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EXHIBIT 10.2 - AMENDED SETTLEMENT AGREEMENT BH PRODUCTIONS

This Amended Settlement Agreement ("Amendment"), is made and entered into this
27th day of February, 2001, by and between Chequemate International, Inc., a
Utah corporation, ("Chequemate"), and, BH Productions, ("BH"), a Illinois
Corporation, upon the following premises:

C.   On February 2, 2000, Chequemate and BH entered into a Settlement Agreement
     (the "Settlement"), under the terms of which Chequemate was to pay a
     balance due of $90,000.00 with monthly payment of $10,000.00 for the term
     ending October, 2000. This Amendment is being entered into for the purpose
     of amending the Settlement and settling any subsequent judgement.

D.   The parties have agreed to enter into this Amendment and BH agrees to waive
     and release any claim it may have against Chequemate .

NOW, THEREFORE, upon these premises and for good and valuable consideration, the
adequacy of which is hereby acknowledged, the parties agree that, in settlement
of this matter and to terminate any further actions by BH, Chequemate shall pay
BH the sum of $40,217, payable as follows:

8.   In consideration of this Amendment, Chequemate agrees to immediately issue
     to BH, 80,434 shares of Chequemates's restricted common stock (the
     "Shares"). The Shares shall have a gross value of $40,217, based on a
     market value of $0.50 per share, subject to adjustments as set forth in
     this paragraph. If on the date which is five (5) business days following
     the date Chequemate's registration statement, described in paragraph 2
     below, is declared effective by the SEC (the "repricing date"), the average
     closing bid price of the Company's common stock, as reported by the
     American Stock Exchange, for the five (5) business days prior to the
     repricing date, is less than $0.50 per share, the Company shall issue to BH
     the number of additional shares necessary for BH to receive a total value
     of $40,217, based on such average closing bid price for such five (5) day
     period. However, in no event shall BH receive shares in excess of a total
     of 100,000 shares at the repricing date.

9.   Chequemate shall have 180 days from the date of execution of this
     Settlement, to make an initial filing of a registration statement with the
     U.S. Securities and Exchange Commission ("SEC"), to include the shares in
     paragraph 1 above, for registration. Thereafter, Chequemate agrees to
     exercise its best efforts to prepare such amendments to the registration
     statement, and to diligently undertake such additional work as may be
     necessary to appropriately respond to the comments of the staff of the SEC,
     and to completely and accurately update the registration statement in all
     material respects, as of a recent practicable date, to attempt to obtain
     effectiveness of the registration statement as soon as reasonably
     practicable. BH understands and acknowledges that Chequemate is unable to
     make any covenants or representations as to the effective date of the
     registration statement with the SEC.

10.  Chequemate shall issue an additional 26,810 shares under rule 144 for any
     further liquidated damages compensation. The Shares shall have a gross
     value of $8,043 based on a market value of $0.30 per share.

11.  Chequemate shall have the right to pay all or a portion of this settlement
     with a cash payment prior to the effective date of the registration or
     subsequent to BH selling any shares or balance of shares, by giving 3 day
     notice to BH, and BH agrees to return the number of shares equal to the
     cash payment.

12.  BH agrees that it will not sell, in any one week, shares of common stock
     that constitutes more than 10% of Chequemates's weekly trade volume average
     as reported by The American Stock Exchange for the previous week.

13.  Additionally, on the closing of this settlement, Chequemate will provide BH
     with a note in the full-negotiated value of $40,217. This note will stay in
     effect until BH receives the gross value of $40,217 in stock based on the
     repricing formula outlined in paragraph 1 above. At such time, the note
     will be canceled in full.

14.  In consideration of the undertaking set forth in paragraph 1 - 6 above, BH
     agrees to waive and release any claim it may have against Chequemate for
     failure to fulfill its Settlement obligation and hereby release Chequemate
     from all penalties and obligations as set forth in the Settlement or any
     subsequent judgement.

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15.  BH agrees to provide Chequemate with such information and documentation, as
     may be reasonably requested in connection with the registration
     statement(s) and other filings with the SEC.

IN WITNESS WHEREOF, the parties to this Settlement have duly executed it as of
the date and year first above written.

CHEQUEMATE INTERNATIONAL, INC.

----------------------------------
By: Chandos Mahon
Its: Chief Executive Officer

BH Productions, Inc.

---------------------------------
By
Its:

                                       56<PAGE>

EXHIBIT 10.3 - PROMISSORY NOTE I-O DISPLAY SYSTEMS

     CHEQUEMATE INTERNATIONAL, INC., individually and doing business as C3D
DIGITAL, INC. ("C3D DIGITAL"), for valuable consideration already received,
promises to pay I-O DISPLAY SYSTEMS, LLC and ILIXCO, INC., doing business as
RAZOR DIGITAL MEDIA, in accordance with the provisions of this Promissory Note
("Note"), the principal amount of four hundred thousand dollars ($400,000), plus
simple interest on the unpaid principal amount at the rate of ten (10%) percent
per annum from the date set forth below, until paid.

     The entire principal amount and accrued interest is to be paid in full no
later than DECEMBER 1, 2001. In the event that C3D DIGITAL fails to make payment
when due hereunder, and such default is not cured within five days of notice of
such default given by I-O DISPLAY SYSTEMS, LLC and ILIXCO, INC., dba RAZOR
DIGITAL MEDIA, to C3D DIGITAL, this Note shall immediately become due and
payable in the full amount of principal then unpaid, together with all accrued
and unpaid interest thereon, which full amount owing on default shall be
$540,000 plus interest at a rate of 10% per year.

     The principal and interest thereon shall be payable to I-O DISPLAY SYSTEMS,
LLC and ILIXCO, INC., dba RAZOR DIGITAL MEDIA, at 1370 Willow Road, Menlo Park,
CA 94025.

     CHEQUEMATE INTERNATIONAL, INC., individually and dba C3D DIGITAL, INC.,
may pay the aforesaid sums by making payment in C3D DIGITAL stock which is
publicly traded on the American Stock Exchange exchange, at the value of the
closing price of said exchange on the date the shares are delivered in payment,
or $0.27 per share, whichever is lowest, which price per share times the number
of shares paid will equal $400,000 plus interest at a rate of 10% per year from
the date of execution of this note. This stock payment will be fully
unrestricted, registered "free trading" stock on or before December 1, 2001. The
parties agree that these shares will be made part of a standard subscription
agreement, and the subscription agreement will be executed in order for
registration right to be effective.

     Additionally, 100,000 shares will be issued at a value of $.027 per share,
to I-O DISPLAY SYSTEMS, LLC and ILIXCO, INC., dba RAZOR DIGITAL MEDIA as
compensation for attorney fees, court costs, and all other expenses incurred by
I-O DISPLAY SYSTEMS, LLC and ILIXCO, INC., dba RAZOR DIGITAL MEDIA in settlement
of these issues. This stock payment will be fully unrestricted, registered "free
trading" stock on or before December 1, 2001. The parties agree that these
shares will be made part of a standard subscription agreement, and the
subscription agreement will be executed in order for registration right to be
effective.

     I-O DISPLAY SYSTEMS, LLC and ILIXCO, INC., dba RAZOR DIGITAL MEDIA, and C3D
DIGITAL have entered into a Stipulation for Entry of Judgment regarding C3D
DIGITAL's obligations under this Note. In the event of:

     1.   Default in the payment of this Note; OR

     2.   If the stock payment option is chosen by C3D DIGITAL AND the stock is
          not fully unrestricted, registered "free trading" stock on or before
          December 1, 2001; upon five days written notice to C3D DIGITAL and if
          such default is not cured with five days of notice of default, I-O
          DISPLAY SYSTEMS, LLC and ILIXCO, INC., dba RAZOR DIGITAL MEDIA, may
          file the Stipulation for Entry of Judgment with the court. In the
          event that the indebtedness represented by this Note is not paid when
          due, C3D DIGITAL promises to pay costs of collection and suit;
          including attorneys fees.

CHEQUEMATE INTERNATIONAL, INC., individually and d.b.a. C3D DIGITAL, INC., will
prepare and the parties will sign a release of all claims regarding and arising
out of the matter entitled I-O DISPLAY SYSTEMS, LLC and ILIXCO, INC., doing
business as RAZOR DIGITAL MEDIA, v. CHEQUEMATE INTERNATIONAL, INC.,
individually and d.b.a. C3D DIGITAL, INC., San Mateo County Superior Court Case
# ________________.

     IN WITNESS WHEREOF, CHEQUEMATE INTERNATIONAL, INC., individually and dba
C3D DIGITAL, INC., has caused this Note to be signed in its name and on its
behalf by its duly authorized officer:

Dated: May 3, 2001                      CHEQUEMATE INTERNATIONAL, INC.
                                        dba C3D DIGITAL, INC.

                                        By:
                                           -----------------------------

                                       57<PAGE>

EXHIBIT 10.4 - SETTLEMENT AGREEMENT PROGRAMMING SERVICES, INC.

This Settlement Agreement ("Settlement"), is made and entered into this 19th day
of March, 2001, by and between Chequemate International, Inc., a Utah
corporation, ("Chequemate"), and, Programming Services, Inc., a Nevada
corporation ("PSI"), upon the following premises:

E.   On November 1, 1999 Chequemate and PSI entered into an Asset Purchase,
     Bill Of Sale, Promissory Note, and Security Agreement (the "Sale"), under
     the terms of which Chequemate was to purchase a complete beta SP post
     production editing system, along with office equipment and office systems,
     for a total purchase price of $144,000. Per the agreement Chequemate was to
     make 12 monthly payments of $12,000 with the last payment due November
     2000. This Settlement is being entered into for the purpose of satisfying
     all agreements, notes, and balances regarding the purchase of PSI assets.

F.   The parties agree on August 4, 2000 the last payment was made leaving an
     unpaid balance of $ 68,000

G.   The parties have agreed to enter into this Settlement and PSI agrees to
     waive and release any claim it may have against Chequemate .

NOW, THEREFORE, upon these premises and for good and valuable consideration, the
adequacy of which is hereby acknowledged, the parties agree that, in settlement
of this matter and to terminate any further actions by PSI, Chequemate shall pay
PSI the sum of $68,000 payable as follows:

16.  In consideration of the Settlement, Chequemate agrees to immediately issue
     to PSI, 404,761 shares of Chequemates's restricted common stock (the
     "Shares") ($68,000 x 1.25 = $85,000 / 5day average of $0.21 = 404,761). The
     Shares shall have a gross value of $85,000, based on a market value of
     $0.21 per share, subject to adjustments as set forth in this paragraph. If
     on the date which is five (5) business days following the date Chequemate's
     registration statement, described in paragraph 2 below, is declared
     effective by the SEC (the "repricing date"), the average closing bid price
     of the Company's common stock, as reported by the American Stock Exchange,
     for the five (5) business days prior to the repricing date, is less than
     $0.21 per share, the Company shall issue to PSI the number of additional
     shares necessary for PSI to receive a total value of $85,000, based on such
     average closing bid price for such five (5) day period. However, in no
     event shall PSI receive shares in excess of a total of 500,000 shares at
     the repricing date.

17.  Chequemate shall have 180 days from the date of execution of this
     Settlement, to make an initial filing of a registration statement with the
     U.S. Securities and Exchange Commission ("SEC"), to include the shares in
     paragraph 1 above, for registration. Thereafter, Chequemate agrees to
     exercise its best efforts to prepare such amendments to the registration
     statement, and to diligently undertake such additional work as may be
     necessary to appropriately respond to the comments of the staff of the SEC,
     and to completely and accurately update the registration statement in all
     material respects, as of a recent practicable date, to attempt to obtain
     effectiveness of the registration statement as soon as reasonably
     practicable. PSI understands and acknowledges that Chequemate is unable to
     make any covenants or representations as to the effective date of the
     registration statement with the SEC.

18.  Chequemate shall have the right to pay all or a portion of this settlement
     with a cash payment prior to the effective date of the registration or
     subsequent to PSI selling any shares or balance of shares, by giving 3 day
     notice to PSI.

19.  PSI agrees that it will not sell, in any one week, shares of common stock
     that constitutes more than 10% of Chequemates's weekly trade volume average
     as reported by The American Stock Exchange for the previous week.

20.  Additionally, until the registration as set forth in paragraph 1 & 2 above
     is complete, the note executed by Chequemate in favor of PSI will stay in
     effect until PSI receives the gross value of $85,000 in stock based on the
     repricing formula set forth in paragraph 1 & 2 above. At such time, the
     note will be canceled and considered paid in full.

21.  In consideration of the undertaking set forth in paragraph 1 & 2 above and
     at the closing of the registration set forth in paragraph 1 & 2 above, PSI
     agrees to waive and release any claim it may have against Chequemate for
     failure to fulfill its asset purchase obligation and will thereby release
     Chequemate from all penalties and obligations as set forth in the Sale
     agreements.

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22.  PSI agrees to provide Chequemate with such information and documentation,
     as may be reasonably requested in connection with the registration
     statement(s) and other filings with the SEC.

IN WITNESS WHEREOF, the parties to this Settlement have duly executed it as of
the date and year first above written.

CHEQUEMATE INTERNATIONAL, INC.

----------------------------------
By: Chandos Mahon
Its: Chief Executive Officer

Programming Services, Inc.

---------------------------------
By
Its:

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