Document:

ONECAP

                    A Nevada Corporation

                        Exhibit 10 c.

 Mortgage Broker Agreement with Fleet Mortgage Corporation,
                   Signed October 1. 1999

FLEET MORTGAGE                    MORTGAGE BROKER AGREEMENT

THIS  MORTGAGE B14OKER AGREEMENT ("Agreement") is  made  and
entered  into  this 1 day of OCTOBER 199 9, by  and  between
Fleet  Mortgage  Corp,  (hereinafter  called  "Lender")  and
OneCap  (hereinafter  called  "Broker")  (collectively,  the
"parties").  In  consideration of the  mutual  promises  and
covenants  contained herein, Broker and Lender hereby  agree
as follows:

     1.    Subject  to  the  terms  hereof.  Lander   hereby
authorizes  Broker  to take mortgage applications  based  on
Lender  program and pricing information. Broker  understands
that  Lender  intends to sell closed loans to  Institutional
investors,   including   the   Federal   National   Mortgage
Association  ("FNMA')  and the Federal  Home  Loan  Mortgage
Association ("FHLMC"), and Broker agrees to deliver mortgage
applications  to  Lender  that  are  taken  by   Broker   in
accordance  with  pertinent FNMA and FHLMC requirements  and
warranties,   as  well  as  Lender's  mortgage   application
specifications.  From  time to time,  Lender  may  prescribe
procedures   for  the  submission  to  Lender  of   mortgage
applications taken by Broker. which procedures  may  include
the  manner for Lender's establishment of the interest ratio
arid/or discount points for mortgage loans.

     2.    Broker  agrees  to  deliver  to  Lender  mortgage
applications that are taken by Broker in accordance with all
applicable  federal,  state  and local  legal  requirements.
Particularly,  Broker covenants that it  shall:  (a)  comply
with  the  Equal  Credit Opportunity Act  ("ECOA")  and  its
Regulation  B.  and with this Fair Housing Art,  In  Brokers
pre-   and   post-qualification  communications   with   the
applicants.  Where Broker makes an adverse  credit  decision
with  respect  to any applicant prior or after completing  a
mortgage  application. Broker will timely  deliver  to  such
applicant  a  properly completed adverse  action  notice  as
required by ECOA and Regulation B; (b) comply with the  Home
Mortgage Disclosure Act ("HMDA") and its Regulation C,  with
respect  to  accurately completing the Government Monitoring
Information sought on a Mortgage Application: and (c) comply
with the Real Estate Settlement Procedures Act ("RESPA") and
its   Regulation  X,  with  respect  to  the  Mortgage  Loan
application and settlement process. Including: (1) providing
any  applicant  with  a  completed Good  Faith  Estimate  of
Closing  Costs  ("GFE") in form sufficient  to  comply  with
Regulation  X, and which sets forth specifically  a  "Broker
Fee  to [Broker]" an a line of the GFE which indicates  that
it  corresponds  with  one of Lines  808-811  of  the  HUD-I
Settlement  Statement. the amount of the Broker fee  payable
to  the applicant/borrower to Broker: and (2) providing  any
applicant  with  any Affiliated Business  Arrangement  (ABA)
notices,. as required by Regulation X.

     3.   Upon  receipt of a completed mortgage application,
Lender  shall  underwrite  such  mortgage  application   and
approve/deny such mortgage applications submitted by  Broker
on  the  basis  of  Lender's underwriting criteria  and  the
program guidelines of the applicable investors and insurers.
Nothing  herein constitutes any representation or commitment
Lender  that  it  will extend credit to any  applicant,  and
Lender's  determination  as  the  credit-worthiness  of  any
applicant is final and conclusive as to the parties  hereto.
Loans shall be closed in the name of Lender and, subject  to
Broker's  right  the Broker Fee as set forth herein,  Broker
agrees  to  assign to Lender, at the time of  submission  of
mortgage  application  to  Lender,  all  right,  title   and
interest  in  and  to the mortgage application  and  related
file.

     4.   Broker shall maintain at all times during the term
of  this Agreement at its own expense such insurance  as  is
required  by  applicable  legal requirements,  and  that  Is
otherwise appropriate given the nature of Broker's business,
including:  (i)  hazard  and liability  insurance;  (ii)  an
errors and omissions policy or policies, and (iii) a blanket
fidelity bond.

     5.   Broker  shall  be entitled to negotiate  with  and
receive  from the loan applicant(s), payable at the time  of
closing, of a mortgage loan, a reasonable broker fee for its
services,    including   taking   this   loan   application,
counseling,  documentation  ordering  and  loan   processing
services  up  to but not exceeding an amount equal  to  four
percent  (4%)  of  the mortgage low amount.  or  such  other
amount as Lender shall prescribe In its program issuances to
Broker (which amount includes all less payable to the broker
by  borrower except fees payable to third-parties), provided
that  such broker fee does not exceed the fee, or  range  of
fees,  that  is  typical  for the type  and  amount  of  the
mortgage  loan applied for in Broker's market  area.  Broker
shall  disclose the fee which it charges to any applicant(s)
on  the  GFE  as  required  in  paragraph  2  above  and  in
accordance  with  all applicable legal requirements.  Lender
will  cause  Broker's fee to be so disclosed  on  the  HUD-I
Settlement  Statement, and to be collected  at  closing  and
remitted  to  Broker.  Payment of  third-party  charges  for
credit reports, appraisals or similar out-of-pocket expenses
will be the responsibility of Broker, Certain services, such
as  appraisals,  must  be  with a  supplier  that  has  been
approved  by  Lender. Broker will use its  best  efforts  to
collect  such items directly from mortgagors if so  directed
by Lender and if permitted by applicable legal requirements.

     6.   As  an  inducement to Lender to  enter  into  this
Agreement and to consummate the making of each mortgage loan
from  mortgage  applications  submitted  by  Broker.  Broker
represents and warrants to Lender as follows, as of  the  of
execution  hereof and the date of each mortgage  application
which is delivered by Broker to Lender for approval: 8/26/98

     (a)  If a corporation. Broker, a corporation, and if  a
partnership.  Broker  is  a  partnership,  duly   organized,
validly existing and in good standing under the laws of  its
state  of incorporation. Broker is properly licensed, or  is
exempt,   and   qualified  to  transact  business   in   all
jurisdictions  where  it originates mortgage  loans  and  to
conduct  all  activities  contemplated  by  this  Agreement.
Specifically,  Broker maintains a Lender's  and/or  Broker's
license to originates first lien residential mortgage  loans
as may be required by applicable legal requirements.

     (b)   Broker   has   all  requisite  corporate   power,
authority and capacity to enter into this Agreement  and  to
perform it obligations hereunder. The execution and delivery
of this Agreement and any related agreements and instruments
and the consummation of the transactions contemplated hereby
and  thereby, each have been duly and validly authorized  by
all necessary corporate action.

     (c)  No  representation, warranty or written  statement
made  by or on behalf at Broker in this Agreement or in  any
written or verbal communication made to Lender In connection
with  the  transactions contemplated  hereby,  contains,  or
which  contain, any untrue statement of a material  fact  or
omits,  or  will omit to state a material fact necessary  to
make   the  statements  contained  herein  or  therein   not
misleading.

     (6)  Each  mortgage application has been  submitted  in
compliance  with  the requirements of this Agreement  and  a
applicable  legal requirements. Broker has no  knowledge  of
any circumstances or conditions with respect to any mortgage
application  or  the  related  mortgaged  property  or  loan
applicant which Broker reasonably believes could be expected
to  cause any investor- to regard such mortgage! loan as  an
unacceptable investment, cause the mortgage loan  to  become
delinquent or adversely affect the value or marketability of
such  mortgage loan. Broker has committed no act or omission
that will impair or invalidate Lender's interest in. or  the
enforceability  of, any mortgage loan. All  information  and
documentation submitted by or an behalf of a loan  applicant
to Broker and by Broker to Lander pursuant to this Agreement
are genuine, and the information contained in such documents
is  true,  accurate  and complete to the  best  of  Broker's
knowledge.

     (a)  Each  mortgage application includes  each  of  the
documents  and  Instruments specified by Lender  and/or  the
applicable agency or investor to be included therewith, each
of   which  document  and  instrument,  and  all  signatures
contained thereon are, genuine and enforceable in accordance
with its terms.

     7.  Broker  shall promptly notify Lender:  (i)  in  the
event  of any substantial change in the financial condition,
ownership or management of Broker; (ii) if Broker  knows  or
has  reason to believe that any information in any  mortgage
application or other document delivered to Lender is untrue;
and  (iii) In the event any governmental or other agency has
made  any  adverse finding or taken any adverse action  with
respect  to  the  Broker  or  Its  officers,  directors   or
employees.

     8.    Broker  shall  execute  and  deliver   all   such
Instruments  and  take  all  such  action  as   Lender   may
reasonably  request from time to time in order to effectuate
the  purposes and to carry out the terms of this  Agreement.
For  loans on which Lender has paid a premium, price  within
six (6) months of Broker seeking lo refinance such loan with
Lender,  any  such refinance is eligible  only  for  par  or
discount  pricing. Lender reserves the right,  in  its  sole
discretion,  to  amend this time frame  in  accordance  with
market conditions or company policy.

     9.  In  addition to any other remedies that the parties
hereto  may  have  at law or equity. Broker shall  indemnify
Lender  and hold Lender harmless against any and all claims,
losses,  liabilities, costs, expenses,  damages,  penalties,
fine  and forfeitures of any kind, including but not limited
to  reasonable  attorneys' fees,  resulting  from:  (a)  the
breach by Broker of any representation, warranty or covenant
of  this  Agreement; or (b) the failure of Broker to  comply
with applicable legal requirements or Lender's requirements.
In  the  event that Broker falls to pay Lender any sums  due
hereunder. or which are owed to the Lender pursuant to  this
section  Lender shall be permitted to offset such sums  from
any  amounts which are due or become due to Broker  pursuant
to the terms of this Agreement.

     10.  This  Agreement shall continue  in  existence  and
effect  until  terminated  as  provided  for  herein.   This
Agreement may be terminated with respect to future  mortgage
applications  submitted by Broker to Lender by either  party
at  any time by giving thirty (30) days prior written notice
of  termination  to the other party. Such termination  shall
not  in  any respect change, alter, modify or terminate  the
obligations of any party, including the representations  and
warranties  of Broker with respect to mortgage  loans  which
have been submitted by Broker to Lender prior to the date of
such   termination.   The  Agreement   may   be   terminated
immediately  by  either  party  upon  written  notice  of  a
material breach of the other party's obligations hereunder.

     11.  Any  notice or demand which is given  pursuant  to
this  Agreement  shall be deemed to have  been  sufficiently
given  if  in writing and delivered personally  or  sent  by
registered  or  certified mail (return  receipt  requested).
postage   prepaid,  or  sent  by  facsimile  (and  confirmed
promptly  by  telephone) with a hard copy sent by  overnight
courier service, or sent by overnight delivery.

     12.  This  Agreement constitutes the  entire  agreement
between the parties with respect to the relationship  hereby
established  and  shall  supersede  and  cancel  all   prior
agreements,  offers and negotiations whether in  writing  or
otherwise.  This Agreement may be amended and any  provision
hereof  waived,  but  only in writing signed  by  the  party
against  whom  such  amendment or waiver  is  sought  to  be
enforced.

     13. The right of Broker to assign this Agreement or any
of  its duties, obligation or rights hereunder requires  the
prior  written consent of Lender. This Agreement shall inure
to the benefit of and be binding upon the parties hereto and
their  successors  and permitted assigns.  Nothing  in  this
Agreement, express or implied, is intended to confer on  any
person  other  than the parties hereto and their  successors
and permitted assigns, any rights, obligations, remedies  or
liabilities.

     14.    Any    part,   provision,   clause,    sentence,
representation  or  warranty  of  this  Agreement  which  is
prohibited  or  which  Is held to be void  or  unenforceable
shall  be  ineffective to the extent of such prohibition  or
unenforceability   without   invalidating   the    remaining
provisions hereof.

     15.  Nothing  herein  contained  shall  be  deemed   or
construed  to create a partnership, agency or joint  venture
between the parties hereto. The services of Broker shall  be
rendered  as an independent contractor and not as agent  for
Lender,  and  Broker shall not represent to any applicant(s)
that  it  is an agent for Lender. This Agreement  creates  a
nonexclusive relationship between the parties.

     16.  If  either party institutes litigation under  this
Agreement  against  the other party,  the  prevailing  party
shall  be  entitled  to  be  reimbursed  by  the  other  for
reasonable attorneys' fees and costs paid or incurred by the
prevailing party in connection therewith.

     17.  This  Agreement shall be governed by and construed
in  all respects in accordance with the laws of the state of
Lender's  branch  or sales office where this  Agreement  was
accepted.

     IN  WITNESS  WHEREOF, the parties  hereto  have  caused
this  Agreement to be duly executed as of the day  and  year
first above written.

Lender:                           Broker:

FLEET MORTGAGE                     /s/ One Cap

BY: /s/                           BY: /s/

ITS:                              ITS: Vice PresidentGREENPOINT MORTGAGE FUNDING, INC.
                        BROKER AGREEMENT

This  Broker Agreement (the 'Agreement"), is entered into by  and
between _______/s/_OneCap___, a     /s/Nevada_ Corporation  doing
business  as     /s/  OneCap  ("Broker"), end GREENPOINT MORTGAGE
FUNDING, INC. a New York Corporation ("Lender").

                               RECITALS

     A.  The  Parties  hereto wish to establish  a  non-exclusive
 relationship whereby Broker will submit applications  for  loans
 to  be  secured  by first or second priority liens  against  1-4
 family  residential properties (the 'Loans") in Lender on behalf
 or  Broker's  clients  ("Borrowers") for,  possible  funding  by
 Lender.

     B.  The  Parties desire to enter into this Broker  Agreement
     to set forth the terms of their relationship.

NOW THEREFORE, the Parties do hereby agree as follows:

                               AGREEMENT

 1.    NON-EXCLUSIVE  AGREEMENT: Nothing contained  herein  shall
   obligate  Broker to submit all loan funding requests  that  it
   brokers  to Lender, it being understood that this shall  be  a
   non-exclusive agreement. Nothing contained herein shall obligate
   Lender to fund Loans submitted by Broker without Lender's prior
   review  and  approval  at Lender's sole discretion.   Lender's
   obtaining of a Loan Package (as defined below) from Broker does
   n:
      a.   prohibit Lender from considering loan Application packages
        from other sources,
b.   obligate Lender to accept or consider other or future
packages from Broker,
c.   establish an agency relationship with Broker.
 2.     GENERAL  BROKER  RESPONSIBILITY:  With  regard  to  Loans
   submitted  by  Broker  to Lender, Broker  shall  describe  and
   represent to a Borrower Lender's policies, procedures and pricing
   only as set forth by Lender, Broker shall not advertise or  in
   tiny  manner  represent that it is employed by, an  agent  of,
   representative of, or is in any way related to Lender.  Broker
   shall  be  responsible  at Its own expense  for  the  accurate
   preparation and execution of a complete property and credit Loan
   Application  Package  ("Loan Package") on  each  Loan  request
   submitted, under such programs, procedures, and fee schedules as
   Lender periodically may establish, including but not limited to
   those  items listed below or as may be required by  Lender  in
   conformance with Lender's policies and procedures as established
   and as may be modified from time to time:
      a.   Loan application
b.   Supporting credit information
c.   Supporting verification of credit, employment, deposits, and
mortgage payment history
d.   Copies or all government required disclosures
e.   Original appraisal of the property to be financed plus all
supporting information necessary to substantiate Borrower's
qualification for the Loan
f.   Such other credit, financial, and other information as
Lender may require.
Broker   shall   be   solely  responsible  for  any   statements,
explanations, or claims made to Borrower about the terms  of  the
Loan, the approval process, or the status of the Borrower's  loan
approval.  The contents of all Loan Packages submitted to  Lender
immediately shell become the property of Lender and Broker hereby
assigns  all rights, title, and interest in the file (except  for
Broker's  right  to receive an origination fee)  to  Lender.  All
information  contained  in  a Loan  Package  may  be  subject  to
Lender's  independent verification. Broker understands  that,  in
consideration  of Lender funding Loans offered by Broker,  Lender
relies on Broker's full cooperation, before and after the funding
of  any  Loan. Broker Agrees to fully assist Lender in  obtaining
any  information and documentation Lender deems necessary and  to
otherwise cooperate fully with Lender to fulfill the purposes  of
this Agreement.
 3.   LOAN APPROVAL:  Loan approval shall be within Lender's sole
   discretion. Broker shall not commit Lender to do anything or take
   action  without the prior written approval of Lender.  Without
   limiting  the  generality of the foregoing. Broker  shall  not
   represent that Lender has approved or will approve any loan until
   Broker is so informed by Lender In writing. All loan approvals
   are  conditional  unless and until Borrower actually  executes
   escrow  instructions presented to Borrower in order  to  close
   escrow.  It is also fully understood and agreed that  Lender's
   approval  of the loan application is based upon submission  by
   Broker of true and accurate information in the Loan Package and
   all supporting documentation, including but not limited to the
   handwritten and typed Form 1003 and any and all appraisals. The
   fact that final approval of the loan application is solely within
   the discretion of the Lender shall not be used as a defense to a
   claim that Broker has breached any part of this Agreement or that
   Broker has submitted false or inaccurate information in the Loan
   Package and supporting documentation, including but not limited
   to the Form 1003, and any and all appraisals.
4.   UNDERWRITING OF LOANS: Lender shall have the right, but not
the obligation, to underwrite any Loan submitted for funding
pursuant to this Agreement. However, the exercise of this right
by Lender shall not affect in any way Broker's obligations
hereunder, including, without limitation. Broker's repurchase
obligations under Section 15 hereof and Broker's indemnification
obligations under Section 13 hereof. Broker understands that
Lender routinely conducts quality control audits to re-verify
income/deposit information, credit documentation, and appraisals
submitted by Broker, Broker understands employment Is verbally
verified on all loan programs offered by Lender. Broker
understands that any discrepancies found by Lender during quality
control And verbal audits are grounds for immediate cancellation
of this Agreement and possible notification to applicable state
and governmental agencies, and are a breach of Section 11 below.
5.   CLOSING OF LOANS:  All Loans shall close in Lender's name or
in the name of an affiliate of Lender.
6.   NOTIFICATION OF ACTION: Lender shall notify Broker by
telephone or facsimile transmission of the conditional approval
or rejection or each completed Loan Package.  For cash Loan
conditionally approved by Lender, Lender shall fund the Loan
provided that all conditions precedent are satisfied and all
documentation as required by Lender is timely executed,
acknowledged, and returned to Lender.
7.   AMOUNTS DUE TO BROKER:
     a.   Subject to Sections 7b, 7c, and 7d below, nothing shall be
       owed to Broker by Lender an account of any proposed Loan which is
       not closed and funded by Lender. Upon closing of any Loan with
       respect to which Broker has submitted a Loan Package to Lender,
       Lender shall remit to Broker an amount equal to the difference
       between the points charged to the Borrowers and the wholesale
       points which Lender indicates it will keep us stated in the Loan
       Program Statement provided to Broker, except In the case or zero
       point loans (i.e. with respect to which the Borrower pays no
       points) in which case Lender shall remit to Broker the points
       specified in the Loan Program Statement provided to Broker;
       provided, however, that in any case, Lender shall deduct from
       amounts to be remitted to Broker those fees and charges due to
       Lender.  Lender  shall  also remit to  Broker  such  other
       consideration as may be agreed from time to time between Broker
       and Lender pursuant to a separate agreement.
b.   In the event Lender receives conflicting instructions from
Broker and the Broker's broker of record us to who should receive
any monies due Broker under this Agreement, Lender shall escrow
such monies in an interest bearing trust account. Lender shall
release such monies and all interest accrued thereon upon the
execution and delivery of joint instructions from Broker and the
Broker's broker of record.
c.   In the event that a Loan pays off due to Broker's
origination efforts within 120 days after funding and Lender has
paid Broker a premium, Broker shall then remit to Lender all of
the premium paid within 10 calendar days after Lender has sent
written notice to Broker. If Lender funds the refinance loan
within 120 days of funding no premium will be paid to Broker. If
Broker falls to remit said payment to Lender within said 10
calendar days, then Lender may reimburse itself for any payments
due from Broker out of loan fees from subsequent closings.
d.   In the event of that Lender, at its opinion and sole
discretion, determines that Broker has breached any term of the
Agreement, Lender may withhold payment of funds due to Broker for
any Loan that Lender is funding or is about to fund and for which
the amounts due to Broker under this Section 7 not yet been paid.
Such funds will be placed in a separate Trust Account until such
time as Lender and Broker have settled Lender's claim that Broker
has breached this Agreement.
 8.    FAILURE  TO SUPPLY A COMPLETE LOAN PACKAGE:  In the  event
   that  Broker  or  Borrower  fail  to  supply  to  Lender   any
   documentation required or requested with respect to any  Loan,
   Lender  shall  have  the  option, at  its  sole  and  absolute
   discretion, to:
     a.   commit to make the Loan on the basis of the documentation
       provided:
b.   commit to make the Loan subject to delivery by Borrower or
Broker to Lender of such documentation as Lender specifies in
writing at the time such commitment is made; or
c.   reject the Loan.

 9.   USE OF APPROVED VENDORS: in connection with the preparation
   or submission of any Loan Package, Broker shall not utilize any
   real estate appraiser, credit reporting agency, or other vendor
   that is not acceptable to Lender, In the event that Broker shall
   submit a Loan Package including information or reports from  a
   person or entity not acceptable to Lender, Lender may reject or
   accept the Loan Package in 8CCOTdancc with Section 8 above.
10.  AUTHORlZATION TO OBTAIN BUSINESS CREDIT REPORT: Broker
authorizes Lender to obtain a business and individual credit
report with respect to Broker upon mutual execution of this
Agreement and from time to time thereafter as deemed necessary or
appropriate by Lender. Broker acknowledges and agrees that in the
course of its business, Lender conducts quality control audits of
Loan Packages. Lender shall have the right to review during
Broker's normal business hours the files of Broker related to
Loan Packages submitted to Lender.
11.  BROKER'S WARRANTIES: Broker represents and warrants to
Lender, (i) as of the time any Loan Package is submitted to
Lender, and (ii) as of the time the Loan is funded and closed,
that:
      a.   No Untrue Statements: Broker shall not submit In any Loan
        Package  any false, fraudulent, inaccurate, or  erroneous
        information or statements, or omit any material facts necessary
        to make any statement or information included in the Loan Package
        true, accurate, and understandable. For purposes of  this
        warranty, the term "submit" shall mean (i) submitting a Loan
        Package to Lender with false, fraudulent, inaccurate,  or
        erroneous information regardless of Broker's actual or prior
        knowledge of such false, fraudulent, inaccurate, or erroneous
        information; or (ii) submitting a Loan Package to Lender with
        false, fraudulent, inaccurate, or erroneous information after
        failing to follow standard practices and procedures prevalent in
        the mortgage banking industry; or (iii) submitting a Loan Package
        to  Lender  containing an appraisal that contains  false,
        fraudulent, inaccurate, or erroneous information where such
        Information was or should have been within the knowledge or
        control of appraiser; or (iv) submitting a Loan Package to Lender
        where the Broker has a "non arms-length" business, financial, or
        personal affiliation with, or financial interest in,  the
        appraiser.
b.   Absence of Claims: Except as previously disclosed by Broker
to Lender in writing. there is not pending or to the best or
Broker's knowledge, threatened any suit, action, arbitration, or
legal, administrative, or other proceeding or governmental
investigation (including an allegation of fraud by another
Lender) against Broker or its current or former owners, agents,
or employees which could have a material adverse effect an the
Broker's business. assets, financial condition, operations, or
reputation.
c.   Contra of Documents: Except where Borrower has been asked to
submit any loan documents directly to Broker, no Borrower shall
have had in its direct or indirect possession or control any
completed credit, income, employment, or deposit verification
document submitted to Lender with respect to any Loan.
d.   Duly Licensed: Broker possesses all necessary licenses,
permits, and authority to engage in the activities contemplated
by [his Agreement. If applicable, Broker's license number and its
expiration date appear below.
e.   Ownership: Except as otherwise disclosed to Lender in
writing before the submission of any Loan Package, Broker shall
have no direct or Indirect ownership interest or financial
interest in any property serving as security for the Loan, or in
any title company, escrow company, or notary providing settlement
services an a Loan. Broker shall not have any financial interest,
whether evidenced by ownership or debt, in any property serving
its security for the Loan at any time prior to funding of the
Latin by Lender except with prior written approval by Lender, or
in the Seller of the property in the case of loans sought by
Borrowers who are buying the property.
f.   Compliance with Laws: With respect to each Loan submitted by
Broker and funded by Lender, Broker has complied with all laws
and regulations applicable to it as a mortgage broker, and as a
Loan correspondent under HUD regulations, including but not
limited to the Real Estate Settlement Procedures Act, the Fair
Credit Reporting Act, the Equal Credit Opportunity Act, the Truth
In Lending Act, and all other applicable local, state, and
Federal laws and regulations.
g.   Authority This Agreement and all actions provided for herein
have been duly authorized by Broker's Board Of Directors, if
Broker is a corporation, or by such individual or individuals
empowered and authorized to enter into agreements on behalf of
Broker. Broker shall provide Lender with evidence reasonably
satisfactory to Lender of such authorization. The performance of
Broker's duties under this Agreement will not violate the
provisions of Brokers organizational documents, any agreement to
which it may be a party, or tiny court order, judgment, or decree
to which it may be subject.
h.   Valid Documents: All documents submitted to Lender are in
every respect valid and genuine, being what on their face they
purport to be, and all information (credit or otherwise)
submitted in connection with each such a Loan package is true and
accurate.
i.   Sale of Loans: Broker has no knowledge of any circumstances
or conditions with respect to any Loan, mortgaged property,
mortgage or mortgagor's credit standing that can be reasonably
expected to cause any governmental, quasi-governmental, or
private institutional investors to regard any Loan as an
unacceptable investment, cause any Loan to become delinquent, or
adversely affect the value of the security or marketability of
the Loan.
 12.   STATUS  OF  BROKER:  Nothing in this  Agreement  shall  be
   construed  as  making  the Broker a joint  venturer,  partner,
   representative, employee, or agent of Lender. Broker shall not
   hold itself out as such, nor shall it use Lender's name in any
   advertising without Lender's expressed prior written  consent.
   Broker is an independent contractor, and Broker shall determine
   the  method,  details,  and means of performing  all  services
   described in this Agreement.
13.  BROKERS INDEMNIFICATION: Broker shall Indemnity, defend, and
hold Lender and its shareholders, directors, officers, agents,
employees, successors, and assigns harmless from and against, and
shall reimburse the same with respect to any and all loss,
damage, liability, costs, and expenses, including reasonable
attorneys' fees (including the allocated cost of in-house
counsel), from any cause whatsoever, including but not limited
to:
      a.     any   breach  of  any  representation  or   warranty
      contained in Section 11 above;
      b.    Broker's failure to perform any obligation set  forth
      in this Agreement; or
      c.    any  claim  by  a  Borrower resulting  from  Lender's
      failure or refusal to fund a Loan (collectively, a Loss").
Without limiting the generality of the foregoing, Lender's  right
to  indemnification from Broker shall extend to all repurchase or
indemnification  demands by any third party to which  Lender  has
sold  any Loan originally submitted to Lender by Broker. Broker's
obligation  to indemnify Lender under this Agreement shall  arise
(i) upon Lender's notification to Broker that a Loss has occurred
or  (ii) automatically upon Lender's receipt of a Loan repurchase
demand  from a secondary market investor which Lender  determines
in  its  sole and absolute discretion to be enforceable, even  if
Lender has not incurred any Loss with respect to such Loan.
 14.   LENDERS  RIGHTS:  Broker's obligation to  fully  indemnify
   Lender  under this Agreement shall not be affected by Lender's
   taking any of the following actions with or without notice  to
   Broker:
      a.   Entering into a modification or forbearance agreement with
        Borrower;
b.   Liquidation, repayment, retirement, or sale or resale of any
Loan;
c.   Foreclosure of any Loan, including without Iimitation
Lender's acquisition of the property securing a Loan by making a
full credit bid at such foreclosure sale; or
d.   Sale or resale of the property securing any Loan
 15.   REPURCHASE  AGREEMENT: In the event of  a  breach  of  any
   warranty or representation contained in Section 11 by Broker, or
   in the event of a repurchase or indemnification demand from  a
   secondary market investor which Lender determines in its sole and
   absolute discretion to be enforceable, even if Lender has  not
   incurred any Loss with respect to such Loan, and the  Loan  in
   question is closed and funded by Lender, Broker agrees to either:
   (i)  repurchase  such a Loan immediately upon  written  demand
   therefore,  for the repurchase amount set forth in Section  16
   hereof, (ii) refinance the Loan at par plus accrued interest and
   pay  any loss, costs, or damages incurred by Lender, or  (iii)
   indemnify Lender Pursuant to Section 13. Broker agrees that any
   breach of this Section 15 may not be adequately compensable in
   damages alone. Therefore, Broker agrees that, in the event of any
   breach  of  Section 15, Lender shall, without  limitation,  be
   entitled to seek and obtain equitable relief by way of specific
   performance  or  otherwise to enforce Broker's  repurchase  or
   indemnification obligation hereunder,
16.  REPURCHASE AMOUNT: A repurchase pursuant to Section 15
hereof shall be priced as follows:
      a.   The original principal amount of the Loan, less principal
        reductions received by Lender; plus
b.   All interest accrued but unpaid on the principal balance of
the Loan from the date of funding by Lender through and including
the first day of the month following the month the repurchase is
made; plus
c.   All costs and expenses Incurred by Lender In connection with
origination, processing, funding, and servicing of the Loan; plus
d.   All costs and expenses incurred by Lender in enforcing
Broker's obligation to repurchase such a Loan, including, without
limitation, reasonable attorneys' fees (including the allocated
cost of in-house counsel) and costs of suit,
 17.   TERMINATION OF AGREEMENT:  Either party may terminate this
   Agreement at any time, upon written notice to the other party;
   provided, however, that any termination of the Agreement shall
   not affect:
          a.   Lender's obligation to pay any amounts due Broker under this
               Agreement, or
b.   The obligation of Broker with respect to Loans funded by
Lender pursuant to this Agreement, including, without limitation,
the obligation of Broker to indemnify and hold Lender harmless
from and against any Loss pursuant to Section 13 hereof, and to
repurchase a Loan or indemnify Lender pursuant to Section 15
hereof.
 18.   NOTICE  OF  CERTAIN MATTERS:  Broker hereby covenants  and
   agrees with Lender that Broker shall promptly give written notice
   to Lender of
          a.   The occurrence of any breach of a representation or warranty
               as set forth in Section11 hereof;
b.   Any litigation or proceeding affecting Broker involving (i)
amounts in the case of any such individual litigation,
investigation, or proceeding in excess of One Thousand Dollars
($1,000), or (ii) which, regardless of the amount in controversy,
if adversely determined, could have a material adverse effect on
the business, operations, property, or financial or other
condition of Broker or on the ability of Broker to perform its
obligations hereunder;
          c.   Receipt by Broker of notice from any agency concerning
               revocation, or any other adverse action or potential action
               relating to any of Brokers licenses to conduct Its business;
          d.   A materiel adverse change in the business, operations,
               property, or financial, or other condition of Broker; or
e.   Any change in (i) the ownership structure of Broker; (ii)
the Broker's broker of record for licensing purposes; or (iii)
Broker's name, address, or employer tax identification number.
 19.  MISCELLANEOUS:
          a.   Governing Law  This Agreement is entered into at the City of
             Larkspur, California, and shall be governed by the laws or the
             State of California.
          b.   Notices: All notices required hereunder shall be in writing
             and shall be deemed to have been given, made, and received only
             (i) upon delivery, if personally delivered to a party: (ii) one
             (1) business day after the date of deposit, if by nationally
             recognized courier service offering guaranteed overnight
             delivery; or (iv) three (3) business days after deposit in the
             United Stores first class mail, certified mail, postage prepaid,
             return receipt requested, at the addresses appearing below.
c.   Attorneys' Fees: If any legal action or other proceeding is
brought for the enforcement of any provision of this Agreement,
or because of an alleged dispute, breach, default, or
misrepresentation in connection with any of the provisions of the
Agreement, the prevailing party or parties shall be entitled to
reasonable attorneys' fees (including the allocated cost of
in-house counsel) and other costs incurred in that action or
proceeding. In addition to any other relief to which it of they
may be entitled. In addition, any such suit or proceeding shall
be brought only in the state courts located in Marin County,
State of California, which courts shall have sole and exclusive
in personam, subject matter, and other jurisdiction in connection
with such suit or proceedings, and venue shall be appropriate for
all purposes in such courts.
d.   No Assignment Broker may not assign this Agreement.
e.   Entire Agreement, Amendment: This Agreement constitutes the
entire agreement between the parties and supersedes all prior and
contemporaneous agreements, representations, and understandings.
No supplement, modification, or amendment shall be binding unless
executed in writing by and agreed to by both panics hereto. This
Agreement applies to all present and future Loans, as well as
those Loans previously submitted to or closed by Lender.
f.   Waivers and Remedies: Failure or delay to audit any Loan or
to exercise any right shall not act as a waiver of any other
right, nor shall any single or partial exercise or any right
preclude any other or further exercise thereof. No waiver of any
of the provisions of this Agreement shall be deemed, or shall
constitute, a waiver of any other provision, whether or not
similar, nor shall any waiver constitute a continuing waiver, No
waiver shall be binding unless executed in writing by the party
making the waiver. All remedies shall be cumulative and
non-exclusive.
g.    Partial Invalidity If any provision of this Agreement is
held to be invalid, void, or unenforceable the remaining
provisions shall nevertheless continue in full force and effect.
h.   Arbitration: Solely at Lender's discretion, Lender may
require that all disputes, controversies, or differences between
the parties arising out of or related to this Agreement shall be
resolved through binding arbitration. If Lender elects not to use
arbitration, or if a court of competent jurisdiction rules that
Lender's option under this part of the Agreement is invalid, the
parties hereto agree that the provisions of Section 19c shall
control as to the jurisdiction and venue of any legal action
concerning this Agreement. If Lender requires an arbitration to
resolve any disputes, controversy, or differences between the
parties arising out of or related to this agreement, the
arbitration shall occur in San Francisco, California. Arbitration
shall be conducted by a single arbitrator in accordance with the
then-current commercial arbitration rules and supplementary
procedures for commercial arbitration of the American Arbitration
Association ("AAA"). Any discovery shall be conducted in
accordance with laws of the State of California. The arbitrator
shall be selected by the mutual agreement of the parties, or
failing such agreement, shall be selected according to AAA rules.
Judgment upon any arbitrator's may be entered in any court of
competent jurisdiction. The parties hereby consent to such
court's jurisdiction.
i.   Insurance: Upon the request of Lender, Broker shall, at its
sole cost and expense obtain such miscellaneous professional
liability or errors and omissions insurance in such amounts and
with such companies as Lender may request, Said insurance; shall
name Lender as an additional insured and shall provide Lender
with thirty (30) days prior written notice of cancellation or
termination.

IN  WITNESS  WHEREOF,  the  parties  hereto  have  executed  this
Agreement  as  of this        /s/1st    day of         /s/  March
(month),     /s/   2000  (year).

BROKER                           LENDER:
NAME:/s/ OneCap                  GRE ENPOINT MORTGAGE FUNDING,
                                 INC.
                                 1100 Larkspur Landing Circle #
                                 101
                                 Larkspur, CA 94939
dba:
Address:1025 East Twain Ave. #3
/s/
      Las Vegas, NV 89109 /s/
                                 Telephone:800-462-2700
Telephone:_7027940554 /s/
License Number: MB 00344 /s/
Expiration Date: 6/31/00 /s/

By:/s/ Scott Lawrence            B y:/s/
/s/ Scott Lawrence
(Print Name)                     (Print Name)
/s/ Vice President               /s/ VP
(Title)                          (Title)

By: /s/
Authorized Broker of Record
/s/ Scott Lawrence
(Print Name)

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