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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