Document:

Software Licensing Agreement

WHEREAS,  Abacus Systems Ltd, of 44 Church Road, Hamilton,  Bermuda,  ("Abacus")
has developed at its own cost and expense, valuable intellectual and proprietary
software products and User Guides which are known as:

     Software
            CheckMy Banking 2000
            CheckMY Loans 2000
            CheckMy Mortgage 2000

            CheckMy  Banking  Deluxe 2000  CheckMY  Loans  Deluxe  2000  CheckMy
            Mortgage  Deluxe 2000 CheckMy  Banking 2000 User Guide CheckMY Loans
            2000 User Guide CheckMy Mortgage 2000 User Guide

     User Guides
            Easy Learning Guide to CheckMy Banking
            Easy Learning Guide to CheckMy Loans
            Easy Learning Guide to CheckMy Mortgage

NOW:  These  Products are hereby  licensed on the following  terms to Millennium
Software,  Inc.,  2950 East  Flamingo  Road,  Suite G, Las Vegas,  Nevada 89121,
United States.

In the  following  License,  Products  refers to CheckMy 2000  Software and User
Guides,  CheckMy 2000 Software  refers to CheckMy 2000 Products which operate on
personal  computer  systems and CheckMy  2000 User Guides  refer to CheckMy 2000
written documentation.

The License as amended consists of 3 (three) pages.

LICENSE

1. The License.

1.1 An exclusive  worldwide  license  (the  "License")  is hereby to  Millennium
Software,  Inc.,  ("Millennium")  to  copy,  duplicate,  sell,  distribute,  and
sub-license the Products,  which includes the right of Millennium to sub-license
third party  distributors to reproduce and distribute the Products by electronic
download and in physical CD-ROM form.

2. Royalties and Fees.

2.1 Millennium  hereby  acknowledges  that full ownership  title to the Products
belongs to Abacus.

2.2  Millennium   agrees  to  pay  Abacus  royalties   (herein  referred  to  as
"Royalties")  and fee payments  ("Fees") based on Net Sales  Revenues  earned by
Millennium from sale of the Products on the following basis:

2.2.1. A 10% Royalty of the Net Sales Revenues of CheckMy 2000 Software.

2.2.2.  A 10% Royalty of the Net Sales  Revenues of CheckMy  2000 Easy  Learning
Guides.

2.2.3.  A 5% Fee based on Net Sales  Revenues of Products  for the  provision of
technical support for all Products supplied by Abacus.

Net Sales Revenues for the purposed of calculating and determining Royalties and
Fees for the  duration  of this  license  will be  sales  revenues  received  by
Millennium from the sale of Products,  before distributor  discounts,  less full
provision for credits provided for returned Products and provision for bad debts
which remain unrecovered after 12 months.

3. Payment of Royalties and Fees.

<PAGE>

Royalties  and Fees due to Abacus by  Millennium  under the  provisions  of this
License  will be paid not later  than 30 days  after  the end of each  quarterly
period commencing January 1st, 2000.

4. Accounting for Royalties and Fees.

Millennium will provide Abacus with a full accounting of Net Sales Revenues each
month and each quarterly period.

5. Obligations of Abacus.

5.1  Abacus  agrees to provide  Millennium  with the  source  codes and  machine
readable  codes of the  CheckMy  2000  Software.  5.2  Abacus  agrees to provide
Millennium with original  versions of Easy Learning Guides for duplication.  5.4
Abacus agrees to provide continuing technical support for the Products.

6. Rights to examine company records

Abacus,  and its  representatives,  are granted  unrestricted  rights under this
License  agreement to inspect the books,  records and accounts of  Millennium on
demand, to establish a correct accounting for Royalties and fees due to Abacus.

7.  Confidentiality.   Millennium  by  signing  this  License,  agrees  to  keep
confidential,  all proprietary  knowledge acquired about the Products,  promises
not to divulge  any such  knowledge  to any third  party  unless  prior  written
consent of Abacus and its representatives is provided. Failure to abide by these
confidentiality rules will cause an immediate cancellation of the License.

8. Termination of License

8.1 Abacus may terminate the License, at its sole discretion, if Royalty and Fee
payments due to Abacus, or any part thereof, become 120 days or more overdue.

8.2 Abacus may  terminate  the License,  at its sole  discretion,  if management
control of Millennium changes from the current arrangements.

8.3 Millennium may terminate the License, at its sole discretion,  by giving 120
days written notice to Abacus.

8.4 The License will be terminated  immediately upon written notice by Abacus if
the  confidentiality   provisions   contained  in  section  7  are  breached  by
Millennium.

8.5 On termination of the License,  Millennium  will return to Abacus all source
codes,  CD-R  duplication  disks,  all CD-ROM  copies of CheckMy  2000  Software
together with all copies of the Learning Guides in its possession, and all other
materials associated with the Products.

The effective commencement date of the License is 8th December, 1999.

Signed by Abacus Systems, Ltd.          Signed by Millennium Software, Inc.

/s/ Anthony Bigwood                         /s/ Anthony Bigwood
 A.M. Bigwood/Director                      A.M. Bigwood/President

8th of December, 1999                         8th of December, 1999Software Licensing Agreement (Amended May 1, 2000)

WHEREAS,  Abacus Systems Ltd, of 44 Church Road, Hamilton,  Bermuda,  ("Abacus")
has developed at its own cost and expense, valuable intellectual and proprietary
software products and User Guides which are known as:

     Software
            CheckMy Banking 2000
            CheckMY Loans 2000
            CheckMy Mortgage 2000

            CheckMy  Banking  Deluxe 2000  CheckMY  Loans  Deluxe  2000  CheckMy
            Mortgage Deluxe 2000

            CheckMy Banking 2000 User Guide
            CheckMY Loans 2000 User Guide
            CheckMy Mortgage 2000 User Guide

     User Guides
            Easy Learning Guide to CheckMy Banking
            Easy Learning Guide to CheckMy Loans
            Easy Learning Guide to CheckMy Mortgage

NOW:  These  Products are hereby  licensed on the following  terms to Millennium
Software,  Inc.,  2950 East  Flamingo  Road,  Suite G, Las Vegas,  Nevada 89121,
United States.

In the  following  License,  Products  refers to CheckMy 2000  Software and User
Guides,  CheckMy 2000 Software  refers to CheckMy 2000 Products which operate on
personal  computer  systems and CheckMy  2000 User Guides  refer to CheckMy 2000
written documentation.

The License as amended consists of 3 (three) pages.

LICENSE

1. The License.

1.1 An  exclusive  worldwide  license  (the  "License")  is  hereby  granted  to
Millennium Software, Inc., ("Millennium") to copy, duplicate,  sell, distribute,
and sub-  license  the  Products,  which  includes  the right of  Millennium  to
sub-license third party distributors to reproduce and distribute the Products by
electronic download and in physical CD-ROM form.

1.2 During the entire  period of this License,  Abacus agrees not to license any
other company  rights to copy, duplicate,  sell,  distribute  the  Products,  or
sub-license  rights to the  reproduction  and  distribution of the Products (the
"Distribution  Rights").  On termination of the License,  Abacus is free without
restraint to license any other company to the Distribution Rights.

2. Royalties and Fees.

2.1 Millennium  hereby  acknowledges  that full ownership  title to the Products
belongs to Abacus.

2.2  Millennium   agrees  to  pay  Abacus  royalties   (herein  referred  to  as
"Royalties")  and fee payments  ("Fees") based on Net Sales  Revenues  earned by
Millennium  from sale of the  Products  on the  following  basis.  2.2.1.  A 10%
Royalty of the Net Sales Revenues of CheckMy 2000 Software.

2.2.2.  A 10% Royalty of the Net Sales  Revenues of CheckMy  2000 Easy  Learning
Guides.

2.2.3.  A 5% Fee based on Net Sales  Revenues of Products  for the  provision of
technical support for all Products supplied by Abacus.

Net Sales Revenues for the purposed of calculating and determining Royalties and
Fees for the  duration  of this  license  will be  sales  revenues  received  by
Millennium from the sale of Products,  before distributor  discounts,  less full
provision for credits provided for returned Products and provision for bad debts
which remain unrecovered after 12 months.

3. Payment of Royalties and Fees.

<PAGE>

Royalties  and Fees due to Abacus by  Millennium  under the  provisions  of this
License  will be paid not later  than 30 days  after  the end of each  quarterly
period commencing January 1st, 2000.

4. Accounting for Royalties and Fees.

Millennium will provide Abacus with a full accounting of Net Sales Revenues each
month and each quarterly period.

5. Obligations of Abacus.

5.1  Abacus  agrees to provide  Millennium  with the  source  codes and  machine
readable  codes of the  CheckMy  2000  Software.  5.2  Abacus  agrees to provide
Millennium with original  versions of Easy Learning Guides for duplication.  5.4
Abacus agrees to provide continuing technical support for the Products.

6. Rights to examine company records

Abacus,  and its  representatives,  are granted  unrestricted  rights under this
License  agreement to inspect the books,  records and accounts of  Millennium on
demand, to establish a correct accounting for Royalties and fees due to Abacus.

7.  Confidentiality.   Millennium  by  signing  this  License,  agrees  to  keep
confidential,  all proprietary  knowledge acquired about the Products,  promises
not to divulge  any such  knowledge  to any third  party  unless  prior  written
consent of Abacus and its representatives is provided. Failure to abide by these
confidentiality rules will cause an immediate cancellation of the License.

8. Term and Termination of License

8.1 This  Agreement  will  continue in effect for one (1) year from  December 8,
1999 (Initial Term). This Agreement will be automatically renewed for successive
additional one (1) year terms (each, a Renewal Term) unless terminated by either
party upon  thirty  (30) days  written  notice  prior to the  expiration  of the
Initial Term and Renewal Term.

8.2 Abacus may terminate the License, at its sole discretion, if Royalty and Fee
payments due to Abacus, or any part thereof, become 120 days or more overdue.

8.3 Abacus may  terminate  the License,  at its sole  discretion,  if management
control of Millennium changes from the current arrangements.

8.4 Millennium may terminate the License, at its sole discretion,  by giving 120
days written notice to Abacus.

8.5 The License will be terminated  immediately upon written notice by Abacus if
the  confidentiality   provisions   contained  in  section  7  are  breached  by
Millennium.

8.6 On termination of the License,  Millennium  will return to Abacus all source
codes,  CD-R  duplication  disks,  all CD-ROM  copies of CheckMy  2000  Software
together with all copies of the Learning Guides in its possession, and all other
materials associated with the Products.

The effective date of this amended License is 1 May, 2000.

Signed by Abacus Systems, Ltd.          Signed by Millennium Software, Inc.

/s/ Anthony Bigwood                         /s/ Anthony Bigwood
 A.M. Bigwood/Director                      A.M. Bigwood/President
1st of May, 2000                         1st of May, 2000

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