Document:

EXHIBIT 10.44
                                                                   -------------

                      COLLATERAL ASSIGNMENT OF PATENTS AND
                        TRADEMARKS AND SECURITY AGREEMENT
                        ---------------------------------

         COLLATERAL ASSIGNMENT OF PATENTS AND TRADEMARKS AND SECURITY AGREEMENT,
dated effective November 14, 2000, made by VALUEFLASH.COM, INC., a Delaware
corporation, having its principal office at 250 West 57th Street, New York, New
York 10019, (the "Borrower") to CDKNET.COM, INC., a Delaware corporation, having
an office at 250 West 57th Street, New York, New York 10019, STEVEN A. HOROWITZ,
residing at 3 Equestrian Court, West Hills, New York 11743 and DAN ROC LIMITED
PARTNERSHIP, with offices at 370 Madison Avenue, Cedarhurst, New York
(collectively, the "Lender").

                              W I T N E S S E T H :
                              - - - - - - - - - -

         WHEREAS, Borrower owns the patents, patent registrations, patent
applications, trademarks, trademark registrations and trademark applications
listed on, respectively, Schedule 1 and Schedule 2 annexed hereto (for purposes
of this Patent and Trademark Security Agreement, all references to "trademark",
"trademark registrations", "trademark applications" and "trademark licenses"
shall be deemed to include service marks, service mark registrations, service
mark applications and service mark licenses);

         WHEREAS, Borrower has granted to Lender a security interest in certain
of the assets of Borrower to secure the payment of all amounts owing under the
provisions of a Security Agreement dated the date hereof between Borrower and
Lender (the "Agreement");

         WHEREAS, to further secure the payment of all amounts owing under the
terms of the Agreement, Borrower has agreed to grant to Lender a collateral
assignment of and security interest in, inter alia, all rights, title and
interest of Borrower in, to and under all Borrower's patents, patent
registrations, patent applications, trademarks, trademark registrations,
together with any renewals thereof, trademark applications and any registrations
resulting therefrom, whether presently existing or hereafter arising or
acquired, together with the goodwill of the business symbolized by the patents,
trademarks and the applications therefore and the registrations thereof, and all
products and proceeds of its rights, title and interest in and to such patents,
patent registrations, patent applications, trademarks, trademark registrations
and trademark applications, including, without limitation, any and all causes of
action which may exist by reason of past, present or future infringement,
misappropriation, misuse or dilution thereof or injury to the associated
goodwill;

         NOW, THEREFORE, subject to the terms and conditions set forth herein,
for good and valuable consideration, the receipt and sufficiency of which is
hereby acknowledged, in order to more fully perfect and confirm unto Lender the
collateral assignment of and security interest in the Patent and Trademark
Collateral referred to below, Borrower does hereby sell, assign, convey,
transfer, deliver and set over to Lender and grant to Lender a security interest
in all
<PAGE>

Borrower's rights, title and interest in, to and under the following (all of the
following items or types of property being herein collectively referred to as
the "Patent and Trademark Collateral"), whether presently existing or hereafter
arising or acquired:

         (i) each patent, patent license and patent application owned by
Borrower, including, without limitation, each patent and patent application of
Borrower referred to in Schedule 1 hereto, and any patent granted thereon,
together with any divisional, provisional, continuation, reissue or other
related application, and any renewals thereof in the United States and the
territories in which the related applications were filed and the related patents
were granted, and all of the goodwill of the business connected with the use of,
and symbolized by each such patent;

         (ii) each trademark, trademark registration and trademark application
owned by Borrower, including, without limitation, each trademark referred to in
Schedule 2 hereto, and renewals thereof, in the territories in which the related
registrations were granted and the related applications were filed, and any and
all common law or other rights in trademarks owned by and used in the businesses
of Borrower as of the date of this instrument for which neither an application
for registration has been filed nor a registration granted, along with the
goodwill of said businesses conducted under said trademarks and service marks in
said territories and jurisdictions, and all together with the rights to sue for
past infringement thereof; and

         (iii) all products and proceeds of the foregoing, including, without
limitation, any claim by or accruing to Borrower against third parties for past,
present or future infringement, dilution, misuse or misappropriation of any
patent, patent registration, trademark or trademark registration owned by
Borrower, including, without limitation, any patent, patent registration,
trademark or trademark registration referred to in Schedule 1 or Schedule 2
hereto, as the case may be or for injury to the goodwill associated with any
patent, patent registration or patent application, or with any trademark,
trademark registration, or trademark applications.

         Borrower shall, without charge, render such assistance to Lender as
might be reasonably necessary in order for Lender to establish and maintain
clear record ownership and control of the assets set forth in the Schedules
attached hereto, said assistance including the execution of such further
assignments, instruments and other documents requested by Lender as necessary,
desirable or appropriate for the aforesaid purposes.

         Borrower does hereby acknowledge and affirm that the rights and
remedies of Borrower with respect to the security interest in the patents,
patent registrations, patent applications, trademarks, trademark registrations,
and trademark applications made and granted hereby are as provided in the
Agreement, all such rights and remedies being incorporated herein by reference.

         During the term of this Collateral Assignment of Patents and Trademarks
and Security Agreement, Borrower shall continue the normal maintenance of the
subject patents and trademarks by filing all appropriate new applications,
affidavits of use and /or renewal applications as needed and by prosecuting any
applications thereof. If Borrower fails to do any
<PAGE>

of the same, Lender shall have the right (but not the obligation) to cause the
same to be performed, all at the sole cost and expense of the Borrower.

         The parties hereto hereby acknowledge and agree that this Collateral
Assignment of Patents and Trademarks and Security Agreement is for collateral
security only, and that Lender shall take title to and control of the
intellectual property assets set forth herein only if and when Lender becomes
entitled to exercise its rights and remedies under the security interests
granted to Lender pursuant to the terms and conditions of the Agreement between
Borrower and Lender and any other security agreement securing the same, and that
prior to the time that Lender becomes entitled to exercise such rights and
remedies the control and ownership of the intellectual property assets set forth
herein shall at all times remain with Borrower.

         This Collateral Assignment of Patents and Trademarks and Security
Agreement shall terminate at such time as all of the obligations governed by the
Agreement have been fully and finally paid and performed and, upon such final
termination and upon request from the Borrower, Lender shall promptly execute
and deliver, at Borrower's sole cost and expense, to Borrower such documents and
instruments as are reasonably necessary to evidence such termination and usable
to record the termination and release of the security interests granted herein.

         Borrower hereby waives any and all legal requirements that Lender
institute any action or proceeding in law or in equity against any other party,
or exhaust its remedies under the Agreement or any of the documents executed in
connection therewith as a condition precedent to exercising its rights and
remedies hereunder.

         This Assignment shall be binding upon Borrower, and its successors and
assigns and shall inure to the benefit of Lender, and its successors and
assigns.

         This Assignment may only be modified, altered, amended or terminated by
an agreement in writing executed by the parties hereto.

         If any term, covenant or condition or, if separable, any part thereof
of this Assignment shall be held to be invalid, illegal or unenforceable in any
respect, this Assignment shall be construed without such provision or part
thereof.

         This Assignment shall be governed by and construed under the laws of
the State of New York, without regard to its principles of conflicts or choice
of law.
<PAGE>

         IN WITNESS WHEREOF, Borrower has caused this Collateral Assignment of
Patents and Trademarks and Security Agreement to be duly executed on the date
first above written.

                                            VALUEFLASH.COM, INC.

                                            By: /s/ Shai Bar Lavi
                                                -----------------
                                                Shai Bar Lavi

AGREED TO AND ACCEPTED:

CDKNET.COM, INC.

By: /s/ Steven A. Horowitz
    ----------------------------------------
    Steven A. Horowitz, Chief Executive Officer

/s/ Steven A. Horowitz
--------------------------------------------
Steven A. Horowitz

DAN ROC LIMITED PARTNERSHIP

By: Dan Roc Management Corp.,

By: /s/ Michael Sonnenberg by: Chris Hanscom-Bolton, P.O.A.
    -------------------------------------------------------
    Michael Sonnenberg

<PAGE>

STATE OF NEW YORK    )
COUNTY OF NASSAU     )  SS.:

         On the 18th day of Dec., in the year 2000 before me, the undersigned,
personally appeared Shai Bar Lavi, personally known to me or proved to me on the
basis of satisfactory evidence to be the individual whose name is subscribed to
the within instrument and acknowledged to me that he executed the same in his
capacities, and that by his signature on the instrument, the individual, or the
person upon behalf of which the individual acted, executed the instrument.

                                        /s/ Doreen C. Keil
                                        ------------------
                                        Signature and Office of individual
                                        taking acknowledgment
                                        Doreen C. Keil
                                        Notary Public, State of New York
                                        No. 5000920
                                        Qualified in Suffolk County
                                        Commission Expires August 24, 2002

STATE OF NEW YORK        )
COUNTY OF ________       )    SS.:

         On the ____ day of _________, in the year 2000 before me, the
undersigned, personally appeared Steven A. Horowitz, personally known to me or
proved to me on the basis of satisfactory evidence to be the individual whose
name is subscribed to the within instrument and acknowledged to me that he
executed the same in his capacities, and that by his signature on the
instrument, the individual, or the person upon behalf of which the individual
acted, executed the instrument.

                                           -----------------------------------
                                           Signature and Office of individual
                                           taking acknowledgment

<PAGE>

STATE OF NEW YORK        )
COUNTY OF NASSAU         )   SS.:

         On the 18th of Dec., in the year 2000 before me, the undersigned,
personally appeared Michael Sonnenberg, personally known to me or proved to me
on the basis of satisfactory evidence to be the individual whose name is
subscribed to the within instrument and acknowledged to me that he executed the
same in his capacities, and that by his signature on the instrument, the
individual, or the person upon behalf of which the individual acted, executed
the instrument.

                                    /s/ Doreen C. Keil
                                    --------------------------------------
                                    Signature and Office of individual taking
                                    acknowledgment
                                    Doreen C. Keil
                                    Notary Public, State of New York
                                    No. 5000920
                                    Qualified in Suffolk County
                                    Commission Expires August 24, 2002
<PAGE>

                                  SCHEDULE "1"
                                  ------------

<PAGE>

PATENT APPLICATION NUMBER   FILING DATE      APPLICANTS         TITLE
-------------------------   -----------      ----------         -----

09/588,768                  June 6, 2000     Shai Bar Lavi      System and
                                             Robert Hopwood     method for
                                             Shlomo Shur        disseminating
                                                                information
                                                                over a
                                                                communication
                                                                network
                                                                according to
                                                                predefined
                                                                consumer
                                                                profiles

<PAGE>

                                  SCHEDULE "2"
                                  ------------

TRADEMARK SERIAL NUMBER                                       MARK
-----------------------                                       ----

75/950782                                                     VFLASHEXHIBIT 10.45
                                                                   -------------

                                CDKNET.COM, INC.

October 31, 2000                                                     $100,000.00

                           10% SECURED PROMISSORY NOTE
                                  Due On Demand

         CDKNET.COM, INC., a Delaware corporation (the "Company"), for value
received, effective as of the date first above written, hereby promises to pay
to the order of STEVEN A. HOROWITZ (the "Holder"), the principal sum of One
Hundred Thousand Dollars ($100,000.00) (the "Principal Amount"), together with
interest on the outstanding Principal Amount at the rate of ten percent (10%)
per annum. The Company shall pay to the order of Holder, within 5 business days
the Company's receipt of a written demand from Holder, so much of or all of the
amounts due and owing hereunder as the Holder may demand from time to time (in
each such case, the "Maturity Date"). All payments hereunder shall be made to
the Holder care of Moritt, Hock, Hamroff & Horowitz, LLP., a New York Limited
Liability Partnership, at 400 Garden City Plaza, Suite 202, Garden City, New
York 11530, in such coin or currency which shall constitute legal tender of the
United States. In the event that for any reason whatsoever any interest or other
consideration payable with respect to this Note shall be deemed to be usurious
by a court of competent jurisdiction under the laws of the State of New York or
the laws of any other state governing the repayment hereof, then so much of such
interest or other consideration as shall be deemed to be usurious shall be held
by the Holder as security for the repayment of the principal amount hereof and
shall otherwise be waived.
<PAGE>

1.       PRIORITY OF PAYMENT; REDUCTION IN PRINCIPAL AMOUNT.
         --------------------------------------------------
         Any payments hereunder will be applied in the following order of
priority: first to the payment of any fees, expenses or other costs the Company
is obligated to pay hereunder; next to any accrued and unpaid interest due and
owing by the Company to the Holder and then to the unpaid principal balance of
this Note.

2.       PAYMENT OF COSTS AND EXPENSES.
         -----------------------------
         The Company shall pay all costs and expenses, including, without
limitation, reasonable attorneys' fees and all expenses and disbursements of
counsel, in connection with the enforcement, after the occurrence of an Event of
Default (as such term is defined below) hereunder, of any of the Holder's rights
against the Company under this Note (whether or not suit is instituted by or
against the Holder).

3.       COVENANTS OF COMPANY.
         ---------------------
         (a)   The Company covenants and agrees that, so long as this Note shall
be outstanding, it will:

               (1) Promptly notify Holder in writing when funds becomes
available to the Company from a certain secured promissory note dated effective
the 31st day of October, payable to the Company by ValueFlash.com, Inc. and/or
from any private placement of equity or debt offered by the Company at any time
from the date hereof until all amounts due and owing under this Note shall be
repaid. The Company hereby warrants, covenants and agrees that it shall use any
and all such funds exclusively for the repayment of all unpaid amounts due and
owing under this Note, in the order of priority set forth in Paragraph 1, above
until all amounts due and owing hereunder have been paid to Holder in full.
<PAGE>

               (2) Promptly pay and discharge all lawful taxes, assessments and
governmental charges or levies imposed upon the Company or upon its income and
profits, or upon any of its property, before the same shall become in default,
as well as all lawful claims for labor, materials and supplies which, if unpaid,
might become a lien or charge upon such properties or any part thereof;
provided, however, that the Company shall not be required to pay and discharge
any such tax, assessment, charge, levy or claim so long as the validity thereof
shall be contested in good faith by appropriate proceedings, and the Company
shall set aside on its books adequate reserves with respect to any such tax,
assessment, charge, levy or claim so contested.

               (3) Do or cause to be done all things necessary to preserve and
keep in full force and effect its corporate existence, rights and franchises and
comply with all laws applicable to the Company as its counsel may advise;

               (4) At all times maintain, preserve, protect and keep its
property used and useful in the conduct of its business in good repair, working
order and conditions, and from time to time make all needful and proper repairs,
renewals, replacements, betterments and improvements thereto, so that the
business carried on in connection therewith may be properly and advantageously
conducted at all times;

               (5) Keep adequately insured by financially sound insurers, all
property of a character usually insured by similar corporations and carry such
other insurance as is usually carried by similar corporations;

               (6) At all times keep true and correct books, records and
accounts; and

               (7) Keep and perform all covenants and obligations which are the
obligations of the Company to keep and observe under the Security Agreement.
<PAGE>

4.       EVENTS OF DEFAULT.
         -----------------
         (a) The Principal Amount and all interest thereon accrued and unpaid
shall immediately become due and payable upon written demand made by the Holder
if one or more of the following events, herein called "Events of Default," shall
occur:

               (1) Default in the payment of the principal or accrued interest
on this Note, when the same shall become due and payable, whether by
acceleration or otherwise;

               (2) Default in the due observance or performance of any covenant,
condition or agreement on the part of the Company to be observed or performed
pursuant to the terms hereof involving the payment of money;

               (3) Default in the performance of any obligation of the Company
hereunder, not involving the payment of money, which default continues uncured
for five (5) days after notice of such default has been given to the Company by
the Holder;

               (4) The occurrence of an Event of Default (after giving effect to
any applicable cure period) under the Security Agreement (as defined below);

               (5) Application for, or consent to, the appointment of a
receiver, trustee or liquidator for the Company or its property;

               (6) Admission in writing of the Company's inability to pay its
debts as they mature;

               (7) General assignment by the Company for the benefit of
creditors;

               (8) Filing by the Company of a voluntary petition in bankruptcy
or a petition or an answer seeking reorganization, or an arrangement with
creditors; or
<PAGE>

               (9) Entry against the Company of a court order approving a
petition filed against it under the federal bankruptcy laws, which order shall
not have been vacated or set aside or otherwise terminated within sixty (60)
days.

         (b) The Company agrees that notice of the occurrence of any Event of
Default will be promptly given to the Holder at his registered address by
certified mail.

         (c) From and after maturity or acceleration of the Note, whichever
shall first occur, interest shall be payable on the entire unpaid balance, until
paid in full, at an annual rate equal to the lesser of fifteen percent (15%) or
the highest rate permitted by law.

5.       COLLATERAL.
         ----------
         Payment of this Note is secured by certain assets of the Company
pursuant to the security agreement among the Company and Steven A. Horowitz (the
"Security Agreement"), all terms, covenants and conditions of which documents
shall be deemed incorporated herein by reference.

6.       MISCELLANEOUS.
         -------------

         (a) This Note has been issued by the Company pursuant to authorization
of the Board of Directors of the Company.

         (b) Upon receipt by the Company of evidence reasonably satisfactory to
it of the loss, theft, destruction or mutilation of this Note, and (in the case
of loss, theft or destruction) of reasonably satisfactory indemnification, and
upon surrender and cancellation of this Note, if mutilated, the Company shall
execute and deliver a new Note of like tenor and date. Any such new Note
executed and delivered shall constitute a contractual obligation on the part of
the Company, in place of this Note so lost, stolen, destroyed or mutilated.
<PAGE>

         (c) This Note shall be construed and enforced in accordance with the
laws of the State of New York (without giving effect to the choice of law or
conflict of law principles thereof).

         (d) Except as otherwise provided herein, the Company hereby waives
presentment, demand, notice, protest and all other demands and notices in
connection with the delivery, acceptance, performance, default or enforcement
hereof. No delay or omission on the part of the Holder in exercising or
enforcing any of its right, powers, privileges or remedies hereunder
(collectively, "Rights") shall operate as a waiver thereof, and a waiver of any
Rights on any one occasion shall not be construed as a bar to or waiver of any
Rights on any future occasion.

         (e) In the event that any court having jurisdiction shall determine
that any covenant or other provision contained in this Note shall be
unreasonable or unenforceable in any respect, then such covenant or other
provision shall be deemed limited to the extent that such court deems it
reasonable and enforceable, and as so limited shall remain in full force and
effect. In the event that such court shall deem any such covenant or other
provision wholly unenforceable, the remaining covenants and other provisions of
this Note shall nevertheless remain in full force and effect.

         (f) Any legal action or proceeding with respect to this Note shall be
brought in the courts of New York State, County of Nassau, or of the United
States of America for the Eastern District of New York, and, by execution and
delivery of this Note, the Company hereby accepts for itself and in respect of
its property, generally and unconditionally, the jurisdiction of the aforesaid
courts. The Company and the Holder hereby knowingly, voluntarily, intentionally
and irrevocably waives, in connection with any such action or proceeding: (1)
any objection, including, without limitation, any objection to the laying of
venue or based on the grounds of
<PAGE>

forum non conveniens, which it may now or hereafter have to the bringing of any
such action or proceeding in such respective jurisdictions and (2) to the
maximum extent not prohibited by law, any right it may have to a trial by jury
in respect of any litigation directly or indirectly arising out of, under or in
connection with this Note. Each of the Company and the Holder irrevocably
consents to the service of process of any of the aforementioned courts in any
such action or proceeding by the mailing of copies thereof in the manner
provided in paragraph (h) of this Section 6.

         (g) This Note shall be binding upon the Company and its successor and
permitted assigns and shall inure to the benefit of the Holder and its
successors and permitted assigns. The rights and obligations under this Note
shall not be assigned by the Company without the prior written consent of the
Holder, which may be given or withheld in its sole discretion. The rights and
obligations under this Note shall not be assigned by the Holder without the
prior written consent of the Company, which may be given or withheld in its sole
discretion.

         (h) All notices, requests, consents and other communications hereunder
shall be in writing, shall be addressed to the receiving party's address set
forth below or to such other address as a party may designate by notice
hereunder, and shall be either (1) delivered by hand, (2) sent by a nationally
recognized overnight courier service that regularly maintains records of items
picked up and delivered to the parties, by next day, priority delivery, or (3)
sent by registered or certified mail, return receipt requested, postage prepaid.

         If to the Holder:  CDKnet.com, Inc.
                            c/o Moritt, Hock, Hamroff & Horowitz, LLP
                            400 Garden City Plaza, Suite 202
                            Garden City, NY 11530
                            Attn: Steven A. Horowitz, Esq.
<PAGE>

         With a copy in
         each case to:      Moritt, Hock, Hamroff & Horowitz, LLP
                            400 Garden City Plaza, Suite 202
                            Garden City, NY 11530
                            Attn: Steven A. Horowitz, Esq.

         If to the Company: VALUEFLASH.COM, INC.
                            250 West 57th Street
                            New York, New York 10019
                            Attn: Shai Bar Lavi, Chief Executive Officer

         With a copy in
         each case to:      Moritt, Hock, Hamroff & Horowitz, LLP
                            400 Garden City Plaza, Suite 202
                            Garden City, NY 11530
                            Attn: Steven A. Horowitz, Esq.

         All notices, requests, consents and other communications hereunder
shall be deemed to have been given either (1) if by hand, at the time of the
delivery thereof to the receiving party at the address of such party set forth
above, (2) if sent by overnight courier, next day priority, on the next business
day following the day such notice is delivered to the courier service, or (3) if
sent by registered or certified mail, return receipt requested, on the fifth
business day following the day such mailing is made.

         (l) No provision hereof shall be modified, altered or limited except by
a written instrument expressly referring to this Note and to such provision, and
executed by the parties hereto.

         (m) If any date that may at any time be specified in this Note as a
date for the making of any payment of interest under this Note shall fall on
Saturday, Sunday or on a day which in New York State shall be a legal holiday,
then the date for the making of that payment shall be the next subsequent day
which is not a Saturday, Sunday or legal holiday.
<PAGE>

         IN WITNESS WHEREOF, the Company has caused this Note to be signed in
its name by its Chief Executive Officer effective as of the date first above
written.

                                            CDKNET.COM, INC.

                                            By: /s/ Steven A. Horowitz
                                                ----------------------
                                                Name:   Steven A. Horowitz
                                                Title:  Chief Executive Officer

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