Document:

EXHIBIT 10.14

                          CONSULTING SERVICES AGREEMENT

         This Consulting Services Agreement  ("Agreement"),  dated ____________,
2004 is made Steve Careaga ("Consultant"),  and Reality Wireless Networks, Inc.,
a Nevada corporation ("Client").

         WHEREAS,  Steve  Careaga  has  extensive  background  in  the  area  of
management  consulting and performs said services through  Consultant and serves
as a director of the Company;

         WHEREAS,  Consultant  shall perform  certain  services (as  hereinafter
defined)  for  Client  through  Consultant  on  the  terms  and  subject  to the
conditions set forth;

         WHEREAS,  Client is a publicly held  corporation  with its common stock
shares  trading on the Over the Counter  Bulletin  Board under the ticker symbol
"RWLN," and desires to further develop its business and customers; and

         WHEREAS,  Client  desires to engage  Consultant to provide the Services
(defined in Section 1 below) in its area of knowledge and expertise  herein and,
in addition,  to compensate  Consultant for services  performed as a director of
the Company, on the terms and subject to the conditions set forth herein.

NOW,  THEREFORE,  in  consideration  for those services  Consultant  provides to
Client, the parties agree as follows:

1.       SERVICES OF CONSULTANT.

         Consultant  agrees to  perform  for Client  the bona fide  services  to
Client as follows:  running the day to day operations and performing services in
his  capacity  as  director  to  the  Client  (Collectively,   the  "services").
Consultant agrees to perform for Client the Services.

2.       CONSIDERATION.

         Client agrees to pay Consultant,  as his fee and as  consideration  for
services provided, One Million (1,000,000) shares of common stock of the Client,
which shares shall be registered  on Form S-8 with the United States  Securities
and Exchange Commission, and are subject to Section 2(a) of this Agreement.

<PAGE>

Additionally,  Client agrees to pay Consultant,  as  consideration  for services
provided,  Thirteen Million Five Hundred Thousand  (13,500,000) shares of common
stock of the Client ("Additional  Shares") that shall be subject to the Client's
right to call and  repurchase  such  Additional  Shares at par value upon ninety
(90) days following full execution of this Agreement (the "Contingency  Period")
should the Client fail to raise Four Million Dollars  ($4,000,000) of financing,
and are further subject to Section 2(b) of this Agreement.

         (A)      SALES OF SHARES ISSUED PURSUANT TO FORM S-8.

         Consultant  hereby  acknowledges and understands that  affiliates(1) of
the Client who hold  shares  issued  under Form S-8  possess  "control  shares."
Consultant  hereby  acknowledges that Consultant is receiving control shares and
the "control  shares" may be resold only pursuant to: (1) the provisions of Rule
144 of the Securities Act of 1933, (2) a "reoffer prospectus" in compliance with
Form S-8, and/or (3) a valid registration statement.  Finally, Consultant hereby
represents  and warrants  that  Consultant  shall not sell the Shares  expect as
provided in (1), (2) and/or (3) of this Section.

         (B)      TRANSFER RESTRICTIONS.

         All  certificates  representing  such  shares  shall be subject to such
stock  transfer  orders,  legends  and other  restrictions  as  Client  may deem
necessary or advisable.  Consultant hereby agrees not to transfer,  dispose,  or
otherwise assign of any of the Additional Shares during the Contingency Period.

3.       CONFIDENTIALITY.

         Each party agrees that during the course of this Agreement, information
that is  confidential  or of a  proprietary  nature may not be  disclosed to any
other  party,  including,  but not  limited  to,  product  and  business  plans,
software,  technical  processes and formulas,  source  codes,  product  designs,
sales, costs and other unpublished financial information,  advertising revenues,
usage  rates,  advertising  relationships,   projections,   and  marketing  data
("Confidential   Information").   Confidential  Information  shall  not  include
information  that the receiving  party can demonstrate (a) is, as of the time of
its disclosure, or thereafter becomes part of the public domain through a source
other than the receiving  party,  (b) was known to the receiving party as of the
time of its disclosure,  (c) is independently  developed by the receiving party,
or (d) is  subsequently  learned from a third party not under a  confidentiality
obligation to the providing party.

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(1)  "Affiliates"  are persons who possess direct or indirect power to direct or
cause the  direction of the  management  and  policies of the  Company,  whether
through ownership of voting  securities,  by contract,  or otherwise.  Generally
speaking,   officers,  directors  and  5%-10%  shareholders  of  a  company  are
affiliates.

<PAGE>

4.       LATE PAYMENT.

         Client shall pay to Consultant all payments  within thirty (30) days of
the due date.  Failure of Client to finally pay any payment  within  thirty (30)
days after the  applicable  due date  shall be deemed a material  breach of this
Agreement,  justifying suspension of the performance of the Services provided by
Consultant, will be sufficient cause for immediate termination of this Agreement
by Consultant. Any such suspension will in no way relieve Client from payment of
fees,  and, in the event of collection  enforcement,  Client shall be liable for
any costs associated with such collection,  including, but not limited to, legal
costs, attorneys' fees, courts costs, and collection agency fees.

5.       INDEMNIFICATION.

         (A)      CLIENT.

         Client agrees to indemnify,  defend, and shall hold harmless Consultant
and/or his agents,  and to defend any action  brought  against said parties with
respect to any claim,  demand,  cause of action,  debt or  liability,  including
reasonable  attorneys'  fees to the extent  that such  action  arises out of the
negligence or willful misconduct of Client.

         (B)      CONSULTANT.

         Consultant agrees to indemnify, defend, and shall hold harmless Client,
its directors,  employees and agents, and defend any action brought against same
with respect to any claim, demand, cause of action, debt or liability, including
reasonable  attorneys' fees, to the extent that such an action arises out of the
willful misconduct of Consultant.

         (C)      NOTICE.

         In claiming any indemnification  hereunder, the indemnified party shall
promptly provide the indemnifying  party with written notice of any claim, which
the  indemnified  party  believes  falls  within  the  scope  of  the  foregoing
paragraphs.  The indemnified party may, at its expense, assist in the defense if
it so chooses,  provided that the indemnifying party shall control such defense,
and  all  negotiations  relative  to the  settlement  of  any  such  claim.  Any
settlement intended to bind the indemnified party shall not be final without the
indemnified party's written consent, which shall not be unreasonably withheld.

6.       TERMINATION AND RENEWAL.

         (A)      TERM.

         This Agreement shall become effective on the date appearing next to the
signatures  below and terminate one (1) year  thereafter.  This Agreement  shall
automatically  be extended  for one (1)  additional  year unless  terminated  in
writing  by the  Client  at least  thirty  (30)  days  prior to this  Agreements
termination.

<PAGE>

         (B)      TERMINATION.

         Either party may terminate  this Agreement on thirty (30) calendar days
written notice, or if prior to such action, the other party materially  breaches
any of its  representations,  warranties or  obligations  under this  Agreement.
Except as may be  otherwise  provided in this  Agreement,  such breach by either
party  will  result  in the other  party  being  responsible  to  reimburse  the
non-defaulting  party for all costs incurred  directly as a result of the breach
of this Agreement, and shall be subject to such damages as may be allowed by law
including all attorneys' fees and costs of enforcing this Agreement.

         (C)      TERMINATION AND PAYMENT.

         Upon any termination or expiration of this Agreement,  Client shall pay
all unpaid and  outstanding  fees through the effective  date of  termination or
expiration  of this  Agreement.  And upon  such  termination,  Consultant  shall
provide and deliver to Client any and all  outstanding  services due through the
effective date of this Agreement.

7.       MISCELLANEOUS.

         (A)      INDEPENDENT CONTRACTOR.

         This Agreement  establishes an  "independent  contractor"  relationship
between Consultant and Client.

         (B)      RIGHTS CUMULATIVE; WAIVERS.

         The rights of each of the parties under this Agreement are  cumulative.
The rights of each of the parties hereunder shall not be capable of being waived
or varied other than by an express  waiver or variation in writing.  Any failure
to exercise or any delay in exercising any of such rights shall not operate as a
waiver or  variation of that or any other such right.  Any  defective or partial
exercise of any of such rights shall not preclude any other or further  exercise
of that or any other such right.  No act or course of conduct or  negotiation on
the part of any party shall in any way preclude such party from  exercising  any
such right or constitute a suspension or any variation of any such right.

         (C)      BENEFIT; SUCCESSORS BOUND.

         This  Agreement  and  the  terms,  covenants,  conditions,  provisions,
obligations,  undertakings,  rights, and benefits hereof, shall be binding upon,
and shall  inure to the  benefit of, the  undersigned  parties and their  heirs,
executors, administrators, representatives, successors, and permitted assigns.

         (D)      ENTIRE AGREEMENT.

         This Agreement  contains the entire agreement  between the parties with
respect  to the  subject  matter  hereof.  There  are no  promises,  agreements,
conditions,    undertakings,    understandings,    warranties,    covenants   or
representations,  oral or written, express or implied, between them with respect
to this  Agreement  or the matters  described in this  Agreement,  except as set
forth in this Agreement.  Any such  negotiations,  promises,  or  understandings
shall not be used to interpret or constitute this Agreement.

<PAGE>

         (E)      ASSIGNMENT.

         Neither this Agreement nor any other benefit to accrue  hereunder shall
be assigned or transferred by either party,  either in whole or in part, without
the  written  consent  of the  other  party,  and any  purported  assignment  in
violation hereof shall be void.

         (F)      AMENDMENT.

         This Agreement may be amended only by an instrument in writing executed
by all the parties hereto.

         (G)      SEVERABILITY.

         Each part of this  Agreement is intended to be severable.  In the event
that any provision of this Agreement is found by any court or other authority of
competent  jurisdiction to be illegal or unenforceable,  such provision shall be
severed or modified to the extent  necessary to render it enforceable  and as so
severed or modified, this Agreement shall continue in full force and effect.

         (H)      SECTION HEADINGS.

         The Section headings in this Agreement are for reference  purposes only
and shall not affect in any way the meaning or interpretation of this Agreement.

         (I)      CONSTRUCTION.

         Unless the context otherwise  requires,  when used herein, the singular
shall be deemed to include  the  plural,  the plural  shall be deemed to include
each of the  singular,  and  pronouns  of one or no  gender  shall be  deemed to
include the equivalent pronoun of the other or no gender.

         (J)      FURTHER ASSURANCES.

         In addition to the instruments  and documents to be made,  executed and
delivered pursuant to this Agreement,  the parties hereto agree to make, execute
and deliver or cause to be made, executed and delivered, to the requesting party
such other  instruments  and to take such other actions as the requesting  party
may  reasonably  require  to  carry  out the  terms  of this  Agreement  and the
transactions contemplated hereby.

         (K)      NOTICES.

         Any notice which is required or desired under this  Agreement  shall be
given in writing  and may be sent by  personal  delivery  or by mail  (either a.
United States mail, postage prepaid,  or b. Federal Express or similar generally

<PAGE>

recognized  overnight  carrier),  addressed as follows  (subject to the right to
designate a different address by notice similarly given):

If to Client:                       Reality Wireless Networks, Inc.
                                    Attn: Steve Careaga
                                    7235 No. Creek Loop
                                    Gig Harbor, WA 98335

With a copy to:                     David M. Otto
                                    The Otto Law Group, PLLC
                                    900 4th Ave., Suite 3140
                                    Seattle, Washington 98164

If to Consultant:                   East Bay Consulting, LLC
                                    Attn: Steve Careaga
                                    4906 Point Fosdick Drive, Suite 102
                                    Gig Harbor, WA 98335

         (L)      GOVERNING LAW.

         This Agreement  shall be governed by the interpreted in accordance with
the laws of the State of Washington  without  reference to its conflicts of laws
rules or principles.  Each of the parties consents to the exclusive jurisdiction
of the federal courts of the State of Washington in connection  with any dispute
arising under this Agreement and hereby waives,  to the maximum extent permitted
by law, any objection,  including any objection based on forum non coveniens, to
the bringing of any such proceeding in such jurisdictions.

         (M)      CONSENTS.

         The  person  signing  this  Agreement  on behalf of each  party  hereby
represents and warrants that he has the necessary  power,  consent and authority
to execute and deliver this Agreement on behalf of such party.

         (N)      SURVIVAL OF PROVISIONS.

         The provisions contained in paragraphs 3, 5, 6, and 7 of this Agreement
shall survive the termination of this Agreement.

         (O)      EXECUTION IN COUNTERPARTS.

         This Agreement may be executed in any number of  counterparts,  each of
which shall be deemed an original and all of which together shall constitute one
and the same agreement.

<PAGE>

                 [SIGNATURE BLOCKS APPEAR ON THE FOLLOWING PAGE]

         IN WITNESS  WHEREOF,  the  parties  have caused  this  Agreement  to be
executed  and have agreed to and  accepted  the terms herein on the date written
above.

                                             CLIENT:

                                             REALITY WIRELESS NETWORKS, INC.

                                             By:
                                                 ---------------------------
                                             Name: Steve Careaga
                                             Its: CEO

                                             CONSULTANT:

                                             STEVE CAREAGA

                                             By:
                                                 ---------------------------
                                             Name: Steve CareagaADDENDUM TO CONVERTIBLE DEBENTURE AND
                        WARRANT TO PURCHASE COMMON STOCK

This  Addendum to  Convertible  Debenture  and Warrant to Purchase  Common Stock
("Addendum")  is entered into as of the ____ day of November 2004 by and between
Direct Response Financial Services, Inc., a Colorado corporation ("Direct"), and
La Jolla Cove Investors, Inc., a California corporation ("LJCI").

WHEREAS,  Direct and LJCI are parties to that certain 8%  Convertible  Debenture
dated as of January 9, 2003 ("Debenture"); and

WHEREAS,  Direct and LJCI are parties to that certain Warrant to Purchase Common
Stock dated as of January 9, 2003 ("Warrant"); and

WHEREAS,  the  parties  desire to amend the  Debenture  and  Warrant  in certain
respects.

NOW, THEREFORE,  in consideration of the mutual promises and covenants contained
herein,  and  for  other  good  and  valuable  consideration,  the  receipt  and
sufficiency of which are hereby acknowledged, Direct and LJCI agree as follows:

1.    All terms used  herein and not  otherwise  defined  herein  shall have the
      definitions set forth in the Debenture.

2.    Direct  shall  immediately  commence  the  process to file a  Registration
      Statement  containing at least 50,000,000 Common Shares on behalf of LJCI.
      If, at  anytime  after the date  hereof,  Direct  stops the  filing of the
      Registration  Statement,  Direct  shall be liable to LJCI for  $75,000  in
      liquidated damages.

3.    Direct shall immediately  deliver 464,134 Direct Common Shares to LJCI for
      the  Debenture  conversion  and  Warrant  exercise  submitted  by  LJCI on
      September 14, 2004.

4.    Direct shall  immediately  deliver  10,000 Direct Common Shares to LJCI to
      make up the  shortfall in the delivery of Common  Shares for the Debenture
      conversion and Warrant exercise submitted by LJCI on August 10, 2004.

5.    LJCI shall  advance  $50,000  (less the amount of interest  owed by Direct
      under the Debenture) to Direct upon receiving  notice that the SEC will be
      conducting a limited review of the Registration  Statement  referred to in
      section 1 above. LJCI shall advance an additional  $100,000 to Direct upon
      receiving notice that the Registration  Statement referred to in section 1
      above has been declared effective by the SEC and the underlying shares are
      freely  tradable.  Such funds  shall  represent a  prepayment  towards the
      exercise of Warrant Shares under the Warrant, the timing of which shall be
      at LJCI's sole  discretion.  Direct shall not be able to prevent LJCI from
      converting  the Debenture  and shall not be able to prepay the  Debenture,
      regardless  of the price of the Stock,  in  connection  with the Debenture
      conversions  associated with such Warrant prepayments.  LJCI shall account
      for no more than 18% of the daily  volume in  Direct's  common  stock with
      sales of the Common  Shares  received  from using such Warrant  prepayment
      credits.
<PAGE>

6.    Direct shall  immediately  deliver  20,000,000  Direct  restricted  Common
      Shares,  registered in the name of LJCI, to Alan L. Atlas, Esq., who shall
      hold the shares in trust as a joint escrow agent for Direct and LJCI. Such
      shares may only be  released  by Alan L.  Atlas,  Esq.  pursuant  to valid
      Debenture  conversion and Warrant exercise  notices  submitted by LJCI per
      the terms of section 6(a) below.  Such  restricted  Common Shares shall be
      included in the Registration  Statement referred to in section 2 above. As
      to the terms of this section 6, Alan L. Atlas, Esq. shall act hereunder in
      accordance  with his  duties and  obligations  as an  individual  attorney
      licensed in the State of  California,  and not in his  capacity as general
      counsel to LJCI.

      a.    When LJCI  desires  to submit a  Debenture  conversion  and  Warrant
            exercise  notice,  it  shall do so as  follows.  LJCI  shall  submit
            conversion  and  exercise  documents  in writing,  via  facsimile to
            Direct. Upon Direct receiving the conversion and exercise documents,
            Direct   shall,   within  24  hours,   either:   (1)  order  up  the
            corresponding  stock  certificate from Direct's stock transfer agent
            for delivery to LJCI, or (2) notify LJCI's counsel,  in writing,  of
            Direct's  election to have the converted  shares be  distributed  to
            LJCI out of the shares held in trust by LJCI's  counsel  pursuant to
            section 6 above.

7.    Direct,  or its nominee,  shall have the option to  repurchase  any Common
      Shares to be issued for future Debenture conversions and Warrant exercises
      under the following procedure.  Direct shall fax notice to LJCI indicating
      the  number  of  Direct  Common  Shares  to be  purchased,  with  delivery
      instructions  for the purchaser if the  transaction  is to be done off the
      market.  Within one  business day of  receiving  such  notice,  LJCI shall
      submit a Debenture conversion and Warrant exercise to obtain at least that
      number of Common  Shares that Direct or its nominee  desires to  purchase.
      LJCI shall not sell the number of Common Shares that Direct or its nominee
      desires to purchase for a period of two business days following submission
      of the Debenture  conversion and Warrant exercise,  during which time LJCI
      must receive the purchase  price for the Common Shares in good funds.  The
      purchase  price for the Common  Shares  shall be 92% of the average of the
      volume  weighted  average  price of  Direct's  Common  Shares  on the five
      Trading Days prior to date that LJCI receives the notice from Direct.

8.    Except as specifically  amended herein,  all other terms and conditions of
      the Debenture and Warrant shall remain in full force and effect.

IN WINESS WHEREOF, Direct and LJCI have caused this Addendum to be signed by its
duly authorized officers on the date first set forth above.

Direct Response Financial Services, Inc.       La Jolla Cove Investors, Inc.

By: __________________________                 By: __________________________

Name: ________________________                 Name: ________________________

Title: _______________________                 Title: _______________________

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