EXHIBIT 4.5

                              CONSULTANT AGREEMENT

     Consultant  Agreement, made as of June 10, 2003 between Consumers Financial
Corp.  having  its  principal  place  of  business located at 132 Spruce Street,
Cedarhurst,  NY,  11516  ("CFIN"  or  the  "Corporation"), and Mark B. Moline, a
private  corporate  consultant, whose principal place of business located at 189
Chandon  Laguna  Niguel,  CA  92677.

     WHEREAS,  the  Corporation  wishes  to assure itself of the services of the
Consultant  for  the  period  provided  in this Agreement, and the Consultant is
willing  to  provide  his  services  to the Corporation for the period under the
terms  and  conditions  hereinafter  provided.

     NOW,  THEREFORE,  WITNESSETH, that for and in consideration of the premises
and  of  the  mutual promises and covenants herein contained, the parties hereto
agree  as  follows:

5.        Engagement

          The  Corporation  agrees to and does hereby engage the Consultant, and
     the  Consultant  agrees  to  and  does  hereby  accept  engagement  by  the
     Corporation in connection with the operation of the business and affairs of
     the  Corporation,  for  period  commencing  on  May  21, 2003 and ending on
     December  31,  2003. The period during which Consultant shall serve in such
     capacity  shall  be deemed the "Engagement Period" and shall hereinafter be
     referred  to  as  such.

6.        SERVICES

          2.1  The  Consultant  shall  render  to  the  Corporation the services
     described  below, with respect to which the Consultant shall apply her best
     efforts  and  devote  such time as shall be reasonably necessary to perform
     his  duties  hereunder  and  advance  the interests of the Corporation. The
     Consultant  shall  report to the chief executive officer of the Corporation
     and  to  such  persons  as  the  chief  executive  officer  shall  direct.

          2.2  The  services to be rendered by the Consultant to the Corporation
     shall  under  no  circumstances  include  the  following:

          15.  Any  activities  which  could  be  deemed  by  the Securities and
               Exchange Commission (SEC) to constitute investment banking or any
               other  activities  required  the  Consultant  to  register  as  a
               broker-dealer  under  the  Securities  Exchange  Act  of  1934.

          16.  Any  activities  which  could  be  deemed  by  the  SEC  to be in
               connection  with  the  offer  or  sale  of  securities  in  a
               capital-raising  transaction.

          17.  Any  activities  which  do  not directly or indirectly promote or
               maintain  a  market  for  CFIN's  securities


3.3- The  services  to  be  rendered  by the Consultant to the Corporation shall
     consist  of  the  following:

3.4- CORPORATE  PLANNING


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          18.  Develop  an  in-depth  familiarization  with  the  Corporation's
               business  objectives  and  bring  to  its  attention potential or
               actual  opportunities  which  meet  those  objectives  or logical
               extensions  thereof.

          19.  Alert  the Corporation to new or emerging high potential forms of
               production  and  distribution  which  could either be acquired or
               developed  internally.

          20.  Comment on the Corporation's corporate development including such
               factors  as  position  in  competitive  environment,  financial
               performances  vs. competition, strategies, operational viability,
               etc.

          21.  Identify  prospective suitable merger or acquisition partners for
               the  Corporation,  perform  appropriate  diligence investigations
               with  respect thereto, advise the Corporation with respect to the
               desirability  of  pursuing  such  prospects,  and  assist  the
               Corporation  in  any  negotiations  which  may  ensue  therefrom.

          2.5                 BUSINESS  STRATEGIES

               1.       Evaluate business strategies and recommend changes where
               appropriate.

               2.      Critically evaluate the Corporation's performance in view
               of  its  corporate  planning  and  business  objectives.

3.        COMPENSATION


     For  the services and duties to be rendered and performed by the Consultant
during  the  Engagement  Period  and in consideration of the Consultant's having
entered  into his agreement, Consumers Financial Corp. (CFIN) agrees to issue to
the  Consultant  17,000  shares  of  CFIN  Common Stock (the "Consulting Stock")
pursuant  to an S-8 registration statement. The consulting stock shall represent
shares  based  on  CFIN's  current  capitalization prior to the occurrence of an
anticipated  reverse  stock  split,  and will be issued prior to the engagement.

2.        SECRETS


Consultant  agrees that any trade secrets or any other like information of value
relating  to  the  business  of  the Corporation or any of its affiliates has an
ownership  interest  of  more  than twenty-five percent (25%), including but not
limited to, information relating to inventions, disclosures, processes, systems,
methods,  formulae,  patents, patent application, machinery, materials, research
activities  and  plans,  costs  of  production, contract forms, prices volume of
sales,  promotional methods, list of names or classes of customers, which he has
heretofore  acquired  during  his  engagement  by  the Corporation or any of its
affiliates or which he may hereafter acquire during the Engagement Period as the
result of any disclosures to him, or in any other way, shall be regarded as held
by  the  Consultant  in  a  fiduciary  capacity  solely  for  the benefit of the
Corporation, its successors or assigns, and shall not at any time, either during
the  term of this Agreement or thereafter, be disclosed, divulged, furnished, or
made  accessible by the Consultant to anyone, or be otherwise used by his except
in  the  regular  course  of  business  of  the  Corporation  or its affiliates.


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5.   Assignment

     This  Agreement  may  be assigned by the Corporation as part of the sale of
substantially  all  of its business, provided, however, that the purchaser shall
expressly  assume  all  obligations  of  the  Corporation  under this Agreement.
Further,  this  Agreement  may  be  assigned by the Corporation to an affiliate,
provided  that  any  such affiliate shall expressly assume all obligation of the
Corporation  under  this  Agreement,  and  provided further that the Corporation
shall  then  fully guarantee the performance of the Agreement by such affiliate.
Consultant  agrees  that  if  this  Agreement  is so assigned, all the terms and
conditions of this Agreement shall be between assignee and himself with the same
force  and  effect  as if said Agreement had been made with such assignee in the
first  instance.  This Agreement shall not be assigned by the Consultant without
the  express  written  consent  of  the  Corporation.


6.   SURVIVAL  OF  CERTAIN  AGREEMENTS

     The  covenants  and  agreements  set forth in Article 4 and Article 5 shall
survive  the  expiration  of  the  Engagement  Period  and  shall  all  survive
termination  of this Agreement and remain in full force and effect regardless of
the  cause  of  such  termination.

7.   NOTICES


     7.1 All notices permitted to be given hereunder shall be delivered by hand,
telecopier,  or  recognized  courier service to the party to whom such notice is
required  or  permitted  to  be  given  hereunder.  Any notices delivered to the
address  designated for such delivery by such party, notwithstanding the refusal
of  such  party  or  other  person  to  accept  such  delivery.

     7.2  Any  notice  to  the Corporation or to any assignee of the Corporation
shall  be  addressed  as  follows:  132  Spruce  Street,  Cedarhurst,  NY  11516

     7.3  Any  notice  to  Consultant  shall  be  addressed as follows: 2716 St.
Andrews  Blvd.,  Suite  200,  Tarpon  Springs,  Florida  34688.


     7.4 Either party may change the address to which notice is to be addressed,
by  notice  as  provided  herein.

8.   APPLICABLE  LAW


     This  Agreement  shall  be  interpreted and enforced in accordance with the
     laws  of  New  York.

9.   INTERPRETATION

     Whenever  possible,  each Article of this Agreement shall be interpreted in
such  manner  as  to  be  effective  and  valid under applicable law, but if any
Article  is  unenforceable  or  invalid  under  such  law, such Article shall be
ineffective  only  to the extent of such unenforceability or invalidity, and the


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remainder  of such Article and the balance of this Agreement shall in such event
continue  to  be  binding  and  in  full  force  and  effect.

     IN WITNESS WHEREOF, the parties hereto have executed the above Agreement as
of  the  day  and  year  first  above  written:



Notwithstanding anything contained herein to the contrary, (i) this Agreement
shall not be effective until June 16, 2003 and (ii) the services of the
Consultant shall not commence until the S-8 registration statement covering the
Consulting Stock shall have been filed with the SEC.



                                                 Consumers Financial Corporation

                                                 By:  /s/  Jack  Ehrenhaus
                                                 Name:  Jack  Ehrenhaus


                                                 By:  /s/ Mark  B.  Moline
                                                      --------------------
                                                      Mark  B.  Moline


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