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                                                                    EXHIBIT 10.3


              AGREEMENT FOR FINANCIAL PUBLIC SUPPORT/RETAIL SUPPORT
      (This contract has remained in force through out 2000 and they have
        functioned as our inbound and outbound public relations agency.)

This INVESTOR RELATION SERVICES Agreement (this "Agreement") is made effective
as of January 6, 2000, by and between "AMERICA'S SENIOR FINANCIAL SERVICES,
INC." ET AL, and THE CHARTERBRIDGE FINANCIAL GROUP, INC. In this Agreement, the
party who is contracting to receive the services shall be referred to as "AMSE"
or "CLIENT", and the party who will be providing the services shall be referred
to as "CFG". CFG and "AMSE shall cumulatively referred to as "the parties"
hereinafter.

1.   DESCRIPTION OF SERVICES. Beginning on January 6, 2000, CFG will provide the
     following services (collectively, the "Services") to enhance AMSE
     visibility and market value:

     A.   Produce (Concept, Research, Writing, Printing) a CLIENT Shareholder
          Communications/Investor Relations piece which shall be distributed
          Bi-monthly (Every other Month). This Investor Relations (hereinafter
          referred to as "IR") piece includes relevant milestone updates,
          contract news, earnings,/revenue growth updates, and financing news
          about CLIENT;

     B.   Distributes to selective CFG shareholders via e-mail CLIENT news and
          information;

     C.   Monitor OTC Internet Message Boards regarding CLIENT;

     D.   Add CLIENT information to Interactive CFG portfolio page website;

     E.   Participate in CLIENT due diligence presentation to market makers;

     F.   Schedule live monthly radio interview featuring CLIENT ( to be
          scheduled pursuant to availability);

     G.   Assist in drafting press releases as is appropriate and in concert
          with CLIENT'S milestones and newsworthy events;

     H.   Distribute press releases to CLIENT shareholders;

     I.   * Distribute CLIENT news and relevant information to market makers,
          financial media, selected internet stock pages/threads and OTC analyst
          community;

     J.   Present CLIENT'S to various media, periodical sources;

     K.   Provide general financial public relations support to CLIENT; and

     L.   **Feature Company in Monthly "Live-Chat" Internet Broadcasts.

         * CLIENT agrees to complete and return signed PR Newswire membership
         application for distribution of press releases or provide PR Newswire
         account number to CFG.

          ** Addition charge of $1,800 per live chat plus production and
          internet/broadcast fees.

2.   PAYMENT FOR "IR" PRODUCTION SERVICES. AMSE will pay annually for services
     described herein. The fees shall be payable as follows:

3.   A) Initial Payment Due Upon Execution of Agreement = 70,700 AMSE RESTRICTED
        SHARES WITH DEMAND REGISTRATION RIGHTS PURSUANT TO SECTION 4.

     B) Due on April 1, 2000 = 23,600 AMSE RESTRICTED SHARES WITH DEMAND
        REGISTRATION RIGHTS PURSUANT TO SECTION 4

     C) Due on July 1, 2000 = 23,600 AMSE RESTRICTED SHARES WITH DEMAND
        REGISTRATION RIGHTS PURSUANT TO SECTION 4

     D) Due on October 1, 2000 = 23,600 AAMSE RESTRICTED SHARES WITH DEMAND
        REGISTRATION RIGHTS PURSUANT TO SECTION 4.

4.   REGISTRATION OF SHARES. CFG shall have "DEMAND" registration rights for all
     shares issued in accordance with this agreement. Proof of registration
     application shall be delivered to CFG within 3 days of AMSE'S filing of
     same with the SEC.



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     A) CLIENT agrees to file a Registration Statement (SB-2 or similar) for the
        registration of the initial shares and all subsequent quarterly shares
        with the US Securities and Exchange Commission (SEC) within 30 calendar
        days of the execution of the Agreement.

     B) Failure to file Registration Statement within 30 days will result in the
        immediately issuance of an additional 20% of the original number of
        shares due CFG at execution.

     C) If the Registration Statement has not been declared effective within 90
        days after initial filing then CLIENT will issue an additional 20% of
        the total number of shares submitted for Registration on behalf of CFG.

     D) B and C are commutative and not individually exclusive.


5.   TERM/TERMINATION. This Agreement is a quarterly agreement for the term of
     one (1) year and shall terminate automatically on January 5, 2000. However,
     the CLIENT of CFG shall have the right to terminate the balance of this
     agreement at any time after the 75th day following the mutual execution of
     this Agreement by the parties, providing written notice is given to the
     other party at least fifteen (15) days prior to the expiration of the
     current quarter of the Agreement. Quarterly payment referred to above means
     payment earned for services rendered up to time of termination. Quarterly
     payments of cash and/or stock shall become immediately due and payable upon
     termination. Work in progress (WIP) compensation would only be due and
     payable upon successful completion and funding of the WIP.

6.   NON CIRCUMVENTION. In and for valuable consideration, CLIENT hereby agrees
     that CFG may introduce it (whether written, oral, data, or otherwise made
     by CFG) to Opportunities, including, without limitation, existing or
     potential investors, lenders, borrowers, trust, corporations,
     unincorporated business entities. CLIENT further acknowledges and agrees
     that the identity of the subject Opportunities, and all other information
     concerning the Opportunity (including without limitation, all mailing
     information, phone number, email addresses, and other contact information)
     introduced hereunder are the property of CFG, and shall be treated as
     confidential information. CLIENT shall not use such information except in
     the context of any joint venture with CFG, and never without CFG'S prior
     written approval. CLIENT further agrees that they, nor their company,
     employees, affiliates or assigns, shall not enter into, or any of its
     affiliates, or accept any compensation or advantage in relation to the
     opportunity except as directly through CFG, without the prior written
     approval of CFG. CFG is relying on CLIENT assent to these terms and their
     intent to be bound by the terms be evidence of their signature. Without
     CLIENT signed assent to these terms, CFG would not introduce any
     Opportunity or disclose any confidential information to Second Party as
     herein described.

7.   CONFIDENTIALITY. CFG will not at any time or in any manner, either directly
     or indirectly, use for the personal benefit of CFG, or divulge, disclose,
     or communicate in any manner any information that is proprietary to AMSE
     without AMSE'S express written consent. CFG will protect such information
     and treat is as strictly confidential. This provision shall continue to be
     effective after the termination of this Agreement. Upon termination of this
     Agreement, CFG will return to AMSE all records, notes, documentation and
     other items that were used, created, or controlled by CFG during the term
     of this Agreement.

8.   ENTIRE AGREEMENT. This Agreement contains the entire Agreement of the
     parties, and there are no other promises or conditions in any other
     agreement whether oral or written.

9.   SEVERABILITY. If any provision of this Agreement shall be held to be
     invalid or unenforceable for any reason, the remaining provisions shall
     continue to be valid and enforceable. If a count finds that any provision
     of this Agreement is invalid or unenforceable, but that by limiting such
     provision it would become valid and enforceable, then such provision shall
     be deemed to be written, construed, and enforced as so limited.

10.  COUNTERPARTS. If any provision of this Agreement shall be held to be valid
     of unenforceable for any reason, the remaining provisions shall continue to
     be valid and enforceable. If a court finds that any provision of the
     Agreement is invalid or unenforceable, but that by limiting such provision
     it would become valid and enforceable, then such provision shall be deemed
     to be written, construed, and enforced as so limited.

11.  CHOICE OF LAW. This Agreement shall be governed by, and shall be construed
     in accordance with, the laws of the State of California.

12.  ARBITRATION. Any controversy or claim arising out of or relating to this
     Agreement, or the breach thereof, shall be settled by arbitration
     administered by the American Arbitration Association in accordance with its
     applicable rules, and judgment upon an award by the arbitrator may be
     entered in any court having jurisdiction thereof.

13.  ASSIGNABILITY. This agreement is not assignable without the express written
     advance consent of AMSE, at the sole discretion of its Board of Directors.




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Party contracting services:

AMERICA'S SENIOR FINANCIAL SERVICES, INC

By:                            NELSON A. LOCKE, not personally
   ---------------------------
     President/CEO

Date:
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Address:
     --------------------------------

     --------------------------------

Services Provider:

THE CHARTERBRIDGE FINANCIAL GROUP, INC.

By:
     --------------------------------

Date:
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