UNITED STATES SECURITIES AND EXCHANGE COMMISSION









Washington, D.C. 20549











Form 10-KSB







(X)      ANNUAL REPORT UNDER SECTION 13 OR 15(d) OF
THE SECURITIES EXCHANGE ACT OF 1934













For the Fiscal Year Ended:September 30,
2001













Commission file number: 000-26969













SECURE SIGN, INC.











(Name of small business issuer in its charter)





YourBankOnline.com, Inc.

















(Former name of small business issuer)



Colorado, United States

(State or other jurisdiction of incorporation or
organization)



84-1343219

(I.R.S. Employer ID Number)







18904 Hwy 99, Suite D, Lynnwood, Washington
98036











(Address of principal executive offices)













(425) 670-8142





(Issuer's Telephone Number)



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Securities
to be registered pursuant to Section 12(b) of the Act: None







Securities
to be registered pursuant to Section 12(g) of the Act:   15,888,257
Common Shares, no par value







(Title of Class)









Check
whether the issuer (1) filed all reports required to be filed by Section 13 or
15(d) of the Exchange Act during the past 12 months (or for such shorter period
that the registrant was required to file such report(s), and (2) has been
subject to such filing requirements for the past 90 days. Yes ___ No
X













Check if
disclosure of delinquent filers in response to Item 405 of Regulation S-B is not
contained in this form, and no disclosure will be contained, to the best of
registrant's knowledge, in definitive proxy or information statements
incorporated by reference in Part III of this Form 10-KSB or any amendment to
this Form 10-KSB. ___











State the
issuer's revenues for its most recent fiscal year:   $ 6,263











The
aggregate market value of the voting and non-voting common equity held by
non-affiliates based upon the average bid and asked price at September 30, 2001
was $385,848.











As of
September 30, 2001, issuer had 15,888,257 shares of common equity issued and
outstanding.











Transitional Small Business Disclosure Format: Yes ___ No X









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SECURE SIGN, INC.











Form 10-KSB









TABLE OF CONTENTS

















PART I











Item
1.     Description of Business























Item
2.     Description of Property











Item
3.     Legal Proceedings











Item
4.     Submission of Matters to a Vote of Securities
Holders











PART II











Item
5.     Market for Common Equity and Related Stockholder
Matters











Item
6.     Management's Discussion and Analysis or Plan of
Operation











Item
7.     Financial Statements











Item
8.     Changes In and Disagreements With Accountants on
AccountingAnd Financial Disclosure













PART III











Item
9.     Directors, Executive Officers, Promoters and Control
Persons,Compliance With Section 16(a) of the Exchange
Act













Item
10.    Executive Compensation











Item
11.    Security Ownership of Certain Beneficial Owners
andManagement













Item
12.    Certain Relationships and Related Transactions











Item
13.    Exhibits and Reports on Form 8-K







---











PART I











ITEM 1.     DESCRIPTION OF
BUSINESS













Historical Corporate Development













YourBankOnline.com, Inc. (hereinafter also referred to as the "Company"
and/or the "Registrant") is a company in the development stage. The Company was
incorporated July 14, 1995 under the laws of the State of Colorado and was
originally known as Attache Holdings, Ltd. In November of 1998, Attache
Holdings, Ltd became Consolidated Data, Inc.  In February of 2000, Consolidated
Data, Inc. became YourBankOnline.com, Inc. Subsequently, on October 31, 2000,
YourBankOnline.com, Inc. became Secure Sign, Inc.











The Company
was inactive until it acquired Contractor's Directory, Inc. ("Contractor's
Directory") on April 17, 1997 via a stock for stock acquisition in exchange for
1,000,000 shares of the Company's restricted common stock. From 1997 to the
first quarter of 1999, the Company was exclusively involved in the development
of an e-Commerce business designed to fill the needs of the construction
industry. This included development of "contractors-directory.com". Use of
Contractor's Directory allows public information to be downloaded, via the
Internet, and reformatted for ease of use by contractors and suppliers. This
includes credit and building permit information. (See "Contractor's Directory")
Contractor's Directory is a wholly owned subsidiary of the Company.











In March
1999, the Company acquired a software system, "YourBankOnline", which was the
primary focus of the Company during this fiscal year. The Company actively
marketed, sold and supported the software to members of the banking industry
while still maintaining "contractors-directory.com".  In October 2000 the
Company entered into a new business called Secure Sign.  The Company
completed the development stages of the business, but abandoned it in February,
2001.  Subsequent to February 2001, the Company's primary business was the
search for new business opportunities.











Historical Development of YourBankOnline Software













River City
Bank ("River City") of Sacramento, California originally developed
YourBankOnline in 1996 and 1997, and began offering a range of online services,
resulting from YourBankOnline in September of 1997. The system was developed
internally in order to offer state-of-the-art services to River City
Customers.











Following
the successful implementation at River City, management licensed and installed
the system to three community banks located in northern California: Citizens
Bank, Tri-Counties Bank and Auburn National Bank. River City also acted as a
service bureau for these banks (i.e., provided them other computing
capabilities). In 1998, the management of River City decided to focus on the
traditional banking services and did not expand the online banking system to
additional banks.











DTEK
Corporation ("DTEK"), a privately held company located in Boise, Idaho,
purchased YourBankOnline from River City in September 1998 for total
consideration of $410,000. Consideration was a $60,000 down payment and a note
payable of $350,000 due to River City in September 1999.











Prior to
the Registrant's purchase of the YourBankOnline software from DTEK in February
1999, DTEK fronted a license to the software. Global Payment Systems, Inc.
("Global"), a subsidiary of National Data, Inc., was granted a perpetual
worldwide non-exclusive irrevocable transferable right and license to the
YourBankOnline software. Global's license allows them to modify, customize,
sublicense, resell and distribute the system. Global can also transfer its
rights to a third party. Global retains this right and currently markets and
sells a version of the software to financial institutions. Global is and will
continue to be a competitor of the Company. Global does not have rights to
modifications, revisions, additions or any other changes the Company makes to
the software.











Global
agreed to pay DTEK 50% of the first $1,300,000 of license fees received, plus
commissions, plus a final lump sum of $50,000. There is not certain date for the
payment. Global also agreed to operate and maintain the existing YourBankOnline
server sites. Global currently receives an aggregate monthly licensing fee of
$1,100 paid by Citizens Bank, Tri-Counties Bank and Auburn Bank.

Page 1





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In February
1999 the Company purchased YourBankOnline and all rights related to it from
DTEK. Consideration for the purchase was $640,000 payable as follows:







$400,000 through the issuance of 2,000,000 common shares of the Company's

restricted common stock valued at $0.20 per share.



$240,000 paid at the rate of a $10,000 payment for each license sold or through

the issuance of 1,200,000 shares of restricted common stock valued at $0.20 per

share. The agreement required the Company pay the cash or the stock
twelve

months from the date of the contract or by March 10, 2000.









On April
12, 1999, the Company authorized and issued 1,200,000 shares of its restricted
common stock in full satisfaction of its agreements with DTEK.











As part of
the agreement DTEK assigned to the Company all rights and title to the existing
software license between DTEK and Global. This includes payments from River
City, subject to DTEK receiving the balance of the initial licensing revenues as
compensation for its consulting and support. Any residual income will be paid to
the Company which management believes will be immaterial to the on-going
operations of the Company.



In July 2002, the Company sold back to DTEK the YourBankOnline software for the
return of 2,377,000 shares of the Company's common stock and a $20,000
promissory note.































CONTRACTOR'S DIRECTORY, INC.













Historical Development of Contractor's Directory













In 1997,
the Company developed, and currently operates, contractors-directory.com, a
website. This site provides construction contractors with information useful to
their business. Services include listing of notices for liens filed, notices of
building permits, directories of contractors, notices of upcoming bids, and
other similar services of interest to contractors. Contractor's Directory also
provides website development for individual contractors.











The
Company, through loans and contributed services from related companies, has
invested approximately $546,000 in the development of Contractor's Directory.
This has resulted in the production of negligible revenue. The company has
significantly reduced the operations and expenditures associated with the
business. Management does not intend to continue to expand the services and
provide updates to Contractor's Directory. Current plans are to sell,
"spin-off", abandon or otherwise dispose of the subsidiary and/or the operations
of Contractor's Directory, Inc.













Description of Contractor's Directory













Contractor's Directory provides an Internet site that is available to
general contractors, subcontractors, architects, property managers, insurance
companies and other individuals and entities involved in the construction
industry. Subscribers in various categories are able to provide information
about their companies that interested parties can review in the privacy of their
office using DOS or Windows. Each subcontractor or supplier can provide a color
photo and up to eight pages of text describing their company. Additionally, bid
lists, building permits, and credit and lien information will be updated daily
on the website. General contractors and other interested parties can receive
this service for a fee.













Competition for Contractor's Directory













Management
is not aware of other companies offering services similar to the Contractor's
Directory. Currently, general contractors, property managers, engineers,
architects and others in the industry normally find sub-contractors and
suppliers through the standard Yellow Pages or by referral.





SECURE SIGN,
INC.



The Company amended its Articles of Incorporation on October 31, 2000 from
YourBankOnline.com, Inc. to Secure Sign, Inc. and its trading symbol was changed
from "YBOL" to "SECU".



The Company then announced on December 5, 2000 that it had completed the first
development phase of its demonstration project for providing digital signature
capability for physicians writing drug prescriptions for their patients. 
The demonstration project ("IDRX") was aimed at providing a simple and seamless
method for medical doctors to authenticate and encrypt e-mail prescriptions
through the use of digital signatures, using a protocol known as public key
infrastructure ("PKI").



Participants in the demonstration project included Group Telecom of Canada; its
technology services subsidiary, GT Group Telecom Services Corporation; Pat
Reynolds, who once designed the medical billing payments system for the
physician community of British Columbia, Canada; and Joe Vincent, prominent
Mount Vernon, Washington lawyer active with the Washington Board of Pharmacy.



On
October 4, 2000, Pakie V. Plastino resigned as an officer and director and
Joseph Vincent was elected as President, Patrick Reynolds as Vice President, and
Randy Brasmer as Secretary/Treasurer.  Pakie V. Plastino continued on as a
consultant to the Company.  On
February 4, 2001, Joseph Vincent, Patrick Reynolds and Randy Brasmer resigned. 
William Doehne then was elected as President and Coya Cady was elected as
Secretary/Treasurer for the remainder of the fiscal year 2001 and for fiscal
year 2002.

Page 2

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GENERAL













Employees













At
September 30, 2001, the Company operated with approximately 5 employees and
consultants.











There is no
collective bargaining agreement in place.













Development Costs













The Company
is currently a development stage company and no significant revenues have been
earned from the operation of the Company. The majority of the expenditures and
resources of the Company during the previous two fiscal years have been spent on
development of Contractor's Directory and  YourBankOnline, and most recently in
the current fiscal year on the formation and development of Secure Sign. 
By March 31, 2001, the Company had abandoned its attempt to develop and operate
its Contractor's Directory business, its online banking business, and its Secure
Sign business.  Thereafter, the Company has been actively searching for new
business opportunities.













Subsequent Events









In July 2002, the
Company sold back the YourBankOnline software to DTEK in exchange for a $20,000
promissory note due in 36 months bearing interest at the rate of 5% per annum,
and for the return of the remaining shares held by DTEK or its business
associates.

> DTEK
>       1,825,000 sharesZZ Cash
>       52,000 sharesCashell Communications
>       500,000 sharesTotal
>       2,377,000 shares











ITEM 2.     DESCRIPTION OF
PROPERTY













During the
first half of the
fiscal year ending September 30, 2001, the Company rented approximately 1,400 square feet of space at 6912
220th St SW, Mountlake Terrace, Washington, on a month-to-month
basis, for administrative and sales efforts.  The
Company paid $1,850 per month for this facility.  During the last half of
the fiscal year, the Company moved and pays a nominal amount of $300 per month
to the Law Offices of Dean Kalivas, the Company's legal consultant.  The Company considers the
facility adequate for current purposes.

Page 3

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ITEM 3.     LEGAL
PROCEEDINGS













On
September 27, 2000, the Securities and Exchange Commission ("SEC") instituted
cease-and-desist proceedings against YourBankOnline.com, Inc. (formerly known as
Consolidated Data, Inc.) and Pakie V. Plastino pursuant to Section 21C of the
Securities and Exchange Act of 1934. The SEC further instituted public
administrative proceedings against William L. Butcher, C.P.A., the Company's
independent auditor, pursuant to Rule 102(e)(1) of the SEC's Rules of
Practice.



















On February
5, 2001, the Company submitted an offer of settlement which the SEC accepted.
The settlement provided that, without admitting nor denying the findings of the
SEC, except that the Company admits the jurisdiction of the SEC over it and over
the subject matter of the proceeding, the Company consents to the issuance of
the Order Making Findings and the issuance of a Cease-and Desist Order against
the Company from committing or causing any violation or any future violations of
Section 10(b) of the Exchange Act and Rule 10b-5 thereunder.











On July 3,
2001, Pakie V. Plastino submitted an offer of settlement which the SEC accepted.
The settlement provided that Pakie V. Plastino, without admitting or denying the
findings of the SEC, except that he admits the jurisdiction of the SEC over him
and over the subject matter of the proceeding, he consents to the issuance of
the Order Making Findings, the issuance of a Cease-and-Desist Order and the
ordering of Remedial Sanctions.











On July 3,
2001, Williams L. Butcher, C.P.A. submitted an offer of settlement which the SEC
accepted. The settlement provided that William L. Butcher, without admitting or
denying the findings of the SEC, except that he admits the jurisdiction of the
SEC over him and over the subject matter of the proceeding, he consents to the
issuance of the Order Making Findings and the Imposition of Sanctions pursuant
to Rule 102(e) of the Commission's Rules of Practice.











The Company
does not know of any other material, active or pending legal proceedings against
them; nor is the Company involved as a plaintiff in any material proceeding or
pending litigation.











The Company
knows of no other active or pending proceedings against anyone that might
materially adversely affect an interest of the Company.















ITEM 4.     SUBMISSION OF MATTERS TO A
VOTE FOR SECURITY HOLDERS













None.

Page 4





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PART II













ITEM 5.     MARKET FOR COMMON EQUITY
AND RELATED STOCKHOLDER MATTERS













Through
October 21, 1999, the Company's common stock traded on the over-the-counter
electronic bulletin board in the United States, having the trading symbol
"CSDD". Subsequent to October 21, 1999, the Company's common stock was quoted
and traded on the "Pink Sheets". On February 2, 2000 the Company changed its
name to YourBankOnline.com, Inc. and the trading symbol was changed to "YBOL".
On October 31, 2000 the Company again changed its name, to Secure Sign, Inc., and the
trading symbol was changed to "SECU".  Trading volume and high/low/closing prices for the past
four years are
disclosed in the following table:











Stock Trading Activity







|Quarter
      Ended | High             | Low              | Close            | Volume          
|------------------- | ---------------- | ---------------- | ---------------- | ----------------
|12-31-01            | 0.03             | 0.01             | 0.01             | 215,000         
|09-30-01            | 0.25             | 0.02             | 0.03             | 340,700         
|03-30-01            | 0.06             | 0.02             | 0.03             | 142,700         
|03-31-01            | 0.53             | 0.04             | 0.04             | 774,200         
|12-31-00            | 1.50             | 0.19             | 0.47             | 2,501,600       
|09-30-00            | 2.63             | 0.50             | 0.56             | 1,820,600       
|06-30-00            | 5.13             | 1.19             | 1.63             | 1,149,600       
|03-31-00            | 6.00             | 1.00             | 2.63             | 1,338,500       
|12-31-99            | 3.50             | 0.75             | 2.25             | 471,200         
|09-30-99            | 7.50             | 2.25             | 2.69             | 457,530         
|06-30-99            | 31.50            | 1.87             | 4.50             | 2,171,000       
|03-31-99            | 2.00             | 0.12             | 1.81             | 565,000         
|12-31-98            | 0.69             | 0.19             | 0.25             | 78,101          
|09-30-98            | No
      Trading | No
      Trading | No
      Trading | No
      Trading
|06-30-98            | No
      Trading | No
      Trading | No
      Trading | No
      Trading
|03-31-98            | No
      Trading | No
      Trading | No
      Trading | No
      Trading







On
September 30, 2001, the shareholders' list for the Company's common shares
showed 93 registered shareholders and 17,329,162 shares issued and outstanding.
The transfer agent had to add 559,095 shares authorized but not issued, and  subtract 2,000,000 shares issued but rescinded, which then totaled 15,888,257
shares.















The Company
has not declared any dividends on its common or preferred shares since its
incorporation and does not anticipate that it will do so in the foreseeable
future. The present policy of the company is to retain future earnings for use
in its operations and expansion of its business.











The
preferred shares of the Company are not registered and do not trade on any
exchange.











The following is a discussion of securities sold by the Company during the
period covered by this report which were not registered under the Securities
Act:



On October 27, 2000 the Company issued 850,000 shares of its common stock to 15
employees and consultants for a variety of business and consulting services. 
No cash was received but management assumed a non-cash equity value for the
stock issuance of $265,625 or $0.3125 per share.  The shares of stock were
issued pursuant to an exemption from registration provided under Section 4(2) of
the Securities Act of 1933.











On February 8, 2001 the Company cancelled 250,000 shares of the October 27, 2000
issuance, bringing the net issuance to 600,000 shares for a non-cash equity
value of $187,500.



In February and September 2000 the company issued 210,000 shares of Series B
preferred stock for $210,000.  The shares of common stock were issued
pursuant to an exemption from registration provided under Section 4(2) of the
Securities Act of 1933.



Page 5

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|Name                             | Number of
      Series B Preferred Shares
      Exchanged | Purchase
      Price
|-------------------------------- | --------------------------------------------------------- | --------------------
|Dennis Takagusi                  | 20,000                                                    | $ 
      20,000     
|Andrew Steven
      Austin       | 50,000                                                    | 50,000              
|Interfinancial Group,
      Inc. | 25,000                                                    | 25,000              
|Sagerian Family
      Trust      | 10,000                                                    | 10,000              
|Komut Family
    Trust           | 50,000                                                    | 50,000              
|Richard A. Mattingly
      II    | 25,000                                                    | 25,000              
|Michael N.
    Brette            | 20,000                                                    | 20,000              
|Total                            | 210,000                                                   | $
      210,000     

























Subsequently on February 8 and February 27, 2001 the Company issued 846,862
shares of its common stock in exchange for the 210,000 shares of the Series B
preferred stock as follows:















|Name                             | Number of
      Series B Preferred Shares
      Exchanged | Number of
      Shares of Stock
      Received
      From Exchange
|-------------------------------- | --------------------------------------------------------- | ------------------------------------------------------------------
|Dennis Takagusi                  | 20,000                                                    | 98,078                                                            
|Andrew Steven
      Austin       | 50,000                                                    | 230,735                                                           
|Interfinancial Group,
      Inc. | 25,000                                                    | 115,370                                                           
|Sagerian Family
      Trust      | 10,000                                                    | 46,196                                                            
|Kohut Family
    Trust           | 50,000                                                    | 138,587                                                           
|Richard A. Mattingly
      II    | 25,000                                                    | 115,309                                                           
|Michael N.
    Brette            | 20,000                                                    | 92,391                                                            
|Total                            | 210,000                                                   | 846,862                                                           













The shares
of common stock were issued pursuant to an exemption from registration provided
under Section 4(2) of the Securities Act of 1933.







On
February 9, 2001 the company issued 265,000 shares of its common stock to
William H. Chang for $15,000.  The shares of stock were issued pursuant to
an exemption from registration provided under Section 4(2) of the Securities Act
of 1933.



At
September 30, 2001, a correction was made in the 210,000 Series B preferred
stock exchanged for common stock based on a $20,000 refund to Kohut Family
Trust.  Common stock was reduced by $20,000 and a loan payable to Dean
Kalivas was increased by $20,000.



Page 6











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ITEM 6.     MANAGEMENT'S DISCUSSION AND
ANALYSIS AND RESULTS OF OPERATIONS













The
following discussion should be read in conjunction with the financial statements
and related notes included elsewhere in this report. This discussion contains
forward-looking statements that involve risks and uncertainties. Our actual
results could differ materially from the results anticipated in these
forward-looking statements as a result of factors including, but not limited to,
those under "Factors That May Affect Future Results of Operations" below and
elsewhere in this Report.











OVERVIEW











YourBankOnline enables small to medium sized banks to offer their retail
and commercial customers banking and financial services over the Internet. This
product enables banks to offer their customers an array of products, services
and transactions over the Internet in a secure environment. The Company acquired
the YourBankOnline software in March 1999, and from April 1999 to December 1999
our principal activities consisted of recruiting employees, developing our
business strategy, and raising capital for the growth of YourBankOnline. 
Substantially all of our revenue during the fiscal year ending September 30,
2001, approximately $6,263, was generated through licensing fees and other
revenues associated with YourBankOnline operations.



To date,
the majority of our resources have been directed to developing our business
plan, forming exclusive strategic marketing alliances, and building our sales
and marketing, management, and technology personnel for YourBankOnline.



































During the
periods covered by this Form 10-KSB, the Company generated only nominal revenues through
host fees of Contractor's Directory. Payments made to obtain server space from
an unrelated third party, maintenance associated with the web site and general
and administrative expenditures continued. It is unclear whether those companies
under the yearly contracts for hosting services will renew those contracts for
the fiscal year ending 2002. Management does not intend to aggressively seek
renewal of those contracts or to pursue new contracts. Conversely, management
does not intend to incur significant expenses in the maintenance or updating of
the web site. Consequently, management expects the cash flow related to
Contractor's Directory to be nominal, if any,  during the fiscal year ended September 30,
2002.



From
October 4, 2000 through February 4, 2001, the Company started and attempted to
develop a new business venture called Secure Sign which was a business which
provided digital signature capability for physicians writing drug prescriptions
for their patients.  The Company abandoned this effort in February 2001.



From
February 2001 through the end of its fiscal year 2001, the Company devoted all
of its resources to look for new business opportunities.  No such new
business opportunities were located during fiscal year 2001.



Page 7

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FISCAL
YEAR ENDED SEPTEMBER 30, 2001 COMPARED TO FISCAL YEAR ENDED SEPTEMBER 30,
2000













Revenues













The YourBankOnline banking software business generated revenues
of $36,357 and Contractor's Directory, Inc. generated fees of $2,325 during
fiscal 2000.  During fiscal year 2001 the YourBankOnline software business
generated revenues of $6,263.



















Revenues decreased $32,419, or 84%, from $38,682 during fiscal
2000 to $6,263 in fiscal 2001.  This income was attributable only to
service revenues from YourBankOnline.  Neither Contractor's Directory nor
Secure Sign contributed any revenues.























Expenses













Total
expenses increased $1,836,511, or 484%, from $478,845 during fiscal 2000 to
$2,315,356 in fiscal 2001. This increase was primarily attributable to costs
incurred to acquire and begin the initial development of the online banking
business.











Amortization expense decreased $1,799,451, from $2,354,039
during fiscal 2000 to $554,588 in fiscal 2001.  This decrease is primarily
attributable to the abandonment of the online banking business.







Amortization expense decreased $516,504, or 100%, from $516,504 during fiscal
2000 to $-0- in fiscal 2001 as a result of amortization of the Internet banking
software that was acquired in March 1999.  The banking software was
acquired at a cost of $640,000 but is no longer being amortized over its
expected useful life of five years, having been amortized down to a net value of
$20,000.







Advertising, consulting, marketing, and travel expense
increased $58,569 in fiscal 2001, which is primarily attributed to costs
incurred to develop the Secure Sign business and to recruit future management
and employees.









Legal,
accounting, and professional fees decreased $108,363, which is primarily
attributed to a reduction in costs associated with the online banking business.







Facilities,
telephone, wages and related office expense decreased $605,265, from $692,048
during fiscal 2000 to $86,873 in fiscal 2001.  This decrease is primarily
attributed to a reduction in costs associated with the online banking business.







Investor relation expense decreased $122,823 and is attributable to a reduction
in costs incurred to assist the company in public relations, drafting press
released, public appearances, and the general marketing of the Company.











Interest
Expense











Interest
expense decreased $7,772, from $29,686 during fiscal 2000 to $21,914 in fiscal
2001.  The decrease is attributable to a decrease in the average balance of
loans payable during fiscal 2001 as compared to fiscal 2000.



Page 8

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Liquidity and Capital Resources













Through
September 30, 2001 we have raised a total of approximately $192,501 of capital
to fund the operations of the Company. As of September 30, 2001, we had loan
indebtedness of $536,297.











During
fiscal 2001 cash provided by financing activities was $62,461. During fiscal
2000 cash provided by financing activities was $1,451,582. The decrease was
attributed to fewer shares issued for cash and services in fiscal 2001.







Our
existing capital resources will not be adequate to fund our operations for more
than two to six months. We have not sustained positive earnings or cash flow and
we are required to incur significant expenses to be competitive. Consequently,
we will require additional funds during the next two to six months to
execute our strategy of acquiring new business opportunities. Additional financing may not be available on
favorable terms or at all. If we cannot raise adequate funds to satisfy our
capital requirements, we may have to limit our search for new business
opportunities.









We cannot
predict the extent to which investor interest in the Company will lead to future
sales of equity securities to fund our current business plan. It is unlikely
that we will raise significant amounts of capital through borrowing or through
the issuance of other debt instruments. Therefore, in early 2001 we plan on
seeking new capital through the issuance of additional shares of the Company,
either through a public offering or private placement, at prices that have yet
to be determined. Sales of a substantial number of shares of our common stock in
the public market could adversely affect the market price of our common stock.
We may also seek the advice and assistance of investment bankers and other
financial professionals to assist us in raising additional capital and we expect
to pay fee for these services.



















Factors That May Affect Future Results Of
Operations













In addition
to the other information included in this Report, the following factors should
be considered in evaluating our business and future prospects:











Because we
are a Development Stage Company and have a limited operating history, an
investor in our common stock must consider the risks and difficulties frequently
encountered by early stage companies.













We cannot
guarantee that we will succeed in achieving these goals, and there can be no
assurance we will ever achieve or sustain profitability. See "Management's
Discussion and Analysis of Financial Condition and Results of Operations" for
detailed information on our limited operating history.











We incurred
net losses of approximately $498,416 for fiscal the year ending September 30,
2001. At September 30, 2001, we had an accumulated deficit of approximately
$3,925,082. We expect to incur significant operating losses on a quarterly basis
in the future.



















FORWARD-LOOKING STATEMENTS











From
time-to-time, the Company or its representatives may have made or may make
forward-looking statements, orally or in writing. Such forward-looking
statements may be included in, but not limited to, press releases, oral
statements made with the approval of an authorized executive officer or in
various filings made by the Company with the Securities and Exchange Commission
or other regulatory agencies. Words or phrases "will likely result", "are
expected to", "will continue", "is anticipated", "estimate", "project or
projected", or similar expressions are intended to identify "forward-looking
statements" within the meaning of the Private Securities Litigation Reform Act
of 1995 (the "Reform Act"). The Reform Act does not apply to initial registration
statements, including this filing by the Company. The Company wishes to ensure
that meaningful cautionary statements accompany such statements, so as to
maximize to the fullest extent possible the protections of the safe harbor
established in the Reform Act. Accordingly, such statements are qualified in
their entirety by reference to and are accompanied by the following discussion
of certain important factors that could cause actual results to differ
materially from such forward-looking statements.







Page 9

---









ITEM 7.     FINANCIAL
STATEMENTS













Reference
is made to the financial statements and related notes and supplemental data
under Item 13 filed with this report.







SECURE SIGN, INC. AND SUBSIDIARY





(FORMERLY YOUR BANK ONLINE.COM, INC AND





FORMERLY CONSOLIDATED DATA, INC.)





(A DEVELOPMENT STAGE COMPANY)





CONSOLIDATED FINANCIAL STATEMENTS





SEPTEMBER 30, 2001 AND 2000







TABLE OF CONTENTS





|Independent Auditor's
      Report                              | 11
|--------------------------------------------------------------- | --
|                                                                |   
|Consolidated Balance
      Sheet                                | 12
|                                                                |   
|Consolidated Statement of
      Income                          | 13
|                                                                |   
|Consolidated Statement of
      Cash Flows                      | 14
|                                                                |   
|Consolidated Statement of
      Changes in Stockholders' Equity | 15
|                                                                |   
|Noted to Consolidated
      Financial Statements                | 16

Page 10

---



INDEPENDENT AUDITOR'S REPORT









To the Board of Directors and Stockholders of

Secure Sign, Inc. and Subsidiary





(Formerly Your Bank Online.com, Inc., formerly
Consolidated Data, Inc.)





Lynwood, Washington









We have audited the consolidated balance sheet of Secure Sign,
Inc. (a Colorado corporation) and its subsidiary as of September 30, 2001 and
2000, and
the related consolidated statements of income, accumulated deficit,
stockholders' equity and cash flows for the years then ended. These consolidated
financial statements are the responsibility of the Company's management. Our
responsibility is to express an opinion on these financial statements based on
our audits.







We conducted our audit in accordance with auditing standards
generally accepted in the United States of America. Those standards require that
we plan and perform the audit to obtain reasonable assurance about whether the
financial statements are free of material misstatement. An audit includes
examining, on a test basis, evidence supporting the amounts and disclosures in
the financial statements. An audit also includes assessing the accounting
principles used and significant estimates made by management, as well as
evaluating the overall financial statement presentation. We believe that our
audit and the report of the other auditors provide a reasonable basis for our
opinion.





In our opinion the 2001 and 2000 consolidated financial statements
referred to above present fairly, in all material respects, the financial
position of Secure Sign, Inc. and its Subsidiary as of September 30, 2001 and
2000, and
the results of its operations and its cash flows for the year then ended in
conformity with accounting principles generally accepted in the United States of
America.







The accompanying consolidated financial statements have been
prepared assuming that the Company will continue as a going concern. As
discussed in Note 14 to the financial statements, the Company's ability to exist
as a going concern relies on its ability to raise adequate financing. Those
conditions raise substantial doubt about its ability to continue as a going
concern. Management's plans regarding those matters are also described in Note
14. The financial statements do not include any adjustments that might result
from the outcome of this uncertainty.



/s/ Lichter, Weil & Associates









San Diego, California





December 22, 2002



Page 11

---



Secure Sign, Inc.

(Formerly Known as YOURBANKONLINE.COM, INC.)

(Formerly Known as CONSOLIDATED DATA, INC.)

(A
Development Stage Company)

CONSOLIDATED BALANCE SHEETS

September 30, 2001and 2000



|                                                                                                                                           | 2001        |  | 2000       
|------------------------------------------------------------------------------------------------------------------------------------------ | ----------- |  | -----------
|ASSETS                                                                                                                                     |             |  |            
|Current Assets                                                                                                                             |             |  |            
|Cash and
      cash equivalents                                                                                                            | $0          |  | $97,198    
|Accounts
      Receivable                                                                                                                  | 228         |  | 11,080     
|Other
      receivables                                                                                                                    | 0           |  | 37,728     
|Total Current Assets                                                                                                                       | 228         |  | 146,006    
|Fixed Assets                                                                                                                               |             |  |            
|Furniture
      and equipment net of accumulated
      depreciation of $81,884 and $80,004,
      respectively                             | 2,920       |  | 4,799      
|Total Fixed
      Assets                                                                                                                   | 2,920       |  | 4,799      
|Other Assets                                                                                                                               |             |  |            
|Computer
      software, net of accumulated
      amortization of  $620,000 and $620,000,
      respectively                               | 20,000      |  | 20,000     
|Deposits                                                                                                                                   | 0           |  | 6,823      
|Total Other Assets                                                                                                                         | 20,000      |  | 26,823     
|Total
      Assets                                                                                                                         | $23,148     |  | $177,628   
|                                                                                                                                           |             |  |            
|LIABILITIES AND STOCKHOLDERS' EQUITY                                                                                                       |             |  |            
|Current Liabilities                                                                                                                        |             |  |            
|Accounts
      payable and accrued expenses                                                                                                | $361,297    |  | $267,324   
|Dividends
      payable                                                                                                                    | 0           |  | 4,750      
|Loans
      payable                                                                                                                        | 175,000     |  | 107,538    
|Total Liabilities                                                                                                                          | 536,297     |  | 379,612    
|                                                                                                                                           |             |  |            
|Stockholders' Equity                                                                                                                       |             |  |            
|Common
      stock, no par value, 50,000,000 shares
      authorized, 15,888,257 and 14,146,395 issued
      and outstanding, respectively | 3,411,933   |  | 3,009,432  
|Preferred
      Stock Class A, no par value, 5,000,000 shares
      authorized,  0 and 0 issued and
      outstanding, respectively        | 0           |  | 0          
|Preferred Stock
      Class B, $1 par value, 2,000,000 shares
      authorized,  0 and 210,000 issued and outstanding,
      respectively  | 0           |  | 210,000    
|Deficit
      accumulated during development stage                                                                                         | (3,925,082) |  | (3,421,416)
|Total Stockholders' Equity                                                                                                                 | (513,149)   |  | (201,984)  
|Total Liabilities and Stockholder's Equity                                                                                                 | $23,148     |  | $177,628   
|                                                                                                                                           |             |  |            



Page 12

---



Secure Sign, Inc.

(Formerly Known as YOURBANKONLINE.COM, INC.)

(Formerly Known as CONSOLIDATED DATA, INC.)

(A
Development Stage Company)

CONSOLIDATED STATEMENTS OF INCOME

For the
Years Ended September 30, 2001 and 2000

And for
the Period From July 14, 1995 (Inception) to September 30, 2001



|                                          | For the Years
      Ended
      September
      30, | July 14, 1995 (Inception) to September 30,
|----------------------------------------- | --------------------------------------------------- | ------------------------------------------
|                                          | 2001                                                | 2000                                      
|Sales,
      net                          | $6,263                                              | $38,682                                   
|Cost of
      sales                       | 0                                                   | 0                                         
|Gross profit                              | 6,263                                               | 38,682                                    
|                                          |                                                     |                                           
|Selling
      Expenses                    | 288,407                                             | 215,201                                   
|                                          |                                                     |                                           
|General and
      administrative expenses | 244,358                                             | 1,728,779                                 
|                                          |                                                     |                                           
|Income (loss) from operations             | (526,502)                                           | (1,905,298)                               
|                                          |                                                     |                                           
|Other (Income)
      Expense              |                                                     |                                           
|Other Income                              | 0                                                   | 0                                         
|Impairment loss                           | 0                                                   | 125,912                                   
|Settlement expense                        | (50,000)                                            | 247,638                                   
|Interest expense                          | 21,914                                              | 29,685                                    
|Total Other (Income) Expense              | (28,086)                                            | 403,235                                   
|                                          |                                                     |                                           
|Income
      (loss) before income taxes   | (498,416)                                           | (2,308,533)                               
|                                          |                                                     |                                           
|Provision for
      income taxes          | 0                                                   | 0                                         
|Net income (loss)                         | ($498,416)                                          | ($2,308,533)                              
|                                          |                                                     |                                           
|Net loss per share (basic and diluted)    |                                                     |                                           
|Basic                                     | ($0.03)                                             | ($0.20)                                   
|Diluted                                   | ($0.03)                                             | ($0.20)                                   
|                                          |                                                     |                                           
|Weighted average number of
shares         |                                                     |                                           
|Basic                                     | 15,599,328                                          | 11,449,224                                
|Diluted                                   | 15,599,328                                          | 11,449,224                                



Page 13

---



Secure Sign, Inc.

(Formerly Known as YOURBANKONLINE.COM, INC.)

(Formerly Known as CONSOLIDATED DATA, INC.)

(A
Development Stage Company)

CONSOLIDATED STATEMENTS OF CASH FLOWS

For the
Years Ended September 30, 2001 and 2000

And for
the Period From July 14, 1995 (Inception) to September 30, 2001



|                                                                                              | For the Years Ended
      September 30, | July 14, 1995 (Inception) to
      September 30,
|--------------------------------------------------------------------------------------------- | --------------------------------------- | ------------------------------------------------
|                                                                                              | 2001                                    |                                                 
|CASH FLOWS FROM OPERATING
      ACTIVITIES                                                    |                                         |                                                 
|Net Income (loss)                                                                             | ($419,416)                              |                                                 
|                                                                                              |                                         |                                                 
|Adjustments to reconcile
      net loss to net cash used
      in operating
      activities: |                                         |                                                 
|Amortization                                                                                  | 0                                       |                                                 
|Depreciation                                                                                  | 1,880                                   |                                                 
|Impairment loss                                                                               | 0                                       |                                                 
|Common stock issued for services                                                              | 187,501                                 |                                                 
|Decrease (Increase) in receivables                                                            | 10,852                                  |                                                 
|Decrease (Increase) in other receivables                                                      | 37,728                                  |                                                 
|Decrease (Increase) in marketing rights                                                       | 0                                       |                                                 
|Decrease (Increase) in deposits                                                               | 6,823                                   |                                                 
|(Decrease) Increase in accounts payable
      and
      accrued
      expenses                | 93,973                                  |                                                 
|Total Adjustments                                                                             | 338,757                                 |                                                 
|Net cash used in operations                                                                   | (159,659)                               |                                                 
|                                                                                              |                                         |                                                 
|CASH FLOWS FROM INVESTING
      ACTIVITIES                                                    |                                         |                                                 
|Purchase of computer software                                                                 | 0                                       |                                                 
|Purchase of marketing rights                                                                  | 0                                       |                                                 
|Purchase of furniture and equipment                                                           | 0                                       |                                                 
|Net cash used in investing activities                                                         | 0                                       |                                                 
|                                                                                              |                                         |                                                 
|CASH FLOWS FROM FINANCING
      ACTIVITIES                                                    |                                         |                                                 
|Issuance of loan payable                                                                      | 67,461                                  |                                                 
|Payments on loan payable                                                                      | 0                                       |                                                 
|Stock Redemption                                                                              | (20,000)                                |                                                 
|Sale of stock                                                                                 | 15,000                                  |                                                 
|Net cash provided in financing activities                                                     | 62,461                                  |                                                 
|                                                                                              |                                         |                                                 
|Net change in cash and cash equivalents                                                       | (97,198)                                |                                                 
|Cash and cash equivalents at beginning of year                                                | 97,198                                  |                                                 
|Cash and cash equivalents at end of year                                                      | $0                                      |                                                 
|                                                                                              |                                         |                                                 
|Supplemental cash flows
      disclosures:                                                    |                                         |                                                 
|                                                                                              |                                         |                                                 
|Income tax payments                                                                           | $0                                      |                                                 
|Interest payments                                                                             | $0                                      |                                                 
|Common stock issued for services                                                              | $187,501                                |                                                 
|Common stock issued for preferred dividends                                                   | $10,000                                 |                                                 
|                                                                                              |                                         |                                                 



Page 14

---



Secure Sign, Inc.

(Formerly Known as YOURBANKONLINE.COM, INC.)

(Formerly Known as CONSOLIDATED DATA, INC.)

(A
Development Stage Company)

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY

And for
the Period From July 14, 1995 (Inception) to September 30, 2001



|                                                                                                                                                                                    | Number of Shares |  | Amount    |  | Deficit Accumulated During Development Stage
|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---------------- |  | --------- |  | --------------------------------------------
|                                                                                                                                                                                    | Common           |  | Preferred |  | Common                                      
|Balance at
      inception, July 14, 1995                                                                                                                                           | 0                |  | 0         |  | $0                                          
|                                                                                                                                                                                    |                  |  |           |  |                                             
|May 1996
      issuance of 100,000 shares preferred stock Class A                                                                                                                   | 0                |  | 100,000   |  | 0                                           
|                                                                                                                                                                                    |                  |  |           |  |                                             
|June 1996,
      issuance 1,701,000 shares common stock pursuant to 504 Reg. D at $0.0005
      per share                                                                           | 1,701,000        |  | 0         |  | 851                                         
|                                                                                                                                                                                    |                  |  |           |  |                                             
|Net loss July
      14, 1995 to September 30, 1996                                                                                                                                  | 0                |  | 0         |  | 0                                           
|                                                                                                                                                                                    |                  |  |           |  |                                             
|Balance at
      September 30, 1996                                                                                                                                                 | 1,701,000        |  | 100,000   |  | 851                                         
|                                                                                                                                                                                    |                  |  |           |  |                                             
|March 1997,
      issuance of common stock pursuant to 504 Reg. D at $0.0005 per
    share                                                                                          | 225,000          |  | 0         |  | 112                                         
|                                                                                                                                                                                    |                  |  |           |  |                                             
|March 1997,
      issuance of 1,500,000 shares of common stock for directory marketing
      rights at $0.05 per share                                                              | 1,500,000        |  | 0         |  | 75,000                                      
|                                                                                                                                                                                    |                  |  |           |  |                                             
|April 1997,
      issuance of 1,000,000 share of common stock for acquisition of Contractors
      Directory, Inc.                                                                  | 1,000,000        |  | 0         |  | 100                                         
|                                                                                                                                                                                    |                  |  |           |  |                                             
|May 1997,
      issuance of shares for directors fees pursuant to directors' resolution at
      $0.05 per share                                                                    | 500,000          |  | 0         |  | 25,000                                      
|                                                                                                                                                                                    |                  |  |           |  |                                             
|Issuance of
      shares for attorney and secretarial services at $0.05 per share                                                                                                   | 100,000          |  | 0         |  | 5,000                                       
|                                                                                                                                                                                    |                  |  |           |  |                                             
|Net loss for
      year ended September 30, 1997                                                                                                                                    | 0                |  | 0         |  | 0                                           
|                                                                                                                                                                                    |                  |  |           |  |                                             
|Balance at
      September 30, 1997                                                                                                                                                 | 5,026,000        |  | 100,000   |  | 106,063                                     
|                                                                                                                                                                                    |                  |  |           |  |                                             
|October to
      December 1997, issuance of shares pursuant to 504 Reg. D private placement
      at $0.15 per share                                                                | 80,000           |  | 0         |  | 12,000                                      
|                                                                                                                                                                                    |                  |  |           |  |                                             
|August 1998,
      issuance of shares for consulting service at $0.05 per share                                                                                                     | 150,000          |  | 0         |  | 7,500                                       
|                                                                                                                                                                                    |                  |  |           |  |                                             
|September 1998,
      issuance of shares for directors fees pursuant to directors' resolution
      dated May 1, 1997 at $0.05 per share                                            | 1,200,000        |  | 0         |  | 60,000                                      
|                                                                                                                                                                                    |                  |  |           |  |                                             
|Net loss for
      year ended September 30, 1998                                                                                                                                    | 0                |  | 0         |  | 0                                           
|                                                                                                                                                                                    |                  |  |           |  |                                             
|Balance at
      September 30, 1998                                                                                                                                                 | 6,456,000        |  | 100,000   |  | 185,563                                     
|                                                                                                                                                                                    |                  |  |           |  |                                             
|March 1999,
      issuance of shares for consulting services at $0.20 per share                                                                                                     | 25,000           |  | 0         |  | 5,000                                       
|                                                                                                                                                                                    |                  |  |           |  |                                             
|March 1999,
      issuance of shares for legal, accounting, and consulting services at $0.20
      per share                                                                        | 300,000          |  | 0         |  | 60,000                                      
|                                                                                                                                                                                    |                  |  |           |  |                                             
|March 1999,
      issuance of shares for online banking software rights at $0.20 per
      share                                                                                    | 2,000,000        |  | 0         |  | 400,000                                     
|                                                                                                                                                                                    |                  |  |           |  |                                             
|April 1999,
      issuance of shares pursuant to exercise of private placement stock option;
      25,000 shares at $1.00; 25,000 shares at $2.00; and 25,000 shares at
      $5.00 | 75,000           |  | 0         |  | 200,000                                     
|                                                                                                                                                                                    |                  |  |           |  |                                             
|April 1999,
      additional issuance of shares for online banking software at $0.20 per
      share                                                                                | 1,200,000        |  | 0         |  | 240,000                                     
|                                                                                                                                                                                    |                  |  |           |  |                                             
|May 1999,
      issuance of shares for consulting services at $0.20 per share                                                                                                       | 28,000           |  | 0         |  | 5,600                                       
|                                                                                                                                                                                    |                  |  |           |  |                                             
|June 1999,
      issuance of balance of shares for directors fee at $0.05 per share
      pursuant to directors' resolution date May 1, 1997                                        | 700,000          |  | 0         |  | 35,000                                      
|                                                                                                                                                                                    |                  |  |           |  |                                             
|Net loss for
      year ended September 30, 1999                                                                                                                                    | 0                |  | 0         |  | 0                                           
|                                                                                                                                                                                    |                  |  |           |  |                                             
|Balance at
      September 30, 1999                                                                                                                                                 | 10,784,000       |  | 100,000   |  | 1,131,163                                   
|                                                                                                                                                                                    |                  |  |           |  |                                             
|January 2000,
      private placement of 80,000 shares for $120,000                                                                                                                 | 80,000           |  | 0         |  | 120,000                                     
|                                                                                                                                                                                    |                  |  |           |  |                                             
|January 2000,
      private placement of 50,000 shares for non-cash services                                                                                                        | 50,000           |  | 0         |  | 96,875                                      
|                                                                                                                                                                                    |                  |  |           |  |                                             
|February 2000,
      private placement of 559,095 shares in exchange for debt                                                                                                       | 559,095          |  | 0         |  | 96,875                                      
|                                                                                                                                                                                    |                  |  |           |  |                                             
|February 2000,
      S-8 issuance of 41,000 shares for non-cash business planning and legal
      services valued at $33,332                                                        | 41,000           |  | 0         |  | 33,332                                      
|                                                                                                                                                                                    |                  |  |           |  |                                             
|May 2000,
      private placement of 125,000 shares for non-cash investor relations
      services valued at $50,000                                                                | 125,000          |  | 0         |  | 50,000                                      
|                                                                                                                                                                                    |                  |  |           |  |                                             
|May 2000,
      private placement of 500,000 shares for $200,000                                                                                                                    | 500,000          |  | 0         |  | 200,000                                     
|                                                                                                                                                                                    |                  |  |           |  |                                             
|June 2000,
      private placement of 50,000 shares for non-cash business planning and
      legal services valued at $50,000                                                       | 50,000           |  | 0         |  | 50,000                                      
|                                                                                                                                                                                    |                  |  |           |  |                                             
|June 2000,
      private placement of 190,000 shares preferred stock Class B for
      $190,000                                                                                     | 0                |  | 190,000   |  | 0                                           
|                                                                                                                                                                                    |                  |  |           |  |                                             
|July 2000,
      private placement of 2,000,000 shares for acquisition of Genesis Capital
      Co., Ltd, valued at $1,750,000                                                      | 2,000,000        |  | 0         |  | 1,750,000                                   
|                                                                                                                                                                                    |                  |  |           |  |                                             
|August 2000,
      S-8 issuance of 192,300 shares to employees and consultants for non-cash
      services valued at $173,917                                                       | 192,300          |  | 0         |  | 173,917                                     
|                                                                                                                                                                                    |                  |  |           |  |                                             
|August 2000,
      issuance of 450,000 shares to HEP Trust in exchange for 100,000 shares of
      Class A preferred stock                                                          | 450,000          |  | (100,000) |  | 10,050                                      
|                                                                                                                                                                                    |                  |  |           |  |                                             
|September 2000,
      private placement of 20,000 shares for $40,000                                                                                                                | 20,000           |  | 0         |  | 40,000                                      
|                                                                                                                                                                                    |                  |  |           |  |                                             
|September 2000,
      private placement of 20,000 preferred stock Class B shares for
      $20,000                                                                                  | 0                |  | 20,000    |  | 0                                           
|                                                                                                                                                                                    |                  |  |           |  |                                             
|September 2000,
      private placement of 45,000 shares for non-cash investor relations
      services valued at $45,000                                                           | 45,000           |  | 0         |  | 45,000                                      
|                                                                                                                                                                                    |                  |  |           |  |                                             
|September 2000,
      private placement of 1,250,000 shares for $500,000                                                                                                            | 1,250,000        |  | 0         |  | 500,000                                     
|                                                                                                                                                                                    |                  |  |           |  |                                             
|September 2000,
      rescission of 2,000,000 shares issued to Genesis Capital Co.,
Ltd                                                                                             | (2,000,000)      |  | 0         |  | (1,750,000)                                 
|                                                                                                                                                                                    |                  |  |           |  |                                             
|Dividends
      accrued on Preferred Class B                                                                                                                                        | 0                |  | 0         |  | 0                                           
|                                                                                                                                                                                    |                  |  |           |  |                                             
|Net loss for
      year ended September 30, 2000                                                                                                                                    | 0                |  | 0         |  | 0                                           
|                                                                                                                                                                                    |                  |  |           |  |                                             
|Balance at
      September 30, 2000                                                                                                                                                 | 14,146,395       |  | 210,000   |  | $3,009,432                                  
|                                                                                                                                                                                    |                  |  |           |  |                                             
|October 2000
    private placement of 850,000 shares for non cash payment of services to
    unrelated parties                                                                      | 850,000          |  | 0         |  | 265,625                                     
|                                                                                                                                                                                    |                  |  |           |  |                                             
|February 2001
    cancellation of 200,000 shares issued for services                                                                                                                | (200,000)        |  | 0         |  | (78,125)                                    
|                                                                                                                                                                                    |                  |  |           |  |                                             
|February 2001
    conversion of 210,000 shares Class B Preferred Stock into 846,862 shares
    common stock                                                                         | 846,862          |  | (210,000) |  | 220,000                                     
|                                                                                                                                                                                    |                  |  |           |  |                                             
|February 2001
    private placement of 265,000 shares common stock                                                                                                                  | 265,000          |  | 0         |  | 15,000                                      
|                                                                                                                                                                                    |                  |  |           |  |                                             
|Repurchase of
    20,000 shares of common stock and subsequent cancellation                                                                                                         | (20,000)         |  | 0         |  | (20,000)                                    
|                                                                                                                                                                                    |                  |  |           |  |                                             
|Dividends
    accrued on Preferred Class B                                                                                                                                          | 0                |  | 0         |  | 0                                           
|                                                                                                                                                                                    |                  |  |           |  |                                             
|Net loss for
    the year ended September 30, 2001                                                                                                                                  | 0                |  | 0         |  | 0                                           
|                                                                                                                                                                                    |                  |  |           |  |                                             
|                                                                                                                                                                                    | 15,888,257       |  | 0         |  | $3,411,932                                  
|                                                                                                                                                                                    |                  |  |           |  |                                             



Page
15

---



SECURE SIGN, INC. AND SUBSIDIARY





(FORMERLY YOUR BANK ONLINE.COM, INC AND





FORMERLY CONSOLIDATED DATA, INC.)





(A DEVELOPMENT STAGE COMPANY)







NOTES TO CONSOLIDATED FINANCIAL
STATEMENTS





SEPTEMBER 30, 2000 AND 1999







NOTE 1 - NATURE OF OPERATIONS









Secure Sign, Inc. (the "Company"), formerly Your Bank
Online.com, Inc. and Consolidated Data, Inc., was incorporated on July 14, 1995
under the laws of the state of Colorado. Contractor's Directory, Inc.
(Subsidiary) was purchased on April 17, 1999 in a stock for stock transaction
exchange. Contractor's Directory, Inc. is 100% owned by Secure Sign, Inc. and
both companies are collectively referred to as the "Company".









The Company was inactive until it acquired Contractor's
Directory, Inc., a company that was based on the exclusive development of an
e-Commerce business designed to fill the needs of the construction
industry.







In March 1999 the Company purchased a software program "Your
Bank Online" from a financial institution. The Company's focus was then to
actively market, sell and support the software to members of the banking
industry.









During the fiscal year ended September 30, 2000 the Company
pursued both business, online banking and contractor's directory. The Company is
in the development stage and expended all of its resources to build both lines
of business with minimal revenue generation.











NOTE 2 - SUMMARY OF SIGNIFICANT ACCOUNTING
POLICIES











Basis of Consolidation



The consolidated
financial statements for 2000 and 2001 include the accounts of Secure Sign, Inc. and its
wholly owned subsidiary, Contractor's Directory, Inc. All significant
inter-company accounts and transactions have been eliminated upon
consolidation.











Revenue Recognition



The Company
recognizes revenue from sale or use of its products ratably over applicable
contract periods or as services are performed.











Cash and Cash Equivalents



Cash
equivalents are stated at cost. Cash equivalents are highly liquid investments
readily convertible into cash with an original maturity of three months or less
and consist of time deposits with commercial banks.











Allowance for Doubtful Accounts



The Company
establishes an allowance for doubtful accounts on a case-by-case basis when it
believes the required payment of specific amounts owed is unlikely to occur
after a review of historical collection experience, subsequent collections and
management's evaluation of existing economic conditions.











Advertising



Advertising costs
are expensed in the year incurred. Advertising expense for year ended September
30, 2001 was $0 and for the year ended September 30, 2000 was $1,790.



Page 16





---







Fixed Assets



Property and
equipment are stated at cost less accumulated depreciation. Expenditures for
major additions and improvements are capitalized and minor replacements,
maintenance and repairs are charged to expense as incurred. Whenever an asset is
retired or disposed of, its cost and accumulated depreciation or amortization is
removed from the respective accounts and the resulting gain or loss is credited
or charged to income.









Depreciation is computed using the straight-line and
declining-balance methods over the following estimated useful lives:





|Computers                     | 3
      years      
|----------------------------- | -------------------
|Machinery and
      Equipment | 5 to 12
      years
|Furniture and
      Fixtures  | 7
      years      









Intangible Assets



Costs associated
with software and marketing rights are capitalized and amortized using the
straight-line method over fifteen years.









Contingencies



Certain conditions
may exist as of the date the financial statements are issued, which may result
in a loss to the Company but which will only be resolved when one or more future
events occur or fail to occur. The Company's management and legal counsel assess
such contingent liabilities, and such assessment inherently involves an exercise
of judgment. In assessing loss contingencies related to legal proceedings that
are pending against the Company or unasserted claims that may result in such
proceedings, the Company's legal counsel evaluates the perceived merits of any
legal proceedings or unasserted claims as well as the perceived merits of the
amount of relief sought or expected to be sought.









If the assessment of a contingency indicates that it is
probable that a material loss has been incurred and the amount of the liability
can be estimated, then the estimated liability would be accrued in the Company's
financial statements. If the assessment indicates that a potential material loss
contingency is not probable but is reasonably possible, or is probable but
cannot be estimated, then the nature of the contingent liability, together with
an estimate of the range of possible loss if determinable and material would be
disclosed.









Loss contingencies considered to be remote by management are
generally not disclosed unless they involve guarantees, in which case the
guarantee would be disclosed. As of September 30, 2000 and the date of our
report, management has informed us that there are no matters that warrant
disclosure in the financial statements.









Estimates



The preparation of
financial statements in conformity with generally accepted accounting principles
requires management to make certain estimates and assumptions that affect the
reported amounts of assets and liabilities and disclosure of contingent assets
and liabilities at the date of the financial statements and the reported amounts
of revenues and expenses during the reporting period. Actual results could
differ from those estimates. Significant estimates include collectibility of
accounts receivable, accounts payable, sales returns and recoverability of
long-term assets.













Concentration of Credit Risk



Financial
instruments, which subject the Company to credit risk, consist primarily of cash
equivalents and trade accounts receivable arising from its normal business
activities. The Company places its cash in what it believes to be credit-worthy
financial institutions, however, cash balances have exceeded the FDIC insured
levels at various times during the year. The Company actively evaluates the
creditworthiness of the customers with which it conducts business through credit
approvals, credit limits and monitoring procedures.













Impairment of Long-Lived Assets



The Company
evaluates long-lived assets for impairment whenever events or changes in
circumstances indicate that the carrying value of an asset may not be
recoverable. If the estimated future cash flows (undiscounted and without
interest charges) from the use of an asset are less than the carrying value, a
write-down would be recorded to reduce the related asset to its estimated fair
value. The Intangible assets were reviewed during the fiscal year ended
September 30, 2000. This review indicated that the intangible assets, consisting
of computer software and marketing rights, were impaired, based on cash flow
projections over the next three years. Consequently, the carrying value of the
computer software and marketing rights totaling $620,000 and $75,000,
respectively, were written off as a component of operating expenses during the
year ended September 30, 2000.











Earnings Per Share



Earnings per share
are based on the weighted average number of shares of common stock and common
stock equivalents outstanding during each period. Earnings per share are
computed using the treasury stock method. The options to purchase common shares
are considered to be outstanding for all periods presented but are not
calculated as part of the earnings per share.











Income Taxes



Income taxes have
been provided based upon the tax laws and rates in the countries in which
operations are conducted and income is earned. The income tax rates imposed by
the taxing authorities vary. Taxable income may vary from pre-tax income for
financial accounting purposes. There is no expected relationship between the
provision for income taxes and income before income taxes because the countries
have different taxation rules, which vary not only to nominal rates but also in
terms of available deductions, credits and other benefits. Deferred tax assets
and liabilities are recognized for the anticipated future tax effects of
temporary differences between the financial statement basis and the tax basis of
the Company's assets and liabilities using the applicable tax rates in effect at
year end as prescribed by SFAS 109 "Accounting for Income Taxes".











Reclassifications



Certain
reclassifications have been made to the prior years' financial statements to
conform to the current year presentation. These reclassifications had no effect
on previously reported results of operations or accumulated deficit.











NOTE 3 - COMMON STOCK





The Company has
three classes of capital stock: Class A Preferred Stock, Class B Preferred Stock
and Common Stock.

At September 30, 2001 and 2000 the Company had
50,000,000 shares of authorized Common Stock with no par value and 15,888,257
and 14,146,395 shares issued and outstanding, respectively.  Holders of
Common Stock are entitled to one vote for each share held.

At September 30, 2001 and 2000 the Company had
5,000,000 shares of Class A Preferred Stock authorized with no par value and 0
and 0 shares issued and outstanding, respectively.  Holders of Class A
Preferred Stock rank senior to all other equity upon liquidation, dissolution or
winding up and have no voting rights. Dividends are only paid upon declaration
of dividends on common shares at the rate of 4.5:1.  These preferred shares
are convertible into common shares at a conversion rate of 4.5 common shares to
1 preferred share.

At September 30, 2001 and 2000 the Company had
2,000,000 shares of Class B Preferred Stock authorized with $1 par value and 0
and 210,000
shares issued and outstanding, respectively.  Holders of Class B Preferred
Stock rank senior to all other equity except Class A Preferred Stock upon
liquidation, dissolution or winding up and are entitled to one vote for each
share held.  The Class B shareholders are entitled to an annual dividend
rate of 10%, which is cumulative.  As of September 30, 2000 preferred
dividends accrued amounted to $5,250.  During February 2001, the Company
converted all 210,000 shares of Class B stock into Common Stock, including
$10,000 in accrued preferred dividends.  The amount of Common Stock issued
was 846,862 shares.





NOTE 4 - FIXED ASSETS









Fixed assets consist of the following as of September 30, 2001
and 2000:





2001
    
    2000Office equipment
    
    $59,803
    
    $59,803Computer software
    
    25,000
    
    25,00084,803
    
    84,803Accumulated depreciation
    
    (83,762)
    
    (80,004)Total
    
    $1,041
    
    $4,799




























NOTE 5 -
COMMITMENTS















Operating Leases



The Company leases
its office facility and some equipment under a non-cancelable operating lease.



In March 2001, the
Company terminated its old operating lease agreement for its office facility. 
The Company forfeited its lease deposit of $6,823 in full settlement of any
future amounts due to the lessor.  The Company then entered into a two year
operating lease for a new office facility.  Terms of the lease consist of
monthly rent in the amount of $300.  The lessor is a stockholder of the
Company.



Rent expense for year ended September 30, 2001
and 2000 was $21,992 and $28,144, respectively.

| | 
| | 













The Company has entered into a consulting agreement with its
former CEO and Chairman of the Board of Directors, which requires annual
payments of $25,000 for his services.  As of September 30, 2001, this
amount has been accrued and not paid.







NOTE 6 -
EARNINGS PER SHARE













Basic net earnings per share is computed using the weighted
average number of common shares outstanding. The effect of potential common
shares outstanding is not included in diluted net earnings per share as it is
antidilutive. The computations of basic net earnings per share for 2001 and 2000
are as follows:





|                                                                | 2001       |  | 2000        
|--------------------------------------------------------------- | ---------- |  | ------------
|Net Earnings (loss) from
      operations                       | ($498,416) |  | ($2,315,356)
|                                                                |            |  |             
|Basic weighted average
      shares                             | 15,559,328 |  | 11,449,224  
|Effect of dilutive
      securities:                            |            |  |             
|Convertible preferred stock                                     | 0          |  | 0           
|Dilutive potential common
      shares                          | 15,559,328 |  | 11,449,224  
|                                                                |            |  |             
|Net earnings (loss) per
      share from continuing operations: |            |  |             
|Basic                                                           | ($0.03)    |  | ($0.20)     
|Diluted                                                         | ($0.03)    |  | ($0.20)     







NOTE 7 - DEBT











At September 30, 2001 and 2000, the Company had notes payable
outstanding in the aggregate amount of $175,000 and $107,538, respectively.
Payable as follows:







2001
    2000Notes payable to a trust, interest at
      
      10% per annum, due on demand
    
    $         
      20,000
    $           
      0Notes payable to a corporation, interest at 10% annum,
      due on demand
    
    30,000
    0Notes payable to a corporation, interest at 12% annum,
      due on demand
    
    125,000
    107,538$    175,000
    $ 107,538


















NOTE 8 - INCOME TAXES











The Company did not have any Federal or State income tax
expense for the years ended September 30, 2001 and 2000. No future benefit for
the realization of an operating loss carry-forward, in the form of an asset, has
been recognized due to the ongoing nature of the losses and the potential
inability for the Company to ever realize their benefit. For the years ended
September 30, 2001 and 2000, there is no difference between the federal
statutory tax rate and the effective tax rate. At years ended September 30, 2001
and 2000 the Company had available net operating loss carry-forwards of
approximately $3,905,997 and $3,424,831, respectively, after adjusting for
limitation, to be offset against future taxable income. The operating loss carry
forwards will expire at various dates through the year 2015.









NOTE 9 - FAIR VALUE OF FINANCIAL
INSTRUMENTS













The carrying amounts of cash and cash equivalents, accounts
receivable, deposits and accounts payable approximate their fair value because
of the short maturity of those instruments.









The carrying amounts of the Company's long-term debt and
capital lease obligations approximate their fair value because of the short
maturity and/or interest rates which are comparable to those currently available
to the Company on obligations with similar terms.









NOTE 10 - LITIGATION AND CONTINGENCIES













The Company is subject to various claims and legal proceedings
covering a wide range of matters that arise in the ordinary course of its
business activities. Management believes that any liability that may ultimately
result from the resolution of these matters will not have a material adverse
effect on the financial condition or results of operations of the Company.
Listed below are only those matters considered to be material to the Company by
management and its counsel.

















On September 27, 2000 the Securities and Exchange Commission
(SEC) instituted a public cease-and-desist proceeding against the Company, its
Chief Executive Officer (CEO) and its independent auditor. The filing alleged
fraud by the Company and its CEO based on the Company's inflation of the value
of its primary asset, a software program, in a press release and registration
statement.









On October 4, 2000 the Chief Executive Officer of the Company
resigned his position, but remained as Chairman of the Board of
Directors.











On July 3, 2001 the SEC accepted settlement from the Company,
its CEO and its independent auditor, without admitting to or denying the
charges. Terms of the settlement required payments to the United States Treasury
totaling $72,750 by January 3, 2002, and the temporary rescission of the
auditors right to practice before the SEC for a period of one year.



Effective September 2000, the Company rescinded a deal with
Genesis Capital Company, Ltd. and cancelled 2,000,000 shares of its restricted
common stock, which had been issued in relation to the acquisition. 
Related to this, the Company lost an initial $100,000 deposit and additional
expenses of $147,678.











NOTE 11 - SUBSEQUENT EVENTS







In July 2002 the Company sold its Online
Banking Software back to the original owner in exchange for the return of
2,377,000 shares of the Company stock and a note receivable for $20,000, due
July 2005, interest accrued at 5% per annum.



NOTE 12 - RELATED PARTY
TRANSACTIONS

During the fiscal year ended September 30, 2001
and 2000
the Company has accrued wages of $175,000 and $150,000 to Mr. Plastino.  Mr. Plastino
was President and Chairman of the Board of Directors.  Mr. Plastino also
beneficially owned approximately 30% of the Company's common stock outstanding.

NOTE 13 - CLASS B PREFERRED STOCK

In February 2001, the Class B Preferred Stock
holders converted in entirety the outstanding 210,000 shares into 846,862 shares
of common stock of the Company.  The common stock issuance also included
shares to pay accumulated preferred dividends in arrears of approximately
$10,000.  these stockholders were also issued Warrants to purchase one
share of common stock for each Class B Preferred Stock previously owned at $0.75
per share for a period through February 2004.

NOTE 14 - GOING CONCERN





The Company has suffered recurring losses, cash deficiencies,
loan and capital lease defaults, and current liabilities far in excess of
current assets. These issues raise substantial concern about its ability to
continue as a going concern. Management has prepared the following statement in
regards to its plans related to the going concern.



The Company is searching for new business opportunities that
will generate cash flow.  The Company intends on raising capital through
private placements, as it is able and to possibly look for merger candidates.





---







ITEM 8.     CHANGES IN AND
DISAGREEMENTS WITH ACCOUNTANTS













The Company's  auditors are Lichter, Weil and Associates,
9191 Towne Centre Drive, Suite 406, San Diego, California 92122.  The
Company's previous auditor, William L. Butcher, C.P.A., was sanctioned by the
Securities and Exchange Commission and can no longer serve as the Company's
auditor.

































PART III





ITEM
9.     DIRECTORS, EXECUTIVE OFFICERS, PROMOTERS AND CONTROL
PERSONS, COMPLIANCE WITH SECTION 16(a) OF THE EXCHANGE ACT











The table
below lists, as of September 30, 2001, the names of the Directors and Executive
Officers of the Company. The Directors have served in their respective
capacities since their election and/or appointment and will serve until the next
Annual Shareholders' Meeting or until a successor is duly elected, unless the
office is vacated in accordance with the Articles/By-Laws of the Company. The
Executive Officers serve at the pleasure of the Board of Directors. All
Directors and Executive Officers are residents and citizens of the United
States.







Directors and Executive Officers







> Name
>     Age
>     Date Elected or
>       AppointedCoya
>     L. Cady, Secretary/Treasurer
>     34
>     February 2001William D. Doehne, COO
>     47
>     July
> 1997

During the period October 4, 2000 to February 4, 2001 as part of the Secure Sign
transaction, Joseph Vincent served as President and Director, Patrick Reynolds
served as vice-President and Randy Brasmer served as Secretary/Treasurer. 
This management team did not work out satisfactorily for the Company and they
were terminated or resigned on February 4, 2001.  They were replaced by
William D. Doehne as President and Director and by Coya Cady as
Secretary/Treasurer and Director for the balance of fiscal year 2001 and for
fiscal year 2002.



William D. Doehne



Mr. Doehne
is the President and a Director of the Company. He spends 90% of
his time on the affairs of the Company. Mr. Doehne is also the President of
Contractor's Directory, Inc. Mr. Doehne has been associated with Contractor's
Directory since 1995. From 1991 to 1995 he was employed by ChekProtekt.







Coya L. Cady



Ms. Cady is the Secretary/Treasurer and a Director of the Company.  She
spends 90% of her time on the affairs of the company.  Ms. Cady is also the
Secretary/Treasurer of Contractor's Directory, Inc.  From 1996 to 1999, Ms.
Cady owned and operated her own company, Cady Services, Inc., which offered
accounting services.  From 1999 to 2001 Ms. Cady worked for Boldrey
Valuation Advisors as an accountant.



The Company
has no formal plan for compensating its Directors for their service in their
capacity as Directors. Directors are entitled to reimbursement for reasonable
travel and other out-of-pocket expenses incurred in connection with attendance
at meetings of the Board of Directors. The Board of Directors may award special
remuneration to any Director undertaking any special services on behalf of the
Company other than services ordinarily required of a Director. During Fiscal
2001, no Director received and/or accrued any compensation for his services as a
Director, including committee participation and/or special assignments.













Involvement in Certain Legal Proceedings













Steven Everett Coryell











On December
20, 1995, a civil injunctive complaint was filed in the Fourth Judicial District
Court in Boise, Idaho (Cause #CV0C95-06373D) charging that Steven Everett
Coryell, the former Chief Executive Officer of Consolidated Data, and his
company, National Investigative Consultants, Inc. violated the anti-fraud and
registrations provisions of the Idaho Securities Act. The defendants admitted
the allegations in the complaint, which included that they sold securities in
the form of stock, distressed loans packages and limited partnership interests
to 13 residents of the state of Idaho. A judgment was entered against the
defendants on March 27, 1996. The court's order found that the defendants
violated the securities laws and permanently enjoined them from engaging in such
practices in the future. The court ordered full restitution to the investors in
the amount of nearly $345,000. Stipulation for judgment and permanent injunction
was entered on May 13, 1996. Mr. Coryell is the sole owner of DTEK Corporation,
the owner of 2,685,000 common shares of the Company.











Pakie Plastino











On or
around June 11, 1994, Pakie Plastino was barred from acting in any capacity as a
contractor in any federally funded construction project by the U.S. Department
of Education. The term of the exclusion expired on or about August 28, 1995. 
Mr. Plastino is the owner of 2,075,000 common shares of the Company.









Family Relationships













There are
no family relationships between any of the officers and/or directors.















---









ITEM 10.     EXECUTIVE
COMPENSATION













Between
October 1, 2000 and September 30, 2001, Pakie Plastino, the former President,  received $25,000 as
reimbursement for his office expenses which was accrued as wages and
reimbursements payable.







The Company
has no material bonus or profit sharing plans pursuant to which cash or non-cash
compensation is or may be paid to the Company's Directors or Executive Officers.
The Company has no stock option or other long-term compensation program.











During
fiscal 2001, no funds were set aside or accrued by the Company to provide
pension, retirement or similar benefits for Directors or Executive Officers.











The Company
has no plans or arrangements in respect of remuneration received or that may be
received by Executive Officers of the Company in Fiscal 2001 to compensate such
officers in the event of termination of employment (as a result of resignation,
retirement, change of control) or a change of responsibilities following a
change of control, where the value of such compensation exceeds $60,000 per
Executive Officer.  However, on October 4, 2000, upon Pakie Plastino's
resignation as an officer and director, the Company agreed to retain his
services as a consultant and to reimburse Mr. Plastino for the reasonable
expense of maintaining a separate office in an amount not less than $2,500 per
month nor more than $5,000 per month.











The Company
has no written employment agreements.











Other than
that disclosed above, no compensation was paid during Fiscal 2001 to any of the
officers or directors of the Company to the extent that they were compensated in
excess of $60,000.





SUMMARY COMPENSATION TABLE

> Name and
>       Principal Position
>       (a)
>       Year
>       (b)
>       Annual Compensation
>       Long-Term Compensation
>       All Other Compensation
>       ($)
>       (i)Salary
>       ($)
>       (c)
>       Bonus
>       ($)
>       (d)
>       Other Annual
>       Compensation
>       ($)
>       (e)
>       Awards
>       PayoutsRestricted
>       Stock Award(s)
>       ($)
>       (f)
>       Securities
>       Underlying Options/SARs
>       (#)
>       (g)
>       LTIP Payouts
>       ($)
>       (h)William Doehne
>       2001
>       0
>       0
>       0
>       0
>       0
>       0
>       0President
>       2000
>       0
>       0
>       0
>       0
>       0
>       0
>       01999
>       0
>       0
>       0
>       0
>       0
>       0
>       0Coya
>       Cady
>       2001
>       0
>       0
>       0
>       0
>       0
>       0
>       0Secretary/Treas.
>       2000
>       0
>       0
>       0
>       0
>       0
>       0
>       01999
>       0
>       0
>       0
>       0
>       0
>       0
>       0

---









ITEM 11.     SECURITY OWNERSHIP OF
CERTAIN BENEFICIAL OWNERS AND MANAGEMENT













The
Registrant is a publicly owned corporation, the shares of which are owned by
United States residents. The Registrant is not controlled directly or indirectly
by another corporation or any foreign government.











The table
below lists, as of September 30, 2001, all persons/companies the Registrant is
aware of as being the beneficial owner of more than five percent (5%) of the
common stock of the Registrant.



5% Shareholders



> Title of Class
>     Name of Beneficial Owner
>     Amount &
>       Nature of
>       Beneficial
>       Ownership
>     Percent of Class (#)Common
>     Pakie Plastino
>       (1)
>     2,075,000
>     13.1%Common
>     Plastino
>       Children Trust (1)
>     1,600,000
>     10.1%Common
>     Pakie V.
>       Plastino Charitable Trust (1)
>     1,200,000
>     7.6%Common
>     DTEK
>     2,685,000
>     16.9%Total
>     
>     7,560,000
>     47.7%

















#  Based on 15,888,257 shares outstanding as of
September 30, 2001.















The table
below lists all Directors and Executive Officers who beneficially own the
Registrant's voting securities and the amount of the Registrant's voting
securities owned by the Directors and Executive Officers as a group, as of
September 30, 2001.









Shareholdings of Directors and Executive Officers



> Title of Class
>     Name of Beneficial Owner
>     Amount &
>       Nature of
>       Beneficial
>       Ownership
>     Percent of Class (#)Common
>     William D.
>       Doehne
>     250,000
>     1.6%Total
>     
>     250,000







# Based on 15,888,257 shares outstanding as of September
30, 2001.











[1]    Mr. Plastino acquired 225,000 in March 1997; 1,500,000
shares in March 1997; 750,000 in April 1997; 500,000 on May

1, 1997; 1,200,000 on September 30,  1998; and 700,000 in June 1999. Mr.
Plastino divested himself of 2,800,000

shares as follows: 1,600,000 shares were transferred to the "Plastino Children
Trust", an irrevocable trust in which

Mr. Plastino retains no interest or control; and 1,200,000 were transferred to
the "Pakie V. Plastino Charitable Trust",

an irrevocable trust to benefit higher education and cancer research in which
Mr. Plastino retains no interest or

control.





---









ITEM 12.    CERTAIN RELATIONSHIPS AND
RELATED TRANSACTIONS













There have
been no transactions since July 14, 1995 (Date of Inception) through September
30, 2001,  which have materially affected or will materially affect the
Company in which any Director, Executive Officer, or beneficial holder of more
than 10% of the outstanding common stock, or any of their respective relatives,
spouses, associates or affiliates has had or will have any direct or material
indirect interest.



Subsequent Events



During the
fiscal year ended September 30, 2002, the following transactions occurred
involving the issuance of or cancellation of shares of common stock.



|DATE     | PAYEE                                               | CONSIDERATION                               | TOTAL
    SHARES                    
|-------- | --------------------------------------------------- | ------------------------------------------- | ------------------------------------
|11/09/01 | Morgan First Guaranty                               | $125,000 of debt                            | 16,265,787                          
|11/9/01  | J.W. Brown                                          | $  30,000 of debt                           | 3,903,830                           
|11/9/01  | Dean Kalivas                                        | 42,500 in legal fees                        | 5,530,383                           
|12/17/01 | James Cerna                                         | $ 30,000 past wages                         | 2,000,000                           
|1/10/02  | Christopher Dieterich                               | $ 30,000 in legal fees                      | 4,000,000                           
|6/30/02  | William D. Doehne                                   | $ 15,000 past wages                         | 2,500,000                           
|7/1/02   | DTEK
      ZZCash
      Cashell
      Communication | Repurchase of YourBankOnline
      software | 1,825,000
      52,000
      500,000
|9/27/02  | Coya Cady                                           | $ 12,500 past wages                         | 2,000,000                           







---









ITEM 13.    EXHIBITS AND REPORTS ON FORM
8-K













(a) The
following documents are filed as part of this report:







I.    Financial Information



1.     Index to Financial
Statements









2
..    Independent Auditors' Reports







3.     Consolidated Balance Sheets at September 30, 2001 and
2000







4.     Consolidated Statement of Loss and Accumulated
Deficit for the years ended September 30, 2001 and 2000









5.     Consolidated Statement of Cash Flows for the years
ended September 30, 2001 and 2000







6.     Statement of Statement of Changes in Stockholders'
Equity for the years ended September 30, 2001 and 2000









7.     Notes to Financial Statements











II.     Financial
statement schedules required to be filed by Item 8 and paragraph (d) of this
Item 13:









All schedules
are omitted because they are not applicable or the required









information is
shown in the financial statements or notes thereto.











III. The exhibits are listed in the index of
exhibits











(b)  A
report on Form 8-K was filed August 16, 2001, during the last quarter of the
period covered by this report.











(c) The
index of exhibits



3.1 - Articles of
Incorporation*

3.2 - Bylaws*

4.1 - Amendment to
Form D*

10.1 - Settlement Agreement with
Robert Ghim (1)

21.1 - Subsidiaries of the
Registrant*

23.1 - Consent of
Accountants*

99.1 - Certification Pursuant to
Section 13a-14 of the Securities Exchange Act of 1934

99.2 - Certification Pursuant to
Section 13a-14 of the Securities Exchange Act of 1934







* previously filed

(1) filed as exhibit to Form 8-K (filed August 16, 2001)

---







SIGNATURES











Pursuant to
the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934,
the Company has duly caused this report to be signed on its behalf by the
undersigned, thereunto duly authorized.







SECURE SIGN, INC.









a Colorado
corporation











Date:
December 27, 2002



By: /s/ William
D. Doehne









William D.
Doehne, Chairman of the Board and President



Date:
December 27, 2002



By: /s/
Coya Cady

Coya Cady,
Director and Secretary/Treasurer





---





Exhibit
99.1



|Pursuant to the requirements of Rule 13a-14 of the Securities
      Exchange Act of 1934, as amended, Coya Cady provides the following
      certification.     I, Coya Cady, Director
      and Secretary/Treasurer of Secure Sign, Inc. ("Company"), certify
      that:
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|1.                                                                                                                                                                                                                                                                        
|2.                                                                                                                                                                                                                                                                        
|3.                                                                                                                                                                                                                                                                        
|4.                                                                                                                                                                                                                                                                        
|5.                                                                                                                                                                                                                                                                        

|a.     | All significant deficiencies
      in the design or operation of internal controls which could adversely
      affect the Company's ability to record, process, summarize and report
      financial data and have identified for the Company's auditors any material
      weaknesses in internal controls, and                                                 
|------ | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|      
|b.     | Any fraud, whether or not
      material, that involves management or other employees who have a
      significant role in the Company's internal controls; and                                                                                                                                                                                                  
|      
|**6.** | I have indicated in this quarterly report whether or not there were
      significant changes in internal controls or in other factors that could
      significantly affect internal controls subsequent to the date of my most
      recent evaluation, including any corrective actions with regard to
      significant deficiencies and material weaknesses.
|       |                                                                                                                                                                                                                                                                                                                                                                  

|Date: December 27, 2002 | /s/
      Coya Cady                         
|----------------------- | --------------------------------------------
|                        | Coya Cady,  Director and Secretary/Treasurer
|                        |                                             

---

Exhibit 99.2

|Pursuant to the requirements of Rule 13a-14 of the Securities
      Exchange Act of 1934, as amended, William Doehne provides the following
      certification.     I, William Doehne,
      Director and Chief Operating Officer of YourBankOnline.com, Inc.
      ("Company"), certify that:
|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|1.                                                                                                                                                                                                                                                                                             
|2.                                                                                                                                                                                                                                                                                             
|3.                                                                                                                                                                                                                                                                                             
|4.                                                                                                                                                                                                                                                                                             
|5.                                                                                                                                                                                                                                                                                             

|a.     | All significant deficiencies
      in the design or operation of internal controls which could adversely
      affect the Company's ability to record, process, summarize and report
      financial data and have identified for the Company's auditors any material
      weaknesses in internal controls, and                                                 
|------ | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|      
|b.     | Any fraud, whether or not
      material, that involves management or other employees who have a
      significant role in the Company's internal controls; and                                                                                                                                                                                                  
|      
|**6.** | I have indicated in this quarterly report whether or not there were
      significant changes in internal controls or in other factors that could
      significantly affect internal controls subsequent to the date of my most
      recent evaluation, including any corrective actions with regard to
      significant deficiencies and material weaknesses.
|       |                                                                                                                                                                                                                                                                                                                                                                  

|Date: December 27, 2002 | /s/
      William Doehne       
|----------------------- | -------------------------------
|                        | William Doehne,  Director & COO
|                        |