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                         [C-3D DIGITAL, INC. LETTERHEAD]

                                                                    EXHIBIT 4.10

                             AMENDMENT TO AGREEMENT

This Amendment to Agreement ("Amendment") is made and entered into this 5TH DAY
of January 2001, by and between Chequemate International, Inc., a Utah
corporation, ("Chequemate"), and United Business Systems, Inc., a Nevada
corporation, with its principal offices located at 360 E. 10th. Drive, Mesa,
Arizona 85210, ("UBS"), upon the following premises:

A.   On March 31st 2000, Chequemate and UBS entered into a Registration Rights
     Agreement, under the terms of which Chequemate agreed to file, on or before
     sixty (60) days after signing, a registration statement on Form S-3, or
     other appropriate registration form (the registration statement"), and to
     include in the registration statement, the shares and warrants issued to
     UBS pursuant to the terms of a Common Stock Purchase Agreement dated March
     31, 2000, and related Warrant of the same date.

B.   Because of various difficulties experienced by Chequemate over the past few
     months, Chequemate has not been able to complete and file a registration
     statement as contemplated, but is now prepared to do so, subject to
     obtaining the consent of UBS and other parties to be included in the
     registration statement.

C.   The parties have agreed to enter into this Amendment, in order to amend the
     provision Referred to above, to allow Chequemate additional time to file
     the registration statement.

NOW, THEREFORE, upon these premises and for good and valuable consideration, the
adequacy of which is hereby acknowledged, the parties agree as follows:

1.   Chequemate agrees to allow UBS to keep the 640,000 shares of restricted
     C-3D Shares (144 stock). The holding period for those shares will begin on
     the date of April 14, 2000. Chequemate will also deliver to UBS a letter
     from C-3D's Securities attorney opinion letter to on or before April 14,
     2001 for the removal of the 144 restrictions.

     i.   In consideration of any liquidated damages arising from Chequmate's
          delinquency to file the registration statement and consistent with the
          intent of the Agreement, Chequemate will immediately deliver to the
          UBS a certificate for 200,000 additional restricted shares and shall
          add these additional shares to the current registration statement (the
          "Liquidated Damages Shares"). The Liquidated Damages Shares shall have
          a gross value of $200,000, based on a market value of $1.00 per share.
          Chequemate shall have sixty (60) days from the date of execution of
          this Amendment, to make the initial filing of the registration
          statement with the U.S. Securities and Exchange

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          Commission ("SEC"). Thereafter, Chequemate agrees to exercise its
          best efforts to prepare such amendments to the registration
          statement, and to diligently undertake such additional work as may
          be necessary to appropriately respond to the comments of the staff
          of the SEC, and to completely and accurately update the
          registration statement in all material respects, as of a recent
          practicable date, to attempt to obtain effectiveness of the
          registration statement as soon as reasonably practicable. UBS
          understands and acknowledges that Chequemate is unable to make any
          covenants or representations as to the effective date of the
          registration statement with the SEC.

     ii.  Also, In consideration of any liquidated damages arising from
          Chequmate's delinquency to file the registration statement and
          consistent with the intent of the Agreement, Chequemate agrees to
          immediately issue to UBS, an additional 640,000 shares of
          Chequemates's restricted common stock (the "Additional Liquidated
          Damages Shares"). The Additional Liquidated Damages Shares shall have
          a gross value of $640,000, based on a market value of $1.00 per share
          refer to paragraph 1 for restriction removal. In the event Chequemate
          at any time proposes to file on its behalf or on behalf of any of its
          shareholders, a registration statement under the Securities Act of
          1933 (the "Act") in any form (the "subsequent registration
          statement"), but not including a registration statement on Form S-4 or
          S-8, or any successor form, for any class of stock that is the same
          as, or similar to the stock issued pursuant to the above paragraph, it
          will give written notice of such proposed subsequent registration
          statement, setting forth the terms of the proposed offering and such
          other information as UBS may reasonably request, at least thirty (30)
          days before the initial filing with the SEC of such subsequent
          registration statement, and offer to include in such filing the stock,
          or any portion thereof, issued pursuant to this paragraph. If UBS
          desires to include all or any of the shares issued pursuant to this
          paragraph in the subsequent registration statement, UBS will advise
          Chequemate in writing within thirty (30) days after the receipt of
          such notice from Chequemate, setting forth the amount of such stock
          for which registration is requested. Chequemate will be required
          thereafter to include in such filing the amount of stock for which
          registration is so requested, and will use its best efforts to effect
          registration under the Act.

2.   Should Chequemate experience additional delays and not be able to complete
     the current registration statement sixty (60) days from the date of
     execution of this amendment, the 10% interest payments will be reinstated
     and retroactive and due from the March 31, 2000 signing date. Interest
     Payments will continue until the 200,000 restricted shares listed in (i)
     paragraph (1) have their restriction removed and become free trading common
     shares.


3.   UBS agrees that it will not sell, in any one week, shares of common stock
     that constitutes more than 10% of Chequemate's weekly trade volume average
     as reported by The American Stock Exchange for the previous week.

4.   Chequemate at its option may repurchase any of the 144 stock from UBS at a
     rate of $2.00 per share up and until April 14, 2001.

5.   In consideration of the undertaking set forth in paragraph 1, i, ii, above,
     UBS agrees to waive

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     and release any claim it may have against Chequemate for failure to file
     a registration statement prior to the date hereof.

6.   UBS agrees to provide such Chequemate with such information and
     documentation, as may be reasonably requested in connection with the
     registration statement and other filings with the SEC.

IN WITNESS WHEREOF, the parties to this Amendment have duly executed it as of
the date and year first above written.

CHEQUEMATE INTERNATIONAL, INC.

/s/ J. Michael Heil
------------------------
By:  J. Michael Heil
Its: CEO Chequemate International, Inc.

Date:  1/16/01


United Business Systems, Inc.

/s/ T. McDermott
-------------------------
By:  T. McDermott
Its: President United Business Services, Inc.

Date:  1/16/01