Document:

AMENDED AND RESTATED EMPLOYMENT AGREEMENT

This Amended and Restated Agreement (this "Amended Agreement") is
made as of this 22nd day of March 2000, by and between eConnect,
a Nevada corporation (the "Company"), Stanley C. Morris (the
"Executive"), and Corrigan & Morris, the Executive's law firm.

                              Recitals

A.  Stanley C. Morris is a partner of Corrigan & Morris, which
was retained by the Company to act as its counsel in connection
with an investigation conducted by the Securities and Exchange
Commission.

B.  Effective March 21, 2000, Executive and the Company entered
into an Employment Agreement (the "original Agreement"), which
Original Agreement was approved on that day by the Company's
Board of Directors and executed by Tom Hughes, on behalf of the
Company, and Executive.

C.  Upon executing the Original Agreement, Corrigan & Morris was
terminated as counsel for the Company.

D.  Corrigan & Morris has informed the Company, who has had an
opportunity to consult with outside counsel, that it and Stanley
C. Morris have a direct conflict of interest with respect to this
Amended Agreement and do not represent the Company's interests in
this regard.  The Company has had other counsel review and
provide it advice on this Amended Agreement and consents, after
full disclosure to enter into this Amended Agreement.

E.  The Company desires to change the Executive's position in
the Company, effective immediately, from interim Chief Executive
Officer, under the terms and conditions set forth in the Original
Agreement, to outside counsel, in his capacity as a partner of
Corrigan & Morris, for the first three months of this Amended
Agreement, and then General Counsel and Executive Vice President
of the Company starting June 22, 2000, pursuant to the terms and
conditions of this Amended Agreement; and

F.  Executive is willing to accept such change in his position,
provided his compensation under the Original Agreement is not
materially altered and otherwise on the terms and conditions set
forth in this Amended Agreement.

                             Covenants

1.  Position and Term of Employment.  Effective at noon Pacific
Standard Time on March 22, 2000, Executive shall resign as the
Chief Executive Officer of eConnect.  Instead, commencing at the
same moment, the Company shall employ Corrigan & Morris for a
period of three months as its outside co-counsel with Morgan,
Lewis & Bockius for purposes of the ongoing investigation by the
Securities and Exchange Commission.  Neither Executive nor
Corrigan & Morris shall be an officer of the Company during this
period.  At the end of such three month period, starting June 22,
2000, the Company shall employ Executive individually as its
General Counsel and Executive Vice President.  The term of the
Executive's employment as General Counsel and Executive Vice
President shall be three years, commencing on June 22, 2000 and
ending three years later, June 22, 2003, unless terminated sooner
pursuant to Section 3 of this Amended Agreement.  During the term
hereof, Corrigan & Morris, for the first three months, and
Executive, for the remainder of the term of this Amended
Agreement, shall devote a substantial portion of Executive's
time, skill and attention and Executive's best efforts in
carrying out its or his duties and promoting the best interests
of the Company.

2.  Executive Compensation.

2.1  Base Salary.  The Company, Executive and Corrigan & Morris
agree that the Base Salary of $20,000 per month, which has been
paid to Executive in advance for the first six months pursuant to
the terms of the Original Agreement, shall continue to be the
Base Salary to be paid to Executive under this Amended Agreement
for the entire term of this Amended Agreement.  However, for the
three-month period of this Amended Agreement during which
Corrigan & Morris shall be employed hereunder, such Base Salary
shall be earned by Corrigan & Morris instead of Executive
individually, and thereafter by Executive individually.

2.2  Earned on Receipt Signing Bonus.  The Company, Executive and
Corrigan & Morris confirm and agree that the signing bonus set
forth in sections 2.2, 2.2.1, 2.2.2 and 2.2.3 of the Original
Agreement (the "Signing Bonus") was earned by Executive at the
moment of the execution of the Original Agreement; to the extent
not yet paid remains due and payable to Executive; and that
nothing herein should be construed to alter or amend Executive's
right to receive such Signing Bonus in full.  To the extent any
portion of such Signing Bonus is construed by a Court of
competent jurisdiction not to have been earned on signing the
Original Agreement or otherwise prior to this Amended Agreement,
then as to such portion of the Signing Bonus, the Company and
Executive hereby agree that the Company shall pay Executive all
of such Signing Bonus and transfer all of such securities in
consideration for the compromise reflected in this Amended
Agreement.

2.2.1  In respect of section 2.2.1 of the Original Agreement,
the $100,000 paid to Executive shall be retained by Executive.

2.2.2  In respect of section 2.2.2 of the Original Agreement,
the Company immediately shall cause 400,000 shares of freely
tradable eConnect common stock to be transferred to Executive's
brokerage account, pursuant to Executive's instructions.  At the
end of each of the first six months of this Amended Agreement,
the Company shall cause an additional 100,000 shares of freely
tradable eConnect common stock to be transferred to Executive's
brokerage account, pursuant to Executive's instructions.

2.2.3  In respect of section 2.2.3 of the Original Agreement,
the Company immediately shall cause 400,000 of the Company's
warrants, exercisable at $1.00 per share, to be vested in full,
registered, eligible for cashless exercise, and exercisable for a
period of twelve months ending March 21, 2001, to be transferred
to Executive's brokerage account, pursuant to Executive's
instructions.  At the end of each of the first six months of this
Amended Agreement, the Company shall cause an additional 100,000
share of the Company's warrants on the same terms to be
transferred to Executive's brokerage account, pursuant to
Executive's instructions.

2.2.4  Although the Original Agreement calls for transfers of
100,000 shares and 100,000 warrants each month for the term of
that Original Agreement, the Company and Executive understand and
agree that such compensation shall be paid only for the first six
months of the term of this Amended Agreement, despite the fact
that the term of this Amended Agreement is thirty nine months,
rather than six months, as provided in the Original Agreement.

2.3  Executive also shall be eligible for such other upper level
management compensation programs as may be in existence at the
Company at the time of his employment and from time to time
thereafter and that the term of his employment for all purposes
shall be calculated as commencing March 21, 2000.

2.4  If Executive resigns voluntarily (exclusive of a voluntary
resignation under section 3.4 of this Amended Agreement), or
ceases to be employed by the Company for any reason described in
Section 3.1 or 3.3 of this Amended Agreement, Executive shall
return the pro-rata portion of his Base Salary that is unearned
as of the date of such termination.  All other compensation
provided in this Amended Agreement and in the Original Agreement
shall be treated as having been earned upon the execution of the
Original Agreement or this Amended Agreement, whichever is
earliest as the case may be, and in any event shall not be
returned by Executive under any circumstances contemplated by
this Amended Agreement.

2.5  Expenses.  During the term hereof, the Company shall pay or
reimburse Executive and Corrigan & Morris for a monthly auto
allowance of $1,000, payment of Executive's life insurance
premium on $2 million term life insurance, and cellular phone
expenses..  Executive shall also be eligible for reimbursement in
accordance with the Company's normal practices, including but not
limited to any travel, hotel and other expenses or disbursements
reasonably incurred or paid by Executive in connection with the
services performed by Executive hereunder.

2.6  Other Benefits.  Executive shall be entitled to participate
in life, medical, dental, hospitalization, disability and life
insurance benefit plans made available by the Company to its
salaried employees and shall also be eligible to participate in
existing retirement or pension plans offered by the Company to
its salaried employees.

2.7  Directors and Officers Insurance.  Prior to the commencement
of Executive's role as General Counsel and Executive Vice
President on June 22, 2000, the Company shall provide Executive
Directors and Officers Insurance by an insurance company
acceptable to Executive ensuring Executive against liability up
to $20 million per occurrence, effective throughout the term of
this Amended Agreement.  If no such insurance is obtained in
advance, then in addition to is obligation to obtain such
insurance forthwith, the Company immediately and before June 22,
2000 shall pay a retainer in the amount of $250,000 to a law firm
of Executive's choice, for the sole benefit of Executive, for the
purpose of providing costs of defense, liability and/or
settlement of any action that may be brought against Executive in
connection with or arising out of the Original Agreement, this
Amended Agreement and/or his employment with the Company, and to
pay such other claims as Executive may have against the Company
under the terms of this Amended Agreement.  Such retainer, once
paid, shall be refundable to the Company only upon the written
consent and approval of Executive.

2.8  Indemnification.  The Company shall indemnify Executive,
Corrigan & Morris and Brian t. Corrigan, to the maximum extent
permitted by applicable law, against all liabilities, costs,
charges and expenses (including reasonable attorneys' fees and
disbursements) incurred or sustained by it or them in connection
with any action, suit or proceeding to which it, he or they may
be made a party as a result of their services hereunder or under
the Original Agreement on behalf of the Company pursuant to this
Amended Agreement or the Original Agreement, provided that such
liabilities, costs, charges and expenses do not result from the
willful misconduct or gross negligence of such indemnified
parties.

2.9  Fees and Expenses.  The Company shall pay all legal fees and
related expenses (including the costs of experts, evidence and
counsel) incurred by the Executive as they become due as a result
of (a) the Executive's termination of employment (including all
such fees and expenses, if any, incurred in contesting or
disputing any such termination of employment), and (b) the
Executive seeking to obtain or enforce any right or benefit
provided by this Amended Agreement, including, but not limited
to, any such fees and expenses incurred in connection with any
dispute regarding the Signing Bonus, whether as a result of any
applicable government proceeding, audit or otherwise.

3.  Termination.

3.1  This Amended Agreement shall terminate upon Executive's
death.

3.2  The Company may terminate Executive's and/or Corrigan &
Morris' employment hereunder upon fifteen (15) days' written
notice if in the opinion of the Board of Directors, Executive's
physical or mental disability has continued or is expected to
continue for one hundred and eighty (180) consecutive days and as
a result thereof, Executive will be unable to continue the proper
performance of his duties hereunder.

3.3  The Company may terminate Executive's employment hereunder
"for cause" (as hereinafter defined).  If Executive's employment
is terminated for cause, Executive's salary and all other rights
not then vested under this Amended Agreement shall terminate upon
written notice of termination being given by Executive.  As used
herein, the term "for cause" shall exclusively mean the
occurrence of any of the following:

3.3.1  Executive's disregard of a direct, material order of
the Executive Committee or the Board of Directors of the Company,
the substance of which order is (a) a proper duty of Executive
pursuant to this Amended Agreement; (b) permitted by law and (c)
otherwise permitted by this Amended Agreement, which disregard
continues after fifteen (15) days' opportunity and failure to
cure; or

3.3.2  Executive's conviction of a felony or any crime
involving moral turpitude.

3.4  Executive and Corrigan & Morris may terminate this Amended
Agreement at any time if Executive believes, in good faith, that
the Company has violated the securities law or regulations and,
after 15 days written notice of such violations, fails to take
all appropriate measures to cure such violations.  In the event
the Company and Executive disagree as to what "appropriate
measures" are necessary to cure such violations, Tom Taylor of
Morgan, Lewis & Bockius, or such other lawyer assigned by that
firm in its sole and absolute discretion, shall be the sole
arbitrator of such dispute.  The Company hereby waives any and
all conflicts of interest related to such decision.  In addition,
Executive and Corrigan & Morris may terminate this Amended
Agreement at any time if Executive believes, in good faith, that
the Company intends to violate the securities law or regulations
by making a public disclosure containing material errors and
omissions.  In the event the Company and Executive disagree as to
whether such public disclosure violates the securities law or
regulations, then Tom Taylor of Morgan, Lewis & Bockius, or such
other lawyer assigned by that firm in its sole and absolute
discretion, shall be the sole arbitrator of such dispute.  The
Company hereby waives any and all conflicts of interest related
to such decision.  In the event Executive or Corrigan & Morris
terminates this Amended Agreement under this provision, such
termination shall be treated as a termination by the Company
pursuant to section 3.2 above, and Executive and Corrigan &
Morris shall be entitled to all compensation provided under
section 2, section 2.1 through 2.9, inclusive, of this Amended
Agreement.

4.  Successors and Assigns.  This Amended Agreement is intended
to bind and inure to the benefit of and be enforceable by
Executive, Corrigan & Morris and the Company and their respective
legal representatives, successors and assigns.  Neither this
Amended Agreement nor any of the duties or obligations hereunder
shall be assignable by Executive or Corrigan & Morris.

5.  Governing Law; Jurisdiction.  This Amended Agreement shall
be interpreted and construed in accordance with the laws of the
State of California.  Each of the Company and Executive consents
to the jurisdiction of any state or federal court sitting in
California, in any action or proceeding arising out of or
relating to this Amended Agreement.

6.  Headings.  The paragraph headings used in this Amended
Agreement are for convenience of reference only and shall not
constitute a part of this Amended Agreement for any purpose or in
any way affect the interpretation of this Amended Agreement.

7.  Severability.  If any provision, paragraph or subparagraph
of this Amended Agreement is adjudged by any court to be void or
unenforceable in whole or in part, this adjudication shall not
affect the validity of the remainder of this Amended Agreement.

8.  Complete Agreement.  This document and the Original
Agreement embody the complete agreement and understanding among
the parties, written or oral, which may have related to the
subject matter hereof in any way and shall not be amended orally,
but only by the mutual agreement of the parties hereto in
writing, specifically referencing this Amended Agreement.

9.  Survivorship.  This Amended Agreement, including all
provisions in Section 2, 2.1 through 2.9, inclusive, shall
survive the termination of this Amended Agreement under Section 3
or otherwise.

10.  Counterparts.  This Amended Agreement may be executed in one
or more separate counterparts, all of which taken together shall
constitute one and the same Agreement.  This Amended Agreement
shall be valid and enforceable once signed by a duly authorized
representative of each of the Parties, whether such signature is
transmitted by facsimile, represented by a photocopy or in
original form.

eConnect

By: /s/  Thomas S. Hughes
Thomas S. Hughes
Title:  Chairman & CEO

Executive

By: /s/  Stanley C. Morris
Stanley C. Morris
Title: Interim Chief Executive OfficerCHINA-SINGAPORE-HONG KONG-MACAO
                      JOINT VENTURE AGREEMENT

AGREEMENT made and entered into this 27th day of March 2000 by
and between eConnect, and Raymond Kessler and Li-Wang Kessler
(hereinafter "Kesslers").  The parties hereto have agreed and by
these statements do hereby agree to associate themselves as Joint
Venturers on the following terms and conditions.

                       PURPOSE OF JOINT VENTURE

Create a joint venture between eConnect and Kesslers.  Kesslers
will deliver a delegation from China to a meeting in the United
States with eConnect to discuss launching eConnect services in
China.  Subsequent meetings with China Delegation contact(s) and
their associates will explore forging business relationships in
Singapore, Hong Kong, Macao and other countries.

                          TERMS OF AGREEMENT

1.  Responsibilities:  Kesslers will deliver the China
Delegation to a meeting in the United States.  Kesslers (Li-Wang)
a trusted resource to the head of the China Delegation will
provide translation services (Mandarin) to the delegation and
facilitate relationship - building between the China Delegation
and eConnect to facilitate successful negotiations and execution
of agreements.  Kesslers will work to enhance communication with
the China Delegation and create all necessary documents and
correspondence in English.

2.  Compensation Paid by eConnect to Kesslers:

(a)  300,000 shares of free-trading eConnect stock.  A flat fee in
stock for delivering the China Delegation to an eConnect meeting
hosted in the United States and not contingent upon any outcomes
of the meeting.  Said compensation to be due Kesslers upon
commencement of the China Delegation meeting.

(b)  1% of daily transaction fee revenue generated from a China
portal, and 1% of daily transaction fee revenue generated from
other portals and agreements arising out of the China delegation
and their associates.  Said compensation to be paid to Kesslers
every thirty (30) days.

(c)  300,000 shares of free trading eConnect stock per location
for each Proof of Concept Test generated or if the subject test
is waived then for each eConnect portal established/initiated at
each location excluding China (Proof of Concept Test is set forth
in Exhibit A - attached hereto and incorporated by reference).

3.  Compensation Justification:  The parties hereto recognize
China as one of the most potentially lucrative and difficult
markets to penetrate in the world.  The parties further recognize
that Contacts/Personal Relationship is the only access to
presenting and sustaining business in the cultural context of
China and that influential and reliable contacts are extremely
difficult to establish.  The above compensation is based on:

(a)  The caliber of this China Delegation and their ability to
interact with high level decision makers in China and elsewhere,
and

(b)  The long-term relationship of trust established between
Kesslers and the head of the China Delegation, which will
minimize communication, cultural, and trust impediments of doing
business with this group, and ultimately to penetrating the
markets in which they have influence.

4.  Additional Compensation:  In addition to the compensation as
set forth above, as additional consideration to Kesslers for
entering into this Agreement, eConnect will upon execution of
this Agreement deliver to Kesslers 35,000 shares of free-trading
eConnect stock that was owed to Kesslers by eConnect from a
previous business transaction (issuance of shares to Raymond
Kessler).

5.  Taxes:  Each party is only solely responsible for the
payment of their own taxes (State and Federal) that arises from
this Agreement.

6.  Term of Joint Venture:  The term of this Joint Venture shall
commence on execution of this Agreement and continues until the
Kesslers elect to end their active participation and only be
entitled to receive their compensation for ongoing fees and
revenues and expanded fees and revenues.

7.  Capital Contribution and Losses:  Kesslers will not be
required to contribute any capital to this Joint Venture
Agreement at any time.  All losses will be borne only by eConnect
and not by the Kesslers and eConnect will be solely responsible
for any and all losses associated with and resulting from this
Joint Venture Agreement.

8.  Indemnification:  eConnect shall reimburse and indemnify and
defend and hold harmless Kesslers from any and all expense,
liabilities, attorney fees, damages, claims, lawsuits, SEC
investigations and lawsuits and any and all types of private or
governmental claims, investigations and lawsuits resulting from
or arising out of the subject joint venture or any non-joint-
venture business of eConnect (other business).  EConnect further
agrees to name the Kesslers as an additional insured on all
insurance policies pertaining to eConnect concerning this Joint
Venture Agreement.

9.  Notices:  Any notice required by this Agreement must be in
writing and sent certified mail to the parties.

10.  Accounting:  Kesslers will have the right at all times to
inspect any and all accounting records maintained by eConnect
pertaining to this Joint Venture.

11.  Scope of Joint Venture:  This Joint Venture Agreement
between eConnect and Kesslers only pertains to this "China-
Singapore-Hong Kong Joint Venture" and does not create any type
of agency or partnership or joint venture or any other type of
business relationship (except shareholder status of Kesslers)
pertaining to/concerning eConnect's "other" operations i.e.
eConnect operations excluding China, Singapore, and Hong Kong and
Macao.

12.  Definitions:

(a)  China Delegation - means one or more persons.  Meeting of
China Delegates means and includes audio-conferencing and any
other forms of meetings that are "not in person" meetings.

(b)  Compensation - this term pertains to all agreements to
establish eConnect portal access to each location irrespective of
where the portal is geographically located (the China portal
hardware and control will likely be housed outside of China and
probably in Hong Kong).  Compensation also includes all
countries, provinces, etc. that globally develop from this
Agreement and the contacts arising from this Joint Venture
Agreement and pertains to all agreements arising out of both
current and future negotiations involving the China Delegation
and or their agents and partners.

13.  Severability:  If any term, provision, covenant, or
condition of this Agreement is held by a court of competent
jurisdiction to be invalid, void, or unenforceable, the rest of
the Agreement shall remain in full force and effect and shall in
no way be affected, impaired, or invalidated.  The parties may
execute this Agreement in two or more counterparts, which shall,
in the aggregate, be signed by  all parties; each counter-part
shall be deemed an original instrument as against any party who
has signed it.

14.  Governing Law:  This Agreement is executed and intended to
be performed in the State of California, and the laws of that
state shall govern its interpretation and effect.

15.  Successors:  This Agreement shall be binding on and inure to
the benefit of the respective successors, assigns, and personal
representatives of the parties, except to the extent of any
contrary provision in this Agreement.

16.  Sole and Only Agreement:  This instrument contains the sole
and only agreement between the parties hereto relating to their
joint venture and correctly sets forth the rights, duties, and
obligations of each to the other in connection therewith as of
its date.  Any prior agreements, promises, negotiations, or
representations not expressly set forth in this Agreement are of
no force or effect.

17.  Amendment and Modification:  This Agreement may be amended
or modified in any way by an instrument in writing signed by the
parties hereto and attached to this Agreement.  Interlineation of
this Agreement is permitted if signed by each party.

EXECUTED at Los Angeles County, California on the day and year
first above written.

eConnect

By: /s/  Thomas S. Hughes
Thomas S. Hughes, President

/s/  Raymond Kessler
Raymond Kessler

/s/  Li-Wang Kessler
Li-Wang Kessler

                       PROOF OF CONCEPT TEST

Proof of Concept is defined as the usage of four (4) eConnect
PayMasters calling from a home, office, hotel room and public
location to our eConnect bank host processing center located in
the eConnect partners' country.

The test will be of three types:

A bill payment by ATM card with PIN or by a value added card
which represents cash and which we are calling the EzyCard.  This
is known as the EzyPay service.

A self-service cash pay per play wager to the eConnect 777WINS
Internet Casino and to eConnect eSportsbet.com.  The payment will
again be by ATM card with PIN or by EzyCard.  This is known as
the EzyBet service.

A purchase from a catalog using a credit card or ATM card or
EzyCard.  This is known as the EzyShop service.

What eConnect will do at eConnect's cost:

We will install a basic eConnect Host Processor that is linked
with the Partner's choice of banks.

We will provide the software and Paymaster equipment and will pay
for the phone links between the eConnect host processing center
and the bank, which will be authorizing the ATM card or credit
card or EzyCard.

What the eConnect Partner will do:

Establish the relationship with the bank in order to run the
Proof of Concept Test.

Establish a bill payment participant who will be paid by an
EzyPay transaction.

Establish a catalog participant who will be paid by an EzyShop
transaction.

Upon Successful Conclusion of the eConnect Proof of Concept Test:

eConnect and the China Partner will enter into a 50/50 Joint
Venture to develop the P.E.R.F.E.C.T. (Personal Encrypted Remote
Financial Electronic Card Transactions) industry in the Partner
Country.

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