Document:

[letterhead]

                                                         8250 Jones Branch Drive
                                                     McLean, Virginia 22102-3110

Freddie Mac

July 17, 1996

Mr. Daniel Silverman
Executive Vice President
Community Home Mortgage Corporation
45 Executive Drive
Plainview, NJ 11803

Dear Mr. Silverman:

This is to confirm that you are an approved  Freddie Mac  Seller/Servicer.  Your
Seller Service number 937903.

Sincerely,

/s/ Rachael H. Haynes

Rachael H. Haynes
Account Manager[letterhead]

                         DEPARTMENT OF VETERANS AFFAIRS
                                 Regional Office
                        252 Seventh Avenue at 24th Street

                               New York, NY 10001

June 17, 1993

In Reply Refer To: Community Home Mortgage Corporation
Attn: Daniel Silverman 510 Broad Hollow Road
Mellville, NY 11747

Dear Mr. Silverman:

We  are  pleased  to  advise  you  that  we  will  accept  Prior  Approval  Loan
Applications from your firm as a participating lender.

Your office has been added to our mailing list so that all future Loan  Guaranty
Bulletins,   External   Issues  and  other   materials   from  our  office  will
automatically be mailed to you.

Supplies,  according  to your  needs,  should be  requested  by letter  from our
Publications Unit, Department of Veterans Affairs, 252 Seventh Avenue, New York,
NY 10001.  Enclosed is the new  Lender's  Handbook and a sample on how to put VA
packages together.

To expedite the  processing  of your cases,  you are  requested to carefully and
accurately  complete  each  document  submitted and to sign all documents in the
same  manner  as in  your  application.  We  will be  pleased  to  give  you any
assistance  possible  in the proper  completion  of our forms and in  submitting
applications.

We urge  you to use  our  staff  for  training  purposes.  We  will  train  your
processors in completing  the  necessary VA forms.  Just call our office,  (212)
620-6616, Mrs. Beatrice Neil, for an appointment.

Sincerely yours,

/s/ Gerard Prizeman

GERARD PRIZEMAN
Loan Guaranty Officer
Enclosures[letterhead]

                                U.S. Department of Housing and Urban Development
                                New York State Office
                                Jacob K. Javits Federal Building
                                26 Federal Plaza
                                New York, New York 10278-0068

                                  July 24, 1996

Mr. Daniel Silverman
Executive Vice President
Community Home Mortgage Corporation
45 Executive Drive
Plainview, NY 11803

Dear Mr. Silverman:

         This will confirm that your office is approved to underwrite  and close
mortgage loans,  including Section 203 (k) loans,  under the Direct  Endorsement
Program without prior HUD review.

         You are reminded that participation in the Direct  Endorsement  Program
is a privilege  accorded  only to  mortgagees  who continue to  demonstrate  the
ability to originate mortgage loans in accordance with HUD underwriting  policy.
Accordingly, should the mortgage loans submitted for Direct Endorsement indicate
unsatisfactory underwriting, this privilege will be reduced or withdrawn.

                                            Sincerely,

                                            /s/ Stann Kaplan
                                            ------------------------------
                                            Stann Kaplan
                                            Acting Chief, Single Family
                                            Production Branch

         Visit our Web Site at: http://www.hud.gov/local/nyn/nyopen.htmlCONSULTING AGREEMENT

THIS CONSULTING AGREEMENT  ("Agreement") made this 28th day of September,  2000,
by and between  eSAFETYWORLD,  Inc., whose address is 80 Orville Drive, Bohemia,
New York 11716,  hereinafter referred to as the "Consultant," and Community Home
Mortgage  Corporation,  whose  principal  place of  business  is  located at 510
Broadhollow Road, Melville, NY 11747, hereinafter referred to as "Company."

WHEREAS,  Consultant has developed  expertise and  experience in  Internet-based
sales and other business  applications.  It desires to consult with the officers
of the Company,  and the administrative  staff, and to undertake for the Company
consultation as to the direction of certain functions in said management; and

WHEREAS,  the  Company  desires  to engage  the  services  of  Consultant  as an
independent  contractor  and not as an  employee  to  perform  for  the  Company
consulting services regarding its business operation;

NOW, THEREFORE, it is agreed as follows:

         1.  Consultation  Service.  The Company  hereby  retains  Consultant to
perform  services in accordance with the terms and conditions of this Agreement.
Consultant  will  provide  Company  with  advice  regarding a variety of general
business and Business Business e-commerce applications.

         2. Term of Agreement.  The  respective  duties and  obligations  of the
contracting  parties  shall be for a period of one year  commencing on September
28, 2000.

         3. Time Devoted by Consultant.  It is anticipated  that Consultant will
spend the time  necessary to perform the  services set forth in this  Agreement.
Services have already begun.

         4. Place Where Services Are Rendered.  Consultant  will perform most of
the services in  accordance  with this  Agreement  at its offices.  In addition,
Consultant may perform  services by telephone or at other locations agreed to by
the parties.

         5. Liability. With regard to the services to be performed by Consultant
pursuant to the terms of this Agreement,  Consultant  shall not be liable to the
Company,  or to anyone who may claim any right due to any relationship  with the
Company, for any acts or omissions in the performance of services on the part of
Consultant or on the part of the agents or employees of Consultant,  except when
said acts or  omissions of  Consultant  are due to willful  misconduct  or gross
negligence.  The Company  shall hold the  Consultant  free and harmless from any
obligations,  costs, claims, judgments, attorneys' fees, and attachments arising
from or growing out of the  services  rendered  to the  Company  pursuant to the
terms of this  Agreement or in any way connected with the rendering of services,
except  when  the  same  shall  arise  due to the  willful  misconduct  or gross
negligence  of  Consultant  and  Consultant  is adjudged to be guilty of willful
misconduct or gross negligence by a court of competent jurisdiction.

         6.  Compensation.  Initially,  Consultant  shall be  required to expend
significant  effort  to  familiarize  itself  with  the  Company's   operations,
policies, procedures, opportunities,  resources, strategic relationships, goals,
and other  circumstances  relevant to the services to be provided by Consultant.
The Company  acknowledges  that  Consultant has already  initiated the foregoing
activities in  anticipation  of entering into this  Agreement  with the Company.
After the Consultant's  initial study of the Company's  business and operations,
Consultant  will then be required to devote  significant  effort to developing a
General Business and Internet strategy for the Company.  The parties  anticipate
that the key  components  of this strategy  will be  identified  and  formulated
within 90 days after the date of this  Agreement.  Thereafter,  a  substantially
smaller  involvement  will be required of Consultant  as the Company  considers,
adopts,  and  implements  Consultant's  recommendations.  In  recognition of the
foregoing, the Company shall pay to Consultant a fixed, one-time fee of $300,000
or that number of shares of common  stock of the Company  equivalent  to 7.5% of
the number of the Company's  common stock issued and  outstanding as of the date
of this  Agreement.  Payment  of this fee  shall be made in  either  the cash or
common stock shall be at the option of the Company.  Such payment  shall be made
by the Company to Consultant within 30 days after the date of this Agreement. If
payment is made in the form of common  stock,  such shares of common stock shall
be deposited in an escrow account with a law firm selected by the Company and be
subject to a mutually acceptable escrow agreement. If Company is unable to clear
comments  received from the Securities and Exchange  Commission  relating to the
Information  Statement or Form 10, then Company shall be entitled to a refund of
all  shares  of its  common  stock  previously  paid  to  Consultant.  If (i) an
Information  Statement  and Form 10 are prepared  and the Company  elects not to
file such  documents  with the  Securities  and Exchange  Commission or (ii) the
Company does not cooperate in providing  information necessary to clear comments
provided by the staff of the Securities and Exchange Commission, then Consultant
shall be  entitled to a fee  equivalent  to 25% of the fixed,  one-time  fee set
forth above.

         In the event the Company issues shares of common stock for compensation
to the Consultant hereunder, Consultant shall execute and deliver to the Company
the Consultant's representation letter setting forth relevant facts on which the
Company  may  rely  in  issuing  the  shares  in  reliance  on  exemptions  from
registration  under applicable federal and state securities laws. At the request
of the Board of Directors of the Consultant,  the Company shall, at its expense,
either (i) register the public resale of such common stock under the  Securities
Act of 1933, as amended, or (ii) satisfy the applicable requirements,  including
the preparation and filing of an Information Statement and Form 10 or Form 10-SB
under the Securities Exchange Act of 1934 to enable the Consultant to distribute
such shares of common stock to the  stockholders of the  Consultant.  Consultant
will assist  Company in satisfying the foregoing  requirements  at no additional
cost to the Company.  The total filing fees  required  under this  paragraph are
expected to be less than $7,000.

         Company and  Consultant  agree that, if Company pays the consulting fee
specified  herein  in the form of shares of  common  stock,  it is  Consultant's
intention to distribute such shares of common stock to its shareholders.

         7. Reimbursement of Expenses. In addition,  the Company shall reimburse
Consultant  for any  reasonable  out-of-pocket  expenses  incurred by Consultant
pursuant  to the terms of this  Agreement.  Such  expenses  must  receive  prior
approval  from  Company and will be paid as the  expenses  are  incurred.  It is
understood  that Company  will pay all costs and fees  related to its  obtaining
certified  audits and filing  fees  relating  to filings of  documents  with the
Securities and Exchange  Commission,  state securities  agencies,  NASDAQ or any
similar regulatory agency.

         8. Company Information. In connection with Consultant's engagement, the
Company will furnish Consultant with any information concerning the Company that
Consultant reasonably deems appropriate. Company will pay the costs of producing
the  information  required  herein  including  the cost of an audit by  auditors
authorized to practice  before the Securities and Exchange  Commission.  Company
will  provide  Consultant  with  access to the  Company's  officers,  directors,
accountants,  counsel, and other advisors. In order to facilitate the foregoing,
the parties agree as follows:

         (a) The Company  represents  and warrants to  Consultant  that all such
information  concerning  the Company  will be true and  accurate in all material
respects and will not contain any untrue statement of a material fact or omit to
state a material  fact  necessary  in order to make the  statements  therein not
misleading in light of the  circumstances  under which such statements are made.
The Company  acknowledges  and agrees that  Consultant will be using and relying
upon such  information  supplied by the Company and its  officers,  agents,  and
others and any other  publicly  available  information  concerning  the  Company
without any independent  investigation  or  verification  thereof or independent
appraisal by Consultant of the Company or its business or assets.

         (b) Consultant  understands that certain  information to be provided by
the  Company  concerning  the  business  and  operations  of  the  Company,  its
subsidiaries,  and  affiliates  will be  confidential  information  and  will be
treated by Consultant as such. Consultant will not, directly or indirectly, make
use of such  information  or divulge any such  information  to others  except as
authorized by the Company.

         (c) Upon  termination of this  Agreement,  Consultant will surrender to
the Company all records  obtained by Consultant from the Company or entrusted to
Consultant  during  the  course  of this  Agreement  (together  with all  copies
thereof)  that  are  conspicuously  marked  on  their  face  by the  Company  as
"limited,"   "private,"   "confidential,"   or  similarly   to  indicate   their
confidential nature.

         9. Consultant Independent  Contractor.  Consultant is engaged under the
terms of this Agreement as an independent  contractor,  and nothing herein shall
be construed as creating an employer/employee  relationship between the parties.
Consultant  shall not have the authority to make any  decisions  with respect to
any matter as to which Consultant renders  consulting  services or to enter into
agreements or contracts on behalf of the Company or otherwise  bind the Company.
Consultant  shall be solely  liable  for the  payment  of any taxes  imposed  or
arising out of the payment of compensation to Consultant under this Agreement.

         10. Assignment/Benefits.  The benefits of this Agreement shall inure to
the benefit of the  respective  successors and assigns of the parties hereto and
of the  indemnified  parties  hereunder  and their  successors  and  assigns and
representatives,  and the obligations and liabilities  assumed in this Agreement
by the parties  hereto shall be binding  upon their  respective  successors  and
assigns, provided, however, that Consultant shall not assign or permit any other
person or entity to assume its obligations  hereunder  without the prior written
approval of the Company. The Company shall provide Consultant with notice of its
consent or  withholding  of such consent within ten days after approval has been
requested.

         11.  Equitable  Relief.  Consultant  acknowledges  that any  breach  or
threatened  breach or alleged breach or threatened  alleged breach by Consultant
of any of the  provisions of this  Agreement can cause  irreparable  harm to the
Company or its  subsidiaries or affiliates,  for which the Company would have no
adequate  remedy at law.  In the event of a breach  or  threatened  breach or an
alleged  breach  or  alleged  threatened  breach  by  Consultant  of  any of the
provisions  of this  Agreement,  the  Company,  in addition to any and all other
rights  and  remedies  it may  have  under  this  Agreement  or  otherwise,  may
immediately  seek any judicial  action  which the Company may deem  necessary or
advisable  including,   without  limitation,  the  obtaining  of  temporary  and
preliminary injunctive relief.

         12.  Notice.  Any  notice,  demand,  request,  or  other  communication
permitted  or  required  under this  Agreement  shall be in writing and shall be
deemed to have been given if personally  served;  if transmitted by facsimile if
receipt is  confirmed by the  facsimile  operator of the  recipient;  if sent by
electronic  mail if receipt is  acknowledged  by the recipient;  if delivered by
overnight  courier  service;  or if mailed by  certified  mail,  return  receipt
requested, addressed as follows:

         If to the Company:                 Community Home Mortgage Corporation
                                            510 Broadhollow Road
                                            Melville, NY  11747
                                            Attn: Ira Silverman, President
                                            Facsimile No.: 631-577-0057

         If to Consultant:                  eSAFETYWORLD, Inc.
                                            80 Orville Drive
                                            Bohemia, NY  11716
                                            Attn: Edward A. Heil, President
                                            Facsimile No.: 212-208-3082

or such other addresses,  facsimile numbers, or electronic mail address as shall
be furnished in writing by any party in the manner for giving notices hereunder,
and any such notice, demand,  request, or other communication shall be deemed to
have been given as of the date so delivered or sent by facsimile transmission or
electronic mail, one day after the date so sent by overnight delivery,  or three
days after the date so mailed.

Either party may change its address for notice  purposes by giving notice to the
other party pursuant to the above provision.

         13. Headings.  The headings of the paragraphs herein have been inserted
for ease of  reference  only and shall not  control  or affect  the  meaning  or
interpretation of any of the terms and provisions hereof.

         14.  Governing  Law. This  Agreement is entered into under and shall be
governed  by the laws of the state of New York,  excluding  law  respecting  the
choice or conflicts of law.

         15.  Further  Action.  The parties  hereby agree to execute and deliver
such  additional  documents  and to  take  such  further  action  as may  become
necessary  or  desirable  to fully carry out the  provisions  and intent of this
Agreement.

         16.  Form of  Execution.  A valid and binding  signature  hereto or any
notice, demand,  request, or other communication required or permitted hereunder
may be in the form of a manual  execution  of a document  or a true copy made by
photographic,  xerographic,  or other  electronic  process that provides similar
copy accuracy of a document that has been manually executed.

         17. Enforcement.  In the event of a dispute between the parties arising
under this Agreement,  the prevailing party in such dispute shall be entitled to
recover its costs, including reasonable attorneys' fees, from the other party.

         18.  Nonwaiver.  The failure of any party to exercise its rights in the
event of a breach of any of the terms and  provisions  of this  Agreement by the
other party shall not  constitute a waiver of any damages  attributable  to such
breach nor a waiver of any such rights with respect to future, similar breaches.

         19. Arbitration. Any controversy or claim arising out of or relating to
this  Agreement,  or the breach  thereof,  shall be resolved by  arbitration  in
accordance of the rules of the American  Arbitration  Association in the City of
New York,  and judgment upon the award  rendered by the  arbitrator(s)  shall be
entered in any court having jurisdiction  thereof. For that purpose, the parties
hereto consent to the jurisdiction and venue of an appropriate  court located in
New York County,  State of New York. In the event that arbitration  results from
or arises out of this  Agreement or the  performance  thereof or  litigation  to
enforce any award entered therein, the parties agree to reimburse the prevailing
party's reasonable attorney's fees, court costs, and all other expenses, whether
or not taxable by the court as costs,  in addition to any other  relief to which
the  prevailing  party  may be  entitled.  In the  event  of any  such  claim or
controversy,  no action shall be  entertained  by said  arbitration if initiated
more  than one year  subsequent  to the date the  cause(s)  of  action  actually
accrued regardless of whether damages were otherwise as of said time calculable.

IN WITNESS  WHEREOF,  the parties have hereunto  executed this  Agreement on the
28th day of September, 2000.

eSAFETYWORLD, Inc.

By: /s/ Edward A. Heil
   --------------------------
Its: President

COMMUNITY HOME MORTGAGE CORPORATION

By: /s/ Ira Silverman
   --------------------------
Its: President

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