Document:

Exhibit 10.2

                                 PROMISSORY NOTE
                                Henderson, Nevada

U.S. $                                           As of                    , 2004
      -----------------------                          -------------------

     For value received,  Millenium  Holding Group,  Inc., a Nevada  corporation
(the  "Company"),  promises  to pay to the order of  ___________________________
(the "Lender"), at the address listed below or at such other place as the Lender
may      designate      in      writing,      the      principal      sum     of
___________________________________________________________________ U.S. Dollars
(US $) (the  "Principal"),  plus interest on the unpaid Principal at the rate of
eight  percent  (8%) per annum from the date in which the Company  receives  the
Principal Amount. In no event shall the amount of interest paid hereunder exceed
the maximum rate of interest allowable by applicable law.

     On the ninetieth (90th) day from the date in which the Company receives the
Principal Amount (the "Maturity  Date"),  the entire  Principal  balance of this
Promissory Note (the "Note"),  plus any accrued and unpaid interest on this Note
shall be due and payable.

     All installments of Principal and interest on this Note shall be payable in
lawful money of the United States of America. If a payment hereunder becomes due
and payable on a Saturday,  Sunday or legal holiday,  the due date thereof shall
be extended to the next succeeding business day.

     The Company may prepay any amount due hereunder without premium or penalty.
All prepayment  amounts  received shall be applied first to interest and then to
Principal

     The Company  waives  presentment,  protest  and demand,  notice of protest,
demand,  dishonor and nonpayment of this Note, and any and all other notices and
demands in connection with the delivery,  acceptance,  performance,  default, or
enforcement  of this Note,  and the  Company  hereby  waives the  benefit of any
statute of  limitations  with  respect to any action to  enforce,  or  otherwise
related to, this Note.

     Any  provision of this Note,  which may be  prohibited  by law or otherwise
held invalid  shall be  ineffective  only to the extent of such  prohibition  or
invalidity  and  shall  not  invalidate  or  otherwise  render  ineffective  the
remaining provisions of this Note. No waiver or modification of any of the terms
or  provisions  of the Note  shall be valid or  binding  unless  set  forth in a
writing  signed by a duly  authorized  officer  or other  representative  of the
Company and the Lender,  and then only to the extent  therein  specifically  set
forth.

     All notices and other communications  required or permitted hereunder shall
be in writing and shall be delivered by facsimile with a confirming copy sent by
air or personal courier,  or otherwise delivered by personal courier, by hand or
by  messenger,  addressed  as  follows or as the  parties  may from time to time
provide in accordance hereto:
<PAGE>
         To the Lender:        --------------------------
                               --------------------------
                               --------------------------
                               --------------------------

         If to the Company:    Millenium Holding Group, Inc.
                               12 Winding Road.
                               Henderson, Nevada 89052
                               Attention: Richard Ham
                               Fax No.: (702) 492-7728

Each such notice or other  communication  shall for all purposes of this Note be
treated  as  effective  or  having  been  given  when   delivered  if  delivered
personally,  or,  if sent by  facsimile  followed  by air  courier  delivery  as
provided  herein,  on the  earlier of the date of actual  receipt or the day the
facsimile is sent if such facsimile is  acknowledged  as having been received by
the transmitting station.

         This Note shall be governed by and  interpreted in accordance  with the
laws of the State of Nevada.

     IN WITNESS WHEREOF,  the undersigned has executed this Note as of the _____
day of ______________________________ , 2004.

                                   MILLENIUM HOLDING GROUP, INC.

                                   By:
                                      --------------------------------------
                                      Richard Ham
                                   Title: President/CEOExhibit 10.1

                                    AGREEMENT

          This  Agreement  (this  "Agreement")  is made and  entered  into as of
August 11, 2004, by and between Secured Digital  Applications,  Inc., a Delaware
corporation (the "Company"), and Laurus Master Fund, Inc. (the "Purchaser").

          This  Agreement  is  made  pursuant  to the  that  certain  Securities
Purchase  Agreement,  by  and  among  the  Purchaser,  SDA  America,  Inc.  (the
"Subsidiary") and the Company relating to the purchase of the Series A Preferred
Stock of subsidiary  (the "Series A Preferred");  the Certificate of Designation
of the Series A Preferred; the Securities Purchase Agreement, by and between the
Purchaser and the Company  relating to the issuance of the $500,000  Convertible
Term Note (the "Convertible  Note"); the Registration  Rights Agreements related
to the  foregoing  and the security and stock pledge  agreements  related to the
foregoing,  all  dated as of May 28,  2004,  whereby  the  Purchaser  agreed  to
purchase and the Company and SDA America,  Inc.  agreed to sell (i) the Series A
Preferred of SDA America,  Inc. with an aggregate stated value of $6,500,000 and
(ii)  the  $500,000   Convertible  Note,  such  documents  referred  to  as  the
"Transaction Documents."

          The Company and Purchaser agree as follows:

          1. Company shall file an amended registration  statement (the "Amended
Registration  Statement")  registering an additional  amount of shares of Common
Stock of the  Company  which have  become  issuable to the Holder as a result of
adjustments  to each of the Fixed  Conversion  Price referred to in the Note and
the Conversion  Price referred to in the certificate of designations  related to
the Series A Preferred.  Upon receipt by the Purchaser of notification  from the
Securities  and  Exchange  Commission   ("SEC")that  the  Amended   Registration
Statement has become  effective,  Purchaser  shall in the event that the closing
price of the  Company's  common  stock is greater  than $0.20 on the trading day
immediately following such notification by the SEC and no event of default under
the Transaction  Documents exists (i) convert Series A Preferred in an aggregate
stated value of $500,000 and (ii) upon  delivery to the  Purchaser of the shares
so converted,  cause  $500,000 to be released from the  restricted  cash account
maintained  at North Fork Bank and  related to the Series A  Preferred.  Company
agrees  that  Purchaser  may deduct  from such  released  amount any accrued and
unpaid dividends and fees related to such Series A Preferred so converted.

          2.  Subsidiary  shall  promptly  file  the  Amendment  No.  1  to  the
Certificate of Designation,  attached hereto as Exhibit A, with the Secretary of
State of the State of Delaware  and shall,  simultaneous  herewith,  execute the
amendments to the Registration Rights Agreement and Convertible Note attached as
Exhibits B and C,  respectively.  Unless expressly modified by this Agreement or
the  documents  referenced  therein,  all  other  terms  and  conditions  of the
Transaction Documents remain in full force and effect.

          3. Purchaser,  Company and Subsidiary  agree that any default that has
occurred as a result of any non-payment of interest or dividends required by the
Transaction  Documents that exists prior to the effective date of this Agreement
is hereby waived.

<PAGE>

          IN WITNESS  WHEREOF,  each of the Company,  the Parent and Laurus have
caused this Amendment No. 1 to the  Certificate of  Designations to be signed in
its name this 11th day of August, 2004.

                                           SECURED DIGITAL APPLICATIONS, INC.

                                           By:  /s/ Patrick Soon-Hock Lim
                                                -------------------------
                                                Name:  Patrick Soon-Hock Lim
                                                Title:  President

                                           SDA AMERICA, INC.

                                           By:  /s/ Patrick Soon-Hock Lim
                                                --------------------------
                                                Name:  Patrick Soon-Hock Lim
                                                Title:  President

                                           LAURUS MASTER FUND, LTD.

                                           By:  David Grin
                                           ----------------
                                           Name:  David Grin
                                           Title:  Fund ManagerExhibit 10.2

       AMENDMENT NO. 1 TO CERTIFICATE OF DESIGNATIONS OF SDA AMERICA, INC.

This AMENDMENT NO. 1 TO CERTIFICATE OF DESIGNATIONS, dated as of August 11, 2004
(this "Amendment No. 1"), by and between SECURED DIGITAL  APPLICATIONS,  INC., a
Delaware corporation (the "Parent"),  SDA AMERICA,  INC., a Delaware corporation
(the  "Company"),  and  LAURUS  MASTER  FUND,  LTD.,  a Cayman  Islands  company
("Laurus").

Reference is made to (i) the CERTIFICATE TO SET FORTH DESIGNATIONS, VOTING
POWERS, PREFERENCES, LIMITATIONS, RESTRICTIONS, AND RELATIVE RIGHTS OF SERIES A
CONVERTIBLE PREFERRED STOCK, $.01 PAR VALUE PER SHARE (as amended, modified or
supplemented from time to time, the "Certificate of Designations"), of the
Company and (ii) the Securities Purchase Agreement, dated as of May 28, 2004,
among the Parent, the Company and Laurus (as amended, modified or supplemented
from time to time, the "Securities Purchase Agreement"). Unless otherwise
indicated, capitalized terms used herein without definition shall have the
meanings ascribed to such terms in the Certificate of Designations.

     NOW, THEREFORE, in consideration for the execution and delivery by the
Company of all documents requested by the holders of the Series A Preferred
Stock and for other good and valuable consideration, the receipt and sufficiency
of which is hereby acknowledged, the parties hereto agree as follows:

          1. Section 3(a) of the Certificate of Designations is hereby amended
by inserting the following new subsection (iv) at the end thereof:

          "(iv) Notwithstanding anything to the contrary contained in this
Certificate of Designations, to the extent that all or a portion of the Monthly
Dividend Amount has accrued as set forth above in this Certificate of
Designation with respect to outstanding Series A Preferred Stock the proceeds of
which the Company is required to maintain (and is maintaining) in the Restricted
Account (as defined in the Restricted Account Agreement referred to in the
Securities Purchase Agreement) (such amount, the "Restricted Amounts"), such
Monthly Dividend Amounts that have accrued on such Series A Preferred Stock
shall not become payable until the earlier of (x) the first Monthly Dividend
Payment Date occurring immediately following the date on which the respective
Restricted Amount is released from the Restricted Account as set forth in the
Restricted Account Agreement (i.e., following a conversion, redemption or
otherwise, as applicable) and (y) any date on which the Company is dissolved.
For the avoidance of doubt, Monthly Dividend Amounts that have accrued with
respect to outstanding Series A Preferred Stock the proceeds of which do not
constitute a Restricted Amount shall be payable as set forth in this Certificate
of Designations without giving effect to this subclause (iv)".

     2.   Section 5(c) of the Certificate of Designations is hereby amended to
          provide as follows:

          (c) The number of shares of the Parent's Common Stock issuable upon
          conversion of each share of Series A Preferred Stock shall equal (i)
          the sum of (A) the State Value per share, as amended pursuant to
          Section 5 hereof, and (B) at the Holder's election, accrued and unpaid
          dividends on such share, (ii) divided by the Conversion Price (as
          defined below).

          The Conversion Price shall be set as follows: (a) for the first
          $2,000,000 in Stated Value or accrued and unpaid dividends or fees
          converted by Holder, the Conversion Price shall be $0.20; (b) for the
          next $1,000,000 in Stated Value or accrued and unpaid dividends or
          fees converted by Holder, the Conversion Price shall be $0.25; and (c)
          for each succeeding amount converted, whether in Stated Value or
          accrued and unpaid dividends or fees, the Conversion Price shall $0.35
          per share.
<PAGE>

     3.   This Amendment No. 1 shall be effective as of the date hereof
          following the execution of same by each of the Company, the Parent and
          the Laurus.

     4.   There are no other amendments to the Certificate of Designations.

     5.   Each of the Parent and the Company  hereby  represents and warrants to
          Laurus that as of the date hereof all representations,  warranties and
          covenants  made by the  Company  in  connection  with  the  Securities
          Purchase  Agreement,  the Certificate of Designations  and the Related
          Agreements (as defined in the Securities  Purchase Agreement) are true
          correct  and  complete  and  all of the  Parent's  and  the  Company's
          covenant  requirements  have been met. As of the date hereof, no Event
          of Default under any Related Agreement has occurred or is continuing.

     6.   This  Amendment  No. 1 shall be binding  upon the  parties  hereto and
          their respective  successors and permitted  assigns and shall inure to
          the benefit of and be  enforceable  by each of the parties  hereto and
          its  successors and permitted  assigns.  THIS AMENDMENT NO. 1 SHALL BE
          CONSTRUED AND ENFORCED IN  ACCORDANCE  WITH AND GOVERNED BY THE LAW OF
          THE STATE OF NEW YORK.  This  Amendment  No. 1 may be  executed in any
          number of counterparts, each of which shall be an original, but all of
          which shall constitute one instrument.

<PAGE>
     IN WITNESS WHEREOF, each of the Company, the Parent and Laurus have caused
this Amendment No. 1 to the Certificate of Designations to be signed in its name
this 11th day of August, 2004.

                                       SECURED DIGITAL APPLICATIONS, INC.

                                       By:  /s/ Patrick Soon-Hock Lim
                                            -------------------------
                                            Name: Patrick Soon-Hock Lim
                                            Title:  Chairman

                                       SDA AMERICA, INC.

                                       By:  /s/ Patrick Soon-Hock Lim
                                            ---------------------------
                                            Name: Patrick Soon-Hock Lim
                                            Title:  President

                                       LAURUS MASTER FUND, LTD.

                                       By:  /s/ David Grin
                                            -----------------
                                            Name:  David Grin
                                            Title: Fund Manager

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