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 ▇▇▇▇▇▇ ▇▇▇▇ 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 ▇▇. ▇▇▇▇ in 1999.





/s/  ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇                  /s/  ▇▇▇▇▇▇ ▇▇▇▇

▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇                       ▇▇▇▇▇▇ ▇▇▇▇

Chairman & CEO, eConnect