Document:

TERMINATION AGREEMENT

         AGREEMENT made this 28th day of April, 2000, by and among R-TEC
TECHNOLOGIES, INC. ("R-Tec"); THE THORNHILL GROUP, INC. ("Thornhill"); and
STENTON LEIGH CAPITAL CORPORATION ("Stenton Leigh").

                               W I T N E S S E T H

         WHEREAS, R-Tec and Thornhill have previously entered into a Placement
Agreement, originally dated September 21, 1999, which was subsequently modified;
and

         WHEREAS, the R-Tec and Thornhill wish to terminate the Placement
Agreement, save for Section 10 providing for indemnification of certain claims
and liabilities; and

         WHEREAS, R-Tec and Stenton Leigh have previously entered into a
Consulting Agreement dated September 21, 1999; and

         WHEREAS, the R-Tec and Stenton Leigh wish to terminate the Consulting
Agreement, save for Paragraph 8 providing for indemnification of certain claims
and liabilities.

         NOW, THEREFORE, in consideration of the premises and the mutual
covenants and conditions contained herein, the parties agree as follows:

         1. Within twenty-four (24) hours of the full execution of this
Agreement by the parties, R-Tec shall pay to Thornhill the sum of Fifty Thousand
Dollars ($50,000) and to Stenton Leigh the sum of Ten Dollars ($10.00) in full
satisfaction of all claims for compensation and reimbursement of any type
including, without limitation, warrants or options, expense reimbursements
(whether accountable or otherwise), rights of first refusal, consultant fees or
<PAGE>

the like, arising out of or in connection with the Placement Agreement and the
Consulting Agreement.

         2. Except for Section 10 of the Placement Agreement and Paragraph 8 of
the Consulting Agreement, the Placement Agreement and the Consulting Agreement
are hereby terminated and without further force and effect.

R-TEC TECHNOLOGIES, INC.                            THE THORNHILL GROUP, INC.

     /s/ Philip Lacqua                                 /s/Lawrence Isaacson
By:_______________________________                  By:_______________________
      President                                           /s/President & CEO
Title:_____________________________                Title:____________________

Date: 4/28/00                                            4/20/00
____________________________                        Date:_____________________

STENTON LEIGH CAPITAL CORPORATION
   /s/Milton H. Barbarosh
By:_______________________________
       /ceo/
Title:____________________________

Date:4/20/0
___________________________________

<PAGE>-  1  -
D/LMC/95446.1
D/LMC/95446.1
                                                                     e-financial
                                                                       depot.com

April  27,  2000

                               Letter of Agreement

By  and  between

e-financial  depot.com  (hereinafter  FDPO)

and

Dan Kovatch, licensed insurance broker and Owner of EZ NOW INSURANCE.COM URL and
web  site  (hereinafter  Kovatch).

This  letter outlines the agreement between the two parties FDPO and Kovatch for
the  purchase  of  EZ  Now Insurance.com URL and web site, which is described as
fully functional and doing web based insurance placement now.  The consideration
for  this  purchase  is  50,000 shares of FDPO paid as regulation 144 restricted
shares.

Also  included in the share consideration is an unspecified amount as inducement
for  Dan  Kovatch  to  join  e-financial  depot as our Insurance Manager, with a
mandate  to  build  the  web  based  Insurance  business.

Compensation  for  Kovatch will be a base salary of $5,000/month plus 20% of the
commissions  earned on the insurance he writes.  When the commission equals 150%
of  salary,  the  salary will be eliminated, and straight commission will apply.

Please  signify  your  agreement  by  signing  below.

Yours  truly,
e-financial  depot.com,  Inc.

/s/  John  Huguet

John  F.  Huguet
President  and  CEO

Agreed  /s/  Dan  Kovatch
Dan  KovatchJAWS
TECHNOLOGIES  INC.

Mr.  John  Huguet
President  and  CEO
e-Financial  Depot.com
1875  Century  Park  East,  Suite  150
Century  City,  California  90067

Dear  John:

Re:     Letter  of  engagement  for  JAWS  Technologies  Inc.

On Friday, February 25, 2000, Rick Langley, Brett O'Keefe (e-financial depot.com
-  FDPO),  Tej  Minhas,  Peter  Labrinos,  Vijay  Sachdeva and Joseph Iuso (JAWS
Technologies Inc. - JAWS) participated in a conference call.  The purpose of the
call  was  for  FDPO  to  give  JAWS  a quick overview of the activities already
underway,  and  scope  at a high level JAWS' short and long term roles in FDPO's
initiative  to  become the "one stop shop" for financial services and investment
information  on  the  World  Wide  Web.

We  are  very excited to have the opportunity to work with e-financial depot.com
(FDPO).  In  the  long  term, we envisage our role will be to provide assistance
and  leadership  in  the areas of project management, co-ordination of resources
involved  in  the  project,  especially  with  vendors, validating the technical
direction FDPO is pursuing, and the overall design, development, integration and
implementation  of the various systems and services.  We understand that FDPO is
well equipped to assess the business issues of the effort underway.  However, if
we can provide any assistance on the business impacts of the technical direction
chosen  we would be quite happy to do so at your request.  In the short term, as
agreed  in  the  conference  call, JAWS will immediately undertake the following
activities:

1.     A  site visit (March 1-2, 2000) to FDPO offices in Los Angeles to further
understand  the  initiatives  already  underway;

2.     Review  activities  underway  and identify any gaps in the required goals
and  the  direction  being  pursued  by  FDPO;

3.     Determine timeframe for security assessment by the JAWS security group of
the  current  FDPO  technical  infrastructure;

4.     Prepare  a proposal that will encompass a description of JAWS' role going
forward,  a  project  plan  depicting  resource  utilization, activities and the
associated  time  frames  to  accomplish  integration  of  critical  systems and
services  in  the  short  term,  and additional systems and services in the long
term.

                      1  Concorde  Gate,  Suite  307
                  Don  Mills,  Ontario  M3C  3N6  CANADA
               Tel:  416-444-4442        Fax:  416-444-9273

<PAGE>

We  expect  the  aforementioned  activities to be completed by March 13.  Joseph
Iuso,  senior  consultant, and myself will be the primary JAWS resources focused
on  these  deliverables.  The cost of these deliverables to FDPO will be $15,000
USD.  Please  note that this cost is exclusive of travel, lodging and applicable
taxes.

I  have  discussed  the time frame and cost of these immediate deliverables with
Rick and he is in agreement.  Kindly provide your acceptance and acknowledgement
by  signing  below  and  faxing  a  copy  to  my  attention  at  416-444-9273.

Once  again  we are really excited to be working with FDPO on this very exciting
initiative.

Kind  regards,

Yours  truly,

Vijay  Sachdeva
Director,  e-business
JAWS  Technologies  Inc.

Accepted:

/s/  John  Huguet

John  Huguet
President  &  CEO
e-Financial  Depot.com

Dated:  Feb

cc:     Mr.  Rick  Langley,  e-Financial  Depot.com
        Mr.  Peter  Labrinos,  JAWS  Technologies  Inc.

                      1  Concorde  Gate,  Suite  307
                   Don  Mills,  Ontario  M3C  3N6  CANADA
                Tel:  416-444-4442        Fax:  416-444-9273THIS  AGREEMENT  is  made  effective  as  of  the  day  of March, 2000

BETWEEN:

EFINANCIAL  DEPOT.COM,  INC.
----------------------------
150  -  1875  Century  Park  East
Century  City,  California,  90067
(hereinafter  referred  to  as  the  "Company")
                                                               OF THE FIRST PART

AND:

COBRATECH  INDUSTRIES  INC.
---------------------------

(hereinafter  referred  to  as  the  "Contractor")
                                                              OF THE SECOND PART

WHEREAS:

A.          The  Company  desires to retain the Contractor to assist the Company
in  pursuing  a  strategic  relationship  with  China.com and the Contractor has
agreed  to  so assist the Company on the terms and conditions of this Agreement.

          NOW  THEREFORE  THIS  AGREEMENT WITNESSES that in consideration of the
mutual  covenants and promises set forth herein, and for other good and valuable
consideration,  the  receipt  and sufficiency of which is hereby acknowledged by
each,  the  parties  hereto  agree  as  follows:

                                    ARTICLE 1
                     APPOINTMENT AND AUTHORITY OF CONTRACTOR

1.1     Appointment  of  Contractor

          The Company hereby appoints the Contractor to perform certain services
for  the benefit of the Company as hereinafter set forth, and the Company hereby
authorizes  the  Contractor  to  exercise  such  powers  as  provided under this
Agreement.  The  Contractor accepts such appointment on the terms and conditions
herein  set  forth.

<PAGE>

1.2     Authority  of  Contractor

          The  Contractor  shall have no right or authority, express or implied,
to  commit  or otherwise obligate the Company in any manner whatsoever except to
the extent specifically provided herein or specifically authorized in writing by
the  Company.

1.3     Independent  Contractor

          In  performing  its  services  hereunder,  the  Contractor shall be an
independent  contractor and not an employee or agent of the Company, except that
the  Contractor  shall be the agent of the Company solely in circumstances where
the  Contractor  must  be the agent to carry out its obligations as set forth in
this  Agreement.  Nothing  in  this  Agreement  shall  be  deemed to require the
Contractor to provide its services exclusively to the Company and the Contractor
hereby  acknowledges  that the Company is not required and shall not be required
to  make  any  remittances  and payments required of employers by statute on the
Contractor's  behalf  and the Contractor or any of its agents or employees shall
not be entitled to the fringe benefits provided by the Company to its employees.

                                    ARTICLE 2
                             CONTRACTOR'S AGREEMENTS

2.1     General

          The  services  to  be  provided by the Contractor to the Company shall
involve:

(a)     assisting  the Company in pursuing and securing a strategic relationship
with China.com so as to integrate the securities trading platform of the Company
into the China.com web site on substantially the terms set out in that letter of
intent entered into between the parties dated February 16, 2000, a copy of which
is  attached  as  Schedule  "A"  hereto  (the  "Project");  and

(b)     assisting the Company in connection with pursuing and securing strategic
relationships  similar in form to the Project in connection with other web sites
targeting  other  parts  of  the Austral-Asia region (the "Secondary Projects");
and in so assisting the Company, the Contractor shall at all times be subject to
the  direction  of  the  Company  and  shall keep the Company informed as to all
matters  concerning  the  Contractor's  activities.

2.2     Expense  Statements

          The  Contractor shall on or before the 15th day of each calendar month
during  the  term hereof, or if a Saturday, Sunday or holiday the next following
business day, render to the Company an itemized statement and accounting for the
previous calendar month, together with such supporting documents as and when the
Company  may  reasonably require, of all expenses which the Company is obligated
by  this  Agreement  to  reimburse.

<PAGE>

          The  Contractor may incur expenses in the name of the Company up to an
amount  per  month  as agreed in advance by the Company, such expenses to relate
solely to the carrying out of the Contractor's duties hereunder.  The Contractor
will  immediately forward all invoices for expenses incurred on behalf of and in
the  name of the Company and the Company agrees to pay said invoices directly on
a  timely  basis.

                                    ARTICLE 3
                              COMPANY'S AGREEMENTS

3.1     Compensation  of  Contractor

          As  compensation  for the services rendered by the Contractor pursuant
to  this  Agreement  in  connection  with  the  Project,  the  Company  shall:

(a)     issue  to  the Contractor 200,000 common shares (the "Common Shares") in
the capital stock of the Company, said shares being issued subject to the resale
restrictions  set  out  in  Rule 144 as promulgated  under the Securities Act of
1933  ("Rule  144");

(b)     issue to the Contractor a further 800,000 Common Shares provided that it
is  acknowledged  that 800,000 of such Common Shares (the "Escrow Shares") shall
be  held  in escrow and shall only be released to the Contractor upon successful
completion  of  the  Project  as  evidenced by an executed agreement between the
Company  and  China.com  and,  in circumstances where the Escrow Shares have not
been  released  by  June  30,  2000,  the Escrow Shares shall be returned to the
Company  for  cancellation;

(c)     issue  to  the Contractor a further 1,000,000 Common Shares at such time
as  200,000  securities  transactions  per  month have been effected through the
China.com  web  site  utilizing  the Company's securities trading platform for 3
consecutive  months.

          As  compensation  for  services rendered by the Contractor pursuant to
this  Agreement  in  connection  with  the Secondary Projects, the Company shall
compensate  the  contractor  in a manner equivalent to (b) and (c) above, taking
into  consideration factors such as the relative size of the market which is the
subject  of any Secondary Project and the price of the Common Shares at the time
of  successful  completion  of  any  Secondary Project relative to their current
price.

3.2     Indemnity  by  Company

          The  Company  hereby agrees to indemnify, defend and hold harmless the
Contractor,  from  and  against  any  and  all claims, demands, losses, actions,
lawsuits  and  other  proceedings,  judgments and awards, and costs and expenses
(including  reasonable  legal fees), arising directly or indirectly, in whole or
in  part, out of any matter related to any action taken by the Contractor within
the  scope  of  its  duties  or  authority hereunder, excluding only such of the
foregoing as arise from the fraudulent, gross negligence, reckless or wilful act
or  omission  of the Contractor, its officers, directors, agents or employees or
as  arise  in  respect  of  the  Contractor's

<PAGE>

office  overhead  or  the  Contractor's general administrative expenses, and the
provisions  of  this  Section  3.2  shall survive termination of this Agreement.

                                    ARTICLE 4
                        DURATION, TERMINATION AND DEFAULT

4.1     Effective  Date

          This Agreement shall become effective as of the date hereof, and shall
continue  on  subject  to  termination  as  provided  for  herein.

4.2     Termination

          This  Agreement  may be terminated by either party by giving the other
30  days  written  notice  of  such  termination.

          Notwithstanding  the  generality of the foregoing, the Agreement shall
terminate in circumstances where the Project has not been successfully completed
by  June  30,  2000.

          Notwithstanding the termination of the Agreement, the Contractor shall
be  entitled  to  receive  the  applicable  compensation  provided for herein in
circumstances  where  the  Company  completes  a  Project or a Secondary Project
within  6  months  of  termination of this Agreement unless such termination has
been  effected  by  the  Contractor.

4.3     Duties  Upon  Termination

          Upon  termination  of  this  Agreement  for any reason, the Contractor
shall  promptly  deliver  the following in accordance with the directions of the
Company:

(a)     a  final  accounting,  reflecting  the  balance  of expenses incurred on
behalf  of  the  Company  as  of  the  date  of  termination;  and

(b)     all documents pertaining to the Company or this Agreement, including but
not  limited  to,  all  books of account, correspondence and contracts, provided
that  the  Contractor  shall be entitled thereafter to inspect, examine and copy
all  of the documents which it delivers in accordance with this provision at all
reasonable  times  upon  three  (3)  days'  notice  to  the  Company.

                                    ARTICLE 5
                                 CONFIDENTIALITY

5.1     Ownership  of  Work  Product

          All reports, documents, concepts, products and processes together with
any  marketing  schemes,  business  or  sales  contracts,  or  any  business
opportunities prepared, produced, developed, or acquired, by or at the direction
of  the  Contractor,  directly  or  indirectly,  in connection with or otherwise
developed or first reduced to practice by the Contractor performing the services
(collectively,  the  "Work  Product")  shall  belong  exclusively  to  the

<PAGE>

Company  which  shall be entitled to all right, interest, profits or benefits in
respect  thereof.  No  copies,  summaries  or  other  reproductions  of any Work
Product  shall  be  made  by  the  Contractor  or any of its agents or employees
without  the  express permission of the Company, provided that the Contractor is
hereby  given  permission  to  maintain one copy of the Work Product for its own
use.

5.2     Confidentiality

          The  Contractor  shall  not,  except  as authorized or required by its
duties,  reveal  or divulge to any person or companies any of the trade secrets,
secret  or  confidential  operations,  processes  or dealings or any information
concerning  the  organization, business, finances, transactions or other affairs
of  the  Company,  which  may  come  to  its  knowledge  during the term of this
Agreement  and  shall  keep  in  complete  secrecy  all confidential information
entrusted to him and shall not use or attempt to use any such information in any
manner  which  may  injure  or cause loss, either directly or indirectly, to the
Company's  business  or may be likely so to do.  This restriction shall continue
to  apply after the termination of this Agreement without limit in point of time
but  shall  cease  to  apply to information or knowledge which may come into the
public  domain.

          The  Contractor shall comply, and shall cause its agents and employees
to  comply,  with  such  directions  as  the  Company  shall  make to ensure the
safeguarding  or  confidentiality  of  all  such  information.  The  Company may
require  that  any agent or employee of the Contractor execute an agreement with
the  Company  regarding  the  confidentiality  of  all  such  information.

5.3     Devotion  to  Contract

          During  the  term  of  this  Agreement,  the  Contractor  shall devote
sufficient  time,  attention, and ability to the business of the Company, and to
any associated company, as is reasonably necessary for the proper performance of
its  services  pursuant  to  this  Agreement.  Nothing contained herein shall be
deemed  to  require  the  Contractor to devote its exclusive time, attention and
ability  to the business of the Company.  During the term of this Agreement, the
Contractor  shall,  and  shall cause each of its agents or employees assigned to
performance  of  the  services  on  behalf  of  the  Contractor  to,:

(a)     at all times perform its services faithfully, diligently, to the best of
its  abilities  and  in  the  best  interests  of  the  Company;

(b)     devote  such  of  its  time, labour and attention to the business of the
Company  as is necessary for the proper performance of the Contractor's services
hereunder;  and

(c)     refrain  from acting in any manner contrary to the best interests of the
Company  or  contrary  to  the  duties of the Contractor as contemplated herein.

<PAGE>

                                    ARTICLE 6
                                  MISCELLANEOUS

6.1     Waiver;  Consents

          No  consent,  approval  or waiver, express or implied, by either party
hereto,  to or of any breach of default by the other party in the performance by
the  other party of its obligations hereunder shall be deemed or construed to be
a  consent  or waiver to or of any other breach or default in the performance by
such  other party of the same or any other obligations of such other party or to
declare  the  other  party  in  default,  irrespective  of how long such failure
continues,  shall  not  constitute  a general waiver by such party of its rights
under  this  Agreement,  and  the granting of any consent or approval in any one
instance  by  or  on  behalf  of the Company shall not be construed to waiver or
limit  the  need  for  such  consent  in  any  other  or  subsequent  instance.

6.2     Piggyback  Registration  Rights

          If,  at  any  time  du  ring the 2 years following the issuance of any
Common  Shares to the Contractor, as contemplated hereunder the Company proposes
to file a registration statement qualifying the issuance of or resale of certain
of the Company's securities, the Company shall, subject to the objections of any
underwriter involved in such share issuance, include any Common Shares issued to
the  Contractor  hereunder in such registration statement.  This provision shall
survive  any  termination  of  this  Agreement.

6.3     Governing  Law

          This Agreement and all matters arising thereunder shall be governed by
the  laws  of  the  State  of  Delaware  and the parties attorn to the exclusive
jurisdiction  of  the  Courts  thereof.

6.4     Successors,  etc.
          This  Agreement shall enure to the benefit of and be binding upon each
of  the  parties  hereto  and  their  respective heirs, successors and permitted
assigns.

6.5     Assignment

          This  Agreement  may  not  be  assigned  by  any party except with the
written  consent  of  the  other  party  hereto.

<PAGE>

6.6     Entire  Agreement  and  Modification

          This  Agreement  constitutes  the entire agreement between the parties
hereto  and  supersedes  all  prior agreements and undertakings, whether oral or
written,  relative  to  the  subject  matter  hereof.  To  be  effective  any
modification  of this Agreement must be in writing and signed by the party to be
charged  thereby.

6.7     Headings

          The  headings  of  the  Sections  and  Articles  of this Agreement are
inserted  for  convenience  of reference only and shall not in any manner affect
the construction or meaning of anything herein contained or govern the rights or
liabilities  of  the  parties  hereto.

6.8     Notices

          All  notices,  requests  and  communications  required  or  permitted
hereunder shall be in writing and shall be sufficiently given and deemed to have
been  received  upon personal delivery or, if mailed, upon the first to occur of
actual receipt or forty-eight (48) hours after being placed in the mail, postage
prepaid,  registered  or  certified mail, return receipt requested, respectively
addressed  to  the  Company  or  the  Contractor  as  follows:

The  Company:

efinancial  depot.com,  Inc.
150  -  1875  Century  Park  East
Century  City,  CA
USA
90067
Attention:  John  Huguet

The  Contractor:

CobraTech  Industries  Inc.

Attention:  Bill  G.  Calsbeck

or  such  other  address  as may be specified in writing to the other party, but
notice  of  a change of address shall be effective only upon the actual receipt.

6.9     Time  of  the  Essence

          Time  is  of  the  essence.

<PAGE>

6.10     Further  Assurances

          The  parties hereto agree from time to time after the execution hereof
to  make,  do,  execute or cause or permit to be made, done or executed all such
further  and  other  lawful  acts,  deeds, things, devices and assurances in law
whatsoever  as  may be required to carry out the true intention and to give full
force  and  effect  to  this  Agreement.

6.11     Counterparts

          This Agreement may be executed in several counter-parts, each of which
will  be  deemed to be an original and all of which will together constitute one
and  the  same  instrument.

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

EFINANCIAL  DEPOT.COM,  INC.

Per: /s/  John  Huguet
     -----------------
Authorized  Signatory

COBRATECH  INDUSTRIES  INC.

Per: /s/  Stephen  Koltai
     --------------------
Authorized  Signatory

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00009-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00009-of-00352.parquet"}], [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00009-of-00352.parquet"}], [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00009-of-00352.parquet"}]]