CONSULTANT AGREEMENT This Agreement states that Terrie Pham shall receive 500,000 warrants for eConnect common stock, which are exercisable at $0.40 per share until December 31, 2000. This agreement is in consideration of consulting work performed by...

                        CONSULTANT AGREEMENT



2/2/00



This Agreement states that Xxxxxx Xxxx shall receive 500,000

warrants for eConnect common stock, which are exercisable at

$0.40 per share until December 31, 2000.  This agreement is in

consideration of consulting work performed by Xx. Xxxx in 1999.





/s/  Xxxxxx X. Xxxxxx                  /s/  Xxxxxx Xxxx

Xxxxxx X. Xxxxxx                       Xxxxxx Xxxx

Chairman & CEO, eConnect