Document:

DOMAIN NAME AND WEBSITE PURCHASE AGREEMENT

THIS  AGREEMENT  is  made  as  of  the  9th  day  of  June,  2000.

BETWEEN:

          DAN KOVATCH  INSURANCE,  a proprietorship  having a principal place of
          business at 8936 South  Sepulveda  Blvd.,  Suite 202, Los Angeles,  CA
          90045 (the "Vendor")

AND:

          E-FINANCIAL DEPOT.COM, INC., a Delaware corporation having a principal
          place of business at Suite 1005 - 750 West Pender  Street,  Vancouver,
          British Columbia V6C 2T8

(the  "Purchaser")

WHEREAS:

A.     The  Vendor has adopted, used and registered with Network Solutions, Inc.
("NSI")  the  domain  name  eznowinsurance.com  (the  "Domain  Name");

B.     The  Vendor  owns  the website located at www.eznowinsurance.com, as more
particularly  described  in  Schedule  "A"  hereto  (the  "Website"), including,
without  limitation,  all related software, images, files and other content; and

C.     The  Vendor desires to sell, and the Purchaser desires to buy, all of the
Vendor's  right,  title  and  interest in and to the Domain Name and the Website
(collectively,  the  "Assets");  and

D.     The  parties wish to enter into this Agreement to define their respective
rights  and  obligations  with  respect  to  the  purchase  of the Assets by the
Purchaser  from  the  Vendor.

NOW THEREFORE, in consideration of the Purchase Price (defined herein) and other
good  and  valuable  consideration  now paid by the Purchaser to the Vendor, the
receipt  and  sufficiency  of  which  is  hereby acknowledged by the Vendor, the
parties  hereto  agree  as  follows:

1.          The  Vendor  hereby  irrevocably  agrees  to  grant,  bargain, sell,
assign, transfer, and set over unto the Purchaser, or its assigns, all worldwide
right,  title,  and interest of the Vendor in the Assets as of June __9___, 2000
(the  "Closing  Date").

2.          The  Purchaser  will, on the Closing Date, pay to the Vendor the sum
of  $150,000 (the "Purchase Price"), payable by issuance of 50,000 common shares
in  the  capital  of  the Purchaser (the "Shares"), said Shares to be restricted
under  Rule 144 as promulgated under the Securities Act of 1933, as amended (the
"Act").

3.          On  the  Closing  Date,  the  Vendor  will  forthwith deliver to the
Purchaser  the  source  code  versions of all software programs that operate and
comprise  the  Website.

<PAGE>
4.        Vendor  acknowledges  that:

     (a)  none of the Shares  have been  registered  under the Act, or under any
          state securities or "blue sky" laws of any state of the United States,
          and,  unless so  registered,  may not be offered or sold in the United
          States or, directly or indirectly,  to U.S.  Persons,  as that term is
          defined in  Regulation  S under the Act  ("Regulation  S"),  except in
          accordance  with  the  provisions  of  Regulation  S,  pursuant  to an
          effective  registration  statement  under the Act,  or  pursuant to an
          exemption from, or in a transaction  not subject to, the  registration
          requirements of the Act;

     (b)  it  understands  and agrees that the Purchaser will refuse to register
          any transfer of the Shares not made in accordance  with the provisions
          of Regulation S, pursuant to an effective registration statement under
          the  Act  or  pursuant  to  an  available  exemption  from,  or  in  a
          transaction not subject to, the registration requirements of the Act;

     (c)  it  understands  and  agrees  that  a  legend  may  be  placed  on the
          certificates  representing  any of the Shares to the  effect  that the
          Shares  represented by such  certificates are restricted from transfer
          as otherwise detailed herein;

     (d)  that the Purchaser has not undertaken, and will have no obligation, to
          register any of the Shares under the Act;

     (e)  the decision to execute this  Agreement  and acquire the Shares agreed
          to be acquired  hereunder  has not been based upon any oral or written
          representation  as to fact or  otherwise  made by or on  behalf of the
          Purchaser and such decision is based entirely upon a review of the any
          public  information  which has been  filed by the  Purchaser  with the
          Securities and Exchange Commission ("SEC") in compliance,  or intended
          compliance,  with applicable securities legislation.  If the Purchaser
          has presented a business plan to the Vendor,  the Vendor  acknowledges
          that the business plan may not be achieved or be achievable;

     (f)  it has been advised to consult its own legal,  tax and other  advisors
          with  respect to the merits and risks of an  investment  in the Shares
          and with respect to applicable  resale  restrictions  and it is solely
          responsible  (and the  Purchaser  is not in any way  responsible)  for
          compliance with applicable resale restrictions;

     (g)  none  of  the  Shares  are  listed  on  any  stock   exchange  and  no
          representation has been made to the Vendor that any of the Shares will
          become listed on any stock  exchange,  except that  currently  certain
          market makers make market in the common shares of the Purchaser on the
          Over-the-counter Bulletin Board;

     (h)  neither  the  SEC nor  any  other  securities  commission  or  similar
          regulatory  authority  has  reviewed  or passed  on the  merits of the
          Shares;

     (i)  it is  acquiring  the Shares as  principal  for its own  account,  for
          investment  purposes  only,  and not with a view to,  or for,  resale,
          distribution or fractionalization thereof, in whole or in part, and no
          other  person has a direct or  indirect  beneficial  interest  in such
          Shares;

<PAGE>
     (j)  no documents in connection with the sale of the Shares  hereunder have
          been reviewed by the SEC or any state securities administrators;

     (k)  there is no government or other insurance covering any of the Shares;

     (l)  the  issuance  and  sale  of the  Shares  to the  Vendor  will  not be
          completed  if it would be  unlawful  or if, in the  discretion  of the
          Purchaser  acting  reasonably,  it is not in the best interests of the
          Purchaser; and

     (m)  in this  Agreement,  the term "U.S.  Person"  shall  have the  meaning
          ascribed thereto in Regulation S.

5.        Vendor  warrants  and  represents  that:

     (a)  it is a U.S. Person;

     (b)  this  Agreement has been duly executed and delivered by the Vendor and
          constitutes a valid and binding  obligation of the Vendor  enforceable
          against it in accordance with its terms;

     (c)  it is acquiring the Shares for its own account for investment purposes
          only  and  not  for  the  account  of any  other  person  and  not for
          distribution,  assignment or resale to others, and no other person has
          a direct or  indirect  beneficial  interest  is such  Shares,  and the
          Vendor has not  subdivided  his  interest in the Shares with any other
          person;

     (d)  the Vendor is aware that an investment in the Purchaser is speculative
          and  involves  certain  risks,  including  the  possible  loss  of the
          investment;

     (e)  the Vendor (i) has adequate  net worth and means of providing  for its
          current financial needs and possible personal contingencies,  (ii) has
          no need for  liquidity in this  investment,  and (iii) is able to bear
          the economic  risksof an  investment  in the Shares for an  indefinite
          period of time and can afford the complete loss of such investment;

     (f)  the Vendor has made an independent examination and investigation of an
          investment  in the Shares and the  Purchaser  and has  depended on the
          advice  of its  legal  and  financial  advisors  and  agrees  that the
          Purchaser  will  not be  responsible  in  anyway  whatsoever  for  the
          Vendor's decision to invest in the Shares and the Purchaser;

     (g)  it has  the  requisite  knowledge  and  experience  in  financial  and
          business  matters as to be capable of evaluating  the merits and risks
          of the  investment in the Shares and the Purchaser and it is providing
          evidence of such knowledge and experience in these matters through the
          information requested in the Questionnaire;

<PAGE>
     (h)  all information  which the Vendor has provided to the Purchaser in the
          Questionnaire is correct and complete as of the date the Questionnaire
          is  signed;   and  agrees  that  if  any  of  such   acknowledgements,
          representations  and  agreements  are no longer  accurate or have been
          breached, it shall promptly notify the Purchaser;

     (i)  no person has made to the Vendor any written or oral representations:

          (i)  that any person will resell or repurchase any of the Shares;

          (ii) that any person  will refund the  acquisition  of price of any of
               the Shares; or

          (iii) as to the future price or value of any of the Shares;

     (j)  the Vendor has the  authority to transfer the Assets to the  Purchaser
          on the terms set out herein;

     (k)  the  Assets are free and clear of all  liens,  charges,  encumbrances,
          claims, and demands of every nature and kind whatsoever;

     (l)  the Vendor's  use of the Domain Name and its  operation of the Website
          has not  violated  the  intellectual  property or other  rights of any
          third party;

     (m)  the Vendor has not received any notice of a third party threatening or
          invoking  any  trade-mark,  copyright,  patent,  trade secret or other
          intellectual  property  infringement  proceedings or the ICANN Uniform
          Domain Name  Dispute  Resolution  Policy in relation to the Website or
          the  Domain  name and is not ware of any  circumstances  that may give
          rise to any such proceedings;

     (n)  the  Vendor  properly  registered  the  Domain  Name with NSI  without
          committing fraud or misrepresentation;

     (o)  the Vendor's account with NSI is up to date and paid in full as of the
          Closing Date and the Vendor is not in breach of any agreement with NSI
          relating to the Domain Name registration;

     (p)  the Vendor has not used the Domain Name for any illegal purpose;

     (q)  the  Vendor  is the  exclusive  owner  or a  licensed  user of all the
          software,  content and other works  operating  on or  contained in the
          Website,  including the Website's  layout,  and other visual  elements
          that constitute the "look and feel" of the Website;

     (r)  the Vendor is entitled to modify the Website  without  restriction and
          has obtained for valuable consideration an enforceable waiver of moral
          rights from the author or authors of all materials  created for and/or
          incorporated into the Website;

<PAGE>
     (s)  there are no third party  trade-marks that are used in an unauthorized
          or  infringing  manner on the Website and the Website does not contain
          any unauthorized links to third party websites;

     (t)  the  Website  does not  contain  any  references  to any  third  party
          trade-marks  or trade names in its metatag  file,  nor has the metatag
          file for the Website been copied from the contents of the metatag file
          of another website; and

     (u)  the hosting and maintenance agreements with respect to the Website are
          assignable and in good standing.

6.        The Vendor hereby covenants and agrees to and with the Purchaser that:

     (a)  the  Purchaser  is  entitled  to  rely  on  the   representations  and
          warranties and the  statements and answers of the Vendor  contained in
          this Agreement and the  Questionnaire,  if and as applicable,  and the
          Vendor will hold harmless the Purchaser  from any loss or damage it or
          they may  suffer  as a result of the  Vendor's  failure  to  correctly
          complete this Agreement or the Questionnaire;

     (b)  it  will   indemnify  and  hold  harmless  the  Purchaser  and,  where
          applicable, their respective directors,  officers,  employees, agents,
          advisors  and  shareholders   from  and  against  any  and  all  loss,
          liability,  claim, damage and expense whatsoever  (including,  but not
          limited to, any and all fees, costs and expenses whatsoever reasonably
          incurred in  investigating,  preparing or defending against any claim,
          lawsuit,  administrative proceeding or investigation whether commenced
          or  threatened)  arising  out of or based upon any  representation  or
          warranty of the Vendor contained  herein or in any document  furnished
          by the Vendor to the Purchaser in connection  herewith being untrue in
          any material  respect or any breach or failure by the Vendor to comply
          with any covenant or agreement  made by the Vendor to the Purchaser in
          connection therewith;

     (c)  up to the Closing Date, the Vendor will:

          (i)  preserve, protect and maintain the Website in its ordinary course
               of business and in compliance with all applicable laws;

          (ii) not suffer or permit any  encumbrance  to attach to or affect the
               Assets; and

          (iii)not  enter   into  any   transaction   which   could   cause  any
               representation  or warranty of the Vendor  contained herein to be
               incorrect or  constitute a breach of any covenant or agreement of
               the Vendor contained herein;

     (d)  the Vendor will  indemnify and save  harmless the  Purchaser  from and
          against all liens, charges, encumbrances,  claims and demands (and the
          Purchaser  may,  but will not be bound to, pay and satisfy same as the
          Purchaser  deems  fit)  and  from  and  against  all  actions,  suits,
          proceedings,  assessments,  judgements, penalties, costs, and expenses
          (including  the full  amount of any  legal  expenses  invoiced  to the
          Purchaser)  which arise or are made or claimed  against or suffered or
          incurred by the Purchaser in connection with the Assets and all monies
          expended by the  Purchaser  in so paying or  satisfying  or  defending
          against same;

<PAGE>
     (e)  if any use of the Assets by the  Purchaser  is held to  constitute  an
          infringement of a third party's rights,  and such use by the Purchaser
          is enjoined,  the Vendor will,  at its expense,  use its  commercially
          reasonable  efforts to procure the right for the  Purchaser to use the
          Assets without  infringing such third party's rights and will promptly
          take  or  cause  to be  taken  all  other  actions  requested  by  the
          Purchaser,  including  modifying or replacing the infringing  items so
          that they are  non-infringing  so that the  Purchaser  may continue to
          carry on its business with a minimum of delay or  inconvenience to the
          Purchaser;

     (f)  the Vendor will cooperate  with NSI and the Purchaser,  and follow the
          Purchaser's  instructions,  in order to effectuate the transfer of the
          Domain Name  registration  in a timely  manner.  Specifically,  Vendor
          agrees to prepare,  have  notarized  and  transmit the  necessary  NSI
          Registrant Name Change  Agreement  attached as Schedule "B" hereto and
          correspond  with NSI to  authorize  transfer  of the  Domain  Name and
          facilitate   the  filing  and   processing  of  all  forms  and  other
          formalities  necessary  to  complete  the  transfer of the Domain Name
          registration;

     (g)  the  Vendor  will  cause  the  current  Administrative  and  Technical
          Contracts for the Domain Name  registration to execute and deliver all
          necessary  documents  to effect  the  change of such  contacts  to the
          Administrative and Technical contacts designated by the Purchaser;

     (h)  the Vendor will from time to time and at all times  hereafter upon the
          reasonable  request  of  the  Purchaser,  but at  the  expense  of the
          Purchaser,  make,  do,  and  execute,  or cause or procure to be made,
          done,  and executed all such further acts,  deeds,  and  assurances to
          give  effect to the  transfer  of the Assets to the  Purchaser  in the
          manner herein  provided in  accordance  with the intent and meaning of
          this Agreement as may be reasonably required by the Purchaser;

     (i)  the  Vendor  will not  register  a domain  name which is similar to or
          confusing with the Domain Name,  including,  without limitation,  with
          any other generic or geographic top level domain name; and

     (j)  the Vendor will not operate a website which competes with the Website,
          either as an investor, consultant, employee or in any other capacity.

7.          The  Vendor  acknowledges  that  the  representations and warranties
contained herein are made by it with the intention that such representations and
warranties  may  be  relied  upon  by  the  Purchaser and their legal counsel in
determining  the  Vendor's  eligibility  to purchase the Shares under applicable
securities  legislation,  or  (if applicable) the eligibility of others on whose
behalf  it  is  contracting  hereunder  to  purchase the Shares under applicable
securities legislation.  The Vendor further agrees that by accepting delivery of
the  certificates  representing  the  Shares  on  the  Closing  Date, it will be
representing  and  warranting  that the representations and warranties contained
herein  are  true  and  correct  as  at the Closing Date with the same force and
effect  as if they had been made by the Vendor on the Closing Date and that they
will  survive  the  purchase  by  the Vendor of Shares and will continue in full
force  and  effect  notwithstanding  any subsequent disposition by the Vendor of
such  Shares.

<PAGE>
8.          This  Agreement,  including  without limitation the representations,
warranties  and  covenants  contained herein, shall survive and continue in full
force  and  effect  and  be  binding upon the parties hereto notwithstanding the
completion  of  the  acquisition  of  the  Shares by the Vendor pursuant hereto.

9.          This  Agreement  is  not  transferable  or  assignable.

10.          The  invalidity  or unenforceability of any particular provision of
this  Subscription  Agreement  shall  not  affect  or  limit  the  validity  or
enforceability  of  the  remaining  provisions  of  this Subscription Agreement.

11.          It  is  hereby expressly agreed between the parties hereto that all
grants,  covenants,  provisos,  agreements,  rights,  powers,  privileges,  and
liabilities  contained  in  this  Agreement will be read and held as made by and
with,  granted  to  and  imposed  upon, the respective parties hereto, and their
respective  heirs,  executors,  and  administrators.

12.          Except  as  expressly  provided  in  this  Agreement  and  in  the
agreements, instruments and other documents contemplated or provided for herein,
this Agreement contains the entire agreement between the parties with respect to
the sale of the Assets and acquisition of the Shares by the Vendor and there are
no  other  terms,  conditions, representations or warranties, whether expressed,
implied,  oral  or  written,  by  statute  or common law, by the Purchaser or by
anyone  else.

13.          This  Agreement is governed by the internal substantive laws of the
State  of  Delaware  and the parties submit to the jurisdiction of the Courts in
the  State  of  Delaware.  If  any  provision  of  this Agreement is found to be
invalid  by  any  court  having  competent  jurisdiction, the invalidity of such
provision  shall  not  affect  the  validity of the remaining provisions of this
Agreement,  which  shall remain in full force and effect.  No waiver of any term
of this Agreement shall be deemed a further or continuing waiver of such term or
any  other  term.  This  Agreement  constitutes the entire agreement between the
Vendor  and  Purchaser  with  respect  to this transaction.  Any changes to this
Agreement  must  be  made  in writing, signed by an authorized representative of
both  parties.

14.          This  Agreement may be executed in any number of counterparts, each
of  which,  when so executed and delivered, shall constitute an original and all
of  which  together  shall  constitute  one  instrument.

<PAGE>
15.          The  Purchaser  shall  be entitled to rely on delivery by facsimile
machine of an executed copy of this Subscription Agreement and acceptance by the
Purchaser  of  such  facsimile copy shall be equally effective to create a valid
and  binding  agreement  between the Vendor and the Purchaser in accordance with
the  terms  hereof.

IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be executed
this  _____  day  of  June,  2000.

DAN  KOVATCH  INSURANCE

Per:     /s/  Dan  Kovatch
         -----------------
        Authorized  Signatory

E-FINANCIAL  DEPOT.COM,  INC.

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

<PAGE>
                                  SCHEDULE "A"
                             DESCRIPTION OF WEBSITE

URL:     www.eznowinsurance.com

IP  Address:

Files:     [list  or  attach  diskette(s)  with  all  software  directory files]

<PAGE>
                                  Schedule "B"

     Form of Network Solutions "Registrant Name Change Agreement, Version 3.0
                                   Transfers"

<PAGE>
                                  Schedule "C"

                        ACCREDITED INVESTOR QUESTIONNAIRE
                        ---------------------------------

All  capitalized  terms  herein,  unless  otherwise  defined,  have the meanings
ascribed  thereto  in  the  Domain  Name  and  Website  Purchase  Agreement.
This  Questionnaire  is for use by each potential shareholder who is a US person
(as  that  term  is  defined Regulation S of the United States Securities Act of
1933  (the "1933 Act")) and has indicated an interest in purchasing or otherwise
acquiring Shares of e-Financial Depot.com, Inc. (the "Company").  The purpose of
this Questionnaire is to assure the Company that each potential shareholder will
meet  the  standards  imposed  by the 1933 Act and the appropriate exemptions of
applicable  state  securities  laws.  The  Company  will rely on the information
contained  in  this  Questionnaire  for the purposes of such determination.  The
Shares  will not be registered under the 1933 Act in reliance upon the exemption
from  registration afforded by Section 3(b) and/or Section 4(2) and Regulation D
of  the  1933  Act.  This  Questionnaire  is not an offer of Shares or any other
securities  of the Company in any state other than those specifically authorized
by  the  Company.

All information contained in this Questionnaire will be treated as confidential.
However, by signing and returning this Questionnaire, each potential shareholder
agrees  that,  if necessary, this Questionnaire may be presented to such parties
as  the  Company deems appropriate to establish the availability, under the 1933
Act  or  applicable  state  securities  law,  of  exemption from registration in
connection  with  the  sale  of  the  Shares  hereunder.

The  Vendor  covenants,  represents  and  warrants  to  the  Company  that:

1.     it  is  not  aware  of  any advertisement of any of the Shares and is not
acquiring  the Shares as a result of any form of general solicitation or general
advertising  including advertisements, articles, notices or other communications
published in any newspaper, magazine or similar media or broadcast over radio or
television,  or  any  seminar  or  meeting  whose attendees have been invited by
general  solicitation  or  general  advertising;  and

2.     it  satisfies one or more of the categories of "Accredited Investors", as
defined  by  Regulation  D  promulgated  under the 1933 Act, as indicated below:
(Please initial in the space provide those categories, if any, of an "Accredited
Investor"  which  the  Subscriber  satisfies)

    ___ Category 1  An organization described in Section 501(c)(3) of the United
                    States Internal Revenue Code, a corporation, a Massachusetts
                    or similar business trust or partnership, not formed for the
                    specific purpose of acquiring the Shares,  with total assets
                    in excess of US $5,000,000;

    ___ Category 2  A natural person whose  individual  net worth,  or joint net
                    worth with that  person's  spouse,  on the date of  purchase
                    exceeds US $1,000,000;

<PAGE>
    ___ Category 3  A natural  person who had an individual  income in excess of
                    US $200,000  in each of the two most  recent  years or joint
                    income with that person's spouse in excess of US $300,000 in
                    each of those  years  and has a  reasonable  expectation  of
                    reaching the same income level in the current year;

    ___ Category 4  A "bank" as defined under Section  (3)(a)(2) of the 1933 Act
                    or savings  and loan  association  or other  institution  as
                    defined in Section  3(a)(5)(A) of the 1933 Act acting in its
                    individual or fiduciary capacity; a broker dealer registered
                    pursuant  to Section 15 of the  Securities  Exchange  Act of
                    1934 (United  States);  an  insurance  company as defined in
                    Section  2(13)  of  the  1933  Act;  an  investment  company
                    registered under the Investment  Company Act of 1940 (United
                    States)  or a  business  development  company  as defined in
                    Section  2(a)(48) of such Act; a Small  Business  Investment
                    Company  licensed by the U.S. Small Business  Administration
                    under Section 301(c) or (d) of the Small Business Investment
                    Act of 1958  (United  States);  a plan with total  assets in
                    excess of $5,000,000  established and maintained by a state,
                    a   political   subdivision   thereof,   or  an   agency  or
                    instrumentality  of  a  state  or  a  political  subdivision
                    thereof,  for the  benefit  of its  employees;  an  employee
                    benefit plan within the meaning of the  Employee  Retirement
                    Income Security Act of 1974 (United States) whose investment
                    decisions  are  made  by a plan  fiduciary,  as  defined  in
                    Section 3(21) of such Act,  which is either a bank,  savings
                    and  loan  association,   insurance  company  or  registered
                    investment  adviser,  or if the  employee  benefit  plan has
                    total assets in excess of $5,000,000, or, if a self-directed
                    plan, whose investment  decisions are made solely by persons
                    that are accredited investors;

    ___ Category 5  A private business development company as defined in Section
                    202(a)(22)  of the  Investment  Advisers Act of 1940 (United
                    States);

    ___ Category 6  A director or executive officer of the Company;

    ___ Category 7  A trust  with  total  assets in excess  of  $5,000,000,  not
                    formed for the  specific  purpose of  acquiring  the Shares,
                    whose  purchase  is directed  by a  sophisticated  person as
                    described in Rule 506(b)(2)(ii) under the 1933 Act;

    ___ Category 8  An entity  in which all of the  equity  owners  satisfy  the
                    requirements of one or more of the foregoing categories;

<PAGE>
     Note  that  prospective  shareholders  claiming to satisfy one of the above
categories  of  Accredited Investor may be required to supply the Company with a
balance  sheet,  prior  years'  federal  income tax returns or other appropriate
documentation  to  verify and substantiate the potential shareholder's status as
an  Accredited  Investor.

If  the  potential  shareholder  is  an  entity  which  initialled Category 8 in
reliance upon the Accredited Investor categories above, state the name, address,
total  personal  income from all sources for the previous calendar year, and the
net  worth  (exclusive  of  home, home furnishings and personal automobiles) for
each  equity  owner  of  the  said  entity:

                 ---------------------------------------------------------------
                 -----------------

                 ---------------------------------------------------------------
                 -----------------

The Vendor hereby certifies that the information contained in this Questionnaire
is  complete and accurate and the Vendor will notify the Company promptly of any
change  in  any  such  information.

IN  WITNESS  WHEREOF,  the undersigned has executed this Questionnaire as of the
day  of  June,  2000.

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

------------------------------------
Print  or  Type  Name

------------------------------------
Social  Security/Tax  I.D.  No.

<PAGE>EMPLOYMENT CONTRACT
                               -------------------

THIS  is  made  as  of  9th  day  of  June,  2000.

BETWEEN:

                    FDPO INSURANCE (USA), INC., a corporation incorporated under
                    the  laws of  Delaware  and  having  a  principal  place  of
                    business at Suite 1005 - 750 West Pender Street,  Vancouver,
                    British Columbia, V6C 2T8

                    (hereinafter referred to as the "Corporation")

                                                               OF THE FIRST PART

AND:

                    DAN KOVATCH, of 8939 S. Sepulveda Boulevard,  Suite 262, Los
                    Angeles, CA 90045

                    (hereinafter referred to as the "Executive")

                                                              OF THE SECOND PART

          WHEREAS the Executive and the Corporation wish to record the terms and
conditions  upon  which  the  Executive  will  be  employed  by the Corporation;

          NOW  THEREFORE  THIS  AGREEMENT WITNESSES that in consideration of the
mutual  covenants  contained  herein, and other good and valuable consideration,
the  receipt  and sufficiency of which is hereby acknowledged, the parties agree
as  follows:

                                    ARTICLE 1
                               GENERAL DEFINITIONS

1.1     As  used in this Agreement, the following words shall have the following
meanings  respectively:

     (a)  "Base Salary" has the meaning ascribed thereto in Section 4.1 hereof;

     (b)  "Board of Directors" means the Board of Directors of the Corporation;

     (c)  "Business"  means any business  venture  involving or being  concerned
          with the placing of insurance;

     (d)  "Cause" has occurred if:

<PAGE>
          (i)  the Executive  fails to  substantially  perform his duties to the
               Corporation after thirty (30) days notice of such failure;

          (ii) the Executive engages in serious  misconduct in the course of his
               duties  which  is  injurious  to  the  Corporation  or any of its
               subsidiaries or affiliates;

          (iii)the  Executive  is  convicted  with  respect  to  a  crime  which
               constitutes a felony offence;

          (iv) in  carrying  out his  duties  hereunder,  the  Executive  (i) is
               wilfully or grossly  negligent,  or (ii) commits wilful and gross
               misconduct  or,  (iii)  fails to comply  with an  instruction  or
               directive  from the  Board of  Directors  and  which is not cured
               within fifteen (15) days;

          (v)  the  Executive  breaches a material  term of this  Agreement  and
               which is not cured within fifteen (15) days;

          (vi) the  Executive  becomes  bankrupt  or a  receiving  order (or any
               analogous  order under any  applicable  law) is made  against the
               Executive  or in  the  event  the  Executive  makes  any  general
               disposition or assignment for the benefit of his creditors;

          (vii)the  Executive  is  diagnosed  as  being   afflicted  by  chronic
               alcoholism or drug addiction; or

          (viii) the occurring of any other circumstance which would entitle the
               Corporation at law to terminate the Executive's  services without
               notice or payment in lieu of notice;

     (e)  "Commissions" means the commissions payable under Section 4.2 herein.

     (f)  "Effective Date" means the effective date of this agreement, being the
          date first above written;

     (g)  "Parent" means "e-Financial Depot.com, Inc.";

     (h)  "person" means an individual body corporate, corporation, partnership,
          syndicate  or  other  form  of  unincorporated   association,   trust,
          government  and its  agencies  or  instrumentalities,  entity or group
          whether  or not  having  legal  personality  and any of the  foregoing
          acting in any derivative, representative or fiduciary capacity;

     (i)  "Term" has the meaning ascribed thereto in Section 3.1 hereof;

     (j)  "Termination  Payment"  has the  meaning  ascribed  thereto in Section
          5.1(b) hereof; and

<PAGE>
     (k)  "Total  Monthly  Compensation"  during  any year of the Term means one
          twelfth of the sum of the Base  Salary for such year plus one  twelfth
          of the  Commissions  paid to the  Executive in respect of the previous
          calendar year.

                                    ARTICLE 2
                                    SERVICES

2.1          ENGAGEMENT.  The  Corporation  hereby  engages  the  Executive  as
General  Manager of the Corporation.  During the Term the Executive will perform
the  duties  normally associated with the office of General Manager president in
accordance  with  the  terms and conditions contained in this Agreement, and the
Executive  hereby  agrees  to  perform  such  services.

2.2          In  the  performance of his duties, the Executive shall comply with
applicable  corporate legislation and the Corporation's constating documents and
provide  to  the  Corporation  his services on a full-time basis.  The Executive
shall  faithfully  serve the Corporation and use his best efforts to promote the
interests  of  the  Corporation  during  the  Term  of  this  Agreement.

2.3          REPORTING.  The  Executive  shall  comply  with  all  lawful  and
reasonable orders given to him by, and shall supply such information and reports
as  from  time to time may be requested of him, to the Board of Directors or any
person  or  committee  designated  by  the  Board  of  Directors.

                                    ARTICLE 3
                                TERM OF AGREEMENT

3.1          TERM.  The  term  of  this Agreement (the "Term") shall commence on
the  Effective  Date  and shall continue thereafter until terminated as provided
herein.

                                    ARTICLE 4
                            REMUNERATION AND BENEFITS

4.1          BASE  SALARY.  For  services  rendered  by the Executive during the
Term, the Executive shall be paid a salary, payable in equal monthly instalments
at  the  end  of  each  month, at an annual rate of $60,000 (the "Base Salary").

4.2          COMMISSION.  In  addition to the Base Salary the Executive shall be
entitled  to  have  control  and direction over 20% of the commissions earned on
insurance  placed by the Corporation in the United States in any one month, said
Commissions  payable  within  15 days of the end of such month to be paid to the
Executive  and  the  salespersons  of the Corporation in such proportions as the
Executive,  in  his  sole  discretion  shall  determine,  provided  that,  in
circumstances  where the Commissions earned are equal to or greater than 150% of
the  Base  Salary,  as  calculated  monthly,  for  three consecutive months, the
Executive's  entitlement  hereunder  to  the  Base  Salary  shall cease and then
Commissions  shall  form  the  sole  source  of  the  Executive's  compensation
hereunder.

<PAGE>
4.3          TAXES,  ETC.  All payments made to the Executive in connection with
his  services  hereunder shall be subject to, without limitation, all applicable
income and withholding taxes, if any, and other applicable deductions and taxes.
If  for  any reason any amount required to be withheld is not at the Executive's
request  so  withheld,  the  Executive  agrees  to  reimburse  and indemnify the
Corporation  for  any  taxes,  penalties  or  costs  arising  therefrom.

4.4          STOCK  OPTIONS.  The Executive shall be permitted to participate in
a  stock  option  plan  established  by  the  Parent  for  its senior employees.

4.5          OTHER BENEFITS.  The Executive shall be permitted to participate in
any  non-salary  benefit  plans  provided by the Corporation for its executives.

4.6          REIMBURSEMENT  OF  REASONABLE  EXPENSES.   The  Executive  will  be
reimbursed  for  all  reasonable expenses incurred by him in connection with the
conduct  of  the business of the Corporation.  Such expenses shall be reimbursed
within  thirty  (30)  days following presentation of sufficient evidence of such
expenditures,  provided  that  the expenditures are consistent with the policies
and  directives  of  the  Board  of  Directors  from  time  to  time.

4.7          VACATION AND HOLIDAYS.  The Executive shall be entitled to a number
of  days  paid vacation during each year of the Executive's employment hereunder
as  is agreed from time to time between the Executive and the Corporation.  Such
vacation  shall  be  utilized  by  the Executive at such time or times as do not
materially  interfere with the ongoing conduct of the Corporation's business and
operations.

                                    ARTICLE 5
                            TERMINATION OF EMPLOYMENT

5.1          TERMINATION  WITHOUT  CAUSE.  The  Corporation shall be entitled to
terminate  the  Executive's  employment  at  any  time  without  Cause  by:

     (a)  giving the Executive twelve (12) months notice; or

     (b)  paying the Executive a lump sum amount equal to twelve times the Total
          Monthly  Compensation  in  respect of the  calendar  year in which the
          termination occurs (the "Termination Payment").

5.2          CONSEQUENCES  OF  TERMINATION  WITHOUT  CAUSE.  In  the  event  of
termination  of  the  Executive's  employment  hereunder  without  Cause:

     (a)  the   Executive   shall  be   immediately   relieved  of  all  of  his
          responsibilities and authorities as an officer,  director and employee
          of  the  Corporation   and,  if  applicable,   of  the   Corporation's
          subsidiaries  and affiliates,  effective as of the date of termination
          of the Executive's employment fixed by the Corporation;

     (b)  subject  as  hereinafter  provided,  for a period of thirty  (30) days
          following  the   termination  of  the  Executive's   employment,   the
          Corporation  shall  continue  benefits  to the  Executive  and/or  the
          Executive's  family under  benefit plans equal to any which would have
          been provided to the Executive and them if the Executive's  employment
          had not terminated; and

<PAGE>
     (c)  subject to any required regulatory and shareholder  approvals,  all of
          the  stock  options  granted  to  the  Executive  by  the  Parent  and
          outstanding on the date of termination of the  Executive's  employment
          shall be governed by the terms of the applicable  stock option plan(s)
          and stock option agreement(s).

5.3          TERMINATION  FOR  CAUSE.  The  Corporation  shall  be  entitled  to
terminate  the  Executive's  employment at any time for Cause without notice and
without  any  payment  in  lieu of notice.  In the event of a termination of the
Executive's  employment for Cause, the Corporation's obligations hereunder shall
immediately  cease and terminate and the Executive shall be immediately relieved
of  all  of  his  responsibilities  and  authorities as an officer, director and
employee of the Corporation and, if applicable, its subsidiaries and affiliates,
and  in  such  an  event  there  will  be  no  continued  salary payments by the
Corporation  to the Executive and any rights and benefits of the Executive under
any  employee  benefit  plans  and  programs of the Corporation will immediately
terminate  in  accordance  with  the  terms  of  such  plans  and  programs.

5.4          EFFECTIVE  DATE  OF  TERMINATION  FOR  CAUSE.  Termination  of  the
Executive's  employment for Cause shall be effective upon the date of the notice
of  termination  given  to  the  Executive  and the lapse of any applicable cure
period  without  remedy  of  the  matters  set  out  in  such  notice.

5.5          DISABILITY,  ETC.  The  Executive's  employment  shall  terminate
automatically  upon  written  notice  from  the  Corporation in the event of the
Executive's  absence  or inability to render the services required hereunder due
to  disability, illness, incapacity or otherwise for an aggregate of one hundred
eighty (180) days during any twelve (12) month period of the Term.  In the event
of any such absence or inability, the Executive shall be entitled to receive the
compensation  provided  for  herein  for  the  first  ninety  (90) days thereof,
whereafter the Executive shall only be entitled to receive such compensation, if
any,  as  may  be  determined  by  the  Board  of  Directors.

5.6          DEATH.  In  the event of the death of the Executive during the Term
of this Agreement, the Executive's salary will be paid to the Executive's spouse
through  the end of the third month following the month in which the Executive's
death occurs.  Rights and benefits of the Executive under employee benefit plans
and  programs of the Corporation will be determined in accordance with the terms
and  conditions  of  any  such  plans  and  programs.

5.7          OTHER POSITIONS.  Upon termination of his employment for any reason
whatsoever,  the  Executive  shall, at the request of the Corporation, forthwith
execute  any and all documents appropriate to evidence resignations from all his
positions  with  the  Corporation  and  its  subsidiaries  and  affiliates.  The
Executive  shall not be entitled to any payments in respect of such resignations
in  addition  to  those  provided  herein.

5.8          TAXES,  ETC.  All  payments  made to the Executive pursuant to this
Article  5  shall  be  subject to, without limitation, all applicable income and
withholding  taxes,  if  any,  and  other  applicable  deductions  and  taxes.

<PAGE>
5.9          RELEASE.  The  Executive agrees that the Termination Payment by the
Corporation  as  provided  in  this  Article, as applicable, shall be a full and
final  settlement  of  any  and  all manner of actions, causes of action, suits,
claims  and demands whatsoever which he has or may have against the Corporation,
its  affiliates or subsidiaries, and any of their directors, officers, employees
and  their  successors  and  assigns  with  respect  to  his  employment.

5.10          CONFIDENTIALITY  OF  SETTLEMENT.  The  Executive  agrees  that any
settlement  pursuant  to  this  Article shall remain confidential as between the
Executive and the Corporation and shall not be disclosed by the Executive to any
person,  corporation, group or organization whatsoever with the exception of the
Executive  and  his  legal  and  financial  advisors.

                                    ARTICLE 6
                            CONFIDENTIAL INFORMATION

6.1          CONFIDENTIAL  INFORMATION.  The Executive hereby agrees to maintain
in  confidence  and  not  to  disclose  to  any  person,  corporation,  group or
organization  whatsoever,  during  the  Term  and  after  his  termination,  any
information  respecting  the  business affairs, prospects, operations, strategic
plans,  data  and  trade secrets respecting the Corporation or its affiliates or
subsidiaries  or  any other confidential information gained in the course of the
services  provided under this Agreement or otherwise, and not otherwise publicly
available  or  disclosed.

                                    ARTICLE 7
                  NON-COMPETING AND NON-SOLICITATION COVENANTS

7.1          NON-COMPETITION.  Notwithstanding  termination  of  this Agreement,
whether or not for cause, the Executive shall not engage in any line of business
similar  to  the  Business  or  engage  in  employment  for  any person, firm or
corporation  engaged  in  the  Business  in the same or similar line of business
within  the  United  States  for  a  period  of  one  (1)  year from the time of
termination of this agreement, except as specifically approved in writing by the
Corporation  in  advance  of  such  activities.

7.2          NON-SOLICITATION.  For a period of three (3) years from the time of
termination of this agreement, the Executive shall refrain from interfering with
the  employment arrangements between the Corporation or any of its affiliates or
subsidiaries and their employees and will not in any way solicit, recruit, hire,
assist  others in recruiting or hiring, or discuss employment with any employees
of  the  Corporation  of any of its affiliates or subsidiaries and shall refrain
from  soliciting,  contracting  with, making presentations to or otherwise being
concerned  with  the  customers  of  the Corporation or any of its affiliates or
subsidiaries.

                                    ARTICLE 8
                            MISCELLANEOUS PROVISIONS

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

8.2          AMENDMENT  AND WAIVER.  No amendment, modification or waiver of any
provision  of this Agreement or consent to any departure by the parties from any
provision  of  this Agreement is effective unless it is in writing and signed by
the parties and then the amendment, modification, waiver or consent is effective
only  in  the  specific  instance  and  for the specific purpose for which it is
given.

<PAGE>
8.3          FURTHER  ASSURANCES.  The  Executive  and the Corporation shall do,
execute, acknowledge and deliver or cause to be done, executed, acknowledged and
delivered  such  further  acts  and documents as shall be reasonably required to
accomplish  the  intention  of  this  Agreement.

8.4          APPLICABLE  LAW  AND  JURISDICTION.  This  Agreement and all of the
rights  and  obligations  arising  herefrom  shall be interpreted and applied in
accordance  with  the  laws  of  Delaware  and the courts of Delaware shall have
exclusive  jurisdiction to determine all disputes relating to this Agreement and
all  of  the  rights  and  obligations  created  hereby.  The  Executive and the
Corporation  hereby  irrevocably  attorn  to  the  jurisdiction of the courts of
Delaware.

8.5          PROHIBITIVE  PROVISIONS.  In  the  event  that any provision or any
part  of any provision hereof is deemed to be invalid by reason of the operation
of  any  law  or by reason of the interpretation placed thereon by a court, this
Agreement  shall  be  construed as not containing such provision or part of such
provision and the invalidity of such provision or such part shall not affect the
validity  of any other provision or the remainder of such provision hereof.  All
other  provisions  hereof  which  are otherwise lawful and valid shall remain in
full  force  and  effect.

8.6          NOTICE  PROVISIONS.

     (a)  Except as otherwise expressly provided herein, all notices shall be in
          writing and either delivered  personally or by registered or certified
          mail, telegram or telecopier.  In the case of the Corporation,  notice
          shall be  delivered  to the  Chairman of the Board of Directors at the
          Parent's head office.  In the case of the  Executive,  notice shall be
          delivered to the most current  residence  address of the  Executive on
          file with the Corporation.

     (b)  Any notice  which is  delivered  personally  shall be  effective  when
          delivered  and any notice which  delivered by  telecopier  or telegram
          shall be effective on the business day following the day of sending;

     (c)  Any notice  given by  telecopier  or  telegram  shall  immediately  be
          confirmed by registered or certified mail.

8.7          ENTIRE  AGREEMENT.  This Agreement constitutes the entire agreement
between  the  parties  as  to  the matters dealt with herein.  There are not and
shall  not  be any oral statements, representations, warranties, undertakings or
agreements  between  the parties.  This Agreement may not be amended or modified
in  any  respect  except  in  accordance  with  Section  8.2  herein.

8.8          BINDING  EFFECT.  This  Agreement  and  all of its provisions shall
enure  to  the  benefit  of  and be binding upon the parties, the successors and
assigns of the Corporation and the heirs, executors and personal representatives
of  the  Executive.

<PAGE>
8.9          ASSIGNMENT.  This  Agreement  may  not  be assigned by either party
without  the  prior consent in writing of the other, except that the Corporation
may  assign  this  Agreement  without such consent to any of its subsidiaries or
affiliates  provided  that  it  agrees  to guarantee such assignee's obligations
hereunder.

     IN  WITNESS  WHEREOF  the  parties  hereto have caused this Agreement to be
executed  and  delivered  as  of  the  date  first  above  written.

FDPO  INSURANCE  (USA),  INC.
------------------------------

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

SIGNED, SEALED and DELIVERED by     )
DAN KOVATCH in the presence of:     )
                                    )
/s/ Leona M. Odatey                 )
--------------------------------    )
Signature                           )
Leona M. Odatey                     )  /s/ Dan Kovatch
--------------------------------    )   ---------------------------------
Print Name                          )  DAN KOVATCH
8923 So. Sepuloeda Blvd             )
--------------------------------    )
Address                             )
Los Angeles, CA  90045              )
--------------------------------    )
                                    )
Notary Public                       )
--------------------------------    )
Occupation                          )

<PAGE>

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