Dave Dewald
        2007 Naio Street
        Honolulu  HI  96817

        Dear Dave:

        I've   enjoyed  our  conversations  concerning  Visa/MC  merchant 
        accounts, and as a result have developed the following SYSOP only 
        program:

              1. Upon  approval of a SysOp's application,  the  following 
                 fees would apply:
                    A. $95 account set-up and activation fee
                    B. $5 monthly statement fee
                    C. $25 activity fee if volume is below $5000/month
                    D. 5% discount rate on all transactions
                    E. 75 cent charge per transaction to verify and
                       type into our computer system

              2. The  SysOp would be allowed to submit ONE batch of paper 
                 forms each month. The net proceeds would be available in 
                 his  account at the bank within a week after receipt  of 
                 his paper forms, which can probably utilize your format.

              3. There  is a  non-refundable $150 application  fee/manual 
                 kit.

              4. The  SysOp  would have to register the name of his board 
                 and provide us with a DBA certificate.  This is the name 
                 under which the customer would be billed,  and the  name 
                 of the bank account for the SysOp.

        As  you graciously offered,  the message that we would want other 
        SysOp's to  display  on their boards for  their  users  would  be 
        something like:






                   DO YOU NEED A VISA/MC MERCHANT ACCOUNT? If 
                   you'd  like  to be able to accept  Visa/MC 
                   from  your  customers,   and  are   having 
                   trouble getting a merchant account because 
                   you're  in mail order,  phone order,  home 
                   based or new in business, here's a company 
                   which specializes in merchant accounts for 
                   people in your situation. Call Credit Flow 
                   Corp. at 602-265-8040 Ext. 147.






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        As  for  the  bulletin that SysOps read,  with  regards  to  them 
        getting a merchant account, the message would be different:





                   ARE  YOU A SYSOP WHO WOULD LIKE A  VISA/MC 
                   MERCHANT ACCOUNT?  There's a company which 
                   has  a  special program  for  sysops  (low 
                   cost!)  to  enable  you to  accept  credit 
                   cards   from  your  users.   Contact   Irv 
                           Brechner at (201) 445-7196.





        If you have any additional questions, please contact me.

        Sincerely,



        Irv Brechner
        Vice-President































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