Document:

FEE AGREEMENT & NON CIRCUMVENT

The undersigned Thomas S. Hughes, for and on behalf of eConnect,
Inc. and any associated/related corporations/funds/partnerships
and/or holding companies including but not limited to
client/business accounts over which he has discretionary powers,
hereinafter referred to as eConnect hereby appoints Red Iguana
Trading Company, Inc., hereinafter referred to as Red Iguana, to
procure acquisition targets which may be purchased on a cash,
equity/stock/debt or promissory note basis, eConnect will submit
to lenders and/or investors/institutions or acquisition targets,
financial data and information sufficient for the purposes of
facilitating such transactions and to attend any
meetings/conference calls necessary to the acquisition process.

Non-Circumvention:

eConnect acknowledges that Red Iguana may be introducing eConnect
to one or more of its clients, projects, financial resources or
acquisition targets (collectively, "Red Iguana Contacts") with
whom eConnect may have an interest in creating a business
relationship of some degree or nature.  eConnect agrees that it
shall not conduct any business discussions with any Red Iguana
Contacts without the prior knowledge of Red Iguana.  For purposes
hereof, Red Iguana shall only be deemed to have knowledge of the
discussions by eConnect with any of the Red Iguana Contacts, if
eConnect shall have disclosed the details of such discussions to
Red Iguana in writing or by having any of Red Iguana's
representatives present at any such meetings where such
introductions are made, or have been present on conference calls
between the said parties.

Confidentiality:

eConnect and each of the directors, officers, employees, agents,
advisors, affiliates and representatives of any associated
business (collectively, "Representatives), shall treat any and
all confidential information furnished to eConnect by Red Iguana
or any of Red Iguana's Representatives in the strictest
confidence.  eConnect agrees that the confidential information
will be used solely for the purpose of evaluating a possible
transaction with Red Iguana's contacts.  eConnect also agrees
that it will not disclose any of the Confidential Information to
any third party without the prior written consent of Red Iguana
provided, however, that any such information may be disclosed to
eConnect Representatives who need to know such information for
the purpose of evaluating the possible transaction on behalf of
Red Iguana and who agree to keep such information confidential
and to be bound by this Agreement to the same extent as if they
were parties hereto.  eConnect agrees to be responsible for the
compliance by its Representatives with the terms of this
Agreement and the unauthorized use or disclosure by such
Representatives of confidential information disclosed by eConnect
or Red Iguana to such Representatives.

Notwithstanding the foregoing, access to and use of confidential
information shall be restricted to those Representatives of
eConnect with a need to use the information to perform the
services or analyses specifically requested by Red Iguana of
eConnect.

Fees:

eConnect agrees to compensate Red Iguana with a fee based on the
gross value of the transaction including but not limited to cash
price, value of stock swap, assumption of debt, promissory note
value, lines of credit, joint ventures or any combination
thereof.  The fee will be agreed at 9% (nine percent) plus
accountable expenses, payable in cash and/or stock at eConnect
and Red Iguana's discretion.  The time period for this Agreement
shall be for two years from the date of signing or from the date
that the transaction occurs, whichever is greater.  Any such fee
shall be payable on a structured basis as per the following
schedule:

The cash fee will be payable at the earlier of:

When the Company has obtained financing that cumulatively reaches
four times the fee due on the closing of the initial acquisition
or transaction; or

On the sale of all or part of the business whether in cash or
stock, the cash element will be first used to meet the liability
due as a result of the fee deriving from the contemplated
transaction.  In the event that the sale is completed for stock,
the fees due and unpaid at that point will be paid in freely
tradable stock.

It is further understood that this Agreement is irrevocable and
shall be placed in the lender's/investor's or other's escrow
account as a demand, and that any aforementioned fees shall be
paid from the cash proceeds of said escrow, subject to the above
provisions.

This Agreement shall be construed and interpreted in accordance
with the laws of the state of Florida, USA.  Any controversy or
claim arising out of or relating to this contract, or the breach
thereof, shall be settled by arbitration in accordance with local
law.  Any reasonable attorney's fees and costs shall be paid in
the event of a subsequent judgment against any part hereto.

FULL AUTHORITY TO EXECUTE THIS AGREEMENT ON BEHALF OF ALL PARTIES
IN INTEREST IS WARRANTED TO BE HELD BY THE UNDERSIGNED.

Dated:  January 2, 2000.

Econnect                          Red Iguana Trading Company

By: /s/  Thomas S. Hughes         By: /s/  T.A. Sandelier, III
Thomas S. Hughes, President       T. A. Sandelier, III, PresidentASSIGNMENT OF eSPORTSBET TO eCONNECT

This Agreement states that PowerClick does hereby assign full
ownership of eSportsbet to eConnect and that eConnect agrees to
be responsible to any liabilities that may have been incurred by
PowerClick during its ownership and control of eSportsbet.

eConnect furthermore agrees that no attempt will be made by
eConnect to alter or change any prior eConnect stock and option
arrangements between eConnect and PowerClick.

Dated: January 7, 2000                    eCONNECT

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

Dated: January 7, 2000                    POWERCLICK

                                          By: /s/  Dominic Einhorn
                                          Dominic Einhorn, PresidentLETTER OF INTENT FOR NEGOTIATION AND INFORMATION EXCHANGE

This Letter of Intent for Negotiation and Information Exchange
("Agreement") is effective as of the 21st day of January, 2000
between Empire Financial Holdings, Incorporated, a Florida
Corporation with its principal place of business/residing at 1385
West State Road 434, Longwood, Florida 32750 ("Party 1") and
eConnect2Trade.com, Incorporated, a Nevada Corporation with its
principal place of business/residing at 5737 Kanan Road, # 175,
Agoura Hills, California 91301 ("Party 2").

                               General

Party 1 is engaged in securities business as a "full service "
stock brokerage firm, which includes Internet securities
transactions. Party 1 is waiting for SEC approval to become a
"clearing firm house".

Party 2 is engaged in the business of sales, marketing, and
licensing of computer software products that execute cash (ATM)
and credit card transactions via the Internet and other mediums.

The parties propose entering into an agreement concerning the
Beta testing for "same as cash" ATM transactions via Internet
brokerage accounts (the "Deal").

Since November of 1999, the parties have had discussions
concerning the Deal during which they determined that further
negotiations would be appropriate.  As it is expected that these
subsequent negotiations will involve frequent communications,
including the exchange of proprietary information, they agree as
follows.

                              Agreement

Except for Sections 2.3, 3, 4, 5, 7 and this section, all of
which are legally binding and each of which survive any cessation
of negotiations or termination of this Agreement, this Agreement
is only a statement of intent to conduct further negotiations and
does not constitute a binding Agreement in any respect.  Such a
binding Agreement will arise only when all material terms have
been set forth in a definitive written agreement, or sets of
agreements, executed by both parties (the "Final Agreement").
All drafts, term sheets, memoranda, and other communications
prepared or exchanged in the course of negotiations, even if
signed by one or both Contacts (defined below), are preliminary
and have no legal effect unless subsequently incorporated into a
Final Agreement.  Notwithstanding this, the parties agree to
negotiate in good faith the terms of a Final Agreement.

1.  Negotiations

1.1  Designation of Negotiators. The following persons (the
"Contacts") will represent the parties in the negotiations: For
Party 1, Rob Jansen and Kevin Gagne.  For Party 2, Robert Bragg.
Either party may replace their Contact(s) by giving written
notice to the other party.

2.  Conduct of Negotiations

2.1  The parties desire to execute a Final Agreement by March 30, 2000
(the "Target Date"). The Contacts will in good faith talk
regularly, schedule negotiations, and coordinate all exchanges of
information, including recommendations, drafts, and proposals. A
timetable setting forth the preliminary schedule of negotiations
is attached as Exhibit A. A reasonable number of employees,
agents, and advisers may accompany the Contacts at meetings and
negotiations.

2.2  No less than one executive(s) of both parties will meet to review
the progress of the negotiations, and to identify and clarify
issues. Following each meeting, the parties will decide whether
to continue or terminate their negotiations. The meetings may be
in person or via telephone and email. These meetings shall be no
less than once per week.

The parties will negotiate with the goal of including the
following items in the Final Agreement:

1.  Defining who contributes what, as well as who prepares specifications.

2.  Setting forth ownership rights of the parties in past, present
and future works.

3.  The respective rights of the parties to use any developed works,
including the right to license or sublicense others and the right
to make derivative works.
4.  Who pays for costs and expenses incurred.

5.  Structure of transaction fees or royalties.

6.  Defining obligations regarding future development, modifications
and enhancements.

7.  Competitive restrictions.

2.3  No Simultaneous Negotiations.  So long as the parties are
actively engaged in negotiations with each other, both agree not
to directly or indirectly enter into negotiations or arrangements
with any third parties engaged in, for Party 1: computer software
related to monetary and credit card transactions via the Internet
or any other "Network" medium; for Party 2: any brokerage firm
(B/D) engaged in Internet transactions that are the same as, or
functionally equivalent to the subject of these negotiations.

3.  Costs and Expenses of Negotiation

3.1  Each party will bear its own costs and expenses.

3.2  In the event that the parties agree to select a meeting location
other than at their respective offices. The costs will be equally
shared.

4.  Protection of Information

4.1  The parties agree to conspicuously mark all information exchanged
or created in the course of negotiations as "Confidential
Information." The receiving party along with its affiliates,
agents, and employees (collectively, "Recipient"), may not use
this Confidential Information for any purpose, including the
manufacture, design or sale of the Recipient's products and
services. The Recipient's use of the Confidential Information is
subject only to: (1) authorization, for a five (5) year period
commencing from the date of receipt, to refrain from revealing
any Confidential Information to third parties not engaged in
these negotiations by using the same care and discretion that the
Recipient employs to protect its own documents that it does not
want disclosed, and (2) the originating party's trademarks,
copyrights, and patent rights that it may not interfere or
otherwise use.

4.2  Any copies of the Confidential Information should be marked and
treated as such.

4.3  If a Final Agreement has not been executed, then upon termination
of this Agreement, the parties agree to return the other's
Confidential Information, including all copies.

4.4  The parties agree to use their best efforts to avoid disclosure
of the fact or object of their negotiations and to restrict all
internal communications concerning the negotiations to those
recipients to whom such information must be disclosed in order to
effectively conduct the negotiations. Except as otherwise
required by law, the parties agree not to issue any press
releases or make any public announcements regarding the
negotiations without the prior written approval of the other.

4.5  Despite any captions, headings, or restrictions regarding
proprietary matters or any nondisclosure notices or policy
statements contained in the Confidential Information, this
Section 4 constitutes the sole and exclusive agreement of the
parties concerning the Confidential Information and any
information exchanged or disclosed in connection with the
negotiations.

4.6  If the negotiations result in a Final Agreement, the Final
Agreement may contain further terms and conditions respecting
confidentiality)".

5.  Limitation of Liability

Despite Section 4, neither party will make a claim against, or be
liable to, the other party or its affiliates or agents for any
damages, including, without limitation, lost profits or injury to
business reputation, resulting from the continuation or
abandonment of negotiations and the consequences of same. Neither
party will make a claim against, or be liable to, the other party
or its affiliates or agents for any special, incidental, or
consequential damages, including, without limitation, lost
profits, based on any breach, default, or negligence of such
other party, its affiliates, or agents with respect to Section
2.3 of this Agreement.

6.  Term

This Letter of Intent will remain in effect until either party
gives written notice of its intention to abandon further
negotiations, or until superseded by the execution of the Final
Agreement.

7.  Other

7.1  Equitable Relief. Each party acknowledges and agrees that, if
there is any breach of this Letter of Intent, including, without
limitation, unauthorized use or disclosure of Confidential
Information or other information of the other party, the non-
breaching party will suffer irreparable injury that cannot be
compensated by monetary damages and therefore will not have an
adequate remedy at law. Accordingly, if either party institutes
an action or proceeding to enforce the provisions of this Letter
of Intent, such party will be entitled to obtain such injunctive
relief, specific performance, or other equitable remedy from a
court of competent jurisdiction as may be necessary or
appropriate to prevent or curtail any such breach, threatened or
actual. These will be in addition to and without prejudice to
such other rights as such party may have in law or in equity.

7.2  Entire Agreement. The parties acknowledge that this Letter of
Intent expresses their entire understanding and agreement, and
that there have been no warranties, representations, covenants or
understandings made by either party to the other except such as
are expressly set forth in this section. The parties further
acknowledge that this Letter of Intent supersedes, terminates and
otherwise renders null and void any and all prior or
contemporaneous agreements or contracts, whether written or oral,
entered into between Party 1 and Party 2 with respect to the
matters expressly set forth in this Letter of Intent.

8.  Fax or Email. Signatures on documents sent via fax or email,
including this "Agreement," shall be deemed an "original
signature" and is legally binding.

We have carefully reviewed this Letter of Intent and agree to and
accept its terms and conditions. We are executing this Letter of
Intent as of the day and year first written above.

PARTY 1:                                PARTY 2:

By: /s/  Kevin Gagne                    By: /s/  Robert Bragg
Kevin Gagne                             Robert Bragg
President/CEO                           President/CEO
Empire Financial Holdings, Inc.         eConnect2Trade.com, Inc.

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