Document:

BUSINESS COOPERATION AGREEMENT

BETWEEN:

TOP SPORTS, S.A., a business company organized and ruled under
the laws of the Dominican Republic, with corporate offices at
Jardin des Arts Shopping Center, Suite 106, Jardines del
Embajador, 65 Sarasota Avenue, Bella Vista, in the city of Santo
Domingo, National District, Dominican Republic, duly represented
herein by its President, Mr. Paul F. Egan, an Irish subject, of
legal age, marital status single, a businessman, bearer of Irish
Passport No. ________ domiciled and residing in this city of
Santo Domingo, National District, to be referred to hereinafter
as Top Sports; and

eConnect, a business company organized and ruled under the laws
of the United States of America, with corporate offices at 2500
Villa Cabrillo Marina, Suite 112, San Pedro, California, United
States of America, duly represented by its President, Mr. Thomas
Hughes, a U.S. citizen, of legal age, marital status married, a
businessman, bearer of United States Passport No. ________,
domiciled and residing in San Pedro, California, United States of
America, to be referred to hereinafter as eConnect.

WHEREAS:  Top Sports, S.A. and eConnect, Inc., both have
elements, assets and future projections in similar fields,
wherein their know-how, technology, personnel and infrastructure
may be efficiently and beneficially combined in the development
and advancement of both companies both in the area of physical
and on-line electronic gambling;

WHEREAS:  eConnect, Inc., desires to diversify its range of
operations so as to include such business and electronic
interactivity solutions as are applied in the area of internet
and electronics to high cash flow and volume data transmission
businesses and projects such as are found in the gambling
business, an area which is growing significantly in the Dominican
Republic as well as In other countries where such operations are
permitted and regulated by the laws;

WHEREAS:  eConnect, Inc., possesses the right combination of
know-how and expertise to apply said know-how and expertise
through the internet and on-line telephony particularly in their
electronic approach to the gambling business;

WHEREAS:  Top Sports, S.A. desires to join in and cooperate with
an organization that will in turn provide managerial and
technical experience in order to project and attain such
consolidation and growth aims as have always been desired by the
shareholders of said company;

WHEREAS:  Top Sports, S.A. has an installed infrastructure
consisting in several Sport Betting Banks, an area which is
developing and growing favorably in the Dominican Republic under
the laws in force;

WHEREAS:  Top Sports, S.A. has through its shareholders and
officers considerable expertise and a large number of contacts
and relations in the gambling business both in the Dominican
Republic and in Ireland, a country which is among such
territories as are desired to be developed by the company.

WHEREAS:  The financial, synergistical and developmental
advantages of a close cooperation are acknowledged by both
companies:

THEREFORE

THE PARTIES HAVE AGREED AND COVENANTED THE FOLLOWING:

ARTICLE I:  A total of (4,997) shares in the subscribed and paid
up capital of Top Sports, S.A. are hereby purchased by eConnect,
Inc., for the following consideration and under the following
conditions: A) Thirty Thousand U.S. Dollars (US$35,000.00; B) One
Million (1,000,000) Class No.144 restricted shares in the
eConnect business company which may be purchased at the rate of
one hundred thousand (100,000) shares per month up to the total
amount of all such shares during a term of one (1) year as of the
execution hereof; and C) Two options to purchase (warrants)
shares in eConnect for the fixed price of Thirty Cents of a U.S.
Dollar (US$0.30) to be exercised in a 1:2 proportion during a
term of 12 months as of the date of sale. That is to say, the
ability or preferential option to purchase Two Million
(2,000,000) shares of stock in eConnect, Inc., during the 12
months following the execution hereof for the fixed price of
Thirty Cents of a U.S. Dollar (US$0.30).  Said options to
purchase (warrants) to be finally purchased by TOP SPORTS may be
exercised and executed when eConnect shares shall reach or exceed
the above Thirty Cents of a U .S: Dollar (US$0.30) offering price
in the public stock exchange market of the United States of
America, no reduction in such a price to imply however any
restriction to the sale of the above mentioned shares.

ARTICLE II:  As of the date hereof eConnect shall be the owner
and beneficiary of fifty percent (50%) of all assets, profits and
earnings and shall be in solido liable for fifty percent (50%) of
all liabilities, debts and obligations as Top Sports may have or
be liable for both in Dominican territory and elsewhere; said
assets shall include all Sports Betting Banks which are owned and
operated by Top Sports whether under lease or any other manner of
operation, as well as any future projects involving the
installation, development, operation and advancement of Sports
Betting Banks, on-line electronic games, on-line electronic
bookings or any future derivations therefrom. The parties herein
shall agree on the most convenient form for the communication of
any financial statements on these operations, so as to comply
with their obligations and receive any profits as resulted
therefrom.

PARAGRAPH I:  The Parties herein agree that as of the date
hereof, any future projects involving the installation, purchase,
lease, management, development, operation and advancement of
Sports Betting Banks, on-line electronic gambling operations, on-
line electronic sports bookings or any future derivations
therefrom shall require the prior, unanimous and written
authorization of the parties hereto.

ARTICLE III.  As of the date of execution hereof, Top Sports
shall be the owner and beneficiary of fifty percent (50%) of all
assets, profits or earnings and shall be in solido liable for
fifty percent (50%) of all liabilities, losses or obligations as
may be had both in the U.S. territory and elsewhere by the on-
line electronic virtual casino owned by eConnect located at the
www.777wins.com electronic address; the Parties herein shall
agree on the most convenient manner of communication of all
financial statements regarding said on-line electronic virtual
casino for the purposes of complying with their obligations and
receiving any profits deriving therefrom.

PARAGRAPH I:  The parties herein agree hereby that Top Sports and
eConnect shall within a term not to exceed six (6) months as of
the date hereof, organize, develop and operate an on-line
electronic sportsbook to be sited if possible in the world wide
web under the www.topsportssaa.com electronic address, where bets
for all types of sporting events shall be accepted; the
infrastructure, physical base and logistics of such on-line
electronic sports bookings shall be located at Top Sports
premises in the Dominican Republic.

PARAGRAPH II:  The parties herein agree that the development and
operation of the above on-line electronic sportsbook shall be
ruled by the provisions herein, that is to say, that both parties
hereto shall own and shall each one assume fifty percent (50%) of
all costs, installation, operation, development and payment
expenditures, while each one shall own fifty percent (50%) of all
profits and earnings as may derive therefrom.

ARTICLE IV:  The parties herein agree that all logistical and
technical aspects involved in the physical requirements of the
operation of the online electronic virtual casino at the
www.777wins.com electronic address shall as of the time of
execution hereof be transferred to the installations and
infrastructure specially designated and made available by Top
Sports therefor;

ARTICLE V: Top Sports agrees to secure and employ such technology
as is owned, made available or represented by eConnect in all
operational aspects of Top Sports, provided however, it were
technically and financially feasible to employ said technologies
in the area of operations of Top Sports;

ARTICLE VI: THE PARTIES herein agree that as of the execution
hereof any communications of a financial nature, whether for use
by the parties or for public information as may be given during
the term hereof at the request of any governmental, state,
municipal, bank or exchange authorities for the purposes of or in
compliance with or in the construction of the whole or a part
hereof shall be provided through financial statements duly
certified by a U.S. or Dominican Certified Public Accountant
(C.P.A.).

ARTICLE VII: The PARTIES herein agree that the Board of Directors
shall include, but shall not be limited to at least one (1)
representative appointed by eConnect and one Top Sports officer.

ARTICLE VIII: eConnect acknowledges hereby that apart from the
specific provisions herein, Top Sports shall have no relation as
dependent, subordinate or affiliate of eConnect, and
consequently, shall not be liable for any obligations,
liabilities, in or out of court lawsuits, civil actions whether
in Dominican or U.S. territory resulting from any actions or
omissions, or obligations assumed or undertaken in and during the
exercise of its business operations during any period of time
prior to or preceding the date of execution hereof;

PARAGRAPH I: eConnect formally waivers hereby any pretension or
claim as to any profits, earnings, commissions, dividends,
values, real or movable assets made, resulted, earned or acquired
by Top Sports before the date of execution hereof.

ARTICLE IX:  Top Sports acknowledges hereby that apart from the
specific provisions herein, eConnect has to relationship as
dependent, subordinate or affiliate with it, and consequently,
shall not be liable for any obligations, liabilities, court or
extra court lawsuits or civil actions whether in Dominican or
U.S. territory resulting from any actions or omissions or
obligations assumed or undertaken in and during the exercise of
its business operations during any period of time prior to or
preceding the date of execution hereof.

PARAGRAPH I.  Top Sports formally waivers hereby any pretension
or claim related to any profits, earnings, commissions,
dividends, values, real or movable assets made, resulting, earned
or acquired by eConnect before the date of execution hereof.

ARTICLE X:  The agreement herein is entered into for an
indefinite term of time and may be terminated by mutual, prior
and written consent of the parties.

ARTICLE XI:  The PARTIES herein agree hereby that their
obligations hereunder shall not be assigned in whole or in part
to any third party, whether individual or corporation except with
the prior, written and mutual Consent of the parties.

ARTICLE XII:  The PARTIES herein expressly provide that in the
event of breach of any of their obligations hereunder by anyone
of the parties, the agreement herein shall be automatically
terminated and the guilty party shall be liable for any damages
resulting for the party, which were not in fault.

ARTICLE XIII.  The PARTIES herein agree that the only laws that
shall apply in the event of any differences resulting herefrom
shall be the laws of the Dominican Republic.

ARTICLE XIV.

1.  In the event of any differences in the construction hereof, or
respecting the rights or obligations arising herefrom, any such
difference shall be referred to and decided by arbitration.

2.  If the parties herein agreed on the appointment of one single
arbiter, the arbitration tribunal shall be made up by that one
single arbiter.

3.  If the parties did not agree on the appointment of one single
arbiter, each one of them shall appoint one arbiter, and these
two arbiters shall then designate a third arbiter so as to have
an odd number of arbiters.

4.  Whenever any such arbitration tribunal included more than one
member, any decision rendered shall be by majority vote.

5.  The arbitration tribunal shall establish its own procedure. Any
decision rendered shall include instructions on the division of
costs and expenditures related to the arbitration procedure,
including arbiters' fees.  Any award rendered shall be final for
both parties.

6.  For all purposes and consequences hereof, the parties choose
domicile as follows:

eConnect - at 2500 Villa Cabrillo Marina, Suite 112, San Pedro,
California, United States of America.

TOP SPORTS at Plaza des Arts, Suite 106, Jardines de El
Embajador, Avenida Sarasota No. 65, Bella Vista, Santo Domingo,
National District.

eCONNECT

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

TOP SPORTS, S.A.

By: /s/  Paul Egan
Paul Egan, PresidentCONSULTING SERVICES AGREEMENT

This Consulting Agreement ("Agreement") is made by and between
Michael S. Leste, an individual ("Consultant"), whose address is
850 Gray Court, Thousand Oaks, California 91362, 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 many
areas including identifying, investigating, analyzing, and
evaluating businesses from the standpoint of assessing their
worth for investment by the Client, their worth as an operating
entity, as well as the value which may be imputed to them by the
investing public, and assisting in whatsoever negotiations may be
necessary to achieve business transactions with those entities;

WHEREAS, Consultant desires to be engaged by Client to
provide information, identification, investigation, evaluation
and negotiation services to the Client 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 by
combining its business through acquisition of, or arranging some
other business transaction with, another publicly or privately
held company;

WHEREAS, Client desires to engage Consultant to provide
information, identification, investigation, evaluation and
negotiation services 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 analyzing, negotiating and advising Client
on with regard to the Capital Contribution Agreement by and
between Client and SafeTPay.com, and its implementation.

2.  Consideration.

Client agrees to pay Consultant, as his fee and as consideration
for services provided, options to purchase Two Hundred Fifty
Thousand (250,000) shares of restricted common stock of
SafeTPay.com.  These shares and options are due and payable
immediately upon the execution of said Capital Contribution
Agreement.

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 on December 31, 2000.
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 as follows (subject to the right to designate
a different address by notice similarly given):

To Client:

Thomas S. Hughes
eConnect
2500 Via Cabrillo Marina, Suite 112
San Pedro, California 90731

To Consultant:

Michael A. Kofoed
848 5th Street, Unit 10
Santa Monica, California 90403

(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 representations and warranties contained in Article VIII of
this Agreement and any liability of one Constituent Corporation
to the other for any default under the provisions of Articles VII
or VIII of this Agreement, shall expire with, and be terminated
and extinguished by, the merger under this Agreement on the
Effective Date.

(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 this
date, appearing next to their signatures.

                                             eConnect

Date:  December 10, 1999                     By : /s/  Thomas S. Hughes
                                             Thomas S. Hughes, President

Date:  December 10, 1999                     Michael S. Leste

                                            /s/  Michael S. Leste
                                            Michael S. Leste

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