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                                                                    EXHIBIT 4.9

                     MODIFICATION AND SETTLEMENT AGREEMENT

     THIS MODIFICATION AND SETTLEMENT AGREEMENT is made and entered into as of
this 30th day of November, 2001, by and between CHEQUEMATE INTERNATIONAL, INC.,
a Utah corporation (together with all Subsidiaries of Chequemate International,
Inc., "the Company") and CROOKS HOLLOW ROAD, LLC, a Cayman Islands Limited
Liability Company (the "Investor", together with the Company, the "Parties")

     WHEREAS, the Parties entered into that certain Common Stock Purchase
Agreement ("Stock Purchase Agreement") dated May 10, 2000 and all Exhibits to
the Stock Purchase Agreement, including, but not limited to that certain
Registration Rights Agreement dated May 10, 2000 attached to the Stock Purchase
Agreement as Exhibit B ("Escrow Agreement"); and the Warrant dated May 10, 2000
attached to the Stock Purchase Agreement as Exhibit C (the "Warrant", together
with the Registration Agreement, and the Escrow Agreement, "the Exhibits"); and

     WHEREAS, the Parties entered into that certain Modification Agreement dated
August 28, 2000 ("First Agreement") which Modification Agreement modified
certain terms of the Stock Purchase Agreement; and

     WHEREAS, the Parties entered into that certain Amendment to Agreement dated
February 18, 2001 which Amendment to Agreement amended certain terms of the
Stock Purchase Agreement (the "Second Amendment", together with the Stock
Purchase Agreement, the Exhibits, the First Amendment, and the Second Amendment,
the "Prior Agreements"); and

     WHEREAS, the Company has not complied with the requirement, pursuant to the
Prior Agreements, that it file, and have declared effective, a Registration
Statement with the Securities
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and Exchange Commission; and

     WHEREAS, pursuant to the terms of Article 2 of the Securities Purchase
Agreement, the Investor had certain repricing rights with respect to its shares
of Common Stock; and

     WHEREAS, in lieu of the exercise by the Investor of its repricing rights
and all other rights created by any and all Prior Agreements, and payment by the
Company of amounts due to the Investor under the Registration Rights Agreement,
the parties have agreed to modify certain terms and provisions of the Prior
Agreements.

     NOW, THEREFORE, it is mutually agreed by the parties as follows:

     1.   A complete capitalization table of the Company at November 17, 2001
including all outstanding common stock, preferred stock, securities with
conversion rights, options, warrants, and any securities having any contingent
or repricing rights, is annexed hereto as Exhibit "1." The Company warrants and
represents that Exhibit 1 is true and correct in all respects.

     2.   (a) The Company has represented to the Investor that on or before
November 30, 2001, the Company shall issue to the shareholders of Another World,
Inc., a corporation established under the laws of the Republic of Korea,
pursuant to an Amended and Restated Master Agreement dated June 13, 2001 (the
"Another World Issuance), approximately 38,504,275 shares of the Common Stock
constituting a fifty-one (51%) percent equity interest on a fully diluted basis
in exchange for a consideration of Three Million Five Hundred Thousand
($3,500,000) Dollars, as more specifically set forth in the Proxy Statement for
the special meeting of shareholders held July 31, 2001 and filed with the
Commission on or about July 9, 2001.

          (b) Subject to the terms and conditions of this Agreement, the Company
shall issue ("Crooks Hollow Issuance") to Investor an amount of shares of the
Company's Common

                     Modification and Settlement Agreement
            Chequemate International, Inc. & Crooks Hollow Road, LLC
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Stock, par value $.0001 per share (the "Common Stock"), equal to eight percent
(8%) of the issued and outstanding Common Stock, in the form of newly-issued
shares of the Common Stock, calculated on a fully diluted basis, including for
such purpose, the full exercise of any conversion rights or Warrants,
simultaneous with the Another World Issuance (the "Crooks Hollow Shares").

          (c) The parties agree that in the event that more than 38,504,275
shares are issued to the shareholders of Another World, Inc. or their
designees under the Another World Issuance, the number of Crooks Hollow
Shares shall be appropriately adjusted in accordance with the provisions of
provisions of Paragraph 2(b) to equal eight percent (8%) of the issued and
outstanding Common Stock.

          (d) The provisions of P. 2(b) and 2(c) shall apply to any Another
World Issuance up to eighty-five (85%) percent of the issued and outstanding
Common Stock.

     3.   Investor agrees that it will not sell, on any given trading day, a
number of shares of the Company's Common Stock in excess of twenty (20%) percent
of the aggregate trading volume of the Company's Common Stock on the prior day
as reported by the Principal Trading Market.

     4.   Simultaneous herewith, the Company shall execute the Restated
Registration Rights Agreement annexed hereto as Exhibit "2."

     5.   In the event that the Another World Issuance shall not occur on or
prior to December 31, 2001, this Agreement shall be of no force and effect, and
all amounts due to Investor under the Prior Agreements shall be deemed in full.
In such event, the effective date of the Registration Statement for calculation
of Repricing Shares shall be deemed to be July 1, 2001.

     6.   The Company shall use its best efforts to (a) have the Common Stock of
the Company diligently listed for trading a securities exchange or trading
market, and (b) to file all

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necessary filings with the Securities and Exchange Commission under the
Securities Exchange Act of 1934, and/or any applicable listing or other law or
regulation. The Investor shall make such filings as may be required by law or
any applicable regulation.

     7.   (a) Except to the extent specially provided below, but in each such
event subject to compliance with all of the other provisions of this Agreement,
the Company covenants and agrees that it will not, without the prior written
consent of the Investor, enter into any subsequent or further offer or sale of
Common Stock or securities convertible into Common Stock (collectively, New
Common Stock") to or with any third party pursuant to a transaction in which the
purchase price per share or the exercise price per share, as applicable, of New
Common Stock is less than the Another World price ($0.09 per share) on any date
which is earlier than one hundred eighty (180) days after the effective date of
the Registration Statement.

          (b) If, at any time after the expiration of the period contemplated by
Section 7(a) hereof (or prior thereto with the consent of the Investor) and
through and including the date which is twelve (12) months after the Effective
Date, the Company enters into a transaction (a "New Transaction") with a third
party on terms providing for either (A) a sale price (the "New Transaction
Price") equal to or computed based on, or a determination of a conversion price
(howsoever defined or computed) that is less than the Another World Price , then
the terms of any issuance of Crooks Hollow Shares shall be modified and the
increasing number of Crooks Hollow Shares to be equal to that as if issued under
the New Transaction Price (all such adjustments, collectively, the "New Crooks
Hollow Issue").

          (c) The foregoing provisions of Section 7 do not apply to the issuance
of New Common Stock (i) to Another World Investors in connection with such
party's exercise of

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conversion or other rights if may have under documents executed and transactions
consummated prior to the date of this Agreement or (ii) pursuant to an Employee
Stock Option Plan ("ESOP") of the Company, such ESOP having been properly
approved by the shareholders of the Company prior to the date of this Agreement.

          (d) By the Closing Date, the Company shall obtain the agreement (each,
a "Principal's Agreement") of each of its Principals (as defined below) that,
without the prior written consent of the Investor in each instance, such
Principal will not sell, on any given trading day, a number of shares of the
Company's Common Stock directly or indirectly held by such Principal during the
period commencing on the date of this Agreement and continuing through and
including the date which is ninety (90) days after the Effective Date, in excess
of twenty (20%) percent of the aggregate trading volume of the Company's Common
Stock on the prior day as reported by the Principal Trading Market. Each such
Principal's Agreement shall (a) specify that it is entered into as an inducement
to the Investor's execution, delivery and performance of this Agreement, (b)
name the Investor as a third party beneficiary thereof, (c) acknowledge that the
Company's transfer agent will be provided with instructions that transfers by a
Principal require the consent of the Company and the Investor, and (d)
contemplate that, in addition to any other damages or remedies that may be
appropriate, the Principal's Agreement shall be enforceable by injunction sought
by the Company and the Investor or any one or more of them. A "Principal" is a
Person who meets any one or more of the following criteria: (A) each Person who
is a director or principal officer of the Company or who, directly or
indirectly, holds in excess of five (5%) percent of the outstanding shares of
Common Stock of the Company (each, a "Company Principal"), (B) a spouse of a
Company Principal (a "Principal's Spouse") who, directly or

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indirectly, holds any shares of Common Stock of the Company, (C) a parent,
sibling or child of a Company Principal who resides in the household of a
Company Principal or of a Principal's Spouse (each, a "Principal's Relative")
and who, directly or indirectly, holds any shares of Common Stock, or (D) any
other Person or entity, including, without limitation, for profit or non-profit
corporations, partnerships and trusts, whose voting rights regarding Common
Stock of the Company is subject to the direction, control or other influence of
any Company Principal, Principal's Spouse, or Principal's Relative.

     8.   The Company shall pay all reasonable fees and expenses, up to and
including $20,000.00 incurred by the Investor in connection with the execution
and delivery of this Modification and Settlement Agreement, the Restated
Registration Rights Agreement, any prior Modification Agreements, and any
amendments, including, without limitation, all reasonable attorneys fees and
expenses, provided that the Investor presents a detailed summary of all expenses
and fees it had incurred. Under no circumstances, the Company shall be liable
for any expenses or fees incurred by the Investor over $20,000.00 The Company
shall pay all stamp or other similar taxes and duties levied in connection with
issuance of the Shares pursuant hereto.

     9.   The Company, for itself and on behalf of all affiliated persons and
entities, representatives, and all predecessors in interest, successors and
assigns (collectively, the "Releasing Parties"), hereby releases and forever
discharges each of Purchaser, and Purchaser's direct and indirect partners,
officers, directors, employees, affiliates, representatives, advisors, agents,
trustees, beneficiaries, predecessors in interest, successors in interest and
nominees, of and from any and all claims, demands, actions and causes of action,
whether known or unknown, fixed or contingent, arising prior to the date of
execution of this Agreement, that the Company may have

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had, may now have or may hereafter acquire with respect to any matters
whatsoever under, relating to or arising from Prior Agreements, including (i)
any defenses it may have with respect to honoring the terms of the Prior
Agreements, or any (ii) offsets it may have with respect to the amounts owed
under the Prior Agreements. Additionally, the Company represents, warrants and
covenants that it has not, and at the time this release becomes effective will
not have, sold, assigned, transferred, or otherwise conveyed to any other person
or entity all or any portion of its rights, claims, demands, actions, or causes
of action herein released. Except as specifically set forth herein, nothing
contained herein shall in any way be deemed to effect or modify the
representations, warranties, rights and obligations of the respective parties as
set forth in the Prior Agreements.

     10.  If (i) the Investor becomes involved in any capacity in any action,
proceeding or investigation brought by any stockholder of the Company, in
connection with or as a result of the consummation of the transactions
contemplated by this Agreement or the Prior Agreements, or if such the Investor
impleaded in any such action, proceeding or investigation by any person, or (ii)
the Investor becomes involved in any capacity in any action, proceeding or
investigation brought by the Securities and Exchange Commission, any
self-regulatory organization or other body having jurisdiction, against or
involving the Company or in connection with or as a result of the consummation
of the transactions contemplated by this Agreement or the Prior Agreements, or
if the Investor is impleaded in any such action, proceeding or investigation by
any person, then in any such case, the Company hereby agrees to indemnify,
defend and hold harmless the Investor from and against and in respect of all
losses, claims, liabilities, damages or expenses resulting from, imposed upon or
incurred by the Investor, directly or indirectly, and reimburse such Investor

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for its reasonable legal and other expenses (including the cost of any
investigation and preparation) incurred in connection therewith, as such
expenses are incurred. In addition, the Company will reimburse the Investor for
reasonable internal and overhead costs for the time of any officers or employees
of the Investor devoted to appearing and preparing to appear as witnesses,
assisting in preparation for hearings, trials or pretrial matters, or otherwise
with respect to inquiries, hearing, trials, and other proceedings relating to
the subject matter of this Agreement. The indemnification and reimbursement
obligations of the Company under this paragraph shall be in addition to any
liability which the Company may otherwise have (other than matters specifically
addressed in the Registration Rights Agreement, which shall be governed solely
by that agreement), shall extend upon the same terms and conditions to any
affiliates of the Investor who are actually named in such action, proceeding or
investigation, and partners, directors, agents, employees and controlling
persons (if any), as the case may be, of the Investor and any such affiliate,
and shall be binding upon and inure to the benefit of any successors, assigns,
heirs and personal representatives of the Company, the Investor, any such
affiliate and any such person. The Company also agrees that neither the Investor
nor any such affiliate, partner, director, agent, employee or controlling person
shall have any liability to the Company or any person asserting claims on behalf
of or in right of the Company in connection with or as a result of the
consummation of this Agreement, except as specifically provided in or
contemplated by this Agreement

     11.  Upon the Company's full and timely compliance with all of its
obligations under this Agreement and under the Restated Registration Rights
Agreement, the Investor, for itself and on behalf of all affiliated persons and
entities, representatives, and all predecessors in interest, successors and
assigns (collectively, the "Releasing Parties"), hereby releases and forever

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discharges each of the Company, and the Company's direct and indirect partners,
officers, directors, employees, affiliates, representatives, agents, trustees,
beneficiaries, predecessors in interest, successors in interest and nominees, of
and from any and all claims, demands, actions and causes of action, whether
known or unknown, fixed or contingent, arising prior to the date of execution of
this Agreement, that the Investor may have had, may now have or may hereafter
acquire with respect to any matters whatsoever under, relating to or arising
from Prior Agreements, including (i) any defenses it may have with respect to
honoring the terms of the Prior Agreements, or any (ii) offsets it may have with
respect to the amounts owned under the Prior Agreements. Additionally, the
investor represents, warrants and covenants that it has not, and at the time
this release becomes effective will not have sold, assigned, transferred, or
otherwise conveyed to any other person or entity all or any portion of its
rights, claims, demands, actions, or causes of action herein released.

     12.  As hereby modified and amended, the Prior Agreements remain in full
force and effect. This Agreement supercedes any prior Modification Agreement
between the parties.

     13.  This Agreement has been authorized by all due corporate action on
behalf of the Company.

     IN WITNESS WHEREOF, the parties have executed this agreement as of the date
first above written.

                                        CHEQUEMATE INTERNATIONAL, INC.

                                        By: /s/ Chandos Mahon
                                           -----------------------------
                                        Name: Chandos Mahon
                                        Title: President

                                        CROOKS HOLLOW ROAD, LLC

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                                        By: /s/ David Simms
                                           -----------------------------
                                        Name: Navigator Management Ltd.
                                             ---------------------------
                                        Title: Director
                                              --------------------------

                     Modification and Settlement Agreement
            Chequemate International, Inc. & Crooks Hollow Road, LLC
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                                                                    EXHIBIT 4.31

                    SETTLEMENT AGREEMENT AND GENERAL RELEASE

     This Settlement Agreement ("Agreement") is made and entered into between
HUDSON CONSULTING GROUP, INC. ("Hudson"), on the one hand, CHEQUEMATE
INTERNATIONAL, INC., dba C3D DIGITAL, INC. ("C3D"), on the other hand. The
above-named parties are referred to collectively hereinafter as "the Parties."

                                    RECITALS

     Whereas, certain disputes have arisen between the Parties;

     Whereas, on October 22, 2001, Hudson filed a suit against C3D in the in the
Third District Court of the State of Utah, Salt Lake County, Case No. 000909325,
HUDSON V. C3D.

     Whereas, the Parties now desire to resolve all claims, known and unknown,
which may exist among them relating to, or arising out of, the action entitled
HUDSON V. C3D.

     Now therefore, in consideration of the above premises and the following
covenants, it is hereby agreed as follows:

PURPOSE

1.   The Parties hereto understand, acknowledge, and agree that the execution of
     this Agreement constitutes a compromise of the disputes that exist between
     them, that this Agreement is not to be considered as any finding of fact
     nor construed as an admission of liability or fault by any party.

RECIPROCAL OBLIGATION

2.   C-3D will issue 514,000 shares of its common stock to Hudson (the
     "Settlement Shares"), valued at a price per shares of $0.175. These shares
     would be immediately made a part of the S-3 registration statement of C-3D,
     subject only to the registration statement going effective for trading
     restrictions to be lifted on the 514,000 shares to be issued to Hudson.

3.   From the time that the registration statement goes effective Hudson would
     agree to limit its sales during each thirty-day period following that date
     to 20% of the shares received pursuant to the settlement agreement.

4.   At the end of the five-month period following the effective date, C-3D
     would cover any shortfall in sales proceeds generated by the sales of the
     common stock received by Hudson, the maximum of the guaranty is for
     $90,000. Any at point that sales proceeds equal or exceed the sum of
     $90,000, Hudson may sell shares equal to 10% of the preceding week's sales
     volume from that time forward.
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5.   The respective Parties have agreed to jointly draft and execute this
     Settlement Agreement and General Release, and after the language is
     finalized, to provide the other with a copy of the executed signature page
     with all due expediency.

6.   The Parties agree that payment made in the form of items 1 through 5 of
     this agreement by C3D shall constitute full and complete settlement of all
     disputes arising from, or related to the action entitled HUDSON V. C3D,
     Case No. 000909325.

7.   After counsel for C3D receives in his office a copy of the executed
     signature page of this Settlement Agreement, C3D shall issue the Settlement
     Shares, to be sent to Michael Golightly, Attorney at Law, made payable to
     Hudson Consulting Group, Inc..

8.   Within seven (7) calendar days of receipt of the Settlement Shares, counsel
     for Hudson shall file Request for Dismissal with prejudice with the Third
     District Court of the State of Utah, Salt Lake County, Case No. 000909325
     and duly notify the court of the settlement. Counsel for Hudson shall also
     serve C3D's counsel with copies of all of Hudson's communications with the
     court.

RELEASE OF CLAIMS

9.   Each party agrees for itself, its predecessors, successors, and assigns, to
     fully and unconditionally release and forever discharge the other party,
     including each party's successors, assigns, subsidiaries, affiliates,
     transferees, attorneys, representatives, agents, officers, directors,
     employees, insurers, and reinsurers, past, present, and future, from and on
     account of any and all claims, demands, actions, causes of action, or
     charges of any nature or kind whatsoever against the other party, whether
     known or unknown, asserted or unasserted, choate or inchoate, related to or
     arising out of the action entitled HUDSON V. C3D, Case No. 000909325.

ADVICE OF COUNSEL

10.  In executing this Agreement, the Parties acknowledge that they have been
     advised to consult with and have consulted with and had the advice of an
     attorney duly admitted to practice law in the State of California prior to
     executing this Agreement, and that they have voluntarily executed this
     Agreement after a careful and independent investigation, and not under
     fraud, duress, or undue influence.

BINDING ON SUCCESSORS

11.  This Agreement shall be binding on and inure to the benefit of the Parties
     hereto, their heirs, executors, administrators, successors-in-interest, and
     assigns.
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INTEGRATION

12.  All Parties hereby agree that this Agreement is the complete and exclusive
     statement of the mutual understanding of the Parties and supersedes and
     cancels all previous written and oral agreements and communications
     relating to the action entitled HUDSON V. C3D, Case No. 000909325.

INTERPRETATION

13.  The Parties hereby agree that no inference or rule of inference shall be
     made by reason of the fact that one Party caused this Agreement to be
     drafted. For purposes of interpretation of the Agreement, it shall be
     assumed that all Parties drafted each provision of the Agreement. This
     Agreement shall be deemed to have been made in, and shall be construed
     pursuant to the laws of the State of California.

SEVERABILITY

14.  If any provision of this Agreement shall be adjudged by any court of
     competent jurisdiction to be unenforceable or invalid, that provision shall
     be limited or eliminated to the minimum extent necessary so that this
     Agreement shall otherwise remain in full force and effect and enforceable.

CONFIDENTIALITY

15.  The Parties hereto specifically acknowledge, affirm, agree, and intend on
     their own behalf and on the behalf of their attorneys and representatives,
     that the terms of this Agreement shall remain entirely confidential unless
     disclosure is required by the court, by law, any reporting requirements of
     the Securities and Exchange Commission or the American Stock Exchange, or
     otherwise necessary to carry out the terms and conditions of this
     Agreement.

NO WAIVER

16.  No failure to exercise, and no delay in exercising, on the part of any
     Party, any privilege, any power or any rights hereunder will operate as a
     waiver thereof, nor will any single or partial exercise of any right or
     power hereunder preclude further exercise of any right hereunder.

FURTHER ASSISTANCE

17.  Each of the parties shall hereafter execute all documents and take all
     actions that are reasonably necessary to effectuate the provisions of this
     Agreement.

WAIVER OF CLAIMS
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18.  The Parties hereby acknowledge that there is a risk that subsequent to the
     execution of this Agreement. They will discover, incur, or suffer claims
     which were unknown or anticipated at the time this Agreement was executed,
     which, if known on the date this Agreement is executed, may have materially
     affected their decision to execute this Agreement. The Parties expressly
     assume the risk of such unknown and unanticipated claims and agree that
     this Agreement and the general release contained herein apply to all such
     known or unknown or unanticipated claims.

ATTORNEY FEES

19.  If any actual controversy arises as to the enforcement of any provision of
     this Agreement, the prevailing party, in any action or arbitration to
     enforce this Agreement, shall be entitled to recover all costs and expenses
     including, without limitation, attorney fees.

EXECUTION IN COUNTERPARTS

20.  The Parties agree that this Agreement may be executed in counterparts and
     that it is the intent of the Parties that a copy signed by a Party will be
     fully enforceable against that Party provided all other Parties have
     executed a counterpart of this Agreement. The Parties further agree that,
     in order to expeditiously effect the execution of this Agreement, a
     facsimile transmission of the signature pages will be deemed an original.

     Therefore, the signatures below constitute an express of the Parties, and
each of them, that this Agreement is agreed to and binding as of the date of
execution:

THE HUDSON GROUP

By: Richard Surber                      Dated:
   ---------------------------                -----------------------
Its: President
    --------------------------

CHEQUEMATE INTERNATIONAL, INC.

By: Chandos Mahon                       Dated:
   ---------------------------                -----------------------
Its: CEO and President
    --------------------------

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