Document:

PROMISSORY NOTE

$187,500                                           Dana  Point,  California
                                                         January  12,  2000

     FOR  VALUE  RECEIVED,  the  undersigned,  Internet Golf Association, Inc. a
Nevada  corporation  ("Maker"),  hereby  promises  to pay to the order of Alster
Finance  or  assignee ("Payee"), at such place as Payee or any holder hereof may
from  time  to  time  designate,  the  principal sum of One Hundred Eighty-Seven
Thousand  Five Hundred Dollars ($187,500.00), and to pay simple interest at said
place  from  the  date hereof on the unpaid principal balance amount hereof at a
rate  of eight percent (8%) per annum.  All amounts outstanding under this Note,
including  the principal balance and any unpaid interest hereunder, shall be due
and  payable on or before March 1, 2000.  In no event shall the rate of interest
hereunder  exceed  the  maximum  interest  rate  permitted  by  applicable  law.

     Maker  and  all  endorsers, guarantors and sureties hereof hereby severally
waive  diligence,  demand,  presentment,  protection and notice of any kind, and
assent  to extensions of the time of payment, release, surrender or substitution
of  security,  or  forbearance  or  other  indulgence,  without  notice.

     Maker  may, at its option, at any time and from time to time, prepay all or
any  part  of  the  principal  balance of this Note, without penalty or premium,
provided  that  concurrently  with  each such prepayment Maker shall pay accrued
interest  on  the  principal  so  prepaid  to  the  date  of  such  prepayment.

     This Note may not be changed, modified or terminated orally, but only by an
agreement  in  writing  signed  by  the  party  to  be  charged.

     In  the event of any litigation with respect to this Note, Maker waives the
right  to  a  trial  by  jury  and  all rights of setoff and rights to interpose
counterclaims  and  cross-claims.  Maker  hereby  irrevocably  consents  to  the
jurisdiction  of  the  courts  of the State of California in connection with any
action  or  proceeding arising out of or relating to this Note.  In the event of
any cause of action brought to enforce this note, the losing party shall pay all
attorney's  fees  and  costs  of  the  other  party.

     This  Note  shall  be  governed by California law, without reference to any
choice  of  law  principles  thereof.

     INTERNET  GOLF  ASSOCIATION,  INC.

/s/ Vincent Castagnola
     _____________________________
By:  Vincent  Castagnola,  PresidentMODIFIED  FEE  AND  STOCK  PURCHASE  AGREEMENT

     This  Modified  Fee  and  Stock Purchase Agreement ("Agreement") is entered
into  effective  this  28th  day of September, 1999 by and between Internet Golf
Association,  Inc.,  a  Nevada  corporation  ("IGA")  and  Computer  Concepts
("Concepts").  Each  of  IGA  and Concepts shall be referred to as a "Party" and
collectively  as  the  "Parties".

     WHEREAS, the Parties have previously entered into a contract (the "Existing
Contract")  for  services  to  be  provided  to  IGA  by  Concepts;

WHEREAS, the Parties desire to supplement the Existing Contract by providing for
an  alternative  method of payment of fees and expenses owing to Concepts by IGA
in  accordance  with  the  terms  and  conditions  of  this  Agreement.

     NOW,  THEREFORE,  for good and adequate consideration, the receipt of which
is  hereby  acknowledged,  the  parties  hereby  agree  as  follows:

     1.     Concepts  shall  apply a credit to the fees owed to it by IGA in the
amount  of  $15,000.00  (the  "Fee  Reduction").

     2.     As consideration for the Fee Reduction, IGA shall cause to be issued
within ten (10) days of the date of this Agreement an aggregate of 14,085 shares
of fully paid and non-assessable voting common stock (the "Shares").  The Shares
will  be restricted in accordance with Rule 144 promulgated under the Securities
Act  of  1933, and will contain the following or a substantially similar legend:

THE  SECURITIES  REPRESENTED  BY THIS CERTIFICATE HAVE NOT BEEN REGISTERED UNDER
THE  SECURITIES  ACT  OF 1933, AS AMENDED (THE "ACT"), OR THE SECURITIES LAWS OF
ANY  STATE,  AND MAY NOT BE OFFERED, SOLD, TRANSFERRED, PLEDGED, HYPOTHECATED OR
OTHERWISE  DISPOSED OF FOR A PERIOD OF ONE YEAR FROM THE ISSUANCE THEREOF EXCEPT
(i)  PURSUANT  TO  AN  EFFECTIVE  REGISTRATION  STATEMENT  UNDER THE ACT AND ANY
APPLICABLE  STATE LAWS OR (ii) UPON THE EXPRESS WRITTEN AGREEMENT OF THE COMPANY
AND  COMPLIANCE,  TO  THE EXTENT APPLICABLE, WITH RULE 144 UNDER THE ACT (OR ANY
SIMILAR  RULE  UNDER  THE  ACT  RELATING  TO  THE  DISPOSITION  OF  SECURITIES).

     3.     Concepts  hereby  represents  and  warrants  that:

<PAGE>
(a)     Concepts  acknowledges  that  the Shares will be "restricted securities"
(as  such  term  is  defined in Rule 144 promulgated under the Securities Act of
1933,  as  amended  ("Rule  144")),  that  the Shares will include the foregoing
restrictive  legend,  and, except as otherwise set forth in this Agreement, that
the  Shares  cannot  be  sold for a period of one year from the date of issuance
unless  registered  with  the  SEC and qualified by appropriate state securities
regulators,  or  unless  Concepts obtains written consent from IGA and otherwise
complies  with an exemption from such registration and qualification (including,
without  limitation,  compliance  with  Rule  144).

(b)     Concepts  has  the  full  right,  power and authority to enter into this
Agreement  and  to carry out and consummate the transaction contemplated herein.
This  Agreement constitutes the legal, valid and binding obligation of Concepts.

(c)     Concepts acknowledges that investment in the Shares involves substantial
risks  and is suitable only for persons of adequate financial means who can bear
the  economic  risk  of  an investment in the Shares for an indefinite period of
time.  Concepts  further  represents  that  it:

(1)     has  adequate  means  of  providing  for  its current needs and possible
personal  contingencies,  has  no  need  for  liquidity in its investment in the
Shares,  is  able to bear the substantial economic risks of an investment in the
Shares for an indefinite period, and, at the present time, can afford a complete
loss  of  its  investment;

(2)     does not have an overall commitment to investments which are not readily
marketable that is disproportionate to its net worth, and that its investment in
the  Shares  will  not  cause  such  overall  commitment  to  become  excessive;

(3)     is  acquiring  the  Shares  for its own account, for investment purposes
only  and not with a view toward resale, assignment or distribution thereof, and
no  other  person  has a direct or indirect, beneficial interest, in whole or in
part,  in  such  Shares;

(4)     has such knowledge and experience in financial, tax and business matters
that  it  is  capable of evaluating the merits and risks of an investment in the
Shares;

(5)     has  been  given  the  opportunity  to  ask  questions of and to receive
answers  from persons acting on IGA's behalf concerning the terms and conditions
of  this  transaction  and  also  has  been  given the opportunity to obtain any
additional  information  which IGA possesses or can acquire without unreasonable
effort  or  expense.  As  a  result,  Concepts  is  cognizant  of  the financial
condition,  capitalization,  use  of  proceeds  from  this  financing  and  the
operations and financial condition of the Company has available full information
concerning  their  affairs and has been able to evaluate the merits and risks of
the  investment  in  the  Shares;  and

<PAGE>
(6)     The  funds  provided  for  the  Concepts's  purchase are either separate
property,  community  property  over which the signatory(ies) hereto has or have
the  right of control or are otherwise funds as to which the undersigned has the
sole  right  of  management.

     4.     Redemption  Period.  During the time period between December 1, 1999
            ------------------
and  February  29, 2000, Concepts shall have the option, but not the obligation,
to  return  the  Shares  to IGA in exchange for the sum of $15,000.00 payable in
cash.  If,  after  February  29,  2000, Concepts has not elected to exercise its
rights  under  this  paragraph,  then  its  rights  hereunder  shall  terminate.

     5.     Severability.  If  any portion of this Agreement is found by a court
            -------------
of  competent  jurisdiction  to  be void or unenforceable, that portion shall be
deemed  to  be  reformed  to  the  extent  necessary to cause such portion to be
enforceable and the same shall not affect the remainder of this Agreement, which
shall  be  given  full  force  and  effect  without  regard  to  the  invalid or
unenforceable  portions.

     6.     Assignment.  This  Agreement  may  not be assigned or transferred by
            -----------
either  party  hereto  without  the  prior  written consent of all other parties
hereto.

     7.     Notices.  All  notices, requests, instruments or documents hereunder
            --------
shall  be in writing and delivered personally or sent by registered or certified
mail,  postage  prepaid,  or  by  facsimile transmission, telegraphic or similar
conveyance:

     If  to  IGA:          Internet  Golf  Association
                           24921  Dana  Point  Harbor  Drive,  Suite  B-200
                           Dana  Point,  CA  92629
                           Attn:  Vincent  C.  Castagnola,  President
                           Facsimile  (949)  443-9697

     If  to  Concepts:     Computer  Concepts
                           219  S.  El  Camino  Real
                           San  Clemente,  CA  92672
                           Attn:  Ken  Bedker
                           Facsimile  (714)  361-2788

If  delivered  personally,  the  date on which a notice, request, instruction or
document  is  delivered  shall  be  the  date on which delivery is made, and, if
delivered  by  mail,  the  date  on  which  such notice, request, instruction or
document  is  deposited in the mail shall be the date of delivery.  Each notice,
request,  instruction  or document shall bear the date on which it is delivered.

     8.     Governing  Law; Venue.  This Agreement shall be governed by the laws
            ---------------------
of  the  State  of  California,  United  States of America.  Any cause of action
brought  by  an  party  hereunder  shall  be  brought  in  the  court  of proper
jurisdiction  in  Orange  County,  California.

<PAGE>
     9.     Attorney's Fees.  Should any action be commenced between the parties
            ----------------
to  this  Agreement  concerning  the  matters set forth in this Agreement or the
rights  and  duties  of either in relation thereto, the prevailing party in such
action shall be entitled, in addition to such other relief as may be granted, to
a  reasonable  sum  as  and  for  its  Attorney's  Fees  and  Costs.

     IN  WITNESS  WHEREOF,  the  parties hereto have caused this Agreement to be
duly  executed  and  delivered  as  of  the  date  first  written  above.

"IGA"                                        "Concepts"

INTERNET  GOLF  ASSOCIATION                    COMPUTER  CONCEPTS

___/s/_________________________               ______/s/______________________
By:     Vincent  C.  Castagnola                    By:
________________________
Its:     President                              Its:________________________

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