Document:

Exhibit 10.43

                              EMPLOYMENT AGREEMENT

I.       This agreement is executed this 20th day of December, 2002 and made
         effective as of August 1, 2002 ("Effective Date"), between Schimatic
         Cash Transactions Network.com, Inc., a Florida corporation ("Employer"
         or "Company"), and David J. Simon ("Simon" or "Employee") and
         (collectively the "Parties").

II.      RECITALS

         A.       Employer is a Florida corporation, the principal business of
                  which is computer software solutions with particular expertise
                  in Smart Card Loyalty programs.

         B.       Employer's current headquarters office ("Corporate Office")
                  has been relocated to 330 E. Warm Springs Rd., Suite A15, Las
                  Vegas, NV 89119, and its back office operations ("Operations
                  Center") are currently located at 740 East 3900 South in Salt
                  Lake City, Utah.

         C.       Company recognizes that Simon has played a key role, and will
                  continue to play a key role, in the establishment of a Product
                  technology base upon which the Company has been, and will be,
                  able to move forward in an evolving industry, and that,
                  without the continued contribution of Simon, the Company's
                  chances of success would be diminished.

         D.       Company desires to ensure the continued involvement of Simon,
                  and is therefore entering this Employment Agreement for Simon
                  to serve as Chief Product Architect reporting to the Board of
                  Directors.

         The Parties wish to enter into a written agreement to memorialize the
         terms of Employee's employment by the Employer.

III. AGREEMENT.

         In consideration of the employment of Simon by the Employer and other
         good and valuable consideration, the parties hereto agree as follows:

         A.       Employment. The Employer agrees to employ Simon as Chief
                  Product Architect on the terms set forth herein. Simon accepts
                  such employment and agrees to work full time and use his best
                  efforts in performing services for the Employer.

         B.       Inventions. Employee shall promptly disclose to the company
                  any and all inventions, discoveries, developments,
                  improvements, machines, appliances, processes, software,
                  firmware, products, or the like whether patentable or not,
                  which are related to the Company's business (all of which are
                  referred to herein as "inventions") which Employee may invent,
                  conceive, produce, or reduce to practice, either solely or
                  jointly with others, at any time (whether or not during
                  working hours) during the period of employment. All such
                  inventions which in any way relate to the goods, materials, or
                  services developed, produced, used or sold by the Company or
                  any of it's subsidiaries shall at all times and for all
                  purposes be regarded as acquired and held by Employee in a
                  fiduciary capacity for, and solely for the benefit of the
                  Company. No termination of employment or of this agreement
                  shall release Employee or the Employee's heirs or legal
                  representatives from the foregoing obligations as to such
                  inventions.

DJS /s/ DJS                      Page 1 of 8                         SCTN /s/ BM
<PAGE>

                       Simon Employment Agreement (Cont.)

         C.       Terms & Salary. Employee's current salary will be twelve
                  thousand five hundred dollars ($12,500) per month, subject to
                  partial deferment as described below. Employee will be given
                  regular reviews and, subject to employee's continued
                  performance of duties, employee will be given raises, bonuses,
                  and additional compensation, in addition to any other
                  compensation already due, at least equal to those of other
                  executives of the company already employed or new executives
                  after being employed if indeed warranted based on employee's
                  performance. Employee does understand that any bonuses,
                  options, stocks and other compensation, etc., etc., given to
                  new executives as an incentive or enticement to join and
                  remain with the company will not apply to the above paragraph.
                  Except as provided herein, the term of this Agreement shall be
                  for a period of one (1) year commencing on the Effective Date,
                  and will automatically renew for one (1) year upon
                  notification in writing by the employer within sixty (60) days
                  prior to the employee contract expiration date. Employer
                  recognizes that Simon, as Chief Product Architect, has been,
                  and will continue to be, instrumental in establishing vision
                  and direction for the Company in an evolving industry, and is
                  therefore entitled to compensation above that which may be
                  common in the marketplace.

         D.       Partial Salary Deferment. Until such time as the Company has
                  received sufficient funding, or begins to receive revenues,
                  adequate to support its on-going operation, Employee agrees to
                  accept his salary as follows: sixty percent (60%) payable in
                  cash (less appropriate withholding) and forty percent (40%)
                  payable in stock options. The number of stock options will be
                  calculated at the pre-reverse 5 cents ($.05) per share,
                  divided into the amount due. The strike price of the stock
                  options will be the pre-reverse 5 cents ($.05) per share. At
                  the option of Employee, any portion or all of the forty
                  percent (40%) payable in stock options, or any portion of the
                  sixty percent (60%) payable in cash remaining unpaid after
                  thirty (30) days from when it became due, may be converted to
                  stock options as described above..

         E.       Place of Work. At the present time, the Company intends to
                  maintain its Product Development and back office operations in
                  its Operations Center at 740 East 3900 South in Salt Lake
                  City. Employee's principal place of business is the Operations
                  Center in Salt Lake City, UT and his home office. Should the
                  Company decide to relocate the Operations Center outside of
                  Salt Lake City, then his principal office shall be his home
                  office, for which Company agrees to provide all equipment and
                  supplies deemed necessary by the Employee for the fulfillment
                  of his duties. Notwithstanding the foregoing, Employee agrees
                  to travel, as he deems necessary, to the Company's Operations
                  Center and any other locations necessary for the fulfillment
                  of his duties. The expenses associated with such travel shall
                  be reimbursed by the Company. The Company agrees:

                  1.       To reimburse Employee for travel, lodging and
                           associated expenses during the term of this
                           Agreement;

DJS /s/ DJS                      Page 2 of 8                         SCTN /s/ BM
<PAGE>

                       Simon Employment Agreement (Cont.)

                  2.       In the event the company and employee elect to have
                           the Employee relocate to a new location upon
                           relocation of the Operations Center, Company agrees
                           to provide Employee a moving allowance not to exceed
                           $20,000; and
                  3.       To reimburse Employee for any real estate commissions
                           and fees incurred by Employee on the sale of his
                           principal personal residence or the purchase of a new
                           residence associated with the above described
                           relocation, whichever is greater, as well as any
                           income or other taxes associated with such
                           reimbursement. Such reimbursements as noted in this
                           paragraph will be made to the Employee at such time
                           as the Company is operating with a run rate that is
                           cash flow positive.
         F. Benefits.
                  1.       Fringe Benefits. Simon shall be entitled to and shall
                           receive all benefits of employment generally
                           available to other executives of the Employer,
                           including, without limitation, participation in the
                           following:
                           a.       Group Health, Dental and Life Insurance.
                                    Simon will be eligible to participate in
                                    such group health, dental and life insurance
                                    plans, which the Employer may keep in effect
                                    during the Term, subject to the terms of any
                                    such plans. At any time that the Employer
                                    does not have available Group Health and
                                    Dental Insurance plans, during the Term and
                                    for 12 months thereafter, Employer shall pay
                                    any premiums associated with the enrollment
                                    of the plan(s) of Employee's choice.
                           b.       Long Term Disability. Simon will be eligible
                                    to participate in such long term disability
                                    plans which the Employer may keep in effect
                                    during the Term, and for 12 months
                                    thereafter, subject to the terms of any such
                                    plan.
                           c.       Commuting and Relocation Expenses. Employer
                                    shall reimburse Simon for all reasonable
                                    business expenses including: travel and
                                    lodging for commuting to the Company's
                                    Corporate Office in Nevada and Operations
                                    Center located at 740 East 3900 South in
                                    Salt Lake City, or anywhere to which either
                                    may be relocated. The Company also agrees to
                                    pay the moving allowance to the Corporate
                                    Office or new Operations Center Location (s)
                                    as described in Section (E) above.

DJS /s/ DJS                      Page 3 of 8                         SCTN /s/ BM
<PAGE>

                       Simon Employment Agreement (Cont.)

                           d.       Business Expenses. The Employer shall pay
                                    the actual and normal expenses incurred by
                                    Simon for the benefit of the Employer in
                                    performing his duties as Chief Product
                                    Architect of the Employer in accordance with
                                    the Employer's expense reimbursement policy,
                                    as adopted from time to time. At the option
                                    of Employee, any portion of any expenses due
                                    to Employee remaining unpaid after one
                                    hundred eighty (180) days from when it was
                                    incurred, may be converted to stock options
                                    as described below, credited, or converted
                                    to any deferred compensation package or
                                    investment offering that the company may be
                                    offering at that time. If converted to stock
                                    options, the number of stock options will be
                                    calculated at the pre-reverse 5 cents ($.05)
                                    per share, divided into the amount due. The
                                    strike price of the stock options will be at
                                    the pre-reverse 5 cents ($.05) per share.
                           e.       Vacation. Simon shall be entitled to
                                    vacation benefits in accordance with the
                                    employer's vacation policy, as currently
                                    stated or as increased in the future, at the
                                    maximum level of accrued and unused vacation
                                    benefits which Employer's executives or
                                    employees are permitted to accrue in
                                    accordance with the Employer's personnel
                                    policies.
                           f.       Sick Leave/Personal Leave. Simon shall be
                                    entitled to sick leave and personal leave
                                    benefits in accordance with the Employer's
                                    personnel policies, as adopted from time to
                                    time.
                           g.       Accrual Year. Any of the benefits provided
                                    under this Agreement or under Employer's
                                    personnel policies generally which are
                                    accrued on a "per year" basis, are deemed to
                                    accrue during each of Employer's fiscal
                                    years in accordance with Employer's
                                    personnel policies applicable to its
                                    employees generally. Any benefits accruing
                                    from the Effective Date of hire through the
                                    end of the current fiscal year will be
                                    prorated for such year.
                  2.       Indemnity. Employer shall indemnify Simon to the
                           maximum extent permissible under law as an agent,
                           Director, and Officer for acts taken by him during
                           the Term on behalf of Employer provided such acts are
                           taken in good faith and in what is in the best
                           interest of Employer.
                  3.       Directors' and Officers' Insurance. Employer agrees
                           to obtain and maintain a policy of directors and
                           officers insurance covering Employee's acts as a
                           Director or Officer, as the case may be and as may be
                           limited by the terms of any such insurance policy, in
                           a face amount of no less than ONE MILLION DOLLARS
                           ($1,000,000.00).
                  4.       Stock, Stock Options and Bonuses. Employer agrees to
                           cause to be issued to Simon, at the same rate,
                           quantity, and terms, any stock, stock options or
                           bonuses issued other executives of the company
                           already employed or new executives after being
                           employed if indeed warranted based on employee's
                           performance , in addition to any stock, stock options
                           or bonuses to which employee may already be entitled.

DJS /s/ DJS                      Page 4 of 8                         SCTN /s/ BM
<PAGE>

                       Simon Employment Agreement (Cont.)

                           Employee does understand that any bonuses, stocks,
                           options and other compensation, etc., etc., given to
                           new executives as an incentive or enticement to join
                           and remain with the company will not apply to the
                           above paragraph. Further, as a condition to the
                           issuance of any such shares, bonuses or options,
                           Simon agrees to execute and deliver to Employer all
                           such forms as it may reasonably request in order to
                           comply with applicable securities laws. Upon the
                           signing ,by Simon and the Company Representative and
                           approval of the sctn board of directors, of this one
                           (1) year employment contract with a one year renewal
                           company (employer) option to extend his employment;
                           and on the effective date of the contract as listed
                           above, Simon will immediately be issued stock options
                           for twelve (12) million shares of the company's stock
                           at the pre-reverse split price of five (.05) cents
                           per share as a signing bonus to remain with the
                           company providing his expertise, knowledge and
                           experience in his capacity as Chief Product Architect
                           to allow the company to become a successful entity.
                           The company will also allow Employee the opportunity
                           to exercise these options immediately by execution of
                           a Nonrecourse Note, payable to the Company. The note
                           payable is due no later than December 31, 2009,
                           however, Employee is under no obligation to repay the
                           Note other than from proceeds from the sale of the
                           common stock purchased through the exercise. In other
                           words, the Note has no recourse to Employee's
                           separate funds, assets, or money due to Employee from
                           the Company, other than the common stock purchased
                           with the note. The attached Note, certificate through
                           which employee may exercise the stock options, and
                           Stock Power of Attorney to deal with managing the
                           stock during the period of the loan, will all be
                           executed simultaneously with this Employment
                           Agreement.
                  5.       Registration of Securities. The Company agrees to
                           forthwith register the securities underlying the
                           Stock Options described in Section 4 above and any
                           stock appreciation rights or plan interests (the
                           "SAR"s), which may be deemed by the Securities and
                           Exchange Commission (the "SEC") to require
                           registration, in order for employee to be able to
                           freely assign or trade the SAR's or the underlying
                           securities.
                  6.       Termination.
                           a.       Termination as a result of a change of
                                    control or for good cause. This Agreement is
                                    terminable prior to the expiration of the
                                    Term, in the manner and to the extent set
                                    forth in this section 6.

DJS /s/ DJS                      Page 5 of 8                         SCTN /s/ BM
<PAGE>

                       Simon Employment Agreement (Cont.)

                           b.       Death, Disability or Resignation During
                                    Term. This Agreement shall automatically
                                    terminate upon the death of Simon or
                                    Employee's voluntary resignation during the
                                    Term. The Employer or Simon may terminate
                                    this Agreement upon reasonable determination
                                    of Employee's total disability. As used
                                    herein, total disability means Employee's
                                    inability to perform his normal and usual
                                    duties as Chief Product Architect of the
                                    Employer due to physical disability or
                                    physical or mental illness for a period of
                                    ninety (90) consecutive calendar days.
                           c.       Termination for Cause. The Employer may
                                    terminate this Agreement immediately, and
                                    except as otherwise set forth below, without
                                    prior notice, for "Cause" which shall mean:
                                    i.       Employee's excessive use of alcohol
                                             or illegal drug abuse;
                                    ii.      Any material dishonest act by Simon
                                             relating to the Employer's
                                             business;
                                    iii.     Any intentional act by Simon that
                                             would be materially detrimental to
                                             the business or reputation of the
                                             Employer;
                                    iv.      Employee's rendering any services
                                             to a firm or entity which does
                                             business in a field competitive
                                             with the business of Employer
                                             except as may be expressly
                                             authorized in writing pursuant by
                                             the Board, or
                                    v.       Employee's substantial failure to
                                             perform the material services
                                             contemplated by this Agreement, it
                                             being understood and agreed that
                                             the Employer must give Simon notice
                                             of such failure by the Employer and
                                             not less than sixty (60) days with
                                             in which to cure such failure
                                             before invoking the provisions of
                                             this subparagraph v. in terminating
                                             Employee.
                           d.       Without Cause or from Change of Control. The
                                    Employer may terminate this Agreement during
                                    the Term without Cause upon giving sixty
                                    (60) days prior written notice of such
                                    termination. Such notice is deemed to be
                                    given in the event of change of control as
                                    described in section 11 below.
         7.       Severance Pay. If Employee's employment terminates due to his
                  death, disability or by Employer notice without cause as
                  described in Section 6 above at any time prior to the Term,
                  Employer will pay to Simon or his legal designee(s), an amount
                  equal to his annual Base Salary ("Severance Pay") and will
                  immediately pay all outstanding expenses and loans due to
                  Simon from the Company if there are sufficient funds to pay
                  these items; otherwise, these expenses and loans will be paid
                  out over a twelve (12) month period and will earn a fifteen
                  (15%) rate of interest until fully paid. Any vesting rights in
                  any Stock Option Plan agreed to pursuant to Section 4 hereof
                  shall continue to accrue for a 36 month period following such
                  termination.

DJS /s/ DJS                      Page 6 of 8                         SCTN /s/ BM
<PAGE>

                       Simon Employment Agreement (Cont.)

         8.       No Severance Pay upon Resignation. It is expressly understood
                  and agreed that Simon (or his personal representative, as the
                  case may be) shall not be entitled to any Severance Pay if he
                  resigns during the Term, but will immediately be paid all
                  outstanding expenses and loans due from the Company if
                  sufficient funds are available to pay these items; otherwise,
                  these outstanding expenses and loans will be paid out over a
                  twelve (12) month period and will earn a fifteen (15%) percent
                  rate of interest until fully paid. At the option of Employee,
                  all or any portion of these expense or loans may be converted
                  to stock options as described below. If converted to stock
                  options, the number of stock options will be calculated at the
                  at the pre-reverse 5 cents ($.05) per share, divided into the
                  amount due. The strike price of the stock options will be at
                  the pre-reverse 5 cents ($.05) per share.
         9.       Manner of Payment of Severance Pay. Any Severance Pay
                  hereunder will be paid at such intervals and in the manner
                  dictated by the Employer's normal pay practices but not to
                  exceed 90 days after severance.
         10.      Notice of Termination. The Employer shall give Simon notice of
                  the termination of this Agreement pursuant to sub-section b-d
                  of this Section 6 and, except as otherwise provided herein,
                  the termination of this Agreement shall be effective upon the
                  giving of such notice. Company will immediately pay all
                  outstanding expenses and loans due to Simon from the Company.
         11.      Change of Control. As used in this section, the term "change
                  of control" means and refers to:
                  a.       Any merger, consolidation, or sale of the Company
                           such that any individual, entity or group (within the
                           meaning of section 13 (d) (3) or 14 (d) (2) of the
                           Securities Exchange Act of 1934, as amended (the
                           "Exchange Act") acquires beneficial ownership, within
                           the meaning of Rule 13d-3 of the Exchange Act, of 20
                           percent or more of the voting common stock of the
                           Company or its subsidiary
                  b.       Any transaction in which the Company sells all or
                           substantially all of its assets; A dissolution of
                           liquidation of the Company; or
                  d.       The Company becomes a non-publicly held company.
                  e.       A "change of control" as used in this section does
                           not include a direct capital investment in the
                           company.
                  At the option of Employee, this agreement will continue in
                  full effect with, and be binding upon, any successor
                  organization following a Change of Control.

IV.      Integration. This Agreement contains the entire agreement between the
         parties and supersedes all prior oral and written agreements,
         understandings, commitments and practices between the parties,
         including, without limitation, all prior employment agreements, whether
         or not fully performed before the date of this Agreement. No amendments
         to this Agreement may be made except by a writing signed by both
         parties.

V.       Arbitration. Any controversy or claim arising out of or relating to
         this agreement, or breach of this agreement, shall be settled by
         binding arbitration in accordance with the Commercial Arbitration Rules
         of the American Arbitration Association and judgment on the award
         rendered by the arbitrators may be entered in any court having
         jurisdiction. Within five (5) business days after a demand has been
         made to arbitrate a dispute, the parties will meet and attempt to agree
         on a single arbitrator. If the parties are unable to agree on a single

DJS /s/ DJS                      Page 7 of 8                         SCTN /s/ BM
<PAGE>

                       Simon Employment Agreement (Cont.)

         arbitrator, then each party shall, before the expiration of such five
         (5) day period, designate an arbitrator. Within (30) additional
         business days thereafter the two arbitrators shall select a third
         arbitrator. If for any reason they cannot agree on a third arbitrator,
         they may apply to the Utah Superior Court for the name of a neutral
         party. The three arbitrators shall hear all the evidence, and a
         majority vote shall set the award of the arbitrators. Each party shall
         pay the fees of the arbitrator he or it selects and of his or its own
         attorneys, and the expenses of his or its witnesses and all other
         expenses connected with presenting his or its case. Other costs of the
         arbitration, including the cost of any record or transcripts of the
         arbitration, administrative fees, the fee of the third arbitrator, and
         all other fees and costs, shall be borne equally by the parties.
         Notwithstanding the foregoing, the arbitrators may award reasonable
         attorneys' fees and costs to the prevailing party in their award.

VI.      Litigation. In the event legal action or arbitration is brought to
         enforce any of the provisions of this Agreement or for any breach
         thereof, reasonable attorneys' fees and costs shall be awarded to the
         prevailing party or parties in said action. All legal action is to take
         place in Salt Lake City, Utah or such other city where the Employee
         maintains residence.

VII.     Notices. Any notice given pursuant to this Agreement must be sent by
         United States Certified Mail (postage prepaid) and shall be deemed
         given on dates on which the envelope or envelopes containing such
         notices are deposited in the United States Mail. The Addresses of the
         parties to be used for the giving of notices shall be as set forth on
         the signature page of the Agreement. The parties hereto may change the
         addresses to which notices to them may be sent by giving written notice
         thereof in accordance with this paragraph.

VIII.    Severability of Provision. If any provision of this Agreement is
         invalid or illegal, the other provision shall nevertheless remain in
         full force and affect.

IX.      Controlling Law. This Agreement is entered into in the State of Utah
         and shall be interpreted and controlled by the laws of the State of
         Utah or such other state where Employee maintains residence, at the
         option of Employee.

X Successors. The Agreement shall be binding on and shall inure to the benefit
of the parties to it and their respective successors and assigns. This
employment contract supercedes any other out-standing Sctn Employment Contract
between the two parties that may have been signed prior to this date for this
same time period.

            IN WITNESS WHEREOF, the parties hereto have executed this Agreement
on December, 20th, 2002.

Employer: SCTN                                  Employee: David J. Simon
330 E. Warm Springs Rd., Suite A15,             2859 E. Wasatch Blvd.
Las Vegas, NV 89119,                            Sandy, UT 84092

By: /s/  Bernard McHale                         By: /s/ David J. Simon
   --------------------------------                -----------------------------
   Bernard McHale                                   David J. Simon
   Director, Treasurer and CEO

DJS /s/ DJS                      Page 8 of 8                         SCTN /s/ BMExhibit 10.44

                                  AGREEMENT FOR
                         INDEPENDENT CONTRACTOR SERVICES

DATE:    August l, 2002

                                   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 August 1, 2002..

                          II. ENGAGEMENT OF CONTRACTOR

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

         Chief Executive Officer and/or Chief Financial Officer. Mr. Bernard F.
McHale will serve in the capacity of fund raiser and executive manager of SCTN.
He will establish financial controls, install business planning, and build
business operations. Finance, Human Resources, Operations, Information Systems,
New Product Development, Marketing & Sales, Public Relations, Research &
Development, and Production all fall under the Chief Executive Officer and/or
Chief Financial Officer's span of responsibility and operational control. Mr.
Bernard F. McHale reports to the SCTN Board of Directors .

                             III. TERM OF ENGAGEMENT

This Agreement shall be for one (1) year term commencing on August 1, 2002 and
ending July 31, 2003, and will be extended on a month to month basis, if needed
unless terminated sooner by mutual agreement.

                             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
subject to Contractor's discretion. Company relies upon Contractor's discretion
to determine a sufficient time as is reasonably necessary to fulfill this
Agreement.

                                                                              DS
<PAGE>

Bernard McHale Contractor Agreement (Cont.)                               Page 2

                                 V. COMPENSATION

Company shall pay Contractor ten thousand dollars ($10,000) per month, ($6,000)
per month in cash and, at his option, the balance of his monthly salary may be
paid in the pre-reverse sctn restricted stock share options priced at five (.05)
cents per share. The eight-thousand ($6,000) per month cash salary shall be paid
as the Company's cash flow permits. At the option of Contractor, any portion of
the payment remaining unpaid after thirty (30) days from when it became due, may
be converted to stock options as follows; the number of stock options will be at
the strike price of the pre-reverse 5 cents ($.05) per share, divided into the
amount due.

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.

                                                                              DS
<PAGE>

Bernard McHale Contractor Agreement (Cont.)                               Page 3

                            VIII. CONTRACTOR'S TOOLS

Unless otherwise agreed by Company in advance, Company 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                          740E. 3900 South
Las Vegas, NV. 89123                         Salt Lake City, Utah 8410

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

                                                                              DS

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