Document:

<PAGE>

                                  EXHIBIT 10.10

                              DATED 2 FEBRUARY 2000
                              ---------------------

                      GLOBAL INFORMATION GROUP U.S.A., INC.

                                   as Borrower

                                       and

                           NEWICK DEVELOPMENTS LIMITED

                                    as Lender

                ------------------------------------------------

                              SECOND LOAN AGREEMENT

                ------------------------------------------------

                            abcdef (Greek characters)
                        2 Serjeants' Inn, London EC4Y 1LT
                      Tel: 0171 583 5353 Fax: 0171 353 3683

<PAGE>

THIS SECOND LOAN AGREEMENT is made on 2 February 2000

BETWEEN:

(1)      GLOBAL INFORMATION GROUP U.S.A., INC. (registered  number [      ])
         having its registered office at One Rockefeller Plaza, Suite 1420, New
         York, NY 10020, USA (the "Borrower"); and

(2)      NEWICK DEVELOPMENTS LIMITED (the "Lender"), having its place of
         business at Waterfront Drive, Atlantic Tower, Road Town, Tortola,
         British Virgin Islands.

         BACKGROUND

I.       The Borrower (1) Chatelin Capital Partners Limited ("CCP") (2) Jolec
         Trading Limited (3) Anthony Mohr (4) Koenig Invest AG ("Koenig") (5)
         and the Lender (6) have entered into a share purchase and shareholders
         agreement ("Agreement") (appended as Schedule 1) dated 14 January 2000
         relating to the Borrower.

J.       This agreement is the Second Loan Agreement referred to in clause 12.2
         of, and the sixth schedule to, the Agreement.

K.       Capitalised expressions not defined in this Second Loan Agreement shall
         have the meanings given to them in clause 1.1 of the Agreement.

L.       The Lender has agreed to offer the Borrower a loan facility in the
         maximum aggregate amount of US$400,000 ("Second Loan Facility") on the
         following terms and conditions.

IT IS AGREED as follows:

1.       Amount

A maximum aggregate amount of US$400,000.

2.       Purpose

The entire proceeds of the Loan Facility shall be applied by the Borrower in
accordance with clause 10.4.2 of the Agreement.

3.       Conditions Precedent

Before a Loan may be drawn down under this Second Loan Agreement, the Borrower
shall deliver to the Lender in form and substance satisfactory to the Lender (i)
a certified copy of a resolution of its Board of Directors approving the
transactions contemplated by this letter and authorising a specified person or
persons to execute this letter and (ii) a copy of this Second Loan Agreement
duly executed by the Borrower.

4.       Drawdown

The Second Loan Facility shall be drawn down in no more than four equal tranches
(each a "Loan") if in the reasonable opinion of the board of directors of the
Borrower, the cash flow statements of the Borrower show a need for this at any
time before the Repayment Date (as defined in this Second Loan Agreement), after
which date any unutilised amount of the Second Loan Facility shall automatically
be cancelled.

The Lender will not be obliged to make available a Loan hereunder if, on the
Drawdown Date, any of the representations in paragraph 12 of this Second Loan
Agreement or clause 7 of the Agreement shall not then be true and correct in all
respects or any of the events specified in paragraph 13 of this Second Loan
Agreement shall have occurred and shall then be continuing.

<PAGE>

5.       COVENANTS

5.1           The Borrower shall provide the Lender with cash flow statements in
              a form acceptable to the Lender on a monthly basis and further
              provide us with information in accordance with clause 11.1 of the
              Agreement.

5.2           If at any time the Borrower, any of its subsidiaries or any
              company controlled by it purchases all or any of the source codes
              relating to the bespoke computer software used in the Borrower's
              business in accordance with clause 12.4 of the Agreement then the
              Borrower shall use it best endeavours to deliver within a
              reasonable time and in any event within 30 days of the completion
              of such purchase an executed escrow agreement (negotiated in good
              faith and in accordance with the principals appended as Schedule
              2) over all source codes relating to the bespoke computer software
              used in the Borrower's business in favour of the Lender and
              Koenig.

5.3           If required by the Lender and Koenig, and if the purchase as
              referred to in 5.2 by Borrower of the bespoke computer software
              has not been realised, the Lender, Koenig and, the Borrower shall
              - if Lender or Koenig so requests - negotiate in good faith to
              provide the Lender and Koenig with an alternative form of security
              other than that required under Clause 5.2 of this First Loan
              Agreement over any and all source codes or other intellectual
              property relating to the bespoke computer software used in the
              Borrower's business (other than any which is held in escrow under
              Clause 5.2 of this First Loan Agreement). If such alternative
              security is agreed, the Borrower undertakes to execute all
              documentation required by the Lender and Koenig to perfect and
              protect such security.

6.       Repayment

         The Loans shall be repaid in full on the sooner to occur of (i) an IPO
or Third Party Sale (each as defined in the Agreement), (ii) that date falling 5
years after the date of Completion, and (iii) any or all of the equity share
capital of the Borrower or its parent undertaking being admitted or readmitted
to an internationally Recognised Stock Exchange. The relevant date shall be
referred to in this First Loan Agreement as the Repayment Date.

7.        Prepayment

On giving the Lender not less than 15 days' notice, the Borrower may prepay all
or any part of the Loan (but if in part in an amount of US$50,000 or an integral
multiple thereof, if more). The Borrower may not re-borrow any prepayment.
Prepayments shall be made together with all unpaid interest on the amount
prepaid.

8.       Interest Periods

The first Interest Period shall commence on the date of disbursement of the
Second Loan Facility and end on that date following 18 months thereafter. Each
subsequent Interest Period shall be a period of 3 months commencing on the date
following the expiry of the preceding Interest Period.

If an Interest Period would end on a day which is not a business day, such
Interest Period shall be extended to the next business day.

The first Interest Period of each Loan, other than the first Loan, shall end on
the last day of the then current Interest Period relating to the first Loan.
Thereafter, all Interest Periods relating to such Loans shall be co-terminous
and such Loans shall be treated as one Loan.

If an Interest Period would otherwise overrun the Repayment Date, such Interest
Period shall be shortened so that such Interest Period ends on the Repayment
Date.

<PAGE>

9.       Interest

Interest on the Loan will be payable at the rate of 6.5 per cent. per annum.
Interest shall be calculated on a basis of the actual number of days elapsed and
a year of 360 days. Interest shall be payable in arrears on the last day of an
Interest Period ("Interest Payment Date").

10.      Additional Interest

If the Borrower fails to pay any sum due hereunder on its due date, the Borrower
shall pay interest on such sum from the date of such failure to the date of
actual payment (as well after as before judgment) at the rate of 2.5 per cent.
per annum.

11.      Payments

All payments (whether capital, interest or otherwise) to be made by the Borrower
under this First Loan Agreement shall be made without set-off or counterclaim
and free and clear of any deduction in respect of any present or future taxes of
any nature now or hereafter imposed ("Taxes") unless such deduction is required
to be made by law, in which event any affected payment shall be increased to
ensure that the Lender receives a net amount equal to the full amount due had
such payment not been subject to such deduction. The Borrower shall deliver, on
being so requested by the Lender, evidence satisfactory to it that such Taxes
have been paid.

Whenever any payment shall become due on a day which is not a business day, the
due date thereof shall be extended to the next business day and interest shall
be calculated accordingly.

All payments to be made by the Borrower under this First Loan Agreement shall be
made on the due date for value in immediately available funds to the Lender as
it may, from time to time, instruct the Borrower.

12.      Representations

In addition to the representations, warranties, indemnities and undertakings
given by the Borrower under the Agreement, the Borrower represents and warrants
to the Lender that:-

12.1          it has the power to own its property and assets and carry on its
              business as it is now being conducted;

12.2          it has the power to enter into and perform this First Loan
              Agreement and the transactions contemplated by this First Loan
              Agreement and it has taken all necessary action to authorise the
              entry into and performance of this First Loan Agreement and the
              transactions contemplated by this First Loan Agreement;

12.3          this First Loan Agreement constitutes the Borrower's legal, valid
              and binding obligations enforceable in accordance with its terms;

12.4          the entry into and performance of this First Loan Agreement and
              the transactions contemplated by this First Loan Agreement do not
              and will not conflict with (i) any law or regulation or any
              official or judicial order, or (ii) the Borrower's certificate of
              incorporation and bylaws;

12.5          to the best of Borrower's knowledge, full disclosure has been made
              to us before the date of this First Loan Agreement of all material
              facts or circumstances which need to be disclosed to enable us to
              obtain a true and correct view of the Borrower's business,
              undertaking, assets, liabilities, revenues and affairs (in each
              case, both current and prospective) or which ought to be disclosed
              to any person proposing to provide finance to the Borrower.

<PAGE>

13.      Events of Default

All sums due hereunder shall become immediately due and payable on demand and
all the Lender's obligations hereunder shall cease if any of the following
events occurs:

13.1          any sum payable by the Borrower under this First Loan Agreement
              is not paid within 30 days after due date; or

13.2          the Borrower fails to comply with any other provisions of this
              First Loan Agreement; or

13.3          any representation made in this First Loan Agreement or the
              Agreement is incorrect in any respect or, if repeated at any time
              with reference to the facts and circumstances then existing, would
              be so incorrect; or

13.4          the Borrower becomes insolvent, or it suspends making payments
              (whether of principal or interest) with respect to all or any
              class of its debts or announces an intention to do so; or

13.5          any administrative or other receiver or any manager relating to
              the Borrower or any of its property is appointed or any other
              steps are taken to enforce any charge or other security over any
              of its property, or any steps are taken with a view to putting in
              force any kind of attachment, sequestration, distress or execution
              against the Borrower or any of its property; or

13.6          the Borrower is wound up, dissolved or liquidated ; or

13.7          any event occurs or proceedings taken in relation to the Borrower
              in any jurisdiction which has a similar, equivalent or analogous
              effect to any of the events detailed in paragraphs 13.4 to 13.6 of
              this First Loan Agreement inclusive; or

13.8          the Borrower ceases, or threatens to cease, to carry on all or a
              substantial part of its business; or

13.9          any of the property subject to any security in favour of the
              Lender is subject to a compulsory purchase order or any order
              analogous to such an order; or

14.      Fees and Costs

The Borrower shall, on the date on which the first Loan Facility is advanced,
pay to CCP an arrangement fee of US$ 10,000 pro rata as with the disbursements
of the Loan Facility.

The Borrower shall, on being so requested by the Lender, pay all reasonable
costs and fees incurred by the Lender in connection with the preservation of its
rights under, or the enforcement of, this First Loan Agreement or any security
document in favour of the Lender.

15.      General Indemnity

The Borrower shall, on being so requested by the Lender, indemnify the Lender
against any loss or expense which the Lender may sustain or incur as a
consequence of the occurrence of any of the events referred to in paragraph 13
of this First Loan Agreement.

16.      Law and Jurisdiction

The terms of clause 22 of the Agreement shall be incorporated into this First
Loan Agreement.

17.      Notices

The terms of clause 20 of the Agreement shall be incorporated into this First
Loan Agreement.

<PAGE>

IN WITNESS whereof the parties have executed this First Loan Agreement the day
and year first above written.

THE LENDER:
GLOBAL INFORMATION GROUP U.S.A., INC.
By /s/Anthony E. Mohr, President

THE BORROWER:
NEWICK DEVELOPMENTS LIMITED
/s/Intertrust (Curacao) N.V.
By:  Gregory Elias, Managing Director

<PAGE>

                                    SCHEDULE

                                1. THE AGREEMENT

                       2. THE ESCROW AGREEMENT PRINCIPLES<PAGE>

EXHIBIT 10.11

                              DATED 2 FEBRUARY 2000
                              ---------------------

                      GLOBAL INFORMATION GROUP U.S.A., INC.

                                   as Borrower

                                       and

                                KOENIG INVEST AG

                                    as Lender

                ------------------------------------------------

                              SECOND LOAN AGREEMENT
                ------------------------------------------------

                            abcdef (Greek characters)
                        2 Serjeants' Inn, London EC4Y 1LT
                      Tel: 0171 583 5353 Fax: 0171 353 3683

<PAGE>

THIS SECOND LOAN AGREEMENT is made on 2 February 2000

BETWEEN:

(1)      GLOBAL INFORMATION GROUP U.S.A., INC. (registered number [          ])
         having its registered office at One Rockefeller Plaza, Suite 1420, New
         York, NY 10020, USA  (the "Borrower"); and

(2)      KOENIG  INVEST AG (the  "Lender"), having its principal place of
         business at c/o EMB Boratung und Service AG, Zeughausgasse 7a, CH-6301,
         Zug, Switserland.

         BACKGROUND

M.       The Borrower (1) Chatelin Capital Partners Limited ("CCP") (2) Jolec
         Trading Limited (3) Anthony Mohr (4) Newick Developments Limited
         ("Newick") (5) and the Lender (6) have entered into a share purchase
         and shareholders agreement ("Agreement") (appended as Schedule 1) dated
         14 January 2000 relating to the Borrower.

N.       This agreement is the Second Loan Agreement referred to in clause 12.2
         of, and the sixth schedule to, the Agreement.

O.       Capitalised expressions not defined in this Second Loan Agreement shall
         have the meanings given to them in clause 1.1 of the Agreement.

P.       The Lender has agreed to offer the Borrower a loan facility in the
         maximum aggregate amount of US$800,000 ("Second Loan Facility") on the
         following terms and conditions.

IT IS AGREED as follows:

1.       Amount

         A maximum aggregate amount of US$800,000.

2.       Purpose

         The entire proceeds of the Loan Facility shall be applied by the
         Borrower in accordance with clause 10.4.2 of the Agreement.

3.       Conditions Precedent

         Before a Loan may be drawn down under this Second Loan Agreement, the
         Borrower shall deliver to the Lender in form and substance satisfactory
         to the Lender (i) a certified copy of a resolution of its Board of
         Directors approving the transactions contemplated by this letter and
         authorising a specified person or persons to execute this letter and
         (ii) a copy of this Second Loan Agreement duly executed by the
         Borrower.

4.       Drawdown

         The Second Loan Facility shall be drawn down in no more than four equal
         tranches (each a "Loan") if in the reasonable opinion of the board of
         directors of the Borrower, the cash flow statements of the Borrower
         show a need for this at any time before the Repayment Date (as defined
         in this Second Loan Agreement), after which date any unutilised amount
         of the Second Loan Facility shall automatically be cancelled.

<PAGE>

         The Lender will not be obliged to make available a Loan hereunder if,
         on the Drawdown Date, any of the representations in paragraph 12 of
         this Second Loan Agreement or clause 7 of the Agreement shall not then
         be true and correct in all respects or any of the events specified in
         paragraph 13 of this Second Loan Agreement shall have occurred and
         shall then be continuing.

5.       COVENANTS

5.1      The Borrower shall provide the Lender with cash flow statements in a
         form acceptable to the Lender on a monthly basis and further provide us
         with information in accordance with clause 11.1 of the Agreement.

5.3      If at any time the Borrower, any of its subsidiaries or any company
         controlled by it purchases all or any of the source codes relating to
         the bespoke computer software used in the Borrower's business in
         accordance with clause 12.4 of the Agreement then the Borrower shall
         use it best endeavours to deliver within a reasonable time and in any
         event within 30 days of the completion of such purchase an executed
         escrow agreement (negotiated in good faith and in accordance with the
         principals appended as Schedule 2) over all source codes relating to
         the bespoke computer software used in the Borrower's business in favour
         of the Lender and Newick.

5.4      If required by the Lender and Koenig, and if the purchase as referred
         to in 5.2 by Borrower of the bespoke computer software has not been
         realised, the Lender, Koenig and, the Borrower shall - if Lender or
         Koenig so requests - negotiate in good faith to provide the Lender and
         Koenig with an alternative form of security other than that required
         under Clause 5.2 of this First Loan Agreement over any and all source
         codes or other intellectual property relating to the bespoke computer
         software used in the Borrower's business (other than any which is held
         in escrow under Clause 5.2 of this First Loan Agreement). If such
         alternative security is agreed, the Borrower undertakes to execute all
         documentation required by the Lender and Koenig to perfect and protect
         such security.

6.       Repayment

         The Loans shall be repaid in full on the sooner to occur of (i) an IPO
         or Third Party Sale (each as defined in the Agreement), (ii) that date
         falling 5 years after the date of Completion, and (iii) any or all of
         the equity share capital of the Borrower or its parent undertaking
         being admitted or readmitted to an internationally Recognised Stock
         Exchange. The relevant date shall be referred to in this Second Loan
         Agreement as the Repayment Date.

7.       Prepayment

         On giving the Lender not less than 15 days' notice, the Borrower may
         prepay all or any part of the Loan (but if in part in an amount of
         US$50,000 or an integral multiple thereof, if more). The Borrower may
         not re-borrow any prepayment. Prepayments shall be made together with
         all unpaid interest on the amount prepaid.

8.       Interest Periods

         The first Interest Period shall commence on the date of disbursement of
         the Second loan Facility and end on that date following 18 months
         thereafter. Each subsequent Interest Period shall be a period of 3
         months commencing on the date following the expiry of the preceding
         Interest Period.

         If an Interest Period would end on a day which is not a business day,
         such Interest Period shall be extended to the next business day.

         The first Interest Period of each Loan, other than the first Loan,
         shall end on the last day of the then current Interest Period relating
         to the first Loan. Thereafter, all Interest Periods relating to such
         Loans shall be co-terminous and such Loans shall be treated as one
         Loan.

<PAGE>

         If an Interest Period would otherwise overrun the Repayment Date, such
         Interest Period shall be shortened so that such Interest Period ends on
         the Repayment Date.

9.       Interest

         Interest on the Loan will be payable at the rate of 6.5 per cent. per
         annum. Interest shall be calculated on a basis of the actual number of
         days elapsed and a year of 360 days. Interest shall be payable in
         arrears on the last day of an Interest Period ("Interest Payment
         Date").

10.      Additional Interest

         If the Borrower fails to pay any sum due hereunder on its due date, the
         Borrower shall pay interest on such sum from the date of such failure
         to the date of actual payment (as well after as before judgment) at the
         rate of 2.5 per cent. per annum.

11.      Payments

         All payments (whether capital, interest or otherwise) to be made by the
         Borrower under this Second Loan Agreement shall be made without set-off
         or counterclaim and free and clear of any deduction in respect of any
         present or future taxes of any nature now or hereafter imposed
         ("Taxes") unless such deduction is required to be made by law, in which
         event any affected payment shall be increased to ensure that the Lender
         receives a net amount equal to the full amount due had such payment not
         been subject to such deduction. The Borrower shall deliver, on being so
         requested by the Lender, evidence satisfactory to it that such Taxes
         have been paid.

         Whenever any payment shall become due on a day which is not a business
         day, the due date thereof shall be extended to the next business day
         and interest shall be calculated accordingly.

         All payments to be made by the Borrower under this Second Loan
         Agreement shall be made on the due date for value in immediately
         available funds to the Lender as it may, from time to time, instruct
         the Borrower.

12.      Representations

         In addition to the representations, warranties, indemnities and
         undertakings given by the Borrower under the Agreement, the Borrower
         represents and warrants to the Lender that:-

12.1     it has the power to own its property and assets and carry on its
         business as it is now being conducted;

12.2     it has the power to enter into and perform this First Loan Agreement
         and the transactions contemplated by this First Loan Agreement and it
         has taken all necessary action to authorise the entry into and
         performance of this First Loan Agreement and the transactions
         contemplated by this First Loan Agreement;

12.3     this First Loan Agreement constitutes the Borrower's legal, valid and
         binding obligations enforceable in accordance with its terms;

12.4     the entry into and performance of this First Loan Agreement and the
         transactions contemplated by this First Loan Agreement do not and will
         not conflict with (i) any law or regulation or any official or judicial
         order, or (ii) the Borrower's certificate of incorporation and bylaws;

<PAGE>

12.5     to the best of Borrower's knowledge, full disclosure has been made to
         us before the date of this First Loan Agreement of all material facts
         or circumstances which need to be disclosed to enable us to obtain a
         true and correct view of the Borrower's business, undertaking, assets,
         liabilities, revenues and affairs (in each case, both current and
         prospective) or which ought to be disclosed to any person proposing to
         provide finance to the Borrower.

13.      Events of Default

         All sums due hereunder shall become immediately due and payable on
         demand and all the Lender's obligations hereunder shall cease if any of
         the following events occurs:

13.1     any sum payable by the Borrower under this First Loan Agreement is not
         paid within 30 days after due date; or

13.2     the Borrower fails to comply with any other provisions of this First
         Loan Agreement; or

13.3     any representation made in this First Loan Agreement or the Agreement
         is incorrect in any respect or, if repeated at any time with reference
         to the facts and circumstances then existing, would be so incorrect; or

13.4     the Borrower becomes insolvent, or it suspends making payments (whether
         of principal or interest) with respect to all or any class of its debts
         or announces an intention to do so; or

13.4     any administrative or other receiver or any manager relating to the
         Borrower or any of its property is appointed or any other steps are
         taken to enforce any charge or other security over any of its property,
         or any steps are taken with a view to putting in force any kind of
         attachment, sequestration, distress or execution against the Borrower
         or any of its property.

13.6     the Borrower is wound up, dissolved or liquidated ; or

13.7     any event occurs or proceedings taken in relation to the Borrower in
         any jurisdiction which has a similar, equivalent or analogous effect to
         any of the events detailed in paragraphs 13.4 to 13.6 of this First
         Loan Agreement inclusive; or

13.8     the Borrower ceases, or threatens to cease, to carry on all or a
         substantial part of its business; or

13.9     any of the property subject to any security in favour of the Lender is
         subject to a compulsory purchase order or any order analogous to such
         an order.

14.      Fees and Costs

         The Borrower shall, on the date on which the first Loan Facility is
         advanced, pay to CCP an arrangement fee of US$ 20,000 , pro rata as
         with the disbursements of the Loan Facility.

         The Borrower shall, on being so requested by the Lender, pay all
         reasonable costs and fees incurred by the Lender in connection with the
         preservation of its rights under, or the enforcement of, this First
         Loan Agreement or any security document in favour of the Lender.

15.      General Indemnity

         The Borrower shall, on being so requested by the Lender, indemnify the
         Lender against any loss or expense which the Lender may sustain or
         incur as a consequence of the occurrence of any of the events referred
         to in paragraph 13 of this First Loan Agreement.

<PAGE>

16.      law and jurisdiction

         The terms of clause 22 of the Agreement shall be incorporated into this
         First Loan Agreement.

17.      Notices

         The terms of clause 20 of the Agreement shall be incorporated into this
         First Loan Agreement.

IN WITNESS whereof the parties have executed this First Loan Agreement the day
and year first above written.

THE LENDER:
GLOBAL INFORMATION GROUP U.S.A., INC.
By /s/Anthony E. Mohr, President
   ----------------------------------

THE BORROWER:
KOENIG INVEST AG
By /s/Benno P. Hafner, Director
   ----------------------------------

<PAGE>

                                    SCHEDULE

                                1. THE AGREEMENT

                       2. THE ESCROW AGREEMENT PRINCIPLES

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