Document:

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                                                                   Exhibit 10.49

                                    BARCLAYS
                 45, boulevard Haussmann - 75315 Paris Cedex 09
                 Telephone: 01 55 27 55 27 - Fax: 01 55 27 50 01

                                             [date stamp] RECEIVED NOV. 20, 2000

                                                     ROWECOM FRANCE
                                                     C.L.T.
CORPORATE BANKING FRANCE                             B.P. 40
                                                     Villebon sur Yvette
                                                     91121 PALAISEAU Cedex

                                                     ATTN: MR. LUC PRUDHON
CERTIFIED MAIL
                                                     Paris, November 16, 2000

[handwritten]  85 MF [arrow] 31/05  C.[?]

Sirs,

Please find below the credits with unlimited duration that we are making
available to you, in your account at our Agency:

1/      . Type of credit............................ Overdraft
        . Rate...................................... Eonia (*) +1%
        . Amount.................................... FRF 5,000,000 (Five million
                                                     francs)

2/      . Type of credit............................ SEASONAL CREDIT  Dailly Law
                                                     Guaranteed
        . Rate...................................... EURIBOR (**) + 0.50%
        . Amount.................................... FRF 100,000,000.00 (One
                                                     hundred million francs)
        from November 1 to March 31 every year
        . Amount.................................... FRF 55,000,000.00 (Fifty
                                                     five million francs)
        from April 1 to May 31 every year
        . Amount.................................... FRF 13,000,000.00 (Thirteen
                                                     million francs)
        from June 1 through July 31, then suspended until November 1 of the
        following year.

GUARANTEE: Transfer of accounts receivable in the context of the Dailly Law
(invoices contained in our books). For the overdraft, this transfer of
receivables will be carried out in the form of a monthly slip sent at the end of
the month for the overall amount of the authorization. (This form of operating
makes the administrative processing light and simple.)

3/      . Type of credit............................ SPOT OR FORWARD FOREIGN
                                                     EXCHANGE
        . Maximum outstanding amount................ FRF 150,000,000.00 (One
                                                     hundred fifty million
                                                     francs)

It is specified that the interest conditions mentioned above are likely to vary
according to changes in the base rates.

Any modification to this base rate will be applicable following its publication
by the competent divisions at the Banque de France or the Association Francaise
des Banques, or any other financial authority, especially foreign, depending on
the circumstances.

THIS LETTER SUPERSEDES THE LETTER DATED DECEMBER 7, 1999.

<PAGE>

With these facilities granted for an undetermined duration, we specify that
paragraph 1 of Article 60 of Law No. 84-46 dated January 24, 1984 obligates us
to inform you of notice deadlines with which we would comply in the event of
their reduction or their cancellation:

         * 30 days for the discount and the transferred receivable credits,
         * 60 days for the other credits.

These deadlines will be determined counting from the date that our certified
letter with return receipt requested notifying you of our decision is sent.

We hope that our cooperation will allow us to further develop our relationship,
and we remind you that we are making available to you all of the services that
our Agency is capable of offering to its clientele.

We thank you for your trust.

Sincerely,

[signature]                                 [signature]
Louis Rovani                                Fabienne Maillot
Relationship Manager                        Corporate Manager Assistant

(*) Eonia: Euro Over Night Index Average
(**) EURIBOR: Europe Interbank Offered Rate (rate for the period in question)<PAGE>

                                                                   EXHIBIT 10.50

[logo]  B.P. ROP  BANQUE POPULAIRE
B.P.ROP
                                                     Saint Quentin en Yvelines
                                                     October 20, 2000

MANAGEMENT OF SERVICES FOR                           ROWECOM FRANCE
BUSINESSES AND PROFESSIONALS                         Rue de la Prairie
Our ref: KC/NF - Tel: 01.30.14.67.20                 VILLEBON SUR YVETTE
                                                     91 762 PALAISEAU Cedex

ATTN: MR. PRUDHON

         Dear Sirs:

         In reference to our recent discussions.

         We are confirming the agreement of our institution for the
         establishment of the credits below for the company Rowecom France:

         CASH:

         Amount          : FRF 5,000,000

         Rate            : Eonia + 0.50%

         Guarantee       : Transfer of invoices in the context of the Dailly Law

         Duration        : Undetermined

         INVOLVEMENT IN THE 2000/2001 SEASONAL CREDIT:

         Form            : Cash credit by notes
                           Drawing terms: 1 month

         Amount          : 45,000,000 francs

         Rate            : Euribor for the period + 0.50%

[illegible footer]

<PAGE>

         Guarantee       : Transfer of invoices in the context of the Dailly Law

         Duration        : 4 months, from 11/15/2000 to 3/15/2001

         The integration of the operating business assets in the company Rowecom
         France is a prior condition for the establishment of these types of
         credit.

         This offer is valid one month from this day. We must be informed of its
         acceptance within this period by the return of a copy of this document
         duly signed.

         We remain available for any additional information you may require.

         Sincerely,

         [signature]                                          [signature]
         Nicolas Frankewitz                                   Michel Jarde

--------------------------------------------------------------------------------
    BANK ACCOUNT INFORMATION  ROWECOM FRANCE
                              RUE DE LA PRAIRIE
                              VILLEBON SUR YVETTE

      ----------------------
                              91762 PALAISEAU CEDEX
          [illegible]
      ----------------------  --------------------------------------------------

                              BPROP MONTIGNY BX ENTREP

                                                    Domicile
                              --------------------------------------------------

                              --------------------------------------------------
                              18707       00082       06521062951     42

                              Bank        Branch      Account No.     RIB key
                              --------------------------------------------------
--------------------------------------------------------------------------------<PAGE>

                                                                   Exhibit 10.51

_________________________________CREDIT DU NORD_________________________________

AGENCE DE MASSY ENTREPRISES
2 TER, AVENUE DE FRANCE                      [date stamp]  RECEIVED NOV. 4, 1999
BP 84
91303 MASSY CEDEX
Tel: 01 69 93 85 00
Fax: 01 69 93 85 10
                                                     ROWECOM FRANCE
                                                     VILLEBON SUR YVETTE
                                                     RUE DE LA PRAIRIE
                                                     91 871 PALAISEAU CEDEX

                              ATTN: MR. LUC PRUDHON

                              Massy, 10/29/1999

         Dear Sirs:

         We are pleased to send to you the agreement of our Committee on the
following lines of credit:

                  *   Overdraft                 10 MF        EONIA + 0.50%
                  *   Seasonal credit:
                               - 70 MF              from 12/1/1999 to 2/29/2000
                               - 30 MF              from 3/1/2000 to 5/31/2000
                               - nothing            beginning 6/1/2000

                               utilization by notes from 1 to 3 months minimum
                               1 MF
                               Conditions: Euribor 1 to 3 months + 0.40%

                  GUARANTEES:

                  - letter of intent from the ROWECOM INC. parent company
                  - Dailly transfer as guarantee.

                  It is our sincere hope that we have met your expectations in
view of strengthening our commercial relationship.

                  Sincerely,

                                                     [signature]
                                                     Pascale Le Feunteun
                                                     Business Clientele Advisor

[handwritten] Doc. 16 = Ex. 10.40<PAGE>

                                    BARCLAYS

                                                                   Exhibit 10.52
[date stamp] RECEIVED DEC. 16, 1999

                                            ROWECOM FRANCE
                                            C.L.T.
                                            B.P. 40
                                            Villebon sur Yvette
                                            91121 Palaiseau Cedex

                                            TO THE ATTENTION OF MR. LUC PRUDHON
CERTIFIED MAIL
                                            Paris, December 7, 1999

Dear Sirs:

We have the pleasure of specifying for you below the credits with unlimited
duration that we are making available to you, in your account at our Agency:

1/      . Type of credit................   Overdraft
        . Rate..........................   T4M (*) +1%
        . Amount........................   FRF 5,000,000 (Five million francs)
                                           [see original for handwritten circle
                                           around items with the word "NO"

2/      . Type of credit................   SPOT CREDIT Dailly Law Guaranteed
        . Rate..........................   EURIBOR (**) + 0.50%
        . Amount........................   FRF 100,000,000.00 (One hundred
                                           million francs)
        Usable from November 1 to May 31 every year

3/      . Type of credit................   SPOT OR FORWARD FOREIGN EXCHANGE
        . Maximum outstanding amount....   FRF 300,000,000 (Three hundred
                                           million francs) limited to FRF
                                           100,000,000 per transaction

It is specified that the interest conditions mentioned above are likely to vary
according to changes in the base rates.

Any modification to this base rate will be applicable following its publication
by the competent divisions at the Banque de France or the Association Francaise
des Banques, or any other financial authority, especially foreign, depending on
the circumstances.

THIS LETTER SUPERSEDES THE LETTER DATED NOVEMBER 3, 1999.

With these facilities granted for an undetermined duration, we specify that
paragraph 1 of Article 60 of Law No. 84-46 dated January 24, 1984 obligates us
to inform you of notice deadlines with which we would comply in the event of
their reduction or their cancellation:

         * 30 days for the discount and the transferred receivable credits,
         * 60 days for the other credits.
[handwritten] Doc. 17=Ex 10.41

<PAGE>

These deadlines will be determined counting from the date that our certified
letter with return receipt requested notifying you of our decision is sent.

We hope that our cooperation will allow us to further develop our relationship,
and we remind you that we are making available to you all of the services that
our Agency is capable of offering to its clientele.

We thank you for your trust.

Sincerely,

[signature]                                 [signature]
Louis Rovani                                [illegible] Baumgarden
Relationship Manager                        Corporate Manager Assistant

(*) T4M: Average Monthly Money Market Rate
(**) EURIBOR: Europe Interbank Offered Rate (rate for the period in question)

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