Document:

Exhibit 10.12

                          AMENDMENT TO OPTION AGREEMENT

THIS AMENDMENT TO OPTION AGREEMENT is made and entered into this 3rd day of
June, 2002, by and between ELAMS MILL PARTNERS, LLC, a Georgia limited liability
company (hereinafter called "Landlord"), and GENERATIONS BANCSHARES, INC., a
Georgia corporation (hereinafter called "Tenant"), for and in consideration of
the promises herein contained;

                              W I T N E S S E T H:

WHEREAS, Landlord and Tenant have previously entered into that certain Option
Agreement dated October 1, 2001 and being modified by no separate amendments
(the "Option Agreement") covering that certain real property of Landlord located
in or near the City of Blairsville, County of Union, State of Georgia containing
approximately one and eight-one hundreds (1.08) acres (the "Property"); and

WHEREAS, Landlord and Tenant do now desire to modify and amend the Option
Agreement as specifically set forth herein.

NOW, THEREFORE, for and in consideration of Ten Dollars ($10.00) and other good
and valuable considerations, the receipt and legal sufficiency of which is
hereby acknowledged, the parties agree that the Option Agreement is hereby
modified and amended as follows:

1.   Section 1, Option to Lease, shall be deleted in its entirety and the
following shall be inserted in lieu thereof:

     1.   Option to Lease.
          ---------------

          (a)  For a period of one-hundred twenty (120) days from October 1,
               2001 (the "Option Period"), Landlord grants to Tenant the
               exclusive right and option (the "Option") to lease the Property.
               Tenant shall have the right to extend the Option for Three (3)
               additional thirty (30) day periods by written notice to Landlord
               on or before the expiration of the initial Option Period and ally
               subsequent renewal period and payment of an additional $3,000.00
               to Landlord for each thirty-day period (the "Extension Fee").

               Tenant shall have the right to extend the Option for seven
               additional 30-day periods starting with the end of the 3rd 30-day
               extension period. The extension fees for the additional seven
               periods are as follows:

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               Period                            Extension  Fee
               ------                            --------------
               April 30th - May 29th                 $20,000.00
               May 30th - June 29th                   $3,500.00
               June 30th - July 29th                  $3,500.00
               July 30th - August 28th                $3,500.00
               August 29th -  September 27th          $3,500.00
               September 28th - October 27th          $3,500.00
               October 28th - November 26th           $3,500.00

          (b)  Tenant shall have the right to exercise the Option by written
               notice to Landlord on or before the expiration of the Option
               Period, as the same may be extended. Tenant must provide an
               executed and recordable copy of Exhibit "B-1" with it's written
               notice of exercise of the Option. Such notice shall not be given
               before Tenant has completed the sale of its public stock
               offering. If Tenant fails to give such written notice prior to
               the expiration of the Option Period, as the same may be extended,
               the Option shall expire and be of no further force and effect and
               Landlord shall be entitled to retain all Option Fees and
               Extension Fees.

2.   Exhibit "B" to the Option shall deleted in its entirety and. the attached
Exhibit  "B-1"  shall  be  inserted  in  lieu  thereof.

All other terms and conditions of the Option Agreement shall remain in full
force and effect and unchanged, except as specifically set forth herein.

                                        2
<PAGE>
IN WITNESS WHEREOF, the parties hereto have entered into this Amendment
to Option Agreement as of the day and year first above written.

     LANDLORD:
     ELAMS MILL PARTNERS, LLC, a Georgia limited liability company

     By: /s/ Gary Leedham
        ------------------
     Name: Gary Leedham
     Its: Managing Member

     TENANT:
     GENERATIONS BANCSHARES, INC., a Georgia corporation

     By: /s/ David K. George
        ----------------------
     Name: David K. George
     Its: President

                                        3
<PAGE>
                                  Exhibit B-1

Exhibit B-1 may be found at Exhibit 10.2.

                                        4
<PAGE>Exhibit 4.1

                              CONSULTING AGREEMENT

     This Consulting Agreement (the "Consulting Agreement") made as of June 5,
2002, by and between Peter Benz, located at 25 Longview Court, Hillsborough, CA
94010 ("Consultant") and Kaire Holdings Incorporated with offices at 1429 South
Robertson Blvd., Los Angeles, CA 90035 (the "Company").

                                   WITNESSETH

     WHEREAS, the Company requires and will continue to require consulting
services relating management, strategic planning and marketing in connection
with its business; and

     WHEREAS, Consultant can provide the Company with strategic planning and
marketing consulting services and is desirous of performing such services for
the Company; and

     WHEREAS, the Company wishes to induce Consultant to provide these
consulting services to the Company,

     NOW, THEREFORE,  in consideration of the mutual covenants hereinafter
stated, it is agreed as follows:

     1.     APPOINTMENT.
            -----------

     The Company hereby engages Consultant and Consultant agrees to render
services to the Company as a consultant upon the terms and conditions
hereinafter set forth.

     2.     TERM.
            ----

     The term of this Consulting Agreement began as of the date of this
Agreement, and shall terminate on March 19, 2003, unless earlier terminated in
accordance with paragraph 8 herein or extended as agreed to between the parties.

     3.     SERVICES.
            --------

     During the term of this Agreement, Consultant shall provide advice to
undertake for and consult with the Company concerning management, marketing,
consulting, strategic planning, corporate organization and structure, financial
matters in connection with the operation of the businesses of the Company,
expansion of services, acquisitions and business opportunities, and shall review
and advise the Company regarding its overall progress, needs and condition.
Consultant agrees to provide on a timely basis the following enumerated services
plus any additional services contemplated thereby:

          (a)     The implementation of short-range and long-term strategic
          planning to fully develop and enhance the Company's assets, resources,
          products and services;

          (b)     The implementation of a marketing program to enable the
          Company to broaden the markets for its services and promote the image
          of the Company and its products and services;

          (c)     Advise the Company relative to the recruitment and employment
          of key executives consistent with the expansion of operations of the
          Company;

<PAGE>
          (d)     The identification, evaluation, structuring, negotiating and
          closing of joint ventures, strategic alliances, business acquisitions
          and advice with regard to the ongoing managing and operating of such
          acquisitions upon consummation thereof; and

          (e)     Assist in restructuring the Company pursuant to the recent
          sale of the long term care business.

     4.     DUTIES OF THE COMPANY.
            ---------------------

     The Company shall provide Consultant, on a regular and timely basis, with
all approved data and information about it, its subsidiaries, its management,
its products and services and its operations as shall be reasonably requested by
Consultant, and shall advise Consultant of any facts which would affect the
accuracy of any data and information previously supplied pursuant to this
paragraph.  The Company shall promptly supply Consultant with full and complete
copies of all financial reports, all fillings with all federal and state
securities agencies; with full and complete copies of all stockholder reports;
with all data and information supplied by any financial analyst, and with all
brochures or other sales materials relating to its products or services.

          COMPENSATION.
          ------------

     The Company will immediately grant Consultant the option to purchase
25,000,000 shares of the Company's Common Stock with an exercise price at $.0012
per share, which option shall expire on June 5, 2003 at 5:00 P.M. P.S.T.  The
number of shares herein are subject to the anti-dilution provisions of the
corresponding warrant which is being issued in conjunction with this Agreement.
Consultant in providing the foregoing services, shall not be responsible for any
out-of-pocket costs, including, without limitation, travel, lodging, telephone,
postage and Federal Express charges.

     6.     REPRESENTATION AND INDEMNIFICATION.
            ----------------------------------

     The Company shall be deemed to have been made a continuing representation
of the accuracy of any and all facts, material information and data which it
supplies to Consultant and acknowledges its awareness that Consultant will rely
on such continuing representation in disseminating such information and
otherwise performing its advisory functions.  Consultant in the absence of
notice in writing from the Company, will rely on the continuing accuracy of
material, information and data supplied by the Company.  Consultant represents
that he has knowledge of and is experienced in providing the aforementioned
services.

     7.     MISCELLANEOUS.
            -------------

     Termination:     This Agreement may be terminated by either Party upon
     -----------
written notice to the other Party for any reason which shall be effective five
(5) business days from the date of such notice.  This Agreement shall be
terminated immediately upon written notice for material breach of this
Agreement.

     Modification:     This Consulting Agreement sets forth the entire
     ------------
understanding of the Parties with respect to the subject matter hereof. This
Consulting Agreement may be amended only in writing signed by both Parties.

     Notices:     Any notice required or permitted to be given hereunder shall
     -------
be in writing and shall be mailed or otherwise delivered in person or by
facsimile transmission at the address of such Party set forth above or to such
other address or facsimile telephone number as the Party shall have furnished in
writing to the other Party.

     Waiver:     Any waiver by either Party of a breach of any provision of this
     ------
Consulting Agreement shall not operate as or be construed to be a waiver of any
other breach of that provision or of any breach of any other provision of this
Consulting Agreement.  The failure of a Party to insist upon strict adherence to
any term of this Consulting Agreement on one or more occasions will not be
considered a waiver or deprive

<PAGE>
that Party of the right thereafter to insist upon adherence to that term of any
other term of this Consulting Agreement.

     Assignment:     The Options under this Agreement are assignable at the
     ----------
discretion of the Consultant.

     Severability:     If any provision of this Consulting Agreement is invalid,
     ------------
illegal, or unenforceable, the balance of this Consulting Agreement shall remain
in effect, and if any provision is inapplicable to any person or circumstance,
it shall nevertheless remain applicable to all other persons and circumstances.

     Disagreements:  Any dispute or other disagreement arising from or out of
     -------------
this Consulting Agreement shall be submitted to arbitration under the rules of
the American Arbitration Association and the decision of the arbiter(s) shall be
enforceable in any court having jurisdiction thereof.  Arbitration shall occur
only in Los Angeles, CA.  The interpretation and the enforcement of this
Agreement shall be governed by California Law as applied to residents of the
State of California relating to contracts executed in and to be performed solely
within the State of California.  In the event any dispute is arbitrated, the
prevailing Party (as determined by the arbiter(s)) shall be entitled to recover
that Party's reasonable attorney's fees incurred (as determined by the
arbiter(s)).

     IN WITNESS WHEREOF, this Consulting Agreement has been executed by the
Parties as of the date first above written.

Kaire Holdings Incorporated                         CONSULTANT

/s/ Steven Westlund                                 /s/ Peter Benz
-------------------------                           ------------------------
Steven Westlund                                     Peter Benz
Chief Executive Officer

<PAGE>

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