Dear Dave

        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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