Document:

EXHIBIT 4.0
                      (in form of certificate, two sided)

                       INCORPORATED UNDER THE LAWS OF THE
                                 STATE OF NEVADA
                       MILLENNIUM SOFTWARE, INC.
       25,000,000 AUTHORIZED SHARES, $.004 PAR VALUE NON-ASSESSABLE

NUMBER _____________                               SHARES ___________

                                                   CUSIP NO. 60036S 10 0

THIS CERTIFIES THAT
IS A RECORD HOLDER OF

Shares of Millennium  Software,  Inc. Common Stock  transferable on the books of
the Corporation in person or by duly authorized  attorney upon surrender of this
certificate properly endorsed. This certificate is not valid until countersigned
by the Transfer Agent and registered by the Registrar.
     WITNESS the facsimile seal of the Corporation and the facsimile  signatures
of its duly authorized officers.
Dated

(seal as follows: MILLENNIUM SOFTWARE, INC. CORPORATE SEAL, NEVADA)

/s/Elizabeth J. Bigwood                            /s/Anthony M. Bigwood
    SECRETARY                                         PRESIDENT

Countersigned and Registered
SILVER STATE REGISTRAR AND TRANSFER CORP.
P.O. BOX 17985
SALT LAKE CITY, UT 84117
By: _______________________________
        AUTHORIZED SIGNATURE

The following  abbreviations,  when used in the  inscription on the face of this
certificate,  shall  be  construed  as  though  they  were  written  out in full
according to applicable laws or regulations:

TEN COM - as tenants in common               UNIF GIFT MIN ACT --Custodian--

<PAGE>

TEN ENT - as tenants by the entireties             (Cust)       (Minor)
JT TEN - as joint tenants with right of         under Uniform Gifts to Minors
         survivorship and not as tenants        Act _________________________
         in common                                          (State)
Additional abbreviations may also be used though not in the above list.

For Value Received, _______________hereby sell, assign and transfer unto

PLEASE INSERT SOCIAL SECURITY OR OTHER
   IDENTIFYING NUMBER OF ASSIGNEE
-----------------------------------

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(PLEASE PRINT OR TYPEWRITE NAME AND ADDRESS, INCLUDING ZIP CODE, OR ASSIGNEE)

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________________________________________________________________________Shares
of the  capital  stock  represented  by the  within  certificate,  and do hereby
irrevocably  constitute and  appoint____________________________________Attorney
to transfer  the said stock on the books of the within  named  Corporation  with
full power of substitution in the premises.

Dated___________________________________________________________________________
NOTICE:  SIGNATURE MUST  CORRESPOND TO THE NAME AS WRITTEN UPON THE FACE OF THIS
CERTIFICATE  IN EVERY  PARTICULAR,  WITHOUT  ALTERNATION  OR  ENLARGEMENT OR ANY
CHANGE  WHATSOEVER,  AND  MUST BE  GUARANTEED  BY A BANK,  BROKER  OR ANY  OTHER
ELIGIBLE GUARANTOR  INSTITUTION THAT IS AUTHORIZED TO DO SO UNDER THE SECURITIES
TRANSFER AGENTS  MEDALLION  PROGRAM (STAMP) UNDER RULES  PROMULGATED BY THE U.S.
SECURITIES AND EXCHANGE COMMISSION.Electronic Software Distribution Agreement

This  agreement  is made and  entered  into on March  8th,  1999 by and  between
Digital  River,  Inc.,  its  successors  or assigns,  9625 West 76th Street Eden
Prairie,  Minnesota  55344 ("DR") and the  Millennium  Software,  Inc registered
office  at  2950  East  Flamingo  Road,  Suite  G,  Las  Vegas,  Nevada  89121 a
corporation,  hereafter  referred to as "Vendor",  with its principal  office at
2277 Lawson Avenue, West Vancouver BC V7V 2E3 Canada.

BACKGROUND

a.   Vendor  is the  Owner  of all  rights  (or has a  license  to  sell) to the
     Software as defined hereunder.
b.   Vendor  desires  to  enter  into an  Agreement  with  the DR to allow DR to
     distribute the Software.
c.   DR desires to obtain the right to distribute the Software.;

NOW THEREFORE, the parties hereby agree as follows:

1.DEFINITIONS

a.   Software:  the executable object code for the Vendor's software  identified
     on Exhibit A, including all subsequent  versions thereof provided to the DR
     pursuant to this Agreement.
b.   Documentation:  all computer readable and/or printed instructions,  manuals
     and other  materials  normally  provided from time to time by Vendor to End
     Users for use of the Software, and all subsequent versions thereof provided
     to DR pursuant to this Agreement.
c.   End-User License Agreement (EULA):  the computer readable license agreement
     provided  by Vendor that  governs the use of the Product by End Users,  and
     which is to be included with each copy of the Product sold by DR hereunder.
d.   DR Materials:  computer readable  materials provided by DR for inclusion in
     an electronic  package  containing the Software,  Documentation,  and EULA,
     which materials have been approved by Vendor.
e.   Product: a copy of the Software,  Documentation,  EULA and DR Materials, if
     any, packaged in computer readable form together for electronic delivery on
     www.digitalriver.com  (or equivalent)  and/or in tangible packaged form for
     delivery in accordance with this Agreement, as identified on Exhibit A.
f.   End User:  person(s)  or  organization(s)  that  acquire a Product  for use
     rather than resale or distribution.
g.   Vendor Trademarks: the trademarks,  trade names and logos used by Vendor in
     connection with the product.
h.   Territory:  all countries in the world except (i) countries to which export
     or  re-export  of any  Product,  of the direct  products  of any Product is
     prohibited by the United States law without first  obtaining the permission
     of the United States Office of Export Administration or its successors, and
     (ii) countries that may be hereafter  explicitly  excluded  pursuant to the
     terms of this Agreement.
i.   Dealer: person(s) or organization(s) that resell the Products.
j.   Site: the Vendor's World Wide Web Site
k.   Host Sales: sales of the Products originating from the Site.
l.   Channel Sales:  sales of the Product  originating  from a source other that
     the Site.
<PAGE>

Electronic Software Distribution Agreement (Exhibit 10.0 continued)

m.   Transaction:  the  processing at one time of a payment made by an End User,
     which processing of payment may include more than one (1) Product.

2. LICENSE

a.   Vendor hereby grants DR, within the Territory, a license and right to:
     1.   Reproduce and distribute the Product in computer  readable form to the
          End Users and/or Dealers;
     2.   Package the Product in a computer  readable form reasonably  specified
          by Vendor;
     3.   Utilize the Vendor  Trademarks in connection  with the  replication of
          the Product,  packaging and  distribution of the Product,  in a manner
          reasonably specified by Vendor; and
     4.   Distribute  in  tangible  form the  Product  to the End  Users  and/or
          Dealers.
b.   DR  acknowledges  that the Software and  Documentation  are the property of
     Vendor or its licensors  and that DR has no rights in the foregoing  except
     for encryption software supplied by DR, if any, and those expressly granted
     by this Agreement.
c.   Under no circumstances  shall the provisions of this Agreement be deemed to
     require DR to engage in any activities in connection with the  distribution
     of the Products that could, in the reasonable discretion of DR, result in a
     financial  loss  to  DR  or  result  in  an  unacceptably  small  level  of
     profitability for DR.

3. VENDOR'S GENERAL OBLIGATIONS

a.   Vendor shall deliver the current  version of the Product to DR  immediately
     following execution of this Agreement. Vendor will provide DR with:
     (i)  copies of the Software on master diskettes,
     (ii) Product  specification  information in a single file,  self extracting
          archive format,  or in another mutually  agreeable  computer  readable
          form that can be reproduced by DR,
     (iii)Documentation  in a computer  readable form mutually  agreeable to the
          parties that can be reproduced by DR, and
     (iv) all the items and materials specified in the "Requirements  Checklist"
          on Exhibit B.
b.   Vendor shall  provide DR with  computer  readable  copies  and/or  tangible
     packaged Products containing all new releases, updates, or revisions of the
     Software and Documentation within a reasonable time after each such release
     is made generally  available by Vendor.  Vendor will notify DR of its plans
     for  each  new  release,  update,  or  revision  of  the  Product  to DR in
     sufficient  quantities  on or before  the date it is  offered  to any other
     distributor.
c.   For Products are listed on Exhibit A as Host Sales,  Vendor shall provide a
     hypertext  link to  www.digitalriver.com  (Or  equivalent) on the Site (the
     Link) where  Product may be purchased by End-User from DR. Vendor agrees to
     prominently  display the Link and use readable  efforts to promote the Link
     on  Site.  Vendor  agrees  that no  other  hypertext  link  for sale of the
     Products will be placed on the Site or elsewhere  without the prior written
     consent of DR.
d.   If  Vendor  makes  any   modifications,   updates,   or  enhancements  (the
     Improvements)  to the  Product,  Vendor  will  offer the  Improvements  for
     distribution by DR on terms  substantially  equivalent to those provided in
     this  Agreement.  In the event that Vendor  develops  or  acquires  any new
     products,  Vendor  agrees  to  give  DR the  right  of  first  refusal  for
     distribution of these products on the Site and as provided for in this

<PAGE>

Electronic Software Distribution Agreement (Exhibit 10.0 continued)

    Agreement with respect to the Products.

e.   Vendor shall furnish an EULA in computer readable form to DR which is to be
     included  with each copy of the  Products  sold by DR  hereunder.  Vendor's
     linking  of  the  Site  to   www.digitalriver.com   (or  equivalent)  shall
     constitute approval of the EULA DR is delivering as part of the Product.
f.   Vendor shall provide all support and be fully  responsible for all warranty
     obligations relating to the Product.  Such support and warranty shall be in
     accordance with Vendor's  then-current  published  software support policy,
     or, in the absence of such a policy in a reasonable manner.
g.   Vendor shall provide DR, without charge,  such  technological  information,
     current maintenance documentation, and telephone assistance as is necessary
     to  enable  DR  to  effectively  reproduce,   electronically  package,  and
     distribute the Products as provided for in this Agreement.

4. WARRANTIES

a.   Vendor represents and warrants that it has the right and authority to enter
     into  this  Agreement  and to  grant  DR the  rights  to the  Software  and
     Documentation granted in this Agreement.
b.   Vendor represents and warrants to DR that the Vendor has all rights, title,
     and interest in the software and Documentation or has obtained the right to
     grant to DR the license set forth in this  Agreement.  As of the  execution
     date of this Agreement,  Vendor represents and warrants that to the best of
     Vendor=s knowledge the Product does not infringe upon or misappropriate the
     proprietary rights of any other person or organization.
c.   DR  represents  and warrants  that it has the right and  authority to enter
     into this Agreement.

d.   DR represents  and warrants that it will use its best efforts to accurately
     replicate the Product.

e.   DR represents  and warrants that except for  encryption  software,  if any,
     supplied by DR, the products will not be altered by DR.

5.  INITIALIZATION  FEE Vendor agrees to pay DR the Initialization Fee specified
on Exhibit A. Vendor agrees to allow DR to offset the unpaid  Initialization Fee
against  any or all other  amounts  owing to Vendor by DR under this  Agreement.
Product  available from Vendor will be installed on DR's server upon fulfillment
of other obligations pursuant to this Agreement. The Initialization Fee includes
normal price changes and version updates. All programming and other changes made
after initial site setup excluding  normal price changes,  product  addition and
version updates will be charged to Vendor at One Hundred  Dollars  ($100.00) per
hour  (Site  Maintenance).  Vendor  agrees to pay the  billed  Site  Maintenance
charges within thirty (30) days from the date of billing. In the event that Site
Maintenance is not paid for within thirty (30) days of billing, Vendor agrees to
allow DR to offset the unpaid Site  Maintenance  against any or all other amount
owing to Vendor by DR under this Agreement.

6. PROCESSING AND PAYMENTS

     Salesactivities  shall  be  processed,   and  payments  shall  be  made  in
accordance with the provisions specified on Exhibit C.

7. ORDERS BY MEANS OTHER THAN FROM SITE

     The Vendor  shall be charged  (written)($  . ) for each order taken for the
Products by means including, but not limited to, orders taken

<PAGE>

     Electronic Software Distribution Agreement (Exhibit 10.0 continued)

by  telephone,  email,  facsimile  transmission  or by means other than from the
Site,  which amount shall,  as  applicable,  be invoiced to the Vendor by DR, or
deducted from payments made by DR to the Vendor.

8. RECORDS
 DR and Vendor  agree to maintain  adequate  books and  records  relating to the
distribution  of the  Products  to end  Users  and  Dealers,  including  without
limitation,  books,  records, and tax returns relating to returns,  refunds, and
sales and use taxes.  Such books and records shall be available at the principal
office of each party for  inspection  by the other  party or its  representative
during normal business hours, for the purpose of determining the accuracy of the
payments required to be made pursuant to the provisions of this Agreement.  Each
party  shall  have the right to  conduct  such an audit  upon  twenty  (20) days
advance  written notice not more than twice each year. In the event that such an
audit  discloses an  underpayment  which is greater than five percent (5%), then
the  party  responsible  for the  underpayment  shall pay the  underpayment  and
reasonable  costs of such audit,  otherwise the party requesting the audit shall
pay the costs of such audit.

9. DELIVERY OF PRODUCTS

     As specified in Exhibit A, DR and/or Vendor shall be responsible for making
digital and/or tangible delivery of the Products as follows:

a.   The following  provisions  shall apply to any Products  listed on Exhibit A
     for which digital delivery is to be made by DR:

     1.   Within  twenty-four  (24) hours after  receipt of an order from an End
          User, DR shall make digital delivery of the Products  available to the
          End User.

b.   The following provisions will apply to any Products listed on Exhibit A for
     which tangible delivery is to be made by DR:

     1.   The Vendor  shall  provided DR with an inventory of the Products to be
          held on consignment and used by DR to fulfill orders for the Products.
          DR shall be  responsible  for the  delivery of the Products to the End
          Users at the locations designed by the End User.
     2.   The  Products  shall be  delivered  to DR  prepackaged  and  ready for
          shipment  and  delivery  to the End User.  The Vendor  shall be solely
          responsible for the shipment of the Products to DR and shall be solely
          responsible  for all  costs  and  expenses  associated  with  any such
          shipments.  The Vendor shall bear the entire risk of loss or damage to
          the Products during shipments to or from DR.
     3.   Within fifteen (15) days after the date of this Agreement,  the Vendor
          shall provide DR with such consigned quantities of the Products as may
          be mutually agreed upon in writing by DR and the Vendor. On a periodic
          basis,  DR shall  provide an  inventory  detail to Vendor  showing the
          current  inventory  of  the  Products,  Periodically,  DR  will  issue
          consignment  purchase orders for the estimated needs of the Product to
          be  tangibly  delivered.The  Vendor  shall be  responsible  for making
          prompt delivery of the Products to DR.

<PAGE>

     4.   All  Shipments  of Product to DR will be  clearly  labelled  with DR's
          purchase  order  number on the  outside of the box.  If DR is tracking
          serial  numbers  for the  Products,  Vendor  will  provide  with  each
          shipment of the Product a complete  list of the serial  numbers of the
          Product enclosed in the box.
     5.   DR shall have no  liability  of any kind  whatsoever  as a result of a
          delay in the  delivery of the  Products by Vendor,  or the delivery of
          Products to DR in  non-conforming  condition,  Upon the termination of
          this  Agreement,  at the Vendor's  sole cost and  expense,  the unsold
          inventory of the Products shall be returned to the Vendor.

c.   The following  provisions  shall apply to any Products  listed on exhibit A
     for which digital or tangible delivery is to be made by Vendor:

     1.   The Vendor  shall  maintain an inventory of the Products to be used by
          Vendor to fulfill orders for tangible delivery of products.
     2.   On a daily basis,  by electronic  and/or  facsimile  transmission,  DR
          shall notify  Vendor about the number of orders for the Products  made
          the  previous  day (the Order  Notification).  The Order  Notification
          shall  contain  the  names  and  delivery  addresses  (including,   as
          applicable,  electronic  delivery  addresses)  of the End  Users;  the
          names, serial numbers, and quantity of the Products sold to particular
          End Users;  and the manner of the delivery to such End Users  (whether
          digital or tangible delivery).
     3.   Vendor shall be responsible  for making digital or tangible  delivery,
          as applicable, of all Products to the End Users and Dealers identified
          in the Order  Notifications,  and shall be responsible for all risk of
          loss of, or damage to the Products during digital or tangible delivery
          to  the  End  Users.   Vendor   shall,   as  specified  in  the  Order
          Notification,  make digital  delivery or tangible  shipment to the End
          User of all the Products within  twenty-four  (24) hours after receipt
          of the Order Notifications.
     4.   Vendor shall develop,  establish,  and maintain such delivery  systems
          and  procedures as may, in the  discretion of DR, be necessary  ensure
          that the  Products are promptly  and  correctly  delivered,  and which
          enable  DR and  Vendor  to  immediately  determine  the  status of the
          Products  during  delivery.  On a daily basis,  by  electronic  and/or
          facsimile  transmission,  Vendor  shall  provide  a report to DR which
          provides   information  about  the  digital  deliveries  and  tangible
          shipments  of  the  Products  made  the  previous  day  (the  Shipment
          Reports).  The Shipment  Reports shall contain the names, and delivery
          addresses (including, as applicable, electronic delivery addresses) of
          the End Users or  Dealers  to whom the  Products  have been  digitally
          delivered or tangibly shipped; the form of delivery(whether digital or
          tangible  delivery);  the  name,  address,  and  telephone  number  of
          carriers (in case of tangible shipment); confirmation numbers; package
          tracking information;  and any other information that may from time to
          time be requested by the Company.

10. MARKETING PAYMENTS

     If  Exhibit  D has been  initialed  by the  parties  and  attached  to this
Agreement,  Vendor,  and  DR  agree  to the  marketing  payments  and  marketing
activities provided for on Exhibit D.

<PAGE>

11. CUSTOMER SERVICE

   DR's  policy is to provide  End User's with a thirty (30) day right to return
Products  for a refund of the purchase  price paid by the End User,  Returns and
refunds  may be  made  in the  discretion  of DR.  This  policy  is  subject  to
modification  from  time to time in the  discretion  of DR.  To the  extent  the
Vendor=s  return  policies are  consistent  with those of DR then in effect,  DR
shall  cooperate  and assist  the  Vendor and End Users with  respect to Product
Returns.

12. CONFIDENTIALITY

a.   Each party agrees that all binary code,  inventions,  algorithms,  know-how
     ideas,  and all other  business,  technical  and financial  information  it
     obtains from the other party  constitutes the confidential  property of the
     disclosing party (confidential Information).  Except as expressly permitted
     in this Agreement,  the receiving party will hold in confidence and not use
     or disclose  any  Confidential  Information  and shall  similarly  bind its
     employee and agents.  The receiving party shall not be obligated under this
     Section with respect to information the receiving party can document that:

     1.   is or has become  readily  available to the public through no fault of
          the receiving party or its employees or agents; or
     2.   is received  without  restriction  from another person or organization
          lawfully in possession of such  information and lawfully  empowered to
          disclose such information;
     3.   was  rightfully  in the  possession  of the  receiving  party  without
          restriction prior to its disclosure by the disclosing party; or

     4.   is independently  developed by the receiving party or its employees or
          agents  without  access  to  the  other  disclosing   party's  similar
          Confidential  Information.  Each  party=s  obligation  with respect to
          Confidential  Information  shall continue for the shorter of three (3)
          years from date of  termination  of this Agreement or until one of the
          above   enumerated   conditions   becomes   applicable.   Each   party
          acknowledges  that its breach pf this Section would cause  irreparable
          injury  to the  other  for which  monetary  damages  are not  adequate
          remedy. Accordingly, a party will be entitled to injunctive relief and
          other equitable remedies in the event of a breach of the terms of this
          Agreement.  b.  DR  agrees  no  to:  (i)  disassemble,  decompile,  or
          otherwise reverse engineer the Software, or otherwise attempt to learn
          the  source  code,  structure,  algorithms  or  ideas  underlying  the
          Software;  or (ii) take any action  contrary to EULA except as allowed
          under this Agreement.

13. VENDOR TRADEMARKS

a.   DR acknowledges that the Vendor Trademarks are trademarks owned or licensed
     solely and  exclusively by Vendor,  DR agrees to use the Vendor  Trademarks
     only in the form and manner and with  appropriate  legends as prescribed by
     Vendor. All use of Vendor Trademarks shall inure to the benefit of Vendor.
b.   DR shall not remove,  alter,  cover,  or obfuscate any copyright  notice or
     other proprietary rights notice placed in or on the Products by Vendor.

14. INDEMNIFICATION

a.   Vendor shall defend,  indemnify, and hold DR and its successors and assigns
     harmless from and against any and all liabilities,  losses, damages, costs,
     and  expenses  (including  without  limitation,  reasonable  legal fees and
     expenses)  associated with or incurred as a result of any claim, action, or
     proceeding  instituted  against DR and its successors and assigned  arising
     out of or relating  to the acts or failure to act of the Vendor,  or any of
     its affiliated companies,  agents, employees or other related parties under
     this  Agreement   including,   without  limitation,   action,   claims,  or
     proceedings  related to:

     (i)  Vendor's performance of its obligations under this Agreement,
     (ii) the breach by Vendor of any pf the terms of this  Agreement  or any of
          the representation and warranties contained herein;

<PAGE>

     Electronic Software Distribution Agreement (Exhibit 10.0 continued)

     (iii)the actual or alleged  infringement of any proprietary  rights arising
          out of DR's  duplication,  sale,  distribution,  or  other  use of the
          Product pursuant to this Agreement; or (iv) in the event the Vendor is
          obligated to sales or use tax payments  pursuant to the  provisions of
          Exhibit C, any  obligation or liability of DR and its  successors  and
          assigns to make use tax  payments in any state  indicated in Exhibit C
          or otherwise.
b.   DR shall  indemnify  and hold Vendor  harmless from and against any and all
     liabilities,  losses,  damages,  costs, and expenses (including  reasonable
     legal fees and  expenses)  associated  with or  incurred as a result of any
     claim action, or proceeding  instituted  against Vendor resulting from DR=s
     improper or unauthorized replication,  packaging, marketing,  distribution,
     or installation of the Product,  or the breach by DR of any of the terms of
     this  Agreement  or any of the  representations  and  warranties  contained
     herein.
c.   If either Vendor or DR receives notice or knowledge of a claim as described
     above,  it will  promptly  notify the other  party in writing  and give the
     other party all  necessary  information  and  assistance  and the exclusive
     authority to evaluate, defend, and settle such claim.

15.  LIMITATION OF LIABILITY The total liability of DR (including its employees,
     agents, and Dealers) for all claims,  whether in contract,  tort (including
     negligence and product  liability) or otherwise,  arising out of, connected
     with, or resulting from the  distribution of the Products or the provisions
     of this Agreement shall not exceed the net amount realized by DR hereunder.
     IN NO EVENT  SHALL DR BE  LIABLE  FOR ANY LOSS OF DATA,  LOST  PROFITS,  OR
     INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR EXEMPLARY DAMAGES, EVEN IF
     DR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND  NOTWITHSTANDING
     THE FAILURE OF ESSENTIAL PURPOSE OF ANY LIMITED REMEDY PROVIDED HEREIN.

16. TERM AND TERMINATION

a.   This  Agreement  will  continue  un effect  for two (2) years from the date
     hereof (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 ninety (90) days  written  notice prior to
     the expiration of the Initial Term and Renewal Term.

<PAGE>

b.   This  Agreement may be terminated by a party  immediately by written notice
     to the other party upon the occurrence of any of the following events:  (i)
     If the  other  party  ceases to do  business,  or  otherwise  substantially
     terminates its business  operations;  (ii) If the other party shall fail to
     promptly secure or renew any license registration, permit, authorization or
     approval for the conduct of its business in the manner contemplated by this
     Agreement or if any such license,  registration,  permit,  authorization or
     approval is revoked or  suspended  and not  reinstated  within  thirty (30)
     days;  (iii) If the other party  materially  breaches any provision of this
     Agreement  and fails to fully cure such breach  within  thirty (30) days of
     written notice  describing  the breach;  or (iv) If the other party becomes
     insolvent  or  seeks  protection  under  any  bankruptcy  laws,  creditor=s
     arrangement,   composition  or  comparable  proceeding,   or  if  any  such
     proceeding is instituted  against the other and not dismissed within ninety
     (90) days.
c.   Upon  termination  of this  Agreement for any reason,  DR will  immediately
     cease distribution of the Product.  The termination of this Agreement shall
     not in any respect  whatsoever affect a party's obligation to make payments
     to the other party in  connection  with the  distribution  of Products that
     occurred prior to the termination of this Agreement.
d.   Termination  by either  party  will not  affect  the rights of any End User
     under the terms of the EULA.

17. GENERAL PROVISIONS

a.   This  Agreement  many not be assigned by Vendor or transferred by operation
     of law to any other  person or  organization  without the  express  written
     approval of DR. DR shall be entitled to assign this  Agreement in the event
     of a merger, acquisition,  joint venture, or a sale of substantially all of
     its assets or business, or any similar transaction.
b.   All notices and demands  hereunder  shall be in writing and shall be served
     by  personal  delivery,   nationally-recognized   express  courier,  or  by
     certified  mail at the  address  of the  receiving  party set forth in this
     Agreement (or at such different  address as may be designated by such party
     by written  notice to the other  party).  All notices and demands  shall be
     deemed given upon the earlier of receipt, two (2) days after deposit with a
     nationally-recognized  express  courier;  or five (5) days after deposit in
     the mail.
c.   This  Agreement  shall be governed by and construed in accordance  with the
     substantive laws of the state of Minnesota.
d.   Each  party is acting  as an  independent  contractor  and not as an agent,
     partner, or joint venturer with the other party for any purpose.  Except as
     provided in the Agreement,  neither party shall have the right,  power,  or
     authority to act or to create any obligation, express or implied, on behalf
     of the other.
e.   The  indemnification  and  confidentiality  obligations  set  forth  in the
     Agreement  and any  other  provision  which by its  sense  and  context  is
     appropriate,  shall  survive the  termination  of this  Agreement by either
     party for any reason.
f.   The titles and  headings of the various  sections  and  paragraphs  in this
     Agreement  are intended  solely for  convenience  of reference  and are not
     intended for any other purpose whatsoever,  or to explain,  modify or place
     any construction upon or in any of the provisions of this Agreement.
g.   All exhibits to this  Agreement  are  incorporated  herein by reference and
     made part of this Agreement.
h.   No provisions in either party's purchase  orders,  or in any other business
     forms  employed by either party will  supersede the terms and conditions of
     this  Agreement,  and no  supplement,  modification,  or  amendment  of the
     Agreement shall be binding, unless executed in writing by a duty authorized
     representative of each party to this Agreement.
i.   DR shall  not be in breach  of the  Agreement  in the event it is unable to
     perform  its  obligations  under  this  Agreement  as a result  of  natural
     disaster,   was,  emergency  conditions,   labor  strike,  the  failure  or
     substantial failure of the Internet,  or other reasons or conditions beyond
     its reasonable control.

<PAGE>

j.   The parties  have read this  Agreement  and agree to bound by its terms and
     further agree that it constitutes the complete and entire  agreement of the
     parties and supersedes all previous  communications,  oral or written,  and
     all other  communications  between them  relating to the license and to the
     subject thereof. No representation or statements of any kind made by either
     party,  which are not  expressly  stated  herein,  shall be binding on such
     party.

     Electronic Software Distribution Agreement (Exhibit 10.0 continued)

 IN WITNESS WHEREOF, the parties have executed this Agreement as of the date set
forth above.

DR:                                    Vendor:

Digital River, Inc.                    Millennium Software, Inc.

Signature:                             Signature: /s/ Anthony Bigwood
          -----------------------      ---------------------------------
Name & Title:                          Name & Title: A.M. Bigwood, Pres.
                                                     and CEO

Date: 3/24/99                             Date: March 8th 1999

<PAGE>

     Electronic Software Distribution Agreement (Exhibit 10.0 continued)

                             EXHIBIT A Defined Terms

As used in this Agreement,  the following terms shall have the meanings ascribed
to them below, and shall have application to the Products and DR and the Vendor,
as applicable, as indicated in the following table:

The term  "Advertised  Price"  shall mean the price at which the product will be
initially sold for Host Sales.

The term  "Discount  Percentage"  shall mean the percent by which the Advertised
Price is reduced.

The term  "Margin  Payment"  shall  mean the  Dollar  amount  of the  Discounted
Percentage, which, as applicable, shall be retained by or paid by DR.

The term  "Percentage  Cost" shall mean an amount equal to the Advertised  Price
minus the Margin  Payment,  and which  shall be payable by DR to Vendor for each
copy of a Product sold to an End User in a Host Sale.

The term "Fee" shall mean the amount indicated, which shall be payable to DR for
each Transaction.

The term  "Responsible  for  Delivery"  shall  mean the  party  responsible  for
delivering the Products to End Users.

The term  "Method of  Delivery"  shall mean the manner in which the Products are
delivered to End Users, either digitally or tangibly.

The term  "Distribution  Cost"  shall  mean the amount  indicated,  which is the
amount DR shall pay Vendor  for each  Product  sold in a Channel  Sale and which
shall not in any event be an amount  more than the  amount  for which the Vendor
sells the same Product to any other person or organization.

<PAGE>

     Electronic Software Distribution Agreement (Exhibit 10.0 continued)

                      EXHIBIT A (continued)
Product Information

Please fill out the following template for each Product.

Product name (50 characters maximum):        CHECKMYLOANS2000

Vendor Name (up to 36 characters):           MILLENNIUM SOFTWARE, INC

If product is for tangible delivery by
  DR, shipping weight:                       NOT GREATER THAN 75 GRAMS WEIGHT

Product Categories (up to 3)                 PERSONAL SOFTWARE

Does this Product include electronic
  documentation? (Y/N)                       ON LINE FILES WILL BE RESIDENT ON
                                             OUR WEB SITE
Does this Product include online help?
  (Y/N)                                      YES

What is the platform for this Product?       Win95/98 & NT

What is the vendor part number of this
 product?                                     CL #1

Will DR distribute serial numbers? (Y/N)      NO

Does this Product have an export ban? (Y/N)   NO

If yes, to which countries is export
  Restricted or banned?                       N/A

<PAGE>

     Electronic Software Distribution Agreement (Exhibit 10.0 continued)

                                    EXHIBIT C
                             Processing and Payments

For each  copy of a  product  sold and  delivered  to an End  User,  DR shall be
responsible  for  the  following  processing  of  payments  made  by  End  Users
(including  amounts for sales or use taxes).  Amounts  collected  by DR shall be
deposited in an account  established,  owned,  and maintained by DR. DR shall be
solely  responsible for the payment of any and all credit card transaction fees.
DR shall be solely  responsible  for the  preparation and filing of any sales or
use tax returns,  and the  payments of any and all sales or use taxes,  together
with any and all related interest and penalties.

Within  thirty (30) days after the end of each  calendar  month,  by  electronic
and/or facsimile transmission, DR shall contain the names and delivery addresses
of the End  Users,  and names,  Vendor  Product  numbers,  and  quantity  pf the
Products sold to particular End Users.  Within thirty (30) days after the end of
each calendar month, DR shall, as indicated,  in Exhibit A, pay Percentage Costs
and  Distribution  Costs to the Vendor based on the number of Products for which
DR processed  payment  during the  immediately  preceding  calendar  month.  Any
payment  or part of a payment  hereunder,  which is not paid when due shall bear
interest  at the  rate of 1.5%  per  month  from its due  date  until  paid.  DR
acknowledges that it shall bear the risk associated with unauthorized returns of
Vendor products and credit card charge-backs in connection with the distribution
of  the  Vendors   products  as  contemplated   by  this  Agreement.   Under  no
circumstances  shall DR be obligated to pay any Percentage Costs or Distribution
Costs in  connection  with any  activities  that are deemed to be  fraudulent or
criminal. DR shall use its best efforts to screen for, detect,  prevent and take
such  other  actions as it deems  reasonably  necessary  to  prevent  fraudulent
activity.  The existence of fraud,  or the possibility of the existence of fraud
shall  be  determined  in the sole  discretion  of DR,  and DR may,  at it deems
appropriate under the circumstances.  During the pendency of any such payment to
the Vendor of the Percentage Costs and  Distribution  Costs associated with such
inquiries and  investigations.  The payment of percentage Costs and Distribution
Costs shall be subject to adjustment by DR based on Product  returns and refunds
paid to End Users.

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