Document:

MEDIACOMM BROADCASTING SYSTEMS, INC.
                                d/b/a SHOPBIZ.COM

                                Exhibit No. 10.14
                             Stock Option Agreement
                               with Chris Trujillo

<PAGE>

                      MEDIACOMM BROADCASTING SYSTEMS, INC.
                             STOCK OPTION AGREEMENT

     THIS STOCK OPTION AGREEMENT (the "Agreement") is made and entered into as
of November 30th, 1999 (the "Date of Grant"), by and between MediaComm
Broadcasting Systems, Inc., a Colorado corporation (the "Company"), and Chris
Trujillo ("Optionee").

                                   WITNESSETH:

     WHEREAS, effective November 30th, 1999, the Board of Directors determined
that the Optionee should receive an option to purchase shares of the Company's
Common Stock under the Company's Non-Qualified Stock Option and Stock Grant Plan
in order to provide the Optionee with an opportunity for investment in the
Company and additional incentive to pursue the success of the Company, said
option to be for the number of shares, at the price per share and on the terms
set forth in this Agreement; and

     WHEREAS, Optionee desires to receive an option on the terms and conditions
set forth in this Agreement and agrees to perform the services requested by the
Company.

     NOW, THEREFORE, the parties agree as follows:

     1. Stock Option Plan. This agreement is granted pursuant to, and is subject
to the terms and conditions of the MediaComm Broadcasting Systems Non-Qualified
Stock Option and Stock Grant Plan dated March 1, 1999 (the "Plan"). All
conditions of the Plan, except as may be modified herein, shall govern the
rights of Optionee under this Agreement.

     2. Grant of Option. The Company hereby grants to Optionee, as a matter of
separate agreement and not in lieu of salary or any other compensation for
service, and subject to the vesting schedule set forth in Section 3, the right
and option (the "Option") to purchase all or any part of an aggregate of 75,000
shares of reserved authorized and unissued no par value Common Stock of the
Company subject to adjustment as hereinafter set forth (the "Option Shares"),
pursuant to the terms and conditions set forth in this Agreement.

     3. Vesting Schedule. The grant of the Option is subject to a vesting
schedule hereinafter set forth and is dependent on the Optionee remaining an
employee of the Company at all times during the time set forth in such vesting
schedule, subject only to vacation, sick leave, leaves of absence and other
absence permitted by the Company in accordance with its policies applicable
generally to employees. Optionee became an employee of the Company on or about
November 1st, 1999. Accordingly, the vesting schedule to which the grant of the
Option shall be subject as is follows:

<PAGE>

              Number of Shares                        Date Exercisable
              ----------------                        ----------------

                   15,000                             November 30, 2000
                   15,000                             November 30, 2001
                   15,000                             November 30, 2002
                   15,000                             November 30, 2003
                   15,000                             November 30, 2004

Separation from employment by Optionee for any reason prior to any of the
foregoing dates shall void any options not vested prior thereto. Any options
previously vested shall also be subject to the terms and conditions of Section 7
hereof.

     4. Option Price. At any time when shares are to be purchased pursuant to
the Option, the purchase price for each Option Share shall be $0.75 subject to
adjustment as hereinafter set forth (the "Option Price").

     5. Option Period. Subject to Section 7 hereof, the Option shall be
exercisable beginning on the date of vesting described in Section 3 and
continuing until November 30, 2005.

     65. Exercise of Option.

     (a) The Option may be exercised by delivering to the Company:

          (i) a Notice and Agreement of Exercise of Option, substantially in the
          form attached hereto as Exhibit A, specifying the number of Option
          Shares with respect to which the Option is exercised; and

          (ii) full payment in cash of the Option Price for such shares.

     (b) Notwithstanding the foregoing, an Option may not be exercised in part
unless the purchase price of the Option Shares purchased is at least $1,000.00.

     (c) Promptly upon receipt of the Notice and Agreement of Exercise and the
finial payment of the Option Price by the Optionee (including payment or
provision for payment of any applicable withholding or similar taxes), the
Company shall deliver to the Optionee a properly executed certificate or
certificates representing the Option Shares being purchased.

     (d) The Optionee shall report all sales of Option shares to the Company in
writing on a form prescribed by the Company. Based upon the report of sales
submitted by the Optionee, the Company may make any withholding required by
state or Federal income tax laws.

     7. Termination of Employment. Exercise of the Option shall at all times be
subject to the terms and conditions of Section 7 of the Plan, the terms and
conditions of which are incorporated herein by reference in their entirety. Such
provisions include acceleration of the exercise period in the event the Optionee
shall die, become disabled or otherwise separate from employment with the
Company. Optionee hereby acknowledges receipt of a copy of the Plan, and agrees
to be bound by the terms and conditions thereof, in addition to the terms and
conditions of this Agreement.

<PAGE>

     8. Transferability of Option. The Option shall not be transferable except
by will or the laws of descent and distribution, and any attempt to do so shall
void the Option. Any transfer by will or intestate laws shall be subject to the
provisions of Paragraph 7.

     9. Adjustment By Stock Split, Stock Dividend, Etc. If at any time the
Company increases or decreases the number of its outstanding shares of Common
Stock, or changes in any way the rights and privileges of such shares, by means
of the payment of a stock dividend or the making of any other distribution on
such shares payable in its Common Stock, or through a stock split or subdivision
of shares, or a consolidation or combination of shares, or through a
reclassification or recapitalization involving its Common Stock, the numbers,
rights, and privileges of the shares of Common Stock included in the Option
and/or the exercise price of the Option shall be increased, decreased or changed
in like manner so that the Optionee shall be entitled to substantially the same
rights as set forth in this Agreement.

     10. Common Stock To Be Received Upon Exercise. Optionee understands that
the Option Shares represent restricted securities within the meaning of the
Securities Act of 1933, have not been registered and that the Company is under
no obligation to register the Option Shares under the 1933 Act, and that in the
absence of any such registration, the Option Shares cannot be sold unless they
are sold pursuant to an exemption from registration under the Act. The Company
is under no obligation to comply, or to assist the Optionee in complying with
any exemption from such registration requirement, including supplying the
Optionee with any information necessary to permit routines sales of the Stock
under Rule 144 of the Securities and Exchange Commission. Optionee also
understands that with respect to Rule 144, routine sales of securities made in
reliance upon such Rule can only be made in limited amounts in accordance with
the terms and conditions of the Rule, and that in cases in which the Rule is
inapplicable, compliance with either Regulation A or another disclosure
exemption under the Act will be required. Thus, the Option Shares will have to
be held indefinitely in the absence of registration under the Act or an
exemption from registration.

     Furthermore the Optionee fully understands that the Option Shares have not
been registered under the Act and that they will be issued in reliance upon an
exemption which is available only if Optionee acquires such shares for
investment and not with a view to distribution. Optionee is familiar with the
phrase "acquired for investment and not with a view to distribution" as it
relates to the Act and the special meaning given to such term in various
releases of the Securities and Exchange Commission.

     The forgoing restrictions or notices thereof may be placed on the
certificates representing the Option Shares purchased pursuant to the Option and
the Company may refuse to issue the certificates or to transfer the shares on
its books unless it is satisfied that no violation of such restrictions will
occur.

<PAGE>

     11. Privilege of Ownership. Optionee shall not have any of the rights of a
shareholder with respect to the shares covered by the Option except to the
extent that one or more certificates for such shares shall be delivered to him
upon exercise of the Option.

     12. Notices. Any notices required or permitted to be given under this
Agreement shall be in writing and they shall be deemed to be given upon receipt
by sender or sender's return receipt for acknowledgment of delivery of said
notice by postage prepaid registered mail. Such notice shall be addressed to the
party to be notified as shown below:

         Company:          MediaComm Broadcasting Systems, Inc.
                           925 W. Kenyon #15
                           Englewood, Colorado 80112

         Optionee:         Chris Trujillo
                           5562 Xanadu Street
                           Denver, Colorado 80239

     Any party may change its address for purposes of this paragraph by giving
the other parties written notice of the new address in the manner set forth
above.

     13. Miscellaneous. This Agreement and the Plan constitutes the entire
understanding of the parties with respect to the subject matter herein. This
Agreement shall be governed by the laws of the State of Colorado. There are no
representations, promises, warranties, covenants or undertakings other than
those expressly set forth herein. No modification, waiver or termination of any
of the terms herein shall be valid unless in writing and executed with the same
formality as this Agreement. No waiver by either party of any breach or default
hereof by the other shall be deemed to be a waiver of any preceding or
succeeding breach or default hereof, and no waiver shall be operative unless the
same shall be in writing. The headings contained in this Agreement are for
convenience of reference only and shall not be deemed to alter or affect any
provision hereof. Should any provision of this agreement be declared invalid by
a court of competent jurisdiction, the remaining provisions hereof shall remain
in full force and effect regardless of such declaration. In the event of any
dispute or litigation between the parties, the prevailing party shall be
entitled to reasonable attorneys fees and costs. Time is of the essence.

     IN WITNESS WHEREOF, the parties have executed this Agreement on the dates
set forth below, to be effective as of the date and year first above written.

COMPANY:                                OPTIONEE:

MEDIACOMM BROADCASTING SYSTEMS, INC.
By:  Don Montague                       Chris Trujillo

/s/                                     /s/
----------------------------            -----------------------------
President

<PAGE>

                                    EXHIBIT A

                     TO MEDIACOMM BROADCASTING SYSTEMS, INC.

                             STOCK OPTION AGREEMENT

                      MEDIACOMM BROADCASTING SYSTEMS, INC.
                   NOTICE AND AGREEMENT OF EXERCISE OF OPTION

     I hereby exercise my MediaComm Broadcasting Systems, Inc. Stock Option
dated _______________ as to _________________ shares of MediaComm Broadcasting
Systems, Inc. no par value Common Stock (the "Option Shares").

     Enclosed are the documents and payment specified in Section 6 of my Option
Agreement. I understand that no Option Shares will be issued unless and until,
in the opinion of MediaComm Broadcasting Systems, Inc. (the "Company"), any
applicable registration requirements of the Securities Act of 1933, as amended,
any applicable listing requirements of any securities exchange on which stock of
the same class is then listed, and any other requirements of law or any
regulatory bodies having jurisdiction over such issuance and delivery, shall
have been fully complied with. I hereby acknowledge, represent, warrant and
agree, to and with the Company as follows:

     (a) The Option Shares I am purchasing are being acquired for my own account
for investment purposes only and with no view to their resale or other
distribution of any kind, and no other person (except, if I am married, my
spouse) will own any interest therein;

     (b) I will not sell or dispose of my Option Shares in violation of the
Securities Act of 1933, as amended, or any other applicable federal or state
securities laws;

     (c) If and so long as I am subject to reporting requirements under Section
16(a) of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), I
recognize that any sale by me or my immediate family of the Company's no par
value Common Stock within six months before the Date of Grant of my Stock Option
may create liability for me under Section 16(b) of the Exchange Act ("Section 16
(b)");

     (d) I have consulted with my counsel regarding the application of Section
16 (b) to this exercise of my Option;

     (e) I will consult with my counsel regarding the application of Section
16(b) before I make any sale of the Company' s no par value Common Stock,
including the Option Shares;

     (f) I will report all sales of Option Shares to the Company in writing on a
form prescribed by the Company;

     (g) I will assist the Company in the filing of a Form 4 with the Securities
and Exchange Commission and will timely file all reports that I may be required
to file under the federal securities laws; and

     (h) I agree that the Company may, without liability for its good faith
actions, place legend restrictions upon my Option Shares and issue "stop
transfer" instructions requiring compliance with applicable securities laws and
the terms of my Option.

______________________________

______________________________MEDIACOMM BROADCASTING SYSTEMS, INC.
                                d/b/a SHOPBIZ.COM

                                Exhibit No. 10.15
                          National State BankCard, Inc.
                                    Agreement

<PAGE>

                          National State BankCard, Inc.
                               Englewood, Colorado
                              Merchant Application

                                                       Office No.______
                                                       Agent Name: John D. West
                                                       Agent No.: 006

Business Name: (Doing Business As): Shopbiz.com
Address: 925 W. Kenyon Ave #15
         Englewood, CO 80110
Fax Number: (303) 962-6448
Phone Number: (303) 762-6444
Merchandise/Service Sold: Retail Products; Luggage, Tents, etc.
Federal Tax I.D. Number: 841474784

Merchant Profile
----------------

Type of Ownership: Corporation
Date started business: September, 1998
Has This Business or Any Associated Principal Been Terminated as a
     Vis/MasterCard Merchant?  No
Has Merchant or any Associated Principal disclosed below filed bankruptcy
     or been subject to any involuntary bankruptcy?  No
Previous Owner: Not applicable

Visa/MasterCard Information
---------------------------

Card Swiped: 10%                          Average Ticket: $80.00
Manually Keyed: 10%                       High Ticket: $1000.00
Mail Order: -0-                           Average Monthly Volume: $10,000.00
Telephone Order: 80%                      High Monthly Volume: $10,000.00

Owners or Officers
------------------

Name and Tittle: Steve Montague, Director
Social Security No.: ###-##-####
Phone Number: (303) 210-4444
Residence Address: 2600 Raleigh St., Denver, CO 80212
Date of Birth: December 4, 1968
Personal Credit History: Good

References
----------

Trade Reference: Cygen Technologies, Inc.
     Contact: Justin Greip
     Phone No.: (303) 778-8241
Trade Reference: S & R Marketing
     Contact: Pat Rite
     Phone No.: (303) 504-0076
Bank Reference: Wells Fargo Bank

Merchant Site Survey Report (To be completed by sales representative)
---------------------------

Merchant location: Office building
Area Zone: Commercial
Square footage: 2000 plus
Does the amount of inventory and merchandise on shelves and floor
     Appear consistent with the type of business: yes
The Merchant: Owns business premises
Whom does the Merchant lease from: Not applicable
Nearest major streets or highways: Hampden and Broadway
Photo attached: yes
Further comments by Inspector (Must Complete): Great Long Term Business

<PAGE>

     I hereby certify that this application has been fully completed by Merchant
and that I have physically inspected the business premises of the Merchant at
this address and the information stated above is true and correct to the best of
my knowledge and belief.

                                             John D. West
                                             Agent Name

                                             /s/__________________________
                                                Signature
                                                Agent #006
                                                Date: 9/9/98

                          MERCHANT PROCESSING AGREEMENT

In consideration of the mutual covenants herein ("Acquirer") and the undersigned
merchant ("Merchant") have agreed as follows as of the date of acceptance by
Acquirer's authorized representative noted below.

Article 1 CARD TRANSACTIONS

1.01 HONORING CARDS
-------------------

(a)  Merchant shall honor without discrimination all valid cards of the type(s)
     checked below ("Cards") when properly presented as payment by customers in
     connection with bona fide legitimate business transaction. If Merchant does
     not deal with the public at large (such as in the case of a private club),
     Merchant shall be deemed to have complied with this non-discrimination rule
     if it honors all valid Cards of customers who have purchasing privileges or
     memberships with Merchant.

(b)  Merchant shall not require through an Increase in price or otherwise any
     cardholder to pay any surcharge at the time of sale or to pay any part of
     any charge imposed on Merchant by Acquirer. (Discounts for payment in cash,
     however, are permitted.)

(c)  Merchant shall not establish minimum or maximum transaction amounts.

(d)  Merchant shall not require a cardholder to provide identification
     information such as telephone number, address or driver's license number as
     a condition of completing a transaction, unless such identification is
     required by Mastercard International, Inc. ("Mastercard") or Visa USA, Inc.
     ("Visa") rules and regulations and is permitted by the law of the state in
     which the transaction takes place for example in mail order transactions.

(e)  Merchant may not make a photocopy of a card under any circumstances nor
     request that the cardholder provide a photocopy of the VISA card as a
     condition for honoring the card.

<PAGE>

1.02 ADVERTISING
----------------

(a)  Merchant shall display adequately any advertising or promotional material
     provided or required by Acquirer to inform the public that Cards will be
     honored at Merchant's place of business. Such displays, however, are not
     required of private clubs and other Merchants that do not deal with the
     general public, vehicle leasing companies at airport locations,
     transportation companies subject to government regulation or other
     Merchants expressly exempted from the requirement by MasterCard and/or
     Visa, as applicable.

(b)  Merchant shall not display or use advertising or promotional materials
     containing Acquirer's name or symbol which might cause a customer to assume
     that Merchant honors only Cards issued by Acquirer.

(c)  Merchant shall have the right to use or display the proprietary names and
     symbols associated with Cards only when this Agreement is in effect or
     until Merchant is notified by Acquirer or any appropriate bank card
     organization to cease such usage.

(d)  Merchant shall comply with all applicable Mastercard and Visa rules and
     regulations concerning the use of service marks and copyrights owned by
     MasterCard or Visa.

(e)  Merchant shall use the proprietary names and symbols associated with Cards
     only to indicate that Cards are accepted for payment and shall not
     indicate, directly or indirectly, that Acquirer, MasterCard, Visa or any
     bankcard organization endorses Merchants products or services.

(f)  Merchant shall not refer to MasterCard or Visa in stating eligibility for
     its products, services or memberships.

1.03 Card Examination
---------------------

(a)  Merchant agrees to examine any card security features (such as hologram)
     included on the Card. Merchant shall compare the embossed account number on
     the face of the Card with the account number indent on the signature panel.

(b)  Merchant shall, prior to completing a transaction, check the validity date
     and expiration date of the Card and shall not honor any Card that is not
     valid or that has expired, without proper authorization.

(c)  Where the magnetic stripe on the Card is read in connection with a
     transaction, Merchant shall compare the embossed account number on the Card
     to the number displayed or printed by the terminal to ascertain that they
     are the same.

(d)  Except in connection with a mail order, telephone order or preauthorized
     transaction, Merchant shall not complete a transaction without presentation
     of the Card by the cardholder and a proper examination by the Merchant of
     the Card.

(e)  If the signature panel on the card is blank, Merchant shall:

     (i)  review positive identification to determine that user is cardholder.
          Such identification must consist of a current official government
          identification

     (ii) indicate such positive identification (including any serial numbers
          and expiration date) on the sales draft if the transaction is a VISA
          transaction and it permitted by law. (Such information shall not be
          recorded for MasterCard transactions), and

     (iii) require cardholder to sign the signature panel before completing the
          transaction, and

     (iv) request authorization

     (f)  In the case of a VISA card, Merchant shall compare the printed issuing
          bank identification number which is directly above the first four
          digits of the embossed account number. If the printed number and the
          embossed number do not match, Merchant shall call the voice
          authorization number and request a Code 10 operator.

<PAGE>

1.04 Authorization
------------------

(a)  Before honoring any Card, Merchant shall request authorization from
     Acquirer's designated center, if:

     (i)  The total amount of the transaction (including any applicable taxes)
          exceeds the floor limit then applicable to the transaction (for
          vehicle leasing transaction, Merchant must estimate the amount of the
          transaction based upon the customer's intended length of rental and
          request authorization if the estimated transaction amount exceeds the
          applicable floor limit, upon return of the rental vehicle, additional
          authorization must be obtained and recorded for charges actually
          incurred in excess of the estimated amount authorized when multiple
          airline tickets are purchased at the same time using the same account
          number. Merchant may obtain authorization for each ticket
          individually, when a transaction is completed in partial payment of a
          purchase, authorization is required for the portion of the purchase
          effected with the Card, regardless of the applicable floor limit).

     (ii) Merchant desires to make delayed presentment of the transaction
          record.

     (iii) The account number does not receive a positive response from the
          account number verification service provided to Merchant (if Merchant
          does not obtain a positive account number verification, or
          authorization, the transaction shall be subject to chargeback as set
          forth in sec. 2.07).

     (iv) The signature panel on the Card does not contain the customer's
          signature, the customer's signature on the sales slip is questionable,
          Merchant believes the Card may be counterfeit or stolen, or there are
          other unusual or suspicious circumstances.

     (v)  The transaction is other than a mail or telephone order and involves
          (1) a handwritten sales draft that does not contain the Card or
          merchant plate imprint, (2) presentation of a Card that is not signed,
          or (3) presentation of an expired Card.

(b)  Where authorization is required for reasons other than because the amount
     of the transaction exceeds the applicable floor limit, Merchant must
     contact Acquirer's designated authorization center by telephone and advise
     the authorization center of the specific reason for the authorization
     request and await instructions.

(c)  Authorization numbers or positive account number verification response
     codes, as appropriate, shall be printed legibly in the designated area on
     the sales slip.

(d)  If authorization is denied, Merchant shall not complete the transaction and
     shall use its best efforts by reasonable and peaceful means to follow any
     instructions from the authorization center.

(e)  Merchant shall be liable to Acquirer, regardless of any authorization, if
     Merchant completes a transaction when the cardholder is present but does
     not have his Card, the cardholder does not sign the sale slip, or the
     signature on the sales slip appearing on the Card or the signature panel on
     the card is blank.

(f)  In no event shall an authorization be deemed to be Acquirer's
     representation that the particular transaction is in fact a valid,
     authorized or undisputed transaction is entered into by the cardholder or
     an authorized user of the Card.

<PAGE>

(g)  Where authorization is requested for a transaction involving suspicious
     circumstances the Merchant shall call and request a Code 10 authorization
     from Acquirer's designated authorization center.

(h)  An authorization for a restaurant transaction in which a gratuity is added
     to the sales slip by the cardholder is valid if the total transaction
     amount is within 20% of the authorization amount.

(i)  If authorization is obtained for the estimated amount of a car rental
     transaction, Merchant shall disclose to cardholder such amount authorized
     on the rental date.

(j)  Merchant acknowledges that NSB and/or Bank will monitor Merchant's daily
     deposit activity. The deposit activity should remain consistent to the
     "approved" monthly volume and average ticket amount approved on the
     Merchant Agreement and Application. If the Merchant should exceed the
     "approved" monthly volume, the Merchant acknowledges that additional
     documentation could be required and further agrees that they are subject to
     a 5% fee on all monies processed over "approved" monthly volume. Merchant
     agrees that Bank may upon reasonable grounds suspend the disbursement of
     Merchant's funds for any reasonable period of time required to investigate
     suspicious or unusual deposit activity. NSB and/or Bank will make good
     faith efforts to notify Merchant immediately. NSB and/or Bank shall have no
     liability for any losses, either direct or indirect, which Merchant may
     attribute to any suspension of funds disbursement.

1.05 Retention and Retrieval of Cards
-------------------------------------

Merchant shall use its best efforts, by reasonable and peaceful means to retain
or recover a Card

(a)  If Merchant receives a negative response from the account number
     verification service and until Merchant receives further instruction from
     Acquirer's designated authorization center.

(b)  While making an authorization request.

(c)  If Merchant is advised to retain the Card in response to an authorization
     request, or

(d)  Where the embossed account number, indent printed account number and/or
     encoded account number do not match or an unexpired Card does not have the
     appropriate hologram on the Card face, or

(e)  If the Merchant has reasonable grounds to believe the Card is counterfeit,
     fraudulent or stolen.

(f)  The obligation of Merchant to retain or recover a Card imposed by this
     section does not authorize a breach of the peace or any injury to persons
     or property and Merchant will hold Acquirer harmless from any claim arising
     from any injury to person or property or other breach of the peace.

(g)  If a recovered card is retained by a law enforcement agency, Merchant shall
     forward a legible copy of the front and back of the card to Acquirer or
     other bankcard organization, as appropriate, to support payment of any
     applicable reward.

<PAGE>

1.06 Completing the Transaction Record
--------------------------------------

Except as provided below, Merchant agrees to do all of the following when
honoring a Card:

(a)  To enter on the sales slip the transaction date, a description of the goods
     or services sold, and the price thereof (including any applicable taxes) of
     detail sufficient to identify the transaction.

(b)  To obtain the signature of the customer on the sales slip after the
     transaction amount is identified on the Total column

(c)  To compare the signature on the sales slip and the signature panel of the
     Card and if the Card has a photograph of the cardholder, to ascertain that
     the customer resembles the person depicted in the photograph, and if either
     identification is uncertain or the account numbers are not the same or
     Merchant otherwise questions the validity of the Card to contact Acquirer's
     authorization center for instructions

(d)  To imprint legibly on the sales slip the embossed legends from the Card and
     from the merchant imprinter plate. If the imprinter does not legibly
     imprint the embossed legends from the Card and Merchant plate, Merchant
     shall detail legibly the cardholder's name and account number and
     Merchant's name and place of business as well as the name or trade style of
     the issuer as it appears on the face of the Card, the ICA number, the Card
     initials, if any, and both the effective date and expiration date. Merchant
     shall also record on the sales slip any other embossed data such as
     security symbols

(e)  to deliver a true and completed copy of the sales slip to the customer at
     the time of delivery of the goods or performance of the services or for
     point of transaction terminal transactions, at the time of the transaction

(f)  For transactions which originate at and are data captured using point of
     transaction terminals, Merchant must include the following information on
     the cardholder's copy or the sales draft:

     (i)  the cardholder account number

     (ii) Merchant's name

     (iii) Merchant's transaction code or city and state

     (iv) The amount of the transaction

     (v)  The transaction date

(g)  Transaction records must be produced for all transaction which originate at
     and are data captured using automated dispensing machines or limited amount
     terminals, except for transactions which originate at magnetic stripe
     reading telephones. Such transaction records must include at least the
     following information: (i) the cardholder account number (ii) Merchant's
     name

     (iii) the magnetic stripe-reading terminal location code or city and state

     (iv) the amount of the transaction

     (v)  the transaction date

(h)  Whenever the uncoded account number cannot be read from the magnetic
     stripe, Merchant shall follow normal authorization procedures and complete
     the approved transaction using a manual imprinter.

1.07 Multiple Transaction Records, Partial Consideration
--------------------------------------------------------

(a)  Merchant must include on one transaction record the entire amount due for
     the transaction, except in the following instances:

     (i)  the transaction involves purchases made ID separate department of a
          multi- department store

     (ii) the transaction involves delayed or amended charges for a vehicle
          rental transaction in which:

          (A)  the cardholder consented to be liable for such damages

          (B)  such charges consist of ancillary or corrected charges such as
               taxes or fuel fees, and not charges for loss, theft, damage, or
               traffic violations, and

<PAGE>

          (C)  Merchant sends the cardholder a copy of the amended or add on
               sales drafts (Sales drafts for such delayed or amended charges
               may be deposited without the cardholder signature provided that
               Merchant has cardholders signature on file, and the words
               "signature on File" are entered onto the signature panel of the
               sales draft),

     (iii) the customer pays a portion of the transaction amount in cash, by
          check, with any card, or any combination of such payments at the time
          of the transaction and further provided that Merchant obtains
          authorization for that part of the transaction affected with a card,

     (iv) all or a portion of the goods or services are to be delivered or
          performed at a later date and the customer signs two separate sales
          slips one of which represents a deposit and the second of which
          represents payment of the balance and the "balance" sales slip is
          completed only upon delivery of the goods or performance of the
          services, in which case Merchant agrees

          (A)  to note on the sales slips the word "deposit" or "balance" as
               appropriate and the words "Delayed Delivery"

          (B)  If the total amount or the two slips exceeds the applicable floor
               limit, to obtain prior authorization and note the authorization
               date and approval code on the sales slips, and

          (C)  not to present the "balance" sales slip until all goods are
               delivered or all the services are performed, or

     (v)  the cardholder is using the installment payment option offered in
          accordance with section 1.08

(b)  Merchant agrees not to divide a single transaction between two or more
     transaction records to avoid obtaining an authorization

(c)  For sales processed at electronic POS terminals, multiple items
     individually billed to the same account will not be considered a violation
     of this Agreement if separate authorizations are obtained for each item.

1.08 Telephone Order, Mail Orders, Preauthorized Orders and Installment Orders
------------------------------------------------------------------------------

(a)  If a Card transaction is made by telephone order (TO), mail order (MO), or
     preauthorized order (PO), the sales slip may be completed without a
     customer signature or a Card imprint, but Merchant shall:

     (i)  print legibly on the sales slip sufficient information to identify the
          card issuer, Merchant and the cardholder, including Merchants name and
          address, the cardholder's name and any company name, and

     (ii) print legibly on the signature line of the sales slip the letter "TO",
          "MO", or "PO" (Recurring transaction for Visa transaction), as
          appropriate

     (iii) obtain authorization for every sale for MO and TO transactions,
          authorization must be obtained no more than seven calendar days prior
          to the transaction date. Merchant shall attempt to obtain the
          expiration date of the Card as part of the authorization inquiry.

(b)  In any non-imprint transaction (and whenever an expired Card is presented
     regardless of whether imprinted), Merchant shall be deemed to warrant the
     customer's true identity as an authorized user of the Card, whether or not
     authorization is obtained, unless Merchant obtains and notes legibly on the
     sales slip independent evidence of the customer's true identity.

<PAGE>

(c)  In connection with a recurring transaction (or preauthorized order)
     pursuant to which goods or services are delivered to or performed for a
     cardholder periodically, Merchant agrees to the following conditions

     (i)  Merchant must obtain a written request from the cardholder that the
          recurring transaction be charged to the cardholder's account

     (ii) the written request must specify the amount of the recurring
          transaction (or allow space for cardholder to specify a minimum and
          maximum amount if the recurring transaction are to be for varying
          amounts), the frequency of the recurring charges, and the length of
          time for which the preauthorized order is to remain in effect.

     (iii) before renewing a preauthorized order, Merchant must obtain a
          subsequent written request from the cardholder containing the
          information listed above.

     (iv) Merchant must retain the cardholders written authorization for as long
          as the preauthorized order is in effect and must provide a copy to
          Acquirer upon request

     (v)  Merchant must not deliver goods or perform services covered by a
          preauthorization order after being advised that the preauthorization
          has been canceled or that the Card is not to be honored, and

     (vi) Except as provided in Section 1.07, a recurring transaction may not
          include partial payments to Merchant for goods or services purchased
          in a single transaction or for periodic payments of goods or services
          on which Merchant assesses additional finance charges

     (vii) Merchant must inform cardholder that he has the right to receive at
          least 10 days prior to each scheduled transaction date, written notice
          of the amount and date of the next charge. Cardholder may elect to
          receive the notice
          -for every charge
          -only when the transaction amount does not fall within the specified
          range shown on the order form, or
          -only when the transaction amount will differ from the most recent
          charge by more than an agreed upon amount.

(d)  Merchant may offer cardholders an installment payment option for its
     mail/telephone order merchandise subject to the following conditions

     (i)  Merchants promotional material must clearly disclose the installment
          terms, including but not limited to

          (A)  whether the plan is available only for selected items or for the
               total amount or any order and

          (B)  how shipping and handling charges and applicable taxes will be
               billed. The material also must advise cardholders who are not
               billed in the transaction currency of the Merchant that the
               installment billing amounts may vary due to fluctuations in the
               currency conversion rates

     (ii) No finance charges may be added by Merchant. The sum of the
          installment transaction may not exceed the total sales price of the
          merchandise on a single transaction basis

     (iii) Authorization is required for each installment transaction.
          Merchant's floor limit is zero.

<PAGE>

     (iv) Merchant may not deposit the first installment transaction with
          Acquirer until the merchandise is shipped. Subsequent installment
          transactions must be deposited

          (A)  at intervals of 30 days or more or

          (B)  on the anniversary date of the transaction (i.e. the same date
               each month)

     (v)  In addition to Merchant's name an appropriate installment transaction
          descriptor (e.g. one of five, two of five) must be included in the
          Merchant name field of the clearing record.

1.09 Vehicle Rental Transactions
--------------------------------

Regardless of the terms and conditions of any written preauthorization form, the
sales slip amount for any vehicle rental transaction shall include only that
portion of the transaction, including any applicable taxes evidencing a bona
fide renting of personal property by Merchant to a customer and shall not
include any consequential charges. Nothing herein is intended to restrict
Merchant from enforcing the terms and conditions of its preauthorization form
through means other than a Card transaction.

1.10 Returns and Adjustments, Credit Slips
------------------------------------------

(a)  If with respect to any transaction, any merchandise is accepted for return
     or any services are terminated or canceled or any price adjustment is
     allowed by the Merchant (other than involuntary refunds by airlines or
     other carriers when required by applicable tariffs and except where
     otherwise required by law or governmental regulations) Merchant shall not
     make any cash refund to the cardholder but shall deliver promptly to
     Acquirer a credit slip evidencing such refund or adjustments

(b)  Each credit slip shall be signed and dated by Merchant and include the
     transaction date, a description of the goods returned, services canceled or
     adjustment made and the amount or the credit in sufficient detail to
     identify the transaction and the embossed data from the Card and Merchants
     imprinter plate

(c)  The refund or adjustment shall be indicated on a credit slip and may not
     exceed the original transaction amount

(d)  The Merchant may limit its return adjustment, refunds or exchange policies
     provided that proper disclosure is made and purchased goods or services are
     delivered to the cardholder at the time of the transaction

(e)  Proper disclosure by the Merchant must be given at the time of the
     transaction by printing the following words or similar wording on all
     copies of the sales slip or invoice being presented to the cardholder for
     signature in letters approximately 1/4 inch high and in close proximity to
     the space provided for the cardholder's signature

     (i)  NO REFUND. For a Merchant which may not accept merchandise in return
          or exchange and may not issue a refund to a cardholder

     (ii) EXCHANGE ONLY. For a Merchant which may only accept merchandise in
          immediate exchange for similar merchandise of a price equal to the
          amount of the original transaction

     (iii) IN STORE CREDIT ONLY. For a Merchant which may accept merchandise in
          return and deliver to the cardholder an in store credit for the value
          of the merchandise returned which may be used only in the Merchant's
          place(s) of business

     (iv) A Merchant may, if permitted by applicable law, stipulate special
          circumstances agreed to by the cardholder (e.g. Late delivery,
          delivery charges or insurance charges) as terms of the transaction but
          under no circumstance shall a surcharge be assessed for the use of a
          Card. The wording to appear on the sales slip shall be any special
          terms of the transaction(s)

<PAGE>

(f)  Merchant must deliver to the cardholder a true and completed copy of the
     credit slip at the time of the credit transaction. Merchant shall not
     process a credit slip without having completed the purchase transaction
     with the cardholder in no event may the credit exceed the amount of the
     original transaction.

1.11 Cash Payments
------------------

Merchant shall not receive any payments from a customer for charges included on
any transaction record resulting from the use of any Card nor receive any
payments from a cardholder to prepare and present a credit slip for the purpose
of effecting a deposit to the cardholder's account.

1.12 Cash Advances
------------------

Unless expressly authorized in writing by Acquirer, Merchant agrees not to make
any cash advance to a cardholder either directly or by deposit to the
cardholders account. Money orders sent by wire, contributions to charitable and
political organizations, tax payments, insurance premium payments, alimony and
child support payments, and court costs and fines shall not be considered cash
advances or withdrawals.

1.13 Disclosure and Storage of Cardholder Account Information
-------------------------------------------------------------

(a)  Except as otherwise required by law, Merchant shall not without the
     cardholders prior written consent, sell, purchase, provide, or otherwise
     disclose the cardholder's account information or other cardholder
     information to any third party other than Acquirer, Merchant's agents and
     processing organization for the purpose of assisting Merchant in its
     business.

(b)  Merchant and any agent of Merchant shall store in an area limited to
     selected personnel and prior to discarding, shall destroy in a manner
     rendering data unreadable, all material containing cardholder account
     numbers, Card imprints, such as sales slips and credit slips, car rental
     agreements, and carbons.

(c)  Merchant or any agent of Merchant shall not retain or store magnetic stripe
     data subsequent to the authorization of a transaction.

ARTICLE II PRESENTMENT PAYMENT AND CHARGEBACK

2.01 Transmission of Data
-------------------------

In lieu of depositing paper sales slips and credit slips with Acquirer, Merchant
may transmit to Acquirer, in the form of magnetic tape or electronic data as
specified by and acceptable to Acquirer, all data required by this Agreement to
appear on the sales skip or credit slip. The term "sales data" as used in this
Agreement shall mean the data transmitted by Merchant that is contained in a
sales slip or the electronic or magnetic tape record that is the equivalent of
such a sales slip. The term "credit data" as used in this Agreement shall mean
the data transmitted by Merchant that is contained in a credit slip or the
electronic or magnetic tape record that is the equivalent of such a credit slip.
All data ("transaction records") transmitted shall be in a medium, form and
format approved in advance by Acquirer and shall be presorted and organized
according to Acquirer's instructions. All references to "sales slips" and
"credit slips" in this Agreement shall be deemed to include transaction records
transmitted by paper, electronically or on magnetic tape.

<PAGE>

2.02 Presentment of Transaction Records to Acquirer
---------------------------------------------------

(a)  Merchant may designate a third party (that does not have a direct agreement
     with Acquirer) as its agent for the purpose of delivering transactions data
     captured at the point of sale by such agent if Merchant elects to use such
     third party as its agent for the direct delivery of data captured
     transactions. Merchant agrees to the following conditions (for the purposes
     of this section 2.02, "Merchant" includes any agent designated by Merchant
     as permitted under this section):

     (i)  Merchant must provide satisfactory notice to Acquirer that Merchant
          chooses to exercise the option specified above,

     (ii) The obligation of Acquirer to reimburse Merchant for transactions is
          limited to the amount (less the appropriate discount fee) delivered by
          Merchant's designated agent, and

     (iii) Merchant is responsible for any failure by its agent to comply with
          all applicable rules and regulation of MasterCard and Visa including,
          but not limited to, any violation resulting in a chargeback

(b)  Merchant shall present all sales data relevant to a transaction to Acquirer
     with the lesser of three (3) bank business days or five (5) calendar days
     after the date of the transaction, except that:

     (i)  Merchant shall present no sales data until goods have been shipped or
          the services have been performed and Merchant has otherwise performed
          all or its principal obligations to the customer in connection with
          the transaction unless the cardholder agreed to a delayed delivery or
          goods and proper disclosures were made at the time of the transaction

     (ii) When Merchant requests and receives authorization for delayed
          presentment and legibly prints on the sales slip the authorization
          number and the words "Delayed Presentment" Merchant must present the
          sales data within the period permitted for delayed presentment (not to
          exceed thirty (30) calendar days).

     (iii) If Merchant is obligated by law to retain a sales slip or return it
          to a buyer upon timely cancellation, Merchant must present the sales
          data within ten (10) bank business days after the date of the
          transaction, and

     (iv) When Merchant has multiple locations or offices and accumulates
          transaction records at a central facility Merchant must present the
          transaction records to Acquirer within twenty (20) calendar days after
          the date of the transaction. Merchants with multiple locations must
          deliver the transaction records in such manner that Acquirer is able
          to identify the transactions originating at each location.

(c)  Merchant shall deliver all credit data to Acquirer within three (3) bank
     business days after the credit transaction date, except that if Merchant
     has multiple locations as described in subjections (b) (iv) above, Merchant
     must deliver the credit data to Acquirer within seven (7) business days
     after the transaction date.

(d)  Merchant shall not present to Acquirer, directly or indirectly, any
     transaction record that Merchant knows or should have known to be
     fraudulent or not authorized by the cardholder, that results from
     transaction outside Merchant's normal course of business, that results from
     transaction not involving Merchant, that contains the account number of a
     Card account issued to Merchant, or that was not the result of a
     transaction between Merchant and a cardholder

<PAGE>

(e)  If the transmission of sale data or credit data from Merchant to Acquirer
     is in the form of magnetic tap or electronic data, Merchant shall preserve
     a copy of the sales and credit slips as per section 3.03

(f)  Merchant is prohibited from re-depositing any transaction which has
     previously been charged back and subsequently returned to Merchant. The
     prohibition applies with or without the cardholder's consent or the
     Merchant's action. Merchant may, at its option, pursue payment from the
     customer in such event.

2.03 Acceptance and Discount
----------------------------

Subject to the provisions of any agreement of Merchant hereunder and of any
chargeback rights, Acquirer agrees to accept valid transaction records from
Merchant during the term of this Agreement and to pay Merchant the total amount
represented by the transaction records less any percentage discount and fees
agreed to by the parties. Any payment made by Acquirer to Merchant shall not be
final but shall be subject to subsequent review and verification by Acquirer and
may be subject to chargeback until the chargeback period expires.

2.04 Insecurity
---------------

Notwithstanding Section 2.03 Acquirer may withhold payment to Merchant or
prohibit Merchant's withdrawal of funds then on deposit with Acquirer for any of
the following reasons:

(a)  Acquirer is suspicious of any transaction records;

(b)  Merchant's volume of sales exceeds a stipulated amount or amounts that are
     typically generated during a particular period;

(c)  Merchant's average ticket amount exceeds a stipulated amount;

(d)  Merchant does not swipe Cards through electronic terminals;

(e)  Merchant fails to authorize transaction;

(f)  Acquirer receives excessive retrieval request against Merchant's account as
     prior activity; or

(g)  Excessive chargebacks are debited against Merchant's account as prior
     activity;

(h)  If for any other reason Acquirer reasonably determines that withholding
     funds or preventing withdrawal of funds previously deposited with Acquirer
     is necessary to cover anticipated charges from Merchant's Card activities.

2.06 Prohibited Payment
-----------------------

Merchant agrees that Acquirer has the sole right to receive payments on any
accepted transaction record as long as:

(a)  Acquirer has paid Merchant the amount represented by the transaction record
     less the discount and fees, and

(b)  Acquirer has not charged such transaction record back to Merchant unless
     specifically authorized in writing by Acquirer. Merchant agrees not to make
     or attempt to make any collections on any accepted transaction record, and
     promptly to deliver the same in kind to Acquirer as soon as received,
     together with the cardholder's name and account number and any
     correspondence accompanying the payment.

<PAGE>

2.07 Chargebacks
----------------

(a)      Under  any one or more of the  following  circumstances,  Acquirer  may
         charge back to  Merchant  any  transaction  record  that  Acquirer  has
         accepted,  and Merchant shall repay Acquirer the amount  represented by
         the  transaction  record

     (i)  the transaction record or any material information on a sales slip
          (such as the account number, expiration date of the Card, Merchant
          description, transaction amount, or date) is illegible, incomplete, or
          otherwise indiscernible, is not endorsed, or is not delivered to
          Acquirer within the required time limits;

     (ii) the transaction was one which received a negative account verification
          service response (or would have received a negative account
          verification service response if Merchant had contacted the service on
          the transaction date) and Merchant did not reject the transaction or
          receive prior authorization for the transaction, as applicable;

     (iii) the sales slip does not contain the required imprint of a Card that
          was valid, effective, and unexpired on the transaction date.

     (iv) The transaction was one for which prior credit authorization was
          required and prior credit authorization was not obtained, or a valid
          authorization number is not correctly and legibly included on the
          transaction record

     (v)  The transaction record is a duplicate of an item previously paid, or
          is one of two or more transaction records generated in a single
          transaction in violation of this Agreement.

     (vi) The cardholder disputes the execution of the transaction record, the
          sale, delivery, quality, or performance of the goods or services
          purchased, or alleges that a credit adjustment was requested and
          reissued or that a credit adjustment was issued by Merchant but not
          posted to the cardholder's account

     (vii) The price of the goods or services shown on the transaction record
          differs from the amount shown on the copy of the sales slip or the
          receipt delivered to the customer at the time of the transaction,

     (viii) Acquirer reasonable determines that Merchant has violated any term,
          condition, covenant, warranty, or other provisions of this Agreement
          in connection with the transaction record or the transaction to which
          it relates,

     (ix) Acquirer reasonable determines that the transaction record is
          fraudulent or that the related transaction is not a bona fide
          transaction in Merchants ordinary course of business, or is subject to
          any claim of illegality, cancellation, rescission, avoidance, or
          offset for any reason whatsoever, including without limitation
          negligence, fraud, or dishonesty on the part of Merchant or Merchant's
          agents or employees.

     (x)  The transaction record arises from a mail or telephone order
          transaction which the cardholder disputes entering into or
          authorizing, or which involves an account number that never existed or
          that has expired and has not been renewed, or

     (xi) Merchant fails to provide any sales slip or credit slip to Acquirer in
          accordance with Section 3.01 of this Agreement

     (xii) Any other Merchant transaction charged back to Acquirer for whatever
          reason pursuant to Visa or MasterCard rules and regulations.

(b)  In the event Merchant believes a chargeback to be improper, Merchant must
     notify Acquirer of this in writing within ten (10) calendar days of the
     date of the chargeback or forfeit its right to contest the chargeback.

(c)  Except in the case of chargebacks that are based solely on the Merchant's
     failure to obtain an authorization, Acquirer may chargeback a transaction
     in accordance with this section even if an authorization was obtained in
     connection with the transaction.

<PAGE>

ARTICLE III - MISCELLANEOUS

3.01 Imprints and Terminals
---------------------------

Merchant shall keep any imprinter(s) and terminal(s) used to process Card
transactions in good working order and shall notify Acquirer prior to any change
of the imprinted or programmed information.

3.02 Forms
----------

Merchant shall use only such forms or modes of transmission for sales data and
credit data as are provided or approved in advance by Acquirer, and Merchant
shall not use forms or equipment provided by Acquirer other than in connection
with Card transaction hereunder.

3.03 Records
------------

(a)  Merchant shall for Visa/MasterCard purposes preserve a copy of the actual
     paper sales slips and credit slips for at least six (6) months after the
     date Merchant presents the transaction data to Acquirer, and Merchant shall
     make and retain for at least three (3) years from such date legible
     microfilm copies of both sides of such actual paper transaction records.

(b)  Merchant agrees to immediately notify Acquirer of any Merchant location(s)
     added after the date of this Agreement, and agrees to the establishment of
     a separate processing account for said location(s).

3.04 Requests for Copies
------------------------

(a)  Within one (1) business day of receipt of any request by Acquirer, Merchant
     shall fax or mail to Acquirer either the actual paper transaction record,
     if requested by Acquirer, or a legible copy thereof. (In size comparable to
     the actual paper transaction records), and any other documentary evidence
     available to Merchant and reasonably requested by Acquirer to meet its
     obligations under law (including its obligations under the Fair Credit
     Billing Act) or otherwise to respond to questions concerning cardholder
     accounts.

(b)  For purposes of retrieval of records Merchant must retain sales slips and
     credit slips by reference number within date sequence

(c)  If Merchant does not provide a requested copy of sales slip(s) to Acquirer
     within the time frame specified, in addition to other rights and remedies
     available to Acquirer under this Agreement:

     (i)  Acquirer may charge Merchant a penalty fee, and

     (ii) Acquirer may charge Merchant the transaction amount of the requested
          sales slip

     (iii) Acquirer may, at its option, charge Merchant the transaction amount
          of the requested sales slip at the time of the request. Such amount
          will be reimbursed to the Merchant upon delivery of a valid and
          correct sales slip.

<PAGE>

3.05 Disputes With Cardholder Indemnification of Acquirer
---------------------------------------------------------

All disputes between Merchant and any cardholder relating to any Card
transaction shall be settled between Merchant and such cardholder. Merchant
shall indemnify and hold Acquirer harmless from all claims, liabilities, losses,
and expenditures (including reasonable attorney's fees and others costs of
defense) relating to or arising out of any such Card transaction and from
Merchant's failure to comply with any of its obligations under this Agreement.

3.06 Excessive Chargebacks and/or Returns
-----------------------------------------

Merchant agrees that in the event Acquirer is presented, during any monthly
period with chargebacks and/or retrieval requests relating to the transactions
of the Merchant processed by Acquirer in excess of one percent (1%) of
interchange volume of such transactions such chargebacks and/or retrieval
requests will conclusively be deemed to be excessive under applicable Visa and
MasterCard regulations which shall allow Acquirer to take such action as may be
authorized herein or by applicable Visa or MasterCard regulations.

3.07 Terms, Termination and Combined Terminated Merchant File
-------------------------------------------------------------

(a)  The initial term of this Agreement shall be one (1) year from the date
     herein. Thereafter the Agreement will automatically renew for additional
     one (1) year terms, unless Merchant notifies Acquirer of its intention not
     to renew the Agreement at least ninety (90) days prior to the end of the
     Agreement term then in effect. Merchant's obligations under this Agreement
     remain in full force and effect relative to all debt purchased under this
     Agreement. This Agreement may be terminated at any time by Acquirer upon
     written notice to the Merchant. Such notice shall be effective when hand
     delivered or deposited in the mail or upon any later date specified in the
     notice. Acquirer may terminate this agreement without prior notice in the
     event Merchant is or becomes bankrupt or is unable to pay its debts as they
     become due, or if Acquirer reasonable determines that Merchant has violated
     any term, conditions, covenant or warranty of this Agreement or if Acquirer
     determines in its sole discretion that Merchant has abused its privileges
     under this Agreement.

(b)  Upon the effective date of any such termination, Merchant's rights
     hereunder to make Card transactions, to deposit transaction records with
     Acquirer, and to use sales slip forms, credit slip forms, promotional
     material, and any other items provided by Acquirer hereunder shall cease
     but Merchant's obligations in connection with any transaction record
     accepted by Acquirer (whether before or after such termination), including
     without limitation Merchant's chargeback obligations shall survive such
     termination.

(c)  Merchant expressly acknowledges that a Combined Terminated Merchant Fee
     (CTMF) is maintained by Visa and MasterCard containing information on
     Merchants terminated for one or more reasons specified in Visa or
     MasterCard operating rules and regulations. Such reasons generally include
     but are not limited to fraud, counterfeit paper, unauthorized transaction,
     excessive chargebacks or highly suspect activity. Merchant acknowledges
     that Acquirer is requested to report the Merchant business name and the
     names of its principals to the CTMF when Merchant is terminated due to one
     or more of the foregoing reasons. Merchant expressly agrees and consents to
     such reporting by Acquirer in the event of the termination of this
     Agreement due to one or more of such reasons.

(d)  This Agreement shall become effective upon acceptance by Bank. Any party
     may terminate this Agreement at any time with or without cause by providing
     written notice to the other parties. However, if Merchant terminates this

<PAGE>

     Agreement, Bank and NSB shall have thirty (30) days from date of receipt of
     the notice to delete Merchants account during which time Merchant shall
     remain liable for all fees and charges, including any monthly minimum
     processing charge and a termination fee of $150.00. Bank or NAB may
     terminate this Agreement immediately without prior notice if (i) either
     party has reason to believe that fraudulent Card Transaction or other
     activity prohibited by this Agreement is occurring at any Merchant
     location, (ii) such action is taken to prevent loss to Bank, NSB, or Card
     issuers, (iii) Merchants appears on any Card Associations security
     reporting or (iv) Bank's Merchant Criteria changes. All rights and
     obligations of the parties existing hereunder as of the effective time of
     termination shall survive the termination hereof.

3.08 Limitation of Liability
----------------------------

Acquirer's liability to Merchant with respect to any Card transaction shall not
exceed the amount represented by the transaction less any applicable discount
and Acquirer shall in no event be liable for any incidental or consequential
damages whatsoever. Acquirer is not liable to Merchant for errors made by
account number verification service or for Merchant's failure to contact same.

<PAGE>

3.09 Supplementary Documents, Fees
----------------------------------

All reference herein to this "Agreement" shall collectively include current
Schedules, Amendments, Merchant Application, Change Notices, Addendum Appendices
and Attachments and associated reference materials, all of which are
incorporated herein by reference and made a part of this Agreement as if fully
set forth. Merchant agrees to pay the fees and charges identified in this
Merchant Application or in any other schedule of fees and charges provided to
Merchant which may be amended from time to time as provided in Section 3.16.

3.10 Compliance With Law
------------------------

Merchant shall comply with all laws and applicable to Merchant, Merchant's
business and any Card transaction including without limitation all state and
federal consumer credit and consumer protection statutes and regulations and
Visa and MasterCard regulations.

3.11 Modification
-----------------

This Agreement is subject to such modification, changes, and additions as may be
required or deemed by Acquirer to be requested by reason of any state or federal
statute, judicial decision, MasterCard or Visa rule or regulation or the
regulation or ruling of any federal agency having jurisdiction over Acquirer or
Merchant.

3.12 Change in Transmission Method
----------------------------------

The means of transmission indicated below shall be the exclusive means utilized
by Merchant for the transmission of sales data or credit data to Acquirer.
Merchant shall give Acquirer at least thirty (30) days prior written notice of
Merchant's desire to deliver and deposit actual sales slips and credit slips or
otherwise to alter in any material respect Merchant's medium of transmission of
sales data and credit data to Acquirer. Following termination, Merchant shall
upon request provide Acquirer with all original and microfilm copies required to
be retained as of the date of termination.

3.13 Penalty Fees
-----------------

A penalty of one percent (1%) of the amount of the transaction may be charged by
Acquirer for the following reasons:

<PAGE>

     (i)  batches not closed within two (2) business days of the earliest
          transaction date ID the batch;

     (ii) non-authorized transaction over floor limit;

     (iii) credit cards not swiped through POS terminal

     (iv) terminal did not read the entire content of the magnetic stripe

     (v)  transaction did not meet Visa or MasterCard requirements for the best
          interchange fee

3.14 Independent Sales Organization Member Service Provider
-----------------------------------------------------------

Merchant acknowledges that:

     (i)  Acquirer may use an independent Sales Organization (ISO) or Member
          Service Provider (MSP) operating under applicable Visa or MasterCard
          rules and regulations who is an independent contractor and not an
          agent of Acquirer,

     (ii) No ISO or MSP has authority to execute this Agreement on Acquirer's
          behalf or to alter the terms hereof without Acquirer's prior written
          approval.

Security Interest Set Off

To secure all obligations of Merchant to Acquirer arising from this Agreement
Merchant herby grants Acquirer a first lien security interest in all deposits
regardless of source to Merchant's checking account (specified in Merchant
Application) and all proceeds of said deposits Acquirer's rights under said
security interest may be exercised by Acquirer without notice or demand of any
kind by making an immediate withdrawal from or freezing said account upon
Acquirer's reasonable determination that a breach of any obligation of Merchant
under this Agreement has occurred or for any reason specified in Section 2.04.
The exercise of Acquirer's rights pursuant to this security interest shall be in
addition to any other rights of Acquirer under this Agreement. Acquirer shall
also have the right to require Merchant to furnish such other and different
security as Acquirer shall deem appropriate in its sole discretion in order to
secure Merchant's obligations under this Agreement. Merchant agrees to execute
any documents or take any actions required in order to comply with and perfect
the security interest under this paragraph. Acquirer may, at any time there is
an obligation owing from Merchant to Acquirer, set off any such amount against
any deposit balance or other money now or hereafter owed Merchant by Acquirer
without notice or demand of any kind.

3.16 General
------------

(a)  The paragraph headings and captions contained in this Agreement are for
     convenience only and should not be deemed to define, limit or describe the
     scope or intent of this Agreement to the extent that they conflict with the
     substance of this Agreement

(b)  This Agreement shall be binding upon and inure to the benefit of the
     parties hereto and their successor and assigns, provided, however, this
     Agreement may not be assigned by Merchant without the written consent of
     Acquirer. Any such assignment by Merchant without Acquirer's prior written
     consent shall be null and void

<PAGE>

(c)  Should any provision of this Agreement contravene any law, or valid
     regulation or rule of any regulatory agency or self-regulatory body having
     jurisdiction over either party hereto, or should any provision of this
     Agreement otherwise be held invalid, or unenforceable by a court or other
     body of competent jurisdiction, then each such provision shall be
     automatically terminated and performance hereof by both parties waived, and
     all other provisions of this Agreement then in effect shall nevertheless
     remain in full force and effect

(d)  No failure by Acquirer to insist upon strict performance of any term or
     obligation set forth in this Agreement or to exercise any right or remedy
     under this Agreement, nor acceptance of full or partial performance during
     continuance of default hereunder shall constitute a waiver of any such
     item, obligation, right or remedy, or a waiver of any such default by
     Acquirer.

(e)  This Agreement shall be governed and construed in accordance with the laws
     of the State of Iowa. Merchant agrees that the exclusive venue for any and
     all proceedings relating to this Agreement shall be a court located in Iowa

(f)  In any action to enforce any obligation under this Agreement, the
     prevailing party shall be paid by the other all costs, expenses and
     reasonable attorney's fees

(g)  Acquirer may amend this Agreement at any time by providing written notice
     to Merchant of any amendment at least fifteen (15) days prior to the
     effective date of the amendment

(h)  All notices or other communications required to be given by either party
     shall be in writing and shall be hand delivered or sent by United States
     certified mail postage prepaid, and shall be deemed to be given when hand
     delivered or upon deposit in the mail as indicated. Notices shall be
     addressed to the parties at the address identified below, or such other
     address as may be specified by either party by notice to the other party

(i)  Acquirer may appoint an agent(s) to do or take any actions that may be done
     or taken by Acquirer under this Agreement

(j)  This Agreement is intended by the parties as a final expression of and a
     complete and exclusive statement of the terms of this Agreement there being
     no conditions to the enforceability of this Agreement. This Agreement may
     not be supplemented or modified except in writing as provided in this
     Agreement.

Cards subject to this Agreement ("Cards")

Annual Merchant fee $65.00

____ MasterCard Cards (including any other MasterCard International, Inc. Cards)

____ Visa Cards (including any other Visa USA Inc. and Visa International
Service Association Cards)

____ Other Cards as follows:

----------     ----------     ----------     ----------     ----------

<PAGE>

Medium of Transmission

____________ Magnetic Tape

____________ Electronic Terminal Transmission

____________ Hard Copy Sales Slips and Credit Slips

MERCHANT PROCESSING AGREEMENT (CONTINUED)

VOIDED CHECK FROM CHECKING ACCOUNT MUST BE ATTACHED
         (DO NOT USE A DEPOSIT TICKET)

ELECTRONIC DEBIT/CREDIT AUTHORIZATION

Merchant hereby authorized Bank, in accordance with this Agreement, to initiate
debit/credit entries to Merchant's deposit account, as indicated below. This
authority is to remain in full force and effect until (a) Bank has received
written notification from Merchant of its termination, in such a manner as to
afford Bank reasonable opportunity to act on it and (b) all obligations of
Merchant to Bank that have arisen under this Agreement have been paid if full.
This authorization extends, but is not limited, to such entries to this account
which concern discount fees, transaction fees, chargebacks, penalties, service
fees, return item fees, lease, rental and purchase charges involving
Point-Of-Sale ("POS") and credit card imprint equipment.

PRICING SCHEDULE A

Discount Visa 2.79%     MasterCard 2.79%
Auth. Fee            (Retail)         MOTO      ACH Rejection             $25.00
                                                Charge Back Fee           $25.00
MasterCard           $ .25            $ .35     Statement Fee             $10.00
Visa                 $ .25            $ .35     Minimum Discount Fee      $25.00
Other                $ .25            $ .35     Voice Authorization       $  .95
                                                Retrieval Fee             $10.00
                                                Checking Acct Charge      $20.00

Debit Network         Authorization             Amex     __X_ yes      ___ no
                            Fee                 Amex Merchant I.D.______________
1.____________        ____________              Discover   ___yes     ___ no
2.____________        ____________              Discover Merchant I.D. _________
3.____________        ____________
4.____________        ____________              SIC CODE
5.____________        ____________

(Surcharge of up to 1.6% applied to all transactions which fail to qualify for
VISA or MasterCard electronic data capture interchange requirements)

RETAIL ___                    MOTO  X                BUNDLED RATE __________

<PAGE>

CORPORATE CERTIFICATION

I certify that I am the duly elected and qualified Director (title) of the
corporation whose full legal name appears on the Merchant Application. I certify
that the following is a true and complete copy of a resolution adopted on
9-9___, 99_, by the Board of Directors, such resolution being in accordance with
the corporation's articles and bylaws and still in force and effect.

Resolved, that the following person(s) are hereby authorized on behalf of the
corporation to contract with Bank and to act on behalf of the corporation in all
matters related to the Merchant Agreement and any addendum thereto.

Resolved further, that Bank may rely upon the authorization granted in this
resolution until either or both receive actual notice of any change. I further
certify that the following are the name(s), genuine signature(s) and title(s) of
the person(s) authorized by the above resolution.

x
------------------------------------------------------------------------
 Signature                    Printed Name             Title

x /s/ Steve Montague          Steve Montague           Director
------------------------------------------------------------------------
           Signature          Printed Name             Title

PERSONAL GUARANTEE

The undersigned guarantees to Bank the performance of this Agreement and any
addendum thereto by Merchant, including payment of all sums due and owing and
any attorneys fees and costs associated with enforcement of the terms thereof,
Bank shall not be required to first proceed against Merchant or enforce any
other remedy before proceeding against the undersigned. This is a continuing
guaranty and shall not be discharged or affected by the death of the
undersigned, shall bind the heirs, administrators, representatives and assigns
and may be enforced by or for the benefit of any successor of Bank. The terms of
this guaranty shall be for the duration of the Merchant Processing Agreement and
any addendum thereto and shall guarantee all obligations which may arise or
accrue during the term thereof though enforcement shall be sought subsequent to
any termination.

X /s/                                Steve Montague
--------------------------------------------------------------------------------
 Personal Guarantor (No Title)       Personal Guarantor (No Title)

Merchant: The undersigned represents and warrants that all information provided
by Merchant in the Merchant Application and Processing Agreement, and any other
documentation supplied thereto, is true and correct. Also, the undersigned
authorized the Bank or its representative to investigate the credit of each
person listed on the Merchant Application and represents that he/she has the
authority to provide such information.

                     AGREED AND ACCEPTED on terms 1.01-3.16

By: X /s/ Steve Montague 9/9/99
--------------------------------------------------------------------------------
Signature  Printed Name  Date                  Printed Name    Signature    Date

By:                                            Title
--------------------------------------------------------------------------------

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