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, 2003













Commission file number:
000-26969













SVC FINANCIAL SERVICES, INC.











(Name of small business issuer in its charter)













Secure Sign, Inc.











(Former name of small business issuer)













Colorado, USA 84-1343219











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













of Incorporation or Organization)











235 Montgomery Street, Suite 958, San Francisco, California 94104











(Address of principal executive offices)













(866) 370-9600





(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:  
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:  
$0











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, 2003 was $________________.











As of September 30, 2003,
issuer had 1,989,251 shares of common equity
issued and outstanding.











Transitional Small Business Disclosure Format:  Yes ___  No
X

---























SVC FINANCIAL SERVICES, INC.











Form 10-KSB









TABLE OF CONTENTS





























PART I

ITEM 1. DESCRIPTION OF BUSINESS

ITEM 2. DESCRIPTION OF PROPERTIES

ITEM 3. LEGAL PROCEEDINGS

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



PART II

ITEM 5. MARKET FOR COMMON EQUITY AND RELATED STOCKHOLDER MATTERS

ITEM 6. MANAGEMENT'S DISCUSSION AND ANALYSIS

ITEM 7. FINANCIAL STATEMENTS

ITEM 8. CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON
ACCOUNTING AND FINANCIAL DISCLOSURE

ITEM 8A. 
CONTROLS AND PROCEDURES



PART III

ITEM 9. DIRECTORS, EXECUTIVE OFFICERS, PROMOTERS AND CONTROL PERSONS

ITEM 10. EXECUTIVE COMPENSATION

ITEM 11. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND
MANAGEMENT

ITEM 12. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS

ITEM 13. EXHIBITS AND REPORTS ON FORM 8-K

ITEM 14. PRINCIPAL
ACCOUNTANTS FEES AND SERVICES



---











PART I











ITEM 1.      DESCRIPTION OF BUSINESS













Historical Corporate Development













SVC Financial
Services, Inc. (hereinafter also referred to as the "Company" and/or the
"Registrant") is a company in the development stage. The Company was
incorporated July 14, 1995 under the laws of the State of Colorado and was
originally known as Attache Holdings, Ltd.  In November of
1998, Attache Holdings, Ltd became Consolidated Data, Inc. In February of 2000,
Consolidated Data, Inc. became YourBankOnline.com, Inc. Subsequently, in
October, 2000, YourBankOnline.com, Inc. became Secure Sign, Inc. and in October
2003, after completing a merger with Pocketpass.com, Inc., the Company changed its name to SVC Financial Services, Inc.











About SVC









SVC is a transaction management company that provides
integrated financial services and value-added software for accelerating sales.
SVC has pioneered a scalable, integrated media and transaction management
solution, the Mazarin Media Platform that provides rapid application delivery
for any size organization.  We enable our customers to deliver smart
applications that inspire consumers to make immediate, informed decisions. SVC
solutions have a broad range of applicability and provide tremendous value to
clients in music and entertainment, political, non-profit, research and testing,
as well as corporate and consumer marketing areas.



The SVC Family of Products



The Mazarin Media Platform ("MMP")









## 









SVC's
Mazarin Media Platform allows digital content to be distributed securely across
peer-to-peer networks, enterprise networks and the Internet. Copyright
holders-authors, musicians, filmmakers, software developers and others will be
able to take full advantage of the Internet as a powerful distribution channel
only if their creations are appropriately protected. Software piracy drains an
estimated $12 billion each year from the economy and from thousands of
businesses large and small.









The Mazarin Media
Platform is :









-        A robust digital rights management system.





-        A world class multipurpose payment platform.





-        Designed for online and offline transactions, micropayments, and
peer-to-peer e-commerce.





-        Digital content catalog management, to
associate pricing and business rules with content.







-        DRM encoding and licensing management
application.

-        True Multi-Media: Music, Video, Print.



Unbanked is the term applied by the banking industry to those without banking accounts. Many
of these individuals must use check-cashing services where they have to pay hefty fees.  SVC
has developed electronic, prepaid payment solutions particularly suited to those that do not have
traditional banking relationships. Our solutions provide the unbanked with the freedom to spend
their money everywhere that Visa and MasterCard are accepted, or use an ATM, with their own
personalized card.



Businesses with unbanked, transient, large, or remotely located employees face difficult payroll
challenges. The SVC solution reduces costs for the employer, provides benefits to the card
holder. With easy implementation, administration, and control, employers benefit by:

- Simplifying and safeguarding payroll with simple batch-loading or ACH to card process

- Cutting expensive overhead due to check distribution

- Helping to dramatically reduce check fraud

- Ending termination pay issues

- Streamlining payroll with reloadable cards, and easily replacing lost cards with no loss of funds

Employees may benefit by taking home more pay due to the elimination of costly check cashing
fees and having an electronic payment card to use at over one million locations. With
card-to-card transfers, funds can be sent to family and friends at a fraction of current costs.

















System Features:







Security

SSL (Secure Socket Layer) protocol security, maybe look at DES encryption
and 768-bit RSA public key technology, as well as SET (Secure Electronic
Transaction) capable encryption and authentication.



Real-time payments

Real-time authorization (financial institution approval of the sale) and capture
(depositing and settling a payment) enable the MDS to complete the transaction
immediately, without compromising security, and to guarantee funds before
releasing (downloading)/ shipping product.



Multiple payment services

Credit cards are the primary choice of fund loading an SVC account, however
other Internet payment methods, including electronic checks and cash, have
become common forms of payment. Thus our customers will likely want to offer
multiple payment methods from the outset.

Queries of transaction records





-    Reviewing the status of orders,
voids, and returns







-    Direct input of credit card
numbers



What does
The Mazarin Platform do?









## 



-        Mazarin manages the total cardholder and Master Account Holder
experience

-        Mazarin connects to Bank Platforms





-        Mazarin has an On-line payment center

-        Mazarin is completely integrated, so can manage  Bank network and
private network financial transactions

-        Mazarin can manage Money Transfer- Card to Card or country to
country

-        Mazarin manages Multi-pursed accounts tied to Bank Debit Card

-        Mazarin manages Private Internet purse- micro payments







Mazarin can issue and manage
Prepaid Debit Cards (Private Brand)







-        Multi-Bank

-        Virtual Visa Cards

-        Prepaid Visa

-        Prepaid Master Card

-        Retail PIN ( anonymous) Cards with upgrade to Visa

-        Private brand PIN Card

-        Multi-purse technology



Mazarin can
issue and manage Stored Value Cards



-        Card Issuance

-        Issue Card, Assign to Consumer

-        Card Management

-        Activate, Deactivate

-        Card Loads

-        Load Card with Money

-        Master Account Holders & Distributors

-        Setup, Reporting







In an extended retail role, Mazarin is able to manage all Merchant needs:





-        Merchant Enrollment

-        Online Enrollment

-        Automated Approval / Decline Process

-        Secured Online Access

-        User ID & Password Authentication

-        Merchant Profile

-        Online Reporting

-        Current Settlement

-        Settlement History

-        Financial History

-        Rates and Fees







On the consumer side Mazarin
will manage:





-        Online Registration & Approval

-        Secured Online Access

-        User ID & Password Authentication

-        Consumer Profile

-        Online Deposits & Withdrawals

-        Debit Card, Credit Card, Check, Bank Wire, Money Order, Western
Union, etc.

-        Online Transfers

-        Consumer to Consumer, Consumer to Merchant , Card to Card

-        Server Wallet

-        Reporting

-        Monthly Statement

-        Current Activity

-        Financial History







Mazarin can manage all
aspects of the Purchase cycle:







-        Payment Vehicles

-        Internet, POS, Mobil Phone, Wireless Devices

-        Payment Methods

-        Credit Cards, Debit Cards, Payment Account, ACH

-        Purchase Calculations

-        Rates & Fees

-        Rewards & Rebates

-        Sales Commissions







A vital
part of Mazarin is its service center:









-        Employee Access

-        UserID & Password Sign In

-        Merchants

-        Search & Lookup, Contact Log, Financial Activity Review, Profile
Update, Set Rate & Fees, Credit / Debit

-        Consumers

-        Search & Lookup, Contact Log, Financial Activity, Profile Update,
Pending Purchase Review, Credit / Debit

-        Sales Org

-        Search & Lookup, Contact Log, Financial Activity, Profile Update,
Commission Review, Credit /Debit

-        Supervisors

-        Work Assignment, Reporting





The Mazarin Platform's
Accounting capabilities include:



-Merchant Settlements

-        Employee Access

-        UserID & Password Sign In

-        Work Queues & Reporting

-        Deposits

-        Withdrawals

-        Pending Purchases









Mazarin management features
include:







-        Management Access

-        UserID & Password Sign In

-        Reporting

-        Key Business Indicators

-        Merchant Financial Summaries

-        Consumer Financial Summaries

-        Sales Performance

-        Employee Productivity













GENERAL













Employees













At September 30,
2003 the Company had no employees and operated with one consultant.





















Development Stage













The Company is
currently a development stage company and no significant revenues have been
earned from the operation of the Company.













Subsequent Events













The Company
announced on October 1, 2003 that it has completed its merger with Pocketpass.com,
Inc. and changed its name to SVC Financial Services, Inc.  See Item 6:
Management's Discussion and Analysis and Results of Operations for more detail.

---













ITEM 2.     DESCRIPTION OF PROPERTY













None.



---













ITEM 3.      LEGAL PROCEEDINGS



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 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.  Terms of the
settlement required payments to the United States Treasury totaling $72,750 by
January 3, 2002, and the temporary rescission of the auditor's right to practice
before the SEC for a period of one year.











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













On March 3, 2003, the Company's shareholders voted to approve the acquisition of
Pocketpass.com, Inc. (Please see 14C filed March 5, 2003).





---







PART II













ITEM 5.     MARKET FOR COMMON EQUITY AND RELATED STOCKHOLDER MATTERS













Through October
21, 1999, the Company 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
common stock was quoted and traded on the "Pink Sheets".  On February 2,
2000 the Company changed its name to YourBankOnline.com, Inc. and the trading
symbol was changed to "YBOL".  On November 3, 2000, the Company
changed its name to Secure Sign, Inc. and the trading symbol changed to "SCSN"
and on November 21, 2003, the Company once again changed its name to SVC
Financial Services, Inc. and now trades on the "Pink Sheets" under the symbol "SVCX".  Trading volume and
high/low/closing prices for the past three years are disclosed in the
following table.  The Company conducted a 25 for 1 reverse split of its
common shares on March 14, 2003 and the figures below reflect that split.











Stock Trading Activity







|Quarter Ended | High | Low  | Close | Volume   
|------------- | ---- | ---- | ----- | ---------
|09-30-03      | 0.90 | 0.18 | 0.18  | 0        
|06-30-03      | 1.00 | 0.25 | 0.85  | 0        
|03-31-03      | 1.00 | 0.03 | 0.75  | 0        
|12-31-02      | 0.03 | 0.00 | 0.01  | 0        
|09-30-02      | 0.01 | 0.02 | 0.01  | 352,400  
|06-30-02      | 0.01 | 0.01 | 0.01  | 63,800   
|03-31-02      | 0.01 | 0.02 | 0.01  | 87,500   
|12-31-01      | 0.03 | 0.01 | 0.01  | 215,000  
|09-30-01      | 0.25 | 0.02 | 0.03  | 340,700  
|06-30-01      | 0.06 | 0.02 | 0.03  | 142,700  
|03-31-01      | 0.53 | 0.04 | 0.04  | 774,200  
|12-31-00      | 1.50 | 0.19 | 0.47  | 2,501,600







On September 30, 2003,
the shareholder list for the common shares of the Company showed 93 registered
shareholders and 1,989,251 shares issued and outstanding. Our transfer agent
currently reflects that there were 3,835,590 shares of common stock outstanding
as of September 30, 2003.  Of this amount, 2,000,000 shares were issued in
error by the share transfer agent and were subsequently cancelled, with 180,000
shares issued in correction.  The Company is also in the process of
investigating the nature of the remaining 26,338 share discrepancy, which is
believed to be attributable to inconsistent issuances during fiscal 2002, but
does not believe the difference will result in any material changes to the
accompanying financial statements.















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.











There were no securities sold by the Company during
the period covered by this report which were not registered under the
Securities Act, or which were not covered under an S-8 registration for
employees and consultants.

















---











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













GENERAL







On March 7, 2003 the Company entered into a Share Exchange Agreement with Pocketpass.com,
Inc.  The Agreement states that the Company will acquire all of the issued and outstanding shares
of Pocketpass.com, Inc. in exchange for 25,000,000 restricted shares of its common stock, post
reverse stock split.  Completion of the agreement was subject to various conditions.

As of October 1, 2003 all conditions were met and the Share Exchange Agreement
was finalized and the name of the
company was changed to SVC Financial Services.  Offices were established in the heart of
California's Silicon Valley.



During March 2003, the Company filed a Form 14C under SEC Rule 14c-101 which is an
information statement to shareholders of the Company.  The statement was to inform
shareholders that the Company had authorized the issuance of up to 25,000,000 shares (post
reverse stock split) of restricted common stock to acquire the company known as
Pocketpass.com, Inc. ("Pocketpass") as a wholly owned subsidiary of the Company.

SVC's background was in developing a micro-payment product for Internet purchases, however
we determined that a larger and more profitable market was possible if the company transitioned
to a full service Internet transaction company. One of the main challenges with that strategy was
that the internet transaction business has become something of a commodity business in the last
2-3 years, with price being the main driving force.

After a thorough analysis of the market, SVC adopted a strategy of creating value added software
applications that offer a unique range of user services. The goal of these services is to drive
transactions to the SVC gateway. To supply our users and partners with these services SVC
provides an integrated suite of secure electronic payment, web application, development digital
rights management and multimedia authoring solutions. Our customer focus is on four vertical
markets: the entertainment industries (downloaded music/movies, corporate marketing, the
un-banked and the political/non-profit arena.



SVC has created a real solution to the pirated music/Intellectual Property issue facing the
record/film industry. It has all the security features that the content providers are looking for plus
a high degree of user transparency, so it doesn't get in the way of the user at all. The attribute that
really pulls it all together is that the product has a built in micro-payment system that is much
cheaper per transaction than anything on the market today, so selling a song at 99 cents using this
system leaves more money on the table for both the content provider and the download service.

SVC has built and delivered a platform that has a Digital Rights Management and sales system
that is fully integrated with a multipurpose payment platform and designed for online and offline
transactions, micro-payments, and peer-to-peer e-commerce. The ongoing concern of intellectual
property owners is consumers that might buy a digital product, copy that file and put it on the
web for all to see and download.

The SVC product (The Mazarin Platform) enables authors, musicians, filmmakers, software
developers and others to take full advantage of the Internet as a powerful distribution and
marketing channel, while at the same time protecting their rights and ensuring that they get paid.

The SVC gateway incorporates advanced security and fraud detection technology which reduces
transaction overhead by significantly reducing chargeback costs. Our gateway is capable of
handling over 2.5 million transactions per day and supports Stored Value Accounts, Membership
Management, Loyalty Programs and Advanced Online Reporting & CRM.

In addition to the serving the entertainment industry, SVC has recently entered the political arena
by creating a unique application called IPP (Interactive Political Profile). This application allows
a rich media message to be placed directly on a voter's desktop, offering a real opportunity for
real time polling and real time messaging to the voter. This product is particularly attractive to
the political area right now because of the McCain - Goldfein Bill that recently passed and
becomes law this year. Of particular interest at this time is SVC's push into the "un-banked"
market with an innovative and unique solution using Mobile Technology.

Significant Developments

In December of 2003 SVC announced:

The appointment of Chris Sorenson as vice president of operations. A veteran executive of
numerous early stage companies, Sorensen has extensive experience with all aspects of early
stage operations including business strategy planning, technology design and development,
executive leadership, sales, and online marketing. Mr. Sorensen brought to SVC a unique
combination of skills and experience that included both Internet payment systems and digital
content management, two of SVC's core areas. Mr. Sorensen has been tasked with SVC's
payment services, digital rights management and stored-value card businesses.



The completion of a follow-on round of investment from current investors. The new funding was
used to accelerate the company's launch in growth markets related to cash and web-based
micro-payment systems, digital rights management and pre-paid stored-value cards.

The signing of a national sales agreement with Early Harvest, a national sales and marketing
firm. Early Harvest provides SVC the benefits of a dynamic sales force that is extremely active in
its target markets without the need for increasing overhead through additional headcount.

During the first quarter of 2004 SVC announced:

The appointment of Bradford C. Auerbach to provide advice and counsel for SVC's media
business development.



Mr. Auerbach is a highly esteemed business development and legal affairs professional who has
held senior executive positions at industry leaders such as Marine Channel Enterprises, Starz
Encore Media Group, Measat/ASTRO, Philips Media and Walt Disney Studios. He also has
worked extensively with innovative media organizations such as Warner Music Group, Flexplay,
DVD Entertainment Group and the J. Paul Getty Museum.

The acquisition of XMLAuthor, Inc.
in March, 2004, a privately held software development company with
headquarters in Draper, Utah and offices in Phoenix, Arizona.



In late March,
2004, the Company entered into a binding letter of intent to acquire "XML
Author", a corporation, from its shareholders, Rob Adamson and John Wunderli. 
The terms of the acquisition call for the payment of $400,000 in cash and an
additional $400,000 in common stock of the Company, appraised at the closing and
again one year later, to assure that their market value is at least $400,000. 
An initial payment of $25,000 was due and paid on acceptance of the Letter of
Intent, and an additional $5,000 per month has been paid and will be paid
pending official closing.  These sums are credited towards the total
purchase price.



XMLAuthor is the developer of MediaForge, a powerful software authoring tool for building
Multimedia applications, both stand-alone and Internet based. Internet based applications can run
either embedded within a web page using the MediaForge Mirage technologies or in a standalone
application.

The launch of the Mazarin Media Platform.



The SVC Mazarin Media Platform is a rich media application generator that allows virtually any
user to rapidly deliver browser-based applications. Our solution platform integrates highly secure
SVC Payment Services with the Mazarin application generator that delivers 'smart' applications
for sales, marketing, research, and promotional activities. SVC payment Services also provides a
unique, cost-effective peer-to-peer mobile solution for cash-based consumers such as teens,
students, and friends-and-family for local and international reimbursement and remittance
transactions.

Significant Financial Developments



On February 26,
2004, the Company issued 183,928 shares to three (3) employees/consultants of
the Company in satisfaction of debt for services rendered totaling $86,600, at
an average price of $0.47 per share.  These shares will be registered on
Form S-8 at a convenient point in the future.



On February 27,
2004, pursuant to agreements entered into in November and December of 2003, the
company issued 4,800,000 shares, values at $0.05 per share, to seven,
then-existing creditors of the Company, canceling $240,000 of indebtedness. 
This issuance was pursuant to Section 4(2) and Rule 506, thereunder, and all
shares were restricted.



On February 28,
2004, the Company completed an early round of funding, via private placement
under Rule 506, raising a total of $285,500.  For each dollar invested,
investors received four shares of restricted commons stock and three sets of 4
warrants: one set allowing the purchase of an additional shares of stock for
$0.50 within 6 months of the original investment, a second set allowing for the
purchase of an additional share of stock for $0.75 within 12 months of
investment and a final set allowing for the purchase of an additional share of
stock for $1.00 within 18 months of the original investment.  1,142,000
units were sold such that there were 1,142,000 of each of the 3 different
warrants issued to investors, along with 1,142,000 shares of restricted common
stock.  Of the warrants issued in this placement, 176,000 of the $0.50
round have been exercised, for cash, bringing the Company an additional $88,000. 
4,000 of the $0.75 warrants have been exercised, creating 4,000 additional
shares of stock for $3,000 in cash to the Company.  These exercises were
under the ambit of Rule 506 allowing for the issuance of restricted securities
without registration.



Between March 15,
2004 and April 30, 2003, an additional $90,000 was raised via private placement. 
Each investor in this placement acquired, for $0.50, one share of stock and 2
warrants, one allowing for exercise within 6 months of investment at $0.75 per
share and the other allowing for exercise within 12 months at a price of $1.00
per share.  180,000 shares were issued under this placement.



On April 23, 2004,
the Company issued 250,000 shares of its restricted common stock to Girac
Investments, for services rendered.  These shares were valued at $0.30 per
share and were issued under Rule 506 to an accredited investor.



On April 30, 2004,
the Company renegotiated the terms and conditions of its loan from Transfund
Ventures such that the then-current indebtedness, through April 30, 2004, of
approximately $500,000 would be due and payable, in full, on February 28, 2005. 
The principal and any unpaid interest could be converted, at the holder's
option, into common stock of the Company on a basis of $0.75 per share. 
Further, Transfund received 1,000,000 warrants, having a two-choice exercise
provision, with an exercise term of three (3) years.  If the exercise is
"cashless", then the exercise price will be $0.60 per share.  If actual
cash is paid upon exercise, then the exercise price will be $0.375 per share. 
All other terms and conditions of the Transfund note will remain as originally
executed.



On July 16, 2004,
the Company concluded a placement with existing accredited investors of $150,000
of convertible debentures.  These debentures may be converted into common
stock of the Company, at the election of the holders, at anytime in the ensuing
6-month period, utilizing a conversion ratio of $0.30 per share.  These
debentures also entitled the investors to warrants to purchase an additional
500,000 shares of the Company's common stock at an exercise price of $0.30 per
share, for a total of $150,000.

At the time of writing SVC has very little debt and is well
positioned and poised to take its product out to the marketplace.

FISCAL
YEAR ENDED SEPTEMBER 30, 2003 COMPARED TO FISCAL YEAR ENDED SEPTEMBER 30,
2002













Revenues





























The Company had no revenues in the fiscal years ended September
30, 2003 and September 30, 2002.























Expenses













Total expenses decreased $54,274, from $123,379 during fiscal 2002 to $69,105
in fiscal 2003.  This decrease is primarily attributable to the abandonment
of the online banking business and the Secure Sign business. All expenses in
both fiscal 2002 and 2003 were general and administrative expenses.













Interest
Expense











Interest
expense increased $3,988, from $0 during fiscal 2002 to $3,988 in fiscal 2003. 
The increase is attributable to an increase in the average balance of loans
payable during fiscal 2003 as compared to fiscal 2002.



Other income and expenses



The Company had no other income or expenses for the fiscal year ended September
30, 2002.  In the fiscal year ended September 30, 2003, the Company had
total other expenses of $601,742.  The net increase in other expenses is
due to $201,852 recognized as a gain on extinguishment of debt, $45,965 of
interest income and a net loss of $845,571 recognized during the
sale of Contractors' Directory Inc.









Liquidity and Capital Resources













For the year ended September 30, 2003, we raised a total of approximately $35,000 of capital
to fund the operations of the Company. As of September 30, 2003, we had an
approximate indebtedness of $176,588.























During
fiscal 2003 cash provided by financing activities was $35,000. During fiscal
2002 no cash was provided by or used in financing activities. The increase
was attributed to the issuance of a loan payable in fiscal 2002.







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









On February 28,
2004, the Company completed an early round of funding, via private placement
under Rule 506, raising a total of $285,500.  For each dollar invested,
investors received four shares of restricted commons stock and three sets of 4
warrants: one set allowing the purchase of an additional shares of stock for
$0.50 within 6 months of the original investment, a second set allowing for the
purchase of an additional share of stock for $0.75 within 12 months of
investment and a final set allowing for the purchase of an additional share of
stock for $1.00 within 18 months of the original investment.  1,142,000
units were sold such that there were 1,142,000 of each of the 3 different
warrants issued to investors, along with 1,142,000 shares of restricted common
stock.  Of the warrants issued in this placement, 176,000 of the $0.50
round have been exercised, for cash, bringing the Company an additional $88,000. 
4,000 of the $0.75 warrants have been exercised, creating 4,000 additional
shares of stock for $3,000 in cash to the Company.  These exercises were
under the ambit of Rule 506 allowing for the issuance of restricted securities
without registration.



Between March 15,
2004 and April 30, 2004, an additional $90,000 was raised via private placement. 
Each investor in this placement acquired, for $0.50, one share of stock and 2
warrants, one allowing for exercise within 6 months of investment at $0.75 per
share and the other allowing for exercise within 12 months at a price of $1.00
per share.  180,000 shares were issued under this placement.



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 2004 we may plan on
seeking additional capital through the issuance of additional shares of the Company,
either through a public offering or private placement, at prices that have yet
to be determined. Sales of a substantial number of shares of our common stock in
the public market could adversely affect the market price of our common stock.
We may also seek the advice and assistance of investment bankers and other
financial professionals to assist us in raising additional capital and we expect
to pay fee for these services.



The accompanying financial statements have been prepared in conformity with generally
accepted accounting principles, which contemplate continuation of the Company as a going
concern.  However, the Company has no established source of revenue, has experienced net
operating losses of $4,048,461 since inception, had a net loss of $670,847 and a negative cash
flow from operations of $833,537 for the year ended December 31, 2003, and has working
capital and stockholder's deficiencies of $171,588 and $171,583, respectively, as of December
31, 2003.  These factors raise substantial doubt about the Company's ability to continue as a
going concern.  Without realization of additional capital, it would be unlikely for the Company to
continue as a going concern.  These financial statements do not include any adjustments relating
to the recoverability and classification of recorded asset amounts, or amounts and classification
of liabilities that might result from this uncertainty.















Factors That May Affect Future Results Of
Operations













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











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













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











We incurred net losses of approximately $69,157 for fiscal the year ending September 30,
2003. At September 30, 2003, we had an accumulated deficit of approximately
$3,915,766 as compared to $4,048,461 for the fiscal year ended September 30,
2002. We expect to incur significant operating losses on a quarterly basis
in the future.



Related Party Transactions



During the fiscal year ended September 30, 2003 and 2002 the Company has total accrued wages
of nil and $200,000, respectively, to Mr. Plastino.  Mr. Plastino was President and Chairman of
the Board of Directors.  Mr. Plastino also beneficially owned approximately 15% of the
Company's common stock outstanding.

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.  The lessor is also a
stockholder of the Company.  (See Note 9)

In September 2003 the Company sold ninety-five percent (95%) of its wholly owned subsidiary,
Contractor's Directory, Inc. to the former CEO of the Company for $5,000 and assumption of
all corporate debts related to Contractor's Directory, Inc.



Recent Accounting Pronouncements



In January 2003,
(as revised in December 2003) The Financial Accounting Standards Board ("FASB") issued Interpretation No. 46, "Consolidation of
Variable Interest Entities", an interpretation of Accounting Research Bulletin ("ARB") No. 51,
"Consolidated Financial Statements".  Interpretation No. 46 addresses consolidation by business
enterprises of variable interest entities, which have one or both of the following characteristics:
(i) the equity investment at risk is not sufficient to permit the entity to finance its activities
without additional subordinated support from other parties, which is provided through other
interest that will absorb some or all of the expected losses of the entity; (ii) the equity investors
lack one or more of the following essential characteristics of a controlling financial interest: the
direct or indirect ability to make decisions about the entities activities through voting rights or
similar rights; or the obligation to absorb the expected losses of the entity if they occur, which
makes it possible for the entity to finance its activities; the right to receive the expected residual
returns of the entity if the occur, which is the compensation for the risk of absorbing the expected
losses.

Interpretation No. 46, as revised, also required expanded disclosures by the primary beneficiary
(as defined) of a variable interest entity and by an enterprise that holds a significant variable
interest in a variable interest entity but is not the primary beneficiary.

Interpretation No. 46, as revised, applies to small business issuers no later than the end of the
first reporting period that ends after December 15, 2004.  This effective date includes those
entities to which Interpretation 46 had previously been applied.  However, prior to the required
application of Interpretation No. 46, a public entity that is a small business issuer shall apply
Interpretation 46 or this Interpretation to those entities that are considered to be special-purpose
entities no later than as of the end of the first reporting period that ends after December 15, 2003.

Interpretation No. 46 may be applied prospectively with a cumulative-effect adjustment as of the
date on which it is first applied or by restating previously issued financial statements for one or
more years with a cumulative-effect adjustment as of the beginning of the first year restated.

In April 2003, the FASB issued SFAS No. 149, "Amendment of Statement 133 on derivative
Instruments and Hedging Activities".  SFAS No. 149 amends and clarifies financial accounting
and reporting for derivative instruments, including certain derivative instruments embedded in
other contracts (collectively referred to as derivatives) and for hedging activities under SFAS No.
133, "Accounting for Derivative Instruments and Hedging Activities".  The changes in SFAS
No. 149 improve financial reporting by requiring that contracts with comparable characteristics
be accounted for similarly.  This statement is effective for contracts entered into or modified after
June 30, 2003 and all of its provisions should be applied prospectively.

In May 2003, the FASB issued SFAS No. 150, "Accounting for Certain Financial Instruments
with Characteristics of both Liabilities and Equity".  SFAS No. 150 changes the accounting for
certain financial instruments with characteristics of both liabilities and equity that, under
previous pronouncements, issuers could account for as equity.  The new accounting guidance
contained in SFAS No. 150 requires that those instruments be classified as liabilities in the
balance sheet.

SFAS No. 150 affects the issuer's accounting for three types of freestanding financial
instruments.  One type is mandatorily redeemable shares, which the issuing company is obligated
to buy back in exchange for cash or other assets.  A second type includes put options and forward
purchase contracts, which involves instruments that do or may require the issuer to buy back
some of its shares in exchange for cash or other assets.  The third type of instruments that are
liabilities under this Statement is obligations that can be settled with shares, the monetary value
of which is fixed, tied solely or predominantly to a variable such as a market index, or various
inversely with the value of the issuer's shares.  SFAS No. 150 does not apply to features
embedded in a financial instrument that is not a derivative in its entirety.

Most of the provisions of Statement 150 are consistent with the existing definition of liabilities in
FASB Concepts Statement No. 6, "Elements of Financial Statements".  The remaining
provisions of this Statement are consistent with the FASB's proposal to revise that definition to
encompass certain obligations that a reporting entity can or must settle by issuing its own shares.
This Statement shall be effective for financial instruments entered into or modified after May 31,
2003 and otherwise shall be effective at the beginning of the first interim period beginning after
June 15, 2003, except for mandatorily redeemable financial instruments of a non-public entity, as
to which the effective date is for fiscal periods beginning after December 15, 2004.

The implementation of the provisions of these pronouncements is not expected to have a
significant effect on the Company's consolidated financial statement presentation or disclosure.



















FORWARD-LOOKING STATEMENTS











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







---









ITEM 7.     FINANCIAL STATEMENTS



TABLE OF CONTENTS



Independent Auditors' Reports

Balance Sheets

Statements of Operations

Statements of Cash Flows

Statements of changes in Stockholders' Deficiency

Notes
to Financial Statements

---

INDEPENDENT AUDITORS' REPORT

To the Board of Directors of SVC Financial Services, Inc (Formerly Secure Sign, Inc.).:



We have audited the accompanying balance sheet of SVC Financial Services, Inc. (formerly
Secure Sign, Inc.) (the "Company"), as of September 30, 2003 and the related statements of
operations, changes in stockholders' deficiency and cash flows for the year then ended
and for the period from July 14, 1995 (inception) to September 30, 2003.  These
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.

We conducted our audit in accordance with the standards of the Public Company Accounting
Oversight Board (United States).  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 provides a reasonable basis for our
opinion.

In our opinion, the financial statements referred to above present fairly in all material respects,
the financial position of SVC Financial Services, Inc. (formerly Secure Sign, Inc.) as of
September 30, 2003, and the results of its operations and its cash flows for the year then ended
and for the period from July 14, 1999 (inception) to September 30, 2003,
in conformity with accounting principles generally accepted in the United States of America.

The accompanying financial statements have been prepared assuming that the Company will
continue as a going concern.  As discussed in Note 11 to the financial statements, the
Company's working capital deficiency of $171,588, stockholders' deficiency of $171,583, net
loss from operations of $670,847 and net cash used in operations of $833,537 raise substantial
doubt about its ability to continue as a going concern.  Management's plan in regards to these
matters is also described in Note 11.  These financial statements do not include any adjustments
that might result from the outcome of this uncertainty.

WEINBERG & COMPANY, P.A.

Boca Raton, Florida

August 17, 2004



---

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, 2002 and
2001, and
the related consolidated statements of income, accumulated deficit,
stockholders' equity and cash flows for the years then ended. These consolidated
financial statements are the responsibility of the Company's management. Our
responsibility is to express an opinion on these financial statements based on
our audits.







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





In our opinion the 2002 and 2001 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, 2002 and
2001, and
the results of its operations and its cash flows for the year then ended in
conformity with accounting principles generally accepted in the United States of
America.







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



/s/ Lichter, Weil & Associates









San Diego, California





December 23, 2002



---

SVC FINANCIAL SERVICES, INC.

(Formerly Secure Sign, Inc.)

(Formerly Known as YOURBANKONLINE.COM, INC.)

(Formerly Known as CONSOLIDATED DATA, INC.)

(A
Development Stage Company)

BALANCE SHEETS

As of September 30, 2003 and 2002 (Consolidated)



|                                                                                                                                         | 2003              |  | 2002               
|---------------------------------------------------------------------------------------------------------------------------------------- | ----------------- |  | -------------------
|                                                                                                                                         |                   |  | (Consolidated)     
|ASSETS                                                                                                                                   |                   |  |                    
|Current Assets                                                                                                                           |                   |  |                    
|Accounts Receivable                                                                                                                      | $             
	- |  | $               228
|Notes
	Receivable - Related Party                                                                                                        | 5,000             |  | -                  
|Total Current Assets                                                                                                                     | 5,000             |  | 228                
|                                                                                                                                         |                   |  |                    
|Fixed Assets                                                                                                                             |                   |  |                    
|Furniture
      and equipment net of accumulated
      depreciation of nil and $83,763,
		respectively                                   | -                 |  | 1,041              
|Total Fixed
      Assets                                                                                                                 | -                 |  | 1,041              
|Other Assets                                                                                                                             |                   |  |                    
|Notes receivable                                                                                                                         | -                 |  | 20,000             
|Investment in
	Contractor's Directory                                                                                                    | 5                 |  | -                  
|Total Other Assets                                                                                                                       | 5                 |  | 20,000             
|                                                                                                                                         |                   |  |                    
|Total
      Assets                                                                                                                       | $5,005            |  | $21,269            
|                                                                                                                                         |                   |  |                    
|LIABILITIES AND STOCKHOLDERS' DEFICIENCY                                                                                                 |                   |  |                    
|Current Liabilities                                                                                                                      |                   |  |                    
|Accounts
      payable and accrued expenses                                                                                              | $141,588          |  | $305,547           
|Notes
      payable                                                                                                                      | 35,000            |  | 20,000             
|Total Liabilities                                                                                                                        | 176,588           |  | 325,547            
|                                                                                                                                         |                   |  |                    
|Stockholders' Deficiency                                                                                                                 |                   |  |                    
|Common
      stock, no par value, 50,000,000 shares
      authorized, 1,989,251 and 1,989,251 issued
      and outstanding, respectively | 3,744,183         |  | 3,744,183          
|Preferred
      Stock Class A, no par value, 5,000,000 shares
      authorized,  0 and 0 issued and
      outstanding, respectively      | -                 |  | -                  
|Preferred Stock
      Class B, $1 par value, 2,000,000 shares
      authorized,  0 and  0 issued and outstanding,
      respectively     | -                 |  | -                  
|Deficit
      accumulated during development stage                                                                                       | (3,915,766)       |  | (4,048,461)        
|Total Stockholders' Deficiency                                                                                                           | (171,583)         |  | (304,278)          
|                                                                                                                                         |                   |  |                    
|Total Liabilities and Stockholder's Deficiency                                                                                           | $5,005            |  | $21,269            
|                                                                                                                                         |                   |  |                    

See
accompanying Notes to Financial Statements.

---



SVC FINANCIAL SERVICES, INC.

(Formerly Secure Sign, Inc.)

(Formerly Known as YOURBANKONLINE.COM, INC.)

(Formerly Known as CONSOLIDATED DATA, INC.)

(A
Development Stage Company)

STATEMENTS OF OPERATIONS

For the
Years Ended September 30, 2003 and 2002 (Consolidated)

and for
the Period From July 14, 1995 (Inception) to September 30, 2003



|                                          | For the Years
      Ended
      September
      30, | July 14, 1995 (Inception) to September 30,
|----------------------------------------- | --------------------------------------------------- | ------------------------------------------
|                                          | 2003                                                | 2002                                      
|                                          |                                                     | (Consolidated)                            
|                                          |                                                     |                                           
|Sales,
      net                          | $               -                                   | $-                                        
|Cost of
      sales                       | -                                                   | -                                         
|Gross profit                              | -                                                   | -                                         
|                                          |                                                     |                                           
|Selling
      Expenses                    | -                                                   | -                                         
|General and
      administrative expenses | 69,105                                              | 123,379                                   
|                                          |                                                     |                                           
|Loss from operations                      | (69,105)                                            | (123,379)                                 
|                                          |                                                     |                                           
|Other (Income)
      Expense              |                                                     |                                           
|Gain on extinguishment of debt            | (201,852)                                           | -                                         
|Other Income                              | -                                                   | -                                         
|Loss on Disposal of Subsidiary            | 845,571                                             | -                                         
|Impairment loss                           | -                                                   | -                                         
|Settlement expense                        | -                                                   | -                                         
|Interest income                           | (45,965)                                            | -                                         
|Interest expense                          | 3,988                                               | -                                         
|Total Other (Income) Expense              | 601,742                                             | -                                         
|                                          |                                                     |                                           
|Net Loss                                  | ($670,847)                                          | ($123,379)                                
|                                          |                                                     |                                           
|Net loss per share (basic and diluted)    |                                                     |                                           
|Basic & Diluted                           | ($0.34)                                             | ($0.07)                                   
|                                          |                                                     |                                           
|Weighted average number of
shares         |                                                     |                                           
|Basic & Diluted                           | 1,989,251                                           | 1,728,622                                 
|                                          |                                                     |                                           



See
Accompanying Notes to Financial Statements.

---



SVC FINANCIAL SERVICES, INC.

(Formerly Secure Sign, Inc.).

(Formerly Known as YOURBANKONLINE.COM, INC.)

(Formerly Known as CONSOLIDATED DATA, INC.)

(A
Development Stage Company)

STATEMENTS OF CASH FLOWS

For the
Years Ended September 30, 2003 and 2002 (Consolidated)

and for
the Period From July 14, 1995 (Inception) to September 30, 2003



|                                                                                              | For the Years Ended
      September 30, | July 14, 1995 (Inception) to
      September 30,
|--------------------------------------------------------------------------------------------- | --------------------------------------- | ------------------------------------------------
|                                                                                              | 2003                                    |                                                 
|                                                                                              |                                         |                                                 
|                                                                                              |                                         |                                                 
|CASH FLOWS FROM OPERATING
      ACTIVITIES                                                    |                                         |                                                 
|Net Loss                                                                                      | ($670,847)                              |                                                 
|                                                                                              |                                         |                                                 
|Adjustments to reconcile
      net loss to net cash used
      in operating
      activities: |                                         |                                                 
|Gain on extinguishment of debt                                                                | (201,852)                               |                                                 
|Amortization                                                                                  | -                                       |                                                 
|Depreciation                                                                                  | 1,041                                   |                                                 
|Impairment loss                                                                               | -                                       |                                                 
|Common stock issued for services, debt                                                        | -                                       |                                                 
|Decrease (Increase) in accounts receivable                                                    | 228                                     |                                                 
|Decrease (Increase) in marketing rights                                                       | -                                       |                                                 
|(Decrease) Increase in accounts payable
      and
      accrued
      expenses                | 37,893                                  |                                                 
|Total Adjustments                                                                             | (162,690)                               |                                                 
|Net cash used in operations                                                                   | (833,537)                               |                                                 
|                                                                                              |                                         |                                                 
|CASH FLOWS FROM INVESTING
      ACTIVITIES                                                    |                                         |                                                 
|Loans made to related party                                                                   | (5,000)                                 |                                                 
|Investment in Contractor's Directory                                                          | (5)                                     |                                                 
|Purchase of computer software                                                                 | -                                       |                                                 
|Purchase of marketing rights                                                                  | -                                       |                                                 
|Purchase of furniture and equipment                                                           | -                                       |                                                 
|Net cash used in investing activities                                                         | (5,005)                                 |                                                 
|                                                                                              |                                         |                                                 
|CASH FLOWS FROM FINANCING
      ACTIVITIES                                                    |                                         |                                                 
|Issuance of loan payable                                                                      | 35,000                                  |                                                 
|Payments on loan payable                                                                      | -                                       |                                                 
|Stock Redemption                                                                              | -                                       |                                                 
|Sale of stock                                                                                 | -                                       |                                                 
|Net cash provided in financing activities                                                     | 35,000                                  |                                                 
|                                                                                              |                                         |                                                 
|Adjustment to retained earnings for sale of subsidiary                                        | 803,542                                 |                                                 
|                                                                                              |                                         |                                                 
|Net change in cash and cash equivalents                                                       | -                                       |                                                 
|Cash and cash equivalents at beginning of period                                              | -                                       |                                                 
|Cash and cash equivalents at end of period                                                    | $                -                      |                                                 
|                                                                                              |                                         |                                                 
|Supplemental cash flows
      disclosures:                                                    |                                         |                                                 
|                                                                                              |                                         |                                                 
|Income tax payments                                                                           | $               -                       |                                                 
|Interest payments                                                                             | $               -                       |                                                 
|                                                                                              |                                         |                                                 
|Non-cash investing and
	financing activities                                                  |                                         |                                                 
|                                                                                              |                                         |                                                 
|Common stock issued for services and debt                                                     | $               -                       |                                                 
|Common stock issued for preferred dividends                                                   | $               -                       |                                                 
|Note received on sale of computer software                                                    | $               -                       |                                                 
|Exchange of note receivable for note payable                                                  | $     20,000                            |                                                 
|                                                                                              |                                         |                                                 



See Accompanying Notes to Financial Statements.

---



SVC FINANCIAL SERVICES, INC.

(Formerly Secure Sign, Inc.)

(Formerly Known as YOURBANKONLINE.COM, INC.)

(Formerly Known as CONSOLIDATED DATA, INC.)

(A
Development Stage Company)

STATEMENTS OF CHANGES IN STOCKHOLDERS'
DEFICIENCY

For
the Period From July 14, 1995 (Inception) to September 30, 2003



|                                                                                                                                                                                     | Number of Shares |  | Amount    |  | Deficit Accumulated During Development Stage
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | ---------------- |  | --------- |  | --------------------------------------------
|                                                                                                                                                                                     | Common           |  | Preferred |  | Common                                      
|Balance at
      inception, July 14, 1995                                                                                                                                            | -                |  | -         |  | $-                                          
|                                                                                                                                                                                     |                  |  |           |  |                                             
|May 1996
      issuance of 100,000 shares preferred stock Class A                                                                                                                    | -                |  | 100,000   |  | --                                          
|                                                                                                                                                                                     |                  |  |           |  |                                             
|June 1996,
	issuance 68,040 shares common stock pursuant to 504 Reg. D at $0.0125
      per share                                                                                    | 68,040           |  | -         |  | 851                                         
|                                                                                                                                                                                     |                  |  |           |  |                                             
|Net loss July
      14, 1995 to September 30, 1996                                                                                                                                   | -                |  | -         |  | -                                           
|                                                                                                                                                                                     |                  |  |           |  |                                             
|Balance at
      September 30, 1996                                                                                                                                                  | 68,040           |  | 100,000   |  | 851                                         
|                                                                                                                                                                                     |                  |  |           |  |                                             
|March 1997,
	issuance of common stock pursuant to 504 Reg. D at $0.0124 per
    share                                                                                                | 9,000            |  | -         |  | 112                                         
|                                                                                                                                                                                     |                  |  |           |  |                                             
|March 1997,
	issuance of 60,000 shares of common stock for directory marketing rights at
	$1.25 per share                                                                            | 60,000           |  | -         |  | 75,000                                      
|                                                                                                                                                                                     |                  |  |           |  |                                             
|April 1997,
      issuance of 40,000 share of common stock for acquisition of Contractors
      Directory, Inc.                                                                      | 40,000           |  | -         |  | 100                                         
|                                                                                                                                                                                     |                  |  |           |  |                                             
|May 1997,
	issuance of shares for directors fees pursuant to directors' resolution at
	$1.25 per share                                                                               | 20,000           |  | -         |  | 25,000                                      
|                                                                                                                                                                                     |                  |  |           |  |                                             
|Issuance of
	shares for attorney and secretarial services at $1.25 per share                                                                                                         | 4,000            |  | -         |  | 5,000                                       
|                                                                                                                                                                                     |                  |  |           |  |                                             
|Net loss for
      year ended September 30, 1997                                                                                                                                     | -                |  | -         |  | -                                           
|                                                                                                                                                                                     |                  |  |           |  |                                             
|Balance at
      September 30, 1997                                                                                                                                                  | 201,040          |  | 100,000   |  | 106,063                                     
|                                                                                                                                                                                     |                  |  |           |  |                                             
|October to
	December 1997, issuance of shares pursuant to 504 Reg. D private placement
	at $3.75 per share                                                                           | 3,200            |  | -         |  | 12,000                                      
|                                                                                                                                                                                     |                  |  |           |  |                                             
|August 1998,
      issuance of shares for consulting service at $1.25 per share                                                                                                      | 6,000            |  | -         |  | 7,500                                       
|                                                                                                                                                                                     |                  |  |           |  |                                             
|September 1998,
	issuance of shares for directors fees pursuant to directors' resolution
	dated May 1, 1997 at $1.25 per share                                                       | 48,000           |  | -         |  | 60,000                                      
|                                                                                                                                                                                     |                  |  |           |  |                                             
|Net loss for
      year ended September 30, 1998                                                                                                                                     | -                |  | -         |  | -                                           
|                                                                                                                                                                                     |                  |  |           |  |                                             
|Balance at
      September 30, 1998                                                                                                                                                  | 258,240          |  | 100,000   |  | 185,563                                     
|                                                                                                                                                                                     |                  |  |           |  |                                             
|March 1999,
	issuance of shares for consulting services at $5.00 per share                                                                                                           | 1,000            |  | -         |  | 5,000                                       
|                                                                                                                                                                                     |                  |  |           |  |                                             
|March 1999,
      issuance of shares for legal, accounting, and consulting services at $5.00
      per share                                                                         | 12,000           |  | -         |  | 60,000                                      
|                                                                                                                                                                                     |                  |  |           |  |                                             
|March 1999,
      issuance of shares for online banking software rights at $5.00 per
      share                                                                                     | 80,000           |  | -         |  | 400,000                                     
|                                                                                                                                                                                     |                  |  |           |  |                                             
|April 1999,
      issuance of shares pursuant to exercise of private placement stock option;
      1,000 shares at $25.00; 1,000 shares at $50.00; and 1,000 shares at
      $125.00 | 3,000            |  | -         |  | 200,000                                     
|                                                                                                                                                                                     |                  |  |           |  |                                             
|April 1999,
      additional issuance of shares for online banking software at $5.00 per
      share                                                                                 | 48,000           |  | -         |  | 240,000                                     
|                                                                                                                                                                                     |                  |  |           |  |                                             
|May 1999,
      issuance of shares for consulting services at $5.00 per share                                                                                                        | 1,120            |  | -         |  | 5,600                                       
|                                                                                                                                                                                     |                  |  |           |  |                                             
|June 1999,
      issuance of balance of shares for directors fee at $1.25 per share
      pursuant to directors' resolution date May 1, 1997                                         | 28,000           |  | -         |  | 35,000                                      
|                                                                                                                                                                                     |                  |  |           |  |                                             
|Net loss for
      year ended September 30, 1999                                                                                                                                     | -                |  | -         |  | -                                           
|                                                                                                                                                                                     |                  |  |           |  |                                             
|Balance at
      September 30, 1999                                                                                                                                                  | 431,360          |  | 100,000   |  | 1,131,163                                   
|                                                                                                                                                                                     |                  |  |           |  |                                             
|January 2000,
      private placement of 3,200 shares for $120,000                                                                                                                   | 3,200            |  | -         |  | 120,000                                     
|                                                                                                                                                                                     |                  |  |           |  |                                             
|January 2000,
      private placement of 2,000 shares for non-cash services                                                                                                          | 2,000            |  | -         |  | 96,875                                      
|                                                                                                                                                                                     |                  |  |           |  |                                             
|February 2000,
	private placement of 22,364 shares in exchange for debt                                                                                                              | 22,364           |  | -         |  | 559,095                                     
|                                                                                                                                                                                     |                  |  |           |  |                                             
|February 2000,
	S-8 issuance of 1,640 shares for non-cash business planning and legal
      services valued at $33,332                                                               | 1,640            |  | -         |  | 33,332                                      
|                                                                                                                                                                                     |                  |  |           |  |                                             
|May 2000,
      private placement of 5,000 shares for non-cash investor relations
      services valued at $50,000                                                                   | 5,000            |  | -         |  | 50,000                                      
|                                                                                                                                                                                     |                  |  |           |  |                                             
|May 2000,
      private placement of 20,000 shares for $200,000                                                                                                                      | 20,000           |  | -         |  | 200,000                                     
|                                                                                                                                                                                     |                  |  |           |  |                                             
|June 2000,
      private placement of 2,000 shares for non-cash business planning and
      legal services valued at $50,000                                                         | 2,000            |  | -         |  | 50,000                                      
|                                                                                                                                                                                     |                  |  |           |  |                                             
|June 2000,
      private placement of 190,000 shares preferred stock Class B for
      $190,000                                                                                      | -                |  | 190,000   |  | -                                           
|                                                                                                                                                                                     |                  |  |           |  |                                             
|July 2000,
      private placement of 80,000 shares for acquisition of Genesis Capital
      Co., Ltd, valued at $1,750,000                                                          | 80,000           |  | -         |  | 1,750,000                                   
|                                                                                                                                                                                     |                  |  |           |  |                                             
|August 2000, S-8
	issuance of 7,692 shares to employees and consultants for non-cash
      services valued at $173,917                                                               | 7,692            |  | -         |  | 173,917                                     
|                                                                                                                                                                                     |                  |  |           |  |                                             
|August 2000,
      issuance of 18,000 shares to HEP Trust in exchange for 100,000 shares of
      Class A preferred stock                                                            | 18,000           |  | (100,000) |  | 10,050                                      
|                                                                                                                                                                                     |                  |  |           |  |                                             
|September 2000,
	private placement of 800 shares for $40,000                                                                                                                         | 800              |  | -         |  | 40,000                                      
|                                                                                                                                                                                     |                  |  |           |  |                                             
|September 2000,
      private placement of 20,000 preferred stock Class B shares for
      $20,000                                                                                   | -                |  | 20,000    |  | -                                           
|                                                                                                                                                                                     |                  |  |           |  |                                             
|September 2000,
      private placement of 1,800 shares for non-cash investor relations
      services valued at $45,000                                                             | 1,800            |  | -         |  | 45,000                                      
|                                                                                                                                                                                     |                  |  |           |  |                                             
|September 2000,
      private placement of 50,000 shares for $500,000                                                                                                                | 50,000           |  | -         |  | 500,000                                     
|                                                                                                                                                                                     |                  |  |           |  |                                             
|September 2000,
      rescission of 80,000 shares issued to Genesis Capital Co.,
Ltd                                                                                                 | (80,000)         |  | -         |  | (1,750,000)                                 
|                                                                                                                                                                                     |                  |  |           |  |                                             
|Dividends
      accrued on Preferred Class B                                                                                                                                         | -                |  | -         |  | -                                           
|                                                                                                                                                                                     |                  |  |           |  |                                             
|Net loss for
      year ended September 30, 2000                                                                                                                                     | -                |  | -         |  | -                                           
|                                                                                                                                                                                     |                  |  |           |  |                                             
|Balance at
      September 30, 2000                                                                                                                                                  | 565,856          |  | 210,000   |  | 3,009,432                                   
|                                                                                                                                                                                     |                  |  |           |  |                                             
|October 2000
    private placement of 34,000 shares for non cash payment of services to
    unrelated parties                                                                        | 34,000           |  | -         |  | 265,625                                     
|                                                                                                                                                                                     |                  |  |           |  |                                             
|February 2001
    cancellation of 8,000 shares issued for services                                                                                                                   | (8,000)          |  | -         |  | (78,124)                                    
|                                                                                                                                                                                     |                  |  |           |  |                                             
|February 2001
	conversion of 210,000 shares Class B Preferred Stock into 33,874 shares
    common stock                                                                              | 33,874           |  | (210,000) |  | 220,000                                     
|                                                                                                                                                                                     |                  |  |           |  |                                             
|February 2001
    private placement of 10,600 shares common stock                                                                                                                    | 10,600           |  | -         |  | 15,000                                      
|                                                                                                                                                                                     |                  |  |           |  |                                             
|Repurchase of
    800 shares of common stock and subsequent cancellation                                                                                                             | (800)            |  | -         |  | (20,000)                                    
|                                                                                                                                                                                     |                  |  |           |  |                                             
|Dividends
    accrued on Preferred Class B                                                                                                                                           | -                |  | -         |  | -                                           
|                                                                                                                                                                                     |                  |  |           |  |                                             
|Net loss for
    the year ended September 30, 2001                                                                                                                                   | -                |  | -         |  | -                                           
|                                                                                                                                                                                     |                  |  |           |  |                                             
|Balance at
    September 30, 2001                                                                                                                                                    | 635,530          |  | -         |  | 3,411,932                                   
|                                                                                                                                                                                     |                  |  |           |  |                                             
|November 2001
	issuance of 650,633 shares of restricted stock for debt conversion                                                                                                    | 650,633          |  | -         |  | 140,000                                     
|                                                                                                                                                                                     |                  |  |           |  |                                             
|November 2001
	issuance of 156,153 shares of restricted stock for debt conversion                                                                                                    | 156,153          |  | -         |  | 32,250                                      
|                                                                                                                                                                                     |                  |  |           |  |                                             
|November 2001
	issuance of 221,215 shares of restricted stock for services                                                                                                           | 221,215          |  | -         |  | 42,500                                      
|                                                                                                                                                                                     |                  |  |           |  |                                             
|December 2001
    issuance of 80,000 shares of restricted stock for debt conversion                                                                                                  | 80,000           |  | -         |  | 45,000                                      
|                                                                                                                                                                                     |                  |  |           |  |                                             
|January 2002
    issuance of 160,000 shares of restricted stock for services                                                                                                         | 160,000          |  | -         |  | 30,000                                      
|                                                                                                                                                                                     |                  |  |           |  |                                             
|June 2002
    issuance of 100,000 shares of restricted stock for services                                                                                                            | 100,000          |  | -         |  | 12,500                                      
|                                                                                                                                                                                     |                  |  |           |  |                                             
|July 2002 sale
	of computer software for return of 95,080 shares of Company stock                                                                                                    | (95,080)         |  | -         |  | -                                           
|                                                                                                                                                                                     |                  |  |           |  |                                             
|September 2002
    issuance of 80,000 shares of restricted stock for services                                                                                                        | 80,000           |  | -         |  | 10,000                                      
|                                                                                                                                                                                     |                  |  |           |  |                                             
|September 2002
    issuance of 800 shares of restricted stock                                                                                                                        | 800              |  | -         |  | 20,000                                      
|                                                                                                                                                                                     |                  |  |           |  |                                             
|Net loss for
    the year ended September 30, 2002                                                                                                                                   | -                |  | -         |  | -                                           
|                                                                                                                                                                                     |                  |  |           |  |                                             
|BALANCE,
	SEPTEMBER 30, 2002                                                                                                                                                         | 1,989,251        |  | -         |  | 3,744,183                                   
|                                                                                                                                                                                     |                  |  |           |  |                                             
|Elimination of
	Accumulated Deficit of subsidiary disposed of                                                                                                                        | -                |  | -         |  | -                                           
|                                                                                                                                                                                     |                  |  |           |  |                                             
|Net loss - Year
	Ended September 30, 2003                                                                                                                                            | -                |  | -         |  | -                                           
|                                                                                                                                                                                     |                  |  |           |  |                                             
|BALANCE,
	SEPTEMBER 30, 2003                                                                                                                                                         | 1,989,251        |  | -         |  | $3,744,183                                  
|                                                                                                                                                                                     |                  |  |           |  |                                             



See
Accompanying Notes to Financial Statements.







---







SVC FINANCIAL SERVICES, INC.

(Formerly Secure Sign, Inc.)

(FORMERLY KNOWN AS YOURBANKONLINE.COM, INC.

AND FORMERLY CONSOLIDATED DATA, INC.)

(A Development Stage Company)

NOTES TO FINANCIAL STATEMENTS

SEPTEMBER 30, 2003 AND 2002

NOTE 1 - NATURE OF OPERATIONS

SVC
Financial Services, Inc.  (the "Company"), formerly Secure Sign, Inc., formerly YourBankOnline.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. was 100% owned by Secure Sign, Inc. and both companies
are collectively referred to as the "Company".  The Company is
still in the development stage.

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 businesses, online
banking and contractor's directory.  By December 31, 2000, the Company abandoned its
attempts to develop these lines of business and began an active search for new business
opportunities.

In September 2003 the Company sold ninety-five percent (95%) of its wholly owned subsidiary,
Contractor's Directory, Inc. to the former CEO of the Company for $5,000 and assumption of
all corporate debts related to Contractor's Directory, Inc., which resulted
in a loss on disposal of the subsidiary totaling $845,571.  (See note 7)

NOTE 2 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

Basis of Consolidation - The consolidated financial statements for 2002
included 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.

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.  There were no advertising
costs for the years ended September 30, 2003 and 2002.

Fixed Assets - Property and equipment
were stated at cost less accumulated depreciation.
Expenditures for major additions and improvements were capitalized and minor replacements,
maintenance and repairs were 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



Impairment of Long-Lived Assets - Long-lived assets are reviewed for impairment whenever
events or changes in circumstances indicate that the carrying value of an asset may not be
recoverable.  Recovery of assets to be held and used is measured by a comparison of the carrying
amount of the assets to the future net cash flows expected to be generated by the asset.  If such
assets are considered to be impaired, the impairment to be recognized is measured by the amount
of which the carrying amount of the assets exceeds the fair value of the assets.  Assets to be
disposed of are reported at the lower of the carrying amount or fair value less the cost to sell (see
Note 3).

Earnings (Loss) Per Share - SFAS No. 128, "Earnings Per Share" requires presentation of basic
earnings (loss) per share and diluted earnings per share.  The computation of basic loss per share
is computed by dividing loss available to common stockholders by the weighted average number
of outstanding common shares during the period.  Diluted earnings per share gives effect to all
dilutive potential common shares outstanding during the period.  These potentially dilutive
securities were not included in the calculation of loss per share for the years ended September 30,
2003 and 2002 because the Company incurred a loss during such periods and thus their effect
would have been anti-dilutive.  Accordingly, basic and diluted loss per share are the same for the
years ended September 30, 2003 and 2002.

Income Taxes - The Company accounts for income taxes using the
asset and liability method.  Under the
asset and liability method, deferred income taxes are determined based on differences between the
financial reporting and tax bases of assets and liabilities.  They are measured using the enacted
tax rates and laws that will be in effect when the differences are expected to reverse.  The
Company is required to adjust its deferred tax liabilities in the period when tax rates or the
provisions of the income tax laws change.  Valuation allowances are established to reduce
deferred tax assets to the amounts expected to be realized.

Research and Development Costs - Research and development costs are charged to operations as
they are incurred.

Disclosures about Fair Value of Financial Instruments - The carrying amount of the Company's
financial instruments, which include accounts receivable, due from related parties, accounts
payable, notes payable and accrued expenses approximate their fair values at September 30, 2003
and 2002.

Estimates - The presentation 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.

Comprehensive Income - The Company has no items of other comprehensive income (loss) for
the years ended September 30, 2003 and 2002.

Recent Accounting Pronouncements - In January 2003, (as revised in December 2003) The
Financial Accounting Standards Board ("FASB") issued Interpretation No. 46, "Consolidation of
Variable Interest Entities", an interpretation of Accounting Research Bulletin ("ARB") No. 51,
"Consolidated Financial Statements".  Interpretation No. 46 addresses consolidation by business
enterprises of variable interest entities, which have one or both of the following characteristics:
(i) the equity investment at risk is not sufficient to permit the entity to finance its activities
without additional subordinated support from other parties, which is provided through other
interest that will absorb some or all of the expected losses of the entity; (ii) the equity investors
lack one or more of the following essential characteristics of a controlling financial interest: the
direct or indirect ability to make decisions about the entities activities through voting rights or
similar rights; or the obligation to absorb the expected losses of the entity if they occur, which
makes it possible for the entity to finance its activities; the right to receive the expected residual
returns of the entity if the occur, which is the compensation for the risk of absorbing the expected
losses.

Interpretation No. 46, as revised, also required expanded disclosures by the primary beneficiary
(as defined) of a variable interest entity and by an enterprise that holds a significant variable
interest in a variable interest entity but is not the primary beneficiary.

Interpretation No. 46, as revised, applies to small business issuers no later than the end of the
first reporting period that ends after December 15, 2004.  This effective date includes those
entities to which Interpretation 46 had previously been applied.  However, prior to the required
application of Interpretation No. 46, a public entity that is a small business issuer shall apply
Interpretation 46 or this Interpretation to those entities that are considered to be special-purpose
entities no later than as of the end of the first reporting period that ends after December 15, 2003.

Interpretation No. 46 may be applied prospectively with a cumulative-effect adjustment as of the
date on which it is first applied or by restating previously issued financial statements for one or
more years with a cumulative-effect adjustment as of the beginning of the first year restated.

In April 2003, the FASB issued SFAS No. 149, "Amendment of Statement 133 on derivative
Instruments and Hedging Activities".  SFAS No. 149 amends and clarifies financial accounting
and reporting for derivative instruments, including certain derivative instruments embedded in
other contracts (collectively referred to as derivatives) and for hedging activities under SFAS No.
133, "Accounting for Derivative Instruments and Hedging Activities".  The changes in SFAS
No. 149 improve financial reporting by requiring that contracts with comparable characteristics
be accounted for similarly.  This statement is effective for contracts entered into or modified after
June 30, 2003 and all of its provisions should be applied prospectively.

In May 2003, the FASB issued SFAS No. 150, "Accounting for Certain Financial Instruments
with Characteristics of both Liabilities and Equity".  SFAS No. 150 changes the accounting for
certain financial instruments with characteristics of both liabilities and equity that, under
previous pronouncements, issuers could account for as equity.  The new accounting guidance
contained in SFAS No. 150 requires that those instruments be classified as liabilities in the
balance sheet.

SFAS No. 150 affects the issuer's accounting for three types of freestanding financial
instruments.  One type is mandatorily redeemable shares, which the issuing company is obligated
to buy back in exchange for cash or other assets.  A second type includes put options and forward
purchase contracts, which involves instruments that do or may require the issuer to buy back
some of its shares in exchange for cash or other assets.  The third type of instruments that are
liabilities under this Statement is obligations that can be settled with shares, the monetary value
of which is fixed, tied solely or predominantly to a variable such as a market index, or various
inversely with the value of the issuer's shares.  SFAS No. 150 does not apply to features
embedded in a financial instrument that is not a derivative in its entirety.

Most of the provisions of Statement 150 are consistent with the existing definition of liabilities in
FASB Concepts Statement No. 6, "Elements of Financial Statements".  The remaining
provisions of this Statement are consistent with the FASB's proposal to revise that definition to
encompass certain obligations that a reporting entity can or must settle by issuing its own shares.
This Statement shall be effective for financial instruments entered into or modified after May 31,
2003 and otherwise shall be effective at the beginning of the first interim period beginning after
June 15, 2003, except for mandatorily redeemable financial instruments of a non-public entity, as
to which the effective date is for fiscal periods beginning after December 15, 2004.

The implementation of the provisions of these pronouncements is not expected to have a
significant effect on the Company's consolidated financial statement presentation or disclosure.

NOTE 3 - EQUIPMENT

Depreciation
expense for the years ended September 30, 2003 and 2002 was $1,041, and $1,879,
respectively. During the year ended September 30, 2003, the Company disposed of
its remaining furniture and equipment which was fully depreciated.



NOTE 4 - CAPITAL STOCK











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



Common Stock











At September 30, 2003 and 2002 the Company had 50,000,000 shares of authorized
Common Stock with no par value and 1,989,251 shares issued and outstanding at
the end of both years. Holders of Common Stock are entitled to one vote for each
share held.



During March 2003, the Company implemented a one for twenty-five (1 for 25)
reverse stock split which changed the issued and outstanding common stock from
49,731,257 to 1,989,251 shares.  Retroactive effect has been given to share and
per share amounts resulting from this reverse stock
split in the financial statements.  The Company's transfer agent currently
reflects that there were 3,835,590 shares of common stock outstanding as of
September 30, 2003.  Of this amount, 2,000,000 shares were issued in error
by the share transfer agent and were subsequently cancelled, with 180,000 shares
issued in correction.  The Company is also in the process of investigating
the nature of the remaining 26,338 share discrepancy, which is believed to be
attributable to inconsistent issuances during fiscal 2002, but does not believe
the difference will result in any material changes to the accompanying financial
statements.



During March 2003, the Company also filed a Form 14C under SEC Rule 14c-101
which is an information statement to shareholders of the Company.  The statement
was to inform shareholders that the Company had authorized the issuance of up to
25,000,000 shares (post reverse stock split) of restricted common stock to
acquire the company known as Pocketpass.com, Inc. as a wholly owned subsidiary
of the Company.







Class A Preferred Stock











At September 30, 2003 and 2002 the Company had 5,000,000 shares of Class A
Preferred Stock authorized with no par value and no shares issued and
outstanding. 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.



Class B Preferred Stock











At September 30, 2003 and 2002 the Company had 2,000,000 shares of Class B
Preferred Stock authorized with $1 par value and no 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. During February
2002 the Company converted all 210,000 shares of Class B Preferred Stock into
Common Stock, including $10,000 in accrued preferred dividends. The amount of
Common Stock issued was 846,862 shares. These stockholders were also issued
Warrants to purchase one share of common stock for each Class B Preferred Stock
previously owned at $0.75 per share for a period through February 2004.



















NOTE 5 - INCOME TAXES

Significant components of the Company's deferred income tax assets at September 30, 2003
and 2002 are as follows:

|                                   | 2003                     |  | 2002                     
|---------------------------------- | ------------------------ |  | -------------------------
|                                   |                          |  |                          
|Deferred income tax
		asset:       |                          |  |                          
|Net operating loss
		carry forward | $      1,380,000         |  | $      1,330,000         
|Total deferred
		income tax asset  | 1,380,000                |  | 1,330,000                
|Valuation allowance                | (1,380,000)              |  | (1,330,000)              
|Net deferred income
		tax asset    | $                   
		- |  | $                    
		-
|                                   |                          |  |                          

The Company, based upon its history of losses during its development stage and management's
assessment of when operations are anticipated to generate taxable income, has concluded that it
is more likely than not that none of the net deferred income tax assets will be realized through
future taxable earnings and has established a valuation allowance for them.

Reconciliation of the effective income tax rate to the U.S. statutory rate is as follows:

|                                                    | 2003    |  | 2002   
|--------------------------------------------------- | ------- |  | -------
|                                                    |         |  |        
|Tax expense at the
		U.S. statutory income tax rate | (34.0)% |  | (34.0)%
|Increase in the
		valuation allowance               | 34.0    |  | 34.0   
|Effective income
		tax rate                         | -       |  | -      
|                                                    |         |  |        

The Company has
available net operating loss carry forwards of approximately $4,048,461. The net
operating loss carry forwards will expire at various dates through the year
2023.

NOTE 6 - 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 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.  Terms of the
settlement required payments to the United States Treasury totaling $72,750 by
January 3, 2002, and the temporary rescission of the auditor's right to practice
before the SEC for a period of one year.











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.



NOTE 7 - RELATED PARTY TRANSACTIONS

During the
fiscal year ended September 30, 2003 and 2002 the Company had total accrued
compensation
of nil and $200,000, respectively, to Mr. Plastino (See Notes 8 and 11).  Mr. Plastino was President and Chairman of
the Board of Directors.  Mr. Plastino also beneficially owned approximately 15% of the
Company's common stock outstanding.

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.  The lessor is also a
stockholder of the Company.  See Note 8.

In September 2003 the Company sold ninety-five percent (95%) of its wholly owned subsidiary,
Contractor's Directory, Inc. to the former CEO of the Company for $5,000 and assumption of
all corporate debts related to Contractor's Directory, Inc.



During the sale of Contractor's Directory, Inc. the purchaser, Mr. Plastino
agreed to forgive $201,852 of compensation and expenses owed to him. The extinguishment of the
debt was included as a separate line item in the statements of operations for
the year ended September 30, 2003.





NOTE 8 - COMMITMENTS

The Company leased its office facility under a non-cancelable operating lease.  This lease expired
at April 1, 2003.  Rent expense for years ended September 30, 2003 and 2002 was $0 and
$21,992, respectively.  During the years ended September 30, 2003 and 2002 the lessor, which is
also a related party, forgave any rental fee under this lease and any future rents due.

The Company entered into a consulting agreement with its former CEO and Chairman of the
Board of Directors, which required annual payments of $25,000 for his services.  As of
September 30, 2003, the balance due under this agreement in the amount of $200,000, which had been
previously accrued and included in accounts payable and accrued expenses, was cancelled, along with
the amount of $1,852 due and accrued to LGA, Inc.  The cancellation of the
aforementioned debt resulted in a gain on extinguishment of debt of $201,852.

In March 2001 the Company terminated its old operating lease agreement for its office facility.
The Company forfeited its lease deposit of $6,823 in full settlement of any future amounts due to
the lessor.



NOTE 9 - NOTES PAYABLE

At September 30, 2003 the Company had notes payable outstanding in the aggregate
amount of $35,000 to Pocketpass (See note 11).  This note bears interest
at 10% per annum and is due May 31 2003.  The note has been extended to
September 30, 2004.  Notes are payable to Pocketpass.com, Inc., with which the
Company has entered into a Share Exchange Agreement.  (See Note 8).



NOTE 10 - GOING CONCERN

The accompanying financial statements have been prepared in conformity with generally
accepted accounting principles, which contemplate continuation of the Company as a going
concern.  However, the Company has no established source of revenue, has experienced net
operating losses of $4,048,461 since inception, had a net loss of $670,847 and a negative cash
flow from operations of $833,537 for the year ended September 30, 2003, and has working
capital and stockholder's deficiencies of $171,588 and $171,583, respectively, as of
September 30, 2003.  These factors raise substantial doubt about the Company's ability to continue as a
going concern.  Without realization of additional capital, it would be unlikely for the Company to
continue as a going concern.  These financial statements do not include any adjustments relating
to the recoverability and classification of recorded asset amounts, or amounts and classification
of liabilities that might result from this uncertainty.  The Company has
developed new products, has developed a sales team and is vigorously pursuing
new business.  Management is also working with financiers to raise
additional capital.

NOTE 11 - SUBSEQUENT EVENTS

On March 7, 2003 the Company entered into a Share Exchange Agreement with Pocketpass.com,
Inc.  The Agreement states that the Company will acquire all of the issued and outstanding shares
of Pocketpass.com, Inc. in exchange for 25,000,000 restricted shares of its common stock, post
reverse stock split.  Completion of the agreement was subject to various
conditions. As of October 1, 2003 all conditions were met and the Share Exchange Agreement was finalized.
Subsequent financial statements will reflect the finalized business combination,
which will be accounted for as a recapitalization of Pocketpass.com, Inc., the
accounting acquirer, in a consolidated
financial statement.



Subsequent to
September 30, 2003 and after the merger with Pockterpass.com, Inc.  the
Company entered into the following transactions:



On February 26,
2004, the Company issued 183,928 shares to three (3) employees/consultants of
the Company in satisfaction of debt for services rendered totaling $86,600, at
an average price of $0.47 per share.  These shares will be registered on
Form S-8 at a convenient point in the future.



On February 27,
2004, pursuant to agreements entered into in November and December of 2003, the
company issued 4,800,000 shares, values at $0.05 per share, to seven,
then-existing creditors of the Company, canceling $240,000 of indebtedness. 
This issuance was pursuant to Section 4(2) and Rule 506, thereunder, and all
shares were restricted.



On February 28,
2004, the Company completed an early round of funding, via private placement
under Rule 506, raising a total of $285,500.  forth each dollar invested,
investors received four shares of restricted commons stock and three sets of 4
warrants: one set allowing the purchase of an additional shares of stock for
$0.50 within 6 months of the original investment, a second set allowing for the
purchase of an additional share of stock for $0.75 within 12 months of
investment and a final set allowing for the purchase of an additional share of
stock for $1.00 within 18 months of the original investment.  1,142,000
units were sold such that there were 1,142,000 of each of the 3 different
warrants issued to investors, along with 1,142,000 shares of restricted common
stock.  Of the warrants issued in this placement, 176,000 of the $0.50
round have been exercised, for cash, bringing the Company an additional $88,000. 
4,000 of the $0.75 warrants have been exercised, creating 4,000 additional
shares of stock for $3,000 in cash to the Company.  These exercises were
under the ambit of Rule 506 allowing for the issuance of restricted securities
without registration.



Between March 15,
2004 and April 30, 2004, an additional $90,000 was raised via private placement. 
Each investor in this placement acquired, for $0.50, one share of stock and 2
warrants, one allowing for exercise within 6 months of investment at $0.75 per
share and the other allowing for exercise within 12 months at a price of $1.00
per share.  180,000 shares were issued under this placement.



On April 23, 2004,
the Company issued 250,000 shares of its restricted common stock to Girac
Investments, for services rendered.  These shares were valued at $0.30 per
share and were issued under Rule 506 to an accredited investor.



On April 30, 2004,
the Company renegotiated the terms and conditions of its loan from Transfund
Ventures such that the then-current indebtedness, through April 30, 2004, of
approximately $500,000 would be due and payable, in full, on February 28, 2005. 
The principal and any unpaid interest could be converted, at the holder's
option, into common stock of the Company on a basis of $0.75 per share. 
Further, Transfund received 1,000,000 warrants, having a two-choice exercise
provision, with an exercise term of three (3) years.  If the exercise is
"cashless", then the exercise price will be $0.60 per share.  If actual
cash is paid upon exercise, then the exercise price will be $0.375 per share. 
All other terms and conditions of the Transfund note will remain as originally
executed.



On July 16, 2004,
the Company concluded a placement with existing accredited investors of $150,000
of convertible debentures.  These debentures may be converted into common
stock of the Company, at the election of the holders, at anytime in the ensuing
6-month period, utilizing a conversion ratio of $0.30 per share.  These
debentures also entitled the investors to warrants to purchase an additional
500,000 shares of the Company's common stock at an exercise price of $0.30 per
share, for a total of $150,000.



In late March,
2004, the Company entered into a binding letter of intent to acquire "XML
Author", a corporation, from its shareholders, Rob Adamson and John Wunderli. 
The terms of the acquisition call for the payment of $400,000 in cash and an
additional $400,000 in common stock of the Company, appraised at the closing and
again one year later, to assure that their market value is at least $400,000. 
An initial payment of $25,000 was due and paid on acceptance of the Letter of
Intent, and an additional $5,000 per month has been paid and will be paid
pending official closing.  These sums are credited towards the total
purchase price.



---













ITEM 8.     CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS













On June 21, 2004, the Company filed a Form 8-K announcing that it had changed it
auditors.  The company also filed the amended Form 8-K on August 9, 2004.



a) Previous
independent accountants



(i)
Effective
June 15, 2004, SVC Financial Services, Inc. ("Registrant"), confirmed with its auditors, Lichter, Weil & Associates ("Lichter"), that the firm would no longer be
representing the Registrant as its accountants. As of that date, the Company
informed Lichter that they were dismissed as the
Company's auditors.

(ii)
Lichter, Weil and Associates last reported on Registrant's financial statements
on December 23, 2002.
Registrant's financial statements for the fiscal year ended September 30, 2002,
as audited by Lichter, included an independent auditor's report containing an
explanatory paragraph describing the uncertainty as to the Company's ability to
continue as a going concern.



(iii) The change of independent
accountants was ratified by the Board of Directors of SVC Financial Services, Inc. on
December 18, 2003, but could not be confirmed with them until June 15, 2004
because they had relocated from their former address without notifying the
Company.  As a result, the Company did not file the required 8K until June
21, 2004.



(iv) During
SVC Financial Services' two most
recent fiscal years and the subsequent interim period through June 15, 2004,
there were no disagreements with Lichter on any matter of accounting
principles or practices, financial statement disclosure, or auditing scope or
procedure, which, if not resolved, to Lichter's satisfaction, would have
caused it to make reference to the subject matter of the disagreement in
connection with its report.  However, Lichter's reports on the Company's
consolidated financial statements for the year ended September 30, 2001
contained an explanatory paragraph describing the uncertainty as to the
Company's ability to continue as a going concern.  Registrant's financial
statements for the fiscal year ended September 30, 2002, as audited by Lichter,
also included an independent auditor's report containing an
explanatory paragraph describing the uncertainty as to the Company's ability to
continue as a going concern.



(v) During the two most recent
fiscal years and the subsequent interim period through June 15, 2004, there have been no reportable events (as defined in Regulation S-B Item 304(a)(1)(v)).



(a) During the previous two fiscal years and the subsequent interim period
through June 15, 2004, Lichter did not advise SVC Financial Services that the internal controls necessary for the registrant to develop reliable
financial statements do not exist.



(b)  During the previous two fiscal years and the subsequent interim period
through June 15, 2004, Lichter did not advise SVC Financial Services that any information
had come to their attention which had led them to no longer be able to rely on
management's representation, or that had made Lichter unwilling to be associated with the financial statements
prepared by management.



(c)  During the previous two fiscal years and the subsequent interim period
through June 15, 2004, Lichter did not advise SVC Financial Services that the scope of any audit needed to be expanded significantly or
that more investigation was necessary.



(d)  During the previous two fiscal years and the subsequent interim period
through June 15, 2004, Lichter did not advise SVC Financial Services that there was any information which the accountants concluded would
materially impact the fairness and reliability of either (i) a previously issued
audit report or the underlying financial statements, or (ii) the financial
statements issued or to be issued covering the fiscal period(s) subsequent to
the date of the most recent financial statements covered by an audit report
(including information that, unless resolved to the accountant's satisfaction,
would prevent it from rendering an unqualified audit report on those financial
statements.



(b) New independent accountants



The Registrant
engaged Weinberg & Company PA ("Weinberg") as its new independent accountant on
December 18, 2003. Prior
to December 18, 2003 the Registrant had not consulted with Weinberg regarding (i)
the application of accounting principles to a specified transaction, either
completed or proposed, or the type of audit opinion that might be rendered on
the Registrant's consolidated financial statements, and no written report or
oral advice was provided to the Registrant by Weinberg concluding there was an important factor to be considered by the Registrant in reaching a decision as to an accounting, auditing or financial reporting issue; or (ii) any matter that was either the subject of a disagreement, as that term is defined in Item 304(a)(1)(iv) of Regulation S-B and the related instructions to Item 304 of Regulation S-B, or a reportable event, as that term is defined in Item 304(a)(1)(iv) of Regulation S-B.  Prior to the engagement of Weinberg, the Company attempted to contact Lichter and notify it of
discharge.  The registrant was unable to locate Lichter until June 9, 2004.   On June 9, 2004,
Weinberg sent a request to Lichter (Exhibit 16.2). Weinberg did not receive any response to its
request.



ITEM 8A.   
CONTROLS AND PROCEDURES







We maintain disclosure controls and
procedures designed to ensure that information required to be disclosed in our
filings under the Securities Exchange Act of 1934 is recorded, processed,
summarized and reported within the time periods specified in the Securities and
Exchange Commission's rules and forms. Our chief executive officer and chief
financial officer have evaluated our disclosure controls and procedures at the
end of the year included in the filing of this annual report of Form 10-KSB and have determined that such disclosure controls and
procedures are effective.



















































There have been no significant changes in our internal controls or in other factors that could significantly affect
internal controls subsequent to the date of their evaluation including any corrective actions with regard to
significant deficiencies and material weaknesses.



INFORMATION RELATING TO THE AUDIT
COMMITTEE OF THE BOARD OF DIRECTORS



The purpose of the Audit Committee is to
assist the Board of Director in the oversight of the integrity of the
consolidated financial statements of the Company, the Company's compliance with
legal and regulatory matters, the independent auditor's qualifications and
independence, and the performance of the Company's independent auditors.



The primary responsibilities of the Audit
Committee are set forth in the charter, and include various matters with respect
to the oversight of the Company's accounting and financial reporting process and
audits of the consolidated financial statements of the Company on behalf of the
Board of Directors.  The Audit Committee also selects the independent
certified public accountants to conduct the annual audit of the consolidated
financial statements of the Company; reviews the proposed scope of the audit;
reviews accounting and financial controls of the Company with the independent
public accountants and financial accounting staff; and reviews and approves
transactions between the Company and its directors, officers, and their
affiliates.



Due to the limited number of Board Members,
the entire board of directors is acting as a small business issuer's audit
committee as specified in section 3(a)(58)(B) of the Exchange Act (15 U.S.C.
78c(a)(58)(B).





---



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, 2003 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
    POSITION
    HELD POSITION SINCELen Hartkemeier
    Director
    September 12, 2003Douglas Denoff
    Director
    September 12, 2003Christopher Haigh
    President/CEO/Director
    September 12, 2003M. Yaqub Mirza
    Director
    September 12, 2003Inder Singh
    Director
    September 12, 2003







Len Hartkemeier, 55, has worked full time as a consultant
for Hartkemeier and Company, Inc. for over 20 years.  In this capacity, he has
advised many young companies in the development of their business plans,
corporate goals, marketing plans, financial structure, employee needs, and
potential sources of financing.  He has also performed due diligence for clients
looking for investments.  He also assists small and large companies in strategic
planning.  Such client companies have included ventures involved with digital
signage, natural beverages, movie distribution, and efficient energy
production.  Previously, Mr. Hartkemeier was a stockbroker with the Beverly
Hills offices of Smith, Barney, Harris, Upham & Co. and Sutro & Co where he
specialized in portfolio structuring, municipal bond sales, and tax advantaged
investments for very high net worth clients.  Mr. Hartkemeier is a graduate of
the University of California, Los Angeles where he received a bachelor's degree
and completed graduate studies in Economics.  He resides in Malibu, California.



Christopher Haigh,  53,  is currently the President of the
Tyburn Group, which provides marketing and management services to entertainment
and communications companies, since 1986.  Mr. Haigh has been creative director
and department head at Transcom Software and an executive at MSH Entertainment
from 1996 to 1999.  During 2000, he led marketing initiatives at ePIT systems
and Chuckwalla.  He has founded two companies: East End Communications in
1981 and eCurator.com in 1999.  He is a graduate of Oxford University and the
Central School of Drama in London.



M. Yaqub Mirza, 56.  Dr. Mirza has served as a director of
Linuxworks, Inc. since 1992.  Since June 1998, Dr. Mirza served as President and
Chief Executive Officer of Sterling Management Group, a business development and
management consulting services company.  Since March 1995, Dr. Mirza has served
as President and Chief Executive Officer of MarJac Investments, an international
investment firm, and served as it Executive Vice-President from April 1997 to
March 1995.  Dr. Mirza also serves as Chairman of the Board of Directors of
Jugos Concentrados, a Chilean manufacturer of juice concentrates and as Trustee
and Chairman of Amana Mutual Funds Trust.  Dr. Mirza holds a B.S. in Physics and
Mathematics from the University of Punjab, Pakistan, a M.S. in Physics from the
University of Karachi, Pakistan and a Ph.D. in Physics and M.A. in Teaching
Science from the University of Texas at Dallas.



Inder Singh, 58. Mr. Singh is Chairman, CEO and President of
LynuxWorks.  Mr. Singh founded and served as Chief Executive Officer  of Excelan,
a local area network, or LAN, company from May 1982 to April 1985.  In April
1997, Mr. Singh co-founded Kalpana, a Lan switch company.  Mr. Singh
currently serves as Chairman and President of the Embedded Linux Consortium.  Mr. Singh holds a B.S. in
Electrical Engineering from the Indian Institute of Technology, Delhi, India, an
M.S. in Electrical Engineering and Computer Science from Polytechnic Institute
of New York and a Ph.D. in computer science from Yale University.



Harvey Bornstein, 64, has been the owner of Bornstein &
Associates from 1985 to the present and has served continuously as its Chief
Executive Officer.  The Company provides management consulting and financial
guidance to small, rapidly-growing high-technology companies.  Mr. Bornstein
graduated from the University of Southern California in 1963 with a B.S. in
Finance and Real Estate.



Involvement in Certain Legal Proceedings













None.









Family Relationships













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













ITEM 10.     EXECUTIVE COMPENSATION













Between October 1,
2000 and September 30, 2002, Pakie Plastino received $25,000 as reimbursement
for his office expenses, which was accrued as wages and reimbursements payable. 
On or around June 11, 1994, Pakie Plastino was debarred 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.







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.











The Company has no written employment agreements.











Other than that disclosed above, no compensation was paid during Fiscal
2003 to any of the officers or directors of the Company to the extent
that they were compensated in excess of $60,000.



Summary Compensation Table



|Name and
      Principal Position
      (a)         | Year
      (b)                                               | Annual Compensation                                 | Long-Term Compensation | All Other Compensation
      ($)
      (i)
|--------------------------------------------------- | ------------------------------------------------------------ | --------------------------------------------------- | ---------------------- | ------------------------------------------
|Salary
      ($)
      (c)                          | Bonus
      ($)
      (d)                                    | Other Annual
      Compensation
      ($)
      (e) | Awards                 | Payouts                                   
|Restricted
      Stock Award(s)
      ($)
      (f) | Securities
      Underlying Options/SARs
      (#)
      (g) | LTIP Payouts
      ($)
      (h)                   
|William Doehne                                      | 2003                                                         | 0                                                   | 0                      | 0                                         
|Former
      President                              | 2002                                                         | 15,000                                              | 0                      | 0                                         
|                                                    | 2001                                                         | 0                                                   | 0                      | 0                                         
|                                                    |                                                              |                                                     |                        |                                           
|Christopher Haigh                                   | 2003                                                         | 0                                                   | 0                      | 0                                         
|President/CEO/Director                              | 2002                                                         | 0                                                   | 0                      | 0                                         
|                                                    | 2001                                                         | 0                                                   | 0                      | 0                                         
|                                                    |                                                              |                                                     |                        |                                           
|M.
		Yaqub Mirza                                    | 2003                                                         | 0                                                   | 0                      | 0                                         
|Director                                            | 2002                                                         | 0                                                   | 0                      | 0                                         
|                                                    | 2001                                                         | 0                                                   | 0                      | 0                                         
|                                                    |                                                              |                                                     |                        |                                           
|Inder
		Singh                                       | 2003                                                         | 0                                                   | 0                      | 0                                         
|Director                                            | 2002                                                         | 0                                                   | 0                      | 0                                         
|                                                    | 2001                                                         | 0                                                   | 0                      | 0                                         
|                                                    |                                                              |                                                     |                        |                                           
|Harvey
		Bornstein                                  | 2003                                                         | 0                                                   | 0                      | 0                                         
|Director                                            | 2002                                                         | 0                                                   | 0                      | 0                                         
|                                                    | 2001                                                         | 0                                                   | 0                      | 0                                         
|                                                    |                                                              |                                                     |                        |                                           
|Len
		Hartkemeier                                   | 2003                                                         | 0                                                   | 0                      | 0                                         
|Director                                            | 2002                                                         | 0                                                   | 0                      | 0                                         
|                                                    | 2001                                                         | 0                                                   | 0                      | 0                                         
|                                                    |                                                              |                                                     |                        |                                           
|Coya
      Cady                                     | 2003                                                         | 0                                                   | 0                      | 0                                         
|Former Secretary/Treas.                             | 2002                                                         | 12,500                                              | 0                      | 0                                         
|                                                    | 2001                                                         | 0                                                   | 0                      | 0                                         













ITEM 11.     SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT













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











The tables below lists, as of
October 1, 2003, 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. The current officers
and directors of the Company assumed their positions on September 12, 2003, but
were not issued their shares until October 1, 2003 and are, therefore, not
included in the total number of shares issued and outstanding as of September
30, 2003. (The listed percentages are based on 26,989,251 shares which would be
issued and outstanding upon the complete issuance of all shares upon Closing.)









Shareholdings of Directors and Executive Officers and 5% Holders



|NAME                            | POSITIONS HELD           | SHARES OWNED | PERCENTAGE
|------------------------------- | ------------------------ | ------------ | ----------
|Douglas Denoff                  | Director                 | 4,000,000    | 14.82%    
|W.L. Perdue                     |                          | 4,000,000    | 14.82%    
|Inder Singh*                    | Director                 | 4,453,900    | 16.5%     
|M. Yaqub Mirza*                 | Director                 | 1,246,068    | 4.6%      
|Harvey Bornstein*               | Director                 | 66,667       | 0.24%     
|Len Hartkemeier*                | Director                 | 66,667       | 0.24%     
|OP, LLC                         |                          | 1,250,000    | 4.63%     
|Christopher Haigh*              | President, CFO, Director | 0            | 0.0%      
|Officers & Directors as a group | 9,766,635                | 55.85%      









* These shares were
not issued prior to September 30, 2003.



ITEM 12.    CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS













During the
fiscal year ended September 30, 2003 and 2002 the Company had total accrued
compensation
of nil and $200,000, respectively, to Mr. Plastino (See Notes 8 and 11).  Mr. Plastino was President and Chairman of
the Board of Directors.  Mr. Plastino also beneficially owned approximately 15% of the
Company's common stock outstanding.

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.  The lessor is also a
stockholder of the Company.  See Note 9.

In September 2003 the Company sold ninety-five percent (95%) of its wholly owned subsidiary,
Contractor's Directory, Inc. to the former CEO of the Company for $5,000 and assumption of
all corporate debts related to Contractor's Directory, Inc.



During the sale of
Contractor's Directory, Inc. the purchaser, Mr. Plastino, agreed to forgive
$201,852 of compensation and expenses owed to him. The extinguishment of debt
was included as a separate line item in the statements of operations for the
year ended September 30, 2003.









ITEM 13.    EXHIBITS AND REPORTS ON FORM 8-K













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







I.

1.     Index to Financial Statements









2 .    Independent Auditors' Reports







3.     Consolidated Balance Sheets at September 30, 2003 and
2002







4.     Consolidated Statement of Loss and Accumulated
Deficit for the years ended September 30, 2003 and 2002









5.     Consolidated Statement of Cash Flows for the years
ended September 30, 2003 and 2002 and the period from July 14, 1995 (inception) to September 30, 2003







6.     Statement of Statement of Changes in Stockholders' Equity for
the years ended September 30, 2003 and 2002 and period from July 14, 1995 (inception) to September 30, 2003





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)







(c)  The index of exhibits





31.1                                            
Rule 13a-14a/15d-14(a) Certification of Chief Executive/Financial Officer

32.1                                             Section 1350 Certification
of Chief Executive/Financial Officer













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.









SVC Financial Services, Inc.,









a Colorado corporation











Date:



By: /s/
Christopher Haigh









Christopher Haigh, President,
CFO and Director



By: 
/s/  Len Hartkemeier

Len
Hartkemeier, Director



By: /s/ Harvey
Bornstein

Harvey Bornstein,
Director



By: /s/ M. Yaqub
Mirza

M. Yaqub Mirza,
Director



By:
/s/ Inder Singh

Inder Singh,
Director





Pursuant to the requirements of the Securities Exchange Act of 1934,
this report has been signed below by the following persons on behalf of the Company
and in the capacities and on the dates indicated.







Date:



By:/s/
Christopher Haigh









Christopher Haigh, President,
CFO and Director



By: 
/s/  Len Hartkemeier

Len
Hartkemeier, Director



By: /s/ Harvey
Bornstein

Harvey Bornstein,
Director



By: /s/ M. Yaqub
Mirza

M. Yaqub Mirza,
Director



By:
/s/ Inder Singh

Inder Singh,
Director

---





Exhibit 31.1



|Pursuant to the
    requirements of Rule 13a-14 of the Securities Exchange Act of 1934, as
    amended,  provides the following certification.
         I,  Christopher Haigh, President, CFO and
	Director of SVC Financial Services, Inc. ("Company"), certify that:
|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|1.                                                                                                                                                                                                                                                                    
|2.                                                                                                                                                                                                                                                                    
|3.                                                                                                                                                                                                                                                                    
|4.                                                                                                                                                                                                                                                                    
|5.                                                                                                                                                                                                                                                                    

|a. | All significant
    deficiencies and material weaknesses  in the design or operation of internal control
    over financial reporting which are reasonably likely to adversely affect the
    Company's ability to record, process, summarize and report financial data;
    and
|-- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|  
|b. | Any fraud, whether or
    not material, that involves management or other employees who have a
    significant role in the Company's internal control over financial reporting; and                                                                                             
|  
|   |                                                                                                                                                                                                                                                                                 

|Date: May   , 2004 | /s/ Christopher
		Haigh                        
|------------------ | -----------------------------------------------
|                   | Christopher Haigh,  President, CFO and Director
|                   |                                                

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Exhibit 32.1

CERTIFICATION PURSUANT TO 18 U.S.C. Section 1350, AS ADOPTED PURSUANT TO
SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Annual Report of SVC
Financial Services, Inc. on Form 10-KSB for the year ending September 30, 2003, as filed with the
Securities and Exchange Commission on the date hereof (the "Report"), I,
Christopher Haigh, President, CFO and Director of the Company, certify, pursuant
to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002, that, to the best of my knowledge and belief: (1)
the Report fully complies with the requirements of Section 13(a) or 15(d) of the
Securities Exchange Act of 1934; and (2) the information contained in the Report
fairly presents, in all material respects, the financial condition and result of
operations of the Company.

/s/ Christopher Haigh

Christopher Haigh

President, CFO and Director

May __, 2004



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