Exhibits.
---------

10.1 Amended and Restated Purchase Agreement by and between EMB Corporation and
E-Net Financial Corporation dated April 12, 2000.

                     AMENDED AND RESTATED PURCHASE AGREEMENT

     THIS AMENDED AND RESTATED PURCHASE AGREEMENT (the "Agreement") is made and
entered into as of the 12th of April, 2000, by and between the following:

          e-NET FINANCIAL.COM CORPORATION, a Nevada corporation (hereinafter
     "E-NET")

          and EMB CORPORATION, a Hawaii corporation (hereinafter "EMB").


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

     WHEREAS, in January of 2000, the parties hereto previously entered into a
Purchase Agreement, which agreement the parties hereto desire to amend and
restate in full;

     WHEREAS, subject to the terms and conditions of this Agreement, E-NET and
EMB desire for E-NET to purchase from EMB and for EMB to sell to E-NET certain
assets owned by EMB, including all the capital stock of various subsidiaries of
EMB, as more particularly described in Paragraph 2.1 of this Agreement
(hereinafter referred to as the "EMB Assets"), together with certain liabilities
of EMB which are associated with the EMB Assets; and

     WHEREAS, the Board of Directors of E-NET deems it desirable and in the best
interests of E-NET and its stockholders that E-NET purchase the EMB Assets in
consideration of the issuance by E-NET to EMB of Seven Million Five Hundred
Thousand (7,500,000) shares of E-NET common stock and cash and a short-term
promissory note in the aggregate amount of Four Million Dollars ($4,000,000);
and

     WHEREAS, the Board of Directors of EMB deems it desirable and in the best
interests of EMB and its stockholders that EMB sell the EMB Assets, which
constitute a minority portion of its assets, as determined by the fair market
value of all of its assets; and

     WHEREAS, the Board of Directors of E-NET and EMB may approve and adopt this
Agreement as a plan of reorganization within the meaning, and subject to the
provisions, of Section 368 and other applicable provisions of the Internal
Revenue Code of 1986, as amended; and

     WHEREAS, E-NET and EMB desire to provide for certain undertakings,
conditions, representations, warranties, and covenants in connection with the
transactions contemplated by this Agreement; and

     WHEREAS, the respective Boards of Directors of E-NET and EMB have approved
and adopted this Agreement, subject to the terms and conditions set forth
herein;

     NOW, THEREFORE, in consideration of the premises and the mutual covenants
and agreements herein contained, the parties hereto do hereby agree as follows:

                                   SECTION 1

                                   DEFINITIONS
                                   -----------

     1.1 "Agreement," "E-NET" and "EMB", respectively, shall have the meanings
defined on the cover page and in the foregoing preamble and recitals to this
Agreement.

     1.2 "Closing Date" shall mean 2:00 p.m., local time, April 12, 2000, at
3200 Bristol Street, 8th Floor, Costa Mesa, California 92626, the date on which
the parties hereto shall close the transactions contemplated herein; provided
that the parties can change the Closing Date and place of Closing to such other
time and place as the parties shall mutually agree, in writing. As of the
Closing Date all Exhibits to this Agreement shall be complete and attached to
this Agreement.

<PAGE>

                                    SECTION 2

                  AGREEMENT FOR PURCHASE AND SALE OF EMB ASSETS
                  ---------------------------------------------

     2.1 Substantive Terms of the Purchase and Sale of EMB Assets.

          (a) EMB shall sell and deliver to E-NET one hundred percent (100%) of
     the issued and outstanding common stock of its wholly-owned, operating
     subsidiaries: AMERICAN RESIDENTIAL FUNDING, INC., a Nevada corporation
     (hereinafter "AMRES"), and BRAVO REAL ESTATE, INC., a California
     corporation (hereinafter "BRAVO") in a form enabling E-NET then and there
     to become the record and beneficial owner of said common stock, as follows:
     with respect to AMRES, Four Thousand Thirty-Eight (4,038) shares; with
     respect to BRAVO, Ten Thousand (10,000) shares.

          (b) EMB has assigned to E-NET all of its rights pursuant to that
     certain Letter of Intent dated June 9, 1999 by and between EMB and Titus
     R.E. LLC (hereinafter "TITUS") concerning the acquisition of TITUS.

          (c) E-NET shall assume certain obligations and liabilities of EMB
     which are associated with the operations of the various subsidiaries being
     sold by EMB to E-NET as more fully described in the books and records of
     EMB and as set forth in Exhibit 4.9 hereto.

     2.2 Issuance of E-NET Common Stock. E-NET shall sell and deliver to EMB (a)
seven million five hundred thousand (7,500,000) shares of E-NET common stock.
Said stock shall be registered with the Securities and Exchange Commission
pursuant to the registration requirements of the Securities Act of 1933, as
amended, and such shall meet the registration requirements promulgated by the
various states in as set forth in the Blue Sky laws of such states, all as set
forth in Section 3.9, below; and (b) cash and a short-term promissory note in
the aggregate amount of Four Million Dollars ($4,000,000).


                                    SECTION 3

                     REPRESENTATIONS AND WARRANTIES OF E-NET
                     ---------------------------------------

     E-NET, in order to induce EMB to execute this Agreement and to consummate
the transactions contemplated herein, represents and warrants to EMB as follows:

     3.1 Organization and Qualification. E-NET is a corporation duly organized,
validly existing, and in good standing under the laws of Nevada, with all
requisite power and authority to own its property and to carry on its business
as it is now being conducted. E-NET is duly qualified as a foreign corporation
and in good standing in each jurisdiction where the ownership, lease, or
operation of property or the conduct of business requires such qualification,
except where the failure to be in good standing or so qualified would not have a
material, adverse effect on the financial condition or business of E-NET.

     3.2 Ownership of E-NET. E-NET is authorized to issue two classes of stock
of up to 20,000,000 common shares, $.001 par value per share, and of up to
1,000,000 preferred shares, no par value per share.

     3.3 Authorization and Validity. E-NET has the requisite power and is duly
authorized to execute and deliver and to carry out the terms of this Agreement.
The board of directors and stockholders of E-NET have taken all action required
by law, its Articles of Incorporation and Bylaws, or otherwise to authorize the
execution and delivery of this Agreement and the consummation of the
transactions contemplated hereby, subject to the satisfaction or waiver of the
conditions precedent set forth in Section 8 of this Agreement. Assuming this
Agreement has been approved by all action necessary on the part of EMB, this
Agreement is a valid and binding agreement of E-NET.

<PAGE>

     3.4 No Defaults. E-NET is not in default under or in violation of any
provision of its Articles of Incorporation or Bylaws. E-NET is not in default
under or in violation of any material provision of any indenture, mortgage, deed
of trust, lease, loan agreement, or other agreement or instrument to which it is
a party or by which it is bound or to which any of its is subject, if such
default would have a material, adverse effect on the financial condition or
business of E-NET. E-NET is not in violation of any statute, law, ordinance,
order, judgment, rule, regulation, permit, franchise, or other approval or
authorization of any court or governmental agency or body having jurisdiction
over it or any of its properties which, if enforced, would have a material,
adverse effect on the financial condition or business of E-NET. Neither the
execution and delivery of this Agreement, nor the consummation of the
transactions contemplated herein, will conflict with or result in a breach of or
constitute a default under any of the foregoing or result in the creation of any
lien, mortgage, pledge, charge, or encumbrance upon any asset of E-NET and no
consents or waivers thereunder are required to be obtained in connection
therewith in order to consummate the transactions contemplated by this
Agreement.

     3.5 Proprietary Rights. E-NET owns or is duly licensed to use such
trademarks and copyrights as are necessary to conduct its business as presently
conducted. The conduct of business by E-NET does not infringe upon the
trademarks or copyrights of any third party, if such infringement would have a
material, adverse effect upon the financial condition or business of E-NET.

     3.6 Books of Account and Reports; Internal Controls.

          (a) The books of account of E-NET accurately reflect in all material
     respects all of its items of income and expense, all of its assets,
     liabilities, and accruals, and are prepared and maintained in form and
     substance adequate for preparing audited financial statements, in
     accordance with generally accepted accounting procedures as historically
     and consistently applied by E-NET. E-NET has accurately prepared and filed,
     or is currently preparing for filing, all reports required by any law or
     regulation to be filed by it, and it has duly paid or accrued on its books
     of account all applicable duties and charges due (or assessed against it)
     pursuant to such reports.

          (b) E-NET has devised and maintained a system of internal accounting
     controls sufficient to provide reasonable assurances that transactions are
     recorded as necessary (i) to permit preparation of financial statements in
     conformity with generally accepted accounting principles and (ii) to
     maintain accountability for assets and expenses.

     3.7 Litigation. There are no actions, suits, proceedings, orders,
investigations, or claims pending or, to the knowledge of E-NET threatened
against or affecting E-NET at law or in equity, or before or by any governmental
department, commission, board, bureau, agency, or instrumentality, which, if
adversely determined, would materially and adversely affect the financial
condition of E-NET, or which seek to prohibit, restrict, or delay the
consummation of the transactions contemplated hereby. E-NET is not operating
under or subject to, or in default with respect to, any order, writ, injunction,
or decree of any court or federal, state, municipal, or other governmental
department, commission, board, agency, or instrumentality.

     3.8 Insurance. E-NET has insurance against losses or damages and other
risks in amounts and of a character usually insured against by companies in the
same or similar business.

     3.9 Registration Statement. E-NET will file with the Securities and
Exchange Commission, and will diligently prosecute to effectiveness, a
Registration Statement on registering for distribution and resale the 7,500,000
shares of its common stock described in paragraph 2.2, below.

     3.10 Documents. The copies of all agreements and other instruments that
have been delivered by E-NET to EMB are true, correct, and complete copies of
such agreements and instruments and include all amendments thereto.

<PAGE>

     3.11 Disclosure. The representations and warranties made by E-NET herein
and in any schedule, statement, certificate, or document furnished or to be
furnished by E-NET to EMB pursuant to the provisions hereof or in connection
with the transactions contemplated hereby, taken as a whole, do not and will not
as of their respective dates contain any untrue statements of a material fact,
or omit to state a material fact necessary to make the statements made not
misleading.


                                    SECTION 4

                      REPRESENTATIONS AND WARRANTIES OF EMB
                      -------------------------------------

     EMB, in order to induce E-NET to execute this Agreement and to consummate
the transactions contemplated herein, represents and warrants to E-NET as
follows:

     4.1 Organization and Qualification. (a) AMRES is a corporation duly
organized, validly existing, and in good standing under the laws of the state of
Nevada with all requisite power and authority to own its property and assets and
to carry on its business as it is now being conducted. AMRES is qualified as a
foreign corporation and is in good standing in each jurisdiction where the
ownership, lease, or operation of property or the conduct of its business
requires such qualification except where the failure to be in good standing or
so qualified would not have a material, adverse effect on the financial
condition and business of AMRES. (b) BRAVO is a corporation duly organized under
the laws of the state of California. At the present time, BRAVO may not be in
good standing with the California Secretary of State and/or California Franchise
Tax Board. BRAVO is not currently conducting business. BRAVO is qualified as a
foreign corporation and is in good standing in each jurisdiction where the
ownership, lease, or operation of property or the conduct of its business
requires such qualification except where the failure to be in good standing or
so qualified would not have a material, adverse effect on the financial
condition and business of BRAVO.

     4.2 Ownership of EMB ASSETS. (a) AMRES is authorized to issue two classes
of stock, of up to Five Thousand (5,000) shares of common stock, no par value
per share, and of up to Twenty Thousand (20,000) shares of 5% convertible
preferred stock, no par value per share. At the date hereof, of such authorized
shares, Four Thousand Thirty-Eight (4,038) shares of common stock and Twelve
Thousand (12,000) of 5% convertible preferred stock have been validly issued and
are outstanding, fully paid, and non-assessable. There are no options, warrants,
or other securities exercisable or convertible into or any calls, commitments,
or agreements of any kind relating to any unissued equity securities of AMRES.
(b) BRAVO is authorized to issue one class of stock, of up to One Hundred
Thousand (100,000) shares of common stock, no par value per share. At the date
hereof, of such authorized shares, Ten Thousand (10,000) shares of common stock
have been validly issued and are outstanding, fully paid, and non-assessable,
all of which are owned of record and beneficially by EMB. There are no options,
warrants, or other securities exercisable or convertible into or any calls,
commitments, or agreements of any kind relating to any unissued equity
securities of BRAVO.

     4.3 Validity. EMB has the requisite power to execute and deliver and to
carry out the terms of this Agreement. Assuming this Agreement has been approved
by all actions necessary on the part of E-NET, this Agreement is a valid and
binding agreement of EMB.

     4.4 Conduct and Transactions of EMB. During its current fiscal year, EMB
conducted the operations of the subsidiaries constituting the EMB Assets in the
ordinary course of business, consistent with past practice and used its best
efforts to maintain and preserve its properties, key employees, and
relationships with customers and suppliers. Without limiting the foregoing,
during such period EMB did not with respect to each subsidiary constituting the
EMB Assets, i.e., AMRES and BRAVO:

<PAGE>

          (a) Incur any liabilities except to maintain its facilities and assets
     in the ordinary course of its business;

          (b) Declare or pay any dividends on any shares of capital stock or
     make any other distribution of assets to the holders thereof;

          (c) Issue, reissue, or sell, or issue options or rights to subscribe
     to, or enter into any contract or commitment to issue, reissue, or sell,
     any shares of capital stock or acquire or agree to acquire any shares of
     capital stock;

          (d) Amend its Articles of Incorporation or Bylaws or merge or
     consolidate with or into any other corporation or sell all or substantially
     all of its assets or change in any manner the rights of its capital stock
     or other securities;

          (e) Pay or incur any obligation or liability, direct or contingent,
     except in the ordinary course of its business;

          (f) Incur any indebtedness for borrowed money, assume, guarantee,
     endorse, or otherwise become responsible for obligations of any other
     party, or make loans or advances to any other party except in the ordinary
     course of its business;

          (g) Increase in any manner the compensation, direct or indirect, of
     any of its officers or executive employees, except as otherwise disclosed
     in Exhibit 4.4(g), hereto; or

          (h) Make any capital expenditures except in the ordinary course of its
     business.


     4.5 Compensation Due Employees. (a) AMRES will not have any outstanding
liability for payment of wages, payroll taxes, vacation pay (whether accrued or
otherwise), salaries, bonuses, pensions, contributions under any employee
benefit plans or other compensation, current or deferred, under any labor or
employment contracts, whether oral or written, based upon or accruing in respect
of those services of employees of AMRES that have been performed prior to the
Closing Date, except as specified on Exhibit 4.6 hereto. On the Closing Date,
AMRES will not have any unfunded, contingent, or other liability under any
defined benefits plan or any other retirement or retirement-type plan, whether
such plan(s) are to continue or are thereupon terminated, except for the normal
on-going obligations for future contributions under such plan(s) not related,
generally or specifically, to the termination of such plan(s) or except as
specified on Exhibit 4.5 hereto. (b) BRAVO will not have any outstanding
liability for payment of wages, payroll taxes, vacation pay (whether accrued or
otherwise), salaries, bonuses, pensions, contributions under any employee
benefit plans or other compensation, current or deferred, under any labor or
employment contracts, whether oral or written, based upon or accruing in respect
of those services of employees of BRAVO that have been performed prior to the
Closing Date, except as specified on Exhibit 4.6 hereto. On the Closing Date,
BRAVO will not have any unfunded, contingent or other liability under any
defined benefits plan or any other retirement or retirement-type plan, whether
such plan(s) are to continue or are thereupon terminated, except for the normal
on-going obligations for future contributions under such plan(s) not related,
generally or specifically, to the termination of such plan(s) or except as
specified on Exhibit 4.5 hereto

     4.6 Union Agreements and Employment Agreements. AMRES and BRAVO are not a
party to any union agreement or any organized labor dispute. AMRES and BRAVO do
not have any written or verbal employment agreements with any of their
respective employees, except as listed in Exhibit 4.6 hereto.

     4.7 Contracts and Leases. Except as listed in Exhibit 4.7 hereto, AMRES and
BRAVO are not a party to any written or oral leases, commitments, or any other
agreements. On the Closing Date, AMRES and BRAVO shall have paid or performed in
all material respects all obligations required to be paid or performed by them
to such date and will not be in default under any document, contract, agreement,
lease, or other commitment to which any of them is a party.

<PAGE>


     4.8 Insurance. All insurance against losses or damages or other risks which
are in force for the benefit of AMRES and/or BRAVO are set forth in Exhibit 4.8
*hereto.

     4.9 Liabilities. AMRES and BRAVO do not have any liabilities, except as
listed in Exhibit 4.9 hereto.

     4.10 Proprietary Rights. AMRE0S and BRAVO own or are duly licensed to use
such trademarks and copyrights as are necessary to conduct their respective
businesses as presently conducted. The conduct of business by AMRES and BRAVO do
not, to the best knowledge of EMB, infringe upon the trademarks or copyrights of
any third party.

     4.11 Internal Controls.

          (a) There have been no transactions except in accordance with
     management's general or specific authorization.

          (b) AMRES and BRAVO have devised and maintained respective systems of
     internal accounting controls sufficient to provide reasonable assurances
     that transactions are recorded as necessary (i) to permit preparation of
     financial statements in conformity with generally accepted accounting
     principles and (ii) to maintain accountability for assets and expenses.

     4.12 Contracts and Agreements. Neither AMRES nor BRAVO is a party to any
material contracts or agreements in respect of the operation of their respective
businesses, except as listed in Exhibit 4.12 hereto.

     4.13 Minute Books. The minute books of AMRES and BRAVO contain true,
complete, and accurate records of all meetings and other corporate actions of
their respective shareholders and Boards of Directors, and true and accurate
copies thereof have been delivered to counsel for E-NET prior to the Closing
Date. The signatures appearing on all documents contained therein are the true
signatures of the persons purporting to have signed the same.

     4.14 Litigation. Except as set forth in Exhibit 4.14, there are no actions,
suits, proceedings, orders, investigations, or claims (whether or not
purportedly on behalf of AMRES or BRAVO) pending against or affecting AMRES or
BRAVO at law or in equity or before or by any federal, state, municipal, or
other governmental department, commission, board, agency, or instrumentality,
domestic or foreign, nor has any such action, suit, proceeding, or investigation
been pending or threatened in writing during the 12-month period preceding the
date hereof, which, if adversely determined, would materially and adversely
affect the financial condition of AMRES or BRAVO or which seeks to prohibit,
restrict, or delay the consummation of the stock sale contemplated hereby.
Neither AMRES nor BRAVO is operating under or subject to, or in default with
respect to, any order, writ, injunction, or decree of any court or federal,
state, municipal, or other governmental department, commission, board, agency,
or instrumentality.

     4.15 Taxes. At the Closing Date, all tax returns required to be filed with
respect to the operations or assets of AMRES and BRAVO prior to Closing Date
shall have been correctly prepared in all material respects and timely filed,
and all taxes required to be paid in respect of the periods covered by such
returns shall have been paid in full or adequate reserves have been established
for the payment of such taxes. Except as set forth in Exhibit 4.15, as of the
Closing Date, neither AMRES nor BRAVO shall have requested any extension of time
within which to file any tax returns, and all known deficiencies for any tax,
assessment, or governmental charge or duty shall have been paid in full or
adequate reserves have been established for the payment of such taxes. The AMRES
and BRAVO Tax Returns are true and complete in all material respects. No audits
by federal or state authorities are currently pending or threatened.

     4.16 No Defaults. Neither AMRES nor BRAVO is in default under or in
violation of any provision of their respective Articles of Incorporation or
Bylaws. Neither AMRES nor BRAVO is in default under or in violation of any
material provision of any material indenture, mortgage, deed of trust, lease,
loan agreement, or other agreement or instrument to which any of them is a party
or by which any of them is bound, or to which any of their respective properties
is subject, if such default would have a material, adverse effect on the

<PAGE>

financial condition or business of AMRES or BRAVO. Neither AMRES nor BRAVO is in
violation of any statute, law, ordinance, order, judgment, rule, regulation,
permit, franchise, or other approval or authorization of any court or
governmental agency or body having jurisdiction over them or any of their
respective property which, if enforced, would have a material, adverse effect on
the financial condition or business of AMRES or BRAVO. Neither the execution and
delivery of this Agreement, nor the consummation of the transactions
contemplated herein, will conflict with or result in a breach of or constitute a
default under any of the foregoing or result in the creation of any lien,
mortgage, pledge, charge, or encumbrance upon any asset of AMRES or BRAVO and no
consents or waivers thereunder are required to be obtained in connection
therewith in order to consummate the transactions contemplated by this
Agreement, except for the agreements so indicated on Exhibit 4.16.

     4.17 Material Change. Except as disclosed on Exhibit 4.17, there has been
no material change in the condition, financial or otherwise, of AMRES or BRAVO
as shown in the AMRES or BRAVO Tax Returns, except changes occurring in the
ordinary course of business, which changes have not materially, adversely
affected their respective organizations, businesses, properties, or financial
condition.

     4.18 Documents. The copies of all agreements and other instruments that
have been delivered by EMB to E-NET are true, correct, and complete copies of
such agreements and instruments and include all amendments thereto.

     4.19 Disclosure. The representations and warranties made by EMB herein and
in any schedule, statement, certificate, or document furnished or to be
furnished by AMRES, BRAVO and/or EMB to E-NET pursuant to the provisions hereof
or in connection with the transactions contemplated hereby taken as a whole do
not and will not as of their respective dates contain any untrue statements of a
material fact, or omit to state a material fact necessary to make the statements
made not misleading.


                                    SECTION 5

                          INVESTIGATION; PRESS RELEASE
                          ----------------------------

     5.1 Investigation. (a) E-NET acknowledges that it has made an investigation
of the EMB Assets during the period from on or about October 1, 1998, through
the Closing Date, to confirm, among other things, the assets, liabilities, and
status of business of the EMB Assets and the cash position, accounts receivable,
liabilities, and mortgages in process. In the event of termination of this
Agreement, E-NET will deliver to EMB all documents, work papers, and other
materials and all copies thereof obtained by E-NET, or on its behalf, from
AMRES, BRAVO or EMB, whether obtained before or after the execution hereof, will
not use, directly or indirectly, any confidential information obtained from
AMRES, BRAVO or EMB hereunder or in connection herewith, and will keep all such
information confidential and not used in any way detrimental to AMRES, BRAVO or
EMB except to the extent the same is publicly disclosed by AMRES, BRAVO or EMB.

          (b) EMB acknowledges that he has made an investigation of E-NET during
the period from on or about April 30, 1999, through the Closing Date, which has
included, among other things, the opportunity of discussions with executive
officers of E-NET, and its accountants, investment bankers, and counsel. In the
event of termination of this Agreement, EMB will deliver to E-NET all documents,
work papers, and other materials and all copies thereof obtained by it, or on

<PAGE>

its behalf, from E-NET, whether obtained before or after the execution hereof
and will not use, directly or indirectly, any confidential information obtained
from E-NET hereunder or in connection herewith, and will keep all such
information confidential and not used in any way detrimental to E-NET, except to
the extent the same is publicly disclosed by E-NET.

          (c) Except in the event that any party hereto discovers in the course
of his or its respective investigation any breach of a representation or
warranty by the other party hereto and does not disclose it to such other party
prior to the Closing Date, no investigation pursuant to this Section 5.1 shall
affect or be deemed to modify any representation or warranty made by any party
hereto.

     5.2 Press Release. E-NET and EMB shall agree with each other as to the form
and substance of any press releases and the filing of any documents with any
federal or state agency related to this Agreement and the transactions
contemplated hereby and shall consult with each other as to the form and
substance of other public disclosures related thereto; provided, however, that
nothing contained herein shall prohibit either party from making any disclosure
that her or its counsel deems necessary.


                                    SECTION 6

                                    BROKERAGE
                                    ---------

     6.1 Brokers and Finders. Except as set forth in Exhibit 6.1, neither E-NET
nor EMB, or any of their respective officers, directors, employees, or agents,
has employed any broker, finder, or financial advisor or incurred any liability
for any fee or commissions in connection with initiating the transactions
contemplated herein. Each party hereto agrees to indemnify and hold the other
party harmless against or in respect of any commissions, finder's fees, or
brokerage fees incurred or alleged to have been incurred with respect to
initiating the transactions contemplated herein as a result of any action of the
indemnifying party.


                                    SECTION 7

                       CLOSING AGREEMENTS AND POST-CLOSING
                       -----------------------------------

     7.1 Closing Agreements. On the Closing Date, the following activities shall
occur, the following agreements shall be executed and delivered, and the
respective parties thereto shall have performed all acts that are required by
the terms of such activities and agreements to have been performed
simultaneously with the execution and delivery thereof as of the Closing Date:

          (a) EMB shall have executed and delivered documents to E-NET
     sufficient then and there to transfer record and beneficial ownership of
     the shares of common stock of AMRES and BRAVO to E-NET;

          (b) EMB shall assign to E-NET all of its rights in the Letter of
     Intent dated June 9, 1999 by and between EMB and TITUS;

          (c) E-NET shall have delivered Seven Million Five Hundred Thousand
     (7,500,000) shares of E-NET common stock, which shares will be included in
     the Registration Statement, as set forth in Section 3.9, below;

          (d) E-NET shall have delivered to EMB (i) cash in the amount of
     $1,595,000, in good funds, and (ii) the promissory note of E-NET in the
     amount of $2,405,000, with interest on said note accruing at the rate of
     ten percent (10%) per annum, with principal and interest all being due and
     payable, in full, 90 days from date hereof

<PAGE>

                                    SECTION 8

              CONDITIONS PRECEDENT TO E-NET'S OBLIGATIONS TO CLOSE
              ----------------------------------------------------

     The obligations of E-NET to consummate this Agreement are subject to
satisfaction on or prior to the Closing Date of the following conditions:

     8.1 Representations and Warranties. The representations and warranties of
EMB contained in this Agreement shall be true and correct in all material
respects on and as of the Closing Date, and EMB shall have performed in all
material respects all of its obligations hereunder theretofore to be performed.

     8.2 Other. The joint conditions precedent in Section 10 hereof shall have
been satisfied and all documents required for Closing shall be acceptable to
Counsel for E-NET.


                                    SECTION 9

               CONDITIONS PRECEDENT TO EMB'S OBLIGATIONS TO CLOSE
               --------------------------------------------------

     The obligation of EMB to consummate this Agreement is subject to the
satisfaction on or prior to the Closing Date of the following conditions:

     9.1 Representations and Warranties. The representations and warranties of
E-NET contained in this Agreement shall be true and correct in all material
respects on and as of the Closing Date, and E-NET shall have performed in all
material respects all of its obligations hereunder theretofore to be performed.

     9.2 Other. The joint conditions precedent in Section 10 hereof shall have
been satisfied.


                                   SECTION 10

                           JOINT CONDITIONS PRECEDENT
                           --------------------------

     The obligations of E-NET and EMB to consummate this Agreement shall be
subject to satisfaction or waiver in writing by all parties of each and all of
the following additional conditions precedent at or prior to the Closing Date:

     10.1 Other Agreements. All of the agreements contemplated by Section 7.1 of
this Agreement shall have been executed and delivered, and all acts required to
be performed thereunder as of the Closing Date shall have been duly performed,
including, without limitation, completion of all exhibits to this Agreement.

     10.2 Absence of Litigation. At the Closing Date, there shall be no action,
suit, or proceeding pending or threatened against any of the parties hereto by
any person, governmental agency, or subdivision thereof, nor shall there be
pending or threatened any action in any court or administrative tribunal, which
would have the effect of inhibiting the consummation of the transactions
contemplated herein.


                                   SECTION 11

                                 CONFIDENTIALITY
                                 ---------------

     11.1 E-NET acknowledges that its principals have, and will, acquire
information and materials from EMB and its subsidiaries (the "Companies") and
knowledge about the technology, business, products, strategies, customers,
clients and suppliers of the Companies and that all such information, materials
and knowledge acquired, are and will be trade secrets and confidential and
proprietary information of the Companies (collectively, such acquired

<PAGE>

information, materials, and knowledge are hereinafter referred to as
"Confidential Information"). E-NET, itself, and behalf of its principals,
covenant to hold such Confidential Information in strict confidence, not to
disclose it to others or use it in any way, commercially or otherwise, except in
connection with the transactions contemplated by this Agreement and not to allow
any unauthorized person access to such Confidential Information.

     11.2 The Confidential Information disclosed by the Companies to E-NET shall
remain the property of the disclosing party.

     11.3 E-NET, and principals, shall maintain in secrecy all Confidential
Information disclosed to him by any or all of the Companies using not less than
reasonable care. E-NET, and its principals shall not use or disclose in any
manner to any third party any Confidential Information without the express
written consent of the chief executive officer of EMB unless or until the
Confidential Information is:

          (a) publicly available or otherwise in the public domain; or

          (b) rightfully obtained by any third party without restriction; or

          (c) disclosed by any of the Companies without restriction pursuant to
     judicial action, or government regulations or other requirements.

     11.4 The obligations of E-NET under Sections 11.1, 11.2, and 11.3 of this
Agreement shall expire one year from the date hereof as to Confidential
Information consisting of commercial and financial information and two years
from the date on which E-NET, are its principals, are no longer affiliated with
any of the Companies, except as a shareholder thereof, as to Confidential
Information consisting of technical information. For this purpose, technical
information shall include without limitation all developments, inventions,
innovations, designs, discoveries, trade secrets and know-how, whether or not
patentable or copyrightable.

     11.5 E-NET, itself and on behalf of its principals, hereby agrees that they
will not intentionally bring into the premises of either or both of the
Companies, or use in any way for the benefit of either or both of the companies,
any confidential information that E-NET has reason to believe is or may be the
trade secret or confidential information of a third party.


                                   SECTION 12

                             TERMINATION AND WAIVER
                             ----------------------

     12.1 Termination. This Agreement may be terminated and abandoned on the
Closing Date by:

          (a) the mutual consent in writing of the parties hereto;

          (b) E-NET, if the conditions precedent in Sections 8 and 10 of this
     Agreement have not been satisfied or waived by the Closing Date; and

          (c) EMB, if the conditions precedent in Sections 9 and 10 of this
     Agreement have not been satisfied or waived by the Closing Date.

          If this Agreement is terminated pursuant to Section 12.1, the parties
hereto shall not have any further obligations under this Agreement, and each
party shall bear all costs and expenses incurred by her or it.

<PAGE>

                                   SECTION 13

                  NATURE AND SURVIVIAL OF REPRESENTATIONS, ETC.
                  ---------------------------------------------

     13.1 Nature and Survival. All statements contained in any certificate or
other instrument delivered by or on behalf of E-NET or EMB pursuant to this
Agreement or in connection with the transactions contemplated hereby shall be
deemed representations and warranties by such party. All representations and
warranties and agreements made by E-NET or EMB in this Agreement or pursuant
hereto shall survive the Closing Date hereunder until the expiration of the 12th
month following the Closing Date.

     13.2 Rescission. The parties hereto agree that they are relying on the
representations and projections contained in this Agreement, in the EMB Business
Plan as it pertains to the EMB Assets and in other documents regarding the
future of the EMB Assets which have been disclosed to E-NET. In the event that
any such representations, projections or material facts about the EMB Assets are
found to be untrue, or otherwise materially affect the business prospects of
E-NET and/or the value of the securities issued by E-NET, E-NET upon a vote of a
majority of the shareholders of E-NET (as determined as of the date immediately
prior to the execution of this Agreement) may immediately rescind this
Agreement, with written notice to EMB, and return to EMB all of the EMB Assets,
and any liabilities associated with the EMB Assets which have been assumed by
E-NET, as if the transaction contemplated hereby had never taken place. In
addition, the parties hereto may mutually agree to rescind this agreement by
executing a writing to that effect, which shall operate in the same manner as if
E-NET had given unilateral written as provided for in this paragraph.

     No decision of any court or other governmental or regulatory agency shall
be necessary to effectuate the rescission. A notice of rescission to EMB shall
not entitle EMB or its shareholders to obtain any damages, fees or other costs
from E-NET or its shareholders as a result of the rescission and EMB shall only
be entitled to those assets, the EMB Assets, which were in existence as of the
date immediately preceding the effective date of this Agreement.


                                   SECTION 14

                                  MISCELLANEOUS
                                  -------------

     14.1 Notices. Any notices or other communications required or permitted
hereunder shall be sufficiently given if written and delivered in person or sent
by registered mail, postage prepaid, addressed as follows:

          to EMB:                    EMB Corporation
                                     Attention:  Chief Executive Officer
                                     3200 Bristol, Eighth Floor
                                     Costa Mesa, California 92626

          copy to  :                 Bryan Cave LLP
                                     Attention:  Randolf W. Katz, Esq.
                                     18881 Von Karman, Suite 1500
                                     Irvine, California 92612

          to E-NET:                  e-Net Financial.Com Corporation
                                     Attention: Chief Executive Officer
                                     3200 Bristol Street, Suite 700
                                     Costa Mesa, California 92626

or such other address as shall be furnished in writing by the appropriate
person, and any such notice or communication shall be deemed to have been given
as of the date so mailed.

<PAGE>


     14.2 Time of the Essence. Time shall be of the essence of this Agreement.

     14.3 Costs. Each party will bear the costs and expenses incurred by it in
connection with this Agreement and the transactions contemplated hereby.

     14.4 Entire Agreement and Amendment. This Agreement and documents delivered
at the Closing Date hereunder contain the entire agreement between the parties
hereto with respect to the transactions contemplated by this Agreement and
supersedes all other agreements, written or oral, with respect thereto. This
Agreement may be amended or modified in whole or in part, and any rights
hereunder may be waived, only by an agreement in writing, duly and validly
executed in the same manner as this Agreement or by the party against whom the
waiver would be asserted. The waiver of any right hereunder shall be effective
only with respect to the matter specifically waived and shall not act as a
continuing waiver unless it so states by its terms.

     14.5 Counterparts. This Agreement may be executed in one or more
counterparts each of which shall be deemed to constitute an original and shall
become effective when one or more counterparts have been signed by each party
hereto and delivered to the other party.

     14.6 Governing Law. This Agreement shall be governed by, and construed and
interpreted in accordance with, the laws of the State of California.

     14.7 Attorneys' Fees and Costs. In the event any party to this Agreement
shall be required to initiate legal proceedings to enforce performance of any
term or condition of this Agreement, including, but not limited to, the
interpretation of any term or provision hereof, the payment of monies or the
enjoining of any action prohibited hereunder, the prevailing party shall be
entitled to recover such sums, in addition to any other damages or compensation
received, as will reimburse the prevailing party for reasonable attorneys' fees
and court costs incurred on account thereof (including, without limitation, the
costs of any appeal) notwithstanding the nature of the claim or cause of action
asserted by the prevailing party.

     14.8 Successors and Assigns. This Agreement shall inure to the benefit of
and be binding upon the parties hereto and their respective heirs, executors,
personal representatives, successors, and assigns, as the case may be.

     14.9 Access to Counsel. Each party hereto acknowledges that each has had
access to legal counsel of her or its own choice and has obtained such advice
therefrom, if any, as such party has deemed necessary and sufficient prior to
the execution hereof. Each party hereto acknowledges that the drafting of this
Agreement has been a joint effort and any ambiguities or interpretative issues
that may arise from and after the execution hereof shall not be decided in favor
or, or against, any party hereto because the language reflecting any such
ambiguities or issues may have been drafted by any specific party or her or its
counsel.

     14.10 Captions. The captions appearing in this Agreement are inserted for
convenience of reference only and shall not affect the interpretation of this
Agreement.






     IN WITNESS WHEREOF, the parties hereto have executed this Amended and
Restated Purchase Agreement as of the day and year first above written.

EMB CORPORATION,
a Hawaii corporation

by: /s/ James E. Shipley
------------------------
James E. Shipley, President

e-NET FINANCIAL.COM CORPORATION
a Nevada corporation

by: /s/ Michael P. Roth
-----------------------
Michael P. Roth, President