Document:

EXHIBIT 10.3

                              CONSULTING AGREEMENT

BETWEEN:    MONEYFLOW SYSTEMS INTERNATIONAL INC. duly incorporated pursuant to
            the laws of Nevada.

                   (hereinafter referred to as the "Company")

                                      -and-

            HERSTMONCEUX CAPITAL, with its offices in the City of Herstmonceux,
            East Sussex, in the United Kingdom and R. J. Drewitt with its
            offices in the City of Ashbury Swindon, Wiltshire in the United
            Kingdom. (hereinafter referred to as the "Consultants")

WHEREAS,    The Consultants wish to offer its expertise to provide the Company
            with consulting services for the purpose of international business
            development of the Company's automated Electronic Funds Transfer
            (EFT) business; and

WHEREAS,    The Company wishes to engage the services of The Consultants as an
            independent contractor for the purpose of such international
            business development.

NOW THEREFORE, the parties agree to the mutual undertakings and covenants herein
as follows:

      1.    Scope of the Services

            The Consultants agrees to perform the international business
            development services for the Company as follows:

      0.1.  The Consultants will assist the Company in identifying opportunities
            in the business of Electronic Funds Transfer and Automated Funds
            Transfer, for the furtherance of the Company's international
            business objectives, particularly in the U.K. and Europe, to support
            the growth of the Company.

      0.2.  The Consultants will develop and maintain on going systems to expand
            awareness of the Company's activities among the appropriate sectors
            of the international business community and hence develop a
            commensurate interest in the Company, it's products and services.

      0.3.  The Consultants agrees to accept direction from the Company from
            time to time with regard to the Company's priorities for the
            development of its core or peripheral business activities.

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      2.    Term

            The initial term of this Agreement shall be twelve (12) months from
            the date of execution hereof. The parties hereto shall have the
            option of renewing this Agreement for a further twelve (12) month
            term upon mutual agreement any time before the expiration of the
            initial term.

      3.    Contractual Relationship

            In performing the services under this Agreement, The Consultants
            shall operate and have the status of an independent contractor and
            shall not act as or be an employee of the Company.

1.    Compensation

      The Consultants and his designees shall be entitled to a one-time payment
      by way of issuing of One Million Two Hundred and Eighty Five Thousand
      (1,285,000) Common shares of the Company, in restricted form. One half of
      the shares shall be issued upon execution of this Agreement. The balance
      shall be issued ninety days following the date of this Agreement, after
      approval by the Board of Directors of the Company, based upon a review of
      Consultant's work to that date. The shares shall be valued at U.S. $.0l
      per share upon issuance.

1.    Expenses

      The Consultants shall be responsible for the payment of its own expenses
      incurred while The Consultants is engaged in activity relating to this
      Agreement.

1.    Reliance On Accurate Information

      Since The Consultants will rely upon the accuracy and completeness of
      information supplied to him by the Company, its officers, directors and
      agents, The Company agrees to save, protect and hold The Consultants
      harmless at the Company's expense in any proceeding or suit that may arise
      out of or due to any inaccuracy or incompleteness of such material
      supplied to The Consultants by the Company. The Consultants will not
      disseminate any material to relative business or industry sources, the
      media or the public without the prior consent and knowledge of the
      Company. The Consultants agree to indemnify and hold The Company harmless
      because of any claim, or other litigation, whereby The Company believes it
      is required to defend itself, due to an alleged misrepresentation
      promulgated by The Consultants, relating to The Company and its products
      or services. In addition The Company and The Consultants shall each be
      excused from any act of God, fire, strike, riot, civil disobedience;
      insurrection, boycott, act of public authorities, delay or default caused
      by public common carriers, inability to obtain raw materials, computer

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      related equipment outages, or other causes beyond reasonable control,
      provided Moneyflow Systems international and The Consultants shall take
      all steps reasonably necessary to effect prompt resolution of the
      inability to perform the Agreement.

      7.    Miscellaneous

I.    Governing Law. This Agreement shall be in all respects governed by,
      construed and enforced in accordance with the laws of the Province of
      Alberta, including all matters of construction, validity, and performance.
      The parties hereto agree that jurisdiction over any action involving the
      interpretation and performance of any rights or obligations set forth in
      this Agreement shall be in Calgary, Alberta.

II.   Relationship of the Parties. It is expressly understood and acknowledged
      that it is not the intention or purpose of this Agreement to create, nor
      shall the same be construed as creating, any type of partnership,
      relationship or joint venture.

III.  Force Majeure. Neither Party shall be considered in default in performance
      of its obligations, should its performance thereof be delayed or prevented
      by force majeure. "Force Majeure" shall include, but not be limited to:
      hostile, restraint of rules or peoples revolution, civil commotion or
      riots, strike or lockout, epidemic, accident, fire, flood, earthquake,
      windstorm or explosion; lack of, or failure of transportation facilities,
      lack of, or failure of power facilities, regulation or ordinance, demand
      or requirement of or denial of approval by any government agency having or
      claiming to have jurisdiction over the subject matter of this Agreement or
      over the parties; or any act of God or any act of Government, or any
      cause, whether of the same or different nature, existing or future, which
      is beyond the control and without the fault or negligence of the parties.

1.    NOTICES

      Where it is required in the Agreement that notice be given, the notice
      shall be in writing and shall be delivered in person, or sent by
      registered mail postage prepaid or by way of facsimile transmission to the
      parties at the following addresses:

               To:            Moneyflow Systems International Inc. at:
                              Bldg F, Unit 3, 5508 - 1st Street S.E.
                              Calgary, Alberta T2H 2W9
                              Phone: (403) 319-0236  Fax: (403) 319-0240

       With a copy to:        Claudia J. Zaman, Esq.
                              21800 Oxnard Street, Suite 440
                              Woodland Hills, CA 91367  Fax: (818) 5986778

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To The Consultants at:        Herstmonceux Capital
                              10 Herstmonceux Place, Herstmonceux
                              East Sussex BN27 1RL
                              England
                              Phone: 0323-832579

      Alternatively, at such other address as the Consultants or the Company
      shall designate by written notice. Any notice shall be deemed to have been
      given on the date on which it is delivered, or on the third business day
      following the mailing of the notice, or on a date, which the facsimile
      transmission is received by the addressee, and in the case of mailing
      subject to the duration of any interruption in the postal services.

1.    REPRESENTATIONS

      The Consultants represents that it has the full right and authority to
      enter into this agreement. The Consultants represents that it has the full
      right and authority to enter into this agreement.

1.    ENTIRE AGREEMENT

      This Agreement forms the entire agreement between the parties and shall
      not be modified, amended or replaced except by a further written agreement
      executed by both parties.

      IN WITNESS WHEREOF the parties have executed this Agreement in the City of
Calgary in the Province of Alberta, this 19th day of July, 2001.

The Consultants-

__________________________________      ________________________________________
Herstmonceux Capital                    The Company

__________________________________
R. J. Drewett

                                       4Exhibit 10.4

                              CONSULTING AGREEMENT

      This Agreement is made and entered into as of July 6, 2001 by and between
DAN FORIGO, BLAINE RUZYCKI, NOLA RUZYCKI AND MICHELLE BALIC (hereinafter
collectively referred to as the "Consultants"), persons residing in and pursuant
to the laws of Alberta and MONEYFLOW SYSTEMS INTERNATIONAL INC., a Company duly
incorporated pursuant to the laws of Nevada (hereinafter referred to as the
"Company").

WHEREAS, the Company is desirous of the Consultants performing certain tasks on
its behalf as more specifically stated in the Appendices attached hereto; and

WHEREAS, the Consultants have reviewed the attached Appendices and are desirous
of performing the stated tasks for the Company; and

WHEREAS, both parties hereto have agreed each with the other that the
Consultants will perform the tasks stated in the attached Appendices upon the
terms and conditions hereinafter recited.

IT IS HEREBY AGREED BY AND BETWEEN THE PARTIES THAT:

      1.    The Appendices attached hereto and marked as Appendix A through F
            respectively are incorporated herein by this reference and are
            integral parts of this Agreement and the duties herein stated are
            binding upon the parties hereto.

      2.    Upon execution of this Agreement, the Consultants shall immediately
            commence:

            A.    Construction of the interactive CD-ROM presentation in
                  accordance with the provision of Appendix A;

            B.    Solicited mass e-mail distribution to pre-qualified parties as
                  provided for in Appendix B;

            C.    Construction of Brochures related to the Company and its
                  products in accordance with the provisions of Appendix C;

            D.    Solicited mass fax-out to brokerage firms and institutions in
                  accordance with the provisions of Appendix D;

            E.    Initiate development of T.V., Radio and Internet Web casting
                  in accordance with the provisions of Appendix E;

            F.    Create an in-depth Market Awareness Campaign as provided for
                  in Appendix F.

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      3.    The initial term of this Agreement shall be twelve (12) months from
            the date of execution hereof. The parties hereto shall have the
            option of renewing this Agreement for a further twelve (12) month
            term upon mutual agreement anytime before the expiration of the
            initial term.

      4.    Notices. Where it is required in the agreement that notice be given,
            the notice shall be in writing and shall be delivered in person, or
            sent by registered mail, postage prepaid or by way of facsimile
            transmission, to the parties at the following addresses:

            To the Company:

            Hal Schultz, President
            Moneyflow Systems International
            #3, Bldg. F 5508-1st Street S.E.
            Calgary, Alberta T2H 2W9
            Fax: (403) 319-0240

            With a Copy to:

            Claudia J. Zaman, Esq.
            21800 Oxnard Street, Suite 440
            Woodland Hills, CA  91367
            Fax: (818) 598-6778

            To the Consultants:
            412-22-Avenue N.E.
            Calgary, Alberta T2E 1T7
            Fax: (403) 686-4501

      5.    This Agreement is personal to the parties hereto and may not be
            assigned to any other person, partnership, corporation or
            association without the prior written consent of the other party.

      6.    The Company acknowledges that the Consultants in performing the
            services noted in the attached Appendices are relying exclusively
            upon the information provided them by the Company and therefore,
            notwithstanding anything to the contrary herein contained, the
            Company acknowledges that it is solely responsible for the
            truthfulness of the information provided to the Consultants. Should
            any of the provided information be incorrect, resulting in injury to
            the Consultants from its inaccuracy or material omission, the
            Company agrees to indemnify and hold harmless Consultants from its
            inaccuracy or material omission, the Company agrees to indemnify and
            hold harmless Consultants, its Officers, Directors, Agents,
            Employees or Assigns from any and all liability arising from the
            performance of the Consultants duties herein which uses said
            inaccurate or materially misleading Company information.

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      7.    Not to restrict paragraph 5, the Company further acknowledges that
            it has a duty to review any and all information prepared by the
            Consultants and Consultants agree to provide the Company and its
            counsel with drafts of all written material for review and approval
            before publication. Therefore, any and all errors and/or omissions
            contained in any of the documents provided to the Company by the
            Consultants, to the extent that the errors or omissions are the
            fault of the Company, are hereby waived in their entirety and the
            Company agrees to indemnify and hold Consultants harmless for the
            same should they occur and waives any action it can or may have
            against Consultants, its Agents, Employees, Directors, Officers or
            Assigns for any damage or loss occasioned as a result of any said
            errors and/or omissions originating from the Company and further
            should any damage be occasioned to any third party as a result of
            any said error or omission originating from the Company, the Company
            agrees to indemnify and hold harmless Consultants, its Directors,
            Officers, Employees, Agents or Assigns for any and all said damages,
            including, but not limited to, legal fees incurred.

      8.    The Consultants agree to indemnify and hold the Company harmless
            because of any claims, or other litigation, whereby the Company
            believes it is required to defend itself, due to an alleged
            misrepresentation promulgated by the Consultants, relating to the
            Company and its products or services. In addition, the Company and
            the Consultants shall each be excused from performance due to any
            act of God, fire, strike, riot, civil disobedience, insurrection,
            boycott, act of public authorities, delay or default caused by
            public common carriers, inability to obtain raw materials, computer
            related equipment outages, or other causes beyond reasonable
            control, provided the Company and the Consultants shall take all
            steps reasonably necessary to effect prompt resolution of the
            inability to perform the Agreement.

      9.    The Consultants shall have the right hereunder to conduct any
            investigation of the Company's products it deems necessary in order
            for it be assured that the Company is following the terms and the
            spirit of this Agreement. In the event that the Consultants, in the
            course of their investigation, form the reasonable belief that the
            Company is or may not be able to fulfill its obligations hereunder,
            such as not having sufficient inventory available to satisfy
            consumers' needs or is conducting its business affairs in a manner
            not consistent with the standards and the ethics of typical
            business, the cost of the investigation shall be borne by the
            Company and the Consultants shall, at their sole option, be entitled
            to forthwith terminate this Agreement without Notice or Penalty.

      10.   This Agreement shall be governed by the laws of the Province of
            Alberta and any court proceedings commenced hereunder shall be
            commenced and concluded at the venue of Consultant's direction
            within the Province of Alberta and that should any legal action be
            commenced by the Company against the Consultants, the Company shall
            provide the Consultants with fourteen (14) days' written notice to
            the Consultants to select venue within the Province of Alberta to
            commence its

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            action. Should the Consultants refuse or neglect to advise the
            Company of said venue within the time period noted herein, then the
            Company shall be at liberty to select is own venue within the
            Province of Alberta.

      11.   Should any provision of this Agreement be ruled invalid,
            unenforceable or illegal, then and in that event the offending
            provisions shall be struck here from and be of no further force and
            effect but that the remainder of the Agreement shall remain in full
            force and effect.

      12.   In consideration of the Consultants performing the services noted in
            the attached Appendices, the Company shall pay to the Consultants as
            compensation, 678,750 shares each of the Company's common stock, in
            restricted form, totaling 2,715,000 shares to be issued to the
            Consultants as full and complete compensation under this Agreement.
            Half of the shares shall be issued upon execution of this Agreement
            and the remaining shares shall be issued ninety days from the date
            of this Agreement, subject to the approval of the Company's Board of
            Directors, after a review of the Consultant performance to that
            point. The shares shall be valued at U.S. $.01 per share at the time
            of issuance.

      13.   The parties acknowledge each to the other that this Agreement has
            been approved by each party's Board of Directors and is a binding
            Agreement on both parties as evidenced by the execution hereof by an
            authorized signatory of each party.

Per:

__________________________________      ________________________________________
Blaine Ruzycki                          Dan Forigo

__________________________________      ________________________________________
Michelle Balic                          Nola Ruzycki

The Company:

__________________________________
Hal Schultz, President

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                                   Appendix A
                       Details of the CD-ROM Presentation

1.    The Consultants will commence with the construction of an interactive
      multimedia CD-ROM with elements that will be produced from any information
      given to us by the Company.

2.    The Consultants will use the latest interactive developmental tools such
      as Macromedia Flash and Authorware to create a fully enabled multimedia
      presentation for The Company.

3.    This CD-ROM's presentation contents will be a series of video press
      releases and video interviews of The Company and behind the scenes of the
      Company corporate offices.

<PAGE>

                                   Appendix B
                               Email Distribution

1.    The Consultants will commence on soliciting the services of leading
      financial websites for their solicited email lists.

2.    Weekly updates to shareholders and prospective shareholders in a Press
      Release format.

3.    These emails allow the Company to directly disseminate information to
      potential investors, the Consultants shall obtain and provide to Indigo
      pre-qualified and solicited email addresses.

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                                   Appendix C
                            Details of the Brochures

1.    The Consultants will construct a corporate information package which will
      include all corporate information and also to include a die cut for CD-ROM
      presentation and business card.

2.    The Consultants will facilitate a mail out of this promotional package to
      existing shareholders and customers of The Company and to prospective
      clients and shareholders. The Company will be responsible for all costs of
      postage related with this mail out.

3.    Brochure design elements and copy content will be discussed extensively
      with our team at The Consultants and The Company.

4.    Ownership of content will be the sole ownership of The Company.

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                                   Appendix D
                                     Fax-Out

1.    The Consultants will commence on a mass fax-out to brokerage and
      investment firms.

2.    The Consultants will use this for concreting future awareness on public
      relations campaigns.

3.    Contacts and relationships already made with Broker/Dealers and
      International firms will be used for this solicitation.

<PAGE>

                                   Appendix E
                            T.V., Radio, Web Casting

1.    The Consultants will use the latest technology and resources to market The
      Company into a household name.

2.    The Consultants will solicit the services of various radios and television
      investment shows to help create awareness.

3.    The Consultants will undergo the hiring of a streaming video provider to
      also help facilitate the marketing of The Company.

<PAGE>

                                   Appendix F
                            Market Awareness Campaign

The Consultants shall provide the creative imagery for and produce a Public
Relations Package to send forth to Market Makers on the Company stock. The
actual layout and production of this package for public distribution will be
done and approved systematically by The Company management.

The Consultants shall produce an investor relation's presentation for The
Company. This presentation shall be produced with guidance from various
individuals from Moneyflow International Inc. as agreed. Throughout the
contract, several trips may be needed and necessary to facilitate the production
of the presentation.

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