MONEYFLOW SYSTEMS INTERNATIONAL INC.

                             2001 STOCK OPTION PLAN

1.    Purpose of the Plan.

      This 2001 Stock Option Plan (the "Plan") is intended as an incentive, to
retain in the employ of and as directors, officers, consultants and advisors to
MONEYFLOW SYSTEMS INTERNATIONAL INC., a Nevada corporation (the "Company") and
any Subsidiary of the Company, within the meaning of Section 424(f) of the
United States Internal Revenue Code of 1986, as amended (the "Code"), persons of
training, experience and ability, to attract new employees, directors, officers,
consultants and advisors whose services are considered valuable, to encourage
the sense of proprietorship and to stimulate the active interest of such persons
in the development and financial success of the Company and its Subsidiaries.

      It is further intended that certain options granted pursuant to the Plan
shall constitute incentive stock options within the meaning of Section 422 of
the Code (the "Incentive Options") while certain other options granted pursuant
to the Plan shall be nonqualified stock options (the "Nonqualified Options").
Incentive Options and Nonqualified Options are hereinafter referred to
collectively as "Options".

      The Company intends that the Plan meet the requirements of Rule 16b-3
("Rule 16b-3") promulgated under the Securities Exchange Act of 1934, as amended
(the "Exchange Act") and that transactions of the type specified in
subparagraphs (c) to (f) inclusive of Rule 16b-3 by officers and directors of
the Company pursuant to the Plan will be exempt from the operation of Section
16(b) of the Exchange Act. Further, the Plan is intended to satisfy the
performance-based compensation exception to the limitation on the Company's tax
deductions imposed by Section 162(m) of the Code with respect to those Options
for which qualification for such exception is intended. In all cases, the terms,
provisions, conditions and limitations of the Plan shall be construed and
interpreted consistent with the Company's intent as stated in this Section 1.

      2.    Administration of the Plan.

      The Board of Directors of the Company (the "Board") shall appoint and
maintain as administrator of the Plan a Committee (the "Committee") consisting
of two or more directors who are "Non-Employee Directors" (as such term is
defined in Rule 16b-3) and "Outside Directors" (as such term is defined in
Section 162(m) of the Code), which shall serve at the pleasure of the Board. The
Committee, subject to Sections 3 and 5 hereof, shall have full power and
authority to designate recipients of Options, to determine the terms and
conditions of respective Option agreements (which need not be identical) and to
interpret the provisions and supervise the administration of the Plan. The
Committee shall have the authority, without limitation, to designate which
Options granted under the Plan shall be Incentive Options and which shall be
Nonqualified Options. To the extent any Option does not qualify as an Incentive
Option, it shall constitute a separate Nonqualified Option.


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      Subject to the provisions of the Plan, the Committee shall interpret the
Plan and all Options granted under the Plan, shall make such rules as it deems
necessary for the proper administration of the Plan, shall make all other
determinations necessary or advisable for the administration of the Plan and
shall correct any defects or supply any omission or reconcile any inconsistency
in the Plan or in any Options granted under the Plan in the manner and to the
extent that the Committee deems desirable to carry into effect the Plan or any
Options. The act or determination of a majority of the Committee shall be the
act or determination of the Committee and any decision reduced to writing and
signed by all of the members of the Committee shall be fully effective as if it
had been made by a majority at a meeting duly held. Subject to the provisions of
the Plan, any action taken or determination made by the Committee pursuant to
this and the other Sections of the Plan shall be conclusive on all parties.

      In the event that for any reason the Committee is unable to act or if the
Committee at the time of any grant, award or other acquisition under the Plan of
Options or Stock as hereinafter defined does not consist of two or more
Non-Employee Directors, or if there shall be no such Committee, then the Plan
shall be administered by the Board, and references herein to the Committee
(except in the proviso to this sentence) shall be deemed to be references to the
Board, and any such grant, award or other acquisition may be approved or
ratified in any other manner contemplated by subparagraph (d) of Rule 16b-3;
provided, however, that options granted to the Company's Chief Executive Officer
or to any of the Company's other four most highly compensated officers that are
intended to qualify as performance-based compensation under Section 162(m) of
the Code may only be granted by the Committee.

      3.    Designation of Optionees.

      The persons eligible for participation in the Plan as recipients of
Options (the "Optionees") shall include employees, officers and directors of,
and consultants and advisors to, the Company or any Subsidiary; provided that
Incentive Options may only be granted to employees of the Company and the
Subsidiaries. In selecting Optionees, and in determining the number of shares to
be covered by each Option granted to Optionees, the Committee may consider the
office or position held by the Optionee or the Optionee's relationship to the
Company, the Optionee's degree of responsibility for and contribution to the
growth and success of the Company or any Subsidiary, the Optionee's length of
service, age, promotions, potential and any other factors that the Committee may
consider relevant. An Optionee who has been granted an Option hereunder may be
granted an additional Option or Options, if the Committee shall so determine.

      4.    Stock Reserved for the Plan.

      Subject to adjustment as provided in Section 7 hereof, a total of
2,500,000 shares of the Company's Common Stock, $.001 par value per share (the
"Stock"), shall be subject to the Plan. The maximum number of shares of Stock
that may be subject to options granted under the Plan to any individual in any
calendar year shall not exceed 250,000, and the method of counting such shares
shall conform to any requirements applicable to performance-based compensation
under Section


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162(m) of the Code. The shares of Stock subject to the Plan shall consist of
unissued shares, treasury shares or previously issued shares held by any
Subsidiary of the Company, and such amount of shares of Stock shall be and is
hereby reserved for such purpose. Any of such shares of Stock that may remain
unsold and that are not subject to outstanding Options at the termination of the
Plan shall cease to be reserved for the purposes of the Plan, but until
termination of the Plan the Company shall at all times reserve a sufficient
number of shares of Stock to meet the requirements of the Plan. Should any
Option expire or be canceled prior to its exercise in full or should the number
of shares of Stock to be delivered upon the exercise in full of an Option be
reduced for any reason, the shares of Stock theretofore subject to such Option
may be subject to future Options under the Plan, except where such reissuance is
inconsistent with the provisions of Section 162(m) of the Code.

      5.    Terms and Conditions of Options.

      Options granted under the Plan shall be subject to the following
conditions and shall contain such additional terms and conditions, not
inconsistent with the terms of the Plan, as the Committee shall deem desirable:

      (a) Option Price. The purchase price of each share of Stock purchasable
under an Incentive Option shall be determined by the Committee at the time of
grant, but shall not be less than 100% of the Fair Market Value (as defined
below) of such share of Stock on the date the Option is granted; provided,
however, that with respect to an Optionee who, at the time such Incentive Option
is granted, owns (within the meaning of Section 424(d) of the Code) more than
10% of the total combined voting power of all classes of stock of the Company or
of any Subsidiary, the purchase price per share of Stock shall be at least 110%
of the Fair Market Value per share of Stock on the date of grant. The purchase
price of each share of Stock purchasable under a Nonqualified Option shall not
be less than 80% of the Fair Market Value of such share of Stock on the date the
Option is granted; provided, however, that if an option granted to the Company's
Chief Executive Officer or to any of the Company's other four most highly
compensated officers is intended to qualify as performance-based compensation
under Section 162(m) of the Code, the exercise price of such Option shall not be
less than 100% of the Fair Market Value (as such term is defined below) of such
share of Stock on the date the Option is granted. The exercise price for each
Option shall be subject to adjustment as provided in Section 7 below. "Fair
Market Value" means the closing price of publicly traded shares of Stock on the
principal securities exchange on which shares of Stock are listed (if the shares
of Stock are so listed), or on the NASDAQ Stock Market (if the shares of Stock
are regularly quoted on the NASDAQ Stock Market), or, if not so listed or
regularly quoted, the mean between the closing bid and asked prices of publicly
traded shares of Stock in the over-the- counter market, or, if such bid and
asked prices shall not be available, as reported by any nationally recognized
quotation service selected by the Company, or as determined by the Committee in
a manner consistent with the provisions of the Code. Anything in this Section
5(a) to the contrary notwithstanding, in no event shall the purchase price of a
share of Stock be less than the minimum price permitted under the rules and
policies of any national securities exchange on which the shares of Stock are
listed.

      (b) Option Term. The term of each Option shall be fixed by the Committee,
but no


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Option shall be exercisable more than ten years after the date such Option is
granted and in the case of an Incentive Option granted to an Optionee who, at
the time such Incentive Option is granted, owns (within the meaning of Section
424(d) of the Code) more than 10% of the total combined voting power of all
classes of stock of the Company or of any Subsidiary, no such Incentive Option
shall be exercisable more than five years after the date such Incentive Option
is granted.

      (c) Exercisability. Subject to Section 5(j) hereof, Options shall be
exercisable at such time or times and subject to such terms and conditions as
shall be determined by the Committee.

      Upon the occurrence of a "Change in Control" (as hereinafter defined), the
      Committee may accelerate the vesting and exercisability of outstanding
      Options, in whole or in part, as determined by the Committee in its sole
      discretion. In its sole discretion, the Committee may also determine that,
      upon the occurrence of a Change in Control, each outstanding Option shall
      terminate within a specified number of days after notice to the Optionee
      thereunder, and each such Optionee shall receive, with respect to each
      share of Company Stock subject to such Option, an amount equal to the
      excess of the Fair Market Value of such shares immediately prior to such
      Change in Control over the exercise price per share of such Option; such
      amount shall be payable in cash, in one or more kinds of property
      (including the property, if any, payable in the transaction) or a
      combination thereof, as the Committee shall determine in its sole
      discretion.

      For purposes of the Plan, a Change in Control shall be deemed to have
      occurred if:

      (i) a tender offer (or series of related offers) shall be made and
      consummated for the ownership of 50% or more of the outstanding voting
      securities of the Company, unless as a result of such tender offer more
      than 50% of the outstanding voting securities of the surviving or
      resulting corporation shall be owned in the aggregate by the shareholders
      of the Company (as of the time immediately prior to the commencement of
      such offer), any employee benefit plan of the Company or its Subsidiaries,
      and their affiliates;

      (ii) the Company shall be merged or consolidated with another corporation,
      unless as a result of such merger or consolidation more than 50% of the
      outstanding voting securities of the surviving or resulting corporation
      shall be owned in the aggregate by the shareholders of the Company (as of
      the time immediately prior to such transaction), any employee benefit plan
      of the Company or its Subsidiaries, and their affiliates;

      (iii) the Company shall sell substantially all of its assets to another
      corporation that is not wholly owned by the Company, unless as a result of
      such sale more than 50% of such assets shall be owned in the aggregate by
      the shareholders of the Company (as of the time immediately prior to such
      transaction), any employee benefit plan of the Company or its Subsidiaries
      and their affiliates; or

      (iv) a Person (as defined below) shall acquire 50% or more of the
      outstanding voting securities of the Company (whether directly,
      indirectly, beneficially or of record), unless as


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      a result of such acquisition more than 50% of the outstanding voting
      securities of the surviving or resulting corporation shall be owned in the
      aggregate by the shareholders of the Company (as of the time immediately
      prior to the first acquisition of such securities by such Person), any
      employee benefit plan of the Company or its Subsidiaries, and their
      affiliates.

      For purposes of this Section 5(c), ownership of voting securities shall
      take into account and shall include ownership as determined by applying
      the provisions of Rule 13d-3(d)(I)(i) (as in effect on the date hereof)
      under the Exchange Act. In addition, for such purposes, "Person" shall
      have the meaning given in Section 3(a)(9) of the Exchange Act, as modified
      and used in Sections 13(d) and 14(d) thereof; however, a Person shall not
      include (A) the Company or any of its Subsidiaries; (B) a trustee or other
      fiduciary holding securities under an employee benefit plan of the Company
      or any of its Subsidiaries; (C) an underwriter temporarily holding
      securities pursuant to an offering of such securities; or (D) a
      corporation owned, directly or indirectly, by the shareholders of the
      Company in substantially the same proportion as their ownership of stock
      of the Company.

      (d) Method of Exercise. Options to the extent then exercisable may be
exercised in whole or in part at any time during the option period, by giving
written notice to the Company specifying the number of shares of Stock to be
purchased, accompanied by payment in full of the purchase price, in cash, or by
check or such other instrument as may be acceptable to the Committee. As
determined by the Committee, in its sole discretion, at or after grant, payment
in full or in part may be made at the election of the Optionee (i) in the form
of Stock owned by the Optionee (based on the Fair Market Value of the Stock on
the trading day before the Option is exercised) which is not the subject of any
pledge or security interest, (ii) in the form of shares of Stock withheld by the
Company from the shares of Stock otherwise to be received with such withheld
shares of Stock having a Fair Market Value on the date of exercise equal to the
exercise price of the Option, or (iii) by a combination of the foregoing,
provided that the combined value of all cash and cash equivalents and the Fair
Market Value of any shares surrendered to the Company is at least equal to such
exercise price and except with respect to (ii) above, such method of payment
will not cause a disqualifying disposition of all or a portion of the Stock
received upon exercise of an Incentive Option. An Optionee shall have the right
to dividends and other rights of a stockholder with respect to shares of Stock
purchased upon exercise of an Option at such time as the Optionee has given
written notice of exercise and has paid in full for such shares and (ii) has
satisfied such conditions that may be imposed by the Company with respect to the
withholding of taxes.

      (e) Non-transferability of Options. Options are not transferable and may
be exercised solely by the Optionee during his lifetime or after his death by
the person or persons entitled thereto under his will or the laws of descent and
distribution. The Committee, in its sole discretion, may permit a transfer of a
Nonqualified Option to (i) a trust for the benefit of the Optionee or (ii) a
member of the Optionee's immediate family (or a trust for his or her benefit).
Any attempt to transfer, assign, pledge or otherwise dispose of, or to subject
to execution, attachment or similar process, any Option contrary to the
provisions hereof shall be void and ineffective and shall give no right to the
purported transferee.


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      (f) Termination by Death. Unless otherwise determined by the Committee, if
any Optionee's employment with or service to the Company or any Subsidiary
terminates by reason of death, the Option may thereafter be exercised, to the
extent then exercisable (or on such accelerated basis as the Committee shall
determine at or after grant), by the legal representative of the estate or by
the legatee of the Optionee under the will of the Optionee, for a period of one
year after the date of such death or until the expiration of the stated term of
such Option as provided under the Plan, whichever period is shorter.

      (g) Termination by Reason of Disability. Unless otherwise determined by
the Committee, if any Optionee's employment with or service to the Company or
any Subsidiary terminates by reason of total and permanent disability, any
Option held by such Optionee may thereafter be exercised, to the extent it was
exercisable at the time of termination due to Disability (or on such accelerated
basis as the Committee shall determine at or after grant), but may not be
exercised after 60 days after the date of such termination of employment or
service or the expiration of the stated term of such Option, whichever period is
shorter; provided, however, that, if the Optionee dies within such 60-day
period, any unexercised Option held by such Optionee shall thereafter be
exercisable to the extent to which it was exercisable at the time of death for a
period of one year after the date of such death or for the stated term of such
Option, whichever period is shorter.

      (h) Termination by Reason of Retirement. Unless otherwise determined by
the Committee, if any Optionee's employment with or service to the Company or
any Subsidiary terminates by reason of Normal or Early Retirement (as such terms
are defined below), any Option held by such Optionee may thereafter be exercised
to the extent it was exercisable at the time of such Retirement (or on such
accelerated basis as the Committee shall determine at or after grant), but may
not be exercised after 60 days after the date of such termination of employment
or service or the expiration of the stated term of such Option, whichever period
is shorter; provided, however, that, if the Optionee dies within such 60-day
period, any unexercised Option held by such Optionee shall thereafter be
exercisable, to the extent to which it was exercisable at the time of death, for
a period of one year after the date of such death or for the stated term of such
Option, whichever period is shorter.

      For purposes of this paragraph (h), "Normal Retirement" shall mean
retirement from active employment with or service to the Company or any
Subsidiary on or after the normal retirement date specified in the applicable
Company or Subsidiary pension plan or if no such pension plan, age 65, and
"Early Retirement" shall mean retirement from active employment with or service
to the Company or any Subsidiary pursuant to the early retirement provisions of
the applicable Company or Subsidiary pension plan or if no such pension plan,
age 55.

      (i) Other Termination. Unless otherwise determined by the Committee, if
any Optionee's employment with or service to the Company or any Subsidiary
terminates for any reason other than death, Disability or Normal or Early
Retirement, the Option shall thereupon terminate, except that the portion of any
Option that was exercisable on the date of such termination of employment or
service may be exercised for the lesser of 30 days after the date of termination
or the balance of such Option's term if the Optionee's employment or service
with the Company or any Subsidiary is


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terminated by the Company or such Subsidiary without cause (the determination as
to whether termination was for cause to be made by the Committee). The transfer
of an Optionee from the employ of or service to the Company to the employ of or
service to a Subsidiary, or vice versa, or from one Subsidiary to another, shall
not be deemed to constitute a termination of employment or service for purposes
of the Plan.

      (j) Limit on Value of Incentive Option. The aggregate Fair Market Value,
determined as of the date the Incentive Option is granted, of Stock for which
Incentive Options are exercisable for the first time by any Optionee during any
calendar year under the Plan (and/or any other stock option plans of the Company
or any Subsidiary) shall not exceed $100,000.

      (k) Incentive Option Shares. A grant of an Incentive Option under this
Plan shall provide that (a) the Optionee shall be required as a condition of the
exercise to furnish to the Company any payroll (employment) tax required to be
withheld, and (b)if the Optionee makes a disposition, within the meaning of
Section 424(c) of the Code and regulations promulgated thereunder, of any share
or shares of Stock issued to him upon exercise of an Incentive Option granted
under the Plan within the two-year period commencing on the day after the date
of the grant of such Incentive Option or within a one-year period commencing on
the day after the date of transfer of the share or shares to him pursuant to the
exercise of such Incentive Option, he shall, within 10 days after such
disposition, notify the Company thereof and immediately deliver to the Company
any amount of United States federal, state and local income tax withholding
required by law.

      6.    Term of Plan.

      No Option shall be granted pursuant to the Plan on or after October 31,
2011, but Options theretofore granted may extend beyond that date.

      7.    Capital Change of the Company.

      In the event of any merger, reorganization, consolidation,
recapitalization, stock dividend, or other change in corporate structure
affecting the Stock, the Committee shall make an appropriate and equitable
adjustment in the number and kind of shares reserved for issuance under the Plan
and in the number and option price of shares subject to outstanding Options
granted under the Plan, to the end that after such event each Optionee's
proportionate interest shall be maintained as immediately before the occurrence
of such event. The Committee shall, to the extent feasible, make such other
adjustments as may be required under the tax laws so that any Incentive Options
previously granted shall not be deemed modified within the meaning of Section
424(h) of the Code.

      8.    Purchase for Investment.

      Unless the Options and shares covered by the Plan have been registered
under the Securities Act of 1933, as amended (the "Securities Act"), or the
Company has determined that such registration is unnecessary, each person
exercising an Option under the Plan may be required by the


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Company to give a representation in writing that he is acquiring the shares for
his own account for investment and not with a view to, or for sale in connection
with, the distribution of any part thereof.

      9.    Taxes.

      The Company may make such provisions as it may deem appropriate,
consistent with applicable law, in connection with any Options granted under the
Plan with respect to the withholding of any taxes (including income or
employment taxes) or any other tax matters.

      10.   Effective Date of Plan.

      The Plan shall be effective on November 1, 2001.

      11.   Amendment and Termination.

      The Board may amend, suspend, or terminate the Plan, except that no
amendment shall be made that would impair the rights of any Optionee under any
Option theretofore granted without the Optionee's consent, and except that no
amendment shall be made which, without the approval of the stockholders of the
Company would:

      (a) materially increase the number of shares that may be issued under the
Plan, except as is provided in Section 7;

      (b) materially increase the benefits accruing to the Optionees under the
Plan;

      (c) materially modify the requirements as to eligibility for participation
in the Plan;

      (d) decrease the exercise price of an Incentive Option to less than 100%
of the Fair Market Value per share of Stock on the date of grant thereof or the
exercise price of a Nonqualified Option to less than 80% of the Fair Market
Value per share of Stock on the date of grant thereof; or

      (e) extend the term of any Option beyond that provided for in Section
5(b).

      The Committee may amend the terms of any Option theretofore granted,
prospectively or retroactively, but no such amendment shall impair the rights of
any Optionee without the Optionee's consent. The Committee may also substitute
new Options for previously granted Options, including options granted under
other plans applicable to the participant and previously granted Options having
higher option prices, upon such terms as the Committee may deem appropriate.

      12.   Government Regulations.

      The Plan, and the grant and exercise of Options hereunder, and the
obligation of the Company to sell and deliver shares under such Options, shall
be subject to all applicable laws, rules and regulations, and to such approvals
by any governmental agencies, national securities exchanges and interdealer
quotation systems as may be required.


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      13.   General Provisions.

      (a) Certificates. All certificates for shares of Stock delivered under the
Plan shall be subject to such stop transfer orders and other restrictions as the
Committee may deem advisable under the rules, regulations and other requirements
of the Securities and Exchange Commission, or other securities commission having
jurisdiction, any applicable Federal or state securities law, any stock exchange
or interdealer quotation system upon which the Stock is then listed or traded
and the Committee may cause a legend or legends to be placed on any such
certificates to make appropriate reference to such restrictions.

      (b) Employment Matters. The adoption of the Plan shall not confer upon any
Optionee of the Company or any Subsidiary any right to continued employment or,
in the case of an Optionee who is a director, continued service as a director,
with the Company or a Subsidiary, as the case may be, nor shall it interfere in
any way with the right of the Company or any Subsidiary to terminate the
employment of any of its employees, the service of any of its directors or the
retention of any of its consultants or advisors at any time.

      (c) Limitation of Liability. No member of the Board or the Committee, or
any officer or employee of the Company acting on behalf of the Board or the
Committee, shall be personally liable for any action, determination or
interpretation taken or made in good faith with respect to the Plan, and all
members of the Board or the Committee and each and any officer or employee of
the Company acting on their behalf shall, to the extent permitted by law, be
fully indemnified and protected by the Company in respect of any such action,
determination or interpretation.

      (d) Registration of Stock. Notwithstanding any other provision in the
Plan, no Option may be exercised unless and until the Stock to be issued upon
the exercise thereof has been registered under the Securities Act and applicable
state securities laws, or are, in the opinion of counsel to the Company, exempt
from such registration in the United States. The Company shall not be under any
obligation to register under applicable federal or state securities laws any
Stock to be issued upon the exercise of an Option granted hereunder in order to
permit the exercise of an Option and the issuance and sale of the Stock subject
to such Option, although the Company may in its sole discretion register such
Stock at such time as the Company shall determine. If the Company chooses to
comply with such an exemption from registration, the Stock issued under the Plan
may, at the direction of the Committee, bear an appropriate restrictive legend
restricting the transfer or pledge of the Stock represented thereby, and the
Committee may also give appropriate stop transfer instructions with respect to
such Stock to the Company's transfer agent.

                                            MONEYFLOW SYSTEMS INTERNATIONAL INC.

                                            November 1, 2001


                                  Page 9 of 9
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                         INDEPENDENT AUDITORS' CONSENT

We do hereby consent to the use of in this Registration Statement of Moneyflow
Systems International Inc. on Form B-2 of our following reports:

      a.    Independent Auditors' Report dated March 1, 2001 relating to the
            October 31, 2000 and 1999 financial statements of Security Bancorp
            Inc.

      b.    Independent Accountants' Review Report dated August 17, 2001
            relating to the July 31, 2001 consolidated financial statements of
            Moneyflow Systems International Inc.

      We also consent to the reference to us under the heading "Experts" in such
Registration Statement.

Moffitt & Company, P.C.
Scottsdale, Arizona

December 11, 2001