SUPPORT  AGREEMENT

THIS  AGREEMENT  is  dated  for  reference  the  29th  day  of  February  2000.

BETWEEN:

EFINANCIAL  DEPOT.COM,  INC.  (A  DELAWARE  CORPORATION)
150-1875  Century  Park  East
Century  City,  California,  U.S.A.  90067

(hereinafter  referred  to  as  "Pubco")

     OF  THE  FIRST  PART,

     -  and  -

WESTCOR  MORTGAGE  INC.  (AN  ALBERTA  CORPORATION)
#204,  1109  -  17th  Avenue  SW
Calgary,  Alberta  T2T  5R9

(hereinafter  referred  to  as  "Westcor")

     OF  THE  SECOND  PART.

     WHEREAS  pursuant  to  the provisions of a share purchase agreement between
Pubco  and  the  shareholders  of Westcor dated for reference February 29, 2000,
(hereinafter  referred to as the "Share Purchase Agreement") the parties thereto
agreed  that  Pubco  and  Westcor  would  deliver  this  Support Agreement; and,

     WHEREAS  pursuant  to  the  provisions of the Share Purchase Agreement, the
shareholders of Westcor represented that the articles of Westcor would authorize
an  infinite  number  of Exchangeable Shares having the attributes as set out in
the  restated  articles  and articles of amendment of Westcor (the "Exchangeable
Share  Provisions");  and,

     WHEREAS  the  parties  hereto wish to provide for and establish a procedure
whereby Pubco will take certain actions and make certain payments and deliveries
necessary  to  ensure  that Westcor will be able to make certain payments and to
deliver or cause to be delivered shares of Pubco Common Stock in satisfaction of
the  obligations of Westcor under the Exchangeable Share Provisions with respect
to  the  payment  and satisfaction of dividends, Liquidation Amounts, Retraction
Prices,  and  Redemption  Prices  all  in accordance with the Exchangeable Share
Provisions;




     NOW  THEREFORE  in consideration of the respective covenants and agreements
provided  in  this  Agreement and for other good and valuable consideration (the
receipt  and sufficiency of which are hereby acknowledged), the parties agree as
follows:

1.     Definitions  and  Interpretation

(1)     Defined  Terms.  Each term denoted herein by initial capital letters and
not  otherwise  defined  herein shall have the meaning attributed thereto in the
Exchangeable  Share  Provisions,  unless  the  context  requires  otherwise.

(2)     Interpretation  Not  Affected  by  Headings,  etc.  The division of this
Agreement  into  articles, sections and paragraphs and the insertion of headings
are  for  convenience of reference only and shall not affect the construction or
interpretation  of  this  Agreement.

(3)     Number,  Gender,  etc.  Words  importing  the singular number only shall
include  the  plural and vice versa. Words importing the use of any gender shall
include  all  genders.

(4)     Date  for  any Action. If any date on which any action is required to be
taken  under this Agreement is not a Business Day, such action shall be required
to  be  taken  on  the  next  succeeding  Business  Day.

2.     Covenants  of  Pubco  and  Westcor

(1)     Covenants  of  Pubco  Regarding Exchangeable Shares. Pubco covenants and
agrees  that  so  long  as  any  Exchangeable  Shares  are outstanding, it will:

(1)     not  declare  or  pay  any  dividend  on  Pubco Common Stock unless  (A)
Westcor  will  have  sufficient  assets,  funds  and other property available to
enable  the  due declaration and the due and punctual payment in accordance with
applicable  law of an equivalent dividend on the Exchangeable Shares and Westcor
does  simultaneously  declare or pay, as the case may be, an equivalent dividend
on  the  Exchangeable  Shares,  in each case in accordance with the Exchangeable
Share  Provisions, or (B) it provides the holder of each Exchangeable Share with
a  benefit  that  in Pubco's reasonable opinion is equivalent to the dividend on
each  share of Pubco Common Stock, and it provides a description of this benefit
to  each  holder  of  Exchangeable  Shares  15  days prior to the declaration or
payment  of  any  dividend;



(2)     advise  Westcor  sufficiently  in advance of the declaration by Pubco of
any  dividend  on  Pubco  Common  Stock  and  take all such other actions as are
necessary,  in  cooperation  with  Westcor,  to  ensure  that  the  respective
declaration  date,  record  date  and  payment  date  for  a  dividend  on  the
Exchangeable  Shares  shall be the same as the record date, declaration date and
payment  date  for  the  corresponding  dividend  on  Pubco  Common  Stock;

(3)     ensure  that  the  record date for any dividend declared on Pubco Common
Stock  is  not  less  than  10 calendar days after the declaration date for such
dividend;

(4)     take  all  such  actions  and  do  all  such  things as are necessary or
desirable  to  enable  and permit Westcor, in accordance with applicable law, to
pay  and  otherwise  perform its obligations with respect to the satisfaction of
the  Liquidation  Amount  in respect of each issued and outstanding Exchangeable
Share  upon  the  liquidation,  dissolution  or winding-up of Westcor, including
without  limitation  all  such  actions  and all such things as are necessary or
desirable  to enable and permit Westcor to cause to be delivered shares of Pubco
Common  Stock  to  the  holders  of  Exchangeable  Shares in accordance with the
provisions  of  Article  3.6  of  the  Exchangeable  Share  Provisions;

(5)     take  all  such  actions  and  do  all  such  things as are necessary or
desirable  to  enable  and permit Westcor, in accordance with applicable law, to
pay  and  otherwise  perform its obligations with respect to the satisfaction of
the  Retraction Price and the Redemption Price, including without limitation all
such  actions  and  all  such things as are necessary or desirable to enable and
permit  Westcor  to  cause  to  be delivered shares of Pubco Common Stock to the
holders  of  Exchangeable  Shares,  upon  the  retraction  or  redemption of the
Exchangeable  Shares in accordance with the provisions of Article 3.7 or Article
3.8  of  the  Exchangeable  Share  Provisions,  as  the  case  may  be;  and

(6)     not  exercise  its  vote as a direct or indirect shareholder to initiate
the  voluntary  liquidation,  dissolution  or winding-up of Westcor nor take any
action or omit to take any action that is designed to result in the liquidation,
dissolution  or  winding-up  of  Westcor.




(2)     Reservation  of  Shares  of Pubco Common Stock. Pubco hereby represents,
warrants and covenants that it has irrevocably reserved for issuance and will at
all  times  keep  available,  free  from preemptive and other rights, out of its
authorized  and  unissued  capital  stock  such number of shares of Pubco Common
Stock  (or  other  shares  or  securities  into  which Pubco Common Stock may be
reclassified  or changed as contemplated by section 2(5) hereof) (i) as is equal
to  the sum of (A) the number of Exchangeable Shares issued and outstanding from
time  to  time  and  (B)  the  number  of  Exchangeable Shares issuable upon the
exercise  of  all rights to acquire Exchangeable Shares outstanding from time to
time  and  (ii)  as  are  now and may hereafter be required to enable and permit
Westcor  to  meet its obligations hereunder, under the Voting Trust and Exchange
Agreement,  under the Exchangeable Share Provisions and under any other security
or  commitment  pursuant  to  the Share Purchase Agreement with respect to which
Pubco  may  now  or hereafter be required to issue shares of Pubco Common Stock.

(3)     Notification  of Certain Events. In order to assist Pubco to comply with
its  obligations hereunder, Westcor covenants and agrees to give Pubco notice of
each  of  the  following  events  at  the  time  set  forth  below:

(1)     in  the  event of any determination by the Board of Directors of Westcor
to  institute  voluntary liquidation, dissolution or winding-up proceedings with
respect  to Westcor or to effect any other distribution of the assets of Westcor
among  its  shareholders  for the purpose of winding-up its affairs, at least 60
days  prior  to  the  proposed  effective date of such liquidation, dissolution,
winding-up  or  other  distribution;

(2)     immediately, upon the earlier of (A) receipt by Westcor of notice of, or
(B)  Westcor  otherwise  becoming  aware of, any threatened or instituted claim,
suit, petition or other proceedings with respect to the involuntary liquidation,
dissolution  or winding-up of Westcor or to effect any other distribution of the
assets  of  Westcor  among  its  shareholders  for the purpose of winding-up its
affairs;

(3)     Immediately, upon receipt by Westcor of a Retraction Request (as defined
in  the  Exchangeable  Share  Provisions);  and,

(4)     as  soon as practicable upon the issuance by Westcor of any Exchangeable
Shares  or  rights  to  acquire  Exchangeable  Shares.






(4)     Delivery  of  Shares  of  Pubco  Common  Stock.  In  furtherance  of its
obligations  hereunder, upon notice of any event which requires Westcor to cause
to  be  delivered  shares  of  Pubco  Common Stock to any holder of Exchangeable
Shares,  Pubco shall and covenants and agrees to forthwith issue and deliver the
requisite  shares  of Pubco Common Stock to or to the order of the former holder
of the surrendered Exchangeable Shares, as Westcor shall direct. All such shares
of  Pubco Common Stock shall be duly issued as fully paid and non-assessable and
shall  be  free  and clear of any lien, claim, encumbrance, security interest or
adverse  claim.

(5)     Equivalence.

(1)     Pubco  covenants  and agrees that it will not without the prior approval
of  Westcor  and  the  prior  approval of the holders of the Exchangeable Shares
given  in  accordance with Section 3.10(b) of the Exchangeable Share Provisions:

(1)     issue  or  distribute  shares  of  Pubco  Common  Stock  (or  securities
exchangeable  for  or  convertible  into or carrying rights to acquire shares of
Pubco  Common  Stock)  to  the  holders  of all or substantially all of the then
outstanding  Pubco  Common Stock by way of stock dividend or other distribution;
or

(2)     issue or distribute rights, options or warrants to the holders of all or
substantially all of the then outstanding shares of Pubco Common Stock entitling
them to subscribe for or to purchase shares of Pubco Common Stock (or securities
exchangeable  for  or  convertible  into or carrying rights to acquire shares of
Pubco  Common  Stock);  or

(3)     issue  or  distribute  to the holders of all or substantially all of the
then  outstanding shares of Pubco Common Stock (1) shares or securities of Pubco
of  any  class other than Pubco Common Stock (other than shares convertible into
or exchangeable for or carrying rights to acquire shares of Pubco Common Stock),
(II)  rights,  options  or warrants other than those referred to in subsection 2
(5)  (1)  (2)  above, (III) evidences of indebtedness of Pubco or (IV) assets of
Pubco;

     unless



(4)     Westcor  is  permitted  under  applicable law to issue or distribute the
economic  equivalent  on  a per share basis of such rights, options, securities,
shares, evidences of indebtedness or other assets to holders of the Exchangeable
Shares;  and  Westcor shall issue or distribute the economic equivalent on a per
share  basis  of  such  rights,  options,  securities,  shares,  evidences  of
indebtedness  or  other  assets  simultaneously  to  holders of the Exchangeable
Shares;  or

(5)     doing so will not, in the reasonable opinion of Pubco,  adversely affect
the  rights  of  any  holder  of Exchangeable Shares, and Pubco provides to each
holder  of  Exchangeable  Shares  15  days  notice  of  such  intended  action.

(2)     Pubco  will  not  without  the  prior  approval of Westcor and the prior
approval  of  the  holders  of  the Exchangeable Shares given in accordance with
Section  3.10(b)  of  the  Exchangeable  Share  Provisions:

(1)     subdivide,  divide or change the then outstanding shares of Pubco Common
Stock  into  a  greater  number  of  shares  of  Pubco  Common  Stock;  or

(2)     reduce,  combine or consolidate or change the then outstanding shares of
Pubco  Common  Stock  into  a  lesser number of shares of Pubco Common Stock; or

(3)     reclassify  or  otherwise  change  the  shares  of Pubco Common Stock or
effect  an  amalgamation,  merger, reorganization or other transaction affecting
the  shares  of  Pubco  Common  Stock;

unless

(4)     Westcor  is  permitted  under  applicable law to simultaneously make the
same  or  an  equivalent  change  to,  or  in  the  rights  of  holders  of, the
Exchangeable  Shares, and the same or an equivalent change is made to, or in the
rights  of  the  holders  of,  the  Exchangeable  Shares;  or



(5)     doing  so will not, in the reasonable opinion of Pubco, adversely affect
the  rights  of  any  holder  of Exchangeable Shares, and Pubco provides to each
holder  of  Exchangeable  Shares  15  days  notice  of  such  intended  action.

(3)     Pubco  will  ensure  that  the  record date for any event referred to in
section  2(5)  (1)  or  2 (5) (2) above, or (if no record date is applicable for
such  event) the effective date for any such event, is not less than 10 calendar
days  after the date on which such event is declared or announced by Pubco (with
simultaneous  notice  thereof  to  be  given  by  Pubco  to  Westcor).

(6)     Tender  Offers,  etc.  In  the event that a tender offer, share exchange
offer,  issuer  bid,  take-over bid or similar transaction with respect to Pubco
Common  Stock  (an  "Offer") is proposed by Pubco or is proposed to Pubco or its
shareholders  and  is  recommended  by  the  Board  of Directors of Pubco, or is
otherwise  effected  or to be effected with the consent or approval of the Board
of  Directors of Pubco, Pubco shall take all such actions and do all such things
as  are  necessary  or  desirable  to  enable and permit holders of Exchangeable
Shares  to  participate  in  such  Offer to the same extent and on an equivalent
basis  as  the  holders of shares of Pubco Common Stock, without discrimination,
including,  without limiting the generality of the foregoing, Pubco will use its
good  faith  efforts  expeditiously  to (and shall, in the case of a transaction
proposed  by  Pubco  or where Pubco is a participant in the negotiation thereof)
ensure  that  holders  of Exchangeable Shares may participate in all such Offers
without being required to retract Exchangeable Shares as against Westcor (or, if
so  required,  to  ensure that any such retraction shall be effective only upon,
and  shall  be conditional upon, the closing of the Offer and only to the extent
necessary  to  tender  or  deposit  to  the  Offer).




(7)     Ownership  of  Outstanding Shares. Without the prior approval of Westcor
and  the  prior  approval  of  the  holders  of the Exchangeable Shares given in
accordance  with  Section  3.10(b)  of  the Exchangeable Share Provisions, Pubco
covenants  and  agrees  in  favour  of  Westcor that, as long as any outstanding
Exchangeable Shares are owned by any person or entity other than Pubco or any of
its  Subsidiaries,  Pubco  will  be and remain the direct or indirect beneficial
owner  of  all  issued  and outstanding shares in the capital of Westcor and all
outstanding  securities  of  Westcor  carrying  or  otherwise entitled to voting
rights  in  any  circumstances, in each case other than the Exchangeable Shares,
unless  not being and remaining so will not, in the reasonable opinion of Pubco,
adversely  affect the rights of any holder of Exchangeable Shares, and Pubco has
provided  to  each  holder  of  Exchangeable  Shares  15  days notice of Pubco's
intention  to  no longer be or remain the direct or indirect beneficial owner of
all  issued  and  outstanding  shares in the capital of Westcor carrying and all
outstanding  securities of Westcor or otherwise entitled to voting rights in any
circumstances,  in  each  case  other  than  the  Exchangeable  Shares.



(8)     Pubco  Not  to Vote Exchangeable Shares. Pubco covenants and agrees that
it  will  appoint  and  cause  to  be appointed proxyholders with respect to all
Exchangeable  Shares  held by Pubco and its Subsidiaries for the sole purpose of
attending  each meeting of holders of Exchangeable Shares in order to be counted
as  part of the quorum for each such meeting. Pubco further covenants and agrees
that  it  will  not, and will cause its Subsidiaries not to, exercise any voting
rights  which  may be exercisable by holders of Exchangeable Shares from time to
time pursuant to the Exchangeable Share Provisions or pursuant to the provisions
of  any  corporate  statute by which Westcor may be governed with respect to any
Exchangeable  Shares  held by it or by its Subsidiaries in respect of any matter
considered  at  any  meeting  of  holders  of  Exchangeable  Shares.

(9)     Due  Performance.  On and after the Effective Date, Pubco shall duly and
timely  perform  all  of  its  obligations provided for under the Share Purchase
Agreement,  this  agreement  and all of the agreements to which it is a party in
connection with the transactions contemplated under the Share Purchase Agreement
including  any  obligations  that  may arise upon the exercise of Pubco's rights
under  the  Exchangeable  Share  Provisions.

3.     General

(1)     Term.  This  Agreement  shall come into force and be effective as of the
date  hereof  and  shall terminate and be of no further force and effect at such
time  as  no  Exchangeable  Shares  (or securities or rights convertible into or
exchangeable  for or carrying rights to acquire Exchangeable Shares) are held by
any  party  other  than  Pubco  and  any  of  its  Subsidiaries.




(2)     Changes  in Capital of Pubco and Westcor. Notwithstanding the provisions
of section 3 (4) hereof, at all times after the occurrence of any event effected
pursuant  to  section  2  (5) or 2 (6) hereof, as a result of which either Pubco
Common  Stock  or  the  Exchangeable Shares or both are in any way changed, this
Agreement  shall forthwith be amended and modified as necessary in order that it
shall  apply with full force and effect, mutatis mutandis, to all new securities
into  which Pubco Common Stock or the Exchangeable Shares or both are so changed
and  the parties hereto shall execute and deliver an agreement in writing giving
effect  to  and  evidencing  such  necessary  amendments  and  modifications.

(3)     Severability.  If any provision of this Agreement is held to be invalid,
illegal  or  unenforceable,  the  validity,  legality  or  enforceability of the
remainder of this Agreement shall not in any way be affected or impaired thereby
and this Agreement shall be carried out as nearly as possible in accordance with
its  original  terms  and  conditions.

(4)     Amendments,  Modifications,  etc.  This  Agreement may not be amended or
modified  except  by  an  agreement in writing executed by Westcor and Pubco and
approved  by  the  holders of the Exchangeable Shares in accordance with Section
3.10(b)  of  the  Exchangeable  Share  Provisions.

(5)     Ministerial  Amendments. Notwithstanding the provisions of section 3(4),
the parties to this Agreement may in writing, at any time and from time to time,
without  the approval of the holders of the Exchangeable Shares, amend or modify
this  Agreement  for  the  purposes  of.

(1)     adding  to the covenants of either or both parties for the protection of
the  holders  of  the  Exchangeable  Shares;

(2)     making  such  amendments  or  modifications  not  inconsistent with this
Agreement  as may be necessary or desirable with respect to matters or questions
which, in the opinion of the board of directors of each of Westcor and Pubco, it
may be expedient to make, provided that each such board of directors shall be of
the opinion that such amendments or modifications will not be prejudicial to the
interests  of  the  holders  of  the  Exchangeable  Shares;  or

(3)     making  such  changes  or corrections which, on the advice of counsel to
Westcor  and  Pubco,  are  required  for the purpose of curing or correcting any
ambiguity or defect or inconsistent provision or clerical omission or mistake or
manifest  error,  provided  that  the boards of directors of each of Westcor and
Pubco  shall  be  of  the  opinion  that such changes or corrections will not be
prejudicial  to  the  interests  of  the  holders  of  the  Exchangeable Shares.




(6)     Meeting  to Consider Amendments. Westcor, at the request of Pubco, shall
call  a  meeting  or  meetings of the holders of the Exchangeable Shares for the
purpose of considering any proposed amendment or modification requiring approval
of  such  shareholders. Any such meeting or meetings shall be called and held in
accordance  with  the  by-laws of Westcor, the Exchangeable Share Provisions and
all  applicable  laws.

(7)     Amendments Only in Writing. No amendment to or modification or waiver of
any  of  the provisions of this Agreement otherwise permitted hereunder shall be
effective  unless  made  in  writing  and  signed by both of the parties hereto.

(8)     Enurement. This Agreement shall be binding upon and enure to the benefit
of the parties hereto and the holders, from time to time, of Exchangeable Shares
and  each  of  their  respective  heirs,  successors  and  assigns.

(9)     Notices  to  Parties.  All  notices and other communications between the
parties  shall be in writing and shall be deemed to have been given if delivered
personally  or  by  confirmed telecopy to the parties at the following addresses
(or  at  such  other address for either such party as shall be specified in like
notice):

(1)     if  to  Pubco  at:

EFinancial  Depot.com,  Inc.  (a  Delaware  corporation)
150-1875  Century  Park  East
Century  City,  California,  U.S.A.  90067
Attention:     President
Fax:           604-681-3652

(2)     if  to  Westcor  at:

Westcor  Mortgage  Inc.
#204,  1109  -  17th  Avenue  SW
Calgary,  Alberta  T2T  5R9
Attention:     President
     Fax:          403.228.7101



Any  notice or other communication given personally shall be deemed to have been
given  and  received  upon  delivery  thereof  and if given by telecopy shall be
deemed  to have been given and received on the date of confirmed receipt thereof
unless  such  day is not a Business Day in which case it shall be deemed to have
been  given  and  received  upon  the  immediately  following  Business  Day.

(10)     Counterparts.  This  Agreement may be executed in counterparts, each of
which  shall  be  deemed  an  original,  and  all  of which taken together shall
constitute  one  and  the  same  instrument.

(11)     Jurisdiction.  This  Agreement  shall  be  construed  and  enforced  in
accordance  with  the  laws  of  the  Province of Alberta and the laws of Canada
applicable  therein.

(12)     Recitals.  The  recitals  form  part  of  this  agreement.



(13)     Attornment.  Pubco  agrees that any action or proceeding arising out of
or relating to this Agreement may be instituted in the courts of Alberta, waives
any objection which it may have now or hereafter to the venue of any such action
or proceeding, irrevocably submits to the jurisdiction of the said courts in any
such action or proceeding, agrees to be bound by any judgment of the said courts
and  not  to  seek,  and  hereby  waives,  any  review of the merits of any such
judgment  by the courts of any other jurisdiction and hereby appoints Westcor at
its registered office in the Province of Alberta as Pubco's attorney for service
of  process.

     IN  WITNESS  WHEREOF, the parties hereto have caused this Agreement to take
effect  as  of  the  date  first  above  written.



E-FINANCIAL  DEPOT.COM,  INC.
(A  DELAWARE  CORPORATION)


Per:  /s/ John Huguet

WESTCOR  MORTGAGE  INC.


Per:  /s/ Patricia Kirkham