Document:

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                  ASSIGNMENT No. 16 OF RECEIVABLES IN ADDITIONAL AC COUNTS,
dated as of July 1, 2001, by and between CHASE MANHATTAN BANK USA, NATIONAL
ASSOCIATION, a national banking corporation organized and existing under the
laws of the United States of America ("Chase USA"), and THE BANK OF NEW YORK, a
banking corporation organized and existing under the laws of the State of New
York (the "Trustee") pursuant to the Pooling and Servicing Agreement referred to
below.

                              W I T N E S S E T H:

                  WHEREAS, Chase USA, as Transferor on and after June 1, 1996,
The Chase Manhattan Bank, as Transferor prior to June 1, 1996 and as Servicer,
and the Trustee are parties to the Third Amended and Restated Pooling and
Servicing Agreement, dated as of November 15, 1999, as amended by the First
Amendment thereto dated as of March 31, 2001 (hereinafter as such agreement may
have been, or may from time to time be, amended, supplemented or otherwise
modified, the "Pooling and Servicing Agreement");

                  WHEREAS, pursuant to the Pooling and Servicing Agreement,
Chase USA wishes to designate Additional Accounts of Chase USA to be included as
Accounts and to convey the Receivables of such Additional Accounts, whether now
existing or hereafter created, to the Trust as part of the corpus of the Trust
(as each such term is defined in the Pooling and Servicing Agreement); and

                  WHEREAS, the Trustee is willing to accept such designation and
conveyance subject to the terms and conditions hereof;

                  NOW, THEREFORE, Chase USA and the Trustee hereby agree as
follows:

                           1.  Defined Terms.  All terms defined in the
         Pooling and Servicing Agreement and used herein shall have such
         defined meanings when used herein, unless otherwise defined herein.

                           "Addition Date" shall mean, with respect to the
         Additional Accounts designated hereby, July 1, 2001.

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                           "Notice Date" shall mean, with respect to the
         Additional Accounts designated hereby, June 7, 2001.

                           2. Designation of Additional Accounts. Chase USA
         shall deliver to the Trustee not later than five Business Days after
         the Addition Date, a computer file or microfiche list containing a true
         and complete list of each MasterCard and VISA account which as of the
         Addition Date shall be deemed to be an Additional Account, such
         accounts being identified by ac count number and by the amount of
         Receivables in such accounts as of the close of business on the
         Addition Date. Such list shall be delivered five Busi ness Days after
         the date of this Agreement and shall be marked as Schedule 1 to this
         Assignment and, as of the Addition Date, shall be incorporated into and
         made a part of this Assignment.

                           3.       Conveyance of Receivables.
                                    -------------------------

                           A. Chase USA does hereby transfer, assign, set-over
         and otherwise convey to the Trust for the benefit of the
         Certificateholders, without recourse on and after the Addition Date,
         all right, title and interest of Chase USA in and to the Receivables
         now existing and hereafter created in the Additional Accounts
         designated hereby, all monies due or to become due with respect thereto
         (including all Finance Charge Receivables) and all pro ceeds of such
         Receivables, Recoveries, Interchange, Insurance Proceeds relating to
         such Receivables and the proceeds of any of the foregoing.

                           B. In connection with such transfer, Chase USA agrees
         to record and file, at its own expense, a financing statement with
         respect to the Receivables now existing and hereafter created in the
         Additional Accounts designated hereby (which may be a single financing
         statement with respect to all such Receivables) for the transfer of
         accounts as defined in Section 9-102 of the UCC as in effect in the
         State of New York meeting the requirements of applicable state law in
         such manner and such jurisdictions as are necessary to perfect the
         assignment of such Receivables to the Trust, and to deliver a file-
         stamped copy of such financing statement or other evidence of such
         filing (which may, for purposes of this Section 3, consist of telephone
         confirmation of such filing) to the Trustee on or prior to the date of
         this Agreement.

                           C.  In connection with such transfer, Chase USA
         further agrees, at its own expense, on or prior to the date of this
         Assignment to indi cate in its computer files that Receivables created
         in connection with the

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         Additional Accounts designated hereby have been transferred to the
         Trust pursuant to this Assignment for the benefit of the
         Certificateholders.

                           D. Chase USA hereby grants to the Trustee a security
         interest in all of Chase USA's right, title and interest in, to and
         under the Receivables now existing and hereafter created in the
         Additional Accounts designated hereby, all monies due or to become due
         with respect to such Receivables, Insurance Proceeds relating to such
         Receivables, Recoveries, Interchange and the proceeds to any of the
         foregoing to secure a loan in an amount equal to the unpaid principal
         amount of the Investor Certificates issued or to be issued pursuant to
         the Pooling and Servicing Agreement and the interests accrued at the
         related Certificate Rates, and this Agreement shall constitute a
         security agreement under applicable law. Chase USA shall execute
         continuation statements and provide other further assurances to
         maintain the perfection and priority of such security interest of the
         Trust.

                           4. Acceptance by Trustee. The Trustee hereby
         acknowledges its acceptance on behalf of the Trust for the benefit of
         the Certificateholders of all right, title and interest previously held
         by Chase USA in and to the Re ceivables now existing and hereafter
         created, and declares that it shall main tain such right, title and
         interest, upon the Trust herein set forth, for the benefit of all
         Certificateholders.

                           5.  Representations and Warranties of Chase USA.
         Chase USA hereby represents and warrants to the Trust as of the
         Addition Date:

                           A. Legal, Valid and Binding Obligation. This
                  Assignment constitutes a legal, valid and binding obligation
                  of Chase USA en forceable against Chase USA in accordance with
                  its terms, except as such enforceability may be limited by
                  applicable bankruptcy, insol vency, reorganization, moratorium
                  or other similar laws now or here after in effect affecting
                  the enforcement of creditors' rights in general and the rights
                  of creditors of banking associations and except as such
                  enforceability may be limited by general principles of equity
                  (whether considered in a suit at law or in equity).

                           B.  Eligibility of Accounts and Receivables.  Each
                  Additional Account designated hereby is an Eligible Account
                  and each Receiv able in such Additional Account is an Eligible
                  Receivable.

                                                  3

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                           C.  Selection Procedures.  No selection procedures
                  believed by Chase USA to be materially adverse to the
                  interests of the Investor Certificateholders were utilized in
                  selecting the Additional Accounts designated hereby from the
                  available Eligible Accounts in the Bank Portfolio.

                           D.  Insolvency.  Chase USA is not insolvent and,
                  after giving effect to the conveyance set forth in Section 3
                  of this Assignment, will not be insolvent.

                           E. Security Interest. This Assignment constitutes
                  either: (i) a valid transfer and assignment to the Trust of
                  all right, title and interest of Chase USA in and to
                  Receivables now existing and hereafter creat ed in the
                  Additional Accounts designated hereby, and all proceeds (as
                  defined in the UCC) of such Receivables and Insurance Proceeds
                  relating thereto, and such Receivables and any proceeds
                  thereof and Insurance Proceeds relating thereto will be held
                  by the Trust free and clear of any Lien of any Person claiming
                  through or under Chase USA or any of its Affiliates except for
                  (x) Liens permitted under subsection 2.5(b) of the Pooling and
                  Servicing Agreement, (y) the interest of the holder of the
                  Transferor Certificate and (z) Chase USA's right to receive
                  interest accruing on, and investment earnings in respect of,
                  the Finance Charge Account and the Principal Account as
                  provided in the Pooling and Servicing Agreement; or (ii) a
                  valid and continuing security interest (as defined in the UCC)
                  in the Additional Accounts in favor of the Trust, the proceeds
                  (as defined in the UCC) thereof and Insurance Proceeds
                  relating thereto, upon the conveyance of such Re ceivables to
                  the Trust, which security interest is prior to all other
                  Liens, and is enforceable against creditors of and purchasers
                  from Chase USA, and which will be enforceable with respect to
                  the Receiv ables thereafter created in respect of Additional
                  Accounts designated hereby, the proceeds (as defined in the
                  UCC) thereof and Insurance Proceeds relating thereto, upon
                  such creation; and (iii) if this Assign ment constitutes the
                  grant of a security interest to the Trust in such property,
                  upon the filing of a financing statement described in Section
                  3 of this Assignment with respect to the Additional Accounts
                  desig nated hereby and in the case of the Receivables of such
                  Additional Accounts thereafter created and the proceeds (as
                  defined in the UCC) thereof, and Insurance Proceeds relating
                  to such Receivables, upon such creation, the Trust shall have
                  a first priority perfected security

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                  interest in such property (subject to Section 9-306 of the UCC
                  as in effect in the State of Delaware), except for Liens
                  permitted under subsection 2.5(b) of the Pooling and Servicing
                  Agreement. Chase USA has caused or will have caused, within
                  ten days, the filing of all appropriate financing statements
                  in the proper filing office in the appropriate jurisdictions
                  under applicable law in order to perfect the security interest
                  in the Receivables granted to the Trust hereunder. The
                  Receivables constitute "accounts" within the meaning of the
                  applicable UCC.

                           F. Other Liens. Other than the security interest
                  granted to the Trust pursuant to this Agreement, Chase USA has
                  not pledged, as signed, sold, granted a security interest in,
                  or otherwise conveyed any of the Receivables. Chase USA has
                  not authorized the filing of and is not aware of any financing
                  statements against Chase USA that include a description of
                  collateral covering the Receivables other than any financing
                  statement (i) relating to the security interest granted to the
                  Trust hereunder, (ii) that has been terminated, or (iii) that
                  names The Bank of New York as secured party. Chase USA is not
                  aware of any judgment or tax lien filings against Chase USA.
                  Chase USA owns and has good and marketable title to the
                  Receivables free and clear of any Lien, claim or encumbrance
                  of any Person.

                           G.  Breach of Representations and Warranties.  The
                  provision set forth in Section 2.4(d) of the Pooling and
                  Servicing Agreement shall be applicable to any breach of the
                  representations and warranties of this Section 5 with respect
                  to any Receivable.

                           6.       Conditions Precedent.  The acceptance by
                  the Trustee set forth in Section 4 and the amendment of the
                  Pooling and Servicing Agree ment set forth in Section 7 are
                  subject to the satisfaction, on or prior to the Addition Date,
                  of the following conditions precedent:

                                    A. Officer's Certificate. Chase USA shall
                  have deliv ered to the Trustee a certificate of a Vice
                  President or more senior officer substantially in the form of
                  Schedule 2 hereto, certifying that (i) all requirements set
                  forth in Section 2.6 of the Pooling and Servic ing Agreement
                  for designating Additional Accounts and conveying the
                  Principal Receivables of such Account, whether now existing or
                  hereafter created, have been satisfied and (ii) each of the

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                  representa tions and warranties made by Chase USA in Section 5
                  is true and correct as of the Addition Date. The Trustee may
                  conclusively rely on such Officer's Certificate, shall have no
                  duty to make inquiries with regard to the matters set forth
                  therein, and shall incur no liability in so relying.

                                    B.  Opinion of Counsel.  Chase USA shall
                  have deliv ered to the Trustee an Opinion of Counsel with
                  respect to the Addi tional Accounts designated hereby
                  substantially in the form of Exhibit E to the Pooling and
                  Servicing Agreement.

                                    C.       Additional Information.  Chase
                  USA shall have delivered to the Trustee such information as
                  was reasonably re quested by the Trustee to satisfy itself as
                  to the accuracy of the repre sentation and warranty set forth
                  in subsection 5(d) to this Agreement.

                           7. Amendment of the Pooling and Servicing Agreement.
         The Pooling and Servicing Agreement is hereby amended to provide that
         all references therein to the "Pooling and Servicing Agreement," to
         "this Agree ment" and "herein" shall be deemed from and after the
         Addition Date to be a dual reference to the Pooling and Servicing
         Agreement as supplemented by this Assignment and by Assignment No. 1 of
         Receivables in Additional Accounts, dated as of July 1, 1996,
         Assignment No. 2 of Receivables in Additional Accounts, dated as of
         September 1, 1996, Assignment No.3 of Receivables in Additional
         Accounts, dated as of December 1, 1997, Assign ment No. 4 of
         Receivables in Additional Accounts, dated as of February 1, 1998,
         Assignment No. 5 of Receivables in Additional Accounts, dated as of
         April 1, 1998, Assignment No. 6 of Receivables in Additional Accounts,
         dated as of August 1, 1998, Assignment No. 7 of Receivables in
         Additional Accounts, dated as of November 1, 1998, Assignment No. 8 of
         Receivables in Additional Accounts, dated as of February 1, 1999,
         Assignment No. 9 of Receivables in Additional Accounts, dated as of
         April 1, 1999, Assignment No. 10 of Receivables in Additional Accounts,
         dated as of July 1, 1999, Assignment No. 11 of Receivables in
         Additional Accounts, dated as of October 1, 1999, Assignment No. 12 of
         Receivables in Additional Accounts, dated as of February 1, 2000,
         Assignment No. 13 of Receivables in Addi tional Accounts, dated as of
         April 1, 2000, Assignment No. 14 of Receivables in Additional Accounts,
         dated as of May 1, 2000, Assignment No. 15 of Receivables in Additional
         Accounts, dated as of August 1, 2000, Reassign ment No. 1 of
         Receivables in Removed Accounts, dated as of September 30,

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         1997 and Reassignment No. 2 of Receivables in Removed Accounts, dated
         as of December 1, 1997. Except as expressly amended hereby, all of the
         representations, warranties, terms, covenants and conditions to the
         Pooling and Servicing Agreement shall remain unamended and shall
         continue to be, and shall remain, in full force and effect in
         accordance with its terms and except as expressly provided herein shall
         not constitute or be deemed to constitute a waiver of compliance with
         or a consent to noncompliance with any term or provisions of the
         Pooling and Servicing Agreement.

                           8. Survival. The representations, warranties and cove
         nants of the parties hereto shall survive the assignment of the
         Receivables pursuant to this Agreement and the termination of this
         Agreement, and shall inure to the benefit of the Trust. Notwithstanding
         to the contrary in this Agreement, the representations and warranties
         of the Chase USA herein shall not survive after the tenth (10th)
         anniversary of the Addition Date.

                           9. Waivers and Amendments. This Agreement may be
         amended, superseded, canceled, renewed or extended and the terms hereof
         may be waived, only by a written instrument signed by authorized
         representa tives of the parties or, in the case of a waiver, by an
         authorized representative of the party waiving compliance and, in all
         cases, subject to confirmation by each Rating Agency then rating any
         Investor Certificates. No such written instrument shall be effective
         unless it expressly recites that it is intended to amend, supersede,
         cancel, renew or extend this Agreement or to waive compliance with one
         or more of the terms hereof, as the case may be. No delay on the part
         of any party in exercising any right, power or privilege hereunder
         shall operate as a waiver thereof, nor shall any waiver on the part of
         any party of any such right, power or privilege, or any single or
         partial exercise of any such right, power or privilege, preclude any
         further exercise thereof or the exercise of any other such right, power
         or privilege.

                           10.      Counterparts.  This Assignment may be
                  executed in two or more counterparts (and by different parties
                  on separate counterparts), each of which shall be an original,
                  but all of which together shall constitute one and the same
                  instrument.

                                        7

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                           11. GOVERNING LAW. THIS AGREEMENT SHALL BE CONSTRUED
         IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK WITHOUT REFERENCE
         TO ITS CONFLICT OF LAW PROVISIONS, AND THE OBLIGATIONS, RIGHTS AND
         REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE
         WITH SUCH LAWS.

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<PAGE>

                  IN WITNESS WHEREOF, the undersigned have caused this Assign
ment of Receivables in Additional Accounts to be duly executed and delivered by
their respective duly authorized officers on the day and year first above
written.

                                    CHASE MANHATTAN BANK USA,
                                    NATIONAL ASSOCIATION

                                    By: /s/ Patricia Garvey
                                       ----------------------------------
                                       Name:  Patricia Garvey
                                       Title: Vice President

                                    THE BANK OF NEW YORK,
                                      as Trustee

                                    By: /s/ Erwin Soriano
                                       ----------------------------------
                                       Name:  Erwin Soriano
                                       Title: Assistant Treasurer

                                       9

<PAGE>

                                                       Schedule 1
                                                       to Assignment of
                                                       Receivables in
                                                       Additional Accounts

                                         ADDITIONAL ACCOUNTS<PAGE>

                             CLICKNSETTLE.COM, INC.
                             1010 Northern Boulevard
                              Great Neck, NY 11021

                                                         July 9, 2001

CONFIDENTIAL
------------

Dr. Kenneth Sun
President
E-Vue, Inc
33 Wood Ave. South, 2/F
Iselin, NJ 08830

         Re:      Proposed Merger between E-Vue, Inc. and clickNsettle.com, Inc.

Dear Dr. Sun:

         Pursuant to our recent discussions, clickNsettle.com, Inc., a
publicly-traded Delaware corporation ("CLIK"), is pleased to deliver this letter
of intent ("LOI") which sets forth the preliminary terms and conditions of the
proposed merger transaction (the "Transaction") between CLIK and E-Vue, Inc., a
Delaware corporation (herein referred to as "E-Vue" and collectively with CLIK,
the "Parties"). For purposes of this letter of intent, any references to "we",
"our" or "us" are references to CLIK, and any references to "you" are references
to E-Vue.

         It is currently contemplated that the Transaction will consist of a
merger of E-Vue with a newly-formed subsidiary of CLIK whereby E-Vue will become
a wholly-owned subsidiary of CLIK. In connection with the Transaction, the
shareholders of E-Vue will exchange their equity interests in E-Vue for Common
Stock and Preferred Stock of CLIK. The Preferred Stock of CLIK to be issued in
the Transaction will be convertible into Common Stock of CLIK commencing six
months after the closing of the Transaction, and will have certain other rights
and preferences to be negotiated by the parties. The terms of the Transaction
and other transactions contemplated in connection therewith which are set forth
herein are based upon our preliminary and limited review of certain information
provided to us by you concerning the business, assets, operations, condition and
prospects of E-Vue. Therefore, we reserve the right to modify the tax, legal
and/or accounting structure of the Transaction and surviving corporation(s) and
any another relevant terms contained herein based upon the results of our due
diligence investigation.

<PAGE>

         1.       Agreement.

         The terms and provisions of the Transaction shall be described in one
or more definitive agreements and plans of merger (the "Merger Agreement") by
and between the Parties which shall contain the terms and conditions set forth
in this LOI, as modified and amended by subsequent negotiations of the Parties,
and such representations and warranties, covenants, indemnities and conditions
that are usual and customary in a merger of this kind.

         2.       Interim Period Activities by E-Vue.

         Within 90 days from the date of this LOI, E-Vue may not enter any
agreement with any third party to sell or merge itself.

         3.       Interim Period Activities by CLIK.

          E-Vue acknowledges that, prior to the closing of the Merger Agreement
(the "Closing"), CLIK may enter into the following agreements and take the
following actions:

                  (a) CLIK may use up to $500,000 of its cash and/or other
         working capital, as well as CLIK securities, to purchase certain assets
         of a competing dispute resolution business ("Competing Dispute
         Business", and together with CLIK's existing business, the "Dispute
         Business"), and may sell all or part of the assets of the Dispute
         Business (whether or not the Competing Dispute Business is purchased by
         CLIK).

                  (b) In connection with its purchase of the Competing Dispute
         Business, CLIK may enter into an employment agreement with the
         Executive Vice President of the Competing Dispute Business and issue
         options pursuant to CLIK's employee stock option plan ("Option Plan")
         as part of such employment agreement.

                  (c) CLIK may take all necessary actions to amend its
         Certificate of Incorporation to effect a reverse stock split of its
         issued capital stock and any instruments convertible into such capital
         stock.

                  (d) Subject to Section 7, within 90 days from the date of this
         LOI, CLIK may not enter any agreement with any third party to sell or
         merge itself; provided, however, that nothing herein shall prevent CLIK
         or CLIK's Board of Directors from (i) furnishing non-public information
         to, or entering into discussions or negotiations with, any person or
         entity in connection with an acquisition proposal which such person or
         entity is considering making for all or a portion of CLIK's business,
         and (ii) entering into an agreement with respect to a sale transaction
         relating to some or all of CLIK'S business negotiated with such person
         or entity, if, in the case of this clause (ii), CLIK'S Board of
         Directors reasonably believes in good faith, after consultation with
         its financial, legal and

                                       2
<PAGE>

         other advisers, that such action is required to comply with its duties
         to holders of CLIK's Common Stock imposed by applicable law.

         4.       Capitalization

                  (a) Ownership. At the Closing, the capitalization of the
         public entity which shall exist upon closing of the Transaction (the
         "Public Entity"), shall be as follows: Subject to adjustment as
         provided in the last sentence of this paragraph (a), the shareholders
         of E-Vue (including all holders of E-Vue preferred stock and holders of
         warrants, options and any other securities or rights to purchase E-Vue
         capital stock) shall receive as a result of the Transaction 19% of the
         common stock of the Public Entity and will also receive preferred stock
         of the Public Entity that will be convertible, on a share-for-share
         basis, into 56% of the common stock of the Public Entity. The
         percentages set forth in this paragraph (a) are based on CLIK's total
         outstanding common shares and (b) those outstanding options and
         warrants which are exercisable for $1.50 or less on the date of the
         Closing of the Transaction. Pursuant to 3 (c) above, if CLIK effects a
         1-for-3 or 1-for-4 reverse stock split before the Closing of the
         Transaction, only those options and warrants which have a $1.50
         exercise price post-reverse stock split will be included in calculation
         of such percentages. It is also understood that there will be certain
         rights associated with the preferred stock of the Public Entity issued
         to the E-Vue shareholders, which will be negotiated in good faith by
         CLIK and E-Vue. It is contemplated that the Public Entity will raise a
         minimum of $5 million at not less than a $20 million entity valuation.
         In the event that less than $5 million in financing is secured, the
         ownership by CLIK shareholders will be adjusted upward to 30% on a
         pre-money basis. Such adjustment will be effected by the surrender for
         cancellation of shares of the Public Entity that were issued to the
         E-Vue shareholders in connection with the Transaction, which surrender
         will be effected on a pro rata basis by the holders of E-Vue common
         stock and options and warrants to purchase E-Vue common stock,
         determined in accordance with the total number of shares of Public
         Entity common stock and preferred stock which such holders receive in
         the Transaction. Any financing conducted by the Public Entity as
         contemplated above, whether for $5 million or less, must be effected at
         a valuation of not less than $20 million.

                  (b)      Stock Options and Warrants.

                  (i)      Of E-Vue. All existing E-Vue options and warrants of
                           E-Vue shall be converted to options and warrants of
                           the Public Entity's common stock; provided that the
                           number of shares of the Public Entity subject to such
                           options and warrants shall be included in determining
                           the percentage of stock owned by E-Vue shareholders
                           set forth in Section 4(a) above .

                  (ii)     Of CLIK.

                                       3
<PAGE>

                           (A) Existing warrants and consultant options of CLIK
                           as of the Closing shall remain in place after the
                           Transaction, with no additional options or warrants
                           being issued from the time that the LOI is executed.

                           (B) Employee stock options in CLIK issued and
                           outstanding as of the Closing pursuant to its Option
                           Plan shall remain in place after the Transaction. The
                           Public Entity shall be restricted from increasing the
                           number of shares eligible for grant under its Option
                           Plan for a one year period after the Closing.

                           (C) In the event of a reverse stock split as provided
                           for in Section 3(c) above, all existing CLIK options,
                           as well as the total amount of shares in the CLIK
                           Option Plan, will be reduced in accordance with such
                           reverse stock split.

                           (D) Except as otherwise provided in this LOI, CLIK
                           will not issue any additional options or warrants
                           following the date of execution of this LOI without
                           the consent of E-Vue until the earlier of termination
                           of this LOI or the execution of the Merger Agreement.

         5.       Post Closing Operation of Dispute Business.

         In the event the Dispute Business is not sold prior to the Closing of
the Transaction, CLIK currently estimates that, assuming Closing of the
Transaction by no later than September 30, 2001, it will have approximately
$1,500,000 of cash and cash equivalents as of the date of Closing (which gives
effect to the use of $500,000 of cash to pay for the Competing Dispute Business)
less any costs and expenses, incurred by CLIK in connection with the
Transaction, including without limitation fees and expenses of attorneys,
accountants, appraisers, bankers and other third parties, costs and expenses
related to the structuring of the Transaction, the preparation and negotiation
of this LOI and Merger Agreement, preparation of a fairness opinion by an
investment banker, and the conduct of meetings of the board of directors and of
the shareholders of CLIK required to approve the Transaction (the "Transaction
Expenses"). If the Dispute Business is not sold in whole or in part prior to the
Closing, the Parties currently contemplate that, immediately following the
Closing, the assets and liabilities related to the operation of the Dispute
Business, including but not limited to not more than $200,000 in available cash
(the "Advanced Funds"), will be transferred to a new wholly-owned subsidiary of
the Public Entity. The Parties shall work out a mechanism by which the Dispute
Business may have access to additional cash funds (the "Additional Advanced
Funds"). It is contemplated that until the earlier of when the Dispute Business
is sold by the Public Entity or 18 months following the Closing, Mr. Israel will
act as the manager of the Dispute Business, reporting to the new chief executive
officer of the Public Entity and its Board of Directors.

                                       4
<PAGE>

         6.       Management, Employees & Director.

         Our willingness and desire to conclude the Transaction is conditioned
upon the employment after the Closing by the Public Entity of the management and
employees of CLIK, upon materially the same terms and conditions as they
currently have with CLIK. Therefore, as a condition to the Closing, you agree to
enter into employment agreements with all applicable officers and employees of
CLIK upon materially the same terms and conditions as they currently have with
CLIK with the exception that Mr. Israel will no longer be the CEO of CLIK but
instead will run the wholly- owned dispute resolution subsidiary business.
Additionally, you will cause Mr. Israel and a designee of ISO Investment
Holdings, Inc. ("ISO") (as ISO presently has this right pursuant to an agreement
with CLIK) to remain on the Board of Directors of the Public Entity following
the Closing, and will use your best efforts to cause them to continue as
directors until the earlier of the sale of the Dispute Business or 18 months
following the Closing. In addition, each of the shareholders of E-Vue as of the
Closing will be required, as a condition to Closing, to enter into an agreement
with Mr. Israel pursuant to which they will agree to vote, until the earlier of
18 months following the Closing or the sale of the Dispute Business, all voting
stock of the Public Entity owned by them for the election of Mr. Israel as a
director.

         7.       Termination

                  (a) In the event that a Merger Agreement is not entered into
         within 90 days after the date hereof, CLIK may, at its option by
         written notice to E-Vue, elect not to proceed with the Transaction and
         this LOI will be deemed to have terminated as of the date of such
         written notice. In such event:

                           (i) CLIK shall pay E-Vue Transaction Expenses up to a
                  maximum of $100,000 in cash, within three business days
                  following the date of termination.

                           (ii) E-Vue will be entitled a break up fee of
                  $100,000. Upon execution of this LOI, CLIK shall deposit in
                  escrow with a third party designated by E-Vue such amount in
                  cash, which amount shall be released to E-Vue if the
                  provisions of this Section 7(a) are triggered.

                  (b) In the event that that a Merger Agreement is not entered
         into within 90 days after the date hereof, E-Vue may, at its option by
         written notice to CLIK, elect not to proceed with the Transaction and
         this LOI will be deemed to have terminated as of the date of such
         written notice. In such event:

                           (i) E-Vue shall pay CLIK Transaction Expenses up to a
                  maximum of $100,000 in cash, within three business days
                  following the date of termination.

                           (ii) CLIK will be entitled a break up fee of
                  $100,000. Upon execution

                                       5
<PAGE>

                  of this LOI, E-Vue shall deposit in escrow with a third party
                  designated by CLIK such amount in cash, which amount shall be
                  released to CLIK if the provisions of this Section 7(b) are
                  triggered.

         8.       Reimbursement

         In the event that the E-Vue subsidiary company of the Public Entity
does not raise a minimum of $2.5 million, the E-Vue subsidiary of the Public
Entity will reimburse the Public Parent company up to a maximum of $100,000 for
Transaction related expenses.

         9.       Representations; Covenants.

                  (a) The Parties hereby represent and warrant that the
         execution and delivery of this LOI does not, and the consummation of
         the transactions contemplated hereby will not, breach, cause a default
         under or require the receipt of one or more consents or approvals of
         any party to, any existing or proposed contracts, arrangements or
         understandings to which he, she or it is a party except as otherwise
         provided in this LOI.

                  (b) In addition to the other conditions to Closing specified
         herein and others which are included in the definitive Merger
         Agreement, E-Vue acknowledges that the following will be conditions to
         CLIK proceeding with the Transaction:

                           (i) Receipt of a fairness opinion in customary form
                  and acceptable to the CLIK Board of Directors that the
                  consideration to be issued to the shareholders of E-Vue in
                  connection with the Transaction and the other terms of the
                  Transaction are fair and reasonable to CLIK and its
                  shareholders from a financial point of view; and

                           (ii) Approval by an independent committee of the
                  Board of Directors (if one is appointed), the Board of
                  Directors and shareholders of CLIK of the Transaction; and

                           (iii) Receipt of written confirmation from Sarnoff
                  Corporation ("Sarnoff") that the license and development
                  agreement between Sarnoff and E-Vue, granting E-Vue exclusive
                  licenses for certain intellectual property of Sarnoff's, has
                  not materially changed and that it shall continue in full
                  force and effect following the Closing. Such agreement and all
                  subsequent amendments, if any, are to be made available to
                  CLIK for their independent verification of the agreement's
                  status.

                                       6
<PAGE>

                  (c) In addition to the other conditions to Closing specified
         herein and others which are included in the definitive Merger
         Agreement, CLIK acknowledges that following will be conditions to E-Vue
         proceeding with the Transaction:

                           (i) Approval by the E-Vue Board of Directors and
                  shareholders

                           (ii) CLIK will use its reasonable commercial efforts
                  to furnish to E-Vue all necessary and appropriate due
                  diligence information requested by the counsel of E-Vue.

         10.      Access to the Company; Operation in Ordinary Course.

         Following the execution of this LOI and prior to Closing, each Party
will cause or permit representatives of the other Party to have full access to
each Party's management, records and facilities. During such period and except
as otherwise provided in this LOI, each Party will (a) operate only in the
ordinary course of business, (b) maintain the value of its business as a going
concern and preserve its goodwill and its relationships with customers,
suppliers, creditors, contractors and employees, and (c) notify the other Party
of any material adverse change with respect to such Party's condition, business,
assets, operations or prospects.

         11.      Public Announcements.

         Each Party will be entitled to make public announcements concerning the
transaction but not without the prior written consent of the other Party hereto,
which consent will not be unreasonably withheld. Notwithstanding the foregoing,
any of the Parties may at any time make any announcements which are required by
applicable law so long as such Party promptly upon learning of such requirement
notifies the other parties of such requirement and discusses with the other
party in good faith the exact wording of any such announcement.

         12.      Confidentiality

                  (a) The Parties recognize that in the course of undertaking
         the efforts contemplated by this letter, each of them may have access
         to confidential or proprietary information belonging to the other
         Party. Subject to the provisions of this letter of intent, each Party
         is willing to disclose such information and data to the other Party for
         the sole purpose of undertaking the transaction contemplated by this
         LOI. Such information and data, which are confidential, will be
         collectively referred to herein as "Confidential Information"; and each
         Party agrees with respect thereto as follows:

                           (i) To maintain as strictly confidential and preserve
                  the confidentiality of all Confidential Information;

                                       7
<PAGE>

                           (ii) Not to use any Confidential Information for any
                  purpose other than the purpose described in this letter; and
                  this LOI shall not be construed as granting either Party any
                  licenses under any patents, trade secrets or know-how.

                           (iii) To limit disclosure of Confidential Information
                  to employees or representatives of either Party who reasonably
                  require knowledge thereof to accomplish the Party's
                  aforementioned purpose ("Permitted Persons"); and to use
                  either Party's best efforts to assure that all Permitted
                  Persons to whom any Confidential Information is disclosed
                  treat and maintain the Confidential Information as strictly
                  confidential.

                           (iv) Not disclose to any person (including without
                  limitation customers or competitors of either Party or its
                  subsidiaries) either the fact that discussions regarding a
                  possible transaction are taking place or other facts with
                  respect to such discussions, including the status thereof,
                  unless the other Party has given its prior written consent to
                  such disclosure, and direct its employees, representatives,
                  agents, accountants, attorneys, etc., having knowledge of the
                  subject matter of this LOI or any Confidential Information not
                  to make such disclosure. The term "person," as used herein,
                  shall be broadly interpreted to include without limitation any
                  corporation, company, partnership or individual.

                  (b) The limitations imposed by (a) of this Section 11 will not
         prevent either Party from disclosing or using Confidential Information
         which belongs to such Party or is (i) already known by the recipient
         Party without an obligation of confidentiality, (ii) publicly known or
         becomes publicly known through no unauthorized act of the recipient
         Party, (iii) rightfully received from a third party, (iv) independently
         developed by the recipient Party without the use of the other Party's
         Confidential Information, (v) disclosed without similar restrictions to
         a third party by the Party owning the Confidential Information, (vi)
         approved by the other Party for disclosure or use, or (vii) required to
         be disclosed pursuant to a requirement of a governmental agency or law
         or the requirement or request of any securities exchange.

                  (c) The obligations of either Party under this Section 11 will
         remain in full force and effect for a period of one year from receipt
         of the Confidential Information from the other Party hereunder. Either
         Party will be responsible to the other Party for all damages suffered
         by the other Party for the disclosure of the Confidential Information
         or use of the Confidential Information for any other purpose other than
         the above mentioned. Each Party hereto will return all data and
         information in its possession to the other Party in the event that the
         transaction contemplated herein is not consummated.

                                       8
<PAGE>

         13.      Cooperation; Expenses.

         The parties will cooperate with each other in order to effect the
transactions contemplated by this letter of intent as promptly as practicable.
Other than as set forth in Section 7, each Party will be responsible for its own
costs and expenses, including without limitation fees and expenses of attorneys,
accountants, appraisers, bankers and other third parties, incurred by such Party
in connection with the Transaction, including without limitation costs and
expenses related to the structuring of the Transaction, the preparation and
negotiation of this LOI and Merger Agreement, preparation of a fairness opinion
by an investment banker, and the conduct of a meeting of the shareholders of
either Party required to approve the Transaction.

         14.      Non-Binding Nature.

         This LOI is a statement of the present intent and understanding of the
Parties with respect to the Transaction contemplated hereby. This LOI is subject
to the fulfillment of all conditions set forth herein and the satisfaction of
all legal prerequisites to the closing of the transaction contemplated herein.
It is expressly understood by the Parties that, except as set forth in the
following sentence, this LOI is not a binding agreement or commitment of any of
the Parties, and that it does not, and will not, give rise to any legally
binding obligation on the part of any of the Parties or the Company.
Notwithstanding the foregoing, this LOI constitutes a binding agreement of the
parties as to all of Sections, 2, 3(d), 7,8,10,11,12,13, 14, 15 and 16 hereof.
This LOI supersedes any prior proposals, letters or other discussions between
the Parties concerning the subject matter hereof, and all such proposals,
letters or other discussions are likewise of no binding effect. Except as
otherwise provided herein, the binding agreements set forth in this LOI may be
amended or modified only by a writing executed by the Parties.

         15.      Counterparts.

         This LOI may be executed in counterparts, each of which will be deemed
an original, but all of which taken together will constitute one and the same
instrument.

         16.      Governing Law

         This LOI will be governed and construed by, and the parties hereto
agree that the Agreement will be governed and construed by, the internal laws of
the State of New York, without reference to its conflict of laws rules.

                                       9
<PAGE>

         17.      Brokers.

         Except with regard to the Parties' agreement with Atlas Capital
Services, LLC, neither of the Parties hereto is directly or indirectly obligated
to anyone acting as a broker, finder, investment banker or in any other similar
capacity in connection with this LOI, the proposed Merger Agreement or the
transactions contemplated hereby or thereby.

         This LOI has been executed on behalf of clickNsettle.com Inc. by its
Vice President thereunto duly authorized. If the foregoing accurately reflects
the understanding of the parties hereto, please so indicate by having both
originals of this LOI executed on behalf of E-Vue, Inc. by an officer thereunto
duly authorized in the space provided below and returning one executed original
to us.

                                         CLICKNSETTLE.COM, INC.

                                         By:
                                            ----------------------------------
                                              Name:  Patricia Giuliani-Rheaume
                                              Title: Chief Financial Officer

Accepted and Agreed to this _____day of July, 2001:

E-VUE,  INC.

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

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