Document:

Exhibit 10.2

                              CONSULTING AGREEMENT

This Consulting Agreement is made as of January 1, 2003

BETWEEN:

     Arbor  Inc. a company duly incorporated and validly existing under the laws
     of  Nevada  and having an office at 9130 Dadeland Blvd, Suite 1613, maim FL
     33156  ("Arbor":

ON THE FIRST PART, AND:

     Prosper  Financial  Inc.  of  1645  South  Miami  Avenue,  Miami  FL  33129
     ("Prosper"):

ON THE SECOND PART:

WHEREAS:

     A.   Arbor  desires  to  have  the  expertise,  assistance  and services of
          Prosper,  in  connection  with  the  management  and  promoting of the
          Company.
     B.   Prosper  has  agreed to act as a Consultant to provide such expertise,
          assistance  and services upon the terms and conditions hereinafter set
          forth;  and
     C.   Arbor  and  Prosper  now  wish to record their understanding as to the
          consulting  services  to  be  provided  by  Prosper  to  Arbor.

NOW  THEREFORE  THIS  AGREEMENT WITNESSETH THAT in consideration of the premises
and the mutual covenants and agreements hereinafter set forth, the parties agree
with  the  others  as  follows:

          1.   Arbor  hereby agrees to retain and engage the services of Prosper
               as  a  consultant,  and Prosper hereby accepts such engagement on
               the  terms  and  conditions  hereinafter  set  forth.
          2.   The  terms  of the engagement of Prosper by Arbor as a consultant
               will  be  deemed  to have commenced effective January 1, 2003 and
               will  continue pursuant to this agreement for a total of one year
               from  the  date  of  this Agreement, subject to the provisions of
               paragraph  8  herein.
          3.   For  all services rendered by Prosper to Arbor, Arbor will pay to
               Prosper  a  consulting  fee  of  US$  3,000  per  month.
          4.   The  aforesaid  consulting  fee  to  Prosper  will become due and
               payable by Arbor on the tenth business day of each calendar month
               following  the  month  for  which  services  have  been rendered.
          5.   Arbor  will  reimburse  Prosper  for  all reasonable pre-approved
               expenses  incurred  for  management and promoting Arbor, provided
               that  Prosper  submits  a  reasonable  itemized  account  of such
               expenses,  together  with  all

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               applicable  receipts  and description of the particular matter in
               respect  of  which  such  expenses  incurred.  If  any individual
               expense exceeds $600.00 the company shall first approve it before
               being  incurred.
          6.   Without  cause,  Arbor  may  terminate this Agreement at any time
               upon 30 days written notice to Prosper. In such event, Prosper if
               requested to do so by Arbor, will continue to render the services
               to  be  provided  hereunder  and  will  be  paid  its  regular
               compensation up to the date of termination. Prosper may terminate
               this  Agreement  and  its retainer by Arbor upon 30 days' written
               notice  to  Arbor  and,  in  such event, Prosper will continue to
               render the services to be provided hereunder and will be paid its
               regular  compensation  up  to  the effective date of termination.
          7.   Any  notice  required or desired to be given under this Agreement
               will  be deemed sufficiently given and received if in writing and
               delivered  or  sent  by  double registered mail to the address of
               Arbor  and  Prosper  set  forth  above.
          8.   This  Agreement  of  Prosper  as  a  consultant  by Arbor will be
               renewed  for  successive  periods  upon  the  mutual agreement of
               Prosper  and Arbor confirmed in writing at least 15 days prior to
               the  expiry  of  this  Agreement.
          9.   This  Agreement  contains the entire understanding of the parties
               with  respect  to  the  subject  matter  hereof.
          10.  The terms of this Agreement may be terminated prior to expiration
               of  the terms provided in Section 2 hereof in accordance with the
               following  paragraphs.  Any  termination  by  Arbor  shall  be
               communicated  by  Notice  of  Termination  to  the  Consultant. A
               "Notice  of  Termination"  means a written notice which indicates
               the  specific  termination provision, in this Agreement relies up
               (ii) if the termination date is other than the date of receipt of
               such notice, specifies the termination date, which date shall not
               be  more  than  sixty (60) calendar days after the giving of such
               notice.

IN WITNESS WHEREOF the parties hereto have executed and delivered this Agreement
as  of  the  day  and  year  first  above  written.

ARBOR  INC.

                                Signed, Sealed and Delivered in the presence of:

Per:
      ------------------------  -------------------------------------
        Costas  Takkaas                 Witness

Per:
      ------------------------  -------------------------------------
        Maria C. Maz
        Prosper Financial Inc.          Witness

<PAGE>Exhibit 10.3

PRIVATE  AGREEMENT  OF  STOCKHOLDING  TRANSFER

The  parties  to  this agreement, of irrevocable and irreversible character, are
the  following  persons  and  companies:

     1)  ARBOR  INC.
     Incorporated on 25/02/1999, in the State of Nevada, USA.
     Tax-ID  -  55.0835860
     Headquarters and Address; 2642, Collins Avenue, Suite 305,
                               Miami  - Florida - USA - 33140.
     The  Directors  are  Costas  M.  Takkas,  hereby  represented;  and Stephen
     Spoonamoore.

     2)  CPL  Construcoes  e  Comercio  Inc.
     Incorporated on 20/03/1995, in the State of Delaware, USA.
     Tax-ID  -  ---------------
     Headquarters and Address; 1645, South Miami Avenue,
                               Miami - Florida - USA - 33139.
     The  Directors  are Costas M. Takkas, Argemiro Pinesi Junior, Angelo Takkas
     and  Rogerio  Netto  da  Paz,  who jointly with Costas M. Takkas, is hereby
     represented.

     3)  CPLArbor  do  Brasil  Constutora  Ltda.
     Incorporated on 19/02/2003, in the State of Sao Paulo, Brazil.
     CNPJ/MF  Number  05.780.433/0001-20
     Headquarters  and  Address;  Avenida  Conceicao,  321-A,
                                  Bairro  Vila  Rezende,
                                  Piracicaba - SP - CEP 13405-280.

     The sole stockholders: - Rogerio Netto da Paz, holding 99% (ninety nine per
     cent)  of  the capital stock or stockholding and Patricia Naval Petrocelli,
     with  1%  (one  per  cent)  of  the  capital  stock or stockholding, hereby
     represented,  therefore,  as holders of one hundred per cent of the capital
     stock  of  the  company.

     Taking  into  consideration  that  the  company CPLArbor Brasil Construtora
     Ltda.,  with its headquarters in Piracicaba, SP, and in Brazil, was created
     and  founded  as  a  subsidiary  and  associated  company of CPL Comercio e
     Construcoes  Inc., with its headquarters in the State of Delaware, USA, and
     similarly was created and founded as a subsidiary and associated company of
     Arbor  Inc.,  with  its headquarters in the State of Nevada, USA, therefore
     companies with common interests, always looking to extend their markets and
     to  increase  their  competitiveness,  as,  for  example,

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     in  the  construction  of  135  residential houses, in the execution of the
     project  known  as  the "Conjunto Residencial ALTOS DA AGUA BRANCA", in the
     city  of  Piracicaba  -  SP;

     Taking into consideration, that the companies ARBOR INC., CPL Construcoes e
     COMERCIO  INC.  and  the  company  CPLArbor  do  BRASIL  Construtora Ltda.,
     initiated  and  are  promoting  registration  by  the  relevant agencies in
     Brazil,  principally  to  comply  with  the  obligations  required  by  the
     Brazilian  Government federal authorities and the registration requirements
     of  the Banco Central do Brasil S/A, and others, it is agreed that for such
     legalization  and  to comply with the relevant legislation, it is necessary
     for  a  signed  agreement  between the members of the respective companies;

     Consequently,  the  sole  stockholders  of  the  company CPLArbor do Brasil
     Construtora  Ltda.,  Rogerio Netto da Paz and Patricia Naval Petrocelli, by
     this  document  and  according to the law, are presented with the paperwork
     for  the  relevant  stockholding  alteration  and  are  obliged to sign the
     relevant  stockholding alteration document, according to Brazilian laws, so
     that  the  stock  ownership  of  CPLArbor  do  Brasil  Construtora  Ltda.,
     registered  by  CNPJ/MF  number  05.780.433/0001-20,  transfers  to  be
     integrated,  composed  or  consisting  of  only  corporate bodies or of the
     companies  ARBOR  INC.,  of  Nevada - USA and of CPL Construcoes e Comercio
     Inc.,  of Delaware, USA, whose capital will be solely composed by these two
     unique  corporate  bodies, in the proportion of 50% (fifty per cent) of the
     capital  stock  or  respective  stockholding of each one. It belongs to and
     becomes  the  exclusive  ownership  of  the referred to and named corporate
     bodies  or  companies  and cannot be denied by those that are bound by this
     particular  document.  This  applies  until  the  assignment  or definitive
     transfer  is formalized and or the respective alteration in the articles of
     association  of  CPLArbor  do  Brasil Construcoes Ltda occurs. It is agreed
     that  the stockholding of CPLArbor do Brasil Construtora Ltda., passes into
     the  hands and ownership of these companies or of those determined by these
     companies  and  their  owners,  hereby  undersigned.

     Moreover,  Rogerio  Neto  da  Paz  and  Patricia Naval Petrocelli, are also
     obliged  immediately  not to modify or alter the articles of association of
     CPLArbor  do  Brasil  Construcoes Ltda., in order to wholly comply with the
     above  mentioned  obligations  stipulated by Costas M. Takkas and the other
     company  signatories  to  this  document.

     Everything  having been agreed, having read and conformed to this document,
     the  parties are to sign this document in three equal and identical copies,
     for  one  purpose,  promising  to  comply  with  all  its  requirements, by
     themselves,  or  by  their  successors  or  heirs.  It is also to be signed
     jointly  by two witnesses. The Piracicaba judicial district forum is chosen
     to  settle  any  doubts  contained  therein.

     Piracicaba, 24 July 2003.

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     ---------------------------------
     For ARBOR INC. - Costas M. Takkas

     -----------------------------------------
     For CPL Construcoes e Comercio Inc.
     Costas M. Takkas and Rogerio Netto da Paz

     ---------------------------------------------------------
     For CPLArbor do Brasil Construtora Ltda., and personally-
     - Rogerio Netto Das Paz and Patricia Naval Petrocelli -

     WITNESSES

     1)----------------------------

     2)----------------------------

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