Document:

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                                                                  EXHIBIT 10.18

                           MERCHANT SERVICES AGREEMENT

This Agreement made as of the 27th day of April 2002 between Global Payments
Direct, Inc. (hereinafter referred to as "Global") with principal offices
located at Four Corporate Square, Atlanta, GA 30329-2009 and Online Data Corp.
(hereinafter referred to as "ISO") with principal offices located at 2 Westbrook
Corporate Center, Suite 200, Westchester, Illinois, 60154.

In consideration of the mutual promises hereinafter set forth, the parties
hereby agree as follows:

A.    MERCHANTS

      ISO will market Global's merchant processing services to merchants. Global
      will provide ISO with the Global credit policies and ISO agrees to use its
      best efforts not to accept any merchant application which does not meet
      Global's credit criteria ISO will prescreen all potential merchants and
      submit to Global a complete application package containing the findings in
      the pre-screening process. Global will use reasonable efforts to accept or
      decline any such merchant within two business days of receipt of a
      completed application by Global's credit department. Global may refuse to
      accept any such merchant and such decision shall be at the sole discretion
      of Global. A referred merchant shall be considered accepted when (1) it
      has been approved by Global, and (2) it has a fully executed merchant
      agreement (the "Merchant Agreement") between the merchant, Global, and a
      member of MasterCard and Visa (if required by the applicable card
      association network). Any such accepted merchant shall hereinafter be
      referred to as a Merchant.

B.    SERVICES

      1.    Credit Review. Global will provide on-going credit review for all
            Merchants. Upon request from Global, ISO will reasonably assist
            Global in obtaining and providing updated financial information from
            any Merchant.

      2.    Collections. Global will make reasonable attempts at collecting any
            amount owed by a Merchant under its Merchant Agreement but ISO will
            reasonably assist Global, as requested, in such collection efforts.
            Subsequent to Global's receipt of payment from ISO, as set forth
            herein, of any amount due to Global from a Merchant under a Merchant
            Agreement, Global will promptly assign to ISO the account receivable
            resulting from the unpaid obligation of the Merchant, allowing ISO
            to assume the collection efforts associated with the unpaid Merchant
            obligation.

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      3.    (a) Chargebacks and Credit Losses. Global agrees to use reasonable
            efforts to process retrieval requests and chargebacks relating to
            Merchants in an expeditious manner. ISO shall bear any and all
            losses, costs, or expenses, including reasonable outside attorney's
            fees, arising from or related to all chargebacks and credit losses
            in respect of any Merchant Agreement, including the principal amount
            of all chargebacks and credit losses. An amount equal to ISO's
            liability for the chargebacks, credit losses, costs and expenses
            referenced above will be deducted by Global each month from the
            Reserve Account identified below in Section 3(b), and/or from ISO's
            monthly payment due from Global hereunder and defined as
            Compensation in Section D below. If the ISO's liability for such
            losses cannot be satisfied each month through deductions from the
            Reserve Account and/or from ISO's Compensation due from Global
            hereunder, ISO will promptly pay the entire amount or any balance
            due for the applicable month to Global within ten (10) business days
            of Global's request for such payment. This Section shall survive
            termination of this Agreement.

            (b) Reserve Account & Compensation Deductions/Security Interests.
            (i) Global shall establish a deposit account (the "Reserve Account")
            to secure the performance of ISO hereunder. The Reserve Account
            shall be funded in the following manner: ISO shall fund the Reserve
            Account in the amount of $30,000 upon execution of this Agreement.
            In addition, at such time that ISO's gross monthly bankcard volume
            processed hereunder equals or exceeds $60,000,000, then, commencing
            in the month that the referenced volume is met and each month
            thereafter, Global shall debit from the Compensation payable to ISO
            hereunder and deposit into the Reserve Account that amount necessary
            to maintain the Reserve Account in an amount which is equal to
            $30,000 plus five (5) basis points of the gross dollar volume of the
            aggregate Merchant transactions processed during the two (2) months
            preceding the date of the monthly debit. The formula set forth in
            this section for calculation of the Reserve Account will be reviewed
            by Global at the end of each six (6) month period during the term of
            the Agreement, and Global may modify the formula for calculating the
            Reserve Account after each such review as it deems necessary to
            insure that the Reserve Account is proportionate to the then current
            measure of credit losses, chargebacks and related expenses
            hereunder. Global will provide ISO with notice of modifications to
            the Reserve Account formula which shall be effective for the next
            subsequent six (6) month period of the Agreement.

            (ii) Promptly after each debit by Global for Reserve Account
            purposes, but not later than seven (7) days after the date of such
            debit, Global shall submit to ISO a statement detailing the
            computations

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            used to determine the amount debited for Reserve Account purposes
            for the subject month, and stating the then current balance of the
            Reserve Account.

            (iii) ISO hereby grants to Global and member bank a security
            interest in the Reserve Account and in all of its rights, title and
            interest in the Compensation amounts due to ISO and hereby
            authorizes Global to deduct from the Reserve Account and the
            Compensation any amounts due to Global or the member bank from ISO
            hereunder. ISO will not grant to any third party a security interest
            in the Reserve Account or in its rights, title and interest in the
            Compensation, nor will it pledge, assign, or permit any lien to
            attach to the Reserve Account or to its rights, title and interest
            in the Compensation. ISO agrees to execute any documents and to take
            any other actions as requested by Global to perfect the security
            interests granted herein. Global shall refund to ISO any Reserve
            Account balance which exists on the date which is one hundred and
            eighty (180) days after the effective date of the termination of
            this Agreement.

      4.    Personal Guaranty. In addition to the foregoing, a principal of ISO
            or other third party-acceptable to Global shall execute the personal
            guaranty attached hereto as Appendix C thereby guaranty the
            performance of the ISO hereunder.

      5.    Merchant Enrollment and Accounting Data. Global will provide
            Merchant accounting services through a vendor of its choice. Global
            will designate an account representative to ISO to assist them with
            questions, account changes, deletions, etc. ISO shall be responsible
            to enter the Merchant data into and to maintain such data in the
            master file. ISO shall be responsible for and shall indemnify Global
            with regard to any liability arising from ISO's failure to properly
            maintain the Merchant data in the master file. If ISO requests
            additional reports, microfiche, or customized requirements, Global
            shall use reasonable efforts to accommodate such requests upon
            mutually agreeable pricing.

      6.    Customer Service. ISO will provide POS terminal deployment and
            support. ISO will provide other primary Merchant customer services,
            including services related to Merchant deposit inquiries and
            Merchant disputes. Global will provide services related to
            chargebacks and retrievals as set forth in Section 3 above.
            Financial adjustments must be provided to Global for posting to
            Merchant accounts. Any notifications regarding processing terms,
            pricing, or issues provided to the Merchants by ISO applicable to
            services provided by Global or contemplated hereunder must be
            reviewed and approved by Global in advance of distribution of such
            notifications.

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C.    MERCHANT RETENTION

      ISO agrees not to directly, knowingly, or actively solicit any merchant
      business currently processing or utilizing Global's services; provided,
      however, that the foregoing restriction shall not apply in the event ISO
      discovers for the first time that Global is processing for a merchant
      during the course of ISO's actual and inadvertent solicitation. The
      individuals signing this Agreement at the end do so bind themselves as ISO
      and personally to the provisions of this Section C.

D.    COMPENSATION

      Global agrees to pay or cause its successors or assigns to pay ISO as full
      consideration and compensation for all of ISO's duties and obligations
      hereunder, the fees set forth in Appendix A, payable on the 15th day of
      the month following the month during which they are earned (the
      "Compensation"). Global shall have the right to change any fees or charges
      on Appendix A upon sixty (60) days written notice to ISO unless such
      changes are the result of pass-throughs in which event Global shall
      provide ISO with sixty (60) days written notice or such lesser notice as
      reasonably practicable under the circumstances. Notwithstanding the
      foregoing, in the event that any increase in the fees and charges on
      Appendix A (excluding increases for pass-throughs) exceeds five (5%)
      percent of the then current fees and charges, ISO may terminate this
      Agreement upon sixty (60) days written notice to Global, unless Global
      agrees to reduce the increase so that it is equal to or less than the five
      (5%) percent measure. In any event, ISO shall have the right to direct
      Global to pass through to the Merchants such increase so that the
      Compensation paid to ISO shall be equal to that received prior to the
      change. This Section shall survive termination of this Agreement for as
      long as Global or its successors and assigns continually processes for
      such Merchant and ISO continues to comply with Sections B, C, E, F, G, H,
      and I of this Agreement.

      ISO agrees to pay to Global all card association and network organization
      registration, association, and other fees incurred as a result of this
      Agreement or the processing contemplated hereunder.

E.    PRICING

      ISO shall provide to Global, concurrently with the execution hereof, a
      full and complete schedule of all fees and charges, including equipment
      sales or lease charges, assessed or charged by ISO to any merchant who
      makes application for a merchant agreement with Global. ISO agrees not to
      alter, change or amend any fee or charge reflected on this ISO schedule on
      file with Global without notifying Global and further agrees that no
      charges shall be made or

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      assessed against any merchant applicant in excess of the charges reflected
      on the ISO schedule.

F.    MERCHANT AGREEMENTS

      1.    Merchant Notification. ISO must provide Global with copies of
            notifications affecting processing, pricing and issues thirty (30)
            days prior to receipt of such notification by Merchants if such
            notification relates to services provided by Global or its
            affiliates hereunder.

      2.    Right To Terminate Merchant Agreements. Global shall have the right,
            in its sole discretion, to terminate, suspend or otherwise close any
            Merchant. Global will use its best judgment to determine the method
            used to close a Merchant, with the understanding by both parties
            that continuing to process for an account (while suspending payment)
            may occasionally be more prudent than immediate termination of
            services. Global agrees to notify ISO of such terminations,
            suspensions or closures within five (5) business days of the end of
            the month during which these events occur.

      3.    Other products and services. Except as otherwise set forth in
            Section C hereunder or otherwise under this Agreement, Global
            recognizes ISO's rights to solicit and service other products and
            services to Merchants, including, but not limited to, equipment
            leasing services.

      4.    Assignment of Merchant Agreements. Notwithstanding the solicitation
            restrictions set forth in Section C above, subject to Global's
            rights under Section 0.2 below, and assuming ISO's full compliance
            with all of the terms of this Agreement, at any time during the term
            of this Agreement, ISO may instruct Global upon written notice, and
            Global hereby agrees, to assign all of its rights and obligations in
            all or an identified segment of the Merchant Agreements to another
            transaction processor designated by ISO, and will coordinate with
            the member bank for the purpose of requesting its assignment of its
            rights and obligations under the subject Merchant Agreements to
            another member bank designated by ISO, conditioned upon the
            execution of novation(s) by all interested parties to effect a full
            and final release of Global and the member bank from each assigned
            Merchant Agreement, such novation(s) and release(s) to become
            effective on the effective date of the assignments, and subject to
            any other requirements of the member bank. In the event of an
            assignment of the Merchant Agreements as set forth above during the
            initial term of the Agreement, ISO shall pay to Global a fee (the
            "Exit Fee") equal to the product of (a) Global's average monthly
            revenue received hereunder (such monthly average not to be less than
            eighty (80%) percent of the highest monthly revenue received during
            the twelve (12)

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            month period, or such lesser number of months that the Agreement has
            been in effect, immediately preceding the date of the written notice
            described above) and (b) fifteen (15), which product shall equal the
            Exit Fee, which Exit Fee shall be payable to Global by ISO prior to
            its assignment of its rights and obligations under the Merchant
            Agreements. Any and all reasonable costs of Global and the member
            bank associated with the assignment of the Merchant Agreements shall
            be paid by ISO and/or reimbursed to Global and the member bank by
            ISO within thirty (30) days of the date of Global's invoice for
            reimbursement of such costs.

G.    CONFIDENTIALITY

      The parties agree that the terms of this Agreement, as well as all
      information of a business nature relating to the business operations of
      the parties and customer information, which are disclosed in connection
      with this agreement are confidential. The parties shall not, without the
      express prior written consent of the other party, use (except as
      contemplated by this Agreement) disclose or permit access to any such
      confidential information during the term of this Agreement or for a period
      of two (2) years thereafter. Each party agrees to cause its employees and
      agents to take such action as shall be reasonably necessary to preserve
      and protect the confidentiality of such information.

      The obligations imposed upon either party herein shall not apply to
      information:

      1.    which becomes available to the public through no wrongful act of the
            receiving party; or

      2.    which may be published prior to the date hereof, of

      3.    which is already in the possession of the receiving party and not
            subject to an existing agreement of confidence between the parties;
            or

      4.    which is received from a third party without restriction and without
            breach of this Agreement or any other agreement of confidence; or

      5.    which is independently developed by the receiving party (without use
            of information provided hereunder); or

      6.    which is disclosed pursuant to a requirement or request of a
            government agency or a court of competent jurisdiction.

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H.    AUDIT AND EXCHANGE OF INFORMATION

      Upon seven days notice, ISO agrees to furnish Global such financial
      statements and information concerning ISO, its principals, partners,
      proprietors, or its affiliates as Global may from time to time reasonably
      request. Global, or its duly authorized representatives, shall have the
      right to review the books, records, and operations of ISO upon request
      during normal business hours. ISO and each of the parties whose signatures
      appear below authorizes Global to order a consumer credit report or any
      other background report of ISO, such individuals, or any officer,
      shareholder, managing agent, principal, partner, proprietor, or affiliate
      of ISO. Subsequent reports may be ordered in connection with updating,
      renewing, or continuing this Agreement. Upon the written request of any
      individual who is the subject of a consumer credit report, Global will
      provide the name and address of the consumer credit reporting agency
      furnishing such report.

I.    NAME AND TRADEMARKS

      ISO acknowledges the proprietary interest of Global Payments Inc. in and
      to all trademarks, logos and trade names and any goodwill attaching
      thereto. ISO further agrees not to use the name, logo, or marks of Global
      Payments Inc., Global Payments Direct, Inc., Global Direct, Global,
      National Data Payment Systems, Inc., NDPS, CNET Card Acceptance Services,
      CNET, National Data Corporation, NDC, Pulse, CASH STATION, American
      Express, HONOR, YANKEE 24, NYCE, MAC, MOST, STAR/EXPLORE, Interlink,
      Maestro, Diners Club, Discover, or JCB except as approved by Global and
      acknowledges no rights in these names, logos and marks by virtue of this
      use. Nothing herein shall affect any rights ISO may have with respect to
      any such trademarks, logos, and tradenames under any other agreement.

      The use of the name, logo, or marks of National Data Payment Systems, Inc.
      or Global Payments Direct, Inc. may be utilized only when expressly agreed
      to in writing by Global and only under the specifics stated in the written
      agreement. Global must approve any reproduction of its name, logo, or
      marks in writing.

J.    TERM AND TERMINATION

      This Agreement shall have an initial term of three (3) years from the date
      both parties execute this Agreement and shall thereafter automatically
      renew for successive twelve (12) month periods. Either party may terminate
      this Agreement by notifying the other party in writing at least sixty (60)
      days prior to the expiration of the initial or any renewal term.

      If either party defaults in the performance of any obligation under this
      Agreement (which shall not include a breach of the performance standards)

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      and fails to remedy such default within thirty (30) calendar days after
      receipt of written notice of the default, the other party may terminate
      this Agreement upon written notice.

K.    NOTICES

      Any notices permitted or required hereunder shall be deemed given when
      deposited in the United States mail with postage prepaid and addressed as
      follows:

            If to Global:       Global Payments Direct, Inc.
                                Four Corporate Square
                                Atlanta, GA 30329-2009
                                Attention: Corporate Secretary

            If to ISO:          Online Data Corp.
                                2 Westbrook Corporate Center, Suite 200
                                Westchester, Illinois 60154
                                Attention: John Rante

L.    INDEMNITY AND LIMITATION OF LIABILITY

      ISO agrees to defend, indemnify and hold Global, its parent, affiliates,
      employees, officers and directors harmless from any claims, actions,
      threatened actions, or legal proceeding arising from ISO's negligence or
      breach of any obligation under this Agreement, and against any and all
      expenses including judgments, fines, amounts paid in settlement, and any
      losses or damages resulting therefrom. This indemnification includes
      attorneys' fees and expenses and shall survive termination of this
      Agreement.

      Global agrees to defend, indemnify and hold ISO harmless from any claims,
      actions, threatened actions, or legal proceeding arising from Global's
      negligence or breach of any obligation under this Agreement, and against
      any and all expenses including judgments, fines, amounts paid in
      settlement, and any losses or damages resulting therefrom. This
      indemnification includes attorneys' fees and expenses and shall survive
      termination of this Agreement.

      Except for a breach of Section C, G or 1, in no event shall either party
      be liable to the other party for any special, consequential, or indirect
      damages in connection with this Agreement.

M.    FORCE MAJEURE

      Neither party shall be liable for failure to fulfill its obligations under
      this Agreement if such failure is due to any cause or condition beyond
      such party's reasonable control, such as: natural disaster, acts of God,
      strikes, fire, floods,

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      war, riot, electrical power failure, decrees of government bodies or
      communications failure.

N.    GOVERNING LAW

      This Agreement shall be governed by and shall be construed in accordance
      with the laws of the State of Georgia, without regard to its conflicts of
      law provisions. If any provisions of this Agreement shall be held to be
      invalid, illegal, or unenforceable, the validity, legality and
      enforceability of the remaining provisions shall not in any way be
      affected or impaired thereby.

O.    GENERAL PROVISIONS

      (1)   This Agreement contains the full understanding of the parties with
            respect to the subject matter hereof, and no waiver, alteration or
            modification of any of the provisions hereof shall be binding unless
            in writing and signed by both parties. Failure to enforce any
            provision of this Agreement shall not constitute a waiver of
            provision by the party failing to enforce.

      (2)   Neither party to this Agreement may assign its rights or obligations
            under this Agreement without the express prior written consent of
            the other party, such consent not be unreasonably withheld or
            delayed, except that the obligations of either party under this
            Agreement may be provided or fulfilled by any parent, subsidiary,
            affiliate, successor corporation or subcontractor of such party so
            long as such party assumes full responsibility for such obligations.

            In the event ISO decides to assign any rights it may have hereunder
            in connection with the Merchant Agreements or to exercise its rights
            under Section F.4, Global shall have a right of first refusal and an
            opportunity to match any offer in connection therewith.

      (3)   Each party represents that the individual executing this Agreement
            on its behalf has the requisite power and authority to do so and
            that this Agreement constitutes a valid and binding obligation.

      (4)   Each party agrees to comply with all applicable federal, state, and
            local laws, regulations, ordinances and codes, including those
            related to payment of income and Social Security taxes, and those
            relating to equal opportunity and nondiscrimination in employment.

      (5)   If any part of this Agreement is held invalid, such invalidity shall
            not affect the remainder of the Agreement which shall be interpreted
            according to its original intent.

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      (6)   Nothing herein contained shall be construed as constituting a
            partnership, joint venture, or agency between Global and ISO.
            Nothing in this Agreement shall give either ISO or Global authority,
            whether express or implied, to create any duty or obligation on
            behalf of the other. ISO has no authority to accept any business on
            behalf of Global. Business referred by ISO shall be considered an
            offer from a prospective customer, subject to Global's acceptance or
            rejection. ISO agrees not to represent itself as an affiliate, agent
            or employee of, or partner, joint venturer, co-principal or
            co-employer with Global, or any of Global's affiliates or parent
            corporation by reason of this Agreement.

      (7)   Each party agrees to become and remain at all times during the term
            hereof a registered Member Service Provider and Independent Sales
            Organization, as applicable, with Visa and MasterCard in accordance
            with, and if required by, applicable regulations as the same may be
            in effect from time to time.

      (8)   ISO agrees to immediately notify Global in writing of any change in
            the identity of its principal owners or officers.

      (9)   Each party agrees to fully comply with all existing and future rules
            and operating regulations issued by MasterCard or Visa applicable to
            merchant accounts or agreements, the use of cards or the
            transactions contemplated by this Agreement, all of which rules and
            operating regulations are expressly incorporated herein. Each party
            further agrees to fully comply with all rules and regulations of any
            other card association, network organization, or any other entity
            which governs any processing service provided to a Merchant
            hereunder, of whatever nature.

      (10)  All paragraph headings contained herein are for descriptive purposes
            only and the language of such paragraph shall control.

      (11)  The parties each agree to use commercially reasonable efforts to
            comply with the applicable performance standards set forth in
            Appendix B hereto.

Global Payments Direct, Inc.                Online Data Corp.

By:                                         By:    /s/ John Rante
   ---------------------------------               ----------------------------
Name:                                       Name:  John Rante
   ---------------------------------               ----------------------------
Title:                                      Title: President, CEO
   ---------------------------------               ----------------------------
Date:                                       Date:  4/27/02
   ---------------------------------               ----------------------------

                                       10<PAGE>
                                                                   Exhibit 10.19

                            MERCHANT BROKER AGREEMENT

         THIS MERCHANT BROKER AGREEMENT made this 20th day of April 2000,
(hereinafter "Agreement") between QUAD CITY BANCARD, INC. (hereinafter "QCBI"),
a Delaware corporation with its offices at 3551 7th Street, Suite L101, Moline,
Illinois 61265, and ONLINE DATA CORP. (hereinafter "ISO/MSP"), a Delaware
corporation, with its principal place of business at One Westbrook Corporate
Center, Westchester, Illinois 60154.

                                    RECITALS

         WHEREAS, QCBI operates a Program through which participating merchants
receive electronic credit card sales authorizations and settlements services,
and

         WHEREAS, ISO/MSP is a business which markets electronic credit card
programs to independent retail merchants on behalf of financial institutions and
which believes itself to be capable of increasing the number of merchants
participating in QCBI's Program, and

         WHEREAS, QCBI desires ISO/MSP to perform, and ISO/MSP desires to
perform, certain marketing of the Program to merchants,

         NOW, THEREFORE, in consideration of the foregoing recitals, the mutual
promises and covenants hereinafter set forth, and other consideration, the
receipt and sufficiency of which is hereby expressly acknowledged, the parties
agree as follows:

            1.    DEFINITIONS: For the purposes of this Agreement and except as
other specifically set forth herein, the following terms shall be defined as
hereinafter set forth:

            A.    ISO/MSP'S RESIDUAL INCOME: Shall mean the difference between
the Processing Buy Rate as set forth in Exhibit "A" attached hereto and QCBI's
Fees (being the total of the QCBI Merchant Fees and the Master Card/Visa
Interchange Fees & Qualification Levels set forth in Exhibits "B" and "C"
attached hereto, respectively).

            B.    QCBI'S FEES: shall mean those fees and charges established by
QCBI for Participating Merchants' access to and use of the services available
under the Program (current itemization of which fees and charges are attached as
Exhibits B and C incorporated herein by reference); and

            C.    MERCHANT PROCESSING AGREEMENT: Shall mean that agreement in
the form attached hereto as Exhibit F between QCBI and a

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Participating Merchant pursuant to which QCBI provides the Participating
Merchant electronic data capture services, including credit card sales
authorizations and settlement services, including any amendments or revisions to
that agreement which may be made by QCBI from time to time; and

            D.    MERCHANT DISCOUNT FEES: are calculated by applying the then
current Merchant Discount Rate to the Gross credit card sales transactions
presented each month by the Participating Merchant to QCBI and adding all other
fees and charges, if any, assessable to the Participating Merchant including
those which are based on the gross number of items presented by the
Participating Merchant to QCBI; and

            E.    MERCHANT DISCOUNT RATE: shall mean that percentage of a
Participating Merchant's monthly gross credit card sales that QCBI charges the
merchant for its participation in the Program; and

            F.    PARTICIPATING MERCHANT: shall mean any MERCHANT solicited by
ISO/MSP who has been accepted by QCBI to participate in the Program, has paid
any required fees and is currently participating in the Program; and

            G.    THE "PROGRAM": shall mean an arrangement whereby Participating
Merchants, using electronic data capture services provided by QCBI, obtain
credit card sales authorization, accept credit card transactions and present
such transactions electronically to QCBI for processing in accordance with the
terms of a Merchant Processing Agreement.

            2.    RESPONSIBILITIES OF ISO/MSP

            A.    ISO/MSP shall actively solicit independent merchants for
participation in the Program and shall use its best efforts throughout the term
of this Agreement to promote and maintain merchant participation in the Program,
including providing to Participating Merchants ongoing customer support, service
and response to all merchant inquiries; provided, however, that ISO/MSP shall
not solicit any merchants who have current merchant agreements signed by a QCBI
sales representative. Further, ISO/MSP shall not solicit merchants of the types
described on Exhibit G (Restricted Merchant List) of this Agreement without
prior approval by QCBI. Further, as requested by Visa and MasterCard
Regulations, all merchants solicited, including the types described on Exhibit H
(Qualified Merchant List), will be reviewed by QCBI on an individual basis and
may be approved or declined by QCBI.

            B.    ISO/MSP shall, during the term of the Agreement, comply in all
respects with all laws, rules, regulations and other requirements applicable to:
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            (i)   MasterCard Member Service Providers, including without
      limitation all requirements under the rules and regulations promulgated
      from time to time by MasterCard International Incorporated ("MasterCard
      International Rules"); and

            (ii)  Independent Sales Organizations/Nonmember Agent providing
      services to Visa members, including without limitation all obligations
      under the Visa U.S.A., Inc. Bylaws/Operating Regulations.

            ISO/MSP acknowledges that it has read and is aware of all the terms
      of the MasterCard/Visa Merchant Rules & Regulations, copies of which are
      attached hereto as Exhibit J. QCBI agrees to promptly provide ISO/MSP with
      copies of any revisions to the MasterCard/Visa Merchant Rules &
      Regulations from time to time.

            C.    ISO/MSP shall for each merchant solicited for the program
provide QCBI with a completed Merchant Processing Agreement (Exhibit F, with
such revisions thereto as QCBI may require from time to time). The Merchant
Processing Agreement must be signed by the owner or an authorized officer of the
business. In addition, the Guaranty section of the Merchant Processing Agreement
must be signed individually, and not on the behalf as a representative of the
Merchant, by the person who is accepting liability for all debt owed to QCBI.
Further, ISO/MSP shall conduct a pre-application investigation, including
physical inspection of the Merchant's premises and shall have verified through
such investigation that the Merchant conducts a legal bona fide business
operation and has the proper facilities, equipment, and inventory, and where
necessary, a license or permit to do business. Along with the completed Merchant
Processing Agreement, ISO/MSP will provide photographs (unless waived in writing
by QCBI on a case-by-case basis as to specific merchants) taken of the
Merchant's premises, inventory or product, a Credit Bureau Report on owners,
partners, officers or principals of the business, Personal Financial Statements
of the owners or officer of the business, three most recent monthly statements
from any previous and/or present credit card processor including the name(s) of
the financial institution(s) with which the merchant has or had the agreement(s)
and the reason for terminating the agreement(s), if applicable. Business
financial statements may be required at QCBI's discretion.

            D.    ISO/MSP shall disclose to each merchant solicited hereunder
that it solicits the merchant's application for participation in the Program
pursuant to a Merchant Processing Agreement to be made by and between Quad City
Bank & Trust Company ("QCBT"), presently located in Moline, Illinois, 61265, and
such merchant, and that QCBI, not ISO/MSP, will determine acceptance of the
merchant for participation in the Program. ISO/MSP shall not represent that it
has the power or authority to bind QCBI or QCBT; nor shall ISO/MSP act in any
way that would give the impression it has the power or authority to bind QCBI or
QCBT in any
<PAGE>
respect whatsoever. In soliciting merchants hereunder, ISO/MSP shall refrain
from making any oral or written representations that vary from specifications,
operating instructions or representations respecting the Program that have been
specifically authorized and/or provided by QCBI. For each merchant that ISO/MSP
proposes for acceptance into the Program, ISO/MSP shall submit to QCBI all
applicable forms, fully completed and executed as appropriate, and such accurate
and complete information regarding the merchant fees and information as may be
required from time to time by QCBI for consideration of merchant participation
in the Program, including but not limited to the Merchant Processing Agreement
(Exhibit F, with such revisions thereto as QCBI or QCBT may require from time to
time).

            E.    ISO/MSP shall be responsible for providing and installing all
electronic terminal hardware and software at a Participating Merchant's
location(s), which is necessary to transmit sales authorizations and transaction
data in accordance with QCBI criteria. Further, ISO/MSP shall be responsible for
providing Participating Merchants with proper instructions on all aspects of the
operation of the Program and the operation and care of all electronic terminal
hardware and software supplied in connection with the Program. ISO/MSP
understands and agrees that for each model of electronic terminal hardware and
software installed by ISO/MSP at a Participating Merchant locations(s), QCBI
must approve all programming and the telecommunication network to be used in
connection therewith prior to their use by the Participating Merchant so as to
assure its compatibility with QCBI's process.

            F.    ISO/MSP shall be responsible for verifying the proper
authorization and execution of all Merchant Processing Agreements produced and
submitted to QCBI hereunder. All Merchant Processing Agreements shall be
executed by authorized signatories who are officers, general partners,
principals, proprietors or owners, as appropriate, of their respective forms of
business organization.

            G.    ISO/MSP shall establish a settlement account ("settlement
account") at a financial institution through which QCBI may automatically credit
any compensation due (or payable) under the terms of this agreement. ISO/MSP
agrees to sign such additional documents or authorizations, including any
automated clearing house ACH authorization, as are necessary to permit QCBI to
make such automatic credits to settlement account.

            H.    ISO/MSP shall be liable to QCBI for one hundred percent (100%)
of any and all losses, liabilities, damages, costs, fines or expenses, including
reasonable attorney's fees, incurred by QCBI as a result of activities of
Participating Merchants in the Program. Also, ISO/MSP shall be liable to QCBI
for one hundred percent (100%) of any losses, liabilities, damages, costs or
expenses, including reasonable attorney's fees, as well as one hundred percent
(100%) of any fines assessed by American Express, incurred by QCBI related to
ISO/MSP's merchants
<PAGE>
participating in the American Express program. (Note: QCBI shall passthrough to
ISO/MSP all income paid to QCBI by American Express for ISO/MSP's merchants
participating in the program.

            The liability of ISO/MSP hereunder shall be secured by a irrevocable
bank letter of credit, drawn on a commercial bank acceptable to QCBI and
containing such terms and conditions as may be acceptable to QCBI, all in the
sole discretion of QCBI, which letter of credit shall be in the amount of One
Million Dollars ($1,000,000.00). Such letter of credit shall exist for a two (2)
years term commencing with the date of execution of this Agreement, and shall
provide for subsequent automatic renewals for additional twelve (12) month terms
as this Agreement automatically renews for subsequent twelve (12) month terms as
provided in Section 10(A) hereof. It is the intention of the parties that such
letter of credit always be in place for the term of their Agreement as it maybe
extended from time to time, plus twelve (12) months. QCBI shall have the right
to draw on such letter of credit from time to time as necessary to reimburse
QCBI for any losses, liabilities, damages, costs or expenses, including
reasonable attorney's fees, which are the obligation of ISO/MSP pursuant to the
terms of the preceding paragraph or paragraph 6 of this. Agreement. In the event
of any draws on such letter of credit, ISO/MSP shall have the obligation to
secure and provide to QCBI within thirty (30) days after such draws supplemental
letters of credit, in form and substance acceptability to QCBI, so as to
replenish the letters of credit available to QCBI hereunder to a level of One
Million Dollars ($1,000,000). In addition to such letter of credit, the
obligations of ISO/MSP pursuant to the terms of the preceding paragraph and
paragraph 6 of this Agreement shall be secured by the, pledge of ISO/MSP
Residual Income provided in this Agreement.

            All of ISO/MSP's Residual Income shall be subject to setoff from
time to time in the discretion of QCBI for liabilities owing to QCBI from
ISO/MSP. If ISO/MSP's monthly compensation is not sufficient to cover losses,
ISO/MSP agrees to pay to QCBI such liability share of the losses monthly as they
occur. QCBI may draw on ISO/MSP's letter of credit from time to time to satisfy
ISO/MSP's obligations to QCBI hereunder. QCBI shall have, and ISO/MSP hereby
grants to QCBI, a security interest in ISO/MSP's Residual Income, which security
interest shall be a first and prior security interest superior to the rights,
liens or interests of ISO/MSP or any of its creditors. ISO/MSP shall deliver to
QCBI such UCC Financing Statements as QCBI shall from time to time request to
evidence and perfect QCBI's security interest in such ISO/MSP Residual Income.

            In the event of ISO/MSP sustaining losses that have not been
reimbursed to QCBI, either by a draw on ISO/MSP's letter of credit or an offset
of monthly residual income, ISO/MSP and its affiliates, stockholders, officers,
directors, agents and successors agree that they will not in any manner,
directly or indirectly, solicit or contract with such current merchants or new
merchants for
<PAGE>
purposes of providing any merchant credit card services to such merchants except
through QCBI under this Merchant Broker Agreement until such time as QCBI has
been fully reimbursed. Further, in such event, then notwithstanding any contrary
provision hereof regarding the term of this Agreement, this Agreement, unless
sooner terminated by QCBI at its option, shall remain in full force and effect
until QCBI has been fully reimbursed. The parties agree that QCBI has no
adequate remedy at all for the enforcement of this non-solicitation covenant and
may enforce the same by injunction proceedings in the. event of breach thereof
by ISO/MSP or its affiliates, stockholders, officers, directors, agents or
successors.

            I.    ISO/MSP shall upon request submit to financial and procedural
audits and/or reviews by Visa, U.S.A., Inc., MasterCard International, QCBI,
and/or their designees, and in this regard, shall make its premises, books and
records available at reasonable times for such purposes. In addition, upon
request by QCBI, Visa U.S.A., Inc., MasterCard International, or their designees
for records, documents and/or other materials containing merchant records and/or
data, ISO/MSP shall make the requested documents, records and/or materials
available promptly but in no event later than seven (7) business days after
receipt of the request.

            J.    ISO/MSP shall during the term of this Agreement have the
continuing obligation to disclose to QCBI the identity and location of all of
its sales locations and the identity and location of any other Member Service
Provider, Independent Sales Organizations/Nonmember Agent or independent party
performing part or all of the services to be provided by ISO/MSP hereunder.
Attached to this Agreement as Exhibits K and L, respectively, are the identities
and locations of

            (i)   ISO/MSP's existing sales locations (Exhibit K); and

            (ii)  Member Service Providers, Independent Sales Organizations and
      independent parties performing part of the services provided by ISO/MSP
      hereunder (Exhibit L).

            ISO/MSP shall make additions or deletions, as appropriate, to
Exhibits K and L as and when the information contained therein becomes
inaccurate or incomplete; provided, however, that ISO/MSP shall not without
QCBI's prior consent employ any Member Service Providers, Independent Sales
Organizations and/or independent parties to perform any part of the services to
be provided hereunder or change or enlarge the area within which it solicits
merchants for participation in the Program.

            K.    ISO/MSP shall pay to QCBI fifty percent (50%) of the initial
ISO/MSP registration fees related to ISO/MSP required by both Visa U.S.A., Inc.
<PAGE>
and MasterCard International, Inc. Subsequent year's annual renewal fees will be
paid fifty percent (50%) by ISO/MSP throughout the term of this Agreement.

            L.    ISO/MSP shall not combine services it is authorized to provide
on behalf of QCBI with other services unrelated to the services offered by QCBI
without the express written consent of QCBI.

            M.    ISO/MSP shall obtain written approval from QCBI for use of all
marketing materials for the Program, prior to the use of any such material.

            3.    RESPONSIBILITIES OF QCBI

            A.    ISO/MSP shall provide the forms required for arranging
merchants' participation in the Program, which forms shall be subject to
approval by QCBI. The Merchant Processing Agreement (Exhibit F, with such
revisions thereto as QCBI or QCBT may require from time to time) shall be
composed in such a manner as to include the merchant application information
required by QCBI to underwrite the account. Such information shall include,
Activity Summary, Merchant Information, Principal(s), Trade References, Merchant
Site Survey Report, Terminal Information, Discount Rates and Fees, Electronic
Debit/Credit Authorization, Individual Guaranty and Merchant Acceptance
Signature(s). QCBI reserves the right to supplement or amend information
requirements.

            B.    QCBI will pay to ISO/MSP the estimated amount of ISO/MSP's
Residual Income for the previous calendar month's activity, less the estimated
amount of ISO/MSP obligations under Section 2(H) hereof, ISO/MSP losses under
Section 6 hereof, and ACH rejects, by the fifth (5th) regular business day of
the next calendar month. Final pay outs and adjustments of the previous calendar
month's income shall occur within five (5) business days following receipt of
billings applicable to such previous calendar month from the QCBI vendors listed
on Exhibit I, which list may be amended from time to time, but in any event
within thirty (30) days following the last day of such previous calendar month.

            C.    QCBI shall provide the following information to ISO/MSP for
each month, by the 25th day of the following month:

            1.    The total number of Participating Merchants; and

            2.    The gross and net dollar amount of credit card sales
      transactions processed by each Participating Merchant and the gross and
      net dollar amount of credit card sales transactions processed by all
      Participating Merchants; and

            3.    The total Merchant Discount Fees collected from each
      Participating Merchant and the Merchant Discount Fees collected from all
      Participating Merchants.
<PAGE>
QCBI agrees to provide to ISO/MSP merchant level detail reporting by interchange
category at such time as such reporting detail is available from QCBI's regular
vendor.

            D.    QCBI shall provide clearing and settlement of participating
merchant deposit services with respect to processing credit card sale
transactions, interchange and authorizations in accordance with the terms of the
Merchant Agreement and the operating regulations of VISA, MasterCard, QCBI
and/or such other proprietary card used by QCBI, as applicable. QCBI will
transmit to the Chicago Federal Reserve an automated clearing house demand
deposit transaction, for each merchant, for the net of all electronic
transactions received one business day previously for such merchant and any
adjustments made by QCBI for balancing, chargebacks, discount fees, membership
fees, monthly fees or suspicious merchant activity.

            E.    Within two (2) business days of QCBI's receipt of a proposed
merchant membership application submitted with all documentation and information
required under Section 2.D. and properly executed as required by Section 2.F.
hereof, QCBI shall approve or deny the proposed merchant membership application,
and if approved provide to ISO/MSP a merchant identification number (MID), or
notify ISO/MSP that the proposed merchant membership application has been
rejected or is pending while waiting for additional information. QCBI, in its
discretion may provide ISO/MSP with an inventory of MID's which ISO/MSP may
assign to new merchants; provided however, that ISO/MSP shall submit the
merchant's application and all related required materials to QCBI by three (3)
business days following ISO/MSP's assignment of the MID to such merchant so that
QCBI can timely make a credit decision before allowing charges on such assigned
MID. Notwithstanding assignment of a MID to a new merchant, no funds will be
released to such merchant by QCBI until QCBI has received and approved the
merchant's application.

            F.    QCBI will provide merchant processing as itemized and priced
per Exhibits A through F to this Agreement. QCBI reserves the right to change or
amend Exhibits A, B and F should there be a change in QCBI's costs from Visa,
MasterCard International or QCBPs vendors. QCBI shall provide a written
explanation and pertinent supporting documentation to ISO/MSP of any changes to
Exhibits A through E. Any change shall be effective upon written notice to
ISO/MSP of such change or amendment. The Exhibit(s) as revised shall be
effective upon ISO/MSP's receipt of written notice thereof. Nothing contained in
this Section 3.F. shall limit ISO/MSP's right to impose on Participating
Merchant such reasonable charges as it may establish for supplying Participating
Merchants with electronic hardware and associated items used by Participating
Merchants in connection with the Program.
<PAGE>
            G.    QCBI reserves the right with the prior written consent of
ISO/MSP from time to time to make such extraordinary assessments and/or service
charges to the Participating Merchants as QCBI determines necessary or
appropriate and as otherwise permitted by the Merchant Processing Agreement. In
the event that such extraordinary and/or assessments are levied, such charges
shall be split equally between QCBI and ISO/MSP, unless otherwise agreed in
writing by ISO/MSP and QCBI.

            H.    If approved by Visa and by MasterCard International, QCBI
shall segregate ISO/MSP's merchants into a BIN (i.e. 6 digit code which
identifies QCBI) and an ICA (i.e. 4 digit code which identifies QCBI's
processor) separate from those used by QCBI for merchants not covered by this
Agreement.

            I.    During the term of this Agreement and for three (3) years
following termination of this Agreement, or for as long as ISO/MSP is earning
processing residuals, QCBI shall not directly solicit the processing service of
any of ISO/MSP's merchants processed by QCBI hereunder existing at the term of
termination of this Agreement.

            J.    ISO/MSP upon termination of this Agreement and payment in full
of all stuns due QCBI shall have the right to transfer and assign all Merchant
Agreements to a subsequent acquirer. QCBI agrees to cooperate with the
assignment of the Merchant Agreements and execute all documents and perform all
acts reasonably requested by ISO/MSP or the subsequent acquirer in order to
affect said transfer and assignment of said Agreements. ISO/MSP hereby agrees to
pay any and all costs reasonably incurred by QCBI for the aforementioned
assignment.

            4.    ISO/MSP'S WARRANTIES

            A.    ISO/MSP will cooperate with QCBI to allow QCBI to submit to
Visa Risk Management and Security a fully completed and executed agent
registration and certification for ISO/MSP and to register ISO/MSP with Visa as
an Independent Sales Organization/Nonmember Agent. ISO/MSP is now, and at all
times during the terms of Agreement will be, in full compliance with all laws,
rules and regulations governing Independent Sales Organizations/Nonmember Agents
including without limitation, the Visa U.S.A., Inc., Bylaws/Operating
Regulations.

            B.    ISO/MSP will cooperate with QCBI to allow QCBI to register
ISO/MSP as a Member Service Provider with MasterCard International. ISO/MSP is
now, and at all times during the term of this Agreement will be, in fall
compliance with all of its obligations under the standard MasterCard Member
Service Provider Agreement and is now, and at all times during the term of this
Agreement will be, in full compliance with all laws, rules and regulations
governing MasterCard Member Service Providers, including, without limitation the
MasterCard International Rules.
<PAGE>
            5.    MERCHANT DISCOUNT

            A.    ISO/MSP shall propose to QCBI for each potential Participating
Merchant an initial Merchant Discount Rate by indicating the proposed initial
Merchant Discount Rate on that merchant's application and Merchant Processing
Agreement. However, QCBI shall not be bound to accept or continue any proposed
Merchant Discount Rate or fees and shall have the absolute right to reject,
terminate and/or substitute a different rate or different fees acceptable to
QCBI, acceptance of which by the merchant shall be a precondition to
participation in the Program.

            B.    Subject to Paragraph 5A., above, ISO/MSP may, in good faith,
propose to change the Merchant Discount Rate of any Participating Merchant at
any time, provided, however, that no change in any Merchant Discount Rate shall
be effective until approved by QCBI and until one (1) month following the month
in which notice of any approved change is given to such Participating Merchant.
All notices to affect Participating Merchant shall be made through QCBI. Any
costs associated with a Notice of Change in Merchant Discount Rates shall be
paid by ISO/MSP. QCBI shall have the absolute right to control the content of
any Notice to Participating Merchants.

            6.    RESPONSIBILITIES AND INDEMNIFICATION

            A.    QCBI shall have the recourse from ISO/MSP for one hundred
percent (100%) of any loss, liability, damage, cost or expense, including
reasonable attorney's fees, due directly or indirectly, whether in whole or in
part, to negligence, willful or wanton misconduct or fraudulent act of ISO/MSP,
its agents, and independent contractors. QCBI shall have the right to set off
any such loss, liability, damage, cost or expense against payments due to
ISO/MSP under this Agreement. Should such loss exceed monthly payments due,
ISO/MSP shall immediately reimburse QCBI as provided in Section 2(H) of this
Agreement.

            B.    ISO/MSP shall indemnify, defend, and hold QCBI, its employees,
officers, directors, agents, corporate parent and affiliates, MasterCard
International Incorporated, and its members, and Visa U.S.A. Inc., and its
members harmless against any and all liability, loss, damage, cost or expense,
including reasonable attorneys' fees, which any one of them may incur which
arises from and/or is directly or indirectly related or attributable to:

            (i)   Any act or omission by ISO/MSP, its agents or independent
      contractors in connection with the performance of duties and
      responsibilities undertaken pursuant to this Agreement or any other
      requirement established by QCBI in connection with the services to be
      rendered by ISO/MSP hereunder; or
<PAGE>
            (ii)  Any failure to comply with the MasterCard International Rules,
      as amended from time to time; or

            (iii) Any failure to comply with the Visa U.S.A., Inc. Bylaws/
      Operating Regulations, as amended from time to time.

QCBI shall have the right to set off any such loss, liability, damage, cost or
expense against payments due to ISO/MSP under thus Agreement. Should such loss
exceed monthly payments due, ISO/MSP shall immediately reimburse QCBI as
provided in Section 2(H) of this Agreement.

            C.    QCBI and ISO/MSP shall each timely notify the other of any
suit or threat of suit (except with respect to the threat of suit either party
might institute against the other) related in any way to this Agreement or the
failure of either party to perform in accordance with the terms and conditions
of this Agreement.

            D.    In the event of default under a Merchant Processing Agreement
by the merchant, ISO/MSP shall have the right and responsibility to enforce
through litigation or otherwise, the obligations of the Merchant pursuant to the
Merchant Processing Agreement and QCBI agrees to cooperate with ISO/MSP relative
thereto. In the event of default under a Merchant Processing Agreement by the
merchant and upon payment to QCBI by ISO/MSP of all amounts due QCBI occasioned
by such default, QCBI hereby sells, assigns and transfers all right, title and
interest in and to said Merchant Processing Agreement to ISO/MSP for all
purposes, including but not limited to enforcement of QCBI's rights under the
Merchant Processing Agreement.

            7.    APPROVAL OF MERCHANT APPLICATIONS

            A.    QCBI, in its sole discretion, shall approve or disapprove each
merchant application submitted by ISO/MSP.

            B.    QCBI may cancel or terminate any Merchant Processing Agreement
at any time and for any reason in accordance with the terms of the Merchant
Processing Agreement. QCBI shall cancel any Merchant Processing Agreement which
ISO/MSP directs QCBI in writing to cancel because of bona fide credit concerns
pertaining to such merchant specified in the written direction from ISO/MSP.

            8.    CONFIDENTIALITY

            A.    In order to implement this Agreement, QCBI and ISO/MSP may
receive and have access to certain information belonging to the other party that
the other party may designate as "Confidential Information." QCBI and ISO/MSP
agree
<PAGE>
that all such Confidential Information is and shall remain the property of the
party providing the information and the party receiving or gaining access to the
information shall use all reasonable and prudent means to safeguard such
Confidential Information, including all means required by law. Furthermore,
neither QCBI nor ISO/MSP shall copy, publish, disclose to others, or use such
"Confidential Information" for any purpose other than the fulfillment of its
obligations under this Agreement or where required by law.

            B.    QCBI and ISO/MSP understand and agree that the use or
disclosure of such Confidential Information by the other party in a manner
inconsistent with this Agreement or the failure to return such information upon
the termination of this Agreement will cause the other party irreparable damage
for which there is no adequate remedy at law and agree that the other party
shall have the right to equitable and injunctive relief to prevent any
unauthorized use or disclosure or to require return of such information.

            C.    A designation as Confidential Information shall not apply to
any information which:

            (i)   is contained in a generally available publication bearing a
      date prior to the date negotiations begin on this Agreement, or is
      otherwise generally known to the public or other than as a result of
      improper action by QCBI or ISO/MSP, or their independent contractors; or

            (ii)  is known to QCBI or ISO/MSP from a source independent of any
      gained as a result of this Agreement; or

            (iii) is required to be furnished to QCBI's or ISO/MSP's independent
      accounting firm for audit purposes; or

            (iv)  is required to be furnished to Visa/MasterCard, or any
      federal, state or local governmental agency for regulatory purposes.

            9.    USE OF TRADEMARKS

            A.    ISO/MSP agrees that it shall have no right to use and shall
not use any trademark, service mark, trade name or any other proprietary
designations owned or licensed by QCBI without specific prior written consent of
QCBI. ISO/MSP shall not name QCBI in advertisements or as a reference without
the express written permission of QCBI. QCBI agrees that it shall have no right
to use and shall not use any proprietary designations of ISO/MSP without
specific prior written consent of ISO/MSP.

            B.    ISO/MSP shall not use any Visa or MasterCard trademarks,
service marks, trade names, logos or other proprietary designations ("Marks") on
any materials used by it in connection with its performance under this
Agreement,
<PAGE>
except as QCBI's Agent and as expressly authorized in writing by QCBI, and only
if QCBT is prominently identified by name and location (Bettendorf) adjacent to
the Mark(s) and the Agent is either not identified or is identified as QCBI's
Agent. ISO/MSP shall not use any Marks in a manner that suggests that ISO/MSP is
a MasterCard or Visa member. ISO/MSP shall not authorize or permit the use of
any Marks in any manner by any of its agents or any third party. All
solicitation materials used by ISO/MSP in connection with its performance
hereunder shall clearly disclose that the contemplated Merchant Agreement will
be between QCBI and the merchant receiving the solicitation materials. ISO/MSP's
use of Marks hereunder shall at all time accord and be in compliance with the
MasterCard International Rides and the Visa U.S.A. Bylaws/Operating Regulations.

            C.    Upon termination of this Agreement any and all rights of
ISO/MSP to use the Marks or trademarks, service marks, trade name or other
proprietary designations of QCBI shall terminate simultaneously.

            10.   TERMS AND TERMINATION

            A.    Except as otherwise provided herein, the term of this
Agreement shall be for a period of one (1) year commencing on the date first
above written. Thereafter, this Agreement shall automatically renew for
consecutive, additional one (1) year terms unless either party shall provide the
other party written notice of non-renewal at least ninety (90) days prior to the
commencement of any additional one (1) year term.

            B.    NOTWITHSTANDING THE FOREGOING

            (i)   Should this Agreement expire or be terminated by either party,
      it is understood that 100% of the merchants participating in the program
      belong to ISO/MSP, except as otherwise provided in Section 2(H) hereof.
      Upon termination, except as otherwise provided in this agreement, ISO/MSP
      is free to move the merchants to another processor. However, upon
      termination of this agreement and movement of the merchants to another
      processor, all reasonable and necessary costs associated with the move
      must be paid to QCBI by ISO/MSP in advance; or

            (ii)  Either party, if in substantial compliance with its
      obligations under this Agreement, may immediately terminate this
      Agreement, if the other party defaults by failing to comply with any
      material term or condition of this Agreement, upon thirty (30) days prior
      written notice of default, and failure of the defaulting party to cure the
      default within said thirty (30) day period; provided there shall be no
      right to cure a failure by ISO/MSP to timely pay all stuns owing under
      this Agreement to QCBI; or
<PAGE>
            (iii) this Agreement shall terminate at such time as all Merchant
      Processing Agreements have expired or been canceled or terminated; or

            (iv)  this is an Agreement for certain unique services. This
      agreement shall terminate automatically

                  a.    in the event of either party's insolvency; or

                  b.    in the event proceedings for receivership, voluntary or
            involuntary bankruptcy are commenced against either party; or

                  c.    in the event of an assignment for the benefit of either
            party's creditors, or

                  d.    in the event a substantial part of either party's
            property is or becomes subject to any levy, seizure, assignment, or
            sale for or by any creditor or governmental agency without being
            released or satisfied within thirty (30) days thereafter.

            (v)   This agreement terminates automatically if QCBI's MasterCard
      membership or license is terminated; if QCBI's Visa membership or license
      is terminated; if Visa U.S.A., Inc. or MasterCard International
      Incorporated prohibits ISO/MSP from providing services related to Visa or
      MasterCard products. In the event that Visa U.S.A., Inc. or MasterCard
      International Incorporated prohibits any of ISO/MSP's employees, agents or
      independent contractors from providing services to Visa or MasterCard
      products, then QCBI shall have no continuing obligation to provide
      services hereunder to any such employees, agents or independent
      contractors

            (vi)  This Agreement may be terminated upon twenty-four (24) hours
      prior notice by QCBI if ISO/MSP or any Member Service Provider,
      Independent Sales Organization/Nonmember Agent or independent party
      providing the services required hereunder breaches any MasterCard
      International Rule or any provision of Visa U.S.A., Inc. Bylaws/Operating
      Regulations that is applicable to the services provided hereunder.

            (vii) The obligations of ISO/MSP to QCBI in Section 2(H) and Section
      6 hereof shall be continuing, notwithstanding termination of this
      Agreement.

            C.    Except as prohibited by Visa or MasterCard International, QCBI
agrees to continue to compensate ISO/MSP for all amounts due ISO/MSP under the
terms of this Agreement for as long as a Participating Merchant continues to
process through QCBI and as long as ISO/MSP continues to provide customer
support, service and response to inquiries. This provision shall survive
termination of this Agreement.
<PAGE>
            D. In the event that the performance by either party pursuant to
this Agreement is determined to be illegal or in violation of any federal, state
or local law, ordinance, or regulation, said party shall use its best efforts to
cure the illegality or violation, by operation of Section 17, below, or
otherwise, as soon as possible, but not later than thirty (30) days from such
notification of illegality or violation. If such cure, is not effected or if
cure is impossible, the other party may terminate this Agreement immediately
upon written notice.

            11.   RELATIONSHIP OF THE PARTIES

            In performing their responsibilities pursuant to this Agreement, the
parties are in the position of independent contractors. ISO/MSP shall have no
authority to and shall not incur obligations of any kind in the name of or for
the account of QCBI. Nothing in this Agreement is intended to create, nor shall
anything herein be construed as creating a partnership or an employment
relationship between QCBI and ISO/MSP.

            12.   ASSIGNMENT

            ISO/MSP shall not assign or sell, either expressly or by operation
of law, or delegate any of its rights or obligations under this Agreement
without QCBI's prior written consent, which consent shall not be unreasonably
withheld. Any such assignment or delegation without consent shall be void and no
assignment, sale or delegation, whether with or without QCBI's consent shall
excuse ISO/MSP from continuing liability under this Agreement. QCBI shall not
assign or sell or delegate any of its rights or obligations under this Agreement
without ISO/MSP's prior written consent, which consent shall not be unreasonably
withheld. Provided, however, that either party may make such an assignment or
sale or delegation to its parent organization, to any subsidiary or affiliate,
or to any entity which acquires substantially all of the stock or assets of such
party without consent, so long as the successor entity assumes in writing the
obligations hereunder, has the same or better credit strength as the party, and
such assignment shall not excuse the party from continuing liability under this
Agreement. ISO/MSP shall have no right to sub-contract, sub-lease, license,
franchise, or in any other manner attempt to extend to any third party any right
or obligation of ISO/MSP in connection with the Program, without QCBI's prior
written consent, which consent shall not be unreasonably withheld.

            13.   SUCCESSORS AND ASSIGNS

            This Agreement shall be binding upon and inure to the benefit of the
respective successors and permitted assigns of ISO/MSP and QCBI subject the
terms of Section 12 above.

            14.   SURVIVAL OR OBLIGATIONS AND REMEDIES
<PAGE>
            The rights, obligations, remedies, and stipulations set forth in
Sections 2.G, 2.H, 2.I, 3.B, 3.C, 3.D, 6, 7.B, 8, 10.B, 10.C, 12, 14, 15, 16,17
and 18 of this Agreement shall survive termination of this Agreement.

            15.   CONFLICTING PROVISIONS

            In the event of any inconsistency between any provision of this
Agreement and the MasterCard International Rules or the Visa U.S.A., Inc.
Bylaws/Operating Regulations, the provisions contained in the MasterCard
International Rules or Visa U.S.A., Inc. Bylaws/ Operating Regulations, as
appropriate, shall control.

            16.   GOVERNING LAW

            This Agreement shall be governed and construed in accordance with
the laws of the State of Illinois.

            17.   JURISDICTIONS AND VENUE

            The exclusive venue for any legal proceedings commenced with respect
to any issue arising out of or relating to this Agreement, including without
limitation the breach thereof, shall be the Circuit Court for Rock Island
County, Illinois. The parties hereto specifically consent and agree to venue and
jurisdiction in the Circuit Court for Rock Island County, Illinois.

            18.   NOTICES.

            Any notice required or permitted by this Agreement to be given to
either party by the other, shall be given by personal delivery to such party, or
by United States registered or certified mail, postage prepaid, return receipt
requested and addressed to:

            IF TO ISO/MSP:

            Online Data Corp.
            Suite 640
            One Westbrook Corporate Center
            Westchester, IL 60154
            Attention: President

            WITH A COPY TO:

            James Karras
            Kelly & Karras, Ltd.
            Terrace Oaks, Suite 330
            South 660 Midwest Road
<PAGE>
            Oakbrook Terrace, IL 60181

            IF TO QCBI:

            Quad City Bancard, Inc.
            3551 - 7th Street, Suite L101
            Moline, Illinois 61265
            Attention: President

            WITH A COPY TO:

            Terry M. Giebelstein
            LANE & WATERMAN
            220 N. Main Street, Suite 600
            Davenport, IA 52801

Any such mailed notice shall be deemed given two (2) regular business days
(excluding Saturdays, Sundays and Holidays) after deposit in the mail.

            19.   NO IMPLIED WAIVER

            No failure by QCBI 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 term, obligation,
right or remedy, or a waiver of any such default by QCBI.

            20.   SEVERABILITY

            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.

            21.   INCORPORATION BY REFERENCE

            Each Exhibit referred to herein and attached here to is hereby
expressly incorporated herein in its entirety and made a party of this
Agreement.

            22.   CONSTRUCTION

            Captions contained in this Agreement are for convenience only and do
not constitute a limitation of the terms hereof. Each party has had a full
<PAGE>
opportunity to review this Agreement with counsel; accordingly, the parties
agree that any rule of construction that an agreement shall be construed against
the drawer of such agreement shall be waived and shall have no application in
the interpretation or construction of this Agreement.

            23.   FORCE MAJEURE

            Any delay in the performance of either party hereto of its
obligations hereunder, except however, ISO/MSP's performance of its financial
obligations to QCBI owing under Sections 2(H) and 6 hereof, shall be excused
when such delay in performance is due to a cause or event beyond the reasonable
control of such party, including without limitation any act of God; any fire,
flood or weather condition; any earthquake; any riot or explosion; provided,
however, that written notice thereof must be given by such party to the other
party within ten (10) days after the occurrence of such cause or event.

            24.   ENTIRE AGREEMENT

            Each party hereto has read this Agreement, understands it and agrees
to be bound by its terms and conditions. This Agreement supersedes all prior
verbal and written agreements between the parties and constitutes the complete
and exclusive statement of the terms and conditions between the parties covering
the performance hereof, and except as otherwise stated in this Agreement, it
cannot be altered, amended or modified except in a writing executed by a duly
authorized representative of each party.

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

ONLINE DATA CORP.                         QUAD CITY BANCARD, INC.

By:  /s/ John Rante                       By:  /s/ John Schricker
     -----------------------------------       --------------------------------

      Title: President                                Title: President
<PAGE>
                  FIRST AMENDMENT TO MERCHANT BROKER AGREEMENT

      This First Amendment to Merchant Broker Agreement is made this 19th day of
April, 2002, by and between QUAD CITY BANCARD, INC., a Delaware corporation
("QCBI") and ONLINE DATA CORP., a Delaware corporation ("ISO/MSP"):

      WHEREAS, QCBI and ISO/MSP are parties to a certain Merchant Broker
Agreement dated April 20, 2000 (the "Merchant Broker Agreement"); and

      WHEREAS, the Merchant Broker Agreement, pursuant to its terms, expired on
April 20, 2001, but automatically renewed for an additional one year term ending
April 20, 2002; and

      WHEREAS, each party has heretofore given a notice of non-renewal to the
other party at least 90 days prior to April 20, 2002 thereby preventing renewal
of the Merchant Broker Agreement for an additional one year term; and

      WHEREAS, notwithstanding their prior notices of non-renewal, the parties
hereto desire to extend the term of said Merchant Broker Agreement for
successive 30-day terms on the terms hereinafter stated.

      NOW, THEREFORE, in consideration of the covenants herein contained, the
parties hereto agree as follows:

      1. The term of the Merchant Broker Agreement is hereby extended on a
month-to-month basis on the same terms and conditions set forth in the said
Merchant Broker Agreement.
<PAGE>
      2. The Merchant Broker Agreement shall extend for successive one month
terms hereafter, unless either party shall provide the other party written
notice of non-renewal at least thirty (30) days prior to the commencement of any
additional one month term. For purposes hereof, the monthly anniversary date
shall be the 20th day of each month. Accordingly, to prevent renewal for an
additional month commencing on the 20th day of the month, notice of non-renewal
shall be provided to the other party by not later than the 20th day of the
preceding month.

      3. In all other respects, except as herein amended, the said Merchant
Broker Agreement is ratified and confirmed.

QUAD CITY BANCARD. INC.                         ONLINE DATA CORP.

by:  /s/ John W. Schricker                      by:  /s/ John Rante
   -------------------------------------           -----------------------------
     John Schricker, its President                   John Rante, its President

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