Document:

EXHIBIT 4.5

                              CONSULTANT AGREEMENT

     Consultant  Agreement, made as of June 10, 2003 between Consumers Financial
Corp.  having  its  principal  place  of  business located at 132 Spruce Street,
Cedarhurst,  NY,  11516  ("CFIN"  or  the  "Corporation"), and Mark B. Moline, a
private  corporate  consultant, whose principal place of business located at 189
Chandon  Laguna  Niguel,  CA  92677.

     WHEREAS,  the  Corporation  wishes  to assure itself of the services of the
Consultant  for  the  period  provided  in this Agreement, and the Consultant is
willing  to  provide  his  services  to the Corporation for the period under the
terms  and  conditions  hereinafter  provided.

     NOW,  THEREFORE,  WITNESSETH, that for and in consideration of the premises
and  of  the  mutual promises and covenants herein contained, the parties hereto
agree  as  follows:

5.        Engagement

          The  Corporation  agrees to and does hereby engage the Consultant, and
     the  Consultant  agrees  to  and  does  hereby  accept  engagement  by  the
     Corporation in connection with the operation of the business and affairs of
     the  Corporation,  for  period  commencing  on  May  21, 2003 and ending on
     December  31,  2003. The period during which Consultant shall serve in such
     capacity  shall  be deemed the "Engagement Period" and shall hereinafter be
     referred  to  as  such.

6.        SERVICES

          2.1  The  Consultant  shall  render  to  the  Corporation the services
     described  below, with respect to which the Consultant shall apply her best
     efforts  and  devote  such time as shall be reasonably necessary to perform
     his  duties  hereunder  and  advance  the interests of the Corporation. The
     Consultant  shall  report to the chief executive officer of the Corporation
     and  to  such  persons  as  the  chief  executive  officer  shall  direct.

          2.2  The  services to be rendered by the Consultant to the Corporation
     shall  under  no  circumstances  include  the  following:

          15.  Any  activities  which  could  be  deemed  by  the Securities and
               Exchange Commission (SEC) to constitute investment banking or any
               other  activities  required  the  Consultant  to  register  as  a
               broker-dealer  under  the  Securities  Exchange  Act  of  1934.

          16.  Any  activities  which  could  be  deemed  by  the  SEC  to be in
               connection  with  the  offer  or  sale  of  securities  in  a
               capital-raising  transaction.

          17.  Any  activities  which  do  not directly or indirectly promote or
               maintain  a  market  for  CFIN's  securities

3.3- The  services  to  be  rendered  by the Consultant to the Corporation shall
     consist  of  the  following:

3.4- CORPORATE  PLANNING

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          18.  Develop  an  in-depth  familiarization  with  the  Corporation's
               business  objectives  and  bring  to  its  attention potential or
               actual  opportunities  which  meet  those  objectives  or logical
               extensions  thereof.

          19.  Alert  the Corporation to new or emerging high potential forms of
               production  and  distribution  which  could either be acquired or
               developed  internally.

          20.  Comment on the Corporation's corporate development including such
               factors  as  position  in  competitive  environment,  financial
               performances  vs. competition, strategies, operational viability,
               etc.

          21.  Identify  prospective suitable merger or acquisition partners for
               the  Corporation,  perform  appropriate  diligence investigations
               with  respect thereto, advise the Corporation with respect to the
               desirability  of  pursuing  such  prospects,  and  assist  the
               Corporation  in  any  negotiations  which  may  ensue  therefrom.

          2.5                 BUSINESS  STRATEGIES

               1.       Evaluate business strategies and recommend changes where
               appropriate.

               2.      Critically evaluate the Corporation's performance in view
               of  its  corporate  planning  and  business  objectives.

3.        COMPENSATION

     For  the services and duties to be rendered and performed by the Consultant
during  the  Engagement  Period  and in consideration of the Consultant's having
entered  into his agreement, Consumers Financial Corp. (CFIN) agrees to issue to
the  Consultant  17,000  shares  of  CFIN  Common Stock (the "Consulting Stock")
pursuant  to an S-8 registration statement. The consulting stock shall represent
shares  based  on  CFIN's  current  capitalization prior to the occurrence of an
anticipated  reverse  stock  split,  and will be issued prior to the engagement.

2.        SECRETS

Consultant  agrees that any trade secrets or any other like information of value
relating  to  the  business  of  the Corporation or any of its affiliates has an
ownership  interest  of  more  than twenty-five percent (25%), including but not
limited to, information relating to inventions, disclosures, processes, systems,
methods,  formulae,  patents, patent application, machinery, materials, research
activities  and  plans,  costs  of  production, contract forms, prices volume of
sales,  promotional methods, list of names or classes of customers, which he has
heretofore  acquired  during  his  engagement  by  the Corporation or any of its
affiliates or which he may hereafter acquire during the Engagement Period as the
result of any disclosures to him, or in any other way, shall be regarded as held
by  the  Consultant  in  a  fiduciary  capacity  solely  for  the benefit of the
Corporation, its successors or assigns, and shall not at any time, either during
the  term of this Agreement or thereafter, be disclosed, divulged, furnished, or
made  accessible by the Consultant to anyone, or be otherwise used by his except
in  the  regular  course  of  business  of  the  Corporation  or its affiliates.

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5.   Assignment

     This  Agreement  may  be assigned by the Corporation as part of the sale of
substantially  all  of its business, provided, however, that the purchaser shall
expressly  assume  all  obligations  of  the  Corporation  under this Agreement.
Further,  this  Agreement  may  be  assigned by the Corporation to an affiliate,
provided  that  any  such affiliate shall expressly assume all obligation of the
Corporation  under  this  Agreement,  and  provided further that the Corporation
shall  then  fully guarantee the performance of the Agreement by such affiliate.
Consultant  agrees  that  if  this  Agreement  is so assigned, all the terms and
conditions of this Agreement shall be between assignee and himself with the same
force  and  effect  as if said Agreement had been made with such assignee in the
first  instance.  This Agreement shall not be assigned by the Consultant without
the  express  written  consent  of  the  Corporation.

6.   SURVIVAL  OF  CERTAIN  AGREEMENTS

     The  covenants  and  agreements  set forth in Article 4 and Article 5 shall
survive  the  expiration  of  the  Engagement  Period  and  shall  all  survive
termination  of this Agreement and remain in full force and effect regardless of
the  cause  of  such  termination.

7.   NOTICES

     7.1 All notices permitted to be given hereunder shall be delivered by hand,
telecopier,  or  recognized  courier service to the party to whom such notice is
required  or  permitted  to  be  given  hereunder.  Any notices delivered to the
address  designated for such delivery by such party, notwithstanding the refusal
of  such  party  or  other  person  to  accept  such  delivery.

     7.2  Any  notice  to  the Corporation or to any assignee of the Corporation
shall  be  addressed  as  follows:  132  Spruce  Street,  Cedarhurst,  NY  11516

     7.3  Any  notice  to  Consultant  shall  be  addressed as follows: 2716 St.
Andrews  Blvd.,  Suite  200,  Tarpon  Springs,  Florida  34688.

     7.4 Either party may change the address to which notice is to be addressed,
by  notice  as  provided  herein.

8.   APPLICABLE  LAW

     This  Agreement  shall  be  interpreted and enforced in accordance with the
     laws  of  New  York.

9.   INTERPRETATION

     Whenever  possible,  each Article of this Agreement shall be interpreted in
such  manner  as  to  be  effective  and  valid under applicable law, but if any
Article  is  unenforceable  or  invalid  under  such  law, such Article shall be
ineffective  only  to the extent of such unenforceability or invalidity, and the

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remainder  of such Article and the balance of this Agreement shall in such event
continue  to  be  binding  and  in  full  force  and  effect.

     IN WITNESS WHEREOF, the parties hereto have executed the above Agreement as
of  the  day  and  year  first  above  written:

Notwithstanding anything contained herein to the contrary, (i) this Agreement
shall not be effective until June 16, 2003 and (ii) the services of the
Consultant shall not commence until the S-8 registration statement covering the
Consulting Stock shall have been filed with the SEC.

                                                 Consumers Financial Corporation

                                                 By:  /s/  Jack  Ehrenhaus
                                                 Name:  Jack  Ehrenhaus

                                                 By:  /s/ Mark  B.  Moline
                                                      --------------------
                                                      Mark  B.  Moline

<PAGE><Page>

                                                                   EXHIBIT 10.66

THE CHUGH FIRM
A Professional Corporation
Navneet S. Chugh (State Bar # 162050)
Edgar Saenz (State Bar # 126270)
13304 Alondra Boulevard, 2nd Floor
Cerritos, CA 90703-2263

Tel: (562) 229-1220
Fax: (562) 229-1221

Attorney for : Plaintiff SIGNALTREE SOLUTIONS, INC.

                    SUPERIOR COURT OF THE STATE OF CALIFORNIA

                                COUNTY OF ORANGE

                             CENTRAL JUSTICE CENTER

                            (UNLIMITED JURISDICTION)

SIGNALTREE SOLUTIONS, INC.,                        CASE NO.: 02CC01994
a Delaware corporation,

                                    Plaintiff

               vs.                                    STIPULATION FOR ENTRY OF
                                                      JUDGMENT

MED DIVERSIFIED, INC. (formerly                   Complaint filed:  Jan 24, 2002
e-MEDSOFT.COM, INC.), dba MED
DIVERSIFIED, a Nevada Corporation; DOES
1 to 10

                                   Defendants

     THIS STIPULATION FOR ENTRY OF JUDGMENT (this "Stipulation") is hereby
entered by and between plaintiff, SIGNALTREE SOLUTIONS, INC., a Delaware
corporation (hereinafter the "PLAINTIFF") and defendant, MED DIVERSIFIED, INC.
(formerly e-MEDSOFT.COM, INC.), dba MED DIVERSIFIED, a Nevada Corporation
(hereinafter the

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"DEFENDANT") that a judgment be entered in favor of PLAINTIFF against DEFENDANT
in the sum of $139,720.00 plus interest on the aforesaid sum at the legal rate
of ten percent (10%) per annum from January 24, 2002, plus court costs and all
attorney's fees incurred by PLAINTIFF in connection with this case, less any
payments made by DEFENDANT under paragraph 1 below (collectively, the "Judgment
Amount"), subject to the following conditions:

     1.   Said judgment shall not be entered so long as DEFENDANT has not
defaulted in making payments aggregating to One hundred twenty five thousand
Dollars and Zero Cents ($125,000.00) as per the following schedule:

            i.      Forty five thousand dollars ($45,000) immediately upon the
                    signing of this Stipulation;

            ii.     Sixteen thousand dollars ($16,000) on or before July 20,
                    2002;

            iii.    Sixteen thousand dollars ($16,000) on or before August 20,
                    2002;

            iv.     Sixteen thousand dollars ($16,000) on or before September
                    20, 2002;

            v.      Sixteen thousand dollars ($16,000) on or before October 20,
                    2002; and

            vi.     Sixteen thousand dollars ($16,000) on or before November 20,
                    2002.

     2.   No grace period shall be allowed for the receipt of first payment. For
each subsequent payment, a grace period of five calendar (5) days shall be
allowed to cure the default. If PLAINTIFF fails to receive any payment due under
this Stipulation within five (5) calendar days of its due date, PLAINTIFF may,
at its option, declare DEFENDANT in default. Before declaring DEFENDANT to be in
default, PLAINTIFF shall give a written notice of one

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business day to DEFENDANT or its counsel of the default. Such notice can be
given by facsimile transmission, personal delivery or overnight courier, and
shall be deemed having been duly given on the date of receipt. Such notice shall
be given at the address mentioned below:

          If to DEFENDANT:

                 Alex Bromley
                 Vice President and General Counsel
                 Med Diversified, Inc.
                 200 Brickstone Square, Suite 403
                 Andover, Massachusetts 01810
                 Fax No.: (978) 656-9691

          If to DEFENDANT'S Counsel:

                 Evan B. Sorenson, Esq.
                 Manatt, Phelps & Phillips, LLP
                 11355 West Olympic Boulevard
                 Los Angeles, California 90064
                 Fax No.: (310) 312-4224

     3.   Time is of the essence with respect to the payments to be made by
DEFENDANT pursuant to paragraph 1 above.

     4.   If DEFENDANT is in default, PLAINTIFF may request that judgment
against defendant be immediately entered for the Judgment Amount. Said judgment
may be entered ex parte based on declaration(s) of PLAINTIFF's counsel without
further notice and/or hearings, and DEFENDANT expressly agrees that PLAINTIFF is
not required to make further appearances in the case. PLAINTIFF may thereafter
enforce the judgment and get a writ of execution immediately issued on said
judgment.

     5.   This Stipulation is intended to become a full mutual general release,
extending to any claims that may exist between PLAINTIFF and DEFENDANT, which
arise in the lawsuit entitled SIGNALTREE SOLUTIONS, INC. vs. MED DIVERSIFIED,
INC. Case No.02 CC01994 (the "Action") filed with the Superior Court of the
State of California, County of Orange, Central Justice

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Center, 700 Civic Center Drive West, Santa Ana, California 92702; whether or not
these claims are known, suspected or anticipated to exist and regardless of
whether any unknown, unsuspected of unanticipated claim would have materially
affected settlement mentioned in this Stipulation. PLAINTIFF and DEFENDANT
expressly, voluntarily and knowingly waive, relinquish and abandon every right,
protection and benefit to which they would be entitled now or any time in the
future under Section 1542 of the CALIFORNIA CIVIL CODE which provides as
follows:

                       A general release does not extend to claims which the
          creditor does not know or suspect to exist in his favor at the time of
          executing the release, which if known by him must have materially
          affected his settlement with the debtor.

     6.   By this Stipulation, the parties agree and stipulate that, in the
event of a default by DEFENDANT, the case shall be re-opened at the request of
PLAINTIFF, and the Court may resume jurisdiction, without notice to the
DEFENDANT, to enter judgment for the Judgment Amount stated in this Stipulation.
The parties also hereby agree to and do waive all statutes of limitations and
any other legal impediments or bars to this Court resuming jurisdiction under
the circumstances set forth above. In the alternative, in the event the Court
dismisses this action on its own motion for whatsoever reason, before full
payment is made under this Stipulation, this Stipulation shall have equal force
and effect in a subsequent action in this Court filed by PLAINTIFF against
DEFENDANT, consisting of claims identical to those claims asserted by PLAINTIFF
in this action.

     7.   The original copy of this Stipulation shall not be filed until and
unless DEFENDANT defaults in making any of the payments mentioned in paragraph 1
above, or upon the request of the Court. Following execution, the original
Stipulation shall be held in the file of PLAINTIFF's counsel.

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     8.   PLAINTIFF shall file a request for dismissal of the Action with
prejudice, within five business days of receipt of the last payment of Sixteen
thousand dollars ($16,000) due on November 1, 2002.

     9.   This Stipulation shall be binding upon and inure to the benefit of the
respective heirs, successors, predecessors, assigns, corporate officers,
directors, shareholders, employees, agents, legal representatives, and attorneys
of the parties and to the extent permitted by law.

     10.  This Stipulation constitutes the complete and entire agreement between
the parties hereto, and supersedes any prior negotiations or agreements between
the parties hereto, regarding the subject matter of this Stipulation.

     11.  Each of the undersigned represents and warrants that he or she has the
authority to bind the entity or persons on behalf of whom he or she is signing
to the terms and obligations of this Stipulation, and that to the extent
necessary, the execution and performance of this Stipulation has been duly
authorized and approved by its respective Board of Directors.

     12.  Should any covenant, condition or other provision contained herein be
held invalid, void or illegal by any court of competent jurisdiction, it shall
be deemed severable from the remainder of the Stipulation and shall in no way
affect, impair or invalidate any other covenant, condition or other provision
herein contained. If such condition, covenant or other provision shall be deemed
invalid due to its scope or breadth, it shall be deemed valid to the extent of
the scope or breadth permitted by law.

     13.  The parties hereby agree that faxed signatures of the parties to this
Stipulation shall be as binding and enforceable as original signatures; and that
this Stipulation may be executed in multiple counterparts with all the
counterparts together being deemed to constitute the complete agreement of the
parties.

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     14.  DEFENDANT and PLAINTIFF acknowledge and represent that they have read
this Stipulation, have had the opportunity to consult with legal counsel of
their own choice concerning their rights with respect to the form and content of
this Stipulation and the advisability of executing the same, and that no promise
or representations, except those contained herein, have been made to any party
by the other

     15.  The parties agree that the provisions of this Stipulation shall be
interpreted in accordance with the fair meaning thereof, and not strictly for or
against any of the parties hereto. Both parties have participated in the
drafting of this Stipulation which, accordingly, shall not be interpreted
against either party.

For Signaltree Solutions, Inc.               For Med Diversified, Inc.

By:                                          By:    /s/ Alex Bromley
       --------------------------------             -----------------------
Name:   Ashok Singhal                        Name:    Alex Bromley
Title:  Vice President and Chief             Title:   Vice President & General
        Financial Officer                             Counsel

Date:   June ____, 2002                      Date:    June 26, 2002

Approved as to the Form:
For The Chugh Firm                           For Manatt, Phelps & Phillips, LLP

By:                                          By:    /s/ Evan Sorensen
       --------------------------------             -----------------------
Name:   Navneet S. Chugh, Esq.               Name:  Evan Sorensen
        Attorney at Law                             Attorney at Law

Date:   June ____, 2002                      Date:  June 26, 2002

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     14.  DEFENDANT and PLAINTIFF acknowledge and represent that they have read
this Stipulation, have had the opportunity to consult with legal counsel of
their own choice concerning their rights with respect to the form and content of
this Stipulation and the advisability of executing the same, and that no promise
or representations, except those contained herein, have been made to any party
by the other

     15.  The parties agree that the provisions of this Stipulation shall be
interpreted in accordance with the fair meaning thereof, and not strictly for or
against any of the parties hereto. Both parties have participated in the
drafting of this Stipulation which, accordingly, shall not be interpreted
against either party.

For Signaltree Solutions, Inc.               For Med Diversified, Inc.

By:     /s/ Ashok Singhal                    By:    /s/ Alex Bromley
       --------------------------------             -----------------------
Name:   Ashok Singhal                        Name:    Alex Bromley
Title:  Vice President and Chief             Title:   Vice President & General
        Financial Officer                             Counsel

Date:   July 3, 2002                         Date:    June 26, 2002

Approved as to the Form:
For The Chugh Firm                           For Manatt, Phelps & Phillips, LLP

By:     /s/ Navneet S. Chugh                 By:    /s/ Evan Sorensen
       --------------------------------             -----------------------
Name:   Navneet S. Chugh, Esq.               Name:  Evan Sorensen
        Attorney at Law                             Attorney at Law

Date:   July 3, 2002                         Date:  June 26, 2002

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