WEB LINKING AGREEMENT

THIS  AGREEMENT  dated  as  of  August  17,  1999

BETWEEN:

CITIZENS  BANK  OF  CANADA,  having an office at 401 - 815 West Hastings Street,
Vancouver,  British  Columbia,  V6C  1B4  (fax:  (604)  708-7790)

("Citizens")

AND:

QUOTES  CANADA  FINANCIAL  NETWORK  LTD.,  having  an  office at 1409 - 675 West
Hastings  Street,  Vancouver,  British  Columbia,  V6B 1N2 (fax: (604) 408-1377)

("Quotes  Canada")

(each  of  Citizens  and  Quotes  Canada  are  referred  to herein as a "Party")

WHEREAS:

A.     Quotes  Canada  maintains  a  world  wide  web  ("Web")  site  located at
www.quotescanada.com  (the  "Investment  Site");

B.     Citizens  maintains  a  Web  site  located  at  www.citizensbank.ca  (the
"Citizens  Site");

C.     Quotes Canada wishes Citizens to develop certain content for the Citizens
Site  which  Quotes  Canada  intends  to have the Investment Site linked to: and

D.     Citizens  wishes Quotes Canada to provide links on the Investment Site to
certain  pages  of  the  Citizens  Site.

NOW  THEREFORE  the  Parties  have agreed to the following terms and conditions:

1.     Linking.  Quotes  Canada agrees to provide links from the Investment Site
to the Citizens Site in accordance with the terms of this Agreement and Citizens
hereby  agrees  to  permit Quotes Canada to link from the Investment Site to the
Citizens  Site  in accordance with the terms of this Agreement.  This permission
is  given  on  the  basis  that  Quotes  Canada's  linking  rights hereunder are
non-exclusive  and  non-transferable.  Citizens agrees to provide links from the
Citizens  Site  to  the  Investment  Site  in  accordance with the terms of this
Agreement  and  Quotes  Canada hereby agrees to permit Citizens to link from the
Citizens  Site  to  the  Investment  Site  in  accordance with the terms of this
Agreement.  This  permission is given on the basis that Citizens' linking rights
hereunder  are  non-exclusive  and  non-transferable.

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2.     Link Locations.  Quotes Canada agrees to link the Investment Site only to
the  locations  within  the  Citizens Site noted on Schedule A (the "Locations")
with  such links being only being provided by Buttons (as defined in Section 8).
Citizens  agrees  to link to the Investment Site only from (i) the Locations; or
(ii) such other Web pages in the Citizens Site as approved by Quotes Canada with
such  links  only  being  provided  by  Buttons.

3.     Content  and  Style.  Citizens  agrees  to develop the Locations within a
reasonable  period  of  time  so  that  they  have  a  style and content as more
particularly  described  in  Schedule  A.  Quotes Canada shall provide input and
assistance  to Citizens in the development of the Locations.  The ultimate style
and  content  of  the Locations shall, however, be determined by Citizens in its
sole discretion.  Citizens shall be the exclusive owner of the Locations and all
intellectual  property  rights  related  thereto  (collectively, the "Content").
Quotes  Canada  hereby assigns to Citizens any and all right, title and interest
throughout  the world and universe, including without limitation, all copyright,
trade-marks,  trade  secrets,  patent rights and any other intellectual property
rights  in  and  to the Content which it may otherwise acquire, effective at the
time  each is created.  Quotes Canada covenants that it shall not, either during
the  term  of  this Agreement of thereafter, directly or indirectly, contest, or
assist  any third party to contest, Citizens' ownership of the Content.  Without
limiting the generality of the foregoing, Quotes Canada agrees that it shall not
duplicate,  reproduce, copy, use or otherwise take any action either directly or
indirectly  with respect to the Content except as otherwise expressly set out in
this Agreement.  Notwithstanding the foregoing, Citizens acknowledges and agrees
that  Link  Logos  (as  defined  in  Section  7(3)) of Quotes Canada used in the
Locations or otherwise used by Citizens shall be the sole and exclusive property
of  Quotes  Canada  pursuant  to  Section  7(2)  below.

4.     Reporting.  Within  thirty (30) days after the end of each calendar month
Citizens  shall  provide  a  report  to Quotes Canada of (i) total number of web
pages  of  each  Location  that  have been loaded into the browser of a Web user
("Impressions");  (ii)  total  number of completed on-line applications from the
Locations  ("Applications");  and  (iii)  total  number  of  approved  and  (as
applicable)  funded  Applications.  Quotes  Canada  and its employees or related
person or parties shall not take any actions, directly or indirectly, which will
artificially  increase  the  number  of  Impressions.  For greater certainty any
information reported by Citizens to Quotes Canada pursuant to this Section shall
be  deemed  to  be  Confidential  Information  (as  defined  in  Section 14(1)).

5.     Fees.  Citizens  agrees  that it shall pay to Quotes Canada these fees as
more  particularly  described  in  Schedule  B  (the "Fees").  The Fees shall be
payable  within thirty (30) days after the end of each calendar quarter for Fees
calculated  and  payable  with  respect  to  such  calendar  quarter.

6.     Uptime.  Quotes  Canada  acknowledges  that  the  availability  of  the
Investment Site to users is important for maximizing Impressions.  Consequently,
Quotes  Canada  agrees  to  use  commercially  reasonable  efforts  to  make the
Investment  Site  available  to users twenty-four hours a day seven days a week.

<PAGE>

7.     Trade-Mark  License.

     (1)     Citizens  hereby  grants  to  Quotes  Canada  a  non-exclusive,
non-transferable,  limited  license  to  use  only those trade-marks on Citizens
listed  on  Schedule  A  to  create  links  to  the  Locations.

     (2)     Quotes  Canada  hereby  grants  to  Citizens  a  non-exclusive,
non-transferable, limited license to use only those trade-marks of Quotes Canada
listed  on  Schedule  A  to  create  links  to  the  Investment  Site.

     (3)     Each  Party  agrees  that:

(a)     they  will  not alter the appearance of the other Party's trade-marks as
listed  in  Schedule  A  (the  "Link  Logos");

(b)     they  will  use  only  the  approved  graphical  image  of the Link Logo
supplied  by  the  other  Party;

(c)     the  Link Logos may not be reduced in size beyond what is electronically
provided  by  the  other  Party;

(d)     the  Link Logo must stand by itself and must include a minimum amount of
[30] pixels of empty space around it so as to avoid unintended associations with
other  objects,  including  without  limitation,  type, photography, borders and
edges;

(e)     they  will  comply  with  any other reasonable trade-mark usage policies
established  by  the  other  Party  from  time  to  time;

(f)     all  goodwill  associated with the other Party's Link Logos shall accrue
to  the  other  Party;

(g)     they  will  not  use  any  other  logos,  slogans, copyright material or
trade-marks  of  the  other  Party  except  for  the  Link  Logos;

(h)     they  will  not  use  the other Party's Link Logo as a feature or design
element  of  another  logo;

(i)     they  will not use the other Party's Link Logo more prominently than its
own  company,  product  or  Web  site  name  or  Logo;  and

(j)     they  will  include  a  notice  on their Web site to the effect that the
other  Party's  Link  Logo  is a trade-mark of the other Party and is used under
license.

     4.     Each Party acknowledges the other Party's worldwide ownership of its
Link  Logos  and  will  not  contest  such  ownership.

<PAGE>

8.     Approvals.  The  initial  location  and  appearance,  and  any subsequent
change in location or appearance, of the other Party's Link Logos or other forms
of  links  to  the  other Party's Web site (collectively, the "Buttons") on each
Party's  Web  site  shall  be subject to prior approval by the other Party which
approval  may  be  conditional  upon  the  inclusion of notices or statements as
required  by  the  approving  Party.  Each Party shall notify the other Party in
advance  of  any  move  or  modification  of the Buttons utilized by that Party.
Notwithstanding  the  foregoing,  neither  Party  shall  be  responsible for the
content  of  the  other  Party's  Web  site.

9.     Appropriate  Conduct.  Neither  Party  will use the Buttons in any manner
that  implies  sponsorship  or  product endorsement by the other Party.  Neither
Party will make negative or disparaging references to the other Party's products
or  services.  Neither Party will place the other Party's Web pages in a "frame"
within  its  own  site,  or  otherwise cause a user's browser to frame the other
Party's Web site such that both Party's sites appear on the same screen, without
prior written permission from the other Party.  Each Party agrees not to use the
other  Party's  Link  Logos in a manner or take any other action likely to cause
confusion  with,  dilute or damage the reputation or image of the other Party or
its  products or services.  Each Party agrees that its Web site will not contain
material  that  is  obscene, pornographic, excessively violent or which breaches
any  Canadian  federal  or  provincial  statute  or  regulation.  Subject to the
foregoing, each Party reserves the right to alter, modify or discontinue its Web
site  at  any  time.

10.     Warranties.  Each  Party represents and warrants to the other Party that
(i) each has duly registered the domain name of its respective Web site with all
applicable  authorities  and  possesses  all rights necessary to use such domain
name, and (ii) the content and material which it has placed on its Web site does
not  infringe  upon  or  violate  any  (a)  copyright,  patent,  trade-mark  or
proprietary  right  of  a  third party, or (b) any applicable law, regulation or
non-proprietary  third-party  right.

11.     Indemnity.  Each  Party  (the "First Party") agrees to indemnify, defend
and  hold  harmless  the  other Party and its directors, officers, employees and
agents  from  any  and  all  actions, claims, costs, damages, demands, expenses,
liabilities,  losses  and suites (including reasonable legal fees) arising from,
in  whole  or  in  part,  (i)  a  breach by the First Party of the warranties in
Section  10(ii),  a  claim that the First Party's Link Logos infringe or violate
the  intellectual  property  rights  of  a  third  party,  or  (iii) any acts or
omissions of the First Party or its employees or agents in performing under this
Agreement.

12.     Term  and  Termination.

     (1)     This  Agreement  shall continue until (i) such time as either Party
terminates this Agreement upon giving the other Party at least five days written
notice;  or  (ii)  immediately  upon delivery by one Party to the other Party of
written  notice  that such other Party has breached a material provision of this
Agreement.

     (2)     Upon termination of this Agreement (i) each Party shall immediately
remove  all  Buttons  from  its Web site; and (ii) neither Party shall under any
circumstances  provide  any link from its Web site to the other Party's Web site
nor  shall  either  Party  represent or otherwise take any action which could be
construed  as  suggesting  that  such  Party  has  any  relationship  with or is
otherwise  associated  with  the  other  Party.

<PAGE>

     (3)     Sections  5,  7(4),  11,  13,  14  and 16 and this Section 12 shall
survive  termination  of  this  Agreement.

13.     Limitation  of  Liability  Neither  Party  shall  be liable to the other
Party for any special or punitive damages, damages for lost profits or revenues,
or  for  any  other  types  of  economic  loss  or  consequential  damages.

14.     Confidential  and  Restricted  Information

     (1)     Each  Party acknowledges that the other Party (the "Discloser") may
disclose  to  such  Party  (the  "Recipient"), or allow the Recipient access to,
trade  secrets  and  other  information,  in the possession of the Discloser and
owned  by  the  Discloser  or  entities affiliated, associated or related to the
Discloser,  or  by  their  respective  suppliers,  customers  or  other business
partners,  that  is  not  generally  known  to  the  public  including,  without
limitation,  financial  information,  legal,  corporate,  marketing,  product,
technical,  personnel,  customer  and  supplier  information  and  any  other
information,  in whatever form or media, specifically identified as confidential
by  the  Discloser,  or  the  nature of which is such that it would generally be
considered confidential in the industry of the Discloser, or which the Discloser
is  obliged to treat as confidential or proprietary (collectively, "Confidential
Information").  The  Recipient  acknowledges  that  this  information  is  of
significant  value  to  the  Discloser.

     (2)     The  non-disclosure obligations of the Recipient under this Section
14  shall  not  apply  to  Confidential  Information  which  the  Recipient  can
establish:

(a)     is,  or  becomes,  readily  available to the public other than through a
breach  of  this  Section;

(b)     is  disclosed,  lawfully  and  not in breach of any contractual or other
legal  obligation,  to  the  Recipient  by  a  third  party;  or

(c)     through  written  records, was known to the Recipient, prior to the date
of  first  disclosure  of  the  Confidential Information to the Recipient by the
Disclosure.

     (3)     The  Recipient  acknowledges  that  Confidential Information is and
shall  be  the sole and exclusive property of the Discloser or its designate and
that  the  Recipient shall not acquire any right, title or interest in or to any
Confidential  Information.

     (4)     The  Recipient  shall  keep  all  Confidential Information strictly
confidential  and  shall  take  all  necessary  precautions against unauthorized
disclosure of the Confidential Information during the term of this Agreement and
thereafter.  Without  limitation,  the  Recipient  shall not, and shall take all
reasonable  steps  to  ensure that its employees do not, directly or indirectly,
disclose,  allow access to, transmit or transfer the Confidential Information to
a  third party without the Discloser's consent, or use or reproduce Confidential
Information, in any manner, except as reasonably required to fulfil the purposes
of  this  Agreement.  Notwithstanding  the  foregoing,  to  the  extent that the
Recipient  can  establish  it  is  required  by law to disclose any Confidential
Information,  it  shall  be  permitted  to  do  so, provided that notice of this
requirement  to  disclose  is  first  delivered to the Discloser, so that it may
contest  this  potential disclosure.  The Recipient shall ensure that all copies
of  Confidential  Information  are  clearly  marked,  or

<PAGE>

otherwise  identified  as confidential and proprietary to the Discloser, and are
stored in a secure location while in the Recipient's possession, control, charge
or  custody.

     (5)     Notwithstanding  any  other  provisions  of  this Section 14 or any
other  term  of  this  Agreement, there is certain information which Citizens is
prohibited  by  law  from  disclosing  to  third  parties  including,  without
limitation,  financial  and  personal  information  relating  to  its  customers
(collectively, "Restricted Information").  Quotes Canada therefore covenants and
agrees that it shall not either directly or indirectly take any steps or actions
which  result  in  or  which could have the effect of resulting in Quotes Canada
having  access  to  any  Restricted Information and Quotes Canada shall take all
reasonable steps to ensure that none of its employees or users of the Investment
Site  obtain  access  to  Restricted  Information.

15.     Citizens  Ethical  Policy.  Quotes Canada covenants and agrees to comply
with  Citizens'  ethical policy as such policy is amended from time to time (the
"Ethical  Policy").  The  form  of  the  Ethical  Policy  as of the date of this
Agreement  is  attached  hereto  as  Schedule  C.

16.     General

     (1)     Entire  Agreement.  This Agreement constitutes the entire agreement
and  understanding  between the Parties on the subject hereof and supersedes any
and  all  prior  oral  or  written  agreements,  statements,  representations,
warranties  or  understandings  by any Party, and all of which are merged herein
and  superseded  hereby.  Neither  Party  shall  be  bound  by  any  definition,
warranty,  condition or representation other than as expressly set forth in this
Agreement  or  as  may be set forth in a writing signed by the Party to be bound
thereby.  This  Agreement  may  not  be  modified  except by a written agreement
signed  by  the  Parties  hereto.

     (2)     Interpretation.  In  construing  this  Agreement or determining the
rights  of  the  Parties  hereto,  no  Party  shall be deemed to have drafted or
created  this  Agreement.

     (3)     Governing  Law.  This  Agreement is made and entered into under the
laws  of  the Province of British Columbia and shall be interpreted, applied and
enforced  under  those  laws.  The  Parties  hereby  agree  to  attorn  to  the
jurisdiction  of  the  courts  of  British  Columbia.

     (4)     Severability.  The  provisions of this Agreement are severable, and
if  any  one or more provisions is determined to be illegal, indefinite, invalid
or  otherwise  unenforceable,  in  whole or in part, the remaining provisions of
this  Agreement shall continue in full force and effect and shall be binding and
enforceable.

     (5)     Assignment.  Neither this Agreement nor any right or duty hereunder
shall  be assignable or delegable by either Party without the express consent of
the  other Party, and nothing in this Agreement, express or implied, is intended
to  confer  upon any person other than the Parties hereto any rights or remedies
under  or by reason of this Agreement.  This Agreement shall be binding upon and
shall  inure  to  the  benefit of the Parties hereto and their respective heirs,
administrators,  executors,  legal  representatives,  successors in interest and
permitted  assigns.

     (6)     Waiver.  No  waiver  of  any  provisions of this Agreement shall be
deemed  to  be  or  shall  constitute  a waiver of any provision, whether or not
similar,  nor  shall  any  waiver  constitute

<PAGE>

a  continuing  waiver.  No waiver shall be binding unless executed in writing by
the  Party  making  the  waiver.  The failure of any Party to object to any act,
omission  or breach by the other Party or to declare the other Party in default,
irrespective  of  how long such failure continues, shall not constitute a waiver
by  such  Party of any rights or remedies hereunder or otherwise provided at law
or  in  equity.

     (7)     Notices.  All  notices,  requests, demands and other communications
to  be given hereunder shall be in writing and shall be deemed to have been duly
given  on  the  date  of  personal  service or on the fifth day after mailing by
certified  or  registered mail or on the date sent by facsimile addressed to the
Parties  at  the  addresses noted on page one or at such other address as either
Party  may  hereafter  indicate  by  appropriate  notice.

     (8)     No  Agency.  Nothing  in  this  Agreement creates a relationship of
agency, partnership, joint venture, or the like between the Parties, and neither
Party  shall  be  entitled to, or purport to, bind or represent the other Party.
Neither  party shall do or allow any act which would imply apparent authority to
act  for  the  other  Party.

IN  WITNESS  WHEREOF the Parties have signed this Agreement as of the date first
above  written.

CITIZENS BANK OF CANADA                     QUOTES CANADA FINANCIAL NETWORK LTD.

By:                                         By:

Name:  Stephen  Midgley                     Name:  Paul  Dickson

Title:  Manager,  Interactive  Services     Title:  VP-Operations

<PAGE>

                                   SCHEDULE A

                            Locations and Link Logos

1.  Locations

URLs     Content

(a)     Calculators  and  rate  tables
(b)     on-line  account  application  ("Account  Application")
(c)     on-line  mortgage  application  ("Mortgage  Application")
(d)     on-line  VISA  applications  ("VISA  Applications")
(e)     on-line  personal loan / line-of-credit application ("Loan Application")
(f)     Printable  term  deposit  application
(g)     Citizens  Net

2.     Link  Logos

(a)     Citizens




(b)     Quotes  Canada


<PAGE>
                                   SCHEDULE B
                                      Fees

                                 Action     Fee

1.  Approved  Account  Application     $15  Cdn.

2.  Approved  and  Funded  Mortgage  Application     10  basis  points  of funds
advanced pursuant to the Mortgage Application which fee is a one time payment to
Quotes  Canada  and  not  a  reoccurring  payment

3.  Approved  VISA  Application     $15  Cdn.

4.  Approved  and  Funded  Loan  Application     $15  Cdn.


<PAGE>
                                   SCHEDULE C
                             Citizens Ethical Policy