Document:

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Exhibit 4.8

CONSULTING SERVICES AGREEMENT

This Consulting Services Agreement ("Agreement"), dated July 11, is made by and
between Quinn Brady, an individual ("Consultant"), whose address is 199 S.W.
15th Dr. Boca, Raton Fl 33432, and eConnect, having its principal place of
business at 2500 Via Cabrillo Marina, Suite 112, San Pedro, California 90731.

WHEREAS, Consultant has background experience, resources and contacts in the
MLM industry and ; and will engage in the pursuit of a developing such industry
for usage of the eCashpad transactions. Consultant, at his own expense, may
engage other parties in the securities industry or related fields to assist
Consultant to provide the most efficient and expeditious service to Client;

WHEREAS, Consultant desires to be engaged by Client to provide information,
evaluation and consulting services to the Client in his areas 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 of the Client and its image;

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and WHEREAS, Client desires to engage Consultant to provide information,
evaluation and consulting services to the Client in his areas 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 Client all necessary services required to
identify and develop merchants in the MLM industry with with specific focus on
eCashPad ATM card with PIN transactions. As such, Consultant, through the
services of Cormaxinc.com (CMXS), will be providing bona fide services to
Client. The services to be provided by Consultant will not be in connection with
the offer or sale of securities in a capital- raising transaction, and will not
directly or indirectly promote or maintain a market for Client's securities.

2.  Consideration.

Client agrees to pay Consultant, as his fee and as consideration for services
provided, six hundred thousand (600,000) shares of S-8 free trading common stock
in Client. Shares are due and payable immediately upon the effectiveness of the
Form S-8 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

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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

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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

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2500 Via Cabrillo Marina, Suite 112 San Pedro, California 90731

To Consultant:

Quinn Brady
199 S.W. 15th Dr. Boca, Raton Fl  33432

(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 contained in paragraphs 3, 5, 6, and 8 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

/s/ Quinn Brady
Quinn Brady

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Exhibit 4.9

CONSULTING SERVICES AGREEMENT

This Consulting Services Agreement ("Agreement"), dated July 11, is made by and
between Don Yarter, an individual ("Consultant"), whose address is 273 S. 1550
E., Bountiful, Utah 84010, 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 background experience, resources and contacts in the
smartcard industry; and will engage in the pursuit of a developing such industry
for usage of the eCashpad

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transactions. Consultant, at his own expense, may engage other parties in the
securities industry or related fields to assist Consultant to provide the most
efficient and expeditious service to Client;

WHEREAS, Consultant desires to be engaged by Client to provide information,
evaluation and consulting services to the Client in his areas 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 of the Client and its image;

and WHEREAS, Client desires to engage Consultant to provide information,
evaluation and consulting services to the Client in his areas 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 Client all necessary services required to
identify and develop eCashPad ATM card with PIN instant cash payments to
smartcard, and various resort oriented firms with the target of payments of
PERFECT industry specialty ATM card with PIN instant cash payments. Consultant
will further provide offers, by all parties, to Client to initiate Client's
development of the PERFECT industry. As such, Consultant will be providing bona
fide services to Client. The services to be provided by Consultant will not be
in connection with the offer or sale of securities in a capital- raising
transaction, and will not directly or indirectly promote or maintain a market
for Client's securities.

         2.  Consideration.

         Client agrees to pay Consultant, as his fee and as consideration for
         services provided six hundred thousand (600,000) shares of S-8 free
         trading common stock in Client. Shares are due and payable immediately
         upon the effectiveness of the Form S-8 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.

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         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

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         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.

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         (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.
          Additionally, until initial agreement with said consultant is
         completed, twenty five thousand in cash, plus back house payments, and
         seven hundred and fifty thousand shares of consultant stock are paid in
         full, contract can not be changed or severed for any reason.

         (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:

         Don Yarter
         273 S. 1550 E., Bountiful, Utah  84010

         (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.

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         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 contained in paragraphs 3, 5, 6, and 8 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
         /s/   Don Yarter
         Don Yarter

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