Document:

MANUFACTURING AGREEMENT

This manufacturing agreement ("Manufacturing Agreement") is made

Friday, January 21, 2000 by and between Asia Pacific Micro, Inc.

("APM"), having a place of business at 2071 Mountain Blvd., Suite

C, Oakland, California, 94611 and eConnect, Inc. ("Purchaser")

having its principal place of business at 2500 Via Cabrillo

Marina, Suite 112, San Pedro, CA  90731.

1.  MANUFACTURING AND SALE:  APM agrees to manufacture and sell
to

Purchaser and Purchaser agrees to manufacture and purchase from

APM, at the Purchase Price set forth in Appendix "A," the

products ("Equipment") described in Appendix "A" attached hereto.

APM is to have the Equipment prepared for shipment on the

Delivery Date and at the Delivery Location, using standard

packing materials.  All shipping, rigging, and installation costs

shall be paid by Purchaser from the manufacturer to the consumer.

2.  DESCRIPTION OF EQUIPMENT:  See Appendix "A" attached hereto.

3.  PURCHASE PRICE:  $ US DOLLARS.

4.  DELIVERY DATE:  On or before 3/31/00.

5.  U.S. DELIVERY LOCATION:  San Bruno, CA.

6.  TERMS OF PAYMENT:  NET 10, FOB Origin, Non-Cancelable PO,

Partials accepted.

Failure by Purchaser to pay any monies hereunder, when due, shall

result in a late charge, payable upon demand, calculated daily at

an interest rate of 1% per month (12% PER ANNUM) or if such rate

shall exceed the maximum rate of interest allowed by law, then at

such maximum rate.  Unless otherwise specified herein, the

Purchase Price shall be due and payable on delivery of the

Equipment to the Purchaser.

7.  RISK OF LOSS:  The risk of loss or damage to the Equipment
shall

be borne by the Purchaser after the Equipment is made available

for loading and delivery at APM's loading dock.

8.  DELIVERY OF EQUIPMENT:  The parties intend that the Equipment

shall be delivered at the Delivery Location on or about the

Delivery Date.  APM warrants that the Equipment will be available

for delivery to the Purchaser no later than the Delivery Date set

forth above.  APM agrees that if it shall fail to make delivery

on or before such date, then Purchaser shall have the right,

prior to APM tendering delivery to Purchaser, to elect to

terminate this Sales Agreement whereupon the Purchaser's sole and

exclusive remedy shall be the refund of all payments, which it

has paid to APM.  Such election shall be in writing and effective

five days after receipt by APM.  Notwithstanding the foregoing,

if APM is not able to deliver the Equipment by the Delivery Date

for reasons beyond APM's control, APM shall have an additional

ten days from Delivery Date to deliver the Equipment prior to

Purchaser terminating this Sales Agreement pursuant to this

Section 8.

9.  TITLE AND SECURITY INTEREST:  APM warrants and represents
that it

has good title to the aforementioned Equipment, other than

software, free and clear of all liens and encumbrances of

whatever kind and description other than the interest of APM or,

in the case of new Equipment, Vendor.  Title to the Equipment,

other than software, is to remain vested in APM until the

Purchase Price is paid in full.  In addition Purchaser grants to

APM a purchase money security interest in the Equipment listed

herein the amount of the Purchase Price until paid and consents

to the filing and recording of the Sales Agreement in accordance

with the laws of any applicable jurisdiction prior to payment in

full of the Purchase Price.  Purchaser will execute any other

financing documents in relation to the purchase of the Equipment,

which APM may reasonably request.  All software is provided to

the Purchaser pursuant to a license agreement as set out in

Section 22 below, and in no event does purchaser acquire title to

or ownership of the software.

10.  DELIVERY AND INSTALLATION AND INSURANCE COSTS, TAXES:  The
prices

shown above are F.O.B. the manufacturer's location.  Purchaser

will pay installation and insurance costs, all delivery, rigging

and drayage charges.  There has been or shall be added to the

prices shown above amounts equal to any taxes, however

designated, levied or based on such prices or on this Agreement

or the Equipment.  If Purchaser is purchasing for resale, a duly

executed resale certificate shall be delivered to APM prior to

shipment of the Equipment, if requested by APM.

11.  INDEMNITY:  Purchaser hereby agrees to defend, indemnify and
save

harmless APM and its agents and servants, officers and directors

from against any and all liabilities, obligations, losses,

damages, penalties, claims, costs, expenses, including legal

expenses, of any kind whatsoever, arising from or relating to the

manufacture, order, acceptance or rejection, purchase, ownership,

delivery, lease, possession, use, importation, installation,

condition, sale, return or other disposition of the Equipment,

including, without limitation, and costs or expenses incurred by

APM in the acquisition by APM of any Equipment the cost of which

is in excess of or is included in the acquisition cost indicated

in this Sales Agreement, and the claim relating to any latent or

other defects whether or not discoverable by Lessee, any claim in

tort for strict liability and any claim for patent, trademark,

design or copyright infringement.  Each party agrees to give the

other party prompt notice of any matter hereby indemnified

against.  These indemnities shall become effective from the date

of delivery of the Equipment, and shall continue in full force

and effect until payment of the Purchase Price in full.

12.  MANUFACTURE:  Purchaser acknowledges that APM is the agent
of the

manufacturer.  All product will be manufactured at Purchaser's

authorization.

13.  APM'S RIGHT TO TERMINATE:  In the event Purchaser refuses or
is

unable to accept delivery of the Equipment, or fails to pay for

the Equipment when due, then APM shall have the right (a) to

immediately terminate this Sales Agreement on written notice to

the Purchase, (b) to immediate possession of the Equipment; (c)

to re-sell or lease the Equipment; and (d) to avail itself of any

legal remedy.  In addition to any other right or remedy which it

may have at law or in equity, APM shall be entitled to retain all

monies paid hereunder as liquidated damages, not as a penalty.

APM agrees to remit to Purchaser any monies collected by APM in

excess of (i) the Purchase Price referred to above, and (ii) all

costs and expenses resulting from Purchaser's default, provided

such remittance shall not exceed the amount paid by Purchaser as

liquidated damages under this paragraph 15.

14.  FORCE MAJEURE:  If APM is unable to deliver the Equipment
due to

an act of God or other cause beyond the control of APM, APM shall

not be liable for such failure during the period and the to the

extent of the disability.  If the disability prevents or

interferes with the shipment of the Equipment by the carrier

which APM would or ordinarily used, shipment shall not be made by

a more costly carrier unless Purchaser advises APM that it will

assume the additional costs.

15.  ASSIGNMENT:  This Sales Agreement shall be binding upon an
inure

to the benefit of the parties and their respective successors and

assigns except that the Purchaser may not assign its rights or

obligations without prior written consent of APM which consent

shall not be unreasonably withheld.

16.  NOTICES:  Any notices from either party shall be given to
the

other in writing to the address shown above, or to such other

address as may be designated in writing by such party to the

other and shall be deemed to have been received when delivered,

or two business days after deposit in the post office, postage

prepaid, whichever shall occur first.

17.  APPLICABLE LAW:  The laws of the United Sates of America and
the

State of California shall govern this Sales Agreement.  This

Sales Agreement constitutes the entire Agreement between the

Purchaser and APM with respect to the purchase and sale of the

Equipment listed above and no statement not contained in this

Agreement shall be binding upon APM as a warranty or otherwise.

The foregoing terms and conditions shall prevail notwithstanding

any variance with the terms and conditions of any order submitted

by the Purchaser in respect of the Equipment.

18.  AGREEMENT BINDING:  This Sales Agreement is not binding upon
APM

until accepted by the signature of a corporate officer at its

head office.

19.  LIMITATION OF LIABILITY, DISCLAIMER OF WARRANTIES:  APM
SHALL

HAVE NO LIABILITY TO PURCHASER FOR ANY CLAIM, LOSS OR DAMAGE

CAUSED OR ALLEGED TO BE CAUSED DIRECTLY, INDIRECTLY, INCIDENTALLY

OR CONSEQUENTIALLY BY THE EQUIPMENT, BY ANY INADEQUACY THEREOF OR

DEFICIENCY OR DEFECT THEREIN, BY ANY INCIDENT WHATSOEVER IN

CONNECTION THEREWITH, ARISING IN STRICT LIABILITY, NEGLIGENCE OR

OTHERWISE.  EXCEPT AS CONTAINED HEREIN, APM MAKES NO EXPRESS OR

IMPLIED WARRANTIES OF ANY KIND, INCLUDING THOSE OF MERCHANT

ABILTITY, DURABILITY AND FITNESS FOR A PARTICULAR PURPOSE OR USE

WITH THE RESPECT TO THE EQUIPMENT, OR PATENT, TRADEMARK, AND

COPYRIGHT INFRINGEMENT AND EXPRESSLY DISCLAIMS THE SAME.  IF ANY

EQUIPMENT OR ANY PART THEREOF IS NEW EQUIPMENT, PURCHASER

ACKNOWLEDGES RECEIPT OF PRODUCT WARRANTY INFORMATION PROVIDED BY

THE MANUFACTURER.  PURCHASER FURTHER ACKNOWLEDGES THAT ITS SOLE

REMEDY FOR THE BREACH OF ANY SUCH WARRANTY SHALL BE AGAINST THE

MANUFACTURER AND NOT AGAINST APM AND THAT ANY SUCH BREACH SHALL

NOT AFFECT THE OBLIGATIONS OF THE PURCHASER TO APM HEREUNDER.

ACCEPTED BY APM:                    ACCEPTED BY PURCHASER:

APM                                 eCONNECT

By: /s/  Clinton Wong               By: /s/  Thomas S. Hughes

Clinton Wong, President             Thomas S. Hughes, President

                             APPENDIX "A"

All Research, Development and Design is paid for by eConnect,

Inc.  A working prototype to be finalized in mid February 2000.

Procurement of the build components and production can start

immediately after final visual and written approval from

eConnect.

Qty.    Mfg.   Equipment/Description        Unit Price
Extended

5,000   China  Desktop Card Reader          $16
$80,000*

1              R & D Design                 To Be
Determined/Actual Cost

Research, Development and Design cost will be billed at actual

cost not to exceed, $5,000 USD.

Pricing is variable, plus or minus 25% depending on cost of

manufacturing.  Final pricing will be determined before

manufacturing begins.

Manufacturing capacity of factory is 300,000 units per annum.

Additional factories can be contracted as needed.

SUB-TOTAL                                  $80,000 + R&D

SHIPPING & HANDLING                        $ Actual

TOTAL                                      $80,000

25% Deposit Due upon Final Approval, before production begins.

Balance Due Net 10 upon deliver in US.CONSULTING SERVICES AGREEMENT

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

is made by and between Boardwalk Associates, Inc., a Nevada

corporation ("Consultant"), whose address is 3402 Bimini Lane,

#3-F, Coconut Creek, Florida 33066-2049, 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 strategic 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 strategic

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, warrants to purchase Ten Million Five

Hundred Thousand (10,500,000) shares of free trading common stock

in Client, exercisable at $0.40 per share on or before January

31, 2005.  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

Boardwalk Associates, Inc.

By: /s/ Richard Nuthmann

Richard Nuthmann, Secretary

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