Document:

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                                                                   EXHIBIT 10.14

                           ZLAND AUSTRALIA PTY LIMITED

               THE PERSON OR CORPORATION SPECIFIED IN THE SCHEDULE

                         FRANCHISE AND AGENCY AGREEMENT

                               (C)SWAAB ATTORNEYS
                                   Swaab House
                          Level 5, 12 O'Connell Street
                                 SYDNEY NSW 2000

                                  DX 522 SYDNEY

                            Telephone: (02) 9233 5544
                            Facsimile: (02) 9233 5400

                            Email: mail@swaab.com.au

                              Reference: RHB:991126
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                                      INDEX
<TABLE>
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1. DEFINITIONS AND INTERPRETATION.........................................   1
   1.1 Definitions........................................................   1
   1.2 Interpretation.....................................................   5

2. GRANT OF FRANCHISE.....................................................   6
   2.1 Appointment of Franchisee..........................................   6
   2.2 Franchisor's Agent.................................................   6
   2.3 Obligations of Franchisor..........................................   7

3. COOLING OFF, COMMENCEMENT, TERMINATION AND RENEWAL.....................   7
   3.1 Cooling Off........................................................   7
   3.2 Initial Term.......................................................   7
   3.3 Renewal............................................................   7
   3.4 Terms of Renewal Agreement.........................................   7

4. PRECONDITIONS..........................................................   8
   4.1 Preliminary Obligations............................................   8
   4.2 Obligations Upon Execution.........................................   8
   4.3 Termination........................................................   8

5. TERRITORY..............................................................   8
   5.1 Exclusive Territory................................................   8
   5.2 Exception to Territory.............................................   8
   5.3 Specific Territory.................................................   8

6. CUSTOMER MANAGEMENT....................................................   9
   6.1 Franchisor Obligation..............................................   9
   6.2 Exceptions.........................................................   9
   6.3 Enquiries from Outside the Territory...............................   9

7. PAYMENT OBLIGATIONS....................................................   9
   7.1 Franchise Fee......................................................   9
   7.2 National Advertising  Fee..........................................   9
   7.3 Renewal Fee........................................................  10
   7.4 Late Payments......................................................  10

8. THE CODE...............................................................  10
   8.1 Compliance.........................................................  10
   8.2 Termination........................................................  10
   8.3 Effect.............................................................  10

9. INTELLECTUAL PROPERTY..................................................  10
   9.1 Use of Intellectual Property.......................................  10
   9.2 Franchisor Retains Title To Property...............................  11
   9.3 Restriction On Use Of Intellectual Property........................  11
   9.4 Damages and Costs..................................................  11
   9.5 Franchisee To Comply With Franchisor Directions....................  12
   9.6 Title To Trademarks................................................  12
   9.7 Franchisee To Use Business Name....................................  12
   9.8 Discontinuance On Default..........................................  12
   9.9 Franchisee Not To Assign Name......................................  12

10. NATIONAL MARKETING FUND...............................................  12
   10.1 The Fund..........................................................  12
   10.2 Objectives........................................................  12
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<TABLE>
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   10.3 Appointment of Franchisor.........................................  13
   10.4 The Code..........................................................  13

11. FRANCHISEE'S MARKETING/ADVERTISING OBLIGATIONS........................  13
   11.1 Promotion.........................................................  13
   11.2 Internet Advertising..............................................  13
   11.3 Franchisor to Approve Marketing Material..........................  13
   11.4 Franchisee Indemnity..............................................  14

12. TRAINING AND SUPPORT..................................................  14
   12.1 Initial Training Program..........................................  14
   12.2 Additional Training...............................................  14
   12.3 Franchisee Solely Responsible.....................................  14
   12.4 Employees To Be Trained...........................................  14
   12.5 Additional Assistance.............................................  15
   12.6 Costs and Expenses................................................  15

13. COMPANY STORE ARRANGEMENTS............................................  15
   13.1 Franchisor May Enter..............................................  15
   13.2 Franchisee Obligation.............................................  15
   13.3 Apportionment of Fees.............................................  15
   13.4 Assignment of Contract............................................  15

14. OPERATING THE FRANCHISED BUSINESS.....................................  15
   14.1 Franchisee To Conduct Franchised Business.........................  15
   14.2 Minimum Work Commitment...........................................  16
   14.3 Business Sole Undertaking.........................................  16
   14.4 Competition;  Other Business......................................  16
   14.5 Other Products and Services.......................................  16
   14.6 Employee Requirements.............................................  16
   14.7 Exclusivity.......................................................  17
   14.8 Independent Contractors...........................................  17
   14.9 Liability for Independent Contractors and Employees...............  17
   14.10 Franchisee To Obtain Permits And Licences........................  17
   14.11 Franchisee Advertising / Marketing Standards.....................  17
   14.12 Premises.........................................................  18
   14.13 Equipment........................................................  18
   14.14 Business System and Services.....................................  18
   14.15 Accepting Business...............................................  19
   14.16 Franchisee Meetings..............................................  19

15. OPERATING STANDARDS...................................................  19
   15.1 Not Hold Itself Out...............................................  19
   15.2 Operating Standards...............................................  19
   15.3 Disputes..........................................................  20

16. ACCOUNTING AND INVOICE................................................  20
   16.1 Responsibility For Invoicing......................................  20
   16.2 No Other Products Invoiced........................................  20
   16.3 Accounting to the Franchisee......................................  20
   16.4 Commissions.......................................................  21
   16.5 GST...............................................................  21

17. AUDIT RIGHTS..........................................................  21
   17.1 Franchisee's Rights...............................................  21
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<TABLE>
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   17.2 Franchisor's rights...............................................  21

18. RECORD KEEPING AND REPORTING..........................................  21
   18.1 Business Records..................................................  21
   18.2 Records...........................................................  21
   18.3 Franchisee to Provide Reports.....................................  22
   18.4 Inspection of Records.............................................  22
   18.5 Costs of Inspection...............................................  22

19. THIRD PARTY INTEREST..................................................  23
   19.1 No Encumbrances...................................................  23

20. PERFORMANCE STANDARD..................................................  23
   20.1 Comparison........................................................  23
   20.2 Performance Requirement...........................................  23

21. CORRECTION OF DEFECTS.................................................  24
   21.1 The Franchisor's Obligation To Correct Or Replace Defects.........  24
   21.2 Franchisor to Correct.............................................  24
   21.3 Correction Of Defects.............................................  24

22. WARRANTIES............................................................  24
   22.1 By the Franchisee.................................................  24
   22.2 By the Franchisor.................................................  25
   22.3 Scope of Warranty.................................................  25
   22.4 Warranties Not Included...........................................  25

23. LIMITATION OF LIABILITY...............................................  26
   23.1 The Franchisor Not Responsible....................................  26
   23.2 Implied Warranties Excluded.......................................  26
   23.3 Exclusion Of Damages..............................................  26
   23.4 Severability Of Actions...........................................  26

24. INDEMNITIES...........................................................  26
   24.1 Indemnity of Franchisee...........................................  26
   24.2 Limitation Of Indemnity...........................................  27
   24.3 Indemnity of Franchisor...........................................  27
   24.4 Proceedings.......................................................  27

25. MANUALS / CONFIDENTIALITY.............................................  28
   25.1 Franchisor May Develop Manuals....................................  28
   25.2 Amendments and Updates............................................  28
   25.3 Franchisee To Comply With Manuals.................................  28
   25.4 Manual is Confidential............................................  28
   25.5 Confidentiality...................................................  28

26. INSURANCE.............................................................  29
   26.1 Franchisee Insurance..............................................  29
   26.2 Certificates of Currency..........................................  29
   26.3 Franchisor May Require Increased Limits...........................  29

27. ASSIGNMENT............................................................  29
   27.1 Franchisor May Assign.............................................  29
   27.2 Franchisee May Not Assign Without Consent.........................  29
   27.3 Disposal Where Underlying Interests Change........................  30
   27.4 First Refusal.....................................................  30
   27.5 Right of Sale.....................................................  31
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<TABLE>
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28. DEFAULT...............................................................  31
   28.1 Events of Default.................................................  31

29. TERMINATION...........................................................  32
   29.1 Termination by Franchisor.........................................  32
   29.2 Termination by Franchisee.........................................  32
   29.3 Cross Default.....................................................  32

30. CONSEQUENCES OF TERMINATION...........................................  33
   30.1 Payment of Accounts...............................................  33
   30.2 Return Materials..................................................  33
   30.3 Transfer Registrations............................................  33

31. RESTRAINTS............................................................  33
   31.1 Restraint Covenants...............................................  33
   31.2 Deemed Conduct of Business........................................  34
   31.3 Non Solicitation..................................................  34
   31.4 Non-Enticement....................................................  34
   31.5 Restraints Reasonable.............................................  34
   31.6 Validity..........................................................  34

32. RELATIONSHIP BETWEEN THE PARTIES......................................  34

33. DISPUTE RESOLUTION....................................................  35
   33.1 Procedure.........................................................  35
   33.2 Other Remedies....................................................  36
   33.3 Not to Affect Termination Rights..................................  36

34. NOTICES...............................................................  36
   34.1 Method of Giving Notices..........................................  36
   34.2 Time of Receipt...................................................  36
   34.3 Address of Parties................................................  36

35. LAW AND JURISDICTION..................................................  37
   35.1 Governing Law.....................................................  37
   35.2 Submission to Jurisdiction........................................  37

36. GENERAL...............................................................  37
   36.1 Franchisee to Pay Franchisor's Costs..............................  37
   36.2 Continuing Obligations............................................  37
   36.3 No Set-Off........................................................  37
   36.4 Unenforceable Parts Severable.....................................  37
   36.5 Amendment.........................................................  37
   36.6 Counterparts......................................................  37
   36.7 Attorneys.........................................................  38
   36.8 Waiver............................................................  38
   36.9 Further Assurance.................................................  38
   36.10 Force Majeure....................................................  38
   36.11 Entire Agreement.................................................  38
   36.12 Time.............................................................  38

SCHEDULE INFORMATION......................................................  40

ANNEXURE A COMPLIANCE DOCUMENTS...........................................  41

CERTIFICATE OF INDEPENDENT LEGAL ADVISOR..................................  44
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<TABLE>
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CERTIFICATE OF INDEPENDENT BUSINESS ADVISOR...............................  45

CERTIFICATE OF INDEPENDENT FINANCIAL ADVISOR..............................  46

ANNEXURE B................................................................  48

FRANCHISEE'S NON DISCLOSURE AGREEMENT.....................................  48

ANNEXURE C MANUAL.........................................................  56

ANNEXURE D OTHER PARTY NON DISCLOSURE AGREEMENT...........................  57
</TABLE>

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THIS AGREEMENT is made on        2000

PARTIES

1.       ZLAND AUSTRALIA PTY LTD (ACN 085 819 067) of Level 9, 54 Miller Street,
         North Sydney, New South Wales 2060 (FRANCHISOR).

2.       The person or corporation specified in Item 1 of the Schedule
         (FRANCHISEE).

RECITALS

A.       The Franchisor is the owner of or has the right to licence a suite of
         Internet-based business systems marketed under the Trade Marks and
         Corporate Image in accordance with methodologies and the Manual
         developed by the Franchisor.

B.       The Franchisor has developed a business model using such business
         system which it wishes to franchise.

C.       The Franchisor wishes to grant to the Franchisee, and the Franchisee
         has accepted, the Franchise to operate the Franchised Business subject
         to the terms and conditions of this Agreement.

OPERATIVE PROVISIONS

1.       DEFINITIONS AND INTERPRETATION

1.1      DEFINITIONS

         In this Agreement unless the context otherwise requires or permits:

         ACCOUNTS means the accounts of the Franchisor with respect to the Gross
         Fees.

         ACCOUNTING MONTH means each consecutive period of 1 calendar month
         provided that:

         (a)      where the Effective Date is not the first day of the month,
                  the first accounting month will be the period from that day
                  until the last day of the calendar month in which the
                  Effective Date occurs; and

         (b)      where the term concludes on a day which is not the last day of
                  the month then the last accounting month will be the period
                  from the conclusion of the immediately preceding accounting
                  month until and including the date of termination of this
                  Agreement.

         ADDITIONAL SERVICES means the services provided by the Franchisor from
         time to time which are not Core Services.

         BUSINESS DAY means a day on which trading banks are open for business
         in the Territory.

         BUSINESS NAME means the business name or trading name under which the
         Franchisee will conduct the Franchised Business.

         BUSINESS SYSTEM means the Internet-based computer system adapted for
         integration with interactive computer networks for business
         enterprises, database enabled forms,
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         communications systems and web page hosting services provided by the
         Franchisor and includes the activities specified in the Manual..

         CODE means the Franchising Code of Conduct as amended from time to
         time.

         COMMISSIONS means the percentage specified in the Manual of the Retail
         Price of the Business System and the Services supplied by the
         Franchisee or the Franchisor at the request of the Franchisee or a
         Customer to Customers in each relevant Invoice Period together with any
         sums in excess of the Retail Price in respect of such supply which is
         payable to the Franchisee during the Term in accordance with CLAUSE 16.

         COMPANY STORE ARRANGEMENT means a large user number licence granted by
         the Franchisor directly to a Customer or potential customer in respect
         of:

         (a)      a customer's company-wide or nationwide operations or

         (b)      group services provided to lessees in shopping centres, office
                  blocks or other defined areas

         entered into pursuant to CLAUSE 13. All Company Store Arrangements
         existing at the date of this Agreement is executed are disclosed in
         Item 2 of the SCHEDULE.

         COMPLIANCE DOCUMENTS means the following documents attached as Annexure
         A to this Agreement:

         (a)      Franchisee's Acknowledgment of Receipt of Franchise Documents;

         (b)      Statement of Franchisee Concerning Independent Advice;

         (c)      Certificate of Independent Legal Advisor;

         (d)      Certificate of Independent Business Advisor;

         (e)      Certificate of Independent Financial Advisor; and

         (f)      Statement of Cessation of Business Under Business Name.

         CONFIDENTIAL INFORMATION means all confidential information of the
         Franchisor or any Related Body Corporate and includes:

         (a)      confidential information relating to the Business System, the
                  Manual and any Documentation;

         (b)      information relating to the policies, business plans,
                  financial information, client lists and other confidential
                  information of the Franchisor;

         (c)      information relating to the terms and conditions of this
                  Agreement; and

         (d)      any other information of the Franchisor identified or
                  reasonably identified as confidential and proprietary
                  information of the Franchisor or any Related Body Corporate.
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         CORE SERVICES means the basic services specified in Item 3 of the
         SCHEDULE which the Franchisee (or the Franchisor on request by the
         Franchisee or the Customer) will perform for a Customer relating to the
         Business System, and any other services nominated by the Franchisor.

         CORPORATE IMAGE means the standards and specifications required by the
         Franchisor for the operation of the Franchised Business, including but
         not limited to:

         (a)      the manner of dealing with Customers, potential customers and
                  other members of the public; and

         (b)      advertising and marketing procedures for the Business System
                  and Services.

         CORPORATIONS LAW means the Corporations Act 1989 (Cth) and all
         amendments to it.

         CUSTOMERS means the persons who have taken licences of the Business
         System or procured Services from the Franchisee.

         DEPOSIT means the amount specified in Item 4 of the SCHEDULE paid by
         the Franchisee to the Franchisor in accordance with CLAUSE 4.1(b).

         DOCUMENTATION means the complete or partial copies of the Franchisor's
         standard documentation, in human or machine-readable format or in any
         other medium, delivered to the Franchisee under this Agreement,
         including the Manual, any specifications and functional specifications
         for the Business System, and any program listings, data models, flow
         charts, logic diagrams, input and output forms, functional
         specifications and instructions relating to the Business System and the
         Franchised Business.

         EFFECTIVE DATE means the date on which the Franchisee has satisfied all
         of the preconditions provided in CLAUSES 4.1 and 4.2 and the statutory
         cooling off period provided for in CLAUSE 3.1 has expired.

         EQUIPMENT means the hardware, software and equipment specified in Item
         5 of the SCHEDULE and in the Manual.

         EXPIRY DATE means the 7th anniversary date of this Agreement.

         FRANCHISE means the rights, obligations and liabilities of the
         Franchisee relating to the Franchised Business created by this
         Agreement.

         FRANCHISE ADVERTISING FEE means the fee specified in Item 6 of the
         SCHEDULE.

         FRANCHISE FEE means the fee specified in Item 7 of the SCHEDULE paid by
         the Franchisee upon execution of this Agreement.

         FRANCHISED BUSINESS means the business of licensing the Business System
         and supplying the Services to Customers or potential customers and any
         other activities relating to such activities in accordance with this
         Agreement.

         FRANCHISEE'S NON-DISCLOSURE AGREEMENT means the form of non-disclosure
         agreement attached in ANNEXURE B to this Agreement.
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         FRANCHISOR'S BANK ACCOUNT means the banking details specified in Item 8
         of the SCHEDULE.

         FRANCHISOR'S PRICE means the prices specified in the Manual for the
         provision of the Business System and Services prescribed by the
         Franchisor from time to time (unless agreed otherwise in writing by the
         Franchisor).

         GROSS FEES means the fees received by the Franchisor from Customers,
         including but not limited to any fees for the provision of the Business
         System and Core Services received by the Franchisor in each relevant
         Invoice Period pursuant to CLAUSE 16 and not including any fees for
         Additional Services.

         GST means the tax imposed or to be imposed by A New Tax System (Goods
         and Services Tax) Act 1999 (Cth).

         INTELLECTUAL PROPERTY means:

         (a)      the registered or unregistered Trade Marks;

         (b)      copyright in and to all Documentation and any other material
                  supplied by the Franchisor to the Franchisee;

         (c)      the Corporate Image;

         (d)      the Business Name;

         (e)      the information, know how and expertise comprising the
                  Business System;

         (f)      the Confidential Information;

         (g)      all copyright, trademarks, designs and trade secrets owned by,
                  licensed to or developed by the Franchisor in connection with
                  the Franchised Business; and

         (h)      all other copyright, trademarks and intellectual property of
                  the Franchisor.

INITIAL TERM means an initial period of 7 years from the date of execution of
this Agreement.

         INITIAL TRAINING PROGRAM means the training program provided by the
         Franchisor to the Franchisee pursuant to CLAUSE 12.1.

         INVOICE PERIOD means in respect of the Payment Date the period from the
         25th of the preceding month to the 24th of the current month
         (inclusive).

         KEY EMPLOYEES means the employees and the contractors of the Franchisee
         who will market the Business System and Services and deliver the
         Services to Customers as determined by the Franchisor in accordance
         with the Manual.

         MANUAL means the operations manual attached as ANNEXURE C to this
         Agreement developed by or for the Franchisor as supplemented by the
         information found at the website, "www.Zland.com", as amended from time
         to time, together with any other documentation identified as such by
         the Franchisor and recommending or prescribing the manner of conduct of
         the Franchised Business.
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         NATIONAL ADVERTISING FEE means the fee specified in Item 9 of the
         SCHEDULE.

         NATIONAL MARKETING FUND means the fund established under CLAUSE 10.

         OTHER PARTY'S NON-DISCLOSURE AGREEMENT means the form of non-disclosure
         agreement attached as ANNEXURE D to this Agreement.

         PAYMENT DATE means the 25th day of each month throughout the Term.

         RELATED BODY CORPORATE and ASSOCIATE in relation to a company
         (including the Franchisor) have the meanings ascribed to those
         expressions by the Corporations Law.

         RENEWAL AGREEMENT means an agreement for the renewal of the Franchise
         entered into between the parties.

         RENEWAL FEE means the fee specified in Item 10 of the SCHEDULE.

         RENEWAL TERM means the period set out in Item 11 of the SCHEDULE.

         SERVICES means the Core Services and the Additional Services.

         TERM means the Initial Term together with any Renewal Term if
         applicable.

         TERRITORY means the area specified in Item 12 of the SCHEDULE.

         TRADE MARKS means the trade marks specified in Item 13 of the SCHEDULE
         and such other trade marks or service marks as the Franchisor may from
         time to time provide for use in connection with the Franchised
         Business.

         TRANSFER FEE means the fee specified in Item 14 of the SCHEDULE.

         WARRANTY PERIOD means the first year of any licence of a Business
         System.

         Y2K COMPLIANT means the satisfactory adaptation of a computer system to
         overcome any problems associated with the rollover of the date from
         3/12/1999 to 1/1/2000.

1.2      INTERPRETATION

         In this Agreement unless the context otherwise requires or permits:

         (a)      references to a party will include as the context requires
                  respective executors, administrators, successors and permitted
                  assigns;

         (b)      references to a person includes any other entity recognised by
                  law and vice versa;

         (c)      headings, underlinings and marginal notes are only included
                  for ease of reference;

         (d)      references to legislation or legislative provisions will
                  include modifying, consolidating or replacing legislation or
                  legislative provisions;

         (e)      references to months and years means calendar months and
                  years;

         (f)      words denoting the singular number include the plural and vice
                  versa;
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         (g)      words denoting one gender include every gender;

         (h)      words denoting natural persons include any Corporation or
                  other owners corporation or Government Body and vice versa;

         (i)      where any word or phrase is given a defined meaning any other
                  grammatical form of that word or phrase will have a
                  corresponding meaning;

         (j)      every covenant or provision applying to or binding more than
                  one person will bind them jointly and each of them severally;

         (k)      delivery of this Agreement will be taken to have been given on
                  the date it bears;

         (l)      if any part of this Agreement is void or unenforceable or
                  would be so unless severed, then the rest of the document will
                  continue to have full force and effect;

         (m)      the use of headings are only for convenience and do not affect
                  interpretation;

         (n)      references to this Agreement includes the Recitals, Schedules,
                  appendices, Annexures, exhibits; and

         (o)      if the day on which any act, matter or thing is to be done
                  under or pursuant to this Agreement is not a business day,
                  that act, matter or thing may be done on the next business
                  day.

2.       GRANT OF FRANCHISE

2.1      APPOINTMENT OF FRANCHISEE

         In consideration of the Franchisee agreeing to perform its obligations
         under this Agreement, the Franchisor grants to the Franchisee the
         Franchise for the Term and, subject to CLAUSES 5.2 and 13, the
         exclusive rights in the Territory, to:

         (a)      conduct the Franchised Business in accordance with this
                  Agreement;

         (b)      use the Intellectual Property in connection with the
                  Franchised Business;

         (c)      provide the Services to Customers using the techniques, know
                  how and operations methods set out in the Manual; and

         (d)      grant licences for the Business Systems to Customers.

2.2      FRANCHISOR'S AGENT

         For the purpose of licensing the Business System and supplying the
         Services to Customers or potential customers, the Franchisee will act
         as agent of the Franchisor. The Franchisee will:

         (a)      deliver the Business System and the Services to the Customer
                  for a sum not less than the Franchisor Price;

         (b)      make contracts with Customers for the Business System and the
                  Services on the Franchisor's then current terms and conditions
                  (whether contained in the Manual or
<PAGE>   13
                  otherwise) and will not take orders from customers unless they
                  assent to such terms and conditions or the Franchisor has
                  consented in writing to different terms and conditions; and

         (c)      not to hold itself out as an agent of the Franchisor except in
                  accordance with this Agreement.

2.3      OBLIGATIONS OF FRANCHISOR

         The Franchisor will provide to each Customer on behalf of the
         Franchisee:

         (a)      the Business System as specified by the Franchisee in
                  accordance with the Manual; and

         (b)      the Core Services and any Additional Services requested by the
                  Franchisee or a Customer.

3.       COOLING OFF, COMMENCEMENT, TERMINATION AND RENEWAL

3.1      COOLING OFF

         The Franchisee must give written notice to the Franchisor that the
         Franchisee does not wish to accept the Franchise within 7 days after
         execution of this Agreement and the Franchisor will on receipt of such
         written notice refund the Franchise Fee. On refund of the Franchise
         Fee, the parties will have no further claims against each other.

3.2      INITIAL TERM

         This Agreement will commence on the Effective Date and continue for the
         Initial Term unless earlier terminated under CLAUSE 29.

3.3      RENEWAL

         The Franchisee may renew the Franchise for the Renewal Term by written
         notice to the Franchisor given not less than 6 months prior to the
         Expiry Date if:

         (a)      the Franchisee has throughout the Initial Term complied with
                  this Agreement and all other agreements between the Franchisor
                  and the Franchisee, and any agreement with other parties
                  relating to this Agreement and the Franchised Business;

         (b)      the Franchisee enters into the Renewal Agreement;

         (c)      the Franchisee has paid all outstanding amounts due to the
                  Franchisor and any Related Body Corporate or associate of the
                  Franchisor and/or any other amounts due under this Agreement
                  or any other document relating to this Agreement; and

         (d)      the Franchisee pays to the Franchisor the Renewal Fee in
                  accordance with CLAUSE 7.3.

3.4      TERMS OF RENEWAL AGREEMENT

         Unless otherwise agreed, any Renewal Agreement must be on the same
         terms and conditions as the then current Franchise Agreement.
<PAGE>   14
4.       PRECONDITIONS

4.1      PRELIMINARY OBLIGATIONS

         Prior to the execution of this Agreement the Franchisee will:

         (a)      duly execute and deliver to the Franchisor a Franchisee's
                  Non-Disclosure Agreement; and

         (b)      pay the Deposit to the Franchisor.

4.2      OBLIGATIONS UPON EXECUTION

         Prior to the Effective Date, the Franchisee will:

         (a)      pay the Franchise Fee to the Franchisor;

         (b)      duly execute and deliver to the Franchisor this Agreement and
                  the applicable Compliance Documents;

         (c)      obtain all necessary permits and licences to enable the
                  Franchisee to properly operate the Franchised Business in
                  accordance with this Agreement and the law; and

         (d)      obtain and install the Equipment.

4.3      TERMINATION

         If the Franchisee has not complied with the provisions of CLAUSES 4.1
         and 4.2 to the reasonable satisfaction of the Franchisor, the
         Franchisor may refuse to grant (or terminate) the Franchise by giving
         the Franchisee written notice. The Franchise will be terminated on
         delivery of the notice to the Franchisee.

5.       TERRITORY

5.1      EXCLUSIVE TERRITORY

         Subject to CLAUSE 5.2, the Franchisee has the exclusive right to
         provide the Business System and the Services and to conduct the
         Franchised Business in the Territory.

5.2      EXCEPTION TO TERRITORY

         Unless the Franchisor consents in writing, the Franchisee may not
         solicit nor attempt to solicit any business from or enter into an
         agreement to provide the Business System or Services with any
         prospective customers who are under (or are notified by the Franchisor
         that they may be under) a Company Store Arrangement.

5.3      SPECIFIC TERRITORY

         Except as provided in CLAUSES 6.3, 11.2 and 13, the Franchisee must not
         conduct the Franchised Business outside the
         Territory.
<PAGE>   15
6.       CUSTOMER MANAGEMENT

6.1      FRANCHISOR OBLIGATION

         Subject to CLAUSE 6.2, the Franchisor will refer all enquiries and
         opportunities relating to prospective customers in the Territory to the
         Franchisee.

6.2      EXCEPTIONS

         The Franchisor may at any time (and without prior consultation with the
         Franchisee) enter into a Company Store Arrangement with any customer in
         the Territory.

6.3      ENQUIRIES FROM OUTSIDE THE TERRITORY

         (a)      The Franchisee must refer to the Franchisor all enquiries and
                  opportunities relating to the Business System or Services from
                  prospective customers outside the Territory. The Franchisor
                  will allocate any opportunities to the relevant franchisee or
                  make other arrangements which the Franchisor may deem in the
                  best interests of the prospective customer;

         (b)      If the Franchisor appoints the Franchisee to manage a
                  prospective customer outside the Territory, the Franchisee
                  must not enter into any agreement to provide the Business
                  System or Services for a term longer than 1 year;

         (c)      If the Franchisor grants a franchise to a franchisee (other
                  than the Franchisee) to provide the Business System or
                  Services in a territory other than the Territory where the
                  Franchisee has Customers, the Franchisee must assign all
                  rights to and benefits from any agreements with such Customers
                  to the Franchisor or the franchisee of that territory
                  immediately upon receipt of written notice from the
                  Franchisor. After receiving such notice, the Franchisee must
                  not provide or offer to provide the Business System or
                  Services to such Customer unless directed by the Franchisor;
                  and

         (d)      The provisions of CLAUSE 6.3(B) are specific to a customer and
                  except as provided in CLAUSE 6.3(B), nothing in this clause or
                  in this Agreement entitles the Franchisee to act as a
                  franchisee in relation to any territory outside the Territory.

7.       PAYMENT OBLIGATIONS

7.1      FRANCHISE FEE

         The Franchisee will pay the Franchise Fee in the manner specified in
         the Manual to the Franchisor's Bank Account. The payment of the
         Franchise Fee will be non-refundable after the expiration of the
         cooling off period specified in CLAUSE 3.1.

7.2      NATIONAL ADVERTISING FEE

         The Franchisee will pay to the Franchisor the National Advertising Fee
         on the first business day of each Accounting Month in the manner
         specified in the Manual.
<PAGE>   16
7.3      RENEWAL FEE

         In the event that the Franchisee renews the Franchise, the Franchisee
         will pay to the Franchisor in the manner specified in the Manual the
         Renewal Fee on the date it notifies the Franchisor of its intention to
         renew this Agreement. The Franchisor will hold the Renewal Fee on trust
         for the Franchisee and will refund it in full (less any reasonable
         costs and expenses incurred by the Franchisor in preparing the Renewal
         Agreement) if the Franchisee notifies the Franchisor that it wishes to
         withdraw its notice to renew at any time before the Renewal Agreement
         is executed. Upon execution by both parties of the Renewal Agreement
         the Franchisor will be absolutely entitled to the Renewal Fee.

7.4      LATE PAYMENTS

         If the Franchisee fails to make any payment required under this clause
         within 7 days after receiving notice from the Franchisor, the
         Franchisor may require the Franchisee to pay interest calculated at 2%
         over the published indicator lending rate charged by Westpac Banking
         Corporation for business overdraft facilities of less than $100,000.00
         published from time to time from the date due until paid. The
         Franchisee hereby authorises the Franchisor to deduct any late payments
         and interest from any money due to the Franchisee.

8.       THE CODE

8.1      COMPLIANCE

         The Franchisor and Franchisee must comply with the provisions of the
         Code throughout the Term.

8.2      TERMINATION

         If:

         (a)      the Code is withdrawn or declared invalid or unconstitutional
                  by any court of competent jurisdiction; or

         (b)      the Code ceases to be mandatory;

         the Franchisor may notify the Franchisee in writing that the
         obligations of CLAUSE 8.1 no longer apply.

8.3      EFFECT

         The giving of such notice will not affect the validity of the rest of
         this Agreement.

9.       INTELLECTUAL PROPERTY

9.1      USE OF INTELLECTUAL PROPERTY

         The Franchisor grants to the Franchisee a non-exclusive licence to use
         the Intellectual Property for the purposes of conducting the Franchised
         Business in the Territory in accordance with this Agreement.
<PAGE>   17
9.2      FRANCHISOR RETAINS TITLE TO PROPERTY

         The Franchisee acknowledges that:

         (a)      the Franchisor is the owner of or has the right to use the
                  Intellectual Property; and

         (b)      the Franchisee's right to use the Intellectual Property and
                  the Documents are limited to the uses specified in CLAUSE 9.3
                  and the Manual.

9.3      RESTRICTION ON USE OF INTELLECTUAL PROPERTY

         The Franchisee will:

         (a)      use the Intellectual Property only as specified by the
                  Franchisor as an integral means of promoting the Franchised
                  Business;

         (b)      display the Intellectual Property in the manner specified in
                  the Manual or as the Franchisor may direct in writing.

         (c)      not use any other trade or service marks which are in the
                  opinion of the Franchisor similar or substantially similar to
                  the Trade Marks or so nearly resemble the Trade Marks as to be
                  likely to cause deception or confusion;

         (d)      inform the Franchisor as to the Franchisee's use of the Trade
                  Marks as required by the Franchisor;

         (e)      render assistance to the Franchisor as it may request to
                  support any applications to register any of the Trade Marks
                  pursuant to the Trade Marks Act 1995;

         (f)      refrain from doing anything which might prejudice an
                  application to register the Trade Marks or invalidate the
                  registration of or any application to register the Trade
                  Marks;

         (g)      refrain from doing anything which might support an application
                  to remove a registered Trade Mark from the Australian Trade
                  Marks Register or cause a Registrar to require a disclaimer of
                  a monopoly on all or part of the Trade Marks;

         (h)      immediately notify the Franchisor of any actual or apparent
                  infringement of, or challenge to, the Franchisor's ownership
                  of or the Franchisee's use of the Intellectual Property; and

         (i)      at all times and in all respects, comply with the directions
                  of the Franchisor in respect of any action, compromise,
                  settlement, or conduct of any litigation or administrative
                  proceeding arising out of any infringement of, or challenge or
                  claim to, any of the Intellectual Property and use its best
                  endeavours to assist the Franchisor in any such action.

9.4      DAMAGES AND COSTS

         The Franchisee acknowledges that any damages or other benefits arising
         out of any claim of infringement or similar claim will be the property
         of the Franchisor. The Franchisor will reimburse the Franchisee for any
         costs reasonably incurred by the Franchisee in complying with CLAUSE
         9.3(h) and (i).
<PAGE>   18
9.5      FRANCHISEE TO COMPLY WITH FRANCHISOR DIRECTIONS

         Notwithstanding CLAUSE 9.1, the Franchisee will modify or discontinue
         use of any of the Trade Marks, and use substitute trade marks or
         service marks as directed by the Franchisor. Any substitute trade marks
         or service marks will be included in the definition of the Trade Marks.

9.6      TITLE TO TRADEMARKS

         The use of the Trade Marks and any goodwill attached to such Trade
         Marks by the Franchisee is for the exclusive benefit of the Franchisor
         or the grantor of such rights.

9.7      FRANCHISEE TO USE BUSINESS NAME

(a)      The Franchisee will conduct the Franchised Business under the Business
         Name incorporating the words "ZLand" or a substitute name approved by
         the Franchisor.

(b)      The Franchisee covenants:

         (i)      to register at its own cost, the Business Name not later than
                  1 week after the Effective Date; and

         (ii)     subject to this clause, to keep the Business Name registered
                  and current during the Term.

9.8      DISCONTINUANCE ON DEFAULT

         Upon execution of this Agreement the Franchisee will execute and
         deliver to the Franchisor a statement of cessation of the business name
         in the form approved by the Franchisor. Such notice of discontinuance
         of business name will to be held by the Franchisor during the Term. The
         Franchisee hereby irrevocably appoints the Franchisor or its nominee as
         its agent and attorney to execute and complete such notice of
         discontinuance of the business name upon termination of this Agreement
         and to file the notice of discontinuance of the business name with the
         relevant authority.

9.9      FRANCHISEE NOT TO ASSIGN NAME

         The Franchisee must not transfer or assign any interest, whether legal
         or beneficial, in the Business Name without first obtaining the consent
         in writing of the Franchisor.

10.      NATIONAL MARKETING FUND

10.1     THE FUND

         The Franchisor may establish the National Marketing Fund to develop
         marketing initiatives for promoting the goodwill and reputation of the
         Business System, the Services and the Franchised Businesses in
         Australia for the benefit of all franchisees.

10.2     OBJECTIVES

         The National Marketing Fund will be used for the advertising, marketing
         and/or public relations programs, services and / or materials that
         the Franchisor deems necessary or
<PAGE>   19
         appropriate to promote these objectives. The National Marketing Fund
         may be combined with any marketing fund otherwise established for use
         in accordance with this Agreement.

10.3     APPOINTMENT OF FRANCHISOR

         If the Franchisor establishes the National Marketing Fund, the
         Franchisee:

         (a)      nominates and appoints the Franchisor as trustee of the
                  National Marketing Fund;

         (b)      will pay the National Advertising Fee as provided for in
                  CLAUSE 7.2;

         (c)      agrees that the Franchisor may use National Marketing Fund in
                  its absolute discretion for the purposes of the National
                  Marketing Fund specified in CLAUSE 10.2; and

         (d)      agrees to comply with and participate in all marketing and
                  advertising programs required by the Franchisor.

10.4     THE CODE

         The National Marketing Fund will be governed and administered by the
         provisions in the Code even if the Franchisor notifies the Franchisee
         that the Code no longer applies in accordance with CLAUSE 8.2.

11.      FRANCHISEE'S MARKETING/ADVERTISING OBLIGATIONS

11.1     PROMOTION

         In addition to the obligations of the Franchisee pursuant to CLAUSE 10
         and subject to CLAUSE 11.3 the Franchisee will:

         (a)      conduct and diligently market and advertise the Franchised
                  Business within the Territory;

         (b)      spend the entire Franchisee Advertising Fee for this purpose
                  and provide evidence to the Franchisor of all such
                  expenditures; and

         (c)      comply with CLAUSE 9.3 in performing its obligations under
                  this clause.

11.2     INTERNET ADVERTISING

         Notwithstanding CLAUSE 5.3 the Franchisee may conduct marketing or
         advertising on the Internet.

11.3     FRANCHISOR TO APPROVE MARKETING MATERIAL

         The Franchisee will:

         (a)      obtain the Franchisor's written approval for any advertisement
                  or advertising or marketing material prior to its publication
                  of dissemination;

         (b)      supply the Franchisor with a copy of such advertisement or
                  advertising or marketing material no less than 14 days prior
                  to the date of publication or dissemination; and
<PAGE>   20

         (c)      comply with the terms and conditions of the approval given by
                  the Franchisor for such advertisement or advertising or
                  marketing material prior to its publication or dissemination.

11.4     FRANCHISEE INDEMNITY

         The Franchisee will indemnify the Franchisor, its officers and
         employees against all claims, damages, liabilities and costs arising
         from claims or proceedings for:

         (a)      libel, slander, defamation or indecent, false, misleading or
                  deceptive conduct;

         (b)      infringement of trade mark, copyright, title, trade methods of
                  identification or other proprietary rights of others;

         (c)      piracy, counterfeiting, plagiarism, unfair competition or idea
                  misappropriation; and

         (d)      invasion of the right of privacy, arising out of any
                  advertising or publicity carried out or authorised by the
                  Franchisee that is not in accordance with the advertising
                  policies and advice of and approved by the Franchisor.

         The indemnity referred to in this subclause is limited to claims
         arising from advertising and marketing the Business System and the
         Services conducted by the Franchisee and does not extend to claims or
         proceedings arising from claims of ownership of the Intellectual
         Property.

12.      TRAINING AND SUPPORT

12.1     INITIAL TRAINING PROGRAM

         The Franchisee (or if a body corporate, its Key Employees) must attend
         and complete the Initial Training Program to the satisfaction of the
         Franchisor within 6 months after the Effective Date.

12.2     ADDITIONAL TRAINING

         The Franchisor may require that the Franchisee (or if a body corporate,
         its Key Employees) undergo additional training during the Term. No
         additional training course will be conducted for a period longer than 1
         week or more frequently than once per year.

12.3     FRANCHISEE SOLELY RESPONSIBLE

         Notwithstanding the provision of training by the Franchisor, the
         Franchisee is exclusively responsible for the operation, conduct and
         profitability of the Franchised Business. The Franchisee acknowledges
         that the Franchisor is not responsible or liable for the operation,
         conduct or profitability of the Franchised Business.

12.4     EMPLOYEES TO BE TRAINED

         The Franchisee (and if a body corporate its Key Employees) will undergo
         and complete to the satisfaction of the Franchisor any other
         educational or training programs it deems necessary, and obtain and
         retain such academic and professional qualifications as the Franchisor
         may reasonably require. No person designated by the Franchisor to
         receive
<PAGE>   21
         such education or training will be allowed to participate in the
         Franchised Business without completing such training without the prior
         approval of the Franchisor.

12.5     ADDITIONAL ASSISTANCE

         In addition to the training requirements specified in CLAUSES 12.1,
         12.2 AND 12.4, the Franchisor may provide the Franchisee with support
         and assistance in the operation, advertising, marketing, promotion and
         administration of the Franchised Business as the Franchisor may
         reasonably deem necessary or desirable.

12.6     COSTS AND EXPENSES

         The Franchisor will notify the Franchisee of the prices charged for
         such training prior to commencement. The Franchisee will be liable for
         all costs and expenses incurred for all training provided in accordance
         with CLAUSE 12.

13.      COMPANY STORE ARRANGEMENTS

13.1     FRANCHISOR MAY ENTER

         The Franchisor may enter into Company Store Arrangements with any
         prospective customer in its discretion.

13.2     FRANCHISEE OBLIGATION

         If the Franchisor enters into an agreement for the provision of the
         Business System and Services under a Company Store Arrangement, and
         such Customer operates from or is resident within the Territory, the
         Franchisee will on behalf of the Franchisor provide the Business System
         and Services to such Customer as directed by the Franchisor.

13.3     APPORTIONMENT OF FEES

         The Franchisor will apportion any fees received by the Franchisor in
         the manner set out in the Manual for the provision of the Business
         System or the Services in relation to a Company Store Arrangement among
         the franchisees who provide services to the Customer. The Franchisee's
         portion of such fees will form part of the Gross Fees.

13.4     ASSIGNMENT OF CONTRACT

         If in the opinion of the Franchisor any transaction with a Customer
         qualifies as a Company Store Arrangement (whether at the time of
         contracting with the Franchisee or otherwise), the Franchisor shall
         notify the Franchisee. The Franchisee will assign such contract to the
         Franchisor immediately upon receipt of such notice, and the provisions
         of CLAUSES 13.2 and 13.3 shall apply.

14.      OPERATING THE FRANCHISED BUSINESS

14.1     FRANCHISEE TO CONDUCT FRANCHISED BUSINESS

         The Franchisee will use its best endeavours to conduct the Franchised
         Business in a proper and efficient manner and will actively promote the
         Franchised Business and the Business System.
<PAGE>   22
14.2     MINIMUM WORK COMMITMENT

         The Franchisee will conduct the Franchised Business between the hours
         of 8:00 am and 5:00 pm from Monday to Friday inclusive (other than
         public holidays), and at such other times specified in the Manual.

14.3     BUSINESS SOLE UNDERTAKING

         The Franchisee shall, (and if the Franchisee is a body corporate, it
         will ensure that its Key Employees shall) devote the majority of its
         commercial efforts promoting the Franchised Business.

14.4     COMPETITION; OTHER BUSINESS

         The Franchisee will not engage in any other business or undertaking
         without the Franchisor's prior written consent. The Franchisor will not
         be obliged to give such consent if the Franchisor considers that the
         other business or undertaking may compete directly or indirectly, with
         or detract business from the Franchised Business.

14.5     OTHER PRODUCTS AND SERVICES

         If the Franchisee wishes to offer and sell any product or service not
         previously authorised by the Franchisor, the Franchisee must advise the
         Franchisor in writing and provide a product specification, a sample of
         the product, information about the supplier and any other information
         which the Franchisor may require. The Franchisor will notify the
         Franchisee whether or not it approves of such product or service within
         30 days of submission of the Franchisee's request. The Franchisor's
         silence may not be construed as consent. The Franchisor may withdraw
         its approval if any product or service at any time in its sole
         discretion. The Franchisor's criteria and reasons for approving or not
         approving a particular product or service are confidential. The
         Franchisor may withhold such information from the Franchisee in its
         discretion.

14.6     EMPLOYEE REQUIREMENTS

         The Franchisee will:

         (a)      (and ensure that its Key Employees will) comply with the
                  provisions of the Manual governing the minimum
                  responsibilities, duties and tasks required of the
                  Franchisee's employees;

         (b)      ensure that it has an adequate number of competently trained
                  and qualified employees or independent contractors necessary
                  to comply with its obligations under this Agreement and to
                  Customers; and

         (c)      ensure that its employees enter into an Other Party Non
                  Disclosure Agreement prior to commencing employment.
<PAGE>   23
14.7     EXCLUSIVITY

         The Franchisee will not, and will procure that its employees and
         contractors will not, without the prior written consent of the
         Franchisor:

         (a)      be concerned or interested either directly or indirectly in
                  the supply of any products or services which are similar to or
                  competitive with the Business System or Services except for
                  those products and services supplied by the Franchisee prior
                  to the Effective Date which have been fully disclosed in
                  writing to the Franchisor;

         (b)      subject to CLAUSE 6.3(b) enter into an agreement, directly or
                  indirectly, to provide the Business System or Services to any
                  person in the Territory knowing or having reason to believe
                  that they would be resold outside the Territory or conduct the
                  Franchised Business outside the Territory.

14.8     INDEPENDENT CONTRACTORS

         Prior to entering into any agreement with an independent contractor for
         the provision of any services relating to the Franchised Business, the
         Franchisee will:

         (a)      notify the Franchisor in writing of the details of such
                  independent contractor, including the name and address of the
                  independent contractor, and if a body corporate, the ACN and
                  registered office of such contractor, and a description of the
                  services to be provided; and

         (b)      ensure that the independent contractor executes an Other Party
                  Non-Disclosure Agreement and provides a copy of such agreement
                  to the Franchisor.

14.9     LIABILITY FOR INDEPENDENT CONTRACTORS AND EMPLOYEES

         The Franchisee will bear all liabilities, including payment of any
         consultancy fees or other remuneration, for its obligations under an
         agreement with any independent contractor engaged by the Franchisee and
         for any claims, costs and damages arising out of such independent
         contractor's activities. The Franchisee will indemnify the Franchisor
         against all claims, damages, liabilities and costs arising from claims
         or proceedings by or against any employee or independent contractor of
         the Franchisee.

14.10    FRANCHISEE TO OBTAIN PERMITS AND LICENCES

         The Franchisee will be solely responsible for the acquisition and
         maintenance of all necessary registrations, permits and licences for
         the lawful operation of the Franchised Business. The Franchisee will
         keep all such registrations, permits and licences current at all times.

14.11    FRANCHISEE ADVERTISING / MARKETING STANDARDS

         The Franchisee will not knowingly:

         (a)      make any false or misleading representations in connection
                  with the Business System, the Services or the Franchised
                  Business; and

         (b)      conduct the Franchised Business in contravention of any
                  guidelines or ethical standards published by the Franchisor
                  including but not limited to standards and
<PAGE>   24
                  guidelines specified in the Manual or in contravention of any
                  acceptable and usual business practice.

14.12    PREMISES

         (a)      Within 9 months of the Effective Date the Franchisee must have
                  established suitable business premises within the Territory
                  from which to operate the Franchised Business.

         (b)      The Franchisee will ensure that at all times during the Term
                  the business premises and all furnishings for such premises:

                  (i)      are in a good state of repair and decoration;

                  (ii)     meet the standards and guidelines for the business
                           premises and furnishings specified in the Manual or
                           the reasonable directions of the Franchisor.

14.13    EQUIPMENT

         (a)      Prior to the Effective Date or such other date as the parties
                  may agree, the Franchisee will purchase and install the
                  Equipment and throughout the Term purchase and install such
                  further equipment as the Franchisor may from time to time deem
                  necessary for the efficient operation of the Business System
                  and the Franchised Business.

                  The Franchisor may make changes in, among other things,
                  standards and specifications in the Business System and
                  Services and the price or pricing method for the Business
                  System and Services, when, in the sole discretion of the
                  Franchisor, changes are needed to ensure the continued success
                  and development of the Franchised Business. These changes may
                  include the purchase of improved technology from the
                  Franchisor, the purchase of equipment, supplies, furnishings
                  or other goods from third parties and the completion of
                  additional training by the Franchisee's staff or other
                  actions. The Franchisee must promptly conform to the modified
                  standards and specifications at its own expense.

         (b)      All costs and expenses incurred in connection with the
                  purchase and installation of the Equipment and any further
                  Equipment will be paid by the Franchisee; and

         (c)      The Franchisee understands that the Equipment is supplied by a
                  third party and the Franchisor makes no warranties or
                  representations of any kind, express or implied, in relation
                  to it, including in respect of suitability or fitness for
                  purpose.

14.14    BUSINESS SYSTEM AND SERVICES

         (a)      The Franchisor will deliver the Business System and any
                  Services which the Franchisor agrees to provide upon receipt
                  of the Franchisee's written request and invoice the Customer
                  for the Business System and Services at the then current
                  Franchisor's Price or as specified by the Franchisee unless
                  the prices specified by the Franchisee are less than the
                  Franchisor's Price;

         (b)      The Franchisor may make the Services available to the
                  Franchisee and add or delete services comprising the Services
                  at any time; and
<PAGE>   25
         (c)      The Franchisee will promptly disclose to the Franchisee any
                  modification, adaptation or extension of the Business System
                  and will immediately assign (and does assign under this
                  Agreement) its entire right, title and interest in, to and
                  under such modifications, adaptations and extensions including
                  without limitation all intellectual property rights therein to
                  the Franchisor. No modification, adaptation or extension of
                  the Business System may be implemented for a Customer without
                  the written approval of the Franchisor.

14.15    ACCEPTING BUSINESS

         The Franchisee may not accept business from a prospective customer
         unless the Franchisee has the capacity to provide the Services to the
         Customer in accordance with the Manual and is able to travel to and
         from the prospective customer's premises if necessary.

14.16    FRANCHISEE MEETINGS

         During the Term the Franchisor may convene meetings of all franchisees
         to discuss matters of mutual interest. The Franchisee will attend at
         all such meetings at its cost. Any decisions of the franchisees in such
         meetings will be carefully considered by the Franchisor but will have
         no binding legal effect on the Franchisor or the Franchisee. The
         Franchisor may circulate a letter or other communication to all
         Franchisees in lieu of convening any such meeting.

15.      OPERATING STANDARDS

15.1     NOT HOLD ITSELF OUT

         The Franchisee will ensure that its business premises, advertisements,
         correspondence and business cards confirm that it is conducting the
         Franchised Business independently of the Franchisor and will not
         represent to any party that it conducts any part of the Franchised
         Business as agent or on behalf of the Franchisor.

15.2     OPERATING STANDARDS

         The Franchisee will (and will ensure that its employees will) at all
         times during the Term:

         (a)      not enter into any agreement to provide the Business System or
                  Services for consideration less than the Retail Price;

         (b)      develop and maintain high and uniform operating standard based
                  on the concepts of consistency, reliability and
                  professionalism in accordance with the Manual;

         (c)      promote and increase the demand for the Business System and
                  Services;

         (d)      observe the requirements of any collateral document or
                  agreement relating to the Franchised Business;

         (e)      establish and maintain a reputation for delivering high
                  quality Services exemplifying high customer servicing
                  standards;

         (f)      give prompt, courteous, friendly and efficient service to all
                  Customers and prospective customers;
<PAGE>   26
         (g)      adhere to the highest standards of honesty, integrity, fair
                  dealing and ethical conduct;

         (h)      identify itself on all correspondence and stationery in such
                  manner as the Franchisor may require;

         (i)      comply in every respect with the standards set by the
                  Franchisor for the operation of the Franchised Business in
                  accordance with the Manual or instructed by the Franchisor;

         (j)      comply with the reasonable directions of the Franchisor in the
                  manner of dealing with any complaints from Customers,
                  including, if necessary, permitting the Franchisor or another
                  of its franchisees to rectify the complaint at the cost of the
                  Franchisee and Franchisor reasonable access to the Customer's
                  premises to rectify such complaint; and

         (k)      deliver the information and records specified in CLAUSE 18.2
                  on request by the Franchisor.

15.3     DISPUTES

         If any disputes arise involving the requirements or standards contained
         in the Manual, the interpretation by the Franchisor will control.

16.      ACCOUNTING AND INVOICE

16.1     RESPONSIBILITY FOR INVOICING

         The Franchisor will invoice each Customer directly for the Business
         System and any Services in accordance with the Franchisor's current
         standard terms and conditions.

16.2     NO OTHER PRODUCTS INVOICED

         The Franchisor will not, and the Franchisee must not, invoice the
         Customer for any products or services other than the Business System
         and Services supplied by the Franchisee (or the Franchisor at the
         request of the Franchisee) whether or not such products and services
         were provided at the same time as the Business System and Services.

16.3     ACCOUNTING TO THE FRANCHISEE

         For each Invoice Period, the Franchisor will provide the Franchisee
         with an itemised statement based on the monthly report of the
         Franchisee delivered in accordance with CLAUSE 18.3(a) showing:

         (a)      each Customer's orders that have been invoiced;

         (b)      each invoice that has been paid;

         (c)      the Gross Fees received; and

         (d)      the GST that had been paid
<PAGE>   27
16.4     COMMISSIONS

         On the Payment Date the Franchisor will deliver a cheque for the
         Commissions payable to the Franchisee based on the information
         contained in the itemised statement referred to in CLAUSE 16.3
         calculated in the manner specified in the Manual, along with such
         itemised statement.

16.5     GST

         The Franchisor will account to the Commissioner of Taxation at the
         Australian Tax Office on behalf of the Franchisee for all GST on the
         supply of the Business System and Services to the Customer by the
         Franchisee.

17.      AUDIT RIGHTS

17.1     FRANCHISEE'S RIGHTS

         The Franchisee (or its nominated agent) may conduct an audit of the
         accounts relating to the Franchised Business in the possession of the
         Franchisor at any time during normal business hours provided it has
         given the Franchisor at least 5 business days prior written notice. The
         Franchisee may conduct only 1 audit during any 12 month period. The
         Franchisee will bear the cost of each such audit unless it reveals that
         an act or omission of the Franchisor has resulted in a discrepancy of
         more than 10 per cent to the Franchisee's disadvantage. In such event,
         the Franchisor will bear the costs of such audit.

17.2     FRANCHISOR'S RIGHTS

         The Franchisor (or its nominated agent) may conduct an audit of the
         accounts and business records relating to the Franchised Business in
         the possession of the Franchisee at any time during normal business
         hours provided it has given the Franchisee at least 5 business days
         prior written notice. The Franchisor may conduct only 1 audit during
         any 12 month period. The Franchisor will bear the cost of each such
         audit unless it reveals that an act or omission of the Franchisee has
         resulted in a discrepancy of more than 10 per cent to the Franchisor's
         disadvantage. In such event, the Franchisee will bear the costs of such
         audit.

18.      RECORD KEEPING AND REPORTING

18.1     BUSINESS RECORDS

         The Franchisee will compile and maintain the books and records of the
         Franchised Business honestly and accurately in accordance
         with the Manual.

18.2     RECORDS

         The Franchisee will maintain time and proper accounts and records as
         specified in the Manual including but not limited to:

         (a)      a list of Customers;

         (b)      each Business System and any Services provided;

         (c)      the dates on which such Services were provided;
<PAGE>   28

         (d)      the expenses and outgoings of the Franchised Business;

         (e)      all marketing, advertising or promotions conducted by the
                  Franchisee;

         (f)      the locations where the Franchisee provided the Services to
                  Customers; and

         (g)      all other transactions, costs, liabilities and other relevant
                  information relating to f the Franchised Business as the
                  Franchisor may reasonably require from time to time.

18.3     FRANCHISEE TO PROVIDE REPORTS

         (a)      The Franchisee will provide the Franchisor with a report of
                  the Franchised Business for the previous Accounting Month in
                  the manner specified in the Manual or as the Franchisor may
                  reasonably require, including but not limited to:

                  (i)      each Business System licensed that month;

                  (ii)     any Services provided to Customers that month
                           (whether by the Franchisee or the Franchisor at the
                           request of the Franchisee or a Customer); and

                  (iii)    the amount spent by the Franchisee that month
                           pursuant to its obligations under CLAUSE 11;

         (b)      Within 1 month after 31 March, 30 June, 30 September and 31
                  December in each year of the Term the Franchisee will submit
                  the quarterly reports showing income and expenses for the
                  Franchised Business in the manner specified in the Manual or
                  as the Franchisor may reasonably require; and

         (c)      At any other time on the written request of the Franchisor the
                  Franchisee will submit all reports, returns and other
                  information relating to the operation of the Franchised
                  Business as the Franchisor may reasonably require.

18.4     INSPECTION OF RECORDS

         The Franchisor (and its authorised agents) may, at any time during
         normal business hours, after giving the Franchisee not less than 14
         days notice, enter the Franchisee's business premises or such other
         place where the records relating to the Franchised Business are kept
         and maintained to:

         (a)      examine and audit the records;

         (b)      take copies of the records; or

         (c)      examine and review the operating methods of the Franchisee.

18.5     COSTS OF INSPECTION

         If an examination or audit of the Franchisee's records reveals that any
         payment to the Franchisor on any account is more than 1 week overdue on
         more than 2 occasions in any 3 month period, the Franchisee will pay
         the Franchisor's costs incidental to such examination or audit.
<PAGE>   29
19.      THIRD PARTY INTEREST

19.1     NO ENCUMBRANCES

         The Franchisee will not create or permit to exist any third party
         security interest by way of mortgage, pledge, lien, charge, encumbrance
         or any other security interest or agree to create or give any such
         security interest over this Agreement, the Intellectual Property or the
         Franchised Business without the prior written consent of the
         Franchisor. The Franchisee will indemnify the Franchisor for any costs,
         losses, expenses or liabilities incurred by the Franchisor as a result
         of the breach of the Franchisee of this clause.

20.      PERFORMANCE STANDARD

20.1     COMPARISON

         Every 6 months following the Effective Date, the Franchisor will
         compare the Gross Fees of the Franchisee for Customers whose primary
         offices are located in the Territory, with the average gross fees
         attributable to other franchisees having, in the opinion of the
         Franchisor, a substantially similar territory or market as the
         Franchisee. The Franchisor will notify the Franchisee of the results of
         such comparison.

20.2     PERFORMANCE REQUIREMENT

         (a)      If, after 12 months from the Effective Date, Gross Fees are
                  less than 50% of the average gross fees attributable to other
                  franchisees having a substantially similar territory or market
                  as the Franchisee, the Franchisor will notify the Franchisee
                  in writing advising such under-performance;

         (b)      If the Franchisor has given the notice referred to in
                  subclause (a):

                  (i)      the Franchisor shall provide any further training and
                           assistance as the Franchisor deems necessary to
                           assist the Franchisee, at the cost and expense of the
                           Franchisee in addition to its obligation specified in
                           CLAUSE 12; or

                  (ii)     within 10 days of receiving the notice, the
                           Franchisee may notify the Franchisor that it wishes
                           to transfer the Franchise and the provisions of
                           CLAUSE 27 are to apply;

         (c)      If the Franchisee under-performs in the next successive 6
                  month period, the Franchisee may give written notice to the
                  Franchisor within 10 days of notification of such
                  under-performance that it wishes to transfer the Franchise and
                  the provisions of CLAUSE 27 are to apply; and

         (d)      If the Franchisee does not elect to transfer the Franchise
                  pursuant to subclause (b) or (c), or is unable procure a
                  qualified substitute franchisee within 120 days from the date
                  of notifying the Franchisor of its intention to transfer the
                  Franchise, the Franchisor may terminate this Agreement by
                  written notice effective 30 days after the date the notice is
                  received by the Franchisee.
<PAGE>   30
21.      CORRECTION OF DEFECTS

         21.1     THE FRANCHISOR'S OBLIGATION TO CORRECT OR REPLACE DEFECTS

         If any component of the Business System fails to conform substantially
         to the functional specifications during the Warranty Period, the
         Franchisor's sole obligation will be, at the Franchisor's option, to:

         (a)      correct the defect by bringing the performance of the Business
                  System into substantial compliance with the functional
                  specifications in the Documentation; or

         (b)      replace the defective component.

21.2     FRANCHISOR TO CORRECT

         If use of the Business System is significantly restricted by a reported
         defect and the Franchisee gives written notice of such restriction to
         the Franchisor, the Franchisor will use its best efforts to commence
         work on correcting the defect no later than the first working day after
         it receives the Franchisee's written notice, subject in each case to
         the provisions of CLAUSE 21.

21.3     CORRECTION OF DEFECTS

         The Franchisor will use its best efforts to correct the defect by
         remote access. If the Franchisor is unable to correct the defect by
         remote access and it deems that a written correction is appropriate, it
         may develop and deliver a correction of the defect in writing or in
         machine readable form. Installation of such correction will be the
         responsibility of the Franchisor unless otherwise agreed in writing by
         the Franchisor. The Franchisor may correct a defect in the Business
         System which is not under warranty if requested by the Franchisee. The
         Franchisee will pay additional charges.

22.      WARRANTIES

22.1     BY THE FRANCHISEE

         The Franchisee represents and warrants that:

         (a)      it has relied on its own inquiries as to the performance and
                  functional characteristics of the Business System, and does
                  not rely on any warranties or representations not set out in
                  this Agreement and the Manual;

         (b)      it is a corporation, duly incorporated and validly existing in
                  good standing under the laws of Australia;

         (c)      it has full rights, power, legal capacity and authority to
                  enter into this Agreement and to carry out and perform its
                  obligations under this Agreement; and

         (d)      the execution and delivery of this Agreement and the
                  transactions contemplated by the parties under it do not and
                  will not conflict with or result in a breach of any condition
                  or provision, or constitute a default under, any agreement or
                  undertaking of the Franchisee.
<PAGE>   31
22.2     BY THE FRANCHISOR

         The Franchisor warrants
         that:

         (a)      the Business System:

                  (i)      will substantially conform to the functional
                           specifications contained in the Documentation for the
                           Warranty Period;

                  (ii)     will perform when in use without material alteration
                           on the Equipment in accordance with the functional
                           specifications set forth in the Documentation; and

                  (iii)    is Y2k compliant;

         (b)      it is entitled to authorise the Franchisee to enter into
                  agreements for the provision of the Business System and the
                  Services; and

         (c)      it has all rights necessary to license the Intellectual
                  Property to the Franchisee in accordance with this Agreement.

22.3     SCOPE OF WARRANTY

         The warranties set forth in CLAUSE 23.2 will not apply:

         (a)      if the Business System is not installed or used in accordance
                  with the Documentation;

         (b)      if the Franchisee and/or the Customers use the Business System
                  on equipment other than the Equipment;

         (c)      if the defect or malfunction is caused by the failure of a
                  third party service provider;

         (d)      if the defect or malfunction is caused by the use of the
                  Business System in combination with third party software which
                  has not been approved by the Franchisor for use in connection
                  with the Business System;

         (e)      to the extent that the defect or malfunction is caused by or
                  is contributed to by the Franchisee or the Customers; or

         (f)      if the defect is caused by a third party software or equipment
                  malfunction.

22.4     WARRANTIES NOT INCLUDED

         The Franchisor does not warrant that:

         (a)      the Business System will operate uninterrupted;

         (b)      the Business System will be free from minor defects or errors
                  which do not materially affect the performance of the Business
                  System; or

         (c)      the applications contained in the Business Systems are
                  designed to meet all the Franchisee's or the Customer's
                  business requirements.
<PAGE>   32
23.      LIMITATION OF LIABILITY

23.1     THE FRANCHISOR NOT RESPONSIBLE

         The Franchisor will not be responsible under this Agreement for:

         (a)      the modification or extension of the Business System to fit
                  the particular requirements of a Customer or the Franchisee;

         (b)      the correction of any program errors resulting from such
                  modifications or improvements;

         (c)      the correction of any program errors as a result of the use of
                  the Business System by the Franchisee or a Customer outside of
                  the terms and conditions of this Agreement;

         (d)      the failure of the Equipment or network; or

         (e)      the preparation or conversion of the Franchisee's or a
                  Customer's data into a form required for use with the Business
                  System.

23.2     IMPLIED WARRANTIES EXCLUDED

         The Franchisor makes no express warranties beyond those stated in this
         Agreement. All conditions and warranties implied by statute or common
         law are expressly excluded to the extent permitted by law.

23.3     EXCLUSION OF DAMAGES

         Under no circumstances will the Franchisor be liable to the Franchisee
         or any other person or entity for special, incidental, consequential,
         or indirect damages, loss of goodwill or business profits, work
         stoppage, data loss, computer failure or malfunction, all other
         commercial damages or loss, or exemplary or punitive damages relating
         to the Business System, its performance, the negligence or default of
         the Franchisor or any error in information supplied to the Franchisee
         before or after the date of this Agreement.

23.4     SEVERABILITY OF ACTIONS

         Each provision of this Agreement which provides for a limitation of
         liability, disclaimer of warranties, or exclusion of damages is
         intended by the parties to be severable and independent of any other
         provision.

24.      INDEMNITIES

24.1     INDEMNITY OF FRANCHISEE

         Subject to CLAUSE 24.2 below, the Franchisor will:

         (a)      indemnify the Franchisee for all claims, damages liabilities
                  and costs for which the Franchisee is held liable in any
                  claims for infringement of Intellectual Property;
<PAGE>   33
         (b)      reimburse the Franchisee for all costs reasonably incurred by
                  the Franchisee in the defence of any claim brought against it
                  or in any such proceeding in which it is a party;

         (c)      at the Franchisor's expense keep the Intellectual Property
                  (but not the Business Name) current; and

         (d)      take whatever steps are necessary to protect the Franchisee's
                  right to use the Intellectual Property against the
                  unauthorised use of it by others.

24.2     LIMITATION OF INDEMNITY

         The Franchisor will not be obligated to indemnify the Franchisee under
         the provisions of CLAUSE 24.1 unless the Franchisee:

         (a)      notifies the Franchisor in writing as soon as practicable of
                  any infringement, suspected infringement or alleged
                  infringement;

         (b)      gives the Franchisor the option to conduct the defence of such
                  claim, including negotiations for settlement or compromise
                  prior to the institution of legal proceedings;

         (c)      provided the Franchisor with reasonable assistance in
                  conducting the defence of such claim;

         (d)      permits the Franchisor to modify, alter or substitute the
                  infringing part of the Business System, at its own expense, to
                  render the Business System non-infringing; and

         (e)      authorises the Franchisor to procure for the Franchisee the
                  authority to continue the use and possession of the Business
                  System.

24.3     INDEMNITY OF FRANCHISOR

         The Franchisee will indemnify the Franchisor and its licensors against
         all claims, liabilities, and costs, including reasonable legal fees,
         reasonably incurred in the defence of any claim (other than for the
         infringement of intellectual property rights specified in CLAUSE 24.2),
         arising out of the Franchisee's unauthorised use of the Business
         System, Documentation and Intellectual Property pursuant to this
         Agreement.

24.4     PROCEEDINGS

         (a)      If proceedings are brought or threatened by a third party
                  against the Franchisee alleging that the Franchisee's use of
                  the Business System constitutes an infringement of the
                  intellectual property rights of such third party, the
                  Franchisor may, at its option and at its own expense, conduct
                  the defence of such proceedings. The Franchisee will provide
                  all necessary assistance and information required by the
                  Franchisor in the defence of such proceedings.

         (b)      The Franchisor will take such action as it determines is
                  reasonably necessary in its sole discretion to defend any
                  claims or proceedings for infringement or alleged infringement
                  by a third party of the Business System.
<PAGE>   34
25.      MANUALS / CONFIDENTIALITY

25.1     FRANCHISOR MAY DEVELOP MANUALS

         The Franchisor has developed the Manual to assist the Franchisee in its
         daily operations of the Franchised Business. The Manual specifies the
         processes and procedures for the operation of the Franchised Business.

25.2     AMENDMENTS AND UPDATES

         The Franchisor may amend, alter or replace any information contained in
         the Manual at any time. The Franchisor will supply to the Franchisee a
         copy of any replacement pages, insertions, additions, reviews,
         amendments, alterations or modifications to the Manual as soon as
         practicable after completion.

25.3     FRANCHISEE TO COMPLY WITH MANUALS

         Upon receipt of the Manual, the Franchisee will:

         (a)      operate the Franchised Business strictly in accordance with
                  the relevant provisions of the Manual and otherwise use the
                  Manual as a guide to the independent conduct of the Franchised
                  Business, to the extent, if any, that the Manual requires a
                  manner of conduct of the Franchised Business;

         (b)      keep the Manual up to date with any replacement pages,
                  insertions, additions, reviews, amendments, alterations or
                  modifications to the Manual sent by the Franchisor; and

         (c)      immediately on termination of this Agreement return to the
                  Franchisor all copies of the Manual in the possession, power,
                  custody or control of the Franchisee, whether or not the
                  Franchisor authorised the making of such copies.

25.4     MANUAL IS CONFIDENTIAL

         The Franchisee:

         (a)      acknowledges that the Manual contains Intellectual Property
                  which the Franchisor is the owner of or has the right to use;

         (b)      must not make any copies of the Manual; and

         (c)      must ensure that the officers, contractors and employees of
                  the Franchisee do not disclose the contents of the Manual to
                  any person.

25.5     CONFIDENTIALITY

         The Franchisee will:

         (a)      keep all Confidential Information secure from theft and
                  confidential;

         (b)      not use any Confidential Information in any business but the
                  Franchised Business or in any other manner without the consent
                  of the Franchisor;
<PAGE>   35

         (c)      not disclose any of the methods or system(s) including, but
                  not limited to the Business System, of the Franchisor.

         Nothing in this subclause will prevent the Franchisee from disclosing
         Confidential Information to the Franchisee's professional advisors, if
         required by law or if such information is in the public domain.

26.      INSURANCE

26.1     FRANCHISEE INSURANCE

         The Franchisee will procure and maintain throughout the Term the
         following insurances with an insurer acceptable to the Franchisor
         showing the Franchisor as an additional insured:

         (a)      public liability in an amount no less than $5 million;

         (b)      professional indemnity insurance;

         (c)      all risks insurance;

         (d)      business interruption and loss of profit insurance; and

         (e)      disability insurance.

26.2     CERTIFICATES OF CURRENCY

         The Franchisee will, upon request by the Franchisor, provide
         certificates of the Franchisee's insurance to the Franchisor to
         evidence that it has complied with its obligations under this clause.

26.3     FRANCHISOR MAY REQUIRE INCREASED LIMITS

         The Franchisor may require the Franchisee to increase the minimum
         insurance limits specified in CLAUSE 26.1 or require the Franchisee to
         obtain different or additional kinds of insurance to reflect changes in
         insurance standards, normal business practices, higher court awards and
         other relevant circumstances.

27.      ASSIGNMENT

27.1     FRANCHISOR MAY ASSIGN

         The Franchisor may assign all or part of this Agreement and the
         assignee or other legal successor will be bound by its terms.

27.2     FRANCHISEE MAY NOT ASSIGN WITHOUT CONSENT

         The Franchisee's rights and obligations of the Franchisee under this
         Agreement are personal to the Franchisee. The Franchisee may not
         transfer or encumber any part of its interests under this Agreement; or
         sub-licence or delegate the performance of any of its rights duties or
         obligations under this Agreement without the prior written consent of
         the Franchisor. The Franchisor:
<PAGE>   36

         (a)      will not unreasonably withhold its consent to any proposed
                  transfer or encumbrance if:

                  (i)      the proposed assignee meets the requirements of the
                           Franchisor for such assignment and is in the opinion
                           of the Franchisor a respectable, responsible, solvent
                           and financially sound person or corporation with
                           sufficient business experience and professional
                           qualifications to carry on the Franchised Business
                           and to fully and expeditiously carry out the
                           Franchisee's obligations under this Agreement; e
                           proposed assignee enters into the Franchisor's then
                           current form of Franchise Agreement; and

                  (ii)     the Franchisee or the assignee pays the Transfer Fee;
                           and

         (b)      may require that the Franchisee make such transfer or
                  encumbrance only on the conditions that the Franchisor deems
                  necessary, including but not limited to the requirement that
                  the Franchisee not be in default or arrears in respect of any
                  payments to the Franchisor and be otherwise in full compliance
                  with its obligations under this Agreement.

27.3     DISPOSAL WHERE UNDERLYING INTERESTS CHANGE

         If any transaction or series of transactions occurs in respect of the
         shares of a corporate or trustee Franchisee or a holding company of the
         Franchisee (as defined by the Corporations Law) as a combined result of
         which there is a change of:

         (a)      the legal or beneficial ownership of, or the power to exercise
                  the voting rights of, more than 24% of the issued capital or
                  other equity of the Franchisee as at the date of this
                  Agreement; and

         (b)      the directors of the Franchisee as they are constituted at the
                  Effective Date,

         that transaction or series of transactions will, for the purposes of
         this Agreement, be deemed to be an assignment of the Franchisee's
         interests under this Agreement and will require compliance with CLAUSE
         27.2.

27.4     FIRST REFUSAL

         (a)      The Franchisee will not accept any offer for the transfer or
                  assignment of any interest in the Franchised Business unless:

                  (i)      the offer is bona fide;

                  (ii)     in writing; and

                  (iii)    the Franchisee first offers the interest to the
                           Franchisor by delivering a notice containing a copy
                           of the offer to purchase or the terms on which the
                           interest is proposed to be assigned and state the
                           price and consideration for the proposed assignment.

         (b)      The Franchisor may purchase the interest to be transferred or
                  assigned for the price minus the Transfer Fee and on any terms
                  and conditions stated in the notice within 6 weeks from the
                  date of receipt of the notice. The Franchisor may deduct
<PAGE>   37
                  from the price any unpaid debts of the Franchisee and may pay
                  out of the price any of the Franchisee's unpaid creditors.

27.5     RIGHT OF SALE

         If the Franchisor does not purchase the interest of the Franchisee, the
         Franchisee may transfer or assign the interest for the price set out in
         the notice to the Franchisor, plus or minus 5% and on the same terms
         and conditions specified in such notice. If the transfer or assignment
         is not completed within 3 months of delivery of the notice to the
         Franchisor, the Franchisor may purchase the interest of the Franchisee
         in accordance with CLAUSE 27.4.

28.      DEFAULT

28.1     EVENTS OF DEFAULT

         The Franchisee will be in default under this Agreement if any of the
         following events occur:

         (a)      the Franchisee fails to make any payments to the Franchisor
                  whether under this Agreement or otherwise within 14 days of
                  becoming due;

         (b)      the Franchisee or any director, shareholder or member of the
                  Franchisee becomes financially interested (whether as
                  director, shareholder, employee or consultant) in any business
                  in competition with the Franchised Business without the
                  Franchisor's prior written consent;

         (c)      an execution, levy or distress is levied against the
                  Franchisee or against its directors or shareholders or the
                  assets of the Franchised Business;

         (d)      the Franchisee abandons, surrenders or transfers control of
                  the Franchised Business or fails to actively carry on the
                  Franchised Business for a period of 6 weeks;

         (e)      the Franchisee operates the Franchised Business in a manner
                  which, in the reasonable opinion of the Franchisor, is
                  unlawful, unprofessional, negligent, defamatory or lowers the
                  reputation of the Franchisor or operates the Franchised
                  Business in a way that endangers public health or safety, and
                  fails to take reasonable steps to correct such manner of
                  operation after notice from the Franchisor or any authorised
                  governmental authority within the time limit specified in such
                  notices;

         (f)      the Franchisee or any of its directors or employees no longer
                  possesses the necessary registrations, licenses or permits
                  required to conduct the Franchised Business;

         (g)      the Franchisee provides for consideration services which are
                  not Services in the course of its conduct of the Franchised
                  Business without the Franchisor's prior written consent; and

         (h)      the Franchisee fails to comply with any other provision of
                  this Agreement, any provision of the Manual or other
                  specification, standard operating procedure or instruction
                  required by the Franchisor on 2 or more occasions within a
                  period of 3 consecutive calendar months and, if such failure
                  is capable of correction, does not correct such failure within
                  14 days after receiving notice of such failure.

<PAGE>   38

29.    TERMINATION

29.1   TERMINATION BY FRANCHISOR

       (a)    The Franchisor may terminate this Agreement by written notice
              effective immediately if the Franchisee or any of its principals:

              (i)    commences any act of bankruptcy as defined in the
                     Bankruptcy Act 1966 Cth, makes a scheme or arrangement with
                     its creditors or is placed in receivership, liquidation,
                     administration or any form of insolvency or administration;

              (ii)   is convicted of a criminal offence carrying a jail term of
                     5 years or more, or an offence involving fraud, deception,
                     dishonesty or misleading conduct;

              (iii)  is fraudulent in connection with the operation of the
                     Franchised Business;

              (iv)   fails to comply with any of its material obligations
                     specified in CLAUSES 6.3, 14, 19 and 27;

              (v)    where the Franchisee loses the right to occupy its business
                     premises and fails to secure replacement premises approved
                     by the Franchisor within 14 days thereafter;

              (vi)   if an individual, dies or becomes legally incompetent to
                     carry out the obligations under this Agreement;

              (vii)  where the Franchisee defaults under this Agreement 3 times
                     within any 12 month period;

              (viii) the Franchisee invoices or collects money for providing the
                     Franchised Business directly from Customers;

              (ix)   the Franchisee does not meet the Performance Standards in
                     the manner provided in CLAUSE 20.2.

       (b)    If the Franchisee commits an event of default as described in
              CLAUSE 28 and such default remains unremedied for the period of 7
              days following the expiry of 14 days' written notice by the
              Franchisor to the Franchisee of the default, the Franchisor may
              terminate this Agreement immediately. The Franchisor will give
              written notice to the Franchisee of such termination.

29.2   TERMINATION BY FRANCHISEE

       The Franchisee may terminate this Agreement at any time by giving 90 days
       prior written notice to the Franchisor.

29.3   CROSS DEFAULT

       Where another agreement exists between the Franchisor and the Franchisee,
       any breach by either of them of any term or condition of this Agreement
       or such other agreement will constitute a breach of such other agreement,
       unless this Agreement or the other
<PAGE>   39

       agreement specifies otherwise, and the non-breaching party may exercise
       its rights and remedies provided or implied by this Agreement or at law.

30.    CONSEQUENCES OF TERMINATION

30.1   PAYMENT OF ACCOUNTS

       The Franchisee will pay, within 7 days of the effective date of
       termination or expiration of this Agreement, all amounts owed to the
       Franchisor and any Related Body Corporate including interest, and the
       Franchisee's trade and other creditors which are then unpaid.

30.2   RETURN MATERIALS

       (a)    The Franchisee will, within 7 days of the effective date of
              termination or expiration of this Agreement:

              (i)    deliver to the Franchisor all copies of the Documentation
                     together with all client lists, point of sale material,
                     advertising and marketing materials, computer software and
                     databases, forms, customer listings, stationery, business
                     cards, and other printed matter within the possession,
                     power, custody or control of the Franchisee including those
                     which bear the Trade Marks, Business Name or any other
                     Intellectual Property of the Franchisor; and

              (ii)   transfer to the Franchisor telephone and facsimile numbers
                     and listings, Yellow Pages and any similar directory
                     listings. The Franchisee appoints the Franchisor (or its
                     nominee) as the attorney of the Franchisee to complete such
                     transfers if the Franchisees defaults or refuses to
                     complies with this clause.

       (b)    If the Franchisee does not deliver the material as required in
              CLAUSE 30.2(A), the Franchisee irrevocably authorises the
              Franchisor to enter upon its business premises and take possession
              of such material.

30.3   TRANSFER REGISTRATIONS

       Upon termination or expiration of this Agreement the Franchisee will take
       such action as may be required to cancel, or at the option of the
       Franchisor transfer to the Franchisor or its nominee, at no cost to the
       Franchisor, any registrations relating to the Franchisee's use of the
       Trade Marks.

31.    RESTRAINTS

31.1   RESTRAINT COVENANTS

       The Franchisee covenants that neither it nor its directors, officers or
       shareholders will conduct the Franchised Business or any form of business
       similar to that of the Franchised Business within the Territory or within
       a 5 kilometre radius outside the Territory, directly or indirectly, for a
       period of 2 years from the date of termination of this Agreement without
       the prior written consent of the Franchisor.
<PAGE>   40

31.2   DEEMED CONDUCT OF BUSINESS

       For the purposes of CLAUSE 31.1 the Franchisee and its directors,
       officers, and shareholders will be deemed to have conducted a business
       similar to the Franchised Business directly or indirectly if any of such
       persons:

       (a)    has an interest in such business on its own account, or jointly or
              with or on behalf of any other person, firm or corporation, or as
              an employee, independent contractor, consultant, partner, joint
              venturer or agent of such business, or

       (b)    has an interest in such business through any firm, trust or
              corporation in which the Franchisee, its directors, officers or
              shareholders may be interested as director, officer, shareholder,
              beneficial owner of shares, consultant, lender, adviser or
              otherwise.

31.3   NON SOLICITATION

       The Franchisee covenants that neither it nor its directors, officers or
       shareholders will solicit, canvass or endeavour to obtain contracts or
       arrangements in respect of Customers or those who have been Customers or
       prospective customers at any time throughout the term of this Agreement
       directly or indirectly for a period of 2 years from the date of
       termination of this Agreement without the prior written consent of the
       Franchisor. For the purpose of this clause, any reference to "prospective
       customer" means a person with whom the Franchisee or the Franchisor has
       carried on substantial negotiations or discussions at any time during the
       12 months prior to date of termination of this Agreement.

31.4   NON-ENTICEMENT

       The Franchisee covenants that neither it nor its directors, officers or
       shareholders will entice or attempt to entice, directly or indirectly,
       throughout the Term and for a period of 2 years from the date of
       termination of this Agreement, without the prior written consent of the
       Franchisor, any employee, agent or contractor of the Franchisor or who
       was at any time during the term of this Agreement an employee, agent or
       contractor of the Franchisor from continuing its relationship with the
       Franchisor.

31.5   RESTRAINTS REASONABLE

       The Franchisee acknowledges that the restraints contained in this
       Agreement are reasonable having regard to the nature of the relationship
       and the consideration provided by both parties.

31.6   VALIDITY

       If any of the covenants stated in this clause is or becomes unenforceable
       or invalid, such unenforceability or invalidity will not effect the
       validity and enforceability of the other covenants of this clause which
       will remain binding.

32.    RELATIONSHIP BETWEEN THE PARTIES

       The relationship between the Franchisor and the Franchisee is limited to
       that of Franchisor and Franchisee and nothing contained in this Agreement
       will be construed to create a partnership, joint venture or (except as
       expressly provided) an agency.
<PAGE>   41

33.    DISPUTE RESOLUTION

33.1   PROCEDURE

       If a dispute arises under this Agreement:

       (a)    the complaining party will give written notice to the other party
              setting out the nature of the dispute, the outcome required by the
              complainant and what action the complainant thinks will settle the
              dispute;

       (b)    both parties will make every effort to resolve the dispute by
              mutual negotiation;

       (c)    if the parties are unable to resolve the dispute by mutual
              negotiation within 21 days after commencing negotiations, either
              party may by notice advise the other party that it wishes to have
              the dispute resolved by a mediator;

       (d)    within a further period of 21 days or such other time period
              agreed by the parties, the parties may refer the matter to a
              mutually agreed mediator. If no agreement can be reached on an
              appropriate mediator, either party may ask the mediation adviser
              to appoint a mediator;

       (e)    the mediator may determine the procedures to be followed
              (including the time and place for the mediation), may choose to
              allow the legal adviser of the parties to be present and may
              co-opt other expert assistance;

       (f)    the parties will attend the mediation and genuinely try to resolve
              the dispute;

       (g)    proceedings of the mediator will be as informal as is consistent
              with the proper conduct of the matter and will allow the mediator
              to communicate privately with the parties or with their legal
              advisers;

       (h)    the parties agree that:

              (i)    everything that occurs before the mediator is in confidence
                     and in closed session;

              (ii)   all discussions and settlement offers will be without
                     prejudice;

              (iii)  no documents brought into existence specifically for the
                     purpose of the mediation may be called into evidence in any
                     subsequent litigation by either party;

              (iv)   the mediator will act fairly, in good faith and without
                     bias;

              (v)    each party will have the opportunity to adequately present
                     its case to the mediator;

              (vi)   the mediator will deal with any matter as expeditiously as
                     possible no later than 14 days after referral to the
                     mediator;

              (vii)  the parties will report back to the mediator within 14
                     days, on actions taken, based on the outcome of the
                     mediation; and
<PAGE>   42

              (viii) unless the parties otherwise agree the costs of the
                     mediator will be borne equally.

33.2   OTHER REMEDIES

       Nothing contained in CLAUSE 33.1 will deny a party to the Agreements the
       right to seek injunctive relief from an appropriate Court, where failure
       to obtain such relief would cause irreparable damage to the party
       concerned.

33.3   NOT TO AFFECT TERMINATION RIGHTS

       The provisions of CLAUSE 33.1 will not apply to any events of termination
       provided in CLAUSE 29.1 where the event is clearly specified in the
       Agreement and there is no legitimate dispute as to the interpretation of
       their meaning or factors giving rise to such events.

34.    NOTICES

34.1   METHOD OF GIVING NOTICES

       All notices required or permitted to be given by one party to another
       under this Agreement must be in writing, addressed to the other party
       and:

       (a)    delivered to that party's address; or

       (b)    transmitted by facsimile transmission to that party's address.

34.2   TIME OF RECEIPT

       A notice given to a party under CLAUSE 34.1 is treated as having been
       given and received:

       (a)    if delivered to a party's address on the day of delivery if a
              business day, otherwise on the next following business day; and

       (b)    if transmitted by facsimile to a party's address and a correct and
              complete transmission report is received, on the day of
              transmission if a business day, otherwise on the next following
              business day.

34.3   ADDRESS OF PARTIES

       For the purposes of CLAUSES 34.1 and 34.2 the address of a party is set
       out below or is an address within a radius of 5 kilometres of the GPO
       Sydney of which that party may from time to time give notice to each
       other party:

       THE FRANCHISOR

       Level 9
       54 Miller Street
       NORTH SYDNEY  NSW  2060

       Facsimile: (02) 9922 5733
<PAGE>   43

       THE FRANCHISEE

       The address and facsimile specified in the Schedule.

35.    LAW AND JURISDICTION

35.1   GOVERNING LAW

       This Agreement is governed by the law in force in New South Wales,
       Australia.

35.2   SUBMISSION TO JURISDICTION

       The parties submit to the non-exclusive jurisdiction of the courts of New
       South Wales and any courts that may hear appeals from those courts in any
       proceedings relating this Agreement.

36.    GENERAL

36.1   FRANCHISEE TO PAY FRANCHISOR'S COSTS

       The Franchisee will pay the Franchisor's costs, expenses and outgoings
       including the costs of the Franchisor's solicitors on a solicitor and own
       client basis for the preparation, negotiation and execution of this
       Agreement (limited to a maximum of $300.00) and any stamp duty which may
       be assessed on this Agreement upon demand by the Franchisor.

36.2   CONTINUING OBLIGATIONS

       All obligations of the parties which expressly, or by their nature, are
       to survive the expiration or termination of this Agreement will continue
       in full force and effect, including without limitation the provisions of
       CLAUSE 30 insofar as they relate to periods prior to termination of this
       Agreement.

36.3   NO SET-OFF

       The Franchisee will not withhold payment of any amount due under this
       Agreement for any reason.

36.4   UNENFORCEABLE PARTS SEVERABLE

       Any provision of this Agreement which is unenforceable in a jurisdiction
       will be ineffective to the extent of the unenforceability without
       invalidating the remaining provisions of this Agreement or affecting the
       validity or enforceability of the provision in another jurisdiction.

36.5   AMENDMENT

       This Agreement may only be amended or supplemented only in writing signed
       by the parties.

36.6   COUNTERPARTS

       This Agreement may be executed in any number of counterparts and all of
       those counterparts taken together constitute one and the same instrument.
<PAGE>   44

36.7   ATTORNEYS

       Any attorney who executes this Agreement on behalf of a party declares
       that the attorney has no notice of revocation of the power of attorney
       under the authority of which the attorney executes this Agreement and no
       notice of the death of the grantor.

36.8   WAIVER

       The non-exercise of or delay in exercising any power or right of a party
       will not operate as a waiver of that power or right, nor does any single
       exercise of a power or right preclude any other or further exercise of it
       or the exercise of any other power or right. A power or right may only be
       waived in writing, signed by the party to be bound by the waiver.

36.9   FURTHER ASSURANCE

       Each party will, and will procure that each of its employees, agents and
       contractors will, execute and deliver all deeds, documents and
       instruments and take all acts reasonably necessary to carry out and give
       full effect to this Agreement and the rights and obligations of the
       parties under it.

36.10  FORCE MAJEURE

       Any delay or non-performance of any provision of this Agreement (other
       than for the payment of amounts due ) caused by conditions beyond the
       reasonable control of the performing party will not constitute a breach
       of this Agreement. The time for performance of such provision, if any,
       will be deemed to be extended for a period equal to the duration of the
       conditions preventing performance.

36.11  ENTIRE AGREEMENT

       This Agreement and any annexures constitute the entire agreement of the
       parties on the subject matter. The only enforceable obligations and
       liabilities of the parties in relation to the subject matter are those
       that arise out of this Agreement. All representations, communications and
       prior agreements in relation to the subject matter are merged in and
       superseded by this Agreement.

36.12  TIME

       Unless provided for in any other manner, the time for a party to comply
       with an obligation will be of the essence.
<PAGE>   45

EXECUTED AS A DEED in New South Wales

THE FRANCHISOR

EXECUTED by ZLAND AUSTRALIA PTY        )
LIMITED ACN 085 819 067 by:            )
                                       )
_____________________________________  )   _____________________________________
             Director                  )                Secretary
                                       )
_____________________________________  )   _____________________________________
        Name (BLOCK LETTERS)           )           Name (BLOCK LETTERS)
                                       )

THE FRANCHISEE
(IF A BODY CORPORATE)
EXECUTED by                            )
___________________________ ACN        )   _____________________________________
_________________________________ by:  )                Secretary
                                       )
_____________________________________  )   _____________________________________
             Director                  )           Name (BLOCK LETTERS)

_____________________________________
        Name (BLOCK LETTERS)

THE FRANCHISEE                         )
(IF AN INDIVIDUAL)                     )
SIGNED by                              )
                                       )
_____________________________________  )
in the presence of:                    )
                                       )
_____________________________________  )
        Signature of witness           )   _____________________________________
                                       )
_____________________________________  )
   Name of witness - please print      )
                                       )
_____________________________________  )
         Address of witness
<PAGE>   46

                                    SCHEDULE
                                   INFORMATION

Item 1:  The Franchisee

Item 2:  Company Store Arrangements (Clause 13)

Item 3:  Core Services (Clause 2.2)

Item 4:  Deposit - $1,000.00 (Clause 4.1)

Item 5:  Equipment (Clause 14.13)

Item 6:  Franchisee Advertising Fee - not less than $250.00 per month for the
         first year of the Term and thereafter not less than 1% of the Gross
         Fees (Clause 11.1)

Item 7:  Franchise Fee - $50,000.00 (Clauses 4.2 and 7.1)

Item 8:  Franchisor's Bank Account

Item 9:  National Advertising Fee - the greater of 1% of the Gross Fees in each
         Accounting Month or $250.00 (subject to an annual adjustment for
         inflation) (Clauses 7.2 and 10.1)

Item 10: Renewal Fee - the greater of 25% of the then current Franchise Fee or
         $12,500.00 (Clause 7.3)

Item 11: Renewal Term means years (Clause 3.3)

Item 12: Territory (Clause 5.1)

Item 13: Trade Marks (Clause 9)

Item 14: Transfer Fee - $4,000.00 plus 25% of the then current Franchise Fee
         (Clauses 20 and 27.2)
<PAGE>   47

                                   ANNEXURE A
                              COMPLIANCE DOCUMENTS
<PAGE>   48

          FRANCHISEE'S ACKNOWLEDGMENT OF RECEIPT OF FRANCHISE DOCUMENTS

I/we
________________________________________________________________________________

of
________________________________________________________________________________

as a franchisee/prospective franchisee state that:

1.     I/we have received the disclosure document dated _________________
       November 1999 (DISCLOSURE DOCUMENT) with the following document attached:

       (a)    a copy of the Franchise Agreement which includes the following:

              (i)    a set of compliance documents including:

                     A.     Statement of Franchisee Concerning Independent
                            Advice;

                     B.     Certificate of Independent Legal Advisor;

                     C.     Certificate of Independent Business Advisor;

                     D.     Certificate of Independent Financial Advisor; and

                     E.     Statement of Cessation of Business Under Business
                            Name;

              (ii)   Manual;

              (iii)  Franchisee's Non-Disclosure Agreement; and

              (iv)   Other Party's Non-Disclosure Agreement; and

       (b)    a copy of the Franchise Code of Conduct (CODE).

2.     I/we have read the Disclosure Document, the Franchise and Agency
       Agreement and all of its annexures and the Code.

3.     I/we have had a reasonable opportunity to understand the Disclosure
       Document, the Franchise and Agency Agreement and all of its annexures and
       the Code.

Signed on _________________________________________

________________________________________________________________________________
Franchisee/Prospective Franchisee

________________________________________________________________________________
(Printed name of Franchisee/Prospective Franchisee)
<PAGE>   49
              STATEMENT OF FRANCHISEE CONCERNING INDEPENDENT ADVICE

I/we
________________________________________________________________________________

of
________________________________________________________________________________

as a prospective franchisee state that:

1.     I/we have been given advice about the proposed franchise agreement or
       franchised business by one or more of the following:

       (a)    [ ] an independent legal adviser, a copy of whose signed statement
              is attached;

       (b)    [ ] an independent business adviser, a copy of whose signed
              statement is attached;

       (c)    [ ] an independent accountant, a copy of whose signed statement is
              attached; or

2.     If no such advice or statement was given:

       (a)    I/we state that I/we have been given legal, business or accounting
              advice about the proposed franchise agreement or franchised
              business; or

       (b)    I/we state that I/we have been told that that kind of advice
              should be sought but have decided not to seek it.

Signed on _________________________________________.

________________________________________________________________
Prospective Franchisee

________________________________________________________________
(Printed Name of Prospective Franchisee)
<PAGE>   50

                    CERTIFICATE OF INDEPENDENT LEGAL ADVISOR

I, _________________________________________________being a Solicitor in the
employ of / partner in _____________________________________________ solicitors,
and holding a full unrestricted practising certificate hereby certify that:

1.     prior to ________________________________________________ (FRANCHISEE)
       executing the Franchise Agreement between ZLand Australia Pty Limited and
       the Franchisee (FRANCHISE AGREEMENT):

       (a)    I explained to it/them the provisions in the Franchise Agreement;

       (b)    I drew to the attention of the Franchisee:

              (i)    its/their respective financial obligations and other
                     obligations to be performed and observed; and

              (ii)   the consequences if obligations were not so performed and
                     observed; and

2.     to the best of my knowledge the Franchisee indicated that it/they
       understood my advice;

3.     to the best of my information and belief the Franchise Agreement was
       entered into voluntarily; and

4.     it is my opinion that the Franchisee appeared to be aware of and
       understood its/their obligations pursuant to the Franchise Agreement.

I advise having informed the Franchisee that accounting and finance advice
should be sought as to the financial and related matters concerning the
franchised business and the franchise.

Dated:

Signed:_____________________________________

       _____________________________________
       (Printed Name of Solicitor)
<PAGE>   51

                   CERTIFICATE OF INDEPENDENT BUSINESS ADVISOR

I, _________________________________________________being an employee of /
partner in _____________________________________________ business advisers,
hereby certify that:

1.     I have been instructed by
       ________________________________________________ (FRANCHISEE) to explain
       the business risks and implications being assumed by the Franchisee
       arising from the Franchise Agreement between ZLand Australia Pty Limited
       and the Franchisee (FRANCHISE AGREEMENT);

2.     Prior to the Franchisee executing the Franchise Agreement, I gave the
       Franchisee advice in respect the business risks and implications of the
       Franchise Agreement;

3.     I informed the Franchisee in very clear terms that I was not expressing
       my opinion nor advising on the legal, financial or taxation aspects of
       the Franchise Agreement;

4.     I further informed the Franchisee that if in any doubt on those aspects,
       the Franchisee should obtain independent legal, financial and tax advice
       before signing the Franchise Agreement; and

5.     Following my explanations, the Franchisee stated to me that the
       Franchisee understood my advice as to the business risks and implications
       in respect of the Franchise Agreement.

Dated:

Signed:_____________________________________

       _____________________________________
       (Printed Name of Business Adviser)
<PAGE>   52

                  CERTIFICATE OF INDEPENDENT FINANCIAL ADVISOR

I, _________________________________________________being an employee of /
partner in _____________________________________________ accountants, hereby
certify that:

1.     I have been instructed by _______________________________________________
       (FRANCHISEE) to explain the financial risks and taxation implications
       being assumed by the Franchisee arising from the Franchise Agreement
       between ZLand Australia Pty Limited and the Franchisee (FRANCHISE
       AGREEMENT);

2.     Prior to the Franchisee executing the Franchise Agreement, I gave
       financial and taxation advice in respect of the Franchise Agreement;

3.     I informed the Franchisee in very clear terms that I was not expressing
       my opinion nor advising on the legal aspects of the Franchise Agreement;

4.     I further informed the Franchisee that if in any doubt on those aspects,
       the Franchisee should obtain independent legal advice before signing the
       Franchise Agreement; and

5.     Following my explanations, the Franchisee stated to me that the
       Franchisee understood my advice as to the financial and taxation
       implications in respect of the Franchise Agreement.

Dated:

Signed:_____________________________________

       _____________________________________
       (Printed Name of Financial Adviser)
<PAGE>   53

             STATEMENT OF CESSATION OF BUSINESS UNDER BUSINESS NAME

The undersigned proprietor of the business name ________________________________
(BUSINESS NAME), Registration Number _____________________________________ in
the State of __________________________________________ (STATE) has ceased to
carry on business in the State under the Business Name on _____________________,
2000, and no other person has commenced to carry on business under the Business
Name.

The proprietor:

1.     requests that the State cancel the registration of the Business Name; and

2.     authorises ZLand Australia Pty Limited to execute all documents required
       by the State to carry out the cancellation of the registration of the
       Business Name.

Proprietor:

_______________________________________________________________

_______________________________________________________________
(Printed name of Proprietor)
<PAGE>   54

                                   ANNEXURE B

                      FRANCHISEE'S NON DISCLOSURE AGREEMENT
<PAGE>   55

                      FRANCHISEE'S NON DISCLOSURE AGREEMENT

THIS AGREEMENT is made on                                                   2000

PARTIES

1.     ZLAND AUSTRALIA PTY LIMITED (ACCN 085 819 067) of Suite 1, Level 9, 54
       Miller Street, North Sydney, New South Wales 2060 (FRANCHISOR).

2.     THE PERSON OR CORPORATION SPECIFIED IN SCHEDULE 1 (FRANCHISEE).

RECITALS

A.     The Franchisor is the owner of or has the right to licence a suite of
       Internet-based business systems marketed under its trade mark and
       corporate image in accordance with the methodologies developed by the
       Franchisor.

B.     The Franchisor has developed a business model using such business system
       which it wishes to franchise.

C.     The Franchisee wishes to evaluate the business model and business system
       and has asked the Franchisor to disclose certain information about such
       business model and business system that the Franchisor designated as
       confidential and proprietary.

D.     In consideration of the Franchisor disclosing such confidential and
       proprietary information to the Franchisee, the Franchisee has agreed to
       keep such information confidential and to maintain such confidence on the
       terms and conditions which follow.

OPERATIVE PROVISIONS

1.     DEFINITIONS

       In the construction of this Agreement unless the contrary intention
       appears:

       BUSINESS SYSTEM means the Internet-based computer system adapted for
       integration with interactive computer networks for business enterprises,
       database enabled forms, communication systems and web page hosting
       services.

       CONFIDENTIAL INFORMATION means all confidential information of the
       Franchisor or any related body corporate as that term is defined in the
       Corporations Law, and includes:

       (a)    confidential information relating to the Business System and any
              Documentation;

       (b)    information relating to the policies, business plans, financial
              information, client and customer lists and other confidential
              information; and copyright in and to all Documentation and other
              material in possession of the Franchisor relating to the conduct
              of the Franchised Business;

       (c)    the information, know-how and expertise comprising the Business
              System;
<PAGE>   56

       (d)    all of the copyright, trade marks, trade secrets and intellectual
              property owned by or licensed to the Franchisor;

       (e)    information relating to the terms and conditions of the Franchise
              Agreement; and

       (f)    any information of the Franchisor identified or reasonably
              identified as confidential and proprietary information of the
              Franchisor or any related body corporate.

       DOCUMENTATION means the complete or partial copies of the standard
       documentation relating to the Business System, in human or
       machine-readable format or in any other medium, including any operations
       manuals, any specifications and functional specifications for the
       Business System, any program listings, data models, flow charts, logic
       diagrams, input and output forms and instructions relating to the
       Business System.

       FRANCHISE AGREEMENT means the agreement between the Franchisor and the
       Franchisee relating to the Franchised Business.

       FRANCHISED BUSINESS means the provision by the Franchisee pursuant to the
       Franchise Agreement of the Business System and supply of related services
       to customers or potential customers of the Franchisee and any other
       activities reasonably related to it.

       INVENTIONS means all inventions, discoveries and designs, whether or not
       registerable as such, including any developments of and improvements to
       any part of the Business System and the know how, expertise and
       techniques used by the Franchisee in conducting the Franchised Business.

       MODIFICATIONS means any modifications, adaptations or extensions of any
       component or element of the Business System.

       SERVICES means the services to be provided by the Franchisee or the
       Franchisor at the request of the Franchisee or a Customer to the
       Franchisee in relation to the Franchised Business whether as an employee,
       consultant, independent contractor or otherwise.

TERMINATION means the earlier to occur of:

       (a)    the termination or discontinuance of this Agreement which will
              occur when the cooling off period defined in the Franchise
              Agreement has expired and the Franchise Agreement has become
              binding on the Franchisee; or

       (b)    the withdrawal prior to the expiration of the cooling off period
              of the Franchisee's offer to enter into the Franchise Agreement.

2.     CONFIDENTIAL INFORMATION

2.1    DISCLOSURE PROHIBITED

       The Franchisee acknowledges that while evaluating the Franchised
       Business, it may become acquainted with or have access to the
       Confidential Information. The Franchisee will keep the Confidential
       Information confidential and prevent its unauthorised disclosure to or
       use by any other person.
<PAGE>   57
2.2    RESTRICTED PURPOSE

       The Franchisee will not use the Confidential Information for any purpose
       other than to evaluate the Franchised Business.

2.3    REPRODUCTION PROHIBITED

       The Franchisee will not appropriate, copy, memorise or in any manner
       reproduce any of the Confidential Information unless directed by the
       Franchisor.

2.4    RETURN OF CONFIDENTIAL INFORMATION

       The Franchisee will return all Confidential Information in the possession
       or under the control of the Franchisee on the earlier of the request by
       the Franchisor or Termination.

2.5    PERMITTED DISCLOSURES

       Nothing in this Agreement will obligate the Franchisee to maintain any
       Confidential Information in confidence which is:

       (a)    required to be disclosed pursuant to a lawful order of any court
              or government authority; or

       (b)    in the public domain at the time the Franchisee receives it.

3.     TITLE TO BUSINESS SYSTEM

3.1    PROPERTY

       The Franchisee acknowledges that the Business System, the Confidential
       Information and any goodwill attached to them is the property of the
       Franchisor or the grantor of such rights to the Franchisor.

3.2    INVENTIONS AND MODIFICATIONS

       Any Inventions or Modifications developed or created by the Franchisor,
       whether solely or jointly with others, in the course of providing the
       Services are the property of the Franchisor:

3.3    DISCLOSURE

       The Franchisee will promptly disclose in writing all Inventions and
       Modifications to the Franchisor.

3.4    ASSIGNMENT

       The Franchisee assigns all of its right, title and interest in and to the
       Inventions and Modifications, including without limitation all
       intellectual property rights, to the Franchisor or its nominee. The
       Franchisee will execute all documents required by the Franchisor and take
       such other actions as the Franchisor may reasonably require to effect
       such assignment.
<PAGE>   58
4.     RESTRAINTS

4.1    NON-SOLICITATION

       The Franchisee covenants that neither it nor, if a body corporate, its
       directors, officers or shareholders, will solicit, canvass or endeavour
       to obtain contracts or arrangements with current or past customers or
       prospective customers of the Franchisee, directly or indirectly, for a
       period of 2 years from the date of Termination without the prior written
       consent of the Franchisor. In this clause, any reference to "customer" or
       "prospective customer" means a person with whom the Franchisee has
       carried on substantial negotiations or discussions at any time during the
       12 months prior to date of Termination.

4.2    NON-ENTICEMENT

       The Franchisee covenants that neither it nor, if a body corporate, its
       directors, officers or shareholders, will entice or attempt to entice,
       directly or indirectly, for a period of 2 years from the date of
       Termination, any employee, agent or contractor of the Franchisor, or who
       was at any time prior to the date of Termination an employee, agent or
       contractor of the Franchisor, from continuing in its relationship with
       the Franchisor, without the prior written consent of the Franchisor.

4.3    INDEPENDENT RESTRAINT

       Each of the covenants constitutes an independent and separate restraint
       imposed on the Franchisee under this Agreement.

4.4    RESTRAINTS REASONABLE

       The Franchisee acknowledges that the restraints contained in this
       Agreement are reasonable having regard to the nature of the Franchisor's
       legitimate business interest in the Franchised Business.

4.5    VALIDITY

       If any of the restraints contained this clause is or will become
       unenforceable, the validity and enforceability of the other restraints
       imposed will not be affected and will remain binding on the Franchisee.

5.     BREACH

       In the event of a breach or threatened breach of the terms of this
       Agreement by the Franchisee, the Franchisor may:

       (a)    obtain an injunction restraining the Franchisee from committing
              any breach of this Agreement without showing or proving any actual
              loss sustained by the Franchisor;

       (b)    bring a claim for damages for any loss suffered, either directly
              on indirectly, by the Franchisor as a consequence of any such
              breach; or

       (c)    both (a) and (b).
<PAGE>   59
6.     INDEMNITY

       The Franchisee will indemnify the Franchisor for any loss or damage
       suffered by the Franchisor from any breach of the Franchisee's
       obligations or undertakings including without limitation all damages,
       liability, losses, claims and expenses (including legal expenses).

7.     CONSULTANTS AND EMPLOYEES

       The Franchisee will be responsible for the actions of each party to which
       it discloses, or which will have access to, any Confidential Information.
       The Franchisee will ensure that each party who will have access to the
       Confidential information becomes bound by the obligations created under
       this Agreement prior to disclosing any Confidential Information to them.

8.     OBLIGATIONS SHALL SURVIVE

       The obligations of the Franchisee in this Agreement will continue in full
       force and effect for 2 years after the date of Termination.

9.     RIGHTS

       This Agreement will not be construed as granting the Franchisee any
       rights to the Business System, Confidential Information or Franchised
       Business unless specifically agreed by the parties in writing.

EXECUTED in SYDNEY ON ______________________________ 2000.

EXECUTED by ZLAND AUSTRALIA PTY        )
LIMITED ACN 085 819 067 by:            )
                                       )    _________________________________
                                       )       Sole Director and Secretary
                                       )
                                       )    _________________________________
                                       )           Name (BLOCK LETTERS)
                                       )

FRANCHISEE (IF A COMPANY)
EXECUTED by                            )
___________________________ ACN        )
____________________________________   )    _________________________________
by:                                    )       Sole Director and Secretary
                                       )
                                       )    _________________________________
                                       )           Name (BLOCK LETTERS)
                                       )
<PAGE>   60

FRANCHISEE (IF AN INDIVIDUAL)
SIGNED by
_____________________________________  )    _________________________________
in the presence of:                    )
                                       )
_____________________________________  )
Signature of witness                   )
                                       )
_____________________________________  )
Name of witness - please print         )
                                       )
_____________________________________  )
Address of witness                     )
<PAGE>   61

                                  THE SCHEDULE

The Franchisee

<PAGE>   62

                                   ANNEXURE C
                                     MANUAL

<PAGE>   63

                                   ANNEXURE D
                      OTHER PARTY NON DISCLOSURE AGREEMENT

<PAGE>   64

                      OTHER PARTY NON DISCLOSURE AGREEMENT

THIS AGREEMENT is made on                                                  2000

PARTIES

1.       THE PERSON OR CORPORATION SPECIFIED IN ITEM 1 OF SCHEDULE 1
         (FRANCHISEE).

2.       THE PERSON OR CORPORATION SPECIFIED IN ITEM 2 OF SCHEDULE 1 (SERVICE
         PROVIDER).

RECITALS

A.       The Franchisee is the operator of a business which has the right to
         licence certain Internet-based business systems pursuant to an
         agreement with ZLand Australia Pty Limited.

B.       The Franchisee wishes to engage the Service Provider to provide certain
         services in connection with the Franchisee's business.

C.       In the course of providing such services the Service Provider will have
         access to or may become acquainted with confidential information of the
         Franchisee.

D.       The Service Provider agrees to provide the services on the terms and
         conditions which follow.

OPERATIVE PROVISIONS

1.       DEFINITIONS

         In the construction of this Agreement unless the contrary intention
         appears:

         BUSINESS SYSTEM means the Internet-based computer system adapted for
         integration with interactive computer networks for business
         enterprises, database enabled forms, communication systems and web page
         hosting services.

         CONFIDENTIAL INFORMATION means all confidential information of ZLand or
         the Franchisee or any related body corporate as that term is defined in
         the Corporations Law, and includes:

         (a)      confidential information relating to the Business System and
                  any Documentation;

         (b)      information relating to the policies, business plans,
                  financial information, client and customer lists and other
                  confidential information; and copyright in and to all
                  Documentation and other material in possession of the
                  Franchisee relating to the conduct of the Franchised Business;

         (c)      the information, know-how and expertise comprising the
                  Business System;

         (d)      all of the copyright, trade marks, trade secrets and
                  intellectual property owned by or licensed to ZLand or the
                  Franchisee;

         (e)      information relating to the terms and conditions of the
                  Franchise Agreement; and

<PAGE>   65
         (f)      any information of ZLand or the Franchisee identified or
                  reasonably identified as confidential and proprietary
                  information of ZLand or the Franchisee or any related body
                  corporate.

         DOCUMENTATION means the complete or partial copies of the standard
         documentation relating to the Business System, in human or
         machine-readable format or in any other medium, including any
         operations manuals, any specifications and functional specifications
         for the Business System, any program listings, data models, flow
         charts, logic diagrams, input and output forms and instructions
         relating to the Business System.

         FRANCHISE AGREEMENT means the agreement between ZLand and the
         Franchisee relating to the Franchised Business.

         FRANCHISED BUSINESS means the provision by the Franchisee pursuant to
         the Franchise Agreement of the Business System and supply of related
         services to customers or potential customers of the Franchisee and any
         other activities reasonably related to it.

         INVENTIONS means all inventions, discoveries and designs, whether or
         not registerable as such, including any developments of and
         improvements to any part of the Business System and the know how,
         expertise and techniques used by the Franchisee in conducting the
         Franchised Business.

         MODIFICATIONS means any modifications, adaptations or extensions of any
         component or element of the Business System.

         SERVICES means the services to be provided by the Service Provider to
         the Franchisee or ZLand in relation to the Franchised Business whether
         as an employee, consultant, independent contractor or otherwise.

TERMINATION means the termination or discontinuance of this Agreement.

         ZLAND means ZLand Australia Pty Limited.

2.       CONFIDENTIAL INFORMATION

2.1      DISCLOSURE PROHIBITED

         The Service Provider acknowledges that while providing the Services,
         the Service Provider may become acquainted with or have access to the
         Confidential Information. The Service Provider will keep the
         Confidential Information confidential and prevent its unauthorised
         disclosure to or use by any other person.

2.2      RESTRICTED PURPOSE

         The Service Provider will not use the Confidential Information for any
         purpose other than to provide the Services.

2.3      NON-REMOVAL

         The Service Provider will not remove the Confidential Information or
         any material containing the Confidential Information from the premises
         of the Franchisee without the prior written consent of the Franchisee.

<PAGE>   66

2.4      REPRODUCTION PROHIBITED

         The Service Provider will not appropriate, copy, memorise or in any
         manner reproduce any of the Confidential Information unless directed by
         the Franchisee.

2.5      RETURN OF CONFIDENTIAL INFORMATION

         The Service Provider will return all Confidential Information in the
         possession or under the control of the Service Provider on the earlier
         of the request by the Franchisee or Termination.

2.6      PERMITTED DISCLOSURES

         Nothing in this Agreement will obligate the Service Provider to
         maintain any Confidential Information in confidence which is:

         (a)      required to be disclosed pursuant to a lawful order of any
                  court or government authority;

         (b)      in the public domain at the time the Service Provider receives
                  it.

3.       TITLE TO BUSINESS SYSTEM

3.1      PROPERTY

         The Service Provider acknowledges that the Business System, the
         Confidential Information and any goodwill attached to them is the
         property of ZLand or the grantor of such rights to the Franchisor.

3.2      INVENTIONS AND MODIFICATIONS

         Any Inventions or Modifications developed or created by the Service
         Provider, whether solely or jointly with others, in the course of
         providing the Services are the property of ZLand.

3.3      DISCLOSURE

         The Service Provider will promptly disclose in writing all Inventions
         and Modifications to the Franchisor.

3.4      ASSIGNMENT

         The Service Provider assigns all of its right, title and interest in
         and to the Inventions and Modifications, including without limitation
         all intellectual property rights, to ZLand or its nominee. The
         Franchisee will execute all documents required by ZLand or the
         Franchisee and take such other actions as ZLand or the Franchisee may
         reasonably require to effect such assignment.

<PAGE>   67
4.       RESTRAINTS

4.1      NON-SOLICITATION

         The Service Provider covenants that neither it nor, if a body
         corporate, its directors, officers or shareholders, will solicit,
         canvass or endeavour to obtain contracts or arrangements with current
         or past customers or prospective customers of ZLand or the Franchisee,
         directly or indirectly, for a period of 2 years from the date of
         Termination without the prior written consent of ZLand or the
         Franchisee. In this clause, any reference to "customer" or "prospective
         customer" means a person with whom ZLand or the Franchisee has carried
         on substantial negotiations or discussions at any time during the 12
         months prior to date of Termination.

4.2      NON-ENTICEMENT

         The Service Provider covenants that neither it nor, if a body
         corporate, its directors, officers or shareholders, will entice or
         attempt to entice, directly or indirectly, for a period of 2 years from
         the date of Termination, any person who was:

         (a)      an employee, agent or contractor of ZLand or the Franchisee;
                  or

         (b)      at any time prior to the date of Termination an employee,
                  agent or contractor of ZLand or the Franchisee,

         from continuing in its relationship with ZLand or the Franchisee,
         without the prior written consent of ZLand or the Franchisee.

4.3      INDEPENDENT RESTRAINT

         Each of the covenants constitutes an independent and separate restraint
         imposed on the Service Provider under this Agreement.

4.4      RESTRAINTS REASONABLE

         The Service Provider acknowledges that the restraints contained in this
         Agreement are reasonable having regard to the nature of the
         Franchisee's legitimate business interest in the Franchised Business.

4.5      VALIDITY

         If any of the restraints contained this clause is or will become
         unenforceable, the validity and enforceability of the other restraints
         imposed will not be affected and will remain binding on the Service
         Provider.

5.       BREACH

         In the event of a breach or threatened breach of the terms of this
         Agreement by the Service Provider ZLand or the Franchisee may:

         (a)      obtain an injunction restraining the Service Provider from
                  committing any breach of this Agreement without showing or
                  proving any actual loss sustained by ZLand or the Franchisee;

<PAGE>   68

         (b)      bring a claim for damages for any loss suffered, either
                  directly on indirectly, by ZLand or the Franchisee as a
                  consequence of any such breach; or

         (c)      both (a) and (b).

6.       INDEMNITY

         The Service Provider will indemnify ZLand and the Franchisee for any
         loss or damage suffered by ZLand or the Franchisee from any breach of
         the Service Provider's obligations or undertakings including without
         limitation all damages, liability, losses, claims and expenses
         (including legal expenses).

7.       OBLIGATIONS SHALL SURVIVE

         The obligations of the Service Provider in this Agreement will continue
         in full force and effect for 2 years after the date of Termination.

8.       RIGHTS

         This Agreement not be construed as granting the Service Provider any
         rights to the Business System, the Confidential Information or the
         Franchised Business unless specifically agreed by the parties in
         writing.

EXECUTED in SYDNEY ON __________________ 2000.

ZLAND AUSTRALIA PTY LIMITED              )
                                         )
EXECUTED by ZLAND AUSTRALIA PTY          )      _______________________________
LIMITED ACN 085 819 067 by:              )        Sole Director and Secretary
                                         )
                                         )      _______________________________
                                         )            Name (BLOCK LETTERS)
                                         )

THE FRANCHISEE

EXECUTED by ________________ ACN         )
_________________________________ by:    )
                                         )
                                         )
_________________________________        )      ______________________________
           Director                      )                Secretary
                                         )
                                         )
_________________________________               ______________________________
     Name (BLOCK LETTERS)                             Name (BLOCK LETTERS)

<PAGE>   69

THE SERVICE PROVIDER (IF A COMPANY)           )
EXECUTED by ___________________________ ACN   )  ______________________________
____________________________________ by:      )    Sole Director and Secretary
                                              )
                                              )  ______________________________
                                              )        Name (BLOCK LETTERS)

THE SERVICE PROVIDER (IF AN INDIVIDUAL)

SIGNED by _______________________________ in  )
the presence of:                              )  ______________________________
                                              )
                                              )
____________________________________________  )
           Signature of witness               )
                                              )
____________________________________________  )
        Name of witness - please print        )
                                              )
                                              )
____________________________________________  )
               Address of witness             )

<PAGE>   70

                                   SCHEDULE 1

Item 1:      The Franchisee

Item 2:      The Service Provider<PAGE>   1
                                                                   EXHIBIT 10.15

                              EMPLOYMENT AGREEMENT

This Employment Agreement is made and entered into by and between Zland inc.
(the "Company") and John Veenstra. ("Veenstra").

                                    RECITALS

A.     On July 8, 1999 (the "Commencement Date") Veenstra was employed by the
       Company as its Chairman and Chief Executive Officer and is hereby bound
       by this Employment Agreement;

       NOW, THEREFORE, in consideration of the promises and benefits contained
       in this Agreement, Veenstra and the Company hereby agree as follows:

       1.     Position and Duties: Veenstra shall continue to be employed by
              the Company as its Chairman and Chief Executive. As Chairman and
              CEO, Veenstra agrees to devote his full business time, energy and
              skill to his duties at the Company. These duties shall include,
              but not be limited to, any duties consistent with his position
              which may be assigned to Veenstra from the Zland Board of
              Directors.

       2.     Term of Employment: Veenstra's employment with the Company
              pursuant to this Agreement shall be on an at-will basis, subject
              to the provisions regarding termination set forth below. Upon
              termination of Veenstra's employment with the Company, neither
              Veenstra nor the Company shall have any further obligation or
              liability to the other, except as set forth in Paragraphs 3(c ),
              4, and 5 below.

       3.     Compensation: Veenstra shall be compensated by the Company for his
              services as follows:

              (a)    Base Salary: Veenstra shall be paid a monthly base salary
                     of twenty thousand dollars ($20,000.00) (two hundred forty
                     thousand dollars ($240,000.00) on an annualized basis),
                     subject to applicable withholding and paid in accordance
                     with the Company's normal payroll procedures. Such salary
                     will be reviewed on an annual basis and adjustments made as
                     deemed appropriate by the Compensation Committee of the
                     Board of Directors. Any decrease in salary may be viewed as
                     a material event at Veenstra's sole discretion and
                     therefore trigger termination clauses as set forth in
                     Paragraphs 4 and 5 below.

              (b)    Benefits: Veenstra shall have the right, on the same basis
                     as other employees of the Company, to participate in and to
                     receive benefits under any of the Company's benefit plans,
                     including medical, dental and group insurance plans for
                     Veenstra and his immediate family. Veenstra shall also be
                     entitled to participate in

                                       1
<PAGE>   2

                     any 401(k) Plan or Employee Stock Purchase Plan that the
                     Company may offer, now or in the future, in accordance with
                     its terms. In addition, Veenstra shall be entitled to the
                     benefits afforded to other employees under the Company's
                     vacation, holiday and business expense reimbursement
                     policies.

              (c)    Executive Incentive Compensation Plan: Veenstra will be
                     eligible to receive, in addition to his Base Salary, an
                     annual incentive compensation payment which would equal, at
                     a minimum, fifty percent (50%) of Veenstra's current Base
                     Salary, and at a maximum, seventy-five (75%) of Veenstra's
                     Base Salary, provided the Company achieves pre-defined
                     goals for that period. These goals will be determined
                     mutually between Veenstra and the Board of Directors.

                     Similar bonuses will apply in subsequent fiscal years.
                     These payments will normally be made on a six month
                     retroactive basis, by August 30th of the current fiscal
                     year, and February 28th of the next fiscal year.

                     In the event that Veenstra terminates his employment
                     voluntarily, Veenstra shall be entitled to receive a
                     payment pro-rated in accordance with the period of
                     Veenstra's employment with the Company during the
                     applicable fiscal year, provided that the predetermined
                     goals for that period were met. Payment in this case will
                     be made at the normal August 30th or February 28th
                     interval.

              (d)    Stock Options: Veenstra, will be granted a option, as part
                     of this contract, to purchase 500,000 shares of the
                     Company's common stock at a pre-IPO price not to exceed
                     $9.00/share. The shares subject to this option will vest as
                     follows: (A) upon the one (1) year anniversary of the
                     Commencement date, 25%; (B) thereafter, 2.0833% per month.

                     In addition, Veenstra will be granted a contract bonus of
                     100,000 shares of the Company's common stock at a pre-IPO
                     price not to exceed $9.00/share. The shares subject to this
                     option will be vested immediately.

       4.     Benefits Upon Voluntary Termination: In the event that Veenstra
              voluntarily resigns from his employment with the Company, Veenstra
              shall be entitled to no compensation or benefits other than those
              earned in Paragraph 3 above through the date of his termination,
              unless the Company materially altered Veenstra's duties,
              responsibilities, authority or compensation from that set forth in
              Paragraphs 1 and 3 above. In that event, Paragraph 5(b) shall
              apply. Veenstra will have one (1) year from

                                       2
<PAGE>   3

              the date of his resignation to exercise any stock options that
              were vested prior to the date of his resignation.

              In the event that Veenstra's employment terminates as a result of
              his death or disability, Veenstra shall be entitled to the
              benefits described in Paragraph 5(c).

       5.     Benefits Upon Other Termination: Veenstra agrees that his
              employment may be terminated by the Company at any time, with or
              without cause. In the event of the termination of Veenstra's
              employment by the Company for the reasons set forth below, he
              shall be entitled to the following:

              (a)    Termination for Cause: If Veenstra's employment is
                     terminated by the Company for Cause as defined below,
                     Veenstra shall be entitled to no compensation or benefits
                     other than those earned under Paragraph 3 through the date
                     of his termination. Veenstra will have one (1) year from
                     the date of his termination to exercise any stock options
                     that were vested prior to the date of his termination.

                     For purposes of this Agreement, a termination "for Cause"
                     may only occur if Veenstra is terminated for any of the
                     following reasons:

                     (i)    theft, dishonesty, or falsification of any
                            employment or Company records;

                     (ii)   improper disclosure of the Company's confidential or
                            proprietary information;

                     (iii)  failure or inability to perform any reasonable
                            assigned duties after written notice from the
                            Company of, and a reasonable opportunity to cure
                            such failure or inability; or

                     (iv)   Veenstra's conviction of any criminal act which
                            impairs his ability to perform his duties under this
                            Agreement.

              (b)    Termination for Other Than Cause: If Veenstra's employment
                     is terminated by the Company for any reason Other Than
                     Cause and not as a result of death or disability as set
                     forth in Paragraph 4, and not a result of a Change of
                     Control as set forth in subparagraph 5(c) below, Veenstra
                     shall be entitled to receive a lump sum severance payment
                     equal to twelve (12) month's Base Compensation plus 50%
                     bonus, less applicable withholding, at his final monthly
                     salary rate. This payment shall be made immediately upon
                     termination. Veenstra will also be entitled to full
                     benefits as set forth in Paragraph 3(b) above, for a period
                     of twelve (12) months after termination. In addition,
                     Veenstra shall be entitled to an acceleration of vesting of
                     all remaining unvested

                                       3
<PAGE>   4

                     stock options granted as set forth in Paragraph 3(d) for
                     which he has up to one (1) year after the date of
                     Termination to exercise.

                     For purposes of subparagraph 5(b), a Termination for Other
                     Than Cause shall occur if the Company materially alters
                     Veenstra's duties, responsibilities, authority or
                     compensation from that set forth in Paragraphs 1 and 3
                     above.

              (c)    Termination Following a Change in Control:

                     (i)    In the event a Change in Control occurs, Veenstra
                            will be entitled to immediate acceleration of
                            vesting for all stock options granted to Veenstra as
                            set forth in Paragraph 3(d), as of the date of the
                            Change in Control, for which he has up to one (1)
                            year after the date of the Change in Control, to
                            exercise.

                     (ii)   In addition, in the event of termination of
                            Veenstra's employment for any reason, or if the
                            Company materially alters Veenstra's duties,
                            responsibilities, authority or compensation from
                            that set forth in Paragraphs 1 and 3 above, within
                            two (2) years after a Change of Control, Veenstra.
                            shall be entitled to a lump sum severance payment
                            equal to two (2) years Base Salary and 50% bonus,
                            less applicable withholding at his final monthly
                            salary rate. This payment shall be made immediately
                            upon termination.

                     (iii)  In addition, Veenstra will also be entitled to full
                            benefits as set forth in Paragraph 3(c) above, for a
                            period of twelve (12) months after termination.

                     (iv)   For purposes of this Agreement, a "Change of
                            Control" shall mean an Ownership Change in which the
                            shareholders of the Company before such Ownership
                            Change do not retain, directly or indirectly, at
                            least a majority of the beneficiary interest in the
                            voting stock of the Company after such transaction
                            or in which the Company is not the surviving
                            corporation. For purposes of this Agreement an
                            "Ownership Change" shall be deemed to have occurred
                            in the event any of the following occurs with
                            respect to the Company:

                            A.     the direct or indirect sale or exchange by
                                   the shareholders of the Company of all or
                                   substantially all of the stock in the
                                   Company;

                            B.     a merger or consolidation in which the
                                   Company is a minority party;

                                       4
<PAGE>   5

                            C.     the sale, exchange, or transfer of all or
                                   substantially all of the assets of the
                                   Company; or

                            D.     a liquidation or dissolution of the Company.

       6.     Exclusive Remedy: Veenstra agrees that the severance plan
              described in Paragraphs 4 and 5 above shall be his sole and
              exclusive remedy in the event that the Company terminates his
              employment and he shall be entitled to no further compensation for
              any damage or injury arising out of the termination of his
              employment by the Company.

       7.     Attorney's Fees: The prevailing party shall be entitled to recover
              from the losing party its attorney's fees and costs incurred in
              any action brought to enforce any right arising out of this
              Agreement.

       8.     Interpretation: Veenstra and the Company agree that this Agreement
              shall be interpreted in accordance with and governed by the laws
              of the State of California.

       9.     Successors and Assigns: This Agreement shall inure to the benefit
              of and be binding upon the Company and its successors and assigns.
              In view of the personal nature of the services to be performed
              under this Agreement by Veenstra, he shall not have the right to
              assign or transfer any of his rights, obligations or benefits
              under this agreement, except as otherwise noted herein.

       10.    Entire Agreement: This Agreement constitutes the entire employment
              agreement between Veenstra and the Company regarding the terms and
              conditions of his employment with the exception of any stock
              option agreement between Veenstra and the Company for shares
              granted in Paragraph 3(d) above.

       11.    Modification: This Agreement may only be modified or amended be a
              supplemental written agreement signed by Veenstra and the Company.

                                       5
<PAGE>   6

IN WITNESS WHEREOF, the parties have executed this Agreement as of the date and
year written below.

                                         Zland Corporation

Date:     7/8/99                         By: /s/ GLENN ABOOD
     ------------------------------         ---------------------------------
                                         Its: President & COO

Date:     7/8/99                         /s/ JOHN VEENSTRA
     ------------------------------      ------------------------------------
                                             John Veenstra

                                        6

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