<SEQUENCE>24

<FILENAME>0024.txt

<DESCRIPTION>CONSULTING AGREEMENT/ESAFETYWORLD DATED 9/28/00

<TEXT>



                              CONSULTING 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,

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