Document:

Exhibit 10.26

                             AGREEMENT FOR SERVICES

DATE:    June 26, 2001

                                   I. PARTIES

Smart Chip Technologies, LLC, a Nevada limited liability company, hereinafter
"Company,"

                                       and

HiTech Consulting Group, hereinafter "HiTech," hereby enter into this Agreement
for HiTech Services, hereinafter "Agreement," effective the above date.

                            II. ENGAGEMENT OF HITECH

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

         Business Development primarily focused on maximizing the value of
Company's intellectual property, as more particularly set forth in the
confidential scope of work memorandum of even date signed by both parties. Such
scope of work memorandum may be reviewed and revised from time-to-time during
the term of this agreement at the mutual agreement of the parties.

                             III. TERM OF ENGAGEMENT

This Agreement shall be an exclusive agreement for a term of one (1) year
commencing June 26, 2001. Subsequent to this initial one (1) year term, this
Agreement will automatically renew for another year from the anniversary date,
unless within 90 days prior to the end of the initial one year term either party
notifies the other of termination, in which case this Agreement shall terminate
at the end of the initial one (1) year term.

                             IV. WORKPLACE AND HOURS

HiTech shall render services primarily at HiTech's offices or any other place of
HiTech's choosing. However, upon request, HiTech shall provide the services at
such other place or places as reasonably requested by Company as appropriate for
the performance of particular services.

HiTech's schedule and hours worked under this Agreement shall generally be
subject to HiTech's discretion. Company relies upon HiTech's discretion to
determine a sufficient time as is reasonably necessary to fulfill this
Agreement.

                                 V. COMPENSATION

Company shall pay HiTech per the following schedule:

    (a)  Monthly Fee: Monthly cash payment of $6,000 beginning July 1, 2001,
         payable at the first of each month, in advance.

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    (b)  Performance Compensation:

         (i)      10 % of revenue generated as a direct result of HiTech's
                  efforts for a period of 24 months from the time that revenue
                  begins to be realized. The Company will pay Performance
                  Compensation earned on the 15th of each month.
         (ii)     At any time after the tenth day of any month, HiTech may elect
                  to take restricted common stock of Schimatic Cash Transactions
                  Network.com, Inc. in lieu of Performance Compensation at a
                  price equal to 50% of the closing price on the last trading
                  day preceding the day of the election.
         (iii)    5% of any judgments or settlements whether payable in cash or
                  in kind (i.e., royalties, equity interests, etc.,), arising
                  from litigation resulting from the efforts of HiTech, payable
                  if, as and when such judgments are actually collected.

Termination of this agreement by either party, whether or not upon the default
of the other, will not relieve Company from any liability for payment in full of
all Performance Compensation due HiTech for revenue generated as a direct result
of HiTech's efforts. If any transactions or lawsuits are pending as a result of
the direct efforts of HiTech at the time this Agreement terminates, Company will
remain obligated to pay compensation in accordance with the foregoing.
Company shall bear all of HiTech's pre-approved expenses incurred in the
performance of this Agreement. Such expenses will be reimbursed monthly.
Expenses for phone, fax, and mail will be $150 per month. Local business travel
will be reimbursed at $150 per month. Phone, fax, mail, and local business
travel expenses are reimbursable on a monthly basis in the amounts set forth
herein and are not subject to pre-approval.

                               VI. NONCOMPETITION

During the term of this Agreement and for a period of 24 months after
termination of this agreement at the expiration of its term or by either party,
whether or not upon the default of the other, after expiration or termination of
this Agreement, whether upon default by either party, HiTech shall not, directly
or indirectly, own, manage, operate, control, be employed by, or consult with
any business the same as or reasonably similar to the "Smart Loyalty" business
conducted by Company. In the event any of the provisions of this Paragraph are
determined to be invalid by reason of their scope or duration, this Paragraph
shall be deemed modified to the extent required to cure the invalidity.

                              VII. 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, HiTech 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 HiTech shall restrict disclosure of such Confidential
Information to its employees, officers, directors and advisors only with a need
to know . HiTech shall not, without the prior written consent of Company,
disclose to any third party 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. Upon termination of this Agreement for
any reason, HiTech will surrender to Company all copies of all Confidential
Information or certify that all such information not so surrendered has been
destroyed.

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<PAGE>

                               VIII. HITECH STATUS

It is expressly understood and agreed that HiTech is and throughout the term of
this Agreement shall not be an employee, partner, or agent of Company. HiTech
shall not be entitled to nor receive any benefit normally provided to Company's
employees. HiTech agrees that Company shall have ownership, title, and Company
reserves all rights, including copyrights, of all works created by HiTech under
this Agreement, including but not limited to source code. HiTech 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 HiTech. HiTech 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 HiTech pursuant to this
Agreement. HiTech is solely responsible for the means, manner, and method of
HiTech's work, subject only to the general objectives and requirements, and
specific direction, of SCTN's technical specifications. Unless otherwise agreed
by Company in advance, HiTech 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 HiTech's services
hereunder.

                         IX. HITECH'S LIMITED AUTHORITY

HiTech shall not have the authority to make any decisions on behalf of Company
respecting any matter as to which HiTech renders services hereunder or to enter
into agreements or contracts on behalf of Company or otherwise bind Company.
HiTech shall not have the authority to engage legal counsel on behalf of
Company, to assert causes of action or claims for relief on behalf of Company,
or to initiate litigation on behalf of Company or in its name, place or stead.

                          X. COMPANY'S RESPONSIBILITIES
                            REGARDING REPRESENTATIONS

The Company represents and warrants to HiTech that, to the best of its
knowledge, any and all information provided to HiTech in connection with any
transaction initiated pursuant to this Agreement, including all information
given to HiTech to distribute to third parties, will not contain any untrue
statement of a material fact or omit to state a material fact necessary to make
the statements therein not misleading. Company shall be directly liable for any
untrue representations made by HiTech to any third party in connection with a
transaction under this Agreement if such representation is based on information
provided to HiTech by Company.

                               XI. INDEMNIFICATION

In consideration of the compensation paid by Company and the services provided
by HiTech under this Agreement, the Company and HiTech shall:

     (a) Indemnify and hold harmless the other and each of either's directors,
         officers, employees, consultants or agents (Indemnified Persons) form
         and against any losses, claims, damages or liabilities to which such
         Indemnified Persons may become subject arising out of or in connection
         with the rendering of services by HiTech hereunder, except to the
         extent that such losses, claims, damages or liabilities are determined
         in judicial, proceedings to have primarily resulted from the gross
         negligence or willful misconduct of such Indemnified Person; and
     (b) Reimburse such Indemnified Person for reasonable legal fees and other
         expenses as they are incurred that arise in connection with
         investigating, preparing to defend or defending any lawsuit, claim, or

                                       3
<PAGE>

         proceeding and any appeals therefrom arising in any manner out of or in
         connection with the rendering of services by HiTech, provided however,
         that in the event a final judicial determination is made to the effect
         specified in subsection a above, such Indemnified Person will promptly
         remit to the Company any amounts reimbursed under this section.

Company and HiTech agree that (i) the indemnification and reimbursement set
forth above shall apply whether or not such Indemnified Person is a named party
to any lawsuit, claim or other proceeding; and (ii) promptly after receipt by
HiTech of notice of its involvement in any action, proceeding or investigation,
shall notify Company in writing of such involvement. This indemnification shall
survive any termination of this Agreement.

                                XII. AUDIT RIGHTS

HiTech and/or its designated representatives shall have full access during
normal business hours to inspect all of the books, accounts, records, contracts
and documents of Company, relating to any transaction arising from the terms of
this Agreement.

                            XIII. SERVICES BY HITECH

Company is engaging the services of HiTech on the understanding that E. Al Rose
("Rose"), its chief executive officer, will be responsible for providing the
services on behalf of HiTech hereunder. This Agreement shall terminate, (a) in
the event of Rose's death, on the last day of the month in which such death
occurs, or (b) in the event of Rose's disability, on the last day of the third
month following the commencement of such disability. "Disability" shall mean any
time that Rose is unable to continue to perform the duties required to be
performed by HiTech under this Agreement by reason of a medically determined
physical impairment for a period of three consecutive months or an aggregate of
six months during any consecutive twelve months. In determining whether Rose is
disabled, Company may rely upon the opinion of any doctor or practitioner of any
recognized field of medical or psychiatric practice selected jointly by Company
and HiTech and such other evidence as Company deems appropriate.

                          XIV. DEFAULT AND TERMINATION

Company may terminate this Agreement at any time after 30 days' written notice
to HiTech for any of the following reasons:

    (a)  HiTech or Rose substantially fails to perform or habitually neglects
         the duties defined in II by HiTech hereunder;

    (b)  any material dishonest act by HiTech or Rose relating to Company's
         business;

    (c)  any act by HiTech or Rose that would be materially detrimental to
         Company's business reputation; or

    (d)  HiTech or Rose rendering of any services to a firm or entity that does
         business in a field competitive with the business of Company, except as
         may be expressly authorized in writing by Company.

                                XV. ATTORNEY FEES

If any action, suit, arbitration or other proceeding is instituted arising out
of this Agreement, the prevailing party shall recover all of such party's costs,

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<PAGE>

including without limitation, court costs and attorney fees incurred therein,
including any and all appeals or petitions therefrom. As used herein "attorney
fees" shall mean the full and actual costs of any legal services actually
rendered in connection with the matters involved calculated on the basis of the
usual fee charged by the attorneys performing such services.

                              XVI. CONTROLLING LAW

This Agreement shall be governed by and construed in accordance with the laws of
the State of California.

                             XVII. 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.

                                 XVIII. 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 HiTech:
                 HiTech Consulting Group
                 E. Al Rose, CEO
                 100 Nighthawk
                 Irvine, CA 92604

         If to Company:
                 Smart Chip Technologies
                 Jim Williams, President & CEO
                 740 E. 3900 South
                 Salt Lake City, Utah 84107

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

HiTech Consulting Group

By       /s/ E. Al Rose
         --------------------------------------------
         E. Al Rose, CEO

Smart Chip Technologies, LLC

By       /s/ Jim Williams
         --------------------------------------------
         Jim Williams, President & CEO

                                       5Exhibit 10.27

SCTN/WELCOME REAL-TIME                             XL SMART ALLIANCE - DRAFT MOU

                             SCTN /WELCOME REAL-TIME
                                XL SMART ALLIANCE

                           MEMORANDUM OF UNDERSTANDING
                                 July 6th, 2001

This Memorandum of Understanding ("MOU") for an alliance to develop and market a
common interoperable smart card applet for loyalty solutions is effective July
6, 2001 (the "Effective Date") by and between each of:

o    Schimatic Cash Transactions Network.com, Inc., or, if assets relevant to
     this agreement are assigned thereto as described in this agreement, its
     successor in interest Smart Chip Technologies, LLC, a Nevada limited
     liability company, doing business as Smart Chip Technologies, ("SCTN") with
     its head office at 740 East 3900 South, Salt Lake City, UT, USA 84107.
o    Welcome Real-time, a French Societe Anonyme, registered with the Trade and
     Companies Register of Aix-en-Provence, having its registered offices
     located at Europarc de Pichaury, 550 Rue Pierre Berthier, 13855
     Aix-en-Provence Cedex 3, France.

Each of SCTN and Welcome Real-time are referred to herein individually as a
"Party" and collectively as the "Parties".

WHEREAS:

A.       Each of the Parties is in the business of supplying goods and/or
         services relating to a loyalty payment solution;

B.       Both Parties recognize the benefits of interoperability among competing
         systems;

C.       Welcome Real-time offers card issuers an interoperable applet for smart
         cards (known as "the XLSmart applet") and offers loyalty software
         providers the ability to render their systems compatible with the
         XLSmart applet (thus becoming "XLSmart Compatible Solutions
         Providers");

D.       XLSmart Compatible Solutions Providers are free to develop specific
         features covered by any of Welcome Real-time's patents, as long as such
         features only function with cards equipped with the XLSmart applet;

E.       SCTN has intellectual property including patents which are relevant to
         and which WRT desires to be integrated into the XLSmart product
         offerings.

F.       The Parties wish to collaborate toward creating interoperability
         between the Parties' systems;

G.       The Parties wish to collaborate on the joint development of a broad
         industry standard for loyalty applications driven by customer carried
         smart devices.

NOW THEREFORE, IN CONSIDERATION of the mutual benefits to be derived from this
MOU, the Parties agree as follows:

1        PURPOSE. The following are the intentions of the Parties:

1.1      It is the intent of the parties to develop a cooperative pricing scheme
         which WRT would offer its loyalty customers

1.2      The parties will seek to outline the principles upon which SCTN's
         intellectual property will be added to the XLSmart Applet to further
         the development and marketing of a broad industry standard for
         multi-application smart cards.

1.3      The Parties will co-operate in:

         a)       the promotion of the XLSmart Applet to card issuers and to
                  loyalty software providers;.

CONFIDENTIAL                           1                                07/07/01
<PAGE>

         b)       the continued development and support of the XLSmart Applet;

         c)       the initial rollout and related marketing activities

2.       THE XLSmart Applet

2.1      The XLSmart Applet shall be comprised of the following components from
         each respective Party as follows (each a "Component" and collectively,
         the "Components"):

2.1.1    SCTN will provide and represents that it is the absolute and sole
         proprietor of its proprietary smart card-based loyalty program based on
         US patent # 5,806,045 as well as extensions of said patents to various
         countries in the world.

2.1.2    Welcome Real-time will provide and represents that it is the absolute
         and sole proprietor of French Patents FR-9600678 (known as the
         "Real-time RFM" patent, covering the dynamic allocation and management
         of services relating to entries, visits or cumulative spending at
         designated merchants) and FR-9504162 (known as the "e-coupon" patent,
         which allows a smart card to receive and process coupons valid for
         discounts on specific items scanned at a point of sale device), as well
         as extensions of said patents to various countries worldwide;

2.1.3    Welcome Real-time will additionally provide the software applet itself,
         running on multiple card platforms.

3.       BRAND NAME AND INTELLECTUAL PROPERTY

3.1      Welcome Real-time's XLSmart system includes a card applet (known as the
         XLSmart applet) that is placed within a smart card, and an acceptance
         symbol (known as the XLSmart acceptance symbol) that may optionally be
         placed on the back of the card. In order to build brand name
         distinctiveness, the Parties agree to "XL Smart" as the brand name and
         corresponding mark for the XLSmart Applet (the "Brand Name"). The brand
         name is owned by Welcome Real-time. The use of this brand name by the
         Parties is TO BE DETERMINED.

3.2      SCTN's Brand Names. The parties agree that SCTN's brand names including
         but not limited to LoyaltyCentral, will remain the property of SCTN and
         that the use of such brand names by WRT is TO BE DETERMINED.

3.3      New Intellectual Property Created. The Parties acknowledge that in the
         process of developing the XLSmart Applet and integrating the
         Components, technologies may be created to which new intellectual
         property rights ("New IP Rights") will attach. The Parties agree that
         any such New IP Rights will be owned by the Party or Parties that
         created the technology.

4.       COMMERCIAL AGREEMENT

4.1      Within 90 days of the Effective Date of this Agreement, the Parties
         shall enter into a commercial agreement (the "Agreement") which shall
         include without limitation, standard terms for agreements of this
         nature and the following:

4.1.1    Subject to agreement on sublicensing terms, a grant by SCTN to Welcome
         Real-time, of a non-exclusive, limited, world-wide license to market,
         distribute and sub-license SCTN's Components for use solely with the
         XLSmart Applet under the Brand Name.

4.1.2    Terms and conditions for the use of the Components including without
         limitation, prohibiting the marketing of individual Components.

4.1.3    Provision for each Party to retain ownership of its respective
         Components that are proprietary to such Party and are in part or
         holistically required for the XLSmart Applet.

CONFIDENTIAL                           2                                07/07/01
<PAGE>

4.1.4    Terms and conditions for co-marketing of the XLSmart Applet including
         without limitation, guidelines for acquiring new business as well as
         apportioning of sales and profits.

5.       THE BUSINESS RELATIONSHIP

5.1      Notwithstanding the Agreement, any or all of the Parties may: (i) work
         together to promote the XLSmart Applet on an ad hoc basis and to
         jointly pursue marketing and business initiatives and activities in any
         specific global market segment, including without limitation, the
         financial services, retail, and others (the "Market Segments") and (ii)
         pursue other co-marketing, teaming, partnering and alliance agreements
         with each other.

5.2      Immediately after the Effective Date, the Parties shall commence work
         as may be required on (i) a business plan, (ii) a marketing plan, (iii)
         a project plan; and (iv) a detailed project schedule to determine the
         viability of a formal alliance and ensure XLSmart Applet market
         readiness as early as possible.

5.3      Each Party will provide at the engineering or technical level at no
         charge to the other Parties, technical support as reasonably requested
         to accomplish (i) the functional compatibility of all the XLSmart
         Applet Components and (ii) the continued development and upgrading of
         each Party's respective components in the XLSmart Applet for improved
         functionality and the best operational integration of the XLSmart
         Applet.

5.4      The Parties shall cooperate to produce marketing materials for the
         XLSmart Applet. Each Party shall have the right to reproduce or
         otherwise use the XLSmart Applet marketing materials of the other
         Party. Such materials may be used in an individual Party's marketing or
         in Alliance-wide marketing and selling activities agreed upon by the
         Parties.

5.5      5.6 The Parties agree to establish a steering committee, which will
         meet regularly as mutually agreed for the purpose of ensuring the
         success of the XLSmart Applet and its activities surrounding technical,
         marketing and sales activities including current and future preferred
         vendors and suppliers of the parties.

5.7      In order to put forth the best commercially viable effort to ensure
         optimal market driven pricing practices, the Parties shall meet on a
         quarterly basis as mutually agreed to review and discuss the XLSmart
         Applet pricing in relation to other competitive market solutions.

5.8      None of the Parties may use the name, logo or intellectual property of
         another Party or any affiliate of another Party, without the other
         Party's prior written approval.

5.9      This MOU does not create, and shall not be construed to create, any
         joint venture or partnership between the Parties. No officer, employee,
         agent, servant or independent contractor of any Party shall be at any
         time be deemed to be an employee, servant, agent or contractor of any
         other Party for any purpose. The Parties are each independent
         contractors, not employees, agents or representatives of each other. No
         Party has the right to bind any other Party to any agreement except as
         may be specifically provided herein.

5.10     The Parties agree that where consents are required, such consents shall
         not be either unreasonably delayed or unreasonably withheld.

5.11     Each Party shall be responsible for its own expenses in connection with
         this MOU.

5.12     Each Party agrees that the Parties will be under no obligation
         whatsoever to enter into further agreements with each other, as a
         result of this MOU.

6.       TERM AND TERMINATION

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<PAGE>

6.1      The Parties agree to use reasonable efforts to negotiate and conclude
         the Agreement as set out in section 4.1. The terms of the Agreement
         will supersede the terms of this MOU.

6.2      The term of this MOU is 90 days from the Effective Date, unless
         extended by agreement of the Parties.

         There will need TO BE DETERMINED payment terms for auditing,
         performance criteria, and termination for non-compliance.

7.       LIMITATION OF LIABILITY

7.1      EXCEPT FOR A BREACH OF ANY OBLIGATION UNDER ARTICLE 7
         (CONFIDENTIALITY); IN NO CIRCUMSTANCES SHALL ANY PARTY BE LIABLE TO
         ANOTHER PARTY OR PARTIES FOR LOSS OF PROFITS, LOSS OF BUSINESS REVENUE,
         FAILURE TO REALIZE EXPECTED SAVINGS, OTHER COMMERCIAL OR ECONOMIC LOSS
         OF ANY KIND WHATSOEVER, NOR SHALL ANY PARTY BE LIABLE TO ANOTHER PARTY
         OR PARTIES FOR ANY INDIRECT, SPECIAL, EXEMPLARY, PUNITIVE OR
         CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY RELATED TO THIS
         AGREEMENT INCLUDING IN CONNECTION WITH THE OBLIGATIONS THAT ARE THE
         SUBJECT MATTER OF A PROJECT PLAN, EVEN IF ADVISED OF THE POSSIBILITY OF
         SAME AND REGARDLESS OF THE CAUSE OF ACTION (INCLUDING BREACH OF
         CONTRACT, FUNDAMENTAL BREACH, AND NEGLIGENCE), AND

7.2      EXCEPT FOR PAYMENT OBLIGATIONS SPECIFICALLY PROVIDED FOR HEREUNDER, IN
         NO EVENT WILL THE CUMULATIVE LIABILITY OF ANY PARTY UNDER THIS
         AGREEMENT EXCEED US$10,000.

8.       CONFIDENTIALITY

8.1      In connection with this MOU it may be necessary for a Party to exchange
         confidential information ("Confidential Information") with another
         Party or the other Parties. All Confidential Information shall be
         exchanged under the terms of the separate Welcome Real-time
         confidentiality agreement.

8.2      Notwithstanding anything contained in this Article, a Party will not
         disclose the marketing plans, sales information, confidential product
         information, clients or customers of any other Party to third parties
         without first obtaining written permission from such other Party, and
         shall not make any such disclosure without entering into a suitable
         confidentiality agreement with such third party. However, each Party
         may discuss and share with customers and prospective customers publicly
         available product information and product literature including product
         briefs and product manuals belonging to another Party.

9.       Representations and Warranties

9.1      Each Party hereby represents and warrants to the other Parties as
         follows:

9.1.1    No Breach of other Agreements. The execution, delivery and performance
         of this MOU by such Party will not (i) result in the breach of, or
         constitute a default (or an event which, with or without notice or
         lapse of time or both, would constitute a default) under, any contract
         or other instrument or obligation to which such Party is now bound,
         (ii) result in the breach of any of the terms or conditions of, or
         constitute a default under, the charter, bylaws or other governing
         instruments of such Party, or (iii) violate any order, writ,
         injunction, decree, or any statute, rule or regulation applicable to
         such Party.

9.1.2    Exclusion of Other Warranties. EXCEPT AS EXPRESSLY PROVIDED FOR IN THIS
         AGREEMENT, ALL WARRANTIES EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED

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<PAGE>

         TO, ANY IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY OR FITNESS
         FOR A PARTICULAR PURPOSE; AND THOSE ARISING BY STATUTE OR OTHERWISE IN
         LAW OR FROM A COURSE OF DEALING OR USAGE OF TRADE ARE ALL EXPRESSLY
         DISCLAIMED.

10.      GENERAL

10.1     The Parties understand and agree that this MOU is not meant to address
         all issues, which may arise in connection with the development and
         marketing of the XLSmart Applet. The Parties hereby agree to work
         together in good faith to negotiate and conclude the Agreement as soon
         as possible.

10.2     Nothing in this MOU implies transfer of title, ownership, copyright or
         other intellectual property rights from any Party to any other Party or
         the Parties. This MOU is entered into between the parties in
         recognition of the unique contribution of each and cannot be assigned
         or sublicensed, directly or indirectly, by any party without the
         express written consent of the other.

10.3     Each Party agrees to comply fully with all applicable laws and
         government regulations applicable in any country or organization of
         nations within whose jurisdiction the Party operates or does business,
         including but not limited to, those applicable to the export and
         re-export of products.

10.4     This MOU may be executed in counterparts, each of which shall be deemed
         an original but all of which shall together constitute one and the same
         agreement.

IN WITNESS WHEREOF this MOU and its Schedule A have been executed by the Parties
hereto as if each had been signed separately. Accepted and Agreed to:

SMART CHIP TECHNOLOGIES

Signature: /s/ Jim Williams                          Date: July 6, 2001
           ---------------------------
           Jim Williams President/CEO

WELCOME REAL-TIME

Signature: /s/ Aneace Haddad                         Date: July 9th, 2001
           -----------------------------
           Aneace Haddad President/CEO

CONFIDENTIAL                           5                                07/07/01

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