Document:

Exhibit 10 (i)

                               RESELLER AGREEMENT

         This Agreement (the "Agreement") is entered into in San Diego,
California by and between Zoovy, Inc. a Delaware corporation with offices at
2533 South Coast Highway 101 Suite #290, Cardiff by the Sea, California 92007
(hereinafter "Zoovy") and First National Data Bank, Inc. (hereinafter
"Reseller") with offices located at 989 Georgia Avenue, Palm Harbor, FL 34685.

         WHEREAS  Zoovy  is a  provider  of  small  business  online  e-commerce
software and marketing services;

         WHEREAS Reseller is a firm actively engaged in assisting small or
medium sized businesses with technology.

         NOW, THEREFORE in consideration of the above recitals, which form a
part of the agreement of the parties, Reseller and Zoovy agree as follows:

1.       DEFINITIONS:

         1.1      Merchants - any prospective customers who is not currently not
                  engaged with Zoovy either directly or through a reseller.

         1.2      Participating Merchants - Merchants who has been sold Services
                  by Reseller pursuant to this Agreement.

         1.3      Ineligible Merchants - Any Merchants who are actively engaged
                  with Zoovy for Services, but was not sold Services by
                  Reseller.

         1.4      Subscriber Agreement - Any agreement or form that provides
                  Zoovy the necessary information and permission to begin
                  billing the Participating Merchant, or to bill the Reseller.

         1.5      Services - one of the services described in Exhibit A.

         1.6      Fixed Fees - the monthly fees that do not fluctuate for an
                  account.

         1.7      Variable Fees - optional fees may be applied through usage of
                  the Zoovy system. Examples include Auction processing,
                  technical support, additional disk space, and others that may
                  be charged during normal usage.

2.       RESPONSIBILITIES OF RESELLER. Zoovy hereby retains and authorizes
         Reseller to market and sell the Services to Merchants as specifically
         described below. Reseller acknowledges that Zoovy and others will be
         marketing and supporting the Services. Reseller's authority to act on
         behalf of Zoovy shall be limited to the activities described in this
         Section 2. Reseller's rights and obligations include the following:

         2.1      Reseller shall provide consulting on any other services it has
                  agreed with Participating Merchants to provide, which are
                  outside of the Zoovy Services. Reseller agrees to indemnify,
                  defend and hold harmless Zoovy from and against any and all
                  claims, liabilities, demands, actions, causes of actions,
                  losses, damages, costs or fees (included, but not limited to,
                  reasonable attorneys' fees and expenses) in any way arising
                  out of or in connection with any services provided by Reseller
                  to Participating Merchants.

         2.2      Subscriber Agreements executed under this Agreement to begin
                  billing Reseller shall be executed by employees of Reseller's
                  organization using a designated toll-free telephone number, or
                  password secured online form.

         2.3      Reseller may create accounts for Merchants by completing an
                  online Subscriber Agreement, or transmitting a written
                  Subscriber Agreement. All Subscriber Agreements for the
                  Services are subject to acceptance or rejection in Zoovy's
                  sole and absolute discretion (Fairness issue), and are subject
                  to the terms of the Zoovy Terms of Service policy which may be
                  found at http://www.zoovy.com/legal

         2.4      Reseller to provide technical and customer support for
                  Participating Merchants.

         2.5      Reseller, at its sole discretion, may choose to resell Zoovy
                  Services with it's own services. This is acceptable to Zoovy
                  provided the following conditions are met:

                  2.5.1    Participating Merchant is informed that specific
                           portions of their site are powered by Zoovy.

                  2.5.2

                  2.5.3    Reseller will provide technical and customer support
                           to Participating Merchant.

                  2.5.4    Reseller must be aware of, and is responsible for any
                           and all charges incurred by the Participating
                           Merchant for Zoovy Services.

         2.6      Reseller shall market the Services only to Merchants. Reseller
                  shall not market the Services to: (a) Ineligible Merchants,
                  (b) Merchants sell products in violation of Zoovy's Term of
                  Service policy, and (c) certain other Merchants or industries
                  as may be designated in writing from time to time by Zoovy in
                  its sole discretion subject to sixty (60) days written notice.

         2.7      Reseller will designate one or more contact persons who will
                  coordinate the transfer of information between Zoovy and
                  Reseller, and who will be available to respond to inquiries.

         2.8      Reseller agrees that all marketing and promotional material
                  that incorporate the Zoovy training materials and CD ROM must
                  receive written approval from Zoovy prior to use.

         2.9      Reseller shall train merchants to ensure that the
                  Participating Merchant is able to operate their web store in
                  an effective manner.

         2.10     Reseller will provide 30 days notice for termination or
                  cancellation of any Participating Merchant following an
                  initial 40 day grace period.. No set-up fees will be charged
                  for accounts cancelled within 40 day grace period.

3.       RESPONSIBILITIES OF ZOOVY

         3.1      Zoovy will provide Reseller with a complete suite of Zoovy
                  Services on a co-branded basis for purpose of resell to
                  Participating Merchants.

         3.2      Standards. Zoovy's hosting standards shall conform to the
                  following:

                  3.2.1    Availability of Web Site. The Website shall be
                           publicly available to users a minimum of 90% of the
                           time during any 24 hour period, 98% of the time
                           during any 7 day period, and 99% of the time during
                           any 30 day period; and there will be no period of
                           interruption in public accessibility to the Website
                           that exceeds 2 continuous hours.

                  3.2.2    Response Time. The mean response time for server
                           response to all accesses to the Website shall not
                           exceed more than 10 seconds during any 1 hour period.

                  3.2.3    Bandwidth. The bandwidth representing the Website's
                           connection to the Internet shall be operating at
                           capacity no more than 30 minutes in any 24 hour
                           period.

                  3.2.4    Security. Zoovy shall prevent unauthorized access to
                           the restricted areas of the Website and any databases
                           or other sensitive material generated from or used in
                           conjunction with the Website; and Zoovy shall notify
                           Reseller of any known security breaches or holes.

                  3.2.5    Inapplicability of Force Majeure. The foregoing
                           standards shall apply regardless of the cause of the
                           interruption in service, even if the interruption in
                           service was beyond the control of Zoovy.

                  3.2.6    Remedies. In addition to other applicable remedies,
                           Reseller will receive a full months credit on
                           hosting, if any breach of this Section 3.2 is not
                           cured within the later of the next measurable period
                           (only if applicable) or 10 days.

                  3.2.7    Site Backup. At Zoovy's expense, Zoovy shall maintain
                           a complete and current copy of the Website on a
                           server located at a remote location. In the event
                           that service is interrupted to the Website, the
                           remote server shall be immediately activated so that
                           public access to the Website may continue
                           uninterrupted.

                  3.2.8    Server Logs. On the first day of every month, and at
                           any other time as reasonably requested by Reseller,
                           Zoovy at its expense shall deliver to Reseller in
                           electronic form the server logs of Website activity
                           (the "Server Logs").

4.       DEPOSITS AND PAYMENTS.

         4.1      Zoovy will extend credit lines to Reseller with terms of net
                  10.

         4.2      Zoovy requires a valid credit card or checking account from
                  Reseller from which funds may be withdraw, if payments are not
                  made within a timely manner. Payments are considered
                  delinquent if payments not received 5 (five) days after due
                  date. Delinquent payments will charged to Reseller's credit
                  card or checking account and will include late payment fee of
                  5.0% of all past due amounts. Zoovy has right close accounts
                  of Participating Merchants or request a deposit, if accounts
                  are past due for more than 30 days.

         4.3      Zoovy will receive payment from Reseller. Reseller shall be
                  responsible for collecting Fixed and Variable fees from
                  Participating Merchants. Reseller is responsible for all
                  charges made by Participating Merchants. At the Resellers
                  request, Zoovy will directly bill the Participating Merchant
                  for any Variable Fees associated with an account.

         4.4      Zoovy shall provide Reseller an electronic website for
                  determining the current billing and breakdown of all Fixed
                  Fees and Variable Fees associated with any Participating
                  Merchant who is active with the Reseller.

         4.5      Zoovy may alter its prices. Zoovy will provide Reseller at
                  least 60 days advanced notice before the first affected
                  billing cycle.

5.       COMMISSIONS. Zoovy shall pay no commissions on all Services sold under
         this Agreement. Reseller is responsible for collecting all fees from
         Participating Merchants.

6.       REQUESTED INELIGIBLITY. In the event the Reseller terminates the
         Participating Merchant's account without cause, Zoovy will, at it's
         option, by the request of the Participating Merchant, remove said
         Participating Merchant from the Resellers list of active accounts and
         form an arrangement to invoice the Participating Merchant directly for
         Zoovy Services, provided the Participating Merchant wishes to continue
         with the Zoovy Service. In the event this occurs, the Participating
         Merchant shall be deemed as an Ineligible Merchant for all
         participating Zoovy Resellers. Zoovy will notify Reseller in writing of
         any such action.

7.       MARKETING PROGRAM. Reseller shall at its expense promote the sale of
         Services to Merchants under this Agreement through an on-going
         marketing program. The marketing program shall include, at a minimum,
         the activities specified in Exhibit C to this Agreement, and the
         Parties may from time to time review and agree upon additional
         marketing activities.

8.       COMPLIANCE WITH LAW. Reseller shall maintain all licenses; permits or
         registrations required to perform its obligations under this Agreement
         and shall comply with all federal, state and local laws and regulations
         applicable to the sale of the Services under this Agreement.

9.       INDEMNIFICATION. Each party shall indemnify, defend and hold harmless
         the other party and the other party's officers, directors, agents,
         members, employees, shareholders and affiliates against any claim,
         damage, liability or expense (including reasonable attorneys fees)
         arising out of or relating to the indemnifying party's breach of this
         Agreement or any acts or omissions of the indemnifying party or its
         employees, contractors or agents under the Agreement.

10.      CONFIDENTIALITY. Each party shall strictly maintain the confidentiality
         of any nonpublic, proprietary information it may obtain from the other
         party and shall not disclose that information to any other person or
         entity, except (i) as agreed to in writing by the other party or (ii)
         as required by applicable law, regulation or court order. The
         confidentiality obligations of the Parties under this Paragraph shall
         survive the expiration or termination of this Agreement.

11.      TRADE NAMES AND TRADEMARKS. This Agreement grants either party a
         limited use license in Exhibit B, which will remain active for the
         duration of this agreement. Except as expressly provided in Exhibit B
         this agreement does not grant either party permission to use any other
         corporate name, trade name, trademark, service mark, symbol or logo of
         the other party in any manner whatsoever.

12.      BOOKS AND RECORDS. Zoovy shall maintain adequate books and records to
         demonstrate its compliance with its obligations under this Agreement.
         Such books and records shall be made available upon reasonable advance
         notice to Reseller and its designated accountants, counsel, or other
         representatives for inspection and audit during normal business hours.

13.      NON SOLICITATION. Reseller shall not, either while this Agreement is in
         force or thereafter, (i) use or disclose, rent or sell any the names
         and addresses of customers of Participating Merchants it learns as a
         result of selling Services under this Agreement, without written
         approval from Participating Merchants, or (ii) solicit or otherwise
         cause any Participating or Ineligible Merchant to terminate its Service
         that is already directly or indirectly provided by Zoovy, whether or
         not such are provided under the terms of this agreement.

14.      ACCESS TO PARTICIPATING MERCHANTS. Zoovy will have the right to send
         email messages to Participating Merchants that update, educate, and
         inform on new and existing Services. Zoovy will inform Reseller in
         advance, when possible, of future email notifications to Participating
         Merchants.

15.      NO JOINT VENTURE. Reseller and Zoovy both acknowledge that this
         contract does not form the basis of a partnership, joint venture, or
         investment on behalf of either company.

16.      TERM. The initial Term of this Agreement shall be for a period of one
         (1) year commencing on the execution of the Agreement by both parties,
         unless it is terminated earlier by express mutual agreement between the
         parties or pursuant to the provisions below on "Termination." The
         Agreement shall thereafter be automatically renewed for additional
         terms of one (1) year unless either party notifies the other no later
         than sixty (60) days prior to the end of the current term that it does
         not wish to renew this Agreement.

17.      TERMINATION

         17.1     At Will. Either party may terminate this Agreement prior to
                  the expiration of its initial Term (or any subsequent
                  extension thereof) in the terminating party's sole and
                  absolute discretion, with or without cause, by giving sixty
                  (60) days prior written notice of termination to the other
                  party.

         17.2     For Cause. Either party may terminate this Agreement prior to
                  the expiration of its initial Term (or any subsequent
                  extension thereof) immediately upon written notice to the
                  other party (i) if the other party has breached a material
                  promise, obligation, representation, covenant or warranty
                  under the Agreement and has failed to cure that breach within
                  ten (10) business days after receiving written notice of the
                  breach; or (ii) if the other party becomes insolvent, makes
                  any assignment for the benefit of creditors, suspends
                  payments, consents to or suffers the appointment of a
                  receiver, trustee, committee of creditors or liquidating
                  agent, files a petition or otherwise seeks relief under any
                  bankruptcy, insolvency or reorganization statute, or has filed
                  against it an involuntary petition in bankruptcy which remains
                  undismissed or undischarged for a period of thirty (30) days
                  after filing.

         17.3     Effect of Termination at Will. Upon the expiration or
                  Termination At Will of the Agreement, Reseller shall return
                  all marketing materials, CD ROM training materials, price
                  lists, customer lists, and any other Zoovy property in his
                  possession. Reseller shall not continue to use the names and
                  logos of Zoovy after termination.

         17.3.1   In the event that Reseller Terminates At Will, then Zoovy has
                  the right to form an arrangement to invoice the Participating
                  Merchant directly for Zoovy Services, provided the
                  Participating Merchant wishes to continue with the Zoovy
                  Service.

         17.3.2   In the event that Zoovy Terminates At Will, then Zoovy shall
                  not solicit Participating Merchants, and will continue to
                  provide Zoovy Services to existing Participating Merchants
                  under the terms of this Agreement.

         17.4     Effect of Termination for Cause. Upon the Termination For
                  Cause by Reseller of the Agreement due to insolvency of Zoovy,
                  Zoovy shall provide Reseller with the source software code for
                  the Zoovy Services. Upon the Termination For Cause by Zoovy of
                  the Agreement, Zoovy shall have the right to convert the
                  Subscriber Agreements from the Reseller to Zoovy.

18.      ARBITRATION. Any claim or controversy arising out of this Agreement or
         an alleged breach thereof shall be settled by final and binding
         arbitration conducted in San Diego, California pursuant to the
         Commercial Arbitration Rules of the American Arbitration Association.
         All available documents and information relevant to the claim or
         dispute shall be made available to the other party no later than sixty
         (60) days after the demand for arbitration is served, and the
         arbitrator(s) shall permit such other discovery as may be necessary for
         a fair hearing. The arbitrator(s) may award appropriate injunctive
         relief and compensatory damages, but shall not make any award in the
         nature of exemplary or punitive damages. Judgment on the award rendered
         by the arbitrator(s) may be entered in any court of competent
         jurisdiction.

19.      COSTS AND ATTORNEYS FEES. If either party seeks to enforce its rights
         under this Agreement or to construe any provision of the Agreement, all
         costs and expenses reasonably incurred by the prevailing party (who
         shall be the party who obtains substantially the relief sought by such
         party), including, without limitation, arbitration fees, court costs
         and reasonable attorneys' fees.

20.      SUCCESSORS AND ASSIGNS. This Agreement shall be binding upon and inure
         to the benefit of the Parties and their respective heirs, successors,
         and assigns.

21.      ENTIRE AGREEMENT. This Agreement, including the Exhibits annexed
         hereto, contains the entire agreement between the Parties with respect
         to the subject matter hereof, and supersedes and cancels any prior
         agreement or understanding, whether oral or written, between the
         Parties with respect thereto.

         IN WITNESS WHEREOF, and intending to be legally bound, the Parties have
         caused their authorized officers to execute this Agreement by affixing
         their signatures hereto.

         Zoovy, Inc.

         By:   /s/ David Steel                       Date:        1/4/2002
              ------------------------------               ---------------------
         Title:  CEO
                 David Steel

         Reseller

         By:  /s/ Barry L. Shevlin                   Date:        1/4/2002
            ------------------------                       ---------------------
         Title:   V.P.
                  Barry Shevlin

<PAGE>

                                    EXHIBIT A

Zoovy Services.

Services that are included          o        Zoovy e-commerce software and
                                             windows products.
                                    o        Co-branding features including
                                             custom support system and space to
                                             input Reseller logo, toll free
                                             number, and support email address
                                    o        Free Trial Accounts
                                    o        Technical support for Reseller, not
                                             for Participating Merchants
-------------------------------------- -----------------------------------------
Services that are not included      o        Zoovy customer and technical
                                             support for Reseller's
                                             Participating Merchants
-------------------------------------- -----------------------------------------
Custom Reports for Reseller         o        Customized billing and sales
                                             tracking reports
-------------------------------------- -----------------------------------------

Regular Retail Pricing for Services. See Exhibit A-1.

Cost of Zoovy Services to Reseller.

1.       Monthly Fees and Setup Fees - see Exhibit A-2.

3.       Monthly Billing - Monthly billing starts once accounts are sold to
         Participating Merchants and activated.

         a.       Month One Prorata Billing - Month one accounts will be billed
                  at the start of month two according to the following schedule:

                  i.       100% for accounts activated during first 15 days of
                           month; and

                  ii.      50% for accounts activated during last 15 days of
                           month.

         b.       Month Two Billing - Billing for month two will include Month
                  One Prorata ,set-up fee, and prepayment for month two.

         c.       Month Three Billing - Regular billing that will include
                  prepayment for month three.

4.       Price increases - Zoovy may alter its prices. Zoovy will provide
         Reseller at least 60 days advanced notice before the first affected
         billing cycle.

5.       Cancellation Fees - Reseller will provide 30 days notice for
         termination or cancellation of any Participating Merchant following an
         initial 40 day grace period.No set-up fees will be charged for accounts
         cancelled within 40 day grace period.

7.       Minimum Monthly Payment to Zoovy - Reseller commits to paying Zoovy the
         higher of $2,500 per month or the sum of monthly billing.

Other Items.

         From time to time Zoovy, at it's option may run specials designed to
attract specific vertical industries. Provided the Participating Merchant
qualifies, the Reseller will have the ability to purchase the special services,
or account packages at special discounts.

         Resold Services: Zoovy incorporates various services from other
companies into its offering. Zoovy does not make any attempt to brand these
services as it's own. These services are available to Reseller, if desired, and
resell rates will be made available. Reseller can also contract directly with
below companies. The current services that do not qualify for discounting
include:

         Verisign Payment Gateway
         Authorize.Net payment gateway
         Cardservice Merchant Processing Services
         Merchant Processing Services
         Register.com Domain Registration
         Dotster Domain Registration

<PAGE>

Exhibit A-1:                              ZOOVY RETAIL PRICING

                                   Silver Gold
                      Set-up Fee Monthly Set-up Fee Monthly

Zoovy Merchant Packages          $     49.95   $  49.95   $     99.95   $  99.95

options:
Basic Training Program *         $    299.00              $    299.00
We-Build-It Service * (a)        $    699.00              $    699.00
Domain Redirect                  $     25.00   $   4.95      included
Quickbooks Integration           $     25.00   $   9.95      included
Rules Based Shipping                   included              included

* Includes basic set-up fee

Zoovy Developer                  $     49.95   $  49.95   $     99.95   $  99.95

options:
Basic Training Program *         $    299.00              $    299.00
We-Build-It Service *(#) (a)     $    699.00   $  20.00   $    699.00   $  20.00
Quickbooks Integration           $     25.00   $   9.95      included
Rules Based Shipping                included                 included

* Includes basic set-up fee
# We-Build-It service requires that Zoovy host client's catalog. Normal hosting
fee of $20.00 per month. (a) $699.00 service based on 10 hours
development/training time. Some sites require extra hours.

Zoovy Hybrid Developer            $    59.95   $  59.95   $    109.95    $109.95

options:
Basic Training Program *          $   299.00              $    299.00
We-Build-It Service *(#) (a)      $   699.00   $  20.00   $    699.00   $  20.00
Quickbooks Integration            $    25.00   $   9.95      included
Rules Based Shipping                included                 included

* Includes basic set-up fee
# We-Build-It service requires that Zoovy host client's catalog. Normal hosting
fee of $20.00 per month. (a) $699.00 service based on 10 hours
development/training time. Some sites require extra hours.

<PAGE>

Exhibit A-2:                             Cost of Zoovy Services to Reseller

<TABLE>
<CAPTION>
                                                      Silver                            Gold
                                             Set-up Fee       Monthly        Set-up Fee      Monthly
<S>                                        <C>            <C>             <C>            <C>
Zoovy Merchant Packages
0-499 cumulative active accounts           $       20.00  $     25.00     $       20.00  $        50.00
500-999                                    $       15.00  $     20.00     $       15.00  $        40.00
1000-1999                                  $       10.00  $     15.00     $       10.00  $        30.00
2000+ accounts                             $        5.00  $     10.00     $        5.00  $        20.00
Auction Integration per closed auction                    50% discount                   50% discount
MarketPlace Fees                                               TBD*                             TBD*

Zoovy Developer
0-499 cumulative active accounts           $       20.00  $     25.00     $       20.00  $        50.00
500-999                                    $       15.00  $     20.00     $       15.00  $        40.00
1000-1999                                  $       10.00  $     15.00     $       10.00  $        30.00
2000+ accounts                             $        5.00  $     10.00     $        5.00  $        20.00
Auction Integration per closed auction                    50% discount                   50% discount
MarketPlace Fees                                               TBD*                             TBD*

Zoovy Hybrid Developer
0-499 cumulative active accounts           $       20.00  $     30.00     $       20.00  $        55.00
500-999                                    $       15.00  $     25.00     $       15.00  $        45.00
1000-1999                                  $       10.00  $     20.00     $       10.00  $        35.00
2000+ accounts                             $        5.00  $     15.00     $        5.00  $        25.00
Auction Integration per closed auction                    50% discount                   50% discount
MarketPlace Fees                                               TBD*                             TBD*
options:

Quickbooks Integration                     $       10.00  $      3.00           included       included
Multimedia Training Materials              $       10.00 plus shipping    $       10.00 plus shipping

Note:
Maximum Storage Space (Mb)                                             50                                100
Number Items                                                    up to 500                          unlimited
Number Transactions per month                                   up to 500                    free up to 1000
                                                                                            ($0.05 each over
                                                                                                       1000)
</TABLE>

                                         * Pricing will be determined as new
Zoovy Marketplaces are added.

NOTE:
1) Minimum monthly fees to Zoovy are       $       2,500 Per month
2) Pricing on volume brackets are non-retro active.

                                    EXHIBIT B
                          (See Section 10: Trademarks)

         Reseller shall have permission to use the following service marks in
preparing literature necessary to solicit new Merchants.

1.       Zoovy BronzeSM
2.       Zoovy SilverSM
3.       Zoovy Gold SM

         Reseller shall identify correctly the trademarks and service marks of
Zoovy in those materials or pages as required by Zoovy from time to time.
Service marks of Zoovy include but are not limited to:

1.       Zoovy(TM)
2.       Zoovy Merchant(TM)
3.       Zoovy Developer(TM)
4.       Zoovy FastTrack(TM)
5.       Zoovy Marketplaces(TM)
6.       Powered by Zoovy(TM)
7.       Do you Zoovy?(TM)

         Reseller shall bear all expenses related to the printing of custom
advertising or collateral describing the Services. In no instance shall the
Zoovy name become a generic name or any of the Zoovy products, including,
without limitation, the Services, become a Reseller or generic product, or
reference a grouping of similar products. Reseller shall not rename the
Services. Reseller shall sell the Services only under the Zoovy trademarks.
Reseller shall discharge its responsibilities in a professional manner as
determined by Zoovy in its sole discretion.

         Reseller shall have permission to use the Zoovy logo on its own
advertising, and partner page, provided the Zoovy Logo guidelines are explicitly
adhered to. In the event the guidelines are changed or altered, the Reseller
will have thirty (30) days to have materials become compliant.

         Resellers are encouraged to have all materials approved by Zoovy prior
to production or distribution.

         The Zoovy Logo guidelines, as well as master copies of the Art will be
provided after the execution of this agreement.

<PAGE>

                                    Exhibit C
                                Marketing Program

                  To be developed with First National Data BankExhibit 10(ii)

                               RESELLER AGREEMENT

         AGREEMENT made this 24th day of January, 2002, by and between First
National Data Bank, Inc., a Florida Corporation, with offices located at 989
Georgia Ave., Palm Harbor, FL 34684 (the "Purchaser") and NetMerchant, Inc., a
Delaware Corporation, located in Shreveport, LA (the "Seller").

                               W I T N E S S E T H

         WHEREAS, Seller is engaged in a business (the "Business") which
promotes a business related website.

; and

         WHEREAS, Purchaser desires to purchase from Seller, and Seller desires
to sell to Purchaser, on the terms and conditions herein set forth and in
consideration of the premises and the mutual promises and covenants contained
herein, the parties agree as follows:

                                    ARTICLE I

                          PURCHASE OF NETMERCHANT, INC.

         1.1 Purchase of NetMerchant, Inc. Based upon the representations,
warranties and agreements herein contained and subject to the terms and
conditions set forth in this Agreement, Seller agrees to sell to Purchaser, all
issued and outstanding shares of NetMerchant, Inc. which will include the
("Purchased Assets") listed in Schedule A, as provided for in Section 2.1.

                                   ARTICLE II

                                 PURCHASE PRICE

         2.1 Purchase Price. In consideration for the transfer of the Purchased
Assets, as provided for in Section 7.2, Purchaser shall pay to the Seller a
total of Thirty-two Thousand ($32,000) Dollars ("Initial Purchase Price"),
subject to adjustment as provided below ("Adjusted Purchase Price"), to be paid
as follows:

         (a)      Twelve equal installments of One Thousand ($1,000) Dollars
                  ("Installment Period") payable monthly on the fifteenth of
                  each month, with the first installment being paid on or before
                  January 30, 2002 and the last payment being paid by December
                  15, 2002.

         (b)      A balloon payment of Twenty Thousand ($20,000) Dollars
                  ("Balloon Payment") payable on or before the one year
                  anniversary of this Agreement.

         2.2 Adjustments to Purchase Price. The Initial Purchase Price is
subject to the following adjustments:

         (a)      Purchaser shall have the absolute right to prepay the Purchase
                  Agreement Price at any time during the next twelve months.

         (b)      In the event the Purchaser prepays the Balloon Payment, all
                  remaining installments described in 2.1(a) are immediately
                  cancelled and the Purchase Price shall be adjusted
                  accordingly.

Page 1                                Initials:  Purchaser______    Seller______
<PAGE>

         By way of example, in the event Purchaser elects to prepay the Balloon
         Payment after the payment of six installments, the adjusted purchase
         price shall be equal to Twenty-six Thousand ($26,000) Dollars and the
         Purchaser shall not be obligated to pay any additional installments to
         the Seller.

                                   ARTICLE III

                     PURCHASER'S NON-ASSUMPTION OF LIABILITY

         3.1 Purchaser's Non-Assumption of Liabilities. The Purchaser shall not
assume or become liable for any of Seller's obligations, liabilities, debts,
contracts or other commitments of any kind whatsoever, known or unknown, fixed
or contingent, for all of which Seller shall remain obligated. Without limiting
the effect of the preceding sentence, it is expressly agreed that Purchaser
shall not assume or become liable for any of the following debts, liabilities or
obligations of Seller:

         (a)      Any liabilities or obligations under contracts, leases or
                  agreements that are not specifically assigned to and assumed
                  by Purchaser;

         (b)      Any debt, liability or obligation existing on the Closing Date
                  which would constitute a breach of any representation,
                  warranty or covenant made by Seller herein;

         (c)      The expenses of Seller incurred in connection with or
                  resulting from the transactions contemplated by this
                  Agreement;

         (d)      Any liability by reason of or for any default, breach or
                  penalty under any contract, lease or agreement occurring or
                  arising prior to closing;

         (e)      Accounts payable except as otherwise expressly provided
                  herein;

         (f)      Federal, State or local income, franchise, property, sales,
                  value-added, employment or other taxes;

         (g)      Worker's Compensation claims relating to employment prior to
                  the Closing Date;

         (h)      Any severance pay that may be due or owing to employees of
                  Seller as of the Closing Date.

                                   ARTICLE IV

                      SELLER'S NON-ASSUMPTION OF LIABILITY

         4.1 Seller's Non-Assumption of Liabilities. The Seller shall not assume
or become liable for any of Purchaser's obligations, liabilities, debts,
contracts, legal disputes or other commitments of any kind whatsoever, known or
unknown, fixed or contingent, for all of which Purchaser shall remain obligated.
Without limiting the effect of the preceding sentence, it is expressly agreed
that Seller shall not assume or become liable for any of the following legal
disputes, debts, liabilities or obligations of Purchaser:

         (a)      Any liabilities or obligations under contracts, leases or
                  agreements that are not specifically assigned to and assumed
                  by Seller;

Page 2                                Initials:  Purchaser______    Seller______
<PAGE>

         (b)      Any debt, liability or obligation existing on the Closing Date
                  which would constitute a breach of any representation,
                  warranty or covenant made by Purchaser herein;

         (c)      The expenses of Purchaser incurred in connection with or
                  resulting from the transactions contemplated by this
                  Agreement;

         (d)      Any liability by reason of or for any default, breach or
                  penalty under any contract, lease or agreement occurring or
                  arising prior to or after closing;

         (e)      Accounts payable except as otherwise expressly provided
                  herein;

         (f)      Federal, State or local income, franchise, property, sales,
                  value-added, employment or other taxes;

         (g)      Worker's Compensation claims relating to employment prior to
                  or after the Closing Date;

         (h)      Any severance pay that may be due or owing to employees of
                  Purchaser prior to or after Closing Date.

         (i)      Any legal dispute that may arise during the Installment Period
                  or after the final Balloon Payment, resulting from the
                  Purchaser's use of the name NetMerchant and the use of the 5
                  domain names listed in Schedule A.

         4.2 Clarification to Section 4.1(i). it is agreed that any challenge by
any third party of the Purchaser's use of the Service Mark "NETMERCHANT" will be
defended by and at the expense of the Purchaser during the Installment Period
and after the final Balloon Payment.

                                    ARTICLE V

                   REPRESENTATIONS AND WARRANTIES OF PURCHASER

         Purchaser represents and warrants to Seller, as follows:

         5.1 Organization. Purchaser is a corporation duly organized, validly
existing and in good standing under the laws of the State of Florida.

         5.2 Authorities, Etc. Purchaser has full power and authority to enter
into this Agreement and to carry out the transactions contemplated hereby. The
Board of Directors of the Purchaser has taken all action required by law, its
Certificate of Incorporation, its By-laws, or otherwise, to authorize the
execution and delivery of this Agreement and the consummation of the
transactions contemplated hereby. This Agreement has been duly and validly
authorized, executed and delivered by Purchaser and no other corporate action by
it is necessary. This Agreement is a valid and binding obligation of Purchaser
enforceable against it in accordance with its terms.

         5.3 No Violation. Neither the execution and delivery of this Agreement
nor the consummation of the transactions contemplated hereby will (a) violate
any provisions of the Certificate of Incorporation or by-laws of the Purchaser;
(b) violate, conflict with or result in the breach or termination of, or
otherwise give any other contracting party the right to terminate, or be an
event which, after the giving of notice or the passage of time or both, would
constitute a default under the terms of, any agreement or instrument to which

Page 3                                Initials:  Purchaser______    Seller______
<PAGE>

Purchaser is a party or by which Purchaser or its properties or assets may be
bound which, either separately or in the aggregate, would materially and
adversely affect its business, operations or financial condition; or (c) violate
any judgment, order, injunction, decree or award against or binding upon
Purchaser or upon the assets or business of Purchaser, or any law or regulation
relating to Purchaser.

         5.4 Disclosure. Neither this Agreement nor any schedule or document
delivered by or on behalf of Purchaser in connection with the transactions
contemplated hereby contains any untrue statement of a material fact or omits to
state material fact necessary to make the statements herein and therein made, in
light of the circumstances under which they were made, not misleading.

                                   ARTICLE VI

                    REPRESENTATIONS AND WARRANTIES OF SELLER

         Seller represents and warrants to Purchaser, as follows:

         6.1 Organization. Seller is a corporation duly organized, validly
existing and in good standing under the laws of the State of Delaware.

         6.2 Authority, Etc. Seller has the full right, power and authority to
enter into this Agreement and to carry out the transactions contemplated hereby.
This Agreement has been duly and validly authorized, executed and delivered by
Seller and no other corporate action by it is necessary. This Agreement is a
valid and binding obligation of Seller enforceable against it in accordance with
its terms.

         6.3 Effect of Agreement. Neither Seller's execution and delivery of
this Agreement, or Seller's consummation of the transactions contemplated
hereby, will (i) violate any provision of Seller's Certificate of Incorporation
or By-Laws, (ii) violate, conflict with or result in the breach or termination
of, or otherwise give any other contracting party the right to terminate, or be
an event which, after the giving of notice or the passage of time or both, would
constitute a default under the terms of, any agreement or instrument to which
Seller is a party or by which Seller or its properties or assets may be bound
which, either separately or in the aggregate, would materially and adversely
affect its business, operations or financial condition, (iii) result in the
creation of any lien, charge or encumbrance upon the properties or assets of
Seller pursuant to the terms of any such agreement or instrument, or (iv)
violate any judgment, order, injunction, decree or award against or binding upon
Seller or upon the assets or business of Seller, or any law or regulation
relating to Seller.

         6.4 Litigation. There is no litigation, governmental or administrative
proceeding, investigation, claim, complaint, or accusation, formal or informal,
pending, either in court or otherwise or before any administrative board,
agency, or commission, or any arbitration pending, or are any of the foregoing
threatened, relating to Seller, its properties, licenses and/or business
(hereinafter "Legal Proceedings"); nor does Seller know, or have reasonable
grounds to know, of any reasonable basis for any such action, arbitration, or
governmental proceeding or investigation relative thereto.

         6.5 Trade names, Trademarks and Copyrights. All such Proprietary Rights
listed on Schedule A are valid and in good standing, do not knowingly conflict
with the rights of any other person, firm or entity, are subject to no liens,
charges, claims or restrictions and are adequate and sufficient to permit Seller
to conduct the Business as presently being conducted. No rights under any other
Proprietary Rights are required by Seller in connection with the conduct of
Business as presently conducted. Seller has full right to use its corporate name
and Seller does not know of any conflict or claimed conflict with respect to its
use of its Proprietary Rights. For purposes of this Agreement "Proprietary
Rights" means patents, trademarks, trade names, copyrights, service marks or
logos.

Page 4                                Initials:  Purchaser______    Seller______
<PAGE>

         6.6 Representations and Warranties at Closing. Except as expressly
herein otherwise provided, the representations and warranties of Seller set
forth in this Agreement shall be true on and as of the Closing Date as though
such representations and warranties were made on and as of such time.

         6.7 State Taxing Authorities. No filing with or approval of any State
taxing authority is required in order to consummate the transactions
contemplated by this Agreement.

Page 5                                Initials:  Purchaser______    Seller______
<PAGE>

                                  ARTICLE VII

                                     CLOSING

         7.1 Date. The closing shall occur on January 25th, 2002 or such other
date as may be agreed to by the parties.

         7.2 Transfer of Assets. Upon Closing, Seller will re-direct domain
names to Purchaser's DNS Servers and modify the domain record technical contact
to Purchaser's designated technical contact. Seller authorizes the Purchaser to
use the name NetMerchant and have exclusive use of the domain names listed on
Schedule A, during the Installment Period. Upon receipt of Balloon Payment,
Seller will transfer ownership of all assets listed on Schedule A to Purchaser.

         7.3 Use of Name. Seller agrees to discontinue use of the name
NetMerchant during the Installment Period and after the Balloon Payment.

         7.4 Other Documents. The parties shall each deliver to the other such
other documents as are necessary to satisfy the conditions set forth in this
Agreement.

                                  ARTICLE VIII

                          INDEMNIFICATION BY PURCHASER

         8.1 Indemnification by Purchaser. Purchaser shall indemnify Seller
against and hold it harmless from any and all liabilities, loss, claims,
counterclaims, cross-claims, set-offs, recoupments, damages and expenses
whatsoever, including, without limitation, all attorneys' fees and other costs
and expenses of litigation (hereinafter in this Section 8.1 "Loss") that Seller
may at any time suffer or incur by reason of (i) Purchaser's failure to pay,
discharge or perform any and all liabilities and obligations incurred or arising
from actions of Purchaser after the Closing Date pertaining in any way or
affecting the Purchased Assets that are not expressly assumed by Seller under
this Agreement; (ii) Seller's defense of any claim, suit or proceeding made or
commenced against it arising out of any liability or obligation of Purchaser
that is not expressly assumed by Seller hereunder; and (iii) any material
breaches of or inaccuracies in the agreements, covenants, representations and
warranties made by Purchaser in or pursuant to this Agreement.

Without limitation of the foregoing undertakings by Purchaser in this Article
VIII, Purchaser shall further indemnify Seller against and hold it harmless from
any and all loss that Seller may at any time suffer or incur by reason of
Purchaser's failure for whatever reason to pay, discharge or perform any and all
judgments, liabilities or obligations that may arise out of or relate in any
manner to the pending proceedings and actions against Purchaser, if any, and all
new proceedings or actions based upon, or in any way arising out of or related
to any of the facts or claims alleged in any of said pending proceedings and
actions and existing at any time after the Closing Date.

         8.2 Duration of Indemnification. Any claim for indemnification under
this Article VIII shall be asserted within one (1) year following the closing
date.

Page 6                                Initials:  Purchaser______    Seller______
<PAGE>

                                   ARTICLE IX

                            INDEMNIFICATION BY SELLER

         9.1 Indemnification by Seller. Seller shall indemnify Purchaser against
and hold it harmless from any and all liabilities, loss, claims, counterclaims,
cross-claims, set-offs, recoupments, damages and expenses whatsoever, including,
without limitation, all attorneys' fees and other costs and expenses of
litigation (hereinafter in this Section 9.1 ("Loss") that Purchaser may at any
time suffer or incur by reason of (i) Seller's failure to pay, discharge or
perform any and all liabilities and obligations incurred or arising from actions
of Seller prior to the Closing Date pertaining in any way or affecting the
Purchased Assets that are not expressly assumed by Purchaser under this
Agreement; (ii) Purchaser's defense of any claim, suit or proceeding made or
commenced against it arising out of any liability or obligation of Seller that
is not expressly assumed by Purchaser hereunder; (iii) failure of Seller to
comply with the provisions of any tax statute relating to notice of the sale of
assets hereunder and payment of taxes due upon such sale. (iv) any unpaid taxes
due and owing by Seller; and (v) any material breaches of or inaccuracies in the
agreements, covenants, representations and warranties made by Seller in or
pursuant to this Agreement.

Without limitation of the foregoing undertakings by Seller in this Article IX,
Seller shall further indemnify Purchaser against and hold it harmless from any
and all loss that Purchaser may at any time suffer or incur by reason of
Seller's failure for whatever reason to pay, discharge or perform any and all
judgments, liabilities or obligations that may arise out of or relate in any
manner to the pending proceedings and actions against Seller, if any, and all
new proceedings or actions based upon, or in any way arising out of or related
to any of the facts or claims alleged in any of said pending proceedings and
actions and existing at any time prior to the Closing Date.

         9.2 Duration of Indemnification. Any claim for indemnification under
this Article XI shall be asserted within one (1) year following the closing
date.

                                    ARTICLE X

                                FEES AND DEFAULT

         10.1 Late fee and NSF Checks. A ten percent (10%) late fee will be
charged on all installment payments past due and not received by the 25th day of
the month. A twenty-five dollar ($25) additional charge will be assessed for all
returned (NSF) checks.

         10.2 Default. In the event the Purchaser should fail to pay any monthly
installment by the past due date, the Seller will notify the Purchaser with a
written notice giving Purchaser thirty (30) days to pay past due installment
plus late fee or Seller shall have the option to terminate this Purchase
Agreement and re-take possession of all domain names.

In the event the Purchaser should fail to pay Balloon Payment by the due date,
the Seller will notify the Purchaser with a written notice giving Purchaser
thirty (30) days to make Balloon Payment or Seller shall have the option to
terminate this Purchase Agreement, and re-take possession of all domain names.

Page 7                                Initials:  Purchaser______    Seller______
<PAGE>

                                   ARTICLE XI

                            MISCELLANEOUS PROVISIONS

         11.1 Finders and Brokers. Each party hereby represents and warrants to
the other that neither it nor its representatives have taken, nor will they
take, any action that would cause the other party to have any obligation or
liability to any person for any finders' fees, brokerage fees, agents'
commissions, or like payments in connection with the transactions contemplated
hereby. Each party shall indemnify and hold harmless the other from any claim
that is asserted by any person for a finder's fee or like payment with respect
to this Agreement arising from any act, representation or promise of the
indemnifying party or its representative.

         11.2 Amendment. Subject to applicable law, this Agreement may only be
amended or supplemented by written agreement of the parties.

         11.3 Expenses: Attorneys' Fees. Whether or not the transactions
contemplated by this Agreement are consummated, each party shall pay all
expenses incurred by it or on its behalf in connection with this Agreement or
any transaction contemplated hereby.

         11.4 Survival of Representations and Warranties. All representations
warranties and agreements made by Seller or Purchaser in this Agreement or
pursuant hereto shall survive the Closing, and all statements contained in any
certificate, list schedule or other instrument delivered by Seller or Purchaser
pursuant to this Agreement shall be deemed representations and warranties of
such party.

         11.5 Notices. All notices, demands, and other communications required
or permitted hereunder shall be made in writing and shall be deemed to have been
duly given if delivered by hand, against receipt, or mailed, postage prepaid,
certified or registered mail, return receipt requested, and if addressed to:

         Seller at:                 815 Elmdale St.
                                    Shreveport, LA 71118
                                    318-688-0278

         and if to Purchaser:       989 Georgia Ave.
                                    Palm Harbor, FL 34684
                                    727-258-0017

         with a copy to:            Joel Schneider
                                    595 Stewart Avenue, Suite 710
                                    Garden City, NY  11530
                                    516-228-8181

Notice of change of address shall be effective only when done in accordance with
this Section. All notices complying with this Section shall be deemed to have
been received on the date of delivery or on the fourth business day after
mailing.

         11.6 Assignment, Successors and Assigns. Except as otherwise provided
herein, each party agrees that it will not assign, sell, transfer, delegate, or
otherwise dispose of, whether voluntarily or involuntarily, or by operation of
law, any right or obligation under this Agreement. Purchaser may, with the
consent of Seller, assign this Agreement to a limited partnership or corporation
formed for the purpose of carrying out the acquisition provided for in this
agreement. Any purported assignment, transfer, or delegation in violation of

Page 8                                Initials:  Purchaser______    Seller______
<PAGE>

this Section shall be null and void. Subject to the foregoing limits on
assignment and delegation, this Agreement shall be binding upon and shall inure
to the benefit of the parties and their respective successors and assigns.
Except for those enumerated above, this Agreement does not create, and shall not
be construed as creating, any rights or claims enforceable by any person or
entity not a party to this Agreement.

         11.7 Governing Law. The validity, interpretation, enforceability, and
performance of this Agreement shall be governed by and construed in accordance
with the law of the State of Louisiana.

         11.8 Counterparts. This Agreement may be executed in counterparts, each
of which shall be deemed as original, but all of which together shall constitute
one and the same instrument.

         11.9 Headings. The headings of the Sections and Articles of this
Agreement and Table of Contents are for reference purposes only and shall not
constitute a part hereof or affect the meaning or interpretation of this
Agreement.

         11.10 Entire Agreement. The parties intend that the terms of this
Agreement, including the Schedules and other documents referred to herein, shall
be the final expression of their agreement with respect to the subject matter
hereof and may not be contradicted by evidence of any prior or contemporaneous
agreement. The parties further intend that this Agreement shall constitute the
complete and exclusive statement of its terms and that no extrinsic evidence
whatsoever may be introduced in any judicial, administrative, or other legal
proceeding involving this Agreement.

         11.11 Schedules. The Schedules constitute part of this Agreement; each
reference to this Agreement shall include a reference to the Schedules; and each
reference to a Section of this Agreement shall be a reference to the
corresponding Schedule.

         11.12 Severability. If any provision of this Agreement, or the
application thereof to any person or entity, place, or circumstance, shall be
held by a court of competent jurisdiction to be invalid, unenforceable, or void,
the remainder of this Agreement and such provisions as applied to other persons
or entities, places, and circumstances shall remain in full force and effect.

         IN WITNESS WHEREOF, the parties have caused this Agreement to be
executed by their duly authorized representatives the date first above written.

                                      First National Data Bank, Inc.
                                      ---------------------------------------
                                      (Purchaser)

                                      By:   /s/ Barry L. Shevlin
                                          -----------------------------------
                                           Barry L. Shevlin, COO

                                      NetMerchant, Inc.
                                      ---------------------------------------
                                      (Seller)

                                      By:   /s/ Michael Bowen
                                          -----------------------------------
                                           Michael Bowen, President

Page 9                                Initials:  Purchaser______    Seller______
<PAGE>

                          Schedule A - Purchased Assets

1500 shares of common stock of NetMerchant, Inc., a Delaware Corporation,
representing all of the issued and outstanding shares of NetMerchant, Inc.

The registered Service Mark for NETMERCHANT (Registration # 2074745, US Patent
and Trademark Office) The following domain names:

        NetMerchant.com
        NetMerchant.org
        NetMerchant.info
        NetMerchant.biz
        NetMerchant.tv

Page 10                               Initials:  Purchaser______    Seller______

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