Document:

CONSULTING AGREEMENT

THIS  CONSULTING  AGREEMENT (the "Agreement") is made and entered into this 13th
day  of  October,  2000,  by  and  between  John-Paul  Jones whose address is at
Crowsnest,  Brighton  Beach,  St.  Michael,  Barbados  (the  "Consultant"),  and
E-FINANCIAL  DEPOT.COM,  INC.  ("FDPO") a Delaware corporation with an office at
150  -  1875  Century  Park East, Century City, California 90067 (the "Client").

     WHEREAS,  the  Consultant  is  willing  and  capable  of  providing various
consulting  services,  hereinafter  defined, for and on behalf of the Client and
its  subsidiaries;  and

     WHEREAS,  the  Client  desires  to  retain the Consultant as an independent
Consultant  and  the Consultant desires to be retained in that capacity upon the
terms  and  conditions  hereinafter  set  forth.

     NOW,  THEREFORE,  in  consideration  of  the mutual promises and agreements
hereinafter  set  forth,  the  receipt  and  sufficiency  of  which  are  hereby
acknowledged,  the  parties  hereto  agree  as  follows:

     1.     Consulting Services.  The Client hereby retains the Consultant as an
independent  Consultant  to  the  Client  and  the Consultant hereby accepts and
agrees  to  such  retention.  The  Consultant  shall  render  to the Client such
services  as  set  forth  on  Exhibit  A,  attached  hereto  and  by  reference
incorporated  herein.

     2.     Time,  Place  and  Manner  of  Performance.  The Consultant shall be
available for advice and counsel to Client and representatives and agents of the
Client  at  such  reasonable  and convenient times and places as may be mutually
agreed  upon.  Except as aforesaid, the time, place and manner of performance of
the  services  hereunder,  including  the  amount of time to be allocated by the
Consultant  to  any specific service, shall be determined in the sole discretion
of  the  Consultant.

     3.     Term of Agreement.  The Term of this Agreement shall commence on the
date  hereof  and  shall  terminate upon completion of the services described in
Exhibit  A.

     4.     Compensation.  In  full consideration of the services to be provided
for  the  Client  by  the  Consultant,  as  fully  set  forth in Exhibit A, upon
execution  of  this Agreement, the Client agrees to compensate Consultant in the
manner  set  forth  on  Exhibit  B.

     5.     Expenses.  Consultant  shall  be  solely  responsible  for  all
anticipated  expenses  and  disbursements  to  be  made  in  connection with his
performance  under  this  Agreement.

     6.     Termination.

     (a)     This  Agreement  may  be  terminated  at any time by mutual written
agreement  of  the  parties  hereto.

     (b)     This  Agreement shall terminate upon the dissolution, bankruptcy or
insolvency  of  either  party.

Initials:     Consultant   JPJ     Client   JH
<PAGE>

     (c)     The  Client  shall  have the right and discretion to terminate this
Agreement should the Consultant violate any law, ordinance, permit or regulation
of  any  governmental  entity  which  has  a  material  adverse  effect  on  the
Consultant's  ability  to  perform  under  this  Agreement.

     (d)     The  Client  shall  have the right and discretion to terminate this
Agreement  should  the  Consultant fail to cure, within 15 days after receipt of
notice  from  the  Client,  any  of  the  following:

(i)     Any  willful  breach  of  duty  or  habitual  neglect  of  duty  by  the
Consultant;

(ii)     Any  material breach by the Consultant of the obligations in Section 7;
or

(iii)     Any  material  acts  or  events  which  inhibit  the  Consultant  from
fully  performing  his  responsibilities  under  this  Agreement  in good faith.

     7.     Confidentiality.  The  Consultant  recognizes  and acknowledges that
the  Consultant  has and will have access to certain confidential information of
the  Client  and  its affiliates that is valuable, special and unique assets and
property  of the Client and such affiliates.  The Consultant will not, during or
after the Term of this Agreement, disclose, without the prior written consent or
authorization  of  the  Client, any of such information to any person, except to
authorized  representatives  of the Consultant or his affiliates, for any reason
or  purpose  whatsoever.  In  this  regard,  the  Client  agrees  that  such
authorization  or  consent  to disclosure may be conditioned upon the disclosure
being  made  pursuant  to  a  secrecy  agreement, protective order, provision of
statute,  rule,  regulation  or procedure under which the confidentiality of the
information  is maintained in the hands of the person to whom the information is
to  be  disclosed  or  in  compliance  with  the  terms  of  a judicial order or
administrative  process.

     8.     Conflict  of  Interest.  The  Consultant  shall  be  free to perform
services  for  other  persons.  The  Consultant  will  notify  the Client of the
Consultant's performance of consulting services for any other person which could
conflict with the Consultant's obligations under this Agreement.  Upon receiving
such  notice,  the  Client  may  terminate  this  Agreement  or  consent  to the
Consultant's  outside  consulting  activities.

     9.     Disclaimer  of  Responsibility  for  Acts  of  the  Client.  The
obligations  of  Consultant  described  in  this Agreement consist solely of the
furnishing  of information and advice to the Client in the form of services.  In
no  event  shall  Consultant  be required by this Agreement to represent or make
management  decisions  for the Client.  All final decisions with respect to acts
and  omissions  of the Client or any affiliates and subsidiaries, shall be those
of  the Client or its affiliates, and Consultant shall under no circumstances be
liable  for any expense incurred or loss suffered by the Client as a consequence
of  such  acts  or  omissions.

     10.     Indemnity.

(a)     The  Client shall protect, defend, indemnify and hold Consultant and his
assigns  and  attorneys, accountants, employees, officers and directors harmless
from  and  against  all  losses,  liabilities,  damages,  judgments,  claims,
counterclaims,  demands,  actions,  proceedings,  costs  and expenses (including
reasonable  attorneys'  fees)  of  every  kind  and  character resulting from or
relating  to  or arising out of (a) the inaccuracy, non-fulfillment or breach of
any  representation,  warranty, covenant or agreement made by the Client herein;
or  (b)  any legal action, including any counterclaim, to the extent it is based
upon  alleged  facts  that,  if  true,  would

Initials:     Consultant   JPJ     Client   JH

<PAGE>

     constitute  a breach of any representation, warranty, covenant or agreement
made  by  the Client herein; or (c) negligent actions or omissions of the Client
or  any  employee or agent of the Client, or any reckless or willful misconduct,
occurring  during  the  Term hereof with respect to any of the decisions made by
the  Client.

     (b)     The Consultant shall protect, defend, indemnify and hold Client and
his  assigns  and  attorneys,  accountants,  employees,  officers  and directors
harmless  from  and against all losses, liabilities, damages, judgments, claims,
counterclaims,  demands,  actions,  proceedings,  costs  and expenses (including
reasonable  attorneys'  fees)  of  every  kind  and  character resulting from or
relating  to  or arising out of (a) the inaccuracy, non-fulfillment or breach of
any  representation,  warranty,  covenant  or  agreement  made by the Consultant
herein  or  the failure of the Consultant to abide by all federal and state laws
and  regulations  concerning  investor  relations,  stock promotions, and public
disclosure requirements; or (b) any legal action, including any counterclaim, to
the  extent  it  is  based  upon alleged facts that, if true, would constitute a
breach  of  any  representation,  warranty,  covenant  or  agreement made by the
Consultant  herein;  or  (c) negligent actions or omissions of the Consultant or
any  employee or agent of the Consultant, or any reckless or willful misconduct,
occurring  during  the  Term hereof with respect to any of the decisions made by
the  Consultant.

     11.     Notices.  Any  notices required or permitted to be given under this
Agreement  shall be sufficient if in writing and delivered or sent by registered
or  certified  mail  or overnight courier to the principal office of each party.

     12.     Waiver  or  Breach.  Any  waiver by either party of a breach of any
provision of this Agreement by the other party shall not operate or be construed
as  a  waiver  of  any  subsequent  breach  by  any  party.

     13.     Assignment.  This  Agreement  and the rights and obligations of the
Consultant  hereunder shall not be assignable without the written consent of the
Client.

     14.     Applicable Law. It is the intention of the parties hereto that this
Agreement  and  the  performance hereunder and all suits and special proceedings
hereunder  be construed in accordance with and under and pursuant to the laws of
the  Province  of British Columbia and that in any action, special proceeding or
other  proceeding  that  may be brought arising out of, in connection with or by
reason  of  this  Agreement,  shall  be  brought  only  in  a court of competent
jurisdiction  within  the  Province  of  British  Columbia.

    15.  Severability and Enforceability. All agreements and covenants contained
herein  are  severable, and in the event any of them shall be held to be invalid
by  any  competent  court, the Agreement shall be interpreted as if such invalid
agreements  or  covenants  were  not  contained  herein.

     16.    Entire Agreement. This Agreement constitutes and embodies the entire
understanding and agreement of the parties and supersedes and replaces all prior
understandings,  agreements  and  negotiations  between  the  parties.

     17.     Waiver and Modification.  Any waiver, alteration or modification of
any  of  the provisions of this Agreement shall be valid only if made in writing
and  signed  by  the  parties hereto.  Each party hereto, from time to time, may
waive any of its rights hereunder without effecting a waiver with respect to any
subsequent  occurrences  or  transactions  hereof.

Initials:     Consultant   JPJ     Client   JH

<PAGE>

     18.     Attorneys' Fees and Costs.  In the event of any dispute arising out
of  the subject matter of this Agreement, the prevailing party shall recover, in
addition  to  any damages assessed, its attorneys' fees and court costs incurred
in  litigating  or  otherwise settling or resolving such dispute.  In construing
this  Agreement,  none  of  the  parties hereto shall have any term or provision
construed  against  such party solely by reason of such party having drafted the
same.

     19.     Counterparts  and  Facsimile  Signatures.  This  Agreement  may  be
executed  simultaneously  in  two  or  more counterparts, each of which shall be
deemed an original, but all of which taken together shall constitute one and the
same  instrument.  Execution  and  delivery  of  this  Agreement  by exchange of
facsimile  copies  bearing  the  facsimile  signature  of  a  party hereto shall
constitute  a valid and binding execution and delivery of this Agreement by such
party.  Such  facsimile  copies shall constitute enforceable original documents.

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

CONSULTANT:                                   CLIENT:

JOHN-PAUL  JONES                              E-FINANCIAL  DEPOT.COM,  INC.

/s/  John  Paul  Jones                        By:     /s/  John  Huguet
----------------------                                -----------------
/s/ signed                                        John  Huguet,  C.E.O.
-----------                                    Chairman  of  the  Board
Witness  as  to  the  signature
of  John-Paul  Jones

/s/  Jean  L.  Williams
-----------------------
Print  Name  of  Witness

Initials:     Consultant   JPJ     Client   JH

<PAGE>

                                    EXHIBIT A

THE  CONSULTANT  AGREES  TO  PROVIDE  THE  FOLLOWING  SERVICES  TO  THE  CLIENT:

     Consultant  shall  provide  services to Client as an independent management
Consultant.  Consultant  shall  assist  Client  in finding and forming strategic
partnerships  and/or alliances for business development in South America and the
Caribbean.

CONSULTANT:                                   CLIENT:

JOHN-PAUL  JONES                              E-FINANCIAL  DEPOT.COM,  INC.

/s/  John  Paul  Jones                        By:     /s/  John  Huguet
----------------------                                -----------------
/s/ signed                                        John  Huguet,  C.E.O.
-----------                                    Chairman  of  the  Board
Witness  as  to  the  signature
of  John-Paul  Jones

/s/  Jean  L.  Williams
-----------------------
Print  Name  of  Witness

Initials:     Consultant   JPJ     Client   JH

<PAGE>

                                    EXHIBIT B

UPON  EXECUTION  HEREOF, FOR VALUE RECEIVED, THE CLIENT AGREES TO COMPENSATE THE
CONSULTANT  UNDER  THE  TERMS  OF  THIS  AGREEMENT  AS  FOLLOWS:

1.     As  a  project  commencement  fee  the  Client  hereby agrees to transfer
immediately  to  the  Consultant 90,000 free trading common shares of FDPO at no
cost  to  the  Consultant,  (DTC  instructions  to  follow);  and

2.     The  Consultant  is  hereby granted the option (the "Option") to acquire:

a)     up  to  300,000 shares of common stock of FDPO exercisable in whole or in
part  at  any  time  or times prior to October 31, 2003 at a purchase price (the
"Purchase  Price)  of  $1.00  per  share  which  Option  shall  vest  and become
exercisable  upon  execution  of  this  Agreement;  and

b)     up  to  200,000 shares of common stock of FDPO exercisable in whole or in
part at any time or times after December 1st, 2000 but prior to October 31, 2003
at  a  Purchase  Price  of  $1.50  per  share;  and

c)     up  to  100,000 shares of common stock of FDPO exercisable in whole or in
part at any time or times after February 1st, 2001 but prior to October 31, 2003
at  a  Purchase  Price  of  $2.00  per  share.

     The  Option  shall  be  exercised  by  delivery of notice in writing to the
Client  setting  out the number of optioned shares (the "Optioned Shares") which
the  Consultant  intends to purchase and enclosing a certified check or official
bank  check made payable to the Consultant's attorney in trust for the Client in
an  amount  equal  to  the  number  of Optioned Shares to be purchased times the
Purchase  Price.  The  Client  agrees  to deliver to the Consultant's attorney a
share  certificate  representing  the  Optioned  Shares purchased not later than
seven  (7)  days  after  receipt  of the notice and upon receipt of the Optioned
Shares  by  the  Consultant's  attorney  the  said  payment shall be immediately
releasable  by  the Consultant's attorney to the Client.  The Option and the Fee
shall  survive  the  termination  of  this  agreement for any reason whatsoever.

     In the case of any stock split, stock dividend or like charge in the nature
of  Optioned Shares covered by this Agreement, the number of shares and exercise
price  shall  be proportionately adjusted.  The Client shall prepare and file an
S-8  with  the  SEC  not later than October 31, 2000 including the grant of this
Option therein and within five (5) business days of the heretofore mentioned S-8
filing the Client shall issue to the Consultant a Stock Option Grant Certificate
pertaining  to  this  Option.

CONSULTANT:                                   CLIENT:

JOHN-PAUL  JONES                              E-FINANCIAL  DEPOT.COM,  INC.

/s/  John  Paul  Jones                        By:     /s/  John  Huguet
----------------------                                -----------------
/s/ signed                                        John  Huguet,  C.E.O.
-----------                                    Chairman  of  the  Board
Witness  as  to  the  signature
of  John-Paul  Jones

/s/  Jean  L.  Williams
-----------------------
Print  Name  of  Witness

Initials:     Consultant   JPJ     Client   JHCONSULTING AGREEMENT

THIS  CONSULTING  AGREEMENT (the "Agreement") is made and entered into this 13th
day  of  October,  2000, by and between John Graham Douglas, whose address is at
Paseo  de la Reforma, 264 - 2 Cuauhtemoc, 06500 Mexico, V.F. (the "Consultant"),
and  E-FINANCIAL  DEPOT.COM, INC. ("FDPO") a Delaware corporation with an office
at  150 - 1875 Century Park East, Century City, California 90067 (the "Client").

     WHEREAS,  the  Consultant  is  willing  and  capable  of  providing various
consulting  services,  hereinafter  defined, for and on behalf of the Client and
its  subsidiaries;  and

     WHEREAS,  the  Client  desires  to  retain the Consultant as an independent
Consultant  and  the Consultant desires to be retained in that capacity upon the
terms  and  conditions  hereinafter  set  forth.

     NOW,  THEREFORE,  in  consideration  of  the mutual promises and agreements
hereinafter  set  forth,  the  receipt  and  sufficiency  of  which  are  hereby
acknowledged,  the  parties  hereto  agree  as  follows:

     1.     Consulting Services.  The Client hereby retains the Consultant as an
independent  Consultant  to  the  Client  and  the Consultant hereby accepts and
agrees  to  such  retention.  The  Consultant  shall  render  to the Client such
services  as  set  forth  on  Exhibit  A,  attached  hereto  and  by  reference
incorporated  herein.

     2.     Time,  Place  and  Manner  of  Performance.  The Consultant shall be
available for advice and counsel to Client and representatives and agents of the
Client  at  such  reasonable  and convenient times and places as may be mutually
agreed  upon.  Except as aforesaid, the time, place and manner of performance of
the  services  hereunder,  including  the  amount of time to be allocated by the
Consultant  to  any specific service, shall be determined in the sole discretion
of  the  Consultant.

     3.     Term of Agreement.  The Term of this Agreement shall commence on the
date  hereof  and  shall  terminate upon completion of the services described in
Exhibit  A.

     4.     Compensation.  In  full consideration of the services to be provided
for  the  Client  by  the  Consultant,  as  fully  set  forth in Exhibit A, upon
execution  of  this Agreement, the Client agrees to compensate Consultant in the
manner  set  forth  on  Exhibit  B.

     5.     Expenses.  Consultant  shall  be  solely  responsible  for  all
anticipated  expenses  and  disbursements  to  be  made  in  connection with his
performance  under  this  Agreement.

     6.     Termination.

     (a)     This  Agreement  may  be  terminated  at any time by mutual written
agreement  of  the  parties  hereto.

     (b)     This  Agreement shall terminate upon the dissolution, bankruptcy or
insolvency  of  either  party.

Initials:     Consultant   JGD     Client   JH

<PAGE>

     (c)     The  Client  shall  have the right and discretion to terminate this
Agreement should the Consultant violate any law, ordinance, permit or regulation
of  any  governmental  entity  which  has  a  material  adverse  effect  on  the
Consultant's  ability  to  perform  under  this  Agreement.

     (d)     The  Client  shall  have the right and discretion to terminate this
Agreement  should  the  Consultant fail to cure, within 15 days after receipt of
notice  from  the  Client,  any  of  the  following:

(i)     Any  willful  breach  of  duty  or  habitual  neglect  of  duty  by  the
Consultant;

(ii)     Any  material breach by the Consultant of the obligations in Section 7;
or

     (iii)     Any  material  acts  or  events which inhibit the Consultant from
fully  performing  his  responsibilities  under  this  Agreement  in good faith.

     7.     Confidentiality.  The  Consultant  recognizes  and acknowledges that
the  Consultant  has and will have access to certain confidential information of
the  Client  and  its affiliates that is valuable, special and unique assets and
property  of the Client and such affiliates.  The Consultant will not, during or
after the Term of this Agreement, disclose, without the prior written consent or
authorization  of  the  Client, any of such information to any person, except to
authorized  representatives  of the Consultant or his affiliates, for any reason
or  purpose  whatsoever.  In  this  regard,  the  Client  agrees  that  such
authorization  or  consent  to disclosure may be conditioned upon the disclosure
being  made  pursuant  to  a  secrecy  agreement, protective order, provision of
statute,  rule,  regulation  or procedure under which the confidentiality of the
information  is maintained in the hands of the person to whom the information is
to  be  disclosed  or  in  compliance  with  the  terms  of  a judicial order or
administrative  process.

     8.     Conflict  of  Interest.  The  Consultant  shall  be  free to perform
services  for  other  persons.  The  Consultant  will  notify  the Client of the
Consultant's performance of consulting services for any other person which could
conflict with the Consultant's obligations under this Agreement.  Upon receiving
such  notice,  the  Client  may  terminate  this  Agreement  or  consent  to the
Consultant's  outside  consulting  activities.

     9.     Disclaimer  of  Responsibility  for  Acts  of  the  Client.  The
obligations  of  Consultant  described  in  this Agreement consist solely of the
furnishing  of information and advice to the Client in the form of services.  In
no  event  shall  Consultant  be required by this Agreement to represent or make
management  decisions  for the Client.  All final decisions with respect to acts
and  omissions  of the Client or any affiliates and subsidiaries, shall be those
of  the Client or its affiliates, and Consultant shall under no circumstances be
liable  for any expense incurred or loss suffered by the Client as a consequence
of  such  acts  or  omissions.

     10.     Indemnity.

(a)     The  Client shall protect, defend, indemnify and hold Consultant and his
assigns  and  attorneys, accountants, employees, officers and directors harmless
from  and  against  all  losses,  liabilities,  damages,  judgments,  claims,
counterclaims,  demands,  actions,  proceedings,  costs  and expenses (including
reasonable  attorneys'  fees)  of  every  kind  and  character resulting from or
relating  to  or arising out of (a) the inaccuracy, non-fulfillment or breach of
any  representation,  warranty, covenant or agreement made by the Client herein;
or  (b)  any legal action, including any counterclaim, to the extent it is based
upon  alleged  facts  that,  if  true,  would

Initials:     Consultant   JGD     Client   JH

<PAGE>

     constitute  a breach of any representation, warranty, covenant or agreement
made  by  the Client herein; or (c) negligent actions or omissions of the Client
or  any  employee or agent of the Client, or any reckless or willful misconduct,
occurring  during  the  Term hereof with respect to any of the decisions made by
the  Client.

     (b)     The Consultant shall protect, defend, indemnify and hold Client and
his  assigns  and  attorneys,  accountants,  employees,  officers  and directors
harmless  from  and against all losses, liabilities, damages, judgments, claims,
counterclaims,  demands,  actions,  proceedings,  costs  and expenses (including
reasonable  attorneys'  fees)  of  every  kind  and  character resulting from or
relating  to  or arising out of (a) the inaccuracy, non-fulfillment or breach of
any  representation,  warranty,  covenant  or  agreement  made by the Consultant
herein  or  the failure of the Consultant to abide by all federal and state laws
and  regulations  concerning  investor  relations,  stock promotions, and public
disclosure requirements; or (b) any legal action, including any counterclaim, to
the  extent  it  is  based  upon alleged facts that, if true, would constitute a
breach  of  any  representation,  warranty,  covenant  or  agreement made by the
Consultant  herein;  or  (c) negligent actions or omissions of the Consultant or
any  employee or agent of the Consultant, or any reckless or willful misconduct,
occurring  during  the  Term hereof with respect to any of the decisions made by
the  Consultant.

     11.     Notices.  Any  notices required or permitted to be given under this
Agreement  shall be sufficient if in writing and delivered or sent by registered
or  certified  mail  or overnight courier to the principal office of each party.

     12.     Waiver  or  Breach.  Any  waiver by either party of a breach of any
provision of this Agreement by the other party shall not operate or be construed
as  a  waiver  of  any  subsequent  breach  by  any  party.

     13.     Assignment.  This  Agreement  and the rights and obligations of the
Consultant  hereunder shall not be assignable without the written consent of the
Client.

     14.     Applicable Law. It is the intention of the parties hereto that this
Agreement  and  the  performance hereunder and all suits and special proceedings
hereunder  be construed in accordance with and under and pursuant to the laws of
the  Province  of British Columbia and that in any action, special proceeding or
other  proceeding  that  may be brought arising out of, in connection with or by
reason  of  this  Agreement,  shall  be  brought  only  in  a court of competent
jurisdiction  within  the  Province  of  British  Columbia.

    15.  Severability and Enforceability. All agreements and covenants contained
herein  are  severable, and in the event any of them shall be held to be invalid
by  any  competent  court, the Agreement shall be interpreted as if such invalid
agreements  or  covenants  were  not  contained  herein.

     16.    Entire Agreement. This Agreement constitutes and embodies the entire
understanding and agreement of the parties and supersedes and replaces all prior
understandings,  agreements  and  negotiations  between  the  parties.

     17.     Waiver and Modification.  Any waiver, alteration or modification of
any  of  the provisions of this Agreement shall be valid only if made in writing
and  signed  by  the  parties hereto.  Each party hereto, from time to time, may
waive any of its rights hereunder without effecting a waiver with respect to any
subsequent  occurrences  or  transactions  hereof.

Initials:     Consultant   JGD     Client   JH

<PAGE>

     18.     Attorneys' Fees and Costs.  In the event of any dispute arising out
of  the subject matter of this Agreement, the prevailing party shall recover, in
addition  to  any damages assessed, its attorneys' fees and court costs incurred
in  litigating  or  otherwise settling or resolving such dispute.  In construing
this  Agreement,  none  of  the  parties hereto shall have any term or provision
construed  against  such party solely by reason of such party having drafted the
same.

     19.     Counterparts  and  Facsimile  Signatures.  This  Agreement  may  be
executed  simultaneously  in  two  or  more counterparts, each of which shall be
deemed an original, but all of which taken together shall constitute one and the
same  instrument.  Execution  and  delivery  of  this  Agreement  by exchange of
facsimile  copies  bearing  the  facsimile  signature  of  a  party hereto shall
constitute  a valid and binding execution and delivery of this Agreement by such
party.  Such  facsimile  copies shall constitute enforceable original documents.

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

CONSULTANT:                                  CLIENT:

JOHN  GRAHAM  DOUGLAS                        E-FINANCIAL  DEPOT.COM,  INC.

/s/  John  Graham  Douglas                   By:     /s/  John  Huguet
--------------------------                           -----------------
                                                John  Huguet,  C.E.O.,
                                              Chairman  of  the  Board
/s/  signed
-----------
Witness  as  to  the  signature  of  John-Paul  Jones

/s/  Ian  S.  Brodie
--------------------
Print  Name  of  Witness

Initials:     Consultant   JGD     Client   JH

<PAGE>

                                    EXHIBIT A

THE  CONSULTANT  AGREES  TO  PROVIDE  THE  FOLLOWING  SERVICES  TO  THE  CLIENT:

     Consultant  shall  provide  services to Client as an independent management
Consultant.  Consultant  shall  assist  Client  in finding and forming strategic
partnerships  and/or  alliances  for  business  development  in  North  America.

CONSULTANT:                                  CLIENT:

JOHN  GRAHAM  DOUGLAS                        E-FINANCIAL  DEPOT.COM,  INC.

/s/  John  Graham  Douglas                   By:     /s/  John  Huguet
--------------------------                           -----------------
                                                John  Huguet,  C.E.O.,
                                              Chairman  of  the  Board
/s/  signed
-----------
Witness  as  to  the  signature  of  John-Paul  Jones

/s/  Ian  S.  Brodie
--------------------
Print  Name  of  Witness

Initials:     Consultant   JGD     Client   JH

<PAGE>

                                    EXHIBIT B

UPON  EXECUTION  HEREOF, FOR VALUE RECEIVED, THE CLIENT AGREES TO COMPENSATE THE
CONSULTANT  UNDER  THE  TERMS  OF  THIS  AGREEMENT  AS  FOLLOWS:

1.     As  a  project  commencement  fee  the  Client  hereby agrees to transfer
immediately  to  the  Consultant 90,000 free trading common shares of FDPO at no
cost  to  the  Consultant,  (DTC  instructions  to  follow);  and
2.     The  Consultant  is  hereby granted the option (the "Option") to acquire:
a)     up  to  300,000 shares of common stock of FDPO exercisable in whole or in
part  at  any  time  or times prior to October 31, 2003 at a purchase price (the
"Purchase  Price)  of  $1.00  per  share  which  Option  shall  vest  and become
exercisable  upon  execution  of  this  Agreement;  and
b)     up  to  200,000 shares of common stock of FDPO exercisable in whole or in
part at any time or times after December 1st, 2000 but prior to October 31, 2003
at  a  Purchase  Price  of  $1.50  per  share;  and
c)     up  to  100,000 shares of common stock of FDPO exercisable in whole or in
part at any time or times after February 1st, 2001 but prior to October 31, 2003
at  a  Purchase  Price  of  $2.00  per  share.

     The  Option  shall  be  exercised  by  delivery of notice in writing to the
Client  setting  out the number of optioned shares (the "Optioned Shares") which
the  Consultant  intends to purchase and enclosing a certified check or official
bank  check made payable to the Consultant's attorney in trust for the Client in
an  amount  equal  to  the  number  of Optioned Shares to be purchased times the
Purchase  Price.  The  Client  agrees  to deliver to the Consultant's attorney a
share  certificate  representing  the  Optioned  Shares purchased not later than
seven  (7)  days  after  receipt  of the notice and upon receipt of the Optioned
Shares  by  the  Consultant's  attorney  the  said  payment shall be immediately
releasable  by  the Consultant's attorney to the Client.  The Option and the Fee
shall  survive  the  termination  of  this  agreement for any reason whatsoever.

     In the case of any stock split, stock dividend or like charge in the nature
of  Optioned Shares covered by this Agreement, the number of shares and exercise
price  shall  be proportionately adjusted.  The Client shall prepare and file an
S-8  with  the  SEC  not later than October 31, 2000 including the grant of this
Option therein and within five (5) business days of the heretofore mentioned S-8
filing the Client shall issue to the Consultant a Stock Option Grant Certificate
pertaining  to  this  Option.

CONSULTANT:                                  CLIENT:

JOHN  GRAHAM  DOUGLAS                        E-FINANCIAL  DEPOT.COM,  INC.

/s/  John  Graham  Douglas                   By:     /s/  John  Huguet
--------------------------                           -----------------
                                                John  Huguet,  C.E.O.,
                                              Chairman  of  the  Board
/s/  signed
-----------
Witness  as  to  the  signature  of  John-Paul  Jones

/s/  Ian  S.  Brodie
--------------------
Print  Name  of  Witness

Initials:     Consultant   JGD     Client   JH

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00016-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00016-of-00352.parquet"}]]