Document:

<PAGE>

                                                                  EXHIBIT 10. 29

                      SECOND AMENDMENT TO CREDIT AGREEMENT

         THIS SECOND AMENDMENT TO CREDIT AGREEMENT (this "Second Amendment") is
dated as of the 23rd day of November, 1999 among GABLES REALTY LIMITED
PARTNERSHIP (the "Borrower"), WACHOVIA BANK, N.A., as Administrative Agent (the
"Administrative Agent"), FIRST UNION NATIONAL BANK, as Syndication Agent, CHASE
BANK OF TEXAS, NATIONAL ASSOCIATION, as Documentation Agent and WACHOVIA BANK,
N.A., FIRST UNION NATIONAL BANK, CHASE BANK OF TEXAS, NATIONAL ASSOCIATION,
COMMERZBANK AG, NEW YORK AND GRAND CAYMAN BRANCHES, PNC BANK, NATIONAL
ASSOCIATION, AMSOUTH BANK OF ALABAMA and GUARANTY FEDERAL BANK, F.S.B.
(collectively, the "Banks");

                              W I T N E S S E T H:

         WHEREAS, the Borrower, the Administrative Agent and the Banks executed
and delivered that certain Amended and Restated Credit Agreement, dated as of
May 13, 1998, as amended by First Amendment to Credit Agreement dated as of June
14, 1999 (as so amended, the "Credit Agreement");

         WHEREAS, the Borrower has requested and the Administrative Agent and
the Banks have agreed to certain amendments to the Credit Agreement to permit
Gables-Tennessee Properties ("Gables-TN") to bc released as a Guarantor and to
become a joint and several co-Borrower with Gables Realty Limited Partnership
(the "Parent"; Gables-TN and the Parent being referred to collectively as the
"Borrower"), subject to the terms and conditions hereof;

         NOW, THEREFORE, for and in consideration of the above premises and
other good and valuable consideration, the receipt and sufficiency of which
hereby is acknowledged by the parties hereto, the Borrower, the Administrative
Agent and the Banks hereby covenant and agree as follows:

         1. DEFINITIONS. Unless otherwise specifically defined herein, each term
used herein which is defined in the Credit Agreement shall have the meaning
assigned to such term in the Credit Agreement. Each reference to "hereof",
"hereunder", "herein" and "hereby" and each other similar reference and each
reference to "this Agreement" and each other similar reference contained in the
Credit Agreement shall from and after the date hereof refer to the Credit
Agreement as amended hereby.

<PAGE>

         2. Assumption, Release and Global Amendments.

         (a) Gables-TN hereby assumes all rights and obligations as a "Borrower"
under the Credit Agreement, on a joint and several basis with the Parent,
including all obligations to make payments on the Notes as and when due, and all
other payment and indemnification obligations of a Borrower under the Credit
Agreement and the Notes, as fully as if it had executed and delivered each such
document as an original Borrower, and the Parent and Gables-TN hereby agree to
execute and deliver to the Administrative Agent replacement Notes for each of
the Banks, jointly executed by them.

         (b) Gables-TN hereby is released from all of its rights and obligations
as a "Guarantor" under the Guaranty.

         (c) The Administrative Agent and the Banks hereby consent to the
foregoing, and release Gables-TN as a Guarantor, substituting Gables-TN as an
additional joint and several Borrower.

         (d) The term "Borrower", wherever used in the definitions of the terms
set forth below and in (or for purposes of) the Sections referenced below, in
all references to the Credit Agreement in each of the Loan Documents, and in the
Borrowing Base Certificate and the Compliance Certificate, hereby is deleted,
and the term "Parent" is substituted therefor (but the Borrowing Base
Certificates and the Compliance Certificates submitted hereafter need not
actually be revised accordingly, but shall be deemed to have been so revised):

  DEFINITION                                           SECTION
  ----------                                           -------
  Change in Control                                     1.02
  Consolidated Debt                                     4.04
  Consolidated Fixed Charges                            4.06
  Consolidated Fixed Charges Coverage Ratio             4.08
  Consolidated Interest Expense                         5.01
  Consolidated Income Available for Debt Service        5.03
  Consolidated Income Available for Distribution        5.04
  Consolidated Total Assets                             5.05
  Debt Rating                                           5.06
  Fiscal Year                                           5.07 (clause (v) only)
  General Partner                                       5.09 (clause (E) only)
  Joint Venture                                         5.22
  Joint Venture Share                                   5.27
  Material Adverse Effect                               5.28
  Subsidiary
  Total Assets Value
  Total Debt (clauses (iii) and (vi) only)
  Wholly Owned Subsidiary

         (e) The term Borrower, wherever used in the Credit Agreement, other
than in the definitions and Sections listed above in paragraph (d), hereby is
changed to "Borrowers".

                                       2
<PAGE>

         3. AMENDMENTS TO SECTION 1.01. Section 1.01 of the Credit Agreement
hereby is amended by deleting the definition of "Borrower" and adding the
following definitions of "Borrowers", "Gables-TN" and "Parent" in the
appropriate alphabetical sequence:

                           "Borrowers" means, individually and collectively, as
                  the context shall require, the Parent and Gables-TN, as joint
                  and several obligors for all purposes under this Agreement and
                  the Notes.

                           "Gables-TN" means Gables-Tennessee Properties, a
                  Tennessee general partnership, and its successors and
                  permitted assigns.

                           "Parent" means Gables Realty Limited Partnership, a
                  Delaware limited partnership, and its successors and permitted
                  assigns.

         4. AMENDMENT TO SECTION 4.01. Section 4.01 of the Credit Agreement
hereby is deleted, and the following is substituted therefor:

                           SECTION 4.01. PARTNERSHIP OR CORPORATE EXISTENCE AND
                  POWER. The Parent is a limited partnership duly created and
                  validly existing under the laws of Delaware, Gables-TN is a
                  general partnership duly created and validly existing under
                  the laws of Tennessee, GBP is a trust duly created, validly
                  existing and in good standing under the laws of Maryland, the
                  General Partner is a corporation duly organized, validly
                  existing and in good standing under the laws of Texas, and
                  each of the foregoing is duly qualified to transact business
                  in every jurisdiction where, by the nature of its business,
                  such qualification is necessary, and has all partnership
                  powers and all governmental licenses, authorizations, consents
                  and approvals required to carry on its business as now
                  conducted, except where any such failure does not have and is
                  not reasonably expected to cause a Material Adverse Effect.

         5. REPLACEMENT OF NOTES. EXHIBIT A-1 and EXHIBIT A-2 to the Credit
Agreement hereby are deleted, and EXHIBIT A-1 and EXHIBIT A-2 hereto are
substituted therefor.

         6. RESTATEMENT OF REPRESENTATIONS AND WARRANTIES. The Borrowers hereby
restate and renew each and every representation and warranty heretofore made by
it in the Credit Agreement and the other Loan Documents as fully as if made on
the date hereof (except to the extent such representations and warranties
expressly relate to an earlier date) and with specific reference to this Second
Amendment and all other loan documents executed and/or delivered in connection
herewith.

         7. EFFECT OF AMENDMENT. Except as set forth expressly hereinabove, all
terms of the Credit Agreement and the other Loan Documents shall be and remain
in full force and effect, and shall constitute the legal, valid, binding and
enforceable obligations of the Borrowers.

                                       3
<PAGE>

         8. RATIFICATION. The Borrowers hereby restate, ratify and reaffirm each
and every term, covenant and condition set forth in the Credit Agreement and the
other Loan Documents effective as of the date hereof.

         9. COUNTERPARTS. This Second Amendment may be executed in any number of
counterparts and by different parties hereto in separate counterparts, each of
which when so executed and delivered (which may be by telecopier pursuant to
Section 14 below) shall be deemed to be an original and all of which
counterparts, taken together, shall constitute but one and the same instrument.

         10. SECTION REFERENCES. Section titles and references used in this
Second Amendment shall be without substantive meaning or content of any kind
whatsoever and are not a part of the agreements among the parties hereto
evidenced hereby.

         11. NO DEFAULT. To induce the Administrative Agent and the Banks to
enter into this Second Amendment and to continue to make advances pursuant to
the Credit Agreement, the Borrowers hereby acknowledge and agree that, as of the
date hereof, and after giving effect to the terms hereof, there exists (i) no
Default or Event of Default and (ii) no right of offset, defense, counterclaim,
claim or objection in favor of the Borrowers arising out of or with respect to
any of the Loans or other obligations of the Borrowers owed to the Banks under
the Credit Agreement.

         12. FURTHER ASSURANCES. The Borrowers agree to take such further
actions as the Administrative Agent shall reasonably request in connection
herewith to evidence the amendments herein contained to the Borrowers.

         13. GOVERNING LAW. This Second Amendment shall be governed by and
construed and interpreted in accordance with, the laws of the State of Georgia.

         14. CONDITIONS PRECEDENT. This Second Amendment shall become effective
only upon (i) execution hereof by the Administrative Agent; (ii) execution and
return to the Administrative Agent at the telecopier number set forth below of a
copy hereof by the Borrowers and the Banks; (iii) execution and return to the
Administrative Agent at the telecopier number set forth below of a copy of the
Consent and Reaffirmation of Guarantors at the end hereof and (iv) execution by
the Borrowers and delivery to the Administrative Agent or replacement Notes for
each Bank in the form attached hereto as Exhibits A-1 and A-2. Executed copies
hereof shall be sent by facsimile to counsel for the Administrative Agent,
Jones, Day, Reavis & Pogue, Attention: Christopher l. Carson, at Telecopier
number 404-581-8868, Confirmation number 404-581-8035.

                       [SIGNATURES CONTAINED ON NEXT PAGE]

                                       4
<PAGE>

         IN WITNESS WHEREOF, the Borrower, the Administrative Agent and each of
the Banks has caused this Second Amendment to be duly executed, under seal, by
its duly authorized officer as of the day and year first above written.

GABLES-TENNESSEE PROPERTIES (SEAL)

By: Gables Realty Limited Partnership,
    a general partner

By: Gables GP, Inc., its sole
    general partner

By: /s/ Marvin R. Banks, Jr.
   -------------------------------
    Marvin Banks, Jr.
    Sr. Vice President

WACHOVIA BANK, N.A.,
as Administrative Agent and as a Bank

By: /s/ Mary F. Hughes
   -------------------------------
    Name: Mary F. Hughes
         -------------------------
    Title: Vice President
          ------------------------

CHASE BANK OF TEXAS,
NATIONAL ASSOCIATION,
as Documentation Agent and as a Bank

By: /s/ Susan M. Tate
   -------------------------------
    Name: Susan M. Tate
         -------------------------
    Title: Vice President
          ------------------------

PNC BANK, NATIONAL ASSOCIATION,
as a Bank

By: /s/ Wayne P. Robertson
   ------------------------------------
    Name: Wayne P. Robertson
         ------------------------------
    Title: Vice President
          -----------------------------

GABLES REALTY LIMITED
PARTNERSHIP

By: Gables GP, Inc., its sole general
    partner

By: /s/ Marvin R. Banks, Jr.
   ------------------------------------
    Marvin Banks, Jr.
    Sr. Vice President

GUARANTY FEDERAL BANK, F.S.B.,
as a Bank

By: /s/ Randall S. Reid
   ------------------------------------
    Name: Randall S. Reid
         ------------------------------
    Title: Vice President
          -----------------------------

FIRST UNION NATIONAL BANK,
as Syndication Agent and as a Bank

By: /s/ Daniel J. Sullivan
   ------------------------------------
    Name: Daniel J. Sullivan
         ------------------------------
    Title: Director
          -----------------------------

AMSOUTH BANK OF ALABAMA,
as a Bank

By: /s/ J.R. Miller
   ------------------------------------
    Name: J.R. Miller
         ------------------------------
    Title: Vice President
          -----------------------------

                                       5
<PAGE>

COMMERZBANK AG, NEW YORK AND
GRAND CAYMAN BRANCHES, as a Bank

By: /s/ E. Marcus Perry
   ------------------------------------
    Name: E. Marcus Perry
         ------------------------------
    Title: Assistant Vice President
          -----------------------------

By: /s/ David Buettner
   ------------------------------------
    Name: David Buettner
         ------------------------------
    Title: Assistant Treasurer
          -----------------------------

                                       6
<PAGE>

                                                                     EXHIBIT A-1

                              SYNDICATED LOAN NOTE

                                Atlanta, Georgia

                                November 23, 1999

         For value received, GABLES REALTY LIMITED PARTNERSHIP, a Delaware
limited partnership and GABLES-TENNESSEE PROPERTIES, a Tennessee general
partnership (collectively, the "Borrower"), jointly and severally promise to
pay to the order of __________________________________________ (the "Bank"),
for the account of its Lending Office, the principal sum of
_______________________________ AND NO/100 DOLLARS ($_____ ), or such lesser
amount as shall equal the unpaid principal amount of each Syndicated Loan
made by the Bank to the Borrowers (or either of them) pursuant to the Credit
Agreement referred to below, on the dates and in the amounts provided in the
Credit Agreement. The Borrowers promise to pay interest on the unpaid
principal amount of this Syndicated Loan Note on the dates and at the rate or
rates provided for in the Credit Agreement. Interest on any overdue principal
of and, to the extent permitted by law, overdue interest on the principal
amount hereof shall bear interest at the Default Rate, as provided for in the
Credit Agreement. All such payments of principal and interest shall be made
in lawful money of the United States in Federal or other immediately
available funds at the office of Wachovia Bank, N.A., 191 Peachtree Street,
N.E., Atlanta, Georgia 30303-1757, or such other address as may be specified
from time to time pursuant to the Credit Agreement.

         All Loans made by the Bank, the respective maturities thereof, the
interest rates from time to time applicable thereto, and all repayments of the
principal thereof shall be recorded by the Bank and, prior to any transfer
hereof, endorsed by the Bank on the schedule attached hereto, or on a
continuation of such schedule attached to and made a part hereof; PROVIDED that
the failure of the Bank to make any such recordation or endorsement shall not
affect the obligations of the Borrowers hereunder or under the Credit Agreement.

         This Syndicated Loan Note is one of the Syndicated Loan Notes referred
to in the Amended and Restated Credit Agreement dated as of even date herewith
among Gables Realty Limited Partnership, the Banks listed on the signature pages
thereof and Wachovia Bank, N.A., as Administrative Agent, as amended by First
Amendment to Credit Agreement dated as of June 14, 1999 and Second Amendment to
Credit Agreement dated of even date herewith (which added Gables-Tennessee
Properties as a Borrower) (as the same may hereafter be amended and modified
from time to time, the "Credit Agreement"). Terms defined in the Credit
Agreement are used herein with the same meanings. Reference is made to the
Credit Agreement for provisions for the optional and mandatory prepayment and
the repayment hereof and the acceleration of the maturity hereof, as well as the
obligation of the Borrower to pay all costs of collection, including reasonable
attorneys fees, in the event this Syndicated Loan Note is collected by law or
through an attorney at law.

                                       7
<PAGE>

         The Borrowers hereby waive presentment, demand, protest, notice of
demand, protest and nonpayment and any other notice required by law relative
hereto, except to the extent as otherwise may be expressly provided for in the
Credit Agreement.

         IN WITNESS WHEREOF, each of the Borrowers has caused this Syndicated
Loan Note to be duly executed, under seal, by its duly authorized officer as of
the day and year first above written.

GABLES-TENNESSEE PROPERTIES (SEAL)             GABLES REALTY LIMITED
By:   Gables Realty Limited Partnership,       PARTNERSHIP            (SEAL)
      a general partner                        By:  Gables GP, Inc., its sole
                                                    general partner
      By:  Gables GP, Inc., its sole general
           partner

By:__________________________________          By:______________________________
     Marvin Banks, Jr.                             Marvin Banks, Jr.
     Vice President                                Vice President

                                       8
<PAGE>

                          Syndicated Loan Note (cont'd)

                   SYNDICATED LOANS AND PAYMENTS OF PRINCIPAL

            BASE RATE         AMOUNT     AMOUNT OF
          OR EURO-DOLLAR        OF       PRINCIPAL       MATURITY      NOTATION
DATE          LOAN             LOAN       REPAID            DATE        MADE BY

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                                       9
<PAGE>

                             MONEY MARKET LOAN NOTE

                             As of November 23, 1999

         For value received, GABLES REALTY LIMITED PARTNERSHIP, a Delaware
limited partnership and GABLES-TENNESSEE PROPERTIES, a Tennessee general
partnership (collectively, the "Borrower"), jointly and severally promises to
pay to the order of  _____________ , a _______________ (the "Bank"), for the
account of its Lending Office, the principal sum of ONE HUNDRED TWELVE
MILLION, FIVE HUNDRED THOUSAND AND NO/100 DOLLARS ($112,500,000), or such
lesser amount as shall equal the unpaid principal amount of each Money Market
Loan made by the Bank to the Borrower (or either of them) pursuant to the
Credit Agreement referred to below, on the dates and in the amounts provided
in the Credit Agreement. The Borrowers promise to pay interest on the unpaid
principal amount of this Money Market Loan Note on the dates and at the rate
or rates provided for in the Credit Agreement referred to below. Interest on
any overdue principal of and, to the extent permitted by law, overdue
interest on the principal amount hereof shall bear interest at the Default
Rate, as provided for in the Credit Agreement. All such payments of principal
and interest shall be made in lawful money of the United States in Federal or
other immediately available funds at the office of Wachovia Bank, N.A., 191
Peachtree Street, N.E., Atlanta, Georgia 30303-1757, or such other address as
may be specified from time to time pursuant to the Credit Agreement.

         All Money Market Loans made by the Bank, the respective maturities
thereof, the interest rates from time to time applicable thereto, and all
repayments of the principal thereof shall be recorded by the Bank and, prior to
any transfer hereof, endorsed by the Bank on the schedule attached hereto, or on
a continuation of such schedule attached to and made a part hereof; PROVIDED
that the failure of the Bank to make any such recordation or endorsement shall
not affect the obligations of the Borrower hereunder or under the Credit
Agreement.

         This Money Market Loan Note is one of the Money Market Loan Notes
referred to in the Amended and Restated Credit Agreement dated as of even date
herewith among Gables Realty Limited Partnership, the Banks listed on the
signature pages thereof and Wachovia Bank, N.A., as Administrative Agent, as
amended by First Amendment to Credit Agreement dated as of June 14, 1999 and
Second Amendment to Credit Agreement dated of even date herewith (which added
Gables-Tennessee Properties as a Borrower) (as the same may hereafter be amended
and modified from time to time, the "Credit Agreement"). Terms defined in the
Credit Agreement are used herein with the same meanings. Reference is made to
the Credit Agreement for provisions for the optional and mandatory prepayment
and the repayment hereof and the acceleration of the maturity hereof, as well as
the obligation of the Borrowers to pay all costs of collection, including
reasonable attorneys fees, in the event this Money Market Loan Note is collected
by law or through an attorney at law.

                                       10
<PAGE>

         The Borrowers hereby waive presentment, demand, protest, notice of
demand, protest and nonpayment and any other notice required by law relative
hereto, except to the extent as otherwise may be expressly provided for in the
Credit Agreement.

         IN WITNESS WHEREOF, each of the Borrowers has caused this Money Market
Loan Note to be duly executed, under seal, by its duly authorized officer as of
the day and year first above written.

GABLES-TENNESSEE PROPERTIES (SEAL)             GABLES REALTY LIMITED
By:  Gables Realty Limited Partnership,        PARTNERSHIP              (SEAL)
     a general partner                         By:  Gables GP, Inc., its sole
                                               general partner
By:  Gables GP, Inc., its sole general
      partner

By:___________________________________         By:_____________________________
     Marvin Banks, Jr.                              Marvin Banks, Jr.
     Vice President                                 Vice President

                                       11
<PAGE>

                         Money Market Loan Note (cont'd)

                  MONEY MARKET LOANS AND PAYMENTS OF PRINCIPAL

                            Amount      Amount of       Stated
            Interest         of         Principal       Maturity       Notation
 Date        Rate           Loan         Repaid           Date         Made By

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                                       12
<PAGE>

                     CONSENT AND REAFFIRMATION OF GUARANTORS

         Each of the undersigned (i) acknowledges receipt of the foregoing
Second Amendment to Credit Agreement (the "Second Amendment"), (ii) consents to
the execution and delivery of the Second Amendment by the parties thereto, the
release of Gables-TN as a Guarantor under the Guaranty and its addition as a
Borrower under the Credit Agreement and (iii) reaffirms all of its obligations
and covenants under the Guaranty Agreement dated as of May 13, 1998 executed by
it, and agrees that none of such obligations and covenants shall be affected by
the execution and delivery of the Second Amendment. This Consent and
Reaffirmation may be executed in any number of counterparts and by different
parties hereto in separate counterparts, each of which when so executed and
delivered shall be deemed to be an original and all of which counterparts, taken
together, shall constitute but one and the same instrument.

                                            GABLES GP, INC.              (SEAL)

                                            By: /s/ Marvin R. Banks, Jr.
                                               --------------------------------
                                               Title: Senior Vice President

                                            GABLES RESIDENTIAL TRUST     (SEAL)

                                           By: /s/ Marvin R. Banks, Jr.
                                               --------------------------------
                                               Title: Senior Vice President

                                       13<PAGE>

                                                                    EXHIBIT 10.9

                                MERGER AGREEMENT

         THIS MERGER AGREEMENT is made this _______________________, at
Indianapolis, Indiana by and among Aye-Net, L.L.C., an Indiana limited liability
company, (hereinafter referred to as "Private Entity"), J. Cleve Gatchel and
Eric A. Paul, individuals and controlling members of Private Entity (hereinafter
referred to as "Members"), and NetVision.com, Inc., a Delaware corporation
(hereinafter referred to as "NetVision ").

                                    RECITALS

          A.   Private Entity is an Indiana limited liability company, and
               presently owns and operates an Internet Service Provider ("ISP")
               business, operated from the locations, identified on SCHEDULE
               3.3.5

          B.   Both NetVision, through it's Board of Directors, and Private
               Entity, through its Members, J. Cleve Gatchel and Eric A. Paul,
               believe this Merger to be in the best interests of their
               respective business entities.

          C.   The entities shall merge together, with the new entity,
               (hereinafter "Merged Companies") and shall become known as
               NetVision.com, Inc. Private Entity shall cease to exist as a
               separate legal entity, but shall continue to exist as a part of
               the surviving entity.

          D.   The parties intend for the transactions contemplated by this
               Agreement to be accounted for as a pooling of interests in
               accordance with GAAP and that said transactions shall not be
               deemed a taxable event as defined by the Internal Revenue
               Service.

          E.   As promptly as practicable after the satisfaction or waiver of
               the conditions set forth in Section 8 hereof and the consummation
               of the Closing referred to in Section 9 hereof, the Parties shall
               cause the Merger to be consummated by filing a Certificate of
               Merger with the Secretary of State in accordance with, the
               relevant provisions of Delaware Law (the time of such filing
               being the "Effective Time").

          F.   Unless otherwise agreed by NetVision and Private Entity the
               Certificate of Incorporation of NetVision as the Surviving
               Corporation shall be the Certificate of Incorporation of
               NetVision as in effect immediately prior to the Effective Time,
               until thereafter amended as provided by law and such Certificate
               of Incorporation.

          G.   Unless otherwise agreed by NetVision and Private Entity the
               By-Laws of NetVision as the Surviving Corporation shall be the
               By-Laws of NetVision immediately prior to the Effective Time,
               until thereafter amended as provided by law and Certificate of
               Incorporation and the By-Laws of Such Surviving Corporation.

          H.   Unless otherwise agreed by NetVision and Private Entity the
               directors and officers of NetVision immediately prior to the
               Effective Time shall continue to serve in their respective
               offices of the Surviving Corporation from and after the Effective
               Time, in each case until their resignation or removal. If, at the
               Effective Time, a vacancy shall exist on the Board of Directors
               or in any office of the Surviving Corporation, such vacancy may
               thereafter be filled in the manner provided by law and the
               By-Laws of the Surviving Corporation.

         NOW, THEREFORE, in consideration of the mutual promises contained
herein, and other good and valuable consideration, the receipt, adequacy and
sufficiency of which are acknowledged, the parties agree as follows:

                             SECTION 1. DEFINITIONS

         As used in this Agreement, the terms identified below in this Section
will have the meanings indicated, unless a different and common meaning of the
term is clearly indicated by the context.

         1.1      Agreement - means this Merger Agreement together with the
                  Attachments.
         1.2      Attachments - means the Schedules and Exhibits referred to
                  herein and attached hereto.

                                       1
<PAGE>

         1.3      Authorization - means any Government consent, license, permit,
                  grant or other governmental authorization.
         1.4      Balance Sheet - means the most recent Balance Sheet available
                  for Private Entity, a copy of which is attached hereto and
                  marked SCHEDULE 1.4.
         1.5      Closing - means the Closing of the Transaction as described in
                  Section 9 of this Agreement.
         1.6      Closing Date - means the date and time as set forth in Section
                  9, or such other date and time as subsequently may be agreed
                  upon by the parties, in writing. Any reference herein to the
                  Closing Date for the purpose of establishing a point in time,
                  or calculating a period of time, means 11:59 p.m., local time
                  on the Closing Date.
         1.7      Contract - means any voluntarily entered written or oral
                  agreement or commitment that is legally binding on any person
                  or entity under applicable law.
         1.8      Court Order - means any judgment, decree, injunction or order
                  of any federal, state, local or foreign court that is binding
                  on any person or entity or its property under applicable law.
         1.9      Cumulative Diminutive Errors - Means the combined total of all
                  diminutive errors made within this agreement.
         1.10     Diminutive Error - Means any mistake, misrepresentation,
                  failure to disclose, or other error, which has a net dollar
                  value of less than Five Hundred Dollars. ($500.00)
         1.11     Effective Date - means the date first above written unless
                  otherwise agreed to in writing by the Parties.
         1.12     Entity - means a corporation, partnership, sole
                  proprietorship, limited liability company, joint venture or
                  other form of organization whether formed for the conduct of a
                  business or profit seeking activity, active or passive, or not
                  for profit.
         1.13     Financial Statements - means the Balance Sheet, as defined in
                  Section 1.4, the Statement of Income and Expenses, as defined
                  in Section 1.19, and Cash Flow Statements, when referred to
                  collectively.
         1.14     Intellectual Property - means any trade names, trademarks,
                  service marks, copyrights and work of authorship, and all
                  registrations and applications for the foregoing, and all
                  licenses or license rights related to or based upon the
                  foregoing, software licenses and know-how licenses, trade
                  secrets, fictitious names, assumed names, all industrial
                  models and all United States and foreign patent rights covered
                  by, disclosed in or otherwise related thereto and all
                  registrations and applications therefor and all reissues,
                  divisions, continuations-in-part, re-examinations and
                  extensions thereof, together with the right to sue for past
                  infringement and improper, unlawful or unfair use of any of
                  the foregoing.
         1.15     Merged Assets - means the assets to be merged and transferred
                  by Private Entity to NetVision in accordance with this
                  Agreement as more specifically described in Section 3.3
         1.16     Parties - means NetVision.Com, Inc., Private Entity, and
                  Principal Members.
         1.17     Private Entity - means Aye.Net, L.L.C., an Indiana Limited
                  Liability Company.
         1.18     Private Entity 's Business - means the existing business
                  operations (including without limitation, the goodwill and
                  going concern value), labor relations, customer and supplier
                  relations, and products, if any, or services, if any, of
                  Private Entity, and the name Private Entity, or any derivative
                  thereof.
         1.19     Statement of Income and Expenses - means the most recent
                  Statement of Income and Expenses available for Private Entity,
                  a copy of which is attached hereto and marked SCHEDULE 1.19.
         1.20     NetVision - means NetVision .com, Inc., a Delaware
                  Corporation.
         1.21     Transaction - means the transaction contemplated by the
                  Agreement, and the related Attachments.
         1.22     Year-End Balance Sheets - means the Balance Sheet for the year
                  ended December 31, 1998.
         1.23     Year-End Statements of Income and Expenses - means the
                  Statements of Income and Expenses of Private Entity for the
                  year ended December 31, 1998.
         1.24     Year-End Financial Statements - means the Year-End Balance
                  Sheets, and the Year-End Statement of Income and Expenses.

                             SECTION 2 - THE MERGER

         2.1      Adoption of Plan of Merger. Both parties have taken all
                  requisite corporate action prior to the date hereof for the
                  purposes of adopting and approving this Agreement pursuant to
                  Delaware and

                                       2

<PAGE>

                  Indiana law. Upon execution of this Agreement, NetVision and
                  Private Entity shall cause Articles of Merger pursuant to this
                  Agreement to be filed with the Secretary of State of Delaware
                  and Indiana, and shall cause to be filed such certificates,
                  documents or instruments as are required to be filed in such
                  States, any other State required, in order to effectuate the
                  transactions contemplated by this Agreement.

         2.2      General. Private Entity shall be merged with and into
                  NetVision effective as of the date of closing as set forth
                  below and the separate corporate existence of Private Entity
                  shall thereupon cease. The Articles of Incorporation and Code
                  of Regulations of NetVision as in effect on the Closing Date
                  shall remain in full force and effect. The Merger
                  Consideration shall be payable on the date of Closing as set
                  forth below in Section 3.

         2.3      Conversion of Private Entity Shares. The Private Entity Shares
                  shall be exchanged with NetVision Shares as a result of the
                  Merger of the two entities. NetVision shall deliver to each
                  Member at the Closing and/or within a reasonable time
                  thereafter, a share certificate evidencing ownership of
                  NetVision Shares, as set forth in the table below, upon
                  surrender to NetVision of the share certificate or
                  certificates representing such Member's ownership of Private
                  Entity Shares duly endorsed for transfer or accompanied by
                  properly executed stock powers.

         2.4      Employee Stock Ownership Plans. For all purposes of this
                  Agreement, unless otherwise specified, all shares held by
                  employee stock ownership plans of Private Entity shall be
                  deemed to be issued and outstanding, shall not be deemed to be
                  held in the treasury of Private Entity and shall be converted
                  into shares of NetVision Common Stock in accordance with this
                  Agreement.

                      SECTION 3 - SPECIFIC TERMS OF MERGER

         3.1      Merger Consideration by NetVision. To effectuate this Merger,
                  NetVision will transfer to the Members of Private Entity the
                  following Consideration, to be divided by and between the
                  Members of Private entity as they agree. The total Merger
                  consideration shall be paid in cash and stock, with ten
                  percent (10%) of the consideration transferred in cash, and
                  ninety percent (90%) in stock. The specific amounts are:

                  3.1.1    Two hundred twenty two thousand three hundred and
                           eighteen (222,318) shares of NetVision common stock
                           as evidenced by the issuance of a stock certificate
                           for said number of shares. Each share is valued at
                           $5.00 for the purpose of this valuation. Said stock
                           certificate shall be tendered at the Closing, as set
                           forth in the Conditions Precedent set forth below in
                           Section 8.

                  3.1.2    One hundred twenty three thousand five hundred and
                           ten dollars ($123,510). Said amount shall be
                           transferred via certified check and tendered at the
                           Closing, as set forth in the Conditions Precedent set
                           forth below in Section 8.

                  3.1.3    Assumption of Liabilities. The assumption of Private
                           Entity 's liabilities as described in SECTION 4, as
                           approved by NetVision and as set forth in SCHEDULE
                           4.2 AND 4.3. The liabilities as set forth in those
                           schedules (hereinafter "Liability Schedules") shall
                           be assumed by NetVision and paid in the normal course
                           of business.

                  3.1.4    True-up Amount. An additional amount paid in stock
                           and cash via certified check and stock certificate
                           tendered at the closing, in an amount equal to four
                           hundred dollars ($400) for each bona-fide Private
                           Entity internet subscriber in excess of the minimum
                           number of subscribers set forth in Section 8,
                           specifically 2,300, as verified by the auditors
                           during the due diligence process, and as measured on
                           a date no less than 30 days prior to close as
                           determined in Section 9. Said amount shall increase
                           the total Merger Consideration and shall be paid at
                           the rate ten percent (10%) cash and ninety percent
                           (90%) stock.

         3.2      Transfer of Stock by Private Entity. To effectuate this
                  Merger, the Members of Private Entity

                                       3

<PAGE>

               shall cause the transfer of all Private Entity shares to
               NetVision. The Share certificate or certificates representing
               such Member's ownership of Private Entity Shares shall be duly
               endorsed for transfer or accompanied by properly executed stock
               powers.

          3.3  Transfer of Assets by Private Entity. Included in the transfer of
               all Shares of Stock to NetVision, Private Entity shall turn over,
               surrender, and transfer, any and all assets currently held by
               Private Entity. This specification of assets in no way affects
               the validity of the Merger Agreement, nor does it limit the
               transfer of all assets of Private Entity in any way, nor does it
               convert this Agreement to an Asset Purchase Agreement. The items
               set forth below are for the mutual protection of the parties, and
               are intended only as a guide to the assets to be transferred.
               This agreement contemplates the transfer of all assets of Private
               Entity, whether specifically set forth below or not. This
               agreement does not contemplate the transfer of any personal
               assets of Member, as set forth on SCHEDULE 3.3. Any assets used
               in the business, not specified on SCHEDULE 3.3, shall be
               transferred to NetVision herewith.

                  3.3.1    All of the Accounts Receivable of Private Entity , as
                           of the Closing Date;

                  3.3.2    All inventory of Private Entity;

                  3.3.3    All rights to prepaid expenses, as of the Closing
                           Date;

                  3.3.4    The motor vehicles described in SCHEDULE 3.3.4;

                  3.3.5    The real property owned by Private Entity; all other
                           fixed assets owned by Private Entity and used in
                           connection with the conduct of Private Entity 's
                           business; all right, title and interest in and to all
                           of Private Entity 's Contracts, including but not
                           limited to all Private Entity's rights to any
                           leasehold interest or improvements. SCHEDULE 3.3.5
                           sets forth without limitation the real property owned
                           by or used in the course of Private Entity's
                           business.

                  3.3.6    Any and all of the Customers of Private Entity, as
                           reflected by SCHEDULE 3.3.6. Said Schedule is not
                           intended to be an exhaustive list, rather a guide for
                           the benefit of the parties. Nothing in this Section,
                           this contract, nor any attachment, restricts the
                           transfer of all current, past and prospective
                           customers or clients of Private Entity.

                  3.3.7    All manuals, charts, instruction of application,
                           files and records, signs, customer and
                           marketing-data, engineering data, plans and
                           blueprints as are used in connection with Private
                           Entity 's Business, and all documents, papers and
                           records pertaining to employees, customers and
                           vendors in connection with Private Entity 's
                           Business, including accounts receivable and trade
                           payable records; provided, however, that Private
                           Entity may retain all corporate records and minute
                           books, all original books of account and accounting
                           data maintained by Private Entity for financial
                           reporting and tax reporting purpose;

                  3.3.8    All Intellectual Property of Private Entity used in
                           connection with Private Entity's business, and
                           including all rights Private Entity has to its
                           know-how, trade secrets, processes, technology,
                           discoveries, patented or unpatented inventions and
                           designs, formulae and procedures and other
                           intellectual property, including, but not limited to,
                           documentation relating to any of the foregoing, all
                           shop rights and the right to sue for past
                           infringement or improper, unlawful or unfair use or
                           disclosure thereof and the right to apply for patent,
                           design or similar protection therefore any where in
                           the world;

                  3.3.9    All assignable authorizations relating to or utilized
                           in connection with Private Entity's Business,
                           including without limitation, stationery and other
                           office supplies;

                  3.3.10   All Private Entity's interest in and to all
                           telephone, fax and telex numbers, post office

                                       4
<PAGE>

                           box numbers and all listings pertaining to Private
                           Entity's Business in all telephone books and
                           directories, stationery, forms, labels, shipping
                           material, catalogs, brochures, art work, photographs
                           and advertising and promotional materials. The
                           telephone, fax, telex numbers and post office box
                           numbers being identified in attached SCHEDULE 3.3.10;

                  3.3.11   Rights in, to and under third-party manufacturers'
                           warranties;

                  3.3.12   Claims as to which Private Entity is a judgment
                           creditor;

                  3.3.13   The goodwill and going concern of value of Private
                           Entity's Business;

                  3.3.14   All cash, bank deposits, and marketable securities.

                  3.3.15   The name "Aye-Net, L.L.C.", or any derivative
                           thereof, including but not limited to Aye-Net or
                           Aye.Net.

                  3.3.16   Any and all Internet registered web sites, Internet
                           addresses, domain names, e-mail registrations,
                           web-site registrations, or any other internet related
                           registration or technology asset used in the
                           business, including but not limited to any such items
                           registered with Internic, in which Private Entity
                           holds any proprietary or leasehold interest.

            SECTION 4. REPRESENTATIONS AND WARRANTIES OF THE MEMBERS

         4.1      Representations of Each Member. Each Member represents and
                  warrants to NetVision as follows:

                  4.1.1    Title. Each Member owns beneficially and of record,
                           and has full power and authority to vote and
                           transfer, free and clear of any claims, liens or
                           encumbrances, the Private Entity Shares shown below.
                           The Private Entity Shares are owned in the following
                           numbers and percentages by the below listed Members,
                           and collectively constitute all of the Private Entity
                           Shares owned by such Member.

<TABLE>
<CAPTION>

                   Member             Number of Shares Owned          Percent of Ownership

                  <S>                 <C>                             <C>
                  J. Cleve Gatchel
                  Eric Paul
</TABLE>

                  4.1.2    Authority. Such Member has the full legal right,
                           power and authority to enter into, execute and
                           deliver this Agreement and to perform such Member's
                           obligations hereunder.

                  4.1.3    This Agreement has been duly executed and delivered
                           by such Member and is the valid and binding
                           obligation of such Member enforceable in accordance
                           with its terms.

                  4.1.4    The execution and delivery of this Agreement and the
                           consummation by such Member of the transactions
                           contemplated by this Agreement will not:

                           4.1.4.1  require the further approval or consent of
                                    any federal, state, county or local court or
                                    other governmental or regulatory body of the
                                    approval or consent of any other person; or

                           4.1.4.2  conflict with or result in a breach or
                                    violation of any of the terms and conditions
                                    of, or constitute (with notice, lapse of
                                    time or both) a default under or a violation
                                    of, any statute, regulation, order, judgment
                                    or decree applicable to any such Member or
                                    any instrument, contract or other agreement,
                                    including, but not limited to, Covenant not
                                    to Compete, Stock Lien, mortgage lien,
                                    assignment contract, or any other contract
                                    to which such Member is a party.

                                       5
<PAGE>

         4.2      Private Entity Liabilities. SCHEDULE 4.2 sets forth those
                  certain liabilities, which NetVision has agreed to assume.
                  These liabilities are categorized as liabilities not incurred
                  in the normal course of business and include, but are not
                  limited by, all obligations due from Private Entity to its
                  past and present Members, any debt incurred to raise capital
                  financing, current and past litigation claims, and any other
                  debt not incurred in the Ordinary Course of Business. There
                  are no additional debts of Private Entity not incurred in the
                  Normal Course of Business. The payment of the SCHEDULE 4.2
                  liabilities will become the obligation of NetVision from and
                  after the Merger Date and shall be paid in the ordinary course
                  of business.

         4.3      Private Entity Liabilities incurred in the normal course of
                  business. SCHEDULE 4.3 will set forth as of the Merger Date
                  those other obligations of Private Entity incurred in the
                  ordinary course of business and which remain due and owing as
                  of the Merger Date. Where exact amounts of these liabilities
                  cannot be determined on the Merger Date, Private Entity shall
                  indicate the estimated amount due and owing. The payment of
                  the SCHEDULE 4.3 liabilities will become the obligation of
                  NetVision from and after the Merger Date and shall be paid in
                  the ordinary course of business.

         4.4      NetVision Review and Acceptance. The closing of this
                  transaction is contingent upon NetVision's review and
                  acceptance of the liabilities set forth in SCHEDULES 4.2 and
                  4.3, (collectively "the Liability Schedules") provided
                  however, that NetVision's acceptance of said Schedules shall
                  not in any manner modify, limit, or invalidate the
                  representations and warranties of Private Entity and the
                  Member as contained in the Agreement, including but not
                  limited to the representations, warranties and indemnification
                  specifically pertaining to the accuracy of the liabilities
                  listed in the Liability Schedules. No action, or inaction by
                  NetVision, or any other party, including, but not limited to,
                  Private Entity or Member, nor any provision in this contract,
                  or any other contract, writing, agreement, oral or otherwise,
                  shall in any manner modify, limit, or invalidate the
                  representations, warranties and indemnification by Private
                  Entity and the Member with respect to the Liability Schedules.

         4.5      Tax Payments and Returns. Such Member and Private Entity has
                  filed all tax reports and returns required to be filed through
                  the date of this Agreement and has paid all taxes and other
                  related charges (including interest and penalties) due or
                  claimed to be due from such Member or Private Entity, by
                  federal, state, local or foreign taxing authorities, except as
                  where indicated on SCHEDULE 4.5. Said Member has no actual
                  knowledge, nor any reason to know, that any taxing authority
                  has audited any portion of such Member or Private Entity 's
                  tax return, and has no actual knowledge, nor any reason to
                  know, that there are any notices of audit, pending questions
                  relating to, or claims asserted for, taxes or assessment
                  received by or made against such Members.

         4.6      Restricted Shares. Such Member acknowledges, understands and
                  agrees

                  4.6.3    The NetVision Shares set forth as consideration in
                           Section 3 have not been registered with the
                           Securities and Exchange Commission (the "SEC") under
                           the Securities Act of 1933, as amended (the
                           "Securities Act") and have not been registered under
                           any state securities law. The NetVision Shares may
                           not be resold or redistributed without registration
                           under the Securities Act and any applicable state
                           securities laws, unless an applicable exemption from
                           such registration is available.

                  4.6.4    The NetVision Shares being acquired by such Member
                           under this Agreement, are being acquired for such
                           Member's own account, for investment purposes, not
                           for the interest of any other person, firm or entity,
                           and not with a view to or present intention of
                           reselling or distributing all or any portion of, or
                           interest in, the NetVision Shares.

                  4.6.5    Such Member does not have any right to compel
                           NetVision to register the NetVision Shares under the
                           Securities Act or any state securities law and such
                           Member acknowledges that NetVision has no present
                           intention of registering the NetVision shares, unless
                           as specified in a Registration Rights Agreement, and
                           then only to the extent contained therein, and in the
                           form attached hereto.

                                       6
<PAGE>
                  4.6.6    Such Member has such knowledge and experience in
                           financial and business matters that he is capable by
                           himself of evaluating the merits and risks of his
                           investment in the NetVision Shares and of making an
                           informed investment decision.

                  4.6.7    Such Member is aware of the tax consequences of
                           owning NetVision Shares and of this transaction in
                           general.

                  4.6.8    The certificates evidencing the NetVision Shares
                           shall bear the following legend:

                           THE SHARES REPRESENTED BY THIS STOCK CERTIFIED HAVE
                           NOT BEEN REGISTERED UNDER ANY STATE SECURITIES ACT
                           (THE "STATE ACTS") OR THE SECURITIES ACT OF 1933, AS
                           AMENDED (THE "SECURITIES ACT"). THE SHARES CANNOT BE
                           SOLD OR OTHERWISE DISPOSED OF WITHOUT EITHER
                           REGISTRATION OR AN EXEMPTION FROM REGISTRATION. THESE
                           SHARES ARE RESTRICTED PURSUANT TO A MERGER AGREEMENT
                           EXECUTED ON OR ABOUT OCTOBER 25TH, 1999. FURTHER, THE
                           CORPORATION IS UNDER NO OBLIGATION TO REGISTER THE
                           SHARES UNDER THE STATE ACTS OR THE SECURITIES ACT.

 SECTION 5 - JOINT AND SEVERAL REPRESENTATIONS OF THE MEMBER AND PRIVATE ENTITY

                  Each Member and Private Entity, jointly and severally,
                  represents and warrants to NetVision as follows:

         5.1      Organization and Qualification; Capitalization. Private Entity
                  is an Indiana corporation duly organized, validly existing and
                  in good standing under the laws of the State of Indiana.
                  Private Entity has the full corporate power to carry on its
                  business as is now being conducted.

         5.2      The authorized capital stock and the number of shares of
                  capital stock issued and outstanding for Private Entity is as
                  follows:

                      Authorized Capital Stock ______________.
                      Issued Shares __________________.
                      Outstanding Shares _________________.

         5.3      Authority. Private Entity has the full legal right, power, and
                  authority to enter into, execute and deliver this Agreement
                  and to perform fully its obligations hereunder.

         5.4      This Agreement has been duly executed and delivered by Private
                  Entity and is the valid and binding obligation of Private
                  Entity enforceable against Private Entity in accordance with
                  its terms.

         5.5      The Board of Directors of Private Entity and the Members have
                  approved, and no other corporate proceedings are necessary to
                  authorize, this Agreement and the consummation of the
                  transactions contemplated by this Agreement.

         5.6      The execution and delivery of this Agreement and the
                  consummation by Private Entity of the transactions
                  contemplated hereby will not:

                  5.6.1    conflict with, result in a breach of, or constitute
                           or result in a default under any of the terms,
                           conditions or provisions of the Articles of
                           Incorporation (or Certificate of Incorporation), Code
                           of Regulations (or by-laws) or other governing
                           instruments of Private Entity;

                  5.6.2    require the further approval or consent of any
                           federal, state, county or local court or other
                           governmental or regulatory body, or the approval or
                           consent of any other person; or

                  5.6.3    conflict with or result in any breach or violation of
                           any of the terms and conditions of, or constitute a
                           default (with notice, lapse of time or both) under,
                           or a violation of, any

                                       7
<PAGE>

                           statute, regulation, order, judgment or decree
                           applicable to Private Entity or any instrument,
                           contract or other agreement to which Private Entity
                           is a party or to which Private Entity is bound or
                           subject, including without limitation the contracts
                           identified in Sections 5.10 and 5.26 below.

         5.7      Financial Statements/Dividends/Distributions. The balance
                  sheets of Private Entity as defined in Section 1.4, and
                  evidenced by SCHEDULE 1.4, and the related statements of
                  income and expenses as defined by Section 1.19, and evidenced
                  by SCHEDULE 1.19, previously delivered to NetVision
                  (Collectively the "Financial Statements") fairly, accurately
                  and completely represent the financial position of Private
                  Entity on the date of execution of this document, and the
                  results of operations and cash flows for Private Entity for
                  the years then ended.

         5.8      No dividends or other distributions have been made by Private
                  Entity to their respective Members since January 1, 1999,
                  except for salaries and commissions in the ordinary course of
                  business, or as set forth in SCHEDULE 5.8.

         5.9      Ownership of Operating Assets. Private Entity has good and
                  marketable title to, or holds a valid lease to, (the
                  "Operating Leases"), all of its office equipment, furniture,
                  motor vehicles and other tangible personal property
                  (collectively, the "Operating Assets") owned or used by it in
                  its business, free and clear of all restrictions, liens,
                  claims and other encumbrances except as set forth in SCHEDULE
                  5.9

         5.10     Contracts and Leases. SCHEDULE 5.10 sets forth the contracts
                  and leases (including office lease) material to the operation
                  of Private Entity and which have been previously delivered to
                  NetVision, are valid, binding upon the parties thereto, in
                  full force and effect and, except as indicated below, have not
                  been amended or modified. Private Entity and Members will
                  cooperate in having the contracts and leases set forth on
                  SCHEDULE 5.10 assigned to NetVision if requested by NetVision.
                  Private Entity and NetVision acknowledge that a separate
                  Agreement reflecting the assignment of the Contracts and
                  Leases is not required as a result of the merger of Private
                  Entity into NetVision.

         5.11     Intellectual Property Rights. To the best of the Member's
                  knowledge Private Entity owns, or holds adequate licenses to,
                  the intellectual property used in its business, including,
                  without limitation, trademarks, service marks, copyrights,
                  patents, and computer software and data bases, free and clear
                  of all restrictions, liens, claims and other encumbrances, and
                  such use does not and will not conflict with, infringe on, or
                  otherwise violate any rights of others.

         5.12     Member Benefits. The Member benefits programs set forth in
                  SCHEDULE 5.12 constitute the only Member benefit programs in
                  effect for Private Entity prior to the date of this Agreement.

         5.13     Employee Benefit Programs. The Employee Benefit programs set
                  forth in SCHEDULE 5.13 constitute the only Employee benefit
                  programs in effect for Private Entity prior to the date of the
                  Agreement.

         5.14     Insurance. Private Entity has in place and in full force and
                  effect, hazard and liability insurance policies with coverage
                  amounts and deductibles as set forth in SCHEDULE 5.14.

         5.15     Insurance Coverage. The Member and Private Entity shall take
                  all action necessary to maintain, in the name and for the
                  benefit of NetVision, all insurance policies of Private
                  Entity.

         5.16     Bank Accounts. The Members and Private Entity shall take all
                  action necessary to maintain the bank accounts, lock boxes and
                  other depositories of Private Entity, and shall cause them to
                  be identified under NetVision's Federal Tax Identification
                  Number.

         5.17     Permits, Licenses and Compliance with Laws. For this Section,
                  Member and Private Entity represent and warrant that they have
                  no actual knowledge, nor any reason to know of any violations,
                  and to the best of their knowledge:

                                       8
<PAGE>

                  5.17.1   Private Entity maintains in full force and effect,
                           all permits, licenses and approvals from federal,
                           state, local and foreign governmental and regulatory
                           bodies required in order to carry on its business.

                  5.17.2   Private Entity is in compliance in all material
                           respects with all federal, state and local laws,
                           ordinances, codes, regulations, orders, requirements,
                           standards and procedures which are applicable to its
                           business.

                  5.17.3   Neither Private Entity nor any officer, director or
                           agent of Private Entity has been convicted of,
                           charged with, or to the knowledge of Private Entity
                           or the Members, investigated for a violation of
                           federal or state law related to fraud, theft,
                           embezzlement, breach of fiduciary responsibility, or
                           financial misconduct, including but not limited any
                           violation of the Securities Act, or State Securities
                           Law; or has been subject to any order or consent
                           decree of, or criminal or civil fine or penalty
                           imposed by, any court of governmental agency.

         5.18     Litigation. Except as set forth in SCHEDULE 5.18, (the
                  "Litigation Schedule") there are no claims, complaints, suits,
                  actions and judicial, regulatory, arbitration or governmental
                  actions, proceedings or investigations pending, or to the
                  knowledge of the Members or Private Entity threatened, or
                  anticipated, including actions known, or actions that Member
                  or Private Entity have reason to know, against Private Entity,
                  or any of their respective officers, directors or agents.

         5.19     Tax Payments and Returns. Private Entity has delivered to
                  NetVision true and complete copies of its federal, state and
                  local income tax returns for its tax year ended December 31,
                  1998. Private Entity has filed all tax reports and returns
                  required to be filed by it through the date of this Agreement
                  and has paid all taxes and other related charges (including
                  interest and penalties) due or claimed to be due from it by
                  foreign, federal, state or local taxing authorities. To the
                  best of Member's knowledge, no taxing authority has audited
                  any portion or a tax return relating to any Member or Private
                  Entity, and there are no notices of audit, pending questions
                  relating to, or claims asserted for, taxes or assessments
                  received by or made against any Private Entity.

         5.20     Company Documents and Minute Books; Officers and Directors.
                  The minutes of company proceedings, stock transfer records,
                  Articles of Organization (or Certificate of Organization) and
                  Code of Regulations (or by-laws) of Private Entity have been
                  delivered to NetVision and are correct and complete,
                  accurately reflect all actions and proceedings of the Members
                  and Board of Directors of Private Entity to date.

         5.21     Brokers/Fees. Negotiations related to this Agreement and the
                  transactions contemplated hereby have been carried on by the
                  Members and Private Entity, and no brokerage or finders' fees
                  are payable by any Member or Private Entity to any other party
                  in connection with this Agreement or the transactions
                  contemplated hereby.

         5.22     Adverse Changes. Since January 1, 1999, Private Entity has not
                  suffered any adverse changes in its financial condition,
                  assets, liabilities or business or any damage, destruction or
                  loss to its assets, whether or not covered by insurance.

         5.23     Operations in the Ordinary Course. Since January 1, 1999,
                  Private Entity has been operated only in the normal and
                  ordinary course, and has not:

                  5.23.1   Issued or committed to issue any capital stock or
                           other ownership interest therein, other than shown on
                           SCHEDULE 5.24.1.

                  5.23.2   granted or committed to grant any options, warrants,
                           convertible securities or other rights to subscribe
                           for, purchase or otherwise acquire any shares of its
                           capital stock or other ownership interest therein;

                  5.23.3   entered into any material agreement to make capital
                           expenditures, except as noted on SCHEDULE 5.24.3;

                  5.23.4   entered into any agreement relating to the borrowing
                           of money or other contract for

                                       9
<PAGE>

                           indebtedness, or the guarantee of any obligation for
                           the borrowing of money;

                  5.23.5   entered into any material real or personal property
                           lease except as noted on SCHEDULE 5.24.5; or

                  5.23.6   entered into, modified, or canceled any other
                           agreement, contract or commitment which is not
                           terminable at will.

         5.24     Third Party Consents. The Members and Private Entity have
                  obtained and delivered to NetVision the consent or approval of
                  each third party whose consent or approval is required or
                  deemed necessary by NetVision for the consummation of the
                  transactions contemplated by this Agreement.

         5.25     Transactions with Related Parties. Except for the employment
                  of the Members, and the proposed real estate lease with
                  Windsor Corporation, the summary terms of which is set forth
                  in EXHIBIT D, there are no contracts, leases, loans,
                  commitments, transactions, arrangements or other
                  understandings, oral or written, between Private Entity and
                  any Related Party. For purposes of this Section, the term
                  "Related Party" means (a) any Member, (b) the spouse, lineal
                  descendant or other family member of a Member, (c) any
                  corporation, partnership, trust, limited liability company, or
                  other entity controlled by, or under common control with a
                  Member, (d) any officer, director or Member of Private Entity,
                  and (e) any person who is a member, partner or Member in any
                  relationship or similar form of business association with any
                  person or entity referred to above.

         5.26     Disclosure. To the best knowledge of the Members and to the
                  best knowledge of Private Entity, no representation or
                  warranty by the Members or Private Entity, or any document,
                  written statement or certificate furnished to NetVision
                  pursuant to this Agreement, contains any untrue statement of
                  material fact or omits to state a fact necessary in order to
                  make the statements contained herein or therein not
                  misleading.

         5.27     Accuracy of Liability Schedules. The LIABILITY SCHEDULES
                  accurately reflect all obligations of Private Entity, which
                  were not incurred in the "ordinary course of business." For
                  purpose of this representation obligations owed by Private
                  Entity whether contingent, fixed, liquidated or unliquidated,
                  including but not limited to obligations owed to Member or
                  Member loans; pending or threatened litigation claims;
                  obligation to repurchase shares of stock form former Members
                  shall be considered obligations of Private Entity not incurred
                  in the "Ordinary course of business". The obligations and
                  amounts set forth on THE LIABILITY SCHEDULES are true and
                  correct.

         5.28     Payment of Liability SCHEDULE Indebtedness. NetVision agrees
                  to assume any and all liabilities as listed on THE LIABILITY
                  SCHEDULES . Any liabilities not listed on said SCHEDULES shall
                  remain the sole and absolute responsibility of the Member, and
                  shall be paid by the Member within thirty (30) days after
                  NetVision is notified, or otherwise becomes aware, of any such
                  liability or claim

         5.29     Diminutive Errors. Notwithstanding the above Representations
                  and Warranties, Private Entity and the Member shall bear no
                  liability for Diminutive errors, as defined in Section 1.22,
                  so long as the Cumulative Diminutive Errors shall not exceed
                  Two Thousand Dollars ($2,000).

         5.30     Articles of Merger. The preparation and acceptance of Articles
                  of Merger is a Condition Precedent to the Closing of this
                  Agreement. Both parties represent and warrant that they will
                  cooperate with the other party in full and that they will not
                  take any action to hinder, delay, or prevent, the filing of
                  the Articles of Merger with the Secretary of State in both the
                  States of Delaware and Indiana.

             SECTION 6 - REPRESENTATIONS AND WARRANTIES OF NETVISION

         6.1      Organization and Good Standing. NetVision is a corporation
                  duly organized, validly existing and in good standing under
                  the laws of the State of Delaware, registered to conduct
                  business in, among other States, the State of Indiana.
                  NetVision has full corporate power to carry on its business as
                  it is now being conducted.

                                        10
<PAGE>

         6.2      Authority. NetVision has the full legal right, power and
                  authority to enter into, execute and deliver this agreement,
                  and to perform its obligations under this agreement. This
                  agreement has been duly executed and delivered by authorized
                  officers of NetVision and is the valid and binding obligation
                  of NetVision, enforceable in accordance with its terms. The
                  execution and delivery of this agreement and the consummation
                  by NetVision of the transactions contemplated will not:

                  6.2.1    Conflict with, result in a breach of, or constitute
                           or result in a default under any of the terms,
                           conditions or provisions of the Certificate of
                           Incorporation, Articles of Incorporation, By-laws or
                           Code of Regulations, or other governing documents of
                           NetVision.

                  6.2.2    Require the further approval or consent of any
                           federal, state, county or local court, or other
                           Government or regulatory body or the approval or
                           consent of any other person.

                  6.2.3    Conflict with or result in a breach or violation of
                           any of the terms and conditions of, or constitute
                           (with notice, lapse of time, or both) a default under
                           or a violation of, any statute, regulation, order,
                           judgment or decree applicable to NetVision, or any
                           instrument, contract or other agreement to which
                           NetVision is a party.

         6.3      Brokers / Fees. Negotiations related to this agreement and the
                  transactions contemplated hereby have been carried on by
                  NetVision and no brokerage or finders' fees are payable by
                  NetVision to any other party in connection with this agreement
                  or the Transactions contemplated hereby.

         6.4      Payment of Liability Schedule Indebtedness. NetVision agrees
                  to assume any and all liabilities as listed on the Liability
                  Schedules, or more specifically, SCHEDULES 4.2 AND 4.3. Any
                  liabilities not listed on said Schedules shall remain the sole
                  and absolute responsibility of the Member, and shall be paid
                  by the Member within thirty (30) days after NetVision is
                  notified, or otherwise becomes aware, of any such liability or
                  claim. With regard to any liability listed on said LIABILITY
                  SCHEDULES, where Member has personally guaranteed the same,
                  NetVision agrees to indemnify and hold harmless the Member to
                  the extent of the corporate debt.

         6.5      Articles of Merger. The preparation and acceptance of Articles
                  of Merger is a Condition Precedent to the Closing of this
                  Agreement. Both parties represent and warrant that they will
                  cooperate with the other party in full and that they will not
                  take any action to hinder, delay, or prevent, the filing of
                  the Articles of Merger with the Secretary of State in both the
                  States of Delaware and Indiana.

                            SECTION 7- MISCELLANEOUS

         7.1      Further Acts. The parties agree to perform any further acts
                  and to execute and deliver any other documents, which may be
                  reasonably necessary to carry out the intent and provisions of
                  this Agreement.

         7.2      Assignment. Without the consent of Private Entity, NetVision
                  may assign all or any part of this Agreement and all or any
                  part of its rights and obligations hereunder to an affiliate
                  of NetVision.

         7.3      Headings. The clause headings appearing in this Agreement have
                  been inserted for the purpose of convenience and reference.
                  They do not purport to, and will not be deemed to, define,
                  limit or extend the scope or intent of the clauses to which
                  they apply, and they will not be considered in construing the
                  terms of this Agreement.

         7.4      Investigation Will Not Constitute A Waiver. No investigation,
                  or lack thereof, by NetVision, or any of its agents, will be
                  deemed to constitute or imply a waiver of any rights of
                  NetVision may have, including any right to indemnification as
                  the result of any material misrepresentation, or breach of
                  warranty, or covenant in favor of NetVision as otherwise
                  provided in this Agreement.

                                       11
<PAGE>

         7.5      Counterparts. This Agreement may be executed in several
                  counterparts, each of which when so executed will be deemed to
                  be an original for all purposes.

         7.6      Partial Invalidity. If any provision of this Agreement is
                  invalid or is held illegal or unenforceable, then
                  notwithstanding any such invalidity, illegality, or
                  unenforceablility of such provision, the remainder of this
                  Agreement will subsist and will be in full force and effect as
                  though such invalid, illegal or unenforceable provision had
                  been omitted form this Agreement.

         7.7      Entire Agreement. This Agreement embodies the entire agreement
                  of the parties as to the subject matter herein contained.
                  There are no promises, terms, conditions or obligations other
                  than those contained herein; and this Agreement will supersede
                  all previous communications, representations, or agreements,
                  either verbal or written, between the parties hereto. Without
                  limiting the foregoing, no letter, telegram, or other
                  communication passing between the parties hereto, concerning
                  any matter during the negotiation of this Agreement, will be
                  deemed a part of this Agreement, nor will it have the effect
                  of modifying or adding to this Agreement.

         7.8      Additional Documents. Each party will execute and deliver, to
                  either party, subsequent to the Closing, such other documents
                  or instruments as may be reasonably necessary to effectuate
                  the provisions and purpose of this Agreement. Without
                  limitation of the generality of the foregoing, Private Entity
                  will perform all reasonable acts to cause any licenses or
                  permits issued to Private Entity to be assigned or transferred
                  to NetVision in order that NetVision may conduct Private
                  Entity 's Business subsequent to the Closing as herein
                  contemplated.

         7.9      No Amendment. No amendment, modification, change or discharge
                  of any term or provision of this Agreement will be valid or
                  binding unless the same is in writing and signed by all the
                  parties hereto. No waiver of any of the terms of this
                  Agreement will be valid unless signed by the parties against
                  whom such waiver is asserted.

         7.10     Gender. All terms and words used in this Agreement, regardless
                  of the number and gender in which they are used, will be
                  deemed and construed to include any other number, singular or
                  plural, and any other gender, masculine, feminine, or neuter,
                  as the context or sense of this Agreement, or any other
                  section or clause herein, may require, the same as if such
                  words had been fully and properly written in the required
                  number and gender.

         7.11     Time Periods. Any action required hereunder to be taken within
                  a certain number of days will be taken within that number of
                  calendar days; provided, however, that if the last day for
                  taking such action falls on a weekend or a holiday, the period
                  during which such action may be taken will be automatically
                  extended to the next business day.

         7.12     Construction. This Agreement has been prepared by the joint
                  efforts of the respective attorneys for each of the parties.
                  This Agreement should be interpreted fairly, and not strictly
                  construed against either party.

         7.13     No Third Party Beneficiaries. The parties affirmatively state
                  that they do not intend to confer any legal or contractual
                  rights or benefits upon any third persons or Entities, either
                  directly or incidentally, and all legal rights, duties and
                  obligation set forth in this Agreement will bind and benefit
                  only the parties hereto.

         7.14     Notices. Any notice or demand required or permitted to be
                  given hereunder, will be in writing, signed by the party
                  giving or making the same, and will be delivered by certified
                  mail, return receipt requested, or by personal hand delivery,
                  to all parties hereto at their respective addresses
                  hereinafter set forth. In the event that delivery of any such
                  notice or demand cannot be effected as aforesaid, the same may
                  be served by any method authorized for the service of legal
                  process as set forth in the Indiana Rules of Civil Procedure.
                  Any party hereto will have the right to change the place to
                  which any such notice or demand, or other written instrument
                  will be sent to him by similar notice sent in a like manner to
                  all parties hereto. The date of mailing of any such offer or
                  demand, if applicable, will be deemed to be the date of such
                  offer or demand and will be effective

                                       12
<PAGE>

                  form that date. The addresses of the parties to this Agreement
                  are as shown herein below.

To Shareholder(s)          See Schedule 7.14

To the Company:                     NetVision.com, Inc.
                                    8450 Westfield Blvd., Suite 100
                                    Indianapolis, IN 46240
                                    Attn.: Mr. Paul Satterthwaite, CEO and
                                       Chairman of the Board
                                    Attn: Mr. Nicholas Bacon, General Counsel

         7.15     Binding. This Agreement will bind and inure to the benefit of
                  the parties hereto, their respective assigns, and personal
                  representatives and successors.

         7.16     Incorporation by Reference. All Exhibits Schedules and
                  documents attached hereto will be deemed to be incorporated
                  herein by reference as though fully set forth.

         7.17     Competent Professional Advice. All parties to this agreement
                  have reviewed this agreement with competent legal counsel.
                  Both parties have sought and obtained legal counsel and
                  certified public accountants with respect to this agreement
                  and the transactions contemplated therein. Both parties,
                  therefore, enter this agreement, knowingly, intentionally, and
                  intelligently.

         7.18     Professional Fees. Each Party shall bear the expense of any
                  Professional Fees, including, but not limited to, Attorney
                  fees, Accountant fees, or Investigative fees. However,
                  notwithstanding this paragraph, in the event of a Breach of
                  this Agreement, the Non-breaching party shall be responsible
                  for Attorney fees and costs of collection.

         7.19     Non Competition Agreement. Attached hereto as EXHIBITs C, is
                  the Non-Competition and Confidentiality Agreement entered into
                  by the Parties contemporaneously with this Merger Agreement.
                  Said agreement is incorporated by reference into this document
                  and made a part hereof. The consideration for this Merger
                  Agreement is sufficient and adequate consideration for the
                  Merger Agreement, and the Non-Compete and Confidentiality
                  Agreement.

         7.20     Revocation of Previous Definitive Agreement. The Parties have
                  previously entered into a valid and enforceable form of this
                  Agreement. It is the intent of the Parties to execute an
                  original Merger Agreement at the Closing of this transaction,
                  as set forth in Section 8. Upon it's execution, said original
                  shall supersede, revoke, and make null and void any and all
                  Merger Agreements, executed previously by and among the
                  parties.

                        SECTION 8 - CONDITIONS PRECEDENT

         8.1      Non-Binding until Satisfaction of Conditions. This transaction
                  is Non-Binding upon either Party until and upon the
                  Satisfaction of the Conditions Precedent and Closing as set
                  forth Below, except where specifically indicated. It is the
                  Parties intention that this document will become a binding,
                  valid, and enforceable Agreement following the Closing of this
                  Transaction.

         8.2      Conditions Precedent. The intention of the Parties is to
                  become legally bound to this agreement following the closing
                  of this transaction. Said Closing shall not take place until
                  the following Conditions Precedent are satisfied, or waived in
                  writing by both Parties:

                  8.2.1    Exchange of Tangible Consideration as set forth in
                           this Agreement, including, but not limited to,
                           exchange of cash, promissory notes, certificates of
                           stock, or other consideration as set forth in Section
                           3.1

                  8.2.2    Transfer of Stock as set forth in Section 3.2

                  8.2.3    Transfer of Assets as set forth in Section 3.3 et
                           seq.

                                       13
<PAGE>

                  8.2.4    Completion and delivery of all Schedules and Exhibits
                           as referenced in this agreement by both parties, and
                           acceptance of the same by both parties.

                  8.2.5    Successful completion of due diligence as performed
                           by auditors, attorneys or agents of NetVision,
                           including but not limited to verification by the
                           auditors that Private Entity has at least 2300
                           bona-fide subscribers.

                  8.2.6    Execution of the mutually acceptable Non-Competition
                           Agreement by both Parties.

                  8.2.7    Successful assignment of any and all material
                           contracts to which Private Entity is a party.

                  8.2.8    Closing shall be scheduled for a date prior, and
                           completed no later than, October 25th, 1999, unless
                           mutually agreed to, or waived, by both parties.

                  8.2.9    Should the Conditions Precedent not be satisfied as
                           set forth in this section 8, and should the Closing
                           not occur as set forth below, neither party shall be
                           bound, nor bear any liability from this agreement,
                           unless any of said provisions are mutually modified
                           or waived by the parties in writing.

                  8.2.10   Preparation of appropriate Articles of Merger to be
                           filed with the Secretary of State in the States of
                           Delaware and Indiana, and good faith acceptance
                           thereof by and among all parties.

                  8.2.11   Execution of the Document titled Checklist of Merger,
                           attached as EXHIBIT E. Said document has no binding
                           effect other than to reflect the parties
                           understanding regarding the necessary documentation
                           to effectuate this Merger.

                  8.2.12   Execution and Delivery of Certified Corporate
                           Resolutions authorizing this Merger transaction by
                           both parties.

                  8.2.13   Execution and Delivery of a Registration Rights
                           Agreement, or such other instrument as may be agreed
                           to by the Parties in lieu thereof, attached as
                           EXHIBIT F.

                               SECTION 9 - CLOSING

         9.1      Upon Completion of the Conditions Precedent set forth above,
                  and the completion of Closing as set forth below, this
                  Agreement shall become a legally binding, valid and
                  enforceable Agreement.

         9.2      The Closing of this transaction shall be deemed an express
                  representation that there have been no material changes by,
                  between or among, any of the parties hereto, since the
                  execution of this Merger Agreement.

         9.3      Closing Date and Time. The Closing shall take place on the
                  _______________________ at _________, or such other date and
                  time as subsequently may be agreed upon by the parties, in
                  writing. Any reference herein to the Closing Date for the
                  purpose of establishing a point in time, or calculating a
                  period of time, means 11:59 p.m., local time on the Closing
                  Date.

         9.4      Transfer of Business. Upon the successful Closing of this
                  transaction, NetVision and Private Entity shall become one
                  entity, and Private Entity shall cease to exist as a valid and
                  legally existing entity. Any and all business transactions, or
                  activities, as contemplated by this agreement, shall be
                  transferred to NetVision. In no event shall this clause, or
                  any other clause in this contract, be construed to effect the
                  Representations, Warranties or Indemnification as set forth by
                  both parties in this agreement.

         IN WITNESS WHEREOF, the parties have signed this Agreement, consisting
of 15 pages. The intent of

                                       14
<PAGE>

the Parties is to be legally bound thereby.

Signed in the Presence of the following, and on the date first indicated on this
agreement:

                           AYE.NET, INC (Private Entity)

                           By:      _________________________
                                    J. Cleve Gatchel, as President

                                    _________________________
                                    J. Cleve Gatchel, Individually

                                    _________________________
                                    Eric A. Paul, Individually

                           NETVISION .COM, INC.  (NetVision)

                           By:      _____________________________
                                    Paul J. Satterthwaite, CEO and
                                    Chairman of the Board

                                       15

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