Document:

Ethan Frome

DIT Ventures, Inc.

CONTENT LICENSE AGREEMENT

	THIS CONTENT LICENSE AGREEMENT (the "Agreement") is made as of this

31st day of January, 2001 (the "Effective Date") between DIT VENTURES, INC, a Michigan corporation,
with offices at 9420 Telstar Ave, El Monte, CA 91731, ("DIT") and Momentum Internet Corp.,
("Licensor"), a California corporation, with offices at 31035 Genstar Rd., Hayward, CA 94544, whose parent
company, Momentum Holding, Inc., a Cayman Islands corporation, with office at Genesis Building 5F, P.O.
Box 448GT, Grand Cayman, Cayman Islands.   

In consideration of the mutual promises contained herein, the parties agree as follows:

SECTION 1:  DEFINITIONS.   

	Unless otherwise specified, capitalized terms used in this Agreement shall have the meanings
attributed to them in Exhibit A hereto.

SECTION 2:  GRANT OF LICENSES; PAYMENTS

2.1 	Grant of Licenses.  Subject to the terms and conditions of this Agreement, Licensor hereby grants to
DIT, under Licensor's Intellectual Property Rights:

(a) 	A non-exclusive, worldwide license to use, modify, distribute, display and transmit the Licensor Content
in electronic form in connection with DIT Internet Properties via the Internet or any Wireless Device
and to permit users of the DIT Properties to download and print the Licensor Content for personal
use.  DIT's license to modify the Licensor content shall be limited to modifying the Licensor Content
to fit the format and look and feel of the DIT Internet Properties.

(b) 	A non-exclusive, worldwide, fully paid license to use and display the Licensor's Brand Features: (i) in
connection with the presentation of the Licensor Content on the Content Pages in the DIT Properties;
and (ii) in connection with the marketing and promotion of the DIT Properties.

(c) 	DIT shall be entitled to sublicense the rights set forth in this Section 2.1: (i) to its Affiliates only for
inclusion in DIT Properties; and (ii) in connection with any mirror site or derivative site.

(d) 	Not limiting any other rights provided to DIT pursuant to this Agreement, DIT shall have the right, at its
sole discretion, to display Teaser Content on pages that link to pages containing Licensor Content.

 

SECTION 3:	PRESENTATION OF LICENSOR CONTENT; ADVERTISING REVENUE.

3.1	DIT's Responsibilities.  In addition to any responsibilities that may be set forth in Exhibit C, DIT will
be responsible for the design, layout, posting, and maintenance of the Content Pages.  

3.2 	Licensor Assistance.  In addition to any responsibilities that may be set forth in Exhibit C, Licensor
will provide on-going assistance to DIT with regard to technical, administrative and service-oriented
issues relating to the utilization, transmission and maintenance of the Licensor Content, as DIT may
reasonably request.  Licensor will use its reasonable best efforts to ensure that the Licensor Content
is accurate, comprehensive and updated regularly as set forth in Exhibit C.

3.3	Advertising Rights.  DIT shall have the sole right to sell or license all Advertising Rights with respect
to co-branded Content Pages.  Revenue shall be shared with 50% to Licensor and 50% to DIT for all
advertising sold by DIT.  However, Licensor may also sell advertising on the co-branded Content
Pages with the consent of DIT which consent cannot be unreasonably withheld by DIT.

3.4	Payment Term: DIT shall pay Licensor the advertising revenue generated from the co-branded Content Pages before the 15th of each calendar month if the outstanding advertising
revenues on these co-branded Content Pages exceed $1000.  In the event that the advertising
revenue does not exceed $1000, DIT can pay on a quarterly basis no later than 15 days after
the end of each quarter.

3.5	Notices.  DIT will not alter or impair any acknowledgment of copyright or other Intellectual Property
Rights of Licensor that may appear in the Licensor Content and the Licensor Brand Features,
including all copyright, trademark and similar notices that Licensor may reasonably request.

3.6	Links.  The parties will maintain the hypertext links specified in Exhibit D.

SECTION 4:  DELIVERY OF LICENSOR CONTENT 

 

	During the term of this Agreement, Licensor shall deliver updates of the Licensor Content to DIT in
accordance with the Delivery Specifications set forth in Exhibit C.  Licensor also shall provide DIT
with reasonable prior notice of any significant Enhancements that generally affect the appearance,
updating, delivery or other elements of the Licensor Content, and shall make such Enhancements
available to DIT upon commercially reasonable terms.

SECTION 5:  INDEMNIFICATION

Licensor, at its own expense, will indemnify, defend and hold harmless DIT, its Affiliates and their
employees, representatives, agents and affiliates, against any claim, suit, action, or other proceeding
brought against DIT or an Affiliate based on or arising from a claim that the Licensor Content as
delivered to DIT or any Licensor Brand Feature infringes in any manner any Intellectual Property
Right of any third party or contains any material or information that is obscene, defamatory, libelous,
slanderous, that violates any person's right of publicity, privacy or personality, or has otherwise
resulted in any tort, injury, damage or harm to any person; provided,  however, that in any such case:
(x) DIT provides Licensor with prompt notice of any such claim; (y) DIT permits Licensor to assume
and control the defense of such action, with counsel chosen by Licensor (who shall be reasonably
acceptable to DIT); and (z) Licensor does not enter into any settlement or compromise of any such
claim without DIT's prior written consent, which consent shall not be unreasonably withheld.
Licensor will pay any and all costs, damages, and expenses, including, but not limited to, reasonable
attorneys' fees and costs awarded against or otherwise incurred by DIT or an Affiliate in connection
with or arising from any such claim, suit, action or proceeding.  It is understood and agreed that DIT
does not intend and will not be required to edit or review for accuracy or appropriateness any Licensor
Content.

SECTION 6:  LIMITATION OF LIABILITY.

EXCEPT AS PROVIDED IN SECTION 5, UNDER NO CIRCUMSTANCES SHALL LICENSOR,
DIT, OR ANY AFFILIATE BE LIABLE TO ANOTHER PARTY FOR INDIRECT, INCIDENTAL,
CONSEQUENTIAL, SPECIAL OR EXEMPLARY DAMAGES ARISING FROM THIS
AGREEMENT, EVEN IF THAT PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF
SUCH DAMAGES, SUCH AS, BUT NOT LIMITED TO, LOSS OF REVENUE OR
ANTICIPATED PROFITS OR LOST BUSINESS.

SECTION 7:  TERM AND TERMINATION

7.1	Initial Term and Renewals.  This Agreement will become effective as of the Effective Date and shall,
unless sooner terminated as provided below or as otherwise agreed, remain effective for an initial term
of twelve (12) months from the Effective Date.  After the Initial Term, this Agreement will be
automatically renewed for successive additional one year periods  ("Extension Terms"), unless
otherwise terminated by either party by giving notice to the other party not less than sixty (60) days
prior to the end of a Term. As used herein, the "Term" means the Initial Term and any Extension
Term(s).

shall commence from the Effective Date

7.2	Termination for Cause.  Notwithstanding the foregoing, this Agreement may be terminated by either
party immediately upon notice if the other party: (w) becomes insolvent; (x) files a petition in
bankruptcy; (y) makes an assignment for the benefit of its creditors; or (z) breach any of its
obligations under this Agreement in any material respect, which breach is not remedied within thirty
(30) days following written notice to such party.

7.3	Effect of Termination.  Any termination pursuant to this Section 7 shall be without any liability or
obligation of the terminating party, other than with respect to any breach of this Agreement prior to
termination.  The provisions of Sections 5, 6, 7, 8, 9, 10, and this Section 7.3 shall survive any
termination or expiration of this Agreement.  

SECTION 8:  OWNERSHIP.  

8.1	By Licensor.  DIT acknowledges and agrees that:  (i) as between Licensor on the one hand, and DIT
and its Affiliates on the other, Licensor owns all right, title and interest in the Licensor Content and
the Licensor Brand Features; (ii) nothing in this Agreement shall confer in DIT or an Affiliate any
right of ownership in the Licensor Content or the Licensor Brand Features; and (iii) neither DIT or
its Affiliates shall now or in the future contest the validity of the Licensor Brand Features.  No
licenses are granted by either party except for those expressly set forth in this Agreement.

8.2	By DIT.  Licensor acknowledges and agrees that:  (i) as between Licensor on the one hand, and DIT
and its Affiliates on the other, DIT or the Affiliates own all right, title and interest in any DIT Property
and the DIT Brand Features; (ii) nothing in this Agreement shall confer in Licensor any license or
right of ownership in the DIT Brand Features; and (iii) Licensor shall not now or in the future contest
the validity of the DIT Brand Features.  No licenses are hereby granted by DIT.  DIT or its Affiliates
shall own all derivative works created by DIT from the Licensor Content, including the Content
Pages, pursuant to this Agreement, to the extent such is separable from the Licensor Content.

SECTION 9:  PUBLIC ANNOUNCEMENTS. 

	The parties will cooperate to create any and all appropriate public announcements relating to the
relationship set forth in this Agreement.  Neither party shall make any public announcement regarding
the existence or content of this Agreement without the other party's prior written approval and
consent.

SECTION 10:  NOTICE;  MISCELLANEOUS PROVISIONS

10.1	Notices.  All notices, requests and other communications called for by this agreement shall be deemed
to have been given immediately if made by telecopy or electronic mail (confirmed by concurrent
written notice sent first class U.S. mail, postage prepaid), if to DIT at:

9420 Telstar Ave, Suite 211 

El Monte, CA 95051, 

Fax: (626) 279-5217 

Attention:  Kenneth Yeh

and if to Licensor at the physical and electronic mail addresses set forth on the signature page of this
Agreement, or to such other addresses as either party shall specify to the other.  Notice by any other
means shall be deemed made when actually received by the party to which notice is provided.

10.2	Miscellaneous Provisions.  This Agreement will bind and inure to the benefit of each party's permitted
successors and assigns.  Neither party may assign this Agreement, in whole or in part, without the
other party's written consent; provided, however, that: (i) either party may assign this Agreement
without such consent in connection with any merger, consolidation, any sale of all or substantially all
of such party's assets or any other transaction in which more than fifty percent (50%) of such party's
voting securities are transferred; and (ii) DIT may assign this Agreement without such consent to an
Affiliate. Any attempt to assign this Agreement other than in accordance with this provision shall be
null and void. This Agreement will be governed by and construed in accordance with the laws of the
State of California, without reference to conflicts of laws rules, and without regard to its location of
execution or performance.  If any provision of this Agreement is found invalid or unenforceable, that
provision will be enforced to the maximum extent permissible, and the other provisions of this
Agreement will remain in force.  Neither this Agreement, nor any terms and conditions contained
herein may be construed as creating or constituting a partnership, joint venture or agency relationship
between the parties.  No failure of either party to exercise or enforce any of its rights under this
Agreement will act as a waiver of such rights.  This Agreement and its exhibits are the complete and
exclusive agreement between the parties with respect to the subject matter hereof, superseding and
replacing any and all prior agreements, communications, and understandings, both written and oral,
regarding such subject matter.  This Agreement may only be modified, or any rights under it waived,
by a written document executed by both parties.  This Agreement may be executed in any number of
counterparts, all of which taken together shall constitute a single instrument.  Execution and delivery
of this Agreement may be evidenced by facsimile transmission.

IN WITNESS WHEREOF, the parties have caused this Agreement to be executed by their duly
authorized representatives as of the date first written above.

	DIT VENTURES, INC.			LICENSOR

By:  							By:  						

                        Kenneth Yeh	                                                       Jeffrey Wang       

Title:  	           Chief Executive Officer	______		Title: 	____President_____________________

							Address:  31035 Genstar Rd.

								   Hayward, CA 94544

							Fax:  	   510-471-5388

							Email:  	jeffwang@quote123.com

EXHIBIT A

DEFINITIONS

	

	"Advertising Rights" shall mean the advertising and promotional rights sold or licensed with respect
to Content Pages.

	"Affiliates" shall mean any company or any other entity world-wide, including, without limitation,
corporations, partnerships, joint ventures, and Limited Liability Companies, in which DIT owns at
least a thirty percent ownership, equity, or financial interest. 

	"Confidential Information" shall mean all information concerning DIT, including, without limitation,
all commercial, financial, sales, marketing, technological, customer and software information, that
may be deemed to be proprietary and confidential information of DIT.

	"Content Pages" shall mean those pages in the DIT Property that contain Licensor Content and that
are co-branded with both Licensor Brand Features and DIT Brand Features. Content Pages shall not
include pages containing Teaser Content.

 

	"Enhancements" shall mean any updates, improvements or modifications made to, or derivative works
created from, the Licensor Content by Licensor.

	"Intellectual Property Rights" shall mean all rights in and to trade secrets, patents, copyrights,
trademarks, know-how, as well as moral rights and similar rights of any type under the laws of any
governmental authority, domestic or foreign.

	"Internet" shall mean the collection of computer networks commonly known as the Internet, and shall
include, without limitation, the World Wide Web.

	"Licensor Brand Features" shall mean all trademarks, service marks, logos and other distinctive brand
features of Licensor that are used in or relate to the Licensor Content, including, without limitation,
the trademarks, service marks and logos described in Exhibit B hereto.

	"Licensor Content" shall mean, collectively, all materials, data, and similar information collected and
owned by Licensor, which is a collection of HTML files and certain related scripts, as further
described in Exhibit B attached hereto, including, without limitation, all Enhancements.

"Teaser Content" shall mean unmodified headlines and/or the first sentence of articles from Licensor
Content.

"Wireless Devices" shall mean various devices, including, but not limited to, cellular phones, personal
digital assistants and pagers, that receive and/or transmit voice, data or video signals through the radio
spectrum exclusively and in connection with other technologies (such as the Internet). 

"Wireless Device Carriers" shall mean various carriers that use the radio spectrum, both exclusively
and in connection with other technologies (such as the Internet), for transmitting and receiving voice,
data or video signals for communications.   

	"DIT Brand Features" shall mean all trademarks, service marks, logos and other distinctive brand
features of DIT that are used in or relate to a DIT Property, including, without limitation, the
trademarks, service marks and logos described in Exhibit B.

	"DIT Properties" shall mean any DIT branded or co-branded media properties, including, without
limitation, Internet guides, developed in whole or in part by DIT or its Affiliates and distributed or
made available by DIT or its Affiliates over the Internet, and any Wireless Device Carrier.

EXHIBIT B

LICENSOR CONTENT

Licensor's content consisting of categories of Stock Market News, Sector Analysis, Stock
Reports, and Hot Stocks on Quote123.com website with daily quantity of stories and weekly
updates on special features to be mutually agreed between Licensor and DIT, including,
without limitation, before and after Stock Market News, Sector Analysis, Stock Reports, and
Hot Stocks

LICENSOR BRAND FEATURES

Quote123

Quote123.com logo

DIT BRAND FEATURES

Quote888

Quote888 related logos

EXHIBIT C

DELIVERY AND TECHNICAL SPECIFICATIONS

A.	Licensor's Responsibilities:

1.	Licensor will deliver Licensor Content on a schedule mutually agreed by Licensor and
DIT.

2.	Licensor will throughout the term of this agreement, provide ongoing assistance to DIT with
regard to technical, administrative and services-oriented issues related to the utilization,
transmission, and maintenance of the Licensor Content, as DIT may reasonably request.  	

3.	Licensor will use its reasonable efforts to ensure that Licensor Content is accurate,
comprehensive, and updated regularly.	 

4.	Licensor will bear the cost of preparing and transmitting Licensor Content to DIT.	

	

B.	DIT's Responsibilities:

1.	DIT will be responsible for providing server equipment and software necessary to
incorporate the Licensor Content into DIT properties, provided that the Licensor Content
is provided in accordance with the Format of Content Delivery below.	

2.	DIT will host Licensor Content on its servers.	

3.	DIT will present the information specific on pages consistent with DIT's user interface.

4.	DIT will use commercially reasonable efforts to sell the advertising inventory created by this
partnership. DIT will be responsible for tracking advertising banners served to the Content
Pages, advertising production and rotation.	

C.	Format of Content Delivery: 

The Licensor Content shall be delivered by URL which is designated by Licensor.  DIT
will be using HTTP to retrieve the Content.  The Content is in XML format.  Licensor
shall provide user name and password to DIT.   

EXHIBIT D

LINKS

During the Term of this Agreement, the following links will be maintained:

	LOCATION OF LINK

Pages display only Licensor's content
	LINK TO WHERE

Quote123.com Homepage
	SPECIFICS OF LINK

www.quote123.comEMPLOYMENT AGREEMENT

         THIS  AGREEMENT made  as  of  the  31  day  of  March,  2001

 BETWEEN:

        E-FINANCIAL  DEPOT.COM,  INC.  with offices at  150  - 1875 Century Park
        East, Century  City,  California,  90067

             (hereinafter  referred  to  as  the  "Company")
                                                               OF THE FIRST PART

 AND:  MR.  PAUL  LEMMON  (hereinafter  referred  to  as  "Contractor")

                                                              OF THE SECOND PART
WHEREAS:

A. it has been understood and agreed between the Contractor and the Company that
an  employment  agreement  would be drawn up and submitted to the Contractor and
the  Company  for  approval;  and

B.  the  Contractor  and  the  Company now wish to formally record the terms and
conditions upon which the Contractor will continue to be employed by the Company
and  that  they  have  agreed  to  the  terms  and  conditions set forth in this
Agreement,  as  evidenced  by  their  execution  hereof.

NOW  THEREFORE  THIS  AGREEMENT  WITNESSES  that  in consideration of the mutual
covenants  and agreements herein contained and for other good and other valuable
consideration,  the  parties  agree  as  follows:

1.   Employment.

The  Contractor  shall  be employed by the Company in the position of, and shall
perform  the functions of, President and Chief Executive Officer of the Company.

2.   Term.

The term of employment under this Agreement will commence and shall continue for
2 years  until  terminated  as  hereinafter  provided.

3.   Inducement  to  Hiring

In  consideration  of  the  Contractor  agreeing to enter into this Contract the
Company  shall:

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<PAGE>

(a)     issue  to  the  Contractor  1,000,000 shares in the capital stock of the
Company,  said  shares  being  subject  to  restrictions  under  Rule  144;  and

(b)     grant  to the Contractor an option to acquire 1,000,000 common shares of
the  Company at a price of $.50 per share, said option exercisable for a term of
2 years of which 250,000 will be vested each six months following the first date
of  employment.  Such  shares  are  subject  to  "topping  up"  upon any partial
exercise  in accordance with the terms of the option with any subsequent options
granted  to  have  an  exercise price equal to the market price of the Company's
shares  at  the  time  of  such  grants.

4.     Salary.

The  Contractor  shall  receive  a  base  salary  of  $250,000 per annum in U.S.
Dollars,  subject  to  such  annual  increases  as the board of directors of the
Company shall determine, together with such annual bonus of up to $500,000 (TBD)
based  upon  performance  as  shall,  at  the  sole  discretion of the Company's
compensation  committee,  be  awarded.

5.     Termination.

This  Agreement  may  be  terminated  only  as  follows:

(a)     by  the  death  of  the  Contractor;

(b)     by the Company upon six months' written notice if the Contractor becomes
unable  to render or perform duties and responsibilities which the Contractor is
to  discharge  hereunder  by  reason  of  total  or permanent physical or mental
disability;

(c)     by the Contractor upon 30 days' written notice or such shorter period as
may  be  agreed  to  by  the  Company  and  the  Contractor;

(d)     by  the  Company  in the circumstances in which there is no "cause" upon
the  Company  complying  with  the  provisions  of paragraphs 6, 7 and 8 hereof;

(e)     by  the  Contractor in the circumstances and upon the terms described in
paragraph  10  hereof,  whether  or not there has been a "Change of Control", as
defined  in  paragraph  9  hereof.

(f)     If the contractor does not complete the two year term of employment both
the  stock  and  options  granted shall be returned to the Company on a pro-rata
basis,  unless  cause  is  5  (a)  or  (e).
For  clarity,  if  the  Company terminates the employment of the Contractor as a
result of the Contractor's refusal to physically relocate, the termination shall
not  be  for  cause  and  the  provisions  of subparagraph 5(e) will apply.  The
Company shall not dismiss the Contractor pursuant to subparagraphs 5(b), 5(c) or
5(e)  unless  such  dismissal  is  specifically approved by the directors of the
Company.

                                        2
<PAGE>

6.     Severance.

If  the  employment  of  the  Contractor  is  terminated:

(a)     under  subparagraph  5(e),  other than as contemplated under (b), herein
the  Company  shall  pay  to  the  Contractor  the  following lump sum severance
payment:

(i)     in  circumstances  where the Contractor has been employed by the Company
for  more  than two years but less than 3 1/2 years, an amount equal to 9 months
of base salary and monetary benefits together with an amount equal to 3/4 of the
most  recent  annual  bonus  paid  to  the  Contractor;

(ii)     in  circumstances where the Contractor has been employed by the Company
for more than 3 1/2 years but less than 4 years, an amount equal to 12 months of
base  salary  and  monetary  benefits  together with an amount equal to the most
recent  annual  bonus  paid  to  the  Contractor;

(iii)     in circumstances where the Contractor has been employed by the Company
for  more  than  4  years but less than 5 years, an amount equal to 15 months of
base  salary  and monetary benefits together with an amount equal to 1 1/4 times
the  most  recent  annual  bonus  paid  to  the  Contractor;
(iv)     in  circumstances where the Contractor has been employed by the Company
for  more than 5 years, an amount equal to 18 months of base salary and monetary
benefits  together  with  an  amount equal to 1 1/2 times the most recent annual
bonus  paid  to  the  Contractor;

(b)     under  subparagraph  5(e),  as  contemplated under paragraph 9, or under
subparagraph  5(e)  in  circumstances  where a Change of Control (as hereinafter
defined)  occurs  within  120  days  following the Contractor's termination, the
Company  shall promptly pay to the Contractor a lump sum severance payment in an
amount  equal to 18 months of base salary and monetary benefits together with an
amount  equal to 1 1/2 times the most recent annual bonus paid to the Contractor

7.     Benefits.

During  the  term  of this Agreement the Contractor shall receive such executive
benefit  plans and other compensation programs as the Company generally provides
its  other  salaried  executives.  If  the  employment  of  the  Contractor  is
terminated  under  subparagraphs  5(d) or 5(e) the Company shall continue to pay
contributions  to  the Contractor's medical, dental and health plans, pension or
group or individual RRSP plans and insurance, shall maintain executive loans and
continue  to  pay  all  privileges  including  automobile  allowances  and other
benefits generally available to other Contractor executives of the Company for a
period  equal  to the period of severance payments determined in accordance with
paragraph  6  hereof  provided  that,  if the Contractor no longer qualifies for
inclusion  in any medical, dental, health or other benefit plans of the Company,
the

                                        3
<PAGE>

Company  shall  pay  to  the  Contractor  such  amounts as are necessary for the
Contractor  to  arrange  to  obtain such benefits privately for the remainder of
such  period.

8.     Stock  Options.

If  the  employment  of the Contractor is terminated under subparagraphs 5(d) or
5(e)  then  the  term  during  which any option to purchase common shares of the
Company and the term during which any option to purchase common shares any other
corporation,  if  such  option  was granted to the Contractor in relation to the
Contractor's employment with the Company, shall be extended in every case to the
later  of  the  expiry date of such options (collectively the "Options") and the
end  of the period of severance payments determined in accordance with paragraph
6  hereof.  In  addition,  any  provisions  which  restricts the exercise of the
Options  before  a  particular  date  shall  be  waived.  Subject  to  required
regulatory  approvals,  if  the exercise price of any option granted at the same
time  as  any option granted to the Contractor is reduced, the exercise price of
the  option  granted  to  the Contractor shall be reduced to the lowest price at
which  common  shares  of  the  corporation granting the option may be purchased
pursuant  to  any  repriced  option.  The terms of any option agreement shall be
deemed  to  be  amended  to  reflect  the  provisions  of  this  paragraph  8.

9.     Change  of  Control.

If  a  "Change  of  Control" (as hereinafter defined) occurs the Contractor may,
within 180 days of the effective date of the Change in Control, give notice (the
"Termination  Election")  to the Company that he has elected to treat the Change
of  Control  as a termination of this Agreement.  The Company at that time shall
for  all  purposes  be deemed to have terminated this Agreement without cause in
accordance with subparagraph 5(d) hereof and the Contractor shall be entitled to
the  benefit  of  the  provisions  of  paragraphs  6(b),  7 and 8 hereof.  If no
Termination Election is received by the Company within 180 days of the effective
date  of  a Change of Control, the Contractor shall be deemed to have elected to
continue  his  employment  with  the  Company  under the terms of this Agreement
subject  to  the  provisions  of  paragraph  10.  For  the  purposes  of  this
subparagraph  and  subparagraph 5(e) of this Agreement, a "Change of Control" of
the  Company  shall  have  occurred  when:

(a)     any  Person  (as  defined  in  the Securities Act (British Columbia), as
amended  from  time  to  time) or combination of Persons acquires or becomes the
beneficial  owner of, directly or indirectly, whether through the acquisition of
previously  issued  and  outstanding  voting  securities or of voting securities
which  have  not been previously issued, or any combination thereof or any other
transaction  having  a  similar effect, a sufficient number of securities of the
Company  to  affect  materially the control of the Company or 20% or more of the
voting  securities  of  the  Company;

(b)     any  resolution  is  passed  or  any  action or proceeding is taken with
respect  to  the  liquidation,  dissolution  or  winding-up  of  the  Company;

(c)     20%  or  more  of  the  issued  and outstanding voting securities of the
Company  become  subject  to  a  voting  trust;

                                        4
<PAGE>

(d)     the  Company  consolidates or merges with or into, amalgamates or enters
into  a  statutory  arrangement  with  any  other  Person;

(e)     the  Company  sells,  leases or otherwise disposes of property or assets
aggregating  more than 50% of the consolidated assets of the Company measured by
book  or  fair  market  value,  whether  pursuant  to  one or more transactions;

(f)     any  Person not part of existing management of the Company or any Person
not  controlled  by the Company or any affiliate of the Company, enters into any
arrangement  to  provide all or substantially all the management services to the
Company;

(g)     there  shall  be a change in a majority of the board of directors of the
Company  whether  as  a  result  of  a  shareholders  meeting  or as a result of
appointments  made in filling vacancies caused by resignations of members of the
board  of  directors;  or

(h)     the  Company enters into any transaction or arrangement which would have
the same or similar effect as the transactions referred to in (b),(d),(e) or (f)
above.

10.     Material  Changes

Subsequent  to  a Change of Control, the Contractor may by written notice to the
Company  elect to terminate the Contractor's employment and the Contractor shall
be  entitled  to the benefit of the provisions of paragraphs 6(b),7 and 8 hereof
if  there  occurs  within  one  year  of  a Change of Control one or more of the
following  events:

(a)     an  adverse  material  change  in  the  Contractor's  duties  and
responsibilities  such that the Contractor is required to assume duties that are
not  consistent  with  or  relinquish responsibilities that are consistent with,
those  performed  by  the  Contractor  prior  to  the  Change  of  Control;

(b)     an  adverse  material change in the salary or benefits of the Contractor
from  those  received  by  the  Contractor  prior  to  the  Change  of  Control;

(c)     a  diminution  of  the  title of the Contractor as it exists immediately
prior  to  the  Change  in  Control;  or

(d)     a  change  in  the  person  or  body  to  whom  the  Contractor  reports
immediately  prior  to  the  Change  of  Control,  except  if  such person is of
equivalent  rank  or stature or such change is as a result of the resignation or
removal of such persons, provided that this shall not include a change resulting
from  a  promotion  in  the  normal  course  of  business.

11.     Relocation  Expenses.

If  the Contractor moved to California to accept employment with the Company and
if the Contractor has been resident in California for less than 12 months at the
time that the Contractor

                                        5
<PAGE>

becomes entitled to a payment pursuant to paragraphs 6,7 or 8 hereof as a result
of  the  termination or deemed termination of employment under subparagraph 5(d)
or  5(e)  or  paragraph  10,  the Company shall reimburse the Contractor for all
reasonable  expenses incurred in relocating himself and his immediate family and
their  household  effects  back to the location from which the Contractor moved.

12.     Business  Expenses.

The  Contractor  will  be  reimbursed by the Company for all reasonable business
expenses  incurred  by  the  Contractor  in  connection  with  his duties within
previously  approved budgets upon submission of a monthly statement of expenses.

13.     Vacation.

The  Contractor shall be entitled to periods of vacation during the term of this
Agreement  upon  terms  and  conditions  as  established  by the Company (or any
assignee  Company  pursuant to Paragraph 12 hereof) and consistently applied for
its  other  salaried  Contractors.

14.     Disclosure  of  Information.

The Contractor shall not, at any time during the employment of the Contractor by
the  Company  and/or  at  any time thereafter, directly or indirectly, disclose,
communicate,  divulge,  furnish  or make accessible or available, in whole or in
part,  to  any person, firm, company, corporation or other entity, or use in any
fashion,  other  than  in  the  discharge  and  performance  of  the  duties and
responsibilities of the Contractor to the Company, any confidential information,
material  or  matter relating to the business of, or any other trade secrets of,
the  Company  or  any  firm, company, corporation or other entity related to the
Company  (Company's Affiliates") obtained or acquired while in the employ of the
Company.  The  Contractor  and  the  Company hereby specifically acknowledge and
agree  that any information concerning (a) the business, operation or methods of
the  Company  and  the Company's Affiliates, (b) the customers or clients of the
Company  and  the  Company's Affiliates, (c) the past present or future research
done  by  the  Company  and  the Company's affiliates, and (d) any method and/or
procedure relating to or pertaining to projects developed by the Company and the
Company's   Affiliates   or  contemplated  by  the  Company  and  the  Company's
Affiliates,  are  of material importance and significance to the business of the
Company. Accordingly, the Contractor and the Company agree that all of the above
not  readily  available  from  an unrelated third part are to the maximum extent
permitted  by  law  to  be  regarded  as  information  or material which is of a
confidential  nature;  that  trade  secrets  of  the  Company  or  the Company's
Affiliates  shall  be  deemed  to  include  any  and  all  processes, equipment,
machinery, devices, techniques, methods, designs, inventions, materials, formula
and  the  like  (whether patentable or not) used by the Company or the Company's
Affiliates  in  the  conduct  of  its or their business, and all data, know-how,
drawings,  plans, written instructions or other writings, relating or pertaining
thereto  or  to any other aspect of the business of the Company or the Company's
Affiliates,  which  are  not  in  the  "public  domain"  or  not  generally know
throughout  the  industry of which the Company of the Company's Affiliates are a
part;  that  any  and  all such confidential information, material or matter, or
trade secrets, from time to time disclosed, divulged, communicated, furnished or
made  available  to  the  Contractor  is  solely for the purpose of enabling the
Contractor  to  perform  and  discharge  the  duties  and  responsibilities  of

                                        6
<PAGE>

the Contractor to the Company;that no such disclosure, divulgence, communication
or  the  like  shall in any manner whatsoever be deemed or construed to derogate
from  or  affect  any  of the provision set forth herinabove; and that it is the
specific  intent  of  the  Company  and  the Contractor that each and all of the
provision  set  forth  herein shall be valid and enforceable as specifically set
forth  herein.  If  it shall be judicially determined that any of the provisions
set  forth  herein  shall  not be valid or enforceable as specifically set forth
herein,  such  provision  shall  not  be  declared  invalid  but rather shall be
modified  in such manner so as to result in the same being valid and enforceable
to  the  maximum extent permitted by law. In the event of a breach or threatened
breach  by  the Contractor of the provisions of this Paragraph, the Company may,
in  addition  to any other remedies it may have, obtain injunctive relief in any
court  of  appropriate jurisdiction to enforce this Paragraph. The provisions of
this  Paragraph shall survive the expiration or termination, for any reasons, of
this  Agreement  and  shall  be  separately  enforceable.

15      General

(a)     Assignment.

The  rights  and obligations of the Contractor hereunder are not assignable.  If
the  Contractor  has  not  elected  to  terminate the Contractor's employment in
accordance with the terms of this Agreement, this Agreement shall be assigned by
the  Company  to  any  successor corporation of the Company and shall be binding
upon  such  successor  corporation.  The Company shall ensure that the successor
corporation  shall  continue  the provisions of this Agreement as if it were the
original  party in place of the Company; provided however that the Company shall
not  thereby  be  relieved  of any obligation to the Contractor pursuant to this
Agreement.  If  there occurs a Change in Control, the Company shall be obligated
to  ensure  that  the  successor  corporation  honours  this Agreement as if the
Contractor  had  exercised his maximum rights hereunder as of the effective date
of  such  transaction.

     (b)     Entire  Agreement.

This Agreement shall supercede and replace any prior contract of employment that
exists  between the Company or any subsidiary of the Company and the Contractor.

     (c)     Independent  Advice.

This  Agreement  was  prepared by the Company.  The Contractor has been asked to
obtain independent legal advice before signing this Agreement and the Contractor
represents  by signing this Agreement that he has either obtained such advice or
waived  such  advice.

     (d)     Controlling  Law.

The  validity and construction of this Agreement or  any of its provisions shall
be  determined  under  the  laws  of  the  Province  of  British  Columbia.  The
invalidity  or  unenforceability  of  part  or  all  of  any  provisions of this
Agreement  shall  not  affect  or  limit  the validity and enforceability of the
remainder  of  such  provision  and  other  provisions  of  this  Agreement.

     (e)     Counterparts  and  by  Facsimile.

                                        7
<PAGE>

This  Agreement  may  be  executed  in one or more counterparts, any counterpart
delivered  via facsimile shall be deemed an original, and all such counterparts,
taken  together,  shall  constitute  one  and  the  same  instrument.

     (f)     Miscellaneous.

This  Agreement  may  not be changed orally, but only by an agreement in writing
signed  by  the  party  against  whom  enforcement  of  any  waiver,  change,
modification,  extension  or  discharge  is  sought.

     (g)     Headings.

The  headings herein are inserted only as a matter of convenience and reference,
and  in  no  way  define,  limit  or describe the scope of this Agreement or the
intent  of  the  provisions  thereof.

     (h)     Currency.

All  references  to  monetary  amounts  in this Agreement are to lawful money in
Canada.

     (i)     Damages.

All  payments  provided  for  herein  shall be in lieu of other notice or damage
claims as regards the dismissal or termination of employment with the Company or
any  subsidiary  of  the Company of the Contractor after a Change in Control and
the  arrangements  provided  for  herein  shall  be  considered  in any judicial
determination  of appropriate damages at common law for dismissal without cause,
other  than  as  provided  for  in  this  Agreement.

     (j)     Beneficiaries.

In  the  event  that  the  Contractor  dies prior to the satisfaction of all the
obligations  of  the Company under this Agreement, any remaining amounts payable
to  the  Contractor  by  the Company and any rights of the Contractor including,
without limitation, pursuant to the Options, shall be paid to or exerciseable by
the person or persons previously designated by the Contractor to the Company for
such  purposes.  Any such designation of beneficiaries shall be made in writing,
signed  by the Contractor and dated and filed with the Secretary of the Company.
In  the event that no designation is made, all such amounts shall be paid by the
Company  to  the  estate  of  the  Contractor.

     (k)     Further  Assurances.

Each  of  the Company and the Contractor agrees to make, do and execute or cause
to  be  made,  done and executed all such further and other things, acts, deeds,
documents, assignments and assurances as may be necessary or reasonably required
to  carry  out  the  intent and purpose of this Agreement fully and effectually.
Without  limiting  the  generality  of the foregoing, the Company shall take all
reasonable  steps  in order to structure the payment or payments provided for in
this Agreement in the manner most advantageous to the Contractor with respect to
the provisions of the Income Tax Act (Canada) or similar legislation in place in
the  jurisdiction  of  residence  of  the  Contractor.

                                        8
<PAGE>

     (l)     Notices.

Any  election  or designation to be made by the Contractor pursuant to the terms
of  this  Agreement  shall be by notice in writing pursuant to the terms of this
Agreement  shall  be  by  notice  in  writing  addressed to the attention of the
President  of  the  Company and shall be delivered to the Company at its address
above,  or  such  other  address  as  the  Company  may notify the Contractor in
writing.

     (m)     Severability.

Any provision of this Agreement which contravenes any applicable law or which is
found  to  be  unenforceable  shall,  to  the  extent  of  such contravention or
unenforceability,  be  deemed severable and shall not cause this Agreement to be
held  invalid  or  unenforceable  or affect any other provision or provisions of
this  Agreement.

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

                                   E-FINANCIAL  DEPOT.COM,  INC.

/s/  Paul  Lemmon                  By:  /s/  Randy  Doten
     Paul  Lemmon                  Randy  Doten,  Director

/s/  Sue Elliott                   /s/   John  Huguet
                                   John  Huguet,  Pres.  &  CEO

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