Document:

THIS NOTE IS SECURED PURSUANT TO AND BY THE TERMS OF A SECURITY AGREEMENT
EXECUTED BY THE BORROWER IN FAVOR OF THE LENDER.

THIS NOTE HAS NOT BEEN AND WILL NOT BE REGISTERED UNDER THE SECURITIES ACT OF
1933, AS AMENDED (THE "SECURITIES ACT"), OR UNDER THE SECURITIES LAWS OF ANY
STATE AND MAY NOT BE SOLD OR TRANSFERRED IN THE ABSENCE OF AN EFFECTIVE
REGISTRATION STATEMENT UNDER THE SECURITIES ACT OR AN OPINION OF COUNSEL
SATISFACTORY TO THE BORROWER TO THE EFFECT THAT AN EXEMPTION FROM REGISTRATION
UNDER THE SECURITIES ACT IS AVAILABLE.

                                 eCLICKMD, INC.

                         SENIOR SECURED PROMISSORY NOTE
                         ------------------------------

$50,000                                                     As of March 31, 2003

         FOR VALUE RECEIVED, the undersigned, eCLICKMD, INC., a Nevada
corporation (the "Borrower"), promises to pay GRYPHON OPPORTUNITIES FUND I, LLC,
a Delaware corporation the sum of Fifty Thousand ($50,000) Dollars (the
"Principal Amount") with interest from the date of advancement on the unpaid
balance hereof from time to time remaining unpaid at a rate equal to five (5%)
percent per annum. This Note was issued pursuant to an Agreement dated as of
March 31, 2003 by and among the Borrower, the Lender and York Avenue Holding
Corp. (the "Agreement"). Notwithstanding any provision to the contrary contained
herein or elsewhere, this Note is subject and entitled to certain terms,
conditions, covenants and agreements contained in the Agreement. Reference to
the Agreement shall in no way impair the absolute and unconditional obligation
of the Borrower to pay both the Principal Amount and interest thereon as
provided herein.

         1.       Principal and Payments. This Note shall mature and the
Principal Amount shall be due and payable immediately upon demand ("Demand") by
the Borrower. The date of the giving by the Borrower of Demand shall be referred
to herein as the "Maturity Date"). All payments hereunder shall be payable to
the Lender. All payments hereunder shall be payable in lawful money of the
United States of America which shall be legal tender for public and private
debts at the time of payments. Each payment by the Borrower pursuant to this
Note shall be made without set-off or deduction and in immediately available
funds. All payments of the Principal Amount and interest under this Note (and
all other amounts payable hereunder) shall be made to Lender on or before the
Maturity Date at the address of Lender hereinbefore set forth or, at Lender's
request, to Lender at such other address as Lender may, from time to time,
designate in writing. If any payment hereunder becomes due on a Saturday, Sunday
or legal holiday, such payment shall become due on the next business day. The
Borrower (i) waives presentment, demand, protest or notice of any kind in
connection with this Note (except as specifically provided elsewhere in this
Note) and (ii) agrees, in the event of an Event of Default (as hereinafter
defined), to pay to the holder of this Note, on demand, all costs and expenses
(including legal fees and expenses) incurred in connection with the enforcement
and collection of this Note.
<PAGE>

         2.       Interest. Subject to prior conversion as set forth in Section
3, the Borrower shall pay interest on the outstanding Principal Amount of this
Note on the Maturity Date. Interest on this Note shall accrue on the outstanding
principal amount from the date of issuance until repayment of the Principal
Amount and payment of all accrued interest in full. Interest shall be computed
on the basis of a 360-day year of twelve 30-day months. In the event this Note
is not repaid on the Maturity Date, the rate of interest applicable to the
unpaid Principal Amount shall be adjusted to thirteen (13%) percent per annum
from the date a default in this Note first occurs until repayment, provided,
that in no event shall the interest rate exceed the highest lawful rate as
provided below. All agreements herein are expressly limited so that in no
contingency or event whatsoever, whether by reason of advancement of the
proceeds hereof, acceleration of maturity of the unpaid principal balance
hereof, or otherwise, shall the amount paid or agreed to be paid to the Lender
for the use, forbearance or detention of the money to be advanced hereunder
exceed the highest lawful rate permissible under applicable usury laws. If, from
any circumstances whatsoever, fulfillment of any provision in this Note at the
time performance of such provision shall be due, shall involve transcending the
limit of validity prescribed by law that a court of competent jurisdiction may
deem applicable hereto, then, ipso facto, the obligation to be fulfilled shall
be reduced to the limit of such validity and if from any circumstance the Lender
shall ever receive as interest an amount that would exceed the highest lawful
rate, such amount that would be excessive interest shall be applied to the
reduction of the unpaid principal balance due hereunder and not to the payment
of interest.

         3.       Events of Default.

                  A.       The term "Event of Default" shall mean any of the
events set forth in this Section 5A:

                           (i)      Non-Payment of Obligations. The Borrower
shall default in the payment of the Principal Amount or accrued interest on this
Note as and when the same shall become due and payable, whether by acceleration
or otherwise.

                           (ii)     Bankruptcy, Insolvency, etc. The Borrower
shall:

                                    (a)      admit in writing its inability to
pay its debts as they become due;

                                    (b)      apply for, consent to, or acquiesce
in, the appointment of a trustee, receiver, sequestrator or other custodian for
the Borrower or any of its property, or make a general assignment for the
benefit of creditors;

                                    (c)      in the absence of such application,
consent or acquiesce in, permit or suffer to exist the appointment of a trustee,
receiver, sequestrator or other custodian for the Borrower or for any part of
its property;

                                    (d)      permit or suffer to exist the
commencement of any bankruptcy, reorganization, debt arrangement or other case
or proceeding under any bankruptcy or insolvency law, or any dissolution,

                                       -2-
<PAGE>

winding up or liquidation proceeding, in respect of the Borrower, and, if such
case or proceeding is not commenced by the Borrower or converted to a voluntary
case, such case or proceeding shall be consented to or acquiesced in by the
Borrower or shall result in the entry of an order for relief; or

                                    (e)      take any corporate or other action
authorizing, or in furtherance of, any of the foregoing.

                           (iii)    Cross-Default. Any (a) default by the Lender
under the Agreement and/or Security Agreement, or (b) indebtedness of the
Borrower, in an aggregate principal amount exceeding $10,000 shall be duly
declared to be or shall become due and payable prior to the stated maturity
thereof.

                           (iv)     Liens and Judgments. The Borrower shall
hereafter create, incur, assume or suffer to exist any mortgage, pledge,
hypothecation, assignment, security interest, encumbrance, lien (statutory or
other), preference, priority or other security agreement or preferential
arrangement of any kind or nature whatsoever (including any conditional sale or
other title retention agreement and any financing lease) (each, a "Lien") upon
any of its property, revenues or assets, whether now owned or hereafter
acquired.

                  B.       Action if Bankruptcy. If any Event of Default
described in clauses (ii)(a) through (d) of Section 3A shall occur, the
outstanding Principal Amount and all other obligations under this Note shall
automatically be and become immediately due and payable, without notice or
demand.

                  C.       Action if Other Event of Default. If any Event of
Default (other than any Event of Default described in clauses (ii)(a) through
(d) of Section 3A shall occur for any reason, whether voluntary or involuntary,
and be continuing, the Lender may, upon notice to the Borrower, declare all or
any portion of the outstanding Principal Amount, together with interest accrued
on this Note, to be due and payable and any or all other obligations hereunder
to be due and payable, whereupon the full unpaid Principal Amount hereof, such
accrued interest and any and all other such obligations which shall be so
declared due and payable shall be and become immediately due and payable,
without further notice, demand, or presentment.

         4.       Security Interest. Payment of this Note is secured by the
Security Agreement. Additional rights of Lender in connection with this Note are
set forth in the Security Agreement.

         5.       Notice of Certain Transactions. In case at any time:

                  A.       The Borrower shall declare any dividend upon, or
other distribution in respect of, any shares of its capital stock; or

                  B.       The Borrower shall offer for subscription to the
holders of any shares of its capital stock any additional shares of stock of any
class or any other securities convertible into shares of stock or any rights to
subscribe thereto; or

                                       -3-
<PAGE>

                  C.       There shall be any capital reorganization or
reclassification of the capital stock of the Borrower, or a sale of all or
substantially all of the assets of the Borrower, or a consolidation or merger of
the Borrower with another corporation (other than a merger with a subsidiary in
which merger the Borrower is the surviving corporation and which does not result
in any reclassification); or

                  D.       There shall be a voluntary or involuntary
dissolution, liquidation or winding-up of the Borrower; or

                  E.       The Borrower shall issue and/or sell any securities
(debt and/or equity or otherwise) of the Borrower;

then, in any one or more of said cases, the Borrower shall cause to be mailed to
the Lender at the earliest practicable time (and, in any event not less than
twenty (20) days before any record date or other date set for definitive
action), written notice of the date of any sale (or offering) of securities, on
which the books of the Borrower shall close or a record shall be taken for such
dividend, distribution or subscription rights or such reorganization,
reclassification, sale, consolidation, merger or dissolution, liquidation or
winding-up shall take place, as the case may be. Such notice shall also set
forth such facts as shall indicate the effect of such action (to the extent such
effect may be known on the date of such notice). Such notice shall also specify
the date as of which the holders of any shares of capital stock of record shall
participate in said dividend, distribution or subscription rights or shall be
entitled to exchange their shares for securities or other property deliverable
upon such reorganization, reclassification, sale, consolidation, merger or
dissolution, liquidation or winding-up, as the case may be.

         6.       Notices. All notices, approvals, requests, demands and other
communications hereunder shall be given in accordance with the notice provision
of the Agreement.

         7.       Waiver and Amendment.

                  A.       Any amendment, supplement or modification of or to
any provision of this Note, any waiver of any provision of this Note and any
consent to any departure by the Borrower from the terms of any provision of this
Note, shall be effective (i) only if it is made or given in writing and signed
by the Borrower and each Lender and (ii) only in the specific instance and for
the specific purpose for which made or given.

                  B.       No failure or delay on the part of the Lender in
exercising any power or right under this Note shall operate as a waiver thereof,
nor shall any single or partial exercise of any such power or right preclude any
other or further exercise thereof or the exercise of any other power or right.
No notice to or demand on the Borrower in any case shall entitle it to any
notice or demand in similar or other circumstances. No waiver or approval by the
Lender shall, except as may be otherwise stated in such waiver or approval, be
applicable to subsequent transactions. No waiver or approval hereunder shall
require any similar or dissimilar waiver or approval thereafter to be granted
hereunder.

                                       -4-
<PAGE>

                  C.       To the extent that the Borrower makes a payment or
payments to the Lender, and such payment or payments or any part thereof are
subsequently for any reason invalidated, set aside and/or required to be repaid
to a trustee, receiver or any other party under any bankruptcy law, state or
federal law, common law or equitable cause, then to the extent of such recovery,
the obligation or part thereof originally intended to be satisfied, and all
rights and remedies therefor, shall be revived and continued in full force and
effect as if such payment had not been made or such enforcement or setoff had
not occurred.

                  D.       After any waiver, amendment or supplement under this
Section 7 becomes effective, the Borrower shall mail to the Holders a copy
thereof.

         8.       Miscellaneous.

                  A.       Parties in Interest; Right of Lender to Assign Note.
All covenants, agreements and undertakings in this Note binding upon the
Borrower or the Lender shall bind and inure to the benefit of the successors and
permitted assigns of the Borrower and the Lender, respectively, whether so
expressed or not. The Lender shall have the right to assign this Note to an
"accredited investor" as defined in the Securities Act and the Borrower shall
take any and all action reasonably requested by the Lender to facilitate the
assignment of this Note and each assignee shall be deemed the "Lender" of the
portion of the Note so assigned. The Borrower may not assign this Note (and/or
its obligations pursuant to this Note).

                  B.       Governing Law, Etc. This Agreement shall be governed
by and construed solely in accordance with the internal laws of the State of New
York with respect to contracts made and to be fully performed therein, without
regard to the conflicts of laws principles thereof. The parties hereto hereby
expressly and irrevocably agree that any suit or proceeding arising under this
Agreement or the consummation of the transactions contemplated hereby, shall be
brought solely in a federal or state court located in the City, County and State
of New York. By its execution hereof, the Borrower hereby expressly and
irrevocably submits to the in personam jurisdiction of the federal and state
courts located in the City, County and State of New York and agrees that any
process in any such action may be served upon it personally, or by certified
mail or registered mail upon the Borrower or such agent, return receipt
requested, with the same full force and effect as if personally served upon the
Borrower in New York City. The parties hereto expressly and irrevocably each
waive any claim that any such jurisdiction is not a convenient forum for any
such suit or proceeding and any defense or lack of in personam jurisdiction with
respect thereto. In the event of any such action or proceeding, the party
prevailing therein shall be entitled to payment from the other party hereto of
its reasonable counsel fees and disbursements.

                  C.       Waiver of Jury Trial. THE LENDER AND THE BORROWER
HEREBY KNOWINGLY, VOLUNTARILY AND INTENTIONALLY WAIVE ANY RIGHTS THEY MAY HAVE
TO A TRIAL BY JURY IN RESPECT OF ANY LITIGATION BASED HEREON, OR ARISING OUT OF,
UNDER, OR IN CONNECTION WITH, THIS NOTE OR ANY OTHER DOCUMENT OR INSTRUMENT
EXECUTED AND DELIVERED IN CONNECTION HEREWITH, OR ANY COURSE OF CONDUCT, COURSE
OF DEALING, STATEMENTS (WHETHER VERBAL OR WRITTEN), OR ACTIONS OF THE LENDER OR

                                       -5-
<PAGE>

THE BORROWER. THIS PROVISION IS A MATERIAL INDUCEMENT FOR THE LENDER'S
PURCHASING THIS NOTE.

         9.       Headings. The headings in this Note are for convenience of
reference only and shall not limit or otherwise affect the meaning hereof.

                                       BORROWER:

                                       eCLICKMD, INC.

                                       By: /s/ NEIL BURLEY
                                           ------------------------------
                                           Name: Neil Burley
                                           Title: Chief Financial Officer

                                       -6-<PAGE>
EXHIBIT 10.4

                         MANAGEMENT SERVICES AGREEMENT

         MANAGEMENT SERVICES AGREEMENT entered into this 12th day of May, 2003
(hereinafter "Effective Date") by and between Win Win, Inc. (Win Win), a Nevada
corporation, and Golden Win Win Cambodia, Inc. (Golden Win Win), a Delaware
corporation.

         WHEREAS, Golden Win Win has a license in The Kingdom of Cambodia
(Cambodia) to operate a lottery; and

         WHEREAS, Win Win is an experienced operator and manager of lotteries
around the world; and

         WHEREAS, Golden Win Win wishes to engage Win Win's management and
operational expertise to operate a lottery in Cambodia;

         NOW, THEREFORE, in consideration of the representations, warranties,
mutual covenants and agreements set forth herein, the parties agree as follows:

1. SCOPE OF SERVICES FOR WIN WIN.
---------------------------------

         a. DUTIES AND PERFORMANCE. Win Win agrees to manage and operate the
lottery in Cambodia, licensed to Golden Win Win by The Kingdom of Cambodia, with
such services to include but not be limited to the printing and shipping of
lottery tickets, all advertising, and the marketing, distribution and sales of
said tickets within Cambodia (hereinafter referred to as the "Initial Start-up
Costs") as well as the collection of all revenues generated by such sales and
subsequent distribution of revenues in accordance with the terms herein. Win Win
will be responsible for any and all direct costs related to the above.

         b. INDEPENDENT CONTRACTOR STATUS. The parties agree that Win Win is an
independent contractor hereunder. Nothing herein or in the performance hereof
shall imply a joint venture or principal and agent relationship between the
parties.

         c. NONPERFORMANCE. Should Win Win fail to provide sufficient management
and operational expertise to generate a profit on the lottery within a twelve
month period, such will be deemed as nonperformance by Win Win, allowing Golden
Win Win to have the option to terminate this agreement and select a new lottery
manager and operator. However, this clause is inapplicable in

<PAGE>

the event that Win Win's nonperformance hereunder is caused in whole or in part
by a failure of Golden Win Win to have performed its obligations herein or as a
result of problems Golden Win Win knew or should have known about but failed to
advise Win Win of same.

2. SCOPE OF SERVICES FOR GOLDEN WIN WIN.
----------------------------------------

         a. DUTIES AND PERFORMANCE. Golden Win Win will provide a valid, legal
license by which to operate a lottery in Cambodia and be responsible for
ensuring Win Win can provide the services herein unfettered and in compliance
with all other aspects of Cambodian law.

         b. INDEPENDENT CONTRACTOR STATUS. The parties agree that Golden Win Win
is an independent contractor hereunder. Nothing herein or in the performance
hereof shall imply a joint venture or principal and agent relationship between
the parties.

2. COMPENSATION
---------------

         a. FOR WIN WIN.

                  (1) PERCENTAGE OF NET PROFITS. In consideration for the
services herein, Win Win will be entitled to receive Fifty-one Percent (51%) of
net profits.

                  (2) INITIAL START-UP COSTS. Win Win will also be entitled to
be fully reimbursed for all its Initial Start-up costs as set forth in Para. 1a
above out of the first revenues generated by the sale of lottery tickets, before
distribution of net profits are made to any other party. In order to ensure both
parties participate in all distributions, it is agreed that these costs will be
reimbursed to Win Win in accordance with the following formula: After the
payment of all monthly operating expenses, the first Ten (10%) of net profits of
every disbursement will be applied to reimburse Win Win for its Initial Start-up
Costs, with the balance to be distributed to the parties according to their
respective ownership percentage as set forth herein. Distributions will be made
in this manner until Win Win has been fully reimbursed for all its Initial
Start-up Costs, at which time distributions will be made strictly in accordance
with each respective parties' ownership percentage after payment of all monthly
operating expenses.

         b. FOR GOLDEN WIN WIN. In consideration for the services herein, Golden
Win Win will be entitled to receive Forty-nine Percent (49%) of net profits,
after the application of Para. 2a(2) above.

3. OPERATIONS ACCOUNT. The parties agree that an operations account for the
lottery will be established at a bank in Phnom Penh with the

<PAGE>

account to be registered under the name of LUCKY WIN WIN CAMBODIA, INC. (LUCKY
WIN WIN). It is agreed that this the sole purpose and use of the corporate name
of LUCKY WIN WIN is to provide a vehicle by which funds collected from the sale
of lottery tickets can be deposited and subsequently disbursed by WIN WIN. It is
agreed too that the aforementioned lottery license will remain under the control
of GOLDEN WIN WIN and will not be transferred to LUCKY WIN WIN. Disbursements
from this operational account will only be effected by WIN WIN after providing
GOLDEN WIN WIN with a full accounting of income and expenses prior to said
distribution.

4. TERM AND TERMINATION. The term of this Agreement shall become effective
immediately upon execution by both parties, i.e. the Effective Date, and shall
continue in force for a term of one (1) year thereafter. It will be
automatically renewed for an additional one year term each year upon the
anniversary of the Effective Date unless a party provides written notice thirty
days before said annual anniversary otherwise.

5. MISCELLANEOUS.

         a. NOTICE. All notices and other communications hereunder shall be in
writing and delivered by certified mail, return receipt requested, Federal
Express or any other generally recognized overnight delivery service, or by
hand, to the appropriate party at the address stated above for such party or to
such other address as a party indicates in a notice to the other party delivered
in accordance with this Section. All notices shall be effective upon receipt by
the recipient.

         b. SEVERABILITY. Should one or more provisions of this Agreement be
held enforceable, for whatever cause, the validity of the remainder of this
Agreement shall remain unaffected. The parties shall; in such event, attempt in
good faith to agree on new provisions which best correspond to the object of
this Agreement. In the event the parties cannot agree to the appropriate new
provision(s), either party may ask the court and upon such request, the court
shall specify new provisions which best correspond to the object of this
Agreement.

         c. ENTIRE AGREEMENT. The parties have entered into the present
Agreement after negotiations and discussions, an examination of its text, and an
opportunity to consult counsel; the parties shall be considered to have had
equal roles in preparing this Agreement. This Agreement constitutes the entire
understanding between the parties regarding to specific subject matter covered
herein. Neither party shall be bound by any statements or representations made
by either party not embodied in this Agreement. No provisions herein contained
shall be waived, modified or altered, except by an instrument in writing, duly
executed by the parties hereto.

<PAGE>

         d. GOVERNING LAW. This Agreement and the rights and liabilities of the
parties hereunder shall be governed by and determined in accordance with the
laws of the United States, and specifically of the State of Nevada, without
giving effect to any choice of law or conflict of law provision or rule whether
such provision or rule is that of the State of Nevada or any other jurisdiction.
Each of the parties irrevocably consents to the exclusive personal jurisdiction
of the State of Nevada courts situated in Clark County or the applicable United
States District Court in connection with any actions, suit or proceeding
relating to or arising out of this Agreement. Each of the parties hereto, to the
maximum extent permitted by law, hereby waives any objection that such party may
now have or hereafter have to the jurisdiction of such courts on the basis of
inconvenient forum or otherwise. Notwithstanding the foregoing, any action for
injunctive relief may be brought in any court having proper jurisdiction. The
prevailing party in any action shall be entitled to reimbursement of expenses
and costs including reasonable attorneys' fees.

         e. NO IMPLIED WAIVERS. No delay or omission by either party to exercise
its rights and remedies in connection with the breach or default of the other
shall operate as or be construed as a waiver of such rights or remedies as to
any subsequent breach.

         f. COUNTERPARTS. This Agreement may be executed in any number of
counterparts, but all counterparts hereof shall together constitute but one
agreement. In proving this Agreement, it shall not be necessary to produce or
account for more than one counterpart signed by both of the parties. A facsimile
signature shall be acceptable as a valid original signature.

         g. ASSIGNMENT. Neither party will have the right to assign, pledge or
transfer all or any part of this Agreement without the prior written consent of
the other, and any such purported assignment, pledge or transfer by a party
without such prior written consent shall be void.

         h. CAPACITY. Each party represents one to the other that it is under no
incapacity to enter into or perform this Agreement and that each person signing
this Agreement on its behalf has the authority to do so, and each shall never
otherwise assert.

         i. CAPTIONS. The captions appearing in this Agreement are inserted only
as a matter of convenience and for reference and in no way define, limit or
describe the scope and intent of this Agreement or any of the provisions hereof.

         IN WITNESS WHEREOF, the parties hereto have caused this Agreement to
be duly executed as of the Effective Date.

<PAGE>

Win Win, Inc.

By: /s/ Patrick Rogers
    -------------------------------
Title: President

Golden Win Win, Inc.

By: /s/ signature
    -------------------------------
Title: President

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