Document:

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Exhibit 10.12

                        GUARANTEED MAXIMUM PRICE PROPOSAL

                                       For

                             ADVANCED BIOTHERAY,INC

                        Pilot Formulation / Filling Area

                                 At New Horizons
                               COLUMBIA, MARYLAND

                                   Prepared By

                           Integrated Project Services

                        1122 Kenilworth Drive, Suite 405
                                Towson, MD 21204
                                  410.296.8590
                                fax 410.296,8594
                                  www,ipsdb.com

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 1122 Kenilworth Drive - Exchange Building, Suite 405 - Towson, Maryland 21204-
            Phone: 410.296.8590 - Fax: 410.296.8594 - www.ipsdb.corn

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March 21, 2003

Mr. Ed Buccellato
President/CEO
Advanced Biotherapy, Inc.
6355 Topanga Canyon Blvd.
Woodland Hills, CA 91367

RE:      Pilot Formulation/Filling Area
         New Horizons Facility
         Professional Design and Construction Services
         GMP Proposal
         ITS Project No. MDD03001.1
         IPS Proposal No. MDD031044.1

Dear Ed:

IPS -  Integrated  Project  Services is pleased to present  our GMP  (Guaranteed
Maximum  Price)  for  the  Final  Engineering,   Construction  Management,   and
Commissioning  of  your  manufacturing   expansion.   A  separate  proposal  for
Validation  Services  is  also  enclosed  herein.  Our  GMP  Cost  Estimate  and
clarifications is based on the attached Design Documents and Milestone  Schedule
we are submitting with this proposal.

This GMP  Proposal  outlines  how IPS will  provide  you  with a  compliant  and
functional  Pilot  Formulation/Filling  Area to meet  FDA  requirements.  IPS is
seeking to expand our current  commercial  agreement  to include  the  remaining
final engineering  activities,  construction  management,  and commissioning and
validation  responsibilities for this area of the project. The attached proposal
will provide the overall costs required to complete and validate the facility.

From our  involvement  in the  project  over the past month and a half,  we have
gained a thorough  understanding  of your  programmatic  needs,  as well as your
desire to keep the first costs for the construction of the facility to a minimum
while still producing a compliant  facility.  We fully  comprehend your concerns
for  maintaining  your  capital  allocation  and your  desire to  complete  this
facility expansion at the lowest cost possible.

We feel that the industry  expertise and creativity  that our team has exhibited
should bring a level of confidence to your project team. As our role  continues,
we are positive that our design,  construction,  and  validation  team will also
provide  the  level  of  experience  and   cooperation   to  minimize   Advanced
Biotherapy's  day-to-day  "issues" during the duration of IPS'  management.  Our
proposal  will  reduce  your  risks  going  forward in many  aspects,  including
financial cost management, schedule adherence, day-to-day project management and
regulatory compliance.

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 1122 Kenilworth Drive - Exchange Building, Suite 405 - Towson, Maryland 21204-
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Ed, attached you will find a detailed documentation of our proposed deliverables
for this project.  We have developed  this proposal based on our  discussions to
date and believe it provides Advanced  Biotherapy with the best solution for the
task at hand. We look forward to the  opportunity of continuing to work with you
on this  challenging  project  and any  questions  you may have in regard to our
offer. Should you have any questions or require any additional clarification, do
not hesitate to contact this office.

Very truly yours,

INTEGRATED PROJECT SERVICES

William Deckert
Director, Technical Sales

Cc:      Chris Maddox
         Chris DiPaolo

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 1122 Kenilworth Drive - Exchange Building, Suite 405 - Towson, Maryland 21204-
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                                TABLE OF CONTENTS

1.0 PROJECT OVERVIEW

     1.1 Executive Summary
     1.2 Key Issues for Project Success
     1.3 Design/Build Project Strategy
     1.4 Design/Build Project Discussion

2.0 SCOPE OF SERVICES

     2.1 Project Management

     2.2 Final Engineering & Design

     2.3 Procurement, Construction Administration and Construction Management

3.0 BASIS OF DESIGN
    Design Criteria/System Description

4.0 GMP BUDGET

5.0 CLARIFICATIONS/ASSUMPTIONS/EXCLUSIONS

6.0 MILESTONE SCHEDULE

7.0 DRAWINGS
    Site Plan
    Egress Plan
    Demolition Plan
    Floor Plan
    Reflected Ceiling Plan
    Schedules
    Ductwork Flow Plan
    Airflow Diagram
    Electrical Single Line Diagram

8.0 COMMERCIAL TERMS

9.0 PROJECT ORGANIZATION

10.0 RESUMES

11.0 2003 RATE SCHEDULE

12.0 APPENDIX
     Validation Proposal

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1.0  PROJECT OVERVIEW

     1.1  Executive Summary

     IPS has been retained by Advanced Biotherapy, Inc. to provide a Master Plan
and Preliminary  Engineering  along with an outline for a Validation Master Plan
and a Budgetary Cost Estimate.  These items are being  completed by IPS and will
be  submitted  to the owner  for  review.  Subsequently  to  reviewing  the Cost
Estimate we were asked to proceed with  determining  a Guaranteed  Maximum Price
(GMP) Cost Estimate for the design,  construction,  and validation the new Pilot
Formulation  and Filling  Room.  This  proposal  outlines  the scope of services
included in the GMP that IPS has agreed to provide as part of to the performance
of this work.

     Advanced  Biotherapy is undertaking a renovation of the existing  warehouse
space located at the New Horizons  facility in Columbia,  MD. The expansion will
include about 640 square feet of space for a new fill room. Two other rooms will
be  renovated  to become part of this suite.  A new  mechanical  system shall be
dedicated  to the  suite  and  power  will be taken  from the main  feed for the
existing building.

The objectives of the project are:

o    Provide a FDA approved manufacturing space for a new cGMP pilot formulation
     and filling area.

o    Build a new sterile  suite that will be a validated in  accordance  to meet
     FDA standards.

o    Build a competitive, quality, and cost effective facility.

o    Deliver a safe and functional building.

o    Assure that the facility meets applicable regulatory requirements.

This  project  entails the  renovation  of the existing  warehouse  area located
behind the existing lyophilizer and will also include renovation of two existing
rooms to house the new gowning area and a material prep room.  The material prep
room shall also be used to store raw materials and bottled WFI water.  Ancillary
rooms and air locks will also be created to support the new  program.  Glassware
for this  facility  will be leased  and set back and forth  from the  vendor for
sterilization,

The proposed new facility program is as follows:

-------------------------------------------- ---------------------------
ROOM / FUNCTION                                       NEW AREA
-------------------------------------------- ---------------------------
100 Fill Room                                          364 SF
-------------------------------------------- ---------------------------
101 Gowning Room                                       116 SF
-------------------------------------------- ---------------------------
102 Airlock                                             24 SF
-------------------------------------------- ---------------------------
103 Material Prep                                      126 SF
-------------------------------------------- ---------------------------
TOTAL RENOVATED AREA:                                  640 SF
-------------------------------------------- ---------------------------

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

                             Confidential Treatment

Advanced  Biotherapy seeks  operational use of the Pilot Formulation and Filling
area in the fourth quarter of 2003. To meet this schedule,  the facility  should
be completed and validated by October 2003. The proposed implementation plan for
this project calls for a fast-track  design/build approach that allows for final
design,   equipment   procurement,   and   construction   activities   to  occur
simultaneously  in order to meet the required  schedule.  In the Basis of Design
that follows in Section 3.0, IPS provides the criteria for final design.

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Our GMP Cost Estimate is based on the  engineering  documentation  identified at
the end of this  document.  IPS'  professional  cost  estimating  team will seek
project  pricing  from  some of the local  mechanical,  electrical  and  general
construction  subcontractors  and  vendors in and around the area to confirm our
estimates in the market  place.  A detailed  cost  breakdown  is included  which
identifies the specific  quantities of materials included and the items excluded
as part of this scope of work.  Allowances have been identified and included for
items where  final  scope  definition  has yet to be  established  and work that
relates directly to Owner furnished  equipment.  The allowances have been set at
levels of cost, which should  accommodate the design intent,  which is described
hereinafter.

The Total  Cost of the  Guaranteed  Maximum  Price is:  One  Hundred  Sixty Four
Thousand Four Hundred Eleven Dollars ($164,411.00)

1.2  Key Issues for Project Success

     The  successful  delivery  of a  technically  driven  project  is a complex
     endeavor,  IPS is up to the  challenge  since  this is our  chosen  area of
     expertise and daily practice. Over 95% of our firm's activities are devoted
     toward implementation of cGMP-driven  pharmaceutical projects. This project
     has multiple  critical issues,  which must be clearly addressed in order to
     achieve the program's  objectives.  The discussion,  which follows,  offers
     insights on a proposed approach.

1.2.1 Quality

     This project requires exceptional attention to detail in order to deliver a
     facility which meets Advanced Biotherapy  performance  requirements and the
     necessary  conformance and compliance  requirements  imposed on the project
     from federal,  state, and local authorities,  including FDA, EPA, and OSHA.
     Our team is extensively  skilled and  knowledgeable  of the  pharmaceutical
     processing and related  technologies and is capable of translating Advanced
     Biotherapy  requirements  into effective  facility  solutions.  In the last
     fourteen  years,  IPS has  successfully  completed  several hundred million
     dollars of pharmaceutical  facilities; all of which have been successful in
     their achievement of business and technical objectives.

1.2.2 Compliance

     Establishing a compliant  process  facility is perhaps the most challenging
     activity in the capital project area of bio/pharmaceutical enterprises. The
     many complicated and overlapping compliance imperatives are impressive. Not
     only must the facility function in a way that achieves business  objectives
     for a time to market,  flexibility,  and cost  advantage,  but the facility
     must  also  achieve  these   challenges   within  an  evolving   regulatory
     environment.  The  integration  of the IPS  project  team will  result in a
     facility  that  complies  directly  with FDA  regulations  for current Good
     Manufacturing Practices and achieve an excellent operational profile from a
     safety,  health,  and  an  environmental   perspective.   These  two  major
     objectives for  compliance  will be integrated  into a successful  facility
     design that also gracefully  accommodates  prudent life cycle operating and
     maintenance costs.

     Delivering  value in this  environment is a considerable  challenge for the
     design/build team. IPS has such experience and has demonstrated  successful
     performance in designing and  constructing  challenging  facilities of this
     type.  Since we are  designers  as well as  builders  and  validators,  our
     complete project cycle experience brings invaluable insights

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     and relevant practical experience to achieve Advanced Biotherapy objectives
     on this  project.  Our  designers  are  often  called  to  closely  support
     construction on behalf of our design/build projects. When our designers are
     asked   to   prepare   contract   documents   and   provide    construction
     administration, we are well versed and remain excited about the achievement
     of these challenges.

     Our team is well grounded in real-time,  modern compliance and performance.
     Our validators routinely review  constructabilty and validatability  issues
     and are challenged,  daily, to plan,  commission,  and implement validation
     plans  based  on  our  designs.  IPS  total  in-house  capabilities  are an
     excellent match for this project's  requirements  and we are very confident
     that we can meet the project's business and technical objectives and become
     a valued member of the project team.

1.2.3 Speed

     This project's  objectives  must be  accomplished  within a fixed amount of
     calendar  time.  We have  complete  confidence in our abilities to meet the
     timetable. This project is well within our capabilities to totally support,
     not only from a technical standpoint,  but also from in-house resources. We
     believe  having  the right  talent in the right  numbers  is  essential  to
     meeting this project's need for timely  achievement of deadlines.  Since we
     are designibuilders, we are routinely involved with speed critical projects
     and our entire team  routinely  works  quickly and  efficiently  toward our
     clients' objectives.  This project is a good fit for our team The project's
     speed and need for tight  coordination with the operations of your existing
     facility are evident and well understood by IPS

1.2.4 Technology

     Implementing  sophisticated  processing  technologies  within a challenging
     building  environment  for cGMP and  safety  compliance  is a  considerable
     design  challenge.  Only  firms with  extensive  practical  experience  can
     achieve  these  technical  objectives.  IPS  is up to  the  challenge.  Our
     practice is specifically focused on sterile manufacturing.  During the last
     fourteen   years  we  have  been  involved   with  many  multiple   product
     manufacturing  facilities  and  pilot  plants,  as well as a full  range of
     design, build, and validation assignments of bio-tech facilities. Our staff
     is deeply  skilled and  experienced  in these  endeavors  and we have truly
     relevant experience and knowledge to bring to this project.

     Our  design/build  team  routinely  supports   validation  efforts  through
     documentation  and field support.  This project is a great  opportunity for
     IPS  to  re-demonstrate  our  skills  and  commitment.  We  are  up to  the
     challenge.  The result will be a design that  creates  the  flexibility  to
     address current and anticipated technology.

1.2.5 Leadership

     Achieving Advanced Biotherapy's  technical and business objectives for this
     project  requires  teamwork  and a great plan.  Tight  coordination,  clear
     responsibilities, and excellent communication are essential on this project
     if we are  to  achieve  our  goals  and  meet  the  challenges  ahead.  IPS
     understands these dynamics and has demonstrated success in becoming a vital
     part of owner's teams under these demanding  circumstances.  We are leaders
     in our field and have an excellent  grasp of our role and  responsibilities
     on this  project.  Advanced  Biotherapy  can count on us 100% to be prudent
     team members. Our partner-in-charge  approach to project management is very
     effective.  We  pledge  our total  corporate  commitment  on this  project.
     Decisions will be streamlined and support

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     will be solid and timely.  We will share all decisions  with a strong sense
     of professionalism and purpose.

     IPS' offer provides Advanced Biotherapy with a single point of contact from
     concept through qualifications.  This approach provides Advanced Biotherapy
     with one individual that has full  responsibility  and  accountability  for
     coordination, communication, and commitment.

1.3  Design/Build Project Strategies

     We  propose to  implement  this  project  with a  fast-track,  design/build
     approach.  The key elements of such an approach call for prudent completion
     of design,  timely purchase of long-lead  items,  and fieldwork in order to
     achieve the phased  occupancies  required by June 2003.  We will provide an
     integrated  project  schedule for  achieving our  objectives.  Our proposed
     project approach calls for the following major activities going forward:

     o    Re-confirmation,  through  the  documentation  contained  within  this
          Proposal, of the program requirements and project intent to ensure all
          of  Advanced   Biotherapy's   process  and  utility  requirements  are
          addressed.

     o    Further  development  and  implementation  of a critical  path  method
          construction  schedule as a key project management tool.

     o    Development of master plan for validation and compliance (not included
          in IPS scope at this  time)

     o    Development and analysis of bids for subcontracted work.

     o    Procurement  of long lead  material and release of HVAC  equipment and
          controls so that they are  received in a timely  manner in  accordance
          with the project schedule requirements.

     o    Introduction  and  inclusion  of   sub-contractors   on  final  design
          documentation   for   constructability   reviews   and   efficiencies.

     o    Integrated  construction  management for scheduling,  cost control and
          subcontractors  managed at the site by IPS personnel.

     o    Detailed review of installations  and project progress for the purpose
          of commissioning and start-up.

     o    Commissioning, validation (of selected systems and qualifications) and
          closeout package turnover.

1.4 Design/Build Project Discussion

     1.4.1Staged Design  Services:  We are ready to begin the detailed  stage of
          our design  services.  The costs  expended to date are not included in
          this  Proposal.  The effort to complete  the project will entail final
          dimensions  and  adding  clear  definition  to the  concept  drawings.
          Engineering   solutions  and   conformance  to  the  local  codes  and
          authorities  will be key activities.  Also, this proposal will include
          the design support of  construction  activities.  Our design team will
          remain intimately involved with the field. construction throughout the
          balance of the work including commissioning and validation.

     1.4.2Project  Safely:  We will  implement  a vigorous  safety  program  and
          coordinate  all  field  activities  with  site  safety  goals  as  top
          priority. Our field staff will conduct weekly safety meetings and will
          monitor  field  operations  with a keen eye toward total  adherence to
          safe practices. IPS routinely reviews the client site requirements and
          incorporates them into the comprehensive IPS plan.

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     1.4.3Subcontractors:  IPS will enlist  local  subcontractors  that meet our
          standards for safety and quality.  These firms will be highly  capable
          and   well-staffed   organizations   that  will  meet  our  needs  and
          requirements.  IPS has an  extensive  network  of  subcontractors  and
          vendors we have successfully  completed projects with. All competitive
          bid items are reviewed with Advanced Biotherapy in detail.

     1.4.4Construction  Management : This project  demands  efficient  execution
          and thorough  planning.  Our  construction  management  plan calls for
          on-site  management of subcontractors  led by a senior project manager
          from IPS who is supported by a field superintendent and field engineer
          as well as home office  planning  and cost control  staffers.  Through
          these efforts by a single  source,  Advanced  Biotherapy  will realize
          coordination benefits.

          Along  with  the  selection  of  talented  subcontractors,  successful
          implementation  must include an aggressive  expedition  and scheduling
          program.  We  will  establish  short-term  schedules,   hold  frequent
          coordination   meetings  with  subcontractors   regarding  scheduling,
          quality, and safety and establish a very detailed progress measurement
          system that will allow for confident tracking and control.

     1.4.5Purchasing/Expediting:  We have undertaken an aggressive  pre-purchase
          and expediting program in order to meet the scheduled activities. This
          includes functional specifications, vendor coordination, incentives as
          prudent to speed vendor engineering and deliveries, and shop visits as
          appropriate to verify progress and improve overall  delivery dates. In
          addition  to the  activities  listed  above  for major  equipment  and
          systems,  we will work  closely  with our  subcontractors  to identify
          critical  materials and assure that they will flow in a timely fashion
          to support our schedule.

     1.4.6Permits: We have established working  relationships with Howard County
          authorities,  which are important to the success of a project. We have
          identified all critical  permitting  applications and have established
          schedules and milestone objectives to implement this important area of
          project management.  We know our first task at hand is to expedite the
          fire  protection  plan so that there is sufficient time to accommodate
          the current schedule sequence.

     1.4.7Cost Control:  We will  establish a detailed  cost control  budget for
          the project and will work closely with major subcontractors to develop
          a  coordinated  cost  reporting  system.  We  will  carefully  measure
          engineering  and field progress and deploy our change control  program
          for timely identification of potential issues for team discussion.  We
          will clearly define status,  progress, and projected final totals in a
          meaningful way. We will support value-engineering activities to assure
          Advanced  Biotherapy that a cost-efficient  facility is being provided
          that  meets  immediate   occupancy  needs,  as  well  as  accommodates
          longerterm  objectives  where  prudent and  possible.  Our expert cost
          engineering  capabilities  will play a vital role in the cost  control
          program for the project.

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2.0 SCOPE OF SERVICES

  2.1 Project Management

     2.1.1The work is broken  down by  construction  packages  that best fit the
          client's  needs.  IPS  provides  bid  packages   according  to  client
          production needs,  relocation dates, permitting  requirements,  design
          constraints, and equipment delivery requirements.

     2.1.2IPS  monitors  cost  through  the  use  of  several   systems.   Scope
          Adjustment Notices (SAN) are issued immediately upon identification of
          changes in the  overall  project  scope.  This  allows our clients the
          ability  to  react to  change  and  make  decisions  based on cost and
          schedule  impacts.  Likewise,  IPS uses a system for Potential  Change
          Orders to track the subcontractor  changes.  We also monitor and track
          the  progress  of the  project  against  our  detailed  CSI coded cost
          breakout  and the project  schedule in support of project  invoices to
          Advanced Biotherapy and from subcontractors,

     2.1.3Time  Management.  and Project  Scheduling is the key tool for project
          success.  A Project  Milestone  Schedule has been  provided  with this
          quotation.  At the start of the project, IPS will prepare and link all
          activities  required  for the design,  procurement,  construction  and
          validation  of the  project.  The  schedule  is an active  document to
          provide the team with the plan for a successful  project.  Changes are
          incorporated  and  evaluated  and progress will be tracked on a weekly
          basis. Any deviation to the Critical Path Method will be evaluated and
          work around plans provided.

     2.1.4Risk Management is a function of good  communication.  The IPS Project
          Manager will work closely and communicate with Advanced  Biotherapy to
          identify and evaluate risk. IPS typically  works with their clients to
          identify client business plans to enable review of design, procurement
          construction  and validation  activities for potential  risk. IPS will
          assist to evaluate these issues and manage the  subsequent  activities
          accordingly.

     2.1.5Project  Reporting and Control Systems are provided to meet the client
          and project  needs.  As  previously  discussed,  cost and schedule are
          monitored  and updated  regularly.  IPS will  conduct  client  project
          review meetings on a weekly basis and site contractor  review meetings
          on  a  weekly   basis.   IPS  also   conducts   drawing   reviews  and
          constructability  reviews that are conducted as needed  throughout the
          project.  The frequencies of meetings are adjusted to meet the project
          needs.

     2.1.6Document  Management  is initiated on a project  specific  basis.  The
          Project Lead Sheet will contain the drawing and revision dates for the
          project.  All  specifications  are  logged  by number  and  date.  All
          distributions are issued and accompanied by a transmittal,  containing
          the description, revision dated and distribution.

     2.1.7Configuration  and Change  Management are managed  through our SAN and
          PCO documents. Changes in construction packages are controlled through
          the issuing of bulletins and all contractor questions are written on a
          standard Request for Information format.

     2.1.8Records  Management.  All project  related  documents are filed in the
          project file,  which is regulated  through a standard  filing  system.
          Documents are issued via a transmittal  and  correspondence  is coded.
          Logs are kept electronically and backed up daily.

     2.1.9Project Coordination.  All IPS services for this project are delivered
          through one office,  this allows for easy access and for a smooth flow
          of information. The project group is

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          linked  via an email  system  and can easily  access  common  software
          through the company  computer  system.  Formal  meetings are organized
          with an  agenda  and  minutes  are kept and  issued.  All  issues  are
          surfaced,  distributed and resolved in an efficient manner. Issues are
          tabulated and tracked  through the institution of an Action Plan list.
          The  aforementioned  activities  of  scheduling  and cost  control are
          additional  tools used to  coordination  and prioritize the activities
          performed by the project team.

     2.1.10 Project Lists will be provided and are typical for:

          Equipment List
          Drawing List
          Specification Log
          Document Distribution List
          PCO Log
          SAN Log

          Additional lists will be provided, as the project requires.

2.2  Final Engineering & Design

     2.2.1 Construction Phase (Construction Administration)

          Listed  below is a  summary  of  anticipated  deliverables  by the IPS
          architect's and engineer's to support the construction phase effort of
          the project:

          1. Shop drawing  reviews.
          2. Respond to Requests for  Information  (RFIs).
          3. Conflict resolution during  construction.
          4. Assist in commissioning of systems by providing general guidance.
          5. Review commissioning report.

     2.2.2 Record drawings

          Listed below is a summary of the  anticipated  deliverables  by IPS in
          support of the project closeout:

          1.  Provide  record  drawings  consisting  of  contractors'  marked up
          drawings.

2.3 Procurement, Construction Administration and Construction Management

     2.3.1 Procurement

          1. Develop and issue specifications for long-lead equipment.

          2. Provide early bid package for HVAC,  drywall,  painting,  doors and
          hardware and fire protection.

2.3.2 Construction Administration

          1. Attend pre-bid meetings.
          2. Respond to questions/clarifications from bidders (RFI's).
          3. Technical evaluation of bids.
          4. Assist in awarding contracts.
          5. Shop drawing reviews.

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          6. Periodic  construction  site visits by each  discipline.
          7. Punch listing by each  discipline.
          8. Assist in  commissioning  of systems by providing  general
             guidance.
          9. Review commissioning  report.
         10. Assist in validation master plan process by providing required
             drawings and documents.

2.3.3  Construction Management

         1. Full time on-site supervision
         2. Preparation and monitoring of project schedules
         3. Safety standard enforcement
         4. Coordination of owner furnished items
         5. Coordination with the developer's project team
         6. Site cleanliness
         7. Preparing and maintaining cost accounting procedures that track
            costs to date and costs to complete
         8. Monitoring subcontractor invoices
         9. Reviewing major discipline bids with Advanced Biotherapy prior to
            selection
        10. Subcontractor coordination
        11. Quality Assurance
        12. Job Site Office
        13. Shutdown Coordination
        14. Estimating of alternatives or scope change requests
        15. Constructability Review
        16. Pre-purchase of Equipment
        17. Contract Administration
        18. Commissioning (See Section 2.4)

2.4 Commissioning/Validation

     2.4.1 Commissioning

     Commissioning  is a process by which  building  systems and  equipment  are
     evaluated  and  confirmed  to be  installed  and  ready  for  operation  in
     conformance  with  the  design  intent.  This  process  is  conducted  upon
     installation and start-up, by qualified installers, with the support of the
     engineers,  construction personnel and validation personnel, as applicable.
     This process can provide certain benefits  including timely  identification
     of  installation  and/or  operation  issues and a cost efficient  manner of
     assuring  proper  installation  and  operation  (since it takes place while
     construction management,  installing  professionals,  design personnel, and
     validation  personnel  are actively on the job).  In addition,  a solid and
     well thought out  commissioning  program can have a positive  impact on the
     qualification   effort.   It  is   beneficial   to  identify   and  rectify
     non-conforming  characteristics during the commissioning effort so that the
     qualification  schedule is not negatively impacted by non-conforming  tests
     and so that the regulatory  documentation does not include  unnecessary and
     avoidable deviations.

          IPS'      unique      delivery       mechanism      of      integrated
     design-construction-validation  will have a positive impact on the project.
     The single source responsibility for delivering this project compels IPS to
     maintain an overall team approach that includes the combined

                                        9

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<PAGE>

     efforts of vendors and  contractors  alike.  The leverage of including  the
     participation  of these groups into the  commissioning  effort will greatly
     impact the success of this project and its timely  delivery by  eliminating
     redundant tasks. In addition,  IPS has saved validation costs by performing
     and  documenting  critical FATs to help ensure process  qualifications  and
     reduce field time and cost.

     The commissioning effort will include contractor,  Owner and IPS personnel,
     depending  on the nature of the  subject  matter.  This  proposal  has been
     estimated  for a single  review cycle per  document by Advanced  Biotherapy
     (one draft review, comment incorporation, then issuance for signature).

                                       10

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<PAGE>

PROJECT OVERVIEW

PROJECT APPROACH - DESIGN/BUILD PROJECT DELIVERY FLOW DIAGRAM

                                [ FLOW DIAGRAM ]

                                       11

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<PAGE>

                               3.0 BASIS OF DESIGN

                                       12
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<PAGE>

                     (BASIS OF DESIGN UNDER SEPARATE COVER)

                                       13

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<PAGE>

                                4.0 GMP ESTIMATE

                                       14

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<PAGE>

-------------------------------------------------------------------------------
                            ADVANCED BIOTHERAPY, INC.
                                  COLUMBIA, MD
                             IPS PROJECT NO. 030011
                  BUDGETARY COST ESTIMATE SUMMARY (+ OR - 20%)
                                    315/2003
-------------------------------------------------------------------------------
COST CODE           DESCRIPTION                                   TOTAL
-------------------------------------------------------------------------------
   1000           GENERAL CONDITIONS                            $23,542.50
-------------------------------------------------------------------------------
   2000           SITE WORK                                      $3,870.00
-------------------------------------------------------------------------------
   3000           CONCRETE                                           $0.00
-------------------------------------------------------------------------------
   4000           MASONRY                                            $0.00
-------------------------------------------------------------------------------
   5000           METALS                                           $980.00
-------------------------------------------------------------------------------
   6000           CARPENTRY                                        $200.00
-------------------------------------------------------------------------------
   7000           THERMAL & MOISTURE PROTECTION                   $1450.00
-------------------------------------------------------------------------------
   8000           WINDOWS                                       $12,600.00
-------------------------------------------------------------------------------
   9000           FINISHES                                      $12,782.00
-------------------------------------------------------------------------------
   10000          SPECIALTIES                                        $0.00
-------------------------------------------------------------------------------
   11000          EQUIPMENT                                           $0.00
-------------------------------------------------------------------------------
   12000          FURNISHINGS                                    $1,800.00
-------------------------------------------------------------------------------
   13000          SPECIAL CONSTRUCTION                           $1,000.00
-------------------------------------------------------------------------------
   14000          CONVEYING SYSTEMS                                  $0.00
-------------------------------------------------------------------------------
   15000          MECHANICAL                                    $40,054.00
-------------------------------------------------------------------------------
   16000          ELECTRICAL                                    $21,696.43
-------------------------------------------------------------------------------
   17000          PROCESS EQUIPMENT & SYSTEMS                        $0.00
-------------------------------------------------------------------------------
   80000          CONTINGENCY                                   $12,117.47
-------------------------------------------------------------------------------
   81000          INSURANCES, TAXES, AND BONDS                   $1,199.75
-------------------------------------------------------------------------------
   83000          DESIGN AND ENGINEERING                        $16,172.00
-------------------------------------------------------------------------------
   84000          FEE                                           $14,946.41
-------------------------------------------------------------------------------

-------------------------------------------------------------------------------
                  TOTAL PROJECT COST                           $164,411
===============================================================================

                             Confidential Treatment

NOTE:

Add $23,500 for  Pharmaceutical  Grade  Modular Wall System  Option which has an
associated lead time of 4 weeks.

                                       15

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<PAGE>

===============================================================================
INTEGRATED PROJECT SERVICES
ESTIMATING                                           ADVANCED BIO THERAPY, INC
                                                   BUDGETARY ESTIMATE(DETAILED)

===============================================================================
  COST CODE       DESCRIPTION                QUANTITY  UNIT  UNIT COST SUBTOTAL
===============================================================================
GENERAL CONDITIONS
===============================================================================
      01000       GENERAL CONDITIONS                                         $0
-------------------------------------------------------------------------------
      01004       TELEPHONE - TOLL CALLS        1       MO      $80.00      $80
-------------------------------------------------------------------------------
      01006       REIMBURSEABLES                1     ALLOW    $500.00     $500
-------------------------------------------------------------------------------
      01007       TRAVE/LODGING                 4       WK     $150.00     $600
-------------------------------------------------------------------------------
      01047       SUPERINTENDENT                4       WK   $2,900.00  $11,600
-------------------------------------------------------------------------------
      01048       PROJECT MANAGER               2       WK   $4,000.00   $8,000
-------------------------------------------------------------------------------
      01049       CLERICAL SUPPORT              2       WK     $250.00     $500
-------------------------------------------------------------------------------
      01064       BUILDING PERMIT               1     ALLOW  $1,500.00   $1,500
-------------------------------------------------------------------------------
      01051       SAFETY SUPERVISION            1     ALLOW      $0.00       $0
-------------------------------------------------------------------------------
      01305       DRAWINGS & PRINTS             1       LS     $500.00     $500
-------------------------------------------------------------------------------
      01306       COURIER & POSTAGE             1       MO     $100.00     $100
-------------------------------------------------------------------------------
      01512       TEMPORARY LIGHTING           650      SF       $0.25     $163
-------------------------------------------------------------------------------
      01794       ATTORNEY'S FEES                                            $0
-------------------------------------------------------------------------------
      01795       RENTAL                                                     $0
-------------------------------------------------------------------------------
                    GENERAL CONDITIONS SUBTOTAL                         $23,543
-------------------------------------------------------------------------------
  SITE WORK
-------------------------------------------------------------------------------
      02000       SITE WORK                                                  $0
-------------------------------------------------------------------------------
      02001       SITE WORK END OF CONTRACT                                  $0
-------------------------------------------------------------------------------
      02002       DUMPSTERS                     1       EA     $550.00     $550
-------------------------------------------------------------------------------
      02003       CLEANING                      8      HRS      $20.00     $160
-------------------------------------------------------------------------------
      02070       SELECTIVE DEMO WALLS
                    AND DOOR                    48     HRS      $45.00   $2,160
-------------------------------------------------------------------------------
      02452       SIGNAGE                       1       LS   $1,000.00   $1,000
-------------------------------------------------------------------------------
                      SITE WORK                                          $3,870
-------------------------------------------------------------------------------
CONCRETE
-------------------------------------------------------------------------------
      03000       CONCRETE                      0       LS       $0.00       $0
-------------------------------------------------------------------------------
                      CONCRETE                                               $0
-------------------------------------------------------------------------------
MASONRY
-------------------------------------------------------------------------------
      04000       MASONRY                                                    $0
-------------------------------------------------------------------------------
                      MASONRY                                                $0
-------------------------------------------------------------------------------
METALS
-------------------------------------------------------------------------------
      05000       METALS
-------------------------------------------------------------------------------
      05120       STRL SUPPORTS FOR GWB
                    CEILING                    400      SF       $1.20     $480
-------------------------------------------------------------------------------
      05500       STRUCTURAL/MISC STEEL         1       A         $500.00  $500
-------------------------------------------------------------------------------
                      METALS                                               $980
-------------------------------------------------------------------------------
CARPENTRY
-------------------------------------------------------------------------------
      06000       CARPENTRY, WOOD BLOCKING      1       LS     $200.00     $200
-------------------------------------------------------------------------------
                      CARPENTRY                                            $200
-------------------------------------------------------------------------------
THERMAL & MOISTURE PROTECTION
-------------------------------------------------------------------------------
      07000     THERMAL & MOISTURE PROTECTION                                $0
-------------------------------------------------------------------------------
      07850     ROOF CURB FOR COND UNIT         1       EA     $750.00     $750
-------------------------------------------------------------------------------
      07600     FLASHING                        20      LF      $10.00     $200
-------------------------------------------------------------------------------
      07930     CUT AND PATCH ROOF              1     ALLOW    $500.00     $500
-------------------------------------------------------------------------------
                    THERMAL & MOISTURE
                      PROTECTION                                         $1,450
-------------------------------------------------------------------------------
WINDOWS
-------------------------------------------------------------------------------
      08000     WINDOWS                                                      $0
-------------------------------------------------------------------------------
      08100     HOLLOW METAL FRAMES AND
                  DOORS, DOUBLE                 1       EA   $2,000.00   $2,000
-------------------------------------------------------------------------------
      08100     HOLLOW METAL FRAMES AND
                  DOORS, SINGLE                 3       EA   $1,000.00   $3,000
-------------------------------------------------------------------------------
      08100     METAL DOORS-SINGLE              2       EA     $750.00   $1,500
-------------------------------------------------------------------------------
      08100     DOOR INSTALLATION               7       EA     $300.00   $2,100
-------------------------------------------------------------------------------
      08700     DOOR HARDWARE                   7      SETS    $350.00   $2,450
-------------------------------------------------------------------------------
      08605     WINDOWS (24 X 30)               2       EA     $250.00     $500
-------------------------------------------------------------------------------
      08850     GLAZING                         7       EA     $150.00   $1,050
-------------------------------------------------------------------------------
                      WINDOWS                                           $12,600

                                       16

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<PAGE>

===============================================================================
INTEGRATED PROJECT SERVICES
ESTIMATING                                           ADVANCED BIO THERAPY, INC
                                                   BUDGETARY ESTIMATE(DETAILED)

===============================================================================
  COST CODE       DESCRIPTION                QUANTITY  UNIT  UNIT COST SUBTOTAL
===============================================================================
FINISHES
===============================================================================
      09000     FINISHES                                                     $0
-------------------------------------------------------------------------------
      09120     GYPSUM CEILING                 590      SF       $3.50   $2,065
-------------------------------------------------------------------------------
      09250     GYPSUM WALL BOARD TO
                  10'HT, 0 HR                  640      SF       $4.75   $3,040
-------------------------------------------------------------------------------
      09659     VCT                            590      SF       $4.00   $2,360
-------------------------------------------------------------------------------
      09661     VINYL BASE                     170      LF       $2.00     $340
-------------------------------------------------------------------------------
      09900     EPOXY PAINTING                2765      SF       $1.80   $4,977
-------------------------------------------------------------------------------
                      FINISHES                                          $12,782
-------------------------------------------------------------------------------
SPECIALTIES
-------------------------------------------------------------------------------
      10000     SPECIALTIES                                      $0.00
-------------------------------------------------------------------------------
                      SPECIALTIES                                            $0
-------------------------------------------------------------------------------
EQUIPMENT
-------------------------------------------------------------------------------
      11000     EQUIPMENT                                                    $0
-------------------------------------------------------------------------------
                      EQUIPMENT                                              $0
-------------------------------------------------------------------------------
FURNISHINGS
-------------------------------------------------------------------------------
      12000     FURNISHINGS                                                  $0
-------------------------------------------------------------------------------
      12000     DOOR LOCKING AND ALARM          1     ALLOW    $300.00     $300
-------------------------------------------------------------------------------
      12825     PASS-THRU                       1       EA   $1,500.00   $1,500
-------------------------------------------------------------------------------
                      FURNISHINGS                                        $1,800
-------------------------------------------------------------------------------
SPECIAL CONSTRUCTION
-------------------------------------------------------------------------------
      13000     SPECIAL CONSTRUCTION                                         $0
-------------------------------------------------------------------------------
      13002     RIGGING                         1       LS   $1,000.00   $1,000
-------------------------------------------------------------------------------
                      SPECIAL CONSTRUCTION                               $1,000
-------------------------------------------------------------------------------
CONVEYING SYSTEMS
-------------------------------------------------------------------------------
      14000      CONVEYING SYSTEMS                                           $0
-------------------------------------------------------------------------------
                      CONVEYING SYSTEMS                                      $0
-------------------------------------------------------------------------------
MECHANICAL
-------------------------------------------------------------------------------
      15000     MECHANICAL -
-------------------------------------------------------------------------------
      15074     REFRIGERANT PIPING              20      LF      $25.00     $500
-------------------------------------------------------------------------------
     15074-1    INSULATION-REFRIGERANT PIPING   20      LF       $9.00     $180
-------------------------------------------------------------------------------
      15258     DUCT INSULATION                763      SF       $3.00   $2,289
-------------------------------------------------------------------------------
      15841     DUCTWORK                       957      LB       $6.00   $5,742
-------------------------------------------------------------------------------
      15500     SPRINKLERS RELOCATED            1       LS   $4,194.00   $4,194
-------------------------------------------------------------------------------
      15762     AIR HANDLING UNIT,
                  FURNISH ONLY                 2800     CFM      $4.50   12,600
-------------------------------------------------------------------------------
     15762-1    INSTALL AND TRIM OUT AHU AND
                  COND UNITS                    1       LS   $1,800.00   $1,800
-------------------------------------------------------------------------------
      15841     DUCTWORK, FLEX                  55      LF       $9.00     $495
-------------------------------------------------------------------------------
      15873     HEPA FILTERS                    7       EA     $650.00   $4,550
-------------------------------------------------------------------------------
     15873-1    HEPA CERTIFICATIONS             7       EA      $90.00     $630
-------------------------------------------------------------------------------
      15900     CONTROLS & INSTRUMENTATION      5      PTS   $1,050.00   $5,250
-------------------------------------------------------------------------------
      15910     TESTING, ADJUST AND
                  BALANCING - AIR               16     HRS      $80.00   $1,280
-------------------------------------------------------------------------------
      15990     START-UP ALLOWANCE              8      HRS      $68.00     $544
-------------------------------------------------------------------------------
      15999     CHANGE ORDERS                                                $0
-------------------------------------------------------------------------------
                      MECHANICAL                                        $40,054
-------------------------------------------------------------------------------
ELECTRICAL
-------------------------------------------------------------------------------
      16000     ELECTRICAL
-------------------------------------------------------------------------------
      16100     POWER FEEDS -CONUIDTS,
                  WIRES                        1070     LF       $7.83   $8,378
-------------------------------------------------------------------------------
      16110     WIRE MOLD                       30      LF      $30.62     $919
-------------------------------------------------------------------------------
      16140     WIRING DEVICES                  25      EA      $42.79   $1,070
-------------------------------------------------------------------------------
      16142     RECEPTACLES                     19      EA      $45.58     $866
-------------------------------------------------------------------------------
      16145     STARTERS                        1       EA   $1,316.00   $1,316
-------------------------------------------------------------------------------
      16160     PANEL BOARDS                    2       EA   $2,166.00   $4,332
-------------------------------------------------------------------------------
      16353     DISCONNECT SWITCHES             2       EA     $275.00     $552
-------------------------------------------------------------------------------
      16481     MOTOR HOOK-UPS                  2       EA      $64.05     $128
-------------------------------------------------------------------------------
      16500     LIGHTING                        11      EA   $3,760.00   $4,136
-------------------------------------------------------------------------------
                      ELECTRICAL                                        $21,696
-------------------------------------------------------------------------------

                                       17
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             Phone: 410.296.8590 - Fax: 410.296.8594 . www.ipsdb.com

<PAGE>

===============================================================================
INTEGRATED PROJECT SERVICES
ESTIMATING                                           ADVANCED BIO THERAPY, INC
                                                   BUDGETARY ESTIMATE(DETAILED)

===============================================================================
  COST CODE       DESCRIPTION                QUANTITY  UNIT  UNIT COST SUBTOTAL
===============================================================================
VALIDATION
-------------------------------------------------------------------------------
      17000     VALIDATION                      0    ALLOW       $0.00       $0
-------------------------------------------------------------------------------
                      PROCESS SYSTEMS                                        $0
-------------------------------------------------------------------------------
CONTINGENCY
-------------------------------------------------------------------------------
     80000      CONTINGENCY   10%               1       LS  $12,117.47  $12,117
-------------------------------------------------------------------------------
                      CONTINGENCY                                       $12,117
-------------------------------------------------------------------------------

-------------------------------------------------------------------------------
     81000      INSURANCE & TAXES, BONDS        1       LS   $1,199.75   $1,200
-------------------------------------------------------------------------------
                                                                         $1,200
-------------------------------------------------------------------------------

-------------------------------------------------------------------------------
                                                                             $0
-------------------------------------------------------------------------------
DESIGNIENGINEERING
-------------------------------------------------------------------------------
      83000     DESIGN & ENGINEERING            1       LS  $16,172.00  $16,172
-------------------------------------------------------------------------------
                      DESIGN/ENGINEERING                                $16,172
-------------------------------------------------------------------------------

-------------------------------------------------------------------------------
      84000     OVERHEAD/FEE                    1       LS  $14,946.41  $14,946
-------------------------------------------------------------------------------
      84400     SALES TAX                    EXCLUDED                        $0
-------------------------------------------------------------------------------
                                                                        $14,946
-------------------------------------------------------------------------------

                                       18
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             Phone: 410.296.8590 -Fax: 410.296.8594 - www.ipsdb.com

<PAGE>

                   5.0 CLARIFICATIONS/ASSUMPTIONS/EXCLUSIONS

                                       19
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             Phone: 410.296.8590 - Fax: 410.296.8594 . www.ipsdb.com

<PAGE>

5.0     CLARIFICATIONS / ASSUMPTIONS / EXLUSIONS

GMP Estimate
Clarifications, Assumptions and Exclusions

The following  represents a list of assumptions,  clarifications  and exclusions
used  in  preparation  of the  GMP  estimate.  It is  noted  that  there  may be
adjustments  to the  Guaranteed  Maximum  Price  based on the change in scope in
terms of the revised  documents and/or any changes to the following  assumptions
and clarifications:

1.   The  IPS  estimating  contingency  in the  GMP  Estimate  is  10% of  costs
     excluding Owner Furnished process equipment capital costs. This contingency
     is exclusively  meant to pay for all the costs  associated  with estimating
     variances,   work  associated  with  final  documents  changes  and  design
     development to meet the basis of design criteria,  and contractor's  change
     orders for  differing  conditions  etc,  The  purpose  of the  contingency,
     however, is not to pay for additional work requests or scope adjustments by
     the Owner,

2.   IPS' General Conditions  includes an allowance for the IPS safety personnel
     to visit the jobsite for spot inspection once every two (2) weeks.  IPS has
     not included a full time, dedicated safety person for the project site. The
     normal safety function will be addressed by IPS's field superintendent.

3.   Except as specifically noted, all pricing is for work during normal working
     hours (7.00am- 4:00pm),  8 hours/day,  5 days/week (Monday through Friday).
     IPS excludes all premium time and overtime,  with exception to second shift
     work for the  resinous  flooring  installation.  IPS will  provide time and
     material  records for premium time over the standard 40  hours/week  to the
     Owner on a monthly  basis,  which is to be paid  separately as project cost
     change order, once authorized by the Owner's representative. The costs will
     include subcontractor (trades) costs as well as IPS supervision and General
     Conditions  costs,  and additional  travel costs as required for additional
     shifts.

4.   Costs of removal of existing racks,  process equipment and hoods within the
     existing facility are excluded.

5.   Validation  scope is excluded from this scope of work.  These  services are
     quoted under a separate proposal. Refer to Appendix for proposal.

6.   Validation costs associated with the process equipment IQ/OQ  documentation
     and  protocols  shall be  assumed  to be  purchased  by the Owner  from the
     process equipment suppliers.

7.   It is assumed that no drains or plumbing is included in this proposal.  All
     drains for equipment shall be piped to bottles and removed by personnel.

8.   The  building  pen-nit  and  construction  permit  costs  of  $1,500  is an
     allowance  item and it will be adjusted  based on the actual fees levied by
     the Local Authorities.

9.   Handling and removal of hazardous  material  such as asbestos,  lead paint,
     PCBs,  radioactive  material,  fluorescent  light tubes and  ballasts,  and
     underground tanks are excluded.

10.  IPS has  excluded any rework of existing  egress  paths from the  renovated
     spaces.  Any such work required can be provided for additional cost under a
     separate proposal.

11.  IPS excludes any  installation  of access  platforms for maintenance of new
     HVAC unit or other equipment.

12.  IPS has  allowed  for  the  furnishing  and  installation  of one (1)  fire
     extinguisher  cabinet only in this scope.  Fire  extinguishers are excluded
     from this scope.

13.  All  process  chemicals  and  delivery of raw  materials  used in the final
     process to be provided by the owner.

                                       20
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             Phone: 410,296.8590 - Fax: 410.296.8594 - www.ipsdb.com

<PAGE>

14.  No cost is included for increasing the size of sprinkler  mains or rezoning
     of the building  sprinkler system.  IPS sprinkler work is limited to rework
     of  the  branch  piping  and  head  locations  based  on  the  same  hazard
     classification.

15.  Fire  alarm work in  contract  is  limited  to a new  extender  panel and a
     connection  of the signal cable to the existing  fire alarm panel,  It also
     includes all the necessary fire alarm devices and wiring in the new areas.

16.  An emergency shutoff switch will be installed in the air-handling unit.

17.  No  Telephone  and data  work is  included.  Telephone  and data  wiring is
     excluded,

18.  Security and access  systems work is excluded.  This also excludes any card
     readers,   door  contacts,   magnetic  strikes  and  security  cameras.   A
     combination  lock  will be  provided  for the  entrance  door from the main
     corridor.

19.  Paging system work is excluded.

20.  Costs for purchase of process  equipment  are Owner costs.  This scope does
     not include any startup,  freight,  relocation costs, rigging or setting of
     new or used equipment.

21.  IPS is not responsible for cost or schedule impact of any  deficiencies and
     associated corrective work for the Owner furnished equipment.

22.  All work  associated  with  modifications  to the existing  Lyophilizer  is
     excluded from IPS scope of work.

23.  Identification  tags and signs for  Owner-fumished  process  equipment  are
     excluded.

24.  State sales tax allowances are made for IPS purchased equipment.

25.  Gowning racks and supplies are excluded. IPS assumes that all garments will
     be  provided  by  Advanced  Biotherapy,  including  disposables  for  clean
     construction purposes,

26.  It is assumed that the costs associated with temporary  power,  beating and
     cooling of the project area during  construction,  temporary enclosures for
     heating and cooling of the building, and water will be paid by the Owner.

27.  The temporary  partitions are constructed of  polyethylene  sheet supported
     from temporary studs.

28.  IPS has excluded  temporary  security  services (guard service).  If deemed
     necessary, any guard service shall be provided by the Owner.

29.  IPS  excludes  clean  room  furniture   (i.e.   mirrors,   signage,   trash
     receptacles, etc) with the exception of two fixed gowning benches.

30.  Due to concealed  conditions at the time of this proposal,  IPS has assumed
     that the level of demolition and  renovation  required in the location will
     be as discussed in previous meetings.

31.  IPS excludes certification of HEPA filters Owner provided equipment,

32.  It is assumed that the Owner will make the existing areas  available to IPS
     when required (with prior  coordination)  for new work areas and tie-ins of
     the utilities in existing  areas during the normal  working hours of 7:OOAM
     to 4:00 PM

33.  IPS cannot be held  responsible for schedule impact due to failure of local
     building  officials  to approve  building  permit by date  indicated on the
     Project Schedule, IPS is not responsible for schedule impact due to failure
     of code officials to provide  inspections of installed work in a reasonable
     period of time.

34.  IPS has excluded Payment and Performance Bond costs.

35.  IPS' GMP budget  reflects  that the project is to be built by 'merit  shop'
     labor.

36.  Seismic  hangers  and/or  earthquake  bracing  is not part of this scope of
     work.

37.  All  unit  costs  in the  GMP  identified  with  unit  cost of  "ALLOW"  or
     identified  above  as  an  allowance,   represent  an  allowance  for  that
     particular line item that is the maximum  financial  responsibility  of IPS
     within the GMP. Any costs for any line item with unit cost of "ALLOW"

                                       21
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<PAGE>

     in excess of the indicated amount will be in addition to the to account for
     undefined or Owner-driven scope.

38.  This  proposal  and  all  contents  of  our  offer   expressed   herein  is
     confidential and privileged, can not be disclosed to parties outside of IPS
     and Advanced  Biotherapy  without the specific  written  permission of IPS.
     Dissemination,  distribution,  or copying of this  document  or any portion
     thereof by any party other than IPS is strictly prohibited.

                                       22
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            Phone: 410.296.8590 - Fax: 410.296.8594 - www.ipsdb.com

<PAGE>

                             6.0 MILESTONE SCHEDULE

                                       23
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            Phone: 410.296.8590 - Fax: 410.296.8594 - www.ipsdb.com

<PAGE>

ID    Task Name                               Duration       Resource Names
-------------------------------------------------------------------------------
 1    KICKOFF                                 17 days
-------------------------------------------------------------------------------
 2        GMP Proposal                         0 days        IPS
-------------------------------------------------------------------------------
 3        Advanced Biotherapy Acceptance       2 days        Advanced
-------------------------------------------------------------------------------
 4        Project Kickoff                      0 days        IPS
-------------------------------------------------------------------------------
 5        Signed D/B Contract                   3 wks        Advanced
-------------------------------------------------------------------------------
 6    DETAILED DESIGN                         25 days
-------------------------------------------------------------------------------
 7        HVAC Equipment Specs                   1 wk        IPS
-------------------------------------------------------------------------------
 8        Electrical Confirmation                1 wk        IPS
-------------------------------------------------------------------------------
 9        Permit/Bid Documents                  2 wks        IPS
-------------------------------------------------------------------------------
10        Prepurchase Documents                 2 wks        IPS
-------------------------------------------------------------------------------
11        Construction Issue                    2 wks        IPS
-------------------------------------------------------------------------------
12    PRECONSTRUCTION / PROCUREMENT           55 days
-------------------------------------------------------------------------------
13        Mobilization and Logistics
            Planning                            3 wks        IPS / Advanced
-------------------------------------------------------------------------------
14        HVAC Prepurchase - Bid/Award          2 wks        IPS / Advanced
-------------------------------------------------------------------------------
15        Doors/Frames - Bid/Award              2 wks        IPS
-------------------------------------------------------------------------------
16        HVAC Prepurchase - Delivery           8 wks        HVAC Vendor
-------------------------------------------------------------------------------
17        File Building Permit                   1 wk        IPS
-------------------------------------------------------------------------------
18         ades Bid/Award                       3 wks        IPS
-------------------------------------------------------------------------------
19        Doors/Frames - Delivery               8 wks        Door
-------------------------------------------------------------------------------
20        Building Permit                       4 wks        Howard County
-------------------------------------------------------------------------------
21        Trade Submittals and Approval         2 wks        Trades
-------------------------------------------------------------------------------
22        Sheet Metal Fabrication               3 wks        MECH
-------------------------------------------------------------------------------
23        Electrical Purchases                  2 wks        ELEC
-------------------------------------------------------------------------------
24    CONSTRUCTION                            29 days
-------------------------------------------------------------------------------
25        Mobilize                             0 days        IPS
-------------------------------------------------------------------------------
26        Demolition Utility Relocation          1 wk        GC
-------------------------------------------------------------------------------
27        Mechanical Electrical Overhead         1 wk        MECH/ELEC
-------------------------------------------------------------------------------
28        Install Air Handler                  3 days        MECH
-------------------------------------------------------------------------------
29        Drywall Partitions one sides,          1 wk        GC
-------------------------------------------------------------------------------
30        Mechanical / Electrical Rough          1 wk        MECH/ELEC
-------------------------------------------------------------------------------
31        Complete / Prep Partitions             1 wk        GC
-------------------------------------------------------------------------------
32        HVAC Controls                         2 wks        MECH
-------------------------------------------------------------------------------
33        Install Doors                        2 days        GC
-------------------------------------------------------------------------------
34        Celings / Lighting                   4 days        GC
-------------------------------------------------------------------------------
35        Painting                             3 days        GC
-------------------------------------------------------------------------------
36        Mechanical / Electrical Teimout      3 days        MECH/ELEC
-------------------------------------------------------------------------------
37        Flooring                             2 days        GC
-------------------------------------------------------------------------------
38        Substantial Completion               0 days        IPS
-------------------------------------------------------------------------------
39    COMMISSIONING / QUALIFICATION           60 days
-------------------------------------------------------------------------------
40        Write /Approve --ove Process 1Q/OQ    6 wks        Advanced
-------------------------------------------------------------------------------
41        Write/Approve Facility IQ/OQ          4 wks        IPS
-------------------------------------------------------------------------------
42        HVAC Test and Ba lance               3 days        MECH
-------------------------------------------------------------------------------
43        HAVAC IQ                               1 wk        IPS
-------------------------------------------------------------------------------
44        Punchlist                             2 wks        IPS
-------------------------------------------------------------------------------
45        Install ocess Equipment               2 wks        Advanced
-------------------------------------------------------------------------------
46        Facility OQ                            1 wk        IPS
-------------------------------------------------------------------------------
47        Execute Process IQ                    2 wks
-------------------------------------------------------------------------------
48        Execute Process OQ                    2 wks
-------------------------------------------------------------------------------
49        IQ/OQ Complete                       0 days
-------------------------------------------------------------------------------

                                       24
  1129 Kenilworth Drive. - Exchange Building Suite 405 - Towson. Maryland 21204
           - Phone: 410.296.8590 - Fax: 410.296.8594 - www.ipsdb.com

<PAGE>

                                    DRAWINGS

                                       25
 1122 Kenilworth Drive - Exchange Building, Suite 405 - Towson, Maryland 21204 -
            Phone: 410.296.8590 - Fax: 410.296.8594, www.ips,db.com

<PAGE>

                        (DRAWINGS UNDER SEPARATE COVER)

                                       26
1122 Kenilworth Drive . Exchange Building, Suite 405 - Towson, Maryland 21204 -
            Phone: 410.296.8590 - Fax: 410.296,8594 . www.ipsdb.com

<PAGE>

                              8.0 COMMERCIAL TERMS

                                       27
1122 Kenilworth Drive - Exchange Building, Suite 405 . Towson, Maryland 21204 -
            Phone: 410.296.8590 - Fax: 410.296,8594 - www.ipsdb.com

<PAGE>

8.0   COMMERCIAL TERMS

      Recognizing that moving forward on the project is important to maintaining
      schedule,  IPS proposes that we commence work on the project  immediately,
      and we are ready to start to complete  the detailed  engineering  drawings
      and begin the project delivery phase,

      All work  detailed in this  proposal  shall be provided as a  design/build
      contract  with a  guaranteed  maximum  price of not to exceed one  hundred
      sixty-four thousand,  four hundred and eleven dollars  ($164,411,00),  Our
      work can commence  immediately  upon receiving  written  authorization  to
      proceed and a ten percent down payment. Additional services for Validation
      are detailed in the Appendix of this  proposal and will be  authorized  by
      NHD as a change to this  contract  or into a  separate  time and  material
      based  contract in accordance  with the attached 2003 Rate  Schedule.  Our
      services will be invoiced  monthly based on the percent of completion  and
      are payable upon receipt.  Reimbursable costs have been allocated and will
      be billed at actual cost to the project.  As with every  relationship,  we
      will work "open book" with you. All time records,  invoices,  and receipts
      are made available to you for review.

      This  proposal  is valid for a period of thirty (30) days from the date of
      the proposal, If our services do not commence, or are stopped for a period
      of  thirty  (30)  days  through  no act or fault of IPS,  we may  elect to
      renegotiate  the terms of this  agreement  to  reflect  changes in project
      scope,  schedule and fee  schedules.  Any changes made to this proposal do
      not constitute an agreement. All changes must be approved by both parties.

      If you accept this proposal, please sign one copy and return it to IPS.

      Thank you for the opportunity to assist Advanced  Biotherapy/New  Horizons
      on this  important  project.  Should you have any  questions on the above,
      please don't hesitate to contact me directly at our office at 410-296-8590
      ext 12, or at my cell phone at 443-255-7889.

IPS Proposal No. MDD031044.1

Very Truly Yours,                               Accepted:

INTEGRATED PROJECT SERVICES                     ADVANCED BIOTHERAPY, INC.

-------------------------------------           -------------------------------
William Deckert                                 Signature
Project Executive

                                                -------------------------------
                                                Name (print)

                                                -------------------------------
                                                Title

                                                -------------------------------
                                                Date

                                       28

 1122 Kenilworth Drive - Exchange Building, Suite 405 - Towson, Marviand 21204 -
             Phone: 410.296.8590 - Fax: 410.296.8594 www.ipsdb.com

<PAGE>EXHIBIT 4.1

                        CONSUMERS FINANCIAL CORPORATION

                              EMPLOYMENT AGREEMENT

THIS AGREEMENT ("Agreement") is made effective September 1, 2003, by and between
Consumers Financial Corporation., a Pennsylvania Corporation, ("Employer"), of
132 Spruce Street Cedarhurst N.Y. 11516 and Donald J. Hommel ("Employee") of 8
Woodhull Cove Lane Setuaket N.Y. 11733.

                                    RECITALS

, IN CONSIDERATION of the employment of the Employee by Employer, the
compensation and attendant benefits provided to Employee by Employer during the
duration of employment, the use and employment by Employee of Employer's
facilities and equipment, the ongoing disclosure to Employee of Employer's
confidential and proprietary information, the opportunity for Employee to serve
Employer's clients and customers, and the mutual covenants herein, the parties
hereto mutually agree as follows:

                                   AGREEMENT

1.    Employment. Employee shall be employed by Employer as President and Chief
Executive Officer reporting directly to the Company's Board of Directors.
Employer's responsibilities are expected to generally include but not be limited
to Management and Control of all corporate activities, functions and personnel.

2.    Term. The term of employment of Employee by Employer under this Agreement
shall begin as of the Agreement Date and be for a period of Four (4) calendar
years thereafter, unless terminated pursuant to Paragraphs 11, 12, 13, 14, or 15
of this Agreement Employee hereby accepts employment subject to and in
accordance with the terms of this Agreement and subject to the Agreement's
ratification by the Company's Board of Directors.

3.    Best Efforts of Employee. Employee agrees to perform faithfully,
industriously, and to the best of Employee's ability, experience, and talents,
all of the duties that may be required by the express and implicit terms of this
Agreement, to the reasonable satisfaction of Employer. Such duties shall be
provided at such place(s) as the needs, business, or opportunities of the
Employer may require from time to time.

4.    Performance. During Employee's employment Employee will not engage in any
activity that conflicts with Employer's business interests so as to interfere
with the proper and efficient performance of Employee's duties at Employer.

5.    Compensation. As compensation for the services provided by Employee under
this Agreement, Employer will pay Employee an annual base salary ("Base Salary")
of $225,000 payable in semi-monthly installments on the last working day prior
to the 15th day of the mouth and the last working day of each month, in arrears.
Employee will receive an annual increase of Ten percent (10%) of Base Salary or
Ten percent (10%) of annual salary, whichever is the greater, on each
anniversary date of this Agreement.

6.    Additional Compensation. In addition to the Base Salary, the Employer
shall pay the Employee such additional compensation as may be determined by the
by the Board of Directors or by a compensation committee of the Board of
Directors. Employee will receive an annual bonus, if budgets are met, from One
Hundred percent (100%) of annual salary to a maximum of Two Hundred (200%) of
annual salary based on performance of the Company to meet or exceed the budget
plan. If the budget plan is not met, the bonus may be less than One Hundred
percent (100%) of annual salary, but in no case will the annual bonus be less
than Fifty percent (50%) of annual salary.

<PAGE>

7.    Stock Plan. Employee is hereby granted Three Million (3,000,000) shares of
the Companies Common Stock (Post Split) from the Company at par, Employee may be
granted additional restricted common shares of the Company, by the Company in
the future as approved by the Board of Directors.

8.    Employee Benefit's The Employee shall be entitled at Employer's expense
to participate in any Employee benefits maintained by Employer for Employer's
senior executive level employees including, without limitation, any life,
health, hospitalization, disability, medical and dental insurance programs, as
may be authorized and adopted from time to time by the Employer, with respect to
Employee.

9.    Expenses. Employer will reimburse Employee for all reasonable and
pre-approved travel, entertainment or other business expenses incurred by him in
the performance of Employee's duties hereunder in accordance with the policies
for such reimbursement of senior executives from time to time as established by
Employer. The Employee shall utilize a corporate credit card or be reimbursed
monthly for all such business expenses upon presentation to Employer of an
itemized accounting therefore, together with such receipts or vouchers and other
reasonable verifications as Employer may reasonably require. In the event that
Employer is not able to reimburse Employee promptly, the Company's president
shall permit the accrual of Employee's expenses on the books of the Company and
will notify Employee when initial reimbursement of expenses is expected to begin
after which date all reimbursement will progress on a timely basis. If Employee
is required to travel outside the New York metropolitan area or incur expenses
in excess of $500.00, Employee shall be entitled to receive an advance for these
expenses.

10.   Automobile. Employer will provide Employee for the term of this Agreement
with an automobile selected by the Employee for which the Employer's portion of
the lease payment shall not exceed $750.00 per month. The Company's Board of
Directors shall determine the initial availability of an automobile to the
Employee Employer shall provide deposits, tags, insurance, fuel, and full
maintenance for the automobile. Employee shall have the automobile available at
all times for duties to be performed for Employer under this Agreement. Employer
agrees to, reimburse Employee for any other usual and reasonable automobile
expenses incurred by Employee during the performance of Employee's assigned
duties.

11.   Termination by Non-Renewal. The Employer may terminate this Agreement by
providing written notice to Employee that the Employer will not renew this
Agreement with Employee, provided however, that such notice must be given to
Employee no less than One Hundred Twenty (120) days prior to completion of the
term of this Agreement. If the Employer fails to give such written notice and if
Employer fails to render a new agreement upon expiration of this Agreement, this
Agreement will automatically extend for periods of One (1) year under the same
terms and conditions of this Agreement plus a salary increase of Ten percent
(10%) for each year thereafter. If this agreement is terminated pursuant to
Paragraph 11 of this Agreement, the Termination Date shall be the final day of
the term being served by Employee and no other compensation shall accrue from
that day forward. In the event this Agreement is terminated pursuant to
Paragraph 11, the Employer shall pay Employee's Compensation accrued through the
Termination Date pursuant to Paragraphs 5, 6 & 8 of this Agreement.

<PAGE>

12.   Termination by the over for Cause. The Employer may terminate this
Agreement for Cause by providing written notice to Employee and the Termination
Date shall be the date of such notice to Employee. As used herein, "Cause" shall
include but not be limited to any act by Employee, which in the opinion and sole
discretion of the majority of the Company's Board of Directors, constitutes
negligence, gross misconduct, material dishonesty, fraud or fraudulent
misrepresentation or criminal conduct In the event this Agreement is terminated
pursuant to Paragraph 12 of this Agreement, the Employer shall have no further
liability to Employee other than for Employee's compensation accrued through the
Termination Date pursuant to Paragraphs 5 & 6 of this Agreement. The
compensation paid under Paragraph 12 of this Agreement shall be the Employee's
exclusive remedy. In the event the Employer terminates this Agreement pursuant
to Paragraph 12, the employer shall provide Employee with written notice
specifying in reasonable detail the Employee's acts or conduct that the Employer
has determined constitutes the Employer's right to terminate this Agreement
pursuant to Paragraph 12. Prior to any closure of the termination, Employee
shall be provided, at Employee's request, an immediate opportunity to rebut
termination for cause before the President or Chairman of the Company with a
final finding by the Board of Directors.

13.   Termination by the Employer without Cause. The Employer may terminate this
Agreement without Cause by providing written notice to Employee and the
effective date ("Effective Date") shall be the date of such notice to Employee.
In the event this Agreement is terminated pursuant to Paragraph 13, the Employer
shall pay Employee's compensation accrued through the Effective Date pursuant to
Paragraphs 5 & 6 of this Agreement. The Employer shall have the further
obligation to: a) continue Employee's health care benefits, as provided to
Employee immediately preceding the Effective Date, for the original period of
this Agreement or for a period of Two (2) years after the Effective Date,
whichever is tie greater; and, b) pay Employee severance for the remainder of
the contractual period of this Agreement in equal monthly installments beginning
Thirty (30) days after the Effective Date or for a period of Two (2) years after
the Effective Date, whichever is the greater. The monthly installments of
severance will be equal to the monthly Base Salary paid to Employee immediately
preceding the Effective Date. In the event Employer has the obligation to pay
compensation to Employee pursuant to Paragraph 13, Employee shall have no duty
to seek other employment and the Employer shall have no right to offset any
Compensation paid to Employee pursuant to Paragraph 13 of this Agreement.

14.   Termination by Death. The Employer may terminate this Agreement upon the
death of Employee and the Termination Date shall be the date of Employee's
death. In the event of termination pursuant to Paragraph 14 of this Agreement,
the Employer shall continue to pay Employee's heirs or estate the Compensation
which Employee would otherwise have been entitled to receive, pursuant to
paragraphs 5, 6 & 8 of this Agreement, for a period of Six (6) calendar months
following the Termination Date.

15.   Termination by Disability. The Employer may terminate this Agreement by
providing written notice to Employee if during the term of this Agreement,
Employee shall become incapable of fulfilling Employee's obligations hereunder
because of injury or physical or mental illness (collectively known as
"Disability") which shall exist or may be reasonably anticipated to exist for a
period of Disability, as may be confirmed by Two (2) separate medical opinions,
in excess of Six (6) consecutive months or for an aggregate total of Twelve (12)
months in any Two (2) year period and the Termination Date shall be the date of
such notice to Employee. In the event this Agreement is terminated pursuant to
Paragraph 15 of this Agreement, the Employer shall pay Employee's Compensation
for remainder of the contractual period of this Agreement or for a period of Two
(2) years after the Termination Date, whichever is the greater, including any
period of Disability, pursuant to Paragraphs 5, 6 & 8 of this Agreement.

16.   Additional Compensation at Termination. In the event this Agreement is
terminated pursuant to Paragraph 14 or Paragraph 15 of this Agreement, Employee
shall receive any additional compensation to which Employee or Employee's heirs
may be entitled under any plan or program

<PAGE>

maintained by the Employer prior to the Termination Date, or pursuant to any
other Agreement between Employee and the Employer.

17.   Termination by Employee. Employee may terminate this Agreement in the
event there is: a) a material and unilateral change by the Employer which change
causes a substantial reduction of Employee's function, duties, or
responsibilities; or b) a liquidation, dissolution, consolidation, or merger of
the Employer or transfer of all or substantially all of its assets except for a
merger or consolidation where the Employer shall be the surviving corporation
and the surviving corporation continues to be obligated for all of the
Employer's obligations under this Agreement, then Employee shall have the right,
at Employee's sole discretion, to terminate this Agreement by providing written
notice to the Employer within Sixty (60) days of Employee's knowledge of the
occurrence of "a" or "b" in Paragraph 17 of this Agreement In the event this
Agreement is terminated pursuant to Paragraph 17, the Employer shall pay
Employee's compensation accrued through the Termination Date pursuant to
Paragraphs 5 & 6 of this Agreement The Employer shall have no further
obligations to: a) provide Employee's health care benefits, or b) pay Employee
severance.

18.   Vacation. Employee shall be entitled to Thirty (30) days of paid vacation
for each year of employment beginning on the First Day of Employee's employment.
Employee shall not take more than Twenty (20) consecutive days of vacation
without consent of the Board of Directors. In the event that vacation is not
used by the end of a benefit year, Employee may transfer unused days to the next
benefit year or the Employee may seek compensation for such unused days. On
termination of employment or completion of the term of this Agreement, Employee
shall receive payment for any accrued or unused vacation.

19.   Confidential Information. "Confidential Information" shall mean all vital
information, property or other tangible item or intangible item not generally
known to the public and relating to Employer's business which Employee learns,
and has access to including without limitation all such information, property or
items relating to the products, sales, customers, clients or business of
Employer which also includes without limitation all data, programs, software,
technology, inventions (as defined in Paragraph 22.1a), Copyrights (as defined
in Paragraph 22.1b), customer or contact lists, sources of supply, prospects or
projections, manufacturing techniques, formulas, processes, research,
development or experimental work, work in progress, business plans, marketing
plans and techniques, financial information, and all concepts, ideas, trade
secrets, or other matters relating to Employer's business and not generally
known to the public.

20.   Confidential Information is Property of Employer. Employee recognizes and
acknowledges that during the course of employment, Employee will learn and have
access to Confidential Information, that this Confidential Information
constitutes a valuable, special and unique asset of Employer's business, access
to and knowledge of which are essential to the performance of Employee's duties.
Employee acknowledges and agrees that all confidential information is and shall
remain the exclusive property of Employer.

21.   Agreement to Maintain Confidentiality of Confidential Information.
Employee agrees and acknowledges that Employer's business and future success
depends on the preservation of the trade secrets and other confidential
information of Employer and its suppliers, customers and prospective customers
(the "Confidential Information"). The Confidential Information includes, without
limitation, existing and to be developed or acquired computer software,
procedural and technical manuals and practices, product designs, customer lists,
business information, product and marketing plans, personnel information,
know-how and any other ideas, concepts methods, inventions, procedures or
information that are proprietary to Employer, its affiliates or its actual or
prospective suppliers or customers or that Employer is required to keep
confidential whether developed by or provided to Employee. The Confidential
Information shall not include information that now or hereafter becomes
generally known or available to the public, other than through a violation of
this Agreement, or that Employee can document

<PAGE>

as lawfully having been in its possession prior to receiving such information
from Employer. Employee agrees that, except as expressly directed by Employer or
reasonably within the scope of Employee's duties, the Employee will not at any
time, whether during or after Employee's employment with Employer, use or
disclose to any person for any purpose any Confidential Information, or permit
any person to use, examine and/or make copies of any documents, files, data or
other information sources which contain or are derived from Confidential
Information, whether prepared by the Employee or otherwise coming into the
Employee's possession or control, without the prior written permission of
Employer. Employee agrees to abide by all Employer rules and procedures, as may
be established from time to time, designed to protect its Confidential
Information. A violation of this Paragraph shall be a material violation of this
Agreement and will justify legal and/or equitable relief.

22.   Assignment of Intellectual property Right

22.1  Definitions. As used in this Agreement, the following terms shall have the
following meaning:

      a.    Invention "Invention" shall mean any design, computer program (as
defined in 17 USC ss. 101), computer reconfiguration of any kind, technology,
device, process, patent, product, instruction manual, blueprint, technical
specification, electronic artwork, computer hardware, and circuit diagram
discovered, conceived, developed, written or produced, and whether or not,
reduced to practice, or any modifications or improvements to Them, and shall not
be limited to the definition of an invention contained in the United States
Patent Laws. Employee shall promptly disclose to the Employer all inventions and
keep accurate records relating to the conception and reduction to practice of
all Inventions. Such records shall be the sole and exclusive property of the
Employer, and the Employee shall surrender possession if such records to the
Employer upon any suspension or termination of the Employee's employment with
the Employer.

      b.    Copyright. "Copyright" shall mean any claim to copyright protection
in works of authorship that describe any computational method, apparatus,
software, computer program or algorithm process or procedure, whether they are
in machine readable form, in English or any other programming language. The term
shall not be limited to the requirement of any notice as required in the United
States of America, but shall include that subject matter in its published or
unpublished form under the copyright statutes of the United States, the
Universal Copyright Convention, and the Berne Convention, and or any other
convention to which the United States is a signatory.

22.2  Assignment. Employee shall assign and hereby does irrevocably assign and
convey to Employer all right, title and interest (including without limitation
all copyrights, patents and patent rights, trade secrecy and contract rights and
any other proprietary rights) in and to all Inventions, Copyrights and
Confidential Information, whether copyrightable or patentable or not, and in and
to all other works, works-in-progress, software, documentation, designs,
characters, trademarks, logos, improvements, discoveries, ideas, concepts,
processes, inventions or other properties made, created, conceived, or developed
by Employee, either alone or with others, during the term of and within the
scope of Employee's employment by Employer, provided, the above assignment does
not apply to any Invention for which no equipment, supplies, facilities or trade
secret of the Employer was used and which was developed on the Employee's own
time, - a) the invention relates (i) directly to the business of Employer, or
(ii) to the Employer's actual or demonstrably anticipated research or
development, or b) the invention results from any work performed by the Employee
for the Employer, in which cases the above assignment shall apply. This is a
continuing assignment, which becomes automatically effective immediately upon
the creation of each such invention (each an Assigned Invention").

22.3  Identification of Prior Invention. Employer has attached hereto a list
describing all Inventions belonging to him and made by him prior to his
employment with Employer that he wishes to have excluded from this Agreement. If
no such list is attached, Employee represents that there are no

<PAGE>

such Inventions. If in the course of his employment at Employer, Employee
incorporates into an Employer product, process, or machine, or otherwise uses in
an Employer product, an invention owned by hint or in which he has an interest,
Employer is hereby granted and shall have an exclusive royaltyfree, irrevocable,
worldwide license to make, have made, use, and sell that invention without
restriction as to the extent of Employee's ownership or interest.

22.4  Disclose and Assist. Employee shall promptly disclose all Assigned
Inventions in writing to Employer, shall assist Employer in preparing patent or
copyright applications for Assigned inventions, execute said applications and
all other documents required to obtain patents or copyrights for Assigned
Inventions, and execute all documents Employer deems appropriate to vest title
thereto in Employer, at Employer's expense, but for no additional consideration
or compensation to Employee. In the event Employer requires assistance under
this paragraph after Employee's termination of Employment, Employee shall
provide such assistance with mutually agreed upon compensation.

22.5  Execute Agreement. During the terM of employment or after termination" on
request of Employer" Employee shall execute specific assignments in favor of
Employer of any of the Assigned Inventions covered by this Agreement" as well as
execute all papers and perform all lawful acts that Employer considers necessary
or advisable for the preparation" prosecution" issuance" procurement and
maintenance of patent or copyright applications and patents and copyrights of
the United States and foreign countries for these Assigned Inventions" and for
transfer of any interest Employee may have" and Employee shall execute all
documents Employer deems necessary to vest title in Employer in and to the
Assigned Invention. Notwithstanding the above" the absence of Employer request
for a specific assignment hereunder shall not negate" affect" defeat or limit in
any way Employers title to, and exclusive property interest in the Assigned
Invention under Paragraph 222 above which assignment is a continuing and choate
conveyance specifically enforceable and effective for all purposes.

23.   Right to Possession of Information, Documents and Materials. Employee
agrees that upon request by Employer, and in any event upon termination of
employment Employee shall turn over to Employer all documents, notes, papers,
data files, office supplies or other materials or work product in Employee's
possession or under Employee's control which were created pursuant to, are
connected with or derived from Employee's services to Employer, or which are
related in any manner to Employer's business activities or research and
development efforts, or which constitute or relate to Assigned inventions,
whether or not such material are at the date of this Agreement in Employee's
possession. Employee agrees that all such documents, notes, papers, data, files,
office supplies, materials, work product and Assigned Inventions are the sole
property of Employer

24.   Non-Competition. Employee recognizes and acknowledges that, because of the
confidential and sensitive nature of the Confidential Information and because
the use of, or even the appearance of the use of, the Confidential Information
by Employee in certain circumstances will cause irreparable damage to Employer
and its reputation, Employer would not offer employment to Employee unless
Employer were assured that such misuse would not occur. Employee further
recognizes and acknowledges that because the goodwill of Employer's business is
a valuable asset, and because the solicitation of Employees customers or clients
by Employee, after Employee has ceased to be employed by or associated with
Employer, will cause irreparable harm to the goodwill of Employer, Employer
would not offer or continue to offer such employment to Employee unless Employer
were assured that such solicitation would not occur. Employee therefore agrees
and covenants that during Employee's employment by Employer and for a period of
Two (2) years following the termination of such employment for any reason,
Employee will not directly or indirectly engage in any of the following:

24.1  Anywhere in the United States or worldwide, design, develop, manufacture,
produce, sell or market any product, service, concept or business line on which
Employee worked, learned of, or bad access to during Employee's employment which
is competitive with any aspect the

<PAGE>

business of Employer as presently conducted or as said business may evolve
between the date of this Agreement and the date of Employees termination of
employment.

24.2  Have any direct or indirect business dealings or contacts with any
customer or client of Employer or any person or firm which has been contracted
or identified by Employer as a potential customer or client of Employer as of
the date of Employee's termination of employment, except those dealings or
contacts which demonstrably do not conflict or compete with the business
interests, products or service of Employer.

24.3  Employee agrees that this non-compete provision will not adversely affect
the employee's livelihood

25.   Saving Provision. Employer and Employee agree and stipulate that the
agreements contained in the preceding Paragraph, including the scope of the
restricted activities described therein and the duration and the geographic
extent of such restrictions, are fair and reasonably necessary for the
protection of Employer's Confidential Information, goodwill, and other
protectable interests, in light of all of the facts and circumstances of the
relationship between Employee and Employer. In the event a court of competent
jurisdiction should decline to enforce any provision of Paragraph 24, such
Paragraph shall be deemed to be modified to restrict Employee's competition with
Employer to maximum extent, in both time and geography, which the court shall
find enforceable.

26.   Effect of Termination. Upon termination of this Agreement, for whatever
reason, whether by the Employer or Employee, all rights and obligations pursuant
to: a) Paragraphs 5, 6, and 7 of this Agreement to the extent Employee has not
received Compensation incurred prior to the Termination Date; and, b) Paragraphs
19, 20, 21 - 22 and 25 of this Agreement regarding Employee's obligations of
Nondisclosure, Intellectual Property and Remedy; and, c) any remedial provisions
of this Agreement or miscellaneous provisions related to the interpretation or
enforcement of the above paragraphs, shall survive the termination of this
Agreement. All other rights and obligations of this Agreement shall cease as of
the Termination Date.

27.   Survival of Certain Provisions. Notwithstanding any termination of this
Agreement by reason of the discharge of Employee or his voluntary termination of
employment, the following provisions of this Agreement shall survive and
continue: Paragraphs 19, 20, 21, 22, and 25. This Agreement and all rights
hereunder shall inure to the benefit of the Company, its successors and assigns.

28.   Injunctive Relief. The Employee acknowledges that disclosure of any
Confidential Information or breach or threatened breach of any of the
non-competition and non-disclosure covenants or other agreements contained
herein would give rise to irreparable injury to Employer or clients of Employer,
which injury would be inadequately compensable in money damages alone.
Accordingly, Employer or, where appropriate, a client of Employer, may seek to
obtain injunctive relief from the breach or threatened breach of any provision,
requirement or covenant of this Agreement, in addition to and not in limitation
of any other legal remedies which may be available. The Employee further
acknowledges, agrees and stipulates - in the event of the termination of
employment with the Employer, the Employee's experience and capabilities are
such that the Employee can obtain employment in business activities which are of
a different and non-competing nature with his other activities as an employee of
Employer; and that the enforcement of a remedy hereunder by way of injunction
shall not prevent the Employee from earning a reasonable livelihood, The
Employee further acknowledges and agrees that the covenants contained herein are
necessary for the protection of the Company's legitimate business interests and
are reasonable in scope and content.

29.   Enforcement. The provisions of this Agreement shall be enforceable
notwithstanding the existence of any claim or cause of action against Employer
by Employee, whether predicated on this

<PAGE>

agreement or otherwise. The provisions of this Agreement shall survive the
termination for any reason of Employee's employment by Employer.

30.   Disclosure of Existence of Agreement. In order to preserve the Company's
rights under this Agreement, Employer may advise any third party with whom
Employee may consider, establish or contract a relationship of the existence of
this Agreement and of its terms pursuant only to Paragraphs 19, 20, 21, 22 and
25 of this Agreement and Employer shall have no liability for so doing.

31.   Governing Law. The Agreement shall be construed in accordance with the
internal laws of the State of New York, without giving effect to the principles
and provisions thereof relating to conflict or choice of laws. Employee's
obligations under this Agreement supplement and do not supersede the obligations
imposed on Employee by the laws of the State of New York and the United States
of America, including without limitation obligations imposed upon Employee by
the Washington Uniform Trade Secrets Act and common law. The venue of any action
relating to, or arising from the breach or enforcement of any term of this
Agreement, or the determination of the rights of Employer or Employee hereunder,
shall be the Superior Court of New York.

32.   Legal Expense. In any suit, proceeding or action to enforce any term,
condition or covenant of this Agreement or to procure an adjudication or
determination of the rights of Employer or Employee, the prevailing party shall
be entitled to recover from the other party a reasonable attorney fee and all
costs and expenses incurred in connection with such suit, proceeding or action
including appeal, which sums shall be included in any judgment or decree entered
therein.

33.   Waiver of Breach. The waiver of any breach of any provision of this
Agreement or failure to enforce any provision hereof shall not operate or be
construed as a waiver of any subsequent breach by any party.

34.   Severability. If one or more of the provisions of this Agreement or any
application thereof shall be invalid illegal or unenforceable in any respect,
the validity, legal and enforceability of the remaining provisions or any other
application thereof shall in no way be affected or impaired.

35.   Entire Agreement, Employee acknowledges that he has read this Agreement,
understands it, has had the opportunity to consult with an attorney of
Employee's choosing, and agrees to be bound by its terms. This Agreement
constitutes the entire agreement of the Parties hereto respecting the subject
matter contained herein and supersedes all prior or contemporaneous written or
oral agreements. This Agreement may not be modified or amended except by a
writing signed by all parties hereto.

36.   Binding Effect. This Agreement and each of its provisions shall be binding
      on and endure to the benefit of the Parties and their heirs, personal
      representatives, successors and assigns.

IN WITNESS WHEREOF, the undersigned have hereunto set their hands and seals as
of the date first above written.

EMPLOYEE:                                        CONSUMERS FINANCIAL CORPORATION
/s/ Donald J. Hommel                             /s/
----------------------                           -------------------------------
Donald J. Hommel                                 Director
President / CEO

<PAGE>

                               CONSUMERS FINANCIAL
                                     [LOGO]
                                   Corporation

                                   SCHEDULE A

      1-Item 5- COMPENSATION- Employer agrees to give, and the Employee agrees
to receive stock in lieu of cash in the case where the employer has a cash flow
shortfall or the parties agree to compensate in stock as a preference. In the
instance where the company must compensate the employee in stock in lieu of
cash, the employee shall receive a twenty percent discount to the stock price on
the payment date.

      2-Item 2-TERM- Term of Employment to be Ten (10) years.

      3-Item 13-TERMINATION BY EMPLOYER WITHOUT CAUSE- This section to be
deleted in its entirety.

      4-Item 24-NON-COMPETITION- Add the following at the end of the section:

            Employer recognizes that there is no conflict of interest by
employee with respect to CFC Partners, LTD.

THIS SCHEDULE WILL CHANGES THE ITEMS WITHIN THE DOCUMENT AS NOTED ABOVE AND ARE
PART OF THIS AGREEMENT AND IS BINDING UPON THE EMPLOYER AND THE EMPLOYEE.

/s/ Donald J. Hommel                             /s/
----------------------                          -------------------------------

                            ------------------------
                      132 Spruce St. Cedarhurst, NY 11516
                      516.792.0900 PHONE 516.792.0800 FAX
                              www.conssumersfc.com

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