Document:

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                                                                   EXHIBIT 10.14

                                LETTER OF INTENT

This Letter of Intent ("the Agreement") is made this 2nd day of August, 2000 and
entered into by and between Nexxus Holdings Ltd. ("Nexxus"), a Bahamian
corporation with its principal place of business at Centreville House, 3rd
Floor, Collins Avenue, P.O. Box CB 12724, Nassau, The Bahamas, and Solutions
America, Inc. ("Solutions"), a Delaware corporation with its principal place of
business at 600 Corporate Pointe, 12th Floor, Culver City, California 90230.
Each of the aforementioned parties is sometimes referred to individually as a
"Party" and collectively they will be referred as the "Parties".

Whereas Solutions is in the business of acquiring and processing electronic
transactions and possesses certain proprietary software and systems;

Whereas Nexxus is in the business of international payment systems and possesses
licenses and relationships relative to the issuing and processing of credit and
debit cards;

The Parties hereby express their intent, subject to formal contract, to form a
Joint Venture for the purpose of establishing and operating an E-commerce
Processing Center (the "Center") in Nassau, The Bahamas. Each party agrees to
contribute its expertise and methods to the Joint Venture.

The Parties will share equally in the capital expenses, operating expenses and
net profits of the Center. Notwithstanding the foregoing, Solutions shall fund
the acquisition and installation of all hardware and software and other assets
necessary to establish the Center, subject to specific approval on each expense
and item. Nexxus will secure its share of the capital expenditures (advanced by
Solutions) as mutually agreed, but in the last resort, may repay Solutions by
assignment of its share of profits.

The Parties will also provide management and technological support (the
"Services") to the Center on an ongoing basis. Such Services will be based on
market prices and mutually agreed upon by both Parties. The Parties will utilize
the Center's services for the processing of their own products, such services to
be provided at market prices.

The Parties will agree to a capital and operating budget and move to contract
within 30 days.

As part of the Agreement, Nexxus hereby grants to Solutions an option to
purchase fifty percent (50%) of Nexxus' interest in the Purchase Agreement dated
December 22, 1999 for the acquisition of Winslow Bank and Trust Co. Ltd.

This Letter of Intent is non-binding and intended only to set out the basic
parameters of the Parties understanding. The Joint Venture contemplated
hereunder is conditional, without limitation, upon the following terms and
conditions:

1.    Solutions must have established acceptable banking relationships for
      credit and debit card issuing and processing.

2.    A written contract is executed within 30 days of the date of this
      Agreement.

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3.    Each Party's respective Board of Directors have approved the formal
      written contract.

4.    A Shareholders Agreement is executed which would include a dissolution
      provision in the event of a change of shareholder.

IN WITNESS WHEREOF, the Parties have executed this Letter of Intent effective as
of the 2nd day of August, 2000.

On behalf of:                            On behalf of:
NEXXUS HOLDINGS LTD.                     SOLUTIONS AMERICA, INC.

--------------------------               -------------------------------------
By: Andrew Gape, President               By: Floyd W. Kephart, Chairman & CEO

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                                                                   EXHIBIT 10.15

                           MERCHANT SERVICES AGREEMENT

This Merchant Services Agreement (the "AGREEMENT") is made and entered into by
and between Solutions America, Inc. ("SOLUTIONS"), a Delaware corporation with
its principal place of business at 600 Corporate Pointe, 12th Floor, Culver
City, CA 90230 and SGAA Ltd. ("CLIENT"), a Bahamian corporation with its
principal place of business at 5 George Street, P.O. Box 13037, Nassau, The
Bahamas. This Agreement is effective as of the date set forth below.

For good and valuable consideration, the receipt and sufficiency of which are
hereby acknowledged, the parties do hereby agree as follows:

A.      Nature and Term of Engagement.

        (i)    Retention of Solutions. Client hereby retains Solutions to
               provide on-line payment processing and reporting services
               ("Payment Processing Services"), as more particularly described
               in the Merchant Guide attached hereto as Addendum A for any web
               sites which may be owned, represented, managed, operated or
               assigned by Client (the "Client Web Sites"). Solutions accepts
               such engagement on the terms and subject to the conditions
               hereinafter set forth and those terms and conditions set forth in
               the Merchant Guide, which are incorporated herein as if fully set
               forth herein. Solutions shall retain the right to fulfill its
               obligations under this Agreement by using the services of third
               parties.

        (ii)   Term. Subject to the termination rights set forth in Section 1 of
               the Merchant Guide, the term of this Agreement shall be one (1)
               year from the date hereof; provided, that this Agreement shall be
               automatically renewed for additional one (1) year terms, unless
               either party gives the other party written notice of its
               intention not to renew at least thirty (30) days prior to the
               last day of the then current term, in which event the last
               effective date of this Agreement shall be the last day of the
               then current term.

        (iii)  Exclusivity. By entering into this Agreement, Client appoints
               Solutions as its exclusive agent to provide the Payment
               Processing Services for all on-line purchase transactions
               generated by any customer of the Client Web Sites (a "Customer").

        (iv)   Services Not Included. Client agrees and acknowledges that
               under this Agreement Solutions will provide only the Payment
               Processing Services. Solutions will not provide any debit card
               processing, customer service or other "back office" support and
               Client is solely responsible for all customer

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                support services, including but not limited to receiving and
                responding to billing inquiries and handling of retrieval
                requests, chargebacks, creditbacks, refunds, credits, returns
                and/or disputes.

B.      Fees; Settlement and Payment; Reserve Account.

        (i)    Fees for Payment Processing Services. Client shall pay or cause
               to be paid to Solutions fees for Payment Processing Services (the
               "Payment Processing Fees") in the amounts set forth in Exhibit A
               hereto.

        (ii)   Settlement and Payment. Pursuant to the Merchant Account
               Agreement between Client and the bank that maintains the Client's
               merchant account (the "Merchant Account Bank"), incorporated
               herein by reference, Client acknowledges that the Merchant
               Account Bank will receive all proceeds from transactions
               submitted by Client and further acknowledges Client's obligation
               to pay in full any and all obligations including but not limited
               to all Merchant Account Bank fees and obligations, all
               chargebacks arising in connection with transactions submitted by
               it to the Merchant Account Bank and other fees in addition to the
               Payment Processing Fees. All obligations of Client for, including
               but not limited to, any bank discount fee, processing fee,
               chargebacks, transaction or credit costs, legal fees, fines,
               penalties or government assessments and any and all obligations
               payable by Client (the "Client Obligations") shall be deducted
               from all payments due to Client at the time of each payment.
               Client hereby instructs Merchant Account Bank to retain all such
               Client Obligations and to deposit same in such financial
               institutions as may be required by the Merchant Account Bank, any
               card association, transaction processor, Solutions, or other
               party. To the extent that amounts payable to Client are not
               sufficient to pay such obligations of Client described herein,
               Merchant Account Bank may, at its option, debit the Reserve
               Account (as defined below) to pay such obligations.

        (iii)  Net Client Payment. Pursuant to the payment terms of the Merchant
               Account Agreement between Client and the Merchant Account Bank,
               Solutions shall cause the Client's bank account held in its name
               at the Merchant Account Bank (the "Client Merchant Account") to
               be credited in the amount of all proceeds from transactions
               submitted by Client net of the Payment Processing Fees, Reserve
               Account, chargebacks and Client Obligations discussed herein. The
               determination of the payment terms shall be made upon signature
               of the Merchant Account Agreement.

        (iv)   Reserve Account. Pursuant to the Merchant Account Agreement, the
               Merchant Account Bank may and shall deduct from each Client
               payment a percentage of the gross amount processed by Client as
               set forth in Exhibit A (the "Reserve Percentage"), which Reserve
               Percentage the Merchant

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               Account Bank will deposit in a demand deposit account in its name
               and under its sole control (the "Reserve Account"). This Reserve
               Account shall be maintained by the Merchant Account Bank on the
               terms and conditions set forth in the Merchant Account Agreement.

        (v)    Right of Offset. At any time that an amount is due Solutions from
               Client and Solutions does not obtain payment of such amount due
               as provided in this Agreement, Solutions shall have the right to
               apply or set off any amounts otherwise owed to Client by
               Solutions hereunder, including, without limitation, any amounts
               in the Reserve Account, to the amount owed by Client.

        (vi)   Currency.  All payments hereunder shall be in U.S. dollars.

C.      Notices. Except where specifically provided for to the contrary, all
        notices, requests, demands and other communications hereunder shall be
        in writing and shall be deemed given: (i) if delivered personally; or,
        (ii) three (3) days after mailed by certified or registered mail,
        postage prepaid, return receipt requested; or, (iii) upon transmission,
        if sent by prepaid telegram, telex or fax and a receipt of transmission
        is obtained, in each case addressed to the party to receive notice, at
        the address or fax number specified herein, or at such other address or
        fax number as the parties may provide from time to time, in the manner
        prescribed herein for the delivery of notices.

        Solutions' address for receipt of notice is:

               c/o Floyd Kephart
               Chairman and CEO
               Solutions America, Inc.
               600 Corporate Pointe
               12th Floor
               Culver City, California 90230
               Fax:  (310) 665-7606

        Client's address for receipt of notice is:

               c/o Matt Petrocelli
               President
               SGAA Ltd.
               5 George Street
               P.O. Box 13037

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               Nassau, The Bahamas

D.      Counterparts/Faxed Signatures. This Agreement may be executed in two (2)
        or more counterparts, each of which shall be deemed an original but all
        of which together shall constitute one and the same instrument. In the
        event of any variation or discrepancy between fully-executed copies of
        this Agreement (including any exhibits and riders), Solutions' copy
        shall control. Additionally, this Agreement may be executed by faxed
        signatures, the delivery of which shall be binding and effective for all
        purposes.

E.      Authority. By executing this Agreement in the space provided below, the
        person signing this Agreement on behalf of Client represents to
        Solutions that Client's governing body or person(s): (i) has authorized
        Client to enter into this Agreement and to assume the duties and
        obligations set forth herein; (ii) has authorized the signatory hereof
        to execute and deliver this Agreement on behalf of Client and to thereby
        bind Client to the terms and conditions hereof; (iii) Client is legally
        authorized to own, represent, manage, operate or assign the Client Web
        Sites; and, (iv) Client has obtained all necessary, regulatory approvals
        and certificates to provide any services it intends to offer Customers.

F.      Governing Law. This Agreement shall be governed by and construed in
        accordance with the internal laws of the State of California applicable
        to agreements made and to be performed entirely in such state without
        giving effect to the conflicts of laws principles thereof.

IN WITNESS WHEREOF, the parties have executed this Merchant Services Agreement
effective as of this ______________ day of _______________, 2000.

SOLUTIONS AMERICA, INC.                SGAA LTD.

By:                                    By:
   ----------------------------           --------------------------------------
   Floyd W. Kephart                       Matt Petrocelli
   Chairman & CEO                         President

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                                    EXHIBIT A

1.      PAYMENT PROCESSING FEES

        Payment Processing Fees as defined in section B(i) of this Agreement
        shall be computed as: % of gross amount of transactions processed plus
        $0.35 per transaction.

2.      RESERVE PERCENTAGE

        Reserve Percentage as defined in section B(iv) shall be: _____% of gross
        amount of transactions processed on a rolling six (6) month period.

3.      VISA INTERNATIONAL, INC.

        Under Visa International's Internet High Risk Monitoring Program,
        merchants who are considered to be High Risk will be charged an initial
        US$5,000 plus US$0.35 per approved transaction and an annual fee of
        US$1,000 for this monitoring program.

4.      CLIENT MERCHANT ACCOUNT INFORMATION

        Bank Name:                  ________________________________________

        ABA No.:                    ________________________________________

        Depository Account No.:     ________________________________________

5.      CORPORATE STRUCTURE

        In the event that Client requests or is subject to the requirement for a
        company incorporated in a foreign jurisdiction, Solutions may assist in
        the formation and administration of such a company on behalf of Client.
        The fee for such services may vary depending on the jurisdiction of
        incorporation of the company.

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                                   ADDENDUM A

                                 MERCHANT GUIDE
                              TERMS AND CONDITIONS

The following terms and conditions are part of the Merchant Services Agreement
(the "Agreement") pursuant to which Solutions America, Inc. ("Solutions") will
provide on-line payment processing and reporting services to clients with
respect to on-line purchase transactions generated by customers of the clients'
web sites. Capitalized terms used below that are not defined below shall have
the meanings provided in the Agreement. All references below to "this Agreement"
refer to the Agreement.

1.   Termination/Suspension.

     (a)  Client Termination. Client may terminate this Agreement at any time
          without further written notice if Solutions materially breaches any of
          its covenants, representations and warranties contained in this
          Agreement and such breach is not cured by Solutions within thirty (30)
          days of receipt of written notice from Client regarding such breach.

     (b)  Solutions Termination. Solutions may terminate this Agreement:

          (i)  at any time without further written notice if Client materially
               breaches any of its covenants, representations and warranties
               contained in this Agreement and such breach is not cured by
               Client within thirty (30) days of receipt of written notice from
               Solutions regarding such breach;

          (ii) at any time effective immediately upon receipt by Client of
               written notice if Solutions reasonably believes that Client has
               engaged, or is engaging, in any activities or omissions to act
               that: (A) have subjected, are subjecting and/or will or may
               subject, either Client, the Merchant Account Bank, the processor
               for the Merchant Account Bank that processes authorized
               transactions through the MasterCard International, Incorporated
               ("MasterCard") system, or VISA U.S.A. Inc. or VISA International,
               Inc. ("Visa") system, or both, or their successors and assigns
               (the "Card Processor"), or Solutions (including for purpose of
               this paragraph any of its officers, directors, employees,
               shareholders, affiliates or third parties providing services to
               Solutions), to a fine or other civil or administrative penalty,
               review, audit, heightened scrutiny, or change in administrative
               or legal status; or, (B) have infringed, are infringing, and/or
               will or may infringe on the rights (including without limitation,
               property rights) of third parties;

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          (iii) at any time without written notice if Client's Merchant Account
                Bank ceases to process through an Internet capable and Solutions
                approved Card Processor; or

          (iv)  at any time, with or without cause, upon sixty (60) days written
                notice to Client.

     (c)  Survival. Notwithstanding anything in this Section 1 to the contrary,
          all of Client's payment obligations to Solutions under this Agreement
          shall survive termination or suspension of this Agreement.

2.   Processing Procedures.

     (a)  Client Procedures; Batch Processing. Client will provide a check-out
          for the purchase of goods, services, and/or content (the "Goods") by
          Customers on a secure check-out link on Client Web Sites. Client will
          require from each Customer that places an order for the purchase of
          selected Goods ("Customer Order") from Client information consisting
          of the Customer's name, e-mail address and password, credit or debit
          card information, billing and shipping information and any other
          information required by either Client or Solutions (the "Customer
          Information"). Client will submit the Customer Information to
          Solutions as part of the authorization process described in Section
          2(b). Upon Client's receipt of authorization from its Card Processor
          and shipment of the Goods described in the Customer Order to or in
          accordance with the instructions of the ordering Customer, Client will
          submit the Customer Information to Solutions for processing. Client
          may hold a number of Customer Orders and submit a batch of Customer
          Orders to Solutions for processing (the "Batch Processing"). At no
          time shall Client submit Customer Information to Solutions for
          processing prior to shipment of Customer Order.

     (b)  Filtering and Authorizations. Solutions will "scrub" the data
          submitted by the Customer for authorization purposes, running such
          data through its filters and credit card databases and making all
          other customary reasonable efforts to identify fraudulent,
          unauthorized or duplicate transactions. Solutions will then format the
          data in a manner acceptable to Client's Card Processor and
          electronically submit the Customer's authorization request to the Card
          Processor.

     (c)  Reporting. Solutions will retain the Customer Information, and make
          available certain of such data to Client in the form of various sales
          and management reports and other related financial data as Solutions
          may

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          generate from time to time. These reports and data will be available
          to Client via the Internet only (not in paper form).

     (d)  Availability of Processing Service. Solutions shall use commercially
          reasonable efforts to maintain its Processing Services in operation at
          all times (twenty-four (24) hours per day, seven (7) days per week and
          three hundred and sixty-five (365) days per year); provided, however,
          that Solutions shall have no liability whatsoever for its failure to
          do so where such failure results from a cause delineated in Section 12
          hereof, and in all other circumstances, Solutions' liability shall be
          limited as specified in Section 10 hereof.

3.   Programming Services.

     Custom or individualized programming services beyond those included as part
     of Payment Processing Services ("Programming Services") may be provided to
     Client. Should Client request such Programming Services, Solutions may, in
     its sole discretion, agree to perform such services at fees mutually agreed
     upon at the time such services are to be performed.

4.   Limited Liability for Inaccurate, Incomplete or Fraudulent Credit or Debit
     Card Information.

     Notwithstanding Section 2(b), Solutions shall have no liability to Client
     for any inaccurate, incomplete, fraudulent or duplicate information
     submitted, or transactions effectuated, by Customers, or the use of stolen
     cards, or any damages, chargebacks or creditbacks resulting to or suffered
     by Client or Customer from any of the foregoing unless and solely to the
     extent that such damages are directly and solely attributable to Solutions'
     gross negligence or willful misconduct. Solutions' liability under this
     Section 4 shall be limited as specified in Section 10.

5.   Representations and Warranties and Covenants of Client.

     With full understanding that Solutions is expressly and directly relying on
     the following representations and warranties and Client's covenants in
     agreeing to enter into this Agreement and to provide services hereunder,
     Client hereby makes the following representations and warranties to and
     covenants with Solutions:

     (a)  Strict Compliance with Laws, Rules and Regulations. Client does, and
          at all times during the term of this Agreement will, operate its
          business and the Client Web Sites in compliance: (i) with all laws and
          regulations applicable to Client's business, including, but not
          limited to, the Federal Trade Commission Act of 1914 (the "FTC Act")
          and the rules and regulations

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          promulgated thereunder; (ii) with all of the rules and regulations
          issued from time to time by Visa, MasterCard, or any other governing
          credit card organization; and, (iii) with all contractual obligations
          to, and rules and regulations issued from time to time by, its Card
          Processor and its Merchant Account Bank.

     (b)  Advertising and Promotional Materials. On the Client's web site, and
          in any advertising or promotional materials for such site, Client will
          use its reasonable best efforts at all times during the term of this
          Agreement to accurately, plainly and completely describe the products
          or services it is offering for sale, the price and terms on which they
          are being sold, the action(s) that must be taken to consummate a
          purchase, the point at which a sale is final and irreversible, and any
          rights a Customer may have to return, obtain a refund or terminate a
          transaction.

     (c)  Must Offer Promoted Goods and Services. Client does, and at all times
          during the term of this Agreement will, make all reasonable efforts to
          timely provide all goods and/or perform all services advertised or
          otherwise promised on the Client's web site, for the price and on the
          terms advertised or promised.

     (d)  Customer Confidentiality. Client does not, and at all times during the
          term of this Agreement will not, sell or transfer any information
          supplied by or relating to a Customer, or use any such information for
          any purpose other than: (i) completing the transactions for which it
          was furnished or for responding to a retrieval request or Customer
          complaint; (ii) internally within Client's company, its parent
          company, or any wholly owned subsidiaries; or, (iii) in response to a
          subpoena issued by a Court of competent jurisdiction and will not sell
          or otherwise furnish such information to others, and otherwise, will
          take reasonable steps to ensure the confidentiality of a Customer's
          personal information.

     (e)  Libel, Intellectual Property, etc. The Client Web Sites do not, and at
          all times during the term of this Agreement will not, contain any
          material which is libelous, slanderous, defamatory, or which will
          violate or infringe upon or will otherwise give rise to any adverse
          claim with respect to any common law or other right of any person or
          other entity, including, without limitation, patent rights, copyright
          rights, trademark rights, service mark rights, trade name rights,
          literary, artistic, and dramatic rights, idea submission rights,
          privacy rights and all other civil, personal and proprietary rights.
          Upon the request of Solutions, Client will cooperate with Solutions'
          efforts to comply with the Digital Millennium Copyright Act.

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     (f)  Harmful Matter. The Client Web Sites do not, and at all times during
          the term of this Agreement will not, contain any message or
          communication of any kind which is harmful, violent, threatening,
          abusive or hateful.

     (g)  Viruses, etc. The Client will use its reasonable best efforts to
          insure that the Client Web Sites do not, and at all times will not,
          contain any file or data stream which contains viruses, worms, "Trojan
          horses" or any other destructive features, regardless whether damage
          is intended or unintended.

     (h)  Use of Solutions' Services. Client will not use any of Solutions'
          services in any manner, or in furtherance of any activity, which
          constitutes a violation of any law or regulation or which may cause
          Solutions to be subject to investigation, prosecution or legal action.

6.   Client Web Sites Display of Terms and Conditions.

     The Client Web Sites shall contain terms and conditions ("Client Terms and
     Conditions") that govern the operation of the Client Web Sites, and which
     clearly set forth the respective rights, duties and obligations of Client
     and the Customer. Client shall be solely responsible for the creation,
     legality and sufficiency of its Client Terms and Conditions. Solutions
     shall have no duty to review, approve or edit the content of Client Terms
     and Conditions.

7.   Confidentiality.

     (a)  Confidential Information. Solutions and Client acknowledge and agree
          that in the course of fulfilling their obligations hereunder, each
          party may have access to information or material that is commercially
          valuable to both companies and not generally known in the industry
          ("Confidential Information"). Confidential Information includes but is
          not limited to: (i) any and all versions of proprietary computer
          software and any documentation related thereto; (ii) technical
          information concerning products and services, including product data
          and specifications, know-how, formulae, diagrams, flow charts,
          drawings, source code, object code, program listings, test results,
          processes, inventions, research projects and product development;
          (iii) any and all versions of any designs, patents, trademarks or
          copyrightable works, discoveries, formulae, processes, manufacturing
          techniques, trade secrets, inventions, improvements, ideas, business
          plans; (iv) information concerning each party's business, including
          cost information, profits, sales information, accounting and
          unpublished financial information, business plans or strategies,
          markets and marketing methods, customer lists and customer
          information, sponsor lists and sponsor information, purchasing
          techniques, supplier lists and supplier information

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          and advertising strategies; (v) information concerning employees,
          including salaries, strengths, weaknesses and skills; (vi) information
          submitted by each party's customers, suppliers, employees, or
          co-venturers for study, evaluation or use; or, (vii) any other
          information not generally known to the public or by actual or
          potential competitors of Solutions and Client, which, if misused or
          disclosed, could reasonably be expected to adversely affect either
          party's business.

     (b)  Non-disclosure. Solutions and Client acknowledge and agree that: (i)
          all Confidential Information of each party is the sole and exclusive
          property of such party and is regularly used by such party in the
          operation and conduct of each of their respective businesses, and that
          the unauthorized disclosure of Confidential Information would have a
          material adverse effect on the business, operations and competitive
          position of the party whose information was thus disclosed; (ii)
          neither party will at any time divulge to any person or entity, orally
          or in writing, directly or indirectly, in whole or in part, any
          Confidential Information, without both parties' explicit prior written
          consent; (iii) both parties will receive and maintain all Confidential
          Information in strictest confidence using reasonable care; (iv) that
          any violation or breach of this Agreement may result in significant
          and irreparable injury, that a remedy at law may be inadequate, and
          that, in the event of any such violation or breach, the parties, in
          addition to any other relief to which they may be entitled, shall in
          addition be entitled to temporary and permanent injunctive relief.

     (c)  Exception. Notwithstanding anything in this Agreement to the contrary,
          neither party has any duty of non-disclosure with respect to
          Confidential Information that: (i) was in their possession or already
          known to them without an obligation to keep it confidential, before
          such information was disclosed, is publicly available at the time of
          disclosure or that becomes publicly available after disclosure other
          than through breach of this Agreement or other wrongful act; (ii) is
          disclosed by either party with mutual prior written approval; (iii) is
          disclosed to either party by a third party who is not in breach of
          their own obligation of confidentiality; (iv) either party develops
          independently other than through breach of this Agreement, or (v) is
          required to be disclosed under operation of law, or pursuant to
          applicable law or court, administrative or governmental order.

     (d)  Survival. The provisions of this section shall continue for so long as
          the either party remains in possession of Confidential Information and
          shall survive the termination of this Agreement for any reason.

8.   Intellectual Property.

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     During the term of this Agreement, Solutions hereby grants to Client a
     nonexclusive, royalty-free, limited license to use, display and reproduce
     the trademarks, service marks, and logos of Solutions on its web site,
     stationery or marketing/advertising materials solely to publicize the fact
     that Solutions is handling the processing of the Client's online
     transactions. No materials displayed by the Client may indicate or imply,
     directly or indirectly, that Solutions endorses the Client's products or
     services. Other than the limited right stated herein, the Client hereby
     acknowledges and agrees that nothing in the Agreement, or any of the
     documents or transactions referenced herein, shall be deemed to transfer,
     assign, grant or license any right, title or interest of any kind in, and
     that the Client shall at no time have or acquire any right or claim to, any
     intellectual property generated, created, produced, purchased, owned by or
     licensed to Solutions, including, without limitation, any rights in any
     trademark, service mark, trade dress, photograph, videographic work,
     audiovideographic work, text, program or other intellectual property
     appearing in, on, at or in association with Solutions or any affiliated
     site or advertisement thereof. Upon termination of this Agreement for any
     reason, all right, title and interest in and to Solutions' intellectual
     property shall remain with Solutions, Client shall have no further right to
     the use thereof, and Client shall immediately cease the use of all such
     intellectual property in any manner whatsoever.

9.   Indemnification.

     Notwithstanding anything else contained herein, as material consideration
     to induce Solutions to enter into this agreement, Client hereby agrees to
     indemnify, defend (with counsel reasonably acceptable to Solutions),
     protect and hold harmless Solutions and its officers, directors,
     shareholders, affiliated entities and persons, employees, agents,
     representatives and attorneys (collectively "Representatives") from and
     against any and all claims, causes of actions, demands, judicial and
     administrative proceedings, liabilities, forfeitures, errors, damages,
     costs and expenses (including without limitation, reasonable attorney's
     fees and attendant costs and expenses, whether or not suit is filed or
     proceedings instituted thereon), directly or indirectly arising in
     connection with this Agreement or the various subject matters hereof, or
     any breach or default in Client's performance of any of its obligations
     hereunder, or Client's operation of its business or its maintenance and/or
     operation of Client Web Sites, or the act or omission of any of Customers,
     the Card Processor or the Merchant Account Bank, or any of Client's
     partners, shareholders, officers, directors, employees, managers, members,
     agents, representatives, affiliates, agents or representatives, whether or
     not intentional or negligent, and whether or not covered by insurance.

10.  Limitation of Liability of Solutions.

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     IN NO EVENT SHALL SOLUTIONS OR ANY PERSONS OR ENTITIES ASSOCIATED THEREWITH
     BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR
     CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THIS
     AGREEMENT OR THE SUBJECT MATTERS HEREOF (INCLUDING, WITHOUT LIMITATION,
     DAMAGES FOR LOSS OF BUSINESS PROFITS, BUSINESS INTERRUPTION OR LOSS OF
     BUSINESS INFORMATION) EVEN IF SOLUTIONS HAS BEEN ADVISED OF THE POSSIBILITY
     OF SUCH DAMAGES. Because of the extreme difficulty of fixing actual damages
     for any failure of Solutions to perform its obligations hereunder or from
     any failure of Solutions to perform any obligations imposed by law, Client
     agrees that Solutions' entire liability, and Client's exclusive remedy, for
     any claim for damages against Solutions and all persons or entities
     directly or indirectly affiliated therewith arising out of this Agreement
     or the various subject matters hereof, or the performance or
     non-performance by Solutions of its obligations hereunder, whether grounded
     in contract or in tort, shall be limited to liquidated damages in the
     amount of the consideration paid to Solutions by Client in connection with
     the affected transaction, and no more. The provisions of this paragraph
     apply even though the loss or damage, irrespective of cause or origin,
     results directly or indirectly, either from performance or nonperformance
     of obligations imposed by this Agreement.

11.  Disclaimer of Warranty.

     SOLUTIONS DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, WRITTEN OR ORAL,
     INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY AND FITNESS FOR
     A PARTICULAR PURPOSE. CLIENT ACKNOWLEDGES THAT THE SERVICES PROVIDED BY
     SOLUTIONS HEREUNDER MAY NOT BE UNINTERRUPTED OR ERROR FREE.

12.  Force Majeure.

     (a)  Events Beyond Solutions' Control. If Solutions cannot perform any of
          its obligations due to events beyond its control, such failure to
          perform shall not constitute a breach of this Agreement, and the time
          provided for performing such obligations shall be extended by a period
          of time equal to the duration of such events. Events beyond Solutions'
          control include, but are not limited to, acts of God, war, civil
          commotion, labor disputes, equipment failures, strikes, fire, flood,
          earthquake or other casualty, shortages of labor or material,
          government regulation or restriction, weather conditions, breaches or
          failures to perform by third parties, technical problems, including
          hardware and software crashes and other malfunctions, disruptions on
          account of or caused by vandalism, theft, phone service

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<PAGE>   14

          outages, Internet disruptions, viruses, and mechanical, power or
          communications failures.

     (b)  Change in Law. If, after the date of this Agreement, any law,
          regulation, or ordinance, whether federal, state, or local becomes
          effective which substantially alters Solutions' ability to perform
          services hereunder, Solutions shall have the right to terminate this
          Agreement, with notice, if reasonably possible, effective upon the
          earlier of (i) the date upon which Solutions shall be unable to
          provide its customary services hereunder, or (ii) thirty (30) days
          following written notice.

13.  General Provisions.

     (a)  Relationship Between Parties. The parties to this Agreement are
          independent contractors and nothing in this Agreement shall make them
          joint venturers, partners, employees, agents or other representatives
          of the other party hereto. Neither party shall make any representation
          that suggests otherwise.

     (b)  Assignment. Neither party may transfer or assign any of its rights or
          duties under this Agreement without the prior written consent of the
          other party, which consent shall not be unreasonably withheld;
          provided, that Solutions may assign the Agreement to any affiliate of
          Solutions or contract with third parties as provided in section A(i)
          of the Agreement.

     (c)  Taxes. Each party shall report and pay all taxes imposed on its
          revenues or income by any jurisdiction. If Solutions is required to
          pay any such taxes on the revenues or income of the Client, the Client
          shall immediately reimburse Solutions for the amount of such taxes and
          all related interest, fines and penalties. The parties agree that
          taxes in the nature of excise, sales or use taxes are not currently
          imposed on the transactions contemplated under this Agreement. If such
          taxes are hereafter imposed, the payment of such taxes shall be the
          Client's responsibility. Solutions shall have the right to collect and
          pay over taxes in the nature of an excise, sales or use tax on behalf
          of the Client if reasonably required to do so by a taxing authority of
          competent jurisdiction. If Solutions makes any such payment, the
          Client shall immediately reimburse Solutions for the amount of any
          such taxes and related fines, penalties and interest.

     (d)  Venue and Jurisdiction. The parties hereby irrevocably submit
          themselves to the exclusive jurisdiction and venue of the state and
          federal courts sitting in the State of California, for any legal
          proceeding relating to this Agreement or the various subject matters
          hereof. The parties hereto hereby

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<PAGE>   15

          waive and agree not to assert (by way of motion, as a defense or
          otherwise) that any such proceeding is brought in an inconvenient
          forum or that the venue thereof is improper.

     (e)  Arbitration. Any dispute, controversy or claim relating to this
          Agreement or any breach or default in the performance of the terms and
          conditions thereof shall be settled by arbitration in the State of
          California, County of Los Angeles in accordance with the then-existing
          arbitration rules promulgated by the American Arbitration Association.
          The decision of the arbitrators shall be final and binding on the
          parties, and judgment upon the award rendered by the arbitrators may
          be entered in any court having jurisdiction thereof. Any arbitration
          award shall include attorneys' fees for the prevailing party.

     (f)  Integration and Amendment. This Agreement, along with any exhibits,
          attachments or other documents affixed hereto or referred to herein,
          constitutes the entire agreement between the parties hereto relative
          to the various subject matters hereof and may be amended or revoked
          only by an instrument in writing signed by both parties; provided,
          that, modifications or amendments to this Addendum shall become
          effective thirty (30) days after the date first posted on the
          Solutions web site unless Client's written objection to any amendment
          or modification is received by Solutions prior to the effective date
          of the same. The parties hereby agree that no prior agreement,
          understanding or representation pertaining to any matter covered or
          mentioned in this Agreement shall be effective for any purpose.

     (g)  Severability. If any term or provision of this Agreement shall be held
          invalid or unenforceable to any extent under any applicable law by a
          court of competent jurisdiction, the remainder of this Agreement will
          not be affected thereby, and each remaining term and provision of this
          Agreement shall be valid and enforceable to the fullest extent
          permitted by law. To the extent that the provisions of such applicable
          law may be waived, they are hereby waived to the end that this
          Agreement is deemed to be a valid and binding agreement enforceable in
          accordance with its terms.

     (h)  Waiver. No waiver by either party of the breach of any covenant,
          condition or term of this Agreement shall be construed as a waiver of
          any preceding or succeeding breach nor shall the acceptance of any fee
          or other payment during any period in which either party is in default
          be deemed to be a waiver of such default. All waivers must be in
          writing and signed by the waiving party.

                                       10
<PAGE>   16

     (i)  Attorney's Fees. If suit, action or arbitration is brought to enforce
          or interpret any provision of this Agreement, or the rights or
          obligations of any party hereto as they relate to the subject matter
          of this Agreement, the prevailing party shall be entitled to recover,
          as an element of such party's costs of suit, and not as damages, all
          reasonable costs and expenses incurred or sustained by such prevailing
          party in connection with such suit or action or arbitration,
          including, without limitation, attorneys' fees and expenses and court
          costs.

     (j)  Survival of Representations and Warranties. All representations and
          warranties of Client contained herein shall survive the execution and
          delivery of this Agreement.

     (k)  Waiver of Immunities. Each party irrevocably waives, to the fullest
          extent permitted by applicable law, with respect to itself and its
          revenues and assets (irrespective of their use or intended use), all
          immunity on the grounds of sovereignty or other similar grounds from
          (i) suit, (ii) jurisdiction of any court, (iii) relief by way of
          injunction, order for specific performance or for recovery of
          property, (iv) attachment of its assets (whether before or after
          judgment) and (v) execution or enforcement of any judgment to which it
          or its revenues or assets might otherwise be entitled in any
          proceedings in the courts of any jurisdiction and irrevocably agrees,
          to the extent permitted by applicable law, that it will not claim any
          such immunity in any proceedings.

     (l)  Contractual Currency.

          (i)  Each payment under this Agreement will be made in the relevant
               currency specified in this Agreement for that payment (the
               "Contractual Currency"). To the extent permitted by applicable
               law, any obligation to make payments under this Agreement in the
               Contractual Currency will not be discharged or satisfied by any
               tender in any currency other than the Contractual Currency,
               except to the extent such tender results in the actual receipt by
               the party to which payment is owed, acting in a reasonable manner
               and in good faith in converting the currency so tendered into the
               Contractual Currency, of the full amount in the Contractual
               Currency of all amounts payable in respect of this Agreement. If
               for any reason the amount in the Contractual Currency so received
               falls short of the amount in the Contractual Currency payable in
               respect of this Agreement, the party required to make the payment
               will, to the extent permitted by applicable law, immediately pay
               such additional amount in the Contractual Currency as may be
               necessary to

                                       11
<PAGE>   17

               compensate for the shortfall. If for any reason the amount in the
               Contractual Currency so received exceeds the amount in the
               Contractual Currency payable in respect of this Agreement, the
               party receiving the payment will refund promptly the amount of
               such excess.

          (ii) Judgments. To the extent permitted by applicable law, if any
               judgment or order expressed in a currency other than the
               Contractual Currency is rendered (A) for the payment of any
               amount owing in respect of this Agreement, (B) for the payment of
               any amount relating to any early termination in respect of this
               Agreement or (C) in respect of a judgment or order of another
               court for the payment of any amount described in (A) or (B)
               above, the party seeking recovery, after recovery in full of the
               aggregate amount to which such party is entitled pursuant to the
               judgment or order, will be entitled to receive immediately from
               the other party the amount of any shortfall of the Contractual
               Currency received by such party as a consequence of sums paid in
               such other currency and will refund promptly to the other party
               any excess of the Contractual Currency received by such party as
               a consequence of sums paid in such other currency if such
               shortfall or such excess arises or results from any variation
               between the rate of exchange at which the Contractual Currency is
               converted into the currency of the judgment or order for the
               purposes of such judgment or order and the rate of exchange at
               which such party is able, acting in a reasonable manner and in
               good faith in converting the currency received into the
               Contractual Currency, to purchase the Contractual Currency with
               the amount of the currency of the judgment or order actually
               received by such party. The term "rate of exchange" includes,
               without limitation, any premiums and costs of exchange payable in
               connection with the purchase of or conversion into the
               Contractual Currency.

         (iii) Separate Indemnities. To the extent permitted by applicable law,
               these indemnities constitute separate and independent obligations
               from the other obligations in this Agreement, will be enforceable
               as separate and independent causes of action, will apply
               notwithstanding any indulgence granted by the party to which any
               payment is owed and will not be affected by judgment being
               obtained or claim or proof being made for any other sums payable
               in respect of this Agreement.

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<PAGE>   18

          (iv) Evidence of Loss. For the purpose of this Section 13(l), it will
               be sufficient for a party to demonstrate that it would have
               suffered a loss had an actual exchange or purchase been made.

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