OPTION  NO._________


                             STOCK OPTION AGREEMENT
                             ----------------------

     This  STOCK OPTION AGREEMENT is made and entered into               , 2001,
by  and  between E-Net Financial.com, Inc. ("Company"), and Lawrence W. Horwitz,
an  individual  (referred  to  herein  as the "Optionee"), with reference to the
following  recitals  of  facts:

     WHEREAS,  the  Company  desires  to  grant  the  Optionee  a  stock  option
("Option") to purchase shares of common stock of the Company (the "Shares") upon
the  terms  and  conditions  hereinafter  stated;  and

NOW,  THEREFORE, in consideration of the covenants herein set forth, the parties
hereto  agree  as  follows:

     1.     Shares;  Price.  The  Company hereby grants to Optionee the right to
            ---------------
purchase,  upon and subject to the terms and conditions herein stated, 1 million
Shares  for  cash  at  the  closing  price  of the Shares as of the date of this
Agreement, such price being not less than the fair market value per share of the
Shares  covered  by  these  Options  as  of  the  date  hereof.

     2.     Term  of Option.  This Option shall expire, and all rights hereunder
            ---------------
to  purchase  the  Shares  shall  terminate  five  years  from  the date hereof.

     3.     Exercise.  This Option shall be exercised by delivery to the Company
            --------
of:   (a)  a  written  notice  of  exercise  stating  the number of Shares being
purchased  (in  whole  shares  only) and such other information set forth on the
form of Notice of Exercise attached hereto as Appendix A; (b) a check or cash in
                                              ----------
the  amount  of  the  purchase  price of the Shares covered by the notice.  This
Option  shall  be exercisable in its entirety upon $2 million being converted to
equity  in  the  Company  the contemplated bond offering.  All amounts less than
that  shall  be exercisable on a pro-rata basis (i.e., if $1 from the $5 million
offering  is  converted into equity in E-net from the bond offering, then 20% of
the  subject  options  shall  be  exercisable, regardless of whether the subject
listing  occurs).

     4.     Termination  of  Independent  Contractor  Status.  If Optionee shall
            -------------------------------------------------
cease  to  serve  as  an  independent  contractor  whether  voluntarily  or
involuntarily,  other  than  by the conclusion of the term of Optionee's written
Consulting Agreement, then Optionee shall retain all rights set forth herein for
vested  Options  and all non vested options shall terminate and be of no further
force  or  effect.

<PAGE>

     5.     Recapitalization. The number of Shares covered by this Option, shall
            ----------------
not  be  proportionately  adjusted for any increase or decrease in the number of
issued  Shares  resulting  from  a subdivision or consolidation of shares or the
payment  of a stock dividend, or any other increase or decrease in the number of
such  shares  affected without receipt of consideration by the Company; provided
however  that  the conversion of any convertible securities of the Company shall
not  be  deemed  having  been  "effected without receipt of consideration by the
Company.  The  exercise  price  of this Option shall not be adjusted upon such a
subdivision  or consolidation of the shares.  The number of such Shares shall be
increased/decreased  on  a  pro  rata  basis in accordance with any stock split,
provided,  however, in the event of a reverse stock split, the amount of options
shall  not be reduced below 60% of the amount issued under this option and under
no circumstances shall the exercise price of this option be adjusted.  Provided,
however  at  no  time  shall  the aggregate shares exercisable under this Option
equal  greater  than 5% of the total shares outstanding on a fully diluted basis
(such  calculation  to  be  performed  at  the  time  of  the initial exercise).

     In  the  event  of  a proposed dissolution or liquidation of the Company, a
merger  or  consolidation in which the Company is not the surviving entity, or a
sale  of  all  or  substantially  all  of the assets of the Company, all options
granted  herein  shall  immediately  vest  and  be exercisable.   Subject to any
required  action by the stockholders of the Company, if the Company shall be the
surviving  entity  in  any merger or consolidation, this Option thereafter shall
pertain  to and apply to the securities to which a holder of Shares equal to the
Shares  subject to this Option would have been entitled by reason of such merger
or  consolidation,  and  the  vesting  provisions of Section 3 shall continue to
apply.

6.     Registration  Rights.  The  Optionee  shall  have  the  right to register
       --------------------
Shares  covered  by vested options on Form S-8 pursuant to Optionee's Consulting
Agreement  to  which  this  Option  is  an  Exhibit.

     IN  WITNESS  WHEREOF, the parties hereto have executed this Agreement as of
the  date  first  above  written.

                                               E-NET  FINANCIAL.COM,  INC.

                                               /s/ Vincent R. Rinehart
                                               BY:Vincent R. Rinehart
                                               ITS: President & CEO


                                               MR.  LAWRENCE  HORWITZ

                                               /s/  Lawrence  W.  Horwitz
                                               Lawrence  W.  Horwitz,  Optionee


<PAGE>



                                  Appendix "A"
                                  ------------

                                     FORM OF

                               NOTICE OF EXERCISE

<PAGE>

                                  APPENDIX "A"
                                  ------------

                               NOTICE OF EXERCISE

E-Net  Financial.com,  Inc
3200  Bristol  Street,  Suite  700
Costa  Mesa,  CA  92626


                                     (date)

Re:  Exercise  of  Stock  Option

     Notice  is  hereby  given  pursuant to Section 3 of my Consulting Agreement
that  I  elect  to purchase the number of shares set forth below at the exercise
price  set  forth  in  my  option  agreement:

     Stock  Option  dated:                    ______________________

     Number  of  shares  being  purchased:    ______________________

     Option  Exercise  Price:                $_____________________

     A  check in the amount of the aggregate price of the shares being purchased
is  attached.

     I  hereby  confirm  that  such  shares  are being acquired by me for my own
account  for  investment  purposes,  and  not  with  a view to, or for resale in
connection  with,  any  distribution  thereof.

     Further,  I understand that, as a result of this exercise of rights, I will
recognize income in an amount equal to the amount by which the fair market value
of  the  Shares  exceeds  the  exercise price.  I agree to report such income in
accordance  with  then  applicable  law  and  to  cooperate  with  Company  in
establishing  the withholding and corresponding deduction to the Company for its
income  tax  purposes.

     I  agree to provide to the Company such additional documents or information
as  may  be  required  by  law.



                                        (Signature)


                                        (Name  of  Optionee)


<PAGE>