Document:

CONSULTING AGREEMENT

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

                   (hereinafter referred to as the "Company")

                                     -and-

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

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

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

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

      1.    Scope of the Services

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

      0.1.    The Consultants will assist the Company in [CONFIDENTIAL PORTION
              DELETED AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE
              COMMISSION] in the business of Electronic Funds Transfer and
              Automated Funds Transfer, for the furtherance of the Company's
              international business objectives, particularly in the U.K. and
              Europe, to support the growth of the Company.

      0.2.  The Consultants will [CONFIDENTIAL PORTION DELETED AND FILED
              SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] and
              [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
              SECURITIES & EXCHANGE COMMISSION] on going systems to
              [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
              SECURITIES & EXCHANGE COMMISSION] of the Company's activities
              among the appropriate

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              sectors of the international business community and hence
              [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
              SECURITIES & EXCHANGE COMMISSION] a [CONFIDENTIAL PORTION DELETED
              AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] in
              the Company, it's products and services.

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

      2.      Term

              The initial term of this Agreement shall be [CONFIDENTIAL PORTION
              DELETED AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE
              COMMISSION] from the [CONFIDENTIAL PORTION DELETED AND FILED
              SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] hereof. The
              parties hereto shall have the [CONFIDENTIAL PORTION DELETED AND
              FILED SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] this
              Agreement for a [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY
              WITH THE SECURITIES & EXCHANGE COMMISSION] term upon mutual
              agreement any time before the [CONFIDENTIAL PORTION DELETED AND
              FILED SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION].

      3.      Contractual Relationship

              In performing the services under this Agreement, The Consultants
              shall operate and have the status of [CONFIDENTIAL PORTION DELETED
              AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION]
              and shall not act as or be [CONFIDENTIAL PORTION DELETED AND FILED
              SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] of the
              Company.

1.    [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES
& EXCHANGE COMMISSION]

      The Consultants and his designees shall be entitled to a [CONFIDENTIAL
      PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE
      COMMISSION] by way of issuing of [CONFIDENTIAL PORTION DELETED AND FILED
      SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] of the Company, in
      restricted [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
      SECURITIES & EXCHANGE COMMISSION]. [CONFIDENTIAL PORTION DELETED AND FILED
      SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] of the [CONFIDENTIAL
      PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE
      COMMISSION] shall be [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY

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      WITH THE SECURITIES & EXCHANGE COMMISSION] upon execution of this
      Agreement. The [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
      SECURITIES & EXCHANGE COMMISSION] shall be [CONFIDENTIAL PORTION DELETED
      AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] following
      the date of this Agreement, after approval by the Board of Directors of
      the Company, based upon a review of Consultant's work to that date. The
      [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES &
      EXCHANGE COMMISSION] shall be [CONFIDENTIAL PORTION DELETED AND FILED
      SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] at [CONFIDENTIAL
      PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE
      COMMISSION] upon [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH
      THE SECURITIES & EXCHANGE COMMISSION].

1.    [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES
& EXCHANGE COMMISSION]

      The Consultants shall be responsible for the [CONFIDENTIAL PORTION DELETED
      AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] of its
      [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES &
      EXCHANGE COMMISSION] incurred while The Consultants is [CONFIDENTIAL
      PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE
      COMMISSION] relating to this Agreement.

1.    Reliance On Accurate Information

      Since The Consultants will rely upon the accuracy and completeness of
      information supplied to him by the Company, its officers, directors and
      agents, The Company agrees to [CONFIDENTIAL PORTION DELETED AND FILED
      SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] and [CONFIDENTIAL
      PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE
      COMMISSION] The Consultants [CONFIDENTIAL PORTION DELETED AND FILED

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      SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] at the Company's
      [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES &
      EXCHANGE COMMISSION] in any [CONFIDENTIAL PORTION DELETED AND FILED
      SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] or [CONFIDENTIAL
      PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE
      COMMISSION] that may arise out of or due to any inaccuracy or
      incompleteness of such material supplied to The Consultants by the
      Company. The Consultants will not disseminate any material to relative
      business or industry sources, the media or the public without the prior
      consent and knowledge of the Company. The Consultants agree to
      [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES &
      EXCHANGE COMMISSION] and [CONFIDENTIAL PORTION DELETED AND FILED
      SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] The Company
      [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES &
      EXCHANGE COMMISSION] because of any claim, or other litigation, whereby
      The Company believes it is required to defend itself, due to an alleged
      misrepresentation promulgated by The Consultants, relating to The Company
      and its products or services. In addition The Company and The Consultants
      shall each be excused from any act of God, fire, strike, riot, civil
      disobedience; insurrection, boycott, act of public authorities, delay or
      default caused by public common carriers, inability to obtain raw
      materials, computer related equipment outages, or other causes beyond
      reasonable control, provided Moneyflow Systems international and The
      Consultants shall take all steps reasonably necessary to effect prompt
      resolution of the inability to perform the Agreement.

      7.      Miscellaneous

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

II.   Relationship of the Parties. It is expressly understood and acknowledged
      that it is not the intention or purpose of this Agreement to create, nor
      shall the same be construed as creating, any type of [CONFIDENTIAL PORTION
      DELETED AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE COMMISSION] or
      [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES &
      EXCHANGE COMMISSION].

III.  Force Majeure.  Neither Party shall be considered in default in
      performance of its obligations, should its performance thereof be
      delayed or prevented by force majeure.  "Force Majeure" shall include,
      but not be limited to: hostile, restraint of rules or peoples
      revolution, civil commotion or riots, strike or lockout, epidemic,
      accident, fire, flood, earthquake, windstorm or explosion; lack of, or
      failure of transportation facilities, lack of, or failure of power
      facilities, regulation or ordinance, demand or requirement of or denial
      of approval by any government agency having or claiming to have
      jurisdiction over the

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      subject matter of this Agreement or over the parties; or any act of God or
      any act of Government, or any cause, whether of the same or different
      nature, existing or future, which is beyond the control and without the
      fault or negligence of the parties.

1.    NOTICES

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

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

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

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

      Alternatively, at such other address as the Consultants or the Company
      shall designate by written notice. Any notice shall be deemed to have been
      given on the date on which it is delivered, or on the [CONFIDENTIAL
      PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES & EXCHANGE
      COMMISSION] of the notice, or on a date, which the facsimile transmission
      is received by the addressee, and in the case of mailing subject to the
      duration of any interruption in the postal services.

1.    REPRESENTATIONS

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

1.    ENTIRE AGREEMENT

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

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<PAGE>

      IN WITNESS WHEREOF the parties have executed this Agreement in the City of
Calgary in the Province of Alberta, this ____ day of
__________________________________, 2001.

The Consultants-

---------------------------         -------------------------------
Herstmonceux Capital                The Company

--------------------------
R. J. Drewett

                                       6CONSULTING AGREEMENT

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

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

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

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

IT IS HEREBY AGREED BY AND BETWEEN THE PARTIES THAT:

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

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

            A.    Construction of the [CONFIDENTIAL PORTION DELETED AND FILED
                  SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] in
                  accordance with the provision of Appendix A;

            B.    [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
                  SECURITIES AND EXCHANGE COMMISSION] to [CONFIDENTIAL PORTION
                  DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
                  COMMISSION] parties as provided for in Appendix B;

            C.    Construction of [CONFIDENTIAL PORTION DELETED AND FILED
                  SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION]
                  related to the Company and its products in accordance with the
                  provisions of Appendix C;

            D.    Solicited [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY
                  WITH THE SECURITIES AND EXCHANGE COMMISSION] to [CONFIDENTIAL
                  PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
                  EXCHANGE

<PAGE>

                  COMMISSION] and institutions in accordance with the provisions
                  of Appendix D;

            E.    Initiate [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY
                  WITH THE SECURITIES AND EXCHANGE COMMISSION] of [CONFIDENTIAL
                  PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
                  EXCHANGE COMMISSION], [CONFIDENTIAL PORTION DELETED AND FILED
                  SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION] and
                  [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
                  SECURITIES AND EXCHANGE COMMISSION] in accordance with the
                  provisions of Appendix E;

            F.    Create an [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY
                  WITH THE SECURITIES AND EXCHANGE COMMISSION] as provided for
                  in Appendix F.

      3.    The initial term of this Agreement shall be [CONFIDENTIAL PORTION
            DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
            COMMISSION] from the date of execution hereof. The parties hereto
            shall have the option of renewing this Agreement for a further
            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION] upon mutual agreement anytime
            before the expiration of the initial term.

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

            To the Company:

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

            With a Copy to:

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

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<PAGE>

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

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

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

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

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

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            reasonable control, provided the Company and the Consultants shall
            take all steps reasonably necessary to effect prompt resolution of
            the inability to perform the Agreement.

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

      10.   This Agreement shall be governed by the laws of the Province of
            Alberta and any court proceedings commenced hereunder shall be
            commenced and concluded at the venue of Consultant's direction
            within the Province of Alberta and that should any legal action
            be commenced by the Company against the Consultants, the Company
            shall provide the Consultants with [CONFIDENTIAL PORTION DELETED
            AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION]
            to the Consultants to select venue within the Province of Alberta
            to commence its action.  Should the Consultants refuse or neglect
            to advise the Company of said venue within the time period noted
            herein, then the Company shall be at liberty to select is own
            venue within the Province of Alberta.

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

      12.   In [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION] of the Consultants performing
            the services noted in the attached Appendices, the Company shall
            [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
            SECURITIES AND EXCHANGE COMMISSION], subject to the approval of
            the Company's Board of Directors, after a review of the
            Consultant performance to that point.  The [CONFIDENTIAL PORTION

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            DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
            COMMISSION].

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

Per:

--------------------------                ---------------------------
Blaine Ruzycki                            Dan Forigo

--------------------------                ---------------------------
Michelle Balic                            Nola Ruzycki

The Company:

--------------------------
Hal Schultz, President

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<PAGE>

                                   Appendix A

   [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
                              EXCHANGE COMMISSION]

<PAGE>

                                   Appendix B

   [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
                              EXCHANGE COMMISSION]

<PAGE>

                                   Appendix C

   [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
                              EXCHANGE COMMISSION]

<PAGE>

                                   Appendix D

    [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES &
                              EXCHANGE COMMISSION]

<PAGE>

                                   Appendix E

   [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
                              EXCHANGE COMMISSION]

<PAGE>

                                   Appendix F

   [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
                              EXCHANGE COMMISSION]

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