EXHIBIT 2.2 - PROPOSED FORM OF SHARE EXCHANGE AGREEMENT

                         AGREEMENT FOR SHARE EXCHANGE

THIS AGREEMENT FOR SHARE EXCHANGE (this "Agreement") is dated as of
_____________________, 2003, by and among WPB FINANCIERS, LTD., a Delaware
corporation ("WPB"), EFM ENTERPRISES, LTD., a Nevada corporation ("EFM") and
ENVIROMAT INDUSTRIES CO. LTD ("ENVIROMAT").

                                   RECITALS:

WHEREAS, WPB and EFM desire to complete a share exchange transaction pursuant
to which WPB shall acquire all of the issued and outstanding common stock of
EFM solely in exchange for the issuance of shares of voting stock of WPB; and

WHEREAS, the Board of Directors of WPB and the Board of Directors of EFM have
each approved the proposed transaction, contingent upon satisfaction prior to
closing of all of the terms and conditions of this Agreement; and

WHEREAS, the parties desire to make certain representations, warranties and
agreements in connection with completion of the proposed share exchange
transaction.

NOW, THEREFORE, in consideration of the foregoing recitals, which shall be
considered an integral part of this Agreement, and the covenants, conditions,
representations and warranties hereinafter set forth, the parties hereby agree
as follows:

                                   ARTICLE I
                                 THE EXCHANGE

1.1 THE EXCHANGE. At the Closing (as hereinafter defined), WPB shall acquire
all of the issued and outstanding common stock of EFM (other than "Dissenting
Shares," if any, as that term is defined in Section 5.2(d) hereof).
Consideration to be issued by WPB in exchange for the EFM shares shall be the
issuance of one share of common stock of WPB (the "Exchange Shares") for each
share of EFM stock acquired. The Exchange shall take place upon the terms and
conditions provided for in this Agreement and applicable state law. Exclusive
of shares issuable in the future upon exercise of warrants, options, and/or any
other rights to acquire shares of WPB which may be outstanding following
closing hereunder, after taking into account the anticipated cancellation of
7,828,000 previously issued and outstanding shares of WPB, pursuant to and in
accordance with the provisions of Section 4.5 hereof, and assuming that there
are no Dissenting Shares in EFM, immediately after such closing there shall be
a total of approximately 8,240,000 shares of common stock of WPB issued and
outstanding. For Federal income tax purposes, it is intended that the Exchange
shall constitute a tax-free reorganization within the meaning of Section
368(a)(1)(B) of the Internal Revenue Code of 1986, as amended (the "Code").

1.2 CLOSING AND EFFECTIVE TIME. Subject to the provisions of this Agreement,
the parties shall hold a closing (the "Closing") on (i) the first business day
on which the last of the conditions set forth in Article V to be fulfilled
prior to the Closing is fulfilled or waived or (ii) such other date as the
parties hereto may agree (the "Closing Date"), at such time and place as the
parties hereto may agree. Such date shall be the date of Exchange (the
"Effective Time").

                                  ARTICLE II
                        REPRESENTATIONS AND WARRANTIES

2.1 REPRESENTATIONS AND WARRANTIES OF WPB. WPB represents and warrants to EFM
as follows:

(a) ORGANIZATION, STANDING AND POWER. WPB is a corporation duly organized,
validly existing and in good standing under the laws of the State of Delaware,
has all requisite power and authority to own, lease and operate its properties
and to carry on its business as now being conducted, and is duly qualified and
in good standing to do business in each jurisdiction in which the nature of its
business or the ownership or leasing of its properties makes such qualification
necessary.

(b) CAPITAL STRUCTURE. As of the date of execution of this Agreement, the
authorized capital stock of WPB consists of 100,000,000 shares of Common Stock
with a par value of $0.0001 per share, of which 8,240,000 shares are currently
issued and outstanding, and 20,000,000 shares of Preferred Stock with a par
value of $0.0001, of which no shares are currently issued and outstanding. The
Exchange Shares to be issued pursuant to this Agreement shall be, when issued
pursuant to the terms of the resolution of the Board of Directors of WPB
approving such issuance, validly issued, fully paid and nonassessable and not
subject to preemptive rights. Except as otherwise specified herein, as of the
date of execution of this Agreement, there are no other options, warrants,
calls, agreements or other rights to purchase or otherwise acquire from WPB at
any time, or upon the happening of any stated event, any shares of the capital
stock of WPB whether or not presently issued or outstanding.

(c) CERTIFICATE OF INCORPORATION, BYLAWS, AND MINUTE BOOKS. The copies of the
Articles of Incorporation and of the Bylaws of WPB which have been delivered to
EFM are true, correct and complete copies thereof. The minute book of WPB,
which has been made available for inspection, contains accurate minutes of all
meetings and accurate consents in lieu of meetings of the Board of Directors
(and any committee thereof) and of the shareholders of WPB since the date of
incorporation and accurately reflects all transactions referred to in such
minutes and consents in lieu of meetings.

(d) AUTHORITY. WPB has all requisite power and authority to enter into this
Agreement and to consummate the transactions contemplated hereby. The execution
and delivery of this Agreement and the consummation of the transactions
contemplated hereby have been duly authorized by the Board of Directors of WPB.
No other corporate or shareholder proceedings on the part of WPB are necessary
to authorize the Exchange, or the other transactions contemplated hereby.

(e) CONFLICT WITH OTHER AGREEMENTS; APPROVALS. The execution and delivery of
this Agreement does not, and the consummation of the transactions contemplated
hereby will not result in any violation of, or default (with or without notice
or lapse of time, or both) under, or give rise to a right of termination,
cancellation or acceleration of any obligation or the loss of a material
benefit under, or the creation of a lien, pledge, security interest or other
encumbrance on assets (any such conflict, violation, default, right of
termination, cancellation or acceleration, loss or creation, a "violation")
pursuant to any provision of the Articles of Incorporation or Bylaws or any
organizational document of WPB or, result in any violation of any loan or
credit agreement, note, mortgage, indenture, lease, benefit plan or other
agreement, obligation, instrument, permit, concession, franchise, license,
judgment, order, decree, statute, law, ordinance, rule or regulation applicable
to WPB which violation would have a material adverse effect on WPB taken as a
whole. No consent, approval, order or authorization of, or registration,
declaration or filing with, any court, administrative agency or commission or
other governmental authority or instrumentality, domestic or foreign (a
"Governmental Entity") is required by or with respect to WPB in connection with
the execution and delivery of this Agreement by WPB or the consummation by WPB
of the transactions contemplated hereby.

(f) BOOKS AND RECORDS . WPB has made and will make available for inspection by
EFM upon reasonable request all the books of WPB relating to the business of
WPB. Such books of WPB have been maintained in the ordinary course of business.
All documents furnished or caused to be furnished to EFM by WPB are true and
correct copies, and there are no amendments or modifications thereto except as
set forth in such documents.

(g) COMPLIANCE WITH LAWS. WPB is and has been in compliance in all material
respects with all laws, regulations, rules, orders, judgments, decrees and
other requirements and policies imposed by any Governmental Entity applicable
to it, its properties or the operation of its businesses.

(h) SEC FILINGS. WPB filed a registration statement on Form 10-SB under the
Securities Exchange Act of 1934 on July 23, 2002. In accordance with Section
12(g) under the 1934 Act such registration statement became effective on or
about September 24, 2002. Thereafter, WPB has filed all periodic reports
required to be filed with the Securities and Exchange Commission and as of the
date hereof, is current in its filing obligations.

(i) FINANCIAL STATEMENTS AND TAX RETURNS. Copies of WPB's audited financial
statements for the fiscal year ended December 31, 2002 and of its tax return
for the year 2001 have been delivered to EFM.

(j) LITIGATION. There is no suit, action or proceeding pending, or, to the
knowledge of WPB, threatened against or affecting WPB which is reasonably
likely to have a material adverse effect on WPB, nor is there any judgment,
decree, injunction, rule or order of any Governmental Entity or arbitrator
outstanding against WPB having, or which, insofar as reasonably can be
foreseen, in the future could have, any such effect.

(k) TAX RETURNS. WPB has duly filed any tax reports and returns required to be
filed by it and has fully paid all taxes and other charges claimed to be due
from it by any federal, state or local taxing authorities. There are not now
any pending questions relating to, or claims asserted for, taxes or assessments
asserted upon WPB.

2.2 REPRESENTATIONS AND WARRANTIES OF EFM. EFM represents and warrants to WPB
as follows:

(a) ORGANIZATION, STANDING AND POWER. EFM is a corporation duly organized,
validly existing and in good standing under the laws of the State of Nevada,
has all requisite power and authority to own, lease and operate its properties
and to carry on its business as now being conducted, and is duly qualified and
in good standing to do business in each jurisdiction in which the nature of its
business or the ownership or leasing of its properties makes such qualification
necessary.

(b) CAPITAL STRUCTURE. The authorized capital stock of EFM consists of
100,000,000 shares of Common Stock with a par value of $0.001 per share. As of
the date of execution of this Agreement, it has a total of ___________________
shares of common stock issued and outstanding. All outstanding shares of EFM
stock are validly issued, fully paid and nonassessable and not subject to
preemptive rights or other restrictions on transfer. All of the issued and
outstanding shares of EFM were issued in compliance with all applicable
securities laws. Except as otherwise specified herein, there are no options,
warrants, calls, agreements or other rights to purchase or otherwise acquire
from EFM at any time, or upon the happening of any stated event, any shares of
the capital stock of EFM.

(c) CERTIFICATE OF INCORPORATION, BYLAWS AND MINUTE BOOKS. The copies of the
Articles of Incorporation and of the other corporate documents of EFM which
have been delivered to WPB are true, correct and complete copies thereof. The
minute books of EFM which have been made available for inspection contain
accurate minutes of all meetings and accurate consents in lieu of meetings of
the Board of Directors (and any committee thereof) and of the shareholders of
EFM since the date of incorporation and accurately reflect all transactions
referred to in such minutes and consents in lieu of meetings.

(d) AUTHORITY. EFM has all requisite power to enter into this Agreement and,
subject to approval of the proposed transaction by the holders of at least a
majority of all issued and outstanding shares which are entitled to vote to
approve the proposed transaction, has the requisite power and authority to
consummate the transactions contemplated hereby. Except as specified herein, no
other corporate or shareholder proceedings on the part of EFM are necessary to
authorize the Exchange and the other transactions contemplated hereby.

(e) CONFLICT WITH AGREEMENTS; APPROVALS. The execution and delivery of this
Agreement does not, and the consummation of the transactions contemplated
hereby will not, conflict with, or result in any violation of any provision of
the Certificate of Incorporation or Bylaws of EFM or of any loan or credit
agreement, note, mortgage, indenture, lease, benefit plan or other agreement,
obligation, instrument, permit, concession, franchise, license, judgment,
order, decree, statute, law, ordinance, rule or regulation applicable to EFM or
its properties or assets. No consent, approval, order or authorization of, or
registration, declaration or filing with, any Governmental Entity is required
by or with respect to EFM in connection with the execution and delivery of this
Agreement by EFM, or the consummation by EFM of the transactions contemplated
hereby.

(f) FINANCIAL STATEMENTS. Copies of EFM's audited financial statements for the
period from inception (_________________) to ________________, 2003 have been
delivered to WPB.

(g) BOOKS AND RECORDS. EFM has made and will make available for inspection by
WPB upon reasonable request all the books of account, relating to the business
of EFM. Such books of account of EFM have been maintained in the ordinary
course of business. All documents furnished or caused to be furnished to WPB by
EFM are true and correct copies, and there are no amendments or modifications
thereto except as set forth in such documents.

(h) COMPLIANCE WITH LAWS. EFM is and has been in compliance in all material
respects with all laws, regulations, rules, orders, judgments, decrees and
other requirements and policies imposed by any Governmental Entity applicable
to it, its properties or the operation of its businesses.

(i) LIABILITIES AND OBLIGATIONS. EFM has no material liabilities or obligations
(absolute, accrued, contingent or otherwise) except (i) liabilities that are
reflected and reserved against on the EFM financial statements that have not
been paid or discharged since the date thereof and (ii) liabilities incurred
since the date of such financial statements in the ordinary course of business
consistent with past practice and in accordance with this Agreement.

(j) LITIGATION. There is no suit, action or proceeding pending, or, to the
knowledge of EFM threatened against or affecting EFM, which is reasonably
likely to have a material adverse effect on EFM, nor is there any judgment,
decree, injunction, rule or order of any Governmental Entity or arbitrator
outstanding against EFM having, or which, insofar as reasonably can be
foreseen, in the future could have, any such effect.

(k) TAXES. EFM has filed or will file within the time prescribed by law
(including extension of time approved by the appropriate taxing authority) all
tax returns and reports required to be filed with all other jurisdictions where
such filing is required by law; and EFM has paid, or made adequate provision
for the payment of all taxes, interest, penalties, assessments or deficiencies
due and payable on, and with respect to such periods. EFM knows of (i) no other
tax returns or reports which are required to be filed which have not been so
filed and (ii) no unpaid assessment for additional taxes for any fiscal period
or any basis therefor.

(l) LICENSES, PERMITS; INTELLECTUAL PROPERTY. EFM owns or possesses in the
operation of its business all material authorizations which are necessary for
it to conduct its business as now conducted. Neither the execution or delivery
of this Agreement nor the consummation of the transactions contemplated hereby
will require any notice or consent under or have any material adverse effect
upon any such authorizations.

                                  ARTICLE III
                   COVENANTS RELATING TO CONDUCT OF BUSINESS

3.1 COVENANTS OF EFM AND WPB. During the period from the date of this Agreement
and continuing until the Effective Time, EFM and WPB each agree as to
themselves and their related entities that (except as expressly contemplated or
permitted by this Agreement, or to the extent that the other party shall
otherwise consent in writing):

(a) ORDINARY COURSE. Each party shall carry on its respective businesses in the
usual, regular and ordinary course in substantially the same manner as
heretofore conducted.

(b) DIVIDENDS; CHANGES IN STOCK. No party shall (i) declare or pay any
dividends on or make other distributions in respect of any of its capital
stock, or (ii) repurchase or otherwise acquire, or permit any subsidiary to
purchase or otherwise acquire, any shares of its capital stock.

(c) ISSUANCE OF SECURITIES. No party shall issue, deliver or sell, or authorize
or propose the issuance, delivery or sale of, any shares of its capital stock
of any class, any voting debt or any securities convertible into, or any
rights, warrants or options to acquire, any such shares, voting debt or
convertible securities.

(d) GOVERNING DOCUMENTS. No party shall amend or propose to amend its Articles
of Incorporation or Bylaws.

(e) NO DISPOSITIONS . Except for the transfer of assets in the ordinary course
of business consistent with prior practice, no party shall sell, lease,
encumber or otherwise dispose of, or agree to sell, lease, encumber or
otherwise dispose of, any of its assets, which are material, individually or in
the aggregate, to such party.

(f) INDEBTEDNESS. No party shall incur any indebtedness for borrowed money or
guarantee any such indebtedness or issue or sell any debt securities or
warrants or rights to acquire any debt securities of such party or guarantee
any debt securities of others other than in each case in the ordinary course of
business consistent with prior practice.

3.2 OTHER ACTIONS. No party shall take any action that would or is reasonably
likely to result in any of its representations and warranties set forth in this
Agreement being untrue as of the date made (to the extent so limited), or in
any of the conditions to the Exchange set forth in Article V not being
satisfied.

                                  ARTICLE IV
                             ADDITIONAL AGREEMENTS

4.1 RESTRICTED WPB SHARES. The Exchange Shares will not be registered under the
Securities Act, but will be issued pursuant to an exemption from such
registration requirements for transactions not involving a public offering.
Accordingly, the Exchange Shares will constitute "restricted securities" for
purposes of the Securities Act and applicable state securities laws and the
holders of Exchange Shares will not be able to transfer such shares except upon
compliance with the registration requirements of the Securities Act and
applicable state securities laws or in reliance upon an available exemption
therefrom. The certificates evidencing the Exchange Shares shall contain a
legend to the foregoing effect and the holders of such shares shall deliver at
Closing an Investment Letter acknowledging the fact that the Exchange Shares
are restricted securities and agreeing to the foregoing transfer restrictions.

4.2 ACCESS TO INFORMATION. Upon reasonable notice, WPB and EFM shall each
afford to the officers, employees, accountants, counsel and other
representatives of the other company, access to all their respective
properties, books, contracts, commitments and records and, during such period,
each of WPB and EFM shall furnish promptly to the other (a) a copy of each
report, schedule, registration statement and other document filed or received
by it during such period pursuant to the requirements of Federal or state
securities laws and (b) all other information concerning its business,
properties and personnel as such other party may reasonably request. Unless
otherwise required by law, the parties will hold any such information which is
nonpublic in confidence until such time as such information otherwise becomes
publicly available through no wrongful act of either party, and in the event of
termination of this Agreement for any reason each party shall promptly return
all nonpublic documents obtained from any other party, and any copies made of
such documents, to such other party.

4.3 LEGAL CONDITIONS TO EXCHANGE. Each of WPB and EFM shall take all reasonable
actions necessary to comply promptly with all legal requirements which may be
imposed on itself with respect to the Exchange and will promptly cooperate with
and furnish information to each other in connection with any such requirements
imposed upon any of them or upon any of their related entities or subsidiaries
in connection with the Exchange. Each party shall take all reasonable actions
necessary to obtain (and will cooperate with each other in obtaining) any
consent, authorization, order or approval of, or any exemption by, any
Governmental Entity or other public or private third party, required to be
obtained or made by WPB or EFM or any of their related entities or subsidiaries
in connection with the Exchange or the taking of any action contemplated
thereby or by this Agreement.

4.4 WPB BOARD OF DIRECTORS AND OFFICERS. The current directors of WPB shall
resign as of the Closing Date after appointing successors designated by EFM.

4.5 CANCELLATION OF WPB SHARES. By execution of this Agreement, ENVIROMAT
hereby agrees that as soon as reasonably possible following the closing of the
Exchange, it shall surrender for cancellation the 7,828,000 shares of WPB which
ENVIROMAT  purchased pursuant to and in accordance with the terms of the Stock
Purchase Agreement dated ___________________, 2003. It is hereby acknowledged
and agreed that upon cancellation of such shares they shall become treasury
stock of WPB and shall not be considered to be part of the issued and
outstanding common stock of WPB.

                                   ARTICLE V
                             CONDITIONS PRECEDENT

5.1 CONDITIONS TO EACH PARTY'S OBLIGATION TO EFFECT THE EXCHANGE. The
respective obligations of each party to effect the Exchange shall be
conditional upon the filing, occurring or obtainment of all authorizations,
consents, orders or approvals of, or declarations or filings with, or
expirations of waiting periods imposed by any governmental entity or by any
applicable law, rule, or regulation governing the transactions contemplated
hereby.

5.2 CONDITIONS TO OBLIGATIONS OF WPB. The obligation of WPB to effect the
Exchange is subject to the satisfaction of the following conditions on or
before the Closing Date unless waived by WPB:

(a) REPRESENTATIONS AND WARRANTIES. The representations and warranties of EFM
set forth in this Agreement shall be true and correct in all material respects
as of the date of this Agreement and (except to the extent such representations
and warranties speak as of an earlier date) as of the Closing Date as though
made on and as of the Closing Date, except as otherwise contemplated by this
Agreement, and WPB shall have received a certificate signed on behalf of EFM by
the President of EFM to such effect.

(b) PERFORMANCE OF OBLIGATIONS OF EFM. EFM shall have performed in all material
respects all obligations required to be performed by it under this Agreement at
or prior to the Closing Date, and WPB shall have received a certificate signed
on behalf of EFM by the President to such effect.

(c) CLOSING DOCUMENTS. WPB shall have received such certificates and other
closing documents as counsel for WPB shall reasonably request.

(d) DISSENTING SHARES. The number of shares of common stock of EFM with respect
to which objections to the share exchange and demands for payment of the fair
value thereof shall have been made in accordance with the provisions of Section
of the Nevada Revised Statutes, and with respect to which such demands shall
not have been withdrawn with the consent of EFM and WPB shall not exceed three
percent (3%) of the number of shares entitled to object and make such demand.

(e) CONSENTS. EFM shall have obtained the consent or approval of each person
whose consent or approval shall be required in connection with the transactions
contemplated hereby under any loan or credit agreement, note, mortgage,
indenture, lease or other agreement or instrument, except those for which
failure to obtain such consents and approvals would not, in the reasonable
opinion of WPB, individually or in the aggregate, have a material adverse
effect on EFM and its subsidiaries and related entities taken as a whole upon
the consummation of the transactions contemplated hereby. EFM shall also have
received the approval of its shareholders in accordance with applicable law.

(f) DUE DILIGENCE REVIEW. WPB shall have completed to its reasonable
satisfaction a review of the business, operations, finances, assets and
liabilities of EFM and shall not have determined that any of the
representations or warranties of EFM contained herein are, as of the date
hereof or the Closing Date, inaccurate in any material respect or that EFM is
otherwise in violation of any of the provisions of this Agreement.

(g) PENDING LITIGATION. There shall not be any litigation or other proceeding
pending or threatened to restrain or invalidate the transactions contemplated
by this Agreement, which, in the sole reasonable judgment of WPB, made in good
faith, would make the consummation of the Exchange imprudent. In addition,
there shall not be any other litigation or other proceeding pending or
threatened against EFM, the consequences of which, in the judgment of WPB,
could be materially adverse to EFM.

5.3 CONDITIONS TO OBLIGATIONS OF EFM. The obligation of EFM to effect the
Exchange is subject to the satisfaction of the following conditions unless
waived by EFM:

(a) REPRESENTATIONS AND WARRANTIES. The representations and warranties of WPB
set forth in this Agreement shall be true and correct in all material respects
as of the date of this Agreement and (except to the extent such representations
speak as of an earlier date) as of the Closing Date as though made on and as of
the Closing Date, except as otherwise contemplated by this Agreement, EFM shall
have received a certificate signed on behalf of WPB by the President to such
effect.

(b) PERFORMANCE OF OBLIGATIONS OF WPB. WPB shall have performed in all material
respects all obligations required to be performed by it under this Agreement at
or prior to the Closing Date, and EFM shall have received a certificate signed
on behalf of WPB by the President to such effect.

(c) SHAREHOLDER APPROVAL. Shareholders holding not less than a majority of all
issued and outstanding shares of EFM which are entitled to vote to approve the
proposed share exchange transaction shall have consented to or voted in favor
of completion of the proposed transaction.

(d) OPINION OF COUNSEL FOR WPB. EFM shall have received an opinion dated the
Closing Date from counsel for WPB, in form and substance reasonably
satisfactory to EFM and its counsel relating to such matters as are customarily
delivered in connection with a Exchange transaction.

(e) CLOSING DOCUMENTS. EFM shall have received such certificates and other
closing documents as counsel for EFM shall reasonably request.

(f) CONSENTS. WPB shall have obtained the consent or approval of each person
whose consent or approval shall be required in connection with the transactions
contemplated hereby.

(g) DUE DILIGENCE REVIEW. EFM shall have completed to its reasonable
satisfaction a review of the business, operations, finances, assets and
liabilities of WPB and shall not have determined that any of the
representations or warranties of WPB contained herein are, as of the date
hereof or the Closing Date, inaccurate in any material respect or that WPB is
otherwise in violation of any of the provisions of this Agreement.

(h) PENDING LITIGATION. There shall not be any litigation or other proceeding
pending or threatened to restrain or invalidate the transactions contemplated
by this Agreement, which, in the sole reasonable judgment of EFM, made in good
faith, would make the consummation of the Exchange imprudent. In addition,
there shall not be any other litigation or other proceeding pending or
threatened against WPB the consequences of which, in the judgment of EFM, could
be materially adverse to WPB.

                                  ARTICLE VI
                           TERMINATION AND AMENDMENT

6.1 TERMINATION. This Agreement may be terminated at any time prior to the
Effective Time: (a) by mutual consent of WPB and EFM; (b) by either WPB or EFM
if there has been a material breach of any representation, warranty, covenant
or agreement on the part of the other set forth in this Agreement which breach
has not been cured within five (5) business days following receipt by the
breaching party of notice of such breach, or if any permanent injunction or
other order of a court or other competent authority preventing the consummation
of the Exchange shall have become final and non-appealable; or (c) by either
WPB or EFM if the Exchange shall not have been consummated before ___________,
2003.

6.2 EFFECT OF TERMINATION. In the event of termination of this Agreement by
either EFM or WPB as provided in Section 6.1, this Agreement shall forthwith
become void and there shall be no liability or obligation on the part of any
party hereto. In such event, all costs and expenses incurred in connection with
this Agreement and the transactions contemplated hereby shall be paid by the
party incurring such expenses.

6.3 AMENDMENT. This Agreement may be amended by the parties hereto, by action
taken or authorized by their respective Boards of Directors, provided no
amendment shall be made which by law requires approval by the shareholders of
any party without such further approval. This Agreement may not be amended
except by an instrument in writing signed on behalf of each of the parties
hereto.

6.4 EXTENSION; WAIVER. At any time prior to the Effective Time, the parties
hereto, by action taken or authorized by their respective Board of Directors,
may, to the extent legally allowed, (a) extend the time for the performance of
any of the obligations or other acts of the other parties hereto, (b) waive any
inaccuracies in the representations and warranties contained herein or in any
document delivered pursuant hereto and (c) waive compliance with any of the
agreements or conditions contained herein. Any agreement on the part of a party
hereto to any such extension or waiver shall be valid only if set forth in a
written instrument signed on behalf of such party.

                                  ARTICLE VII
                              GENERAL PROVISIONS

7.1 SURVIVAL OF REPRESENTATIONS, WARRANTIES AND AGREEMENTS. All of the
representations, warranties and agreements in this Agreement or in any
instrument delivered pursuant to this Agreement shall survive the Effective
Time for a period of three years from the date of this Agreement.

7.2 NOTICES. All notices and other communications hereunder shall be in writing
and shall be deemed given if delivered personally, telecopied (which is
confirmed) or mailed by registered or certified mail (return receipt requested)
to the parties at the following addresses (or at such other address for a party
as shall be specified by like notice):

(a) If to WPB to:

(b) If to EFM, to:

(c) If to ENVIROMAT, to:

7.3 INTERPRETATION. When a reference is made in this Agreement to Sections,
such reference shall be to a Section of this Agreement unless otherwise
indicated. The headings contained in this Agreement are for reference purposes
only and shall not affect in any way the meaning or interpretation of this
Agreement. Whenever the words "include", "includes" or "including" are used in
this Agreement, they shall be deemed to be followed by the words "without
limitation". The phrase "made available" in this
Agreement shall mean that the information referred to has been made available
if requested by the party to whom such information is to be made available.

7.4 COUNTERPARTS. This Agreement may be executed in two or more counterparts,
all of which shall be considered one and the same agreement and shall become
effective when two or more counterparts have been signed by each of the parties
and delivered to the other parties, it being understood that all parties need
not sign the same counterpart.

7.5 ENTIRE AGREEMENT; NO THIRD PARTY BENEFICIARIES; RIGHTS OF OWNERSHIP. This
Agreement (including the documents and the instruments referred to herein)
constitutes the entire agreement and supersedes all prior agreements and
understandings, both written and oral, among the parties with respect to the
subject matter hereof, and is not intended to confer upon any person other than
the parties hereto any rights or remedies hereunder.

7.6 GOVERNING LAW. This Agreement shall be governed and construed in accordance
with the laws of the State of Nevada without regard to principles of conflicts
of law. Each party hereby irrevocably submits to the jurisdiction of any Nevada
state court or any federal court in the State of Nevada in respect of any suit,
action or proceeding arising out of or relating to this Agreement, and
irrevocably accept for themselves and in respect of their property, generally
and unconditionally, the jurisdiction of the aforesaid courts.

7.7 NO REMEDY IN CERTAIN CIRCUMSTANCES. Each party agrees that, should any
court or other competent authority hold any provision of this Agreement or part
hereof or thereof to be null, void or unenforceable, or order any party to take
any action inconsistent herewith or not to take any action required herein, the
other party shall not be entitled to specific performance of such provision or
part hereof or thereof or to any other remedy, including but not limited to
money damages, for breach hereof or thereof or of any other provision of this
Agreement or part hereof or thereof as a result of such holding or order.

7.8 PUBLICITY. Except as otherwise required by law or the rules of the SEC, so
long as this Agreement is in effect, no party shall issue or cause the
publication of any press release or other public announcement with respect to
the transactions contemplated by this Agreement without the written consent of
the other party, which consent shall not be unreasonably withheld.

7.9 ASSIGNMENT. Neither this Agreement nor any of the rights, interests or
obligations hereunder shall be assigned by any of the parties hereto (whether
by operation of law or otherwise) without the prior written consent of the
other parties, except that WPB may assign, in its sole discretion, any or all
of its rights, interests and obligations hereunder to any direct or indirect
wholly owned subsidiary of such company. Subject to the preceding sentence,
this Agreement will be binding upon, inure to the benefit of and be enforceable
by the parties and their respective successors and assigns.

IN WITNESS WHEREOF, this Agreement for Share Exchange has been signed by the
parties set forth below as of the date set forth above.

WPB FINANCIERS, LTD.

By:__________________________________
President

EFM ENTERPRISES, LTD.

By: /s/
President

ENVIROMAT INDUSTRIES CO. LTD.

By: /s/
President