Genesis Financial Group Inc \Va\ Watch

from SB-1/A 1 page Material contract

from SB-1/A 1 page <page> Exhibit No. 10 (A) <page> [Letterhead of Hope Player Appears Here] June 18, 1997 Mr. Richard Sayers Magee, Foster, Goldstein & Sayers P.O. Box 404 Roanoke, Virginia 24003-0404 Dear Mr. Sayers: This Letter Is to Authorize You to Include My Independent Auditors' Report Relating to the Audited Financial Statements for Genesis Financial Group, Inc. as of December 31, 1995 and 1996 and for the Years Then Ended in the Securities Registration Statements for Genesis Financial Group, Inc. for $7.5 Million in Corporate Promissory Notes. if You Should Need Any Additional Information, Please Do Not Hesitate to Contact Me. Sincerely, Hope Player and Associates, P.C. /S/ W. Hope Player, Cpa, Cfp W. Hope Player, Cpa, Cfp Whp:dl

from SB-1/A 1 page <page> Exhibit No. 10.1 <page> [Letterhead of Hope Player Appears Here] March 26, 1997 Mr. Richard Sayers Magee, Foster, Goldstein & Sayers P.O. Box 404 Roanoke, Virginia 24003-0404 Dear Mr. Sayers: This Letter Is to Authorize You to Include the Audited Financial Statements for Genesis Financial Group, Inc. as of December 31, 1996 and 1995 and for the Years Then Ended and the Audited Financial Statements of Mr. Car Man, Inc. as of December 31, 1995 and Complied Financial Statements as of December 31, 1996 and for the Years Then Ended in the Securities Registration Statements for Genesis Financial Group, Inc. for $6 Million in Notes and $1.5 Million in Contracts. if You Should Need Any Additional Information, Please Do Not Hesitate to Contact Me. Sincerely, Hope Player and Associates, P.C. /S/ W. Hope Player W. Hope Player, Cpa, Cfp

from SB-1/A 1 page <page> Exhibit No. 10.1 <page> [Letterhead of Hope Player Appears Here] December 23, 1996 Mr. Richard Sayers Magee, Foster, Goldstein & Sayers P.O. Box 404 Roanoke, Virginia 24003-0404 Dear Mr. Sayers: This Letter Is to Authorize You to Include the Audited Financial Statements for Genesis Financial Group, Inc. and Mr. Car Man, Inc. as of December 31, 1995 and for the Year Then Ending in the Securities Registration Statements for Genesis Financial Group, Inc. for $8 Million in Notes and $2 Million in Contracts. if You Should Need Any Additional Information, Please Do Not Hesitate to Contact Me. Sincerely, Hope Player and Associates, P.C. /S/ W. Hope Player W. Hope Player, Cpa, Cfp Whp:dl

from SB-1 1 page Material contract