Document:

POCKETPAY JOINT VENTURE AGREEMENT

This agreement made this 1st day of March 2000 is made by and

between Pilot Island Publishing, Inc. 123 South Woodland Street,

Winter Garden, Florida 34787, a Florida Corporation herein known

as ("PIP") which is also a subsidiary of International Digital

Holding, Inc. (OTC:IDIG) and eConnect, 2500 via Cabrillo, Suite

#112, San Pedro, California 90731, a Nevada Corporation, and its

benefactors and assigns, herein together known as ("eConnect"),

Both PIP and eConnect above together herein referred to

individually as ("party") or collectively as ("parties").

                               Recitals

Whereas, PIP has certain technical skills available with handheld

computer technology and personal digital assistants (PDA's).

Whereas, eConnect has a patent for handheld computing devices

that transmit debit card information.

Whereas, eConnect a s a public company, has the capital,

financial controls, development facilities to facilitate on-line

transactions.

Whereas, the parties wish to create a joint venture herein known

as the ("Project").

Whereas, the corporations related to both parties are in good

standing in their respective states and the officers signing

below have full authority to execute documents on behalf of their

respective corporation.

                              Agreement

The parties do hereby covenant and agree as follows:

1.0  The Project

1.01  The parties will together create a new service and product

for the Internet herein known as the Project.  The Project will

be to create a "Client software/hardware solution" that will

facilitate a secure transaction interface and communications

between handheld computing devices and secure transaction

servers.  The net result to be to provide same as cash

transactions over virtual private networks.  The combined

hardware / software / service is to be known as "PocketPay" an

existing trademark of eConnect.

1.02  The Project will be a joint venture between the parties

above.

1.03  Ownership of intellectual property rights to the name,

brand, and trademark, the products design, patents, pattern,

copyrights, etc. related to the Project shall be shared equally.

1.04  Profits from sales will be equally distributed between both

parties.  Profits are defined as 75% of Gross Profits.  The

balance of 25% of Gross Profits goes into a holdback account for

the benefit of eConnect to be reimbursed startup, development and

operating costs.  Gross Profits are defined as the net

transaction fee or service fee received by eConnect related to

the Project.  If or when the 25% holdback account monthly amount

exceeds monthly cost of operations plus amortized startup costs,

the holdback percentage shall be adjusted downward accordingly.

Financial Math Example:

Transaction Fee                $                    1.00

Gross Profit                   $                    1.00

25% Escrow against costs       $

Profit from this sale          $                    0.75

50/50 split of profits equals  $                    0.375 to
eConnect

                               $                    0.375 to PIP

2.0  PIP'S Representations

PIP represents and agrees to:

2.01  PIP will assist the development of PocketPay at the lowest

possible cost.

2.02  PIP will provide personnel and equipment for programming
and

prototype development.

2.03  PIP will provide the relationship with the industry leader

with PDA's 3COM and their PALM division.

2.04  PIP will provide and oversee the distribution of the client

PQA (Palm Query Application) through industry alliances.

2.05  PIP will work with eConnect through all phases of

development.

2.06  PIP will seek to expand the Project into other form factors

and brands of computers.

3.0  eConnect's Representations:

eConnect represents and agrees to:

3.01  eConnect will provide adequate funding required for all

aspects of the Project including but not limited to providing

main host servers and other related e-commerce equipment and

personnel to maintain website, control finance, marketing, and

customer service.

3.02  eConnect will provide adequate funding required for proper

advertising and marketing of the Project.

3.03  eConnect will provide funds for startup and all direct

related costs of PIP to fulfill the Project's requirements,

payroll, personnel costs, direct equipment costs, and other such

funding as needed, subject to reasonable approval by eConnect.

3.04  eConnect will provide secure e-commerce for the Project and

maintain responsibility for all Bank related affairs, alliances,

and liabilities related to the Project.  eConnect will provide a

secure management website where the parties can get reports on

sales and profits and other related statistics regarding the

Project.

3.05  eConnect will provide accurate and secure records of all

financial transactions, provide responsible management to

maintain accurate records, and be responsible for all related

management liabilities regarding; licenses, permits, income

taxes, sales taxes, and proper payments to related government

agencies, as well as maintain property or product liability

insurance if required.

3.06  eConnect will promote the Project to the best of its
ability

including providing links to any website, buying banner ads,

cross promoting, magazine campaigns and promotions.

4.0  Further Agreed

4.01  No Representation

This Agreement is a joint venture for profit.  This contract in

no other way joins the parties involved.  eConnect and PIP are

and will continue to remain separate entities and separate

corporations and do not in any way represent each other.  PIP

will not be held responsible for any of eConnect's liabilities,

likewise eConnect will not be responsible for any of PIP's

liabilities other than those related to the Project as defined in

this agreement.

4.02  Transaction Path

The Gross Sale shall be made in the name of eConnect.  eConnect

or its assigns will collect and distribute all funds.  The amount

collected shall be verified by eConnect's financial control.

The net amount due PIP will be paid by eConnect with a sales

report on a semi-monthly basis, on the 15th and last day of every

month.

4.03  Term

The term of this Agreement shall be for a minimum of 5 years, or

for the life of the Project, whichever is longer.

4.04  Review of Records

eConnect as a public company is already fully reporting on its

financials, nevertheless, PIP reserves the right to review and

audit the books of eConnect or its assigns which in any way

relate to the Project.  This overall review is subject to a

limitation of three times per year, but shall not limit any

requests for specific documentation.

4.05  Entire Agreement

This Agreement is and represents the entire agreement between the

parties hereto with respect to the subject matter hereof and

supersedes any prior or contemporaneous discussions or agreements

related thereto.  This agreement may not be changed or amended

except as in writing agreed to by both parties.

4.06  Breach

This Agreement will be considered breached if any of the

covenants contained herein come into default for more than 30

days:

By eConnect if it fails to provide required funds, or maintain

accurate records;

By PIP if it fails to provide a workable solution to the Project,

subject of course to the funding provided by eConnect.

4.07  Notice

Official notice must only be given in written form via certified

US Mail to the parties at the addresses above.  Change of address

must also be given by certified written notice to the other

party.

4.08  Remedy

If this Agreement becomes breached, the party giving notice of

default must provide a 30-day remedy period for the party in

default.

4.09  Indemnity

All parties agree to hold harmless each other from any litigation

or liability arising from a gross negligence on the part of the

other party.  All parties remain responsible for their own debts

and operations, no other party may obligate the other under any

circumstances without direct written permission from an officer

of the company to be obligated.

4.10  Governing Law

This Agreement shall be governed by the laws of the United States

and the State of Florida without giving effect to any rules of

conflicts of law.  Venue of any disputes related to this

Agreement shall be in the Middle District of Florida, Orlando

Division.  If there arises any dispute between the parties, both

parties do hereby agree to first submit to non-binding

arbitration with the American Arbitration Association precedent

to any litigation.

4.11  Severability

If any provision of this Agreement is held to be unenforceable,

the remaining provisions shall be unaffected.  Each provision of

this Agreement, which provides for a limitation of liability,

disclaimer or warranties, indemnification, or exclusion of

remedies is severable from and independent of any other

provision.

4.12  Assignment

This contract may only be assigned by either party with the

written approval of the other party, such approval shall not be

unreasonably withheld.

4.13  Change of Control

If there is a sale or change of control of PIP this contract will

automatically be assigned to and fulfilled by, its current parent

company, International Digital Holding, Inc.

4.14  Titles and Headers

The titles and headers used throughout this agreement are for

reference and not substance.

4.15  Counterparts

This agreement may be executed in one or more copies or

counterparts.

IN WITNESS WHEREOF, the parties hereto have caused this Agreement

to be duly executed by their respective authorized representative

as of the date first written above.

For:  eConnect                   For:  Pilot Island Publishing,
Inc.

By: /s/  Thomas S. Hughes        By: /s/  Stephen Froelicher

Thomas S. Hughes, President      Stephen Froelicher, PresidentLETTER OF INTENT

Real Solutions will provide two individuals for the project

management, analytical business development and supervisory

support to eConnect.  The following initial budget estimate sets

forth hours with summary tasks as provided below:

Name            Position          Task
Hours Est.

Bill Uminowicz  Project Manager   Design Summary Plan
8

                                  Review Hardware Presentation
6

Discussions/

Meetings                          GBM, eConnect, Real, eFunds
27

                                  Design business plan
40

                                  For template and models
25

                                  Set up test model outline
28

Total hours for initial

project work
134

Cost charge for Bill Uminowicz:

$325 /hour

Mike Payne      Senior Business/Systems Consultant

                                 Analyze hardware solution

                                 Matrix
75

                                 Report preparation ROI
38

                                 Discussion and review

                                 local work
45

Total hours for initial

project work
158

Cost charges for Mike Payne:  $275/hour

Jim Cudworth    Systems Manager  Review hardware/software

                                 presentation costs
60

Cost charges for Jim Cudworth:  $150/hour

Rob Morrison    Systems Analyst  Test hardware software

                                 Plan
80

Cost charges Rob Morrison $150/hour

Total estimated hours and the initial estimated cost:
$108,000

DELIVERABLES

Hardware/Software Vendor Identification:  Two individuals from

Real Solutions will assist eConnect with the identification and

selection of appropriate vendors that will provide the local

hardware purchase and installation.  Real Solutions/eConnect will

determine the selection criteria.  Real Solutions will interview

prospective vendors and review results with eConnect.  Real

Solutions/eConnect will contractually agree upon chosen vendors.

Configuration Analysis/Determination:  Real Solutions will

conduct an equipment analysis as it pertains to the appropriate

hardware and operating system for this project.  Once completed,

Real Solutions/eConnect will review and contractually agree to

suggested configurations.  Once agreed, the project manager will

determine implementation schedule and define project tasks within

phases, containing milestones and completion dates.

Test Setup of agreed to Configuration of this project is based on

the completion of the previous deliverables.  This will encompass

the installation of agreed upon hardware and operating system,

testing of this system, knowledge transfer of basic operation of

this system, and an analysis of having this test module used as

the template for the installation deployment.

PLEASE NOTE:  Due to the timing of the situation, Real Solutions

requires that eConnect place 75% of all estimated costs for the

above project into an escrow account immediately.  Upon signing

of this letter of intent, the party's will in good faith, prepare

a Statement of Work, which encompasses the complete project

within ten days.  The escrow account will be replenished on a

monthly basis.  Real Solutions will provide monthly invoices and

the payment terms shall be net 15.  Expenses will also include

all reasonable travel and expense costs.  Initial estimate of

travel requirements is $8,250.

A completed formal Statement of Work and summarized project work

plan will be executed within ten days of the signing of this

Letter of Intent.  For contractually purposes all the terms and

conditions of the Master Services Agreement shall be incorporated

herein by referenced.

COMPLETION CRITERIA

Real Solutions will have fulfilled its obligations under this

proposal and statement of work when the following occurs:

Real Solutions accomplishes the tasks, described as Real

Solutions responsibilities in the statement of work, including

the materials referenced as deliverables.

LETTER OF INTENT

                            Letter of Intent

The undersigned agrees to initiate this proposal for work and

fees outlined in performance of the project operation with the

eConnect and Real Solutions.

Dated: March 9, 2000

EConnect                                Real Solutions, Ltd.

By: /s/  Thomas S. Hughes               By: /s/  Michael Payne

Thomas S. Hughes                        Michael Payne

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