Document:

Exhibit 10.04

                                  AGREEMENT FOR
                         INDEPENDENT CONTRACTOR SERVICES

DATE:    July 7, 2004

                                  I.    PARTIES
                                        -------

Schimatic Cash Transactions Network.com, Inc. dba Smart Chip Technologies,
hereinafter "Company." and

Bernard F. McHale, hereinafter called "Contractor,"

hereby enter into this Agreement for Independent Contractor Services,
hereinafter "Agreement," effective July 1, 2004.

                         II.    ENGAGEMENT OF CONTRACTOR
                                ------------------------

Company hereby engages Contractor, and Contractor accepts engagement, to provide
to Company the following services:

     Treasurer and Director. Mr. Bernard F. McHale will serve as Director and
Treasurer of the SCTN Board of Directors and will perform all the services of a
Director and Treasurer in accordance with the By-Laws of the Company and as
directed by the Board, including, but not limited to, fund raising and executive
financial management of SCTN. He will assist in establishing and enforcing
financial controls, installing business planning, and building business
operations. Contractor will also assist other officers or directors of the
company concerning "special projects" as designated to him from time to time by
the Board of Directors.

                           III.    TERM OF ENGAGEMENT
                                   ------------------

This Agreement shall be for three (3) years term commencing on July 7, 2004 and
ending July 6, 2007, unless terminated sooner by the Board of Directors.

                           IV.    WORKPLACE AND HOURS
                                  -------------------

Contractor shall render services primarily at his home office and at the
Company's Corporate Office. However, upon request, Contractor shall provide the
services at such other place or places as reasonably requested by Company as
appropriate for the performance of particular services.

Contractor's schedule and hours worked under this Agreement shall generally be

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Bernard McHale Contractor Agreement (Cont.)                               Page 2
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subject to Contractor's discretion. Company relies upon Contractor's discretion
to determine a sufficient time as is reasonably necessary to fulfill this
Agreement.

                               V.    COMPENSATION
                                     ------------

Company shall pay Contractor two thousand five hundred dollars ($2,500) per
month, paid as the Company's cash flow permits. If there is not enough to pay
salaries, the Board of Directors will determine how salaries are paid.

Company shall bear all of Contractor's pre-approved expenses incurred in the
performance of this Agreement.

                             VI.    CONFIDENTIALITY
                                    ---------------

"Confidential Information" for the purposes of this Agreement shall include
Company's proprietary and confidential information including, without
limitations, business plans, customer lists, marketing plans, financial
information, designs, drawing, specifications, models, software, source codes
and object codes. At termination of this Agreement, Contractor shall turn over
to Company all originals and copies of tangible material containing or
reflecting Company's Confidential Information. During the term of this
Agreement, and thereafter for 24 months, Contractor shall not, without the prior
written consent of Company, disclose to anyone any Confidential Information. The
parties agree that remedies available at law are inadequate to compensate for
breach of this paragraph, and that either party may apply to a Court of
competent jurisdiction for equitable relief upon proper showing.

                            VII.    CONTRACTOR STATUS
                                    -----------------

It is expressly understood and agreed that Contractor is and throughout the term
of this Agreement shall be an independent contractor and not an employee,
partner, or agent of Company. Contractor shall not be entitled to nor receive
any benefit normally provided to Company's employees. Contractor agrees that
Company shall have ownership, title, and Company reserves all rights, including
copyrights, of all works created by Contractor under this Agreement, including
but not limited to source code. Contractor hereby prospectively assigns all such
works to Company, for the consideration provided in Paragraph V. Company shall
not be responsible for withholding income or other taxes from the payments made
to Contractor. Contractor shall be solely responsible for filing all returns and
paying any income, social security, or other tax levied upon or determined with
respect to the payments made to Contractor pursuant to this Agreement.
Contractor is solely responsible for the means, manner, and method of
Contractor's work, subject only to the general objectives and requirements, and
specific direction, of SCTN's Board.

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Bernard McHale Contractor Agreement (Cont.)                               Page 3
--------------------------------------------------------------------------------

                           VIII.    CONTRACTOR'S TOOLS
                                    ------------------

Unless otherwise agreed by Company in advance, Contractor shall be solely
responsible for procuring, paying for, and maintaining any and all equipment,
software, paper, tools or other supplies necessary or appropriate for the
performance of Contractor's services hereunder.

                              X.    CONTROLLING LAW
                                    ---------------

The validity and construction of this agreement shall be governed by the laws of
the State of Utah without reference to the choice of law principles thereof and
the parties hereto consent to and agree that the courts of the State of Utah,
County of Salt Lake, shall be the jurisdiction and forum for the resolution of
all disputes related to this agreement or arising there from.

                             XI.    ENTIRE AGREEMENT
                             -----------------------

This Agreement constitutes the final understanding and agreement between the
parties. This Agreement cannot be amended or changed except by a writing signed
by both of the parties.

                                 XII.    NOTICES
                                         -------

Any notice required to be given or otherwise given pursuant to this Agreement
shall be in writing and shall be hand delivered, mailed by certified mail,
return receipt requested:

   If to Contractor:                              if to Company:
          Bernard F. McHale                            Smart Chip Technologies
          7757 Foredawn Drive                          7190 South State St, #216
          Las Vegas, NV. 89123                         Midvale, Utah 84047.

IN WITNESS WHEREOF, this Agreement has been executed by the parties as of the
date first above written.

Bernard F. McHale, Contractor /s/ Bernard F. McHale
                              --------------------------------------------------

David Simon, Chairman Smart Chip Technologies /s/  David Simon
                                              ----------------------------------Exhibit 10.05

            ADDENDUM 3 TO THE BEAVON EMPLOYMENT AGREEMENT OF 8-01-02

     The following are amendments to the Elaine Beavon Employment Agreement with
SCHIMATIC Cash Transactions Network.com, Inc. dba Smart Chip Technologies
("Company," "SCTN" or "Employer") effective 8-01-02 as amended by Addendums on
7-28-03 and 5-05-2004:

For the purpose of cleaning up the "stock overhang" of the Company, as dictated
by the Board of Directors, the Company and Beavon agree to the following
regarding Stock, Stock Options and Bonuses. The stock to be issued under the
terms of this agreement will settle all prior agreements related to stock, stock
options, and agreements to convert debts to stock. All stock will be issued
effective the date of this agreement, but physical certificates representing
that stock will not be printed and delivered to Beavon until the shareholders
meet and approve an increase to the limit of shares authorized.

     1.   Under previous agreements Elaine Beavon has the rights to the
          following:

               a.   Stock options to purchase 4,000,000 shares at $.05 per
                    share, and the company has agreed to expense the exercise
                    price, and all applicable taxes and withholding thereon;

               b.   Stock options to purchase 39,063 shares at $.128 per share;
                    c. 60,000 shares exercised by non-recourse note in the
                    amount of $7,680;

               d.   Accrued salary from August 1, 2002 through June 30, 2004,
                    that can be converted to 3,220,000 shares;

               e.   Deferred compensation agreement dated July 31, 2002 in the
                    amount of $130,375, which is convertible to stock at 70% of
                    market price;

     2.   Under this agreement Elaine Beavon agrees to the following:

               a.   All references to converting unpaid salary to stock or stock
                    options are void.

               b.   All references to converting unpaid business expenses to
                    stock or stock options are void.

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ADDENDUM 3 TO THE BEAVON EMPLOYMENT AGREEMENT OF 8-01-02                  Page 2
--------------------------------------------------------------------------------

               c.   The Addendums to the Beavon Employment Agreement of 8-01-02
                    are hereby affirmed by this agreement, with the exception of
                    Beavon's ability to convert money due to stock or options.

               d.   Beavon gives up her right to have the company expense the
                    exercise price of 4,000,000 shares at $.05 per share,
                    including all applicable taxes and withholding thereon.

               e.   Beavon and the Company agree to convert Beavon's accrued
                    salary from August 1, 2002 through June 30, 2004 to
                    3,220,000 shares, per the terms of the employment agreement.

               f.   Beavon agrees to convert her Deferred Compensation Agreement
                    dated July 31, 2002 in the amount of $130,375, to stock at
                    70% of the closing market price as of the date of this
                    agreement.

               g.   Beavon agrees that she will not ask for any additional
                    shares or options as compensation for employment through the
                    end of her employment agreement.

               h.   Beavon agrees that if the Company does not have sufficient
                    working capital to pay salaries in full, the Board will
                    determine when payments are made.

     3.   Under this agreement Elaine Beavon is being granted the following:

               a.   A performance bonus of 1,500,000 shares;

               b.   A settlement for forgoing all rights that would accrue in
                    the future, as agreed above, of 1,500,000 shares.

               c.   Rights to stock options to purchase 4,000,000 at $.05 per
                    share are being affirmed and a bonus is hereby granted to be
                    used to exercise those options equivalent to the funds
                    needed to exercise the 4,000,000 options to purchase shares
                    as of this date.

               d.   Rights to stock options to purchase 39,063 at $.128 per
                    share are being affirmed and a bonus is hereby granted to be
                    used to exercise those options equivalent to the funds
                    needed to exercise the 39,063 options to purchase shares as
                    of this date.

<PAGE>

ADDENDUM 3 TO THE BEAVON EMPLOYMENT AGREEMENT OF 8-01-02                  Page 3
--------------------------------------------------------------------------------

               e.   A bonus in the amount of $7,680 to pay off the non-recourse
                    note used to purchase 60,000 option shares.

Subject to review by Kruse Landa, the method of recording these transactions may
be modified in conformance with the best interest of the Company, including tax
liability.

I HAVE READ THIS AGREEMENT IN ITS ENTIRETY, I UNDERSTAND ITS TERMS, AND AGREE TO
BE BOUND BY ALL OF ITS TERMS. I ALSO UNDERSTAND I HAVE THE RIGHT TO HAVE THIS
AGREEMENT REVIEWED BY INDEPENDENT COUNSEL.

IN WITNESS WHEREOF, the parties hereto have executed this Agreement on July 7,
2004.

      Employer:                                             Employee:
SCTN                                                 Elaine Beavon
330 E. Warm Springs Rd.                              2859 E. Wasatch Blvd.
Las Vegas, NV 89119                                  Sandy, UT 84092

         By: /s/ Bernard McHale                      By: /s/ Elaine Beavon
             -------------------------                  -----------------------
         Bernard McHale, Director                            Elaine Beavon

         By:__________________________
            Joseph E. Diamond, Vice President and Director

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