subscriber may assign this Agreement
in whole as part of a corporate reorganization, consolidation, merger or sale of
substantially all of its assets. Any attempted assignment or delegation without
such consent will be void. Netgateway may assign this Agreement in whole or
part. This Agreement will bind and inure to the benefit of each party's
successors and permitted assigns. Any notice or communication required or
permitted to be given hereunder may be delivered by hand, deposited with an
overnight courier, sent by confirmed facsimile, or mailed by registered or
certified mail, return receipt requested, postage prepaid, in each case to the
address of the receiving party indicated on the signature page hereof, or at
such other address as may hereafter be furnished in writing by either party
hereto to the other. Such notice will be deemed to have been given as of the
date it is delivered, mailed or sent, whichever is earlier.

   11.8 Relationship of Parties. Netgateway and Subscriber are independent
contractors and this Agreement will not establish any relationship of
partnership, joint venture, employment, franchise or agency between Netgateway
and Subscriber. Neither Netgateway nor Subscriber will have the power to bind
the other or incur obligations on the other's behalf without the other's prior
written consent, except as otherwise expressly provided herein.

   11.9 Entire Agreement; Counterparts. This Agreement, including all documents
incorporated herein by reference, constitutes the complete and exclusive
agreement between the parties with respect to the subject matter hereof, and
supersedes and replaces any and all prior or contemporaneous discussions,
negotiations, understandings and agreements, written and oral, regarding such
subject matter. This Agreement may be executed in two or more counterparts, each
of which will be deemed an original, but all of which together shall constitute
one and the same instrument.

Subscriber's and Netgateway's authorized representatives have read the foregoing
and all documents incorporated therein and agree and accept such terms effective
as of the date first above written.

SUBSCRIBER

Signature:   /s/ Woo Jin Kim                   Signature:
           ---------------------------                   -----------------------

Print Name:  Woo Jin Kim                       Print Name: _____________________

Title:       CEO

NETGATEWAY

Signature:   /s/ Donald M. Corliss, Jr.        Signature:
           ----------------------------                  -----------------------

Print Name:  Donald M. Corliss, Jr.            Print Name: _____________________

Title:       President

NETGATEWAY /B2BSTORES.COM
Electronic Commerce  Services Agreement                                  Page 4

<PAGE>

                                   EXHIBIT "A"

                     ELECTRONIC COMMERCE SERVICES ORDER FORM

                                   NETGATEWAY

                          ECOMMERCE SERVICES ORDER FORM

Subcriber Name:   B2BSTORES.COM INC.

Form Date:                July 28, 1999

Form No.:                 001

GENERAL INFORMATION:

1.       By submitting this eCommerce Services Order Form ("Form") to
         Netgateway, Subscriber hereby places an order for the eCommerce
         Services described herein pursuant to the terms and conditions of the
         Electronic Commerce Services Agreement between Subscriber and
         Netgateway prefixed hereto (the "ECS Agreement").

2.       Billing, with the exception of Development Fees, will commence on the
         Operational Date set forth below or the date that Subscriber first
         begins to process transactions through the Netgateway Internet Commerce
         Center, whichever occurs first.

3.       Netgateway will provide the eCommerce Services pursuant to the terms
         and conditions of the ECS Agreement, which incorporates this Form. The
         terms of this Form supersede, and by accepting this Form, Netgateway
         hereby rejects, any conflicting or additional terms provided by
         Subscriber in connection with Netgateway's provision of the eCommerce
         Services. If there is a conflict between this Form and any other Form
         provided by Customer and accepted by Subscriber, the Form with the
         latest date shall control.

4.       Netgateway will not be bound by or required to provide eCommerce
         Services pursuant to this Form or the ECS Agreement until each is
         signed by an authorized representative of Netgateway.

SUBSCRIBER HAS READ, UNDERSTANDS AND HEREBY SUBMITS THIS ORDER.

Submitted By:  /s/ Woo Jin Kim             Operational Date:  8/9/99

                     (Authorized Signature)

Print Name:       Woo Jin Kim

Title:            CEO

                              Netgateway Acceptance
                              ---------------------

/s/ Donald M. Corliss, Jr.                  Date: 8/9/99
----------------------------------------         ------------------------------

(Authorized Signature:

<PAGE>

                                  NETGATEWAY
                        ECOMMERCE SERVICES ORDER FORM

Subscriber Name:      B2BSTORES.COM INC.
Form Date:            July 28, 1999
Form No.:             001

Terms:

1. Development Fee.  The initial development fee for the B2BSTORES.COM and
ENVIROGOODS.COM internet commerce system shall be [****] and shall be due and
payable in full upon submission of this Order Form.

2. Phase Specifications.  Phase specifications shall be as set forth on Schedule
A annexed hereto.

3. ICC Commerce Rate.  Netgateway shall be entitled to transaction fees based
upon the following schedule:

     Annual Gross Sales Revenue                   Transaction Fee Rate
     -----------------------------------------------------------------

     $ 0 to $25,000,000                           [****]
       25,000,001 to 50,000,000                   [****]
       50,000,001 to $100,000,000                 [****]
       100,000,001 and over                       [****]

For purposes hereof, gross sales revenue shall mean all revenues generated from
transactions processed through the Netgateway Internet Commerce Center which are
related to Subscriber.

4. Fee Per Hit.  Netgateway to receive [****] per hit (as that term is
customarily understood in the industry).

5. Banner Advertising Revenue.  Netgateway to receive 50% of all banner
advertising revenue from ads placed by Subscriber or Netgateway on Subscriber's
web site or mall.

6. Click-Through Revenue.  Netgateway to receive 50% of all click-through
revenue generated from advertisers placed by Subscriber or Netgateway on
Subscriber's web site or mall.

7. Development Timeline:  The B2BSTORES.COM internet commerce center shall be
fully operational on or before August 9, 1999.

8. Public Announcements: B2BSTORES.COM understands that Netgateway is a public
company and can be affected by the manner or content of public announcements
concerning this relationship.  Neither party shall make any public announcement
of this Agreement or of the relationship they have entered into without the
prior written consent of the other.

                                                 Subscriber's initials ______

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