Document:

Exhibit 4.1

                                  CYPOST CORP.
                       2001 CONSULTANTS STOCK OPTION PLAN

SECTION 1. GENERAL PURPOSE OF PLAN; DEFINITIONS.
------------------------------------------------

     The name of this plan is the CyPost Corp. 2001 Consultants Stock Plan (the
"Plan").  The Plan was adopted by the Board on November 15, 2001.  The purpose
of the Plan is to enable the company to attract and retain highly qualified
personnel who will contribute to the Company's success by their ability,
ingenuity and industry and to provide incentives to the participating officers,
employees, directors, and advisors that are linked directly to increases in
stockholder value and will therefore inure to the benefit of all stockholders of
the Company.

     For purposes of the Plan, the following terms shall be defined as set forth
below:

     "Act" means Securities Exchange Act of 1934, as amended.

     "Administrator" means the Board, or if the Board does not administer the
Plan, the Committee in accordance with Section 2.

     "Board" means the Board of Directors of the Company.

     "Code" means the Internal Revenue Code of 1986, as amended from time to
time, or any successor thereto.

     "Committee" means the Committee of the Board designated from time to time
by the Board to be the Administrator.

     "Commission" means Securities and Exchange Commission.

     "Company" means CyPost Corp., a Delaware corporation (or any successor
corporation).

     "Disability" means the inability of a Participant to perform substantially
his duties and responsibilities to the Company by reason of a physical or mental
disability or infirmity (i) for a continuous period of six months, or (ii) at
such earlier time as the Participant submits medical evidence satisfactory to
the Company that he has a physical or mental disability or infirmity which will
likely prevent him from returning to the performance of his work duties for six
months or longer. The date of such Disability shall be on the last day of such
six-month period or the day on which the Participant submits such satisfactory
medical evidence, as the case may be.

     "Effective Date" shall mean the date provided pursuant to Section 9.

     "Eligible Employee" means an employee of the Company eligible to
participate in the Plan pursuant to Section 4.

<PAGE>
     "Fair Market Value" means, as of any given date, with respect to any awards
granted hereunder, at the discretion of the Administrator and subject to such
limitations as the Administrator may impose, (A) if the Stock is publicly
traded, the closing sale price of the Stock on such date as reported in the Wall
Street Journal, or the average of the closing price of the Stock on each day on
which the Stock was traded over a period-of up to twenty trading days
immediately prior to such date, (B) the fair market value of the Stock as
determined in accordance with a method prescribed in the agreement evidencing
any award hereunder, or (C) the fair market value of the Stock as otherwise
determined by the Administrator in the good faith exercise of its discretion.

     "Incentive Stock Option" or "ISO" means any Stock Option intended to be
designated as an "incentive stock option" within the meaning of Section 422 of
the Code (and any successor provision of the Code having a similar intent).

     "Non-Qualified Stock Option" or "NQSO" means any Stock Option that is not
an Incentive Stock Option, including any Stock Option that provides (as of the
time such option is granted) that it will not be treated as an Incentive Stock
Option.

     "Parent Corporation" means any corporation (other than the Company) in an
unbroken chain of corporations ending with the Company, if each of the
corporations in the chain (other than the Company) owns stock possessing 50% or
more of the combined voting power of all classes of stock in one of the other
corporations in the chain.

     "Participant" means any Eligible Employee, consultant or advisor to the
Company selected by the Administrator, pursuant to the Administrator's authority
in Section 2 below, to receive grants of Stock Options.

     "Stock" means the Common Stock, $0.00l par value, of the Company.

     "Stock Option" means any option to purchase shares of Stock granted
pursuant to Section 5.

     "Subsidiary" means any corporation (other than the Company) in an unbroken
chain of corporations beginning with the Company, if each of the corporations
(other than the last corporation) in the unbroken chain owns stock possessing
50% or more of the total combined voting power of all classes of stock in one of
the other corporations in the chain.

SECTION 2.  ADMINISTRATION
--------------------------

     The Plan shall be administered by the Board or by the Committee which shall
be appointed by the Board and which shall serve at the pleasure of the Board.

<PAGE>
     The Administrator shall have the power and authority to grant Stock Options
to Eligible Employees, consultants and advisors to the Company, pursuant to the
terms of the Plan.

     In particular, the Administrator shall have the authority:

     (a)  to select those employees of the Company who shall be Eligible
Employees;

     (b)  to determine whether and to what extent Stock Options are to be
granted hereunder to Eligible Employees, consultants and advisors to the
Company;

     (c)  to determine the number of shares to be covered by each Stock Option
granted hereunder;

     (d)  to determine the terms and conditions, not inconsistent with the terms
of the Plan, of any Stock Option granted hereunder; and

     (e)  to determine the terms and conditions, not inconsistent with the terms
of the Plan, which shall govern all written instruments evidencing the Stock
Options.

     The Administrator shall have the authority, in its discretion, to adopt,
alter and repeal such administrative rules, guidelines and practices governing
the Plan as it shall from time to time deem advisable; to interpret the terms
and provisions of the Plan and any award issued under the Plan (and any
agreements relating thereto); and to otherwise supervise the administration of
the Plan.

     All decisions made by the Administrator pursuant to the provisions of the
Plan shall be final and binding on all persons, including the Company and the
Participants.

SECTION 3. STOCK SUBJECT TO PLAN.
---------------------------------

     The total number of shares of Stock reserved and available for issuance
under the Plan (and the total number of shares that may be granted as ISO's)
shall be 200,000 shares of Stock.  Such shares may consist, in whole or in part,
of authorized and unissued shares or treasury shares.

     To the extent that a Stock Option expires or is otherwise terminated
without being exercised, such shares shall again be available for issuance in
connection with future awards under the Plan.  If any shares of Stock have been
pledged as collateral for indebtedness incurred by a Participant in connection
with the exercise of a Stock Option and such shares are returned to the Company
in satisfaction of such indebtedness, such shares shall again be available for
issuance in connection with future awards under the Plan.  To the extent that a
Participant is eligible to use, and uses, shares of Stock to exercise a Stock
Option, the number of Shares of Stock so used shall be available for issuance in
connection with future awards under the Plan.

<PAGE>
     In the event of any merger, reorganization, consolidation,
recapitalization, stock dividend or other change in corporate structure
affecting the Stock, an appropriate substitution or adjustment shall be made in
the aggregate number of shares reserved for issuance under the Plan as may be
determined by the Administrator, in its sole discretion.  Any other
substitutions or adjustments shall be made as may be determined by the
Administrator, in its sole discretion.  In connection with any event described
in this paragraph, the Administrator may provide, in its discretion, for the
cancellation of any outstanding awards and payment in cash or other property
therefor.

SECTION 4. ELIGIBILITY.
-----------------------

     Officers (including officers who are directors of the Company), directors,
employees of the Company, and advisors to the Company who are responsible for or
contribute to the management, growth and/or profitability of the business of the
Company shall be eligible to be granted Stock Options. The Participants under
the Plan shall be selected from time to time by the Administrator, in its sole
discretion, from among the Eligible Employees, consultants and advisors to the
Company recommended by the senior management of the Company, and the
Administrator shall determine, in its sole discretion, the number of shares
covered by each award.

SECTION 5. STOCK OPTIONS.
-------------------------

     Any Stock Option granted under the Plan shall be in such form as the
Administrator may from time to time approve, and the provisions of Stock Option
awards need not be the same with respect to each optionee. Recipients of Stock
Options shall enter into a subscription and/or award agreement with the Company,
in such form as the Administrator shall determine which agreement shall set
forth, among other things, the exercise price of the option, the term of the
option and provisions regarding exercisability of the option granted thereunder.

     The Stock Options granted under the Plan may be of two types:  (i)
Incentive Stock Options and (ii) Non-Qualified Stock Options.

     The Administrator shall have the authority to grant any Eligible Employee
Incentive Stock Options, Non-Qualified Stock Options, or both types of Stock
Options.  Consultants and advisors may only be granted Non-Qualified Stock
Options.  To the extent that any Stock Option does not qualify as an Incentive
Stock Option, it shall constitute a separate Non-Qualified Stock Option.  More
than one option may be granted to the same optionee and be outstanding
concurrently hereunder.

     Stock Options granted under the Plan shall be subject to the following
terms and conditions and shall contain such additional terms and conditions, not
inconsistent with the terms of the Plan, as the Administrator shall deem
desirable:

     (1)  Option Price.  The option price per share of Stock purchasable under a
          ------------
Stock Option shall be determined by the Administrator in its sole discretion at
the time of grant but shall not, (i) in the case of Non-Qualified Stock Options,

<PAGE>
be less than 75% of the Fair Market Value of the Stock on such date, and (ii) in
any event, be less than the par value of the Stock.  If an employee owns or is
deemed to own (by reason of the attribution rules applicable under Section
425(d) of the Code) more than 10% of the combined voting power of all classes of
stock of the Company or any Parent Corporation and an Incentive Stock Option is
granted to such employee, the option price of such Incentive Stock Option (to
the extent required by the Code at the time of grant) shall be no less than 110%
of the Fair Market Value of the Stock on the date such Incentive Stock Option is
granted.

     (2)  Option Term.  The term of each Stock Option shall be fixed by the
          -----------
Administrator, but no Stock Option shall be exercisable more than ten years
after the date such Stock Option is granted; provided, however that if an
employee owns or is deemed to own (by reason of the attribution rules of Section
425(d) of the Code) more than 10% of the combined voting power of all classes of
stock of the Company or any Parent Corporation and an Incentive Stock Option is
granted to such employee, the term of such Incentive Stock Option (to the extent
required by the Code at the time of grant) shall be no more than five years from
the date of grant.

     (3)  Exercisability.  Stock Options shall be exercisable at such time or
          --------------
times and subject to such terms and conditions as shall be determined by the
Administrator at or after grant.  The Administrator may provide, in its
discretion, that any Stock Option shall be exercisable only in installments, and
the Administrator may waive such installment exercise provisions at any time in
whole or in part based on such factors as the Administrator may determine, in
its sole discretion.

     (4)  Method of Exercise.  Subject to Section 5(3) above, Stock Options may
          ------------------
be exercised in whole or in part at any time during the option period, by giving
written notice of exercise to the Company specifying the number of shares to be
purchased, accompanied by payment in full of the purchase price in cash or in
such other form of consideration as is set forth in the related Stock Option
agreement as determined by the Administrator.  As determined by the
Administrator, in its sole discretion, payment in whole or in part may also be
made in the form of unrestricted Stock already owned by the optionee; provided,
however, that the right to make payment in the form of already own ed shares may
be authorized only at the time of grant.  An optionee shall generally have the
rights to dividends and any other rights of a stockholder with respect to the
Stock subject to the option only after the optionee has given written notice of
exercise, has paid in full for such shares, and, if requested, has given the
representation described in paragraph (1) of Section 10.

     The Administrator may require the voluntary surrender of all or a portion
of any Stock Option granted under the Plan as a condition precedent to the grant
of a new Stock Option.  Subject to the provisions of the Plan, such new Stock
Option shall be exercisable at the price, during such period and on such other
terms and conditions as are specified by the Administrator at the time the new
Stock Option is granted.  Upon their surrender, Stock Options shall be canceled
and the shares previously subject to such canceled Stock Options shall again be
available for grants of Stock Options and other awards hereunder.

<PAGE>
     (5)  Loans.  The Company may make loans available to Stock Option holders
          -----
in connection with the exercise of outstanding options granted under the Plan,
as the Administrator, in its discretion, may determine; provided, however, that
the right to make payment in the form of loans may be authorized only at the
time of grant and the terms of such loans shall be specified in the related
Stock Option agreement.  Such loans shall (i) be evidenced by promissory notes
entered into by the Stock Option holders in favor of the Company, (ii) be
subject to the terms and conditions set forth in this Section 5(5) and such
other terms and conditions, not inconsistent with the Plan, as the Administrator
shall determine, (iii) bear interest, if any, at such rate as the Administrator
shall determine, and (iv) be subject to Board approval (or to approval by the
Administrator to the extent the Board may delegate such authority).  In no event
may the principal amount of any such loan exceed the sum of (x) the exercise
price less the-par value of the shares of Stock covered by the option, or
portion thereof, exercised by the holder, and (y) any federal, state, and local
income tax attributable to such exercise.  The initial term of the loan, the
schedule of payments of principal and interest (if any) under the loan, the
extent to which the loan is to be with or without recourse against the holder
with respect to principal or interest and the conditions upon which the loan
will become payable in the event of the holder's termination of employment shall
be determined by the Administrator.  Unless the Administrator determines
otherwise, when a loan is made, shares of Stock having a Fair Market Value at
least equal to the principal amount of the loan shall be pledged by the holder
to the Company as security for payment of the unpaid balance of the loan, and
such pledge shall be evidenced by a pledge agreement, the terms of which shall
be determined by the Administrator, in its discretion; provided, however, that
each loan shall comply with all applicable laws, regulations and rules of the
Board of Governors of the Federal Reserve System and any other governmental
agency having jurisdiction.

     (6)  Non-Transferability of Options.  Unless otherwise determined by the
          ------------------------------
Administrator, no Stock Option shall be transferable by the optionee, and all
Stock Options shall be exercisable, during the optionee's lifetime only by the
optionee.

     (7)  Termination of Employment or Service.  If an optionee' s employment
          ------------------------------------
with or service as a director of or consultant or advisor to the Company
terminates by reason of death, Disability or for any other reason, the Stock
Option may thereafter be exercised to the extent provided in the applicable
subscription or award agreement, or as otherwise determined by the
Administrator.

     (8)  Annual Limit on Incentive Stock Options.  To the extent that the
          ---------------------------------------
aggregate Fair Market Value (determined as of the date the Incentive Stock
Option is granted) of shares of Stock with respect to which Incentive Stock
Options granted to an Optionee under this Plan and all other option plans of the
Company or its Parent Corporation become exercisable for the first time by the
Optionee during any calendar year exceeds $100,000, such Stock Options shall be
treated as Non-Qualified Stock Options.

<PAGE>
SECTION 6. AMENDMENT AND TERMINATION.
-------------------------------------

     The Board may amend, alter or discontinue the Plan, but no amendment,
alteration, or discontinuation shall be made that would impair the rights of a
Participant under any award theretofore granted without such Participant's
consent.

     The Administrator may amend the terms of any award theretofore granted,
prospectively or retroactively, but, subject to Section 3 above, no such
amendment shall impair the rights of any holder without his or her consent.

SECTION 7. UNFUNDED STATUS OF PLAN.
-----------------------------------

     The Plan is intended to constitute an "unfunded" plan for incentive
compensation.  With respect to any payments not yet made to a Participant by the
Company, nothing contained herein shall give any such Participant any rights
that are greater than those of a general creditor of the Company.

SECTION 8. GENERAL PROVISIONS.
------------------------------

     (1)  The Administrator may require each person purchasing shares pursuant
to a Stock Option to represent to and agree with the Company in writing that
such person is acquiring the shares without a view to distribution thereof.  The
certificates for such shares may include any legend which the Administrator
deems appropriate to reflect any restrictions on transfer.

     All certificates for shares of Stock delivered under the Plan shall be
subject to such stock-transfer orders and other restrictions as the
Administrator may deem advisable under the rules, regulations, and other
requirements of the Commission, any stock exchange upon which the Stock is then
listed, and any applicable federal or state securities law, and the
Administrator may cause a legend or legends to be placed on any such
certificates to make appropriate reference to such restrictions.

     (2)  Nothing contained in the Plan shall prevent the Board from adopting
other or additional compensation arrangements, subject to stockholder approval
if such approval is required; and such arrangements may be either generally
applicable or applicable only in specific cases.  The adoption of the Plan shall
not confer upon any employee, director, consultant or advisor of the Company any
right to continued employment or service with the Company, as the case may be,
nor shall it interfere in any way with the right of the Company to terminate the
employment or service of any of its employees, directors, consultants or
advisors at any time.

     (3)  Each Participant shall, no later than the date as of which the value
of an award first becomes includible in the gross income of the Participant for
federal income tax purposes, pay to the Company, or make arrangements
satisfactory to the Administrator regarding payment of, any federa1, state, or
local taxes of any kind required by law to be withheld with respect to the
award.  The obligations of the Company under the Plan shall be conditional on
the making of such payments or arrangements, and the Company shall, to the

<PAGE>
extent permitted by law, have the right to deduct any such taxes from any
payment of any kind otherwise due to the Participant.

     (4)  No member of the Board or the Administrator, nor any officer or
employee of the Company acting on behalf of the Board or the Administrator,
shall be personally liable for any action, determination, or interpretation
taken or made in good faith with respect to the Plan, and all members of the
Board or the Administrator and each and any officer or employee of the Company
acting on their behalf shall, to the extent permitted by law, be fully
indemnified and protected by the Company in respect of any such action,
determination or interpretation.

SECTION 9. EFFECTIVE DATE OF PLAN.
----------------------------------

     The Plan became effective (the "Effective Date") on August 1, 2001;
provided that, the Plan shall become effective with respect to Incentive Stock
Options on the date the Company's stockholders formally approve the Plan.

SECTION 10. TERM OF P1AN.
-------------------------

     No Stock Option shall be granted pursuant to the Plan on or after the tenth
anniversary of the Effective Date, but awards theretofore granted may extend
beyond that date.

<PAGE><PAGE>

Exhibit 4.2

                              CONSULTING AGREEMENT

This Consulting Agreement (the "Consulting Agreement" or "Agreement") is made as
of this December 3, 2001 by and between Paul Kessler (hereinafter referred to as
"Consultant"), an individual, having his principle address at 6363 Sunset
Boulevard Fifth Floor, Hollywood, CA 90028 and eConnect, Incorporated
(hereinafter referred to as the "Company") with offices at 2500 Via Cabrillo
Marina, Suite 112, San Pedro, California, 90731.

WITNESSETH
----------

WHEREAS, the Company requires and will continue to require consulting services
relating to management, strategic planning and marketing in connection with its
business; and

WHEREAS, Consultant can provide the Company with strategic planning, marketing
and legal consulting services and is desirous of performing such services for
the Company;

WHEREAS, the Company wishes to induce Consultant to provide these consulting
services to the Company; and

NOW, THEREFORE, in consideration of the mutual covenants hereinafter stated, it
is agreed as follows:

         1.     APPOINTMENT.
                -----------

         The Company hereby engages Consultant and Consultant agrees to render
services to the Company as a consultant upon the terms and conditions
hereinafter set forth.

         2.     TERM.
                ----

         The term of this Consulting Agreement began as of the date of this
Agreement, and shall terminate 120 days hence, unless terminated or extended in
accordance with a valid provision contained herein, or unless extended by a
subsequent agreement between the parties.

         3.     SERVICES.
                --------

         During the term of this Agreement, Consultant shall provide advice to
undertake for and consult with the Company concerning management of sales and
marketing resources, consulting, strategic planning, corporate organization and
structure, financial matters in connection with the operation of the businesses
of the Company, expansion of services, mergers and acquisitions and other
business opportunities. Consultant agrees to provide on a timely basis the
following enumerated services plus any additional services contemplated thereby:

<PAGE>

Consulting Agreement
December 3, 2001
Page 2

                (a) The implementation of short-range and long-term strategic
planning to fully develop and enhance the Company's assets, resources, products
and services;

                (b) The implementation of a marketing program to enable the
Company to broaden the markets for its services and promote the image of the
Company and its products and services;

                (c) The identification, evaluation, structuring, negotiating and
closing of joint ventures, strategic alliances, mergers and acquisitions and
advice with regard to the ongoing managing and operating of such acquisitions
upon consummation thereof;

                (d) Advice and recommendations regarding corporate financing
including the structure, terms and content of bank loans, institutional loans,
private debt funding, mezzanine financing, blind pool financing and other
preferred and common stock equity private or public financing.

         4.     DUTIES OF THE COMPANY.
                ---------------------

         The Company shall provide Consultant, on a regular and timely basis,
with all approved data and information about it, its subsidiaries, its
management, its products and services and its operations as shall be reasonably
requested by Consultant, and shall advise Consultant of any facts which would
affect the accuracy of any data and information previously supplied pursuant to
this paragraph. The Company shall promptly supply Consultant with full and
complete copies of all financial reports, all fillings with all federal and
state securities agencies; with all data and information supplied by any
financial analyst, and with all brochures or other sales materials relating to
its products or services.

         5.     COMPENSATION.
                ------------

         Upon the execution of this Agreement, Company agrees to pay Consultant
the following as consideration for the services rendered under this Agreement:

                    (a) Option Shares. Consultant shall have the right to
                        -------------
purchase 8,000,000 shares of eConnect (ECNC) common shares at the average of the
three lowest inter-day trading prices for the twelve (12) trading days prior to
the exercise date discounted by fifty percent (50%). Consultant's rights
regarding these shares shall vest immediately and shall be exercised as set
forth below:

                           (i)   2,000,000 common shares as of December 3, 2001;
                           (ii)  2,000,000 common shares on December 17, 2001;
                           (iii) 2,000,000 common shares on January 7, 2002; and
                           (iv)  2,000,000 common shares on January 14, 2002.

                    (b) Non-Option Shares. Within 3 days of the effectiveness of
                        -----------------
the S-8 Registration Statement (referenced in Section 3(c) above), the Company
shall execute a written request to its transfer agent to prepare and deliver to
Consultant, or it's agent, one common stock certificate for 5,000,000 shares of
freely tradable, non-legend, eConnect Incorporated common stock (to be held in
escrow pursuant to the terms of a separate escrow agreement).

<PAGE>

Consulting Agreement
December 3, 2001
Page 3

                (b) The Compensation outlined in Section 5(a) above shall be
conveyed through an effective S-8 registration of common shares. In
consideration of the acknowledgment that Consultant has agreed to, and is bound
to engage in various efforts on behalf of the Company, the Company hereby agrees
to exercise "Best Efforts" to assist and cooperate with Consultant in order to
effectuate the effectiveness of the above S-8 Registration Statement, so that
the Registration Statement will become effective within 10 days of the execution
of this Agreement.

            5.5 COSTS AND EXPENSES
                ------------------

                (a)   Miscellaneous Costs.
                      -------------------

                Subject to the prior approval of the Company, Consultant in
providing the foregoing services, shall not be responsible for any out-of-pocket
costs, including, without limitation, travel, lodging, telephone, postage and
Federal Express charges. Consultant shall provide the Company with a detailed
accounting of monthly expenses related to the Agreement. Payment for these
expenses shall be made to Consultant within 15 days after submission to the
Company.

                6. REPRESENTATION AND 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, 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 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 Consulting Agreement

<PAGE>

December 3, 2001
Page 4

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.

         7.  MISCELLANEOUS.
             -------------

         Termination: Subsequent to and no less than 30 days after the execution
         -----------
of this Agreement, this Agreement may be terminated by either Party upon written
notice to the other Party for any reason and shall be effective five (5)
business days from the date of such notice. Termination of this Agreement shall
cause Consultant to cease providing services under this Agreement; however,
termination for any reason whatever, shall not decrease or eliminate the
compensatory obligations of the Company as outlines in Section 5 of this
Agreement.

         Modification: This Consulting Agreement sets forth the entire
         ------------
understanding of the Parties with respect to the subject matter hereof. This
Consulting Agreement may be amended only in writing signed by both Parties.

         Notices: Any notice required or permitted to be given hereunder shall
         -------
be in writing and shall be mailed or otherwise delivered in person or by
facsimile transmission at the address of such Party set forth above or to such
other address or facsimile telephone number as the Party shall have furnished in
writing to the other Party.

         Waiver: Any waiver by either Party of a breach of any provision of this
         ------
Consulting Agreement shall not operate as or be construed to be a waiver of any
other breach of that provision or of any breach of any other provision of this
Consulting Agreement. The failure of a Party to insist upon strict adherence to
any term of this Consulting Agreement on one or more occasions will not be
considered a waiver or deprive that Party of the right thereafter to insist upon
adherence to that term of any other term of this Consulting Agreement.

         Assignment: The Options under this Agreement are assignable at the
         ----------
discretion of the Consultant.

         Severability: If any provision of this Consulting Agreement is invalid,
         ------------
illegal, or unenforceable, the balance of this Consulting Agreement shall remain
in effect, and if any provision is inapplicable to any person or circumstance,
it shall nevertheless remain applicable to all other persons and circumstances.

<PAGE>

Consulting Agreement
December 3, 2001
Page 5

         Disagreements: Any dispute or other disagreement arising from or out of
         -------------
this Consulting Agreement shall be submitted to arbitration under the rules of
the American Arbitration Association and the decision of the arbiter(s) shall be
enforceable in any court having jurisdiction thereof. Arbitration shall occur
only in San Diego, CA. The interpretation and the enforcement of this Agreement
shall be governed by California Law as applied to residents of the State of
California relating to contracts executed in and to be performed solely within
the State of California. In the event any dispute is arbitrated, the prevailing
Party (as determined by the arbiter(s)) shall be entitled to recover that
Party's reasonable attorney's fees incurred (as determined by the arbiter(s)).

SIGNATURE PAGE

         IN WITNESS WHEREOF, this Consulting Agreement has been executed by the
Parties as of the date first above written.

eConnect, Inc.                                          CONSULTANT

/s/ Tom Hughes                                          /s/ Paul Kessler
-----------------------                                 ------------------------
Tom Hughes,                                             Paul Kessler
CEO                                                     Consultant

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00032-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00032-of-00352.parquet"}]]