Document:

Exhibit 10.01

                                  AGREEMENT FOR
                         INDEPENDENT CONTRACTOR SERVICES

DATE:    February 1, 2003

                                   I. PARTIES

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

                                           and

Hiram Willis, hereinafter called "Contractor,"

hereby enter into this Agreement for Independent Contractor Services,
hereinafter "Agreement," effective February 1, 2003..

                          II. ENGAGEMENT OF CONTRACTOR

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

         Chief Executive Officer. Mr. Hiram Willis will serve as the chief 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 CEO's span of responsibility and operational control. Mr. Hiram Willis
reports to the SCTN Board of Directors.

                             III. TERM OF ENGAGEMENT

This Agreement shall be for one (1) year commencing on February 1, 2003 and
ending January 31, 2004, unless terminated sooner by failure to perform as
stated in this contractual agreement or by mutual agreement or terminated with
no liability for any further compensation for incompetence or moral turpitude.
This Agreement will be renewable for 2 additional one (1) year terms if Hiram
Willis performs as stated in this Agreement or 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.

<PAGE>

Hiram Willis Contractor Agreement (Cont.)                                 Page 2

                                 V. COMPENSATION

Company shall pay Contractor twenty thousand dollars ($20,000) per month,
($8,000) per month in cash and the balance of his monthly salary in 240,000 of
the pre-reverse sctn restricted stock share options priced at five (.05) cents
per share. The eight thousand ($8,000) per month cash salary shall be paid as
the Company's cash flow permits. At the option of Contractor, any portion of the
payment remaining unpaid after thirty (30) days from when it became due, may be
converted to stock options as follows; the number of stock options will be at
the pre-reverse 5 cents ($.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. This will continue for twelve (12) months until the company is generating
revenue and is profitable at which time the sctn Board of Directors can
reposition Mr. Hiram Willis salary compensation with a proposal to the board. In
addition to Mr. Hiram Willis salary compensation, he will also receive as
additional long term compensation bonuses, if earned by performance, to bring
his total equity position to ten (10%) percent of the sctn company, based on the
current outstanding stock position (approx.166,000,000 stock shares) of the SCTN
company as of this date; and also based on the following performance criteria:

Total equity of three (3%) percent, or 4,980,000 for 2003 (bonus of 2,100,000
ending January 31, 2004); Based on building a path to liquidity and Corporate
Operations, that includes providing the leadership and responsibility for
results in Sales, Marketing, Business Development, Product Development and
Financial Operations resulting in doubling the P/S every four (4) months; total
of three (3%) for 2004 as noted above or 4,980,000 total for 2004 (bonus of
2,100,000 ending January 31, 2005); and total of four (4%) for 2005 as noted
above or 6,640,000 for 2005 (bonus of 3,760,000 ending January 31, 2006). The
overall long term compensation percentage of ownership of the sctn company by
Mr. Hiram Willis based on the above performance factors shall not exceed ten
(10%) based on the authorized outstanding stock position (approx., 166,000,000
stock shares) of the Company as of this date. This may be accelerated if the
Company is acquired and if the above yearly criteria have been met.

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.

<PAGE>

Hiram Willis Contractor Agreement (Cont.)                                 Page 3

                             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.

                            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.

<PAGE>

Hiram Willis Contractor Agreement (Cont.)                                 Page 4

                                  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:
Hiram Willis
2851 Holiday Court
Morgan Hill, Ca., 95037

         If to Company:
                  Smart Chip Technologies
                  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.

/s/ Hiram Willis
------------------------------
Hiram Willis, Contractor

/s/ David Simon
------------------------------
David Simon, Chairman
Smart Chip TechnologiesExhibit 10.02

       Neither this Note nor the securities issuable on conversion hereof
            have been registered under the Securities Act of 1933, as
                  amended (the "Securities Act"), or under any
             state securities laws. These securities are subject to
           restrictions on trans- ferability and resale and may not be
                      transferred, sold, offered for sale,
       pledged, or hypothecated in the absence of a registration statement
       in effect with respect to these securities under the Securities Act
        securities laws or an opinion of counsel reasonably satisfactory
              to or applicable state the Company that any proposed
                   compliance with the Securities Act and any
                    applicable transfer or resale is in state
                                securities laws.

$223,713.97                                                     February 1, 2003

                                 PROMISSORY NOTE

                            DO NOT DESTROY THIS NOTE.
           When paid, this Note must be surrendered for cancellation.

         FOR VALUE RECEIVED, the undersigned, SCHIMATIC Cash Transactions
Network.com, Inc., a Florida corporation ("Company"), whose mailing address and
principal office is 740 East 3900 South, Suite 300, Salt Lake City, Utah 84115,
hereby promises to pay to Kruse, Landa, Maycock & Ricks, L.L.C., a Utah limited
liability company ("Holder"), or order, whose mailing address is P. O. Box
45561, Salt Lake City, Utah 84145-0561, the aggregate unpaid amount due to
Holder by Company as evidenced by regular monthly statements for professional
services rendered and costs advanced sent by Holder to Company in accordance
with Holder's regular billing practices, with the amount of Two Hundred
Twenty-Three Thousand, Seven Hundred Thirteen Dollars and Ninety-Seven Cents
($223,713.97) due and payable as of January 31, 2003, together with interest
(calculated on the basis of the actual number of days elapsed but computed as if
each year consisted of 360 days) on the unpaid principal balance from time to
time outstanding at an annual gross rate of twelve percent (12%) per annum.

         The entire unpaid principal and all accrued and unpaid interest shall
be due and payable on or before 30 days after demand. Payments hereunder shall
be made in lawful money of the United States of America to Holder at the
Holder's principal place of business. This Note may be prepaid at any time, in
whole or in part, without prior notice to Holder.

         This Note is subject to the following further terms and conditions to
which the Holder hereof, by the acceptance of this Note, agrees:

         1. Conversion. At any time, and prior to payment in full of the entire
outstanding principal balance of this Note plus accrued interest hereunder,
Holder shall have the right, at the Holder's option, to convert the principal
and accrued interest on this Note, in whole or in part, into shares of common
stock of the Company, par value $0.001 per share (the "Conversion Stock"), at a
rate equal to $0.05 per share. Conversion under this section 1 shall occur only
upon surrender of this Note for conversion at the principal offices of the
Company. This Note may be prepaid in full at any time without penalty upon 10
days' written notice to Holder.

<PAGE>

         2. Issuance of Conversion Stock. As soon as practicable after
conversion of this Note, the Company, at its expense, will cause to be issued in
the name of and delivered to the Holder of this Note, a certificate or
certificates for the number of shares of Conversion Stock to which the Holder
shall be entitled upon such conversion (bearing such legends as may be required
by applicable state and federal securities laws in the opinion of legal counsel
of the Company), together with any other securities and property to which the
Holder is entitled upon such conversion under the terms of this Note. Such
conversion shall be deemed to have been made (a) under section 1 above and (b)
immediately prior to the close of business on the date that the Note shall have
been surrendered for conversion. No fractional shares will be issued upon
conversion of this Note. If upon any conversion of this Note a fraction of a
share would otherwise result, then, in lieu of such fractional share, the
Company will pay the cash value of that fractional share, calculated on the
basis of the applicable Note Conversion Price.

         3. Adjustment of Number of Shares. The number and character of shares
of Conversion Stock issuable upon conversion of this Note (or any shares of
stock or other securities or property at the time receivable or issuable upon
conversion of this Note) are subject to adjustment upon the occurrence of any of
the following events:

                  (a) Adjustment for Stock Splits, Stock Dividends,
         Recapitalizations, etc. In the event that the Company shall fix a
         record date for the determination of holders of securities affected by
         any stock split, stock dividend, reclassification, recapitalization, or
         other similar event that will, in the future, affect the number of
         outstanding shares of the Company's capital stock, then, and in each
         such case, the Holder, upon conversion of this Note at any time after
         the Company shall fix the record date for such event, shall receive, in
         addition to the shares of Conversion Stock issuable upon conversion on
         the date on which the Holder exercises its right to convert this Note
         into the Conversion Stock, the right to receive the securities of the
         Company to which such holder would have been entitled if such Holder
         had converted this Note immediately prior to such record date (all
         subject to further adjustment as provided in this Note).

                  (b) Adjustment for Dividends and Distributions. In the event
         that the Company shall make or issue, or shall fix a record date for
         the determination of eligible holders of securities entitled to
         receive, a dividend or other distribution payable with respect to the
         Conversion Stock (or any shares of stock or other securities at the
         time issuable upon conversion of this Note) that is payable in (i)
         securities of the Company other than capital stock, or (ii) any other
         assets, then, and in each such case, the Holder, upon conversion of
         this Note at any time after the consummation, effective date, or record
         date of such event, shall receive, in addition to the shares of
         Conversion Stock (or such other stock or securities) issuable upon such
         conversion prior to such date, the securities or such other assets of
         the Company to which such Holder would have been entitled upon such
         date if such Holder had converted this Note immediately prior thereto
         (all subject to further adjustment as provided in this Note).

<PAGE>

                  (c) Adjustment for Reorganization, Consolidation, Merger. In
         the event of any reorganization of the Company (or any other
         corporation the stock or other securities of which are at the time
         receivable upon the conversion of this Note) after the date of this
         Note, or in the event, after such date, the Company (or any such
         corporation) shall consolidate with or merge into another corporation
         or convey all or substantially all of its assets to another
         corporation, then, and in each such case, the Holder, upon the
         conversion of this Note (as provided in section 1) at any time after
         the consummation of such reorganization, consolidation, merger, or
         conveyance, shall be entitled to receive, in lieu of the stock or other
         securities and property receivable upon the conversion of this Note
         prior to such consummation, the stock or other securities or property
         to which such Holder would have been entitled upon the consummation of
         such reorganization, consolidation, merger, or conveyance if such
         Holder had converted this Note immediately prior thereto, all subject
         to further adjustment as provided in this section 3, and the successor
         or purchasing corporation in such reorganization, consolidation,
         merger, or conveyance (if other than the Company) shall duly execute
         and deliver to the Holder a supplement hereto acknowledging such
         corporation's obligations under this Note. In each such case, the terms
         of the Note shall be applicable to the shares of stock or other
         securities or property receivable upon the conversion of this Note
         after the consummation of such reorganization, consolidation, merger,
         or conveyance.

                  (d) Conversion of Stock. In the event that all of the
         authorized Conversion Stock of the Company is converted, pursuant to
         the Company's Articles of Incorporation, as amended, into other capital
         stock or securities or property, or the Conversion Stock otherwise
         ceases to exist, then the Holder, upon conversion of this Note at any
         time after the date on which the Conversion Stock is so converted or
         ceases to exist (the "Termination Date"), shall receive, in lieu of the
         number of shares of Conversion Stock that would have been issuable upon
         such conversion immediately prior to the Termination Date (the "Former
         Number of Shares of Conversion Stock"), the stock and other securities
         and property to which such Holder would have been entitled to receive
         upon the Termination Date if such Holder had converted this Note with
         respect to the Former Number of Shares of Conversion Stock immediately
         prior to the Termination Date (all subject to further adjustment as
         provided in this Note).

                  (e) Notice of Adjustments. The Company shall promptly give
         written notice of each adjustment or readjustment of the number of
         shares of Conversion Stock or other securities issuable upon conversion
         of this Note, by first class mail, postage prepaid, to the registered
         holder of this Note at the Holder's address as shown on the Company's
         books. The notice shall describe the adjustment or readjustment and
         show in reasonable detail the facts on which the adjustment or
         readjustment is based.

                  (f) No Change Necessary. The form of this Note need not be
         changed because of any adjustment in the number of shares of Conversion
         Stock issuable upon its conversion.

         4. Fully Paid Shares. All shares of Conversion Stock to be issued upon
the conversion of this Note shall be validly issued, fully paid, and
nonassessable.

         5. No Rights or Liabilities as Stockholder. This Note does not by
itself entitle the Holder to any voting rights or other rights as a stockholder
of the Company. In the absence of conversion of this Note, no provisions of this
Note, and no enumeration herein of the rights or privileges of the Holder, shall
cause such Holder to be a stockholder of the Company for any purpose.

<PAGE>

         6. Corporate Action; No Impairment. The Company will not, by amendment
of its Articles of Incorporation or bylaws, or through reorganization,
consolidation, merger, dissolution, issue or sale of securities, repurchase of
securities, sale of assets, or any other action, avoid or seek to avoid the
observance or performance of any of the terms of this Note, but will at all
times in good faith assist in the carrying out of all such terms and in the
taking of all such action as may be necessary or appropriate in order to protect
the rights of the Holder under this Note against wrongful impairment.

         7. Default. Upon the occurrence and during the continuance of any one
or more of the events hereinafter enumerated, the unpaid balance of the
principal and all interest then accrued on this Note shall become immediately
due and payable, without presentation, demand, protest, notice of protest, or
other notice of dishonor, all of which are hereby expressly waived by the
Company, such events being as follows:

                  (a) The failure or refusal of the Company to pay principal of
         or interest on the Note when the same becomes due in accordance with
         the terms thereof and such failure or refusal is not cured within five
         calendar days after the Company has notice thereof.

                  (b) The failure or refusal of the Company punctually and
         properly to perform, observe, and comply with any other covenant or
         agreement contained in this Note and such failure or refusal is not
         cured or remedied within 30 days after the Company has notice thereof.

                  (c) The Company shall (i) become insolvent, (ii) fail to pay
         its debts generally as they become due, (iii) voluntarily seek, consent
         to, or acquiesce in the benefit or benefits of any Debtor Relief Law
         (defined hereinafter), or (iv) become a party to (or be made the
         subject of) any proceeding provided for by any Debtor Relief Law, other
         than as a creditor or claimant, that could suspend or otherwise
         adversely affect the Rights (defined hereinafter) of the Holder granted
         herein (unless, in the event such proceeding is involuntary, the
         petition instituting same is dismissed within 60 days of the filing of
         same). "Debtor Relief Law" means the Bankruptcy Code of the United
         States of America and all other applicable liquidation,
         conservatorship, bankruptcy, moratorium, rearrangement, receivership,
         insolvency, reorganization, suspension of payments, or similar Laws
         from time to time in effect affecting the Rights of creditors
         generally. "Rights" means rights, remedies, powers, and privileges.
         "Laws" means all applicable statutes, laws, ordinances, regulations,
         orders, writs, injunctions, or decrees of any state, commonwealth,
         nation, territory, possession, county, parish, municipality, or
         Tribunal. "Tribunal" means any court or governmental department,
         commission, board, bureau, agency, or instrumentality of the United
         States or of any state, commonwealth, nation, territory, possession,
         county, parish, or municipality, whether now or hereafter constituted
         and/or existing.

                  (d) The failure to have discharged within a period of 30 days
         after the commencement thereof any attachment, sequestration, or
         similar proceeding against any of the assets of the Company, or the
         loss, theft, or destruction of, or occurrence of substantial damage to,
         a material part of the assets of the Company, except to the extent
         adequately covered by insurance.

                  (e) The Company fails to pay any money judgment against it at
         least 10 days prior to the date on which any of the Company's assets
         may be lawfully sold to satisfy such judgment.

                  (f) The discovery by the Holder that any statement,
         representation, or warranty herein or in any writing delivered to the
         Holder pursuant to this Note is false, misleading, or erroneous in any
         material respect.

<PAGE>

If any one or more of the Events of Default specified above shall have happened,
the Holder may, at its option, reduce any claim to judgment or proceed to
protect and enforce its rights either by suit in equity and/or by action of law,
or by other appropriate proceedings, whether for the specific performance of any
covenant or agreement contained in this Note, or in aid of the exercise granted
by this Note of any right, or to enforce any other legal or equitable right or
remedy of the Holder of the Note.

         8. Waiver and Amendment. Any provision of this Note may be amended,
waived, modified, discharged, or terminated solely upon the written consent of
both the Company and the Holder.

         9. Assignment; Binding upon Successors and Assigns. The Company may not
assign any of its obligations hereunder without the prior written consent of
Holder. The terms and conditions of this Note shall inure to the benefit of and
be binding upon the successors and permitted assigns of the parties.

         10. Waiver of Notice; Attorneys' Fees. The Company and all endorsers of
this Note hereby waive notice, demand, notice of nonpayment, presentment,
protest, and notice of dishonor. If any action at law or in equity is necessary
to enforce this Note or to collect payment under this Note, the Holder shall be
entitled to recover, as an element of the costs of suit and not as damages,
reasonable attorneys' fees, costs, and necessary disbursements in addition to
any other relief to which it may be entitled. Holder will be entitled to recover
its costs of suit, regardless of whether such suit proceeds to final judgment.

         11. Construction of Note. The terms of this Note have been negotiated
by the Company, the original Holder of this Note, and their respective
attorneys, and the language hereof will not be construed for or against either
Company or Holder. Unless otherwise explicitly set forth, a reference to a
section will mean a section in this Note. The titles and headings herein are for
reference purposes only and will not in any manner limit the construction of
this Note, which will be considered as a whole.

         12. Notices. Any notice or other communication required or permitted to
be given under this Note shall be in writing, shall be delivered by hand or
overnight courier service, by certified mail, postage prepaid, or by facsimile,
and will be deemed given upon delivery, if delivered personally, one business
day after deposit with a national courier service for overnight delivery, or one
business day after transmission by facsimile with confirmation of receipt, and
three days after deposit in the mail, if mailed, to the addresses set forth in
the introductory paragraph above, or to such other address as may have been
furnished to the other party in writing pursuant to this section 12, except that
notices of change of address shall only be effective upon receipt.

<PAGE>

         13. Governing Law. This Note shall be governed by and construed under
the internal laws of the United States and the state of Utah as applied to
agreements among Utah residents entered into and to be performed entirely within
Utah, without reference to principles of conflict of laws or choice of laws.

         IN WITNESS WHEREOF, the Company has caused this Note to be signed in
its name as of the date first above written.

                                   SCHIMATIC CASH TRANSACTIONS NETWORK.com, INC.

                                   By: /s/  David Simon / Chairman
                                      ---------------------------------------

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