Document:

Exhibit 10.33

                          Technical Services Agreement

                             dated November 12, 2001

                                     between

                      Smart Chip Technologies, LLC ("SCTN")

                                       and

                RTS Networks Group PLC ("RTSE" or "the Company")

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                                    CONTENTS

Section        Description                                               Page

1              TERM                                                       1

2              SERVICES TO BE PROVIDED                                    1

3              PAYMENT TERMS                                              2

4              TRAVEL ACCOMMODATIONS AND PLACE OF WORK                    3

5              SCOPE OF WORK AND MANAGEMENT )OF PROJECT                   3

6              TERMINATION OF AGREEMENT                                   3

7              CONFIDENTIALITY                                            3

8              NON-SOLICITATION                                           6

9              INTELLECTUAL PROPERTY OWNERSHIP                            6

10             NOTICES                                                    6

11             GENERAL                                                    7

12             GOVERNING LAW                                              7

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THIS AGREEMENT is made on November 12, 2001

BETWEEN

1.       SCTN, a holly owned subsidiary of Schimatic Cash Transactions
         Network.com, Inc. ("Schimatic") whose principal place of business is at

                  26800 Laguna Hills Drive, Suite 100
                  Aliso Viejo, California 92656

                  ; and

2.       RTSE, a company incorporated in the United Kingdom whose principal
         place of business is

                  at 80 Great Eastern Street
                  London EC2A 3jL

INTRODUCTION

SCTN desires to retain the services of RTSE and RTSE desires to provide services
as described below to SCTN under the terms and conditions of this agreement (the
"Agreement").

SCTN contemplates that certain funding arrangement may be made with UK
investors, the proceeds of which will be specifically for the purpose of funding
services provided by RTSE (the "UK Funding").

THE PARTIES AGREE as follows:

1.       TERM

         1.1      This Agreement shall commence on the date of this document
                  ("Effective Date") and last for a maximum period of eight
                  months (the "Term") unless earlier terminated pursuant to the
                  terms of this Agreement.

2.       SERVICES TO BE PROVIDED

         2.1      The RTSE shall provide the services of individuals, to work on
                  the project known as the `Loyalty Central Build-out', as more
                  fully described in Schedule 1 as specified by SCTN.

3.       PAYMENT TERMS

         3.1      RTSE has agreed to apply a reduced hourly contract rate for
                  services provided during the period until and for work

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                  performed by February 28, 2002, but only on condition that all
                  amounts billed for those periods under this agreement are paid
                  in full no later than 60 days from the date of billing.
                  Billing rates (without regard to any discount) for services
                  provided by type of consultant are shown on Schedule 2 of this
                  agreement. The reduced hourly contract rates will be at 25% of
                  the full billing rates.

         3.2      Billing will be done on the basis of hours worked and will
                  include only direct hours worked. The billing rates include
                  the burdens for overhead and general and administrative costs.
                  No hours associated with overhead or general and
                  administrative costs will be billed as direct hours worked.

         3.3      In the event that payments for November and December are not
                  paid in full as completed in the timeframe defined above, then
                  RTSE will apply full rates for the services that will have
                  been rendered during November and December as well as any
                  future services.

         3.4      In addition, RTSE has agreed for payment of services to be
                  deferred until SCTN has obtained funding that it is currently
                  seeking, on condition that this funding is acquired by
                  December 15th 2001.

         3.5      If SCTN is successful in obtaining additional funding,
                  including the UK funding, SCTN commits to immediate payment of
                  all service rendered and billed, at the discounted rate.

         3.6      If SCTN is successful in placing the UK funding, SCTN will
                  agree to negotiate a basis upon which it would pre pay
                  reasonably expected expenses.

         3.7      SCTN will agree to provide for or pay upon presentation of
                  appropriate invoices and support the costs described in
                  paragraph 4.1 below.

         3.8      In the event the UK funding is placed, SCTN will be entitled
                  to utilize portions of the UK funding not to exceed $20,000 to
                  offset amounts paid or due pursuant to paragraph 3.5 above.

4.       TRAVEL AND ACCOMMODATION, AND PLACE OF WORK

         4.1      By this agreement, SCTN commits to cover all operational,
                  travel and accommodation expenses for the individuals that are
                  providing the services, including all software, hardware or
                  other tools that might be required for the delivery of the

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                  service. RTSE will obtain approval for all expenditures
                  aggregating above $500 before incurring such expenditures.

         4.2      The principal place of work for the individuals concerned is
                  Salt Lake City, unless otherwise specified in Schedule 1
                  below.

5.       SCOPE OF WORK AND MANAGEMENT OF THE PROJECT

         5.1      The general scope will include the build-out of Loyalty
                  Central and LoyaltyCentral.com, using J2EE EJB and WebSphere
                  technology.

         5.2      SCTN will define the details of the scope of work and the
                  objectives of the project.

         5.3      Consequently, responsibility for management of the project and
                  achievement of these objectives lies with SCTN. RTSE will
                  provide assistance, but is not responsible for schedules,
                  deadlines or performance.

6.       TERMINATION OF THE AGREEMENT

         6.1      Should SCTN terminate this Agreement, SCTN shall pay RTSE for
                  any and all work performed or materials ordered or acquired
                  for SCTN (upon SCTN's authorisation) by RTSE prior to
                  termination; provided, that RTSE shall attempt to mitigate
                  SCTN's obligation by using its commercially reasonable efforts
                  to cancel the delivery of any materials ordered but not yet
                  received prior to termination.

         6.2      If at any time RTSE reasonably determines that SCTN will be
                  not successful in obtaining funding for its ongoing
                  operations, RTSE will have the right to terminate this
                  agreement, and to request immediate payment of the services
                  rendered,; provided however that, until such time as RTSE has
                  performed work and billed according to this agreement amounts
                  in excess of the amounts previously paid including amounts
                  which may have been paid in advance by SCTN to RTSE under this
                  agreement, RTSE shall not have the right to cancel this
                  agreement. RTSE will have the right to terminate this
                  agreement at any time in the event that amounts due and
                  payable by SCTN are not paid according to the terms of this
                  agreement.

         6.3      Immediately upon expiration or termination of this Agreement
                  or termination for any reason, RTSE, without additional cost
                  to SCTN, shall provide all reasonable assistance and devote
                  RTSE's best efforts to returning to SCTN or its designees any
                  and all data, records and documentation belonging to or
                  provided by SCTN.

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         6.4      The provisions of clause 7 shall survive any termination of
                  this Agreement.

7.       CONFIDENTIALITY

         7.1      During the term of this Agreement, and for a period of two
                  years thereafter, RTSE shall maintain in strict confidence,
                  and shall ensure that the RTSE's Representatives shall
                  maintain in strict confidence, and shall use and disclose only
                  as authorised by SCTN, all confidential information identified
                  to RTSE and the RTSE's Representatives, whether or not
                  authorised by SCTN, verbally or in writing, or material
                  information which a reasonable person would assume to be
                  confidential given in the context of its disclosure, that RTSE
                  receives in connection with RTSE's performance under this
                  Agreement, either before or after the date of this Agreement.
                  Such confidential information shall include, but not be
                  limited to, information concerning SCTN and its customer's
                  business operations, employees, finances, acquisitions,
                  research and development, products and production, system
                  design, customers, marketing, software, inventions, processes,
                  designs, drawings and engineering, configurations, sales and
                  pricing that is disclosed by or on behalf of either party to
                  the other, or is developed during the working relationship,
                  and any information, technical data or know-how that contain
                  or reflect any of the foregoing, whether prepared by SCTN or
                  by any other person ("Confidential Information").

         7.2      RTSE also recognises that SCTN has received and in the future
                  will receive from third parties their confidential or
                  proprietary information subject to a duty on SCTN's part to
                  maintain the confidentiality of such information and to use it
                  only for certain limited purposes ("Third Party Confidential
                  Information"). RTSE agrees that RTSE owes SCTN and such third
                  parties, during the term of this Agreement and for a period of
                  two years thereafter, a duty to hold all Confidential
                  Information and Third Party Confidential Information in the
                  strictest confidence and shall ensure that RTSE's
                  Representatives shall hold in the strictest confidence and not
                  to disclose it to any person, firm, or corporation (except as
                  necessary in carrying out RTSE's work for SCTN in a manner
                  consistent with SCTN's agreement with such third party) or to
                  use it for the benefit of anyone other than for SCTN or such
                  third party (consistent with SCTN's agreement with such third
                  party).

         7.3      The restrictions in this clause 7 shall not be construed to
                  apply to:

                  7.3.1    information generally available to the public;

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                  7.3.2    information generally released by SCTN without
                           restriction and which a reasonable person would not
                           assume to be confidential;

                  7.3.3    information independently developed by RTSE or its
                           personnel without reliance in any way on confidential
                           information of SCTN or acquired from a third party
                           without similar restriction, without breach of this
                           Agreement, and with no reason to believe the third
                           party has breached any similar confidentiality
                           agreement; or

                  7.3.4    information that SCTN agrees in writing is approved
                           for the use and disclosure of RTSE or RTSE's
                           Representatives without restriction.

         7.4      Notwithstanding the foregoing restrictions, RTSE may disclose
                  any information to the extent required by an order of any
                  court or other governmental authority but only after SCTN has
                  been notified in writing sufficiently in advance of the date
                  of compliance to permit SCTN to seek protection for such
                  information in connection with the disclosure.

         7.5      All Confidential Information in whatever form shall at all
                  times remain the property of SCTN. Upon the written request of
                  SCTN, RTSE shall deliver promptly to SCTN all documents,
                  memoranda, notes, computer programs, storage media, materials
                  and other tangible property ("Information Media") that contain
                  Confidential Information or Third Party Confidential
                  Information, and shall not retain any copies, extracts or
                  other reproductions or evidence in whole or in part of such
                  information. All such Confidential Information and Third Party
                  Confidential Information stored on computer disks or other
                  Information Media that cannot be delivered to SCTN (because,
                  for example, such media also contain information not relating
                  to the party) shall be destroyed promptly, and such
                  destruction shall be certified in writing to the other party
                  by an authorised officer who supervised such destruction.

8.       NON-SOLICITATION

         8.1      For the term of this Agreement and for the period of six (6)
                  months thereafter without the prior written consent of the
                  other Party, neither Party shall actively solicit or entice
                  away or seek to attempt to entice away from the employment of
                  the other Party any person(s) employed or any person(s) who
                  have been so employed in the preceding six (6) months by such

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                  other Party. For the avoidance of doubt, this clause shall not
                  apply to unsolicited responses by employees to general
                  recruitment advertising.

9.       INTELLECTUAL PROPERTY OWNERSHIP

         9.1      Subject to clause 7.2 of this Agreement, SCTN shall
                  exclusively own all intellectual property rights including but
                  not limited to copyright, patents, trade marks, service marks,
                  registered designs, applications for any of those rights,
                  trade and business names (including internet domain names and
                  email address names), unregistered trade marks and service
                  marks, know-how, database rights, rights in designs and
                  inventions; and rights of the same or similar effect or nature
                  in each case in any jurisdiction ("Intellectual Property
                  Rights") that have been created or have arisen pursuant to the
                  provision of the Services. To the extent that such title will
                  vest in SCTN, RTSE shall execute or ensure that RTSE's
                  Representatives shall execute any documents necessary to make
                  a full, irrevocable assignment, in perpetuity, to SCTN of any
                  and all the Intellectual Property Rights associated with such
                  Services developed or prepared by RTSE or RTSE's
                  Representatives pursuant to this Agreement.

         9.2      RTSE shall continue to own all Intellectual Property Rights
                  that it owned prior to the date of this Agreement, but to the
                  extent that SCTN requires use of such Intellectual Property
                  Rights to fully enjoy and use the Services, RTSE grants to
                  SCTN a perpetual, irrevocable worldwide licence to use such
                  Intellectual Property Rights.

10.      NOTICES

         Whenever notice is required to be given under the terms of this
         Agreement, such notice shall be in writing and delivered by hand or by
         registered or certified mail, postage prepaid addressed as follows:

         If to SCTN at:                              If to RTSE at:

         Smart Chip Technologies, LLC
         26800 Laguna Hills Drive, Suite 100
         Aliso Viejo, California 92656

         or to such other address as either party shall have specified for
         itself from time to time to the other party in writing. All such
         notices shall be conclusively deemed to be received and shall be

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         effective, if sent by hand delivery, upon receipt, or if sent by
         registered or certified mail, upon receipt.

11.      GENERAL

         11.1     If any term or other provision of this Agreement, or any
                  application thereof to any circumstances is invalid, illegal
                  or incapable of being enforced by any rule of law in whole or
                  in part, such provision or application shall to that extent be
                  severable and shall not effect other provisions or
                  applications of this Agreement.

         11.2     This Agreement and any addenda attached hereto contains the
                  entire understanding of the parties hereto with respect to its
                  subject matter hereof and supersedes all prior agreements and
                  understandings, oral or written, between them as to such
                  subject matter. This clause does not apply to any fraudulent
                  misrepresentations or statements.

         11.3     No provision of this Agreement shall be taken as excluding or
                  restricting or attempting to exclude or restrict any liability
                  for death or personal injury arising from either party's
                  negligence.

         11.4     This Agreement may be executed in any number of counterparts,
                  each of which shall be deemed to be an original, but all of
                  which together shall constitute one instrument.

         11.5     Under this Agreement, unless the context otherwise requires,
                  words in the singular number or in the plural number shall
                  each include the singular number and the plural number, and
                  the use of any gender shall include all genders. The headings
                  in this Agreement are for reference purpose only and shall not
                  limit or otherwise affect the meaning or interpretation of
                  this Agreement.

         11.6     Each party hereto shall do and perform or cause to be done and
                  performed all further acts and things and shall execute and
                  deliver all other agreements, certificates, instruments, and
                  documents as any other party hereto reasonably may request in
                  order to carry out the intent and accomplish the purposes of
                  this Agreement and the consummation of the transactions
                  contemplated hereby.

         11.7     This Agreement may not be amended, nor may any provision
                  hereof be modified or waived, except by an instrument in
                  writing duly signed by the party to be charged.

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12.      GOVERNING LAW

         This Agreement and the rights and obligations of the parties hereto
         shall be construed and enforced in accordance with and governed by the
         laws of California in the USA, and both parties submit themselves to
         the exclusive jurisdiction of said law.

SIGNED by a duly authorised  representative for and on  )
behalf of SCTN                                          )

Signature: /s/ Joe G. Coykendall
Name:   Joe G. Coykendall
Title:     Senior Vice President
Date:    November 12, 2001

SIGNED by a duly authorised representative for and on  )
behalf of RTS NetWorks Group PLC                       )

Signature: /s/ Eric Rothbarth
Name: Chief Financial Officer
Title: November 12th, 2001
Date:

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Schedule 1 - The Services

1.       Build Services

         1.       The build-out of Loyalty Central and LoyaltyCentral.com, using
                  J2EE EJB and WebSphere technology, per the specifications as
                  contained in the following documents: Loyalty Central
                  Build-out Specifications.

         2.       Loyalty Central Build-out by Release Specifications.

         3.       Global Platform Specifications Documents

         4.       EMV Specifications Documents

         5.       Solstice Solution Specifications.

         6.       Scotia Bank Functional Requirements Specifications

Schedule 2 - Designated Billing Rates

Type of Consultant                  Billing Rate (per hour)
------------------                  -----------------------
Project Manager                             $250.00
Senior Developer                             150.00
Junior Developer                             112.50
Senior Designer                              150.00
Junior Designer                              112.50Exhibit 10.34

                             AMENDED AGREEMENT FOR
                         INDEPENDENT CONTRACTOR SERVICES

DATE:    November 15, 2001

                     I. PARTIES AND AMENDMENT UNDERSTANDING

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

                                       and

CIT Canada Inc., a subsidiary of Silverline Technologies, Inc., hereinafter
"Contractor,"

(jointly, "the Parties" or "Party" as determined by context),

having entered into an agreement dated June 1, 2001 and desire to amend and
replace that agreement with this subsequent agreement, and

hereby enter into this Amended Agreement for Independent Contractor Services,
hereinafter "Agreement," effective the above date.

                          II. ENGAGEMENT OF CONTRACTOR

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

Development of SCTN proprietary Loyalty Application and Engine on Ingenico
terminals and G&D smart java cards(E-llegiance), per the general and detail
specifications provided by SCTN, in documents;

         ELFS00110D      E-llegiance Loyalty Application Specifications document
         ELFS00210D      E-llegiance Loyalty Application Engine document

and any subsequent revisions to these documents. All product development will be
compliant with all specifications of all applicable industry standards and
requirements, including, but not limited to, all published specifications of
Global Platform, EMV, and ISO, as identified and specified by SCTN. All
construction will be subject to physical as well as logical architecture
requirements, as dictated by SCTN from time to time, that will maximize the
portability of the product to other platforms. This will include, but not be
limited to, layers of abstraction at all interface points to the operating
environment, the user interface, and all data access.

At the option of SCTN, this scope of work may be expanded, in writing, to
include portions of the development of the SCTN back-end Loyalty Program
Management Services (LoyaltyCentral or LoyaltyCentral.com), integrated with the
existing Loyalty Central DB2 database and related processing, or any other

<PAGE>

necessary interfaces, per the general or detail specifications provided by SCTN,
working in conjunction with SCTN developers or other contracted developers.

                             III. TERM OF ENGAGEMENT

This Agreement shall be for a term commencing June 1st, 2001 and ending upon
delivery of working software, or May 1, 2002, whichever is later. Agreement term
can be extended by mutual agreement between the Parties.

                             IV. WORKPLACE AND HOURS

Contractor shall render services at Contractor's off shore offices or any other
place of Contractor's choosing. Contractor shall also provide its Services at
such other place or places as reasonably requested by Company as appropriate for
the performance of particular services. However, Company and Contractor
anticipate that most of the Services will be performed at Contractor's off shore
offices

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.

                                 V. COMPENSATION

Company shall have the right to elect to pay Contractor for Services performed
under this Agreement in one of two options as follows:

V.1      OPTION ONE:  Equity  with deferred cash payments

V.1.1 Charge rates for Contractor's Services:

         US$ 1250 per work day for Services performed on-site or on-shore
         US$ 750 per work day for Services performed off-shore

V.1.2 Contractor shall invoice Company for Services performed on a monthly
basis. Company shall pay the Contractor for each invoice as follows:

    -    25% in cash within 30 days, and before end of the following month.
    -    12.5% in cash within 60 days.
    -    12.5% in cash within 90 days.
    -    50% in number of shares of SCTN 144 restricted common stock. The number
         of shares will be computed for each week of the month by dividing the
         Closing Price (defined below) into the rates of services in V.1.1. The
         result will be multiplied by the number of days invoiced for that

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         particular week, to determine the number of shares due to Contractor.
         These shares will bare no restrictions except for a one year hold
         period and other standard regulations that govern such Nasdaq stocks.
    -    The "Closing Price" for the computation of shares will be the lower of
         the closing as recorded for SCTN common stock as quoted on national
         markets or $.20 per share.

V.2      OPTION TWO:  Normal cash payments

V.2.1 Charge rates for Contractor's Services:
         US$ 1000 per work day for Services performed on-site or on-shore
         US$ 550 per work day for Services performed off-shore

V.2.2 Contractor shall invoice Company for Services performed on a monthly
basis. Company shall pay the Contractor in cash for each invoice within 30 days,
and before the end of the following month.

Company may switch from one option to another by giving the Contractor a 30 days
notice before the date of the monthly invoice.

In both options, Company shall bear all of Contractor's pre-approved expenses
incurred in the performance of this Agreement. These include travel,
accommodation and living expenses for Contractor's personnel while performing
on-site services. Contractor shall invoice Company for expenses on a monthly
basis. Company shall pay the Contractor in cash for each invoice within 30 days,
and before the end of the following month.

                               VI. NON-COMPETITION

During the term of this Agreement and for a period of 12 months thereafter,
Contractor shall not, within the "Smart Loyalty" business area, directly or
indirectly, own, manage, operate, or control any business the same as or
reasonably similar to the business conducted by Company. In the event any of the
provisions of this Paragraph are determined to be invalid by reason of their
scope or duration, this Paragraph shall be deemed modified to the extent
required to cure the invalidity.

                              VII. NON-SOLICITATION

Company agrees that during term of this Agreement and for a period of one year
thereafter, it will not solicit or accept for employment or consultation,
whether temporary or permanent, any employee of CIT or request or influence any
such employee to terminate his or her employment with CIT

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<PAGE>
                              VIII. CONFIDENTIALITY

"Confidential Information" for the purposes of this Agreement shall include
Company's proprietary and confidential information including, without
limitations, business plans, customer lists, marketing plans, financial
information, designs, drawing, specifications, models, software, source codes
and object codes. At termination of this Agreement, Contractor shall turn over
to Company all originals and copies of tangible material containing or
reflecting Company's Confidential Information. During the term of this
Agreement, and thereafter for 24 months, Contractor shall not, without the prior
written consent of Company, disclose to anyone any Confidential Information. The
parties agree that remedies available at law are inadequate to compensate for
breach of this paragraph, and that either party may apply to a Court of
competent jurisdiction for equitable relief upon proper showing.

                              IX. CONTRACTOR STATUS

It is expressly understood and agreed that Contractor is and throughout the term
of this Agreement shall be an independent contractor and not an employee,
partner, or agent of Company. Contractor shall not be entitled to nor receive
any benefit normally provided to Company's employees. Contractor agrees that
Company shall have ownership, title, and Company reserves all rights, including
copyrights, of all works created by Contractor under this Agreement, including
but not limited to source code, documentation, executables, architectural
drawings, and operating instructions. Contractor hereby prospectively assigns
all such works to Company, for the consideration provided in Paragraph IV.
Company shall not be responsible for withholding income or other taxes from the
payments made to Contractor. Contractor shall be solely responsible for filing
all returns and paying any income, social security, or other tax levied upon or
determined with respect to the payments made to Contractor pursuant to this
Agreement. Contractor is solely responsible for the means, manner, and method of
Contractor's work, subject only to the general objectives and requirements, and
specific direction, of SCTN's technical specifications.

                              X. CONTRACTOR'S TOOLS

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.

                               XI. CONTROLLING LAW

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

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                              XII. ENTIRE AGREEMENT

This Agreement constitutes the final understanding and Agreement between the
parties. This Agreement cannot be amended or changed except by a writing signed
by both of the Parties.

                                  XIII. NOTICES

Any notice required to be given or otherwise given pursuant to this Agreement
shall be in writing and shall be hand delivered, mailed by certified mail,
return receipt requested:

         If to Contractor:
                 CIT Canada Inc., a Subsidiary of Silverline Technologies, Inc.
                 240 Duncan Mill Road, Suite 501
                 North York, Ontario M3C 3N6

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

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

/s/ Bob Perry
--------------------------------
for Ashraf Zaki, President & CEO
CIT Canada Inc.

/s/ Jim Williams
--------------------------------
Jim Williams, President & CEO
Smart Chip Technologies

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