CONSULTANT AGREEMENT 2/2/00 This Agreement states that Harvey M. Burstein 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 Mr. Burstein in 1999. /s/ Thomas S. Hughes /s/ Harvey M. Burstein Thomas S. Hughes Harvey M. Burstein Chairman & CEO, eConnect