AFFINITY GROUP MARKETING AGREEMENT

This  Agreement  made  between  Quotescanada.com  (hereinafter  called  the
"Quotescanada")  having  a  principal place of business at 601 - 889 West Pender
St.,  Vancouver,  BC,  V6C  3B2  and  Vector Insurance Network (Ontario) Limited
(hereinafter called "Vector") having a principal place of business at 4120 Yonge
Street,  Suite  312,  Toronto,  Ontario,  M2P  2B8.

Whereas  Vector carries on business as an insurance broker offering a wide range
of  Insurance  and financial services from some of Canada's leading insurers and
is  part  of  the  Canada  wide  Vector  Insurance  Network;

And  whereas  Quotescanada  has  among  its  members  individuals  who  would be
interested  in purchasing Home & Auto Insurance who are presently not purchasing
Home  &  Auto  Insurance  from  Vector  ("Customers").

Now  therefore for good and valuable consideration the parties agree as follows:

PROGRAM  OFFERING  -  It is the intention of this Agreement for Vector to market
Quotescanada  Members Home & Auto Insurance and other related Insurance products
and/or  services  as  may  be mutually agreed upon by the parties in the future.

RESPONSIBILITY  OF  PARTIES

(a)     Vector  shall  be responsible for operating sales and services locations
to  enable  Members  to  contact  it  through the telephone, internet and at its
retail  locations.  Vector  will  be  responsible  for  all  expenses related to
carrying  out  its  responsibilities  as  set  out  in  this  paragraph.

(b)     Quotescanada  shall  be  responsible for promoting these programs to its
members through the use of existing and proposed marketing initiatives including
the establishment of an insurance channel or button exclusively for Quotescanada
Members,  e-mail  announcement  of  special  programs  and  other methods deemed
suitable  for  this  program.  Quotescanada  will  be  responsible for all costs
related  to  carrying  out  its  responsibilities  as set out in this paragraph.

(c)     Quotescanada  and  Vector  will  jointly  design marketing materials and
advertising initiatives for these programs.  All marketing material will require
the  final  written  approval of both Vector and Quotescanada in order to ensure
compliance  with  regulatory  guidelines.

MARKETING  FEES  -  Vector  will  pay  to Quotescanada marketing fee of 1.25% of
premium  written  and  settled  for  both new and renewal policies in respect of
Members  who  purchase  policies  from  Vector.  Marketing  fees  will  be  paid
quarterly  in  respect  of  marketing  fees  earned by Quotescanada in the prior
quarter.  Fees  paid  to Quotescanada may be adjusted from time to time based on
review  of  the  program  and  its  overall  performance.

<PAGE>

CLIENT  OWNERSHIP - Vector agrees that it will not market any of its products to
Members  except  as  may be contemplated by this Agreement.  It is understood by
both  parties  and  an  individual  who  purchases  insurance  through Vector is
contacting  directly with the insurer(s) and that Quotescanada does not have the
authority  to  make decisions on behalf of an insured individual with respect to
coverage  or  participation or change of Agent of Record without written consent
of  the  insured.

Following  the  termination  of this Agreement, Vector shall not make any use of
any list of Members for any purpose except to fulfill its obligations in respect
of  policies  or  any  renewals  thereof.

AUTHORITY  -  Quotescanada shall have no authority to make any binding agreement
or incur any obligations on behalf of Vector.  Nothing herein contained shall be
construed  to  constitute the relationship hereby created between the parties as
an  agency,  a  partnership,  a  joint  venture  or  otherwise.

TERM  - The term of this Agreement shall be for a period of three (3) years from
the  date  of  the  Agreement.  Such  Agreement  shall automatically renew for a
subsequent  (1)  year period on the subsequent expiry date, unless terminated by
either party upon giving three (3)  months prior written notice of its intent to
terminate.

TERMINATION

(a)     This  Agreement  may be terminated by Vector in the event that it is not
satisfied  with the profitability of the programs contemplated by the Agreement.
In that event, Vector must deliver 90 days written notice to Quotescanada o fits
intention  to  terminate  this  Agreement.

(b)     Quotescanada  may terminate this Agreement in the event that Vector does
not  provide  satisfactory  service  and competitive prices for its services and
products.  Quotescanada  must act reasonably and shall first give written notice
to  Vector  of the deficiencies in service and price and allow Vector 90 days to
remedy  the  deficiencies.  In  the  event  that  Vector  is  unable  to satisfy
Quotescanada,  acting  reasonably,  this Agreement shall terminate 30 days after
Quotescanada  has  given  written  notice to Vector of its failure to remedy the
deficiencies.

EXCLUSIVITY  -  Throughout the duration of this Agreement and subsequent renewal
terms,  Quotescanada  endorses Vector as the exclusive broker and distributor of
personal  insurance  products  as  described  in  this  Agreement.

ENTIRE  AGREEMENT  -  This  Agreement,  including  any  attached  schedules,
supplements, or amendments, represents the entire agreement between Quotescanada
and Vector.  Vector will not be bound by any promise, agreement or understanding
or  representation unless it is made in this Agreement, or in a written document
signed by an authorized official of Vector which is meant to amend, alter or add
to  this  Agreement.

<PAGE>

GOVERNING  LAW  -  This  Agreement  shall  be  governed  by  and  interpreted in
accordance  with  the  laws  of  the  Province  of  Ontario.

Executed  at  Earthramp.com  this  28th  day  of  March,  2000
              --------------        ------           --------------

/s/ Dylan  Crawshan       /s/ Ralph  Brown
-----------------          --------------
Quotescanada.com          Vector  Insurance  Network  (Ontario)  Limited


<PAGE>
                                  SCHEDULE "A"
                                 MARKETING FEES
                                 --------------

Issued  First  Year  &  Renewal  Fees  are  based  on  1.25%

NOTE:

The  above  fees  are  to  be  paid  monthly  to  Earthramp.com.
Marketing  fees  paid  for business issued is subject to review by Vector in the
event  that  there  is  a  change in compensation paid to Vector by the Carrier.
Carriers  may  be substituted from time to time by Vector at the sole discretion
of  Vector.