Document:

Exhibit 10.28

                                  [Oasis logo]

July 18th, 2001

Mr. Ed Lomax
Director
The Bank of Nova Scotia
Scotia Plaza
44 King Street West
Toronto, ON  M5H 1H1
Canada

Dear Ed,

Subject: Letter of Intent re Solstice Alliance

This Letter of Intent ("LOI") is between Oasis Technology, Ltd. ("Oasis") and
The Bank of Nova Scotia ("Scotiabank") jointly called "the Parties." This LOI
memorializes the Parties' previous discussions and their intention to enter into
an agreement whereby Oasis, representing the Solstice Alliance ("Solstice"), and
Scotiabank will cooperate to customize, implement and pilot an EMV credit card
compliant processing system as well as a cashless payment and loyalty system in
Canada (the "Territory"), all according to the following principal terms and
conditions:

1.       Solstice is in the business of developing and commercially exploiting
         smart card based cashless payment and loyalty solutions, including,
         without limitations, its Ultimus micropayment component and its
         LoyaltyCentral and E-llegiance loyalty components (the "Technology"),
         that may be integrated with and used to enhance existing smart card
         based payment systems, including an EMV credit card compliant
         processing system.

2.       Oasis confirms that it has agreements with the other Solstice members
         being:

         a)       Cardis Enterprises International B.V.;
         b)       CIT Canada Inc. a subsidiary of Silverline Technologies;
         c)       Giesecke & Devrient Systems Canada, Inc.;
         d)       IVI Checkmate; and
         e)       Schimatic Cash Transactions Network.com, Inc. doing business
                  as Smart Chip Technologies;

         which permit it to represent Solstice.

3.       Scotiabank is in the process of integrating smart cards into its
         acquiring and issuing businesses, and is interested in enhancing its
         offerings with micropayment and loyalty components.

--------------------------------------------------------------------------------
                              Oasis Technology Ltd.
      90 Sheppard Avenue East, Suite 100, Toronto, Ontario, Canada M2N 7B3
      Tel: (416) 228-8000 - Fax: (416) 225-8581 - www.oasis-technology.com

<PAGE>
Mr. Ed Lomax
The Bank of Nova Scotia
July 18th, 2001

4.       Subject to a satisfactory due diligence and testing, the Parties wish
         to cooperate in customizing, piloting and implementing the Technology
         in the Territory.

5.       The Parties agree that the Confidentiality Agreement between Oasis and
         Scotiabank dated the 15th day of March, 2001 creates a binding legal
         relationship between the parties with respect to its content.

6.       The Parties agree on the following immediate actions:

         a.       Summarizing mutually agreed guidelines on pricing and
                  concessions related to planning, piloting and implementation.

         b.       Enter into a joint planning phase for specifying the business
                  requirements; identify the pilot goals, plan and success
                  criteria; draft an implementation plan, and conclude
                  Scotiabank's due diligence.

         c.       Draft a binding contract (the "Agreement").

Other than the portion concerning the confidentiality agreement, this LOI is
intended merely to express the Parties' intentions and agreed actions toward
entering into the Agreement, and shall not be construed in any way as a legally
binding contract.

Please confirm your agreement to these terms by signing, dating, and returning
to me the enclosed copy of this letter.

Yours very truly,                                       Accepted and agreed to:

OASIS TECHNOLOGY LTD.                                   THE BANK OF NOVA SCOTIA

/s/ Arnie Birenbaum                                     By:  /s/ Ed Lomax
------------------------------------                    ------------------------
Arnie Birenbaum                                         Name:  Ed Lomax
Senior Vice President and Group Head                    Title:  Director
                                                        Date:  July 18, 2001Exhibit 10.29

                               SUBLEASE AGREEMENT

This sublease is between e-dn.com, Inc. ("Tenant") and Smart Chip Technologies,
LLC ("Subtenant").

Pursuant to said sublease agreement, Subtenant hereby agrees to initially
sublease from Tenant number (2) interior offices and number (4) cubicles
(collectively, the "Work Spaces") at 26800 Laguna Hills Drive, Suite 100, Aliso
Viejo, CA 92656 commencing September 4, 2001, on a month-to-month basis.

Subtenant agrees to abide by all terms and conditions of original lease entered
into by Tenant and Aliso Viejo Town Center Corporate Park LLC (Landlord) dated
July 1, 2000. The original lease agreement and all terms and conditions thereof
is hereby incorporated by reference into this sublease agreement.

Subtenant agrees to pay Tenant monthly rent in the amount of $1,000 per office
per month, and $700 per cubicle per month, payable on the first of each month
for that month. Subtenant agrees to pay Tenant first and last month rent due
upon the signing of this sublease agreement. Subtenant will be in default of
this sublease if rent is not paid by the 5th of the month, and Tenant shall have
the right to terminate this sublease at any time thereafter. The monthly rent
shall include use of desks, telephones, telephone service and reception service
included in the Work Spaces on and general office facilities, each on an as is
basis. Subtenant agrees to pay for all expenses not common to the facility,
including but not limited to: long distance telephone usage, office supplies and
food and beverages. Tenant may bill Subtenant for any such items billed to
Tenant by third party services providers, and Subtenant agrees to pay Tenant for
such items within fifteen (15) days of date billed. Subtenant may also request
other services from Tenant, including but not limited to additional services of
Tenant employees, which Tenant will accommodate subject to employee workloads
and availability. Tenant employee time will be invoiced to Subtenant at
reasonable rates to be agreed to in advance.

<PAGE>

Subtenant and Tenant each agree to not solicit, harass, or interfere with, the
employees of the other, and to cohabitate in the facility in a professional
manner.

Subtenant is responsible for any damages to the premises, and lost, damages or
stolen equipment or goods that occur as a result of actions by Subtenant and its
employees or other guests or representatives. Subtenant agrees to reimburse
Tenant immediately upon presentation for any costs paid by Tenant to correct
such damages. Subtenant, at its own expense, agrees to carry general property
and liability insurance with limits of at least $2 million, and to name Tenant
and Landlord as additional insureds under said policy(ies).

Either party may terminate this agreement with 30 days written notice, or
immediately upon incurred breach of any of the terms herein.

For Tenant:

/s/ Dean Trojan                                  9-6-01
---------------------------------------          ----------------------------
Signature and Print Name                         Date

/s/ Jim Williams                                 9/6/01
---------------------------------------          ----------------------------
Signature and Print Name                         Date
Jim WilliamsExhibit 10.30

                             Co-Marketing Agreement

                            concluded by and between

                         PROTON WORLD INTERNATIONAL S.A.
                    10 rue du Planeur, 1130 Brussels, Belgium

                                of the one part,
                       -hereinafter referred to as "PWI" -

                                       and

                          Smart Chip Technologies, Inc.
              740 East 3900 South, Salt Lake City, Utah 84107, USA
                      - hereinafter referred to as "SCTN" -

                               of the other part.

<PAGE>
                            Confidential Information

1.       Recitals

         PWI has developed and owns a Card and Application Life-Cycle
         architecture (the "CALC Architecture") being a set of open platform
         based tools to manage the life-cycle of the multi-applications smart
         card based technology known under the name "Proton Prisma", including
         personalising and dynamic downloading of applications, and the Data
         File Management ("DFS") pertaining thereto, (hereafter referred to as
         the "CALC Technology").

         SCTN is a Software Technology Company with a patent protected loyalty
         application for use in the smart card and wireless environment. The
         software is designed to operate on smart cards, point-of-sale
         terminals, and smart devices such as personal digital assistants. SCTN
         also provides complete loyalty program management, transaction
         processing, and accounting services through its LoyaltyCentral(tm)
         software and back office operation.

2.       Functional Scope of the Agreement

         PWI and SCTN agree to cooperate on the marketing and sale of joint
         solutions based on PWI's multi-application smart card based technology
         know as "Proton Prisma" and SCTN's Loyalty Application as set out in
         detail in this Agreement.

3.       Subject of the Agreement

         The cooperation between PWI and SCTN encompasses the aspects described
below:

3.1.     Leads

         If a third party desires to establish contact with one of the partners
         ("Lead"), the other party agrees to proceed as follows:

         a)   In cases where one of the partners is directly mentioned by name,
              the other party agrees to refer the Lead immediately to the party
              concerned, if possible accompanied by the following information:
              see Annex 1, Lead Details (schedule of minimum information on
              Leads).

         b)   In cases where neither of the partners is mentioned directly by
              name, but where it can be reasonably deduced which partner is
              intended, the Leads will be referred to the party concerned in the
              same way as described in a) above.

         c)   Press Leads should be followed up by the party receiving them.
              However, the other party must be informed immediately. The
              procedure is in accordance with 3.10 below.

         d)   All other third party leads need not be referred to the other
              party, especially in the case of associations, government agencies
              or suppliers, unless the third party requests SCTN services
              offered by PWI or vice versa.

co-MKTG PWI-SCTNv21.doc                 2                               10/19/01
<PAGE>
                            Confidential Information

         e)   Beyond the information described in Annex 1, no customer
              information should be exchanged with the other party in particular
              no lists of customers will be shared. It is further agreed that no
              information on a party's suppliers is to be exchanged with the
              other party except when necessary for compliance with the terms of
              this agreement or the Licensing agreement signed on October, XX
              2001.

3.2.     Promotional material

         SCTN and PWI agree to supply each other with adequate quantities of
         their promotional material, and to use the same to promote each others
         products when appropriate for the sales situation. The joint
         development of any combined promotional material must be agreed before
         hand in writing on a case by case basis as a supplement to this
         Agreement. The written agreement must include, in particular, a
         provision on the allocation of the costs incurred. However, SCTN and
         PWI agree to develop a sales kit and training sessions to support this
         and other sales efforts.

3.3.     Customer acquisition planning

         PWI and SCTN intend to jointly develop a plan for the acquisition of
         customers for SCTN's Loyalty applications based on Proton's
         multi-application smart card technology. The customer acquisition plan
         shall be in place no later than 90 days after the execution of the
         contract. However, execution of the plan will commence according to the
         schedule for the availability of product.

         Each partner acquires a global, non-transferable, non-exclusive right
         to use the finished plan or preliminary stages thereof solely in the
         context of this agreement. Furthermore, neither party may pass the plan
         or its preliminary stages to a competitor of the other party, or use it
         in any way in connection with such a competitor. If the agreed
         resources are not sufficient for completion of the plan, the parties
         may agree, in writing, to make further resources available. If such an
         agreement is not reached, the work on the customer acquisition plan
         will be discontinued.

3.4.     Sales calls

         Joint calls on customers will be jointly prepared and the details of
         the offer and its conditions agreed between the partners adequately in
         advance of the call. Unless explicitly otherwise agreed in writing,
         each partner itself bears the costs that it originates.

3.5.     Joint promotional activities

         It is understood by the parties that a mutually agreed to press release
         describing the intent of the parties as laid out in this agreement will
         be released within 5 business days after the execution of the
         agreement.

co-MKTG PWI-SCTNv21.doc                 3                               10/19/01
<PAGE>

                            Confidential Information

3.6.     Joint business plan

         PWI and SCTN will jointly develop a business plan for approaching the
         multi-application smart card market segment with the Prisma based
         Loyalty application described herein. The business plan shall be in
         place 90 days after the execution of the agreement.

         Each partner acquires a global, non-transferable, non-exclusive right
         to use the finished plan or preliminary stages thereof solely in the
         context of this agreement. However, neither partner may pass the plan
         or its preliminary stages to a competitor of the other partner, or use
         it in any way in connection with such a competitor. If the agreed
         resources are not sufficient for completion of the business plan, the
         partners may agree in writing to make further resources available. If
         such an agreement is not reached, the work on the business plan will be
         discontinued.

3.7.     Development activities

3.8.     Joint development activities are agreed in writing by means of a
         separate development agreement on a case by case basis. Before the
         execution of such a development agreement there is no obligation to
         undertake development activities and no entitlement to remuneration or
         payment of expenses. For the sake of clarity, the parties acknowledge
         that they have signed a Licensing agreement that enables the
         integration of SCTN's Loyalty solutions to the Proton Prisma
         technology. This paragraph will have no effect on that agreement Mutual
         support

         Both parties undertake to use reasonable efforts to support each other
         within the prudent limits of their commercial and operational
         capabilities, except where otherwise provided under this Agreement.
         Such support shall not include the disclosure of know-how or the
         performance of any services for the respective other party that exceed
         those specifically provided under this Agreement. Each party undertakes
         to behave fairly and cooperatively towards the other party at all times
         and to take fair and reasonable account of the other party's interests.

3.9.     External communications

         The parties agree to consult on any report or information on their
         cooperative activities before its publication. An exception to this
         rule is only admissible if, in the case of public relations contacts
         that occur orally, e.g. interviews with the press, prior consultation
         is not possible. In such a case, the party concerned may repeat
         information on the cooperation that is already in the public domain.
         Information that has not yet been published may not be disclosed.

3.10.    Use of company name and logo

         PWI consents to SCTN using the company name Proton World International
         and the company logo in the form made available to it in Annex 2 for
         the term of the Agreement as follows:

         -        the cooperation with PWI may be indicated on all promotional
                  materials, using the form of expression as stated in Annex 2

co-MKTG PWI-SCTNv21.doc                 4                               10/19/01
<PAGE>
                            Confidential Information

         -        PWI company name and logo may be used on SCTN's Internet site
                  in the format shown in Annex 2

         -        Web site links

         SCTN consents to PWI using SCTN's company name and logo as follows:

         -        Web site links

         -        SCTN's company name and logo may be used on PWI Internet site
                  in the format shown in Annex 2

         -        the cooperation with SCTN may be indicated on all promotional
                  materials, using the form of expression as stated in Annex 2

3.11.    Alterations and additions

         The parties are aware that in the course of their cooperation
         alterations and additions to the subject of the Agreement will be
         necessary in order to sustain the effectiveness and focus of the
         cooperative activities. They are therefore fundamentally prepared to
         discuss initiatives for alterations and additions at any time with the
         other party. However, the parties are aware that the exercise of a
         certain discipline in documenting the subject of the Agreement, among
         other aspects, is necessary to ensure the long-term success of the
         cooperation. They therefore explicitly agree that alterations and
         additions to the subject of this Agreement shall not be legally binding
         unless and until they have been confirmed in writing by both parties on
         the same document. The text of such document shall refer to this
         Partnering Agreement.

4.       Non-disclosure

4.1.     The parties hereto agree to treat all information in connection with
         this Agreement and all other confidential information belonging to the
         parties and/or affiliated organizations as confidential.

4.2.     Unless explicitly otherwise agreed by the parties, "confidential
         information" shall be taken to mean:

         a)       All and any information that one of the parties to this
                  Agreement has designated as confidential.

         b)       Lists of customers, lists of suppliers, detailed information
                  on customers, accounting data and information on business
                  plans and business activities in the fields of administration,
                  finance or marketing.

         c)       Technical specifications, drawings, descriptions, blueprints,
                  documents, tapes, samples etc.

4.3.     The parties agree to treat such confidential information as secret and
         not to use it, in whole or in part, for any purposes other than for the
         fulfillment of this Agreement. The parties hereto agree not to disclose
         confidential information to third parties, either by publication or in
         any other form, unless both parties agree to such disclosure. Either

co-MKTG PWI-SCTNv21.doc                 5                               10/19/01
<PAGE>
                            Confidential Information

         party may disclose confidential information of the other party or of
         the customer to its employees or affiliated companies if this is
         necessary for fulfillment of this Agreement. However, this presupposes
         that the employees or affiliated companies concerned have entered into
         an obligation to maintain confidentiality in such a way as if they were
         themselves parties to this Agreement.

4.4.     The provisions of this Agreement and the resulting circumstances shall
         also be treated as confidential.

4.5.     This clause does not protect confidential information that

         a)       is or becomes publicly accessible without breach of this
                  Agreement,

         b)       one of the parties has received from third parties in a
                  legally permissible way without being bound by an obligation
                  to preserve confidentiality,

         c)       must be published, according to statutory or common law,

         d)       one of the parties can prove by means of written records that
                  it has developed independently,

         e)       has been released in writing for publication by the party to
                  which it belongs.

4.6.     On demand, or on expiry or termination of this Agreement, each party
         shall return to the other party all written documents or descriptive
         materials, including drawings, blueprints, descriptions or other
         papers, documents, tapes or any other medium that contains confidential
         information belonging to the other party. Both parties undertake to
         conclude agreements with those of their employees or other persons who
         have access to confidential information belonging to the parties in
         such a way that fulfillment of the provisions of this Agreement can be
         ensured.

4.7.     All and any original materials or documents that have been drawn up,
         produced or prepared by either party as a consequence of this Agreement
         are property of the party that has produced these materials or
         documents. Neither party will copy, in whole or in part, any original
         materials that have been developed under this Agreement by the other
         party, unless this serves the purposes of this Agreement.

5.       Proposals; Agreements with Third Parties

         This Partnering Agreement does not constitute an adequate basis for
         submitting joint or coordinated proposals or concluding joint or
         coordinated agreements with customers, suppliers or other third
         parties. In these cases the cooperative activity takes place solely on
         the basis of separate, written agreements that must be concluded
         adequately in advance of such activity.

6.       Liability

6.1.     Neither of the parties hereto shall be liable to the other for any
         breach of obligations under this Agreement if such breach is due to
         circumstances beyond its control, in particular to cases of force
         majeure.

co-MKTG PWI-SCTNv21.doc                 6                               10/19/01
<PAGE>
                            Confidential Information

6.2.     Irrespective of the nature of the claim, each party shall only be
         liable to the other for actual, provable damage or loss caused by this
         party with harmful intent or by negligence. Each party's liability
         towards the other party under this Agreement shall be limited to the
         sum of USD 25,000. Neither party shall be liable to the other under any
         circumstances for indirect or consequential damage or losses, including
         loss of profit.

6.3.     The above provisions comprehensively govern all legal consequences and
         the entire liability of each party in connection with matters under
         this Agreement, with the exception of claims based on mandatory law.

7.       Termination

7.1.     Either party may terminate this Agreement effective at the end of a
         calendar year by giving the other party three months' prior written
         notice.

7.2.     The right of either party to terminate for cause remains intact. Cause
         for termination may be given in the following instances:

         -        if one of the parties hereto has persistently failed to comply
                  with material obligations under this Agreement,

         -        if insolvency proceedings have been instituted against one of
                  the parties,

         -        if there is a material change in the ownership or management
                  structure of SCTN that results in a situation where SCTN is
                  owned or controlled by a competitor of PWI.

7.3.     The provision in 4. above concerning non-disclosure shall survive
         termination of this Agreement.

8.       Other provisions

8.1.     Unless otherwise explicitly provided in this Agreement or elsewhere,
         each party itself bears the expenses that it incurs as a result of this
         Partnering Agreement, e.g. costs of travel, working time, materials.

8.2.     Each party acts as an independent organization and no agency,
         partnership, joint venture or other joint marketing relationship is
         established by this Agreement or its implementation. In particular no
         joint property or joint assets and liabilities are created thereby.

8.3.     If any term or provision of this Agreement is invalid, legally
         ineffective or unenforceable, the validity, legal effectiveness and
         enforceability of the remaining provisions shall not be affected
         thereby. In such a case, the parties shall agree on a legally effective
         provision that comes as close as possible to their original intentions.
         The same applies analogously to any omission from the contractual
         provisions.

8.4.     This Agreement shall be construed in accordance with and governed by
         Belgian law.

co-MKTG PWI-SCTNv21.doc                 8                               10/19/01
<PAGE>
                            Confidential Information

8.5.     Amendments to this Agreement shall not be effective unless agreed
         explicitly in writing.

9.       Annexes

Annex 1:  Lead Details

Annex 2:  Company Name and Logo

Signed in Brussels on _________________                Signed in California on
                                                       19th October 2001

By:                                                    By: /s/ Richard T. Hauge
   -----------------------------------                     --------------------
   Armand Linkens                                          Richard T. Hauge
   CEO Proton World International NV SA                    SVP Global Alliances

Signed in California on 19th October 2001

By: /s/ Michael C. Nash
   -------------------------------------
   Michael C. Nash
   President Proton World Americas Inc.

co-MKTG PWI-SCTNv21.doc                 9                               10/19/01
<PAGE>

Annex 1, Lead Details

co-MKTG PWI-SCTNv21.doc                10                               10/19/01
<PAGE>

Annex 2  , Company Name and Logo

co-MKTG PWI-SCTNv21.doc                11                               10/19/01

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