Document:

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                               FACE OF GLOBAL NOTE

         Unless this certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation ("DTC"), to Issuer or its
agent for registration of transfer, exchange, or payment, and any certificate
issued is registered in the name of Cede & Co. or in such other name as is
requested by an authorized representative of DTC (and any payment is made to
Cede & Co. or to such other entity as is requested by an authorized
representative of DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE BY OR TO ANY PERSON IS WRONGFUL inasmuch as the registered owner
hereof, Cede & Co., has an interest herein.

REGISTERED                                                    PRINCIPAL AMOUNT
CUSIP No. 892332 AK 3                                         (Y)50,000,000,000

                                                              CERTIFICATE NO. __

                         TOYOTA MOTOR CREDIT CORPORATION
                              0.625% NOTES DUE 2003

         TOYOTA MOTOR CREDIT CORPORATION, a California corporation
(hereinafter, the "Company," which term includes any successor corporation
under the Indenture hereinafter referred to), for value received, hereby
promises to pay to CEDE & CO., or registered assigns, the principal sum of
(Y)50,000,000,000 on May 23, 2003 (the "Stated Maturity Date"), and to pay
interest thereon from May 23, 2000 or from the most recent date on which
interest has been paid or duly provided for, semi-annually on May 23 and
November 23 (each, an "Interest Payment Date") in each year commencing
November 23, 2000, and at maturity at the rate of 0.625% per annum, until the
principal hereof is paid or duly made available for payment.

         Interest on this Note shall be computed on the basis of the actual
number of days in a year consisting of 365 days. Whenever it is necessary to
compute any amount of accrued interest in respect of the Note for a period of
less than one full year, other than with respect to regular semi-annual interest
payments, interest will be calculated on the basis of the actual number of days
in the period and a year of 365 days.

         If a date for payment of principal or interest on this Note falls on a
day that is not a Business Day, the related payment of principal, premium, if
any, or interest will be made on the next succeeding Business Day as if made on
the date the payment was due. No interest shall accrue on any amounts payable
for the period from and after the date for payment of principal or interest on
this Note. For these purposes, "Business Day" means any day which is a day on
which commercial banks and foreign exchange markets settle payments and are open
for general business (including dealings in foreign exchange and foreign
currency deposits) in: (a) the relevant place of payment, and (b) The City of
New York, Tokyo and London.

         The interest so payable and punctually paid or duly provided for on any
Interest Payment Date will as provided in the Indenture be paid to the Person in
whose name this Note (or one or more Predecessor Securities) is registered at
the close of business on the Regular Record Date

<PAGE>

for such Interest Payment Date, which shall be the May 3 or the November 3
(whether or not a Business Day) immediately preceding such Interest Payment
Date. Any such interest which is payable, but not punctually paid or duly
provided for on any Interest Payment Date, shall forthwith cease to be payable
to the registered Holder on such Regular Record Date, and may be paid to the
Person in whose name this Note (or one or more Predecessor Securities) is
registered at the close of business on a Special Record Date for the payment of
such Defaulted Interest to be fixed by the Trustee, notice whereof shall be
given to the Holder of this Note not less than 10 days prior to such Special
Record Date, or may be paid at any time in any other lawful manner, all as more
fully provided in the Indenture.

         Payment of the principal of and interest on this Note will be made
under the terms and conditions set forth in the Exchange Rate Agent Agreement,
dated as of May 23, 2000, between the Company and The Chase Manhattan Bank, as
exchange rate agent, relating to this Note; PROVIDED, however, that at the
option of the Company, payment of interest may be made by check mailed to the
address of the Person entitled thereto as such address shall appear in the
Security Register; and PROVIDED, FURTHER, that AT THE OPTION OF THE COMPANY, the
Holder of this Note shall be entitled to receive payments of principal of and
interest on this Note by wire transfer of immediately available funds if
appropriate wire transfer instructions have been received by the Trustee not
less than 15 days prior to the applicable payment date.

         Reference is hereby made to the further provisions of this Note set
forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.

         This Note is one of a series of Securities designated under the
Indenture as 0.625% Notes due 2003 (the "Notes").

         Unless the certificate of authentication hereon has been executed by or
on behalf of The Chase Manhattan Bank, the Trustee under the Indenture, or its
successor thereunder, by the manual signature of one of its authorized officers,
this Note shall not be entitled to any benefit under the Indenture or be valid
or obligatory for any purpose.

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         IN WITNESS WHEREOF, the Company has caused this instrument to be duly
executed, manually or in facsimile, and an imprint or facsimile of its corporate
seal to be imprinted hereon.

Dated:  May __, 2000              TOYOTA MOTOR CREDIT CORPORATION

[SEAL]                            By:_____________________________
                                      George E. Borst
                                      Senior Vice President and General Manager

Attest:

By: _______________________
    Robert Pitts
    Assistant Secretary

CERTIFICATE OF AUTHENTICATION
This is one of the Securities of the series
designated therein referred to in
the within-mentioned Indenture.

THE CHASE MANHATTAN BANK
    as Trustee

By:  ______________________
     Authorized Officer

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                         TOYOTA MOTOR CREDIT CORPORATION
                              0.625% NOTES DUE 2003

         This Note is one of a duly authorized series of the Securities
(hereinafter called the "Securities") of the Company, issued and to be issued
under an Indenture dated as of August 1, 1991, between the Company and The Chase
Manhattan Bank as amended by the First Supplemental Indenture, dated as of
October 1, 1991 among the Company, The Chase Manhattan Bank and Bankers Trust
Company, pursuant to which The Chase Manhattan Bank acts as Trustee of the
Securities (herein called the "Trustee," which term includes any successor
Trustee under the Indenture), to which Indenture and all indentures supplemental
thereto reference is hereby made for a statement of the respective rights
thereunder of the Company, the Trustee and the Holders of the Securities and the
terms upon which the Securities are to be authenticated and delivered.

         Except as otherwise provided in the Indenture, the Securities will be
issued in global form only registered in the name of The Depository Trust
Company (the "Depositary") or its nominee. The Securities will not be issued in
definitive form, except as otherwise provided in the Indenture, and ownership of
the Securities shall be maintained in book entry form by the Depositary for the
accounts of participating organizations of the Depositary.

         Except as provided below, this Note will not be subject to redemption
before the Stated Maturity Date by a sinking fund or otherwise.

         The Company will pay to the Holder of this Note for the benefit of each
beneficial owner of an interest in this Note (each, a "beneficial owner") who is
a non-United States person (as defined below), additional amounts ("Additional
Amounts") necessary in order that every net payment in respect of the principal,
premium, if any, or interest, if any, on this Note, after deduction or
withholding by the Company or any paying agent for or on account of any present
or future tax, assessment or governmental charge imposed upon or as a result of
such payment by the United States or any political subdivision or taxing
authority, will not be less than the amount provided for in this Note to be then
due and payable before any deduction or withholding for or on account of any
such tax, assessment or governmental charge. The foregoing obligation to pay
Additional Amounts will not apply to:

               (a)  any tax, assessment or other governmental charge which would
not have been so imposed but for:

                         (i) the existence of any present or former connection
                    between the beneficial owner (or a fiduciary, settlor,
                    beneficiary, member or shareholder of, or holder of a power
                    over, the beneficial owner, if the beneficial owner is an
                    estate, trust, partnership or corporation) and the United
                    States, including, without limitation, the beneficial owner
                    (or the fiduciary, settlor, beneficiary, member, shareholder
                    of, or holder of a power) being or having been a citizen or
                    resident or treated as a resident or being or having been
                    engaged in a trade or business therein or being or having
                    been present therein or having or having had a permanent
                    establishment therein, or

<PAGE>

                         (ii) the beneficial owner's present or former status as
                    a personal holding company or foreign personal holding
                    company or controlled foreign corporation for United States
                    federal income tax purposes or corporation which accumulates
                    earnings to avoid United States federal income tax;

               (b)  any tax, assessment or other governmental charge which
would not have been so imposed but for the presentation by the Holder of this
Note for payment on a date more than 10 days after the date on which the payment
became due and payable or the date on which payment is duly provided for,
whichever occurs later;

               (c)  any estate, inheritance, gift, sales, transfer, personal
property or excise tax or any similar tax, assessment or governmental charge;

               (d)  any tax, assessment or other governmental charge which is
payable otherwise than by withholding from payments in respect of principal of,
premium, if any, or interest, if any, on this Note;

               (e)  any tax, assessment or other governmental charge imposed
on interest received by a beneficial owner of this Note who actually or
constructively owns 10% or more of the total combined voting power of all
classes of stock of the Company entitled to vote within the meaning of Section
871(h)(3) of the United States Internal Revenue Code of 1986, as amended;

               (f)  any tax, assessment or other governmental charge imposed
as a result of the failure to comply with:

                         (i) certification, information, documentation,
                    reporting or other similar requirements concerning the
                    nationality, residence, identity or connection with the
                    United States of the Holder or beneficial owner of this
                    Note, if such compliance is required by statute, or by
                    regulation of the United States Treasury Department, as a
                    precondition to relief or exemption from such tax,
                    assessment or other governmental charge (including backup
                    withholding), or

                         (ii) any other certification, information,
                    documentation, reporting or other similar requirements under
                    United States income tax laws or regulations that would
                    establish entitlement to otherwise applicable relief or
                    exemption from such tax, assessment or other governmental
                    charge;

               (g)  any tax, assessment or other governmental charge required
to be withheld by any paying agent from any payment of the principal of,
premium, if any, or interest, if any, on this Note, if such payment can be made
without such withholding by at least one other paying agent; or

               (h)  any combination of items (a), (b), (c), (d), (e), (f) or
(g);

<PAGE>

nor will Additional Amounts be paid to any Holder in respect of a beneficial
owner who is a fiduciary or partnership or other than the sole beneficial owner
of this Note to the extent a settlor or beneficiary with respect to the
fiduciary or a member of such partnership or a beneficial owner of this Note
would not have been entitled to payment of Additional Amounts had the
beneficiary, settlor, member or beneficial owner been the sole beneficial owner
of this Note.

                  This Note is subject in all cases to any tax, fiscal or other
law or regulation or administrative or judicial interpretation applicable
thereto. Except as specifically provided herein, the Company will not be
required to make any payment with respect to any tax, assessment or governmental
charge imposed by any government or a political subdivision or taxing authority
thereof or therein.

                  The term "United States" means the United States of America
(including the States and the District of Columbia) and its territories, its
possessions and other areas subject to its jurisdiction.

                  The term "United States person" mean a beneficial owner of
this Note that is for United States federal income tax purposes:

                  (1)      a citizen or resident of the United States,

                  (2)      a coporation, partnership or other entity created or
                           organized in or under the laws of the United States
                           or of any political subdivision thereof,

                  (3)      an estate the income of which is subject to United
                           States federal income taxation regardless of its
                           source, or

                  (4)      a trust if (i) a court within the United States is
                           able to exercise primary supervision over the
                           administration of the trust and (ii) one or more
                           United States persons have the authority to control
                           all substantial decisions of that trust.

                  The term "non-United States person" means a beneficial owner
of this Note that is, for United States federal income tax purposes:

                  (1)      a nonresident alien individual,

                  (2)      a foreign corporation,

                  (3)      a nonresident alien fiduciary of a foreign estate or
                           trust, or

                  (4)      a foreign partnership one or more of the members of
                           which is, for United States federal income tax
                           purposes, a nonresident alien individual, a foreign
                           corporation or a nonresident alien fiduciary of a
                           foreign estate or trust.

<PAGE>

         If as result of any change in or amendment to the laws (including any
regulations or rulings promulgated thereunder) of the United States or any
political subdivision thereof or therein affecting taxation, any change in the
official application or interpretation of such laws, including any official
proposal for such a change, amendment or change in the application or
interpretation of such laws, which change, amendment, application or
interpretation is announced or becomes effective after May 11, 2000 (the date of
the prospectus supplement relating to this Note) or which proposal is made after
that date, as a result of any action taken by any taxing authority of the United
States which action is taken or becomes generally known after such date, or any
commencement of a proceeding in a court of competent jurisdiction in the United
States after that date, whether or not such action was taken or such proceeding
was brought with respect to the Company, there is, in that case, in the written
opinion of independent legal counsel of recognized standing to the Company, a
material increase in the probability that the Company has or may become
obligated to pay Additional Amounts (as described above), and the Company in its
business judgment, determines that the obligation cannot be avoided by the use
of reasonable measures available to it, not including assignment of any Note,
the Notes may be redeemed, as a whole but not in part, at the Company's option
at any time thereafter, upon notice to the Trustee and the Holder of this Note
in accordance with provisions of the Indenture at a redemption price equal to
100% of the principal amount of this Note to be redeemed together with accrued
interest to the date fixed for redemption.

         If an Event of Default with respect to the Notes shall occur and be
continuing, the principal of all the Notes may be declared due and payable in
the manner and with the effect provided in the Indenture.

         The Indenture permits, with certain exceptions as therein provided, the
amendment thereof and the modification of the rights and obligations of the
Company and the rights of the Holders of the Securities of each series to be
affected thereby at any time by the Company and the Trustee with the consent of
the Holders of 66 2/3% in aggregate principal amount of the Outstanding
Securities of each series affected thereby. The Indenture also contains
provisions permitting the Holders of specified percentages in aggregate
principal amount of the Securities of each series at the time Outstanding, on
behalf of the Holders of all the Securities of such series, to waive compliance
by the Company with certain provisions of the Indenture and certain past
defaults under the Indenture and their consequences. Any such consent or waiver
by the Holder of this Note shall be conclusive and binding upon such Holder and
upon all future Holders of this Note and of any Note issued upon the
registration of transfer hereof or in exchange herefor or in lieu hereof whether
or not notation of such consent or waiver is made upon this Note.

         No reference herein to the Indenture and no provision of this Note or
of the Indenture shall alter or impair the obligation of the Company, which is
absolute and unconditional, to pay the principal of and interest on this Note at
the time, place and rate, and in the coin or currency, herein prescribed.

         As provided in the Indenture and subject to certain limitations therein
set forth, the transfer of this Note may be registered on the Security Register
of the Company, upon surrender of this Note for registration of transfer at the
office or agency of the Company in the Borough of Manhattan, The City of New
York, duly endorsed by, or accompanied by a written instrument of

<PAGE>

transfer in form satisfactory to the Company and the Security Registrar duly
executed by, the Holder hereof or by his attorney duly authorized in writing,
and thereupon one or more new Notes of authorized denominations and for the same
aggregate principal amount, will be issued to the designated transferee or
transferees.

         The Notes are issuable only in registered form without coupons in
denominations of (Y)1,000,000 and any integral multiple thereof. As provided in
the Indenture and subject to certain limitations therein set forth, the Notes
are exchangeable for a like aggregate principal amount of Notes as requested by
the Holder surrendering the same.

         No service charge shall be made for any such registration of transfer
or exchange, but the Company may require payment of a sum sufficient to cover
any tax or other governmental charge payable in connection therewith.

         Prior to due presentment of this Note for registration of transfer, the
Company, the Trustee and any agent of the Company or the Trustee may treat the
Person in whose name this Note is registered as the owner hereof for all
purposes, whether or not this Note be overdue, and neither the Company, the
Trustee nor any such agent shall be affected by notice to the contrary.

         All terms used in this Note which are defined in the Indenture shall
have the meanings assigned to them in the Indenture.

<PAGE>

                                  ABBREVIATIONS

         The following abbreviations, when used in the inscription on the face
of this instrument, shall be construed as though they were written out in full
according to applicable laws or regulations.

         TEN COM--as tenants in common

         UNIF GIFT MIN ACT--.................Custodian...................
                                (Cust)                       (Minor)

                  Under Uniform Gifts to Minors Act
                  .................................
                              (State)

         TEN ENT--as tenants by the entireties
         JT TEN--as joint tenants with right of survivorship and not as
                 tenants in common

         Additional abbreviations may also be used though not in the above list.

<PAGE>

                            ASSIGNMENT/TRANSFER FORM

         FOR VALUE RECEIVED the undersigned Registered Holder hereby sell(s),
assign(s) and transfer(s) unto (insert Taxpayer Identification No.) ____________
________________________________________________________________________________
________________________________________________________________________________
(Please print or typewrite name and address including postal zip code of
 assignee)
______________________________________________________________________________
the within Note and all rights thereunder, hereby irrevocably constituting and
appointing _______________________________ attorney to transfer said Note on the
books of the Company with full power of substitution in the premises.

Dated:____________________               _______________________________________

               NOTICE: The signature of the Registered Holder to this assignment
               must correspond with the name as written upon the face of the
               within instrument in every particular, without alteration or
               enlargement or any change whatsoever.<PAGE>
                           DEPLOYMENT AND INSTALLATION

                                SERVICE AGREEMENT

         THIS DEPLOYMENT AND INSTALLATION SERVICE AGREEMENT ("AGREEMENT") IS
ENTERED INTO ON MAY 1, 2000 , between Fonecash, Inc.., a Delaware corporation
("Company"), with offices at 90 Park Avenue, Suite 1700, New York, NY 10016, and
Fusion Capital, a Delaware corporation ("Provider"), with its principal office
located at 600 S North Lake Blvd., Suite 145, Altamonte Springs, Florida 32701.

                                   BACKGROUND:

         A. Company supplies a Point-of-Sale ("POS") terminal and telephone
communications services between its POS locations and its servers for the
purpose of payment processing, and

         B. Provider desires to supply deployment and installation services
("Services"), upon the terms and conditions set forth in this Agreement, to
Company.

                                   AGREEMENT:

         NOW, THEREFORE, Intending to be legally bound, the parties agree as
follows:

BUSINESS PROVISIONS:

1. Service Commencement Date. Beginning on or about June 15,2000, Company shall
provide 500 of the Company's POS terminals to Provider with the purpose that
Provider will supply its work force to deliver, install the Company POS
terminals in merchants' location and provide other training services so that the
merchant/user will become familiar with the operation of the Company's
equipment.

2. PERIOD OF SERVICE. This Agreement shall be effective and the parties'
obligations shall commence on the above date of execution by the parties and
this Agreement shall continue (subject to Company's right to terminate Agreement
sooner, as provided in Sections 5 and 6) for a period of SIX (6) MONTHS from
such date. Agreement may be automatically renewed on a month-to-month basis
after the expiration of the initial term or any subsequent term . If either
party desires to cancel this Agreement upon the expiration of the initial term
or subsequent term, it shall give the other party written notice of its intent
to cancel at least thirty (30) days prior to the expiration of the current term.
This Agreement shall continue and remain in full force and effect until canceled
by either party subject to notice as provided herein.

GENERAL PROVISIONS.

3. INVOICE.

         (a) Provider shall submit an invoice based upon the deployment and
installation and training for 500 units of the Company's POS terminals to
various merchant locations in the Continental United States for a fixed price
which includes all of the services requested by the Company.

         (b) The Company agrees to pay the entire amount in one lump sum payment
based upon the invoice submitted by the Provider. The Company acknowledges
receipt of the Provider's

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<PAGE>

invoice for a total amount of $37,000, or $74.00 per unit, inclusive of all
the services noted in section (a) above.

4. TAXES. Upon the execution of this Agreement, Provider shall furnish Company
with a properly executed Certificate of Exemption for all foreign, federal,
state, county and local taxes and fees (if any) and shall be responsible for the
collection of all applicable end-user taxes and fees and the remittance of such
taxes and fees to the relevant governmental authority.

5. TERMINATION. If Services have not been received by the Due Date described
above, or any extension thereof permitted in writing at Company's option, then
Company may at Its sole discretion, and with five (5) days prior written notice
to Provider, terminate this Agreement. Company reserves the right to collect
attorneys' fees and any and all costs incurred by Company for the collection of
equipment and any portion of the lump sum payment which is due because of the
Company's POS terminals not having been deployed or installed as required by the
terms of this Agreement.

6. ADJUSTMENTS. Requests for billing adjustments must be made within sixty (60)
days of the invoice date. Any amounts which are determined to be in error will
be credited against the next invoice of an approved adjustment. Such request for
adjustment shall not be cause for delay in payment of any balance due.

7. NO WARRANTIES. COMPANY MAKES NO WARRANTY, EXPRESS OR IMPLIED, WITH RESPECT TO
THE TRANSMISSION SERVICES PROVIDED HEREUNDER AND EXPRESSLY DISCLAIMS ANY
WARRANTY OF MERCHANTABILITY, DESCRIPTION OR FITNESS FOR ANY PARTICULAR PURPOSE
OR FUNCTION.

8. WAIVER OF LIABILITY. As a material inducement for Provider to provide the
Services hereunder at the prices stated, Company agrees that Provider shall in
no event be liable for any loss, expense or damage for (i) loss of revenue,
profits savings, business or goodwill, and (ii) exemplary, proximate,
consequential, or incidental damages and expenses of any type or nature on
account of any breach or default hereunder by Provider or on account of the use
or nonuse of the Company's equipment.

9. INDEMNITY. Provider shall indemnify and hold harmless Company, its
stockholders, officers, directors, employees and agents from any and all loss,
cost, damage, expense or liability, including, without limitation, court costs
and reasonable attorneys' fees, arising out of, in whole or in part, directly or
indirectly, the installation, hook-up, maintenance, service or trouble-shooting
of the POS terminals described in this Agreement including any interruption of
transmission service to Company, its employees, agents and customers, except
when caused by the gross negligence by the Provider or the intentional
violations of any applicable law or governmental regulation by Provider.

10. REGULATIONS. This Agreement is made expressly subject to all present and
future valid orders and regulations of any regulatory body having jurisdiction
over the subject matter hereof and to the laws of the United States of America,
any of its states, or any foreign governmental agency having jurisdiction. In
the event this Agreement, or any of its provisions, shall be found contrary to
or in conflict with any such order, rule, regulation or law, this Agreement
shall be deemed modified to the extent necessary to comply with any such order,
rule, regulation or law and shall be modified in such a way as Is consistent
with the form, intent and purpose of this Agreement.

11. NO AGENCY. Neither party is authorized to act as an agent for, or legal
representative of, the other party and neither party shall have the authority to
assume or create any obligation on behalf of, In the name of, or binding upon
the other party.

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<PAGE>

12. FORCE MAJEURE. The parties' obligations under this Agreement are subject to
the terms herein, and neither party shall be liable for, delays, failures to
perform (except the payment of money by Company), damages, losses or
destruction, or malfunction of any equipment or any consequence thereof caused
or occasioned by, or due to fire, flood, water, the elements, labor disputes or
shortages, utility curtailments, power failures, explosions, civil disturbances,
governmental actions, shortages of equipment for supplies, unavailability of
transportation, acts or omissions of third parties, or any other cause beyond
the party's reasonable control. Company shall not represent that Provider is
responsible for the type or quality of Company's telecommunication services to
its customers.

13. NO WAIVER. The failure of either party to enforce or insist upon compliance
with any of the provisions of this Agreement or the waiver thereof, in any
instance, shall not be construed as a general waiver or relinquishment of any
other provision of this Agreement.

14. BINDING EFFECT. This Agreement shall be binding upon and inure to the
benefit of the parties hereto and their respective heirs, successors and
assigns. Neither party shall voluntarily or by operation of law assign,
transfer, license, or otherwise transfer all or any part of Its right, duties or
other interests in this Agreement or the proceeds thereof (collectively,
"Assignment"), without the other party's prior written consent, which consent
shall not be unreasonably withheld or delayed. Any attempt to make an Assignment
in violation of this provision shall be null and void. Company shall provide
written notice to Provider of any material change in ownership of Company.
Provider's failure to comply with the assignment provisions, as contained in
this paragraph, shall give Company, at its sole discretion, the option to either
accept Provider's assignee or terminate this Agreement. No assignment shall
release Provider of its obligations hereunder.

15. AMENDMENT. This Agreement may not be amended except by an instrument in
writing, executed by the parties. No modification or amendment hereto shall be
effected by the acknowledgment or acceptance by either party of any purchaser
order, sales acknowledgment or other similar form from the other party.

16. MERGER. This Agreement (including its exhibits) supersedes and merges all
prior agreements, promises, understandings, statements, representations,
warranties, indemnities and covenants and all inducements to the making of this
Agreement relied upon by either party herein, whether written or oral, and
embodies the parties' complete and entire agreement with respect to the subject
matter hereof. No statement or agreement, oral or written, made before the
execution of this Agreement shall vary or modify the written terms hereof in any
way whatsoever.

17. INTERPRETATION. The words and phrases used herein shall have the meaning
generally understood in the automated payment processing industry. This
Agreement shall be construed in accordance with its fair meaning and not for or
against either party on account of which party drafted this Agreement.

18 THIRD PARTY BENEFICIARIES/PARTIES IN INTEREST. This Agreement has been made
and is made solely for the benefit of the Provider and Purchaser, and their
respective successors and permitted assigns. Nothing in this Agreement is
intended to confer any rights/remedies under or by reason of this Agreement on
any third party.

19. SEVERABILITY. If any term or provision of this Agreement is determined to be
illegal, unenforceable, or invalid in whole or in part for any reason, such
illegal, unenforceable, or invalid provisions or part(s) thereof shall be
stricken from this Agreement and such provision shall not affect the legality,
enforceability, or validity of the remainder of this Agreement. If any provision
or part thereof of this Agreement is stricken in accordance with the provisions
of this section, then the stricken provision shall be replaced, to the extent
possible, with a legal, enforceable, and valid provision that is as similar in
tenor to the stricken provision as is legally possible.

                                       3
<PAGE>

20. REPRESENTATION OF AUTHORITY. Each party represents and warrants to the other
that the execution and delivery of this Agreement and the performance of such
party's obligations hereunder have been duly authorized and that the Agreement
is a valid and legal agreement binding on such parties and enforceable in
accordance with its terms.

21. FURTHER ASSURANCES. The parties shall at their own cost and expense execute
and deliver such further documents and instruments and shall take such other
actions as may be reasonably required or appropriate to carry out the intent and
purposes of this Agreement.

22. GOVERNING LAW. This Agreement shall be in all respects, governed by and
construed and enforced in accordance with the laws of the State of New York,
including all matters of construction, validity and performance. Any action to
enforce or interpret the terms of this Agreement shall be instituted and
maintained in the Superior Court of the County of Manhattan, State of New York.
Provider hereby consents to the jurisdiction of such court and waives any
objections to such jurisdiction. In any action or proceeding arising out of this
Agreement, the party prevailing in such action shall be entitled to recover its
reasonable attorneys' fees and costs.

23. COUNTERPARTS. This Agreement may be executed in several counterparts, each
of which shall constitute an original, but all of which shall constitute one and
the same Instrument.

24. NOTICES. All notices, demands, requests and other communications required or
permitted hereunder shall be in writing and shall be deemed to be delivered when
actually received, or, if earlier and regardless of whether actually received on
the day following the date of mailing, first class mail, duly addressed and with
proper postage to the last known place of business of either party. Notices will
be delivered as follows:
<TABLE>

<S>         <C>                                  <C>           <C>
To Company:  Attn: Technical Service Manager      To Provider:  Attn: Contract Manager
             FoneCash, Inc.                                     Fusion Capital Corp.
             90 Park Avenue,                                    600 S North Lake Blvd.
             Suite 1700                                         Suite 145
             New York, NY 10016                                 Altamonte Springs, FL 32701

</TABLE>

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

Company: FoneCash, Inc.                 Provider: Fusion Capital Corp

By:  /s/ Daniel E. Charboneau           By: /s/ Reginald L. Clarke
     --------------------------            ------------------------
     Chairman/CEO                          President

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00010-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00010-of-00352.parquet"}]]