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                                                                     EXHIBIT 4.2

                             ORBIS DEVELOPMENT, INC.
                             2000 STOCK OPTION PLAN

         1. PURPOSE. The purpose of this 2000 Stock Option Plan (the "Plan") is
to enable Orbis Development, Inc. (the "Company") to attract and retain the
services of (i) selected employees, officers and directors of the Company or any
parent or subsidiary of the Company and (ii) selected nonemployee agents,
consultants, advisers and independent contractors of the Company or any parent
or subsidiary of the Company. For purposes of this Plan, a person is considered
to be employed by or in the service of the Company if the person is employed by
or in the service of the Company or any parent or subsidiary of the Company (an
"Employer").

         2. SHARES SUBJECT TO THE PLAN. Subject to adjustment as provided below
and in Section 7, the shares to be offered under the Plan shall consist of
Common Stock of the Company, and the total number of shares of Common Stock that
may be issued under the Plan shall be 750,000 shares. If an option granted under
the Plan expires, terminates or is canceled, the unissued shares subject to that
option shall again be available under the Plan.

         3. EFFECTIVE DATE AND DURATION OF PLAN.

            3.1 EFFECTIVE DATE. The Plan shall become effective as of
September 30, 2000. No Incentive Stock Option (as defined in Section 5 below)
granted under the Plan shall become exercisable, however, until the Plan is
approved by the affirmative vote of the holders of a majority of the shares of
Common Stock represented at a shareholders meeting at which a quorum is present
or by means of majority consent resolutions, and the exercise of any Incentive
Stock Options granted under the Plan before approval shall be conditioned on and
subject to that approval. Subject to this limitation, options may be granted
under the Plan at any time after the effective date and before termination of
the Plan.

            3.2 DURATION. The Plan shall continue in effect until all shares
available for issuance under the Plan have been issued and all restrictions on
the shares have lapsed. The Board of Directors may suspend or terminate the Plan
at any time except with respect to options then outstanding under the Plan.

            4. ADMINISTRATION.

            4.1 BOARD OF DIRECTORS. The Plan shall be administered by the Board
of Directors of the Company, which shall determine and designate the individuals
to whom awards shall be made, the amount of the awards and the other terms and
conditions of the awards. Subject to the provisions of the Plan, the Board of
Directors may adopt and amend rules and regulations relating to administration
of the Plan, advance the lapse of any waiting period, accelerate any exercise
date, waive or modify any restriction applicable to shares (except those
restrictions imposed by law) and make all other determinations in the judgment
of the Board of

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Directors necessary or desirable for the administration of the Plan. The
interpretation and construction of the provisions of the Plan and related
agreements by the Board of Directors shall be final and conclusive. The Board of
Directors may correct any defect or supply any omission or reconcile any
inconsistency in the Plan or in any related agreement in the manner and to the
extent it deems expedient to carry the Plan into effect, and the Board of
Directors shall be the sole and final judge of such expediency.

            4.2 COMMITTEE. The Board of Directors may delegate to any committee
of the Board of Directors (the "Committee") any or all authority for
administration of the Plan. If authority is delegated to the Committee, all
references to the Board of Directors in the Plan shall mean and relate to the
Committee, except (i) as otherwise provided by the Board of Directors and (ii)
that only the Board of Directors may amend or terminate the Plan as provided in
Sections 3 and 8.

         5.     TYPES OF AWARDS, ELIGIBILITY, LIMITATIONS. The Board of
                Directors may, from time to time, take the following actions,
                separately or in combination, under the Plan: (i) grant
                Incentive Stock Options, as defined in Section 422 of the
                Internal Revenue Code of 1986, as amended (the "Code"), as
                provided in Sections 6.1 and 6.2; and (ii) grant options other
                than Incentive Stock Options ("Non-Statutory Stock Options") as
                provided in Sections 6.1 and 6.3. Options may be granted to
                employees, including employees who are officers or directors,
                and to other individuals described in Section 1 selected by the
                Board of Directors; provided, however, that only employees of
                the Company or any parent or subsidiary of the Company (as
                defined in subsections 424(e) and 424(f) of the Code) are
                eligible to receive Incentive Stock Options under the Plan. The
                Board of Directors shall select the individuals to whom awards
                shall be made and shall specify the action taken with respect to
                each individual to whom an award is made. At the discretion of
                the Board of Directors, an individual may be given an election
                to surrender an option in exchange for the grant of a new
                option.

         6.   OPTION GRANTS.

              6.1    GENERAL RULES RELATING TO OPTIONS.

                     6.1-1 TERMS OF GRANT. The Board of Directors may grant
         options under the Plan. With respect to each option grant, the Board of
         Directors shall determine the number of shares subject to the option,
         the exercise price, the period of the option, the time or times at
         which the option may be exercised and whether the option is an
         Incentive Stock Option or a Non-Statutory Stock Option. At the time of
         the grant of an option or at any time thereafter, the Board of
         Directors may provide that an optionee who exercised an option with
         Common Stock of the Company shall automatically receive a new option to

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         purchase additional shares equal to the number of shares surrendered
         and may specify the terms and conditions of such new options.

                     6.1-2 EXERCISE OF OPTIONS. Except as provided in Section
         6.1-4 or as determined by the Board of Directors, no option granted
         under the Plan may be exercised unless at the time of exercise the
         optionee is employed by or in the service of the Company and shall have
         been so employed or provided such service continuously since the date
         the option was granted. Except as provided in Sections 6.1-4 and 7,
         options granted under the Plan may be exercised from time to time over
         the period stated in each option in amounts and at times prescribed by
         the Board of Directors, provided that options may not be exercised for
         fractional shares. Unless otherwise determined by the Board of
         Directors, if an optionee does not exercise an option in any one year
         for the full number of shares to which the optionee is entitled in that
         year, the optionee's rights shall be cumulative and the optionee may
         purchase those shares in any subsequent year during the term of the
         option.

                     6.1-3 NONTRANSFERABILITY. Each Incentive Stock Option and,
         unless otherwise determined by the Board of Directors at any time, each
         other option granted under the Plan by its terms (i) shall be
         nonassignable and nontransferable by the optionee, either voluntarily
         or by operation of law, except by will or by the laws of descent and
         distribution of the state or country of the optionee's domicile at the
         time of death, and (ii) during the optionee's lifetime, shall be
         exercisable only by the optionee.

                     6.1-4 TERMINATION OF EMPLOYMENT OR SERVICE.

                           6.1-4(a)GENERAL RULE. Unless otherwise determined by
              the Board of Directors at any time, if an optionee's employment or
              service with the Company terminates for any reason other than
              because of total disability or death as provided in Sections
              6.1-4(b) and (c), his or her option may be exercised at any time
              before the expiration date of the option or the expiration of 30
              days after the date of termination, whichever is the shorter
              period, but only if and to the extent the optionee was entitled to
              exercise the option at the date of termination.

                           6.1-4(b)TERMINATION BECAUSE OF TOTAL DISABILITY.
              Unless otherwise determined by the Board of Directors, if an
              optionee's employment or service with the Company terminates
              because of total disability, his or her option may be exercised at
              any time before the expiration date of the option or before the
              date 12 months after the date of termination, whichever is the
              shorter period, but only if and to the extent the optionee was
              entitled to exercise the option at the date of termination. The
              term "total disability" means a medically determinable mental or
              physical impairment that is expected to result in death or has
              lasted or is expected to last for a continuous period of 12 months
              or more and that, in the

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         opinion of the Company and two independent physicians, causes the
         optionee to be unable to perform his or her duties as an employee,
         director, officer or consultant of the Employer and unable to be
         engaged in any substantial gainful activity. Total disability shall be
         deemed to have occurred on the first day after the two independent
         physicians have furnished their written opinion of total disability to
         the Company and the Company has reached an opinion of total disability.

                     6.1-4(c)TERMINATION BECAUSE OF DEATH. Unless otherwise
         determined by the Board of Directors, if an optionee dies while
         employed by or providing service to the Company, his or her option may
         be exercised at any time before the expiration date of the option or
         before the date 12 months after the date of death, whichever is the
         shorter period, but only if and to the extent the optionee was entitled
         to exercise the option at the date of death and only by the person or
         persons to whom the optionee's rights under the option shall pass by
         the optionee's will or by the laws of descent and distribution of the
         state or country of domicile at the time of death.

                     6.1-4(d)AMENDMENT OF EXERCISE PERIOD APPLICABLE TO
         TERMINATION. The Board of Directors may at any time extend the 30-day
         and 12-month exercise periods any length of time not longer than the
         original expiration date of the option. The Board of Directors may at
         any time increase the portion of an option that is exercisable, subject
         to terms and conditions determined by the Board of Directors.

                     6.1-4(e) FAILURE TO EXERCISE OPTION. To the extent that the
         option of any deceased optionee or any optionee whose employment or
         service terminates is not exercised within the applicable period, all
         further rights to purchase shares pursuant to the option shall cease
         and terminate.

                     6.1-4(f)LEAVE OF ABSENCE. Absence on leave approved by the
         Employer or on account of illness or disability shall not be deemed a
         termination or interruption of employment or service. Unless otherwise
         determined by the Board of Directors, vesting of options shall continue
         during a medical, family or military leave of absence, whether paid or
         unpaid, and vesting of options shall be suspended during any other
         unpaid leave of absence.

               6.1-5 PURCHASE OF SHARES.

                     6.1-5(a)NOTICE OF EXERCISE. Unless the Board of Directors
         determines otherwise, shares may be acquired pursuant to an option
         granted under the Plan only upon the Company's receipt of written
         notice from the optionee of

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         the optionee's binding commitment to purchase shares, specifying the
         number of shares the optionee desires to purchase under the option and
         the date on which the optionee agrees to complete the transaction, and,
         if required to comply with the Securities Act of 1933, containing a
         representation that it is the optionee's intention to acquire the
         shares for investment and not with a view to distribution.

                     6.1-5(b)PAYMENT. Unless the Board of Directors determines
         otherwise, on or before the date specified for completion of the
         purchase of shares pursuant to an option exercise, the optionee must
         pay the Company the full purchase price of those shares in cash or by
         check or, with the consent of the Board of Directors, in whole or in
         part, in Common Stock of the Company valued at fair market value,
         restricted stock or other contingent awards denominated in either stock
         or cash, promissory notes and other forms of consideration. Unless
         otherwise determined by the Board of Directors, any Common Stock
         provided in payment of the purchase price must have been previously
         acquired and held by the optionee for at least six months. The fair
         market value of Common Stock provided in payment of the purchase price
         shall be the closing price of the Common Stock last reported before the
         time payment in Common Stock is made or, if earlier, committed to be
         made, if the Common Stock is publicly traded, or another value of the
         Common Stock as specified by the Board of Directors. No shares shall be
         issued until full payment for the shares has been made, including all
         amounts owed for tax withholding. With the consent of the Board of
         Directors, an optionee may request the Company to apply automatically
         the shares to be received upon the exercise of a portion of a stock
         option (even though stock certificates have not yet been issued) to
         satisfy the purchase price for additional portions of the option.

                     6.1-5(c)TAX WITHHOLDING. Each optionee who has exercised an
         option shall, immediately upon notification of the amount due, if any,
         pay to the Company in cash or by check amounts necessary to satisfy any
         applicable federal, state and local tax withholding requirements. If
         additional withholding is or becomes required (as a result of exercise
         of an option or as a result of disposition of shares acquired pursuant
         to exercise of an option) beyond any amount deposited before delivery
         of the certificates, the optionee shall pay such amount, in cash or by
         check, to the Company on demand. If the optionee fails to pay the
         amount demanded, the Company or the Employer may withhold that amount
         from other amounts payable to the optionee, including salary, subject
         to applicable law. With the consent of the Board of Directors, an
         optionee may satisfy this obligation, in whole or in part, by
         instructing the Company to withhold from the shares to be issued upon
         exercise or by delivering to the Company other shares of Common Stock;
         provided, however, that the number of shares so

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         withheld or delivered shall not exceed the minimum amount necessary to
         satisfy the required withholding obligation.

                     6.1-5(d)REDUCTION OF RESERVED SHARES. Upon the exercise of
         an option, the number of shares reserved for issuance under the Plan
         shall be reduced by the number of shares issued upon exercise of the
         option (less the number of any shares surrendered in payment for the
         exercise price or withheld to satisfy withholding requirements).

                     6.1-6 LIMITATIONS ON GRANTS TO NON-EXEMPT EMPLOYEES. Unless
         otherwise determined by the Board of Directors, if an employee of the
         Company or any parent or subsidiary of the Company is a non-exempt
         employee subject to the overtime compensation provisions of Section 7
         of the Fair Labor Standards Act (the "FLSA"), any option granted to
         that employee shall be subject to the following restrictions: (i) the
         option price shall be at least 85 percent of the fair market value, as
         described in Section 6.2-4, of the Common Stock subject to the option
         on the date it is granted; and (ii) the option shall not be exercisable
         until at least six months after the date it is granted; provided,
         however, that this six-month restriction on exercisability will cease
         to apply if the employee dies, becomes disabled or retires, there is a
         change in ownership of the Company, or in other circumstances permitted
         by regulation, all as prescribed in Section 7(e)(8)(B) of the FLSA.

                     6.1-7 LIMITATIONS ON GRANTS TO NON-EMPLOYEE DIRECTORS.
         Except as provided in the sentence that follows, notwithstanding
         anything in this Plan to the contrary, options may be granted to
         directors of the Company who are not also employees of the Company
         ("Non-employee Directors") only upon the conclusion of each regular
         annual meeting of the Company's stockholders and only if such
         Non-employee Director of the Company will continue serving as a member
         of the Board of Directors of the Company after such date.
         Notwithstanding the foregoing, (a) there shall be no limitation on
         options granted on the date this Plan first became effective to
         Non-employee Directors, and (b) new Non-employee Directors of the
         Company may receive a one-time grant of a Non-Statutory Stock Option
         for a number of shares as determined in the sole discretion of the
         Board of Directors, provided that such option, if any, is granted on
         the date when such Non-employee Director first joins the Board of
         Directors of the Company.

                6.2 INCENTIVE STOCK OPTIONS. Incentive Stock Options shall be
subject to the following additional terms and conditions:

                     6.2-1 LIMITATION ON AMOUNT OF GRANTS. If the aggregate fair
         market value of stock (determined as of the date the option is granted)
         for which Incentive Stock Options granted under this Plan (and any
         other stock incentive plan of the Company or its parent or subsidiary
         corporations, as defined in subsections 424(e) and 424(f) of the

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         Code) are exercisable for the first time by an employee during any
         calendar year exceeds $100,000, the portion of the option or options
         not exceeding $100,000, to the extent of whole shares, will be treated
         as an Incentive Stock Option and the remaining portion of the option or
         options will be treated as a Non-Statutory Stock Option. The preceding
         sentence will be applied by taking options into account in the order in
         which they were granted. If, under the $100,000 limitation, a portion
         of an option is treated as an Incentive Stock Option and the remaining
         portion of the option is treated as a Non-Statutory Stock Option,
         unless the optionee designates otherwise at the time of exercise, the
         optionee's exercise of all or a portion of the option will be treated
         as the exercise of the Incentive Stock Option portion of the option to
         the full extent permitted under the $100,000 limitation. If an optionee
         exercises an option that is treated as in part an Incentive Stock
         Option and in part a Non-Statutory Stock Option, the Company will
         designate the portion of the stock acquired pursuant to the exercise of
         the Incentive Stock Option portion as Incentive Stock Option stock by
         issuing a separate certificate for that portion of the stock and
         identifying the certificate as Incentive Stock Option stock in its
         stock records.

                     6.2-2 LIMITATIONS ON GRANTS TO 10 PERCENT SHAREHOLDERS. An
         Incentive Stock Option may be granted under the Plan to an employee
         possessing more than 10 percent of the total combined voting power of
         all classes of stock of the Company or any parent or subsidiary (as
         defined in subsections 424(e) and 424(f) of the Code) only if the
         option price is at least 110 percent of the fair market value, as
         described in Section 6.2-4, of the Common Stock subject to the option
         on the date it is granted and the option by its terms is not
         exercisable after the expiration of five years from the date it is
         granted.

                     6.2-3 DURATION OF OPTIONS. Subject to Sections 6.1-2, 6.1-4
         and 6.2-2, Incentive Stock Options granted under the Plan shall
         continue in effect for the period fixed by the Board of Directors,
         except that by its terms no Incentive Stock Option shall be exercisable
         after the expiration of 10 years from the date it is granted.

                     6.2-4 OPTION PRICE. The option price per share shall be
         determined by the Board of Directors at the time of grant. Except as
         provided in Section 6.2-2, the option price shall not be less than 100
         percent of the fair market value of the Common Stock covered by the
         Incentive Stock Option at the date the option is granted. The fair
         market value shall be the closing price of the Common Stock last
         reported before the time the option is granted, if the stock is
         publicly traded, or another value of the Common Stock as specified by
         the Board of Directors.

                     6.2-5 LIMITATION ON TIME OF GRANT. No Incentive Stock
         Option shall be granted on or after the tenth anniversary of the last
         action by the Board of Directors adopting the Plan or approving an
         increase in the number of shares available for issuance under the Plan,
         which action was subsequently approved within 12 months by the

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         shareholders.

                     6.2-6 EARLY DISPOSITIONS. If within two years after an
         Incentive Stock Option is granted or within 12 months after an
         Incentive Stock Option is exercised, the optionee sells or otherwise
         disposes of Common Stock acquired on exercise of the Option, the
         optionee shall within 30 days of the sale or disposition notify the
         Company in writing of (i) the date of the sale or disposition, (ii) the
         amount realized on the sale or disposition and (iii) the nature of the
         disposition (e.g., sale, gift, etc.)

                6.3 NON-STATUTORY STOCK OPTIONS. Non-Statutory Stock Options
shall be subject to the following terms and conditions, in addition to those set
forth in Section 6.1 above:

                    6.3-1 OPTION PRICE. The option price for Non-Statutory
         Stock Options shall be determined by the Board of Directors at the time
         of grant and may be any amount determined by the Board of Directors.

                    6.3-2 DURATION OF OPTIONS. Non-Statutory Stock Options
         granted under the Plan shall continue in effect for the period fixed by
         the Board of Directors.

         7.     CHANGES IN CAPITAL STRUCTURE.

                7.1 STOCK SPLITS, STOCK DIVIDENDS. If the outstanding Common
Stock of the Company is hereafter increased or decreased or changed into or
exchanged for a different number or kind of shares or other securities of the
Company by reason of any stock split, combination of shares, dividend payable in
shares, recapitalization or reclassification, appropriate adjustment shall be
made by the Board of Directors in the number and kind of shares available for
grants under the Plan and in all other share amounts set forth in the Plan. In
addition, the Board of Directors shall make appropriate adjustment in the number
and kind of shares as to which outstanding options, or portions thereof then
unexercised, shall be exercisable, so that the optionee's proportionate interest
before and after the occurrence of the event is maintained. Notwithstanding the
foregoing, the Board of Directors shall have no obligation to effect any
adjustment that would or might result in the issuance of fractional shares, and
any fractional shares resulting from any adjustment may be disregarded or
provided for in any manner determined by the Board of Directors. Any such
adjustments made by the Board of Directors shall be conclusive.

                7.2 MERGERS, REORGANIZATIONS, ETC. In the event of a merger,
consolidation, plan of exchange, acquisition of property or stock, split-up,
split-off, spin-off, reorganization or liquidation to which the Company is a
party or any sale, lease, exchange or other transfer (in one transaction or a
series of related transactions) of all, or substantially all, of the assets of
the Company (each, a "Transaction"), the Board of Directors shall, in its sole
discretion and to the extent possible under the structure of the Transaction,
select one of the following alternatives for treating outstanding options under
the Plan:

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                     7.2-1 Outstanding options shall remain in effect in
         accordance with their terms.

                     7.2-2 Outstanding options shall be converted into options
         to purchase stock in one or more of the corporations, including the
         Company, that are the surviving or acquiring corporations in the
         Transaction. The amount, type of securities subject thereto and
         exercise price of the converted options shall be determined by the
         Board of Directors of the Company, taking into account the relative
         values of the companies involved in the Transaction and the exchange
         rate, if any, used in determining shares of the surviving
         corporation(s) to be held by holders of shares of the Company following
         the Transaction. Unless otherwise determined by the Board of Directors,
         the converted options shall be vested only to the extent that the
         vesting requirements relating to options granted hereunder have been
         satisfied.

                     7.2-3 The Board of Directors shall provide a period of 30
         days or less before the completion of the Transaction during which
         outstanding options may be exercised to the extent then exercisable,
         and upon the expiration of that period, all unexercised options shall
         immediately terminate. The Board of Directors may, in its sole
         discretion, accelerate the exercisability of options so that they are
         exercisable in full during that period.

                7.3 DISSOLUTION OF THE COMPANY. In the event of the dissolution
of the Company, options shall be treated in accordance with Section 7.2-3.

                7.4 RIGHTS ISSUED BY ANOTHER CORPORATION. The Board of Directors
may also grant options under the Plan with terms, conditions and provisions that
vary from those specified in the Plan, provided that any such awards are granted
in substitution for, or in connection with the assumption of, existing options
granted by another corporation and assumed or otherwise agreed to be provided
for by the Company pursuant to or by reason of a Transaction.

         8. AMENDMENT OF THE PLAN. The Board of Directors may at any time modify
or amend the Plan in any respect. No change in an award already granted shall be
made without the written consent of the holder of the award if the change would
adversely affect the holder.

         9. APPROVALS. The Company's obligations under the Plan are subject to
the approval of state and federal authorities or agencies with jurisdiction in
the matter. The Company will use its best efforts to take steps required by
state or federal law or applicable regulations, including rules and regulations
of the Securities and Exchange Commission and any stock exchange on which the
Company's shares may then be listed, in connection with the grants under the
Plan. The foregoing notwithstanding, the Company shall not be obligated to issue
or deliver Common Stock under the Plan if such issuance or delivery would
violate state or federal

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securities laws.

         10. EMPLOYMENT AND SERVICE RIGHTS. Nothing in the Plan or any award
pursuant to the Plan shall (i) confer upon any employee any right to be
continued in the employment of an Employer or interfere in any way with the
Employer's right to terminate the employee's employment at will at any time, for
any reason, with or without cause, or to decrease the employee's compensation or
benefits, or (ii) confer upon any person engaged by an Employer any right to be
retained or employed by the Employer or to the continuation, extension, renewal
or modification of any compensation, contract or arrangement with or by the
Employer.

         11. RIGHTS AS A SHAREHOLDER. The recipient of any award under the Plan
shall have no rights as a shareholder with respect to any shares of Common Stock
until the date the recipient becomes the holder of record of those shares.
Except as otherwise expressly provided in the Plan, no adjustment shall be made
for dividends or other rights for which the record date occurs before the date
the recipient becomes the holder of record.

Adopted:  March 1, 2001
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                                                                    EXHIBIT 10.1

                           TERMS OF MERCHANT AGREEMENT

A.       MERCHANT'S ACCEPTANCE OF CARDS.

Merchant shall honor without discrimination valid Cards properly tendered for
use. For purposes of this Agreement, "Card" means a credit or debit Card issued
pursuant to the rules and regulations (the "Rates") of VISA, MasterCard or any
other Card associations for which Orbis Development, Inc. provides Card
processing pursuant to this Agreement (each, an "Association"). Merchant shall
record and tender to Orbis Development, Inc. all Card transactions on the
appropriate paper forms or via electronic data transmission (all such Sales Data
and electronic records collectively referred to herein as "Sales Data").
Throughout the term of this Agreement, Merchant agrees not to use the services
of any bank, corporation, entity or person other than Orbis Development, Inc.
for authorization of Card transactions or for presentation of Sales Data into
the interbank clearing systems of any Association. Merchant represents and
warrants that its execution of and performance under this Agreement in no way
breaches, contravenes, violates or in any manner conflicts with any legal
obligation of Merchant, including, without limitation, any Agreement between or
among Merchant, and any third party or parties. As to each Card transaction
evidenced by Sales Data tendered to Orbis Development, Inc., Merchant represents
and warrants to Orbis Development, Inc. that (i) the Sales Data represents
payment or refund of payment not previously tendered to Orbis Development, Inc.,
for the bona fide sale or lease of the goods, services or both described in
Schedule A to this Agreement, which have been provided by Merchant in the
ordinary course of Merchant's business, and is originated by Merchant in
compliant with this Agreement and the Rules; (ii) the transaction represents
obligations of the person to whom the Card has been issued and/or the authorized
user (the "Cardholder") for the amounts in the transaction and only for goods
actually sold or leased or services actually rendered (including taxes) and does
not involve any element of credit for any other purpose; (iii) the Sales Data is
free from any alteration not authorized by the Cardholder; (iv) the transaction
is in compliance with all applicable laws, ordinances, and regulations; (v) the
indebtedness represented by the Sales Data has not been pledged as collateral
for payment of any indebtedness or obligation of Merchant or any other person;
(vi) Merchant has no knowledge or notice of information that would lend it to
believe that the enforceability and collectibility of the subject Sales Data is
in any manner impaired; (vii) neither Merchant nor any representative, agent or
employee of Merchant has advanced any sum to any Cardholder or to any
representative, agent or employee of Merchant in connection with the Card
transaction; (viii) the transaction is not submitted on behalf of a third party
and no third party is involved in the transaction; and (ix) Merchant has not
imposed any surcharge or finance charge on the Card transaction or otherwise has
required the Cardholder to pay fees due to Orbis Development, Inc. hereunder. In
addition to the preceding Merchant expressly represents and warrants to Orbis
Development, Inc. that, with respect to any transaction in which a Card is not
physically presented to Merchant, such as in any mail, telephone or
pre-authorized transaction for which Orbis Development, Inc. has agreed to
provide processing, the Sales Data has been furnished by the Cardholder or an
authorized user of the Card and the information contained in the Sales Data,
including without limitation the Cardholder's Account number and Card expiration
date, is accurate and correct. Merchant shall not tender Sales Data to Orbis
Development, Inc. until the goods or services represented thereby have been
delivered or rendered.

                                                  Initial________ Date: ________

B.       AUTHORIZATIONS

Merchant agrees as follows: (i) Merchant shall obtain authorization for all Card
transactions, by contacting the approval center designated by Orbis Development,
Inc.; (ii) presentation of Sales Data shall be neither effective nor accepted by
Orbis Development, Inc. unless a proper approval code or authorization number is
clearly marked thereon; and (iii) Sales Data shall be presented to Orbis
Development, Inc. on or before the business day immediately following the day
that such Sales Data is originated, unless Orbis Development, Inc.'s facilities
are closed on such day, in which event such Sales Data shall be deposited by
10:00 a.m. on Orbis Development, Inc.'s next business day. Merchant acknowledges
that authorization of a Card transaction indicates only that credit is available
for the Card transaction at the time the authorization is given and does not
constitute a representation or warranty by Orbis Development, Inc. regarding the
user of the Card or the validity of the transaction, or that the transaction
will not be the subject of a chargeback.

                                                  Initial________ Date: ________

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<PAGE>   2

C.       OPERATING GUIDE AND ASSOCIATION RULES

Orbis Development, Inc. will supply Merchant with an Operating Guide, the terms
of which are incorporated in this Agreement. Orbis Development, Inc. may from
time to time advise Merchant of requirements imposed by the Rules. For all Card
transactions, Merchant shall comply with the Operating Guide and Rules. If there
is any conflict between the terms of this Agreement and the Operating Guide and
rules, the terms of this Agreement will govern. Merchant's signature on this
Agreement constitutes the acknowledgment that Merchant has received, has
reviewed and understands the Operating Guide.

                                                  Initial________ Date: ________

D.       TRAVEL AND ENTERTAINMENT CARDS

Orbis Development, Inc.'s sole responsibility for transactions involving Cards
issued by American Express, Diners Club/Carte Blanche, Discover Card and JCB
(each, a "TITLE Card Issuer") will be to provide the services specified in the
Operating Guide for the T&E Card types designated in Schedule A. Except to the
extent Orbis Development, Inc. provides settlement services for JCB or Diners
Club/Carte Blanche transactions, all chargeback obligations and similar
financial responsibilities arising from Merchant's T&E Card transactions will be
governed exclusively by Merchant's Agreement with the respective T&E Card Issuer
("Issuer Agreement") and will be resolved between Merchant and the applicable
T&E Card Issuer. All references to "Card", "Association", and "Rules" in this
Agreement refer to T&E Cards, T&E Card Issuers, and T&E Card Issuer rules and
regulations only to the extent the Operating Guide makes the provisions in which
such terms are used applicable to transactions involving the T&E Card Issuer.
Merchant shall not seek authorization for or submit for processing or settlement
any T&E Card transactions unless Merchant has in effect a valid Issuer Agreement
with such T&E Card Issuer. Immediately upon the termination of any Issuer
Agreement, Orbis Development, Inc. shall have no further obligation to provide
any services to Merchant for transactions involving such T&E Card Issuer's
Cards. Orbis Development, Inc. does not warrant or bear any responsibility for
any T&E Card Issuer or for its performance of any obligations to Merchant. If
any Issuer Agreement requires a T&E Card Issuer's consent for Orbis Development,
Inc. to perform the services contemplated by this Agreement, Merchant is
responsible for obtaining that consent.

                                                  Initial________ Date: ________

E.       SETTLEMENT

(a) Merchant acknowledges that all deposits to the Account (the "Account") at
the financial institution identified in Part I (the "Bank") for the debiting end
crediting of Card transactions or other payments constitute provisional credits
only and are subject to Orbis Development, Inc.'s final audit and verification.
Merchant hereby authorizes Orbis Development, Inc. to debit the Account for
amounts due to Orbis Development, Inc. without respect to the source of any
funds in the Account. This authority will remain in full force and effect until
Orbis Development, Inc. has notified the Bank that all monies due from Merchant
under this Agreement have been paid in full. With respect to Automated Clearing
House ("ACH") settlement, of Card transactions, Merchant hereby (i) agrees to be
bound by the terms of the operating rules of the National Automated Clearing
House Association, as in effect from time to time, and (ii) authorizes Orbis
Development, Inc. to initiate ACH credit and debit entries and adjustments to
the Account. Orbis Development, Inc. shall not be liable for any delays in
receipt of funds or errors in Account entries caused by third parties, including
but not limited to, the Associations or the Bank. Merchant shall not close the
Account without providing Orbis Development, Inc. at least five (5) days' prior
written notice of such closure and substitution of another Account. Merchant
shall be solely liable for all fees and costs associated with the Account.

(b) Merchant shall use Equipment approved by Orbis Development, Inc. to transmit
Sales Data to Orbis Development, Inc. or its designee at least once every
twenty-four (24) hours. Merchant will be solely responsible for all
communication expenses required to accomplish the transmission of Sales Data.
Merchant acknowledges that Orbis Development, Inc., will not accept Sales Data
tendered more than thirty (30) days after the transaction represented thereby,

(c) To the extent Sales Data does not represent sufficient credits or the
Account does not have a sufficient balance to pay amounts due to Orbis
Development, Inc. under this Agreement, Orbis Development, Inc. shall have the
right to pursue one or more of the following: (i) demand and receive immediate
payment from Merchant for such amounts; (ii) terminate this Agreement; (iii)
withhold settlement payments to Merchant; (iv) pursue any remedies Orbis

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<PAGE>   3

Development, Inc. may have at law or in equity; and (v) collect any amount due
or which may become due to Orbis Development, Inc. from any Merchant Accounts at
the Bank or at any other financial institution without notice to Merchant.
Merchant hereby gives Orbis Development, Inc. a security interest in all such
Accounts for such purpose.

(d) If Merchant believes that any adjustments should be made to the Account,
Merchant must notify Orbis Development, Inc. in writing within forty-five (45)
days after the debit or credit in question was made. Failure to notify Orbis
Development, Inc. within such time period, Orbis Development, Inc. will not be
responsible for investigating or affecting any requested adjustments. If
Merchant notifies Orbis Development, Inc. after such time period, Orbis
Development, Inc. shall have no obligation to affect any such adjustments.
Efforts by Orbis Development, Inc. to assist Merchant in investigating such
matters will not create any obligations to continue such investigation or assist
with any investigation in response to any future notices of possible adjustments
that are not timely submitted.

                                                  Initial________ Date: ________

F.       RESERVE ACCOUNT

Merchant agrees that at any time and from time to time Orbis Development, Inc.
may designate an amount of funds that Merchant must maintain with Orbis
Development, Inc. in order to protect Orbis Development, Inc. against the risk
of existing or anticipated chargebacks and to satisfy any other Merchant
obligations under this Agreement (the "Reserve Account"). Orbis Development,
Inc. may establish the Reserve Account unilaterally by withholding funds due to
Merchant, debiting the Account, or requesting and receiving from Merchant a cash
deposit. Orbis Development, Inc. may receive out of the Reserve Account all
amounts, which are or become due to Orbis Development, Inc. pursuant to this
Agreement. However, the existence of a Reserve Account will not limit Orbis
Development, Inc.'s right to debit the Account or withhold ongoing settlement
payments for chargebacks, potential chargebacks and adjustments. In the event
Merchant fails to establish or maintain any required Reserve Account, Orbis
Development, Inc. may immediately terminate this Agreement and may exercise any
other rights Orbis Development, Inc. has hereunder. The Reserve Account shall
not bear interest, and Merchant shall have no right to return of the funds in
the Reserve Account until all of Merchant's obligations under this Agreement are
satisfied. In addition, and notwithstanding the lack of outstanding obligations
by Merchant at the termination of this Agreement, Orbis Development, Inc. is
authorized to retain the funds in the Reserve Account for a period not to exceed
ten (10) months after termination of this Agreement or for such longer period of
time as reasonably determined by Orbis Development, Inc. to be necessary.
Accordingly, Merchant's obligations under this Section 6 shall survive
termination of this Agreement.

                                                  Initial________ Date: ________

G.       CHARGEBACKS OF TRANSACTIONS

If any Sales Data for which Orbis Development, Inc. has credited the Account is
the subject of a chargeback or there is any dispute, claim, counterclaim,
defense or setoff asserted by a Cardholder against Merchant with respect to any
goods or services purchased or leased by use of a Card, whether or not said
assertion is valid, Orbis Development, Inc. may deduct from settlement payments
due to Merchant or debit the Account in an amount equal to 100% of the amount
previously credited for the subject Sales Data. Alternatively, Orbis
Development, Inc. may demand (either orally or in writing) that Merchant pay
Orbis Development, Inc. 100% of the amount that previously was credited for the
subject Sales Data, and Merchant shall make such payment within one (1) business
day of such demand. Subsequently, Merchant may resubmit such Sales Data to Orbis
Development, Inc. for a second presentation into the applicable Association's
Interbank Clearing System, in accordance with the Rules of such Association.

                                                  Initial________ Date: ________

H.       ADVERTISING

Merchant shall display Association decals and program marks on promotional
materials furnished by Orbis Development, Inc., as required by the Rules, but
must not indicate that any of the Associations endorses Merchant's goods or
services. Merchant shall not use such Orbis Development, Inc. promotional
materials after termination of this Agreement.

                                                  Initial________ Date: ________
I.       FEES

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<PAGE>   4

(a) Merchant shall pay Orbis Development, Inc. for the services set forth in
Schedule A in accordance with the pricing schedule set forth therein. Merchant
acknowledges that such pricing is based on Merchant's representation as to its
volume of credit Card transactions, method of processing and interchange
qualification criteria and, to the extent Merchant's actual volumes, method and
criteria differ from such representation, Orbis Development, Inc. at its option
may, from time to time modify the pricing set forth on Schedule A.

(b) Orbis Development, Inc. may change its fees, charges and discounts from time
to time resulting from increases in the fees and charges imposed by any
Association or third party vendor by giving notice of the change to Merchant.
Any price change imposed by Orbis Development, Inc. that is caused by changes in
the published fees of any Association shall be applicable to Merchant as of the
effective date established by the Association. As to any price change not thus
caused by Association increases, Orbis Development, Inc. shall provide Merchant
with at least thirty (30) days' notice of the effective date of the price
change. In addition to the above increases, Orbis Development, Inc. may increase
the fees, charges and discounts set forth on Schedule A for any reason after
twelve (12) months from the date hereof by not more than five percent (5%).
Merchant's presentation of any Sales Data to Orbis Development, Inc. after such
effective date shall constitute Merchant's acceptance of the new prices.

                                                  Initial________ Date: ________

J.       INDEMNIFICATION AND PERSONAL GUARANTY

(a) Merchant agrees to and hereby does indemnify and hold Orbis Development,
Inc., the Associations and their affiliates harmless from and against any and
all losses, liabilities, claims by Cardholders or other third parties, and
damages of any and every kind (including, without limitation, Orbis Development,
Inc.'s costs, expenses and reasonable attorneys' fees) to which such parties may
be subjected arising out of or attributed, directly or indirectly, to: (i) any
noncompliance by Merchant with this Agreement or the Rules; (ii) any return of
goods, price adjustment or other dispute with or claim by a Cardholder (whether
or not such Cardholder's claim or demand is valid), any credit memorandum, or
any Sales Data submitted to Orbis Development, Inc. differing from the original;
(iii) any chargeback that arises from the transactions that are subject to this
Agreement; (iv) any services provided by any Association; (v) the purchase,
delivery, installation, acceptance, rejection, ownership, possession, use,
operation, condition, liens against, or return of the Equipment; (vi) any breach
by Merchant of any of Merchant's representations, warranties or obligations
hereunder; and (vii) any voluntary or involuntary bankruptcy or insolvency
petition or proceeding involving Merchant or any of its parent, subsidiary or
affiliated entities. This indemnity shall survive the termination of this
Agreement.

(b) Any individual who signs this Agreement as a Guarantor acknowledges that he
or she is a principal owner of Merchant's business and will benefit from the
services and financial accommodation Orbis Development, Inc. provides to
Merchant's business. To induce Orbis Development, Inc. to enter into this
Agreement, any individual signing as a Guarantor hereby personally guarantees
Merchant's obligations (including all payment and indemnity obligations)
contained in this Agreement, any amendments hereto, and any other Agreement with
Orbis Development, Inc. or any of its affiliates. If there is more than one
Guarantor, each such Guarantor will be jointly and severally liable. Orbis
Development, Inc. may proceed against any Guarantor with or without joining
Merchant or any third party and without first or contemporaneously proceeding
against, or seeking to collect from, any other such person.

                                                  Initial________ Date: ________

K.       RECORDS

MERCHANT SHALL STORE ORIGINAL DOCUMENTATION OF EACH TRANSACTIONION FOR AT LEAST
SIX (6) MONTHS FROM THE DATE OF THE RESPECTIVE TRANSACTION, AND SHALL RETAIN
COPIES OF ALL SUCH DATA FOR AT LEAST THREE (3) YEARS FROM THE DATE OF THE
RESPECTIVE TRANSACTION. Merchant shall not charge any fee for the creation or
storage of such copies. If Orbis Development, Inc. receives any request for
retrieval of Sales Data, Orbis Development, Inc. shall transmit such request to
Merchant, and Merchant shall promptly provide to Orbis Development, Inc. (or to
the Card issuing financial institution Orbis Development, Inc. so directs) a
copy of the requested Sales Data, all in compliance with the applicable Rules.
In addition to the indemnity set forth herein, Merchant hereby indemnifies and
holds Orbis Development, Inc. harmless from and against any and all losses,
liabilities and chargebacks arising out of Merchant's failure to comply with a
request for retrieval of Sales Data. Merchant acknowledges that its failure to
comply with a retrieval in accordance with the respective Association's Rules
may result in a chargeback of the subject transaction. Orbis Development, Inc.,
in its sole direction, from time to time, may require Merchant to Deliver
Original Sales Data to Orbis Development, Inc. rather than storing such Data.

                                                  Initial________ Date: ________

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<PAGE>   5

L.       NO DISCLOSURE OF CARDHOLDER INFORMATION

Merchant shall not sell, provide, exchange, or otherwise disclose to third
parties (other than to Merchant's agents and contractors for the purpose of
assisting Merchant in completing a transaction, or to the applicable
Association, or as specifically required by law) any Cardholder's Account
number, Account information, or any other information about the Cardholder
without obtaining the prior written consent of the Cardholder on a document
other than the Sales Data. These prohibitions shall be applicable to any and all
forms, documents and media in which such Account numbers or other information
may be set forth or stored (including as examples, but without limitation, Sales
Data, carbon copies and photocopies), and Merchant shall utilize storage and
disposal procedures that will prevent any improper disclosure of such Account
numbers and other information. Merchant shall notify Orbis Development, Inc.
immediately upon the occurrence of any improper disclosure or circumstances that
could result in any improper disclosure of such Account.

                                                  Initial________ Date: ________

M.       INFORMATION ABOUT MERCHANT'S BUSINESS

Each Merchant and the undersigned Guarantors agrees to furnish to Orbis
Development, Inc. upon five (5) days' notice such financial statements and
information concerning such Guarantors and Merchant or its parent, subsidiary
and affiliated entities as Orbis Development, Inc. may from time to time
request. Without prior notice given to Merchant, (but during Merchant's normal
business hours), Orbis Development, Inc. or its duly authorized representatives
may visit Merchant's business premises, and may examine those books and records
of Merchant that pertain to Merchant's Sale and/or leases made by honoring
Cards, including without limitation Merchant's books and records concerning all
Sales Data presented to Orbis Development, Inc. for credit. Merchant and
Merchant's principals, officers, partners or proprietors, as the case may be
need to provide Orbis Development, Inc. at least thirty (30) days' prior written
notice of its or their intent to change in any way the basic nature of
Merchant's business, including, without limitation, any change in the manner in
which Merchant accepts Cards. Merchant shall also give Orbis Development, Inc.
prompt notice of any potential material adverse change to Merchant's business.
Each of Merchant and Guarantors agrees to provide Orbis Development, Inc. with
prompt written notice if any Guarantor, Merchant or any of its parent,
subsidiary or affiliated entities are the subject of any voluntary or
involuntary bankruptcy or insolvency petition or proceeding.

                                                  Initial________ Date: ________

N.       SIDE OF EQUIPMENT

Sections "O" through "T" of this Agreement govern the sale of certain Equipment
identified in Schedule A (the "Purchased Equipment') which Orbis Development,
Inc. is providing to Merchant in connection with the services provided by Orbis
Development, Inc. pursuant to this Agreement. THE EQUIPMENT IS NOT BEING SOLD TO
ANY PERSON OR ENTITY OTHER THAN MERCHANT OR FOR HOME, FAMILY, OR PERSONAL USE.

                                                  Initial________ Date: ________

O.       PURCHASED EQUIPMENT

Orbis Development, Inc. will sell to Merchant any and all Equipment to be
purchased by Merchant (the "Purchased Equipment") and at prices set forth in
Schedule A, free and clear of all liens and encumbrances (subject to Section
19(b)), except that any software (as defined in Section 17 below) will not be
sold to Merchant but instead will be provided to Merchant pursuant to, and
subject to the conditions of, the license contained in Section 17 hereof.
Merchant shall pay the purchase price for the Purchased Equipment and the
related software license(s), including all applicable taxes.

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<PAGE>   6

                                                  Initial________ Date: ________

P.       USE OF EQUIPMENT; INSURANCE

During the term of this Agreement, Merchant shall: i) cause the Equipment to be
operated by qualified personnel in accordance with the manufacturer's operating
instructions and in accordance with any Operating Procedures provided by Orbis
Development, Inc.; (ii) not use the Equipment or permit the Equipment to be
used, in any manner or for any purpose for which it is not designed; (iii) not
permit any physical alteration or modification of the Equipment without Orbis
Development, Inc.'s prior written consent; and (iv) comply with all governmental
laws, rules and regulations relating to the use of the Equipment and, at no
expense to Orbis Development, Inc., obtain all legally required permits for the
Equipment. The loss, destruction, theft of or damage to the Equipment shall not
relieve Merchant from Merchant's obligation to pay the full purchase price
payable hereunder.

                                                  Initial________ Date: ________

Q.       SOFTWARE LICENSE

Anything in this Agreement to the contrary notwithstanding, Orbis Development,
Inc. retains all ownership and copyright interest in and to all software,
computer programs, related documentation, technology, know how and processes
embodied in or provided in connection with the Equipment (collectively, the
"Software"), and Merchant shall have only a non-exclusive license to use the
Software in the operation of the Equipment. Merchant shall not reverse-engineer,
disassemble or decompile the Software. Merchant shall not give any third party,
except Merchant's employees, access to the Software without Orbis Development,
Inc.'s prior written consent. Merchant's obligations under this Section 17 shall
survive the termination of this Agreement.

                                                  Initial________ Date: ________

R.       TAXES

Merchant agrees to pay any sales taxes imposed on the sale of Equipment
contemplated by this Agreement during the term of this Agreement and authorizes
Orbis Development, Inc., or Orbis Development, Inc.'s assigns to increase the
amount of Merchant's preauthorized payment to reflect any and all increases in
the local sales, use, occupational, property or other taxes imposed on such sale
of Equipment.

                                                  Initial________ Date: ________

S.       SECURITY INTEREST; SETOFF RIGHTS; FINANCING STATEMENTS

(a) Merchant irrevocably grants to Orbis Development, Inc. a lien against and
security interest in any funds pertaining to the transactions contemplated by
this Agreement now in its possession or that may come into Orbis Development,
Inc.'s possession, whether due, or to become due to Merchant, together with the
proceeds thereof. Any such funds may be commingled with other funds and need not
be maintained in a separate Account. Merchant agrees to execute and deliver to
Orbis Development, Inc. such instrument, and documents that Orbis Development,
Inc. may reasonably request to perfect and confirm the lien, security interest
and right of setoff set forth in this Agreement.

(b) Merchant irrevocably grants to Orbis Development, Inc. a lien against and
security interest in all Purchased Equipment and the related Software to secure
payment of the purchase price thereof and authorizes Orbis Development, Inc. to
file financing statements (and any appropriate amendments thereto) with respect
to the Equipment and the Software in accordance with the Uniform Commercial
Code, signed only by Orbis Development, Inc. or signed by Orbis Development,
Inc. as Merchant's attorney-in-fact.

                                                  Initial________ Date: ________

T.       TERMS AND TERMINATION

(a) The original term of this Agreement shall commence with Orbis Development,
Inc.'s acceptance hereof (as evidenced by the commencement of Orbis Development,
Inc.'s performance hereunder), and shall continue until either (i) terminated by
giving at least thirty (30) days' notice of non-renewal to Orbis Development,
Inc., or (ii) terminated by Orbis Development, Inc. by giving notice to Merchant
(such termination by Orbis Development, Inc. to be effective

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as of date set forth in such notice or, if no such date is set forth, to be
effective as of the date such notice is received by Merchant). In the event
Merchant submits Sales Data to Orbis Development, Inc. after the termination,
the Sales Data may be processed subject to the terms and conditions of this
Agreement.

(b) The obligations, warranties, and liabilities and Merchant pertaining to
Sales Data presented (including without limitation Merchant's obligations as to
subsequent chargebacks among such Sales Data, whether or not the amount of such
subsequent chargebacks is liquidated as of the date of termination) shall
survive the termination and shall continue in full force and effect as if such
termination had not occurred. Upon termination of this Agreement, all amounts
payable to Orbis Development, Inc. shall be due and payable in full without
demand or notice of any kind (any Merchant expressly waives such notice) and
Merchant shall immediately present all Sales Data made up to the date of
termination. In connection with the termination of this Agreement, Orbis
Development, Inc. shall notify Merchant of the estimated aggregate dollar amount
of Merchant's chargebacks and other obligations and liabilities that Orbis
Development, Inc. reasonably anticipates subsequent to termination, and Merchant
shall immediately deposit such amount with Orbis Development, Inc. or Orbis
Development, Inc. may withhold such amounts from funds due to Merchant to
establish a Reserve Account pursuant to and governed by the terms and conditions
of Section 6 hereof.

                                                  Initial________ Date: ________

U.       REMEDIES

(a) With respect to the Equipment, if any debit of the Account initiated by
Orbis Development, Inc. for the purchase price or any other Equipment charges
hereunder is rejected for whatever reason when due or if there are insufficient
funds available in the Account or due Merchant under this Agreement for Orbis
Development, Inc. to apply a debit or deduction thereto to collect amounts due
for Equipment, or upon termination of this Agreement, Orbis Development, Inc.
shall have the right to exercise one or more of the following remedies: (i)
declare due and recover from Merchant the entire amounts due and to become due
for Equipment for the balance of the term of this Agreement; (ii) require
Merchant to return the Leased Equipment or Purchased Equipment not yet fully
paid for in accordance with the terms of this Agreement (collectively, the
"Applicable Equipment"); (iii) enter or cause Orbis Development, Inc.'s agents
to enter, with or without legal process, prior notice or judicial hearing, any
premises where Applicable Equipment is located and take immediate possession of
any Applicable Equipment and remove the same; (iv) sell Applicable Equipment at
public or private sale (and Orbis Development, Inc. shall have the right to
purchase any or all of such Applicable Equipment at such sale); (v) utilize any
proceeds from the sale of Applicable Equipment to pay all charges and expenses
incurred by Orbis Development, Inc. in connection with or incidental to the
repossession, storage and preparation for sale of the Applicable Equipment and
to credit the remainder of the sale price to the unpaid balance of the purchase
price due hereunder, with Merchant remaining liable for any deficiency; and
(vii) exercise any other right or remedy which may be available to Orbis
Development, Inc. under applicable law, including the right to recover damages
for the breach of this Agreement. Notwithstanding anything to the contrary
contained herein, strict compliance with time of payment provisions shall be
enforced, time being of the essence. In addition to the above, and not in lieu
thereof, Merchant will pay Orbis Development, Inc. all costs and expenses,
including attorney's fees, the fees of any collection agency and any other
expenses, such as telephone, mail and travel charges and investigation expenses,
incurred by the Orbis Development, Inc. in enforcing any of the terms of this
section 21 (a). NO remedy referred to herein is intended to be exclusive, but
shall be cumulative, and in addition to any of the remedies referred to above or
otherwise available to Orbis Development, Inc. at law or in equity. The exercise
of any one remedy shall not be deemed to be an election of remedy or preclude
the exercise of any other remedy. No failure on Orbis Development, Inc.'s part
to exercise or delay or forbearance in exercising any right or remedy shall
operate as waiver thereof. The exercise of any remedy will not operate to
release Merchant until the amount of all payments due and to become due
hereunder has been paid in full.

(b) If this Agreement is terminated, Orbis Development, Inc. will be entitled to
recover, and Merchant will pay on demand, any and all payments due to the Orbis
Development, Inc. resulting from agreed upon services provided by the Orbis
Development, Inc. Merchant authorizes Orbis Development, Inc. to debit the
Account for said amounts in connection with the termination. If the Account does
not have sufficient funds, Merchant agrees to pay Orbis Development, Inc.
immediately upon receipt of invoice therefore.

                                                  Initial________ Date: ________

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V.       DISCLAIMER; LIMITED LIABILITY

ORBIS DEVELOPMENT, INC. HEREBY DISCLAIMS ALL WARRANTIES WITH RESPECT TO THE
SERVICES, PRODUCTS AND EQUIPMENT PROVIDED HEREUNDER, WHETHER EXPRESS, IMPLIED
STATUTORY OR OTHERWISE, INCLUDING WITHOUT LIMITATION ANY WARRANTY OR
MERCHANTABILITY OR FITNESS FOR USE FOR A PARTICULAR PURPOSE. Orbis Development,
Inc. will, at its own expense, correct any data in which (and to extent that)
errors have been caused by Orbis Development, Inc.'s personnel, or by
malfunctions of software or machines controlled by the Orbis Development, Inc..
However, the expense to Orbis Development, Inc. of correcting such data will
constitute Orbis Development, Inc.'s only responsibility with such errors or in
connection with any other performance or nonperformance by Orbis Development,
Inc. under this Agreement. Under no circumstances shall the financial
responsibility of Orbis Development, Inc. for any other failure of performance
by Orbis Development, Inc. under this Agreement exceed the fees or charges paid
to the Orbis Development, Inc. for the transaction, activity or Equipment that
is or was the subject of the alleged failure of performance. IN NO EVENT SHALL
ORBIS DEVELOPMENT, INC., ITS EMPLOYEES OR AFFILIATES, BE LIABLE FOR SPECIAL
INCIDENTAL OR CLAIMS BY MERCHANT OR ANY THIRD PARTY RELATIVE TO THE TRANSACTIONS
HEREUNDER.

                                                  Initial________ Date: ________

W.       FORCE MAJEURE

Orbis Development, Inc. shall not be liable for delays in processing or other
nonperformance caused by such events as fires, telecommunications, utility or
power failures, Equipment failures, labor strife, riots, war, nonperformance of
Orbis Development, Inc. vendors or suppliers, acts of God, or other causes over
which Orbis Development, Inc. has no reasonable control.

                                                  Initial________ Date: ________

Y.       ENTIRE AGREEMENT

The Rules, Operating Procedures, Personal Guaranty and all schedules and addenda
attached to this Agreement are hereby made a part hereof for all purposes. This
Agreement represents the entire understanding between Merchant and Orbis
Development, Inc. with respect to the matters contained herein. This Agreement
shall prevail over the terms of any Agreement governing the Account.

                                                  Initial________ Date: ________

Z.       PARTIES

This Agreement shall be binding on and inure to the benefit of the parties
hereto and is a contract whereby Orbis Development, Inc. is extending financial
accommodations to Merchant within the meaning of the Bankruptcy Code. In
providing services to Merchant, Orbis Development, Inc. shall not be acting in
the capacity of Merchant's agent, partner or joint venturer, and shall act as an
independent contractor. Merchant shall not assign, transfer or otherwise convey
this Agreement without Orbis Development, Inc.'s prior consent. No assignee for
the benefit of creditors, custodian, receiver, trustee in bankruptcy, debtor in
possession, sheriff or any other officer of a court, or other person charged
with taking custody of Merchant's assets or business, will have any right to
continue, assume or assign this Agreement.

                                                  Initial________ Date: ________

AA.      GOVERNING LAW; ATTORNEYS, FEES

This Agreement shall be governed by and construed in accordance with the laws of
the State of Nevada. This Agreement has been accepted in and shall be
performable for all purposes In Zephyr Cover, Nevada. Any action, proceeding,
litigation or arbitration relating to or arising from this Agreement shall be
brought in Zephyr Cover, Nevada. Merchant shall be liable for and indemnify
Orbis Development, Inc. for all attorneys' fees and expenses incurred by Orbis
Development, Inc. in the enforcement of Merchant's obligations hereunder.

                                                  Initial________ Date: ________

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AB.      DISPUTE RESOLUTION AND ARBITRATION

If the parties disagree as to any matter governed by this Agreement, the parties
shall promptly consult with one another in an effort to resolve the
disagreement. If such effort is unsuccessful, Orbis Development, Inc. may elect
to have any controversy or claim arising out of or relating to this Agreement,
or the breach thereof, settled by mediation or arbitration in accordance with
the Commercial Arbitration Rules of the American Arbitration Association, and
judgment upon the award rendered by the arbitrator(s) may be entered in any
court having jurisdiction thereof. The arbitrator(s) shall have the right to
render equitable, as well as other, awards and relief. The parties agree that
the underlying Agreement between the parties involves interstate commerce, and
that notwithstanding any choice of law provision in Section 26 of this
Agreement, the Federal Arbitration Act hereunder shall govern any arbitration.

                                                  Initial________ Date: ________

AC.      VISA

The parties acknowledge that the VISA Association Rules give VISA certain rights
to terminate or limit this Agreement with respect to transactions involving VISA
and the VISA Card system.

                                                  Initial________ Date: ________

AD.      NOTICES

Unless otherwise expressly stated in this Agreement, all notices hereunder shall
be in writing and deemed to have been given when delivered to Merchant at the
address set forth in Part 1 and to Orbis Development, Inc. to the attention of
General Counsel, Orbis Development Merchant Services, Inc. 405 Central Ave.
#300, St. Petersburg, FL 33701, or to such address subsequently designated by a
party through written notice to the other party.

                                                  Initial________ Date: ________

9

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00023-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00023-of-00352.parquet"}]]