Document:

AGREEMENT

THIS is entered into as of this 30th day of January, 2001 (the "Effective Date")
by  and  between  MBNA AMERICA BANK, N.A., a national banking association having
its principal place of business in Wilmington, Delaware (hereinafter referred to
as  'MBNA  America"),  and  Clip  Clop.com,  a  Canadian  corporation having its
principal  place  of  business  at  789  West  Pender Street, Vancouver, British
Columbia,  Canada  (hereinafter  referred  to as "CC") for themselves, and their
respective  successors  and  assigns.

1.     DEFINITIONS
       -----------

When  used  in  this  Agreement

(a)     "Agreement"  means  this  agreement  and  Schedule  A,  B  and  C.

(b)     "Credit  Card Account" means a Credit Card Account opened by a Member in
response  to  marketing  efforts  made pursuant to the Program that has a credit
device  that  does  not  bear  a  trademark.

(c)     "Customer"  means  any  Member  who  is  a  participant  in the Program.

(d)     "Financial  Service  Products"  means  credit card programs, charge card
programs,  debit  card  programs  and  travel  and  entertainment card programs.

(e)     "Mailing  Lists"  means  updated and current lists and/or magnetic tapes
(in a format designated by MBNA America) containing names, postal addresses and,
when  available,  telephone  numbers  of  Members  segmented  by  zip  codes  or
reasonably  selected  membership  characteristics.

(f)     "Member"  means  a  customer  of  CC and/or other potential participants
mutually  agreed  to  by  CC  and  MBNA  America.

(g)     "Program"  means  those  programs  and services of the Financial Service
Products  MBNA America agrees to offer pursuant to this Agreement to the Members
from  time  to  time.

(h)     "Royalties"  means  the  compensation  set  forth  in  Schedule  B.

(i)     "Trademarks"  means  any  design,  image,  visual  representation, logo,
service  mark,  trade  dress,  trade  name,  or trademark used or acquired by CC
during  the  term  of  this  Agreement.

(j)     "CC  Affiliate" means any entity controlling, controlled by or under the
common  control  with  CC.

2.     RIGHTS  AND  RESPONSIBILITIES  OF  CC
       -------------------------------------

(a)     CC  agrees  that  during  the term of this Agreement it will endorse the
Program exclusively and that  neither  CC  nor any CC Affiliate shall, by itself
or in conjunction  with  others  directly  or

<PAGE>

indirectly (i)  sponsor,  advertise,  aid,  develop,  market,  solicit proposals
for  programs  offering,  or  discuss  with  any  organization  (other than MBNA
America)  the  providing  of,  any  Financial  Service  Products  of  any
organization  other  than MBNA America ; (ii) license or allow others to license
the Trademarks in relation to or for promoting any Financial Service Products of
any  entity  other  than  MBNA  America ; and (iii) sell, rent or otherwise make
available  or  allow others to sell, rent or otherwise make available any of its
mailing  lists or information about any current of potential Members in relation
to or for promoting any Financial Service Products of any entity other than MBNA
America.  Notwithstanding  anything  else  in this Agreement to the contrary, CC
may  accept  advertising  from  any  financial  institution  provided  that  the
advertisement  does  not contain an express or implied endorsement by CC of said
financial  institution  or  the  advertised  Financial  Service  Product.

(b)     CC  agrees  to provide MBNA America with such information and assistance
as  may  be reasonably requested by MBNA America in connection with the Program.

(c)     CC  authorizes  MBNA  America  to  solicit  its  Members by mail, direct
promotion,  advertisements  and/or  telephone  for participation in the Program.

(d)     CC shall have the right or prior approval of all Program advertising and
solicitation materials to be used by MBNA America, which contain CC's Trademark;
such  approval shall not be unreasonably withheld or delayed.  In the event that
MBNA America incurs a cost because of a change in the Trademarks (e.g., the cost
of  reissuing  new  credit  cards),  MBNA  America  may  deduct  such costs from
Royalties  due  CC.  In  the  event  such costs exceed Royalties then due CC, CC
shall  promptly  reimburse  MBNA  America  for  all  such  costs.

(e)     Upon  the  request  of  MBNA America, CC shall provide MBNA America with
Mailing  Lists free of any charge.  In the event that MBNA America incurs a cost
because  of a charge assessed by CC or its agents for an initial Mailing List or
an  update  to  that list, MBNA America may deduct such costs from Royalties due
CC.  CC  shall  provide the initial Mailing List, containing at least fifty-five
thousand  (55,000) non-duplicate names with corresponding valid postal addresses
and,  when  available,  telephone numbers, as soon as possible but no later than
thirty  (30)  days  after  CC's  execution  of  this  Agreement.

(f)     CC  shall  only  provide  information  to  or otherwise communicate with
Members or potential members about the Program with MBNA America's prior written
approval,  except for current advertising and solicitation materials provided by
MBNA  America  to  CC.  Notwithstanding  the above, CC may respond to individual
inquiries  about  the  Program from its Members on an individual basis, provided
that  said responses are accurate and consistent with the then-current materials
provided  by  MBNA  America  to  CC.  Any  correspondence received by CC that is
intended for MBNA America (e.g. applications, payments, billing inquiries, etc.)
shall  be forwarded to MBNA America account execute via overnight courier within
24 hours of receipt.  All charges incurred for this service will be paid by MBNA
America.

(g)     CC  hereby  grants  MBNA America and its affiliates a limited, exclusive
license  to  use  the  Trademarks  solely  in  conjunction  with  the  Program,
including  the  promotion  thereof.  This  license  shall  be  transferred  upon
assignment of this Agreement.  This  license  shall  remain  in  effect  for the
duration  of  this  Agreement  and  shall  apply  to  the  Trademarks,
notwithstanding  the

<PAGE>

transfer  of  such  Trademarks  by  operation  of  law  or  otherwise  to  any
permitted successor, corporation, organization or individual.  Nothing stated in
this  Agreement prohibits CC from granting to other persons a license to use the
Trademarks  in  conjunction  with the providing of any other service or product,
except  for  any  Financial  Service  Products.

(h)     CC  shall  permit MBNA America to advertise the Program on its home page
and  at  other prominent locations within the internet site of CC.  MBNA America
may  establish a "hot-link" from such advertisements to another internet site to
enable  a  person  to apply for a Credit Card Account.  Any Credit Card Accounts
generated  pursuant  to  such a "hot-link" shall entitle CC to the Royalties set
forth  in  Schedule  B,  subject  to  the  other  terms  and  conditions of this
Agreement.  CC  shall  modify  or  remove such advertisements within twenty-four
(24)  hours  of  MBNA  America's  request.

3.    RIGHTS  AND  RESPONSIBILITIES  OF  MBNA  AMERICA
       ------------------------------------------------

(a)     MBNA  America  shall  design, develop and administer the Program for the
Members.

(b)     MBNA  America shall design all advertising, solicitation and promotional
materials  with regard to the Program.  MBNA America reserves the right of prior
written  approval  of  all  advertising and solicitation materials concerning or
related  to  the  Program,  which  may  be  developed  by  or  on  behalf of CC.

(c)     MBNA America shall bear all costs of producing and mailing materials for
the  Program.

(d)     MBNA  America  shall make all credit decisions and shall bear all credit
risks  with  respect  to  each  Customer's  account(s)  independently  of  CC.

(e)     MBNA  America  shall  use  the  Mailing  Lists provided pursuant to this
Agreement  consistent  with  this  Agreement and shall not permit those entities
handling  these  Mailing  List  to use them for any other purpose.  MBNA America
shall  have  the  sole right to designate Members on these Mailing Lists to whom
promotional material will not be sent.  These Mailing Lists are and shall remain
the  sole  property  of  CC.  However,  MBNA America may maintain separately all
information  which  it  obtains  as  a  result  of an account relationship or an
application  for  an  account  relationship.  This information becomes a part of
MBNA  America's  own  files and shall not be subject to this Agreement; provided
however  that  MBNA  America  will not use this separate information in a manner
that  would  imply  an  endorsement  by  CC.

4.     REPRESENTATION  AND  WARRANTIES
       -------------------------------

(a)     CC and MBNA America each represents and warrants to the other that as of
the  Effective  Date  and  throughout  the  term  of  this  Agreement:

i.     It  is  duly  organized,  validly  existing  and  in  good  standing.

ii.     It  has  all  necessary  power and authority to execute and deliver this
Agreement  and  to  perform  its  obligations  under  this  Agreement.

<PAGE>

iii.     This  Agreement  constitutes  a  legal, valid and binding obligation of
such  party, enforceable against such party in accordance with its terms, except
as  such  enforceability may be limited by bankruptcy, insolvency, receivership,
reorganization  or  other  similar  laws affecting the enforcement of creditors'
rights  generally  and  by  general  principles  of  equity.

iv.     No  consent,  approval or authorization from any third party is required
in  connection  with  the execution, delivery and performance of this Agreement,
except  such  as  have  been  obtained  and  are  in  full  force  and  effect.

v.     The  execution,  delivery and performance of this Agreement by such party
will  not  constitute  a  violation of any law, rule, regulation, court order or
ruling  applicable  to  such  party.

(b)     CC  represents  and  warrants  to MBNA America as of the date hereof and
throughout the term of this Agreement that it has the right and power to license
the  Trademarks  to  MBNA America for use as contemplated by this Agreement.  CC
will  hold MBNA America, its directors, officers, agents, employees, affiliates,
successors  and  assigns  harmless  from  and  against  all liability, causes of
action,  and  claims,  and  will  reimburse MBNA America's reasonable and actual
costs in connection therewith, arising from the Trademark license granted herein
or  from  MBNA  America's use of the Trademarks in reliance thereon.  Each party
shall  promptly  notify  the  other  party  in  the  manner provided herein upon
learning  of any claims or complaints relating to such license or the use of any
Trademarks.

5.     ROYALTIES
       ---------

(a)     During  the  term of this Agreement, MBNA America shall pay Royalties to
CC.  Royalties  will not be paid without a completed Schedule C (W-9 Form and ET
Form).  Except  as  otherwise  provided in Schedule B, payment of Royalties then
due  shall  be  made  approximately  forty-five  (45) days after the end of each
calendar  quarter.

(b)     On  or  before the forty-fifth (45th) day after the end of each calendar
quarter  during  the term of this Agreement, MBNA America will provide CC with a
statement  showing  the  number  of  Credit  Card  Accounts  opened.

6.     PROGRAM  ADJUSTMENTS
       --------------------

A  summary  of  the current features of the program are set forth in Schedule A.
MBNA  America reserves the right to make periodic adjustments to the Program and
its  terms  and  features.

7.     CONFIDENTIALITY  OF  AGREEMENT
       ------------------------------

The  terms of this Agreement, any proposal, financial information provided by or
on  behalf  of one party to the other party prior to, contemporaneously with, or
subsequent  to, the execution of this Agreement ("Information") are confidential
as  of  the  date of disclosure.  Such Information will not be disclosed by such
other  party  to  any  other  person  or  entity, except as permitted under this
Agreement  or  as  mutually  agreed  in  writing.  MBNA  America and CC shall be
permitted  to  disclose  such  Information  (i)  to  their  accountants,  legal,
financial  and  marketing  advisors,  and

<PAGE>

employees  as necessary for the performance of their respective duties, provided
that  said  persons  agree to treat the Information as confidential in the above
described  manner  and (ii) as required by law or by any governmental regulatory
authority.

8.     TERM  OF  AGREEMENT
       -------------------

The  initial  term of this Agreement will begin on the Effective Date and end on
March  30,  2004.  This  Agreement  will  automatically extend at the end of the
initial  term or any renewal term for successive one-year periods, unless either
party  gives  written  notice of its intention not to renew at least ninety (90)
days, but not more than one hundred eighty (190) days, prior to the last date of
such  term  or  renewal  term,  as  applicable.

9.     STATE  LAW  GOVERNING  AGREEMENT
       --------------------------------

This  Agreement  shall  be  governed  by and subject to the laws of the State of
Delaware (without regard to its conflict of laws principles) and shall be deemed
for  all  purposes  to  be  made  and  fully  performed  in  Delaware.

10.     TERMINATION
        -----------

(a)     In the event of any material breach of this Agreement by MBNA America or
CC,  the  other party may terminate this Agreement by giving notice, as provided
herein,  to  the  breaching  party.  This notice shall (i) describe the material
breach;  and  (ii)  state the party's intention to terminate this Agreement.  If
the breaching party does not cure or substantially cure such breach within sixty
(6)  days  after receipt of notice, as provided herein (the "Cure Period"), then
this  Agreements  shall  terminate  sixty  (60)  days  after  the  Cure  Period.

(b)     If  either  MBNA America or CC becomes insolvent in that its liabilities
exceed  its  assets,  or  is  adjudicated insolvent, or takes advantage of or is
subject  to any insolvency proceeding, or makes an assignment for the benefit of
creditors or is subject to receivership, conservatorship or liquidation then the
other  party  may  immediately  terminate  this  Agreement.

(c)     Upon  termination  of  this  Agreement,  MBNA America shall, in a manner
consistent  with  Section  10(d) of this Agreement, cease to use the Trademarks.
MBNA  America  agrees  that  upon  such termination it will not claim any right,
title,  or  interest  in  or  to the Trademarks or to the Mailing Lists provided
pursuant to this Agreement.  However, MBNA America may conclude all solicitation
that  is  required  by  law.

(d)     MBNA  America  shall  have the right to prior review and approval of any
notice  in  connection  with,  relating  or referring to the termination of this
Agreement  to  be communicated by CC to the Members.  Such approval shall not be
unreasonably withheld.  Upon termination of this Agreement, CC shall not attempt
to  cause  the  removal  of  CC's identification or Trademarks from any person's
credit devices, checks or records of any Customer existing as of the effect date
of  termination  of  this  Agreement.

(e)     In  the  event  that any material change in any applicable law, statute,
operating  rule  or  regulation, or any material change in any operating rule or
regulation  of either VISA or MasterCard makes the continued performance of this
Agreement  under  the  then current terms and conditions unduly burdensome, then

<PAGE>

MBNA  America  shall have the right to terminate this Agreement upon ninety (90)
days  advance  written notice.  Such written notice shall include an explanation
and  evidence  of  the  burden  imposed  as  a  result  of  such  change.

11.     MISCELLANEOUS
        -------------

(a)     This  Agreement  cannot be amended except by written agreement signed by
the  authorized  agents  of  both  parties  hereto.

(b)     The  obligations  in Sections 4(b), 7, 10(c) and 10(d) shall survive any
termination  of  this  Agreement.

(c)     The  failure  of  any  party to exercise any rights under this Agreement
shall  not  be  deemed  a  waiver  of  such  right  or  any  other  rights.

(d)     The section captions are inserted only for convenience and are in no way
to  be  construed  as  part  of  this  Agreement.

(e)     If  any  part  of  this  Agreement shall for any reason be found or held
invalid  or  unenforceable  by  any  court  or  governmental agency of competent
jurisdiction, such invalidity or unenforceability shall not affect the remainder
of  this  Agreement  which  shall survive and be construed as if such invalid or
unenforceable  part  had  not  been  contained  herein.

(f)     All  notices relating to this Agreement shall be in writing and shall be
deemed  given (i) upon receipt by hand delivery, facsimile or overnight courier,
or  (ii)  three (3) business days after mailing by registered or certified mail,
postage  prepaid,  return  receipt requested.  All notices shall be addressed as
follows:

(1)  If  to  CLIP  CLOP.COM:
     789  West  Pender  Street,  Suite  1500
     Vancouver,  British  Columbia,  Canada
     ATTENTION:   Vivianne  Bedard,  Vice  President  of  Marketing
     Fax  #:  877-350-2121

(2)  If  to  MBNA  America:
     MBNA  AMERICA  BANK,  N.A.
     Rodney  Square
     Wilmington,  Delaware  19884
     ATTENTION:     Mr.  William  P.  Morrison
                    SEVP,  Business  Development
     Fax  #:     302-432-0805

Any  party  may  change  the  address  to which communications are to be sent by
giving  notice,  as  provided  herein,  of  such  change  of  address.

<PAGE>

(g)     This Agreement contains the entire agreement of the parties with respect
to  the matters covered herein and supersedes all prior promises and agreements,
written  or oral, with respect to the matters covered herein.  Without the prior
written  consent  of  MBNA America, which shall not be unreasonably withheld, CC
may  not  assign  any  of  its  rights or obligations under or arising from this
Agreement.  MBNA  America may assign any of its rights or obligations under this
Agreement  to  any  other  person without the prior written consent of CC.  MBNA
America  may  utilize  the  services  of  any  third  party  in  fulfilling  its
obligations  under  this  Agreement.

(h)     MBNA America and CC are not agents, representatives or employees of each
other  and  neither  party shall have the power to obligate or bind the other in
any  manner  except  as  otherwise  expressly  provided  by  this  Agreement.

(i)     Nothing  expressed  or implied in this Agreement is intended or shall be
construed  to  confer  upon  or  give any person other than CC and MBNA America,
their  successors  and assigns any rights or remedies under or by reason of this
Agreement.

(j)     Neither party shall be in breach hereunder by reason of its delay in the
performance of or failure to perform any of its obligations herein if such delay
or  failure  is  caused  by  strikes,  acts  of  God or the public enemy, riots,
incendiaries,  interference  by  civil  or military authorities, compliance with
governmental  laws,  rules,  regulations,  delays in transit or delivery, or any
event  beyond  its  reasonable  control  or  without  its  fault  or negligence.

(k)     This  Agreement  may  be  executed  in two or more counterparts, each of
which  shall  be  deemed an original, but all of which together shall constitute
one  and  the  same  instrument.

IN  WITNESS  WHEREOF,  each of the parties, by its representatives, has executed
this  Agreement  as  of  the  Effective  Date.
CLIP  CLOP.COM

<PAGE>

By:     /s/ John Henry
Name:   John Henry
Title:  CEO
Date:   Dec 22 2000

MBNA  AMERICA  BANK,  N.A.

By:     /s/ signed
Name:   William P. Morrison
Title:  Div. Pres.
Date:   1/30/01

<PAGE>

SCHEDULE A

TERMS  AND  CONDITIONS
----------------------

The  terms and conditions governing the Credit Card Accounts will vary depending
upon  the  given  credit  card  program  for  which  the  Member  applies.

<PAGE>

SCHEDULE B

ROYALTIES
---------

Subject  to  (i)  MBNA  America's  right  to  vary the Program and its terms and
features,  and  (ii)  the applicable agreement entered into between MBNA America
and  each  Customer.

A.     CREDIT  CARD  ACCOUNTS
       ----------------------

1).     $40.00  (forty  dollars)  for  each  Credit  Card  Account opened, which
remains open for at least ninety (90) consecutive days, and which is utilized by
the Customer for at least one purchase or cash advance during the aforementioned
ninety  (90)  day  period  which is not subsequently rescinded, the subject of a
charge  back  request,  or  otherwise  disputed.September  30,  2000

Ms.  Jody  Giblin
National  Geographic  Society
1145  17th  Street  N.W.
Washington,  DC  20036-4688

Dear  Jody

In  August  1999  Promark  Software  Inc.  changed  its  name  to  clipclop.com
Enterprises  Inc.  ("clipclop.com")  and all references to Promark Software Inc.
apply  equally  to  clipclop.com  Enterprises  Inc.

This  letter  amends  and  supplements the agreement entered into on October 27,
1993  (the  "Head  Agreement")  by  Promark  Software  Inc.  ("Promark") and the
National  Geographic  Society  ("NGS"), as amended August 19, 1994 ("Amendment 1
and Amendment 2"), December 12, 1994 ("Amendment 3"), as amended October 1, 1996
("Letter  Agreement"),  and  as amended September 30, 1998 ("Letter Agreement"),
collectively  referred  to  in  this letter as the "Agreement".  All capitalized
terms  not  expressly  defined  in this letter have the meaning set forth in the
Agreement.  The  parties  agree  as  follows:

1.     Clause 9 of the Letter Agreement is replaced with the following Clause 9.

   9.  The term of the Agreement and this letter will terminate on September 30,
2002,  except  for  those  provisions  dealing  with  clipclop.com's  right  to
distribute  the Work and use the intellectual property and proprietary rights in
and  to  the artwork and text owned NGS (which is governed by paragraph 5 of the
Letter  Agreement),  and  the  restrictions  related thereto, and except for the
warranties  in  section  6.01  of  the  Head  Agreement.

2.     Clause  11  of the Letter Agreement is replaced with the following Clause
11.

   11.  The  parties  agree that NGS will share with clipclop.com in the fall of
2000  and  2001  its  marketing  plans  for  the  coming  year.

3.     The  address  for  notices  for  clipclop.com  is  changed  to:

       clipclop.com  Enterprises  Inc.
       1500  -  789  West  Pender  Street
       Vancouver,  BC  V6C  1H2

<PAGE>

This  letter  has  been  prepared  in duplicate originals.  Please indicate your
agreement  with the terms and conditions of this letter by signing below on both
originals,  keeping  one  original for your files and returning the other to us.

Yours  sincerely,

clipclop.com  ENTERPRISES  INC.

By:        /s/  signed
Title:     President

TERMS  AND  CONDITIONS  ACKNOWLEDGED  AND  AGREED:

By:        /s/  Jody  Giblin
Title:     Director  of  Finance  &  Operations
Date:      9/30/2000

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