Document:

EXHIBIT 10.3

                     [LOGO] AMERIFIRST FUNDING GROUP, INC.

                VIATICAL SETTLEMENT CONTRACT AND ESCROW AGREEMENT
                                     BETWEEN
                         AMERIFIRST FUNDING GROUP, INC.
                                       AND

This AGREEMENT is made and entered into this _____ day of ________ in the year
20___ by and between AmeriFirst Funding Group, Inc. ("Funding Group"),
AmeriFirst Fund I, LLC, ("The Fund") and _____________.

                                   WITNESSETH

WHEREAS, AmeriFirst Funding Group, Inc., desires to purchase from ___________a
certain life insurance policy on the life of ________________ issued by
_______________________________________ (Insurance Co.) with the policy
number_______________ (the "Policy") for the sum of $____________________ (the
"Purchase Price"); and

WHEREAS, the parties desire for Funding Group to hold the funds representing the
Purchase Price in escrow, on the terms and conditions hereinafter set forth;

NOW, THEREFORE in consideration of the mutual covenants and agreements
hereinafter contained, and for other good and valuable consideration, the
receipt and sufficiency of which are hereby acknowledged, the parties do hereby
agree as follows:

1. Simultaneously with the execution of this agreement, Viator shall deliver to
AmeriFirst Funding Group, Inc., its nominees and/or assigns an irrevocable
assignment of the policy in favor of The Fund. Escrow Agent shall hold the
policy and funds representing the Purchase Price in accordance with the terms of
this Agreement.

2. Upon receipt of the assignment of the policy in favor of The Fund, AmeriFirst
Funding Group, Inc. shall forward such assignment to the insurance carrier who
issued the policy, and shall request from such insurance carrier an acceptance
of the assignment of the policy. Upon receipt of such acceptance of assignment,
Funding Group shall authorize the Escrow Agent to deliver the funds,
representing the Purchase Price, to Viator within _______ business days. Failure
to transfer the funds within _______ business days renders the viatical
settlement contract and the transfer, assignment, bequest, or sale voidable.

3. In the event The Fund does not receive an acceptance of Assignment from the
insurance carrier within thirty (30) days after the date of this Agreement,
AmeriFirst

<PAGE>

Funding Group, Inc. shall give written notice of such fact to Viator.
Thereafter, AmeriFirst Funding Group, Inc. shall contact the insurance carrier
and attempt to make arrangements to obtain an acceptance of the assignment of
the policy from the insurance carrier. In the event such acceptance cannot be
obtained within a reasonable time, AmeriFirst Funding Group, Inc. shall
redeliver the Assignment of the Policy in favor of the Viator.

4. The Viator has the unconditional and absolute right to cancel and rescind the
viatical settlement contract at any time prior to the full payment of the
proceeds. Additionally, the Viator may cancel and rescind this contract not
later than ___________________________after full payment of proceeds to the
Viator provided the full amount of the proceeds and any premiums paid by
AmeriFirst Funding Group, Inc. on said policy are returned by the Viator.

5. I, the undersigned, understand and acknowledge that Funding Group has the
unconditional and absolute right to cancel and rescind the Viatical Settlement
Contract at any time prior to the full payment of the proceeds. Additionally, to
the Viator if for any reason Funding Group has reason to believe that the policy
was purchased, issued or sold under fraudulent circumstances or if the insurance
company advises Funding Group that the policy has been rescinded or cancelled
the Viatical Settlement Contract becomes null and void. Upon notification that
the policy is being rescinded or cancelled by the insurance company, or the
Viatical Settlement Contract becomes null and void the Viator must provide the
full amount of any proceeds and premiums paid by Funding Group to Funding Group
within thirty (30) days.

6. By entering into a viatical settlement contract all of the right, title,
interest and benefit in and to the viator's life insurance policy, including all
supplementary contracts and riders attached thereto, will become the property of
the Fund. The premium payments on the viator's life insurance policy will no
longer be the responsibility of the viator. If this is not acceptable to the
viator, it is the viator's responsibility to provide a statement, in writing,
with the return of this document package stating that the rights to these riders
shall be reserved by the viator. Arrangements will be made with the insurance
company to preserve the viator's interest in said riders. If the arrangements
are not satisfactory to both the viator and the viatical settlement company, the
ownership of the policy shall not be transferred to the Fund and the viatical
settlement contract will be rendered null and void.

7. The Viator should be aware that all inquiries about the Viator's health will
be made by 21st Holdings, LLC. 21st is in the business of tracking Viator
status. Tracking services will include:

      1.    Quarterly calls to the Viator's physician to obtain statements about
            the Viator's health.

      2.    Situations where Viator does not frequently visit the physician
            sometimes occur, in these instances 21st will contact the Viator's
            personal references

<PAGE>

8. In performing its duties hereunder, Escrow Agent shall not incur any
liability to AmeriFirst Funding Group, Inc. or to Viator for any damages, losses
or expenses which either party may sustain or incur, unless the same is a direct
result of the negligence or intentional misconduct of Escrow Agent. Escrow Agent
shall be protected in any action taken or omitted in good faith upon the advice
of its legal counsel given with respect to the duties and responsibilities of
Escrow Agent hereunder. Escrow Agent shall be entitled to rely on any document
or instrument, including any written notice or instruction provided for in this
Agreement, which Escrow Agent in good faith believes to be genuine or to have
been signed or presented by a proper person or persons in accordance with this
Agreement. AmeriFirst Funding Group, Inc. and Viator hereby agree to indemnify
and hold harmless Escrow Agent from and against all losses, claims, damages,
liabilities and expenses which it may sustain or incur hereunder, including,
without limitation reasonable attorneys fees, which may be imposed upon Escrow
Agent or incurred by Escrow Agent in connection with the performance of its
duties hereunder.

9. Any notice required or permitted to be given hereunder shall be in writing
and shall be deemed to have been duly given if sent by certified mail, return
receipt requested, postage prepaid, addressed as follows:

         If to Viator:

         If to AmeriFirst Funding Group, Inc.:   AmeriFirst Funding Group, Inc.
                                                 1712 H Osborne Rd
                                                 St. Marys, GA 31558

         If to Escrow Agent:                     SouthTrust Bank
                                                 Corporate Trust Department
                                                 110 Office Park Drive, 2nd Fl
                                                 Birmingham, Alabama 35223
                                                 Attn: Rebecca Brayman
                                                 205-254-5334 - Direct
                                                 205-254-4180
                                                 Fax

Any notice mailed as provided herein shall be deemed received by the party to
whom it is addressed on the date of receipt, or on the first date of attempted
delivery in the case of any notice which is undeliverable by the U.S. Post
Office. The foregoing shall not preclude any other method of giving notice.

10. This Agreement represents the entire agreement between the parties with
respect to the subject matter hereof, and may not be modified or amended except
by a written instrument signed by all of the parties hereunto. This Agreement
shall be binding upon and shall inure to the benefit of the parties hereunto and
their respective heirs, successors

<PAGE>

and assigns. This Agreement has been made and entered into in the State of
Georgia and shall be construed and enforced in accordance with Georgia Law.
Venue for any litigation from this agreement or its enforcement shall be in
Camden county Georgia. This Agreement may be executed in any number of
counterparts, each of which shall constitute an original.

In witness whereof, the parties have executed and delivered this Agreement on
the day and in the year above written:

VIATOR:                                      By:______________________________
                                                Insured

AMERIFIRST FUNDING  GROUP, INC.              By:______________________________

ESCROW AGENT:                                By:______________________________Exhibit 10.4

                               SUBLEASE AGREEMENT

      THIS SUBLEASE AGREEMENT ("Agreement"), effective the 4th day of September,
2002, by and between Life Settlements Service Corp., a Florida Foreign
corporation ("Life Settlements"), and Amerifirst Capital Corp., a Delaware
corporation ("SUBLESSEE").

                                   WITNESSETH:

      WHEREAS, Veranda I Partners, Ltd., a Florida limited partnership ("Veranda
I"), as Lessor and Life Settlements, as Prime Sublessee have entered into that
certain SubLease Agreement dated June 1, 2002 ("Prime SubLease"), a complete and
correct copy of which is attached hereto as Exhibit "A", for the premises
described therein and located at 814 North Highway A1A, Suite 300, Ponte Vedra
Beach, Florida 32082 ("Premises"); and

      WHEREAS, Life Settlements desires to subLease space designated as Suite
307, which consists of approximately 7,349 s.f. to SUBLESSEE ("Subleased
Premises") and

      WHEREAS, in order to obtain Veranda I's consent to this subletting to
SUBLESSEE of the SubLeased Premises, Veranda I has required that this Agreement
be entered into to set forth the relative obligations of SUBLESSEE and Life
Settlements and to ensure that SUBLESSEE's rights under this SubLease are
subordinate and inferior to the rights of Life Settlements under the Prime
SubLease.

      NOW, THEREFORE, in consideration of the foregoing and in consideration for
obtaining Veranda I's consent to this SubLease between Life Settlements and
SUBLESSEE, and for other good and valuable considerations, the receipt and legal
sufficiency of which are hereby acknowledged, Life Settlements and SUBLESSEE do
hereby agree as follows:

      1.    This SubLease is expressly made subject to and inferior to the Prime
            SubLease, and SUBLESSEE's rights shall under no circumstances be
            greater than those rights granted to Life Settlements as tenant
            under the Prime SubLease. Notwithstanding the foregoing, SUBLESSEE
            shall comply with all of the terms of the Prime SubLease that are to
            be observed or performed by Life Settlements as tenant under the
            Prime SubLease, as such terms apply to the SubLeased Premises. In no
            event shall SUBLESSEE have the right to exercise any renewal options
            under the Prime SubLease or to terminate the Prime SubLease.

      2.    The term of this SubLease shall be for a period of 18 months,
            commencing on September 4, 2002 and terminating on February 28,
            2004. Should this SubLease terminate or expire prior to the
            expiration of the Prime SubLease, Life Settlements shall continue to
            perform all of its obligations under the Prime SubLease with respect
            to the Premises including, without limitation, the SubLeased
            Premises.

      3.    SUBLESSEE shall pay directly to Veranda I on or before the due date
            the lease amount stated in Exhibit "B" attached hereto. All other
            sums due under the Prime

<PAGE>

            SubLease for late payments or returned checks and any additional
            charges incurred for the SubLeased Premises resulting from
            SUBLESSEE's failure to make timely lease payments shall be paid for
            by SUBLESSEE directly to Veranda I.

      4.    SUBLESSEE shall not, by any act or omission, cause Life Settlements
            to be in violation of or in default under the Prime SubLease. Should
            SUBLESSEE cause Life Settlements to be in default under the Prime
            SubLease and such default is not cured by SUBLESSEE within the cure
            period. if any, stated in the Prime SubLease, Life Settlements must
            cure said default with Veranda I on behalf of SUBLESSEE. Life
            Settlements may then, at their option, exercise all remedies against
            any said default caused by SUBLESSEE available to them at law or in
            equity including, without limitation, the institution of legal
            proceedings as provided in Paragraph 20 of the Prime Lease to the
            Prime SubLease.

      5.    SUBLESSEE hereby agrees to hold Life Settlements harmless from
            liability under the Prime SubLease as provided in Paragraph 8 of the
            PrimeLease to the Prime SubLease as if Life Settlements were the
            original landlord under the Prime SubLease.

      6.    SUBLESSEE shall maintain all insurance policies required of Life
            Settlements under the Prime SubLease for its SubLeased Premises.

      7.    Should Life Settlements default on the Prime SubLease, SUBLESSEE
            shall continue to be bound by the SubLease and shall continue to
            comply with all of the provisions and obligations of the Prime
            SubLease in relation to said SubLeased Premises as if SUBLESSEE were
            the original Lessee in the Prime SubLease until the termination date
            of this SubLease as stated above in Paragraph 2.

      8.    Nothing contained herein shall be construed to amend Paragraph 11 of
            the Prime Lease to the Prime SubLease and Paragraph 11 shall
            continue to be applicable to the Prime SubLease and SubLease after
            the execution hereof. Further, SUBLESSEE shall have no right to
            assign this SubLease or to sublet the SubLeased Premises.

      9.    All notices regarding this SubLease shall be in writing to the
            address of record of Life Settlements, SUBLESSEE and Veranda I as
            shown below and shall be given by depositing the same in the United
            States mail, postpaid and certified and addressed to the party to be
            notified, with return receipt requested. All such notices to Veranda
            I shall be delivered in duplicate to the designated party stated
            below.

                                       2
<PAGE>

            Lessor                             Sublessee
            Veranda I Partners, Ltd            Amerifirst Capital Corp.
            818 North Highway A1A, Suite 300   814 North Highway A1A, Suite 300
            Ponte Vedra Beach, FL 32082        Ponte Vedra Beach, FL 32082
            Attn: Dawn Solfa

            Veranda notices in duplicate to:   Life Settlements Service Corp.
            Veranda I Partners, Ltd.           c/o Chris White
            818 North Highway A1A, Suite 300   814 North Highway A1A
            Ponte Vedra Beach, FL 32082        Suite 305
            Attn: Tom Brownfield               Ponte Vedra Beach, FL 32082

This Agreement is executed by LIFE SETTLEMENTS, SUBLESSEE and Veranda I as of
the date first stated above.

Witnesses as to Life Settlements:       Life Settlements Service Corp.
                                        A Florida Foreign Corporation

_________________________________

_________________________________       By: /s/ Randy Stelk
(Printed Name)                              ---------------------------
                                        Its:     President
                                            ---------------------------

_________________________________

_________________________________
(Printed Name)

Witnesses as to Sublessee:              SUBLESSEE:
                                        Amerifirst Capital Corp.
_________________________________       A Delaware Corporation

_________________________________       By: /s/ John Tooke
(Printed Name)                              ---------------------------

                                        Its:     President
                                            ---------------------------

_________________________________

_________________________________
(Printed Name)

                                       3
<PAGE>

Witnesses as to Lessor:                 LESSOR:
                                        Veranda I Partners, LLC, a Florida
_________________________________       Limited Liability Corporation

_________________________________       By: /s/ Donis P. Horne
(Printed Name)                              ---------------------------

                                        Its: President of Veranda I Partners,
_________________________________            LLC
                                             A Florida Limited Liability Company
_________________________________            The Sole General Partner
(Printed Name)

State of ______________
County of _____________

The foregoing Lease was acknowledged and sworn to before me this ___ day of
_____________, 2002, by __________________, (name and title of officer) of
______________________. He/she is personally known to me or has produced
________________________ as identification and did/did not take an oath.

_____________________________
Notary Public

_____________________________
Print Name

_____________________________
Commission Number

_____________________________
My Commission Expires

                                       4

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