SUBLEASE AGREEMENT

The parties agree as follows:

Date of this
Sublease:             July 1, 2001

Parties to this
Sublease:             Overtenant: Falcon Financial Group LLC
                      Address for Notices: 1700 West Horizon Ridge Parkway,
                      Suite 202, Henderson, Nevada  89012


                      You, the Undertenant: Crest View, Inc.
                      Address for notices: 1700 West Horizon Ridge Parkway,
                      Suite 202, Henderson, Nevada 89012


Information from
Over-Lease:           If there are more than one Overtenant or Undertenant, the
                      words, "Overtenant" and "Undertenant" used in this
                      Sublease includes them.

                      Landlord: MacDonald Corporate Center
                      Address for notices: 1700 West Horizon Ridge Parkway,
                      Suite 200, Henderson, Nevada 89012


                      Overtenant: Falcon Financial Group LLC
                      Address for Notices: 1700 West Horizon Ridge Parkway,
                      Suite 202, Henderson, Nevada  89012


                      Date of Over-Lease: March, 2000

                      Term: From March 2000 to  June 30, 2005

                      A copy of the Over-Lease is attached as an important part
                      of the Sublease.

Term:                 Two years, no months: Beginning July 1, 2001 and ending
                      June 30, 2003

Premises rented:      1700 West Horizon Ridge Parkway, Suite 202, Henderson,
                      Nevada  89012

Use of premises:      The premises may be used for administrative offices only.

Rent:                 The yearly rent is $14,400. You, the Undertenant, will pay
                      this yearly rent to the Overtenant in twelve equal monthly
                      payments of $1,200. Payments shall be made upon execution
                      of this Agreement by the delivery of 57,600 shares of
                      Undertenant's common stock.


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Security:             The security for the Undertenant's performance is $ 0

Agreement to lease
and pay rent:         Overtenant sublets the premises to you, the Undertenant,
                      for the Term. Overtenant states that is has the authority
                      to do so. You, the Undertenant, agree to pay the Rent and
                      other charges as required in the Sublease. You, the
                      Undertenant, agree to do everything required of you in the
                      Sublease.

Notices:              All notices in the Sublease shall be sent by certified
                      mail, "return receipt requested."

Subject to:           The Sublease is subject to the Over-Lease. It is also
                      subject to any agreement to which the Over-Lease is
                      subject. You, the Undertenant, state that you have read
                      and initialed the Over-Lease and will not violate it in
                      any way.

Overtenant's duties:  The Over-Lease describes the Landlord's duties.
                      The Overtenant is not obligated to perform the Landlord's
                      duties. If the Landlord fails to perform, you, the
                      Undertenant, must send the Overtenant a notice. Upon
                      receipt of the notice, the Overtenant shall then promptly
                      notify the Landlord and demand that the Over-Lease
                      agreements be carried out. The Overtenant shall continue
                      the demands until the Landlord performs.

                      Overtenant shall provide telephone and secretarial
                      services for Undertenant during the term of this Sublease.

Consent:              If the Landlord's consent to the Sublease is required,
                      this consent must be received within 3 days from the date
                      of this Sublease. If the Landlord's consent is not
                      received within this time, the Sublease will be void. In
                      such event all parties are automatically released and all
                      payments shall be refunded to you, the Undertenant.

Adopting the
Overlease and
exceptions:           The provisions of the Over-Lease are part of this
                      Sublease. All the provisions of the Over-Lease applying to
                      the Overtenant are binding on you, the Undertenant.

No authority:         You, the Undertenant, have no authority to contact or make
                      any agreement with the Landlord about the premises or the
                      Over-Lease. You, the Undertenant, may not pay rent or
                      other charges to the Landlord, but only to the Overtenant.

Successors:           Unless otherwise stated, the Sublease is binding on all
                      parties who lawfully succeed to the rights or take the
                      place of the Overtenant or you,


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                      the Undertenant. Examples are an assign, heir, or a legal
                      representative such as an executor of your will or
                      administrator of your estate.

Changes:              This Sublease can be changed only by an agreement in
                      writing signed by the parties to the Sublease.

Signatures:           OVERTENANT:           Falcon Financial Group LLC


                                            By:    /s/ John C. Francis
                                                 -------------------------------
                                                   John C. Francis, Member

                      UNDERTENANT:          Crest View, Inc.



                                            By:    /s/ Johnny R. Thomas
                                                 -------------------------------
                                                   Johnny R. Thomas, CEO
Witness:


          /s/ Elliot H. Lutzker
----------------------------------------
            Elliot H. Lutzker


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