Document:

EXHIBIT 23.1

                           Oppenheim & Ostrick, CPA'S
                            Culver City, California

                  CONSENT OF INDEPENDENT CHARTERED ACCOUNTANTS

We  hereby  consent  to the  incorporation  by  reference  in  the  Registration
Statement on Form S-8 for Latinocare Management Corporation, of our report dated
February  28, 2002  relating to the December 31, 2001  financial  statements  of
Latinocare Management Corporation.

/s/Oppenheim & Ostrick
--------------------------------------
Oppenheim & Ostrick, CPA'S
Culver City, California
July 3, 2002Exhibit 4.1 Advisory and Consulting Agreement

     Number of Shares and Options
     ----------------------------

     4.1 Barry Clark    3,000,000

                        3,000,000

<PAGE>

4.1

                              CONSULTING AGREEMENT
                              --------------------

This Consulting Agreement ("Agreement") is to be effective as of the 8th day of
July 2002, by and between Access Power, Inc., ("Company"), with offices located
at 10033 Sawgrass Drive West, Suite 100, Ponte Vedra Beach, FL 32082 and Barry
R. Clark ("Consultant"), an individual, having his principal address at 375
Walnut Avenue, Suite G, Carlsbad, CA 92008.

For the purposes of this Agreement, either of the above shall be referred to as
a "Party" and collectively as the "Parties".

The Parties hereby agree as follows:

1.     APPOINTMENT OF BARRY R. CLARK. Company hereby appoints Consultant and
Consultant hereby agrees to render services to Company as a Marketing and Sales
Representative.

2.     SERVICES. During the term of this Agreement, Consultant shall provide
advice to undertake for and consult with the Company concerning management of
sales and marketing resources, 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
and his 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; and

(d)     The identification, evaluation, structuring, negotiating, and closing of
joint ventures, and strategic alliances.

2.5     TERM.  The term ("Term") of this Consulting Agreement shall be for a
period of four (4) months commencing on the date hereof. The contract will
automatically be extended for an additional three (3) months. Either party
hereto shall have the right to terminate this Agreement upon thirty (30) days
prior written notice to the other party after the first three (3) months.

3.     COMPENSATION. See Attachment "A".

<PAGE>

4.     CONFIDENTIALITY.  Consultant will not disclose to any other person, firm
or corporation, nor use for its own benefit, during or after the Term of this
Consulting Agreement, any trade secrets or other information designated as
confidential by Company which is acquired by Consultant in the course of
performing services hereunder. Any financial advice rendered by Consultant
pursuant to this Consulting Agreement may not be disclosed in any manner without
the prior written approval of Company.

5.     INDEMNIFCATION.  Company, its agents or assigns hereby agree to indemnify
and hold Consultant harmless from and against all losses, claims, damages,
liabilities, costs or expenses (including reasonable attorney's fees,
collectively the "Liabilities"), joint and several, arising from the performance
of this Consulting Agreement, whether or not Consultant is party to such
dispute. This indemnity shall not apply, however, and Consultant shall indemnify
and hold Company, its affiliates, control persons, officers, employees and
agents harmless from and against all liabilities, where a court of competent
jurisdiction has made a final determination that Consultant engaged in gross
recklessness and willful misconduct in the performance of its services
hereunder.

6.     INDEPENDENT CONTRACTOR. Consultant and Company hereby acknowledge that
Consultant is an independent contractor. Consultant shall not hold itself out
as, nor shall it take any action from which others might infer that it is an
agent of or a joint venture of Company.

7.     MISCELLANEOUS.  This Consulting Agreement sets forth the entire
understanding of the Parties relating to the subject matter hereof, and
supersedes and cancels any prior communications, understandings and agreements
between the Parties. This Consulting Agreement is non-exclusive and cannot be
modified or changed, nor can any of its provisions be waived, except by written
agreement signed by all Parties. This Consulting Agreement shall be governed by
the laws of the State of California without reference to the conflict of law
principles thereof. In the event of any dispute as to the Terms of this
Consulting Agreement, the prevailing Party in any litigation shall be entitled
to reasonable attorney's fees.

8.     NOTICES.  Any notice required or permitted hereunder shall be given in
writing (unless otherwise specified herein) and shall be deemed effectively
given upon personal delivery or seven business days after deposit in the United
States Postal Service, by (a) advance copy by fax, (b) mailing by express
courier or registered or certified mail with postage and fees prepaid, addressed
to each of the other Parties thereunto entitled at the following addresses, or
at such other addresses as a Party may designate by ten days advance written
notice to each of the other Parties at the addresses above and to the attention
of the persons that have signed below.

<PAGE>

Please confirm that the foregoing sets forth our understanding by signing the
enclosed copy of this Consulting Agreement where provided and returning it to me
at your earliest convenience.

All Parties signing below do so with full authority:

PARTY RECEIVING SERVICES:                    PARTY PROVIDING SERVICES:

ACCESS POWER, INC                            BARRY R. CLARK, AN INDIVIDUAL

/s/ Glenn Smith                              /s/ Barry Clark
-----------------                            ---------------------------------
    Glenn Smith                                  Barry R. Clark, an individual

                                 ATTACHMENT "A"
                                 --------------

PAYMENT FOR SERVICES:

A.    For the services rendered and performed by Barry R. Clark during the term
 Of this Agreement, Company shall, upon acceptance of this Agreement: Pay to
Barry R. Clark three million (3,000,000) free-trading shares of ACCR stock for
four (4) months of service.

Accepted with full authority:

Access Power, Inc.

By:  /s/Glenn Smith
     -----------------
        Glenn Smith

<PAGE>______________________________________

                                 AMENDMENT NO. 1
                            Dated as of June 25, 2002
                                       to
                         POOLING AND SERVICING AGREEMENT
                           Dated as of October 1, 2001
                                      among
                   BEAR STEARNS ASSET BACKED SECURITIES, INC.,
                                    Depositor
                            EMC MORTGAGE CORPORATION,
                           Seller and Master Servicer
                                       and
                WELLS FARGO BANK MINNESOTA, NATIONAL ASSOCIATION,
                      Trustee and Securities Administrator
                     ______________________________________

               BEAR STEARNS ASSET BACKED SECURITIES TRUST 2001-AC2
                   ASSET-BACKED CERTIFICATES, SERIES 2001-AC2
                     ______________________________________

         THIS AMENDMENT NO. 1, dated as of June 25, 2002 (the "Amendment"), to
the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement"),
dated as of October 1, 2001, among BEAR STEARNS ASSET BACKED SECURITIES, INC., a
Delaware corporation, as depositor (the "Depositor"), EMC MORTGAGE CORPORATION,
a Delaware corporation, as seller (the "Seller") and master servicer (the
"Master Servicer") and WELLS FARGO BANK MINNESOTA, NATIONAL ASSOCIATION, a
national banking association, as trustee (the "Trustee") and securities
administrator (the "Securities Administrator").

                            W I T N E S S E T H

         WHEREAS, the Depositor, the Seller, the Master Servicer, the Trustee
and the Securities Administrator entered into the Pooling and Servicing
Agreement;

         WHEREAS, the Depositor, the Seller, the Master Servicer, the Trustee
and the Securities Administrator desire to amend certain provisions of the
Pooling and Servicing Agreement to evidence that the servicing rights with
respect to certain of the Mortgage Loans and the Class P Certificate has been
sold to CitiMortgage, Inc.

         WHEREAS, Section 11.01 of the Pooling and Servicing Agreement provides
that the Pooling and Servicing Agreement may be amended by the Depositor, the
Seller, the Master Servicer, the Trustee and the Securities Administrator
without the consent of any of the Certificateholders to correct or supplement
any provisions contained in the Pooling and Servicing Agreement;

<PAGE>

                                       -2-

         NOW, THEREFORE, the parties hereto agree as follows:

         SECTION 1. Defined Terms.

         For purposes of this Amendment, unless the context clearly requires
otherwise, all capitalized terms which are used but not otherwise defined herein
shall have the respective meanings assigned to such terms in the Pooling and
Servicing Agreement.

         SECTION 2. The Amendments.

         (a)      Section 1.01 of the Pooling and Servicing Agreement is hereby
amended as follows:

                  (i) The following definitions are hereby added to Section 1.01
of the Pooling and Servicing Agreement:

                  "CITIMORTGAGE SUBSERVICING AGREEMENT: Shall mean the
                  Subservicing Agreement, dated as of June 25, 2002, by and
                  between the Master Servicer and CitiMortgage, Inc..

                  INDEMNIFIED PERSONS: The Trustee, the Master Servicer, and the
                  Securities Administrator and their officers, directors, agents
                  and employees and, with respect to the Trustee, any separate
                  co-trustee and its officers, directors, agents and employees.

                  LENDER PAID MORTGAGE INSURANCE POLICY OR LPMI POLICY: A policy
                  of mortgage guaranty insurance issued by an insurer meeting
                  the requirements of Fannie Mae and Freddie Mac in which the
                  servicer of the related Mortgage Loan is responsible for the
                  payment of the LPMI Fee thereunder from amounts collected on
                  the related Mortgage Loan.

                  LPMI Fee: Shall mean the fee payable to the insurer for each
                  Mortgage Loan subject to a LPMI Policy as set forth in such
                  LPMI Policy.

                  MERS: Mortgage Electronic Registration Systems, Inc., a
                  corporation organized and existing under the laws of the
                  State of Delaware, or any successor thereto.

                  MERS(R) SYSTEM: The system of recording transfers of Mortgages
                  electronically maintained by MERS.

                  MIN: The Mortgage Identification Number for Mortgage Loans
                  registered with MERS on the MERS(R)System.

<PAGE>

                                       -3-

                  MOM LOAN: With respect to any Mortgage Loan, MERS acting as
                  the mortgagee of such Mortgage Loan, solely as nominee for the
                  originator of such Mortgage Loan and its successors and
                  assigns, at the origination thereof.

                  (ii) The definition of "Insurance Policy" is hereby amended by
adding the words "or LPMI Policy" after the word "policy" in the second line
thereof.

                  (iii) Clause (i)(a) of the definition of "Interest Funds" is
hereby amended by adding the words "and the LPMI Fee, if any" before the comma
at the end thereof.

                  (iv) The definition of "Net Mortgage Rate" is hereby deleted
in its entirety and replaced with the following:

                  "NET MORTGAGE RATE: As to each Mortgage Loan, and at any time,
                  the per annum rate equal to the Mortgage Rate less the sum of
                  (i) the related Servicing Fee Rate and (ii) the rate at which
                  the LPMI Fee is calculated."

                  (v) The definition of "Prepayment Interest Shortfall" is
hereby amended by adding the following at the end thereof:

                   "less the sum of (a) any Prepayment Charges, (b) the related
                   Servicing Fee and (c) the LPMI Fee."

                  (vi) Clause (ii) of the definition of "Servicing Advances" is
hereby amended by adding the following at the end thereof:

                  "and including any expenses incurred in relation to any such
                  proceedings that result from the Mortgage Loan being
                  registered in the MERS(R) System"

                  (vii) Clause (iv) of the definition of "Servicing Advances" is
hereby amended by adding the words "and Section 3.11" after the words "Section
3.09" in the last line thereof.

                  (viii) The definition of "Subservicing Agreement" is hereby
replaced in its entirety with the following:

                  "SUBSERVICING AGREEMENT: Any agreement (including, without
                  limitation, the National City Subservicing Agreement and the
                  CitiMortgage Subservicing Agreement) entered into between the
                  Master Servicer and a subservicer with respect to the
                  subservicing of any Mortgage Loan hereunder by such
                  subservicer."

         (b) Clause (ii) of the fourth paragraph of Section 2.01 of the Pooling
and Servicing Agreement is hereby deleted in its entirety and replaced with the
following:

<PAGE>

                                       -4-

                  "(ii) the original Mortgage and, if the related Mortgage Loan
                  is a MOM Loan, noting the presence of the MIN and language
                  indicating that such Mortgage Loan is a MOM Loan, which shall
                  have been recorded (or if the original is not available, a
                  copy), with evidence of such recording indicated thereon (or
                  if clause (x) in the proviso below applies, shall be in
                  recordable form),"

         (c) Clause (iii) of the fourth paragraph of Section 2.01 of the Pooling
and Servicing Agreement is hereby amended by adding "unless the Mortgage Loan is
a MOM Loan," at the beginning thereof.

         (d) The proviso contained in the fourth paragraph of Section 2.01 of
the Pooling and Servicing Agreement is hereby deleted in its entirety and
replaced with the following:

                  ; provided that the Seller need not cause to be recorded any
                  assignment if MERS is identified on the Mortgage or on a
                  properly recorded assignment of the Mortgage as the mortgagee
                  of record solely as nominee for Seller and its successor and
                  assigns."

         (e)      Section 2.01 of the Pooling and Servicing Agreement is hereby
amended by adding the following paragraph to the end thereof:

                  "In connection with the assignment of any Mortgage Loan
                  registered on the MERS(R) System, the Seller further agrees
                  that it will cause, at the Seller's own expense, on or before
                  the Transfer Date (as defined in the CitiMortgage Subservicing
                  Agreement), the MERS(R) System to indicate that such Mortgage
                  Loans have been assigned by the Seller to the Depositor and by
                  the Depositor to the Trustee in accordance with this Agreement
                  for the benefit of the Certificateholders by including (or
                  deleting, in the case of Mortgage Loans which are repurchased
                  in accordance with this Agreement) in such computer files (a)
                  the code in the field which identifies the specific Trustee
                  and (b) the code in the field "Pool Field" which identifies
                  the series of the Certificates issued in connection with such
                  Mortgage Loans. The Seller further agrees that it will not,
                  and will not permit any Subservicer or the Master Servicer to,
                  and the Master Servicer agrees that it will not, alter the
                  codes referenced in this paragraph with respect to any
                  Mortgage Loan during the term of this Agreement unless and
                  until such Mortgage Loan is repurchased in accordance with the
                  terms of this Agreement. With respect to each Mortgage Loan
                  serviced by CitiMortgage pursuant to the CitiMortgage
                  Subservicing Agreement, the Seller shall notify MERS that
                  CitiMortgage is to be added as servicer of record with respect
                  thereto."

         (f)      Clause (b) of  Section 3.03 of the Pooling and Servicing
Agreement is hereby deleted in its entirety and replaced with the following:

<PAGE>

                                       -5-

                  "(b) For purposes of this Agreement, the Master Servicer shall
                  be deemed to have received any collections, recoveries or
                  payments with respect to the Mortgage Loans (other than the
                  National City Loans and any Mortgage Loans being serviced by
                  CitiMortgage Inc. pursuant to the CitiMortgage Subservicing
                  Agreement) that are received by a subservicer regardless of
                  whether such payments are remitted by the subservicer to the
                  Master Servicer."

         (g)      Clause (b) of  Section 4.01 of the Pooling and Servicing
Agreement is hereby amended by adding the words "and CitiMortgage, Inc." in the
parenthetical on the eighth line thereof.

         (h) Clause (b)(ii) of Section 4.01 of the Pooling and Servicing
Agreement is hereby deleted in its entirety and replaced with the following:

                  "(ii) all payments on account of interest on the Mortgage
                  Loans, adjusted to the Net Mortgage Rate;"

         (i) The proviso contained in the second to last paragraph of Section
4.02 of the Pooling and Servicing Agreement is hereby amended by adding "or on
any Mortgage Loan being serviced by CitiMortgage, Inc. pursuant to the
CitiMortgage Subservicing Agreement".

         (j)      Clause (d) of  Section 4.04 of the Pooling and Servicing
Agreement is hereby deleted in its entirety and replaced with the following:

                  "(d) The Trustee shall deposit in the Distribution Account for
                  inclusion in the Interest Funds and Principal Funds to be
                  distributed to the Certificateholders in the related
                  Distribution Date, all payments, collections and other
                  recoveries received by it from National City with respect to
                  the National City Loans and from CitiMortgage, Inc. with
                  respect to any Mortgage Loans serviced by it pursuant to the
                  CitiMortgage Subservicing Agreement during the related Due
                  Period or Prepayment Period, as applicable, (which shall
                  include all Principal Prepayments and Insurance Proceeds
                  received after the related Prepayment Period by the Master
                  Servicer or the Trustee, as applicable, which the Master
                  Servicer deems to have been received during the related
                  Prepayment Period)."

         (k) The first paragraph of Section 5.02 of the Pooling and Servicing
Agreement is hereby amended by adding the words "or any Mortgage Loan being
serviced by CitiMortgage, Inc. pursuant to the CitiMortgage Subservicing
Agreement" in the parenthetical contained in the second line thereof.

<PAGE>

                                       -6-

         SECTION 3. Effect of Amendment.

         Upon execution of this Amendment, the Pooling and Servicing Agreement
shall be, and be deemed to be, modified and amended in accordance herewith and
the respective rights, limitations, obligations, duties, liabilities and
immunities of the Seller, the Master Servicer, the Depositor, the Trustee and
the Securities Administrator shall hereafter be determined, exercised and
enforced subject in all respects to such modifications and amendments, and all
the terms and conditions of this Amendment shall be deemed to be part of the
terms and conditions of the Pooling and Servicing Agreement for any and all
purposes. Except as modified and expressly amended by this Amendment, the
Pooling and Servicing Agreement is in all respects ratified and confirmed, and
all the terms, provisions and conditions thereof shall be and remain in full
force and effect.

         SECTION 4. Binding Effect.

         The provisions of this Amendment shall be binding upon and inure to the
benefit of the respective successors and assigns of the parties hereto, and all
such provisions shall inure to the benefit of the Seller, the Master Servicer,
the Depositor, the Trustee and the Securities Administrator.

         SECTION 5. Governing Law.

         This Amendment shall be construed in accordance with the substantive
laws of the State of New York (without regard to conflict of law principles) and
the obligations, rights and remedies of the parties hereto shall be determined
in accordance with such laws.

         SECTION 6. Severability of Provisions.

         If any one or more of the provisions or terms of this Amendment shall
be for any reason whatsoever held invalid, then such provisions or terms shall
be deemed severable from the remaining provisions or terms of this Amendment and
shall in no way affect the validity or enforceability of the other provisions or
terms of this Amendment.

         SECTION 7. Section Headings.

         The section headings herein are for convenience of reference only, and
shall not limit or otherwise affect the meaning hereof.

         SECTION 8. Counterparts.

         This Amendment may be executed in several counterparts, each of which
shall be an original and all of which shall constitute but one and the same
instrument.
                                             [signature pages follow]

<PAGE>

                                       -7-

         IN WITNESS WHEREOF, the Depositor, the Seller, the Master Servicer, the
Trustee and the Securities Administrator have caused their names to be signed
hereto by their respective officers thereunto duly authorized as of the day and
year first above written.

                                        BEAR STEARNS ASSET BACKED
                                        SECURITIES, INC.,
                                                 as Depositor

                                        By: /s/ Matthew Perkins
                                           ------------------------------------
                                        Name:   Matthew Perkins
                                        Title:  Vice President

                                        EMC MORTGAGE CORPORATION,
                                                 as Seller and Master Servicer

                                        By:/s/ Ralene Ruyle
                                           ------------------------------------
                                        Name:  Ralene Ruyle
                                        Title: President

                                        WELLS FARGO BANK MINNESOTA,
                                        NATIONAL ASSOCIATION
                                                 as Trustee and Securities
                                                 Administrator

                                        By:/s/ Brett Handelman
                                           ------------------------------------
                                        Name:  Brett Handelman
                                        Title: Vice President

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