Document:

SPARTECH POLYCOM, INC. 401(K) PROFIT SHARING PLAN

                    SUMMARY PLAN DESCRIPTION

          This booklet is a summary of our retirement plan.  It is not
          the official plan, but a copy of the plan may be seen in the
          office of the Plan Administrator, who is named on page 1.

          This  booklet  together  with the booklet  entitled  "Making
          Retirement  Work  for You" prepared by the Trustee,  who  is
          named  on  page 1, provide important information  about  our
          retirement plan.

          In  case  of any conflicts between this summary, the booklet
          prepared by the Trustee and the plan, the plan will control.

          Date:  January 1,  2000

                         Plan Sponsor:

                    SPARTECH POLYCOM , INC.
                 Employer I.D. No.:  25-1325696

              IMPORTANT INFORMATION ABOUT THE PLAN

Employer:           Spartech Polycom , Inc.
                    90 West Chestnut Street
                    Washington, Pennsylvania  15301

Name of Plan:       Spartech Polycom , Inc.
                    401(k) Profit Sharing Plan

Plan Year:          January 1 through December 31

Trustee:            National City Bank
                    20 Stanwix Street
                    16th Floor
                    Pittsburgh, PA  15222
                    (412) 644-8317

Plan Administrator: Spartech Polycom , Inc.
                    90 West Chestnut Street
                    Washington, Pennsylvania  15301
                    (724) 225-2220

Employer
Identification No.: 25-1325696

Plan Number:        001

Agent for Service
of Legal Process:   Plan Administrator

     1.   Nature  of  the  Plan:  Our plan is a profit  sharing  plan,   with  a
deferred  compensation  feature designed to provide retirement  benefit  income.
Funds  contributed to the Plan by you and the company are held  by  the  Trustee
named on page 1 in a tax-exempt qualified trust, known as the Spartech Polycom ,
Inc.  401(k) Profit Sharing Trust.   An account will be established in the trust
to  identify  your  share  of  the  assets.  You  give  the  Trustee  investment
directions  for  your plan account, and you may change your  investment  choices
daily.   The plan is run by the Plan Administrator whom you should contact  with
your questions about the plan.

     2.   Eligibility and Participation:  If you are a new employee  and  not  a
member  of the union, you will be eligible to participate in the plan  when  you
are 21 years old and have completed 6 consecutive months of service  (months  of
service are explained in paragraph 10).

     Once you are eligible, you must wait to actually become a participant until
the  next "entry date", which is the next January 1, April 1, July 1, or October
1, whichever comes first, after you have become eligible.

     For  example,  if you are 21 years old and you start work on September  15,
1999, and work 6 consecutive months  between then and March  14, 2000, you  will
be eligible for the plan.  Once you are considered eligible, you must wait until
the  next  entry date to actually become a participant.  In this  case  you  are
eligible  on  March 14,  2000, and you will actually join the plan on  April  1,
2000 , the next entry date.

     If  you  have worked for us for  6 consecutive months  but are not  yet  21
years  old, then you are not eligible to participate in the plan.  You  will  be
eligible  to participate on your 21st birthday and will become a participant  in
the  plan  on the next January 1, April 1,  July 1, or October 1 following  your
21st birthday.

     3.   Company Contributions:  We, as the company, may make contributions  to
the  plan  for  each plan year from our profits for the plan year.   We  do  not
always have to contribute any or all of our profits for a plan year.  The amount
of  our  contribution  will be decided by our Board of  Directors  in  light  of
business and other considerations.

     4.  Allocation of Company Contributions and Forfeitures:  Our contributions
and any forfeitures are allocated on the last day of each plan year (December
31) to the separate accounts of participants who  are still working for us on
the last day of the plan year and participants whose employment terminated
during the plan year by reason of retirement, disability, death, or transfer to
a category of employees excluded from the plan.

     Your share of our contribution is determined by first taking any
compensation paid to you in a plan year in excess of the Social Security taxable
wage base.  That amount is divided by the total compensation in excess of the
Social Security taxable wage base paid to all participants who are receiving a
contribution for the plan year and then multiplied by the amount of the
contribution.  The amount of the contribution allocated in this manner cannot
exceed your excess compensation multiplied by 4.168%.

     Your share of the remaining contribution is determined by multiplying the
company contribution by a fraction in which the numerator is your total
compensation for the plan year and the denominator is the total compensation
paid to all participants who are receiving a contribution for the plan year.

     For example, if the company had the following employees:

          A - $ 85,000   (plan year compensation)
          B - $ 80,000   ( "    "        "      )
          C - $ 40,000   ( "    "        "      )
          D - $ 20,000   ( "    "        "      )

              $225,000

and made a $15,000 contribution for the 1999 plan year, the contribution would
be allocated as follows:

     I.   A - $80,000 - $72,600 = $7,400  x .04168 = $308.43
          B - $85,000 - $72,600 = $12,400 x .04168 = $516.83

                                                     $825.26

     II.  The remaining $14,174.74 ($15,000 - $825.26) will be allocated as
          follows:

          A - ($80,000 , $225,000) x $14,174.74 = $ 5,039.91
          B - ($85,000 , $225,000) x $14,174.74 = $ 5,354.90
          C - ($40,000 , $225,000) x $14,174.74 = $ 2,519.95
          D - ($20,000 , $225,000) x $14,174.74 = $ 1,259.98

                                                  $14,174.74

     If in any plan year the plan is determined to be a top-heavy plan (that is,
if the present value of the cumulative accounts under the plan for "Key"
employees exceeds 60% of the present value of the cumulative accounts under the
plan for all employees), you will receive a contribution equal to at least 3% of
your compensation for that year, except that such percentage shall not exceed
the percentage at which contributions are made for the Key Employee for whom
such percentage is the highest for the year. The Plan Administrator will inform
you if the Plan is top-heavy.  If, however, you are entitled only to the minimum
contribution as a non-Key employee, your account will be allocated the minimum
amount due based solely on your compensation.

     5.   Elective  Deferrals:  Commencing on April 1, 1997 and  for  each  plan
year,  you may elect to have up to 10% of your compensation contributed  to  the
plan  instead  of being paid directly to you.  Such contributions are  known  as
"elective deferrals" or "401(k) contributions".  You are not currently taxed  on
the  amount of your elective deferrals for federal income tax purposes, but such
amounts  will  be taxed to you when distributed from the plan.  However,  social
security taxes and  certain state's income taxes on elective deferrals  will  be
currently  deducted  from  your  compensation.   The  amount  of  your  elective
deferrals  for any calendar year may not exceed $10,500 for 2000  (adjusted  for
the cost-of-living). You must make your election to defer compensation on a form
provided  by  the  Plan Administrator.  All changes must  be  made  using  forms
provided  by  the  Plan Administrator and must be made at the time  and  in  the
manner  prescribed by the Plan Administrator before the first day of  each  Plan
Year quarter (January 1, April 1, July 1 or October 1).

     As  decided,  on  an annual basis, by our Board of Directors  in  light  of
business   and  other  considerations,  we  may  match  your  elective  deferral
contributions each plan year.  Any company matching contributions will  be  made
monthly.

     The average ratio of the compensation of highly compensated participants to
their  matching  contributions  cannot exceed a  similar  ratio  for  non-highly
compensated participants by more than the amount permitted by law. If the amount
is exceeded, excess employer matching contributions will be forfeited.

     Any  company matching contributions will vest in accordance with  the  same
schedule as company contributions (see paragraph 8).

     6.   Rollover Contributions:  If you have an existing qualified  retirement
plan  account with a prior employer, you may rollover that account into the plan
subject to certain restrictions imposed by the Plan Administrator.

     7.   Benefits:  You will be entitled to 100% of the amounts held for you in
your  account if you become totally disabled or die while employed by us, or  if
you  retire on your normal or late retirement date.  Your normal retirement date
will  be  the day on which you become 65.  The time and manner in which we  will
pay these amounts to you are discussed in paragraph 11.

     8.   Vesting:   If  you are discharged or quit work before you  reach  your
normal  retirement date for a reason other than death or total  disability,  you
will  be entitled to the amounts in your account which are "vested".  The vested
part of your account belongs to you no matter what happens, although it may  not
be paid until a later date.

     Amounts which we contributed for you (after earnings and losses) are vested
according  to  the  number of years of service for which you get  credit.   (See
paragraph  10,   where  years  of service are explained).   These  amounts  vest
according to the following schedule:

          Years of Service              Vested Amount

          0 but less than 3                    0%
          3 but less than 4                   20%
          4 but less than 5                   40%
          5 but less than 6                   60%
          6 but less than 7                   80%
          7 or more                          100%

     This means that if you quit or are discharged before your normal retirement
date  for a reason other than death or total disability and you have 4 years  of
service, you will be entitled to 40% of the amounts we have contributed for  you
(after adjusting for investment earnings and losses).  If you leave and you have
less than 3 years of service, you will not be entitled to any of the amounts  we
have  contributed for you.  If you leave after you have 7 years  of  service  or
more, you will be entitled to 100% of the amounts in your account.

     If  in any year the plan is determined to be a top-heavy plan, as discussed
in paragraph 4, the following vesting schedule applies:

          Years of Service              Vested Amount

            0 but less than 2                  0%
            2 but less than 3                 20%
            3 but less than 4                 40%
            4 but less than 5                 60%
            5 but less than 6                 80%
            6 or more                        100%

     The  time  and the manner in which we will pay the amounts you are entitled
to are discussed in paragraph 11.

     Amounts  to which you are not entitled because they are not vested will  be
forfeited:  (a)  immediately upon distribution of  the  amount  of  your  vested
account; or (b) if your benefit has not been distributed, at the end of the plan
year in which you  have a one-year break in service.  (See paragraph 10, for  an
explanation of a one-year break in service).  These forfeited amounts  are  then
allocated  at the end of the plan year in which they are forfeited in  the  same
way  as our contributions are allocated to the separate accounts of participants
who are still working for us at the end of that year or participants who are  no
longer  working  for  us because they have died, become totally  disabled,  have
retired on or after their normal or late retirement date, or have transferred to
a category of employees excluded from the plan.  (See paragraph 4).

     Your  elective  deferrals   to  the plan (after  adjusting  for  investment
earnings and losses) are always 100% vested.

     9.   Hours  of  Service:  You get credit for one hour of service  for  each
hour:

          (a)   for which you get paid, directly or indirectly, for working  for
     us;

          (b)  for which you get paid but do not work for reasons like vacation,
     sickness or temporary disability;

          (c)  for which you may be awarded back pay;

          (d)   for which you usually would have worked but did not because  you
     were  on  a leave-of-absence which has been approved by us as long  as  you
     return to work for us within 90 days after the end of the leave-of-absence;
     or

          (e)   for absences due to pregnancy, childbirth, or adoption (for  the
     mother  or  the  father) only if necessary to avoid  a  one-year  break  in
     service for one plan year.

     10.   Years of Service:  Your number of years of service equals your months
of service divided by twelve.  You are credited with a month of service for each
calendar month in any part of which you have a hour of service with the company,
a  subsidiary of the company or any of the following companies which  have  been
acquired  by the company:  Polycom Huntsman, Inc. and PH Chemicals,  Inc.    You
also get credit for years of service you worked before you became a participant.

     A one-year break in service is any period of at least 12 consecutive months
in which you do not work for us except for maternity or paternity reasons.

     If  you   have a one-year break in service, your years of service prior  to
that  year  will not be taken into account until you complete a year of  service
after your return.

     If you have no vesting in amounts we have contributed for you (as explained
in  paragraph 8), years of service before a plan year in which you  have a  one-
year  break  in  service  shall  not be taken into  account  if  the  number  of
consecutive  years  in  which you have a one-year break  in  service  equals  or
exceeds your years of service beforehand or 5, whichever is greater.

     If  you   have  a One-Year Break in Service for 5 consecutive  years,  then
years  of  service after such 5 year period will not be taken  into  account  in
determining  your amount vested in contributions allocated to  you  before  your
return to work.

     11.   Payment  of  Benefits:  The amount of your elective deferral  account
will be paid to you as soon as practicable after your termination of employment.
You will be paid the balance of the account to which you are entitled within  60
days of the close of the Plan Year in which you die, retire, become disabled, or
otherwise  terminate your employment.  You will be able to choose  the following
methods for the payment of the value of your account:

          (a)   a single lump-sum payment; or

          (b)  a direct rollover; or

          (c)  a combination of the foregoing.

     If  the  present value of  your accrued benefit exceeds $5,000 a  lump  sum
distribution  shall be made only if the participant and his  spouse  consent  in
writing  to  such distribution.  If the present value of the accrued benefit  is
less  than  $5,000,  a  lump  sum  distribution,  without  the  consent  of  the
participant, shall be made only if the distribution is an amount not  less  than
the  present  value of the participant's entire accrued benefit at the  time  of
distribution.

     12.   Payment  of Death Benefits:  In the event of your death,  the  entire
amount  in your account will be paid to your surviving spouse or your designated
beneficiary in a lump sum.

      13.   Beneficiary Designation:    The Plan Administrator will give  you  a
form  on which you can name the beneficiary to receive your benefit if you  die.
You can change  your beneficiary at any time; just ask for another form.  If you
do  not pick a beneficiary, we will pay your benefit to your spouse, if any,  or
to your  estate, as provided in the plan.

     14.   Withdrawals and Loans:    If you have vested amounts in your  account
from  elective deferrals and/or company 401(k) matching contributions, then upon
application to the Plan Administrator, you may be eligible to borrow up  to  the
lesser  of  (i)   one-half (1/2) of your vested amounts from elective  deferrals
and/or  company matching contributions, or (ii)$50,000.  Loans will not be  made
in  any amount less than $1,000.  In addition, no participant may have more than
1 loan outstanding at any time.

      You will be required to provide security for the loan, usually by pledging
up to 50% of your vested account balance under the plan.  All such loans must be
repaid within one (1) to five (5) years.  All loans must bear a reasonable  rate
of  interest based on market rates at the time of the loan.  If you are married,
then  your  spouse  must give written consent to the  pledging  of  your  vested
account  balance as security for a loan.  Loans will be made in accordance  with
the  terms  and conditions of the Spartech Polycom , Inc. 401(k) Profit  Sharing
Plan Participant Loan Program which has been established by the company.

     In  addition,  you  may  apply to the Plan Administrator  for  a  "hardship
withdrawal" of part or all of your elective deferrals.  A withdrawal may be made
on  account  of  hardship  only if it is on account of an  immediate  and  heavy
financial need of yours and is necessary to satisfy that need.  If you receive a
hardship withdrawal, you will not be permitted to make any elective deferrals to
the  plan  for twelve months following the date of your receipt of the  hardship
withdrawal.   Also,  the  limit on the amount of your  elective  deferrals  (see
paragraph 5) for the calendar year following the year of the hardship withdrawal
will be reduced by the amount of your hardship withdrawal.

     15.  Claims Procedure and Review:  Within 30 days after you are notified of
the amount of your benefit (you will be notified of the amount within 90 days of
your retirement, death, total disability or leaving the company), you can submit
to  the  Plan Administrator a written claim disputing it.  Within 30 days  after
you  submit  your claim, the Plan Administrator will give you its decision.   If
your  claim is denied, the reasons for such denial will be given to you and  you
will be told of any appropriate action you can take to get the claim approved.

     If  you  are not satisfied with the Plan Administrator's decision, you  can
give the Plan Administrator a written request for a hearing along with a written
statement of your position.  You must file this within 60 days from the time you
receive  notice  of denial of your claim.  You will be given  a  full  and  fair
hearing within 30 days.  Then, within 30 days, the Plan Administrator will issue
to you its written decision.

     16.   Plan  Creates No Contract:  The adoption of the plan is voluntary  on
our part and does not mean that there is any contractual relationship between us
and  you,  or  that  you have any right outside of our usual arrangement  to  be
retained in our employment.

     17.   Amendment and Termination:  The plan can be changed at any time.   We
will  notify you of any changes that affect your benefits.  While we  expect  to
continue the plan indefinitely, we must reserve the right to terminate the  plan
due  to business conditions or for other reasons.  Your benefits under the  plan
are  not insured by the Pension Benefit Guaranty Corporation (PBGC); federal law
does not permit the PBGC to insure benefits under a defined contribution (profit
sharing) plan such as ours.

                      PARTICIPANT'S RIGHTS

     The  following statement of participant's rights is required by federal law
and regulation:

     As a participant in the Spartech Polycom , Inc. 401(k) Profit Sharing Plan,
you  are entitled to certain rights and protection under the Employee Retirement
Income  Security Act of 1974 (ERISA).  ERISA provides that all plan participants
shall be entitled to:

          (a)   Examine, without charge, at the Plan Administrator's office  all
     plan   documents,  including  insurance  contracts,  collective  bargaining
     agreements  and  copies of all documents filed by the plan  with  the  U.S.
     Department of Labor, such as detailed annual reports and plan descriptions.

          (b)   Obtain  copies of all plan documents and other plan  information
     upon written request to the Plan Administrator.  The Administrator may make
     a reasonable charge for the copies.

          (c) Receive a summary of the plan's annual financial report.  The Plan
     Administrator is required by law to furnish each participant with a copy of
     this summary annual report.

          (d)   Obtain  a  statement telling you whether you  have  a  right  to
     receive  a pension at a normal retirement age and if so, what your benefits
     would  be at normal retirement age if you stop working now.  If you do  not
     have  a right to a pension, the statement will tell you how many more years
     you  have  to  work  to get a right to a pension.  This statement  must  be
     requested in writing and is not required to be given more than once a year.
     The plan must provide the statement free of charge.

     In  addition to creating rights for plan participants, ERISA imposes duties
upon  the  people who are responsible for the operation of the employee  benefit
plan.  The people who operate your plan, called "fiduciaries" of the plan,  have
a duty to do so prudently and in the interest of you and other plan participants
and  beneficiaries.  No one, including your employer, or any other  person,  may
fire  you  or otherwise discriminate against you in any way to prevent you  from
obtaining a pension benefit or exercising your rights under ERISA.

     If  your  claim for a plan benefit is denied in whole or in part, you  must
receive a written explanation of the reason for the denial.  You have the  right
to have the Plan Administrator review and reconsider your claim.
     Under ERISA, there are steps you can take to enforce the above rights.  For
instance,  if  you  request  materials from the Plan Administrator  and  do  not
receive  them within 30 days, you may file suit in a federal court.  In  such  a
case, the court may require the Plan Administrator to provide the materials  and
pay  you  up to $110 a day until you receive the materials, unless the materials
were  not  sent because of reasons beyond the control of the Administrator.   If
you  have a claim for benefits which is denied or ignored, in whole or in  part,
you  may  file suit in a state or federal court.  If it should happen that  plan
fiduciaries  misuse  the plan's money, or if you are discriminated  against  for
asserting  your  rights,  you may seek assistance from the  U.S.  Department  of
Labor,  or  you  may file suit in a federal court.  The court  will  decide  who
should  pay  court costs and legal fees.  If you are successful, the  court  may
order  the  person you have sued to pay these costs and fees.  If you lose,  the
court  may order you to pay these costs and fees, for example, if it finds  your
claim is frivolous.

     If  you  have  any  questions about your plan you should contact  the  Plan
Administrator.

     If  you have any questions about this statement or your rights under ERISA,
you should contact the nearest Area Office of the U.S. Labor-Management Services
Administration, Department of Labor.EXHIBIT 10.2

                            [OPEN MARKET, INC. LOGO]

                          TRANSACT SOFTWARE ORDER FORM
                           (With Terms and Conditions)

                    9066-4871 Quebec Inc. (dba "PLANET 411")
                           Full Legal Name of Licensee

                        440 Rene Levesque West, Suite 400
                         Montreal, Quebec H2Z 1V7 CANADA
                     Address of Principal Place of Business

Contact Person:  Varujan Tasci

Telephone: 514-866-4638  Fax:  514-866-5020  Email: vtasci@planet411.com

(Please provide Ship-To/Bill-To information below if different from above)

Ship to -- Planet411 440 Rene Levesque Ouest #400
Bill to - Same

Purchase Order # (if applicable) ______________________

Licensee is incorporated in the province of:   Quebec, Canada

Effective Date: March 18, 1999

BY SIGNING THIS ORDER FORM, LICENSEE AGREES TO ALL THE TERMS AND CONDITIONS
ATTACHED (collectively, the "AGREEMENT"). UPON EXECUTION BY THE PARTIES,
LICENSEE SHALL HAVE THE RIGHT TO USE TRANSACT AND ALL RELATED SOFTWARE PROVIDED
HEREUNDER IN ACCORDANCE WITH THE AGREEMENT.

Executed by authorized representatives of the parties as of the Effective Date.

OPEN MARKET, INC.                             LICENSEE

By: /s/ Eric Pyerson                             By: /s/ Joseph Farag        .
                                                     -------------------------
         (Signature)                                      (Signature)
Name: Eric Pyerson                               Name: Joseph Farag
         (Print)                                           (Print)
Title:   Legal Counsel, Open Market, Inc.        Title:   President

Agreement Consists Of:

1.       TRANSACT  Software Order Form
2.       Attachment A - Products and Fees
3.       Attachment B - Terms and Conditions

<PAGE>

                                  Attachment A

                                PRODUCTS and FEES

I.   Fees

****INFORMATION  IN THE COLUMNS  MARKED WITH AN ASTERISK IS SUBJECT TO A REQUEST
FOR CONFIDENTIAL  TREATMENT. A COPY OF THE CONFIDENTIAL PORTION OF THIS DOCUMENT
HAS BEEN FILED SEPARATELY WITH THE COMMISSION.***

Please indicate currently required items only. Promptly following the Effective
Date, Licensee shall issue a purchase order to OPEN MARKET for these items.

<TABLE>
<CAPTION>
------------------------------------------------------------------------------------------------------------------------------------
Item #  Product Description           Database    Hardware    Qty       List           Net        Extended    Support Type   Annual
                                      Platform    Platform           Price/Unit    Price/Unit    Lic. Fees      (B or P)     Support
                                                                                                                              Fees
<S>                                     <C>         <C>        <C>        <C>           <C>           <C>           <C>         <C>
  1   CSP Transact License              Oracle      Sun        1          $*            $*            $*            P           $*

  2   Sales Tax Server                  Oracle      Sun        1          $*            $*            $*            P           $*

  3   Fax Server                        Oracle      Sun        1          $*            $*            $*            P           $*

  4   Production Oracle Database        Oracle      Sun        1          $*            $*            $*            P           $*

  5   Transact Development License      Oracle      Sun        1          $*            $*            $*            P           $*

  6   Development Oracle Database       Oracle      Sun        1          $*            $*            $*            P           $*

  7   Netscape Web Servers              n/a         Sun        3          $*            $*            $*            P           $*

  8   BattleStar Application
         Monitoring SW                  n/a         Sun        1          $*            $*            $*            P           $*

  9   ShopSite Lite                     n/a         Sun      100          $*            $*            $*            P           $*

 10   ShopSite Mgr                      n/a         Sun      100          $*            $*            $*            P           $*

 11   Best Practices Program            n/a         n/a        1          n/a           n/a           n/a           n/a         $*

                                                                   Total   $504,885   Total Support      $174,650
                                                           Product Fees:                  Fees:
</TABLE>

<PAGE>

II.  Payment Terms:

A. TRANSACT and all other software products:

Due and payable as follows:
3/18/99           $*
3/26/99           $*
5/3/99            $152,442.50
6/3/99            $152,442.50

B.  Merchant Licenses:

Due and payable in full Net Thirty (30) days from shipment

C.  SUPPORT Services and Best Practices Program Fees:

Due and payable according to the follow schedule:

Date Due          Amount
5/15/99           $*
7/15/99           $*
9/15/99           $43,662.50
11/15/99          $43,662.50

*THE PAYMENT INFORMATION IN SECTIONS II.A AND II.C ARE SUBJECT TO A REQUEST FOR
CONFIDENTIAL TREATMENT. THE CONFIDENTIAL PORTION HAS BEEN FILED SEPARATELY WITH
THE COMMISSION.

                 All fees payable hereunder are non-refundable.

III. Entitlements:

Base license fee includes the following: one (1) Production copy of TRANSACT
containing the TRANSACT Core Modules, one (1) copy of SecureLink
CommerceOperator for Windows NT, one (1) copy of SecureLink CommerceOperator for
UNIX, one (1) copy SecureLink SDK and one (1) Merchant License as defined in
Exhibit 4.2. In addition, the base license fee entitles Licensee to all required
initial training courses. Licensee shall pay all reasonable travel and lodging
expenses incurred and documented by OPEN MARKET in connection with the delivery
and installation of TRANSACT.

Any third party software provided to Licensee by OPEN MARKET shall be subject to
the terms and conditions of the separate shrinkwrap end user license agreement
accompanying each copy of the applicable software that Licensee may obtain from
OPEN MARKET hereunder. The foregoing also applies to OPEN MARKET's ShopSite
software. Each TRANSACT Production License requires one (1) Netscape Enterprise
Server per hardware platform and each TRANSACT Development License requires one
(1) Netscape Enterprise Server.

Terms applicable to optional SalesTax Module: In addition to the then-current
fees and rates for the optional SalesTax Module, Licensee is subject to an
annual subscription fee for monthly tax updates at the then-current published
rates. OPEN MARKET and its third party supplier do not warrant the accuracy of
the data or other tax calculations made by the SalesTax Module. For purposes of
this paragraph, "data" means any and all representations and/or compilations of
facts, concepts, instructions and other similar information and materials,
including without limitation sales and use tax information and compilations of
such information owned or acquired by OPEN MARKET's third party supplier.
Licensee bears full responsibility for the determination of the accuracy and
applicability of the output from the SalesTax Module and acknowledges that tax
calculations often involve interpretation and that the data of many
jurisdictions can change rapidly. OPEN MARKET and its third party supplier are
not providing specific tax advice and Licensee should obtain the advice of
qualified tax professionals with respect to all tax issues.

<PAGE>

IV. Merchant Business Customer ("Merchant") license fees

For each Merchant Business Customer subscribing to the services of the TRANSACT
system, there is an annual Merchant License fee based on actual Merchant
Business Customer revenue. Licensee may order Merchant Licenses (see Exhibit
4.2) from OPEN MARKET in accordance with the following rate table:

*INFORMATION IN RIGHT-MOST COLUMN BELOW IS SUBJECT TO A REQUEST FOR CONFIDENTIAL
TREATMENT. A COPY OF THE CONFIDENTIAL PORTION OF THIS DOCUMENT HAS BEEN FILED
SEPARATELY WITH THE COMMISSION.

Merchant Tier         Monthly Merchant Revenue         Monthly per Merchant fee
-------------         ------------------------         ------------------------
Tier 1                up to $5k/month                      $*/month
Tier 2                >$5k/mo up to $33k/month             $*/month
Tier 3                >$33k/mo up to $167k/month           $*/month
Tier 4                >$167k/mo                            $*/month

Merchant Reporting and Payment Terms

A. Reporting. Within five (5) business days of the end of each calendar quarter
during the term of this Agreement, Licensee shall furnish Open Market with a
report (using the Transaction Report from TRANSACT) for each such quarter
setting forth the details of all new Merchants in each Tier receiving services
from Licensee's TRANSACT including the following information: (i) the number of
Active Accounts in each tier receiving services from Licensee's TRANSACT at
quarter end and (ii) the maximum number of Active Accounts in each tier during
such quarter. Should Open Market develop an automated reporting tool to trace
merchant details, the parties shall review and mutually agree on use.

B. Payment. The report shall be accompanied by payment in full of all Merchant
license fees for each Merchant in each Tier for each such quarter based upon the
Transaction Report. If payment is not made in full at such time, interest shall
accrue on monies outstanding from the due date of payments at the lesser of the
rate of one and one-half percent per month (1.5%) or the maximum legal rate
allowed.

C. Records/Audit Right. Licensee shall maintain complete and accurate records of
all documentation relating to the number of Merchants receiving services from
Licensee's TRANSACT during the term of this Agreement and shall provide Open
Market (or its designated independent certified public accountant) with
information upon reasonable request relating to such records in connection with
audits that OPEN MARKET may conduct. Audits may not be conducted more frequently
than every six (6) months. If such audits should disclose any under-reporting,
Licensee shall promptly pay Open Market such amount, together with interest
thereon in accordance with subsection (b) above. If the amount under-reported by
Licensee is equal to or greater than ten percent (10%) of the total payment due
Open Market for the payment period so audited, then the cost of the audit shall
be borne by Licensee.

                                       4

<PAGE>
                                  Attachment B

                          TRANSACT TERMS AND CONDITIONS
                              [CSP - International]

Defined terms used herein are listed in Exhibit 1.

In consideration of the mutual promises herein contained and other valuable
consideration, the parties hereto agree as follows:

1.     LICENSES.

       1.1 OPEN MARKET Grant of Licenses. OPEN MARKET hereby grants Licensee the
following non-exclusive, non-transferable, non-assignable, perpetual (subject to
Section 8.2) worldwide licenses, for the term of this Agreement:

       a. To use the licensed copy(ies) of TRANSACT, on Licensee's designated
computer system, in Executable Code form only, in order to provide Internet
transaction services to TRANSACT End User Customers;

       b. To use the licensed copy(ies) of TRANSACT, on Licensee's designated
computer system, in Executable Code form only, in order to conduct
demonstrations to prospective TRANSACT End User Customers; and

       c. To make one (1) back-up copy of TRANSACT solely for archival or
recovery purposes, as long as the Production copy is in active use.

(If Licensee elects to receive a Development copy of TRANSACT):

       d. To use the Development copy of TRANSACT, on the computer system which
it is installed, in Executable Code form only, solely for internal development,
testing and staging purposes and with all standard TRANSACT Payment Modules and
Fulfillment Modules and for no other purpose and to make one backup copy of the
Development copy solely for archival purposes.

a. (If Licensee elects to receive a Cold Spare Back-Up copy of TRANSACT):

e. e. To use the Cold Spare Back-Up copy of TRANSACT, on the computer system on
which it is installed, in Executable Code form only, solely in order to provide
emergency back-up to the Production copy of TRANSACT licensed hereunder for the
duration of such emergency and for no other purpose and to make one backup copy
of the Cold Spare Back-Up copy solely for archival purposes.

       1.2 Option to License Optional Modules. OPEN MARKET hereby grants
Licensee an option to purchase licenses and an option to obtain related
installation services at any time during the term of this Agreement for any of
the optional modules of TRANSACT made available by OPEN MARKET at OPEN MARKET's
then-current fees and rates. If the option to license any optional modules of
TRANSACT is exercised by Licensee pursuant to this Section 1.2, each such
additional module shall thereupon be deemed included in TRANSACT and in the
applicable license grants set forth in Section 1.1.

       1.3 No Implied License. Licensee acknowledges and agrees that this
Agreement in no way shall be construed to provide to Licensee, or any third
party, any express or implied license to use, copy or otherwise exploit TRANSACT
or any portion thereof, (including any intellectual property embodied therein)
other than as specifically set forth in this Agreement. Without limiting the
foregoing, Licensee may not sublicense or otherwise distribute TRANSACT or any
portion thereof to any

                                       5

<PAGE>

third party, including any subsidiary or affiliate of Licensee, unless otherwise
authorized by OPEN MARKET in writing.

       1.4 Trademarks. OPEN MARKET hereby grants Licensee the non-exclusive,
non-transferable, non-assignable (except as otherwise expressly provided
herein), worldwide license solely during the Term to use the OPEN MARKET's trade
and service marks (collectively, the "Marks") solely in connection with
Licensee's use of TRANSACT pursuant to this Agreement. Licensee acknowledges
that OPEN MARKET owns all rights to the Marks. Licensee shall not during the
Term of this Agreement and anytime thereafter use or attempt to use or register
anywhere in the world a tradename or mark or service name or mark or symbol
which in any way is identical or confusingly similar to any one of the Marks.

2.     CERTAIN LICENSEE OBLIGATIONS.

       2.1 Proprietary Markings. Licensee agrees that it will not remove any
copyright, trademark or other proprietary notices of OPEN MARKET or its
suppliers affixed to or displayed on TRANSACT or the Documentation.

       2.2 Compliance with Laws. Licensee shall comply with all applicable laws,
rules and regulations in its performance of this Agreement. In particular,
Licensee shall not transfer, either directly or indirectly, TRANSACT or the
Documentation, either in whole or in part, to any destination subject to export
restrictions under U.S. law, unless prior written authorization is obtained from
the appropriate U.S. agency and shall otherwise comply with all other applicable
import and export laws, rules and regulations.

       2.3 OPEN MARKET Acknowledgment and HTML Link. Licensee may insert the
following acknowledgment on a Web page(s) presented by Licensee's Transaction
Service to TRANSACT End User Customers: "This software infrastructure powered by
TRANSACT, a product of Open Market, Inc." This text may contain the URL of OPEN
MARKET's Web site.

       2.4 Publicity. Licensee and OPEN MARKET shall mutually agree to a news
release regarding Licensee's purchase of the TRANSACT licenses under this
Agreement. Neither Licensee nor OPEN MARKET shall make any public statements,
including without limitation, press releases or public announcements regarding
TRANSACT, without the prompt prior review and approval of the other party, which
shall not be unreasonably withheld or delayed. Notwithstanding the foregoing,
OPEN MARKET may include Licensee in any general listing of TRANSACT customers.

3.     SUPPORT AND MAINTENANCE SERVICES.

       3.1 OPEN MARKET Support and Maintenance. During the term of this
Agreement, Licensee may purchase annual support and maintenance from OPEN MARKET
at either the Basic or Premier levels, at the applicable annual support fee, in
accordance with the terms and conditions of OPEN MARKET's standard Agreement for
Annual Software Support (the "Support Agreement") available on OPEN MARKET's Web
site.

4.     FEES.

       4.1 License Fees. Licensee shall pay OPEN MARKET the License Fees in US
Dollars in accordance with the terms and conditions set forth in Attachment A.

       4.2 Option to Purchase Merchant Licenses. OPEN MARKET hereby grants
Licensee an option to purchase Merchant Licenses in accordance with the terms
and conditions set forth in Exhibit 4.2.

       4.3 Net of Taxes. All amounts payable by Licensee to OPEN MARKET
hereunder are exclusive of any sales, use and/or all other taxes or duties,
however designated, including without

                                       6

<PAGE>

limitation, withholding taxes or royalties, or know-how payments, customs,
privilege, excise, sales, use, value-added and property taxes (collectively
"Taxes") except for Taxes on OPEN MARKET's net income. Licensee shall pay any
such Taxes, unless Licensee provides to OPEN MARKET an appropriate certificate
of exemption from the applicable taxing authority, and shall not withhold any
Taxes from any amounts due OPEN MARKET.

5.     OWNERSHIP AND TRADE SECRETS; CONFIDENTIALITY.

       5.1 OPEN MARKET Ownership Rights. Except for the licenses granted
hereunder, all rights, title and interests, including without limitation all
copyright, patent, trademark, trade secret and any other intellectual property
rights, in and to TRANSACT and the Documentation are retained by OPEN MARKET.

       5.2 No Decompilation. Except as expressly provided in the applicable
local laws of Canada and Quebec, if any, and then only in strict accordance
with, and solely for the purposes specified in, such laws, Licensee shall not
attempt to (i) obtain the Source Code of TRANSACT or any Optional Component,
Update or Upgrade or any trade secret or know-how embodied in any of the
foregoing, whether through decompilation, disassembly or other means or (ii)
modify, enhance, translate or create derivative works of any of the same.
Licensee shall not duplicate any portion of TRANSACT or any Optional Component,
Update, Upgrade or Documentation, except as expressly authorized in this
Agreement.

       5.3 Confidentiality. Licensee and OPEN MARKET shall each safeguard the
other's Proprietary Information in the same manner as they safeguard their own
valuable proprietary information. The parties each agree that the terms of this
Agreement, including without limitation the amount of license or other fees
payable hereunder and the payment terms, shall be deemed Proprietary
Information. Results of benchmark tests run by Licensee shall not be disclosed
unless OPEN MARKET consents to such disclosure in writing. Each of the parties
acknowledges that the other's Proprietary Information constitutes such party's
valuable proprietary information and trade secrets. Each of the parties
expressly agrees and acknowledges that it is entering into this Agreement, and
providing the other party copies of its Proprietary Information hereunder, in
reliance upon the other's foregoing promise of confidentiality.

       5.4 Nondisclosure. During the term of this Agreement, and for a period of
five (5) years thereafter, neither party shall use, disclose, make or have made
any copies of the other party's Proprietary Information in whole or in part,
except as provided herein, without the prior express written authorization of
the other party. The parties shall only disclose or otherwise allow access to
the Proprietary Information of the other party, to employees, consultants or
contractors who (i) have a need to obtain access thereto in order to give effect
to the rights granted to Licensee under this Agreement, and (ii) are legally
bound to maintain the proprietary and confidential nature of such materials
under a written agreement.

       5.5 Exceptions. Any provisions herein concerning non-disclosure and
non-use of confidential information of a party shall not apply to any such
information which (a) is already rightfully known to the other party when
received, (b) is or becomes publicly known through publication or otherwise and
through no wrongful act of the other party, contrary to the foregoing terms of
the present section on confidentiality, (c) is received from a third party
without similar restriction and without breach of this Agreement, (d) is
approved for release or use by written authorization of the other party, (e) is
required to be disclosed pursuant to any government statute, regulation or
order.

6.     WARRANTY.

       6.1 Warranties. (a) OPEN MARKET warrants to Licensee that TRANSACT shall
perform substantially in accordance with its then-current

                                       7

<PAGE>

Documentation during the ninety (90) day period following installation (the
"Warranty Period"). OPEN MARKET shall have no liability with respect to any
failure of TRANSACT to perform as warranted under this Section 6.1 if such
failure results from improper use or any changes or modifications made to
TRANSACT by Licensee or any third party. This warranty is made solely to
Licensee and Licensee shall be solely responsible for any warranty to, or claims
by, Licensee's TRANSACT End User Customers or any other third parties.

(b) OPEN MARKET further represents and warrants that (i) the occurrence in or
use by TRANSACT of dates on or after January 1, 2000 ("Millennial Dates") will
not adversely affect its performance at any level with respect to date-dependent
data, computation, output, or other functions (including without limitation,
calculating, comparing and sequencing); and (ii) TRANSACT will create, store,
receive, process and output information related to or including Millennial Dates
without error or omissions. OPEN MARKET shall cooperate with Licensee as may be
reasonably necessary and appropriate to facilitate Licensee's review of OPEN
MARKET's Year 2000 compliance processes and procedures.

       6.2 Licensee Remedies. Licensee's sole and exclusive remedy and OPEN
MARKET's sole and exclusive obligation under the warranty set forth in Section
6.1 shall be, at OPEN MARKET's sole discretion, (i) for OPEN MARKET to correct
any material failure of TRANSACT to perform as warranted (remedies may include,
without limitation, software patches or workarounds as required) or (ii) for
OPEN MARKET to replace TRANSACT with a new copy or Update; provided that such
failure is reported to OPEN MARKET within the Warranty Period.

       6.3 Warranty Exclusions. SUBJECT TO ANY STATUTORY PROVISIONS OR
LIMITATIONS UNDER CANADIAN AND QUEBEC LAW THAT ARE MADE APPLICABLE TO THIS
AGREEMENT NOTWITHSTANDING SECTION 9.6, THE WARRANTIES UNDER SECTIONS 6.1 AND
7.1.1 ARE THE ONLY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, THAT ARE
MADE BY OPEN MARKET AND OPEN MARKET DISCLAIMS ALL OTHER WARRANTIES, INCLUDING
BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE
AND MERCHANTABILITY. OPEN MARKET shall have no liability in contract, tort,
negligence or otherwise arising out of the use of any root key certificates or
any related certificate authority technology or services provided by Licensee or
any third party to OPEN MARKET for use with TRANSACT.

       6.4 Limitations of Remedy. Neither OPEN MARKET nor anyone else who has
been involved in the creation, production or delivery of TRANSACT shall be
liable Licensee or any third party for any liquidated, indirect, consequential,
exemplary or incidental damages (including damages for loss of business profits,
business interruption, loss of business information, and the like) arising out
of this Agreement or the use or inability to use TRANSACT even if OPEN MARKET
has been advised of the possibility of such damages. OPEN MARKET and its
suppliers shall have no liability whatsoever to any third party, including but
not limited to, TRANSACT End User Customers, and Licensee shall use reasonable
efforts to disclaim all liability of OPEN MARKET and its suppliers in any
applicable third party agreements. In no case shall OPEN MARKET's aggregate
liability for all matters arising out of the subject matter of this Agreement,
whether in contract, tort or otherwise, exceed the amounts actually received by
OPEN MARKET under this Agreement.

LICENSEE ACKNOWLEDGES THAT OPEN MARKET'S LIABILITY AND WARRANTY LIMITATIONS OR
EXCLUSIONS SET FORTH HEREIN

                                        8
<PAGE>

ARE REASONABLE UNDER THE CIRCUMSTANCES AND THAT THE LICENSEE'S CONSENT THERETO
AND AGREEMENT THERWITH IS FAIRLY REFLECTED IN THE LICENSE FEES AND CONSTITUTES A
MATERIAL INDUCEMENT FOR OMI'S ENTRY INTO THIS AGREEMENT. HOWEVER NOTHING IN THIS
AGREEMENT SHALL BE DEEMED TO RESTRICT OMI'S POSSIBLE LIABILITY FOR PERSONAL
INJURY, DEATH OR TANGIBLE PROPERTY DAMAGE UNDER APPLICABLE LAW.

7.     INDEMNIFICATION.

       7.1    Infringement.

       7.1.1 Warranty. OPEN MARKET warrants to Licensee that TRANSACT will not
infringe any copyright, U.S. patent, trademark, trade secret or mask work right
of any third party.

       7.1.2 Defense. In the event of any claim or allegation against Licensee
of any infringement or misappropriation of any third party copyright, U.S.
patent, trademark, trade secret, or mask work rights by reason of the use by
Licensee of TRANSACT as permitted hereunder, OPEN MARKET shall, at its expense
defend such claim, and pay any costs, expenses and finally awarded damages
actually awarded in connection therewith, including the fees and expenses of the
attorneys engaged by OPEN MARKET for such defense provided that (i) Licensee
shall promptly notify OPEN MARKET of such claim or action, (ii) OPEN MARKET
shall have the sole and exclusive authority to defend and/or settle any such
claim or action and (iii) Licensee will reasonably cooperate with OPEN MARKET in
connection therewith.

       7.1.3 Certain Actions in Response to Infringement. If the use of TRANSACT
by Licensee has become, or in OPEN MARKET's opinion is likely to become, the
subject of any claim of infringement, OPEN MARKET may at its option and expense
(i) procure for Licensee the right to continue using TRANSACT as set forth
hereunder, (ii) replace or modify TRANSACT to make it non-infringing, (iii)
substitute an equivalent for TRANSACT or, if options (i)-(iii) are not
reasonably practicable, (iv) terminate this Agreement and refund to Licensee all
License Fees paid by Licensee under Article 4.

       7.1.4 Limitation of Indemnification for OPEN MARKET.

       (a) OPEN MARKET shall have no liability or obligation hereunder with
respect to any infringement claim if such infringement is caused by (i)
compliance with designs, guidelines, plans or specifications of Licensee; (ii)
use of TRANSACT by Licensee in an application or environment other than as
specified in applicable Documentation; (iii) modification of TRANSACT by any
party other than OPEN MARKET; or (iv) the combination, operation or use of
TRANSACT with other product(s) or services not supplied by OPEN MARKET where
TRANSACT would not by itself be infringing. Licensee agrees to defend OPEN
MARKET from and against all liabilities, obligations, costs, expenses and
judgments, including court costs, reasonable attorneys fees and expert fees,
arising out of any of the circumstances stated in subsections (i) - (iv) above.

       (b) THIS ARTICLE 7 STATES OPEN MARKET'S ENTIRE AND EXCLUSIVE LIABILITY
AND OBLIGATION, AND LICENSEE'S EXCLUSIVE REMEDY, WHETHER STATUTORY, CONTRACTUAL,
EXPRESS, IMPLIED OR OTHERWISE, FOR CLAIMS OF INTELLECTUAL PROPERTY INFRINGEMENT.

       7.2 By Licensee. Licensee shall defend OPEN MARKET against any and all
claims, damages, losses, liabilities, costs and expenses (including reasonable
attorney's fees) directly or indirectly brought against OPEN MARKET by any third
party arising out of Licensee's or a Merchant

                                       9

<PAGE>

Business Customer's products or services or arising out of Licensee's breach of
this Agreement. Licensee shall have the sole and exclusive authority to defend
any such claim or action, provided that (i) OPEN MARKET shall promptly notify
Licensee of such claim or action, (ii) Licensee shall have the sole and
exclusive authority to defend and/or settle any such claim or action and (iii)
OPEN MARKET will reasonably cooperate with Licensee in connection therewith.

8.     TERMINATION.

       8.1 Term. The term of this Agreement shall commence on the Effective Date
and shall continue perpetually unless terminated pursuant to Section 8.2 hereof.

       8.2 Termination. Licensee may terminate this Agreement without cause at
any time after a period of two (2) years from the Effective Date upon ninety
(90) day prior written notice. Either party may terminate this Agreement in the
event the other party (i) commits any material and substantial breach or default
and fails to provide an acceptable remedy of such breach or default within
thirty (30) days after written notice of such breach or default from the
non-breaching or non-defaulting party or (ii) ceases to carry on business as a
going concern, becomes the object of the institution of voluntary or involuntary
proceedings in bankruptcy or liquidation, or a receiver is appointed with
respect to a substantial part of its assets. Notwithstanding the foregoing,
either party may terminate this Agreement immediately in the event of a material
breach by the other party of its obligations under Article 6. Overdue payments
shall bear interest at the lesser of twelve percent (12%) per annum or the
highest legal rate.

       8.3 Licensee Obligations on Termination. Upon termination of this
Agreement, for any reason except OPEN MARKET's uncured material breach, all
licenses granted hereunder shall immediately terminate and Licensee shall return
all portions of TRANSACT and the Documentation in its possession or control to
OPEN MARKET. Termination of this Agreement shall not relieve Licensee from
paying all fees accruing prior to termination. After termination, Articles 5, 6,
7 and 9 shall survive for a period of two (2) years.

9.     GENERAL.

       9.1 No Assignment. Licensee shall not assign this Agreement (or any of
its rights hereunder), or delegate its obligations hereunder without the prior
written consent of OPEN MARKET.

       9.2 Amendment; Waiver. No amendment or modification to this Agreement,
nor any waiver of any rights hereunder, shall be effective unless assented to in
writing by both parties. The waiver of any breach or default shall not
constitute a waiver of any other right hereunder or any subsequent breach or
default.

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

       9.4 Relationship. Nothing contained herein shall in any way constitute
any association, partnership, agency, employment or joint venture between the
parties hereto, or be construed to evidence the intention of the parties to
establish any such relationship. The parties' relationship is solely that of
independent contractors.

       9.5 Unenforceability. If a court of competent jurisdiction determines
that any provision of this Agreement is invalid, illegal, or otherwise
unenforceable, such provision shall be enforced as nearly as possible in
accordance with the stated intention of the parties, while the remainder of this
Agreement shall remain in full force and effect and bind the parties according
to its terms. To the extent any provision cannot be enforced in accordance with
the stated intentions of the parties, such provision shall be deemed not to be a
part of this Agreement.

                                       10

<PAGE>

       9.6 Governing Law. (a) This Agreement shall for all purposes be governed
by, construed and enforced solely in accordance with the laws of the
Commonwealth of Massachusetts USA, without reference to its conflict of laws
rules. The United Nations Convention on International Sale of Goods shall not
apply to this Agreement. (b) Any and all disputes between the parties arising
under or in connection with this Agreement or TRANSACT, which cannot amicably be
resolved by the parties, shall be resolved solely and exclusively in the courts
located in the Commonwealth of Massachusetts USA. Licensee hereby expressly
consents to the service of process in connection therewith and irrevocably
waives any objections to the jurisdiction of such courts on any grounds,
including without limitiation, forum non conveniens. Any judgment or award by
such courts may be entered and enforced by any court having jurisdiction over
the parties or their assets.

       9.7 Government Contracts. TRANSACT and the Documentation are provided
with restricted and limited rights for purposes of government contracting and
subcontracting. TRANSACT and the Documentation provided by OPEN MARKET hereunder
to any agency of the U. S. Government or U. S. Government subcontractor shall be
subject to restrictions as set forth in FAR 52.227-19 or DFARS
252.227-7013(c)(1) or success or regulations. Contractor/manufacturer is Open
Market, Inc., 1 Wayside Road, Burlington, Massachusetts 01803.

       9.8 Notices. Any notice required or permitted to be given hereunder shall
be given in writing to the party at the address specified above by personal
delivery, certified mail, return receipt requested, or by overnight delivery.

       9.9 Entire Agreement. This Agreement, including all attached Exhibits
referenced herein, is the entire agreement between Licensee and OPEN MARKET with
respect to its subject matter, and supersedes all prior and contemporaneous
proposals, statements and agreements (oral and written) with respect to such
subject matter, including but not limited to any inconsistent or conflicting
terms contained in any Licensee purchase order issued in connection with this
Agreement. No oral or written information or advice given by OPEN MARKET, its
agents or employees shall create a warranty or in any way increase the scope of
the warranties in this Agreement.

                                       11
<PAGE>

                                    EXHIBIT 1

                                   DEFINITIONS

"Active Account" means either a Buyer Consumer or Merchant Business Customer
account that has been established in the TRANSACT system and is registered
appropriately in the TRANSACT account database. Once established, the Active
Account is enabled for use by the applicable Buyer Consumer or Merchant Business
Customer.

"Buyer Consumer" means any customer either of Licensee or a Merchant Business
Customer, who establishes an Active Account with either Licensee or a Merchant
Business Customer with respect to transaction services provided via TRANSACT.

"Documentation" means the documentation, manuals or similar materials relating
to TRANSACT and all applicable Upgrades and generally made available by OPEN
MARKET to its TRANSACT licensees.

"Executable Code" means a form of computer program or portion thereof which can
be executed by a computer without further translation or modification. Examples
include binary code and code which can be directly executed by an interpreter.

"Merchant Business Customer" means any customer of Licensee who establishes an
Active Account with Licensee in order to provide transaction services to Buyer
Consumers via TRANSACT.

"Proprietary Information" is the confidential and valuable information of the
respective parties which the parties desire to protect against disclosure or
competitive use and which is either in written form and designated as
proprietary or confidential or is disclosed orally and is designated in writing
as being proprietary or confidential within ten (10) days of disclosure. OPEN
MARKET's Proprietary Information includes, without limitation, Source Code and
other proprietary information, trade secrets and know-how embodied in TRANSACT
and any results of benchmark tests run on TRANSACT.

"Source Code" means a form of computer program or portion thereof written in a
programming language employed by computer programmers which must be translated
into the language of a machine before it can be executed.

"TRANSACT" means OPEN MARKET's proprietary TRANSACT software, including the Core
Module bundle for the "Production", "Cold Spare Back-Up" and "Development"
licenses of TRANSACT, Upgrades and all optional Add-On Module components
("Optional Components")

"TRANSACT End User Customer" means any Merchant Business Customer or Buyer
Consumer to whom Licensee (or Licensee's Merchant Business Customer) will
provide products or services using TRANSACT. In each case, Merchant Business
Customers and Buyer Consumers must establish Active Accounts.

"Updates" means any modification by OPEN MARKET of TRANSACT that OPEN MARKET may
hereafter develop and make generally available to its TRANSACT Licensees in
accordance with OPEN MARKET's support program. Updates are represented by a
release number one or more places to the right of the decimal point.

"Upgrades" means all new versions, new releases and enhancements of TRANSACT
that OPEN MARKET may hereafter develop and make generally available to its
TRANSACT Licensees in accordance with OPEN MARKET's support program. Upgrades
are represented by a release number one or more places to the left of the
decimal point.

                                       12

<PAGE>

                                   EXHIBIT 4.2

                                MERCHANT LICENSES

I.  Merchant Licenses

Initial Merchant License Fee includes the following: one (1) gold master of
SecureLink CommerceOperator for Windows NT and associated Documentation Frame
Source Code; one (1) gold master of SecureLink CommerceOperator for UNIX and
associated Documentation Frame Source Code; and one (1) gold master of
SecureLink SDK and associated Documentation Frame Source Code (collectively,
"SecureLink software").

Subject to the terms of this Agreement, Licensee is granted the non-exclusive
right to provide transaction services to Buyer Consumers via TRANSACT on behalf
of licensed Merchant Business Customers. Licensee may redistribute the
SecureLink software, in Executable Code form only, to licensed Merchant Business
Customers under terms substantially similar to Open Market's standard shrinkwrap
end user SecureLink license agreement.

Licensee may grant each Merchant Business Customer the non-exclusive,
non-transferable, non-sublicensable right to the following: one (1) StoreID on
Licensee's TRANSACT and SecureLink software and documentation as needed.
Licensee may customize and redistribute SecureLink software and documentation to
licensed Merchant Business Customers as needed to support StoreIDs. Licensee is
responsible for first and second line support of Merchant licenses and
associated software. Open Market will provide back-up support only to Licensee.
For purposes hereunder, "Store ID" means a number that identifies a registered
store to the TRANSACT administrator, which is provided to the Merchant Business
Customer when it registers a store and which will appear on the appropriate
registration screens.

SecureLink for Windows NT gold master ("SecureLink Gold Master") Use
Restrictions

Use and Distribution Rights

Licensee can use the SecureLink Gold Master solely for the purpose of
customization and redistribution of SecureLink software to its Merchant Business
Customers in Executable Code form only. Proprietary rights to the Licensed
Programs described hereunder shall be governed by Article 4 of this Agreement.

Under no circumstances shall Licensee develop products that, either directly or
indirectly, are competitive with the SecureLink software licensed hereunder
based on access to and use of such SecureLink Gold Master as authorized
hereunder.

SecureLink Documentation Frame Source Code ("SecureLink Documentation") Use
Restrictions

Use and Distribution Rights

Licensee can use the SecureLink Documentation solely for the purposes of
customization and redistribution to its Merchant Business Customers in
Executable Code form only. Open Market shall have final review and approval
authority on all customized SecureLink Documentation to confirm technical
accuracy. Proprietary rights to the Licensed Programs described hereunder shall
be governed by Article 5 of the Agreement.

Under no circumstances shall Licensee develop products that, either directly or
indirectly, are competitive with the SecureLink Documentation licensed hereunder
based on access to and use of such SecureLink Documentation as authorized
hereunder.

                                       13

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