<SEQUENCE>3

<FILENAME>pwebex10.txt

<DESCRIPTION>LEASE AGREEMENT

<TEXT>

                     WESTGATE BUSINESS CENTER



                         LEASE AGREEMENT



This agreement made and entered into as of the 20th day of November, 2003, by

and between WESTGATE BUSINESS CENTER, hereinafter referred to as "Lessor", and

Pacific Webworks, Inc. of 180 South 300 West, Suites #400, Salt Lake City,

Utah 84101(address) hereinafter referred to as "Lessee".



1. PREMISES LEASED TO TENANT



A. Lessor hereby leases to Lessee those Premises located at 180 South 300

West, Salt lake City, Utah, identified as Suites #400 & 450, as shown on

Exhibit A, attached hereto. The premises shall be bounded by the interior

surfaces of the floors, walls, ceilings, windows and doors, together with all

fixtures and improvements contained therein.



B. Lessee shall have nonexclusive right-of-way with respect to the leased

premises, its improvements and the land on which they are located as may be

reasonably necessary for access to and ingress and egress from the premises

and the right to use for necessary purposes along with other lessees and users

of the building any improvements associated with the building such

as rest rooms and other non-restricted common areas.



C. Lessee shall have a nonexclusive right to the use of the parking lot on the

premises as provided herein. Lessee is hereby advised that the parking lot

will be leased for public parking for certain events after 5:00 P.M. and on

weekends, and on those occasions parking stalls may not be available. It is

expressly agreed that Lessee and its agents, servants and employees shall

not occupy more than a total of 20 parking stalls in the parking lot on the

premises on a regular basis. Lessee shall pay to Lessor a monthly parking fee

of $25.00j per month for each stall it occupies during business hours in

addition to Lessee's payment for lease of the premises, which payments shall

be paid together monthly.



2. TERM OF LEASE.



This lease shall commence on January 1, 2004 , and shall continue through

December 31, 2006, for a total of   36**   months. In the event Lessee remains

in tenancy after the expiration of this lease, either party may terminate by

giving the other party written notice of at least thirty (30) days prior

thereto; but without such 30-day written notice this lease shall continue upon

the same terms, covenants and conditions as before, on a month-to-month

tenancy basis until terminated.



<PAGE>



3. RENT AND PAYMENT OF RENT.



A. Basic Annual Rent. For the first year of this lease Lessee agrees to pay to

Lessor monthly as rental for the leased premises the amount of $**** , which

shall be the "Base Lease Payment".



B. Cost of Living Increase: None.



D. Late fees. All late payments shall bear a five percent (5) late fee for

each month for which the payment is received after the fifth day.

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