Document:

CONSULTING SERVICES AGREEMENT

This Consulting Agreement ("Agreement"), dated January 26, 2000,

is made by and between Coldwater Capital, L.L.C., a Florida

limited liability company ("Consultant"), whose address is 5309

S.W. 8th Court, Margage, Florida 33068, and eConnect, a Nevada

corporation ("Client"), having its principal place of business at

2500 Via Cabrillo Marina, Suite 112, San Pedro, California 90731.

WHEREAS, Consultant has knowledge and expertise in the area of

management consulting and analysis, and general corporate

planning;

WHEREAS, Consultant desires to be engaged by Client to provide

information, evaluation and consulting services to the Client in

its area of knowledge and expertise on the terms and subject to

the conditions set forth herein;

WHEREAS, Client is a publicly held corporation with its common

stock shares trading on the Over the Counter Bulletin Board under

the ticker symbol "ECNC," and desires to further develop its

business and increase it's common stock share's value; and

WHEREAS, Client desires to engage Consultant to provide

information, evaluation and consulting services to the Client in

its area of knowledge and expertise on the terms and subject to

the conditions set forth herein.

NOW, THEREFORE, in consideration for those services Consultant

provides to Client, the parties agree as follows:

1.  Services of Consultant.

Consultant agrees to perform for the Client all services and

consulting related to management consulting and analysis, and

general corporate planning.  Consulting services include, but are

not limited to, providing information, evaluation, and analysis

with regard to the management needs of Client and planning goals

for the Client.

2.  Consideration.

Client agrees to pay Consultant, as its fee and as consideration

for services provided, Three Million Nine Hundred Thousand

(3,900,000) shares of free trading common stock in Client.  The

warrants are due and payable immediately upon the effectiveness

of the Form SB-2 Registration Statement with the U.S. Securities

and Exchange Commission and with any appropriate states

securities administrator.

3.  Confidentiality.

Each party agrees that during the course of this Agreement,

information that is confidential or of a proprietary nature may

be disclosed to the other party, including, but not limited to,

product and business plans, software, technical processes and

formulas, source codes, product designs, sales, costs and other

unpublished financial information, advertising revenues, usage

rates, advertising relationships, projections, and marketing data

("Confidential Information"). Confidential Information shall not

include information that the receiving party can demonstrate (a)

is, as of the time of its disclosure, or thereafter becomes part

of the public domain through a source other than the receiving

party, (b) was known to the receiving party as of the time of its

disclosure, (c) is independently developed by the receiving party

or (d) is subsequently learned from a third party not under a

confidentiality obligation to the providing party.

4.  Late Payment.

Client shall pay to Consultant all fees within fifteen (15) days

of the due date. Failure of Client to finally pay any fees within

fifteen (15) days after the applicable due date shall be deemed a

material breach of this Agreement, justifying suspension of the

performance of the "Services" provided by Consultant, will be

sufficient cause for immediate termination of this Agreement by

Consultant. Any such suspension will in no way relieve Client

from payment of fees, and, in the event of collection

enforcement, Client shall be liable for any costs associated with

such collection, including, but not limited to, legal costs,

attorneys' fees, courts costs, and collection agency fees.

5.  Indemnification.

(a)  Client.

Client agrees to indemnify, defend, and shall hold harmless

Consultant and /or his agents, and to defend any action brought

against said parties with respect to any claim, demand, cause of

action, debt or liability, including reasonable attorneys' fees

to the extent that such action is based upon a claim that: (i) is

true, (ii) would constitute a breach of any of Client's

representations, warranties, or agreements hereunder, or (iii)

arises out of the negligence or willful misconduct of Client, or

any Client Content to be provided by Client and does not violate

any rights of third parties, including, without limitation,

rights of publicity, privacy, patents, copyrights, trademarks,

trade secrets, and/or licenses.

(b)  Consultant.

Consultant agrees to indemnify, defend, and shall hold harmless

Client, its directors, employees and agents, and defend any

action brought against same with respect to any claim, demand,

cause of action, debt or liability, including reasonable

attorneys' fees, to the extent that such an action arises out of

the gross negligence or willful misconduct of Consultant.

(c)  Notice.

In claiming any indemnification hereunder, the indemnified party

shall promptly provide the indemnifying party with written notice

of any claim, which the indemnified party believes falls within

the scope of the foregoing paragraphs. The indemnified party may,

at its expense, assist in the defense if it so chooses, provided

that the indemnifying party shall control such defense, and all

negotiations relative to the settlement of any such claim. Any

settlement intended to bind the indemnified party shall not be

final without the indemnified party's written consent, which

shall not be unreasonably withheld.

6.  Limitation of Liability.

Consultant shall have no liability with respect to Consultant's

obligations under this Agreement or otherwise for consequential,

exemplary, special, incidental, or punitive damages even if

Consultant has been advised of the possibility of such damages.

In any event, the liability of Consultant to Client for any

reason and upon any cause of action, regardless of the form in

which the legal or equitable action may be brought, including,

without limitation, any action in tort or contract, shall not

exceed ten percent (10%) of the fee paid by Client to Consultant

for the specific service provided that is in question.

7.  Termination and Renewal.

(a)  Term.

This Agreement shall become effective on the date appearing next

to the signatures below and terminate one (1) year thereafter.

Unless otherwise agreed upon in writing by Consultant and Client,

this Agreement shall not automatically be renewed beyond its

Term.

(b)  Termination.

Either party may terminate this Agreement on thirty (30) calendar

days written notice, or if prior to such action, the other party

materially breaches any of its representations, warranties or

obligations under this Agreement. Except as may be otherwise

provided in this Agreement, such breach by either party will

result in the other party being responsible to reimburse the non-

defaulting party for all costs incurred directly as a result of

the breach of this Agreement, and shall be subject to such

damages as may be allowed by law including all attorneys' fees

and costs of enforcing this Agreement.

(c)  Termination and Payment.

Upon any termination or expiration of this Agreement, Client

shall pay all unpaid and outstanding fees through the effective

date of termination or expiration of this Agreement. And upon

such termination, Consultant shall provide and deliver to Client

any and all outstanding services due through the effective date

of this Agreement.

8.  Miscellaneous.

(a)  Independent Contractor.

This Agreement establishes an "independent contractor"

relationship between Consultant and Client.

(b)  Rights Cumulative; Waivers.

The rights of each of the parties under this Agreement are

cumulative.  The rights of each of the parties hereunder shall

not be capable of being waived or varied other than by an express

waiver or variation in writing.  Any failure to exercise or any

delay in exercising any of such rights shall not operate as a

waiver or variation of that or any other such right.  Any

defective or partial exercise of any of such rights shall not

preclude any other or further exercise of that or any other such

right.  No act or course of conduct or negotiation on the part of

any party shall in any way preclude such party from exercising

any such right or constitute a suspension or any variation of any

such right.

(c)  Benefit; Successors Bound.

This Agreement and the terms, covenants, conditions, provisions,

obligations, undertakings, rights, and benefits hereof, shall be

binding upon, and shall inure to the benefit of, the undersigned

parties and their heirs, executors, administrators,

representatives, successors, and permitted assigns.

(d)  Entire Agreement.

This Agreement contains the entire agreement between the parties

with respect to the subject matter hereof.  There are no

promises, agreements, conditions, undertakings, understandings,

warranties, covenants or representations, oral or written,

express or implied, between them with respect to this Agreement

or the matters described in this Agreement, except as set forth

in this Agreement.  Any such negotiations, promises, or

understandings shall not be used to interpret or constitute this

Agreement.

(e)  Assignment.

Neither this Agreement nor any other benefit to accrue hereunder

shall be assigned or transferred by either party, either in whole

or in part, without the written consent of the other party, and

any purported assignment in violation hereof shall be void.

(f)  Amendment.

This Agreement may be amended only by an instrument in writing

executed by all the parties hereto.

(g)  Severability.

Each part of this Agreement is intended to be severable.  In the

event that any provision of this Agreement is found by any court

or other authority of competent jurisdiction to be illegal or

unenforceable, such provision shall be severed or modified to the

extent necessary to render it enforceable and as so severed or

modified, this Agreement shall continue in full force and effect.

(h)  Section Headings.

The Section headings in this Agreement are for reference purposes

only and shall not affect in any way the meaning or

interpretation of this Agreement.

(i)  Construction.

Unless the context otherwise requires, when used herein, the

singular shall be deemed to include the plural, the plural shall

be deemed to include each of the singular, and pronouns of one or

no gender shall be deemed to include the equivalent pronoun of

the other or no gender.

(j)  Further Assurances.

In addition to the instruments and documents to be

made, executed and delivered pursuant to this Agreement, the

parties hereto agree to make, execute and deliver or cause to be

made, executed and delivered, to the requesting party such other

instruments and to take such other actions as the requesting

party may reasonably require to carry out the terms of this

Agreement and the transactions contemplated hereby.

(k)  Notices.

Any notice which is required or desired under this Agreement

shall be given in writing and may be sent by personal delivery or

by mail (either a. United States mail, postage prepaid, or b.

Federal Express or similar generally recognized overnight

carrier), addressed based on information as provided by the

parties.

(l)  Governing Law.

This Agreement shall be governed by the interpreted in accordance

with the laws of the State of California without reference to its

conflicts of laws rules or principles.  Each of the parties

consents to the exclusive jurisdiction of the federal courts of

the State of California in connection with any dispute arising

under this Agreement and hereby waives, to the maximum extent

permitted by law, any objection, including any objection based on

forum non coveniens, to the bringing of any such proceeding in

such jurisdictions.

(m)  Consents.

The person signing this Agreement on behalf of each

party hereby represents and warrants that he has the necessary

power, consent and authority to execute and deliver this

Agreement on behalf of such party.

(n)  Survival of Provisions.

The provisions as contained in sections 3, 5, and 6 of

this Agreement shall survive the termination of this Agreement.

(o)  Execution in Counterparts.

This Agreement may be executed in any number of

counterparts, each of which shall be deemed an original and all

of which together shall constitute one and the same agreement.

IN WITNESS WHEREOF, the parties have caused this

Agreement to be executed and have agreed to and accepted the

terms herein on the date written above.

eConnect

By :  /s/  Thomas S. Hughes

Thomas S. Hughes, President

Coldwater Capital, L.L.C.

By: /s/ Marc Tow

Marc Tow, MemberCONSULTANT AGREEMENT

2/2/00

This Agreement states that Harvey M. Burstein shall receive

500,000 warrants for eConnect common stock, which are exercisable

at $0.40 per share until December 31, 2000.  This agreement is in

consideration of consulting work performed by Mr. Burstein in

1999.

/s/  Thomas S. Hughes                    /s/  Harvey M. Burstein

Thomas S. Hughes                         Harvey M. Burstein

Chairman & CEO, eConnect

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