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                                                                    EXHIBIT 10.2

                               INVESTOR RELATIONS
                              CONSULTING AGREEMENT

         This Consulting Agreement (the "AGREEMENT") is made and entered into
         this 20th Day of January, 2000 (the effective date) between ACCESS1
         FINANCIAL (the Consultant), whose principal place of business is 2224
         Main St., Santa Monica, Ca 90405, and America's Senior Financial
         Services, Inc, 15544 N.W. 77th Court, Miami Lakes, FL 33014.

                                    WHEREAS:

The Consultant is willing and capable of providing on a "BEST EFFORTS" basis,
various consulting services. The Client desires to retain the Consultant for a
period of twelve months (12) from the effective date as a non-exclusive,
Independent Contractor based upon the following terms and conditions. The
Consultant shall provide services including financial public relations for and
on behalf of the client in relation to interactions with broker-dealers,
shareholders and members of the public. This may also include certain fund
raising efforts as requested by Client of the Consultant. In consideration of
the mutual promises and agreements hereinafter set forth, the receipt and
sufficiency of which are hereby acknowledged, the parties herein agree as
follows:

CONSULTING SERVICES. The Client hereby retains the Consultant as an independent
consultant to the Client and the Consultant hereby accepts and agrees to such
retention. This Agreement constitutes and embodies the entire understanding and
agreement of the parties and supersedes and replaces all prior understandings,
agreements and negotiations between the parties. The Consultant shall render to
the Client such services of an advisory or consultative nature in order to act
as the Investor Relations arm of the Client.

(1)  DISCLOSURE OF INFORMATION. The Consultant recognizes and acknowledges that
     it will have access to certain confidential information of the Client and
     its affiliates that are valuable and unique assets or property of the
     Client and its affiliates. The Consultant will not, during or after the
     term of this agreement, disclose, without the prior consent or
     authorization of the Client, any of such information to any person, except
     to authorized representatives of the Consultant its affiliates for any
     reason or purpose whatsoever. The Client agrees that such authorization may
     be conditioned upon the disclosure being made pursuant to a secrecy
     agreement, protective order, rule, regulation or procedure under which the
     confidentiality of the information is maintained in the hands of the person
     to whom the information is to be disclosed or in compliance with the terms
     of a judicial order or administrative process, It is the intention of the
     parties that the Consultant will gather all publicly available information
     relating to the Client and confer with officers and directors of the Client
     in an effort to consolidate the information obtained in summary form for
     the dissemination to interested parties.

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(2)  TIME, PLACE AND MANNER OF PERFORMANCE. It is intended that the Consultant
     will provide research on the Company and distribute the Company's story to
     institutions, portfolio managers, broker dealers, and retail clients and
     other persons whom the Consultant determines in its sole discretion, are
     capable of effectively disseminating such information to the general
     public. The Consultant will also advise the Client concerning investor
     relations and promotional matters relating to the Client and its business
     and will showcase the Company on various web sites periodically during the
     course of the contract. Consultant will act upon the Client's behalf in the
     investment community, with existing shareholders, and the public. It is
     expressly agreed and acknowledged that the Consultant will not be expected
     to provide any investment advice or recommendations regarding the client to
     anyone. The Consultant will focus on contacting persons, generally through
     conventional communications in order to familiarize them with information
     concerning the Client. Additionally, the Consultant shall be available for
     advice and counsel to the officers and directors of the Client at such
     reasonable and convenient times and places as may be mutually agreed upon.
     Except as aforesaid, the time, place and manner of performance of the
     services hereunder, including the amount of time to be allocated by the
     Consultant to any specific service, shall be determined in the sole
     discretion of the Consultant. In addition to the above, the consultant
     agrees that the consulting contract shall also include these work products:

         Company information distributed to consultant's network via phone,
         e-mail, regular mail, and/or fax on a regular basis of no less than
         once every 60 days;

         Creation and distribution of report on company to consultant's network
         of market makers, broker-dealers, and stock brokers;

         Monitor the Internet chat rooms and bulletin boards for comments about
         the company, and respond if appropriate;

         Our Analysts will cover the company's performance and business plan
         execution;

         As needed, assist with inbound shareholder relations.

(3)  WORK PRODUCT. It is agreed that, prior to public distribution, all
     information and materials produced for the Client shall be the sole and
     exclusive property of the Consultant. All copyright and title to said work
     shall be the property of the Consultant free and clear of all claims
     thereto by the Client, and the Client shall retain no claim of authorship
     therein.

(4)  NATURE OF RELATIONSHIP. It is understood and acknowledged by the parties
     that the Consultant is being retained by the Client in an independent,
     non-exclusive capacity and that, in this connection, the Consultant hereby
     agrees, except as provided in paragraph (4) herein above or unless the
     Client shall have otherwise consented in writing, not to enter into any
     agreement or incur any obligation on behalf of the client.

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(5)  CONFLICT OF INTEREST. The Consultant shall be free to perform services for
     other persons. The Consultant will notify the Company of its performance of
     consulting services for any other person that could conflict with its
     obligation under this agreement. Upon receiving such notice, the Client may
     terminate this agreement or consent to the Consultants outside consulting
     activities; failure to terminate this agreement shall constitute the
     Client's on going consent to the Consultant's outside consulting
     activities.

(6)  INDEMNIFICATION FOR SECURITIES LAW VIOLATIONS. The Client agrees to
     indemnify and hold harmless the Consultant against any losses, claims,
     damages, liabilities and/ or expenses (including any legal or other
     expenses reasonably incurred in investigating or defending any action or
     claim in respect thereof) to which the Consultant may become subject under
     the Securities Act of 1993, as amended, or the Securities Exchange Act of
     1934, as amended, because of the actions of the Client or its agents
     excepting, the consultant who shall not be indemnified for action of
     himself, his agents or assigns that may result in any action or claims to
     which the client or the consultant may become subject under the Securities
     Act of 1933, as amended and the Securities Exchange Act of 1934, as
     amended.

(7)  NOTICES. Any notices required to be given under this Agreement shall be
     sufficient. If in writing and delivered or sent registered or certified
     mail to the principal office of each party.

(8)  WAIVER OF BREACH. Any waiver by the Consultant of a breach of any provision
     of this Agreement by the Client shall not operate or be construed as a
     waiver of any subsequent breach by the Client.

(9)  WAIVER AND MODIFICATION. Any waiver, alteration or modification of any of
     the provisions of this Agreement shall be made in writing and signed by the
     parties hereto. Each party may waive any of its rights herein without
     effecting a waiver with respect to any subsequent occurrences or
     transactions.

(10) APPLICABLE LAW. It is the intention of the parties hereto that this
     Agreement and the performance hereunder and all suits and special
     proceedings hereunder be construed in accordance with and pursuant to the
     laws of the state of Nevada and that any action or any proceeding that may
     be brought arising out of, in connection with or by reason of this
     Agreement, the laws of the state of Nevada applicable and shall govern to
     the exclusion of law of any other forum, without regard to the jurisdiction
     in which any action or special proceeding may be instituted.

(11) SEVERABILITY. This Agreement may be dissolved at any time by the expressed
     consent of both parties. In the event any part of this agreement shall be
     held to be invalid by any competent court or arbitration panel, this
     Agreement shall be interpreted as if only that part is invalid and that the
     parties to this Agreement will continue to execute the rest of this
     Agreement to the best of their abilities unless both parties mutually
     consent to the dissolution of this Agreement.

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(12) COUNTERPARTS. This Agreement may be executed in counter parts, each of
     which shall be deemed an original but both of which taken together shall
     constitute the same document.

(13) COMPENSATION: The Client agrees to use reasonable best efforts to register,
     issue and deliver in 50,000 shares of America's Senior Financial Services,
     Inc. in the name of Mark Bergman within one-hundred and twenty (120) days
     from the time of contract execution. The shares represent all of the
     compensation due hereunder and some of the value of the shares will be
     applied to printing, media distribution, web listing, etc.

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

/s/ Mark Bergman        1/20/00          /s/ Nelson Locke       1/20/00
---------------------- --------          --------------------  ----------
MARK BERGMAN, PRES/CEO   DATE            NELSON LOCKE, CEO        DATE
ACCESS1 FINANCIAL                        AMERICA'S SENIOR FIN'L

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                                                                    EXHIBIT 10.3

                              CONSULTING AGREEMENT

This Agreement is made effective as of December 31, 1999, by and between
America's Senior Financial Services of 15544 N.W. 77th Court, Miami Lakes, FL
33016, and Brickell Equity Group, Inc., 1717 North Bayshore Drive - #3154;;
Miami, Florida 33132.

In this Agreement, the party who is contracting to receive services shall be
referred to as "AMSE", and the party who will be providing the services shall be
referred to as "Brickell".

Brickell has a background in Financial Services Industry, with an emphasis on
public companies and their unique financial needs regarding the raising of
working capital; and is willing to provide services to AMSE based on this
background.

AMSE desires to have services provided by Brickell.

Therefore, the parties agree as follows:

1. DESCRIPTION OF SERVICES. Beginning on January 1, 2000, Brickell will provide
the following services, (collectively the "Services"): consult and advise the
corporate controller and president about financing the company's working capital
requirements, and assist the president with certain shareholder relations
regarding publicly available information only. This consulting contract shall be
for a period of one year, renewable by mutual consent.

2. PAYMENT. AMSE will pay a fee to Brickell of $150,000 per year for the
Services. This fee shall be payable in a lump sum payable in AMSE restricted
shares of common stock, in an amount of shares not to exceed 150,000 shares,
based on actual consulting work completed. 75,000 shares shall be registered via
AMSE's best efforts on an upcoming SB2. Upon termination of this Agreement,
payments under this paragraph shall cease; provided, however, that Brickell
shall be entitled to payments for periods or partial periods that occurred prior
to the date of termination and for which Brickell has not yet been paid.

3. EXPENSE REIMBURSEMENT. Brickell shall be entitled to reimbursement from AMSE
for the following "out-of-pocket" expenses:

     - travel expenses

     - meals, excluding alcoholic beverages

4. TERM/TERMINATION. This Agreement may be terminated by either party upon 30
days written notice to the other party.

5. RELATIONSHIP OF PARTIES. It is understood by the parties that Brickell is an
independent contractor with respect to AMSE, and not an employee of AMSE. AMSE
will not provide fringe benefits, including health insurance benefits, paid
vacation, or any other employee benefit, for the benefit of Brickell.

6. ASSIGNMENT. Brickell's obligation under this Agreement may not be assigned or
transferred to any other person, firm, or corporation without the prior written
consent of AMSE.

7. NOTICES. All notices required or permitted under this Agreement shall be in
writing and shall be deemed delivered when delivered in person or deposited in
the United States mail, postage prepaid, addresses as follows:

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     Company:

                  America's Senior Financial Services
                  Nelson Locke
                  President
                  15544 NW 77th Court
                  Miami Lakes, FL 33016

     Consultant:

                  Brickell Equity Group, Inc.
                  Consultant
                  1717 North Bayshore Drive, #3154
                  Miami, Florida

Such address may be changed from time to time by either party by providing
written notice to the other in the manner set forth above.

8. ENTIRE AGREEMENT. This Agreement contains the entire agreement of the parties
and there are no other promises or conditions in any other agreement whether
oral or written. This Agreement supercedes any prior written or oral agreements
between the parties.

9. AMENDMENT. This Agreement may be modified or amended if the amendment is made
in writing and is signed by both parties.

10. SEVERABILITY. If any provision of this Agreement shall be held to be invalid
or unenforceable for any reason, the remaining provisions shall continue to be
valid and enforceable. If a court finds that any provision of this Agreement is
invalid or unenforceable, but that by limiting such provision it would become
valid and enforceable, then such provision shall be deemed to be written,
construed, and enforced as to limited.

11. WAIVER OF CONTRACTUAL RIGHT. The failure of either party to enforce any
provision of this Agreement shall not be construed as a waiver or limitation of
that party's right to subsequently enforce and compel strict compliance with
every provision of this Agreement.

12. APPLICABLE LAW. This Agreement shall be governed by the laws of the State of
Florida.

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America's Senior Financial Services

By: /s/
   ----------------------------------------------
America's Senior Financial Services
President

Brickell Equity Group, Inc.

By: /s/ Frances W. Baur
   ----------------------------------------------
Brickell Equity Group, Inc.
Consultant

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This Summary is not an official part of your document. It contains highlights of
the important information that has been entered into the document.

                                     SUMMARY
                                     OF THE
                              CONSULTING AGREEMENT

DATE PREPARED
         January 1, 2000

COMPANY

         America's Senior Financial Services

CONSULTANT

         Brickell Equity Group, Inc.

EXPENSE REIMBUSEMENT section included.

SUPPORT SERVICES section included.

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