Document:

Exhibit 10.01

                              DEVELOPMENT AGREEMENT

This Agreement ("Agreement") entered into as of April 1, 2003 (the "Effective
Date") between Airos Group, Inc., an Ontario corporation, with offices at 151
Robinson St., Oakville, Ontario (the "Contractor") and Smart Chip Technologies.,
a Florida corporation (the "Company"), with its corporate office at 330 E. Warm
Springs Rd., Las Vegas, NV 89119 and a Development Center, which will be its
principal place of business for this Agreement, at 740 East 3900 South, Salt
Lake City, Utah 84107.

         WHEREAS, the Company is in the business of developing and commercially
exploiting smart card, terminal, PC, and server-based based loyalty systems (the
"Project"), and Contractor represents that it has extensive experience in POS
terminal application development, Smart Card development, PC development, as
well as large-scale server-based systems, including development and processing
using Relational Databases and Application Servers deploying J2EE Enterprise
Java Beans, technical project management, quality assurance management and
system integration applicable to the Project (the "Services"); and

         WHEREAS, the Company desires to retain the services of the Contractor
to provide the Services (as hereinafter set forth) and the Contractor desires to
render the Services, upon the terms and conditions hereinafter set forth;

         NOW, THEREFORE, in consideration of the agreements and covenants
contained herein, the Contractor and the Company hereby agree as follows:

1. Services

         1.1 Appointment; Responsibilities - The Company hereby engages the
Contractor to perform the Services commencing as of the Effective Date, in
accordance with the terms and conditions herein.

         (a)      Term - This Agreement shall be for a term of two years (the
                  "Term") and shall be terminable on the terms and subject to
                  the conditions set forth in this Agreement, and shall be
                  extendable by mutual agreement, for an additional two (2) one
                  year Terms.

         (b)      Reporting - The Contractor shall report to and operate under
                  the direction of the Company representative David Simon or his
                  designee (hereafter "SCTN Tech").

         1.2 Services - Contractor shall render Services to the Project as set
forth in Schedule I, attached hereto, and as may be additionally required by
Company from time to time during the term of this Agreement. The terms for
provision of additional services shall be mutually agreed upon and Schedule I
shall be amended accordingly.

         (a)      Initial Development - See Schedule I. Contractor is solely
                  responsible for the means, manner, and method of Contractor's
                  work, subject to the general objectives and requirements, and
                  specific direction, of SCTN's technical specifications and the
                  SCTN Tech, and the Procedures described below.

         (b)      Multiple Releases - Contractor agrees to plan and develop the
                  Project in Multiple Releases, as directed by the Company's
                  Marketing Management and as mutually agreed by Contractor and
                  SCTN Tech.

         (c)      First Right of Refusal - Contractor will be given the First
                  Right of Refusal for implementation, integration and
                  customization services that Company is to provide to clients,
                  as mutually agreed by Contractor and SCTN Tech.

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         (d)      Implementation services - Contractor will provide
                  Implementation Services of the Product in a manner, method and
                  frequency consistent with standard industry practices, as
                  mutually agreed by Contractor and SCTN Tech.

         (e)      Network Services - Contractor will provide Network Services
                  and Support of the Product in a manner, method and frequency
                  consistent with standard industry practices, as mutually
                  agreed by Contractor and SCTN Tech.

         (f)      Maintenance - Contractor will provide Maintenance of the
                  Product in a manner, method and frequency consistent with
                  standard industry practices, as mutually agreed by Contractor
                  and SCTN Tech.

         (g)      Customer Support - Contractor will provide Customer Support of
                  the Product in a manner, method and frequency consistent with
                  standard industry practices, as mutually agreed by Contractor
                  and SCTN Tech.

         (h)      Technical Support - Contractor will provide Technical Support
                  of the Product in a manner, method and frequency consistent
                  with standard industry practices, as mutually agreed by
                  Contractor and SCTN Tech.

         1.3 Procedures - Contractor shall render Services to the Project in
accordance with the following procedures:

         (a)      Location of work to be performed - Contractor shall render
                  services primarily at Contractor's offices or any other place
                  of Contractor's choosing. 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.

         (b)      Contractor's schedule - 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.

         (c)      Equipment, software, supplies - Unless otherwise agreed by
                  Company in advance, Contractor shall be solely responsible for
                  procuring, paying for, and maintaining any and all equipment,
                  software, paper, tools or other supplies necessary or
                  appropriate for the performance of Contractor's services
                  hereunder. Existing DB and System Software to be turned over
                  to Contractor by Company, additional software required as part
                  of Product to be supplied by Company or arranged by mutual
                  agreement.

         (d)      Progress Reports - Progress reports will be provided by
                  Contractor to the Company in a manner, format and frequency
                  consistent with standard industry practices, as mutually
                  agreed by Contractor and SCTN Tech.

         (e)      Problem Tracking - Problem Tracking will be provided by
                  Contractor to the Company in a manner, format and frequency
                  consistent with standard industry practices, as mutually
                  agreed by Contractor and SCTN Tech.

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         (f)      Version Control and Release Control - Version Control and
                  Release Control methodologies will be used by Contractor that
                  are adequate to control multiple concurrent development
                  threads of the Project and multiple releases of the Product,
                  and that are acceptable to the Company. Contractor will
                  furnish Company reports and listings, as requested, in a
                  manner, format and frequency consistent with standard industry
                  practices, as mutually agreed by Contractor and SCTN Tech.

         (g)      Verification - The accuracy and quality of the program code
                  produced will be verified by the development and execution of
                  test plans, and acceptance of results, including System
                  Testing, Integration Testing, Quality Assurance Testing,
                  Performance Testing, and Stress Testing. Plans, reports and
                  results will be provided by Contractor to the Company in a
                  manner, format and frequency consistent with standard industry
                  practices, as mutually agreed by Contractor and SCTN Tech.

         (h)      Documentation - Contractor shall be responsible for creation
                  and delivery of electronic copies of all appropriate
                  documentation, including Project Plans, Program, System,
                  Testing, Release, Operations, and User Documentation in a
                  manner, format and frequency consistent with standard industry
                  practices, as mutually agreed by Contractor and SCTN Tech.

         (i)      Copies of Code - Contractor shall be responsible for creation
                  and delivery of electronic copies of all Program Code (Source
                  and Executable) of the System, Programs, Libraries, Testing,
                  Utilities, Release Control, Databases, and any Operational
                  Entities on a weekly basis or as agreed by SCTN Tech, in a
                  format and frequency consistent with standard industry
                  practices, as mutually agreed by Contractor and SCTN Tech.

         (j)      Turnover upon Termination - Upon Termination of this Agreement
                  by either Party for any reason except failure by Company to
                  pay Fees as agreed herein, Contractor agrees to submit to
                  Company the latest version of all Code and Documentation, as
                  described above, and to use Contractor's best efforts to work
                  with SCTN Tech to effect a complete and undisrupted transition
                  of the Project.

2. Compensation

         2.1 General - The Company shall compensate the Contractor for all
services under this Agreement, as set forth below.

         2.2 Fees & Personnel - Commencing from the Effective Date, Contractor
shall be compensated for Services rendered at a rate of eighty dollars (US $80)
per hour for each person engaged on behalf of Contractor in the Project (the
"Fee") until the total Fees billed exceed five hundred thousand dollars (US
$500,000), at which time the rate for all services will be reduced to sixty five
dollars (US $65) per hour. The Fee, which will include all billable hours plus
pre-approved travel expenses, will be payable per the conditions listed below.
Contractor will use his best efforts to avoid changing the Project personnel
once they have begun work on the Project, unless it is absolutely necessary.
Contractor shall be responsible for the payment of all taxes including without
limitation, all Canadian and provincial, income, unemployment, social security
and medicare taxes. Conditions of payment:

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         (a)      Payment of Fees - Company will pay Contractor's Fees on a
                  deferred basis until the first Release of the Product to a
                  paying client (when revenues begin to be received by Company),
                  then Company will begin repayment from Product Revenues as
                  stated below. As soon as Company receives adequate revenues,
                  Company will begin paying Contractor's Fees within 30 days of
                  receipt of invoice, without the "Deferral Bonus." "Adequate
                  revenues" as used herein, is defined to mean product revenues
                  received by Company, less the 10% for payback of Deferral
                  Bonus, in an amount sufficient, in the opinion of Company
                  Management, to pay Company's base costs plus the then current
                  Contractor's Fees, or a portion thereof.

         (b)      Payment from Revenues - Company will repay Deferred Fees at
                  the rate of 10% of Product revenues received by Company, plus
                  the "Deferral Bonus" described below, until all deferred Fees
                  have been repaid. This is anticipated by Company and
                  Contractor to occur beginning in Month 9 of the Term. Company
                  may, at its option, repay all or some of the Deferred Fees at
                  any time from other sources of funds or revenue, in addition
                  to the Product revenue repayment schedule.

         (c)      Deferral Bonus - Contractor will be paid a Deferral Bonus of
                  six percent (6%) per month in Company stock, restricted by SEC
                  Rule 144, for all Fees deferred until Product Revenues begin,
                  up to a maximum total aggregate Deferral Bonus of two million
                  dollars (US $2,000,000) worth of stock issued. The stock price
                  used to calculate the number of shares due will be equal to
                  the closing stock price on the last business day of each month
                  for which the Deferred Fees are invoiced.

         (d)      Inclusion of prior balance due - The balance currently due to
                  Contractor from Company (US $31,789) will be considered
                  Deferred Fees due, to be repaid from revenues. The Deferral
                  Bonus will be calculated as part of paragraph (c) above, and
                  the 96,378 more shares and 200,000 more options due under the
                  previous contract will be issued immediately.

         (e)      Contractor will be provided options on the Company stock at
                  the rate of 100,000 shares each month, beginning on April 30,
                  2003, and continuing as long as there is an outstanding
                  balance of Deferred Fees, at a strike price equal to 150% of
                  the closing stock price on the last business day of the month.
                  The options will be issued monthly and are exercisable within
                  three years of issuance.

         (f)      First right of refusal - Contractor will be given first right
                  of refusal for implementation, integration and customization
                  services for Company's clients. Company will charge a profit
                  margin (% TBD) on Contractor's resources. Company and
                  Contractor estimate the first such client services will begin
                  in Month 5 of the Term, and will cover a four month period,
                  second client in Month 9.

         (g)      Withholding - 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.

3. Termination

         3.1 Termination - With effect from the Effective Date, this Agreement
shall end on the earlier of: (i) the end of the Term or renewal Term or (ii)
upon termination for Cause (as defined herein);

<PAGE>

         3.2 Cause - For the purpose of this Section 3, "Cause" shall exist if;

         (a)      Contractor (i) substantially fails to perform Contractor's
                  areas of responsibility set forth herein, (ii) engages in
                  conduct which, in the sole discretion of the Company, is
                  unethical, illegal or which otherwise brings adverse notoriety
                  to Company or has an adverse effect on the name or public
                  image of the Company, (iii) fails to comply with the
                  instructions of Company in a manner detrimental to the
                  Company, provided that with respect to clauses (i) and (iii),
                  if Contractor has cured any such condition (that is reasonably
                  susceptible to cure) within 15 days following delivery of the
                  advance notice (as defined herein) then "cause" shall be
                  deemed not to exist. For purposes of this Section 3, "advance
                  notice" shall constitute a written notice delivered to
                  Contractor that sets forth with particularity the facts and
                  circumstances relied upon by the Company as the basis for
                  cause.

         (b)      The Company fails to pay the Fee for a period of more than 90
                  days from the date which is defined above, or (ii) the
                  Contractor is asked to engage in conduct which is unethical or
                  illegal.

         3.3 Termination Compensation - Upon termination for Cause by the
Company or termination without Cause by the Contractor, Contractor shall be
entitled to the compensation set forth as the Fee herein, prorated to the
effective date of such termination, subject to the Procedures described in
Section 1, above. Upon termination for Cause by Contractor, Contractor shall be
entitled to the compensation set forth as the Fee herein, prorated to the
effective date of such termination.

4. Development Rights; Confidential Information; Non-competition

         4.1 Development Rights

         Contractor agrees and declares that all proprietary information
including but not limited to trade secrets, know-how, patents and other rights
in connection therewith developed by or with the contribution of Contractor's
efforts during the term of his provision of Services to the Company, shall be
the sole property of the Company. Upon the Company's request (whenever made),
Contractor shall execute and assign to the Company all the rights in the
proprietary information.

         Company reserves all rights, including copyrights and all derivative
rights, of all works created by Contractor under this Agreement, including but
not limited to source code, documentation, executables, architectural drawings,
and operating instructions. Contractor hereby prospectively assigns all such
works to Company, for the consideration provided in Section 2.

         4.2 Confidentiality

         (a)      The term "Information" as used in this section means any and
                  all confidential and proprietary information including but not
                  limited to any and all specifications, formulae, prototypes,
                  software design plans, computer programs, and any and all

<PAGE>

                  records, data, methods, techniques, processes and projections,
                  plans, marketing information, materials, financial statements,
                  memoranda, analyses, notes, and other data and information (in
                  whatever form), as well as improvements and know-how related
                  thereto, relating to the Company or its products. Information
                  shall not include information that (a) was already known to or
                  independently developed by Contractor prior to its disclosure
                  as demonstrated by reasonable and tangible evidence
                  satisfactory to the Company; (b) shall have appeared in any
                  printed publication or patent or shall have become part of the
                  public knowledge except as a result of breach of this
                  Agreement by the Contractor or similar agreements by other
                  Contractor's or Company's employees (c) shall have been
                  received by the Contractor from another person or entity
                  having no obligation of confidentiality to the Company or (d)
                  is approved in writing by the Company for release by the
                  Contractor.

         (b)      Contractor agrees to hold in trust and confidence all
                  Information disclosed to it and further agrees not to exploit
                  or disclose the Information to any other person or entity or
                  use the Information directly or indirectly for any purpose
                  other than for Contractor's work with the Company.

         (c)      Contractor agrees to disclose the Information only to persons
                  necessary in connection with Contractor's work with the
                  Company and who have undertaken in writing the same
                  confidentiality obligations set forth herein in favor of the
                  Company. Contractor agrees to assume full responsibility for
                  the confidentiality of the Information disclosed to Contractor
                  and to prevent its unauthorized disclosure, and shall take
                  appropriate measures to ensure that such persons acting on his
                  behalf are bound by a like covenant of secrecy.

         (d)      Contractor acknowledges and agrees that the Information
                  furnished hereunder is and shall remain proprietary to the
                  Company. Unless otherwise required by statute or government
                  rule or regulation, all copies of the Information, shall be
                  returned to the Company immediately upon request without
                  retaining copies thereof.

5. Miscellaneous

         5.1 Representation and Warranty - Contractor represents and warrants to
the Company that the execution and delivery of this Agreement and the
fulfillment of the terms hereof (i) will not constitute a breach of any
agreement or other instrument to which Contractor is party, and (ii) does not
require the consent of any person.

         5.2 Notices - All notices, requests or other communications provided
for in this Agreement shall be made in writing either (a) by personal delivery
to the party entitled thereto, (b) by facsimile or electronic mail with
confirmation of receipt, (c) by mailing to the last known address of the party
entitled thereto or (d) by express courier service. The notice, request or other
communication shall be deemed to be received upon personal delivery, upon
confirmation of receipt of facsimile or electronic mail transmission or upon
seven (7) days from mailing from any national mail service or upon receipt if by
express courier service; provided, however, that if a notice, request or other
communication is not received during regular business hours, it shall be deemed
to be received on the next succeeding business day of the Company.

<PAGE>

         If to Contractor:
                  Airos Group
                  151 Robinson St.
                  Oakville, Ontario
                  Canada L6J 7N3

         If to Company:
                  Smart Chip Technologies
                  740 E. 3900 South
                  Salt Lake City, Utah 84107

         5.3 Assignment and Succession. This Agreement is personal to Contractor
and Contractor shall not assign or delegate his rights or duties to a third
party, whether by contract, will or operation of law, without the Company's
prior written consent.

         5.4 Headings. The Article, Section, paragraph and subparagraph headings
are for convenience of reference only and shall not define or limit the
provisions hereof.

         5.5 Invalidity. If any provision of this Agreement is or becomes
invalid, illegal or unenforceable in any respect under any law, the validity,
legality or enforceability of the remaining provisions hereof shall not in any
way be affected or impaired.

         5.6 Waivers. No omission or delay by either party hereto in exercising
any right, power or privilege hereunder shall impair such right, power or
privilege, nor shall any single or partial exercise of any such right, power or
privilege, preclude any further exercise thereof, or the exercise of any other
right, power or privilege.

         5.7 Counterparts. This Agreement may be executed in multiple
counterparts, each of which shall be deemed an original but all of which
together shall constitute one and the same instrument.

         5.8 Entire Agreement. This Agreement contains the entire understanding
of the parties and supersedes all prior agreements and understandings relating
to the subject matter hereof. No representation, promise or inducement has been
made by either party hereto that is not embodied in this Agreement and neither
party shall be bound by or liable for any alleged representation, promise or
inducement not set forth herein. This Agreement may not be amended, except by a
written instrument hereafter signed by each of the parties hereto.

         5.9 Interpretation. The parties hereto acknowledge and agree that each
party and its or his counsel reviewed and negotiated the terms and provisions of
this Agreement and have contributed to its drafting. Accordingly, (i) the rules
of construction to the effect that any ambiguities are resolved against the
drafting party shall not be employed in the interpretation of this Agreement,
and (ii) the terms and provisions of this Agreement shall be construed fairly as
to all parties hereto and not in favor of or against any party regardless of
which party was generally responsible for the preparation of this Agreement.

         5.10 Governing 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.

<PAGE>

         IN WITNESS WHEREOF, each of the Company and the Contractor has caused
this Agreement to be signed by its duly authorized officer as of the day and
year first above written.

SMART CHIP TECHNOLOGIES                         AIROS GROUP INC.

By: /s/ David J. Simon                          By: /s/ Miki Radivojsa
-----------------------------------------          -----------------------------
Name:  David J. Simon                              Name:  Miki Radivojsa
Title: Chairman & Chief Product Architect          Title: President

Schedules OmittedExhibit 10.01

                  SCHIMATIC CASH TRANSACTION NETWORK.COM, INC.

                               September 17, 2003

Thomas Jackson Performance Management
  Holdings Inc.
2019 Water's Edge Drive
Oakville, Ontario
L6L 1A3

Attention:        Nik Korakianitis, Esq.

Dear Sirs:

                           RE: ARRANGEMENTS WITH SCTN

This is further to our recent discussions regarding your appointment as an
authorized sales agent for SCTN's Loyalty System.

As you know: (i) SCTN has developed and continues to develop certain
technologies relating to incentive rewards; and (ii) SCTN has obtained patent
protection on certain technologies and business processes as disclosed in United
States Patent No. 5,806,045 filed July 8, 1996 and issued in September 1998
entitled, "Method and System for Allocating and Redeeming Incentive Credits
between a portable device and a base device" and related patents; Australia
Patent No. 703349 issued in October 1999, Mexico Patent No. 96/03161 issued in
November 2000, Patent Pending in Canada - Application Number 2182596, and Patent
Pending in Japan - Application Number 7-520773 (hereinafter referred to,
collectively, as the "Patent").

SCTN's Loyalty System provides a method of crediting and redeeming incentive
rewards in various forms but not limited to discounts, cash rebates, points,
etc. as more particularly described in Schedule "A" hereto.

Based upon your expression of interest in representing the Product (as
hereinafter defined) in the marketplace, SCTN is prepared to appoint you as
SCTN's agent for that purpose and to grant to you certain other rights in
respect of SCTN.

The purpose of this letter is to memorialize the terms of your appointment as
SCTN's sales agent and certain ancillary matters, and, to further define our
relationship in order to ensure that we both understand our respective roles and
obligations.

AGREEMENT

1. For good and valuable consideration, the receipt and sufficiency of which is
hereby acknowledged, SCTN hereby agrees as follows:

DEFINITIONS

2. Capitalized terms used in this document shall have the respective meanings
ascribed thereto in the text of the document and unless there is something in
the context or subject matter inconsistent therewith, the following terms shall
have the following meanings:

<PAGE>

         "Agreement" means this Agreement and any agreement supplementary or
         ancillary hereto and any counterpart hereof. The terms "this
         Agreement", "hereof", "hereunder" and similar expressions refer to this
         Agreement and not to any particular Article, section, subsection or
         other portion hereof (unless specifically modified) and include any
         agreement supplemental or ancillary hereto;

         "Alpha Test" has the meaning ascribed thereto in Schedule "D";

         "Beta Test" has the meaning ascribed thereto in Schedule "D";

         "Client" or "Customer" means any person who licenses the Product from
         SCTN by virtue of TJ's sales efforts and whether as part of SCTN's
         Loyalty System, as part of a bundled or integrated product or as a
         stand-alone product or otherwise;

         "Exclusive Markets" means those countries listed in Schedule "C"
         hereto, as amended from time to time in accordance with paragraph 11;

         "General Release" has the meaning ascribed thereto in Schedule "D";

         "Milestones" means Product Completion, Alpha Test, Beta Test or General
         Release, as appropriate;

         "Options" means the options granted to TJ pursuant to paragraph 28 (b)
         to acquire shares in the capital stock of SCTN;

         "person" includes an individual, firm, corporation, syndicate,
         partnership, trust, association, joint venture, unincorporated
         association, government or governmental or regulatory body or agency
         and every other legal or business entity whatsoever;

         "Product" means SCTN's Loyalty System, and all technologies,
         intellectual property rights, software, business processes and services
         associated therewith, including all revisions, modifications and
         enhancements thereto and future versions thereof;

         "Product Completion" has the meaning ascribed thereto in Schedule "D";

         "Protected Customers" means those customers and prospective customers
         listed in Schedule "B" hereto, as amended from time to time in
         accordance with paragraph 14;

         "Qualifying Customer" means any Customer that enters into agreements
         for Product generating not less than $200,000 in Upfront Fees, or, not
         less than $1,000,000 in Recurring Fees;

         "Recurring Fees" means all ongoing/transaction/service fees charged to
         Customers, including deposits tendered on account thereof, but
         specifically excludes Upfront Fees;

         "SCTN" means Schimatic Cash Transaction Network, Inc., d.b.a. Smart
         Chip Technologies;

         "Shares" means the shares in the capital stock of SCTN to be issued to
         TJ in accordance with paragraph 28 (a) and any shares resulting from
         the exercise by TJ of the Options;

         "TJ" means Thomas Jackson Performance Management Holdings Inc;  and

         "Upfront Fees" means all base/one-time/upfront/non-recurring fees
         charged to Customers.

                                       2
<PAGE>

SCHEDULES

3. Schedules and other documents attached or referred to in this Agreement are
an integral part of this Agreement. The following is a list of the schedules
attached to and forming part of this Agreement:

                           Schedule A -     Product Description
                           Schedule B -     Protected Customers
                           Schedule C -     Exclusive Markets
                           Schedule D -     Milestones
                           Schedule E -     After Sales Service
                           Schedule F -     Minimum Performance Standards
                           Schedule G -     Prices.

APPOINTMENT

4. SCTN hereby appoints TJ as an independent sales agent for the Product and TJ
hereby accepts such appointment all on and subject to the terms and conditions
more particularly set out herein.

The appointment contemplated by this Agreement is limited and effective only so
long as TJ complies with its obligations hereunder.

TJ acknowledges and agrees that SCTN grants licenses to use, and does not sell,
its software. However, for the sake of expediency, the terms "sell" and "sale"
are used in this Agreement.

LICENSE

5. SCTN hereby grants to TJ a non-exclusive, royalty-free license, which shall
run concurrently with the term of this Agreement, to use the trademarks, trade
names and logos now or hereafter owned by or licensed to SCTN in connection with
the distribution and sale of the Product and TJ accepts such license subject to
the terms and conditions hereinafter set forth. For greater certainty, TJ may
only use SCTN's trademarks, trade names and logos in furtherance of the
relationship described herein.

NATURE OF RELATIONSHIP

6. This Agreement is intended to establish a relationship between SCTN and TJ
whereby TJ will be a sales agent for SCTN.

7. TJ understands it is authorized only to solicit orders for the Product on
behalf of SCTN and shall have no authority, express or implied, except as herein
clearly provided, to act for or to bind SCTN in any way; to enter into any
contract or commitment; to change prices or terms and conditions of sale; to
extend warranties; or to make representations to buyers or others on behalf of
SCTN.

8. TJ understands that its relationship to SCTN is that of a limited agent of
SCTN. No other relationship is intended to be created between the parties.
Nothing in this Agreement shall be construed so as to make TJ, or any of its
employees, employees of SCTN, and neither TJ nor any of its employees shall be
entitled to participate in any of SCTN's employee benefit programs.

SCTN shall not be liable to pay wages, withhold any taxes, provide any
insurance, or otherwise be obligated as an employer. SCTN's sole obligation
hereunder shall be to pay commissions as provided in this Agreement. As such,
SCTN shall not be responsible to any of the various governmental agencies for
worker's compensation insurance or any other type of employee insurance,
withholding taxes or other deductions for TJ or employees of TJ.

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<PAGE>

Notwithstanding the foregoing, TJ's employees will have the right and obligation
to represent themselves to the public as agents of SCTN and, for that purpose,
will be issued SCTN business cards and email addresses.

9. Save and except for the limited licenses contemplated by this Agreement, TJ
does not have, and shall not acquire, any interest in or to the intellectual
property of SCTN by reason of the within appointment.

EXCLUSIViTY RIGHTS

10. Except as otherwise expressly provided herein, TJ shall be SCTN's sole and
exclusive sales agent for the Product (and all components thereof) in each
Exclusive Market and, provided that TJ has met all minimum sales criterion in
respect of such market, SCTN will not authorize any new sales representatives,
agents or other form of channel partner in such market while this Agreement is
in force nor will it make sales (or otherwise distribute the Product or any
component thereof) directly, except as specified herein.

11. The list of Exclusive Markets shall be expanded from time-to-time to include
any additional jurisdiction in which: (a) SCTN obtains patent protection for the
Product after the date hereof; or (b) TJ effects a Product sale to a Qualifying
Customer (including any jurisdiction which might previously have been an
Exclusive Market but in respect of which TJ lost exclusivity in accordance with
paragraph 16).

In each such instance, Schedule "C" will automatically be revised to add
reference to the new jurisdiction. The revised schedule will supercede the
previous version and will be appended to this Agreement and become an integral
part hereof.

For greater certainty, a jurisdiction shall not become an Exclusive Market
simply because a Client has operations in that jurisdiction. Instead, a new
jurisdiction will only be considered to be an Exclusive Market for purposes of
this Agreement when, in addition to a signed contract received by SCTN, a
Product has actually been implemented in that jurisdiction.

12. The appointment of TJ as SCTN's sales agent in all other markets shall be
non-exclusive.

13. If SCTN receives requests for the Product, or any inquiries regarding the
same, from any person that is not a Protected Customer in any market that is not
an Exclusive Market, SCTN will promptly refer all such leads to TJ and TJ will
have a period of ten (10) business days to initiate contact with the prospective
customer. In the event that TJ fails to do so, SCTN shall have the right to
pursue such person directly.

PROTECTED CUSTOMERS / PROSPECTS

14. Save as hereinafter provided, or as may otherwise in writing be agreed by
SCTN, TJ shall not solicit orders for the Product from any Protected Customer.

The list of Protected Customers shall be reviewed one (1) year after General
Release. In the event that, by such date, SCTN has not sold the Product to any
Protected Customer, TJ shall no longer be restricted from soliciting such
Protected Customer.

In each such instance, Schedule "B" will automatically be revised to delete
reference to any such Protected Customers. The revised schedule will supercede
the previous version and will be appended to this Agreement and become an
integral part hereof.

                                       4
<PAGE>

TJ's OBLIGATIONS

15.      TJ will:

         (a)      use reasonable commercial efforts to promote the Product so as
                  to achieve, at a minimum, the performance standards set out in
                  paragraph 16 below; and

         (b)      perform its obligations as SCTN's agent in a proper, efficient
                  and business-like manner and at a professional standard at
                  least equal to current industry standards; and

         (c)      provide post-sales support to Customers which shall include
                  the performance of formal business reviews in accordance with
                  Schedule "E" hereto and liaison services between SCTN and the
                  Customer in respect of any Product or business process issues.

Provided that TJ is dedicating such reasonable time and attention to the
marketing and sale of Products, TJ shall be free to pursue other activities
during the term of this Agreement.

TJ shall have no liability to SCTN on account of any alleged errors of judgment
made in good faith in connection with the performance by TJ of its obligations
hereunder.

MINIMUM PERFORMANCE STANDARDS

16. (a) Minimum performance standards for the first five (5) years following
execution of this Agreement are set out in Schedule "F" hereto. For greater
certainty, all references to "clients" in Schedule "F" mean Qualifying
Customers.

TJ acknowledges and agrees that failure to achieve the minimum performance
standards, during such period, within one (1) year following completion of the
associated Milestone shall give SCTN the right to modify TJ's appointment in
such market to make it non-exclusive. To be effective, such right must be
exercised by SCTN in writing within sixty (60) days of the expiration of the one
(1) year period.

(b) TJ acknowledges and agrees further that failure to make sales of Product to
a Qualifying Customer in any Exclusive Market within two (2) years following
General Release shall give SCTN the right to modify TJ's appointment in such
market to make it non-exclusive. To be effective, such right must be exercised
by SCTN in writing within sixty (60) days of the expiration of the two (2) year
period.

(c) In the event that SCTN exercises its right to rescind TJ's exclusivity
rights in any Exclusive Market, Schedule "C" will automatically be revised to
delete reference to the subject market. The revised schedule will supercede the
previous version and will be appended to this Agreement and become an integral
part hereof.

MARKET FEEDBACK

17. TJ and SCTN agree to hold regular feedback meetings about marketing efforts
and customer reactions to the Product.

SCTN's OBLIGATIONS

18. SCTN will provide TJ, at no cost to TJ, with demonstration versions of the
Product, any available collateral material to support TJ's sales efforts
(including collateral material in electronic format), and all existing and
future sales and promotional literature, as well as technical manuals and
operating instructions. In addition, SCTN will provide TJ with business cards
and email addresses for TJ's staff. SCTN will also be responsible for providing
pre- and post-sale technical support to Customers.

                                       5
<PAGE>

PRICE AND TERMS

19. TJ agrees to solicit orders for the Product using SCTN's pricing as more
particularly described in Schedule "G" hereto.

SCTN acknowledges that TJ has raised concerns with regard to SCTN's current
pricing. SCTN agrees to meet with TJ within ninety (90) days from the date of
this Agreement to review current product pricing with a view to bringing same in
line with market tolerance.

Any change to the SCTN rate card shall result in a revised Schedule "G". The
revised schedule will supercede any previous version and will be appended to
this Agreement and become an integral part hereof.

20. SCTN's then-current pricing shall apply to any Product (or component) not
specifically identified in Schedule "G".

21. Credit terms, sales programs and other terms and conditions governing
transactions between SCTN and its customers shall be those adopted by SCTN from
time to time, acting reasonably.

PRODUCT ORDERS

22. TJ has authority to solicit orders only and has no authority to accept
orders. All orders solicited by TJ shall be subject to acceptance by SCTN,
provided however that SCTN must act reasonably in determining whether to accept
orders procured by TJ.

SCTN, acting reasonably, reserves the right to determine the acceptability of
any Customer or any Product order from a credit, financial, legal or any other
standpoint. Provided that it has acted reasonably in reaching its decision,
SCTN's failure to accept a Customer or Product order, or its failure or delay in
the performance of any contract once accepted, shall not operate to give or
create in TJ any claim for damages or cause of action of any kind against SCTN
or any employee or officer thereof.

COMPENSATION

23. For each sale made to a Customer, TJ shall be entitled to a commission
determined in accordance with a separate Commission Schedule to be prepared by
and initialed by the parties from time-to-time and which shall be considered to
govern the terms of compensation by Customer to TJ under this agreement.

SCTN shall not be responsible for nor will it provide any part of TJ's expenses.

Fees due to TJ shall be calculated net of all applicable taxes.

In no event will any commission be paid to TJ on orders procured from potential
customers who are not accepted by SCTN, or on orders procured by TJ from
Protected Customers (unless SCTN has previously agreed that TJ may solicit
orders from such Protected Customers).

PAYMENT

24. SCTN will invoice Customers directly for the Product sold and payment
therefor will be made by each Customer directly to SCTN. Under no circumstance
will SCTN invoice TJ for customer orders, and TJ shall not receive or accept any
payments directly from any Customer.

                                       6
<PAGE>

25. SCTN will pay TJ any and all commissions owing on a sale within ten (10)
days of receipt by SCTN of payment (or part payment) from the Customer.

26. All commissions due at the time of termination of this Agreement shall be
paid within thirty (30) days of termination, and commissions that become due
after termination shall be paid within thirty (30) days of the date on which
such commissions become due.

COLLECTION OF OUTSTANDING INVOICES

27. SCTN recognizes that it is responsible for the collection of any outstanding
invoices but TJ will provide SCTN with reasonable assistance in resolving any
account management issues that may be impeding payment.

FURTHER INCENTIVES

28. In recognition of the value being brought to SCTN's business by TJ, SCTN
will issue to TJ SEC 144 Restricted common shares in SCTN's capital stock (the
"Shares"), and options to acquire Shares, as follows:

         (a)      6,400,000 shares, upon execution of the first order for
                  Products procured by TJ from a Qualifying Customer; and

         (b)      that number of share options (the "Options") calculated in
                  accordance with the matrix forming part of Schedule "F" hereto
                  (provided, however, that once total equity plus options paid
                  to TJ equals 20% or more of SCTN, this amount may be paid in
                  cash at the option of SCTN).

                  For greater certainty, Options shall only be granted in
                  respect of orders procured from Qualifying Customers.

                  All Options shall vest immediately upon receipt by SCTN of not
                  less than fifty percent (50%) of the Upfront Fees charged to
                  the Qualifying Customer and must be exercised within five (5)
                  years of the vesting date.

                  The exercise price of an Option shall be equal to the average
                  trading price of the shares of SCTN in the thirty (30) day
                  period immediately preceding the date upon which the Customer
                  order in respect of which the grant has been made is signed.

For greater certainty, the Share and Option consideration contemplated by this
paragraph is in addition to commissions payable to TJ pursuant to paragraph 23.

29. Effective control of SCTN shall not be changed unless the controlling
shareholder(s) or Board of Directors of SCTN, as appropriate (collectively, the
"Offeror") shall have received a bona fide written offer (the "Purchase Offer")
which the Offeror desires to accept from an independent third party dealing at
arm's length with the Offeror (the "Proposed Transferee") to purchase shares of
the Offeror (the "Offered Shares") and, unless within ten (10) days after
receipt of notice of the Purchase Offer, TJ shall fail to agree to purchase the
Offered Shares for equivalent consideration and on substantially the same terms
and conditions offered by the Proposed Transferee.

30. In the event that the Offeror receives a Purchase Offer pursuant to
paragraph 29 above and wishes to accept the Purchase Offer, and if TJ has not
exercised its right pursuant to paragraph 29 to purchase all of the Offered
Shares, TJ shall have the right, at its option, to require that all but not less
than all of its Shares be sold to the Proposed Transferee on terms and
conditions at least as favourable to TJ as those contained in the Purchase
Offer, and, if the Proposed Transferee refuses to purchase all of TJ's then no
shares in the capital stock of SCTN may be sold to the Proposed Transferee. In
the event that TJ exercises its rights under this paragraph to have all of its
Shares acquired by the Proposed Transferee, TJ shall also have the right to
exercise all vested but unexercised Options with immediate effect so that the
Proposed Transferee shall also be obliged to acquire the shares resulting from
such exercise.

                                       7
<PAGE>

31. In the event that SCTN shall at any time during the term of this Agreement
issue or agree to issue additional shares (the "Additional Issue"), TJ shall
have the right to subscribe for a pro rata share of such Additional Issue at the
prescribed price per share. The foregoing pre-emptive rights in favour of TJ
shall not apply in the event of corporate reorganizations or acquisitions
approved by the stockholders of SCTN, issuance of stock by SCTN for non-cash
consideration, employee benefit options and similar awards.

REPRESENTATIONS & WARRANTIES

32. SCTN hereby represents and warrants to TJ as follows, and acknowledges and
agrees that TJ is relying upon such representations and warranties in entering
into this Agreement:

         (a)      Intellectual Property Matters - as at the date hereof, SCTN
                  has the entire right, title and interest in and to, or has the
                  exclusive perpetual royalty-free right to use and exploit the
                  Patent and all other processes, know-how, show-how, formulae,
                  trade secrets, inventions, discoveries, improvements,
                  blueprints, specifications, drawings, designs, and other
                  proprietary rights necessary or applicable to or advisable in
                  connection with the Product free and clear of all
                  encumbrances.

                  The Patent is valid and not the subject of any interference,
                  opposition, re-examination or cancellation.

                  There are possibly current infringers of the Product, who may
                  be likely sales prospects for the Product.

                  SCTN is not infringing upon the intellectual property rights
                  of any other person; and

         (b)      Securities Matters - (i) the authorized capital stock of SCTN
                  consists of 200,000,000 shares of common stock. The Shares and
                  Options to be issued to TJ pursuant to this Agreement will be
                  duly authorized, validly issued, fully paid and nonassessable
                  and not subject to pre-emptive rights created by statute,
                  SCTN's articles of incorporation or bylaws as currently in
                  effect or any agreement to which SCTN is a party or is bound

                  (ii) neither the execution and delivery of this Agreement, the
                  consummation of the transactions contemplated hereby nor the
                  compliance with or fulfillment of the terms, conditions or
                  provisions hereof will: (1) contravene any provision of SCTN's
                  articles of incorporation or bylaws as currently in effect, or
                  (2) violate any law or any judgment or order of any
                  governmental body to which SCTN is subject or by which any of
                  its assets may be bound or affected. Except for listing of the
                  Shares on the PINK SHEETS(TM) OTC centralized quotation
                  service, no consent, approval or authorization of, or
                  registration or filing with, any person is required in
                  connection with the execution or delivery by SCTN of this
                  Agreement or any other agreements to which SCTN is a party or
                  the consummation by SCTN of the transactions contemplated
                  hereby or thereby;

                                       8
<PAGE>

                  (iii) the currently issued and outstanding shares of SCTN are
                  listed and posted for trading on the PINK SHEETS(TM) OTC
                  centralized quotation service;

                  (iv) no order ceasing or suspending trading in securities of
                  SCTN or prohibiting the sale of securities by SCTN has been
                  issued; and

                  (iv) upon issue, the Shares will not be subject to any "hold
                  period" under applicable securities laws except as may be
                  provided for under Rule 144 of the Securities Act, 1933, as
                  amended.

33. TJ will make the usual US Securities Act and corresponding Ontario
investment representations as a condition precedent to acquiring any securities
in order to rely on exemptions from registration for issuing the securities.

INDEMNIFICATION

34. SCTN agrees to indemnify and hold harmless TJ, its directors, officers,
employees and agents from and against any and all loss, damages, claims,
liabilities, causes of action or expense, including reasonable legal fees, for
damages arising out of any actual or alleged breach by SCTN of the warranties
and representations, express or implied, made by SCTN in this Agreement or
arising out of any breach by SCTN of any other obligation of SCTN hereunder or
otherwise attributable to it or any of its employees or agents under the terms
of this Agreement

35. TJ agrees to indemnify and hold harmless SCTN, its directors, officers,
employees and agents from and against any and all loss, damages, claims,
liabilities, causes of action or expense, including reasonable legal fees, for
damages arising out of any actual or alleged breach by TJ of the warranties and
representations, express or implied, made by TJ in this Agreement or arising out
of any breach by TJ of any other obligation of TJ hereunder or otherwise
attributable to it or any of its employees or agents under the terms of this
Agreement

36. SCTN agrees to indemnify and hold harmless TJ, its directors, officers,
employees and agents from and against any and all loss, damages, claims,
liabilities, causes of action or expense, including reasonable legal fees, for
damages arising out of any actual or alleged patent infringement related to the
Patent.

37. Both SCTN and TJ agree to a mutual waiver of incidental, punitive or
exemplary damage.

38. Damages due to TJ's for any breach of this Agreement by SCTN will be limited
to TJ's direct damages.

TERM OF AGREEMENT

39. This Agreement will be without fixed term and will remain in force and
effect unless terminated in accordance with the express terms hereof, or upon
mutual written agreement of the parties.

                                       9
<PAGE>

TERMINATION

40. SCTN may terminate this Agreement with immediate effect for any of the
following reasons by giving notice to TJ in the event of:

         (a)      the insolvency of, or institution of bankruptcy,
                  reorganization or other similar proceedings by or against TJ;
                  or

         (b)      the conviction of TJ of any crime which, in SCTN's judgment,
                  may adversely affect TJ's performance of its obligations under
                  this Agreement or tend to harm the goodwill and reputation of
                  SCTN.

41. In addition to any other remedies a party may have pursuant to this
Agreement, at law or in equity, either party may terminate this Agreement upon
any of the following occurrences:

         (a)      the other party is in default of its payment obligations
                  hereunder and such default continues for ten (10) days
                  following receipt of written notice, or

         (b)      if the other party is in default of any other obligation
                  hereunder and such default continues for thirty (30) days
                  following receipt of written notice.

42. The termination of this Agreement for any reason shall not release either
party from any obligation which accrued prior to such termination and shall not
affect any of the provisions of this Agreement which are to continue in force
after its termination. Upon termination of this agreement, TJ will lose all
rights to exclusivity granted hereunder.

CONFIDENTIALITY

43. During and after the term of this Agreement, TJ shall maintain in strict
confidence all information disclosed to it by SCTN or others, including but not
limited to all price and marketing information, customer lists, technical
information and data, and other information of a like or similar nature relating
to SCTN's products or the sale or distribution thereof. TJ shall obtain similar
covenants from all employees engaged by it in performing its duties hereunder
and shall be jointly and severally liable with any such employee who breaches
said covenants.

ASSIGNMENT & SUBCONTRACTING

44. TJ has the right to appoint subcontractors to assist it in fulfilling its
obligations and to assign its rights and obligations hereunder, in whole or in
part, to any person provided that SCTN may require any such subcontractor or
assignee execute a confirmation to the effect that such person is not acquiring
any rights which are greater than those granted to TJ hereunder.

Save and except as expressly provided above, neither party shall be entitled to
assign this Agreement, or any interest herein without the prior written consent
of the other.

PUBLICITY

45. No disclosure with respect to the matters contemplated by this Agreement
shall be made without the mutual agreement of the parties. Without limitation on
the generality of the foregoing, all public notices to third parties, press
releases and all other publicity concerning the transactions contemplated by
this Agreement shall be subject to the mutual agreement of the parties.

                                       10
<PAGE>

GENERAL

46. (a) It is understood and agreed by the parties hereto that this instrument
constitutes the entire agreement between the parties hereto and supersedes all
prior or contemporaneous agreements, written or oral of every sort. SCTN hereby
specifically advises SCTN that any representations inconsistent with the terms
and conditions contained herein made by any officer, agent or employee of SCTN
are wholly unauthorized and specifically repudiated.

(b) No modification or waiver of, addition to, or deletion from the terms of
this Agreement shall be effective unless reduced to writing and signed by SCTN
and TJ.

(c) If any term or provision of this Agreement shall to any extent be held by a
court or other tribunal to be invalid, void or unenforceable, then that term or
provision shall be inoperative and void insofar as it is in conflict with law,
but the remaining terms and provisions shall nevertheless continue in full force
and effect and the rights and obligations of the parties shall be construed and
enforced as if this Agreement did not contain the particular term or provision
held to be invalid, void or unenforceable

(d) This Agreement shall be governed by and construed in accordance with the
laws of the state of Utah, County of Salt Lake. The courts of competent
jurisdiction in the county of Salt Lake shall have exclusive jurisdiction in the
event of any litigation between the parties with respect to any matter or
dispute arising out of this Agreement, and both parties agree to attorn to the
exclusive jurisdiction of such courts.

The provisions of the United Nations Convention on Contracts for the
International Sale of Goods shall not apply to this Agreement.

(e) This Agreement is binding upon and shall enure to the benefit of the parties
hereto and their respective heirs, executors, legal representatives, successors
and permitted assigns.

(f) This Agreement shall not be binding upon SCTN until signed for SCTN by its
duly authorized officer or employee, and approved by the SCTN Board of
Directors. Unless, at or before 8:00 p.m. EST on September 23, 2003, SCTN has
provided TJ with written advice that SCTN Board of Directors has rejected this
Agreement, this Agreement shall be binding upon SCTN.

The parties understand and agree that the foregoing condition is included for
the exclusive benefit of SCTN and may be waived in writing by SCTN.

(g) No agent or representative of SCTN has any authority to vary the terms and
conditions contained herein or to make any representation, statement, warranty
or agreement not expressed herein.

COUNTERPARTS

47. This Agreement may be executed in any number of counterparts (including,
facsimile counterparts) each of which shall constitute an original and all of
which, taken together, shall constitute one and the same agreement.

                                      *****

                                       11
<PAGE>

If the foregoing terms are acceptable to you, we would ask that you sign the
enclosed duplicate copy of this letter and return it to us by fax at your
earliest opportunity.

We are very pleased to have you on board and look forward to a long and
mutually-beneficial relationship.

                                    Yours truly,
                                    SCHIMATIC CASH TRANSACTION NETWORK.COM, INC.

                                    /s/ David Simon

AGREED as of the ___ day of
September, 2003.

                                    THOMAS JACKSON PERFORMANCE
                                    MANAGEMENT HOLDINGS INC.

Per: /s/ Nik Korakianitis

                                       12
<PAGE>

                                  Schedule "A"

                               Product Description

e-llegiance(TM)

1.  Flexible, rule-based Loyalty engine
2.  Integrates with POS payment software
3.  Tender Independent - cash, check, mag-stripe cards, smart cards
4.  Merchant Coalitions or individual clients
5.  Automatic download of new programs to POS terminals
6.  Delivers transactions to LoyaltyCentral(TM)via payment switch, telecom or
    any wireless technology
7.  Dynamic awards and redemptions
8.  On-Card Database allows program to be added dynamically
9.  Number of programs restricted only by amount of memory on chip
10. Not limited by initial load size
11. Runs on LoyaltyCentral(TM)to support non-smart transactions
12. Interoperability through Global Platform, MULTOS, and EMV Compliance
13. Internationalization based on any Currency, Multiple language support,
    selectable by Cardholder, Merchant, or Program Manager.

LoyaltyCentral(TM)

1.  Turnkey Solution
2.  Back-end clearing operation
3.  Rule-based Loyalty engine
4.  Co-developed with IBM
5.  Written in Java and SQL, Websphere, Struts, MQ Message Server
6.  Powerful DB2 database with Linux operating system
7.  Hosts single or multiple clients
8.  Communications Gateway accepts transactions from any source
9.  Transaction Manager determines if transaction has been pre-calculated
10. Outbound Application Interfaces to feed information to external systems

                              Communication Gateway

1. Entrance to LoyaltyCentral(TM)
2. Continuously running
3. Accepts incoming transaction batches of all types from any source
4. Holds all transactions in suspense until batch balances or has been corrected
5. Fully scalable to any magnitude of processing power
6. Hosts single or multiple clients
7. Hosted at client site or by SCTN at IBM's data center facilities

                               Transaction Manager

1. Determines if Loyalty and/or Cause have been pre-calculated
   a. At Point Of Sale by e-llegiance(TM) engine
   b. By outside source from Inbound Transaction Interface
2. If pre-calculated, it is posted to the customer's account
   a. Backup.
   b. Replace a lost or stolen card.
3. If not pre-calculated, Loyalty/Cause is calculated by back-end Loyalty Engine
   a. Based on Customer and Loyalty Program data stored in LoyaltyCentral(TM)
      database.
   b. Results stored in Customer's Account and Transaction History record

                                      A-1
<PAGE>

                             Application Interfaces

1. Available to feed required information to other Loyalty Processors, external
   client systems, etc.
2. 2-way interfaces for data synchronization with Card and Terminal Management
   Systems, etc.
3. Statement feeds for transmission to Card Issuer, for combining with
   Credit/Debit Card statements
4. Electronic Disbursement feeds can be sent to Program Manager or Issuing Bank
5. Redemption/Fulfillment Feeds
6. Data Warehouse Feeds

                                   Settlement

1. Automatically initiated
2. Transactions reconciled and appropriate data gathered for all parties
3. Statement feeds for transmission or produced by LoyaltyCentral(TM)
4. Statements and reports printed or delivered by email or posted to
   LoyaltyCentral.com(TM)
5. Access authority and retention periods controlled by Program Manager

                                  Disbursement

1. Disbursement of funds to beneficiary organizations
2. Invoicing of merchants for required contributions
3. Paper invoices and checks can be produced
4. Electronic feeds can be sent to Program Manager or Issuing Bank
5. Distributions can be fully automatic via electronic interface to national
   clearing association (ACH in USA)

                                   Redemption

1. Redemption Transactions at POS
   a. As part of Payment
   b. Separate Transactions
2. Inbound Redemption Feeds to LoyaltyCentral(TM)
3. Outbound Fulfillment Feeds from LoyaltyCentral(TM)
4. On-Line Redemption Catalogs on Client Website or through 3rd Party
   Affiliations

LoyaltyCentral.com(TM)

1.  Easy to use, intuitive interface
2.  Secure public access to LoyaltyCentral(TM)over the Internet
3.  Brand Reinforcement by embedding into client's website
4.  Reporting copy of LoyaltyCentral(TM), protected by firewalls
5.  Data administration performed from any location
6.  Access and authorities assigned and maintained by Program Manager
7.  Define and modify loyalty programs
8.  Add and maintain merchant, terminals, cardholder, etc.
9.  Standard reports printed locally or retained in electronic format
10. Redemption catalogs through 3rd party affiliations
11. Data mining or data feeds to existing data warehouse

                                      A-2
<PAGE>

                                  Schedule "B"

                               Protected Customers

                                   Aristocrat
                                      Aztar
                                 Ramada Express
                                      Cubic
                                     CDSNet
                                 VeriFone Mexico
                                       IBM
                                   MasterCard
                                    G&D Cards
                                  Schlumberger
                                   ISmart/Zoom
                                      Oasis
                                     Cardis
                                    Ingenico
                                     Dyncom
                             Merchant Service Group
                                    Wexpoints
                                   Chase Bank
                                    Citibank
                                 Household Bank
                                     Itochu
                                    Sumitomo
                                     Hitachi
                                    ANZ Bank
                               Softcard Solutions
                                   CEO America
                                       EDS
                                   Fleet Bank
                                American Express
                            Golden Retriever Systems

                                      B-1
<PAGE>

                                  Schedule "C"

                                Exclusive Markets

                                    Australia
                                     Canada
                                      Japan
                                     Mexico
                                  United States

                                      C-1
<PAGE>

                                  Schedule "D"

The Product, to qualify for the Milestones listed below, need only to contain
those features listed in Schedule A that are necessary for the initial Clients.

                                   Milestones

Product Completion - the Product is finished and tested to the furthest extent
without any live test sights and has been signed off by the SCTN product
development team. It is ready to be delivered to the first Alpha Test client.

Alpha Test - the Product is successfully installed and live in one client
processing transactions and performing without any major problems.

Beta Test - the Product is successfully installed and live in more than one
client processing transactions and performing without any major problems.

General Release - the Product has performed through Beta Test without any
outstanding major issues and is now ready for full release status.

                                      D-1
<PAGE>

                                  Schedule "E"

                               After Sales Service

   Revenue Represented by Client      Formal Reviews Required Annually
----------------------------------- --------------------------------------------
          $0 to $1 million                           1
      $1,000,001 to $2 million                       2
      $2,000,001 to $3 million                       3
       $3,000,001 and greater                        4
----------------------------------- --------------------------------------------

 A minimum of one formal review is required for each customer regardless of
size.

                                      D-1
<PAGE>

                                  Schedule "F"

                          Minimum Performance Standards

                  Minimum          Step 1           Step 2          Step 3
              ---------------- --------------- ---------------- ----------------
                 5% Options      7% Options      12% Options      15% Options
------------- ---------------- --------------- ---------------- ----------------
Year 1*           1 client        2 clients       3 clients       4+ clients
------------- ---------------- --------------- ---------------- ----------------
Year 2**         2 clients        4 clients       6 clients       8+ clients
------------- ---------------- --------------- ---------------- ----------------
Year 3***        4 clients        8 clients       11 clients      14+ clients
------------- ---------------- --------------- ---------------- ----------------
Year 4****       6 clients       10 clients       14 clients      18+ clients
------------- ---------------- --------------- ---------------- ----------------
Year 5           8 clients       12 clients       18 clients      22+ clients
------------- ---------------- --------------- ---------------- ----------------

*        the quota assigned to TJ will begin its first year clock upon Product
         Completion and signed off
**       Alpha Test must be complete before Year 2 begins
***      Beta Test must be complete before Year 3 begins
****     the Product must be in General Release status before Year 4 begins

                                      F-1
<PAGE>

                                  Schedule "G"

                                     Prices

                                      G-1

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