EXHIBIT 10.11

                                EXPENSE AGREEMENT

This Agreement is made on this day, February 13, 2003, by AmeriFirst Fund I, LLC
("Applicant") and AmeriFirst, Inc. ("Affiliate") who agree as follows on behalf
of AmeriFirst Fund I, LLC. and AmeriFirst, Inc.

WHEREAS it is agreed that Affiliate chooses to assist and provide Applicant with
certain services and goods without charge.

WHEREAS it is agreed that upon receipt of these expenses Applicant is not
responsible for paying or repaying these expenses. Any forgiven payments that
may have occurred may not subsequently be repaid.

WHEREAS Applicant and Affiliate both are required to keep their books and
records according to generally accepted accounting principles ("GAAP"), the
Applicant has reviewed the Agreement with their independent accountant.

WHEREAS the Applicant is not responsible for these expenses they are limited in
scope and reasonable to the normal operation of the Applicant and which are
provided to the Applicant by the Affiliate.

By signatures below, the Affiliate understands and acknowledges that it has no
claims against the Applicant for any payments made on behalf of the Applicant
pursuant to this agreement. Moreover, the Applicant has no obligation to prepay
the Affiliate or any other person in connection with expenses paid by the
Affiliate on behalf of the Applicant pursuant to this agreement.


On behalf of AmeriFirst Inc.;


/s/ Brittany Ellis
- -------------------------------------
Ms. Brittany Ellis
Its; Secretary

On behalf of AmeriFirst Fund I, LLC.;


/s/ John Tooke
- -------------------------------------
Mr. John Tooke
Its; Managing Director