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E-Money, Inc. TM
1150 Connecticut Avenue, N.W., Suite 900
Washington, D.C. 20036
Direct Tel/Fax: (301) 294-9000
Toll Free: (800) 245-5517
E-Mail: info@e-money.com
Web:  http://www.emoney.net

NEW SERVICE ANNOUNCEMENT

1. 	E-Money TM is an automated payment service seamlessly attached to your
	Web Order Page.

2.     	Any Consumer who accesses your  Web Order Page can use their Credit
	Card or  Checking Account to pay for the purchase with  no advance sign-up
	registration or sign-up fees  

	THE CONSUMER PAYS NOTHING TO USE E-Money TM

3. 	The E-Money TM  Secure Transaction Internet Commerce Server  ("STICS")
	automates the entire payment process:

a. 	In the case of  a  CREDIT CARD --- On-Line Authorization, Customer and
	Merchant E-Mail Confirmations, Processing, Settlement and E-Mail Report
	back to Merchant.

b. 	In the case of an ELECTRONIC CHECK --- On-Line Account Verification
	including Account Number Accuracy, Openness of an Account, Customer and
	Merchant E-Mail Confirmations, Processing, Settlement and E-Mail Report
	back to Merchant.

4.    	E-Money TM  uses state-of-the-art Secure Socket Layer (SSL)
	Encryption Technologies and 	will supplement any browser platform's
	security with  Highest Level  Security Firewalls.   All  Internet
	financial transaction data is securely processed  Off-Line  via standard  
	data telecommunications channels.
	
5.    	Your Web Order Page can be left unattended for payment processing.
	
6.     	If you  require a functional "shopping cart", E-Money TM can
	provide	the required software.

To start the process to get you qualified here is what we ask of you:

	A. 	Take a look at our Web Page: http://www.emoney.net 

	B. 	Fill-out and sign the Electronic Check (EFT) Merchant Authorization
		Agreement accompanying this page,  include a void check from the account
		which you would like to have credited / debited and send it back to us
		via   FAX: (301) 294-9000.

	C. 	If you do not currently accept Credit Cards and would like to obtain a
		Credit Card Merchant Application --  CALL:  (888) 274-1404 and press
		36120 at the first prompt to an obtain an application and receive a rate
		quote.

	D. 	If you currently accept Credit Cards and would like to obtain from us
		a competitive discount rate and terms quote --  send all pages of your
		last month's Merchant Credit Card Summary Statements with your 
		name, telephone and fax	numbers via FAX: (206) 537-2906 
		and we will fax back you back a rate quote with our forms 
		to be completed

	E.    	If you currently accept Credit Cards and would like to continue
		processing with your current provider via E-Money TM,  simply 
		send via 	FAX:  (301) 294-9000  all pages of your most
		recent month's Merchant	Credit Card Summary Statements.

					SET-UP SERVICE FEES: 

Bank Fee:   	Non-refundable Risk Analysis 
			and Credit Approval Application Fee 		$100.00
Platinum: 	Total for New Credit Card Merchant Account 
			and ElectronicCheckSet Up:			$595.00
Gold I:		Total for New Credit Card Merchant Account Set Up:	$395.00   
Gold II: 		Total for Existing Credit Card Merchant Account Routing
			and Electronic Check Set Up: 			$395.00
Silver I :   	Total for Existing Credit Card Merchant Account 
			Routing Only Set Up:   				$297.50
Silver II:   	Total for New Merchant Account 
			Electronic Check Only Set Up:			$297.50
                                                         

					TRANSACTION SERVICE FEES: 

Electronic Check: Full Electronic Funds Transfer (EFT) service	
						$ 0.95 @ transaction  
       
Credit Card Routing, Tracking  
(In Addition to Merchant Account Credit Card Processor Fees)
						$ 0.50  @ transaction