KEY EXECUTIVE EMPLOYMENT AGREEMENT

         THIS KEY EXECUTIVE EMPLOYMENT AGREEMENT (the "Agreement") is made this
22nd day of March, 2006 (the "Effective Date"), by and between DIRECT RESPONSE
FINANCIAL SERVICES, INC., a Delaware Corporation (the "Company"), and DANIEL
BRANDT (the "Executive").

         WHEREAS, the parties are entering into this Agreement to set forth and
confirm their respective rights and obligations with respect to the Executive's
employment by the Company.

         NOW THEREFORE, in consideration of the mutual covenant set forth below,
the parties agree as follows:

                               TERMS & CONDITIONS

1.    EMPLOYMENT. Company hereby hires Executive as its Chief Financial Officer.
      For the initial 90 day period following the Effective Date, Executive
      shall have the title of Interim Chief Financial Officer.

2.    DUTIES. POLICIES. Executive agrees to serve as the Chief Financial Officer
      as defined in Exhibit "A," attached and incorporated herein by reference,
      subject to the terms set forth in this Agreement and the provisions of the
      Bylaws of the Company. Executive hereby accepts such employment on the
      terms and conditions described herein, and further agrees that the general
      employment practices and policies of Company shall govern the employment
      relationship. Where the terms of this Agreement and the general policies
      and procedures of the Company conflict, this Agreement shall control.
      Executive shall obtain the prior written approval of the Company's Board
      of Directors (which approval shall not be unreasonably withheld), before
      Executive shall be entitled to serve as director on the governing boards
      of other for-profit or not-for-profit entities and to retain any
      compensation and benefits resulting from such service, so long as such
      service does not unduly interfere with his duties and obligations under
      this Agreement.

3.    STANDARD OF PERFORMANCE. Executive shall at all times faithfully and
      industriously and to the best of Executive's ability, experience, and
      talents perform all of the duties that may be required of Executive and as
      may be assigned to Executive from time to time by the Board of the Company
      pursuant to the terms of this Agreement. Executive agrees to perform said
      duties during the hours of 8:00am to 5:00pm PST. Any work performed on
      weekends or holidays will be at the sole discretion of Executive.

4.    TERM. The term of Executive's employment, pursuant to this Agreement, will
      commence on the 1st day of March, 2006 (the "Commencement Date") and
      continue until the 28th day of February, 2008 (the "End Date"), or upon
      termination of this Agreement described in Section 12 below, whichever
      shall occur first. This provision is for reference and convenience of the
      parties to this Agreement and in no way diminishes the at-will nature of
      this Agreement.
<PAGE>

5.    LOCATION. Executive's primary place of business shall be at the Company's
      headquarters in Westlake Village, California.

6.    TRAVEL. Executive understands and agrees that it may be necessary for him
      from time to time to travel to other locations either in the domestic
      United States or internationally. Executive shall be promptly reimbursed
      by Company for approved travel expenses pursuant to Section 10, below.

7.    RENEWAL. If this Agreement has not been previously terminated pursuant to
      Section 12 below, then, without further action by either party, this
      Agreement shall be renewed for a period of one year from the End Date, and
      in each succeeding year for an additional one year renewal term or, in
      each case until termination as described herein. Such term is for
      convenience only and does not diminish the at-will nature of this
      Agreement.

8.    COMPENSATION. In consideration of all services rendered during the term of
      this Agreement, Company shall pay Executive the amounts described in
      Exhibit "A", which is attached and incorporated fully by reference herein.
      Executive will receive no additional compensation for serving the Company
      in any other capacity, unless by prior written approval of the Board of
      Directors.

      a.    BENEFITS. Subject to Section 9 and upon satisfaction of applicable
            eligibility requirements, Executive shall be entitled to participate
            in all fringe benefits which Company may from time to time make
            generally available to other Executives of the Company with
            comparable responsibilities, subject to the provisions of those
            programs, including but not limited to incentives, bonuses,
            retirement, profit-sharing, life, medical, disability, and other
            plans and programs (collectively "Benefits") as may be offered by
            Company from time to time.

      b.    STOCK ENTITLEMENT. Executive shall be entitled to stock in Company
            as described in Exhibit "A." Said entitlement is based upon
            Executive's continued employment, subject to the provisions of
            Sections 12 and 13 below, during the initial term of this Agreement.
            All stock granted to Executive pursuant to this Agreement shall be
            "Rule 144" restricted common stock.

      c.    INCENTIVE BONUS COMPENSATION. Executive shall be entitled to
            incentive bonus compensation as described in Exhibit "A" as well as
            participate in any future Company incentive bonus compensation plan
            as Company may adopt from time to time.


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<PAGE>

      d.    STOCK INCENTIVE PLAN. Executive shall be entitled to incentive stock
            as described in Exhibit "A." Said entitlement is based upon
            Executive's continued employment with Company. Executive shall also
            be entitled to participate in the Company's stock option plan at an
            Executive level. All stock options shall be subject to the stock
            option plan and stock option agreement approved by the Company board
            of directors.

      e.    VACATION. Executive shall be entitled to vacation time, as defined
            in Exhibit "A" attached hereto and incorporated by reference herein,
            during each year of the term of the Agreement. Executive shall take
            vacations in accordance with the Company's policies as they may
            change from time to time. Further, Executive agrees that vacations
            shall be taken at a time convenient for the Company as signified by
            the approval of the Company officer to whom the Executive has direct
            reporting responsibility.

9.    DEDUCTIONS. Company shall, after Executive's initial 90 days of
      employment, deduct and withhold from all compensation payable to Executive
      all amounts required to be deducted or withheld pursuant to any present or
      future federal, state, or local law, ordinance, regulation, order, writ,
      judgment, or decree requiring such deduction or withholding.

10.   EXPENSES. The Company shall promptly reimburse Executive, in accordance
      with the Company's policies and procedures in effect from time to time,
      for all expenses reasonably incurred by Executive in performance of
      Executive's duties under this Agreement. Expenses exceeding $1,000 in any
      calendar month must be pre-approved in writing by the Company's Chief
      Executive Officer. Executive is responsible for proper substantiation and
      reporting of actual and incurred expenses. Executive may consult with a
      tax advisor to determine the deductibility or taxability of payments made
      under this section.

11.   INDEMNIFICATION. The Company shall indemnify, to the full extent and in
      the manner permitted under the laws of the State of California and any
      other applicable laws, any person made or threatened to be made a party to
      an action or proceeding, whether criminal, civil, administrative or
      investigative, by reason of the fact that Executive is or was a director
      or officer of the Company or served any other enterprise as a director of
      officer at the request of the Company; such right of indemnification shall
      be applicable to the executors, administrators and other similar legal
      representatives of the Executive. The provisions of this section shall be
      deemed to be a contract between the Company, and any repeal or
      modification of this section shall not affect any rights or obligations
      then existing with respect to any state of facts then existing or any
      action, suit or proceeding brought based in whole or in part upon any such
      state of facts. The foregoing rights of indemnification shall not be
      deemed exclusive on any other rights to which the Executive or his legal
      representative may be entitled apart from the provisions of this section.
      The Company's indemnification obligations shall be binding on the Company
      and its successors and assigns and shall inure to benefit of and, where
      applicable, shall be binding on each party entitled to indemnification
      herein.

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<PAGE>

12.   TERMINATION. This Agreement and Executive's employment by Company may be
      terminated by either party prior to the end of the initial term (or any
      renewal period) upon thirty (30) days' prior written notice to the other
      party, with termination date effective upon the lapse of thirty (30) days
      from the receipt of notice of intent to terminate (the "Effective
      Termination Date"). Executive's employment may be terminated i) upon any
      change of control as described in Subsection (a) below; ii) Executive's
      death or disability as described in Subsection (b) below; iii) for any
      reason other than for cause or non-performance at any time; or iv) for
      cause, as defined in Subsection (c) below.

      a.    CHANGE OF CONTROL. The term "Change of Control" shall mean any sale,
            merger or hostile takeover of Company which has the effect of
            causing involuntary or constructive termination of the Executive
            within one year after the event described above. Equity grants shall
            completely vest upon the completion of Change of Control described
            in this section. In the event of constructive termination any "Post
            Termination Benefits" will be paid in accordance with Exhibit "A."

      b.    DISABILITY. The term "disability" means the determination under the
            Company's Disability Plan, as issued from time to time, that the
            Executive is eligible to receive a disability benefit.

      c.    CAUSE. The term "cause" in the event of termination of the Executive
            employment means: i) the commission of any act of fraud,
            embezzlement or dishonesty by the Executive that is materially and
            demonstrably injurious to the Company; ii) any act or omission by
            Executive which constitutes a default or breach of the terms in this
            Agreement, including, but not limited to Sections 14, 15, 16, any
            bylaws or other governing material of the Company; iii) any other
            intentional misconduct by the Executive that has a material adverse
            affect on the business or affairs of the Company or its affiliates;
            and iv) any non-performance of employment duties by Executive.
            "Intentional misconduct" means any act or omission that is
            detrimental to the business or the reputation of the Company as
            perceived by the general public and similar industry participants.
            "Non-performance" means the determination by a majority of the Board
            of Directors, in their sole and absolute discretion, that the
            Executive refuses or is not performing the duties or obligations as
            defined by this Agreement. The Board shall provide the Executive
            with written notice which specifically identifies the manner in
            which the Board believes Executive is not performing the duties and
            obligations as defined herein.

13.   CONSEQUENCES OF TERMINATION. In the event of termination as described in
      Section 12, Company shall be obligated to make payments and provide
      benefits accrued to the Executive within fifteen (15) business days of the
      Effective Termination Date.

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<PAGE>

      a.    TERMINATION BY EMPLOYER.

            i.    FOR CAUSE. Upon effective termination for cause, Executive is
                  entitled to accrued salary, vested stock, and benefits. No
                  severance will be paid and Executive may be liable for any and
                  all legal fees, costs, judgments, fines, attorneys' fees and
                  costs, related to the litigation or dispute resolution, fines
                  or judgments incurred as a result of Executive's conduct as
                  described in Section 12(c).

            ii.   WITHOUT CAUSE. Where Company terminates Executive at its sole
                  discretion, Executive is entitled to accrued salary, vested
                  stock, and the Post Termination Benefits as the Company has
                  made available from time to time, specifically as identified
                  in Exhibit "A" herein.

      b.    TERMINATION BY EXECUTIVE.

            i.    VOLUNTARY. Where Executive voluntarily terminates Executive's
                  employment with Company, for any reason other than retirement,
                  disability, as defined in Section 12(b), or "cause" as defined
                  in Section 12(c) above, Executive is entitled to accrued
                  unpaid salary and any benefits required by law. Any Post
                  Termination Benefits are not available and not payable to
                  Executive should Executive terminate employment by reason
                  hereof.

            ii.   INVOLUNTARY. Where Executive's employment is terminated due to
                  retirement, death or disability, then the Executive or the
                  Executive's representative (including anyone representing
                  Executive's interests subsequent to the above-mentioned
                  events) is entitled to any accrued unpaid salary, vested stock
                  and Post Termination Benefits.

      c.    POST TERMINATION BENEFITS. Subject to the provisions relating to
            Termination in Sections 12 and 13 above and subject to any specified
            terms in Exhibit "A," Post Termination Benefits are limited to such
            benefits described therein.

14.   CONFIDENTIAL AND PROPRIETARY INFORMATION OBLIGATIONS. During the term of
      employment under this Agreement, Executive will have access to and become
      acquainted with Company's confidential and proprietary information
      (collectively, "Proprietary Information"), including but not limited to
      information or plans concerning Company's customer relationships; client
      lists; personnel; sales, marketing, and financial operations and methods;
      trade secrets; formulas; devices; secret inventions; processes; and other
      compilations of information, records, and specifications, designated and
      treated as confidential and propriety property of Company. Executive
      acknowledges that such Proprietary Information constitutes or contains in
      whole or part Company Trade Secret and is the sole property of Company.
      Executive shall not utilize, employ, distribute, replicate or retain any
      Proprietary Information for Executive's own benefit or the benefit of any
      third party. Any Proprietary Information removed shall immediately be
      returned to Company upon termination of employment.

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<PAGE>

15.   NONDISCLOSURE. Executive shall not disclose any of Company's Proprietary
      Information directly or indirectly, or use it in any way, either during
      the term of this Agreement or at any time thereafter, except as reasonably
      necessary in the course of his employment for Company or as authorized in
      writing by Company. All files, records, documents, computer-recorded or
      electronic information, drawings, specifications, equipment, and similar
      items relating to Company's business, whether prepared by Executive or
      otherwise coming into his possession, shall remain Company's exclusive
      property and shall not be removed from Company premises under any
      circumstances whatsoever without Company's prior written consent, except
      when (and only for the period) necessary to carry out Executive's duties
      hereunder.

16.   NON-COMPETITION. Executive agrees that, during the term of this Agreement,
      Executive shall not knowingly, without Company's prior written consent
      (which consent will not be unreasonably withheld), directly or indirectly,
      be employed by, be connected with, or otherwise have an interest in,
      including, but not limited to an Executive, consultant, officer, director,
      partner, stockholder, joint-venturer, with any person or entity owning,
      managing, controlling, operating or otherwise participating or assisting
      in businesses that directly or indirectly compete with the business of
      Company in any location; provided, however, that the foregoing shall not
      prevent Executive from being a stockholder of less than one percent (1%)
      of the issued and outstanding securities of any class of a corporation
      listed on a national securities exchange or designated as national market
      system securities on an inter-dealer quotation system by the National
      Association of Securities Dealers, Inc. The breach or violation of this
      section will be immediate grounds for termination, forfeiture of any and
      all post termination benefits and all stock options.

17.   INJUNCTIVE RELIEF. The parties agree that damages would be an inadequate
      remedy for Company in the event of a breach or threatened breach of
      Sections 14, 15 or 16 of this Agreement by Executive, and in the event of
      any such breach or threatened breach, Company may, either with or without
      pursuing any potential damage remedies, obtain and enforce an injunction
      prohibiting Executive from violating this Agreement and requiring
      Executive to comply with its terms.

18.   EXECUTIVE'S REPRESENTATIONS. Executive hereby represents and warrants to
      Company that he: (a) is not now under any contractual or quasi-contractual
      obligation that is inconsistent or in conflict with this Agreement or that
      would prevent, limit or impair Executive's performance of his obligations
      under this Agreement; (b) that he has been advised that he may seek the
      advice and representation of independent counsel prior to entering into
      this Agreement; and (c) fully understands its terms and provisions.

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<PAGE>

19.   DISPUTE RESOLUTION AND BINDING ARBITRATION. Executive and Company agree
      that, if a dispute arises concerning or relating to Executive's employment
      with Company, the dispute shall be submitted to binding arbitration under
      the rules of the American Arbitration Association (AAA) then in effect.
      The arbitration shall take place in Los Angeles, California, and both
      Executive and Company agree to submit to the jurisdiction of the
      arbitrator selected in accordance with AAA rules and procedures. Except as
      set forth in Section 17, Executive and Company agree that this arbitration
      procedure will be the exclusive means of redress for any disputes relating
      to or arising from Executive's employment with Company, including disputes
      over rights provided by federal, state or local statutes, regulations,
      ordinances, and common law, including all laws that prohibit
      discrimination based on any protected classification. The parties
      expressly waive the right to a jury trial, and agree that the arbitrator's
      award shall be final and binding on both parties, and non-appealable. The
      arbitrator shall have discretion to award monetary and other damages, or
      to award no damages, and to fashion any other relief the arbitrator deems
      appropriate. The arbitrator shall have discretion to award the prevailing
      party reasonable costs and attorney fees incurred in bringing or defending
      an action under this Section.

20.   ATTORNEYS' FEES. If any legal proceeding is necessary to enforce or
      interpret the terms of this Agreement, or to recover damages for breach of
      this Agreement, the prevailing party shall be entitled to reasonable
      attorney fees, as well as costs and disbursements, in addition to any
      other relief to which the prevailing party may be entitled.

21.   NOTICES. Any notices provided hereunder must be in writing and shall be
      deemed effective on the earlier of personal delivery (including personal
      delivery by facsimile) or the third day after mailing first class mail to
      the recipient at the address indicated below:

      Direct Response Financial Services, Inc.             DANIEL BRANDT
      c/o Douglas R. Hume, Esq.                            8296 Gould Avenue
      31416 W. Agoura Road, Ste. 240                       Los Angeles, CA 90046
      Westlake Village, CA 91361

      or to such other address or to the attention of such other person as the
      recipient party will have specified by prior written notice to the sending
      party.

22.   SEVERABILITY. If any term, provision, or part of this Agreement is found
      by a court to be invalid, illegal, or incapable of being enforced by any
      rule of law or public policy, all other terms, provisions, and parts of
      this Agreement shall nevertheless remain in full force and effect as long
      as the economic or legal substance of the transactions contemplated hereby
      is not affected in any manner materially adverse to any party. On such
      determination that any term, provision, or part of this Agreement is
      invalid, illegal or incapable of being enforced, this Agreement shall be
      deemed to be modified so as to effect the parties' original intent as
      closely as possible to the end that the transactions contemplated by this
      Agreement and the terms and provisions of this Agreement are fulfilled to
      the greatest extent possible.

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<PAGE>

23.   ENTIRE AGREEMENT. This document constitutes the final, complete, and
      exclusive embodiment of the entire agreement and understanding between the
      parties related to the subject matter of the Agreement and supersedes and
      preempts any prior or contemporaneous understandings, agreements, or
      representations by or between the parties, written or oral. Without
      limiting the generality of the foregoing, except as provided in this
      Agreement, all understandings and agreements, written or oral, relating to
      Executive's employment by Company, or the payment of any compensation or
      the provision of any benefit in connection therewith or otherwise, are
      hereby terminated and shall be of no future force and effect.

24.   COUNTERPARTS. This Agreement may be executed on separate copies, any one
      of which need not contain signatures of more than one party, but all of
      which taken together will constitute one and the same agreement.

25.   SUCCESSORS AND ASSIGNS. This Agreement is intended to bind and inure to
      the benefit of and be enforceable by Executive and Company, and their
      respective successors and assigns, except that Executive may not assign
      any of his rights or duties under this Agreement without Company's prior
      written consent.

26.   AMENDMENTS. No amendments or other modifications to this Agreement may be
      made except by a writing signed by both parties. Except for Executive's
      estate or legal representative and affiliates of Company, nothing in this
      Agreement, express or implied, is intended to confer on any third person
      any rights or remedies under or because of this Agreement.


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<PAGE>

27.   CHOICE OF LAW. Executive and Company agree that this Agreement shall be
      interpreted in accordance with and governed by the laws of the State of
      California.

      IN WITNESS WHEREOF, the parties now execute this Agreement, to be
effective on the date first stated in this Agreement.

         ACKNOWLEDGED AND ACCEPTED:
         DANIEL BRANDT


    By:  /s/ Daniel Brandt
         -------------------------


         ACCEPTED AND AGREED:
         DIRECT RESPONSE FINANCIAL SERVICES, INC.


   By:   /s/ T. Randolph Catanese
         ------------------------
         T. Randolph Catanese
         Chief Executive Officer


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<PAGE>

                                    EXHIBIT A

1. JOB DESCRIPTION - Executive shall serve in an executive capacity and shall
perform such duties as are consistent with his position as Chief Financial
Officer and as may be reasonably required by Company's Board of Directors (the
"Board"). Such duties shall include, without limitation, the duties and
responsibilities typically carried out by a Chief Financial Officer of a
corporation, specifically including: Management of Company financial operations
including coordination with Company accountants, investor development and market
development re stock investment by institutional investors, leading and
coordinating Company's efforts to develop and implement strategic and operating
plans for Company; executing day-to-day financial management of Company;
supporting the development and growth of Company, .

2. COMPENSATION - $5,000.00 per month for first twelve (12) months following the
Effective Date. During the twelfth month following the Effective Date, Company
and Executive agree to meet to renegotiate in good faith compensation for the
remainder of the Term. Further, during the Term of employment, Executive shall
be granted 500,000 Rule 144 shares of Company common stock, vesting monthly over
twenty-four (24) months. Stock shall be issued to Executive on a quarterly basis
following each quarter of vesting.

3. BONUS COMPENSATION - Executive shall have the opportunity to receive bonus
compensation dependent upon Company performance as follows:

         For each calendar month that the Company's Direct2Own division books
gross sales in the amount of $500,000, Executive shall receive bonus
compensation totaling One Thousand Dollars ($1,000) for that month.

         For each calendar month that the Company's Direct2Own division books
gross sales in the amount of $750,000, Executive shall receive an additional
Five Hundred Dollars ($500.00) for that month.

         For each calendar month that the Company's Direct2Own division books
gross sales in the amount of $1,000,000, Executive shall receive an additional
Five Hundred Dollars ($500.00) for that month.

         For example, should Company's Direct2Own division book gross sales in
the amount of $1,000,000 for calendar month August, 2006, Executive shall
receive bonus compensation for that month in the amount of Two Thousand Dollars
($2,000).

4. INCENTIVE STOCK GRANTS- Should the price of the Company's stock reach Ten
Cents ($0.10) per share, Executive shall be granted 250,000 shares of Company
stock. Should the price of the Company's stock reach Twenty Cents ($0.20) per
share, Executive shall be granted an additional 250,000 shares of Company stock.
Such stock shall be in the form of either S-8 free trading shares or stock
options, at Executive's election.

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<PAGE>

5. VACATION - No vacation shall be granted to Executive during the first twelve
(12) months of the Agreement. During the twelfth month following the Effective
Date, Company and Executive agree to meet to renegotiate in good faith vacation
days for the remainder of the Term.

6. POST TERMINATION BENEFITS - Executive will receive no post-termination
benefits during the first twelve (12) months of the Agreement. During the
twelfth month following the Effective Date, Company and Executive agree to meet
to renegotiate in good faith post-termination benefits for the remainder of the
Term.



ACKNOWLEDGED:   Executive: /s/ Daniel Brandt    Company: T. Randolph Catanese
                           -----------------             --------------------

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