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, 2000













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)













(State or other Jurisdiction(IRS Employer
Identification No.)













of Incorporation or Organization)











18904 Hwy 99, Suite D, Lynnwood, Washington 98036











(Address of principal executive offices)













(425) 670-8142





(Issuer's Telephone Number)



---







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:  
14,146,395 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:  
$ 38,682











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, 2000 was $4,379,847.











As of September 30, 2000, issuer had 14,146,395 shares of common equity
issued and outstanding.











Transitional Small Business Disclosure Format:  Yes ___  No
X









---



























YOURBANKONLINE.COM, INC.











Form 10-KSB









TABLE OF CONTENTS

















PART I







Page













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 Attaché Holdings, Ltd.  In November
of 1998, Attaché 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".











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.











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.











Description of YourBankOnline Software











YourBankOnline is a browser-based solution designed and developed to
help banks provide a full range of online banking products and services
to their commercial and retail customers.  The system allows the bank's
customers to view balances and transfer money, as well as giving users
the ability to manage their financial activity without leaving the
bank's website, thus creating a strong financial relationship between
the bank and its customers.













Security for YourBankOnline Software











YourBankOnline uses U.S. grade encryption.  This encryption, along with
unique Sign-On ID and password security front-end, provides the
foundation for a secure, reliable interface. In addition, a customer-selected name rather than an account number references customer
accounts.  This ensures the privacy of account information should an
unauthorized individual gain access.













Database for YourBankOnline Software













The software architecture utilizes current Microsoft established
standards for Client/Server access.  The host system runs on an Intel platform
microcomputer running a Microsoft NT Server 4.0 operating system.  The
system runs as a subset of Microsoft's Internet Information Server 4.0
Web Server software, which is shipped with NT Server.  A collection of
databases and Active Server scripts are incorporated on the server
providing the foundation for the YourBankOnline system.  Five
application modules combine to maintain and update the ODBC databases.
These modules are used to maintain timed executions, to query the host
system, update and modify the local databases with the account detail
information, update and modify the local database with the cleared
transaction information, and collect, process, and monitor scheduled
payments.











Bank administrative personnel and customers gain access to the
YourBankOnline system through a standard commercial browser over the
Internet.  This allows the user to gain access from virtually any system
that provides an Internet access point.  This can be a home PC, Office
PC, laptop, or even other Internet capable devices such as Internet
Terminals,  Web enabled television sets, Internet ready telephones, etc.











The Company will offer a variety of service levels including full
hosting and system support to its customers so that they do not have to
hire additional personnel, purchase additional equipment, train
personnel or devote additional development time to the project.
Management believes this program is beneficial for the financial
institution that wants to obtain immediate Internet presence.













The Marketing Strategy for YourBankOnline Software













The Company intends to rapidly establish a national market presence by
leveraging a customer base of community banks.











Marketing Strategy:











The Company will utilize its YourBankOnline system to build the user
base as rapidly as possible and leverage its position to permit banks to
become "Financial Portals", defined as central sites where customers can
use the Internet to manage all their financial transactions, information
and planning.  YourBankOnline will make it easy and economical for banks
to participate in online banking. It is intended that both the banks and
the Company will share in the fee income generated by the online banking
sites.











Sales Strategy:











The range of prices for online banking systems is currently very broad,
from a low of about $30,000 to well over $1 million plus recurring
monthly fees of $1 to $3 per user.  Management believes the sales
strategy for the basic YourBankOnline system should be to minimize the
initial cost to the bank, so that only the Company's hard system costs
and marketing expenses are covered.  This should encourage the banks to
initiate online banking and progress toward becoming a portal that
creates revenue opportunities for both the bank and the Company. The
Company anticipates its initial contracts with individual banks for the
use of the YourBankOnline software will be a fixed fee ranging from
$10,000 - $35,000 depending on services offered.  The Company will
provide, manage, and facilitate the offerings of a variety of products
and services from e-commerce partners.  The Company intends to share the
revenue generated from e-commerce sales with the banks and financial
institutions.











Distribution Strategy:











The Company intends to build a network of relationships with established
companies in order to achieve national market coverage in a short period
of time.  Management is currently in preliminary talks with several
companies that already sell systems related products and services to
target market banks. Their customer relationships should permit fast
access to bank decision makers, and system specialists from
YourBankOnline will provide technical support to close the sale. In
addition, the Company plans on building an internal sales force.











Revenue Plan:











The Company's revenues are projected to come from several sources.
Since the Company is in the development stage, management has used its
best judgment to identify these sources, recognizing that substantial
changes may occur as the









market continues to evolve:











1.     Sales of the basic online banking system, including licensing,
software,









user fees, and installation support.









2.     Sales of system enhancements and newly developed financial service
modules.









3.     Service bureau fees.









4.     Referral revenue and transaction fees from outside product and
service









providers, such as mortgage lenders, stock trading, and equipment
leasing.









5.     Advertising and sponsorship revenues.











Factors in our sales and revenue plan are:











Target Market - The first target market will be all banks and credit
unions with a focus on banks that have higher demographics in the retail
customer base.  The target market is the 1,444 institutions with assets
of $300 million to $10 billion,









which represent over 60 million users.











Turnkey Approach - The Company will provide a turnkey Internet banking
system to create immediate presence without a bank having to add staff,
extensive equipment, and training or development time.  The Company will
establish a service bureau in a central location where server "farms"
will be housed.  These servers will act as the Online Financial
Warehouses for the banks.  YourBankOnline will also provide technical
assistance, customer service, staff training, system upgrades, web page
creative development, and monthly activity reporting. A bank will only
need to provide Internet access, a database transfer file and a staff
member at the bank to work with YourBankOnline representatives.  The
Company will provide the systems and support to help the banks become
portals.













Competition for YourBankOnline Software













The market for Internet banking services and financial software
applications is highly competitive, and we expect that competition will
intensify in the future.  In addition we could experience competition
from our client banks and potential client banks. From time to time,
these potential client banks develop, implement and maintain their own
services and applications.  We compete with a variety of third parties,
including Digital Insight, Edify, Netzee, nFront, FundsXpress, Q-UP,
First Data Direct Banking and S1 Technologies, that employ many
different approaches to providing Internet banking services.  We expect
competition in our markets to increase significantly as new companies
enter our market and current competitors expand their product lines and
services. These new competitors may include non-bank financial
institutions, such as brokerage firms and on-line service providers such
as E*Trade, Intuit, Charles Schwab, Quicken.com and Yahoo!  Finance, all
of which could be dominant competitors given their current position in
the online financial services industry, broad name recognition and
substantial online customer bases.











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
of 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.













GENERAL













Employees













At September 30, 2000 the Company operated with approximately 20
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 most recently in the current fiscal year on the formation
and development the formation YourBankOnline.













Subsequent Events













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



The Company
announced on December 5, 2000 that it has 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") is aimed at providing a simple and seamless method for medical
doctors authenticating and encrypting e-mail prescriptions through the use of
digital signatures, using a protocol known as public key infrastructure ("PKI").











Participants in the demonstration project include 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 pharmacist active
with the Washington Board of Pharmacy.







---









ITEM 2.     DESCRIPTION OF PROPERTY













During this fiscal year 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. As of
September 30, 2000, the Company paid $1,850 per month for this facility.
The Company considers the facility adequate for current purposes.



---













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.







---







PART II













ITEM 5.     MARKET FOR COMMON EQUITY ANDRELATED 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 changes its name to YourBankOnline.com, Inc. and the trading
symbol was changed to "YBOL".  Trading volume and
high/low/closing prices for the past three years are disclosed in the
following table:











Stock Trading Activity







|Quarter Ended | High           | Low            | Close          | Volume        
|------------- | -------------- | -------------- | -------------- | --------------
|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        
|12-31-98      | No
    Trading | No
    Trading | No
    Trading | No
    Trading
|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
|12-31-97      | No
    Trading | No
    Trading | No
    Trading | No
    Trading







On September 30, 2000, the shareholders' list for the Company's common
shares showed 93 registered shareholders and 15,587,300 shares issued
and outstanding.  The transfer agent had to add 559,095 shares
authorized but not issued, and to subtract 2,000,000 shares issued but
rescinded, which then totaled 14,146,395 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, or which were covered
under an S-8 registration for employees and consultants:











On January 18, 2000, the Company issued 30,000 shares of common stock to
Ben W. Reppond for $45,000 and 50,000 shares of common stock to Louis R.
Baransky for $75,000.  The shares of common stock were issued pursuant
to an exemption from registration provided under Section 4(2) of the
Securities Act of 1933.











On January 31, 2000 the Company issued 25,000 shares of its common stock
to Curt Dean Blake for general advisory and business planning services
and 25,000 shares of its common stock to Jim David for general advisory
and business planning services.  No cash was received but management
assumed a non-cash equity value for the stock issuances of $25,000 each,
or $1.00 per share.  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 7, 2000 the Company issued 559,095 shares of its common
stock to HEP Trust, Construction Lien Services and LGA, Inc. dba
CheckProtekt in satisfaction of $559,095 of debts including accrued
interest owed by the Company to these creditors.



|Name                       | Number of Shares | Debt Owing
    (Principal Plus
    Accrued Interest)
|-------------------------- | ---------------- | ----------------------------------------------------
|HEP Trust                  | 85,648           | $      85,648                                       
|Construction Lien Services | 144,400          | 144,400                                             
|LGA, Inc. dba ChekProtekt  | 329,047          | 329,047                                             











On February 10, 2000 the Company issued 41,000 shares of its common
stock to Dean Kalivas for business planning and legal services.  No cash
was received but management assumed a non-cash equity value of the stock
issuance of $33,332, or $0.8333 per share.  The shares of common stock
were issued pursuant to an S-8 registration statement.











On May 22, 2000 the Company issued 125,000 shares of its common stock to
XXX Enterprises, LLC for investor relations services.  No cash was
received but management assumed a non-cash equity value for the stock
issuance of $50,000, or $0.40 per share.  The shares of common stock
were issued pursuant to an exemption from registration provided under
Section 4(2) of the Securities Act of 1933.











Also on May 22, 2000 the Company issued 500,000 shares of its common
stock to Morgan First Guaranty, Inc. for $200,000.  The shares of common
stock were issued pursuant to an exemption from registration provided
under Section 4(2) of the Securities Act of 1933.











On June 19, 2000 the Company issued 50,000 shares of its common stock to
Dean Kalivas for business planning and legal services.  No cash was
received but management assumed a non-cash equity value for the stock
issuance of $50,000, or $1.00 per share.  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 July 14, 2000 the Company issued 2,000,000 shares of its common
stock, a $400,000 convertible debenture and $100,000 in cash to Genesis
Capital Co., Ltd. in connection with its acquisition of Genesis Capital
Co., Ltd.  The acquisition was reported on Form 8-K dated July 24, 2000.
The acquisition of Genesis Capital Co., Ltd. which offers financial
services to financial institutions in the Asian marketplace, primarily
in Korea, would have allowed the Company to access the Asian
marketplace.  On August 15, 2001 the Company and Genesis Capital Co.,
Ltd. entered into a settlement agreement with an effective date of
September 29, 2000.  The settlement agreement provided for the return
and cancellation of the 2,000,000 shares; for the return and voiding of
the $400,000 convertible debenture; for Genesis to keep all monies
advance to Genesis in the amount of $197,647.95; and for mutual
releases.











On August 21, 2000 the Company issued 192,300 shares to thirteen
employees and consultants pursuant to an amended S-8 registration
statement.  No cash was received but management assumed a non-cash
equity value for the stock issuances as follows:



|Name                      | Number of Shares | Non-cash Equity
    Value Per Share | Equity Value
|------------------------- | ---------------- | ----------------------------------- | ------------
|Mary Ann
    Anderson     | 1,000            | $2.5000                             | $ 2,500     
|David Baker               | 2,500            | 2.0000                              | 5,000       
|James J.
    Cerna        | 85,000           | 0.5294                              | 45,000      
|Christopher
    Dieterich | 8,000            | 1.0000                              | 8,000       
|Paul
    Estridge         | 25,000           | 1.0000                              | 25,000      
|Jonathon
    Goody        | 5,000            | 2.0000                              | 10,000      
|Dean
    Kalivas          | 50,000           | 1.0000                              | 50,000      
|Tony Murphy               | 2,500            | 2.0000                              | 5,000       
|Edwina
    Slater         | 1,000            | 2.5000                              | 2,500       
|Sonja
    Ramsey          | 2,000            | 2.5000                              | 5,000       
|Rosendin
    Electric     | 5,000            | 1.0634                              | 5,317       
|Tim Tyler                 | 1,300            | 2.0000                              | 2,600       
|Ed Boress                 | 4,000            | 2.0000                              | 8,000       
|Total                     | 192,300          |                                     | $  173,917  











Also on August 21, 2000 the Company issued 450,000 shares to HEP Trust.
These shares were issued in exchange for 100,000 shares of Series A
preferred stock which has a basis of $10,050.  The shares of common
stock were issued pursuant to an exemption from registration provided
under Section 4(2) of the Securities Act of 1933.











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.







|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                                                      
|Komut 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 September 15, 2000 the Company issued 20,000 shares of its common
stock to Veritas Communications Group, Inc. for $40,000.  The shares of
common stock were issued pursuant to an exemption from registration
provided under Section 4(2) of the Securities Act of 1933.











Also on September 15, 2000, the Company issued 45,000 shares of its
common stock to Wall Street Marketing Group for investor relations
services.  No cash was received but management assumed a non-cash equity
value of $45,000, or $1.00 per share.  The shares of common stock were
issued pursuant to an exemption from registration provided under Section
4(2) of the Securities Act of 1933.











Also on September 15, 2000 the Company issued 1,250,000 shares of its
common stock to Westlake Development Group, Inc. for $500,000.  The
shares of common stock were issued pursuant to an exemption from
registration provided under Section 4(2) of the Securities Act of 1933.







---









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, 2000, approximately $38,682,
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.
We anticipate our operating expenses will increase substantially in
future periods as we increase our sales force, significantly increase
our marketing and branding efforts, continue to develop new distribution
channels, fund greater levels of product development and expand our
support staff and facilities to facilitate our growth.  Accordingly, we
may incur additional losses in future periods.









During the periods covered by the Form 10-KSB, the Company generated no
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 ended 2001.  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 during the
fiscal year ended September 30, 2001.  In future periods, management expects to
derive substantially all of its revenues from products and services
provided to banks, the banks' customers and other participants in the
financial services industry.











FISCAL YEAR ENDED SEPTEMBER 30, 2000 COMPARED TO FISCAL YEAR ENDED SEPTEMBER 30, 1999













Revenues













All revenues during fiscal 1999 and all revenues prior to fiscal 1999
since inception were generated from Contractor's Directory.  The YourBankOnline banking software business generated revenues of $36,357 and
Contractor's Directory, Inc. generated fees of $2,325
during fiscal 2000.











Service revenues
from Contractor's Directory represent fees generated from general contractors, sub-contractors, and various suppliers.  These fees were for Web site
listing, hosting and other Web related services.  Service revenues from
YourBankOnline represent fees generated from banking institutions.  Total service revenues
increased $11,124, or 40%, from $27,558 during fiscal 1999 to $38,682 in fiscal
2000. This increase was attributable to service revenues from YourBankOnline.













Expenses













Total expenses increased $1,836,511, or
484%, from $478,845 during fiscal 1999 to $2,315,356 in fiscal 2000.  This increase
was primarily
attributable to costs incurred to acquire and begin the initial
development of the online banking business.











Amortization expense increased $427,126, or
578%, from $89,378 during fiscal 1999 to $516,504 in fiscal 2000 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 and is being amortized
over its expected useful life of five years until fiscal year 2000 when it was
amortized down to a net remaining value of $20,000.











Advertising, marketing, and travel expense
decreased from $60,934 in fiscal 1999 to $59,072 in fiscal 2000.  These
expenses were costs incurred to purchase the banking software, recruit future
management and employees, and begin to market the Company.









Legal,
accounting, and professional fees increased $252,436 which was
primarily attributed to costs associated with preparing the Company's
initial filing with the Securities and Exchange Commission, on Form
10SB.











Facilities, telephone,
wages and related office expense increased $537,607,
or 313%, from $252,436 during fiscal 1999 to $790,043 in fiscal 2000. This
increase was primarily attributed to general and administrative activities
associated with the banking
software business as well as general and administrative costs associated
with becoming a public reporting company.











Investor relation
expense increased $101,081 and was attributable to
consulting costs incurred to assist the company in public relations,
drafting press releases, public appearances, and the general marketing
of the Company.











Directors' fees decreased $40,000, or
100%, from $40,000 during fiscal 1999 to no fees paid in fiscal 2000.











Interest Expense











Interest expense
decreased $21,746, or 58%, from $51,432 during fiscal 1999 to $29,686 in fiscal 2000.  The
decrease was attributable to a decrease in the average balance of loans payable during
fiscal 2000 as compared to fiscal 1999.













Liquidity and Capital Resources













Through September
30, 2000 we have raised a total of approximately $3,219,432 of capital to fund
the operations of the Company. As of September 30, 2000, we had loan
indebtedness of $107,538.











During fiscal 2000 cash provided by financing activities was $1,451,582.
During fiscal 1999 cash provided by financing activities was $914,683.
The increase was attributed to additional shares issued for cash and
services in fiscal 2000.











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 successfully execute our
strategy.  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 operations significantly.  Our
future capital requirements depend upon many factors, including, but not
limited to:







rate at which we expand our sales and marketing operations;

extent to which we expand our products and services;













extent to which we develop and upgrade our technology and data
network    infrastructure;











occurrence, timing, size and success of acquisitions; and













response of competitors to our service offerings.











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 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.













Personnel













Our future success depends to a significant extent on the ability to
attract and retain qualified personnel. The market for experienced
personnel is competitive, particularly in the areas of Internet
technology and banking related Internet technology.













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 in new and rapidly
evolving markets, including the Internet banking and electronic commerce
markets.  These risks include our ability to:







successfully expand our sales and marketing efforts;

develop and maintain strategic marketing relationships;













promote acceptance of our Internet banking services by customers
of our  client banks;

respond effectively to competitive pressures;













continue to develop and upgrade our technology; and

attract, retain and motivate qualified personnel.













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 $2,315,356 for fiscal the
year ending September 30, 2000. At September 30, 2000, we had an
accumulated deficit of approximately $3,423,489.  We expect to
incur significant operating losses on a quarterly basis in the future.











We will need to generate significant revenues to achieve and maintain
profitability, and we cannot assure you that we will be able to do so.
Even if we do achieve profitability, we cannot assure you that we can
sustain or increase   profitability on a quarterly or an annual basis in
the future.  If our revenues grow more slowly than we anticipate or if
our operating expenses exceed our expectations, our financial
performance will likely be adversely affected.











See "Liquidity and Capital Resources" for further information on our
anticipated capital funding plans.











GOVERNMENT REGULATION











There are currently few laws or regulations that specifically regulate
communications or commerce on the Internet. However, laws and
regulations may be adopted in the future that address issues including
user privacy, pricing, and the characteristics and quality of products
and services.  Any new laws or regulations  relating to the Internet or the manner in which existing laws are
applied to the  Internet could adversely affect our business.  Our
primary customers are banks. The banking industry, including electronic
banking, is regulated heavily, and we expect that this regulation will
affect the relative demand for our products and services.  In addition,
through their ability to regulate our bank customers' system requirements, bank regulators can effectively regulate the required
security systems, communication technologies and other features of our
products and services.  There can be no assurance that federal, state or
foreign governmental  authorities will not adopt new regulations
addressing electronic banking or banking operations generally that could
require us to modify our current or future products and services.











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
ct").  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.







---









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, 2000 AND 1999







TABLE OF CONTENTS





|Independent Auditor's
    Report                              | 2
|------------------------------------------------------------- | -
|                                                              |  
|Consolidated Balance
    Sheet                                | 3
|                                                              |  
|Consolidated Statement
    of Income                          | 4
|                                                              |  
|Consolidated Statement
    of Cash Flows                      | 5
|                                                              |  
|Consolidated Statement
    of Changes in Stockholders' Equity | 6
|                                                              |  
|Noted to Consolidated
    Financial Statements                | 7



---



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, 2000, and the related consolidated statements of income,
accumulated deficit, stockholders' equity and cash flows for the year 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 audit.  The
financial statements of Secure Sign, Inc. and its subsidiary as of September 30, 1999, were
audited by other auditors whose report dated January 7, 2000, on those statements included an
explanatory paragraph that described the need for the Company to obtain adequate financing and
to generate sufficient revenue in order to exist as a going concern discussed in Note 4 to the
financial statements.







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 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, 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 13 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 13.  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 14, 2002



(2)

---



Secure Sign, Inc.

(Formerly Known as
YOURBANKONLINE.COM, INC.)

(Formerly Known as CONSOLIDATED DATA, INC.)

(A
Development Stage Company)

CONSOLIDATED BALANCE SHEETS

September 30, 2000and 1999



|                                                                                                                                     | 2000        |  | 1999       
|------------------------------------------------------------------------------------------------------------------------------------ | ----------- |  | -----------
|ASSETS                                                                                                                               |             |  |            
|Current Assets                                                                                                                       |             |  |            
|Cash
    and cash equivalents                                                                                                        | $97,198     |  | ($1,165)   
|Accounts Receivable                                                                                                                  | 11,080      |  | 0          
|Other
    receivables                                                                                                                | 37,728      |  | 0          
|Total Current Assets                                                                                                                 | 146,006     |  | (1,165)    
|Fixed Assets                                                                                                                         |             |  |            
|Furniture and equipment net of accumulated
    depreciation of $80,004 and $26,519,
    respectively                                 | 4,799       |  | 5,372      
|Total Fixed Assets                                                                                                                   | 4,799       |  | 5,372      
|Other Assets                                                                                                                         |             |  |            
|Directory marketing rights                                                                                                           | 0           |  | 75,000     
|Computer software, net of accumulated
    amortization of  $620,000 and $104,189,
    respectively                                   | 20,000      |  | 535,811    
|Deposits                                                                                                                             | 6,823       |  | 0          
|Total Other Assets                                                                                                                   | 26,823      |  | 610,811    
|Total
    Assets                                                                                                                     | $177,628    |  | $615,018   
|                                                                                                                                     |             |  |            
|LIABILITIES AND STOCKHOLDERS' EQUITY                                                                                                 |             |  |            
|Current Liabilities                                                                                                                  |             |  |            
|Accounts payable and accrued expenses                                                                                                | $267,324    |  | $150,012   
|Dividends payable                                                                                                                    | 4,750       |  | 0          
|Loans
    payable                                                                                                                    | 107,538     |  | 431,926    
|Total Liabilities                                                                                                                    | 374,862     |  | 581,938    
|                                                                                                                                     |             |  |            
|Stockholders' Equity                                                                                                                 |             |  |            
|Common stock, no par value, 50,000,000 shares
    authorized, 14,146,395 and 10,784,000 issued
    and outstanding, respectively     | 3,009,432   |  | 1,131,163  
|Preferred Stock Class A, no par value, 5,000,000 shares
    authorized, 210,000 and 100,000 issued and
    outstanding, respectively | 0           |  | 10,050     
|Preferred Stock Class B, $1 par value, 2,000,000 shares
    authorized, 210,000 and 0 issued and outstanding,
    respectively       | 210,000     |  | 0          
|Deficit accumulated during development stage                                                                                         | (3,421,416) |  | (1,108,133)
|Total Stockholders' Equity                                                                                                           | (201,984)   |  | 33,080     
|Total Liabilities and Stockholder's Equity                                                                                           | $177,628    |  | $615,018   
|                                                                                                                                     |             |  |            



(3)

---



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, 2000 and 1999

And for
the Period From July 14, 1995 (Inception) to September 30, 2000



|                                        | For the Years
    Ended
    September 30, | July 14, 1995 (Inception) to September 30,
|--------------------------------------- | ----------------------------------------- | ------------------------------------------
|                                        | 2000                                      | 1999                                      
|Sales, net                              | $38,682                                   | $27,558                                   
|Cost of
    sales                       | 0                                         | 0                                         
|Gross profit                            | 38,682                                    | 27,558                                    
|                                        |                                           |                                           
|Selling
    Expenses                    | 215,201                                   | 133,597                                   
|                                        |                                           |                                           
|General and
    administrative expenses | 1,728,779                                 | 293,816                                   
|                                        |                                           |                                           
|Income (loss) from operations           | (1,905,298)                               | (399,855)                                 
|                                        |                                           |                                           
|Other
    (Income) Expense              |                                           |                                           
|Other Income                            | 0                                         | 0                                         
|Impairment loss                         | 125,912                                   | 0                                         
|Other expense                           | 247,638                                   | 0                                         
|Interest expense                        | 29,685                                    | 51,431                                    
|Total Other (Income) Expense            | 403,235                                   | 51,431                                    
|                                        |                                           |                                           
|Income (loss) before income taxes       | (2,308,533)                               | (451,286)                                 
|                                        |                                           |                                           
|Provision
    for income taxes          | 0                                         | 0                                         
|Net income (loss)                       | ($2,308,533)                              | ($451,286)                                
|                                        |                                           |                                           
|Net loss per share (basic and diluted)  |                                           |                                           
|Basic                                   | ($0.20)                                   | ($0.04)                                   
|Diluted                                 | ($0.20)                                   | ($0.04)                                   
|                                        |                                           |                                           
|Weighted average number of shares       |                                           |                                           
|Basic                                   | 11,449,224                                | 10,784,000                                
|Diluted                                 | 11,449,224                                | 10,784,000                                



(4)

---



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, 2000 and 1999

And for
the Period From July 14, 1995 (Inception) to September 30, 2000



|                                                                               | For
    the Years Ended
    September 30, | July 14, 1995 (Inception) to
    September 30,
|------------------------------------------------------------------------------ | ----------------------------------------- | ----------------------------------------------
|                                                                               | 2000                                      |                                               
|CASH FLOWS FROM
    OPERATING ACTIVITIES                                       |                                           |                                               
|Net Income (loss)                                                              | ($2,308,533)                              |                                               
|                                                                               |                                           |                                               
|Adjustments to
    reconcile net loss to net cash usedin operating activities: |                                           |                                               
|Amortization                                                                   | 516,505                                   |                                               
|Depreciation                                                                   | 1,879                                     |                                               
|Impairment loss                                                                | 50,912                                    |                                               
|Common stock issued for services                                               | 302,249                                   |                                               
|Decrease (Increase) in receivables                                             | (11,080)                                  |                                               
|Decrease (Increase) in other receivables                                       | (37,728)                                  |                                               
|Decrease (Increase) in marketing rights                                        | 75,000                                    |                                               
|Decrease (Increase) in deposits                                                | (6,823)                                   |                                               
|(Decrease) Increase in accounts payable and
    accrued expenses               | 117,312                                   |                                               
|Total Adjustments                                                              | 1,008,226                                 |                                               
|Net cash used in operations                                                    | (1,300,307)                               |                                               
|                                                                               |                                           |                                               
|CASH FLOWS FROM
    INVESTING ACTIVITIES                                       |                                           |                                               
|Purchase of computer software                                                  | 0                                         |                                               
|Purchase of marketing rights                                                   | 0                                         |                                               
|Purchase of furniture and equipment                                            | (52,912)                                  |                                               
|Net cash used in investing activities                                          | (52,912)                                  |                                               
|                                                                               |                                           |                                               
|CASH FLOWS FROM
    FINANCING ACTIVITIES                                       |                                           |                                               
|Issuance of loan payable                                                       | 234,707                                   |                                               
|Payments on loan payable                                                       | 0                                         |                                               
|Sale of stock                                                                  | 1,216,875                                 |                                               
|Net cash provided in financing activities                                      | 1,451,582                                 |                                               
|                                                                               |                                           |                                               
|Net change in cash and cash equivalents                                        | 98,363                                    |                                               
|Cash and cash equivalents at beginning of year                                 | (1,165)                                   |                                               
|Cash and cash equivalents at end of year                                       | $97,198                                   |                                               
|                                                                               |                                           |                                               
|Supplemental cash flows
    disclosures:                                       |                                           |                                               
|                                                                               |                                           |                                               
|Income tax payments                                                            | $0                                        |                                               
|Interest payments                                                              | $0                                        |                                               
|Common stock issued for services                                               | $302,249                                  |                                               
|                                                                               |                                           |                                               



(5)

---



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, 2000 and 1999

And for
the Period From July 14, 1995 (Inception) to September 30, 2000



|                                                                                                                                                                          | 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                                  
|                                                                                                                                                                          |                  |  |           |  |                                             



(6)

---



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 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, 2000 was $1,790.











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 n 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, 2000 and 1999 the
Company had 50,000,000 shares of authorized Common Stock with no par value and
14,146,395 and 10,784,000 shares issued and outstanding, respectively.  Holders
of Common Stock are entitled to one vote for each share held.

At September 30, 2000 and 1999 the
Company had 5,000,000 shares of Class A Preferred Stock authorized with no par
value and 0 and 100,000 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.  In August 2000, The Company converted all
100,000 shares of Class A Preferred Stock into 450,000 shares of Common Stock.

At September 30, 2000 the Company had
2,000,000 shares of Class B Preferred Stock authorized with no par value and
210,000 shares issued and outstanding.  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
$4,750.





NOTE 4 – FIXED ASSETS









Fixed assets consist of the following as of September 30, 2000 and 1999:





2000

1999Office equipment

$59,803

$6,891Computer software

25,000

25,00084,803

31,891Accumulated depreciation

(80,004)

(26,519)Total

$4,799

$5,372




























NOTE 5 – COMMITMENTS















Operating Leases



The Company leases its office facility and some equipment under non-cancelable operating leases.  These leases expire at various dates through 2003 and may
contain renewal options.  Rent expense for year ended September 30, 2000 and 1999 was
$28,144 and $31,508, respectively.  Future minimum lease obligations resulting from these
agreements are as follows:











|September 30, |              
|------------- | -------------
|2001          | $ 
    22,200
|2002          | 22,200       
|2003          | 22,200       
|2003          | 5,550        
|              | $  72,150    
|              |              













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.







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 2000 and 1999 are as follows:





|                                                              | 2000         |  | 1999      
|------------------------------------------------------------- | ------------ |  | ----------
|Net Earnings (loss)
    from operations                       | ($2,315,356) |  | ($451,286)
|                                                              |              |  |           
|Basic weighted average
    shares                             | 11,449,224   |  | 10,784,000
|Effect of dilutive
    securities:                            |              |  |           
|Convertible preferred stock                                   | 0            |  | 0         
|Dilutive potential
    common shares                          | 11,449,224   |  | 10,784,000
|                                                              |              |  |           
|Net earnings (loss) per
    share from continuing operations: |              |  |           
|Basic                                                         | ($0.20)      |  | ($0.04)   
|Diluted                                                       | ($0.20)      |  | ($0.04)   







NOTE 7 - DEBT











At September 30, 2000 and 1999, the Company had notes payable outstanding in the aggregate
amount of $107,538 and $431,926, respectively. Payable as follows:







2000
1999   .Notes payable to a trust, interest at

10% per annum, due on demand

$                   0
$ 64,000Notes payable to a corporation, interest at
10% annum, due on demand

0
105,582Notes payable to a corporation, interest at
10% annum, due on demand

0
262,344Notes payable to a corporation, interest at
12% annum, due on demand

107,538
0$ 107,538
$ 431,926


















NOTE 8 – INCOME TAXES











The Company did not have any Federal or State income tax expense for the years ended
September 30, 2000 and 1999.   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, 2000 and 1999, there is no difference between the federal statutory tax rate and
the effective tax rate.  At years ended September 30, 2000 and 1999 the Company had available
net operating loss carry-forwards of approximately $3,424,831 and $1,107,768 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 March 2001 the Company terminated its 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.

In February 2001 the Class B Preferred
Stock holders converted in entirety the outstanding 210,000 shares into 876,862
shares of common stock of the Company.  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.

In March 2001 the Company entered into a
two year operating lease for a new office facility.  Terms of the lease consist
of monthly rental in the amount of $300.

In July 2001 the Company settled its legal
proceedings with the Securities and Exchange Commission.  See Note 10.

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,
2000 the Company has accrued wages of $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 – 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.





---







ITEM 8.     CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS













The Company's new auditors are Licher, 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, 2000, 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 Appointed
|--------------------------- | --- | -------------------------
|Pakie V. Plastino, Chairman | 51  | July 1997                
|William D. Doehne, COO      | 47  | July 1997                



Pakie V. Plastino



Mr. Plastino is
Chairman and a Director of the Company. He spends 90% of his time on the affairs
of the Company. The Company has employed him since March 1997.  His
responsibilities include recruiting, coordinating strategy, planning and
marketing.  Mr. Plastino is an officer of Construction Lien and Credit
Services, a Seattle-based company that provides lien filing and collection
services for contractors, and ChekProtekt, a Seattle-based company that provides
check collection services for merchants.  Mr. Plastino has been involved
with Construction Lien and Credit Services since 1993.  Mr. Plastino
resigned as an officer and director on October 4, 2000.



William D. Doehne



Mr. Doehne is the Chief Operating Officer 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.







During the period
October 4, 2000 to Februrary 4,2 001, 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.



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 2000, 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.









Family Relationships













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















---









ITEM 10.     EXECUTIVE COMPENSATION













Between October
1, 1999 and September 30, 2000, Pakie Plastino received $150,000 as compensation for his services
which was accrued as wages 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 2000, 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 2000 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
2000 to any of the officers or directors of the Company to the extent
that they were compensated in excess of $60,000.







---









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, 2000, 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                                       | 14.7%               
|Common         | Plastino
    Children Trust (1)            | 1,600,000                                       | 11.3%               
|Common         | Pakie V.
    Plastino Charitable Trust (1) | 1,200,000                                       | 8.5%                
|Common         | DTEK              
    (2)                 | 2,685,000                                       | 20.0%               
|Total          |                                            | 7,560,000                                       | 54.5%               

















#  Based on 14,146,395 shares outstanding as of September 30, 2000.















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, 2000.









Shareholdings of Directors and Executive Officers









|Title of Class | Name of Beneficial Owner                | Amount & Nature of
    Beneficial
    Ownership | Percent of Class (#)
|-------------- | --------------------------------------- | ----------------------------------------------- | --------------------
|Common         | Pakie
    Plastino, Chairman & Director | 2,075,000 [1]                                   | 11.3%               
|Common         | William
    D. Doehne                   | 250,000                                         | 1.8%                
|Total          |                                         | 5,125,000                                       |                     







#  Based on 14,146,395 shares outstanding as of
September 30, 2000.











[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, 2000,  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.



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, 2000, 1999
and 1998







4.     Consolidated Statement of Loss and Accumulated Deficit for the
years ended September 30, 2000, 1999 and 1998









5.     Consolidated Statement of Cash Flows for the years ended
September 30, 2000, 1999 and 1998







6.     Statement of Statement of Changes in Stockholders' Equity for
the years ended September 30, 2000, 1999 and 1998









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)  No reports on Form 8-K were required to be filed 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
23, 2002



By: /s/ William D.
Doehne









William D. Doehne,
Chairman of the Board and President





Date: December
23, 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 23,
    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 23,
    2002 | /s/ William Doehne             
|--------------------------- | -------------------------------
|                            | William Doehne,  Director & COO
|                            |