Document:

EXHIBIT 10.29

                           1992 EQUITY INCENTIVE PLAN
                       MEDIWARE INFORMATION SYSTEMS, INC.
                             STOCK OPTION AGREEMENT

     THIS AGREEMENT, made as of the Grant Date set forth below, by and between
Mediware Information Systems, Inc., a New York Corporation having its principal
place of business at the address set forth below (hereinafter called the
"Company"), and the individual whose name and residence appear below on the
first page of this Agreement (hereinafter called "Optionee").

     WHEREAS, the terms and conditions of the Options granted to Optionee and
evidenced by this Agreement are as follows:

     Name of Optionee:                       Grant Date:
     Michael E. Montgomery                   March 3rd, 2000

     Office Address of Optionee:             Number of Option Shares:
     11711 W. 79th St.                       350,000
     Lenexa, KS  66214
                                             Expiration Date:
                                             March 2nd,  2005

                                             Exercise Price Per Share:
                                             6.41

                                             Vesting Provisions:

                                                                  Shares
                                                Anniversary of    Becoming
                                                Grant Date:       Exercisable

                                                First             116,666 shares
                                                Second            116,667 shares
                                                Third             116,667 shares

     Company:
          Mediware Information Systems, Inc.

     Company Address:
          1121 Old Walt Whitman Road
          Melville, NY  11747-3005

<PAGE>

     IN WITNESS WHEREOF, the Company has caused this Agreement to be duly
executed in duplicate by its duly authorized officer, and Optionee has executed
this Agreement in duplicate, all as of the date and year first above written.

                                   MEDIWARE INFORMATION SYSTEMS, INC.

                                   By /s/ Lawrence Auriana
                                   ---------------------------------

                                   Optionee

                                   /s/ Michael Montgomery
                                   ---------------------------------

     WHEREAS, the Optionee is a key employee of the Company; and

     WHEREAS, as an incentive for the Optionee and as compensation and a benefit
to him or her for serving as an employee, the Company has offered to issue, and
the Optionee has agreed to accept, options to purchase shares of common stock of
the Company pursuant to the 1992 Equity Incentive Plan of the Company (the
"Plan").

     NOW, THEREFORE, in consideration of the mutual covenants hereinafter set
forth and for other good and valuable consideration, the parties hereto hereby
agree as follows:

     1. Grant of Options: Pursuant to and subject in all respects to the
provisions of the Plan, the Company hereby grants to the Optionee, under the
terms and conditions set forth in this Agreement and the Plan, as of the Grant
Date, Options to purchase the aggregate number of shares of common stock, par
value $.10 per share, of the Company ("Common Stock") set forth above on the
first page of this Agreement subject to adjustment in accordance herewith (which
shares are hereinafter called "Option Shares"). The Option Shares may be
purchased by exercising the Options in accordance with the terms of this
Agreement, at the exercise price per share set forth on the first page of this
Agreement, which price is not less than the fair market value of a share of
Common Stock on the date of grant. Terms defined in the Plan shall have the same
meaning in this Agreement unless the context requires otherwise.

     2. Other Terms of Options. The Options shall become exercisable on each
anniversary of the first day of the month in which the Grant Date falls to the
extent of the percentage of the Option Shares set forth on the first page of
this Agreement. The Options shall remain exercisable until the "Expiration Date"
set forth on the first page of this Agreement unless earlier terminated as
provided herein.

<PAGE>

     The Options and exercisability of the Options shall be subject in all
respects to the terms and conditions set forth in this Agreement, and all other
terms and conditions of the Plan and any rules or regulations or other
determinations of the Committee. It is not intended that the Options shall be
incentive stock options for purposes of the Internal Revenue Code of 1986.

     3. Transferability. The Options may not be sold, pledged, assigned,
hypothecated, transferred or disposed of in any manner other than by will or the
laws of descent and distribution or as specified in Section 5(g) of the Plan,
and the Options may be exercised during the lifetime of the Optionee by the
Optionee or by his or her guardian or legal representative. The Optionee may
designate a Beneficiary as provided in the Plan.

     4. Exercisable only during Employment; Death; Disability. The Options may
be exercised only during the continuance of the Optionee's employment, except as
provided in clauses (a), (b) and (c) below and paragraph 5.

     (a) Termination. If an Optionee's employment terminates for any reason
other than death, all exercisable portions or installments of the Options which
are exercisable on the date of termination of employment shall be exercisable by
the Optionee for a period of three (3) months following such termination; and

     (b) Death; Disability. If an Optionee dies or becomes Totally Disabled, the
Options shall be exercisable to the extent provided in Section 5(f) of the Plan.

     (c) Other. Any such exercise shall be subject to the satisfaction of all
other conditions to exercise contained in this Option Agreement and the Plan.

     5. Early Termination; Confidential Information; Forfeiture;.

     (a) To the extent enforceable under applicable law, the Optionee hereby
agrees and undertakes that he or she (i) will not, without the Company's prior
written consent, for a period of nine (9) months within the United States and
Canada directly or indirectly, alone or as a partner, officer, director,
employee, consultant, agent, independent contractor or significant shareholder
of any company or business, engage in any business activity which is directly or
indirectly in competition with the Company with respect to any of the products
or services being considered, developed, sold or otherwise marketed by the
Company at such time; and (ii) will not, for a period of (12) twelve months
within the United States and Canada directly or indirectly, employ, or knowingly
permit any company or business organization directly or indirectly controlled by
him or her to employ, any person who is employed by the Company or in any manner
seek to induce any such person to leave his or her employment by the Company.
Any unexercised Options shall be forfeited immediately upon a breach of such
undertaking as determined by the Committee and set forth in a notice given to
the Optionee and Company, any such determination to be final and binding on all
parties.

     (b) The Optionee hereby agrees and undertakes that he or she will not at
any time, whether during or after the termination of the Optionee's employment,
reveal to any person or

<PAGE>

entity any of the trade secrets or confidential information concerning the
products, services, organization, business or finances of the Company or of any
third party which the Company is under an obligation to keep confidential
(including but not limited to trade secrets or confidential information
respecting inventions, designs, methods, know-how, techniques, systems, software
programs, works of authorship, customer lists, projects, plans and proposals),
except as may be required in the ordinary course of performing the duties as an
Optionee of the Company, and the Optionee shall keep secret all matters
entrusted to him or her and shall not use or attempt to use any such information
in any manner which may injure or cause loss or may be calculated to injure or
cause loss, whether directly or indirectly, to the Company. Any unexercised
Options shall be forfeited immediately upon a breach of such undertaking as
determined by the Committee and set forth in a notice given to the Optionee and
Company, any such determination to be final and binding on all parties.

     (c) Any unexercised Options that have been awarded to the Optionee shall be
forfeited if the Committee determines that the Optionee's employment has been
terminated because of willful misconduct or gross negligence, or if at any time
after the termination of an employment, the Committee determined that the
Optionee has failed satisfactorily to carry out any of her or his remaining
obligations to the Company; or has engaged in any activity which is hostile,
detrimental or antagonistic to the best interests of the Company; or the
Optionee has been convicted of a crime or offense involving the misappropriation
of money or of a felony. The Committee's determination with respect to a
forfeiture shall be set forth in a notice given to the Optionee and to the
Company and shall be final and binding on all parties; any forfeiture shall take
place immediately upon receipt of the notice by the Company.

     (d) Optionee acknowledges and agrees that the Restrictive Covenants are
reasonable and necessary for the protection of the Company's business interests.
Nothing contained herein shall be construed as prohibiting the Company from
pursuing any other remedies available to it including equitable relief and the
recovery of any damages.

     (e) If any court of competent jurisdiction shall at any time deem any term
of this Agreement or any provision or provisions of any covenant, undertaking or
agreement on the part of the Optionee contained in this Section 5 ("Restrictive
Covenants") too lengthy or too restrictive or the territory too extensive, the
other terms and provisions of Section 5 shall nevertheless stand, the
restrictive periods shall be deemed to be the longest periods permissible by law
under the circumstances, the other restrictive provisions and conditions shall
be the most protective to the Company as may be permissible under law in the
circumstances, and the territory in which activities are restricted shall be
deemed to comprise the largest territory permissible by law under the
circumstances. The court in each case shall reduce the Restrictive Covenants,
time period, territory and/or other restrictions or provisions to the maximum
permissible duration or size or reasonable restriction.

     6. No Right to Dividends, Distributions or Voting. The Optionee shall not
have any rights as a shareholder with respect to any Option Shares until the
date of issuance of stock certificates for such Option Shares upon due exercise
of the Options. Until the issuance of stock certificates, no right to vote or
receive dividends or any other rights as a shareholder shall exist with respect
to Option Shares notwithstanding the exercise of the Options. No adjustment will

<PAGE>

be made for a dividend or other rights for which the record date is prior to the
date the stock certificate is issued except as provided in Section 7 hereof.

     7. Adjustment in Option Shares; Change of Control. If all or any portion of
the Options is exercised subsequent to any stock dividend, split-up,
recapitalization, combination or exchange of shares, merger, consolidation,
acquisition of property or stock, spin-off, reorganization or liquidation, as a
result of which shares of any class shall be issued in respect of outstanding
shares of common stock or shares of common stock shall be changed into the same
or a different number of shares of the same or another class or classes, the
person or persons so exercising the Options shall receive, for the aggregate
price payable upon such exercise of the Options, the aggregate number and class
of shares which, if shares of common stock (as authorized at the Grant Date) had
been purchased at the Grant Date of the Options for the same aggregate price (on
the basis of the price per Option Share provided in the Options) and had not
been disposed of, such persons or persons would be holding at the time of such
exercise, as a result of such purchase and any such stock dividend, split-up,
recapitalization, combination or exchange of shares, merger, consolidation,
acquisition of property or stock, spin-off, reorganization or liquidation;
provided, however, that no fractional share shall be issued upon any such
exercise. If any such adjustment shall result in the Optionee being entitled to
exercise the Options with respect to a fractional share, the number of shares
subject to the Options shall be reduced to the next lower number of full shares.
In the event of any such change in the outstanding common stock of the Company,
the aggregate number and class of shares reserved by the Company for exercise of
the Options to purchase common stock shall be that number and class which a
person, to whom Options had been granted for all of such reserved shares of
common stock on the date preceding such change, would be entitled to receive as
provided in the first sentence of this Section 7.

     If a Change of Control (whether or not hostile) is threatened or proposed,
all Options shall become exercisable in full as of seven business days prior to
the occurrence of the Change of Control, and further: (i) the terms of any
outstanding Options may be amended by the Committee to provide that the date of
termination of such Options may be extended, (ii) the Optionee shall, at his
option, be entitled to acquire the cash, property or securities which would be
receivable by him or her if he or she owned the total number of Option Shares
immediately prior to the Change of Control, and (iii) the Committee is
authorized to require the Company to take any action, with respect to Options,
described in Section 4(e) of the Plan which is equally or more fair and
equitable to the Optionee, in the judgement of the Committee, as the vesting of
100% of the Options.. The provisions of Section 4(f) of the Plan shall not apply
to this Option Agreement.

     8. Exercise. The Options shall be exercised by written notice to the
Company at its principal place of business, accompanied by full payment of the
purchase price, which notice shall:

     (a) state the election to exercise the Options, the number of shares in
respect of which it is being exercised, the person in whose name the stock
certificate or certificates for such shares

<PAGE>

of common stock is to be registered, his address and social security number (or
if more than one, the names, addresses and social security numbers of such
persons);

     (b) contain such representations and agreements as to the holder's
investment intent with respect to such shares of common stock as may be
satisfactory to the Company's counsel;

     (c) be signed by the person or persons entitled to exercise the Options
and, if the Options are being exercised by any person or persons other than the
Optionee, be accompanied by proof, satisfactory to counsel for the Company, of
the right of such person or persons to exercise the Options.

     Payment of the purchase price of any Option Shares shall be (i) by
certified or bank cashier's or teller's check or in clearing house funds or
(ii), only with the express written authorization of the Committee, by shares of
common stock of the Company duly endorsed for transfer valued at fair market
value at the date of tender as determined in accordance with the Plan. The
certificate or certificates for shares of common stock as to which the Options
shall be exercised shall be registered in the name of the person or persons
properly exercising the Options.

     9. Compliance with Laws and Regulations. The grant and exercise of the
Options, and the Company's obligation to sell and deliver stock hereunder, are
subject to such approvals by any regulatory or governmental agency as may be
required and shall comply with all relevant provisions of applicable Federal and
state laws, rules and regulations, including, without limitation, the Securities
Act of 1933, the Securities Exchange Act of 1934, state securities laws, the
rules and regulations promulgated thereunder, and the requirements of any stock
exchange or of any quotation association or organization upon which the Option
Shares may then be listed or quoted, and shall be further subject to the
approval of counsel for the Company with respect to such compliance. The Company
may imprint any legends on the Option Shares restricting their subsequent sale
or transfer which may be required by state or Federal law.

     Unless the Option Shares shall be duly registered under the Securities
Exchange Act of 1933 and registered, qualified or authorized under applicable
state securities law, the Optionee, by accepting these Options, represents and
warrants for himself and any other person or persons properly exercising these
Options that any and all shares purchased hereunder shall be acquired for
investment and not with the intention to sell or distribute such shares and
agrees to deliver to the Company a written representation that the shares being
purchased are being acquired for investment and not with a present intention of
sale or with a view to distribution, and a consent that the certificate
representing such shares be endorsed to indicate such representation. The
Company shall not be liable in the event it is unable to issue or sell shares of
Common Stock or other securities to the Optionee if such issuance or sale would
be unlawful, nor shall the Company be liable if the issuance or sale of shares
of Common Stock or other securities to an Optionee is subsequently invalidated.

     10. Withholding. The Company shall withhold all income or other taxes
permitted or required to be withheld by applicable law and shall remit them to
the appropriate taxing authority.

<PAGE>

     11. Employment Rights. Nothing contained in the Plan or in this Option
Agreement shall confer upon the Optionee any right to be employed by, or to be
continued in the employ of, the Company or of any of its subsidiaries or
interfere in any way with the right of the Company or any subsidiary by whom
such person may be employed to terminate his employment at any time.

     12. Notice of Disposition. If these Options shall be incentive stock
options the following shall apply: Optionee or his estate or legal
representative shall immediately notify the Company in the event of any
disposition of any kind by him of Option Shares acquired pursuant to these
Options. If the disposition shall be a "disqualifying" disposition within the
meaning of Section 422 of the Internal Revenue Code of 1986, the Optionee or his
estate or legal representation shall immediately pay any federal, state or local
taxes owing by reason of the exercise or disposition and provide proof of
payment to the Company.

     13. Notices. Any notice to be given under the terms of the Options shall be
addressed to the Company or to the Optionee at the addresses appearing on the
first page of this Agreement, or at such other address as either party may
hereafter designate in writing to the other.

     14. Interpretation of this Agreement. Any dispute regarding the
interpretation of this Agreement shall be resolved in accordance with the Plan
and may be submitted by the Optionee or by the Company forthwith to the
Committee for resolution, which shall review such dispute at the time of the
next regular meeting of the Board or such Committee. The decision of the
Committee, as the case may be, with regard to such dispute shall be final and
binding upon the Company and upon the Optionee.

     15. Successors and Assigns. Except as otherwise provided herein, the
provisions of this Agreement shall inure to the benefit of, and be binding upon,
the successors and assigns of the Company and the administrators, heirs and
legal representatives of the Optionee.

     16. Governing Law. This Agreement shall be governed by and construed in
accordance with the laws of the State of New York.

     17. Amendments. No provision of this Agreement shall be modified, amended,
extended or waived except in writing signed by the parties hereto or as
otherwise be permitted or contemplated by the Plan.FINANCING AGREEMENT

THIS AGREEMENT dated for reference July 15, 2000, is among Pacific Capital
Markets Inc., a British Columbia company of 1100 Melville Street, Suite 600,
Vancouver, British Columbia, V6E 4A6, and fax (604) 682-6509 ("PCMI"); and
Interface E.com, Inc., a Nevada company of 711 S. Carson Street, #4, Carson
City, Nevada, 89701, and fax care of (604) 664-0671("Interface"); and ViaPay
Technologies Limited, a United Kingdom company of 1000 Great West Road,
Brentford, Middlesex, England, TW8 9HH, and fax 44 (0)208 263 5647 ("ViaPay").

WHEREAS PCMI has agreed to finance Interface for the development of its
business, which it conducts through ViaPay, its UK subsidiary, FOR VALUABLE
CONSIDERATION, the receipt and sufficiency of which are acknowledged, and the
following mutual promises, the parties agree that:

                                 INTERPRETATION

1.   The definitions in the recitals are part of this agreement.

2.   In this agreement:

     a.   "Acquisition Agreement" means the acquisition agreement dated for
          reference July 15, 2000, between Interface, Kristina Solem, Ross Ivers
          and Gambrook Limited.

     b.   "Business Plan" means the business plan of ViaPay version 5.1 dated
          July 2000.

     c.   "Closing" means the date on which this agreement is signed.

     d.   "Consulting Agreement" means the consulting agreement between PCMI and
          Interface attached as exhibit A.

     e.   "Financing" means $12 million raised by the issuance of shares in the
          common stock of Interface at $6.00 per share under available
          registration exemptions.

     f.   "Loan" means $1 million loaned by PCMI to Tony Horrell and $500,000
          loaned to ViaPay.

     g.   "Subscription Agreement" means a subscription for shares of common
          stock of Interface under Regulation S of the United States securities
          laws in the form attached as exhibit B.

     h.   "Term" means the period of time from Closing to the end of 15 August
          2001.

     i.   "$" means United States dollars unless otherwise indicated.

                                 THE TRANSACTION

The Financing

3.   PCMI will arrange the Financing by delivering to Interface Subscription
     Agreements from qualified investors for the appropriate number of shares of
     Interface's common stock as set out in Table 1.

<TABLE>
<CAPTION>
Table 1
Financing Schedule
----------------------------------------------------------------------------------------
              Number of shares  Subscription   Consulting     Loan           Net
Date          @ $6 per share    amount         Agreement      repayment      proceeds
----------------------------------------------------------------------------------------
<S>                <C>          <C>            <C>            <C>            <C>
15 Aug 2000        331,500      $ 1,989,000    $         0    $         0    $ 1,989,000
15 Sep 2000        307,500        1,845,000        500,000              0      1,345,000
15 Oct 2000        554,000        3,324,000        500,000      1,500,000      1,324,000
15 Nov 2000        486,500        2,919,000        500,000              0      2,419,000
15 Dec 2000        320,500        1,923,000        500,000              0      1,423,000
              --------------------------------------------------------------------------
                 2,000,000      $12,000,000    $ 2,000,000    $ 1,500,000    $ 8,500,000
----------------------------------------------------------------------------------------
</TABLE>

<PAGE>

Financing Agreement                                                        2 / 5

4.   PCMI will confirm that the proceeds of the Financing have been paid into
     trust with Jeffs & Company, solicitors for PCMI, with instructions to pay
     the net proceeds to Interface when Interface has accepted the subscription
     and the subscriber has received the accepted Subscription Agreement.

5.   Interface, as soon as practical after it accepts the Subscription
     Agreements, will issue to the subscribers the required number of shares of
     its common stock under Regulation S of the United States securities law or
     other available registration exemption.

6.   PCMI reserves the right to amend the schedule set out in Table 1 if
     Interface or ViaPay fail to provide information that PCMI requests under
     the Consulting Agreement.

7.   Interface will advance the proceeds of the Financing to ViaPay. ViaPay will
     use the proceeds to develop its business as described in the Business Plan.

8.   Interface and ViaPay acknowledge that PCMI requires information about
     Interface and ViaPay's business in order to interest prospective
     subscribers to the Financing. Interface and ViaPay will provide any
     information that PCMI reasonably requests in order to adequately inform
     prospective subscribers.

Market Out

9.   PCMI reserves the right to terminate all of its obligations under this
     Agreement at any time if PCMI is of the reasonable opinion that the market
     conditions are not favourable for the completion or continuation of the
     Financing or if any event should develop that seriously affects or may
     seriously affect the financial markets or the business of ViaPay.

Right of First Refusal on Additional Financing

10.  Interface will give PCMI the right of first refusal to arrange any
     additional financing for Interface. Interface will give PCMI written notice
     of the terms and conditions of its requirements and its proposed use of
     proceeds at least two months before it requires the financing. PCMI must
     notify Interface in writing within one month of its receipt of the notice
     whether it intends to exercise its right to arrange the financing. This
     right of first refusal ends if PCMI refuses to arrange a specific
     financing.

Consulting Agreement

11.  Interface authorizes Jeffs & Company to pay to PCMI the amount of the
     Consulting Agreement from the proceeds of the Financing as set out in Table
     1.

Loan to Tony Horrell and ViaPay

12.  Interface and ViaPay acknowledge that ViaPay has received the proceeds of
     the Loan and authorize Jeffs & Company to repay the Loan to PCMI from the
     proceeds of the Financing on October 15, 2000, as set out in Table 1.

<PAGE>

Financing Agreement                                                        3 / 5

Investor Relations

13.  PCMI will conduct Interface's investor and public relations under the
     Consulting Agreement.

                              CONDITIONS PRECEDENT

14.  The following conditions must be satisfied before the Financing is advanced
     as set out in Table 1:

     a.   The representations and warranties of Interface and ViaPay must be
          true and correct in all material respects.

     b.   Gambrook Limited, Kristina Solem and Ross Ivers must sign the
          Acquisition Agreement.

     c.   Interface must sign the Consulting Agreement and must not be in
          default of any terms or conditions under the Consulting Agreement.

                               POSITIVE COVENANTS

Interface and ViaPay

15.  Interface and ViaPay will immediately begin an audit of their financial
     statements giving effect to the reverse merger completed under the
     Acquisition Agreement.

16.  Interface will, as soon as its financial statements have been audited, take
     the steps that are necessary to

     a.   have its shares approved for quotation on a senior quotation medium or
          listed for trading on a stock exchange, and

     b.   be listed in the Standard & Poor's Corporation Records with super
          accelerated coverage.

17.  During the Term, Interface and ViaPay and their successors, by merger or
     other corporate reorganization, will

     a.   maintain their corporate existence,

     b.   carry on their business in a proper and businesslike manner in
          accordance with good business practices, prudently manage their cash
          resources, and keep proper books of account in accordance with
          generally accepted accounting principles,

     c.   at the end of each week, deliver to PCMI a written progress report
          describing any strategic or material modifications of the Business
          Plan,

     d.   use their best efforts to complete each deliverable and milestone as
          set out in the Business Plan and to provide PCMI with clear, accurate
          and timely information concerning the status and progress of each
          deliverable and milestone,

     e.   by the twentieth day of each month, deliver to PCMI their consolidated
          financial statements for the preceding month consisting of a balance
          sheet, statement of operations, statement of changes in shareholders'
          equity, and statement of cash flow, all prepared in accordance with
          accounting principals generally accepted in the United States, and

     f.   deliver to PCMI any other information that PCMI reasonably requests.

                               NEGATIVE COVENANTS

18.  During the Term, neither Interface nor ViaPay will, without the written
     consent of PCMI,

<PAGE>

Financing Agreement                                                        4 / 5

     a.   authorize the issuance of or issue any of their shares or other
          securities except those authorized by this agreement,

     b.   authorize any changes to their charter documents unless the changes
          are required to implement this agreement,

     c.   cause any of their assets to be encumbered, sold or transferred,

     d.   grant options to their directors, officers and employees that may be
          exercised during the Term, or

     e.   permit any of their subsidiaries and affiliates to take any of the
          above listed actions or cause any dilution of Interface's interest in
          ViaPay.

                         REPRESENTATIONS AND WARRANTIES

PCMI

19.  PCMI represents and warrants that it has the experience and expertise
     required to negotiate and finalize the Financing and to perform the
     Consulting Agreement.

ViaPay

20.  ViaPay represents and warrants that:

     a.   The Business Plan truly and accurately reflects its business.

     b.   It is a company formed and in good standing under the laws of United
          Kingdom.

     c.   It has the legal capacity and authority to make and perform this
          agreement.

     d.   It has conducted no other business except the business that is
          described in the Business Plan.

     e.   No person has made a claim against it before any court or regulatory
          authority, no claims are pending or threatened, and it is not aware of
          any ground for any claim that might succeed.

                                OTHER PROVISIONS

21.  Interface will pay all legal and other costs in connection with the making
     and performing of this Agreement out of the proceeds of the Financing.

22.  This is the entire agreement among the parties and replaces any earlier
     understandings and agreements regarding financing, whether written or oral.

23.  Time is of the essence of this agreement.

24.  This agreement is governed by the laws of British Columbia and must be
     litigated in the courts of British Columbia.

25.  Any notice that must be given or delivered under this agreement must be in
     writing and delivered by hand to the address or transmitted by fax to the
     fax number given for the party on page 1 and is deemed to have been
     received when it is delivered by hand or transmitted by fax unless the
     delivery or transmission is made after 4:00 p.m. or on a non-business day
     where it is received, in which case it is deemed to have been delivered or
     transmitted on the next business day. Any payments of money must be
     delivered by hand or wired as

<PAGE>

Financing Agreement                                                        5 / 5

     instructed in writing by the receiving party. Any delivery other than a
     written notice or money must be made by hand at the receiving party's
     address.

26.  Neither Interface nor ViaPay may assign this agreement or any part of it to
     another party.

27.  Any amendment of this agreement must be in writing and signed by the
     parties.

28.  This agreement enures to the benefit of and binds the parties and their
     respective successors, heirs and permitted assignees.

29.  No failure or delay of PCMI in exercising any right under this agreement
     operates as a waiver of the right. PCMI's rights under this agreement are
     cumulative and do not preclude PCMI from relying on or enforcing any legal
     or equitable right or remedy.

30.  If any provision of this agreement is, illegal or unenforceable under any
     law, the remaining provisions remain legal and enforceable.

31.  This agreement may be signed in counterparts and delivered to the parties
     by fax, and the counterparts together are deemed to be one original
     document.

THE PARTIES' signatures below are evidence of their agreement.

Pacific Capital Markets Inc.                    ViaPay Technologies Limited

/s/ Richard N. Jeffs                            /s/ Oliver Lacey
-------------------------------                 -------------------------------
Authorized Signatory                            Authorized Signatory
August 16, 2000                                 August 16, 2000

Interface E.com, Inc.
                                                /s/ Susan Lacey
                                                -------------------------------
/s/ Feliberto Gurat, Jr.                        Authorized Signatory
-------------------------------                 August 16, 2000
Authorized Signatory
August 18, 2000

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