               Dragon Credit Card Retail Agreement

This agreement is entered into this _________ day of _____________, 19__ 
by and between Dragon Business Services, INC. and ___________________________
_______________ (Sysop) herein called "member", 
of _____________________________________________ (Company Name).

WHEREAS, member is selling subscriptions/products to Dragon Business 
Services, INC. for retail by Dragon Business Services, INC. through a door on 
the members board; and

WHEREAS, member wishes Dragon Business Services, INC. to accept credit cards
(i.e. American Express, JCB, Mastercard, Optima or Visa) from callers as 
payment for the services or products; and 

WHEREAS, Dragon Business Services, INC. provides services whereby 
subscriptions sold by door/script on members board will be purchased by 
Dragon Business Services, INC. on a wholesale basis, at a rate of 9.3% less
that the sale price of the subscriptions/products; and

WHEREAS, it is believed by Dragon Business Services, INC. and member that the 
Dragon Plan would benefit both parties herein,

In consideration of the mutual promises made by the parties, which promises 
are acknowledged by the parties, it is agreed as follows:

1.    Member agrees to complete and sign the attached application form which 
shall become incorporated herein and made a part of this agreement;

2.     Member agrees to be responsible to maintain the door for Dragon 
Business Services, INC. and to submitt all information to Dragon Business 
Services, INC. for processing.  Member acknowledges that Dragon Business
Services, INC. shall actually be the seller of the subscriptions and that 
Dragon Business Services, INC. will be the creditor whose name shall appear 
on the customer's credit card statement.

3.      Member agrees and shall be solely responsible to inform their "credit 
card" purchasers that service/product is being purchased from Dragon Business 
Services, INC. which name will appear on their statement and that member is 
solely a channel to obtain the necessary information and the service/product.  
Should the "credit card" purchaser request verification of the purchase, the 
credit card company will send them a photocopy of the transaction slip on 
which the name of BBS or product purchase will appear.

4.      Member, upon execution hereof, does acknowledge the following: 

          A.  Member does not have a merchant account;
          B.  Credit card transactions may be cancelled by the cardholder 
              anytime within 180 days;
          C.  Credit card purchases may give the door expired/cancelled or 
              "borrowed" credit card numbers that will "clear" the 
              authorization process but will not clear the bank.
          D.  There is always a risk when accepting credit transactions from 
              persons unknown;
          E.  If Dragon Business Services, INC. makes a mistake and 
              transposes a number on a transaction and gets a charge back for 
              it, Dragon Business Services, INC. will pay the bank charges 
              and the cost of the phone call to the member(if long distance) 
              to get the matter resolved and the transaction re-submitted.  
              If the transaction was fraudulent (i.e. the customer/card was 
              bogus or expired), member will be charged back the amount of 
              the transaction plus bank charges pursuit of restitution and 
              all costs connected therewith are the responsibility of member. 

5.      Member agrees to upload the transaction information (2 and 3 above) 
in "unzipped" ASCII file format to the Dragon Business Services, INC. at 
minimum of weekly basis; however, it is recommended that if member has a 
large volume of transactions, upload on a more frequent basis.  As a file 
name, member will use SYSOP.chg unless otherwise instructed by Dragon 
Business Services, INC..  The member will be responsible for insuring that
the packet includes their code letters and is uploaded in the proper place.

Dragon Business Services, INC. will be responsible for retailing 
products/services and mailing member check and detailed invoice by the 
Tuesday of the following week after each weekly cutoff date.

6.      Cancellation.  Dragon Business Services, INC. may terminate this 
agreement if member fails to pay any installment when due or within ten days 
thereafter.  No delay or failure by Dragon Business Services, INC. to 
terminate this contract because of any default shall be deemed a waiver of 
the right to terminate or extend to and subsequent default.  This contract 
can be terminated by either party upon giving fifteen days written notice.

7.      Nontransferable.  This contract shall not be assigned or transferred, 
in whole or in part, to another member.

8.      Errors and omissions.  This contract is not subject to cancellation  
or termination because of omissions or errors.  Any improper insertions, 
omissions or errors shall be corrected and made good by Dragon Business
Services, INC..  No deduction from the total sum payable by member shall be 
made for or on account of any errors or ommissions, the responsiblity and 
obligation of Dragon Business Services, INC. being limited to correcting
the same.

9.      Member is responsible for the sellability and fitness of the product.  
Member is responsible for insuring that product meets all Local, State, and 
Federal Laws.  Any member not complying with this will be terminated from our 
service without advance notice.  Member is responsible for insuring customer 
recieves products/services unless an amemdment to this contract states 
otherwise. 

10.     The smallest transaction Dragon Business Services, INC. will accept
is $10.00 per credit card account.  Any transaction above $200.00 will 
require a statement signed by the customer stating the amount and that they 
authorize the purchase from Dragon Business Services, INC. with thier credit
card.

11.     Contract complete in itself.  All agreements and understandings 
between parties are set forth herein. No alteration, amemdment, enlargement, 
or modification hereof shall be binding on either party, nor shall any 
provision, term or condition hereof be wavied, unless such alteration, 
amendment, modification or waiver be made in writing and signed by Dragon 
Business Services, INC. and by member.

The undersigned have set their name thereto on the date afore said.    
      
Dragon Business Services, INC.                   Member

__________________________                       __________________________


           Dragon Credit Card Retail Plan Application


Your Name/Title (if applicable)____________________________________

Date of Birth __/__/__  Social Security #__________________________

BBS/Shareware/Organization/Business Name___________________________

Mailing Address____________________________________________________

City, State, zip __________________________________________________

Area Code & Voice Line ____________________________________________

BBS Line(S)________________________________________________________

Fax Line/Number ___________________________________________________

BBS Software ______________________________________________________

Type of BBS/Shareware/Organization/Business _______________________

Description of Products/Services __________________________________

___________________________________________________________________


===================================================================

I have read and understand this document and agree to this
association.  I have enclosed a copy of my Photo Identification
showing my date of birth and Social Security number to identify
myself.

Signature _________________________________________________________

Print Name/Title _________________________________Date_____________



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