Exhibit 4.1

                          CONSULTING SERVICES AGREEMENT

      This Financial  Consulting Services Agreement (the "Agreement") is entered
into  on  this  15th  day  of  January,  2004  by  and  between  Mohamed  Verjee
("Consultant")  an Independent  Consultant and BIB Holdings Ltd.  ("Client"),  a
Nevada corporation, with references to the following:

                                    RECITALS

      A.    The Client desires to be assured of the  association and services of
            the  Consultant's  experience,   skills,  abilities,  knowledge  and
            background to facilitate long range strategic planning and to advise
            the Client in business and/or IT matters and is therefore willing to
            engage  the  Consultant  upon the  terms  and  conditions  set forth
            herein.  Client is engaged in the design,  source and  marketing  of
            high quality apparel business (the "Clients Business"):

      B.    The  Consultant  agrees to be engaged and retained by the Client and
            upon the terms and conditions set forth herein:

      NOW, THEREFORE,  in consideration of the foregoing, of the mutual promises
hereinafter set forth and for other good and valuable consideration, the receipt
and  sufficiency of which are hereby  acknowledged,  the parties hereto agree as
follows:

      1.    Engagement.  Client  has  retained  Consultant  for the  purpose  of
            assisting the Company in the conduct of its business,  including its
            day-to-day  operations.  It is contemplated  that the services to be
            rendered by Consultant will include,  but not necessarily be limited
            to:

      o     Development of Brand/Identity in the current market place
      o     Work in conjunction with current professional on the creation of new
            website in progress
      o     Coordinate  with  current  system  administration  on new  ideas and
            development
      o     General IT  Consulting o Computer  Related  Services -  computerized
            research and research services

The  Consultant  shall  perform  the duties  asked upon within the scope of this
contract  and agrees to dedicate at a minimum  twenty-five  hours a week towards
the Company's business

It is understood that the services to be provided by Consultant, as agreed to by
the parties  pursuant to this agreement,  shall include,  but not be limited to,
non-promotional  services necessary to assure compliance by the Company with the
provisions of the 1933 and 1934 Act, and regulations  adopted pursuant  thereto.
Consultant  shall have no  responsibility  for the  accuracy of the  substantive
representations  or  representations  of fact  which are or may be  included  in
documents filed with the Securities and Exchange Commission.

The Company shall be solely  responsible for the substantive  content of any SEC
filings and the truthfulness of all statements made therein. .

      2.    Term. The term ("Term") of this Agreement shall commence on the date
            hereof and  continue for Twelve (12) months.  The  Agreement  may be
            extended  upon  agreement by both parties upon terms and  conditions
            agreed  to  by  the  parties,  unless  or  until  the  Agreement  is
            terminated.  Either party may cancel this  Agreement  upon five days
            written  notice in the event  either  party  violates  any  material
            provision of this Agreement and fails to cure such violation  within
            five (5) days of written  notification  of such  violation  from the
            other  party.  Such  cancellation  shall not  excuse  the  breach or
            non-performance by the other party or relieve the breaching party of
            its obligation incurred prior to the date of cancellation. Client is
            aware that  Consultant  has no power or control of the  approval  of
            Client's  registration.  It is expected by both parties that filings
            will be made within ninety days and approval within six months.

      3.    Compensation and Fees. As consideration for Consultant entering into
            this Agreement, Client shall pay Consultant the following:


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            A.    Forty Eight Thousand Dollars ($48,000.00), payable as follows;
                  $4,000.00  upon the signing of this  Agreement  and  $4,000.00
                  thirty days later and $4,000.00  every thirty days  thereafter
                  until Client has paid Consultant  $48,000.00.  Or:  Consultant
                  agrees to  immediately  accept a lump sum of 300,000 shares of
                  S-8 stock in lieu of cash, in payment for services in advance,
                  for the entire term of this contract.  The Shares, when issued
                  to  consultant,  will be duly  authorized,  validly issued and
                  outstanding,  fully paid and non-assessable,  free trading and
                  will not be subject to any liens or encumbrances.

            B.    Expenses incurred by Consultant  including but not limited to;
                  filing  fees,  audit  and legal  fees,  transfer  agent  fees,
                  printing,   postage,   FedEx,   web  site   construction   and
                  maintenance,  public relations fees, CUSIP,  Standard & Poor's
                  or any other  cost that  Consultant  might  incur on behalf of
                  Client.  Reimbursement  for expenses will be due each month as
                  invoiced.

      4.    Exclusivity,   Performance,   Confidentiality.   The   services   of
            Consultant hereunder shall not be exclusive,  and Consultant and its
            agents may perform  similar or different  services for other persons
            or  entities   whether  or  not  they  are  competitors  of  Client.
            Consultant  shall  be  required  to  expend  only  such  time  as is
            necessary to service  Client in a  commercially  reasonable  manner.
            Consultant  acknowledges  and agrees that  confidential and valuable
            information proprietary to Client and obtained during its engagement
            by the  Client,  shall not be,  directly  or  indirectly,  disclosed
            without the prior express written consent of the Client,  unless and
            until such information is otherwise known to the public generally or
            is not otherwise secret and confidential.

      5.    Independent Contractor. In its performance hereunder, Consultant and
            its  Agents  shall  be  independent  contractors.  Consultant  shall
            complete the services required hereunder  according to his own means
            and  methods of work,  which  shall be in the  exclusive  charge and
            control of  Consultant  and which shall be subject to the control or
            supervision of Client,  except as to the results of the work. Client
            acknowledges  that nothing in this  Agreement  shall be construed to
            require  Consultant  to provide  services to Client at any  specific
            time,  or in any specific  place or manner.  Payments to  Consultant
            hereunder  shall  not be  subject  to  withholding  taxes  or  other
            employment taxes as required with respect to compensation paid to an
            employee.

      6.    Miscellaneous.  No waiver of any of the provisions of this Agreement
            shall be deemed or shall  constitute a waiver of any other provision
            and no waiver shall constitute a continuing  waiver. No waiver shall
            be  binding  unless  executed  in  writing  by the party  making the
            waiver. No supplement,  modification, or amendment of this Agreement
            shall be binding  unless  executed in writing by all  parties.  This
            Agreement  constitutes the entire agreement  between the parties and
            supersedes any prior agreements and negotiations. There are no third
            party beneficiaries of this Agreement.

      IN WITNESS WHEREOF, the parties hereto have entered into this Agreement on
the date first written above.

                                        "Client"

                                        Signature: /s/ Mark Binder
                                                  ------------------------------
                                        Print with Title: Mark Binder, Chairman
                                        Company:  BIB Holdings, Ltd.

                                        "Consultant"

                                        Signature: /s/ Mohamed Verjee
                                                  ------------------------------
                                        Print with Title: Mohamed Verjee


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