Document:

Exhibit 10.22

     Letter of Intent by and between Multi-Link Telecommunications, Inc. and
              Glenayre Technologies, Inc., dated as of May 17, 2000

                                  May 17, 2000

Multi-Link Telecommunications, Inc.
4704 Harlan Street
Suite 420
Denver, Colorado  80212
Attention:  Nigel V. Alexander
            Chief Executive Officer

                                LETTER OF INTENT

Dear Nigel:

     The purpose of this Letter of Intent is to confirm the current intention of
Glenayre Technologies,  Inc., a Delaware corporation  ("Glenayre"),  to offer to
acquire  common  stock  of  Multi-Link  Telecommunications,   Inc.,  a  Colorado
corporation ("MLT"). This Letter of Intent is not, nor should it be construed to
be,  an  agreement  or an offer  of an  agreement  between  us  (except  for the
provisions of Paragraphs 6 and 7 below,  which are intended to be binding),  but
rather is an expression of our mutual current intentions.

     This  proposal  is based  upon the  information  provided  by MLT and other
publicly  available  information.  Based upon our review of this information and
subject to our concluding due diligence,  we propose to purchase common stock of
MLT on the following basis:

     1. Description of Transaction.

     (a)  Glenayre  would  purchase  up to $1.5  million of shares of the voting
common stock of MLT (the "MLT Stock") directly from MLT, the number of shares to
be issued to Glenayre to be  determined  by dividing $1.5 million by the average
closing  price for MLT Stock  reported on  NASDAQ-SCM  for the five trading days
immediately  before the date of Closing  (defined  below) (the "Average  Closing
Price Per  Share").  However,  if the total  number of shares of MLT Stock to be
purchased  from MLT and Van Page would  exceed  5.0% of the  outstanding  common
stock of MLT, on a fully diluted basis,  then the $1.5 million  investment would
be reduced until Glenayre's total ownership interest is reduced to approximately
5.0%.

     (b) The MLT Stock to be purchased  by Glenayre  would be  unregistered  but
would be  subject  to the terms of a  mutually  acceptable  Registration  Rights
Agreement which would provide,  among other things, (i) for Glenayre to have two
demand registration rights and "piggy-back" registration rights (such piggy-back
rights  not to apply to the  secondary  offering  of MLT Stock in the  summer of
2000) and (ii) if the MLT Stock is not registered with a reasonable period after
Glenayre  exercises  its  demand  registration  rights  (with MLT using its best
efforts  to  register  such  stock  as soon as  possible),  for MLT to  issue to
Glenayre,  without  any  additional  payment by  Glenayre,  warrants to purchase
50,000 shares of MLT Stock at a price equal to 120% of the Average Closing Price
Per Share.  The warrants  shall expire on the fifth  anniversary  of the Closing
date.

<PAGE>

     (c) At the Closing, MLT would place an immediate  non-cancellable  purchase
order  for  $1.5  million  of  MVP  Voice  Messaging   Equipment  from  Glenayre
Electronics,  Inc. at full list price for  delivery  within 12 months  after the
Closing date,  with $500,000 of such order to be paid to Glenayre at the Closing
and $300,000 of such order to be guaranteed by an  irrevocable  letter of credit
issued at the Closing. In addition,  at the Closing Glenayre  Electronics,  Inc.
and MLT would enter into a Volume Purchase Agreement pursuant to which MLT would
purchase  (at  standard  volume  discounts)  from  Glenayre  Electronics,   Inc.
messaging  equipment,  as needed,  over a period of five years after the Closing
(with a guaranteed purchase of $1.0 million during the two-year period beginning
on the first  anniversary  of the Closing  date).  MLT estimates  that the total
purchase price of the additional  equipment  purchased under the Volume Purchase
Agreement would be a minimum of $3.5-6.5 million.

     (d) In connection  with its purchase of MLT Stock,  Glenayre would have the
right  to have  one  representative  present  at all  meetings  of the  Board of
Directors  of  MLT  and  MLT's  Board   Committees   (including  the  Audit  and
Compensation  Committees).  Glenayre  would  receive  notice of each meeting and
would  receive all  materials  distributed  to directors  or  Committee  members
pertaining to the meetings.

     (e) At the  Closing,  MLT shall  issue  warrants to  Glenayre,  without any
additional  payment by Glenayre,  to purchase  100,000  shares of MLT Stock at a
price equal to 150% of the Average  Closing Price Per Share.  The warrants shall
expire on the fifth anniversary of the Closing date.

     2.  Conditions to Closing.  Glenayre's  obligation to close the purchase of
MLT Stock will be conditioned upon mutually  satisfactory  customary  conditions
for transactions of this nature, including the following:

     (a) satisfactory completion by Glenayre of due diligence;

     (b) negotiation and execution of the Definitive Agreement;

     (c) approval of the Definitive Agreement, prior to execution, by Glenayre's
Board of Directors and MLT's Board of Directors;

     (d) there being no material  adverse  change in the  business or  financial
condition of MLT;

     (e) MLT being operated in the ordinary course of business  between the date
of execution of this Letter of Intent and the Closing date; and

     (f)  the  execution  and  delivery  of the  Registration  Rights  Agreement
referred to in Paragraph 1(b) above and the order and Volume Purchase  Agreement
referred to in Paragraph 1(c) above.

     3. Definitive  Agreement.  Commencing  promptly after the execution of this
Letter of Intent,  the parties and their respective  advisers would proceed with
the  preparation  and  negotiation  of  a  definitive   purchase  agreement  (or
agreements) to evidence the purchase of MLT Stock and other matters contemplated
herein  (the  "Definitive  Agreement").  It  is  intended  that  the  Definitive
Agreement  be  negotiated  and executed  within 30 days after  execution of this
Letter of Intent.  The Definitive  Agreement would include customary  covenants,
representations,  warranties  and  indemnities,  all  satisfactory  in form  and
substance to counsel for Glenayre and MLT.

     4. Due Diligence.  Immediately upon execution of this Letter of Intent, MLT
would permit Glenayre (and Glenayre's accountants, attorneys and other advisors)
to inspect, to their reasonable  satisfaction,  the books and records of MLT and
its subsidiaries.

     5. Closing.  The Closing of the purchase of MLT Stock  contemplated  herein
(the  "Closing")  would  take  place as soon as  reasonably  possible  after the
execution of the  Definitive  Agreement.  The specific  date,  time and place of
Closing would be designated in the Definitive Agreement.

                                       2

<PAGE>

     6. Non-Disclosure.  Glenayre acknowledges and agrees that it has previously
executed and delivered to MLT the  Confidentiality  Agreement attached hereto as
Exhibit A and the Confidentiality Agreement remain in full force and effect. The
parties  will  cooperate  with  each  other in  making  any  public  disclosures
(including any press releases) about the proposed transactions.

     7.  Expenses.  MLT and Glenayre shall each bear their own fees and expenses
(including  attorneys'  fees and expenses) in connection  with the  transactions
contemplated by this Letter of Intent.

                                      * * *

     Please indicate your agreement to the above proposal and the conditions set
forth herein by  countersigning  a copy of this  proposal in the space  provided
below and returning it to the undersigned.  Glenayre  reserves the right, at its
sole discretion,  to consider this proposal null and void if not accepted by the
undersigned  on or before May 17,  2000.  This Letter of Intent may be signed in
multiple counterparts which taken together shall be deemed as one document.

                                              Very truly yours,

                                              Glenayre Technologies, Inc.

                                              By: /s/ Eric L. Doggett
                                                  ------------------------------
                                                    Eric L. Doggett
                                                    President & CEO

Agreed and Accepted as of
May 17, 2000:

Multi-Link Telecommunications, Inc.

By: /s/ Nigel V. Alexander
    ------------------------------------
    Name:   Nigel V. Alexander
    Title:  Chief Executive Officer

                                       3REGISTRATION RIGHTS AGREEMENT

     THIS REGISTRATION RIGHTS AGREEMENT, dated the 22nd day of February, 2000,
between MIDWEST FIRST NATIONAL, INC. and CONDIV INVESTMENTS, INC. (referred to
as the "Investors"), COLUMBIA FINANCIAL GROUP, INC. (the "Placement Agent")
and Pacific WebWorks, Inc., a corporation incorporated under the laws of the
State of Nevada, and having its principle place of business at 180 South 300
West, Suite 400, Salt Lake City, Utah 84111 (the "Company").

          WHEREAS, simultaneously with the execution and delivery of this
Agreement and from time to time thereafter, the Investors are purchasing from
the Company, pursuant to the Unit Purchase Agreement dated the date hereof
(the "Purchase Agreement"), shares of Common Stock and Warrants (hereinafter
collectively referred to as the "Securities" of the Company);  All capitalized
terms not hereinafter defined shall have that meaning assigned to them in the
Purchase Agreement; and

          WHEREAS, prior to the execution and delivery of this Agreement, the
Company has issued Warrants to Columbia, in return for services rendered, from
time to time as provided in a separate Consulting Agreement dated January 26,
1999 (the "Consulting Agreement"); and
          WHEREAS, the Company desires to grant to the Holders the
registration rights set forth herein.

          NOW, THEREFORE, the parties hereto mutually agree as follows:

          Section 1. Registrable Securities.  As used herein the term
"Registrable Security" means the Common Stock of the Company issued under the
Purchase Agreement or as the result of the execution of warrants issued under
that Agreement or the Consulting Agreement; provided, however, that with
respect to any particular Registrable Security, such security shall cease to
be a Registrable Security when, as of the date of determination, (i) it has
been effectively registered under the Securities Act of 1933, as amended (the
"1933  Act") and disposed of pursuant thereto, (ii) registration under the
1933 Act is no longer required for the immediate public distribution of such
security as a result of the provisions of Rule 144 promulgated under the 1933
Act, or (iii) it has ceased to be outstanding.  The term "Registrable
Securities" means any and/or all of the securities falling within the
foregoing definition of a Registrable Security.  In the event of any merger,
reorganization, consolidation, recapitalization or other change in corporate
structure affecting the Common Stock, such adjustment shall be made in the
definition of Registrable Security as is appropriate in order to prevent any
dilution or enlargement of the rights granted pursuant to this Section.

          Section 2.  Restrictions on Transfer.  The Holders acknowledge and
understand that prior to the registration of the Registrable Securities as
provided herein, the Registrable Securities and the Securities are "restricted
securities" as defined in Rule 144 promulgated under the Act.  The Holders
understand that no disposition or transfer of the Registrable Securities or
the Securities may be made by the Holders in the absence of (i) an opinion of
counsel to the Holders that such transfer may be made without registration
under the 1933 Act, or (ii) such registration.

          Section 3.  Registration Rights.
               (a)     The Company agrees that it will prepare and file with
the Securities and Exchange Commission ("SEC"), on or prior to April 15, 2000,
a registration statement (on Form SB-2, or other appropriate registration
statement) under the 1933 Act (the "Registration Statement"), at the sole
expense of the Company (except as provided in Section 3(c) hereof), in respect
of all holders of Registrable Securities, so as to permit a public offering
and sale of the Registrable Securities under the Act.  The Company shall use
its best efforts to cause the Registration Statement to become effective on or
before July 1, 2000.  The number of shares of Common Stock designated in the
Registration Statement to be registered shall be not less than (i) 100% of the
number of Common Shares acquired under the Purchase Agreement, plus (ii) 100%
of the number of Warrant Shares issuable assuming all of the Warrants had been
issued pursuant to the Purchase Agreement and Consulting Agreement.

               (b)     The Company will maintain the Registration Statement,
or post-effective amendment filed under this Section 3 hereof current under
the 1933 Act until the earlier of (i) the date that all of the Registrable
Securities have been sold pursuant to the applicable Registration Statement,
(ii) the date the holders thereof receive an opinion of counsel that the
Registrable Securities may be sold under the provisions of Rule 144 (without
limitation) or (iii) five years after the Subscription Date.

               (c)     All fees, disbursements and out-of-pocket expenses and
costs  incurred by the Company in connection with the preparation and filing
of the Registration Statement under subparagraph 3(a) and in complying with
applicable securities and blue sky laws (including, without limitation, all
attorneys' fees) shall be borne by the Company.  The Holders shall bear the
cost, pro rata, of underwriting discounts and commissions, if any, applicable
to the Registrable Securities being registered and the fees and expenses of
its counsel.  The Company shall qualify any of the securities for sale in such
states as such Holder reasonably designates and shall furnish indemnification
in the manner provided in Section 6 hereof.  The Company at its expense will
supply the Holders with copies of the Registration Statement and the
prospectus or offering circular included therein and other related documents
in such quantities as may be reasonably requested by the Holders.

               (d)     The Company shall not be required by this Section 3 to
include a Holder's Registrable Securities in any Registration Statement which
is to be filed if, in the opinion of counsel for both the Holder and the
Company (or, should they not agree, in the opinion of another counsel
experienced in securities law matters acceptable to counsel for the Holder and
the Company) the proposed offering or other transfer as to which such
registration is requested is exempt from applicable federal and state
securities laws and would result in all purchasers or transferees obtaining
securities which are not "restricted securities", as defined in Rule 144 under
the 1933 Act.

               (e)     In the event the Registration Statement to be filed by
the Company pursuant to Section 3(a) above is not filed with the SEC on or
before May 15, 2000 and/or the Registration Statement is not declared
effective by the SEC on or before August 1, 2000, then the Company will pay
the Holders (pro rated on a daily basis), as liquidated damages for such
failure and not as a penalty, two percent of the purchase price of the then
outstanding Securities for every 30 calendar day period until the Registration
Statement has been filed and/or declared effective. Such payment of the
liquidated damages shall be made to the Holders in cash, immediately upon
demand, provided, however, that the payment of such liquidated damages shall
not relieve the Company from its obligations to register the Registrable
Securities.  If the Company does not remit the damages to the Holder as set
forth above, the Company will pay the Holders reasonable costs of collection,
including attorneys fees, in addition to the liquidated damages. The
registration of the Securities pursuant to this provision shall not affect or
limit Holder's other rights or remedies as set forth in this Agreement.

               (f)     The Company agrees that it shall declare the
Registration Statement effective within three Business Days after being
informed by the SEC that it may do so.  The Company also agrees that it shall
respond to any questions and/or comments from the SEC which relate to the
Registration Statement within five Business Days of receipt of such question
or comment.

          Section 4.  Cooperation with Company.  Each of the Holders will
cooperate with the Company in all respects in connection with this Agreement,
including timely supplying all information reasonably requested by the Company
and executing and returning all documents reasonably requested in connection
with the registration and sale of the Registrable Securities.

          Section 5.  Registration Procedures.     If  and whenever the
Company is required by any of the provisions of this Agreement to effect the
registration of any of the Registrable Securities under the Act, the Company
shall (except as otherwise provided in this Agreement), as expeditiously as
possible:

               (a)     prepare and file with the SEC such amendments and
supplements to the Registration Statement and the prospectus used in
connection therewith as may be necessary to keep such registration statement
effective and to comply with the provisions of the Act with respect to the
sale or other disposition of all securities covered by such registration
statement whenever the Holder shall desire to sell or otherwise dispose of the
same (including prospectus supplements with respect to the sales of securities
from time to time in connection with a registration statement pursuant to Rule
415 promulgated under the Act);

               (b)     furnish to each Holder such numbers of copies of a
summary prospectus or other prospectus, including a preliminary prospectus or
any amendment or supplement to any prospectus, in conformity with the
requirements of the Act, and such other documents, as such Holder may
reasonably request in order to facilitate the public sale or other disposition
of the securities owned by such Holder;

               (c)     register and qualify the securities covered by the
Registration Statement under such other securities or blue sky laws of such
jurisdictions as the Holders shall reasonably request, and do any and all
other acts and things which may be necessary or advisable to enable each
Holder to consummate the public sale or other disposition in such jurisdiction
of the securities owned by such Holder, except that the Company shall not for
any such purpose be required to qualify to do business as a foreign
corporation in any jurisdiction wherein it is not so qualified or to file
therein any general consent to service of process;

               (d)     list such securities on the Principal Market on which
any securities of the Company are then listed, if the listing of such
securities is then permitted under the rules of such Principal Market;

               (e)     enter into and perform its obligations under an
underwriting  agreement,  if  the offering is an underwritten offering, in
usual and customary form, with the managing underwriter or underwriters of
such underwritten offering;

               (f)     notify each Holder of Registrable Securities covered by
the Registration Statement any time when a prospectus relating thereto covered
by the Registration Statement is required to be delivered under the Act, and
of the happening of any event of which it has knowledge as a result of which
the prospectus included in the Registration Statement, as then in effect,
includes an untrue statement of a material fact or omits to state a material
fact required to be stated therein or necessary to make the statements therein
not misleading in the light of  the circumstances then existing.

          Section 6.  Information by Holder.  Each Holder of Registrable
Securities included in any registration statement shall furnish to the Company
such information regarding such Holder and the distribution proposed by such
Holder as the Company may request in writing and as shall be required in
connection with any registration, qualification or compliance referred to in
this Section.

          Section 7.  Assignment.  The rights granted the Holders under this
Agreement shall not be assigned without the written consent of the Company,
which consent shall not be unreasonably withheld.  This Agreement is binding
upon and inures to the benefit of the parties hereto and their respective
heirs, successors and permitted assigns.

          Section 8.  Termination of Registration Rights.  The rights granted
pursuant to this Agreement shall terminate as to each Holder (and permitted
transferee under Section 7 above) upon the occurrence of any of the following:

               (a)     all such Holder's securities subject to this Agreement
have been registered;

               (b)     all of such Holder's securities subject to this
Agreement may be sold without such registration pursuant to Rule 144
promulgated by the SEC pursuant to the Securities Act;

               (c)     all of such Holder's securities subject to this
Agreement can be sold pursuant to Rule 144(k) without volume limitation; or
five years from the issuance of the Registrable Securities.

          Section 9.  Indemnification.

               (a)     In the event of the filing of any Registration
Statement with respect to Registrable Securities pursuant to Section 3 hereof,
the Company agrees to indemnify and hold harmless the Holders, and each
officer, director of the Holders or person, if any, who controls the Holders
within the meaning of the Securities Act ("Distributing Holders") against any
losses, claims, damages or liabilities, joint or several (which shall, for all
purposes of this Agreement, include, but not be limited to, all costs of
defense and investigation and all attorneys' fees), to which the Distributing
Holders may become subject, under the Securities Act or otherwise, insofar as
such losses, claims, damages or liabilities (or actions in respect thereof)
arise out of or are based upon any untrue statement or alleged untrue
statement of any material fact contained in any such Registration Statement or
any related preliminary prospectus, final prospectus, offering circular,
notification or amendment or supplement thereto, or arise out of or are based
upon the omission or alleged omission to state therein a material fact
required to be stated therein or necessary to make the statements therein not
misleading; provided, however, that the Company will not be liable in any such
case to the extent that any such loss, claim, damage or liability arises out
of or is based upon an untrue statement or alleged untrue statement or
omission or alleged omission made in such Registration Statement, preliminary
prospectus, final prospectus, offering circular, notification or amendment or
supplement thereto in reliance upon, and in conformity with, written
information furnished to the Company by the Distributing Holders, specifically
for use in the preparation thereof.  This indemnity agreement will be in
addition to any liability which the Company may otherwise have.

               (b)     In the event of the filing of any Registration
Statement with respect to Registrable Securities pursuant to Section 3 hereof,
each Distributing Holder agrees that it will indemnify and hold harmless the
Company, and each officer, director of the Company or person, if any, who
controls the Company within the meaning of the Securities Act, against any
losses, claims, damages or liabilities (which shall, for all purposes of this
Agreement, include, but not be limited to, all costs of defense and
investigation and all attorneys' fees) to which the Company or any such
officer, director or controlling person may become subject under the
Securities Act or otherwise, insofar as such losses claims, damages or
liabilities (or actions in respect thereof) arise out of or are based upon any
untrue statement or alleged untrue statement of any material fact contained in
a Registration Statement, requested by such Distributing Holder, or any
related preliminary prospectus, final prospectus, offering circular,
notification or amendment or supplement thereto, or arise out of or are based
upon the omission or the alleged omission to state therein a material fact
required to be stated therein or necessary to make the statements therein not
misleading, but in each case only to the extent that such untrue statement or
alleged untrue statement or omission or alleged omission was made in such
Registration Statement, preliminary prospectus, final prospectus, offering
circular, notification or amendment or supplement thereto in reliance upon,
and in conformity with, written information furnished to the Company by such
Distributing Holder, specifically for use in the preparation thereof and,
provided further, that the indemnity agreement contained in this Section 9(b)
shall not inure to the benefit of the Company with respect to any person
asserting such loss, claim, damage or liability who purchased the Registrable
Securities which are the subject thereof if the Company failed to send or give
(in violation of the Securities Act or the rules and regulations promulgated
thereunder) a copy of the prospectus contained in such Registration Statement
to such person at or prior to the written confirmation to such person of the
sale of such Registrable Securities, where the Company was obligated to do so
under the Securities Act or the rules and regulations promulgated thereunder.
This indemnity agreement will be in addition to any liability which the
Distributing Holders may otherwise have.

               (c)     Promptly after receipt by an indemnified party under
this Section of notice of the commencement of any action, such indemnified
party will, if a claim in respect thereof is to be made against the
indemnifying party under this Section, notify the indemnifying party of the
commencement thereof; but the omission so to notify the indemnifying party
will not relieve the indemnifying party from any liability which it may have
to any indemnified party otherwise than as to the particular item as to which
indemnification is then being sought solely pursuant to this Section.  In case
any such action is brought against any indemnified party, and it notifies the
indemnifying party of the commencement thereof, the indemnifying party will be
entitled to participate in, and, to the extent that it may wish, jointly with
any other indemnifying party similarly notified, assume the defense thereof,
subject to the provisions herein stated and after notice from the indemnifying
party to such indemnified party of its election so to assume the defense
thereof, the indemnifying party will not be liable to such indemnified party
under this Section for any legal or other expenses subsequently incurred by
such indemnified party in connection with the defense thereof other than
reasonable costs of investigation, unless the indemnifying party shall not
pursue the action to its final conclusion.  The indemnified party shall have
the right to employ separate counsel in any such action and to participate in
the defense thereof, but the fees and expenses of such counsel shall not be at
the expense of the indemnifying party if the indemnifying party has assumed
the defense of the action with counsel reasonably satisfactory to the
indemnified party; provided that if the indemnified party is the Distributing
Holder, the fees and expenses of such counsel shall be at the expense of the
indemnifying party if (i) the employment of such counsel has been specifically
authorized in writing by the indemnifying party, or (ii) the named parties to
any such action (including any impleaded parties) include both the
Distributing Holder and the indemnifying party and the Distributing Holder
shall have been advised by such counsel that there may be one or more legal
defenses available to the indemnifying party different from or in conflict
with any legal defenses which may be available to the Distributing Holder (in
which case the indemnifying party shall not have the right to assume the
defense of such action on behalf of the Distributing Holder, it being
understood, however, that the indemnifying party shall, in connection with any
one such action or separate but substantially similar or related actions in
the same jurisdiction arising out of the same general allegations or
circumstances, be liable only for the reasonable fees and expenses of one
separate firm of attorneys for the Distributing Holder, which firm shall be
designated in writing by the Distributing Holder).  No settlement of any
action against an indemnified party shall be made without the prior written
consent of the indemnified party, which consent shall not be unreasonably
withheld.

          Section 10.  Contribution.  In order to provide for just and
equitable contribution under the Securities Act in any case in which (i) the
Distributing Holder makes a claim for indemnification pursuant to Section 9
hereof but is judicially determined (by the entry of a final judgment or
decree by a court of competent jurisdiction and the expiration of time to
appeal or the denial of the last right of appeal) that such indemnification
may not be enforced in such case notwithstanding the fact that the express
provisions of Section 9 hereof provide for indemnification in such case, or
(ii) contribution under the Securities Act may be required on the part of any
Distributing Holder, then the Company and the applicable Distributing Holder
shall contribute to the aggregate losses, claims, damages or liabilities to
which they may be subject (which shall, for all purposes of this Agreement,
include, but not be limited to, all costs of defense and investigation and all
attorneys' fees), in either such case (after contribution from others) on the
basis of relative fault as well as any other relevant equitable
considerations.  The relative fault shall be determined by reference to, among
other things, whether the untrue or alleged untrue statement of a material
fact or the omission or alleged omission to state a material fact relates to
information supplied by the Company on the one hand or the applicable
Distributing Holder, on the other hand, and the parties' relative intent,
knowledge, access to information and opportunity to correct or prevent such
statement or omission.  The Company and the Distributing Holder agree that it
would not be just and equitable if contribution pursuant to this Section were
determined by pro rata allocation or by any other method of allocation which
does not take account of the equitable considerations referred to in this
Section.  The amount paid or payable by an indemnified party as a result of
the losses, claims, damages or liabilities (or actions in respect thereof)
referred to above in this Section shall be deemed to include any legal or
other expenses reasonably incurred by such indemnified party in connection
with investigating or defending any such action or claim.  No person guilty of
fraudulent misrepresentation (within the meaning of Section 11(f) of the
Securities Act) shall be entitled to contribution from any person who was not
guilty of such fraudulent misrepresentation.

          Section 11.  Notices.  Any notice pursuant to this Agreement by the
Company or by the Holders shall be in writing and shall be deemed to have been
duly given if delivered by (i) hand, (ii) by facsimile and followed by mail
delivery or (iii) if mailed by certified mail, return receipt requested,
postage prepaid, addressed as follows:

          (a)     If to the Company:

                         Pacific WebWorks
                         180 South 300 West, Suite 400
                         Salt Lake City, Utah 84101
                         Attention: Christian Larsen
                         Telephone: (801) 578-9020
                         Facsimile: (801) 578-9019

          (b)     If to the Placement Agent:

                         Columbia Financial Group, Inc.
                         1401 York Road, #400
                         Lutherville, Maryland 21093
                         Attention: Tim Rieu

          (c)     If to the Investors:

                         Midwest First National, Inc.
                         295 Greenwich Street
                         New York, New York 10007

                         Condiv Investments, Inc.
                         7 Piedmont Center, Suite 500
                         Atlanta, Georgia 30305

     Notices shall be deemed given at the time they are delivered personally
or five calendar days after they are mailed in the manner set forth above.  If
notice is delivered by facsimile to the Company and followed by mail, delivery
shall be deemed given two calendar days after such facsimile is sent.

          Section 12.  Counterparts.  This Agreement may be executed in
counterparts, each of which shall be deemed an original, but all of which
together shall constitute one and the same instrument.

          Section 13.  Headings.  The headings in this Agreement are for
reference purposes only and shall not affect in any way the meaning or
interpretation of this Agreement.

          Section 14. Choice of Law; Venue; Jurisdiction.  This Agreement will
be construed and enforced in accordance with and governed by the laws of the
State of Utah, except for matters arising under the Securities Act, without
reference to principles of conflicts of law.  Each of the parties consents to
the jurisdiction of the U.S. District Court sitting in the State of Utah, for
the Central District of Utah in connection with any dispute arising under this
Agreement and hereby waives, to the maximum extent permitted by law, any
objection, including any objection based on forum non conveniens, to the
bringing of any such proceeding in such jurisdictions.  Each party hereby
agrees that if another party to this Agreement obtains a judgment against it
in such a proceeding, the party which obtained such judgment may enforce same
by summary judgment in the courts of any country having jurisdiction over the
party against whom such judgment was obtained, and each party hereby waives
any defenses available to it under local law and agrees to the enforcement of
such a judgment.  Each party to this Agreement irrevocably consents to the
service of process in any such proceeding by the mailing of copies thereof by
registered or certified mail, postage prepaid, to such party at its address
set forth herein.  Nothing herein shall affect the right of any party to serve
process in any other manner permitted by law.  Each party waives its right to
a trial by jury.

          Section 15.  Severability.  If any provision of this Agreement shall
for any reason be held invalid or unenforceable, such invalidity or
unenforceability shall not affect any other provision hereof and this
Agreement shall be construed as if such invalid or unenforceable provision had
never been contained herein.

     [Remainder of Page Intentionally Left Blank]

<PAGE>

     IN WITNESS WHEREOF, the parties hereto have caused this Registration
Rights Agreement to be duly executed, on the day and year first above written.

                                   PACIFIC WEBWORKS, INC.
Attest:

By:_________________________        By: /s/ Christian Larsen
     Name:                          Name: Christian Larsen
     Title:                         Title: President/ CEO

                                    COLUMBIA FINANCIAL GROUP, INC.

                                    By /s/ Timothy J. Rieu
                                    Name: Timothy J. Rieu
                                    Title: President

                                    MIDWEST FIRST NATIONAL, INC.

                                    By____________________________
                                    Name: ________________________
                                    Title: ________________________

                                    CONDIV INVESTMENTS, INC.

                                    By____________________________
                                    Name: ________________________
                                    Title:  ________________________

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