Document:

CUSIP  No.  19421N 10 0                13D                   Page  8 of 20 Pages

                                    EXHIBIT 10.2
                                    ------------

THIS  AGREEMENT  is  made  effective  as of the 20th day of September, 1999, and
entered  into  on  February  16,  2001,

Between:

     EFINANCIAL  DEPOT.COM,  INC.

     (hereinafter  referred  to  as  the  "Company")

                                                            OF  THE  FIRST  PART

AND:

     RICHARD  LANGLEY

     (hereinafter  referred  to  as  the  "Contractor")

                                                           OF  THE  SECOND  PART

WHEREAS

A.     The Company desires to retain the Contractor to assist the Company in the
areas  of  strategic  development,  acquisitions  and  corporate finance 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.

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.
<PAGE>

CUSIP  No.  19421N 10 0                13D                   Page  9 of 20 Pages

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 include
the  following:

     (a)     assisting  the  Company  in its strategic planning and development;

     (b)     providing the Company with advise in connection with the raising of
capital  and  the  Company's
          affairs  generally;

     (c)     identifying  potential  acquisition  targets  for  the  Company and
assisting  the  Company  in
          negotiating  and  consummating  acquisitions;

     (d)     implementing  or causing to be implemented decisions of the Company
in  accordance  with  and  as  limited  by  this  Agreement;

     (e)     providing  such  other  services  as  the  Company  may  reasonably
request;

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 with the company is obligated by
the  Agreement  to  reimburse.

     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.
<PAGE>

CUSIP  No.  19421N 10 0                13D                   Page 10 of 20 Pages

                                    ARTICLE 3
                              COMPANY'S AGREEMENTS

3.1     Compensation  of  Contractor
        ----------------------------

     As  compensation  for  the  services rendered by the Contractor pursuant to
this  Agreement,  the Company shall pay to the Contractor monthly in advance, on
or  before  the  first day of each month or if a Saturday, Sunday or holiday the
next  following  business  day a fee of $10,000 per month during the term hereof

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 while 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 willful
act  or  omission  of the contractor, or as arise in respect of the Contractor's
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 16th day of February 2001,
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 provided that in circumstances where the
Contractor  would  otherwise have been entitled to receive a payment pursuant to
section  3.1  herein  within 30 days following termination of this Agreement the
Company  shall  make  such payment to the Contractor as if the Agreement had not
bene  terminated.

4.3     Duties  Upon  Termination
        -------------------------

     Upon  termination  of  this  Agreement for any reason, the Contractor shall
upon  receipt  of  all  sums  due  and  owing, promptly deliver the following in
accordance  with  the  directions  of  the  company:
<PAGE>

CUSIP  No.  19421N 10 0                13D                   Page 11 of 20 Pages

     (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  of  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.

4.4     Compensation  of  Contractor  on  Termination
        ---------------------------------------------

     Upon  termination  of  this  Agreement, the Contractor shall be entitled to
receive  as  its  full and  sole compensation in discharge of obligations of the
Company  to  the  Contractor under this Agreement all sums due and payable under
this Agreement to the date of termination and the Contractor shall have no right
to  receive any further payments; provided, however, that the Company shall have
the  right  to  offset  against  any  payment owing to the Contractor under this
Agreement any damages, liabilities, costs or expenses suffered by the Company by
reason of the fraud, negligence, or willful act of the Contractor, to the extent
such  right  has  not  been  waived  by  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 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  without  the  express  permission of the Company,
provided  that the Contractor is hereby given permission to maintain one copy of
the  Work  Product  for  his  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 his 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.
<PAGE>

CUSIP  No.  19421N 10 0                13D                   Page 12 of 20 Pages

     The  Contractor shall comply with such directions as the Company shall make
to  ensure  the  safeguarding  or  confidentiality  of  all  such  information.

5.3     Devotion  to  Contract
        ----------------------

     During  the  term  of the 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:

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

     (b)     devote such of his time, labor 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.

5.4     Other  Activities
        -----------------

     The  Contractor shall not be precluded from acting in a function similar to
that  contemplated  under  this Agreement for any other person, firm or company.

                                    ARTICLE 6
                                  MISCELLANEOUS

6.1     Waiver:  Consents
        -----------------

     No consent, approval or waiver, express or implied, by either party hereto,
to  or  of  any  breath  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  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     Governing  Law
        --------------

     This Agreement and all matters arising thereunder shall be governed by the
laws  of  the  State  of  Delaware.
<PAGE>

CUSIP  No.  19421N 10 0                13D                  Page  13 of 20 Pages

6.3     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.

6.4     Assignment
        ----------

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

6.5     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.

6.6     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.

6.7     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 deliver 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,  California  90067
     USA

     Attention:  John  Huguet

The  Contractor

     Richard  Langley

     _________________________

     _________________________

     _________________________

     Attention:  ________________

<PAGE>

CUSIP  No.  19421N 10 0                13D                  Page  14 of 20 Pages

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.

6.8     Time  of  the  Essence
        ----------------------

     Time  is  of  the  Essence

6.9     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.

6.10     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.

<PAGE>

CUSIP  No.  19421N 10 0                13D                  Page  15 of 20 Pages

     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

/s/  Richard  Langley
---------------------
RICHARD  LANGLEYCUSIP  No.  19421N 10 0                13D                  Page  16 of 20 Pages

                                  EXHIBIT 10.3
                                  ------------

                             STOCK OPTION AGREEMENT
                             ----------------------
                              e-financial depot.com
                             1999 STOCK OPTION PLAN

     THIS  AGREEMENT  is  entered  into  as of the 4th day of May 2001 ("Date of
Grant") between e-financial depot.com, a Nevada corporation (the "Company"), and
Richard  H.  Langley  (the  "Optionee").

          WHEREAS,  the  Board  of  Directors  of  the Company (the "Board") has
approved  and adopted the 1999 Stock Option Plan (the "Plan"), pursuant to which
the  Board  is authorized to grant to employees and other selected persons stock
options to purchase common stock, without par value, of the Company (the "Common
Stock");

          WHEREAS,  the  Plan  provides  for  the granting of stock options that
either  (i)  are  intended  to  qualify  as "Incentive Stock Options" within the
meaning  of  Section  422  of the Internal Revenue Code of 1986, as amended (the
"Code"),  or  (ii)  do not qualify under Section 422 of the Code ("Non-Qualified
Stock  Options");

          WHEREAS,  the Board has authorized the grant to Optionee of options to
purchase  a  total  of  250,000  shares  of  Common Stock (the "Options"), which
Options  are  intended  to  be  (select  one):

          xxx          Incentive  Stock  Options
                       Non-Qualified  Stock  Options;

          NOW  THEREFORE, the Company agrees to offer to the Optionee the option
to  purchase,  upon  the  terms and conditions set forth herein and in the Plan,
250,000  shares of Common Stock.  Capitalized terms not otherwise defined herein
shall  have  the  meanings  ascribed  thereto  in  the  Plan  .

1.     Exercise  Price.
       ----------------
       The  exercise  price  of  the  options  shall  be  $1.25  per  share.

2.     Limitation  on  the  Number  of  Shares.
       ----------------------------------------
          If  the Options granted hereby are Incentive Stock Options, the number
of  shares  which  may  be  acquired  upon  exercise  thereof  is subject to the
limitations  set  forth  in  Section  5(a)  of  the  Plan.

3.     Vesting  Schedule.
       ------------------
       The  Options  are exercisable in accordance with the following vesting
schedule:

   (a)     100%  of  the  Options  may  be  exercised  after  2  months;

<PAGE>

CUSIP  No.  19421N 10 0                13D                  Page  17 of 20 Pages

   (b)     0%  of  the  Options  may  be  exercised  after  4  months;
   (c)     0%  of  the  Options  may  be  exercised  after  6  months;
   (d)     0%  of  the  Options  may  be  exercised  after  8  months;

4.     Options  non  Transferable.
       ---------------------------
       This  Option may not be transferred, assigned, pledged or hypothecated
in  any manner (whether by operation of law or otherwise) other than by will, by
applicable  laws  of  descent  and  distribution  or  (except  in the case of an
Incentive  Stock  Option)  pursuant to a qualified domestic relations order, and
shall  not  be  subject  to  execution, attachment or similar process; provided,
however,  that  if  this  Option  represents  a Non-Qualified Stock Option, such
Option  is  transferable  without  payment  of consideration to immediate family
members of the Optionee or to trusts or partnerships established exclusively for
the  benefit  of the Optionee and the Optionee's immediate family members.  Upon
any  attempt to transfer, pledge, hypothecate or otherwise dispose of any Option
or  of  any  right of privilege conferred by the Plan contrary to the provisions
thereof, or upon the sale, levy or attachment or similar process upon the rights
and  privileges conferred by the Plan, such Option shall thereupon terminate and
become  null  and  void.

5.     Investment  Intent.
       -------------------
     By  accepting  the  option, the Optionee represents and agrees that none of
the  shares  of  Common  Stock  purchased  upon  exercise  of the Option will be
distributed  in  violation of applicable federal and state laws and regulations.
In  addition, the Company may require, as a condition of exercising the Options,
that  the  Optionee  execute an undertaking, in such a form as the Company shall
reasonably  specify,  that  the Stock is being purchased only for investment and
without  any  then-present  intention  to  sell  or  distribute  such  shares.

6.     Termination  of  Employment  and  Options.
       ------------------------------------------
       Vesting  Options  shall  terminate,  to  the  extent  not  previously
exercised,  upon  the  occurrence  of  the  first  of  the  following  events:

   (a)     Expiration: Ten (10) years; except, that the expiration date of any
           Incentive Stock Option granted to a greater-than ten percent (> 10%)
           shareholder of the Company shall not be later than five (5) years
           from the Date of Grant.

   (b)     Termination  for  Cause:  The  date  of  an  Optionee's  termination
           employment  or  contractual  relationship  with  the  Company  or
           any  Related Corporation  for  cause  (as  determined  in  the  sole
           discretion  of the Plan Administrator).

Termination  Due to Death or Disability:  The expiration of one (1)
year from  the  date  of  the  death  of  the  Optionee or cessation
of an Optionee's employment  or  contractual  relationship by reason
of Disability (as defined in Section  5(g)  of  the  Plan).  If  an
Optionee's  employment  or  contractual relationship  is  terminated
by death, any Option held by the Optionee shall be exercisable  only
by the person or persons to whom such Optionee's rights under such
Option  shall  pass by the Optionee's will or by the laws of descent
and distribution.
<PAGE>

CUSIP  No.  19421N 10 0                13D                  Page  18 of 20 Pages

   (d)     Termination Due to Cessation of Service as a Director:The expiration
           of  ninety  (90)  days  from the date an Optionee, if a director of
           the Company, ceases  to  serve  as  a  director  of  the  Company.

   (e)     Termination for Any Other Reason: The expiration of three (3) months
           from  the  date  of  an  Optionee's  termination  of  employment  or
           contractual relationship with the Company or any Related Corporation
          for  any reason whatsoever other than cause, death or Disability (as
          defined in Section 5(g) of the  Plan).

Each  unvested  Option  granted pursuant hereto shall terminate immediately upon
termination  of  the  Optionee's employment or contractual relationship with the
Company  for any reason whatsoever, including death or Disability unless vesting
is  accelerated  in  accordance  with  Section  5(f)  of  the  Plan.

7.     Stock.
       ------
       In  the  case of any stock split, stock dividend or like charge in the
nature  of  shares  of Stock covered by this Agreement, the number of shares and
exercise price shall be proportionately adjusted as set forth in Section 5(m) of
the  Plan.

8.     Exercise  of  Option.
       ---------------------
       Options  shall  be  exercisable, in full or in part, at any time after
vesting,  until termination; provided, however, that any Optionee who is subject
to  the  reporting  and  liability  provisions  of  Section 16 of the Securities
Exchange  Act  of  1934 with respect to the Common Stock shall be precluded from
selling  or transferring any Common Stock or other security underlying an Option
during  the  six  (6) months immediately following the grant of that Option.  If
less  than  all  of the shares included in the vesting portion of any Option are
purchased,  the  remainder  may be purchased at any subsequent time prior to the
expiration  of  the  Option  term.  No portion of any Option for less than fifty
(50) shares (as adjusted pursuant to Section 5(m) of the Plan) may be exercised;
provided,  that  if  the  vested  portion  of any Option is less than fifty (50)
shares,  it  may be exercised with respect to all shares for which it is vested.
Only whole shares may be issued pursuant to an Option, and to the extent that an
Option  covers  less  than  one  (1)  share,  it  is  unexercisable.

          Each  exercise of the Option shall be by means of delivery of a notice
of  election to exercise (which may be in the form attached hereto as Exhibit A)
to  the  Secretary  of the Company at its principal executive office, specifying
the  number of shares of Common Stock to be purchased and accompanied by payment
in  cash  by  certified  check  or  cashier's  cheque  in the amount of the full
exercise  price for the Common Stock to be purchased.  In addition to payment in
cash  by  certified  cheque or cashier's cheque, an Optionee or transferee of an
Option  may  pay  for  all  or  any  portion  of the aggregate exercise price by
complying  with  one  or  more  of  the  following  alternatives:

<PAGE>

CUSIP  No.  19421N 10 0                13D                  Page  19 of 20 Pages

(a)     by  delivering  to the Company shares of Common Stock previously held by
such  person  or  by  the  Company  withholding shares of Common Stock otherwise
deliverable  pursuant  to  exercise  of the Option, which shares of Common Stock
received  or withheld shall have a fair market value at the date of exercise (as
determined  by  the Plan Administrator) equal to the aggregate purchase price to
be  paid  by  the  Optionee  upon  such  exercise;

(b)     by  delivering  a  properly  executed  exercise  notice  together  with
irrevocable  instructions  to  a  broker promptly to sell or margin a sufficient
portion  of the shares and deliver directly to the Company the amount of sale or
margin  loan  proceeds  to  pay  the  exercise  price;  or

(c)     by  complying  with  any  other  payment  mechanism approved by the Plan
Administrator  at  the  time  of  exercise.
It  is  a condition precedent to the issuance of shares of Common Stock that the
Optionee  execute  and  deliver  to the Company a Stock Transfer Agreement, in a
form  acceptable  to  the  Company, to the extent required pursuant to the terms
thereof.

9.     Holding  Period  for  Incentive  Stock  Options.
       ------------------------------------------------
       Period  for  Incentive  Stock  Options.  In  order  to  obtain the tax
treatment  provided  for Incentive Stock Options by Section 422 of the Code, the
shares  of  Common  Stock  received  upon exercising any Incentive Stock Options
received  pursuant to this Agreement must be sold, if at all, after a date which
is later of two (2) years from the date of this agreement is entered into or one
(1)  year  from  the  date  upon  which the Options are exercised.  The Optionee
agrees  to report sales of such shares prior to the above determined date to the
Company  within one (1) business day after such sale is concluded.  The Optionee
also agrees to pay to the Company, within five (5) business days after such sale
is  concluded,  the  amount necessary for the Company to satisfy its withholding
requirement  required  by the Code in the manner specified in Section 5(1)(2) of
the Plan.  Nothing in this Section 9 is intended as a representation that Common
Stock  may  be sold without registration under state and federal securities laws
or  an  exemption  therefrom,  or  that  such  registration or exemption will be
available  at  any  specified  time.

10.     Subject  to  1999  Stock  Option  Plan.
        ---------------------------------------
          The terms of the Options are subject to the provisions of the Plan, as
the  same may from time to time be amended, and any inconsistencies between this
Agreement  and  the Plan, as the same may be from time to time amended, shall be
governed  by  the  provisions of the Plan, a copy of which has been delivered to
the  Optionee, and which is available for inspection at the principal offices of
the  Company.

11.     Professional  Advice.
        ---------------------
        The  acceptance  of  the  Options  and the sale of Common Stock issued
pursuant  to  the  exercise  of  Options may have consequences under federal and
state  tax  and  securities  laws  which  may vary depending upon the individual
circumstances  of  the Optionee.  Accordingly, the Optionee acknowledges that he
or  she has been advised to consult his or her personal legal and tax advisor in
connection  with  this Agreement and his or her dealings with respect to Options
for  the  Common  Stock.  Without  limiting  other matters to be considered, the
Optionee should consider whether upon the exercise of Options, the Optionee will
file  an election with the Internal Revenue Service pursuant to Section 83(b) of
the  Code.
<PAGE>

CUSIP  No.  19421N 10 0                13D                  Page  20 of 20 Pages

12.     No  Employment  Relationship.
        -----------------------------
        Whether  or not any Options are to be granted under this Plan shall be
exclusively  within  the  discretion  of  the  Plan  Administrator,  and nothing
contained  in  this  Plan  shall  be construed as giving any person any right to
participate  under this Plan.  The grant of an Option shall in no way constitute
any  form  of  agreement  or understanding binding on the Company or any Related
Company, express or implied, that the Company or any Related Company will employ
or  contract  with an Optionee for any length of time, nor shall it interfere in
any  way  with  the Company's or, where applicable, a Related Company's right to
terminate  Optionee's  employment  at  any time, which right is hereby reserved.

13.     Entire  Agreement.
        ------------------
        This  Agreement  is  the  only  agreement between the Optionee and the
Company  with  respect to the Options, and this Agreement and the Plan supersede
all  prior  and  contemporaneous oral and written statements and representations
and  contain  the  entire  agreement  between  the  parties  with respect to the
Options.

14.     Notices.
        --------
        Any  notice  required or permitted to be made or given hereunder shall
be  mailed  or  delivered  personally  to  the  addresses set forth below, or as
changed  from  time  to  time  by  written  notice  to  the  other:

        The  Company:    e-financial  depot.com
                         Attention:  John  Huguet,  President

        The  Optionee:   ____________________________
                         ____________________________
                         ____________________________

                        (address)

E-FINANCIAL  DEPOT.COM

Per:     /s/  John  Huguet
         ------------------------
         John  Huguet,  President

          THERE  MAY NOT BE PRESENTLY AVAILABLE EXEMPTIONS FROM THE REGISTRATION
REQUIREMENTS OF APPLICABLE FEDERAL AND STATE SECURITIES LAWS FOR THE ISSUANCE OF
SHARES  OF  STOCK  UPON  EXERCISE  OF THESE OPTIONS.  ACCORDINGLY, THESE OPTIONS
CANNOT  BE  EXERCISED  UNLESS THESE OPTIONS AND THE SHARES OF STOCK TO BE ISSUED
UPON  EXERCISE  OF  THESE  OPTIONS  ARE  REGISTERED  OR  AN  EXEMPTION FROM SUCH
REGISTRATION  REQUIREMENTS  IS  AVAILABLE.

          THE SHARES OF STOCK ISSUED PURSUANT TO THE EXERCISE OF OPTIONS WILL BE
"RESTRICTED  SECURITIES" AS DEFINED IN RULE 144 UNDER THE SECURITIES ACT OF 1933
AND WILL BEAR A LEGEND RESTRICTING RESALE UNLESS THEY ARE REGISTERED UNDER STATE
AND FEDERAL SECURITIES LAWS OR AN EXEMPTION FROM REGISTRATION IS AVAILABLE.  THE
COMPANY  IS  NOT  OBLIGATED TO REGISTER THE SHARES OF STOCK OR TO MAKE AVAILABLE
ANY  EXEMPTION  FROM  REGISTRATION.

                                    EXHIBIT A
                                    ---------
                         Notice of Election to Exercise
                         ------------------------------
          This  Notice  of  Election  to Exercise shall constitute proper notice
pursuant  to Section 5(h) of the e-finance depot.com 1999 Stock Option Plan (the
"Plan")  and  Section 8 of that certain Stock Option Agreement (the "Agreement")
dated  as of the day of ____, 1999 between e-financial depot.com (the "Company")
and  the  undersigned.

          The  undersigned  hereby  elects  to  exercise  Optionee's  option  to
purchase  shares  of  the common stock of the Company at a price of $ per share,
for  aggregate  consideration of $, on the terms and conditions set forth in the
Agreement  and the Plan.  Such aggregate consideration, in the form specified in
Section  8  of  the  Agreement,  accompanies  this  notice.

          The  undersigned  has  executed  this  Notice this day of ____ ,  1999

-------------------------
Signature

-------------------------
Name  (typed  or  printed)

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00027-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00027-of-00352.parquet"}]]