Document:

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                                                                    EXHIBIT 10.4

                            FORM OF GATEWAY AGREEMENT

This Agreement ("AGREEMENT") is made as of            , 2001 (the
"EFFECTIVE DATE") by and between [Name of Gateway Provider]., a Delaware
corporation (["Gateway Provider"]), having offices at [address of gateway
provider], and Orbis Development, Inc. ("Orbis") having regional sales offices
at 400 Bel Marin Keys Blvd. Suite 203 Novato, CA 94949.

WHEREAS, [GATEWAY PROVIDER] operates an electronic payment system(s) through
which [GATEWAY PROVIDER] (i) acts as an intermediary between multiple merchants,
customers, third party processors, issuing banks and acquiring banks to
facilitate payment authorizations and settlement over the Internet, and (ii)
provides management reports, management tools, fraud controls, security and the
capability to interface easily with other computer software and web sites to
share information (collectively with the [Gateway Provider] Site (as defined
below), the "[GATEWAY PROVIDER] POS GATEWAY"); and

WHEREAS, specifically, via the [GATEWAY PROVIDER] POS Gateway, [GATEWAY
PROVIDER] provides Internet gateway transaction payment processing services that
(a) enable providers of goods and services over the Internet ("MERCHANTS") to
access multiple payment systems and to effect payment for goods and services
purchased by consumers through the Merchant; and (b) provide certain account
management tools in connection with the support of Merchants, via the web site
currently located at the URL https://secure.[Gateway Provider].com and all other
public servers within the [Gateway Provider] domain on the Internet
(collectively with the web site currently located at the URL www.[Gateway
Provider].com, the "[GATEWAY PROVIDER] SITE"); and

WHEREAS, subject to the terms and conditions of this Agreement, Orbis desires to
obtain services (as set forth in Section 3 below) and to help enable Merchants
to obtain the [GATEWAY PROVIDER] Services (as set forth in Section 3 below) from
[Gateway Provider] and to provide first level support to Merchants;

WHEREAS, subject to the terms and conditions of this Agreement, [GATEWAY
PROVIDER] desires to provide the Services to Orbis and to compensate Orbis for
the referral to [GATEWAY PROVIDER] of Merchants who execute Merchant Agreements
(as set forth in Section 2 below) and pay [Gateway Provider] for the provision
of [Gateway Provider] Services (as set forth in Section 3 below); and

WHEREAS, Orbis may execute a Merchant Agreement in its capacity as a Merchant
and pay [Gateway Provider] for the provision of [GATEWAY PROVIDER] Services (as
set forth in Section 3 below).

NOW THEREFORE, in consideration of the foregoing and the following and other
good and sufficient consideration, the parties hereto agree to the foregoing and
as follows:

1.       APPOINTMENT OF ORBIS. Subject to receipt and acceptance by [Gateway
         Provider] of this Agreement and completion of the Orbis Application,
         attached hereto as Exhibit A, [Gateway Provider] hereby appoints Orbis
         as a non-exclusive sales agent for the referral of Merchants to
         [Gateway Provider] for the purpose of enabling [Gateway Provider] to
         enter into Merchant Agreements (as set forth in Section 2 below) with
         such Merchants pursuant to which [GATEWAY PROVIDER] will provide
         Services (as set forth in Section 3 below). Orbis hereby accepts the
         foregoing appointment as a sales agent for [Gateway Provider] Services
         (as set forth in Section 3 below). This Agreement is not exclusive to
         Orbis and [Gateway Provider] shall have the unrestricted right (i) to
         sell, license, market and distribute and (ii) to grant to others the
         right to sell, license, market and distribute the Services. [Gateway
         Provider] may accept electronic transmission of the Orbis Agreement in
         accordance with its then current policies.

2.       MERCHANT AGREEMENT.

                  2.1      IN GENERAL. The terms and conditions for [Gateway
                           Provider]'s provision of the [Gateway] Services to
                           the Merchants is set forth on Exhibit C to this
                           Agreement (the "MERCHANT AGREEMENT"). Orbis agrees
                           that it shall obtain and provide to [Gateway
                           Provider] a Merchant Agreement in the form of Exhibit
                           C hereto properly executed by an authorized officer
                           of each Merchant and containing

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                           proper information to enable [Gateway Provider] to
                           contact the authorized representative of each
                           Merchant and to obtain such other and additional
                           information as [Gateway Provider] may require to
                           permit each Merchant to become a customer for the
                           [Gateway Provider] Services. [Gateway Provider] may
                           accept electronic transmission of Merchant Agreements
                           in accordance with its then current policies.

                  2.2      EXECUTION OF A MERCHANT AGREEMENT BY A ORBIS. Orbis
                           may enter into a Merchant Agreement in the capacity
                           of a Merchant.

3.       [GATEWAY PROVIDER] OBLIGATIONS.

                  3.1      PROVISION OF SERVICES.

                  3.1.1    ORBIS SERVICES. During the Term, [Gateway Provider]
                           will provide certain account management tools to
                           Orbis in connection with support of Merchants, as
                           such account management tools are (i) selected by
                           Orbis upon set up of its account on the [Gateway
                           Provider] Site and (ii) made available upon Orbis'
                           successful log in to the [Gateway Provider] Site, as
                           modified by [Gateway Provider] from time to time (the
                           "ORBIS SERVICES").

                  3.1.2    [GATEWAY PROVIDER] SERVICES. Provided that the
                           Merchant complies with all the terms and conditions
                           of the Merchant Agreement, including without
                           limitation those provisions with respect to payment,
                           [Gateway Provider] agrees to use commercially
                           reasonable efforts to provide to Merchants the
                           Internet gateway transaction payment processing
                           services for which Orbis enrolls Merchant for receipt
                           in the applicable account configuration section of
                           the [Gateway Provider] Site, as such services are
                           modified from time to time (such services being the
                           "[GATEWAY PROVIDER] SERVICES"), in accordance with
                           the terms and conditions agreed by [Gateway Provider]
                           and Merchant in the Merchant Agreement. (As used
                           herein the [Gateway Provider] Services and Orbis
                           Services are collectively referred to as the
                           "SERVICES".)

         3.2      ACCEPTANCE OF MERCHANTS AS CUSTOMERS. Upon each occasion of a
                  receipt by [Gateway Provider] of an original Merchant
                  Agreement that has been duly executed by Merchant, [Gateway
                  Provider] shall determine whether such Merchant qualifies (by
                  reason of standards as [Gateway Provider] may from time to
                  time impose) to become an [Gateway Provider] customer.
                  [Gateway Provider] reserves the right to reject a Merchant at
                  any time. In the event that [Gateway Provider] determines that
                  the Merchant does not qualify to become an [Gateway Provider]
                  customer, [Gateway Provider] shall so notify the Merchant and
                  shall send a copy of such correspondence to Orbis. [Gateway
                  Provider] may accept and initiate electronic transmissions of
                  communications in accordance with its then current policies.

         3.3      PROVISION OF MARKETING MATERIALS. At no charge to Orbis,
                  [Gateway Provider] may from time to time provide marketing
                  materials advertising the [Gateway Provider] Services to Orbis
                  for distribution by Orbis to its Merchants as part of Orbis'
                  marketing efforts.

         3.4      CHANGES TO PRICING AND SERVICES. [Gateway Provider] reserves
                  the right to (i) modify charges any time ([Gateway Provider]
                  shall use commercially reasonable efforts to provide 30 days
                  prior written notice of such additions, deletions or
                  modifications to Orbis), and (ii) add, delete or modify the
                  Services from time to time in its sole discretion.

4.       ORBIS OBLIGATIONS.

4.1      DUTIES OF ORBIS. At all times during the Term, Orbis shall:

                           (a)      use best efforts to market, promote and
                                    obtain Merchant Agreements from the
                                    Merchants for the provision by [Gateway
                                    Provider] of the [Gateway Provider]
                                    Services;

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                           (b)      obtain and deliver Merchant Agreements to
                                    [Gateway Provider] in accordance with the
                                    provisions of Section 2;

                           (c)      maintain adequate equipment and other
                                    resources to appropriately demonstrate the
                                    Services and market the Services as the
                                    preferred method of real time, transactions
                                    processing;

                           (d)      place banner ads representing the Services
                                    on Orbis' web page, if any;

                           (e)      co-advertise service in Orbis'
                                    correspondence, newsletter, e-mail, etc. to
                                    existing customers; and

                           (f)      keep [Gateway Provider] informed of any
                                    significant information relating to the
                                    marketing and distribution of the [Gateway
                                    Provider] Services, including:

                                    (i) the market conditions relating to the
                                    [Gateway Provider] Services (including
                                    significant inquiries from Merchants);

                                    (ii) Orbis' activities relating to the
                                    [Gateway Provider] Services (including
                                    significant new inquiries from Merchants);

                                    (iii) information regarding the existence of
                                    new competitors;

                                    (iv) suggestions made by Merchants or
                                    members of Orbis sales force for new
                                    [Gateway Provider] Services or enhancements;
                                    and

                                    (v) any knowledge of any infringement or
                                    attempted infringement by third parties of
                                    [Gateway Provider]'s trademarks or
                                    copyrights and of any disclosures or
                                    misappropriations of [Gateway Provider]'s
                                    Confidential Information (described in
                                    Section 7 hereof); and

                           (g)      designate at least one (but no more than
                                    two) person(s) in its employment to be the
                                    contact person(s) ("ORBIS LIAISON(S)") to be
                                    trained by [Gateway Provider] as the primary
                                    person(s) responsible to train Orbis
                                    personnel ("ORBIS PERSONNEL").

                           4.1.1    RESPONSIBILITIES REQUIRED BY ORBIS OF ORBIS
                                    PERSONNEL. Orbis shall require that the
                                    Orbis Personnel be responsible to:

                           (a)      receive training from Orbis Liaison(s) in
                                    connection with the Services;

                           (b)      train and support current and new Merchants
                                    in connection with use of the Services; and

                           (c)      use best efforts to assist [Gateway
                                    Provider] in collecting initial set up
                                    information and handling associated matters
                                    needed to promptly provide the [Gateway
                                    Provider] Services to the Merchant,
                                    including without limitation:

                                    (i)      facilitating the addition of HTML
                                             or other code to the Merchants' web
                                             pages, in accordance with the
                                             reasonable request and procedure of
                                             [Gateway Provider]; and

                                    (ii)     delivering interface technical
                                             specifications to Merchant.

         4.2      TECHNICAL SUPPORT. Orbis is required to provide all support to
                  Merchants. Only the Liaisons are authorized to contact
                  [Gateway Provider] for any available technical support.

         4.3      PROHIBITED USE. Orbis may not attempt to, or actually:

                  (a)      circumvent any security measure of the [Gateway
                           Provider] POS Gateway;

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                  (b)      access any portion of the [Gateway Provider] POS
                           Gateway not expressly intended for use by Orbis, as
                           set forth in this Agreement;

                  (c)      modify, copy or distribute any page (or any code or
                           programming therein) in the [Gateway Provider] POS
                           Gateway other than as expressly permitted in writing
                           by [Gateway Provider] (Orbis acknowledges that any
                           permitted modification (including of the payment
                           page) shall be subject to [Gateway Provider]'s final
                           approval);

                  (d)      create or modify a web page that sends information to
                           any page of the [Gateway Provider] POS Gateway other
                           than as expressly permitted in writing by [Gateway
                           Provider]; or

                  (e)      in any other way, with respect to or with the use of
                           the Services or the [Gateway Provider] POS Gateway,
                           engage in any activity, whether or not fraudulent or
                           illegal, that would violate any party's rights or
                           that is not expressly permitted by [Gateway Provider]
                           in writing.

         4.4      EFFECT OF UNAUTHORIZED USE. Any attempt to use the Services
                  provided herein in violation of Section 4.3 above and Section
                  5.2.2 below may result in additional fees and charges, in
                  addition to any other remedies and rights of [Gateway
                  Provider] as set forth in this Agreement or at law, including
                  without limitation the payment by Orbis to [Gateway Provider]
                  of any lost revenues as a result of provision by Orbis of the
                  Services to any unauthorized entities or individuals. Orbis
                  acknowledges and agrees that such payment would be considered
                  liquidated damages and not a penalty of any kind.

         4.5      REPRESENTATIONS AND WARRANTIES. Orbis represents, warrants and
                  covenants that Orbis will comply with all applicable federal,
                  state and local laws, rules and regulations and with all rules
                  and regulations imposed by entities having authority over
                  Orbis.

         4.6      NO ADDITIONAL REPRESENTATIONS OR WARRANTIES. Orbis agrees that
                  it shall make no representation, guarantees, or warranties
                  regarding the [Gateway Provider] Services or Software that
                  have not been authorized in writing by [Gateway Provider].
                  Orbis agrees that it shall not claim any affiliation with
                  [Gateway Provider] and shall not attempt to or actually incur
                  any liability on behalf of [Gateway Provider] or in any way
                  pledge or purport to pledge the credit of [Gateway Provider].

         4.7      NON-COMPETE/NO SOLICITATION - NO HIRE. Orbis acknowledges
                  that, as a result of this Agreement, Orbis will have access to
                  information that is of a confidential and proprietary nature
                  with respect to the provision of Orbis Services and [Gateway
                  Provider] Services by [Gateway Provider]. Orbis agrees that it
                  shall not develop or have developed directly or through a
                  third party, any product or service that is similar to the
                  Orbis Services or [Gateway Provider] Services. In addition,
                  Orbis agrees that it shall not employ or make any offers to
                  engage as an employee or subcontractor, an employee or former
                  employee or subcontractor of [Gateway Provider] who is or has
                  been associated with any of the activities related to this
                  Agreement.

         4.8      NOTICE AND APPROVAL OF MARKETING EFFORTS. Orbis shall provide
                  to [Gateway Provider] advance notice of all marketing plans,
                  strategies, tactics and efforts regarding the [Gateway
                  Provider] Services, and agrees not to engage in any marketing
                  efforts with respect to the [Gateway Provider] Services that
                  have not been presented to, and approved in advance by,
                  [Gateway Provider]. Orbis acknowledges and agrees that
                  [Gateway Provider] and others shall be entitled to engage in
                  marketing efforts regarding the [Gateway Provider] Services.

         4.9      LIMITED USE AND DISPLAY OF [GATEWAY PROVIDER] SERVICES. Orbis
                  shall not market, distribute or display the [Gateway Provider]
                  Services or any portion thereof, either directly or
                  indirectly, through any agent or otherwise, to any competitor
                  of [Gateway Provider].

         4.10     EXCLUSIVITY. If Orbis elects to accept a branded site during
                  the Term, Orbis agrees that, in return for such privilege,
                  Orbis shall not market, license or sell any product or service
                  that is competitive with the Services at any time during the
                  Term.

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         4.11     SECURITY. The Orbis acknowledges that the security of the
                  Services is dependent on the protection by the Orbis and the
                  Merchants of account names, logins and passwords that are
                  administered as part of the Services. Orbis agrees that it
                  will be responsible for maintaining its account name, login
                  and password as confidential and for any activity that occurs
                  as a result of Orbis enabling or permitting another person or
                  entity to use its password. Orbis agrees to immediately notify
                  [Gateway Provider] customer support at support@[Gateway
                  Provider].com or [Gateway Provider's telephone number] in the
                  event that (i) Orbis' password is lost or stolen, or (ii)
                  Orbis becomes aware of any unauthorized use of its password or
                  of any other breach of security that might affect the
                  Services. Orbis acknowledges and agrees that [Gateway
                  Provider] is not responsible for any loss or damage arising
                  from Orbis' or Merchants' failure to comply with the
                  provisions of this Section.

         4.12     AGREEMENTS WITH MERCHANTS. Orbis shall not enter into any
                  agreement with a Merchant in connection with the Services that
                  is not approved in writing by [Gateway Provider].

5.       LICENSE GRANTS AND LIMITATIONS.

         5.1      GRANT OF SOFTWARE LICENSE BY [GATEWAY PROVIDER].

                  5.1.1    DISTRIBUTION OF SOFTWARE. [Gateway Provider] grants
                           Orbis a non-exclusive, non-assignable license with
                           respect to the software, in HTML or any other format
                           or programming, all updates and enhancements, new
                           releases thereof (and all related instructions,
                           manuals, materials, forms and other documentation)
                           that [Gateway Provider] provides to Orbis from time
                           to time, along with any updates thereto provided by
                           [Gateway Provider] from time to time (the "SOFTWARE")
                           solely to distribute the software to authorized
                           Merchants.

                  5.1.2    LIMITATIONS ON LICENSE. Orbis shall not, and shall
                           not cause any other party to (i) remove any of the
                           copyright or other [Gateway Provider] proprietary
                           notices from the Software; (ii) alter, modify or copy
                           the Software or create derivative works from the
                           Software; (iii) reverse engineer, decompile,
                           disassemble or otherwise attempt to derive source
                           code from the Software; (iv) license, sell, transfer,
                           lease or disclose the Software or any of Orbis'
                           rights under this Agreement, in whole or in part.

                  5.1.3    NO SUPPORT OBLIGATIONS. Unless otherwise agreed to by
                           [Gateway Provider] in writing, [Gateway Provider]
                           shall have no obligation to provide any changes,
                           maintenance, or support to Orbis or any person with
                           respect to the Software.

                  5.1.4    EXPORT CONTROLS. None of the Software or underlying
                           information or technology may be exported or
                           re-exported (A) into (or to a national or resident
                           of): Cuba, Iraq, Libya, Yugoslavia, North Korea,
                           Iran, Syria or any other country to which the U.S.
                           has embargoed goods; or (B) to anyone on the U.S.
                           Treasury Department's list of Specially Designated
                           Nationals or the U.S. Commerce Department's Table of
                           Denial Orders. Orbis agrees to the foregoing and
                           represents and warrants that it is not located in,
                           under the control of, or a national or resident of
                           any such country or on any such list.

         5.2      GRANT OF LICENSE FOR MARKETING PURPOSES BY [GATEWAY PROVIDER].

                  5.2.1    [GATEWAY PROVIDER] TRADEMARKS. [Gateway Provider]
                           hereby grants to Orbis a non-exclusive,
                           non-transferable right and license to use [Gateway
                           Provider]'s trademarks, service marks, copyrights and
                           logos solely (i) in connection with advertising and
                           marketing directed to Merchants in the form that such
                           materials are provided to Orbis by [Gateway Provider]
                           and (ii) as approved in writing by

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                           [Gateway Provider] upon the written request of Orbis.
                           Orbis agrees that no other public use will be made of
                           the [Gateway Provider]'s trademarks, service marks,
                           copyrights or logos.

                  5.2.2    USE OF ORBIS' AGENTS. The parties hereby agree that
                           Orbis may use agents to sell the [Gateway Provider]
                           Services to Merchants. Orbis agrees that it shall not
                           directly or indirectly cause any such agent or any
                           other third party to receive access to any Orbis
                           Services or to the Orbis password or any other
                           materials or information in connection with the Orbis
                           Services provided to Orbis by [Gateway Provider].

                  5.2.3    GRANT OF LICENSE FOR MARKETING PURPOSES BY ORBIS.
                           Orbis hereby grants to [Gateway Provider] a
                           non-exclusive, non-transferable right and license to
                           use Orbis' trademarks, service marks, copyrights and
                           logos solely (a) for display on the Orbis' branded
                           site (if any) in the form that they are provided to
                           [Gateway Provider] by Orbis, (b) for display by
                           [Gateway Provider] for the purpose of indicating that
                           Orbis is an authorized Orbis of [Gateway Provider],
                           and (c) as approved in writing by Orbis upon the
                           written request of [Gateway Provider]. [Gateway
                           Provider] agrees that no other public use will be
                           made of the Orbis' trademarks, service marks,
                           copyrights or logos.

6        OWNERSHIP OF IDEAS, DATA AND SERVICES.

         6.1      IDEAS, TRANSACTION DATA AND SERVICES. Subject to requirements
                  of all applicable laws, [Gateway Provider] shall own all
                  right, title and interest to the Services and any information
                  entered into or captured by the [Gateway Provider] POS Gateway
                  from any source, any aggregated data sets of, or other work
                  derived from, such information, and any information that
                  otherwise results from or is in connection with the provision
                  of the Services ("TRANSACTION DATA"), and any modifications,
                  enhancements, or derivative works arising from the provision
                  of the Services.

         6.2      SOFTWARE. [Gateway Provider] shall retain all title, copyright
                  and other proprietary rights in the Software and any
                  derivative works thereof. Orbis does not acquire any rights,
                  express or implied, in the Software and derivative works other
                  than those specified herein. [Gateway Provider] also retains
                  title to all media used to supply the Software to Orbis.

         6.3      ASSIGNMENT OF OWNERSHIP RIGHTS. Without limiting the
                  generality of Section 6.1 and Section 6.2, if and to the
                  extent that Orbis may be entitled to claim any ownership
                  interest in the Services or any ideas or concepts or materials
                  developed by [Gateway Provider] pursuant to this Agreement,
                  Orbis hereby irrevocably transfers, grants, conveys, assigns,
                  and relinquishes exclusively to [Gateway Provider], without
                  further consideration, all of the Orbis' right, title, and
                  interest in and to such ideas, concepts or materials, under
                  patent, copyright and/or trade secret law, as such exist from
                  and after the moment of inception. Orbis shall perform any
                  acts that [Gateway Provider] may reasonably request to
                  evidence more fully the transfer of ownership of such ideas,
                  concepts or materials to the fullest extent possible,
                  including without limitation making written assignments in
                  such form as may be requested by [Gateway Provider].

7        CONFIDENTIALITY.

         7.1      CONFIDENTIAL INFORMATION. "CONFIDENTIAL INFORMATION" means (i)
                  business or technical information of either party, including,
                  without limitation, information relating to a party's product
                  plans, designs, costs, prices, finances, marketing plans,
                  business opportunities, personnel, research, development,
                  know-how or the pricing information available to its
                  customers; and (ii) any information designated "confidential"
                  or "proprietary"; (iii) Transaction Data; (iv) Software and
                  (v) the terms and conditions of this Agreement and any
                  Merchant Agreement or communication.

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         7.2      CONFIDENTIALITY OBLIGATIONS. Each party agrees: (i) that it
                  will not use or disclose to any third person any Confidential
                  Information disclosed to it by any other party except as
                  expressly permitted in this Agreement; and (ii) that it will
                  take all reasonable measures to maintain the confidentiality
                  of all Confidential Information of the other party in its
                  possession or control, which measures will in no event be less
                  than the measures it uses to maintain the confidentiality of
                  its own information of similar importance.

         7.3      EXCLUSIONS. This Section 7 will not prevent either party from
                  disclosing information that (i) is owned by such party or its
                  affiliates (including, with respect to [Gateway Provider], any
                  of the Transaction Data) or is already known by the recipient
                  party or its affiliates without an obligation of
                  confidentiality other than under this Agreement, (ii) is
                  publicly known or becomes publicly known through no
                  unauthorized act of the recipient party, (iii) is rightfully
                  received from a third party, provided that the source is not
                  bound by a confidentiality agreement, or (iv) is independently
                  developed by employees of a party or an affiliate of a party
                  without use of the other party's Confidential Information. If
                  Confidential Information is required to be disclosed pursuant
                  to a requirement of a governmental authority, such
                  Confidential Information may be disclosed pursuant to such
                  requirement so long as the party required to disclose the
                  Confidential Information, to the extent possible, (a) provides
                  the other party with timely prior notice of such requirement
                  and coordinates with such other party in an effort to limit
                  the nature and scope of such required disclosure and (b) uses
                  commercially reasonable efforts to ensure that, within
                  applicable law, such Confidential Information will not be
                  further disclosed.

         1.4 NO LICENSE. Nothing contained in this Section 7 will be construed
             as obligating a party to disclose its Confidential Information to
             any other party, or as granting to or conferring on a party,
             expressly or implied, any patent, copyright, trademark, trade name,
             trade secret, or other intellectual property rights or any license
             to the Confidential Information of the other party.

         1.4 LOSS OF CONFIDENTIAL INFORMATION. In the event of any breach by the
             recipient party of this Section 7 that results in a disclosure or
             loss of, or inability to account for, any Confidential Information
             of the furnishing party, the receiving party shall promptly, at its
             own expense: (i) notify the furnishing party in writing; (ii) take
             such commercially reasonable actions as may be necessary or
             reasonably requested by the furnishing party to minimize the
             breach; and (iii) cooperate in all reasonable respects with the
             furnishing party to minimize the breach and any damage resulting
             therefrom.

8        SAFEGUARDING OF DATA.

         8.1      GENERALLY. As between Orbis on the one hand, and [Gateway
                  Provider] on the other hand, information relating to Merchants
                  or their respective affiliates or customers, whether or not
                  marked "confidential" and whether disclosed in tangible or in
                  intangible (e.g., oral or visual) form, including, without
                  limitation, all Transaction Data, is Confidential Information
                  of [Gateway Provider] (regardless of whether Orbis also
                  executes a Merchant Agreement). Subject to the provisions of
                  Section 7, Orbis shall have access to and may make use of
                  Transaction Data to the extent reasonably necessary to verify
                  payment and provide service to its Merchants and as the
                  Merchant otherwise may expressly authorize and not for any
                  other purpose. Upon expiration or termination of this
                  Agreement for any reason, or upon [Gateway Provider]'s
                  request, Orbis shall promptly return to [Gateway Provider] all
                  of the Transaction Data in Orbis' possession, including backup
                  and archival copies (and shall destroy any electronic copies
                  of the Transaction Data that it may have, in whatever form),
                  except to the extent that Orbis is lawfully required to
                  maintain such information.

         8.2      SAFEGUARDING OF DATA. Orbis shall maintain appropriate
                  safeguards, consistent with prevailing industry standards,
                  against the destruction, inappropriate disclosure (including
                  display of the Transaction Data on a non-secure browser),
                  wrongful access or use, loss or alteration of the Transaction
                  Data in its possession, but in no event less than reasonable
                  safeguards.

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9.       FEES; PAYMENT. Fees are as set forth on Exhibit B, as such Exhibit B is
         modified from time to time by [Gateway Provider] with thirty (30) days'
         notice to Orbis.

         9.1      METHODOLOGY. [Gateway Provider] will invoice and may collect
                  amounts due only from the Orbis, except as otherwise set forth
                  in Section 9.3. Orbis shall pay to [Gateway Provider] all
                  amounts invoiced by [Gateway Provider] as set forth in this
                  Section 9.

         9.2      METHOD OF PAYMENT TO [GATEWAY PROVIDER]. [Gateway Provider]
                  will invoice Orbis by Internet email or other electronic means
                  as agreed by the parties by the 3rd of the month for amounts
                  due and any costs resulting from non-payment by Orbis of any
                  amounts due hereunder. Orbis agrees that, on or after the 10th
                  of each month during the term of this Agreement, [Gateway
                  Provider] may use (i) an ACH debit or (ii) the Orbis credit
                  card for the collection of payment for amounts due.

         9.3      NON-PAYMENT BY ORBIS. Orbis will be considered in breach of
                  this Agreement if payment of any amounts due hereunder is not
                  received by [Gateway Provider] by the 10th of each month. In
                  such event, Orbis agrees [Gateway Provider] may invoice, and
                  collect fees due directly from, Merchants.

10.      TERM AND TERMINATION; EQUITABLE RELIEF.

         10.1     TERMINATION BY EITHER PARTY. Either party may terminate this
                  Agreement for any reason, or for no reason, upon 30 days prior
                  written notice.

         10.2     MATERIAL DEFAULT. Notwithstanding the provisions of Section
                  10.1, in the event that Orbis has failed to pay any amount
                  when due or is in breach or default of any other material
                  obligation set forth in this Agreement, [Gateway Provider]
                  may:

                  (i)      terminate this Agreement if such breach remains
                           uncured for a period of 5 days after such notice,
                           provided, however, that if Orbis is in breach of
                           Sections 4.3, 5.1.2, 5.2.2 or 7, [Gateway Provider]
                           shall have the right to terminate this Agreement
                           immediately; and

                  (ii)     exercise any right or remedy available to it at law
                           or in equity.

         10.3     OBJECTIONABLE PRACTICES. Notwithstanding the provisions of
                  Section 10.1, [Gateway Provider] reserves the right to monitor
                  the practices of Orbis to determine, in the sole discretion of
                  [Gateway Provider], if the practices are detrimental to or
                  inconsistent with the achievement of [Gateway Provider]'s
                  business objectives and overall marketing strategy, and, if
                  [Gateway Provider] makes such a determination, [Gateway
                  Provider] may terminate this Agreement at any time by
                  providing 5 days' prior written notice to Orbis.

         10.4     EFFECT OF TERMINATION. UPON TERMINATION OF THIS AGREEMENT,
                  ORBIS WILL CEASE USING ANY OF THE SERVICES, AND WILL ALSO
                  CEASE USING AND WILL RETURN OR DESTROY, ALL COPIES OF THE
                  SOFTWARE IN ORBIS' POSSESSION. ORBIS' OBLIGATION TO PAY
                  AMOUNTS FOR [GATEWAY PROVIDER] SERVICES RECEIVED HEREUNDER
                  SHALL SURVIVE TERMINATION OF THIS AGREEMENT FOR ANY REASON.

         10.5     EQUITABLE RELIEF. NOTWITHSTANDING ANY PROVISION HEREIN TO THE
                  CONTRARY, ORBIS UNDERSTANDS THAT IN THE EVENT OF ITS BREACH OR
                  THREATENED BREACH OF ANY OF SECTIONS 4.3, 5.1.2, 5.2.2, OR 7,
                  [GATEWAY PROVIDER] WILL NOT HAVE A SUFFICIENT REMEDY AT LAW IN
                  DAMAGES, AND ACCORDINGLY SHALL BE ENTITLED TO INJUNCTIVE
                  RELIEF, AND NO SPECIFIC LEGAL OR EQUITABLE REMEDY SET FORTH
                  HEREIN SHALL BE CONSTRUED AS A WAIVER OF ANY LEGAL OR
                  EQUITABLE REMEDY AVAILABLE TO [GATEWAY PROVIDER] IN THE EVENT
                  OF A BREACH OR THREATENED BREACH OF SUCH SECTIONS BY ORBIS.

                                     - 8 -
<PAGE>   9
         11.      LIMITATION OF WARRATIES; LIMITATION OF LIABILITY.

         11.1     LIMITATION OF WARRANTIES. THE USE OF THE SERVICES AND SOFTWARE
                  IS SOLELY AT ORBIS' OWN RISK. THE SERVICES AND SOFTWARE ARE
                  PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. [GATEWAY
                  PROVIDER] EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND WITH
                  RESPECT TO THE SERVICES AND SOFTWARE, WHETHER EXPRESS OR
                  IMPLIED INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY,
                  FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.
                  [GATEWAY PROVIDER] MAKES NO WARRANTY THAT THE SERVICES OR
                  SOFTWARE WILL MEET ORBIS' REQUIREMENTS, OR WILL BE
                  UNINTERRUPTED, TIMELY, SECURE, CURRENT, ACCURATE, COMPLETE OR
                  ERROR-FREE OR THAT THE RESULTS THAT MAY BE OBTAINED BY USE OF
                  THE SERVICES AND SOFTWARE WILL BE ACCURATE OR RELIABLE. ORBIS
                  UNDERSTANDS AND ACKNOWLEDGES THAT ORBIS' SOLE AND EXCLUSIVE
                  REMEDY WITH RESPECT TO ANY DEFECT IN OR DISSATISFACTION WITH
                  THE SERVICES AND SOFTWARE IS TO CEASE TO USE THE SERVICES OR
                  SOFTWARE.

         11.2     LIMITATION OF LIABILITY. ORBIS EXPRESSLY UNDERSTANDS AND
                  AGREES THAT [GATEWAY PROVIDER] SHALL NOT BE LIABLE FOR ANY
                  DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR
                  EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION, DAMAGES FOR
                  LOSS OF PROFITS, GOODWILL, USE, DATA LOSS OR CORRUPTION,
                  STOLEN OR MISUSED PASSWORDS, OR BREACHES IN SYSTEM SECURITY,
                  OR OTHER LOSSES (EVEN IF [GATEWAY PROVIDER] HAS BEEN ADVISED
                  OF THE POSSIBILITY OF SUCH DAMAGES) RESULTING FROM: (I) THE
                  USE OF, OR INABILITY TO USE, THE SERVICES OR SOFTWARE, (II)
                  THE COST OF PROCUREMENT OF ANY SUBSTITUTE PRODUCTS AND/OR
                  SERVICES AND/OR SOFTWARE RESULTING FROM ANY PRODUCTS, DATA,
                  INFORMATION OR SERVICES OBTAINED OR WHICH ORBIS WAS UNABLE TO
                  OBTAIN OR TRANSACTIONS EFFECTED OR FAILED TO BE EFFECTED,
                  (III) ANY LINK PROVIDED IN CONNECTION WITH THE SERVICES OR
                  SOFTWARE, (IV) ANY UNAUTHORIZED ACCESS TO TRANSACTION DATA, OR
                  (V) ANY MATTER OTHERWISE RELATED TO ORBIS' OR ANY MERCHANT'S
                  USE OF THE [GATEWAY PROVIDER] SITE OR THE SERVICES OR
                  SOFTWARE. ORBIS AGREES THAT ITS SOLE AND EXCLUSIVE REMEDY WITH
                  RESPECT TO THE SERVICES AND SOFTWARE IS TO CEASE TO USE THE
                  SERVICES OR SOFTWARE.

12.      INDEMNIFICATION. Each of the parties agrees to indemnify, hold harmless
         and defend the other party and its affiliates and their respective
         officers, directors, shareholders, employees, and agents against any
         third party claim or action brought against such other party or any of
         its affiliates, and its respective officers, directors, shareholders,
         employees, and agents, relating to or arising out of (a) any action for
         intellectual property infringement relating to acts and/or materials
         supplied or approved by the other party, (b) any claim of fraudulent,
         misleading or deceptive advertising based upon advertising materials or
         content supplied or approved by the other party with respect to such
         party's products or services and (c) any breach of any representation
         and warranty contained in Section 4. THE PROVISIONS OF SUBSECTIONS (A)
         AND (B) OF THIS SECTION 12 SET FORTH THE SOLE AND EXCLUSIVE REMEDY OF
         THE INDEMNITEES, AND THE ENTIRE OBLIGATION AND LIABILITY OF THE
         INDEMNITOR, AS TO ANY INFRINGEMENT CLAIMS IN CONNECTION WITH THIS
         AGREEMENT.

13.      GENERAL PROVISIONS.

         13.1     FORCE MAJEURE. [Gateway Provider] shall not be liable for any
                  delay or failure due to acts of God, natural disaster, labor
                  shortages or disputes, changes in law, riots, war, epidemics,
                  acts or omissions of vendors or suppliers, transportation,
                  communication or energy difficulties, disruptions, delays,
                  suspensions or terminations or other occurrences which are
                  beyond [Gateway Provider]'s reasonable control.

         13.2     GENERAL PRACTICES REGARDING STORAGE. Orbis understands and
                  agrees that [Gateway Provider] may from time to time establish
                  and revise practices and limitations concerning

                                     - 9 -
<PAGE>   10

                  Orbis' use of the Services. Orbis agrees that [Gateway
                  Provider] shall have no liability for the deletion or failure
                  to store any communications or other content maintained on the
                  site used in connection with the provision of the Services or
                  transmitted using the Services.

         13.3     NO WAIVER. The delay or omission by a party to exercise or
                  enforce any right or power of any provision of this Agreement
                  shall not be construed as a waiver or relinquishment to any
                  extent of such party's right to assert or rely upon any such
                  provision or right in that or any other instance. A waiver by
                  a party hereto of any of the covenants to be performed by any
                  other or any breach thereof shall not be construed to be a
                  waiver of any succeeding breach thereof or of any other
                  covenant herein contained.

         13.4     ENTIRE AGREEMENT. This Agreement and the exhibits hereto,
                  together constitute the complete and exclusive agreement
                  between the parties hereto, and supersede any and all prior
                  agreements of the parties with respect to the subject matter
                  hereof, unless Orbis also enters into a Merchant Agreement
                  with [Gateway Provider], in which case both the Merchant
                  Agreement and this Agreement shall be effective and
                  enforceable. This Agreement may only be modified, or any
                  rights under it waived, by a written document executed by the
                  parties. The foregoing provisions of this Section 13.4 shall
                  not limit [Gateway Provider]'s right to modify Exhibit B with
                  thirty (30) days' notice to Orbis as set forth in Article 9.

         13.5     PUBLICITY. Except as required by law or provided in this
                  Agreement, no party will make, directly or indirectly, any
                  public comment, statement, press release or other announcement
                  or communication relating to the terms and conditions of this
                  Agreement without the prior written approval of all other
                  parties. If a party is required by law to make any such
                  disclosure, it first shall provide notice to the other party
                  of the content of the proposed disclosure, the reason(s) that
                  such disclosure is required by law, and the time and place
                  that the disclosure will be made. Notwithstanding the
                  foregoing provisions, [Gateway Provider] shall have the right
                  to list Orbis on the [Gateway Provider] Site or in [Gateway
                  Provider] marketing materials as a customer of [Gateway
                  Provider].

         13.6     ASSIGNMENT; SUCCESSORS AND ASSIGNS. This Agreement shall be
                  binding on the parties hereto and their respective successors
                  and permitted assigns. Orbis shall not assign, sell, trade,
                  cause to be assumed, or otherwise transfer this Agreement or
                  any rights granted to Orbis herein without the prior written
                  consent of [Gateway Provider]. For the purposes of this
                  Section 13.6, any assignment by operation of law, under an
                  order of any court or pursuant to any plan of merger,
                  consolidation or liquidation shall be deemed an assignment for
                  which prior consent is required, and any assignment made
                  without such consent shall be void and of no effect as between
                  the parties.

         13.7     LIMITATIONS; GOVERNING LAW. Merchant agrees that any cause of
                  action arising out of or relating to this Agreement must
                  commence within one (1) year after the cause of action arose;
                  otherwise, such cause of action is permanently barred. This
                  Agreement will be governed by and construed in accordance with
                  the laws of the State of Illinois without regard to or
                  application of conflicts of law rules or principles. The
                  parties each consent to exclusive jurisdiction of the state
                  and federal courts sitting in Cook County, Illinois.

         A        NOTICES. Any notice required or permitted by this Agreement
                  shall be in writing and shall be deemed given if sent by
                  prepaid registered or certified United States mail, return
                  receipt requested, overnight mail with a nationally recognized
                  overnight mail courier, or sent by facsimile or similar
                  communication, and confirmed by such mail, postage prepaid,
                  addressed to another party at the address shown below or at
                  such other address for which such party gives notice
                  hereunder. In the case of notice from [Gateway Provider] to
                  Orbis, the parties agree that, except in the case of
                  termination of this Agreement, [Gateway Provider] may, in its
                  sole discretion, provide notice by electronic means (including
                  without limitation, by e-mail). Notices will be deemed given 5
                  business days after deposit in the U.S. Mail, two business
                  days after deposit with an overnight mail courier, or when
                  confirmation of receipt is obtained if sent by facsimile or
                  similar communication, or if by personal delivery, when
                  received, as applicable:

                                     - 10 -
<PAGE>   11
<TABLE>
<S>                                                               <C>
                  [GATEWAY PROVIDER]:                             WITH A COPY TO:

                  ORBIS:                                          WITH A COPY TO:
                  ____________________________________            ____________________________________
                                                                  ____________________________________
</TABLE>

         13.9     NO AGENCY. The parties are independent contractors and will
                  have no power or authority to assume or create any obligation
                  or responsibility on behalf of each other, except as expressly
                  provided herein. This Agreement will not be construed to
                  create or imply any partnership, agency or joint venture.

         13.10    INTEREST. Any payment due to [Gateway Provider] under this
                  Agreement, which is not paid when due, shall accrue interest
                  at a rate equal to 1.5% per month or the highest amount
                  allowed by law.

         13.11    SEVERABILITY. If for any reason a court of competent
                  jurisdiction finds any provision or portion of this Agreement
                  to be unenforceable, that provision of the Agreement will be
                  enforced to the maximum extent permissible so as to effect the
                  intent of the parties, and the remainder of this Agreement
                  will continue in full force and effect.

         13.12    SURVIVAL. Sections 4.3, 4.4, 4.5, 4.7, 6, 7, 8, 10, 11 and 12
                  and this Section 13 shall survive termination or expiration of
                  this Agreement for any reason.

         13.13    COUNTERPARTS. This Agreement may be executed in counterparts,
                  each of which will be deemed an original, but all of which
                  together will constitute one and the same instrument.

         13.14    HEADINGS. Section headings are included for convenience of
                  reference only and do not describe the sections to which they
                  relate.

         13.15    EFFECTIVE. This Agreement shall not be enforceable against
                  [Gateway Provider] until signed by an authorized [Gateway
                  Provider] representative.

IN WITNESS WHEREOF, the undersigned duly authorized representatives of the
parties executed this Agreement as of the Effective Date.
<TABLE>
<S>                                                       <C>
[NAME OF GATEWAY PROVIDER}.                               ORBIS DEVELOPMENT, INC.
NAME:

                                                          NAME: _______________________________________
TITLE: CHIEF EXECUTIVE OFFICER                            TITLE: ________________________________________
DATE: ________________________________________            DATE: ________________________________________
</TABLE>

                                     - 11 -
<PAGE>   12

                                    EXHIBIT C

                              MERCHANT APPLICATION

                           [NAME OF GATEWAY PROVIDER}.
                      MERCHANT GATEWAY PROCESSING AGREEMENT

         This Merchant Gateway Processing Agreement (this "Agreement") is made
by and between [Name of Gateway Provider], a Delaware corporation ("Provider"),
having offices [address of Gateway Provider], and
________________________________________________ ("Merchant"), having offices at
______________________________________________________________________________.

In consideration of the premises set forth herein, Provider and Merchant hereby
agree as follows:

1   DEFINITIONS.

         a   CONFIDENTIAL INFORMATION. "Confidential Information" means (i)
             business or technical information or materials of Provider,
             including, without limitation, information relating to Provider's
             product plans, designs, costs, prices, finances, marketing plans,
             business opportunities, personnel, research, development, know-how
             or the pricing information available to Provider's customers; (ii)
             any information designated "confidential" or "proprietary"; (iii)
             Transaction Data; (iv) Software; and (v) the terms and conditions
             of this Agreement or any other communication.

         a   CUSTOMER. "Customer" means any customer, client, member or entity
             that directly purchases goods or services from Merchant.

         a   PROVIDER POS GATEWAY. "Provider POS Gateway" means the electronic
             payment system(s) through which Provider (i) acts as an
             intermediary between multiple merchants, customers, third party
             processors, issuing banks and acquiring banks to facilitate payment
             authorizations and settlement over the Internet, and (ii) provides
             management reports, management tools, fraud controls, security and
             the capability to interface easily with other computer software and
             web sites to share information, collectively with the Provider
             Site.

         a   PROVIDER SITE. "Provider Site" means collectively the web site
             located at the URL https://secure.[Gateway Provider].com and the
             web site located at the URL www.[Gateway Provider].com and all
             other public servers within the Provider domain on the Internet.

         a   ORBIS. "Orbis" means the entity that enrolls Merchant for receipt
             of Internet gateway transaction payment processing services in the
             applicable account configuration section of the Provider Site.

         a   SERVICES. "Services" means the Internet gateway transaction payment
             processing services for which Orbis enrolls Merchant for receipt in
             the applicable account configuration section of the Provider Site,
             as such services are modified from time to time.

         a   SOFTWARE. "Software" means the software in HTML or any other format
             or programming, all updates and enhancements, and new releases
             thereof (and all related instructions, manuals, materials, forms
             and other documentation) that Provider or Orbis provides to
             Merchant from time to time, along with any updates thereto.

         a   TRANSACTION DATA. "Transaction Data" means any information entered
             into or captured by the POS Gateway from any source, any aggregated
             data sets of, or other work derived from, such information, and any
             information that otherwise results from or is in connection with
             the provision of the Services.

1   SERVICES. On the terms and conditions set forth in this Agreement, Provider
    agrees to provide the Services. Provider reserves the right to add, delete
    or modify the Services from time to time in its sole discretion.

                                     - 12 -
<PAGE>   13

1   MERCHANT OBLIGATIONS.

         a   MERCHANT APPLICATION. Merchant shall complete the Merchant
             Application, attached hereto as Exhibit A.

                  i    APPLICATION CONFIRMATION. From time to time, Merchant
                       shall confirm the accuracy of the Merchant application
                       information that has been provided by Merchant and Orbis,
                       in accordance with the reasonable request and procedure
                       of Provider.

                  ii   VERIFICATION OF MERCHANT INFORMATION. Merchant hereby
                       authorizes Provider to investigate and verify the
                       information herein and the information concerning
                       Merchant provided by Merchant or Orbis. For this purpose,
                       Provider may utilize credit bureau or reporting agencies
                       or other entities, including agents of Provider.

         a   MERCHANT USE OF SERVICES.

                  i    MERCHANT'S RIGHTS OF USE. Merchant understands that
                       Merchant has the non-exclusive, non-transferable right to
                       use the Services only to process orders of the Customers
                       and that Merchant may not use the Services on behalf of
                       any other entity or individual.

                  ii   PROHIBITED USE. Merchant may not attempt to, or actually:

                           A    circumvent any security measure of the Provider
                                POS Gateway;

                           A    access any portion of the Provider POS Gateway
                                not expressly intended for use by Merchant, as
                                set forth in this Agreement;

                           B    modify, copy or distribute any page (or any code
                                or programming therein) in the Provider POS
                                Gateway other than as expressly permitted in
                                writing by Provider (Merchant acknowledges that
                                any permitted modification (including of the
                                payment page) shall be subject to Provider's
                                final approval);

                           A    create or modify a web page that sends
                                information to any page of the Provider POS
                                Gateway other than as expressly permitted in
                                writing by Provider; or

                           A    in any other way, with respect to or with the
                                use of the Services or the Provider POS Gateway,
                                engage in any activity, whether or not
                                fraudulent or illegal, activity or any activity
                                that would violate any party's rights or that is
                                not expressly permitted by Provider in writing.

                  iii  EFFECT OF UNAUTHORIZED USE. Any attempt to use the
                       Services provided herein in violation of clauses (i) and
                       (ii) above may result in additional fees and charges, in
                       addition to any other remedies and rights of Provider as
                       set forth in this Agreement or at law, including without
                       limitation the payment by Merchant to Provider of any
                       lost revenues as a result of provision by Merchant of the
                       Services to any unauthorized entities or individuals.
                       Merchant acknowledges and agrees that such payment would
                       be considered liquidated damages and not a penalty of any
                       kind.

         a   FEES AND PAYMENT.

                  i    FEES. Merchant shall pay Orbis the amounts that are
                       required by any agreement between Orbis and Merchant;
                       provided, however, that if Orbis does not timely provide
                       to Provider such portion of such amounts that is required
                       by Provider, Merchant shall pay Provider the applicable
                       amounts as set forth in Provider's Orbis pricing, as
                       modified by Provider from time to time. Orbis and (if
                       applicable pursuant to the prior sentence) Provider
                       reserve the right to modify fees and charges from time to
                       time in its sole discretion and shall use commercially
                       reasonable efforts to provide 30 days prior written
                       notice to Merchant.

                                     - 13 -
<PAGE>   14

                  ii   PAYMENT.

                           A    METHOD OF PAYMENT. Merchant agrees that, on the
                                first of each month during the term of this
                                Agreement, Orbis, or as applicable Provider, may
                                use (i) an ACH debit or (ii) the Merchant credit
                                card for the collection of payment for amounts
                                due.

                           A    FAILURE TO TIMELY PAY; REACTIVATION. If amounts
                                due have not been paid to Orbis or Provider by
                                the first business day following the 10th day of
                                the month, Merchant will be deemed in default
                                and (i) Merchant will incur a $10 collection
                                charge and (ii) the Services will be
                                disconnected. The Services may be restored upon
                                Merchant's payment in full of all past due and
                                collection charges and fees, plus interest
                                accruing at a rate equal to 1.5% per month or
                                the highest amount allowed by law (whichever is
                                higher), in addition to a $25 reactivation fee.
                                Merchant agrees to pay all costs and expenses of
                                whatever nature, including attorneys' fees and
                                other legal expenses, incurred by or on behalf
                                of Orbis or Provider in connection with the
                                collection of any unpaid charges and fees.

         a   SECURITY. The Merchant acknowledges that the security of the
             Services is dependent on the protection by the Merchant of its
             account name, login and password that are administered as part of
             the Services. Merchant agrees that it will be responsible for
             maintaining its account name, login and password as confidential
             and for any activity that occurs as a result of Merchant enabling
             or permitting another person or entity to use its password.
             Merchant agrees to immediately notify Provider customer support at
             support@[Gateway Provider].com or 847-490-7980 in the event that
             (i) Merchant's password is lost or stolen, or (ii) Merchant becomes
             aware of any unauthorized use of its password or of any other
             breach of security that might affect the Services. Merchant
             acknowledges and agrees that Provider is not responsible for any
             loss or damage arising from Merchant's failure to comply with the
             provisions of this Section.

         a   NON-COMPETE. Merchant acknowledges that, as a result of this
             Agreement, Merchant will have access to information that is of a
             confidential and proprietary nature with respect to the provision
             of Services. Merchant agrees that it shall not develop or have
             developed directly or through a third party, and shall not directly
             or indirectly market, license or sell, any product or service that
             is similar to or competitive with the Services at any time during
             the term of this Agreement and for a period of two (2) years after
             the expiration or termination of this Agreement.

1   LICENSE GRANTS AND LIMITATIONS.

         a   USE OF SOFTWARE.

                  i    GRANT OF LICENSE. Subject to the terms and conditions set
                       forth herein, including but not limited to Section 3(c),
                       Provider hereby grants to Merchant a non-exclusive,
                       non-assignable license to use the Software solely for the
                       purposes expressly permitted in writing by Provider (the
                       "Authorized Usage"). Merchant does not acquire any
                       rights, express or implied, in the Software, other than
                       those specified in this License.

                  ii   LIMITATIONS ON LICENSE. Merchant shall not, and shall not
                       cause any other party to (i) remove any of the copyright
                       or other Provider proprietary notices from the Software;
                       (ii) alter, modify or copy the Software or create
                       derivative works from the Software other than as
                       expressly described in the documentation of such
                       Software; (iii) reverse engineer, decompile, disassemble
                       or otherwise attempt to derive source code from the
                       Software; (iv) license, sell, transfer, lease or disclose
                       the Software or any of Merchant's rights under this
                       Agreement, in whole or in part.

                                     - 14 -
<PAGE>   15

                  iii  NO SUPPORT OBLIGATIONS. Unless otherwise agreed to by
                       Provider in writing, Provider shall have no obligation to
                       provide any changes, maintenance, or support to Merchant
                       or any person with respect to the Software.

                  v    EXPORT CONTROLS. None of the Software or underlying
                       information or technology may be exported or re-exported
                       (A) into (or to a national or resident of): Cuba, Iraq,
                       Libya, Yugoslavia, North Korea, Iran, Syria or any other
                       country to which the U.S. has embargoed goods; or (B) to
                       anyone on the U.S. Treasury Department's list of
                       Specially Designated Nationals or the U.S. Commerce
                       Department's Table of Denial Orders. Merchant agrees to
                       the foregoing and represents and warrants that it is not
                       located in, under the control of, or a national or
                       resident of any such country or on any such list.

         a   LICENSE TO USE MERCHANT TRADEMARKS. Merchant hereby grants to
             Provider a non-exclusive, non-transferable right and license to use
             Merchant's trademarks, service marks, copyrights and logos in
             connection with the set-up of Version 2 of the Payment Form as
             found on the Provider POS Gateway and in connection with the use of
             the Services by Merchant. Provider agrees that no other public use
             will be made of Merchant's trademarks, service marks, copyrights or
             logos.

1   SUPPORT. Merchant acknowledges and agrees that Orbis will provide customer
    support to Merchant and that Provider shall not be responsible for providing
    customer support to Merchant. Merchant shall refer all of its customer
    support requests to Orbis.

1   OWNERSHIP.

         a   IDEAS, TRANSACTION DATA AND SERVICES. Subject to requirements of
             all applicable laws, Provider shall own all right, title and
             interest to the Services, the Transaction Data and any
             modifications, enhancements, or derivative works arising from the
             provision of the Services; provided, however, that to the extent
             that Provider has obtained, solely under this Agreement, personally
             identifying information of either Merchant or any customer of
             Merchant, Provider shall not sell such information to any third
             party.

         a   SOFTWARE. Provider shall retain all title, copyright and other
             proprietary rights in the Software and any derivative works
             thereof. Merchant does not acquire any rights, express or implied,
             in the Software or such derivative works other than those specified
             herein. Provider also retains title to all media used to supply the
             Software to Merchant.

         a   ASSIGNMENT OF OWNERSHIP RIGHTS. Without limiting the generality of
             Section 6(a) and Section 6(b), if and to the extent that Merchant
             may be entitled to claim any ownership interest in the Services or
             any ideas or concepts or materials developed by Provider pursuant
             to this Agreement, Merchant hereby irrevocably transfers, grants,
             conveys, assigns, and relinquishes exclusively to Provider, without
             further consideration, all of the Merchant's right, title, and
             interest in and to such ideas or concepts or materials, under
             patent, copyright and/or trade secret law, as such exist from and
             after the moment of inception. Merchant shall perform any acts that
             Provider may reasonably request to evidence more fully the transfer
             of ownership of such ideas or concepts or materials to the fullest
             extent possible, including without limitation, making written
             assignments in such form as may be requested by Provider.

1   SAFEGUARDING OF DATA.

         a   GENERALLY. As between Merchant on the one hand, and Provider on the
             other hand, information relating to Customers, whether or not
             marked "confidential" and whether disclosed in tangible or in
             intangible (e.g., oral or visual) form, including, without
             limitation, all Transaction Data, is Confidential Information of
             Provider. Subject to the provisions of Section 9, Merchant shall
             have access to and may make use of Transaction Data to the extent
             reasonably necessary to verify payment and provide service to its
             Customers and as the Customer otherwise may expressly authorize and
             not for any other purpose. Upon expiration or termination of this

                                     - 15 -
<PAGE>   16

             Agreement for any reason, or upon Provider's request, Merchant
             shall promptly return to Provider all of the Transaction Data in
             Merchant's possession, including backup and archival copies (and
             shall destroy any electronic copies of the Transaction Data that it
             may have, in whatever form), except to the extent that Merchant is
             lawfully required to maintain such information.

         a   SAFEGUARDING OF DATA. Merchant shall maintain appropriate
             safeguards, consistent with prevailing industry standards, against
             the destruction, inappropriate disclosure (including display of the
             Transaction Data on a non-secure browser), wrongful access or use,
             loss or alteration of the Transaction Data in its possession, but
             in no event less than reasonable safeguards.

1   MERCHANT WARRANTIES. Merchant makes the following representations and
    warranties to Provider:

         a   Statements made by Merchant in this Agreement, and all statements
             in any other document relating to the subject matter hereof, by
             Merchant or on Merchant's behalf, are true, accurate and complete
             in all material respects.

         a   Merchant is duly licensed to conduct business under the laws of any
             state, county and city in which Merchant is located.

         a   Merchant and Customer use of the Services and Software shall be
             only for lawful purposes and shall not violate any federal, state,
             or local laws.

2   CONFIDENTIALITY.

         a   CONFIDENTIALITY OBLIGATIONS. Merchant agrees: (i) that it will not
             use or disclose to any third person any Confidential Information
             disclosed to it by any other party except as expressly permitted in
             this Agreement; and (ii) that it will take all reasonable measures
             to maintain the confidentiality of all Confidential Information in
             its possession or control, which measures will in no event be less
             than the measures Merchant uses to maintain the confidentiality of
             its own information of similar importance.

         a   NO LICENSE. Nothing contained in this Section 9 will be construed
             as obligating Provider to disclose its Confidential Information to
             any other party, or as granting to or conferring on Merchant,
             expressly or implied, any patent, copyright, trademark, trade name,
             trade secret, or other intellectual property rights or any license
             to the Confidential Information of Provider.

         a   LOSS OF CONFIDENTIAL INFORMATION. In the event of any breach by
             Merchant of this Section 9 that results in a disclosure or loss of,
             or inability to account for, any Confidential Information, the
             Merchant shall promptly, at its own expense: (i) notify Provider in
             writing; (ii) take such commercially reasonable actions as may be
             necessary or reasonably requested by Provider to minimize the
             breach; and (iii) cooperate in all reasonable respects with
             Provider to minimize the breach and any damage resulting therefrom.

1   INDEMNIFICATION; INFRINGEMENT REMEDIES.

         a   MERCHANT INDEMNIFICATION. Merchant agrees to indemnify, hold
             harmless, protect and defend Provider and its affiliates and their
             officers, directors, shareholders, employees, and agents
             (individually and collectively, "Indemnitee") against any claim,
             action, loss, damages, demands or liability, including without
             limitation attorneys' fees, brought against Indemnitee, in any way
             relating to or arising out of:

                  i    any action for intellectual property infringement
                       relating to acts and/or information or content supplied
                       or approved by Merchant and its affiliates and their
                       officers, directors, shareholders, employees, and agents
                       (individually and collectively, "Indemnitor");

                                     - 16 -
<PAGE>   17

                  ii   any breach of this Agreement, including but not limited
                       to any breach of any representation and warranty
                       contained in Section 8 by Merchant;

                  iii  any negligent, fraudulent, willful, or intentional acts
                       or omissions of Indemnitor;

                  iv   any claim that Indemnitor violated any law, rule or
                       regulation;

                  v    any failure of Provider to provide, or delay in the
                       provision of, the Services; or

                  vi   any use by Merchant or Customers of the Services.

                  vii  This Section 10(a) shall survive expiration or
                       termination of this Agreement for any reason.

         a   SERVICES OR SOFTWARE REMEDIES. If the Services or Software are held
             or believed by Provider to infringe any third party's rights,
             Provider shall have the option, at its expense, to (a) modify the
             Services and Software to be non-infringing; or (b) obtain for
             Merchant a license to continue using the Services or Software. If
             it is not commercially reasonable to perform either of the above
             options, then Provider may terminate the license with respect to
             the infringing portion of the Services or Software. THIS SECTION 10
             STATES PROVIDER'S ENTIRE LIABILITY AND MERCHANT'S EXCLUSIVE REMEDY
             FOR ANY INFRINGEMENT.

         1   TERMINATION; EQUITABLE RELEIF.

         a   TERMINATION BY EITHER PARTY. Either party may terminate this
             Agreement for any reason, or for no reason, upon 30 days prior
             written notice.

         b   MATERIAL DEFAULT. Notwithstanding the provisions of Section 11(a),
             in the event that Merchant has failed to pay any amount when due or
             is in breach or default of any other material obligation set forth
             in this Agreement, Provider may:

                  i    terminate this Agreement if such breach remains uncured
                       for a period of 5 days after such notice, provided,
                       however, that if Merchant is in breach of Sections 3(b),
                       4(a)(ii) or 9, Provider shall have the right to terminate
                       this Agreement immediately; and

                  ii   exercise any right or remedy available to it at law or in
                       equity.

         a   OBJECTIONABLE PRACTICES. Notwithstanding the provisions of Section
             11(a), Provider reserves the right to monitor the practices of
             Merchant to determine, in the sole discretion of Provider, if the
             practices are detrimental to or inconsistent with the achievement
             of Provider's business objectives and strategy, and, if Provider
             makes such a determination, Provider may terminate this Agreement
             at any time by providing 5 days' prior written notice to Merchant.

         a   EFFECT OF TERMINATION. Upon termination of this Agreement, Merchant
             will cease using any of the Services, and will also cease using and
             will return or destroy, all copies of the Software in Merchant's
             possession.

         a   EQUITABLE RELIEF. NOTWITHSTANDING ANY PROVISION HEREIN TO THE
             CONTRARY, MERCHANT UNDERSTANDS THAT IN THE EVEN OF ITS BREACH OR
             THREATENED BREACH OF ANY OF SECTIONS 3(B), 4(A)(II) OR 9, PROVIDER
             WILL NOT HAVE SUFFICIENT REMEDY AT LAW IN DAMAGES, AND ACCORDINGLY
             SHALL BE ENTITLED TO INJUNCTIVE RELIEF, AND NO SPECIFIC LEGAL OR
             EQUITABLE REMEDY SET FORTH HEREIN SHALL BE CONSTRUED AS A WAIVER OF
             ANY OTHER LEGAL OR EQUITABLE REMEDY AVAILABLE TO PROVIDER IN THE
             EVENT OF A BREACH OR THREATENED BREACH OF SUCH SECTIONS BY
             MERCHANT.

                                     - 17 -
<PAGE>   18

1   LIMITATION OF WARRANTIES; LIMITATION OF LIABILITY.

         a   LIMITATION OF WARRANTIES. THE USE OF THE SERVICES AND SOFTWARE IS
             SOLELY AT MERCHANT'S OWN RISK. THE SERVICES AND SOFTWARE ARE
             PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. Provider EXPRESSLY
             DISCLAIMS ALL WARRANTIES OF ANY KIND WITH RESPECT TO THE SERVICES
             AND SOFTWARE, WHETHER EXPRESS OR IMPLIED INCLUDING IMPLIED
             WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND
             NON-INFRINGEMENT. Provider MAKES NO WARRANTY THAT THE SERVICES OR
             SOFTWARE WILL MEET MERCHANT'S REQUIREMENTS, OR WILL BE
             UNINTERRUPTED, TIMELY, SECURE, CURRENT, ACCURATE, COMPLETE OR
             ERROR-FREE OR THAT THE RESULTS THAT MAY BE OBTAINED BY USE OF THE
             SERVICES AND SOFTWARE WILL BE ACCURATE OR RELIABLE. MERCHANT
             UNDERSTANDS AND ACKNOWLEDGES THAT MERCHANT'S SOLE AND EXCLUSIVE
             REMEDY WITH RESPECT TO ANY DEFECT IN OR DISSATISFACTION WITH THE
             SERVICES IS TO CEASE TO USE THE SERVICES AND SOFTWARE.

         a   LIMITATION OF LIABILITY. MERCHANT EXPRESSLY UNDERSTANDS AND AGREES
             THAT Provider SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT,
             INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING
             WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA
             LOSS OR CORRUPTION, STOLEN OR MISUSED PASSWORDS, OR BREACHES IN
             SYSTEM SECURITY, OR OTHER LOSSES (EVEN IF Provider HAS BEEN ADVISED
             OF THE POSSIBILITY OF SUCH DAMAGES) RESULTING FROM: (i) THE USE OF,
             OR INABILITY TO USE, THE SERVICES OR SOFTWARE, (ii) THE COST OF
             PROCUREMENT OF ANY SUBSTITUTE PRODUCTS AND/OR SERVICES AND/OR
             SOFTWARE RESULTING FROM ANY PRODUCTS, DATA, INFORMATION OR SERVICES
             OBTAINED OR WHICH MERCHANT WAS UNABLE TO OBTAIN OR TRANSACTIONS
             EFFECTED OR FAILED TO BE EFFECTED, (iii) ANY LINK PROVIDED IN
             CONNECTION WITH THE SERVICES OR SOFTWARE (iv) ANY UNAUTHORIZED
             ACCESS TO TRANSACTION DATA, OR (v) ANY MATTER OTHERWISE RELATED TO
             MERCHANT'S OR CUSTOMERS' USE OF THE POS GATEWAY OR THE SERVICES OR,
             IN MERCHANT'S CASE, THE SOFTWARE. MERCHANT AGREES THAT ITS SOLE AND
             EXCLUSIVE REMEDY WITH RESPECT TO THE SERVICES OR SOFTWARE IS TO
             CEASE TO USE THE SERVICES OR SOFTWARE.

1   GENERAL PROVISIONS.

         a   FORCE MAJEURE. Provider shall not be liable for any delay or
             failure due to acts of God, natural disaster, labor shortages or
             disputes, changes in law, riots, war, epidemics, acts or omissions
             of vendors or suppliers, transportation, communication or energy
             difficulties, disruptions, delays, suspensions or terminations or
             other occurrences which are beyond Provider's reasonable control.

         a   GENERAL PRACTICES REGARDING STORAGE. Merchant understands and
             agrees that Provider may from time to time establish and revise
             practices and limitations concerning Merchant's use of the
             Services. Merchant agrees that Provider shall have no liability for
             the deletion or failure to store any communications or other
             content maintained on the site used in connection with the
             provision of the Services or transmitted using the Services.

         a   NO WAIVER. The delay or omission by a party to exercise or enforce
             any right or power of any provision of this Agreement shall not be
             construed as a waiver or relinquishment to any extent of such
             party's right to assert or rely upon any such provision or right in
             that or any other instance. A waiver by a party hereto of any of
             the covenants to be performed by any other or any breach thereof
             shall not be construed to be a waiver of any succeeding breach
             thereof or of any other covenant herein contained.

         a   ENTIRE AGREEMENT. This Agreement and the Schedule hereto together
             constitute the complete and exclusive agreement between the parties
             hereto, and supersede any and all prior agreements of the parties
             with respect to the subject matter hereof, unless Merchant has also
             entered into a Orbis Agreement with Provider, in which case both
             the Merchant Agreement and this Agreement shall be effective and
             enforceable. This Agreement may be amended by Provider at any time
             upon five (5) days prior notice, in accordance with paragraph (h)
             below.

                                     - 18 -
<PAGE>   19

         a   PUBLICITY. Except as required by law or provided in this Agreement,
             no party will make, directly or indirectly, any public comment,
             statement, press release or other announcement or communication
             relating to the terms and conditions of this Agreement without the
             prior written approval of all other parties. If a party is required
             by law to make any such disclosure, it first shall provide notice
             to the other party of the content of the proposed disclosure, the
             reason(s) that such disclosure is required by law, and the time and
             place that the disclosure will be made. Notwithstanding the
             foregoing provisions, Provider shall have the right to list
             Merchant on the Provider Site or in Provider marketing materials as
             a customer of Provider.

         a   ASSIGNMENT; SUCCESSORS AND ASSIGNS. This Agreement shall be binding
             on the parties hereto and their respective successors and permitted
             assigns. Merchant shall not assign, sell, trade, cause to be
             assumed, or otherwise transfer this Agreement or any rights granted
             to Merchant herein without the prior written consent of Provider.
             For the purposes of this Section 13(f), any assignment by operation
             of law, under an order of any court or pursuant to any plan of
             merger, consolidation or liquidation shall be deemed an assignment
             for which prior consent is required, and any assignment made
             without such consent shall be void and of no effect as between the
             parties.

         a   LIMITATIONS; GOVERNING LAW. Merchant agrees that any cause of
             action arising out of or relating to this Agreement must commence
             within one (1) year after the cause of action arose; otherwise,
             such cause of action is permanently barred. This Agreement will be
             governed by and construed in accordance with the laws of the State
             of Illinois without regard to or application of conflicts of law
             rules or principles. The parties each consent to exclusive
             jurisdiction of the state and federal courts sitting in Cook
             County, Illinois.

         a   NOTICES. Any notice required or permitted by this Agreement shall
             be in writing and shall be deemed given if sent by prepaid
             registered or certified United States mail, return receipt
             requested, overnight mail with a nationally recognized overnight
             mail courier, or sent by facsimile or similar communication, and
             confirmed by such mail, postage prepaid, addressed to another party
             at the address shown below or at such other address for which such
             party gives notice hereunder. In the case of notice from Provider
             to Merchant, the parties agree that, except in the case of
             termination of this Agreement, Provider may, in its sole
             discretion, provide notice by electronic means (including without
             limitation, by e-mail). Notices will be deemed given 5 business
             days after deposit in the U.S. Mail, two business days after
             deposit with an overnight mail courier, or when confirmation of
             receipt is obtained if sent by facsimile or similar communication,
             or if by personal delivery, when received, as applicable:
<TABLE>
<S>                                                               <C>
                  PROVIDER:                                       WITH A COPY TO:

                  MERCHANT:                                       WITH A COPY TO:
                  ____________________________________            _____________________________________
                  ____________________________________            _____________________________________
                  ____________________________________            _____________________________________
                  ____________________________________            _____________________________________

                  Fax: _______________________________            Fax: ________________________________
                  Attn: ______________________________            Attn: _______________________________
</TABLE>

         a   NO AGENCY. The parties are independent contractors and will have no
             power or authority to assume or create any obligation or
             responsibility on behalf of each other, except as expressly
             provided herein. This Agreement will not be construed to create or
             imply any partnership, agency or joint venture.

         a   INTEREST. Any payment under this Agreement, which is not paid when
             due, shall accrue interest at a rate equal to 1.5% per month or the
             highest amount allowed by law.

                                     - 19 -
<PAGE>   20

         a   SEVERABILITY. If for any reason a court of competent jurisdiction
             finds any provision or portion of this Agreement to be
             unenforceable, that provision of the Agreement will be enforced to
             the maximum extent permissible so as to effect the intent of the
             parties, and the remainder of this Agreement will continue in full
             force and effect.

         a   SURVIVAL. Sections 3(b), 3(f), 6, 7, 8, 9, 10, 11 and 12 and this
             Section 13 shall survive termination or expiration of this
             Agreement for any reason.

         a   HEADINGS. Section headings are included for convenience of
             reference only and do not describe the sections to which they
             relate.

         b   EFFECTIVE. This Agreement shall not be enforceable against Provider
             until signed by an authorized Provider representative.

IN WITNESS WHEREOF, the undersigned duly authorized representatives of the
parties have executed this Agreement as of the Effective Date.
<TABLE>
<S>                                                       <C>
[NAME OF GATEWAY PROVIDER}.                               MERCHANT
                                                                  --------------------------------------

NAME:                                                     NAME:    /S/
                                                                  --------------------------------------
TITLE: CHIEF EXECUTIVE OFFICER                            TITLE:
                                                                  --------------------------------------
DATE:                                                     DATE:
     ---------------------------------------                   -----------------------------------------
</TABLE>

                                     - 20 -
<PAGE>   21
                              EXHIBIT A (Continued)

                              MERCHANT APPLICATION

                           PRIMARY WEBSITE INFORMATION

--------------------------------------------------------------------------------
  Name of Website

--------------------------------------------------------------------------------
  Website URL

--------------------------------------------------------------------------------
  Site Tag

--------------------------------------------------------------------------------
  Webmaster's Name

--------------------------------------------------------------------------------
  Webmaster's Phone Number

--------------------------------------------------------------------------------
  Webmaster's E-mail Address

--------------------------------------------------------------------------------

                THIRD PARTY NOTICE RECIPIENT CONTACT INFORMATION

--------------------------------------------------------------------------------
  Company Name

--------------------------------------------------------------------------------
  Contact Name

--------------------------------------------------------------------------------
  Contact Email Address

--------------------------------------------------------------------------------
  Fax

--------------------------------------------------------------------------------
  Street

--------------------------------------------------------------------------------
  City

--------------------------------------------------------------------------------
  State

--------------------------------------------------------------------------------
  Zip Code

--------------------------------------------------------------------------------

                                     - 21 -<PAGE>   1
                                                                    EXHIBIT 10.5

                          PROCESSING SERVICES AGREEMENT

         This Processing Services Agreement (the "Agreement") is entered into
this ____ day of _________, 2000, by and between [NAME OF PROCESSOR]
("Processor"), with its principal place of business at [ADDRESS OF PROCESSOR]
and ORBIS DEVELOPMENT, INC ("Company"), a Nevada corporation with its principal
place of business at 313 Elks Point Road Zephyr Cove, Nevada 89448.

                                    RECITALS

         WHEREAS, Processor provides total transaction processing services to
financial institutions and other entities within the electronic payments
industry and has developed certain software programs and procedures related to
such services; and
         WHEREAS, Company provides services for internet-based transactions to
web merchants and has relationships with financial institutions that acquire
such transactions for collection on behalf of Company; and
         WHEREAS, Company wishes to obtain transaction and other data processing
and related services from Processor for its transactions and financial
institutions.
         NOW THEREFORE, in consideration of the premises and mutual promises
contained herein and for other good and valuable considerations, the receipt and
sufficiency of which are hereby acknowledged, the parties agree as follows:

                               SECTION 1. SERVICES

         1.1 Jurisdiction for Services.Services to be performed under the terms
of this Agreement shall apply only to those transactions originating at merchant
locations governed under the rules and regulations of the applicable
international region of Visa International, Inc. ("Visa") and the international
operating regulations of MasterCard International, Inc. ("MasterCard")
(collectively, the "Card Associations"). All transactions shall be in United
States Dollars.
         1.2 Company will obtain the authorization contained in Exhibit A of
this Agreement from any member of Visa and MasterCard that will be providing a
Visa Bank Identification Number ("BIN") and MasterCard Interbank Association
number ("ICA") (hereinafter, the "Acquirer") to Processor for submitting payment
transactions for collection under the Acquirer's membership license with Visa
and MasterCard. Processor shall be entitled to rely on such authorization in
providing any services under this Agreement to Company. Company acknowledges
that the implementation of the BIN and ICA are subject to approval of and
timeframes set by the card associations and agrees that it will obtain all the
paperwork required by the Card Associations for such implementations.
         1.3 Transaction Authorization and Data Capture. Company will transmit
payment transactions for authorization by card issuers by communications methods
currently available with Processor and with software and hardware that has been
certified to Processor's StrongBox (TM) authorization system. Company will bear
the expense for transmission by means that are not included in Processor's
current communications methods or for communications costs for implementing
dedicated lines or dial numbers within any country other than the United States.
Processor will obtain authorization responses using BASE I file formats through
a Visa Access Point ("VAP") and BankNet file formats through a MasterCard
Interface Processor ("MIP") maintained by Processor and will provide Company
with authorization responses returned via the VAP and MIP. Transaction data
transmitted to Processor will be captured by the StrongBox(TM) system. No less
than once during each business day transaction data will be prepared in file
formats suitable for export to an external clearing and settlement system
designated by Company or will be submitted directly to Visa and MasterCard on
behalf of any financial

1
<PAGE>   2

institution providing such authorization in Exhibit A. At Company's option,
other card types for which Processor is certified by the applicable card company
to provide authorization and capture services for international merchants will
be accepted by the StrongBox(TM) system and transmitted to the appropriate card
companies in formats and at such times as have been agreed to between Processor
and the applicable card company.
         1.4 Interchange Clearing and Settlement Processing. Processor will
fully format captured transaction data records, as required by the respective
Card Associations for transactions relating to international processing
requirements, from its authorization systems or received from other processing
vendors and will transmit such records into the Card Associations' respective
systems at such times as are determined by Processor and the respective
associations but in any event no less than once daily to each association.
Processor shall obligate itself to meet the cut-off deadlines for transmission
of data for each Card Association on a daily basis. Company will be provided
with reporting of cleared transactions, rejects, retrievals and other items
received in interchange settlement records, including net amounts to be paid to
Company's account by each Card Association. Processor shall have no
responsibility for payment to merchants beyond providing Company with reports
regarding the total number of transactions and US Dollars submitted by each
merchant for settlement and clearing.
         1.5 Company shall be responsible for back-up and other protection
against loss, damage or destruction of data received from Processor, and
Processor shall have no obligation or liability with respect thereto. Processor
shall be responsible for back-up and other protection of all data received from
Company or its merchants or agents and from the Card Associations but shall have
no duty or responsibility to provide such data to Company except as required by
ordinary processing practices or by specific terms of this Agreement.
         1.6 Portfolio Management Services. At Company's election, Processor
will provide one or more of the following portfolio support services, which will
be more specifically described in Processor's client services operations
manuals:
         a. Exceptions Management. Full retrieval and chargeback processing as
set forth in the Card Associations' rules and regulations, including the entry
of debit and credit items for adjustment and collection from Company's customers
into the settlement processing systems of Visa and MasterCard. Company will
provide Processor with written procedures for charging merchants and
resubmitting any dispute items.
         b. Account Activation. Account data entry and setup on authorization
and settlement systems and activation of approved accounts pursuant to Company's
written instructions.
         c. Risk Management. Production and distribution of daily transaction
reporting for review and disposition by Company.
         d. Customer Service. Processor will provide direct support to Company
during business hours, Tucson Time (RMT October to April, PST during period of
US daylight savings) to receive inquiries, perform related research services and
provide written responses to inquiries that are not capable of phone resolution.
Processor will not be responsible for providing direct customer services to any
merchants of Company, including those that may originate transactions from
points of sale located within the United States.
         e. Other Services. Processor may perform such other services for or on
behalf of Company as the parties may agree from time to time in writing.
         1.7 Communication Services. At Company's request and expense, Processor
will provide communications lines between Processor's facilities and one or more
sites designated by Company and appropriate server links and related services
for the purpose of providing Company with access to its merchant data and for
communications between computer systems, including computer servers, located at
Company or at the facilities any merchant of Company.

2

<PAGE>   3

                      SECTION 2. PROCESSOR PROGRAM LICENSE

         Processor hereby grants to Company a non-exclusive and non-transferable
license to use any proprietary products of Processor that may be required in
connection with the performance of this Agreement. This license, regardless of
product covered hereby, shall terminate immediately upon termination of this
Agreement whether for cause or otherwise. In the event Company obtains any
portion of PurchasePoint(TM) (Processor's proprietary suite of internet-enabling
applications), a separate written grant of license and payment of applicable
license fees shall be required prior to delivery of PurchasePoint.

                         SECTION 3. PAYMENT FOR SERVICES

         3.1 Fees payable by Company for transaction processing and related
services are set forth on Schedule A. Fees for services that are to be performed
by Processor at Company's option are set forth on Schedule B. Processor shall
have the right to pass through any increase in fees from third party
communications vendors upon thirty (30) days written notice. Processor may
increase other fees at any time after completion of the first 12 months of the
Agreement; provided, however, increases in fees, other than third party
communications costs, in any succeeding 12-month period shall not exceed a
cumulative total of five percent (5%) and shall be effective only after thirty
(30) days written notice.
         3.2 Prior to initiation of services, Company shall provide Processor
with a completed Exhibit B which contains the routing number of a commercial
checking account maintained by Company with a financial institution that is a
member of the United States Federal Reserve's Automated Clearing House ("ACH")
system (the "Account') and hereby authorizes Processor to debit the Account for
any fees payable to Processor and for all adjustments and debits that are made
in the ordinary course of business. A statement or advice of debit will be
provided no less than ten (10) days prior to such debit. In the event Company
disagrees with any amount included in the invoice, Processor shall be provided
written notice of the same within five (5) business days from receipt of the
invoice and shall, nonetheless, be prepared to pay all undisputed amounts within
10 days of receipt of the invoice. The parties will act in good faith to revolve
any dispute within twenty (20) days following notice from Company, but in any
event, such dispute shall not prevent timely payment of any subsequent invoices
for which no dispute is raised. Company shall at all times maintain sufficient
balances in the Account to cover all fees, payments, adjustments and processing
entries which will be made pursuant to and during the term of this Agreement and
for a minimum of sixty (60) days after termination of services and any
de-conversion period agreed to by the parties. Company shall be liable to
Processor for expenses of collection of its fees including its reasonable
attorney's fees and court costs. Late payments shall incur a fee calculated as
interest of 10% per annum or highest rate permitted by law, whichever is less,
during the period in which any undisputed amount remains unpaid.

                                 SECTION 4. TERM

         This Agreement is effective from the date hereof and shall continue for
a term of five (5) years (the "Initial Term"). Thereafter, this Agreement shall
be automatically renewed for consecutive two (2) year periods (a "Renewal Term")
unless either party gives the other written notice of non-renewal at least one
hundred and eighty (180) days prior to the expiration date of the then-current
term.

3
<PAGE>   4

                            SECTION 5. TERMINATION

         5.1 This Agreement may be terminated by either party:
         (a) Upon completion of any then-current term for which the terminating
party has provided proper notice of non-renewal under section 5.
         (b) For breach by the other party of any material provision of this
Agreement and failure to cure such breach within fifteen (15) days of written
notice specifying the cause thereof. Notice of such termination must be provided
no more than fifteen (15) days following the breaching party's failure to cure.
         5.2 The foregoing subsection 5.1 notwithstanding, Processor shall have
the right to termination at any time after having provided Company of written
notice of its failure to fund any Account overages within 24 hours of written
notice or if Processor has had the right to give notice of overages and make
demand for funding more than three (3) times in any twelve-month period, whether
or not such notice actually given;
         5.3 Processor may terminate immediately upon receipt of notice from a
Member of termination of its authorization under Exhibit A.
         5.4 Notwithstanding the provisions of Section 10.9(b) below, Company
may terminate immediately, in the event Processor is unable to perform services
set forth in Sections 1.2 and 1.3 for a period in excess of two (2) consecutive
calendar days.

                        SECTION 6. EFFECT OF TERMINATION

         6.1 Immediately upon termination, whether by expiration or otherwise,
Processor's obligation to provide services hereunder shall immediately cease,
and any unpaid amounts due and owing by Customer shall become immediately due
and payable.
         6.2 Payment for any services rendered or any other obligation of
liability owing at the time of termination or which becomes owing under this
Agreement whether or not such obligations arise prior to or after the
termination date shall not be affected by termination of this Agreement.
         6.3 Processor will provide all reasonable assistance to transfer
Customer's accounts to another payment processor; provided, however, all costs
of transfer shall be at Customer's sole expense based upon Processor's then
current rates for de-conversion of accounts. Provided Customer is not in default
of payment of any amounts due to Processor, Processor will provide processing
services for up to ninety (90) days following termination to afford Customer a
reasonable amount of time for such transfer.

                SECTION 7. INDEMNIFICATION; LIMITATION OF DAMAGES

         7.1 Processor shall indemnify and hold Company and its respective
officers, directors and employees harmless from any and all claims, costs,
liabilities, losses, damages or expenses (including reasonable attorney's fees)
incurred by Company, or its respective officers, directors and employees,
arising out of any failure by Processor or its employees or agents to comply
with the terms of this Agreement or any negligence, fraud or willful misconduct
by Processor or its officers, directors or employees; provided, however,
Processor shall not be obligated to indemnify Company or its officers, directors
or employees for any matter described in 7.2 below.
         7.2 Company shall indemnify and hold Processor and its respective
officers, directors and employees harmless from any and all claims, costs,
liabilities, losses, damages or expenses (including reasonable attorney's fees)
incurred by Processor or its respective officers, directors and employees,
arising out of any failure by Company or its employees or agents to comply with
the terms of this Agreement or any negligence, fraud or willful misconduct by
Company or its officers, directors or employees; provided, however, Company
shall not be obligated to indemnify Processor or its officers, directors or
employees for any matter described in 7.1 above.
         7.3 Processor's cumulative liability for any loss or damage, direct or
indirect, for any cause whatsoever (including, but not limited to those arising
out of or related to this Agreement and including the indemnification provided
in Section 7.1 above) with respect to claims relating to events in any one
12-month period following the effective date of this Agreement shall not, under
any circumstances, exceed the lesser of:

4
<PAGE>   5

                  (a) Two Hundred Thousand Dollars ($200,000); or
                  (b) The amount of Processing Fees paid to Processor pursuant
to this Agreement for services performed in the immediately preceding 12-month
period, and in the case of the first 12-month period of the Agreement, any
minimum processing fees specified for year one in Schedule A.
         7.4 The indemnification of Section 7.1 notwithstanding, Processor shall
not be liable to Company, to merchants of Company or to any other party for:
                  (a) fraudulent or unauthorized transactions submitted by
Company or its agents or merchants howsoever and wheresoever originated; or
                  (b) selection and operation of any point-of-sale devices or
software by Company or its agents and merchants or for loss of data in transit
between Company's agents and merchants and Processor or between Processor and
acquirers and issuers except for any losses directly attributable to loss of
transactions from the point at which Processor has received such transactions
and prior to a successful transmission of the transactions into the Visa and
MasterCard interchange systems or to gross negligence, willful misconduct or
fraudulent misconduct by Processor or its officers or employees. Processor will
use its best efforts to contract with third parties for the products and
services on which it is dependent, including, but not limited to, communications
carriers, voice authorization providers, equipment manufacturers and their
associated hardware and software providers, whether owned or licensed, however,
Processor shall not be liable to Company for damages, loss, costs or liabilities
suffered or incurred by Company or its merchants attributable to the fault or
negligence of any such third party or parties. In the event of loss of
interchange processing data, Processor will use its best efforts to re-create
and provide the lost data to the appropriate card association or card under
company or to Company, as the case may be, within a reasonable time.
         7.5 IN NO EVENT SHALL EITHER PARTY BE RESPONSIBLE TO THE OTHER FOR
SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES ARISING FROM
OR AS A RESULT OF ANY BREACH OF THIS AGREEMENT.

               SECTION 8. PROPRIETARY AND CONFIDENTIAL INFORMATION

         8.1 The parties acknowledge that in the performance of the terms of
this Agreement, each may be entrusted with information which the other deems to
be Confidential Information, whether prepared or owned by the party deeming such
information confidential, or otherwise coming into that party's possession or
control, from any third party who deems it confidential or proprietary.
Therefore, each party agrees to keep all information confidential belonging to
the other party confidential and will not disclose any confidential formation to
any person except that either party may disclose:
                  (a) Information to its employees and representatives, to the
extent required to perform this Agreement;
                  (b) Any portion of the Information that was or becomes
generally available to the public other than as a result of a disclosure by the
party not claiming ownership of confidential information;
                  (c) Information required to be disclosed by the any state or
federal bank regulatory agency or any card association having jurisdiction over
the subject matter of this Agreement or by court order or pursuant to
governmental process; and
                  (d) Information for which the party claiming ownership of
confidential information provides written consent for disclosure.
         8.2 For purposes of this Agreement, the term "Confidential Information"
shall mean the following:
                  (a) Any information, know-how, data process, technique,
design, drawing, program, formula or test data, work-in-progress, engineering,
manufacturing, marketing, financial, sales supplier,

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<PAGE>   6

customer, employee, investor or business information, whether in oral, written,
graphic, electronic or other form; or any other information or a business nature
to the extent not disclosed to or generally known by those persons engaged in
business similar to that conducted by the party claiming confidentiality (other
than by the act or acts of an employee not authorized by the party claiming
confidentiality to disclose such information), including, but not limited to,
confidential sales or marketing information, actual or anticipated research and
development endeavors, customer lists, customer usages and requirements,
financial data, products, technology, equipment, data processing procedures and
techniques and any other secret business plans or activities of either party,
its parents, affiliates or subsidiaries, or information from any third party
which was disclosed to the party claiming confidentiality; or
                  (b) Any trade secret and any patentable and/or copyrightable
subject matter, including, but not limited to, ideas, inventions, processes,
formulae, methods, refinements, source code and listings, enhancements,
specifications, user manuals, screen displays and formats, computer and software
documentation, software performance results, data and data formats, protocols,
network configurations and the like which are conceived, developed, created or
owned by the party claiming confidentiality; all confidential or secret letters,
memoranda, summaries, notes and any other documents or data in any form or
recorded on any medium pertaining to either party or its respective business.
         8.3 Failure to mark any of the trade secrets of Confidential
Information as "Confidential" shall not affect its status as trade secrets or
Confidential Information under this Agreement.
         8.4 Company acknowledges that all software programs, software systems
designs or architectures, plans, documents, know-how and data bases provided by
Processor (the "Processor Systems") are, and shall remain, the property of
Processor or any third party licensor providing software for Processor's use and
shall include any modifications to the Processor System made specifically at
Company's request and cost. Further, use of the Processor System does not grant
to Company any proprietary or license rights to the system or any part thereof
except as may be specifically set forth in this Agreement.
         Likewise, Processor acknowledges that all merchant records, merchant
data, including transaction data, and any other information acquired by
Processor from Company and its employees, agents and merchants are, and shall
remain the property of Company.
         8.5 The provisions of this Section 8 shall survive any expiration or
termination of this Agreement.

                    SECTION 9. WARRANTIES AND REPRESENTATIONS

         9.1 Third Party Components. Processor represents and Company
acknowledges that (a) Processor's processing systems and software may contain
software and hardware components that are either owned by a third party or in
the public domain, and (b) that Processor has no proprietary interest in such
software or hardware, and as such, cannot grant to Company a license to use such
software or hardware and any related documentation. Processor represents and
warrants that it has the necessary licenses and/or permissions to utilize such
hardware and software for performance of this Agreement. PROCESSOR MAKES NO
WARRANTIES OR REPRESENTATION AS TO SUCH THIRD PARTY SOFTWARE OR HARDWARE
(INCLUDING INFRINGEMENT) AND FURTHER DISCLAIMS ANY AND ALL LIABILITY FOR ANY
LOSSES OR DAMAGES THAT MAY RESULT FROM THE USE THEREOF EXCEPT AS MAY BE
OTHERWISE SET FORTH IN THIS AGREEMENT.
         9.2 Disclaimer of Warranties. EXCEPT FOR THOSE WARRANTIES SET FORTH IN
THIS AGREEMENT, PROCESSOR MAKES NO WARRANTIES REGARDING THE USE, OPERATION OR
PERFORMANCE OR NON-PERFORMANCE OF SOFTWARE AND SYSTEMS UTILIZED FOR THIS
AGREEMENT, WHETHER EXPRESS OR IMPLIED, AND PROCESSOR EXPRESSLY DISCLAIMS ALL
IMPLIED WARRANTIES OR MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

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                         SECTION 10. GENERAL PROVISIONS

         10.1 Disclosure. Each party shall promptly notify the other of any
claim, demand, action, suit or proceeding, facts or circumstances, or the
prospect or threat of the same, which might materially and adversely affect
either party's ability to perform its obligations pursuant to this Agreement.
         10.2 Assignment. Neither party may assign this Agreement or any of its
rights and obligations herein to any third party without the prior written
consent of the other party which consent shall not be unreasonably withheld. The
foregoing shall not include any assignment to a parent, affiliate or subsidiary
of the assigning party.
         10.3 Amendment; Waiver. This Agreement, any of the schedules and
exhibits referred to herein and any of the provisions hereof or thereof shall
not be amended, modified or waived in any fashion except by an instrument in
writing signed by the parties hereto. No delay on the part of any party hereto
in exercising any right, power or privilege hereunder shall operate as a waiver
thereof, nor shall any waiver on the part of any party hereto of any right,
power or privilege hereunder operate as a waiver of any other right, power or
privilege hereunder, nor shall any single or partial exercise of any right,
power or privilege hereunder preclude any other or further exercise thereof or
the exercise of any other right, power or privilege hereunder.
         10.4 Notice. All notices, demands and other communications hereunder
shall be in writing and shall be delivered in person or deposited in the United
States mail, certified or registered, with return receipt requested, or sent by
reputable overnight delivery service as follows:

         (a) If to Processor:

         (b) If to Company:

         The persons or addresses to which mailings or deliveries shall be made
or facsimiles sent may be changed from time to time by notice given pursuant to
the provisions of this subsection 10.4.
         Any notice, demand or other communication given pursuant to the
provisions of this subsection 10.4 shall be deemed to have been given on the
date actually delivered or five days following the date deposited in the United
States mail, properly addressed, postage prepaid, as the case may be.
         10.5 Relationship of Parties. Nothing contained in this Agreement or
any other schedule or exhibit hereto shall be construed as constituting a
partnership, joint venture or agency between Processor and Company. The parties
are independent parties to an agreement and shall be deemed independent
contractors for all purposes.
         10.6 Arbitration Provisions. Any controversy or claim arising out of or
relating to this Agreement, excluding any collection action under Section 3,
shall be settled by arbitration by a panel of three arbitrators in accordance
with the rules of the American Arbitration Association then in effect, whose
decisions shall be final, binding and without appeal. The three arbitrators
shall be selected pursuant to the rules of the American Arbitration Association
from a panel of independent and disinterested persons with at least five years
experience in significant corporate or business matters who are familiar with
transaction processing services. Each party shall select one arbitrator, and the
two so

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<PAGE>   8

selected shall select the third arbitrator. The arbitration shall be conducted
in Fairfax County, Virginia, and shall be governed by and construed in
accordance with the laws of the Commonwealth of Virginia applicable to contracts
made and to be performed wholly within such commonwealth. The expenses of both
parties in the arbitration, including reasonable attorneys' fees and arbitration
expenses, shall be paid by the party whose claims are denied by the arbitrators.
If each party prevails in part, the arbitrators will determine the appropriate
allocation of expenses. This Agreement Judgment upon the award rendered by the
arbitrators may be entered in any court having jurisdiction thereof. The
arbitration agreement set forth herein shall not limit a court from granting a
temporary restraining order or preliminary injunction in order to preserve the
status quo of the parties pending arbitration. Further, the arbitrator(s) shall
have power to enter such orders by way of interim award which shall be
enforceable in a court of competent jurisdiction over the party against whom
enforcement is sought.
         10.7 Headings; Severability. The headings contained in this Agreement
are for convenience of reference only and do not form a part of this Agreement.
If any provision of this Agreement, or the application or any such provision to
any person or circumstance, shall be held invalid by a court of competent
jurisdiction, the remainder of this Agreement, or the application of such
provision to persons or circumstances other than those as to which it is held
invalid, shall not be affected thereby.
         10.8 Attorney Fees. In the event of any litigation or arbitration
between the parties hereto respecting or arising out of this Agreement, the
prevailing party in such action and any appeals therefrom shall be entitled to
recover reasonable legal fees, whether or not such litigation or arbitration
proceeds to final judgment or determination.
         10.9 Force Majeure.
                  (a) Neither party shall be liable to the other by reason of
any failure in the performance of this Agreement to the extent such failure
arises beyond the control of that party. Such causes may include but are not
limited to acts of God, acts of civil or military authority, fires, strikes,
unavailabilty of energy resources, delay in transportation, riots or war. In the
event of any such occurrence, the disable party shall thereafter endeavor to
perform its obligations as promptly as possible. The disabled party shall
promptly and in writing advise the other party if it is unable to perform due to
any such event, the expected duration or such inability to perform and of any
developments (or changes therein) that appear likely to affect the ability of
that party to perform any of its obligations hereunder in whole or in party.
                  (b) In the event either party or any of its designated agents
is disabled and is unable to perform any material obligation hereunder in whole
or in part in excess of ten (10) consecutive business days, and in the absence
of a commercially reasonably recovery plan, the other party shall be entitled to
immediately terminate this Agreement.
         10.10 Counterparts. This Agreement may be executed in one or more
counterparts and by different parties in separate counterparts, with the same
effect as if all parties hereto had signed the same documents. All counterparts
so executed and delivered shall be deemed to be an original, shall be construed
together and shall constitute one agreement.
         10.11 Integrated Agreement. This Agreement, the exhibits hereto and all
other documents and instruments delivered in accordance with the terms hereof
constitute the entire understanding and agreement among the parties hereto with
respect to the subject matter hereof, and there are no agreements,
understandings, restrictions, representations or warranties among the parties
other than those set forth herein or herein provided for.
         10.12 Equal Employment Opportunity. Processor will provide equal
employment opportunities to any employee or applicant and will not discriminate
against any person because of race, color, religion, sex, national origin,
disability, age or veteran status as set forth in applicable federal and state
laws and regulations.

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<PAGE>   9

         IN WITNESS WHEREOF, the parties hereof have caused this Agreement to be
executed by their duly authorized officers as of the effective date hereof.

PROCESSOR:                                 COMPANY:

____________________________________       _____________________________________

Printed Name  ______________________       Printed Name  _______________________

Title:        ______________________       Title:        _______________________

Date          ______________________       Date          _______________________

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<PAGE>   10

                                   SCHEDULE A
                              Processing Price List

10
<PAGE>   11

                                    EXHIBIT A
                             Acquirer Authorization

Acquirer:         ____________________________________________________________

Address:          ____________________________________________________________

                  ____________________________________________________________

Bank Contact:     ____________________________________________________________
                  Name                                     Phone #

Country___________________________  BIN ________________    ICA_________________

Acquirer hereby authorizes _______________________ ("Company") to act on its
behalf in all matters relating to the services being provided by Processor for
the foregoing BIN and ICA and hereby waives any and all claims that Acquirer
might raise against Company arising from the performance of this Agreement,
whether under the laws of the Unites States or any state or territory thereof,
or any laws of Acquirer's place of domicile as set forth above or of any other
laws or regulations that might apply to this Agreement, including the rules and
regulations of Visa and MasterCard.

Acquirer acknowledges that certain forms and authorizations are required by Visa
and MasterCard in order to implement the foregoing BIN and ICA on Processor's
systems, and Acquirer agrees that Company shall be entitled to rely on the
content of such forms for processing services to be provided by Processor.

The foregoing is acknowledged and agreed to by Acquirer.

By:               _____________________________________________

Printed Name:     _____________________________________________

Title:            ______________________________

Date:             ______________________________

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<PAGE>   12

                                    EXHIBIT B
                         Authorization to Debit Account

         ORBIS DEVELOPMENT, INC. ("Company") hereby authorizes [NAME OF
PROCESSOR] ("Processor") to debit the following account for fees and charges as
set forth in the Processing Services Agreement (the "Agreement") between the
parties dated __________, 2000.

         This authorization shall remain in effect for any term of time during
which the Agreement is in full force and effect and for any period thereafter
specified in the Agreement during which the respective rights and obligations of
the parties may remain in effect.

Bank Name:                 ________________________________________

ABA No.:                   ________________________________________

Depository Account No.:    ________________________________________

COMPANY:

By:               __________________________________________________

Printed Name:     __________________________________________________

Title:            _________________________Date:____________________

12

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