December  14,  1999

John  Huguet,
President  &  CEO
e-financial  depot.com,  Inc.
1005  -  750  W.  Pender  Street
Vancouver,  British  Columbia,  Canada  V6C  2TB

                                                       RE:  LETTER OF ENGAGEMENT
                                              Commencement of Investor Relations

Dear  Mr.  Huguet:

We  are  prepared  to  embark upon a program of investor relations activities on
behalf  of  e-financial  depot.com,  Inc.  The objective of such a Program is to
achieve  the  highest  sustainable  market  value  for  the company's securities
thereby  contributing  to  shareholder  liquidity  and  future corporate finance
opportunities.

We  propose  that the official commencement date of our activities be January 1,
2000  subject  to  the  signed  acceptance  of the terms outlined herein and our
receipt  of  the  agreed  funds.

In this relationship, Coffin, Mottola Communications agrees to comply fully with
all  securities  regulations,  industry  guidelines  and  applicable  laws.
Additionally,  our firm shall maintain the confidentiality of all information of
e-financial  depot.  com,  Inc.  not  cleared by the company for public release.

e-financial  depot.com,  Inc.  agrees  to  indemnify  and  hold harmless Coffin,
Mottola  Communications,  including  its  shareholders,  officers, employees and
contractors,  from  and  against  any  and all losses, claims, damages, expenses
and/or  liabilities  which  Coffin,  Mottola Communications may incur based upon
information,  representations,  reports  or  data  furnished  by  e-financial
depot.com,  Inc.  with  respect to itself, and which are approved by e-financial
depot.com, Inc. for use by Coffin, Mottola Communications.  Such indemnification
shall  include, but not be limited to, expenses (including all attorney's fees),
judgments,  and  amounts  paid in settlement actually and reasonably incurred by
Coffin,  Mottola Communications in connection with an action, suit or proceeding
brought  against  Coffin,  Mottola  Communications  and/or  its  shareholders,
officers,  contractors  or  employees.

In  consideration for such services Coffin, Mottola Communications shall receive
a retainer of $6,000 per month and 25,000 shares (the "shares") of the Company's
common  stock.  In  exchange  for  such  shares,  Coffin, Mottola Communications
agrees to provide all necessary and appropriate investor relations services at a
rate of $6,000 per month, for a period of twelve (12) months (in accordance with
SEC  guidelines).

As  additional  consideration  to  Coffin,  Mottola  Communications  ("Coffin"),
e-financial  depot.com,  Inc.  hereby grants an option to purchase 25,000 shares
(the  Shares")  of the Company's common stock (this "Option") to Coffin, Mottola
Communications.  This  Option  shall  be  for  a  term of five years, shall vest
immediately  and  have  "assignable rights".  This Option shall have an exercise
price  of  $6.50,  and  shall  expire  on  January  1,  2005.  coffin,  Mottola
Communications shall have the right to exercise the Option by giving the Company
a  full-recourse promissory note with a term of not more than five (5) yeas (the
"Note"),  provided, however, that to Coffin, Mottola Communications shall not be
able  to  resell  the  Shares  until  such  time  as  the  Note is paid in full.

<PAGE>

e-financial  depot.com,  Inc.
Letter  of  Engagement
Page  2

Monthly  expenses  incurred  while  engaging in investor relations activities on
behalf of e-financial depot.com, Inc. shall be itemized and also invoiced at the
beginning  of  each  month  hereafter  and  due within ten (10) days of receipt.
Typical  expenses  included  are  phones,  copying,  faxing, mailing and on-line
services.  Commitments  to  vendors  and  others  outside  of  Coffin,  Mottola
Communications  for  the  purchase of goods and services related to our carrying
out the subject activities will first be approved by e-financial depot.com, Inc.
and  billed  directly.

The  term  of  this  agreement  shall  be  for  a  period  of twelve (12) months
commencing  January  1,  2000  through  January  1,  2001  and  continuing  on a
month-to-month  basis  thereafter unless terminated by either party by providing
one  month  written  notice to the other and delivering same by registered mail.

If  any  provision  of  this  Agreement  shall  be found invalid by any court of
competent jurisdiction, such findings shall not effect the validity of the other
provisions  hereof  and  the  invalid  provisions  shall  be deemed to have been
severed  herefrom.

If  any action is brought to enforce the terms of this Agreement, the prevailing
party  shall  be  entitled  to  its  costs  and reasonable attorney's fees.  Any
dispute  concerning  this  Agreement  shall be settled by binding Arbitration in
accordance  with  the  rules  of  the  American  Arbitration  Association in Los
Angeles,  California.

Should  the terms outlined herein meet with your approval, please sign and enter
the  date  as  provided  below.  Retain  a  copy  for  your files and express an
original  to  us along with a check in the amount of $6,000 as the first month's
retainer.  Upon  execution,  we  would  also greatly appreciate your faxing us a
copy  of  this  document  so that we have official notification of engagement as
well  as  authority  to  proceed  on  your behalf with the e-financial depot.com
Investor  Relations  Program.

On behalf of the partners and entire staff at Coffin, Mottola Communications, we
wish  to  thank  you  for your confidence in us and for retaining our firm.  The
account  team  looks  forward  to  working with you now and in the future toward
mutually  beneficial  goals.

Sincerely,
Coffin,  Mottola  Communications

/s/  Christi  Mottola      1 - 8 - 2000
Christi  Mottola,            Date
Managing  Partner

Agreed  and  accepted  on  behalf  of:

E-FINANCIAL  DEPOT.COM  INC.
1005  -  750  W.  Pender  Street
Vancouver,  British  Columbia,  Canada  V6C  2TB

/s/  John  Huguet       Jan 8th/ 2000
John  Huguet,               Date
President  and  Chief  Executive  Officer