CONSULTING AGREEMENT

      THIS AGREEMENT made the 26th day of November, 1999.

B E T W E E N:

                  Chell.com Inc.., a corporation incorporated under the laws of
                  the Province of Alberta, Canada

                  (hereinafter called the "Consultant")

                                                               OF THE FIRST PART

                                     - and -

                  R Home Funding Co., Ltd., a corporation
                  incorporated under the laws
                  of the State of Nevada

                  (hereinafter called the "Corporation")

                                                              OF THE SECOND PART

      WHEREAS the Consultant is in the business of supplying certain strategic
services and advice to companies;

      AND WHEREAS the Corporation wishes to retain the services of the
Consultant on the terms and conditions set out in this agreement for a minimum
period of one year;

      NOW THEREFORE THIS AGREEMENT WITNESSETH that in consideration of the
mutual covenants and agreements contained herein, and for other good and
valuable consideration, the receipt and sufficiency of which is acknowledged by
each of the parties, the parties covenant and agree as follows:

                                    ARTICLE I
                                  CONSTRUCTION

1.01  Construction. In this Agreement, except as otherwise expressly provided:

(a)   all words and personal pronouns relating thereto shall be read and
      construed as the number and gender of the party or parties referred to in
      each case require and the verb shall be read and construed as agreeing
      with the required word and pronoun;

(b)   the division of this Agreement into articles and paragraphs and the use of
      headings is for convenience of reference only and shall not modify or
      affect the interpretation or construction of this Agreement or any of its
      provisions; and

(c)   when calculating the period of time within which or following which any
      act is to be done or step taken pursuant to this Agreement, the date which
      is the reference day in calculating such period shall be excluded. If the
      last day of such period is a non-business day, the period in question
      shall end on the next business day.

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                                   ARTICLE II
                              PROVISION OF SERVICES

2.01 Services. The Consultant is hereby retained to provide the following
services (the "Services") to the Corporation, as and when requested by the
Corporation, in accordance with the provisions of this Agreement:

      (a)   advice and services with respect to corporate strategy and concept
            definition;
      (b)   advice and services with respect to defining corporate culture and
            development of a human resources department;
      (c)   advice with respect to corporate financing;
      (d)   advice with respect to communications;
      (e)   advice with respect to the hiring of third party consultants and
            professionals including advertising, marketing, legal, accounting
            and other professionals.

It is the intention of the parties that the Consultant will assist the
Corporation in recruiting appropriate personnel to carry out all functions
provided by the Consultant during the term of this agreement. Notwithstanding,
that some Services may, during the term of this agreement, be carried out
exclusively by the Corporation's own employees or other consultants, it is
agreed that there shall be no reduction in the fees charged by the Consultant to
the Corporation.

2.02 Time and Attention. The Consultant agrees to make appropriate personnel
available to provide the Services, when and as requested by the Corporation,
provided that the Consultant shall not be required to take direction from the
Corporation as to how to achieve a certain result and provided further that
Corporation provides adequate notice for the Consultant to complete the required
task.

2.03 Non-Exclusive Arrangement. The Corporation acknowledges that this agreement
for Services with the Consultant is not an exclusive arrangement. The
Corporation acknowledges that the Consultant has other clients which may have to
take priority to the interests of the Corporation; however, the Consultant will
use its reasonable commercial efforts to ensure that there is no undue delay in
the performing of such Services. In the event of any such delay, the Corporation
must advise the Consultant in writing with five days of such delay or shall be
deemed thereafter to have waived any claim with respect to such delay or damages
arising therefrom.

2.04 Term. This Agreement shall be for an initial term (the "Term"), commencing
on the 26th day of November, 1999 and ending on January 15, 2001 upon and
subject to all other provisions of this Agreement.

2.05 Renewal. This Agreement may be renewed upon the mutual agreement of the
Corporation and the Consultant and upon such terms and conditions as are agreed
upon by the Corporation and the Consultant.

                                   ARTICLE III
                            REMUNERATION FOR SERVICES

3.01 Remuneration. In consideration of the provision of the Services, the
Corporation shall pay the Consultant as fee (the "Fee") of Seven Hundred and
Twenty Thousand Dollars ($720,000) per annum, payable in advance.

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3.02 Legal, Accounting and Communications Expenses. The parties acknowledge that
the Consultant will be contracting with third party legal, accounting,
communications and other professional services in order to properly deliver
Services to the Corporation. In some cases, the Corporation will deal directly
with such professionals who will assist the Consultant in delivering the
required Services. The Corporation shall reimburse the Consultant for any and
all charges for such third party professionals including the payment of the
Consultants legal fees for the structuring of delivery of warrants or options to
the Consultant and/or its employees and consultants. Payment terms are due upon
issuance of invoice from Corporation.

3.03 Reimbursement of Expenses. The Corporation shall reimburse the Consultant
for all travel, accommodation, lodging and meal expenses incurred by the
Consultant's employees or consultants who are travelling on the Corporation's
behalf. Payment terms are due upon invoice from Corporation.

                                   ARTICLE IV
                         ADVANCES/REPAYMENT OF ADVANCES

4.01 The Consultant may hereafter loan money to the corporation, pay wages,
incur and pay expenses (hereinafter collectively referred to as the "Loan
Advances").

4.02 The Corporation shall repay the Consultant all Loan Advances, with interest
at the rate of 10% per annum until date of payment. Payment shall be due upon
the first advance of any subsequent loan and/or equity financing. The
Corporation shall execute a general security agreement securing the present and
after acquired assets of the Corporation.

                                    ARTICLE V
                                    WARRANTS

5.01 With respect to any convertible debt and/or equity financing, the
Corporation agrees to grant to the Consultant, warrants to purchase Common Stock
of the Corporation equal to and representing 10% of the gross value of any
convertible debt/equity financing. The terms of the common share purchase
warrant shall be:

      (a)   3 years;
      (b)   exercise price - US$5.00;
      (c)   anti-dilution protection. The protection shall be the same as
            provided to the subscriber and/or lender;
      (d)   registration rights. The registration rights shall be the same as
            provided to the subscriber and/or lender;
      (e)   all other terms shall be the same as provided to the subscriber or
            lender.

5.02 The Corporation shall pay the Consultant's legal costs associated with the
review of any legal documentation associated with the common share purchase
warrant.

                                   ARTICLE VI
                                   TERMINATION

6.01 Termination by Corporation. This Agreement may be terminated at anytime at
the option of the Consultant only by delivering written notice to the
Corporation. In such a case, the Fee shall be prorated

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to the time of termination. It may also be terminated if the Corporation does
not fulfil, observe or perform any of the terms of this Agreement, or fails to
make any payment required hereunder within 5 days of receiving notice from the
Consultant of its failure to pay any such amount. In the case of a termination
as a result of a default, all Fees for the full term of the contract shall
become immediately due and payable.

6.02 Bankruptcy. In the event of the bankruptcy or insolvency, whether voluntary
or involuntary, of either party, this Agreement may be terminated at the option
of the other party.

                                   ARTICLE VII
                           GENERAL CONTRACT PROVISIONS

7.01 Notices. All notices, requests, demands or other communications required by
this Agreement or desired to be given or made by the parties hereto shall be
given or made by personal delivery or by mailing the same in a sealed envelope,
postage prepaid, registered mail, return receipt requested, and addressed:

            to the Consultant:
                                 Chell.com Inc.,
                                 500, 10060 Jasper Avenue,
                                 Edmonton, Alberta  T5J 3R8

            to the Corporation:
                                 R Home Funding Co. Ltd.
                                 500, 10060 Jasper Avenue
                                 Edmonton, Alberta  T5J 3R8

or to such other address as may from time to time be designated by notice given
in the manner provided in this paragraph. Any notice or communication mailed as
aforesaid shall be deemed to have been given and received on the second business
day next following the date of its mailing. Any notice or writing delivered by a
party hereto, to whom it is addressed, shall be deemed to have been given and
received on the day it is delivered, provided that if such day is not a business
day then the notice or communication shall be deemed to have been given and
received on the business day next following such date.

7.02 Indemnity. The Corporation shall indemnify and hold harmless the Consultant
(and its third party consultants providing services in accordance with Section
3.02) (the "Indemnified Party") against and from all claims, demands, actions,
and rights of action from third parties which shall or may arise by virtue of
anything done or omitted to be done by them (directly or through or by agents,
employees or other representatives) in providing Services under this agreement.
All opinions, statements and recommendations made by the Indemnified Party
(directly or through or by agents, employees or other representatives) are made
to the best of the knowledge of Indemnified Party based upon the best available
information. Indemnified Party shall not be liable for any misinformation,
errors or omissions contained in any report, document or opinion provided to
them by Corporation.

7.03 Time of the Essence. Time shall be of the essence in this Agreement and
every part hereof and no extension or variation of this Agreement shall operate
as a waiver of this provision.

7.04 Amendment. No alteration, amendment or qualification of this Agreement
shall be valid unless it is in writing and is executed by both of the parties
hereto.

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7.05 Governing Law. This Agreement shall be governed by and construed in
accordance with the laws of the Province of Alberta, Canada.

7.06 Severability. If any article, paragraph or any portion of any paragraph of
this Agreement is determined to be unenforceable or invalid by the decision of
any court of competent jurisdiction which determination is not appealed or
appealable, for any reason whatsoever, that unenforceability or invalidity shall
not affect the enforceability or validity of the remaining portions of this
Agreement and such unenforceable or invalid article, paragraph or portion
thereof shall be severed from the remainder of this Agreement.

7.07 Currency. All payments contemplated herein shall be paid in US funds.

7.08 Further Assurances. Each party to this Agreement shall execute and deliver
any and all documents and writings and do all things necessary or expedient to
achieve the purposes of this Agreement.

7.09 Binding Effect. Each and all of the covenants, terms, provisions and
agreements contained herein shall enure to the benefit of and be binding upon
the parties hereto, their respective heirs, executors, administrators, successor
and assigns, committees and legal personal representatives.

7.10 Relationship. The parties acknowledge that the Consultant is not an
employee of the Corporation, nor does any partnership or agency relationship
exist between the parties. Except with the approval of the Corporation, the
Consultant shall have no authority to act as agent for or otherwise represent
the Corporation or to enter into any agreement or to incur any obligation or
liability on behalf of the Corporation. It is agreed that to the extent that the
Consultant enters into any contract with the approval of the Corporation, that
the Consultant is doing so on behalf of and as agent for the Corporation.

7.11 Intellectual Property. The parties acknowledge that any intellectual
property, including without limitation, all inventions, ideas, discoveries,
improvements, trade secrets, software, patents, copyrights, trademarks service
marks and the like, acquired, developed, enhanced or worked on by the Consultant
in connection with the "ebanx" project or arising out of the services performed
under this Agreement and all right, title and interest therein are and shall be
the sole property of the Corporation, and the parties agree to execute any and
all documentation necessary to document the agency and trust relationship as
described.

            IN WITNESS WHEREOF the parties hereto have duly executed this
Agreement on the date first above written.


                                          CHELL.COM INC.

                                          Per: /s/ Cameron Chell
                                              ----------------------------------


                                          R HOME FUNDING CO., LTD.

                                          Per: /s/ Cameron Chell
                                              ----------------------------------