Document:

Exhibit 10.04

                              EMPLOYMENT AGREEMENT

I.       This agreement is executed this 28st day of July, 2003 and made
         effective as of August 1, 2003 ("Effective Date"), between Schimatic
         Cash Transactions Network.com, Inc., a Florida corporation ("Employer"
         or "Company"), and Bernard F. McHale ("McHale" or "Employee") and
         (collectively the "Parties").

II.      RECITALS

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

         B.       Employer's current headquarters office ("Corporate Office") is
                  located at 330 E. Warm Springs Rd., Suite , Las Vegas, NV
                  89119.

         C.       Company recognizes that McHale has played a key role, and will
                  continue to play a key role, in the establishment of both
                  fiscal and administrative policy areas that has allowed the
                  Company to move forward as a going concern and as a stabilized
                  and viable force in the marketplace, and that, without the
                  continued contribution of McHale's input in these areas, the
                  Company's chances of success would be diminished.

         D.       Company desires to ensure the continued involvement of McHale,
                  and is therefore entering this Employment Agreement for McHale
                  to serve as CFO and Vice President of Administration reporting
                  to the Chief Executive Officer.

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

III. AGREEMENT.

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

         A.       Employment. The Employer agrees to employ McHale as CFO and
                  Vice President of Administration on the terms set forth
                  herein. McHale accepts such employment and agrees to work full
                  time and use his best efforts in performing services for the
                  Employer.

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

DJS  /s/ DJS                       Page 1 of 7                     SCTN  /s/ DJS
<PAGE>

                       McHale Employment Agreement (Cont.)

         C.       Terms & Salary. Employee's current salary will be one dollar
                  ($1) per month. Except as provided herein, the term of this
                  Agreement shall be for a period of six (6) months commencing
                  on the Effective Date, from 1 August 2003 until January 31,
                  2004 and will automatically renew for one (1) month at a time,
                  every month, unless employee receives a notification by the
                  employer that his services are no longer required.

         D.       Place of Work. At the present time, the Company intends to
                  maintain its fiscal and administrative records at its
                  operational office center at 7190 South State, Ste., # 216 in
                  Salt Lake City, Utah, 84047. Employee's principal place of
                  business is the Las Vegas Office at 330 E. Warm Springs Road
                  Las Vegas, NV. 89119 and is the company `s home office. Should
                  the Company decide to relocate the home office outside of Las
                  Vegas, then his principal office shall be his home office, for
                  which Company agrees to provide all equipment and supplies
                  deemed necessary by the Employee for the fulfillment of his
                  duties. Notwithstanding the foregoing, Employee agrees to
                  travel, as deemed necessary, to the Company's Operations
                  Office Center and any other locations necessary for the
                  fulfillment of his duties. The expenses associated with such
                  travel shall be reimbursed by the Company. The Company agrees:

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

DJS  /s/ DJS                       Page 2 of 7                     SCTN  /s/ DJS
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                       McHale Employment Agreement (Cont.)

                           c.       Commuting and Relocation Expenses. Employer
                                    shall reimburse McHale for all reasonable
                                    business expenses including: travel and
                                    lodging for commuting to the Company's
                                    Corporate Office in Nevada and Operations
                                    Center located at 7190 South State, Ste., #
                                    216, in Salt Lake City Utah, 84047, or
                                    anywhere to which either may be relocated.
                                    The Company also agrees to pay the moving
                                    allowance to the Corporate Office or new
                                    Operations Center Location (s) as described
                                    in Section (E) above.

                           d.       Business Expenses. The Employer shall pay
                                    the actual and normal expenses incurred by
                                    Employee for the benefit of the Employer in
                                    performing his duties as CFO and Vice
                                    President of Administration of the Employer
                                    in accordance with the Employer's expense
                                    reimbursement policy, as adopted from time
                                    to time. At the option of Employee, any
                                    portion of any expenses due to Employee
                                    remaining unpaid after one hundred eighty
                                    (180) days from when it was incurred, may be
                                    converted to stock options as described
                                    below, credited, or converted to any
                                    deferred compensation package or investment
                                    offering that the company may be offering at
                                    that time. If converted to stock or stock
                                    options, the number of stock or stock
                                    options will be calculated at the
                                    pre-reverse 5 cents ($.05) per share,
                                    divided into the amount due. The strike
                                    price of the stock or stock options will be
                                    at the pre-reverse 5 cents ($.05) per share.
                           e.       Vacation. McHale shall be entitled to
                                    vacation benefits in accordance with the
                                    employer's vacation policy, as currently
                                    stated or as increased in the future, at the
                                    maximum level of accrued and unused vacation
                                    benefits which Employer's executives or
                                    employees are permitted to accrue in
                                    accordance with the Employer's personnel
                                    policies.
                           f.       Sick Leave/Personal Leave. McHale shall be
                                    entitled to sick leave and personal leave
                                    benefits in accordance with the Employer's
                                    personnel policies, as adopted from time to
                                    time.

DJS /s/ DJS                        Page 3 of 7                     SCTN  /s/ DJS
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                       McHale Employment Agreement (Cont.)

                           g.       Accrual Year. Any of the benefits provided
                                    under this Agreement or under Employer's
                                    personnel policies generally which are
                                    accrued on a "per year" basis, are deemed to
                                    accrue during each of Employer's fiscal
                                    years in accordance with Employer's
                                    personnel policies applicable to its
                                    employees generally. Any benefits accruing
                                    from the Effective Date of hire through the
                                    end of the current fiscal year will be
                                    prorated for such year.
                  2.       Indemnity. Employer shall indemnify McHale to the
                           maximum extent permissible under law as an agent,
                           Director, and Officer for acts taken by him during
                           the Term on behalf of Employer provided such acts are
                           taken in good faith and in what is in the best
                           interest of Employer.
                  3.       Directors' and Officers' Insurance. Employer agrees
                           to obtain and maintain a policy of directors and
                           officers insurance covering Employee's acts as a
                           Director or Officer, as the case may be and as may be
                           limited by the terms of any such insurance policy, in
                           a face amount of no less than ONE MILLION DOLLARS
                           ($1,000,000.00).
                  4.       Termination.
                           a.       Termination as a result of a change of
                                    control or for good cause. This Agreement is
                                    terminable prior to the expiration of the
                                    Term, in the manner and to the extent set
                                    forth in this section 6.
                           b.       Death, Disability or Resignation During
                                    Term. This Agreement shall automatically
                                    terminate upon the death of Simon or
                                    Employee's voluntary resignation during the
                                    Term. The Employer or Simon may terminate
                                    this Agreement upon reasonable determination
                                    of Employee's total disability. As used
                                    herein, total disability means Employee's
                                    inability to perform his normal and usual
                                    duties as the fiscal and/or administrative
                                    employee of the Employer due to physical
                                    disability or physical or mental illness for
                                    a period of ninety (90) consecutive calendar
                                    days.
                           c.       Termination for Cause. The Employer may
                                    terminate this Agreement immediately, and
                                    except as otherwise set forth below, without
                                    prior notice, for "Cause" which shall mean:

                                    i.       Employee's excessive use of alcohol
                                             or illegal drug abuse;
                                    ii.      Any material dishonest act by
                                             McHale relating to the Employer's
                                             business;
                                    iii.     Any intentional act by McHale that
                                             would be materially detrimental to
                                             the business or reputation of the
                                             Employer;
                                    iv.      Employee's rendering any services
                                             to a firm or entity which does
                                             business in a field competitive
                                             with the business of Employer
                                             except as may be expressly
                                             authorized in writing pursuant by
                                             the Board, or

DJS /s/ DJS                        Page 4 of 7                      SCTN /s/ DJS
<PAGE>

                       McHale Employment Agreement (Cont.)

                                    v.       Employee's substantial failure to
                                             perform the material services
                                             contemplated by this Agreement, it
                                             being understood and agreed that
                                             the Employer must give McHale
                                             notice of such failure by the
                                             Employer and not less than sixty
                                             (60) days with in which to cure
                                             such failure before invoking the
                                             provisions of this subparagraph v.
                                             in terminating Employee.
                           d.       Without Cause or from Change of Control. The
                                    Employer may terminate this Agreement during
                                    the Term without Cause upon giving sixty
                                    (60) days prior written notice of such
                                    termination. Such notice is deemed to be
                                    given in the event of change of control as
                                    described in section 11 below.

         7.       Severance Pay. If Employee's employment terminates due to his
                  death, disability or by Employer notice without cause as
                  described in Section 6 above at any time prior to the Term,
                  Employer will pay to McHale or his legal designee(s), an
                  amount equal to his annual Base Salary ("Severance Pay") and
                  will immediately pay all outstanding expenses and loans due to
                  McHale from the Company if there are sufficient funds to pay
                  these items; otherwise, these expenses and loans will be paid
                  out over a twelve (12) month period and will earn a fifteen
                  (15%) rate of interest until fully paid. Any vesting rights in
                  any Stock Option Plan agreed to pursuant to Section 4 hereof
                  shall continue to accrue for a 36 month period following such
                  termination.

         8.       No Severance Pay upon Resignation. It is expressly understood
                  and agreed that McHale (or his personal representative, as the
                  case may be) shall not be entitled to any Severance Pay if he
                  resigns during the Term, but will immediately be paid all
                  outstanding expenses and loans due from the Company if
                  sufficient funds are available to pay these items; otherwise,
                  these outstanding expenses and loans will be paid out over a
                  twelve (12) month period and will earn a fifteen (15%) percent
                  rate of interest until fully paid. At the option of Employee,
                  all or any portion of these expense or loans may be converted
                  to stock options as described below. If converted to stock
                  options, the number of stock options will be calculated at the
                  at the pre-reverse 5 cents ($.05) per share, divided into the
                  amount due. The strike price of the stock or stock options
                  will be at the pre-reverse 5 cents ($.05) per share.

         9.       Manner of Payment of Severance Pay. Any Severance Pay
                  hereunder will be paid at such intervals and in the manner
                  dictated by the Employer's normal pay practices but not to
                  exceed 90 days after severance.

         10.      Notice of Termination. The Employer shall give McHale notice
                  of the termination of this Agreement pursuant to sub-section
                  b-d of this Section 6 and, except as otherwise provided
                  herein, the termination of this Agreement shall be effective
                  upon the giving of such notice

DJS /s/ DJS                        Page 5 of 7                      SCTN /s/ DJS
<PAGE>

                       McHale Employment Agreement (Cont.)

         11.      Change of Control. As used in this section, the term "change
                  of control" means and refers to:

                  a.       Any merger, consolidation, or sale of the Company
                           such that any individual, entity or group (within the
                           meaning of section 13 (d) (3) or 14 (d) (2) of the
                           Securities Exchange Act of 1934, as amended (the
                           "Exchange Act")) acquires beneficial ownership,
                           within the meaning of Rule 13d-3 of the Exchange Act,
                           of 20 percent or more of the voting common stock of
                           the Company or its subsidiary
                  b.       Any transaction in which the Company sells all or
                           substantially all of its assets; A dissolution of
                           liquidation of the Company; or
                  d.       The Company becomes a non-publicly held company.
                  e.       A "change of control" as used in this section does
                           not include a direct capital investment in the
                           company. At the option of Employee, this agreement
                           will continue in full effect with, and be binding
                           upon, any successor organization following a Change
                           of Control.

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

V.       Arbitration. Any controversy or claim arising out of or relating to
         this agreement, or breach of this agreement, shall be settled by
         binding arbitration in accordance with the Commercial Arbitration Rules
         of the American Arbitration Association and judgment on the award
         rendered by the arbitrators may be entered in any court having
         jurisdiction. Within five (5) business days after a demand has been
         made to arbitrate a dispute, the parties will meet and attempt to agree
         on a single arbitrator. If the parties are unable to agree on a single
         arbitrator, then each party shall, before the expiration of such five
         (5) day period, designate an arbitrator. Within (30) additional
         business days thereafter the two arbitrators shall select a third
         arbitrator. If for any reason they cannot agree on a third arbitrator,
         they may apply to the Utah Superior Court for the name of a neutral
         party. The three arbitrators shall hear all the evidence, and a
         majority vote shall set the award of the arbitrators. Each party shall
         pay the fees of the arbitrator he or it selects and of his or its own
         attorneys, and the expenses of his or its witnesses and all other
         expenses connected with presenting his or its case. Other costs of the
         arbitration, including the cost of any record or transcripts of the
         arbitration, administrative fees, the fee of the third arbitrator, and
         all other fees and costs, shall be borne equally by the parties.
         Notwithstanding the foregoing, the arbitrators may award reasonable
         attorneys' fees and costs to the prevailing party in their award.

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

DJS /s/ DJS                        Page 6 of 7                      SCTN /s/ DJS
<PAGE>

                       McHale Employment Agreement (Cont.)

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

VIII.    Controlling Law. This Agreement is entered into in the State of Utah
         and shall be interpreted and controlled by the laws of the State of
         Utah, County of Salt lake.

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

            IN WITNESS WHEREOF, the parties hereto have executed this Agreement
on November 26th, 2003.

Employer: SCTN                                Employee: Bernard F. McHale
7190 South State, Ste., # 216                           7757 Foredawn Drive
Salt Lake City, Utah, 84047                             Las Vegas, Nevada, 89123

By: /s/ David Simon                           By: /s/ Bernard F. McHale
   ----------------------------                  ------------------------------
    David Simon                                  Bernard F. McHale
    Chairman and CEO                             CFO and VP of Administration

DJS /s/ DJS                        Page 7 of 7                      SCTN /s/ DJSExhibit 10.05

              ADDENDUM TO THE SIMON EMPLOYMENT AGREEMENT OF 8-01-02

         The following articles of the David Simon Employment Agreement
effective 8-01-2002 have been amended as of 7-28-2003:

         1. Under paragraph III. C. Terms and Salary, the length of the contract
has been extended an additional three (3) years and five (5) months, from
8-01-2003 to 12-31-2006. All other terms and conditions under this paragraph or
under any other paragraph of the original contract agreement effective 8-01-02,
except as noted below, remain the same with the understanding that no additional
stock options will be granted specifically by this contract agreement extension.

         2. Employee has the right to purchase stock rather then stock options
at the same five (.05) cents per share as noted and mentioned anywhere
throughout the contract concerning accrued salary, deferred salary, or expenses.

         3. Employee agrees to convert his back pay to stock or options, or take
cash payment from the Company, if the Company is able to pay, when the stock
closes at or above thirty five cents ($0.35).

         4. Under Paragraph III.F.4.Stock, Stock Options and Bonuses, all
reference to execution of Options by Non-Recourse Note are hereby deleted, in
compliance with the Sarbanes-Oxley Act of 2002. Offsetting compensation will be
negotiated at a future date.

         IN WITNESS WHEREOF, the undersigned parties hereto have executed this
Addendum Agreement on July 28th, 2003.

Schimatic Cash Transactions Network.com, Inc.    Employee: David Simon
330 E. Warm Springs R                                      2859 E. Wasatch Blvd.
Las Vegas, NV., 8911                                       Sandy, Utah, 84092

By: /s/ Bernard F. McHale                         By: /s/ David Simon
--------------------------------                     ---------------------------
Bernard F. McHale, CFO/Director                       David Simon, CEO/Director

DJS /s/ DJS                        Page 1 of 1                      SCTN /s/ DJS

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