Document:

AGREEMENT dated this 29 day of July, 1998

BY AND BETWEEN:   MPACT IMMEDIA TRANSACTION SERVICES LTD., a legal person having
                  a place of business at Clarendon House, Church Street,
                  Hamilton, Bermuda, herein represented by Mr. Joel Leonoff,
                  duly authorised as he so declares,

                  (hereinafter referred to as "MPACT")

AND:              Go Call Inc, a legal person having a place of business at 15
                  Queen St. East, Cambridge, Ontario, herein represented by
                  Michael Ruge, duly authorised as he so declares,

                  (hereinafter referred to as the "Client")

SECTION 1- PREAMBLE

1.1       WHEREAS the Client is desirous of engaging the services of MPACT to
          process, verify, settle, confirm, report and perform value added
          services on certain transactions relating to the business operations
          of Client (the "Processing Services");

1.2       WHEREAS MPACT is desirous of providing the Processing Services to the
          Client subject to the terms and conditions set forth in this
          Agreement.

NOW, THEREFORE, THE PARTIES AGREE AS FOLLOWS:

SECTION II - PROCESSING SERVICES

2.1       Subject to the terms and conditions set forth in this Agreement, MPACT
          hereby agrees to provide the Processing Services to the Client.
          Specifically, the Processing Services shall include the following:

          2.1.1    real-time online authentication and approval of the credit
                   card information (namely, the card number and expiration
                   date) for each credit card transaction processed by the
                   Processing Services (the "Credit Card Transactions");

          2.1.2    real-time online confirmation and approval that the relevant
                   card number accounts have sufficient credit available to
                   cover the amounts of the Credit Card Transactions;

          2.1.3    settlements of the Credit Card Transactions that have been
                   approved based on positive credit card information, positive
                   credit availability and positive electronic mail verification
                   to the extent that same are used;

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          2.1.4    the use of MPACT's electronic mail verification system and of
                   an address verification system for the purposes hereof and
                   the issuance of approvals based upon the electronic mail
                   response;

          2.1.5    crediting back customers' cards upon electronic instructions
                   from the Client;

          2.1.6    monthly written confirmations (on a calendar basis) to the
                   Client regarding the status of the Credit Card Transactions
                   including the total credit card deposits, returns,
                   Charge-Backs pending and Charge-Backs processed; and

          2.1.7    daily reporting with respect to deposits and returns for the
                   preceding twenty-four (24) hours.

2.2       Nothing herein grants the Client any rights whatsoever in any of
          MPACTs transaction or other software, and any use thereof by the
          Client beyond the requirements of the Processing Services shall be
          subject to separate agreement.

2.3       Each Friday of each calendar week, MPACT shall remit to the Client
          the amount collected by MPACT in respect of Credit Card
          Transactions processed, net of the credits identified in
          subsection 2.1.5 above (the "Remittances"), subject to the
          deductions, and reserves set forth in section III below.

SECTION III - FEES AND RESERVES

3.1       In consideration for Processing Services, the Client agrees to pay to
          MPACT the following non-refundable fees:

          3.1.1    six and three quarter percent (6.75%) of all approved and
                   settled Credit Card Transactions, subject to a minimum
                   monthly fee of four thousand dollars ($4,000);

          3.1.2    Client shall pay an initial setup fee in the amount of two
                   thousand five hundred dollars ($2,500.00) upon execution of
                   this Agreement;

          3.1.3    Client shall reimburse MPACT for all approved and settled
                   Credit Card Transactions which are at any time refused,
                   debited or charged back by the relevant bank or credit card
                   company for any reason whatsoever ("Charge-Backs");

          3.1.4    Client shall pay a fee in the amount of ten dollars ($10.00)
                   plus any incremental fees and expenses charged or debited by
                   the banks or credit card companies for each Charge-Back; and

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3.2       Client hereby authorizes MPACT to deduct from the Remittances the
          amounts owing under subsection 3.1 above. In the event that the
          Remittances are insufficient to pay the amounts owing by the Client to
          MPACT, the Client shall pay the balance thereof within seven (7)
          business days following receipt of MPACTs written invoice for such
          amount.

3.3       Client hereby further authorizes MPACT to deduct from the Remittances
          and establish a reserve account (the "Reserve Account") to ensure
          MPACTs recovery of any liabilities owed it or reasonably anticipated
          to be owed to it by the Client pursuant to this Agreement including,
          without limitation, all liabilities in respect of actual and/or
          potential post-termination Charge-Backs, post-termination fees, and
          charges, indemnifications and expenses due or anticipated to be due to
          MPACT from Client. The Reserve Account shall be funded and/or
          replenished by MPACTs withholding from the Remittances. The amount of
          the Reserve Account shall be maintained in amounts consistent with the
          provisions set forth in subsection 3.6 below.

3.4       As additional security for the payment of the obligations by the
          Client, the Client agrees to provide MPACT with a security deposit
          (the "Security Deposit") in the amount of fifty thousand dollars
          ($50,000.00). The Security Deposit shall be maintained at this amount
          throughout the term of this Agreement and for a period of seven (7)
          months thereafter, and the Client agrees to pay any deficiency into
          the Security Deposit upon notice of such deficiency from MPACT. The
          Security Deposit shall be made by the Client to MPACT upon the
          execution of this Agreement.

3.5       As continuing and collateral security for the due and punctual payment
          of any and all amounts now owing or which may hereafter become owing
          to MPACT by the Client under this Agreement (the "Obligations"), as
          same may be amended, renewed, extended or supplemented, the Client
          hereby charges and hypothecates in favour of MPACT, with effect as of
          and from this date, all right, title and interest of the Client in and
          to the Remittances, Security Deposit and Reserve Account and all funds
          therein comprised. The Client undertakes not to grant to any other
          person any hypothecary or other security interest of equal or superior
          rank to MPACT's in the Remittances, Security Deposit or Reserve
          Account. The Client further undertakes, upon notice by MPACT and at
          its expense, to execute and register such documents as may be
          necessary or desirable to perfect MPACT's first-ranking security
          interest therein.

3.6       During the initial six (6) month period of the term of this Agreement,
          MPACT shall deduct fifteen percent (15%) from the Remittances to fund
          the Reserve Account. Thereafter, MPACT shall continue to retain within
          the Reserve Account the aggregate amount of fifteen percent (15%) of
          the Remittances for the six (6) most recent months of the term of this
          Agreement.

3.7       MPACT shall have the right to withdraw from the Reserve Account any
          and all amounts owed to it hereunder upon one day's notice. MPACT
          shall have the

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          additional right to withdraw from the Security Deposit any and all
          amounts owed to it hereunder should the Client fail to pay such
          amounts within five business days of written default of payment notice
          to the Client MPACT's rights to sums owed to it by Client pursuant to
          this Agreement shall in no way be limited by the balance or existence
          of the Reserve Account or the Security Deposit. MPACTs rights with
          respect to the Reserve Account and the Security Deposit shall survive
          the termination of this Agreement. It is understood that all interest
          which may accrue with regards to the Reserve Account shall be for the
          sole account of MPACT

3.8       All interest which may accrue in respect of the Security Deposit shall
          be for the sole account of MPACT. Notwithstanding the forgoing, in the
          event that MPACT terminates this Agreement without cause pursuant to
          subsection 5.2 below, MPACT agrees that, as and from the date of such
          termination, all interest which may accrue in respect of Security
          Deposit shall be for the sole account of MPACT.

3.9       As amounts become payable to either party under this Agreement, and
          unless otherwise agreed in writing, the party making the payment shall
          do so by facilitating a wire transfer to a pre-designated account
          stipulated by the other party. Payments shall be deemed to be made
          upon the date of transfer from the transferor's bank.

3.10      The Client shall be responsible for the payment of any and all
          applicable sales or other taxes due upon the Credit Card Transactions.

SECFION IV - INDEMNIFICATION AND LIMITATION OF LIABILITY

4.1       The Client shall jointly and severally defend and hold harmless MPACT
          against and in respect to any and all claims, demands, losses, costs,
          expenses, obligations, liabilities, damages, recoveries, and
          deficiencies, including interest, penalties and reasonable attorney
          fees that MPACT shall incur or suffer, that arise, result from, or
          relate to any breach of or failure by the Client to perform any of its
          representations, warranties, covenants or agreements in this Agreement
          or in any schedule, supplemental agreement, appendix or other
          instrument furnished or to be furnished to Client under this
          Agreement.

4.2       MPACTs liability to Client with respect to any Credit Card Transaction
          shall not exceed the amount represented by the transaction record in
          connection with such Credit Card Transaction, less the applicable fees
          payable to MPACT hereunder.

4.3       ALL WARRANTIES EXPRESSED OR IMPLIED INCLUDING, BUT NOT LIMITED TO,
          IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR ANY PARTICULAR
          PURPOSE OF THE PROCESSING SERVICES OR OF ANY OTHER SERVICES PROVIDED
          BY MPACT HEREUNDER ARE HEREBY DISCLAIMED BY MPACT, ITS AFFILIATES,
          AGENTS AND LICENSORS. IN ADDITION, MPACT, ITS AFFILIATES, AGENTS AND
          LICENSORS SHALL NOT BE LIABLE FOR ANY INCIDENTAL, CONSEQUENTIAL, OR
          OTHER DAMAGES, LOSSES OR CLAIMS IN ANY WAY CONNECTED WITH OR ARISING
          OUT OF THE USE OF THE PROCESSING SERVICES OR ANY OTHER SERVICES
          PROVIDED BY MPACT HEREUNDER.

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4.4       MPACT, its affiliates, agents or licensors shall not be liable for any
          loss resulting from erroneous statements or errors in transmission,
          nor for any loss resulting from any delay, interruption or failure to
          perform hereunder due to any circumstances beyond MPACTs reasonable
          control including without limitation, acts of god, fire, explosion,
          earthquake, riot, war, sabotage, accident, embargo, storms, strikes,
          lockouts, any interruption, failure or defects in Internet, telephone,
          or other interconnect services or in electronic or mechanical
          equipment. MPACT's obligations hereunder shall be suspended during any
          of the foregoing circumstances, which suspension shall not be a cause
          for termination of this agreement by the Client.

SECTION V - TERM AND TERMINATION

5.1       This Agreement shall be effective commencing on the date first
          mentioned above (the "Effective Date") until the first anniversary of
          the Effective Date, and thereafter shall be renewed automatically for
          additional consecutive three (3) month periods, unless earlier
          terminated in accordance with the terms of subsections 5.2, 5.3 or 5.4
          hereof.

5.2       Notwithstanding subsection 5.1, MPACT shall have the right to
          terminate this Agreement immediately: (i) in the event of breach by
          the Client of its representation, warranties or obligations under this
          Agreement, or (ii) in the event that the Client is delinquent in any
          payment hereunder ten (10) days after the same has become due. MPACT
          may also terminate this Agreement with or without cause upon twenty
          (20) business days' written notice to Client.

5.3       Notwithstanding subsection 5.1, Client may terminate this Agreement,
          with or without cause, upon fifteen (15) business days written notice
          to MPACT. Client's use of MPACT's services hereunder are completely at
          will and non-exclusive.

5.4       Notwithstanding subsection 5.1, the parties agree that either of them
          may, by notice to the other party, initiate negotiations on amendments
          to this Agreement where such amendments would take effect on as of the
          six (6) month anniversary of the Effective Date. In the event that
          notice to negotiate has been given by a party hereunder, but the
          parties have failed to reach agreement on amendments by such six (6)
          month anniversary, this Agreement shall terminate on such six (6)
          month anniversary.

5.5       Upon any termination of this Agreement, the Client shall immediately
          discontinue the use of all of the Processing Services. All provisions
          regarding indemnification, warranty, liability and limits thereon, and
          confidentiality and/or protection of proprietary rights and trade
          secrets shall survive indefinitely or until the expiration of any time
          period specified elsewhere in this Agreement with respect to the
          provision in question, and termination of this Agreement shall not
          relieve the Client of its obligations to pay accrued fees.

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5.6       Upon any termination of this Agreement, MPACT shall be entitled to
          retain as security for the payment of the Obligations each of the
          Security Deposit and the Reserve Account for a period of seven (7)
          months thereafter, save that the Reserve Account shall be reduced by
          fifteen percent (15%) at the end of each month following termination,
          and such amount shall be remitted to the Client net of any deductions
          properly made hereunder during such month, until the whole of the
          Reserve Account is Exhausted.

SECTION VI - REPRESENTATIONS, WARRANTIES AND COVENANTS OF THE CLIENT

6.1       The Client hereby agrees to abide by the following good business
          practices:

          6.1.1    to offer for sale through its Web Site only products and
                   services that are available for delivery in the normal course
                   of the Client's business, based upon the type of product or
                   service being offered; and

          6.1.2    to offer products or services for sale only if the Client has
                   legitimate rights to market and sell such products or
                   services.

6.2       The Client hereby represents and warrants to MPACT that throughout
          the term of this Agreement:

          6.2.1    it will maintain the value and reputation of MPACT to the
                   best of its reasonable ability;

          6.2.2    it will conduct its business affairs in an ethical manner and
                   in accordance with the terms and intent of this Agreement,
                   and in compliance with all applicable government regulations;

          6.2.3    it shall not use the Processing Services in connection with
                   any illegal or fraudulent business activities; and

          6.2.4    it shall not permit or authorize any other person to use the
                   Processing Services.

6.3       The Client acknowledges to MPACT that they are independent contractors
          and that nothing herein shall be construed as creating a joint venture
          or partnership between them. For greater certainty, the Client
          acknowledges that MPACT is not involved in the Client's business.

6.4       The Client agrees that at any time and from time to time during the
          term of this Agreement, MPACT shall have the right to post a banner of
          its design on the application/deposit page of website(s) incorporating
          Processing Services, without any charge whatsoever to MPACT and in
          addition to any other rights it may have hereunder.

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SECTION VII - GUARANTORS

7.1       As a primary inducement to MPACT to enter into this Agreement, (the
          "Guarantors"), unconditionally and irrevocably, guarantee the
          continuing full and faithful performance and payment by Client of each
          of its duties and obligations to MPACT pursuant to this Agreement,
          whether before or after termination or expiration and whether or not
          any of the Guarantors has received notice of any amendment. If Client
          breaches this Agreement, MPACT may proceed directly against any or all
          of the Guarantors or any other persons or entity responsible for the
          performance of this Agreement, without first exhausting its remedies
          against any other person or entity responsible therefor to it or any
          security held by MPACT.

SECTION VIII - AMENDMENTS

8.1       MPACT may amend this Agreement at any time by mailing written notice
          to Client of any amendment at least thirty (30) days prior to the
          effective date of the amendment, which amendment shall not (without
          Client's written consent) modify or retroactively affect or apply to
          fees, reserves or transactions occurring prior to the effective date
          of the amendment. The amendment shall become effective on the date
          specified by MPACT unless MPACT receives Client's notice of
          termination of this Agreement before such effective date.

SECTION IX - NOTICES

9.1       Any notice, demand, request or other communication required or
          permitted to be given under this Agreement shall be faxed (to MPACT
          at____________ and to Client at ________________) delivered
          personally, or sent to the other party by prepaid registered mail,
          return receipt requested, at the addresses first hereinabove set out
          or to such other address as either party may have previously indicated
          to the other in writing in accordance with the foregoing. Any such
          notice, request, demand or communication shall be deemed to have been
          received on the day it was delivered personally, on the fifth (5th)
          day following mailing, unless there is a disruption of any kind of
          postal service in Canada, in which event all deliveries shall be made
          personally or by fax, or on the business day after the date of a faxed
          notice.

SECTION X - MISCELLANEOUS

10.1      This Agreement together with supplemental agreements, appendixes and
          schedules constitutes the entire agreement between the parties
          pertaining to the subject matter contained in it and supersedes all
          prior and contemporaneous agreements, representations and
          understandings of the parties. No waiver of any of the provisions in
          this Agreement shall be deemed or shall constitute, a waiver of any
          other provision, whether or not similar, nor shall any waiver
          constitute a continuing waiver. No waiver shall be binding unless
          executed in writing by the party making the waiver.

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10.2      The Client may not assign this Agreement or any rights hereunder,
          directly or by operation of law, without the prior written consent of
          MPACT which consent may be withheld for any reason in MPACT's sole
          discretion. For purposes of this Agreement assignment shall include,
          but not be limited to, transfer of control of the Client and any
          ownership change which results in a new majority owner.

10.3      The Client shall be liable for and shall indemnify and reimburse MPACT
          for any and all attorneys' fees and other costs and expenses paid or
          incurred by MPACT in the enforcement of this Agreement, or in
          collecting any amounts due from the Client hereunder, or resulting
          from any breach of any of the terms or conditions of this Agreement.

10.4      All remedies of either party hereunder are cumulative and may be
          exercised concurrently or separately. The exercise of any one remedy
          shall not be deemed to be an election of such remedy and shall not
          preclude the exercise of any other remedy. No failure on the part of
          either party to exercise and no delay in exercising any right or
          remedy hereunder shall operate as a waiver of such right or remedy.

10.5      If any provision of this Agreement is held invalid or unenforceable by
          any court of final jurisdiction, it is the intent of the parties that
          all other provisions of this Agreement be construed to remain fully
          valid, enforceable and binding on the parties.

10.6      The subject headings of the paragraphs and subparagraphs of this
          Agreement are included for convenience only and shall not affect the
          construction or interpretation of any of its provisions.

10.7      References to "this Agreement" include any supplementary agreements,
          addendum, appendixes and amendments and any other agreements,
          schedules appendixes and amendments promulgated by MPACT and furnished
          to the Client from time to time.

10.8      All dollar amounts referred to in this Agreement are in United States
          funds.

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IN WITNESS WHEREOF, the parties have signed as of the date first hereinabove
mentioned.

MPACT IMMEDIA TRANSACTION SERVICES LTD.                Go Call Inc.

per: /s/ Joel Leonoff                                  per: /s/
-------------------------                              -------------------------
   Mr. Joel Leonoff

                                                       per: /s/
                                                       -------------------------

Guarantors:

per: /s/                                               per: /s/
-------------------------                              -------------------------
          Go Call Inc.                                 Go Call Inc.CONTRACT
                                     BETWEEN
                                   WEB WONDERS
                                       AND
                            GO CASH INC./GO CALL INC.

Web Wonders and Go Cash Inc/Go Call Inc. hereby agree to form a service contract
for a TWO (2) year period with the following terms and conditions:

1. Web Wonders agrees to perform the following services for Go Cash Inc./Go Call
Inc.
-    Assume all leases including those for office equipment and office space at
     15 Queen St., Cambridge Ontario Canada
-    Handle day to day administrative duties including, but not limited to, the
     following:
-    answer phones
-    respond to customer and investor relations inquiries
-    Web design
-    Web marketing

2. Web Wonders also agrees to:
-    Assume responsibility for existing technical and administrative consultants
     to Go Cash Inc/Go Call Inc such as project management and compensation. All
     existing Go Cash lnc./Go Ccli Inc. will become Web Wonders' consultants.
-    Assume responsibility for contracting further consultants to perform the
     services listed in this contract if necessary

3. Go Cash Inc./Go Call Inc. agrees to pay Web Wonders a. monthly fee of $30,000
US for performing the aforementioned services. Web Wonders will invoice Go Cash
Inc./Go Call Inc. for an additional amount if the cost of carrying out this
contract exceeds $30,000 for any given month.

Dated at (unreadable) this 29 day of August 1999 .

/s/ signature
-------------------------
Web Wonders

/s/ signature
-------------------------
Go Call Inc.

/s/ signature
-------------------------
Go Cash Inc.

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