Document:

Exhibit 10.13

              Schimatic Cash Transactions Network, Inc. Letterhead

July 1, 2001

Officer Name______________

Subject:  Agreement to Forego Compensation and Additional Stock Options.

Dear ___________________:

As you know, we are actively seeking new capital infusion, which would finally
provide the Company the financial capacity to realize its full potential. We
believe this, plus the rapidly developing business opportunities, provide
tremendous opportunity for us as management and equity participants.

We now anticipate that, in the near term, our ability to use cash for executive
compensation will be limited. We also believe that investors will be attracted
by our management team's willingness to forego cash compensation appropriate for
past services in lieu of additional equity interests.

To that end the Company requests that you formally agree to forego any
entitlement, which you may have had to additional compensation, other than that
previously paid, through July 1, 2001. Your agreement to this request will be
signified by your signature in the space provided below.

At the same time, the Company's Board of Directors has authorized the issuance
to you of options to purchase __________ shares of the Company's common stock at
an exercise price of $.10 per share. These stock options will be non-qualified
stock options in the same manner as your previous options. They are fully vested
to you and will have a term of ten years. In order to make the exercise of the
options convenient, the Company intends to offer the same non-recourse note
exercise program recently used by you to exercise prior options. An appropriate
certificate of stock option will be forthwith provided to you.

On behalf of our shareholders, we appreciate your cooperation with this request.
We trust that this will help immensely with our efforts to continue to build-out
the Company.

Sincerely,

----------------------
Jim Williams
CEO

Agreed and Accepted,

----------------------
            ,  (title)

<PAGE>

                            Schedule to Exhibit 10.13

Options have been granted under the foregoing as follows:

 Name of Optionee       Date Granted      Number of Shares     Exercise Price
 ----------------       ------------      ----------------     --------------
David J. Simon          July 1, 2001          2,055,000             $.10
James A. Williams       July 1, 2001          1,429,970             $.10
Joe G. Coykendall       July 1, 2001          1,112,500             $.10
Peter J. Bennee         July 1, 2001          1,049,500             $.10
Richard T. Hauge        July 1, 2001            940,000             $.10
John D. Hipsley         July 1, 2001            940,000             $.10
Philip J. Voelker       July 1, 2001            780,000             $.10
Donna M. Kreutz         July 1, 2001            885,000             $.10Exhibit 10.14

[Smart Chip Technologies Letterhead]

                      NOTICE TO COMMON STOCK OPTION GRANTS

January 26, 2001

[name and address of optionee]                      ID: [social security number]

The Board of Directors of the Company is very pleased to inform you of the grant
of  options  to  purchase  Company  common  stock.  This  grant of options is in
recognition of your current and anticipated  contributions  to the Company.  The
Board has asked me to provide you with certificate for your records. If you have
any questions  regarding the details of this grant, please contact Peter Bennee,
Corporate Secretary, either directly or in writing.

The details of this grant are as follows:

         Effective Date of Grant _____________________________________________
         Expiration Date _____________________________________________________
         Number of Shares Exercisable ________________________________________
         Exercise Price per Share ____________________________________________
         Market Price on Grant Date __________________________________________
         Vesting Details _____________________________________________________
         Incentive Option Shares Applicability _______________________________

The Company  will of course  retain a copy of this  certificate  in its records;
however,  we strongly  suggest that you retain this  certificate in a safe place
for your  personal  and income tax  records.  You should plan to seek  competent
income tax and financial  advice  regarding these stock options and the exercise
of the options. As a holder of these options,  you are entitled and will receive
copies of all correspondence and reports regularly provided to shareholders.

By your  signature  and SCTN's  signature  below,  you and SCTN agree that these
options are hereby  granted by SCTN and received by you by virtue of this Notice
of Stock Option Grant certificate.

Congratulations.  We appreciate your service and dedication.

/s/ Jim Williams 3/1/01
---------------------------
Jim Williams
President/CEO

___________________________
Joe Coykendall

<PAGE>

                            Schedule to Exhibit 10.14

2000

 Name of Optionee           Date Granted     Number of Shares   Exercise Price
 ----------------           ------------     ----------------   --------------
James A. Williams            09/06/2000             800,000           .48
                             04/04/2000             250,000           .48
                             03/01/2000           2,500,000           .48

Joe G. Coykendall            05/01/2000             500,000           .48
                             05/01/2000             500,000           .48
                             05/01/2000             500,000           .64

Peter J. Bennee              09/06/2000             120,000           .48
                             01/13/2000             600,000           .48

Paul E. Christensen          01/13/2000             100,000           .48

Richard T. Hauge             04/04/2000             100,000           .48
                             08/16/2000           2,000,000           .48
                             08/16/2000           1,000,000           .40

John D. Hipsley              04/04/2000             100,000           .48
                             08/16/2000           1,500,000           .48
                             08/16/2000             500,000           .40

Philip J. Voelker            10/16/2000             700,000           .48
                             10/16/2000             500,000           .36
Donna M. Kreutz              01/13/2000             200,000           .48
                             04/04/2000             100,000           .48
                             04/04/2000              50,000           .48

Sandi Lueck                  01/13/2000              35,000           .48

Matt Magnum                  03/09/2000              24,000           .80

Jim McKenna                  01/13/2000              35,000           .48

Debra Feraco                 01/13/2000              60,000           .48

Janette Goins                05/24/2000              96,000           .48
                             05/24/2000               8,333           .48

Elaine Bevon                 01/13/2000              60,000           .48

Rhoda Debes                  01/13/2000              60,000           .48

Rex Griffiths                01/13/2000             100,000           .48

Chris Jones                  01/13/2000             250,000           .48
                             01/13/2000             200,000           .48

2001

 Name of Optionee           Date Granted     Number of Shares   Exercise Price
 ----------------           ------------     ----------------   --------------
Joe G. Coykendall         January 30, 2001          350,000          $.22

Philip J. Voelker         January 30, 2001          100,000          $.22

Donna M. Kreutz           January 30, 2001          100,000          $.22Exhibit 10.15

                 NON-STATUTORY INCENTIVE STOCK OPTION AGREEMENT

     THIS  AGREEMENT,  made  as of  November  1,  1998,  by  and  between  R & D
Technology,  Inc.,  a Nevada  corporation  (the  "Company")  and David J.  Simon
("Optionee").

         1.  Grant.  For good and  valuable  consideration,  receipt of which is
hereby  acknowledged,  the Company  hereby grants to the Optionee an option (the
"Option")  to purchase up to two million  (2,000,000)  shares of Common Stock of
the  Company,  par value $.001 per share,  at an  exercise  price of fifty cents
($.50) per Share.

         2. Term.  This Option shall expire at the close of business on the last
day of the month occurring three (3) years from the date set forth above.

         3. Method and Time of Exercise. The Option may be exercised in whole or
in part by written notice  delivered to the Company stating the number of shares
with  respect  to which the  Option is being  exercised,  together  with a check
payable to the Company in the amount of the  purchase  price of such shares plus
applicable Federal,  state and local withholding taxes and any written statement
required by Paragraph 8, provided that the Optionee shall be entitled to pay all
or part of the exercise price by cancellation  in full of  indebtedness  owed to
the  Optionee,  if any, by the Company for services  which have been rendered or
expenses which have been incurred by the Optionee as a consultant to or employee
of the Company.

         4. Tax  Withholding.  As a condition  to exercise of this  Option,  the
Company  may require  the  Optionee  to pay over to the  Company all  applicable
federal,  state and local taxes  which the Company is required to withhold  with
respect to the exercise of this  Option.  Upon  notification  by the Company and
upon the request of the Optionee, the minimum statutory withholding requirements
may be satisfied by withholding of shares of Common Stock otherwise  issuable to
the Optionee upon exercise of this Option.

         5.  Service as a Consultant  or Employee.  Nothing in this Option shall
confer upon the Optionee any right to perform  services for the Company or shall
restrict  in any way the right of the  Company to  discharge  or  terminate  the
Optionee any time for any reason whatsoever.  This Option shall not terminate as
a result of the termination of Optionee's services as independent  contractor or
consultant to or employee of the Company.

         6.  Rights as  Shareholder;  Adjustments.  The  Optionee  shall have no
rights as shareholder with respect to the Common Stock of the Company covered by
the Option until the due and valid  exercise of any portion of this  Option.  If
there is any change in the capital  structure  of the company  affecting  in any
manner the outstanding  shares of Common stock of the Company,  whether by stock
dividend,  stock  split,  reclassification  or  recapitalization  or because the
Company has merged or consolidated with one or more corporations then the number
of shares of Common  Stock  then  subject to the Option and the price to be paid
therefor  shall be  appropriately  adjusted by the Board of Directors,  provided
that no fractional  shares shall be issued or issuable and further provided that

<PAGE>

the  adjustment  shall  not be to the  aggregate  purchase  price to be paid for
exercise of the entire  remaining  option but shall be to the exercise price per
share of Common Stock.  No adjustment  shall be made for reverse stock splits or
for cash  dividends  or stock  rights for which the record  date is prior to the
date of exercise of applicable portions of this option.

         7.  Non-Transferability;  Restrictions  on Resale.  The Optionee agrees
that the Option and the underlying  shares of Common Stock to be issued pursuant
to exercise  thereof are being  acquired for  investment  and not with a view to
distribution  and that  appropriate  legend(s) may be placed on any certificates
evidencing such option and/or shares.  This Option and the underlying shares may
not be  assigned  or  transferred  (except  by will or the laws of  descent  and
distribution)  unless  there is at the time a  registration  statement in effect
covering the  securities to be assigned or  transferred or an opinion of Company
counsel (paid for by the transferor)  that such assignment or transfer is exempt
from the requirement of registration,  based upon such  representations as shall
be required by such counsel.

         8.  Registration.  The Company  agrees that if within a period of three
(3) years  following the above date the Company  shall  register for public sale
under the US Federal  securities  laws or any exemption  therefrom any shares of
its Common  Stock,  the  Company  will  provide at least  thirty (30) days prior
notice of such  intention to the Holder and within twenty (20) days of receiving
such  notice the Holder  shall  notify the Company of  intention  to include the
Common Stock  underlying this Option in the registration  statement.  The Holder
shall at the time of  registration  execute  a  holdback  agreement  in form and
substance  acceptable  to the Company  whereby  the Holder  agrees to wait until
after such other  shares are sold  before  the  Holder's  registered  shares are
offered or sold.

         9.  Notice.  Notice  hereunder  to be  effective  shall  be in  writing
addressed as set forth below and delivered or deposited with prepaid  postage in
a U.S. Postal Service or other express mail depository,

                  If to the Company:        R & D Technology, Inc.
                                            c/o Marks and Devin
                                            23801 Calabasas Rd., Ste 204
                                            Calabasas, CA  91302

                  If to the Optionee:       David J. Simon
                                            13339 Albers St.
                                            Sherman Oaks, CA 91401

         10. Miscellaneous. In the event that any provision of this Agreement is
found to be invalid or otherwise  unenforceable  under any applicable  law, such
invalidity  shall not  thereby  render  any other  provision  of this  Agreement
invalid.  This  Agreement  shall bind the successors and assigns of the parties.
This Agreement shall be interpreted and enforceable  under the laws of the State
of Nevada. This Agreement may be executed in multiple counterparts.

                                       2
<PAGE>

         IN WITNESS WHEREOF,  the parties have hereunto set their hand as of the
above date pursuant to due authority.

R & D Technology, Inc.

By /s/ David Simon, President
   ---------------------------------

By /s/ (Unintelligible)
   ---------------------------------

OPTIONEE:

/s/ David Simon
-------------------------

                                       3

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