Document:

Loan Agreement with A.M Bigwood

WHEREAS,  Anthony Michael Bigwood,  2277 Lawson Avenue,  West Vancouver,  BC V7V
2E3,  Canada,  and Abacus  Systems Ltd and General Audit Systems.  Inc,  private
companies  controlled by him, have advanced loans amounting in total to $121,400
to the Company to June 30, 2000:

AND, The purpose of the loans is to provide working capital for the Company. AND
loans have been provided for the Company in the following amounts:

  Dates                               Loans
                                    Advanced
--------------------------------------------

02/96 -    12/31/97                 $ 37,763
01/01/98 - 09/30/98                 $  1,010
10/01/98 - 12/31/98                      Nil
01/01/99 - 03/31/99                 $ 27,996
04/01/99 - 06/30/99                 $  4,607
07/01/99 - 09/30/99                 $ 13,537
10/01/99 - 12/31/99                 $ 10,000
01/01/00 - 03/31/00                 $ 16,896
04/01/00 - 06/30/00                 $  9,591
--------------------------------------------
        Total                       $121,400

AND,  that A.M Bigwood and companies  controlled by him have received  5,107,500
common shares at $0.01 per share in lieu of cash repayment of debt, as follows:

Dates                       Loans    Shares    Reduction       Loan balance
                           Advanced  Issued    in debt          0wing to
                                                               Mr. Bigwood
--------------------------------------------------------------------------------

02/96 -    12/31/97       $ 37,763                             $  37,763
01/01/98 - 09/30/98       $  1,010                             $  38,773
10/01/98 - 12/31/98            Nil                             $  38,773
01/01/99 - 03/31/99       $ 27,996                             $  66,769
04/01/99 - 06/30/99       $  4,607                             $  71,376
07/01/99 - 09/30/99       $ 13,537   3,050,000   $30,500       $  54,413
10/01/99 - 12/31/99       $ 10,000       7,500   $    75       $  64,338
01/01/00 - 03/31/00       $ 16,896   2,050,000   $20,500       $  60,734
04/01/00 - 06/30/00       $  9,591                             $  70,325
--------------------------------------------------------------------------------
               Totals     $121,400   5,107,500   $51,075       $  70,325

THEN, it is hereby agreed that the terms of these loans are as follows:

1.   The loans are interest free.
2.   The loans are repayable on demand in common shares in lieu of cash.
3.   The value of shares  issued,  and to be issued,  in  settlement of the said
     loans is  determined by  calculating  the value of  shareholder  equity per
     share at the most  recently  available  financial  statement,  or $0.01 per
     share, whichever value is greater at the time of issue.

The balance of loans outstanding at June 30, 2000 amounted to $70,325.

The effective date of this loan agreement is September 7, 2000.

Signed by A.M Bigwood               Signed by Millennium Software, Inc.

/s/ Anthony Bigwood                         /s/ Anthony Bigwood
 A.M. Bigwood                               A.M. Bigwood/President

7th September, 2000                         7th September, 200013.1.2 Software Licensing Agreement
-----------------------------------

WHEREAS,  Abacus Systems Ltd, of 44 Church Road, Hamilton,  Bermuda,  ("Abacus")
has developed at its own cost and expense, valuable intellectual and proprietary
software products and User Guides which are known as:

     Software
     --------
            CheckMy Banking 2000
            CheckMY Loans 2000
            CheckMy Mortgage 2000

            CheckMy  Banking  Deluxe 2000  CheckMY  Loans  Deluxe  2000  CheckMy
            Mortgage Deluxe 2000

            CheckMy Banking 2000 User Guide
            CheckMY Loans 2000 User Guide
            CheckMy Mortgage 2000 User Guide

     User Guides
            Easy Learning Guide to CheckMy Banking
            Easy Learning Guide to CheckMy Loans
            Easy Learning Guide to CheckMy Mortgage

NOW: These  Products are hereby  licensed on the  following  terms to Millennium
     Software,  Inc., 2950 East Flamingo Road, Suite G, Las Vegas, Nevada 89121,
     United States.

In the  following  License,  Products  refers to CheckMy 2000  Software and User
Guides,  CheckMy 2000 Software  refers to CheckMy 2000 Products which operate on
personal  computer  systems and CheckMy  2000 User Guides  refer to CheckMy 2000
written documentation.

The License as amended consists of 3 (three) pages.

LICENSE
1. The License.

1.1  An  exclusive  worldwide  license  (the  license)  is  hereby  provided  to
Millennium Software,  Inc.,  (Millennium) to copy, duplicate,  sell, distribute,
sub-license the Products,  which includes the right of millennium to sub-license
third party  distributors to reproduce and distribute the Products by electronic
download and in physical CD-ROM form.

2. Royalties and Fees.

2.1 Millennium  hereby  acknowledges  that full ownership  title to the Products
belongs to Abacus.

2.2 Millennium  agrees to pay Abacus royalties (herein referred to as Royalties)
and fee payments  (Fees) based on Net Sales Revenues  earned by Millennium  from
sale of the Products on the following basis:

2.2.1. A 10% Royalty of the Net Sales Revenues of CheckMy 2000 Software.

2.2.2.  A 10% Royalty of the Net Sales  Revenues of CheckMy  2000 Easy  Learning
Guides.

2.2.3.  A 5% Fee based on Net Sales  Revenues of Products  for the  provision of
technical support for all Products supplied by Abacus.

     Net  Sales  Revenues  for  the  purposed  of  calculating  and  determining
Royalties  and Fees for the  duration  of this  license  will be sales  revenues
received by Millennium from the sale of Products,  before distributor discounts,
less full provision for credits provided for returned Products and provision for
bad debts which remain unrecovered after 12 months.
<PAGE>

3. Payment of Royalties and Fees.

     Royalties and Fees due to Abacus by Millennium under the provisions of this
License  will be paid not later  than 30 days  after  the end of each  quarterly
period commencing January 1st, 2000.

4. Accounting for Royalties and Fees.

     Millennium will provide Abacus with a full accounting of Net Sales Revenues
each month and each quarterly period.

5. Obligations of Abacus.

5.1  Abacus  agrees to provide  Millennium  with the  source  codes and  machine
readable codes of the CheckMy 2000 Software.

5.2 Abacus agrees to provide  Millennium with original versions of Easy Learning
Guides for duplication.

5.4 Abacus agrees to provide continuing technical support for the Products.

6. Rights to examine company records

<PAGE>

     Abacus, and its representatives, are granted unrestricted rights under this
License  agreement to inspect the books,  records and accounts of  Millennium on
demand, to establish a correct accounting for Royalties and fees due to Abacus.

7.  Confidentiality.   Millennium  by  signing  this  License,  agrees  to  keep
confidential,  all proprietary  knowledge acquired about the Products,  promises
not to divulge  any such  knowledge  to any third  party  unless  prior  written
consent of Abacus and its representatives is provided. Failure to abide by these
confidentiality rules will cause an immediate cancellation of the License.

8. Termination of License

8.1 Abacus may terminate the License, at its sole discretion, if Royalty and Fee
payments due to Abacus, or any part thereof, become 120 days or more overdue.

8.2 Abacus may  terminate  the License,  at its sole  discretion,  if management
control of Millennium changes from the current arrangements.

8.3 Millennium  may terminate this License at its sole  discretion by giving 120
days written notice to Abacus.

8.4 The License will be terminated  immediately upon written notice by Abacus if
the  confidentiality   provisions   contained  in  section  7  are  breached  by
Millennium.

8.5 On termination of the License,  Millennium  will return to Abacus all source
codes,  CD-R  duplication  disks,  all CD-ROM  copies of CheckMy  2000  Software
together with all copies of the Learning Guides in its possession, and all other
materials associated with the Products.

The effective commencement date of the License is 8th December, 1999.

Signed by Abacus Systems, Ltd.          Signed by Millennium Software, Inc.

/s/ Anthony Bigwood                         /s/ Anthony Bigwood
 A.M. Bigwood/Director                      A.M. Bigwood/President
8th of December, 1999                         8th of December, 1999

SIGNATURES

Pursuant  to the  requirements  of the  Securities  Exchange  Act of  1934,  the
Registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned hereunto duly authorized.

                                          MILLENNIUM SOFTWARE,INC

         September 11, 2000                 By: /s/ Anthony M Bigwood
                                              ---------------------
                                              Anthony M Bigwood
                                              President

<PAGE>EXHIBIT A

                                       TO

                       AGREEMENT dated as of July 15, 2000

                       PURSUANT TO THE STRATABASE.COM 2000

                                STOCK OPTION PLAN

                                      with

                                  Fred Coombes

         [X]      (check if applicable)
         The  Option   awarded  under  this   Agreement  is  intended  to  be  a
         Nonqualifying Stock Option.

         [_]      (check if applicable)
         The Option  awarded  under this  Agreement is intended to qualify as an
         Incentive Stock Option pursuant to Section 422 of the Code.

(a)      Number of shares of the Common Stock
         covered by the Option: 350,000 Shares.

(b)      Exercise price per share:  $0.50.

(c)      Vesting Date: July 15, 2000.

(d)      Exercise Period: 10 years from date of grant.

<PAGE>
                                 STRATABASE.COM

                             STOCK OPTION AGREEMENT

         This Stock Option  Agreement (the Agreement) is entered into as of July
15, 2000, by and between STRATABASE.COM,  a Nevada corporation (the Corporation)
and Fred Coombes (the Optionee).

         WHEREAS,  the Corporation desires to afford the Optionee an opportunity
to purchase certain Shares of the Corporation's  common stock so as to acquire a
proprietary  interest as a  shareholder  of the  Corporation  and to provide the
Optionee  with an  incentive  to use his  best  efforts  in the  service  of the
Corporation.

         NOW,  THEREFORE,  in consideration of the premises and mutual covenants
set forth below, the parties agree as follows:

1.       Grant of Option.

                  The  Corporation  hereby  grants  to  Optionee  the  right  to
purchase  up to the  aggregate  number of Shares set forth in Exhibit A attached
hereto at the  exercise  price per Share stated  therein.  The right to purchase
such Shares shall be subject to all of the provisions,  terms and conditions set
forth in this Agreement and in the STRATABASE.COM  2000 Stock Option (the Plan),
a copy of which is annexed hereto and made a part hereof. Unless defined in this
Agreement, capitalized terms used herein shall have the meaning ascribed to them
in the Plan.

[_] (check if applicable):

                  This Option is not  intended to be and shall not be treated as
an Incentive Stock Option under Section 422 of the Code unless this sentence has
been  manually  crossed out and its deletion is followed by the signature of the
corporate   officer  who  signed  this  Option  on  behalf  of  the  Corporation
_____________.

2.       Vesting Schedule and Expiration.

                  This Option shall not be exercisable prior to the vesting date
set forth in Exhibit A attached  hereto or subsequent to the expiration date set
forth therein unless extended by the Board of Directors or the Option Committee.
During the exercise period, the Option may be exercised by the Optionee (or such
other person or persons authorized to exercise Options under the Plan), in whole
or in part, from time to time, subject to the maximum percentage of Options then
exercisable  in  accordance  with the  schedule  set forth in Exhibit A attached
hereto.  The  Corporation  agrees to  maintain  during  such  exercise  period a
sufficient  number of Shares  (which may be  authorized  and unissued  Shares or
issued Shares that have been reacquired by the Corporation) corresponding to the
number of unexercised  Options granted to the Optionee after taking into account
any Share adjustment under the Plan.

<PAGE>
3.       Restrictions on Transferability of Options.

                  This Option may not be  transferred by the Optionee other than
by will or the laws of descent and  distribution and may be exercised during the
Optionee's  lifetime  only by the Optionee or the  Optionee's  guardian or legal
representative.  A  transfer  of an  Option by will or the laws of  descent  and
distribution  shall not be effective unless the Option Committee shall have been
furnished  with such evidence as it may deem necessary to establish the validity
and effectiveness of the transfer.

4.       Termination Provisions

(1) Except as  provided  in  paragraphs  (2),  and (3) below,  if an  Optionee's
employment by, or relationship  with, the Corporation is terminated  voluntarily
or, by the  Corporation,  whether such termination is for Cause or for no reason
whatsoever,  any Option heretofore granted which remains unexercised at the time
of such termination shall expire immediately, provided, however, that the Option
Committee may, in its sole and absolute  discretion,  within thirty (30) days of
such termination,  waive the expiration of any Option awarded under the Plan, by
giving  written  notice of such waiver to the Optionee at such  Optionee's  last
known address.  In the event of such waiver,  the Optionee may exercise any such
Options only to such extent,  for such time,  and upon such terms and conditions
set  forth  in  subparagraph  (i)  above.  The  determination  as to  whether  a
termination  is  voluntary  or for Cause shall be made by the Option  Committee,
whose decision shall be final and conclusive.

(2) If an Optionee ceases to be employed by or ceases to perform services to the
Corporation  by  reason  of  death  or  Disability,   the  aggregate  amount  of
unexercised  Options granted  hereunder shall thereupon  become fully vested and
immediately  exercisable  and shall expire no later than one (1) year thereafter
unless such Options by their terms expire before such date.  During such one (1)
year period,  the Optionee,  or, in the case of death, the Optionee's  estate or
the person or persons to whom the Option was  transferred by will or the laws of
descent and distribution,  may exercise any such Options,  and if not exercised,
shall expire at the end of such one (1) year period unless such Options by their
terms expire before such date.

(3) If the Optionee  ceases to be employed by, or ceases to provide  services to
the  Corporation  by reason of Retirement,  the aggregate  amount of unexercised
Options granted  hereunder  shall thereupon  become fully vested and immediately
exercisable and shall expire, in the case of an Incentive Stock Option, no later
than  three  (3)  months  following  such  Retirement,  or  in  the  case  of  a
Nonqualifying Stock Option one (1) year following Retirement,  unless, in either
case, the Options by their terms expire prior to such date.

<PAGE>
5.       Exercise, Payment for and Delivery of Stock

                  This Option may be  exercised  by the Optionee or other person
then entitled to exercise it by delivery of a written notice to the Secretary of
the  Corporation  together with this Option  Agreement  specifying the number of
Options  intended to be exercised  and the  exercise  price and  accompanied  by
payment in full of the  exercise  price for the number of Shares with respect to
which the Option is exercised.

                  If the Corporation is required to withhold any federal,  state
or local tax as a result of such exercise,  the notice shall also be accompanied
by a check  payable  to the  Corporation  in payment  of the  applicable  amount
required  to be  withheld,  unless  alternate  arrangements  have been agreed to
between the parties to satisfy any applicable withholding obligations.

                  Payment for Shares may be made in cash,  or with the  approval
of the Option  Committee  (which may be  withheld in its sole  discretion)  with
Shares having a fair market value on the date of exercise  equal to the exercise
price, or a combination of cash and Shares. In addition, subject to the approval
of the Option Committee (which may be withheld in its sole discretion),  payment
may be  effected  wholly  or  partly by  monies  borrowed  from the  Corporation
pursuant to the terms of a promissory  note,  the terms and  conditions of which
shall be determined from time to time by the Option  Committee.  An Optionee may
purchase  less  than the total  numbers  of Shares  for which  Options  are then
exercisable,  provided, however, that any partial exercise shall not be for less
than 100 Shares and shall not include any fractional Shares. No Optionee,  legal
representative  of such  Optionee,  as the case may be,  shall  be,  or shall be
deemed to be,  the owner of any  Shares  covered  by an Option  unless and until
certificates  for the  Shares  are  issued to the  Optionee  or such  Optionee's
representative under the Plan.

6.       Adjustments.

                  In the event  that  there is any  change in the  Shares of the
Corporation    arising    through   merger,    consolidation,    reorganization,
recapitalization,  stock dividend, stock split or combination thereof, the Board
of Directors  shall make such  adjustments  in the  aggregate  number of Options
subject to this Agreement and/or the price per share of such Options in order to
prevent  dilution  or  enlargement  of the  Optionee's  rights  and of the value
represented by the Options.  Upon any adjustment in the number or exercise price
of Shares  subject  to an  Option,  a new Option may be granted in place of such
Option which has been so adjusted.  In the event of a dissolution or liquidation
of the Corporation or a merger, consolidation,  sale of all or substantially all
of the  Corporation's  assets,  or other corporate  reorganization  in which the
Corporation  is not the  surviving  corporation,  or any  merger  in  which  the
Corporation  is the  surviving  corporation  but the  holders of Shares  receive
securities of another corporation, outstanding Options shall terminate, provided
that the holder of each Option  shall,  in such event,  if no provision has been
made for the substitution of a new option for such outstanding  option, have the
right  immediately prior to such event to exercise the holder's Options in whole
or in part without  regard to the date on which the Options  otherwise  would be
first exercisable.

<PAGE>
7.       Compliance with Laws and Regulations.

                  By accepting this Option,  the Optionee  represents and agrees
for himself and his transferees by will or the laws of descent and  distribution
that, unless a registration  statement under Securities Act of 1933 is in effect
as to Shares purchased upon any exercise of this Option,  (a) any and all Shares
so purchased  shall be acquired for his personal  account and not with a view to
or for sale in connection with distribution,  and (b) each notice of exercise of
all or any portion of this Option shall, if the Option Committee so requests, be
accompanied by a  representation  and warranty in writing,  signed by the person
entitled  to  exercise  the same,  that the Shares are being so acquired in good
faith  for his or her  personal  account  and not  with a view to or for sale in
connection with any distribution.

                  No  certificates  for Shares  purchased  upon exercise of this
Option shall be issued and delivered  unless and until,  in the opinion of legal
counsel for the Corporation, such securities may be issued and delivered without
causing the  Corporation to be in violation of or incur any liability  under any
federal, state or other securities law or any other requirement of law or of any
regulatory body having  jurisdiction over the Corporation.  Without limiting the
generality of the foregoing,  the Optionee acknowledges and understands that the
Shares subject to the Options granted  hereunder have not been registered  under
the Securities Act of 1933, as amended, or under the blue sky or securities laws
of any state,  that the Corporation has no obligation to so register any of such
Shares and that,  except to the extent the Shares are so registered,  the Shares
will be restricted securities and may be sold, transferred or otherwise disposed
of only if an exemption from such  registration is available.  Unless the Shares
have been so  registered,  there  shall be noted  conspicuously  upon each stock
certificate representing such Shares, the following statement:

         The  shares  of stock  represented  by this  certificate  have not been
         registered  under the  Securities  Act of 1933 (1933 Act) nor under any
         applicable  state  securities act and may not be offered or sold except
         pursuant to (i) an effective  registration  statement  relating to such
         stock under the 1933 Act and any applicable  state securities act, (ii)
         to the extent  applicable,  Rule 144 under the 1933 Act (or any similar
         rule under such act or acts relating to the disposition of securities),
         or (iii) an opinion of counsel  satisfactory to the Corporation that an
         exemption from registration under Act or Acts is available.

8.       Invalidity; Severability.

                  If any clause or provision of this Agreement shall be adjudged
invalid, the same shall not affect the validity of any other clause or provision
of this  Agreement,  or of any other  document  pertaining to the subject matter
thereof, or constitute by reason thereof,  any claim or cause of action in favor
of Optionee as against the  Corporation.  In addition,  the  provisions  of this
Agreement  shall be read and  construed  and  shall  have  effect  as  separate,
severable and independent  provisions or restrictions,  and shall be enforceable
accordingly.

<PAGE>
9.       Entire Agreement; No Waiver; Remedies.

                  This  Agreement  contains the entire  agreement of the parties
and  incorporates  and supersedes any and all prior or  contemporaneous  oral or
written  agreements with respect to the matters  referred to in it. No waiver of
any breach or default  hereunder shall be considered valid unless in writing and
signed by the party  giving such  waiver,  and no such waiver  shall be deemed a
waiver of any  subsequent  breach or default of the same or similar  nature.  No
failure on the part of any party to  exercise,  and no delay in  exercising  any
right,  remedy,  power or privilege hereunder shall operate as a waiver thereof;
no  waiver  whatever  shall be valid  unless in  writing  signed by the party or
parties to be charged and then only to the extent specifically set forth in such
writing.  All  remedies,  rights,  powers  and  privileges,  either  under  this
Agreement or by law or otherwise  afforded the parties to this Agreement,  shall
be  cumulative  and shall not be exclusive of any remedies,  rights,  powers and
privileges provided by law.

10.      Successors and Assigns.

                  The  rights  and  obligations  of the  Corporation  under this
Agreement shall inure to the benefit of and shall be binding upon the successors
and assigns of the Corporation.

11.      Headings; Counterparts; Governing Law.

                  The  headings  in  this  Agreement  are  for   convenience  of
reference  only and are not  intended  to define or limit  the  contents  of any
section  or  paragraph.   This   Agreement  may  be  executed  in  one  or  more
counterparts,  each of  which  shall be  deemed  an  original,  but all of which
together shall constitute one and the same  instrument.  This Agreement shall in
all  respects be governed by the laws  (without  reference  to conflicts of laws
principles)  of the State of Nevada  applicable to contracts  made and performed
within the State of Nevada.

12.      Execution.

(1) The grant of the Option  hereunder  shall be binding and  effective  only if
this  Agreement is duly executed by or on behalf of the  Corporation  and by the
Optionee, and a signed copy is returned to the Corporation.

(2) The Optionee  acknowledges that no assurances or representations are made by
the  Corporation as to the present or future market value of the Shares or as to
the business, affairs, financial condition or prospects of the Corporation.

13.      Governing Provisions.

                  In the event of any conflict  between the terms and provisions
contained in this Agreement and the terms and provisions  contained in the Plan,
the terms, provisions and conditions set forth in the Plan shall govern.

<PAGE>
14.      Optionee Bound by Plan.

OPTIONEE  ACKNOWLEDGES  RECEIPT OF THE ATTACHED COPY OF THE STRATABASE.COM  2000
STOCK  OPTION  PLAN  AND  AGREES  TO BE BOUND BY ALL THE  TERMS  AND  PROVISIONS
THEREOF.

AGREED AND ACCEPTED:                        STRATABASE.COM

/s/ Fred Coombes                            By:      /s/Trevor  Newton
---------------------------------                    ---------------------------
Optionee                                             Name:   Trevor Newton

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