Document:

OPTION  NO._________

                             STOCK OPTION AGREEMENT
                             ----------------------

     This  STOCK OPTION AGREEMENT is made and entered into               , 2001,
by  and  between E-Net Financial.com, Inc. ("Company"), and Lawrence W. Horwitz,
an  individual  (referred  to  herein  as the "Optionee"), with reference to the
following  recitals  of  facts:

     WHEREAS,  the  Company  desires  to  grant  the  Optionee  a  stock  option
("Option") to purchase shares of common stock of the Company (the "Shares") upon
the  terms  and  conditions  hereinafter  stated;  and

NOW,  THEREFORE, in consideration of the covenants herein set forth, the parties
hereto  agree  as  follows:

     1.     Shares;  Price.  The  Company hereby grants to Optionee the right to
            ---------------
purchase,  upon and subject to the terms and conditions herein stated, 1 million
Shares  for  cash  at  the  closing  price  of the Shares as of the date of this
Agreement, such price being not less than the fair market value per share of the
Shares  covered  by  these  Options  as  of  the  date  hereof.

     2.     Term  of Option.  This Option shall expire, and all rights hereunder
            ---------------
to  purchase  the  Shares  shall  terminate  five  years  from  the date hereof.

     3.     Exercise.  This Option shall be exercised by delivery to the Company
            --------
of:   (a)  a  written  notice  of  exercise  stating  the number of Shares being
purchased  (in  whole  shares  only) and such other information set forth on the
form of Notice of Exercise attached hereto as Appendix A; (b) a check or cash in
                                              ----------
the  amount  of  the  purchase  price of the Shares covered by the notice.  This
Option  shall  be exercisable in its entirety upon $2 million being converted to
equity  in  the  Company  the contemplated bond offering.  All amounts less than
that  shall  be exercisable on a pro-rata basis (i.e., if $1 from the $5 million
offering  is  converted into equity in E-net from the bond offering, then 20% of
the  subject  options  shall  be  exercisable, regardless of whether the subject
listing  occurs).

     4.     Termination  of  Independent  Contractor  Status.  If Optionee shall
            -------------------------------------------------
cease  to  serve  as  an  independent  contractor  whether  voluntarily  or
involuntarily,  other  than  by the conclusion of the term of Optionee's written
Consulting Agreement, then Optionee shall retain all rights set forth herein for
vested  Options  and all non vested options shall terminate and be of no further
force  or  effect.

<PAGE>

     5.     Recapitalization. The number of Shares covered by this Option, shall
            ----------------
not  be  proportionately  adjusted for any increase or decrease in the number of
issued  Shares  resulting  from  a subdivision or consolidation of shares or the
payment  of a stock dividend, or any other increase or decrease in the number of
such  shares  affected without receipt of consideration by the Company; provided
however  that  the conversion of any convertible securities of the Company shall
not  be  deemed  having  been  "effected without receipt of consideration by the
Company.  The  exercise  price  of this Option shall not be adjusted upon such a
subdivision  or consolidation of the shares.  The number of such Shares shall be
increased/decreased  on  a  pro  rata  basis in accordance with any stock split,
provided,  however, in the event of a reverse stock split, the amount of options
shall  not be reduced below 60% of the amount issued under this option and under
no circumstances shall the exercise price of this option be adjusted.  Provided,
however  at  no  time  shall  the aggregate shares exercisable under this Option
equal  greater  than 5% of the total shares outstanding on a fully diluted basis
(such  calculation  to  be  performed  at  the  time  of  the initial exercise).

     In  the  event  of  a proposed dissolution or liquidation of the Company, a
merger  or  consolidation in which the Company is not the surviving entity, or a
sale  of  all  or  substantially  all  of the assets of the Company, all options
granted  herein  shall  immediately  vest  and  be exercisable.   Subject to any
required  action by the stockholders of the Company, if the Company shall be the
surviving  entity  in  any merger or consolidation, this Option thereafter shall
pertain  to and apply to the securities to which a holder of Shares equal to the
Shares  subject to this Option would have been entitled by reason of such merger
or  consolidation,  and  the  vesting  provisions of Section 3 shall continue to
apply.

6.     Registration  Rights.  The  Optionee  shall  have  the  right to register
       --------------------
Shares  covered  by vested options on Form S-8 pursuant to Optionee's Consulting
Agreement  to  which  this  Option  is  an  Exhibit.

     IN  WITNESS  WHEREOF, the parties hereto have executed this Agreement as of
the  date  first  above  written.

                                               E-NET  FINANCIAL.COM,  INC.

                                               /s/ Vincent R. Rinehart
                                               BY:Vincent R. Rinehart
                                               ITS: President & CEO

                                               MR.  LAWRENCE  HORWITZ

                                               /s/  Lawrence  W.  Horwitz
                                               Lawrence  W.  Horwitz,  Optionee

<PAGE>

                                  Appendix "A"
                                  ------------

                                     FORM OF

                               NOTICE OF EXERCISE

<PAGE>

                                  APPENDIX "A"
                                  ------------

                               NOTICE OF EXERCISE

E-Net  Financial.com,  Inc
3200  Bristol  Street,  Suite  700
Costa  Mesa,  CA  92626

                                     (date)

Re:  Exercise  of  Stock  Option

     Notice  is  hereby  given  pursuant to Section 3 of my Consulting Agreement
that  I  elect  to purchase the number of shares set forth below at the exercise
price  set  forth  in  my  option  agreement:

     Stock  Option  dated:                    ______________________

     Number  of  shares  being  purchased:    ______________________

     Option  Exercise  Price:                $_____________________

     A  check in the amount of the aggregate price of the shares being purchased
is  attached.

     I  hereby  confirm  that  such  shares  are being acquired by me for my own
account  for  investment  purposes,  and  not  with  a view to, or for resale in
connection  with,  any  distribution  thereof.

     Further,  I understand that, as a result of this exercise of rights, I will
recognize income in an amount equal to the amount by which the fair market value
of  the  Shares  exceeds  the  exercise price.  I agree to report such income in
accordance  with  then  applicable  law  and  to  cooperate  with  Company  in
establishing  the withholding and corresponding deduction to the Company for its
income  tax  purposes.

     I  agree to provide to the Company such additional documents or information
as  may  be  required  by  law.

                                        (Signature)

                                        (Name  of  Optionee)

<PAGE>EMPLOYMENT AGREEMENT

     THIS EMPLOYMENT AGREEMENT ("Agreement") is entered and effective into as of
this  1st  day  of June, 2001, by and between Vincent Rinehart (the "Employee"),
and  e-Net  Financial.com,  Inc.,  a  Nevada  corporation,  and  all  of  their
subsidiaries  (the  "Company").

                              W I T N E S S E T H:

     The  parties  agree  as  follows:

     1.     The  Company hereby agrees to employ the Employee to render services
to  the  Company  during  the  Employment  Period,  as  that term is hereinafter
defined,  as  President  and  CEO of the Company (Chairman, CEO and President of
ENet;  and  Chairman  and  CEO  of  American  Residential  Funding,  Inc.,
BravoRealty.com,  Titus  Real  Estate & Expidoc.com).  The Employee agrees to be
employed  by  the  Company  in  such  capacity  and  agrees  that throughout the
Employment  Period he will perform all such duties as shall be necessary for him
to  perform  consistent  with his positions or as shall be assigned to him.  The
Employee  further  agrees  to  devote  his  best  efforts to the performance and
discharge  of  his  duties and responsibilities.  Notwithstanding the foregoing,
the  Company  confirms  that  Employee  shall  be  involved  at  the  rate  of
approximately 8 hours per week in the operations of Titus Real Estate, Lavington
Financial,  and  Firstline  Companies.

     2.     The  Company  agrees  to  pay Employee, as full compensation for the
services  to  be  rendered by the Employee hereunder, and the Employee agrees to
accept as full compensation therefore (except as noted in 2(a)), a salary during
the Employment Period at an annualized rate of $275,000.00, subject to an annual
increase  of 10% commencing Jan. 1, 2002, which compensation shall be payable in
arrears  in  equal  monthly  installments  in accordance with the normal payroll
policies  of the Company from time to time in effect, subject to withholding for
Federal,  state  and  local  income taxes, FICA, FUTA and other legally required
withholding  taxes and contributions. It is agreed that the various subsidiaries
are  additionally  bound by all provisions of this agreement, and shall be fully
liable  to  pay  any and all amounts due as noted in this agreement, even in the
event  any  subsidiaries  are  sold. The company shall also pay employee an auto
allowance  of  $1,200.00  per  month  plus  insurance  and gas, as well as other
compensation  noted  below.

          (a)  Employee  has  incurred  significant  liability  as an officer of
               E-NetFinancial.com and American Residential Funding, Inc., having
               provided  services  since  April  14,  2000  and  April  1,  1997
               respectively.  These  liabilities  include personally guarantying
               $2,000,000  in  a  Bank  Line  of  credit, personally guarantying
               $75,000 in a Bank Line of credit, personally guarantying numerous
               equipment  leases,  signing as responsible party in over 40 state
               licensing  matters,  securing a large loan to Enet with Employees
               personally  owned  1,000,000  shares  of  Enet,  liability  to
               shareholders  (and  other  creditor)  actions  with significantly
               inadequate  D&O  insurance,  and  the  like. In lieu of receiving
               compensation in cash for this liability, the Board has authorized
               the  payment  of stock options as fully described in the attached
               addendum.

<PAGE>

3.     Employment  Period.

          (a)  The  "Employment  Period"  hereunder  shall  commence on the date
               hereof  and  shall terminate five (5) years from the date hereof,
               which  is  June  1,  2006.

          (b)  Notwithstanding  paragraph  3(a),  the Employment Period, and the
               Employee's  employment hereunder, shall terminate on such earlier
               date  on  which  any  of  the  following  events  occurs:

               (ii)  the  death  of  the  Employee,
               (iii)  the  resignation  of  the  Employee,
               (iv)  the  termination  by the Board of the Employee's employment
               with  the Company for disability (as hereinafter defined in (c)),
               or
               (v)  the  termination  by  the Board of the Employee's employment
               with the Company, upon fifteen (15) days' prior written notice to
               the  Employee  hereunder, for cause (as hereafter defined in (d).
               (vi) the termination of Employee's employment with the Company by
               the  Board of an acquiring company that acquired a minimum of 51%
               the  Company,  to  which  Employee  shall receive compensation as
               noted  in  (e).

          (c)  The  term  "disability,"  as  used  herein  with  respect  to the
               termination  of the Employee's employment with the Company, shall
               mean  the  Employee's  inability  to  perform  effectively  the
               substantial  portion  of his duties hereunder because of physical
               or  mental  disability for a cumulative period of 180 days in any
               consecutive  twelve  month  period  during the Employment Period.

          (d)  The  term "cause," as used herein with respect to the termination
               of  the Employee's employment with the Company, shall mean any of
               the  following:  (i) willful and persistent failure or refusal to
               perform  material,  significant and appropriate obligations under
               this  Agreement, with proper written notice having been given and
               time to make corrections; (ii) the conviction of the Employee for
               any  felony; any other action of the Employee that is reported in
               the  general  or  trade  press  or  otherwise  achieves a general
               notoriety,  involving  conduct  that  is  illegal,  immoral  or
               scandalous,  and  that  materially  reduces  the  value  of  the
               Employee's services and significantly discredits the Employee and
               the  Company's  business.

<PAGE>

          (e)  If  the  Company  (or  acquiring company) elects to terminate the
               Employee,  due  to  merger,  acquisition  or  other  business
               considerations,  or  for  any  cause,  then  the  Company  shall
               immediately  pay  to  Employee $500,000 as severance pay, and all
               stock  and  options  shall  be accelerated and immediately vested
               prior  to  such  acquisition or merger. All assets of the Company
               and the acquiring company, including cash, clients, customers and
               all  physical  assets, shall secure this claim. Employee has full
               rights  under  California law to lien and seize any assets of the
               Company  until such obligation is paid in full. Upon full receipt
               of severance pay and vested securities, the Company shall have no
               further  obligation  to  Employee.

     4.     The compensation provided for hereunder shall be exclusive of and in
addition  to  any benefits which may become available to the Employee, and which
shall  become  available to the Employee, when and as the same becomes available
to  other  employees  of  the  Company  according  to  him  and their respective
positions  under,  and pursuant to the terms of, any stock option, pension plan,
group  life  insurance  plan,  hospitalization  plan,  medical  services  plan,
disability  plan  or any other employee benefit plan, program or policy provided
by  the Company during the Employment Period.  In this regard, the Company shall
furnish  Employee  and  his  family  full  Blue  Cross  of  California coverage,
disability  insurance  the  premium  for  which shall be payable per quarter and
shall  also  provide term life insurance in the amount of $1,000,000 for benefit
of  Employee.

     5.     The  Company  agrees  to  reimburse  the Employee for all reasonable
travel,  entertainment  and  other  expenses  which are incurred by the Employee
during  the  Employment  Period  in  connection  with  the  performance  of  the
Employee's  duties  hereunder,  provided that the general scope of such expenses
are  approved  by  the  Board  in  advance  and  such  expenses are itemized and
presented  to the Company in writing in a form then prescribed by the Company in
its  general  policies  relating to reimbursement of employee business expenses.

     6.     In  addition,  the  Company  shall  establish  various  bonus, stock
option,  stock grant, and profit sharing plans, under which the Company shall be
fully  liable to Employee in providing and paying the additional compensation as
noted.

     7.     All  notices  and  other  communications hereunder shall be given in
writing  by  hand  delivery  or  by registered or certified mail, return receipt
requested,  postage  prepaid,  addressed to the party to receive the same at its
respective address set forth below, or at such other address as may from time to
time  be  designated  by  either party to the other hereunder in accordance with
this  Section:

     If  to  the  Employee:  16271  Sundancer  Ln.,  Huntington Beach, Ca. 92649

     If  to  the  Company:  3200  Bristol  St.,  Ste. 700, Costa Mesa, Ca  92626

     All such notices and communications hereunder shall be effective and deemed
given,  if mailed, when delivered, as evidenced by the acknowledgment of receipt
issued  with  respect  thereto  by  the  applicable  postal authorities, and, if
delivered  by  hand, when received, as evidenced by the signed acknowledgment of
receipt  of  the  person  to  whom  such notice or communication shall have been
addressed.

<PAGE>

     8.     This  Agreement  constitutes  the  entire  agreement  of the parties
hereto  with  respect to the Employee's employment by the Company and supersedes
and  terminates  all  prior  agreements,  arrangements  and policies between the
Employee  and  the  Company, as well as all of it's majority owned subsidiaries,
with  respect  to  the  subject  matter  hereof.

     9.     No  failure  by  either  party  hereto  to exercise, and no delay in
exercising, any right hereunder shall operate as a waiver thereof, nor shall any
single  or  partial exercise of any right hereunder by either party preclude any
other  or  future  exercise  of  that right or any other right hereunder by that
party.

     10.     In  case any one or more of the provisions of this Agreement should
be  found  to be invalid, illegal or unenforceable in any respect, the validity,
legality  and  enforceability of the remaining provisions contained herein shall
not  in  any  way  be  affected  or  impaired  thereby.

     11.     This  Agreement,  and the respective rights, duties and obligations
of  the parties hereunder, shall be governed by and construed in accordance with
the  laws  of  the  State  of  California.

     12.     The  rights  and  benefits  of  this  Agreement  shall inure to the
benefit  of,  and  be enforceable by, the Company's successors and assigns.  The
rights and obligations of the Employee under this Agreement may only be assigned
with  the  prior  written  consent  of  the  Company.

     13.     This  Agreement may not be amended, terminated or superseded except
by  an  agreement  in  writing,  executed  by  the  Company  and  the  Employee.

     14.     The  Employee  hereby  acknowledges  that,  in  connection with his
review  of  the  terms  and  conditions  of  this  Agreement, including, without
limitation,  the undertakings, restrictions and waivers set forth herein, he has
had  the  opportunity to consult with and be represented by his own counsel, who
may  advise  him concerning the execution and delivery of this Agreement by him.

<PAGE>
     IN  WITNESS  WHEREOF,  the  parties hereto have caused this Agreement to be
duly  executed  on  the  date  first  above  written.

                                           E-Net  Financial.com,  Inc.

                                           By: /s/  Scott  Presta
                                           Name:  Scott  Presta
                                           Director

                                           /s/  Vincent  Rinehart
                                           By:     Vincent  Rinehart

<PAGE>

                         OPTION NO.   01

      STOCK  OPTION  AGREEMENT

     THIS  STOCK  OPTION  AGREEMENT is made and entered into on June 1  2001, by
and  between  E-net  Financial.com,  Inc.  ("Company"), and Vincent Rinehart, an
individual,  and  officer of the Company (referred to herein as the "Optionee"),
with  reference  to  the  following  recitals  of  facts:

     WHEREAS,  the  Company  desires  to  grant  the  Optionee  a  stock  option
("Option") to purchase shares of common stock of the Company (the "Shares") upon
the  terms  and  conditions  hereinafter  stated;  and

NOW,  THEREFORE, in consideration of the covenants herein set forth, the parties
hereto  agree  as  follows:

     1.     Shares;  Price.  The  Company hereby grants to Optionee the right to
            ---------------
purchase,  upon  and  subject  to  the  terms  and conditions herein stated, 2.5
million  (2,500,000)  Shares  for cash (or other consideration acceptable to the
Board  of  Directors of the Company, which shall include a loan to Optionee from
the  Company)  at  the  closing  price  of  the  Shares  as  of the date of this
Agreement, such price being not less than the fair market value per share of the
Shares  covered by these Options as of the date hereofThese shall vest over the
one  year  period  of  time  during which the Employment Agreement to which this
Agreement  is  an  Exhibit  is  in  full  force  and  effect.

     2.     Term  of Option.  This Option shall expire, and all rights hereunder
            ---------------
to  purchase  the  Shares shall terminate five years from the date hereof.  This
Option  shall  earlier  terminate  subject  to  Paragraphs  5  and  6  hereof  .

     3.     Exercise.  This Option shall be exercised by delivery to the Company
            --------
of (a) a written notice of exercise stating the number of Shares being purchased
(in  whole  shares  only)  and  such  other information set forth on the form of
Notice  of  Exercise  attached  hereto as Appendix A, (b) a check or cash in the
amount  of  the purchase price of the Shares covered by the notice (in which the
Company  shall  be obligated to loan Optionee such funds to cover the purchase).

     4.     Termination of Employment or Engagement.  If Optionee shall cease to
            ---------------------------------------
serve  as  an  employee  of  the  Company for any reason, whether voluntarily or
involuntarily,  other  than  by the conclusion of the term of Optionee's written
employment agreement, then Optionee shall retain all rights set forth herein for
vested  Options  and all non-vested options shall terminate and be of no further
force  or  effect.

<PAGE>

     5.     Recapitalization. The number of Shares covered by this Option, shall
            ----------------
not  be  proportionately  adjusted for any increase or decrease in the number of
issued  Shares  resulting  from  a subdivision or consolidation of shares or the
payment  of a stock dividend, or any other increase or decrease in the number of
such  shares  affected without receipt of consideration by the Company; provided
however  that  the conversion of any convertible securities of the Company shall
not  be  deemed  having  been  "effected without receipt of consideration by the
Company."  The  exercise  price of this Option shall not be adjusted upon such a
subdivision  or  consolidation of the shares. The number of such Shares shall be
increased/decreased  on  a  pro  rata  basis in accordance with any stock split,
provided,  however, the amount of options shall not be reduced by more than  20%
of  the  amount  issued  under  this option and under no circumstances shall the
exercise  price  of  this  option  be  adjusted.

     6.     In  the  event  of  a  proposed  dissolution  or  liquidation of the
Company,  a  merger  or  consolidation in which the Company is not the surviving
entity,  or a sale of all or substantially all of the assets of the Company, all
options granted herein shall immediately vest and be exercisable. Subject to any
required  action by the stockholders of the Company, if the Company shall be the
surviving  entity  in  any merger or consolidation, this Option thereafter shall
pertain  to and apply to the securities to which a holder of Shares equal to the
Shares  subject to this Option would have been entitled by reason of such merger
or  consolidation,  and  the  vesting  provisions of Section 3 shall continue to
apply.

     7.     Registration  Rights.  The Optionee shall have the right to register
            --------------------
Shares  covered  by vested options on Form S-8 pursuant to Optionee's Employment
Agreement  to  which  this  Option  is  an  Exhibit.

     IN  WITNESS  WHEREOF, the parties hereto have executed this Agreement as of
the  date  first  above  written.

                                         E-Net  Financial.com,  Inc.

                                         By: /s/ Scott  Presta
                                         Name:  Scott  Presta
                                         Director

                                         /s/ Vincent  Rinehart
                                         By: Vincent  Rinehart

<PAGE>
Vincent  Rinehart  Employment  Contract
Dated  June  1,  2001

Amendment  to  Stock  Option  Agreement  No.  1
Dated  July  2,  2001

Rinehart  and E-Net Financial agree to amend the Stock Option agreement to limit
the  maximum  compensation  that  may  earned by Rinehart upon execution of this
agreement.

Therefore,  the  paragraph  below shall become a part of and supercede the Stock
Option  Agreement  relating  to  these  issues; all other terms of the Agreement
shall  remain  the  same:

"Upon  the  options  being  converted  into common stock, the total compensation
received  by  Rinehart  shall  not  exceed  either  $1,900,000  or  20%  of  the
outstanding  number  of  common  shares,  fully  diluted,  whichever is greater.
Options  shall be vested at the rate of 33 1/3% each year, becoming fully vested
on  June  1,  2004."

e-Net  Financial.com  Corp.

--------------------------------                 -------------------------------
Scott  Presta,  Director                         Vincent  Rinehart

<PAGE>

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00029-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00029-of-00352.parquet"}]]