EFinancial Depot.com, Inc.
                           150-1875 Century Park East
                         Century City, California 90067

November  22,  2000

Mr.  Amin  Zool
Panther  House
1  Panther  Drive,  Dreary  Way,
Brent  Park,  London  NW10  OJP

Dear  Mr.  Zool:

Re:  Compensation  for  services  rendered  to  EFinancial  Depot.com  Inc. (the
     "Company")

          This  letter  will  serve  to  confirm  our  agreement  respecting the
compensation payable to you for certain consultantcy and advisory services which
you  have  provided  to  the  Company.

          In this regard we acknowledge that you have provided assistance to the
Company in finding and forming strategic partnerships and alliances for business
development in Europe for the application of the Company's trading platform (the
"Services"),  which  assistance  has been of significant benefit to the Company.

          In  full  and  final  satisfaction of the Company's obligations to you
with  respect  to the provision of these services, it is agreed that the Company
shall issue to you 180,000 shares of common stock at a deemed price of $1.00 per
share  and  shall  also  grant  to  you an option to acquire a further 1,000,000
shares of common stock at a price of $1.00 per share, said option exercisable on
or  before  December  31,  2001  by delivery of notice in writing to the Company
together  with  a certified cheque or bank draft representing the purchase price
for  the shares being acquired.  In the case of any stock split, stock dividend,
or  like  change in the nature of the shares of common stock of the Company, the
number  of  shares  which are the subject of the above referenced option and the
exercise  price  of  same  shall  be  proportionately  adjusted.

          Accepting  that the above accurately details your understanding of our
agreement  in  this  regard could you please execute this letter where indicated
and  return  same  at  your  earliest  convenience.
EFINANCIAL  DEPOT.COM,  INC.


Per: /s/ John Huguet
     JOHN  HUGUET,  President  and  CEO

Acknowledged  and  agreed  to  this  22nd  day of  November,  2000  by:


/s/ Amin Zool
AMIN  ZOOL