<Page>

                UNITED STATES SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                   FORM 10-QSB

(Mark One)

|X|   Quarterly report under Section 13 or 15(d) of the Securities Exchange Act
      of 1934

            For the quarterly period ended June 30, 2001

|_|   Transition report under Section 13 or 15(d) of Exchange Act

            For the transition period from _____ to _____

                         Commission File Number 0-23737

                         ACHIEVEMENT TEC HOLDINGS, INC.
        (Exact Name of Small Business Issuer as Specified in its Charter)

             Delaware                                     82-0290939
  (State or Other Jurisdiction              (I.R.S. Employer Identification No.)
of Incorporation or Organization)

            2100 HIGHWAY 360, SUITE 400-B, GRAND PRAIRIE, TEXAS 75050
                    (Address of Principal Executive Offices)

                                 (972) 641-5494
                (Issuer's Telephone Number, Including Area Code)

      Check whether the issuer (1) filed all reports required to be filed by
Section 13 or 15(d) of the Exchange Act during the past 12 months (or for such
shorter period that the registrant was required to file such reports), and (2)
has been subject to such filing requirements for the past 90 days.

      Yes |X| No |_|

                      APPLICABLE ONLY TO CORPORATE ISSUERS

      State the number of shares outstanding of each of the issuer's classes of
common equity, as of the latest practicable date. 9,753,373 shares of Common
Stock, $.001 par value, outstanding as of August 1, 2001.

      Transitional Small Business Disclosure Format (check one):

      Yes |X| No |_|


                                       1
<Page>

                          SILVER RAMONA MINING COMPANY

                                TABLE OF CONTENTS

                                                                            Page

PART I--FINANCIAL INFORMATION

Item 1.  Financial Statements..................................................3
Item 2.  Management's Discussion and Analysis or Plan of Operation............21

PART II--OTHER INFORMATION

Item 1.   Legal Proceedings...................................................22
Item 2.   Changes in Securities...............................................22
Item 3.   Defaults Upon Senior Securities.....................................23
Item 4.   Submission of Matter to a Vote of Security Holders..................23
Item 5.   Other Information...................................................23
Item 6.   Exhibits and Reports on Form 8-K....................................23

SIGNATURES


                                       2
<Page>

                                     PART I
                              FINANCIAL INFORMATION

ITEM 1. FINANCIAL STATEMENTS

                          SILVER RAMONA MINING COMPANY
                                AND SUBSIDIARIES
                        CONSOLIDATED FINANCIAL STATEMENTS
                                  JUNE 30, 2001

                                      INDEX

                                                                           PAGE

Consolidated Balance Sheet                                                  2

Consolidated Statement of Operations                                        3

Consolidated Statement of Stockholders' Equity                              4

Consolidated Statement of Cash Flows                                      5 - 6

Notes to Consolidated Financial Statements                                7 - 19


                                       3
<Page>

                          SILVER RAMONA MINING COMPANY
                                AND SUBSIDIARIES
                           CONSOLIDATED BALANCE SHEETS

<Table>
<Caption>
                                                                     June 30,      December 31,
                                                                       2001            2000
                                                                   -----------     ------------
      ASSETS                                                       (Unaudited)
<S>                                                                <C>              <C>
CURRENT ASSETS
  Cash and cash equivalents                                        $    62,295      $      --
  Accounts receivable, net of allowance for
   doubtful accounts of $35,469 and $17,500                            223,307        124,872
  Note Receivable                                                      250,000
  Debt issue costs, net of accumulated amortization
   cost of $29,788 and $6,456                                           60,187         28,544
                                                                   -----------      ---------
      Total current assets                                             595,789        153,416
Property and equipment, net of accumulated
 depreciation of $98,598 and $23,446                                    63,870         62,666

Intangible assets, net of accumulated amortization
 of $13,210 and $2,242                                                   5,533         16,501
Goodwill, net of accumulated amortization of $115,658 and $-0-       3,354,111             --

Other assets                                                             9,614          2,671
                                                                   -----------      ---------
      TOTAL ASSETS                                                 $ 4,028,917      $ 235,254
                                                                   ===========      =========
      LIABILITIES AND STOCKHOLDERS' EQUITY (DEFICIENCY)
 CURRENT LIABILITIES
    Bank overdraft                                                 $        --      $  45,505
    Accounts payable and accrued expenses                              523,633         21,140
    Notes payable - current                                            204,535        331,624
    Convertible notes payable - current                              1,350,000             --
                                                                   -----------      ---------
       Total current liabilities                                     2,078,168        398,269

Due to officer                                                          36,128         94,582
Convertible notes payable - non-current                                787,500             --
Convertible Debt                                                     1,193,659
Notes payable - non-current                                             51,899         37,572
                                                                   -----------      ---------
       Total liabilities                                             4,147,354        530,423
                                                                   -----------      ---------

Commitments and contingencies                                               --             --

STOCKHOLDERS' EQUITY (DEFICIENCY)
    Preferred stock - $0.001 par value; 10,000,000
     shares authorized; -0- issued and outstanding                          --             --
    Common stock - $0.001 par value; 50,000,000
     shares authorized; 10,377,248 and 10,014,748
     issued and outstanding                                             10,377         10,014
    Additional paid-in capital                                       2,549,100        636,963
    Treasury Stock                                                    (837,930)
     Deferred compensation expense                                    (500,000)            --
    Accumulated deficit                                             (1,339,984)      (942,146)
                                                                   -----------      ---------
       Total stockholders' equity (deficiency)                        (118,437)      (295,169)
                                                                   -----------      ---------
       TOTAL LIABILITIES AND STOCKHOLDERS'
           EQUITY (DEFICIENCY)                                     $ 4,028,917      $ 235,254
                                                                   ===========      =========
</Table>

The accompanying notes are an integral part of the consolidated financial
statement.


                                       4
<Page>

                          SILVER RAMONA MINING COMPANY
                                AND SUBSIDIARIES
                      CONSOLIDATED STATEMENTS OF OPERATIONS
                                   (UNAUDITED)

<Table>
<Caption>
                                                         For The                        For The
                                                      Three Months                     Six Months
                                                     Ended June 30,                  Ended June 30,
                                                  2001            2000            2001            2000
                                              --------------------------      --------------------------
<S>                                           <C>              <C>            <C>              <C>
REVENUE                                       $   889,265      $ 315,305      $ 1,877,432      $ 628,833
                                              -----------      ---------      -----------      ---------

SELLING, GENERAL
AND ADMINISTRATIVE EXPENSES:

Selling, general and administrative             1,240,406        393,322        2,334,416        759,201

Depreciation and Amortization                      75,714          6,824          145,821         10,897
                                              -----------      ---------      -----------      ---------

Total selling, general and adminintrative
expenses                                        1,316,119        400,146        2,480,236        141,215
                                              -----------      ---------      -----------      ---------

LOSS FROM OPERATIONS                             (426,855)       (84,841)        (602,804)      (141,265)
                                              -----------      ---------      -----------      ---------
OTHER INCOME (EXPENSE)
         Other Income                             249,290             --          249,290
         Interest income                               38             --              147
         Interest expense                         (24,570)        (7,028)         (44,471)       (15,849)
                                              -----------      ---------      -----------      ---------

Total other income (expense)                      224,758         (7,028)         204,967        (15,849)
                                              -----------      ---------      -----------      ---------

LOSS BEFORE PROVISION
FOR INCOME TAXES                                 (202,096)       (91,868)        (397,838)      (157,064)

PROVISION FOR INCOME TAXES                             --             --               --             --
                                              -----------      ---------      -----------      ---------

NET LOSS                                      $  (202,096)     $ (91,868)     $  (397,838)     $(157,064)
                                              ===========      =========      ===========      =========

NET LOSS PER COMMON SHARE
    Basic and diluted                         $     (0.02)     $   (0.02)     $     (0.04)     $   (0.03)
                                              ===========      =========      ===========      =========
</Table>

The accompanying notes are an integral part of the consolidated financial
statement.


                                       5
<Page>

                          SILVER RAMONA MINING COMPANY
                                AND SUBSIDIARIES
           CONSOLIDATED STATEMENT OF STOCKHOLDERS' EQUITY (DEFICIENCY)

<Table>
<Caption>
                                                                                                           Total
                                         Common Stock          Additional                  Deferred    Stockholders'
                                   ----------------------       Paid-in      Treasury    Compensation   Accumulated        Equity
                                     Shares        Amount       Capital        Stock        Expense       Deficit       (Deficiency)
                                   ----------      ------     -----------    ---------   ------------  -------------    ------------
<S>                                <C>            <C>         <C>            <C>           <C>          <C>              <C>
Balance at December 31, 1999        4,226,283     $ 4,226     $   248,518           --     $      --    $  (695,899)     $(443,155)

Acquisition of net assets of
 Silver Ramona                      3,000,300       3,000          (3,000)          --            --             --             --

Net Loss for the year ended
December 31, 2000                          --          --              --           --            --       (246,247)      (246,247)

Issuance of stock, adjusted to
 reflect outstanding shares of
 Silver Ramona                      2,773,717       2,774         597,226           --            --             --        600,000

Issuance of stock for interest         14,448          14             889           --            --             --            903

Debt issue cost                            --          --          35,000           --            --             --         35,000

Offering costs                             --          --        (241,670)          --            --             --       (241,670)
                                   ----------      ------     -----------    ---------     ---------    -----------      ---------
Balance at December 31, 2000       10,014,748      10,014         636,963           --            --       (942,146)      (295,169)

Acquisition of net assets of
 Career Directions                    200,000         200       1,199,800           --            --             --      1,200,000

Acquisition of net assets of
 L & R Moran                           50,000          50          99,950           --            --             --        100,000

Stock options for compensation             --          --         500,000           --            --             --        500,000

Deferred compensation expense              --          --              --           --      (500,000)            --       (500,000)

Career Direction Conversion            50,000          50          49,950           --            --             --         50,000

Convertible Debtentures                    --          --              --     (837,930)           --             --       (837,930)

Convertible Note for                   62,500          63          62,437           --            --             --         62,500
 Personnel Profiles

Net loss for the period ended
June 30, 2001 (Unaudited)                  --          --              --           --            --       (397,838)      (397,838)
                                   ----------      ------     -----------    ---------     ---------    -----------      ---------
Balance at June 30, 2001
   (Unaudited)                     10,377,248      10,377     $ 2,549,100    $(837,930)    $(500,000)   $(1,339,984)     $(118,437)
                                   ==========      ======     ===========    =========     =========    ===========      =========
</Table>

   The accompanying notes are an integral part of the consolidated financial
                                   statement.


                                       6
<Page>

                          SILVER RAMONA MINING COMPANY
                                AND SUBSIDIARIES
                      CONSOLIDATED STATEMENTS OF CASH FLOWS

<Table>
<Caption>
                                                                       For the Six Months Ended
                                                                               June 30,
                                                                      -------------------------
                                                                          2001           2000
                                                                      -----------     ---------
                                                                      (Unaudited)
<S>                                                                    <C>            <C>
CASH FLOW FROM OPERATING ACTIVITIES
   Net loss                                                            $(397,838)     $(157,114)
   Adjustments to reconcile net loss to net cash
    provided by (used in) operating activities:
      Depreciation and amortization expense                                7,528         10,897
      Amortization of goodwill                                           126,626             --
      Bad debt expense                                                       560             --
      Other Income                                                      (249,290)            --
Changes in certain assets and liabilities:
      Increase in debt issue costs                                       (31,643)            --
      (Increase) decrease in accounts receivable                         397,536       (117,284)
      Decrease in other assets                                            (6,943)         1,525
      Decrease (increase) in accounts payable and accrued expenses       331,796         47,556
                                                                       ---------      ---------
Total cash (used in) provided by operating activities                    178,332       (214,420)
                                                                       ---------      ---------

CASH FLOWS FROM INVESTING ACTIVITIES
   Increase in property and equipment                                     (6,635)       (32,915)
   Increase in intangible assets                                              --         (3,779)
                                                                       ---------      ---------
Total cash (used in) investing activities                                 (6,635)       (36,694)
                                                                       ---------      ---------

CASH FLOWS FROM FINANCING ACTIVITIES
   Decrease in bank overdraft                                            (45,505)       (26,795)
   Proceeds from notes payable                                                --        (22,997)
   Repayment of notes payable                                             (5,443)            --
   Decrease in due to officer                                            (58,454)      (104,094)
   Sale of stock                                                              --        400,000
                                                                       ---------      ---------
Total cash (used in) provided by financing activities                   (109,402)       246,115
                                                                       ---------      ---------

NET INCREASE IN CASH AND CASH EQUIVALENTS                                 62,295         (5,000)

CASH AND CASH EQUIVALENTS - BEGINNING OF YEAR                                 --          5,000
                                                                       ---------      ---------

CASH AND CASH EQUIVALENTS - END OF YEAR                                $  62,295      $      --
                                                                       =========      =========

CASH PAID DURING THE YEAR FOR:
   Interest expense                                                    $  44,136      $  15,849
                                                                       =========      =========
   Income taxes                                                        $      --      $      --
                                                                       =========      =========
</Table>


                                       7
<Page>

                          SILVER RAMONA MINING COMPANY
                                AND SUBSIDIARIES
                      CONSOLIDATED STATEMENTS OF CASH FLOWS
                                  June 30, 2001

NON CASH FINANCING ACTIVITIES:

      The Company acquired all the assets and liabilities of Career Direction,
      Inc. on January 1, 2001, for 200,000 shares of its common stock valued at
      $1,200,000 and the issuance of a $800,000 note payable (see Note 3a).

      The Company acquired all the assets and liabilities of Personnel Profiles,
      Inc. on January 1, 2001, for a $500,000 note payable (see Note 3b).

      The Company acquired all the assets and liabilities of L and R Moran, Inc.
      on January 1, 2001, for 50,000 shares of its common stock valued at
      $100,000, and $950,000 notes payable (see Note 3c).

      As a condition to the consummation of the sale and purchase agreements
      with Career Directions, Inc., Personnel Profiles, Inc., and L and R Moran,
      Inc., dated January 1, 2001, the Company is required to execute three year
      employment agreements with the executives for stock options. As of June
      30, 2001, $500,000 was recorded as deferred compensation.

The accompanying notes are an integral part of the consolidated financial
statement.


                                       8
<Page>

                          SILVER RAMONA MINING COMPANY
                                AND SUBSIDIARIES
             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED)
                                  June 30, 2001

NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

      a)    BASIS OF PRESENTATION

            The unaudited consolidated financial statements have been prepared
            by Silver Ramona Mining Company (the "Company") in accordance with
            instructions to Form 10-Q and Article 10 of Regulation S-X. The
            consolidated financial statements include the accounts of the
            Company and its wholly owned subsidiaries. All intercompany accounts
            and transactions have been eliminated. In the opinion of management,
            all adjustments, consisting only of normal recurring adjustments
            considered necessary for a fair presentation, have been included.
            The results of operations for the six month period ended June 30,
            2001 are not necessarily indicative of the results to be expected
            for the full year or for any future periods. The accompanying
            consolidated financial statements should be read in conjunction with
            the audited consolidated financial statements contained in the
            Company's Form 10-K filed with the Securities and Exchange
            Commission on April 17, 2001

            The accompanying consolidated financial statements include the
            accounts of Silver Ramona Mining Company (the "Company"), a holding
            company organized under the laws of the State of Idaho on May 25,
            1967. The Company, on February 28, 2000, voted to amend its Articles
            of Incorporation to the State of Delaware. Its Subsidiaries include:

                  1)    Achievement Tec, Inc. ("Achievement Tec"), formerly
                        known as Profile Technologies, Inc. and Communications
                        Institute of America, Inc., was incorporated under the
                        laws of the state of Texas during 1956;

                  2)    Achievement Tec Acquisition Corporation ("Acquisition"),
                        was incorporated under the laws of the state of Delaware
                        on November 1, 2000;

                  3)    Career Direction, Inc. ("Career Direction"), a Texas
                        corporation (see Note 3a);

                  4)    Personnel Profiles, Inc. ("Personnel Profiles"), an Ohio
                        corporation (see Note 3b); and

                  5)    L and R Moran, Inc. ("L&R Moran"), a Texas corporation
                        (see Note 3c).

            Effective May 9, 2000, the Company, Achievement Tec and Acquisition
            entered into an Agreement and Plan of Merger, subsequently amended
            by a certain Addendum to Agreement and Plan of Merger, dated as of
            July 1, 2000, among the Company, Achievement Tec and Acquisition (as
            amended, the "Merger Agreement"), whereby Acquisition will merge
            with and into Achievement Tec pursuant to the laws of the State of
            Delaware and Texas, and Achievement Tec will be the surviving
            corporation (the "Merger"). Pursuant to the Merger Agreement, the
            holders of the common and preferred stock of Achievement Tec
            received an aggregate of 7,014,948 shares of common stock of the
            Company, representing approximately 70% of the outstanding common
            stock of the Company immediately following such issuance.

            The financial statement presented include the accounts of
            Achievement Tec from its inception


                          SILVER RAMONA MINING COMPANY
                                AND SUBSIDIARIES
             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED)
                                  June 30, 2001

      (May 25, 1967) and that of Silver Ramona Mining Company from November 9,
      2000 to December 31, 2000 .As of January 1, 2001, the Company acquired
      three subsidiaries: Career Direction, Inc., Personnel Profiles, Inc. and L
      and R Moran, Inc.


                                       9
<Page>

NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued)

      b)    LINE OF BUSINESS

            The Company develops, markets, and sells computer PC Software to
            compare an individual's mental aptitudes and personality traits to
            the aptitudes and traits (and the levels required) for success in a
            particular job. During 2000 and 1999, the Company has expanded its
            product line and converted it for utilization via the internet. The
            Company has developed product lines and business models for
            e-commerce that focus on applicant attraction, employee selection,
            employee training and development and delivery of online services.
            For delivery of these product lines, the Company has developed the
            following websites:

                                                       www.virtualhrcenter.com
                                                       www.positivestep.com
                                                       www.careerdirection.com
                                                       www.mycareerdirection.com

      c)    USE OF ESTIMATES

            The preparation of financial statements in conformity with generally
            accepted accounting principles requires management to make estimates
            and assumptions that affect the reported amounts of assets and
            liabilities and disclosure of contingent assets and liabilities at
            the date of the financial statements and the reported amounts of
            revenue and expenses during the periods presented. Actual results
            could differ from those estimates.

      d)    REVENUE RECOGNITION

            Revenue is recognized based upon the accrual method of accounting.
            Revenue is recorded at the time of the sale, usually upon shipment
            of the product.

      e)    CASH AND CASH EQUIVALENTS

            The Company considers all highly liquid investments purchased with
            original maturities of three months or less to be cash equivalents.

      f)    CONCENTRATION OF CREDIT RISK

            The Company places its cash in what it believes to be credit-worthy
            financial institutions. However, cash balances may exceed FDIC
            insured levels at various times during the year.

      g)    PROPERTY AND EQUIPMENT

            Property and equipment is stated at cost. Depreciation is computed
            using the straight-line method based upon the estimated useful lives
            of the various classes of assets.


                                       10
<Page>

                          SILVER RAMONA MINING COMPANY
                                AND SUBSIDIARIES
             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED)
                                  June 30, 2001

NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued)

      h)    GOODWILL

            Goodwill represents the excess of cost over the fair value of net
            assets acquired and is being amortized on a straight-line method
            over 15 years. On an ongoing basis, management reviews the valuation
            and amortization of goodwill to determine possible impairment. The
            recoverability of goodwill is assessed by determining whether the
            amortization of goodwill over its remaining life can be recovered
            through projected undiscounted future cash flows.

      i)    INCOME TAXES

            Income taxes are provided for based on the liability method of
            accounting pursuant to Statement of Financial Accounting Standards
            ("SFAS") No. 109, "Accounting for Income Taxes". The liability
            method requires the recognition of deferred tax assets and
            liabilities for the expected future tax consequences of temporary
            differences between the reported amount of assets and liabilities
            and their tax basis.

      j)    ADVERTISING COSTS

            Advertising costs are expensed as incurred and included in selling,
            general and administrative expenses. For the six months ended June
            30, 2001 and 2000, advertising expense amounted to $324,024 and
            $4,886, respectively.

      k)    FAIR VALUE OF FINANCIAL INSTRUMENTS

            The Company's financial instruments consist of cash, accounts
            receivable, inventory, accounts payable and accrued expenses, and
            long-term debt. The carrying amounts of cash, accounts receivable
            and accounts payable and accrued expenses approximate fair value due
            to the highly liquid nature of these short-term instruments. The
            fair value of long-term borrowings was determined based upon
            interest rates currently available to the Company for borrowings
            with similar terms. The fair value of long-term borrowings
            approximates the carrying amounts as of June 30, 2001 and December
            31, 2000.

      l)    LONG-LIVED ASSETS

            SFAS No. 121, "Accounting for the Impairment of Long-Lived Assets
            and for Long-Lived Assets to be Disposed of" requires that
            long-lived assets be reviewed for impairment whenever events or
            changes in circumstances indicate that the carrying amount of an
            asset may not be recoverable. The Company has adopted this statement
            and has determined that recognition of an impairment loss for
            applicable assets of continuing operations is not necessary.

      m)    OFFERING COSTS

            Offering costs consist primarily of professional fees. These costs
            are charged against the proceeds of the sale of common stock in the
            periods in which they occur.


                                       11
<Page>

                          SILVER RAMONA MINING COMPANY
                                AND SUBSIDIARIES
             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED)
                                  June 30, 2001

NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued)

      n)    DEBT ISSUE COSTS

            Debt issue costs represent various commissions paid and the
            estimated cost of the 35% conversion discount feature relating to
            the issuance of the Company's convertible debentures. These costs
            are being amortized over the life of the debt (see Note 5d).

      o)    STOCK-BASED COMPENSATION

            SFAS No. 123, "Accounting for Stock-Based Compensation", encourages,
            but does not require companies to record compensation cost for
            stock-based employee compensation plans at fair value. The Company
            has chosen to continue to account for stock-based compensation using
            the intrinsic value method prescribed in Accounting Principles Board
            Opinion No. 25, "Accounting for Stock Issued to Employees", and
            related Interpretations. Accordingly, compensation cost for stock
            options is measured as the excess, if any, of the quoted market
            price of the Company's stock at the date of the grant over the
            amount an employee must pay to acquire the stock.

      p)    LOSS PER SHARE

            SFAS No. 128, "Earnings Per Share" requires presentation of basic
            loss per share ("Basic LPS") and diluted loss per share ("Diluted
            LPS").

            The computation of basic loss per share is computed by dividing loss
            available to common stockholders by the weighted average number of
            outstanding common shares during the period. Diluted loss per share
            gives effect to all dilutive potential common shares outstanding
            during the period. The computation of diluted LPS does not assume
            conversion, exercise or contingent exercise of securities that would
            have an anti-dilutive effect on losses.

            The shares used in the computation of loss per share, as restated,
            were as follows:

<Table>
<Caption>
                                                         JUNE 30,
                                             ------------------------------
                                                2001                 2000
                                             ----------           ---------
            <S>                              <C>                  <C>
            Basic and diluted                10,377,000           5,274,400
                                             ==========           =========
</Table>

      q)    COMPREHENSIVE INCOME

            SFAS No. 130, "Reporting Comprehensive Income" establishes standards
            for the reporting and display of comprehensive income and its
            components in the financial statements. As of June 30, 2001 and
            December 31, 2000, the Company has no items that represent
            comprehensive income and, therefore, has not included a schedule of
            comprehensive income in the financial statements.


                                       12
<Page>

                          SILVER RAMONA MINING COMPANY
                                AND SUBSIDIARIES
             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED)
                                  June 30, 2001

NOTE 2 - RELATED PARTY TRANSACTIONS

      As of June 30, 2001 and 2000, the Company has a payable due to an officer
      totaling $36,128 and $94,582, respectively. These amounts represent
      advances made to the Company by its Chief Executive Officer ("CEO") for
      various expenses. This payable bears interest at the rate of 8% per annum,
      with interest only payable in monthly installments beginning on January 1,
      1999 continuing until January 1, 2004, at which time the remaining unpaid
      principal and interest shall be due in full.

NOTE 3 - ACQUISITIONS/GOODWILL

      As of January 1, 2001, the Company acquired three subsidiaries: Career
      Direction, Inc., Personnel Profiles, Inc., and L and R Moran, Inc.

      Goodwill consists of the following at June 30, 2001:

<Table>
      <S>                                                           <C>
      a)  Career Direction, Inc.                                    $ 2,007,133
      b)  Personnel Profiles, Inc.                                      501,951
      c)  L and R Moran, Inc.                                           960,685
                                                                    -----------
                                                                      3,469,769
              Less: Accumulated Depreciation                           (115,658)
                                                                    -----------
                                                                    $ 3,354,111
                                                                    ===========
</Table>

      a)    CAREER DIRECTION, INC.

            As of January 1, 2001, the Company and Joe Loyd and Karen Loyd (the
            "Career Direction Sellers") entered into a Purchase and Sale
            Agreement (the "Career Direction Agreement"), whereby the Company
            agreed to purchase all the outstanding capital stock of Career
            Direction, Inc., a Texas corporation ("Career Direction") from the
            Career Direction Sellers.

            Pursuant to the Career Direction Agreement, the Career Direction
            Sellers will receive, in exchange for all the capital stock of
            Career Direction, the following:

      (i)   50,000 shares of common stock of the Company. The 50,000 shares are
            convertible at the option of the Career Direction Sellers into
            $50,000 cash upon successful completion by the Company of a private
            placement offering of its common stock in the amount of $2,000,000
            on or before July 1, 2001. In addition, the Career Direction Sellers
            may, at their option, require the Company to redeem the 50,000
            shares into $50,000 cash in July, 2001, unless the value of the
            Company's common stock is $1.00 or more on such date.


                                       13
<Page>

                          SILVER RAMONA MINING COMPANY
                                AND SUBSIDIARIES
             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED)
                                  June 30, 2001

NOTE 3 - ACQUISITIONS (Continued)

      a)    CAREER DIRECTION, INC. (CONTINUED)

      (ii)  An additional 950,000 shares of common stock of the Company, of
            which 150,000 shares will be issued at closing, and the remainder
            will be issued at the rate of 50,000 shares per quarter for 16
            quarters. The initial 150,000 shares are convertible to cash in the
            amount of $150,000, at the election of the Career Direction Sellers,
            in the event the Company conducts a primary or secondary offering of
            its stock that generates proceeds at least in that amount. Each
            quarterly installment of 50,000 shares is convertible to cash in the
            amount of $50,000, at the election of the Career Direction Sellers,
            in the event the market value of the Company's common stock falls
            below $1.00 per share when the installment is due. These contingent
            cash

            obligations of the Company of $950,000 are secured pursuant to a
            convertible promissory note, which is payable with interest on the
            earlier to occur of (a) 16 calendar quarters after the successful
            completion by the Company of a private placement offering of its
            common stock in the amount of $5,000,000 that closes on or before
            July 1, 2001 (a "Qualified Financing"), or (b) December 21, 2004.
            Upon the consummation of a Qualified Financing, the unpaid principal
            and accrued interest on the promissory note may, at the holder's
            option, be converted into shares of Company common stock at the
            beginning of any of the subsequent 16 calendar quarters and in
            amounts equal to the outstanding principal and unpaid accrued
            interest then due thereunder divided by $1.00.

            As a condition to the consummation of the transactions contemplated
            by the Career Direction Agreement, the Company is also required to
            execute

      (i)   a three year employment agreement by and between Joe Loyd and Career
            Direction, providing for Joe Loyd to serve as President of Career
            Direction at an annual compensation of $175,000;
      (ii)  a three year employment agreement by and between Karen Loyd and
            Career Direction, providing for annual compensation of $125,000;
      (iii) a stock option in favor of Joe Loyd for the purchase of 100,000
            shares of Company common stock, exercisable for a period of five
            years at $1.00 per share for 30,000 shares at the end of the first
            calendar year of service on the Company's Board of Directors, 35,000
            shares at the end of the second calendar year of service on the
            Company's Board of Directors, and 35,000 shares at the end of the
            third calendar year of service on the Company's Board of Directors;
      (iv)  a stock option in favor of Joe Loyd for the purchase of 100,000
            shares of Company common stock, exercisable for a period of five
            years at $1.00 per share for 30,000 shares at the end of the first
            calendar year of service with the Company, 35,000 shares at the end
            of the second calendar year of service with the Company, and 35,000
            shares at the end of the third calendar year of service with the
            Company; and


                                       14
<Page>

                          SILVER RAMONA MINING COMPANY
                                AND SUBSIDIARIES
             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED)
                                  June 30, 2001

NOTE 3 - ACQUISITIONS (Continued)

      b)    PERSONNEL PROFILES, INC.

      (v)   a stock option in favor of Karen Loyd for the purchase of 100,000
            shares of Company common stock, exercisable for a period of five
            years at $1.00 per share for 30,000 shares at the end of the first
            calendar year of service with the Company, 35,000 shares at the end
            of the second calendar year of service with the Company, and 35,000
            shares at the end of the third calendar year of service with the
            Company.

            Joe Loyd will serve as a director of the Company, in addition to
            serving as President of Career Direction.

            Closing of the transactions contemplated by the Career Direction
            Agreement occurred as of March 1, 2001.

            As of January 1, 2001, the Company and Paul Nolan, Jr., Trustee of a
            Charitable Remainder Trust (the "Personnel Profiles Seller"),
            entered into a Purchase and Sale Agreement (the "Personnel Profiles
            Agreement"), whereby the Company agreed to purchase all the
            outstanding capital stock of Personnel Profiles, Inc., an Ohio
            corporation ("Personnel Profiles") from the Personnel Profiles
            Seller.

            Pursuant to the Personnel Profiles Agreement, the Personnel Profiles
            Seller will receive, in exchange for all the capital stock of
            Personnel Profiles, $500,000, payable at the rate of $62,500 at the
            end of each calendar quarter beginning March 31, 2001 and continuing
            thereafter until paid in full on December 31, 2002. Upon the
            successful completion by the Company of a private placement offering
            of its common stock in the amount of at least $1,000,000, the
            Personnel Profiles Seller may require prepayment of the purchase
            price at the rate of $125,000 for each $1,000,000 raised. At the
            Personnel Profiles Seller's election, any $62,500 payment may
            instead be converted into 62,500 shares of Company common stock.

            As a condition to the consummation of the transactions contemplated
            by the Personnel Profiles Agreement, the Company is also required to
            execute:

      (i)   a three year employment agreement by and between Paul Nolan and
            Personnel Profiles, providing for Paul Nolan to serve as President
            of Personnel Profiles at an annual compensation of $150,000;

      (ii)  a stock option in favor of Paul Nolan for the purchase of 100,000
            shares of Company common stock, exercisable for a period of five
            years at $1.00 per share for 30,000 shares at the end of the first
            calendar year of service on the Company's Board of Directors, 35,000
            shares at the end of the second calendar year of service on the
            Company's Board of Directors, and 35,000 shares at the end of the
            third calendar year of service on the Company's Board of Directors;
            and


                                       15
<Page>

                          SILVER RAMONA MINING COMPANY
                                AND SUBSIDIARIES
             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED)
                                  June 30, 2001

NOTE 3 - ACQUISITIONS (Continued)

      c)    L AND R MORAN, INC. (CONTINUED)

      (iii) a stock option in favor of Paul Nolan for the purchase of 100,000
            shares of Company common stock, exercisable for a period of five
            years at $1.00 per share for 30,000 shares at the end of the first
            calendar year of service with the Company, 35,000 shares at the end
            of the second calendar year of service with the Company, and 35,000
            shares at the end of the third calendar year of service with the
            Company.

            Paul Nolan will serve as a director of the Company, in addition to
            serving as President of Personnel Profiles.

            Closing of the transactions contemplated by the Personnel Profiles
            Agreement occurred as of March 1, 2001.

            As of January 1, 2001, the Company, and L and R Moran, Inc., a Texas
            corporation ("L and R Moran") entered into a Purchase and Sale
            Agreement (the "L and R Moran Agreement"), whereby the Company
            agreed to purchase substantially all the assets of L and R Moran.

            Pursuant to the L and R Moran Agreement, L and R Moran will receive,
            in exchange for substantially all its assets, the following:

      (i)   50,000 shares of common stock of the Company. The 50,000 shares are
            convertible at the option of L and R Moran into $50,000 cash upon
            successful completion by the Company of a private placement offering
            of its common stock in the amount of $2,000,000 on or before July 1,
            2001. In addition, L and R Moran may, at its option, require the
            Company to redeem the 50,000 shares into $50,000 cash in July 2001,
            unless the value of the Company's common stock is $1.00 or more on
            such date.

      (ii)  $950,000, payable out of the proceeds of a primary or secondary
            offering of stock at $1.00 per share.

            As a condition to the consummation of the transactions contemplated
            by the L and R Moran Agreement, the Company is also required to
            execute

      (i)   a three year management agreement by and between L.D. Moran and L
            and R Moran, providing for L.D. Moran to serve as manager of the
            assets acquired from L and R Moran for an annual compensation of
            $97,500;

      (ii)  a stock option in favor of L.D. Moran for the purchase of 100,000
            shares of Company common stock, exercisable for a period of five
            years at $1.00 per share for 30,000 shares at the end of the first
            calendar year of service on the Company's Board of Directors, 35,000
            shares at the end of the second calendar year of service on the
            Company's Board of Directors, and 35,000 shares at the end of the
            third calendar year of service on the Company's Board of Directors;


                                       16
<Page>

                          SILVER RAMONA MINING COMPANY
                                AND SUBSIDIARIES
             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED)
                                  June 30, 2001

NOTE 3 - ACQUISITIONS (Continued)

      c)    L AND R MORAN, INC. (CONTINUED)

      (iii) a stock option in favor of L.D. Moran for the purchase of 100,000
            shares of Company common stock, exercisable for a period of five
            years at $1.00 per share for 30,000 shares at the end of the first
            calendar year of service with the Company, 35,000 shares at the end
            of the second calendar year of service with the Company, and 35,000
            shares at the end of the third calendar year of service with the
            Company; and

      (iv)  a stock option in favor of Royce Moran for the purchase of 100,000
            shares of Company common stock, exercisable for a period of five
            years at $1.00 per share for 30,000 shares at the end of the first
            calendar year of service with the Company, 35,000 shares at the end
            of the second calendar year of service with the Company, and 35,000
            shares at the end of the third calendar year of service with the
            Company.

            L.D. Moran will serve as a director of the Company, in addition to
            serving as manager of the assets acquired from L and R Moran.

            Closing of the transactions contemplated by the L and R Moran
            Agreement occurred as of March 1, 2001.

NOTE 4 - NOTE RECEIVABLE

            Outstanding balance from issuance of Convertible Debenture (see Note
            10).

NOTE 5- PROPERTY AND EQUIPMENT

            Property and equipment is summarized as follows:

<Table>
<Caption>
                                                 June 30,     December 31,
                                                   2001           2000
                                                ---------     ------------
<S>                                             <C>            <C>
            Machinery and Equipment             $  54,338      $ 76,492
            Furniture and Fixtures                108,130         9,620
                                                ---------      --------
                                                  162,468        86,112
            Less: Accumulated Depreciation        (98,598)      (23,446)
                                                ---------      --------
            Property and Equipment, net         $  63,870      $ 62,666
                                                =========      ========
</Table>

            Depreciation expense for the period ended June 30, 2001 and 2000 was
            $7,528 and $6,423, respectively.


                                       17
<Page>

                          SILVER RAMONA MINING COMPANY
                                AND SUBSIDIARIES
             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED)
                                  June 30, 2001

NOTE 6 - NOTES PAYABLE

            Notes payable consisted of the following:

<Table>
<Caption>
                                                              June 30,     December 31,
                                                                2001           2000
                                                             ---------     ------------
      <S>                                                    <C>            <C>
      a)    First Savings Bank - Interest rate 8.4% -
              Due on March 25, 2002                          $ 109,932      $ 109,932
      b)    First Savings Bank - Interest rate 10.5% -
              Due on December 15, 2000                              --          4,000
      c)    First Savings Bank - Interest rate 11%
              Due on April 19, 2002                                 --         10,965
      d)    New Millennium - Convertible promissory note
              Interest rate 8%; due 270 days following
              November 9, 2000                                      --        100,000
            Various Notes Payable - Interest rate 7% -
              Due at various dates to 2002                     146,502        144,299
                                                             ---------      ---------
                                                               256,434        369,196
                       Less: Current Portion                  (204,535)      (331,624)
                                                             ---------      ---------
                       Long-Term Portion                     $  51,899      $  37,572
                                                             =========      =========
</Table>

      a)    On March 25, 1999, the Company refinanced its $110,000 loan with
            First Savings Bank. The loan amount remained $110,000 with interest
            bearing a rate of 7.75% per annum due on March 25, 2000. Interest
            only is payable on April 25, 1999 and then on the 25th day of each
            month thereafter. During March 2000, the Company refinanced the loan
            again. The loan amount remained $110,000 with interest bearing a
            rate of 8.4% per annum due on March 25, 2001. Interest only is
            payable on April 25, 2000 and then on the 25th day of each month
            thereafter. This loan was renewed during March 2001; the terms and
            interest rate stay the same.

      b)    On August 1, 1999, the Company refinanced its $60,159 loan with
            First Savings Bank. The loan bore interest at a rate of 10.5% per
            annum due on August 1, 2000. This loan was then refinanced on
            December 23, 1999. The loan balance totaled $48,000 bearing interest
            at a rate of 10% per annum. The loan is payable in 11 payments of
            $4,000 in principal plus accrued interest beginning on January 15,
            2000 and payable the 15th day of every month thereafter until
            December 15, 2000 when the entire balance shall be due. As of
            December 31, 2000, this loan was in default for the last payment of
            $4,000. However, this note was paid in full in the subsequent
            months.

      c)    On April 19, 2000, the Company borrowed $15,000 from First Savings
            Bank. The loan bears interest at a rate of 11% per annum. The loan
            is payable in 24 payments of $699 in principal plus accrued interest
            beginning on May 19, 2000 and payable the 19th day of every month
            thereafter until April 19, 2002 when the entire balance shall be
            due. The loan is collateralized by certain accounts receivable,
            inventory and equipment. As of June 30, 2001, this loan was paid in
            full.


                                       18
<Page>

                          SILVER RAMONA MINING COMPANY
                                AND SUBSIDIARIES
             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED)
                                  June 30, 2001

NOTE 6 - NOTES PAYABLE (Continued)

      d)    Convertible debentures consisted of notes payable in the amount of
            $100,000 bearing interest at 8% per annum, payable on the 270th day
            following November 9, 2000. These debentures are convertible into
            shares of the Company's common stock at the option of the holder by
            dividing the outstanding principal and interest by the conversion
            price which shall be equal to or the lesser of (1) 65% of the
            average bid price during the 10 trading days preceding the
            conversion date; or (2) U.S. $1.429 per share of common stock.

NOTE 7 - CONVERTIBLE NOTES PAYABLE

            Convertible noes payable consist of the following:

<Table>
<Caption>
                                                         June 30,
                                                          2001
                                                       ----------
            <S>                                        <C>
            a) Selling of Career Direction, Inc.       $  750,000
            b) Selling of Personnel Profiles, Inc.        437,500
            c) Selling of L & R Moran, Inc.               950,000
                                                       ----------
                                                        2,137,500
                           Less: Current Portion        1,350,000
                                                       ----------
                           Long-Term Portion           $  787,500
                                                       ==========
</Table>

      a)    On January 1, 2001, the Company acquired Career Direction, Inc. for
            1,000,000 shares of common stock. At the election of Career
            Direction seller, in the event the Company conducts a primary or
            secondary offering of its stock that generates proceeds of at least
            $1,000,000. Each quarterly installment of 50,000 shares is
            convertible to cash in the amount of $50,000. These contingent cash
            obligations of the Company are secured pursuant to a convertible
            promissory note (see Note 3).

      b)    The Company acquired Personnel Profiles, Inc. for a $500,000
            convertible note payable at a convertible rate of $62,500 at the end
            of each calendar quarter beginning March 31, 2001, upon the
            successful completion by the Company of a private placement offering
            of its common stock in the amount of at least $1,000,000 (see Note
            3).

      c)    The Company acquired L and R Moran, Inc., for 50,000 shares of
            common stock and $950,000 notes payable out of the proceeds of
            primary or secondary offering of stock at $1.00 per share (see Note
            3).

NOTE 8 - COMMITMENTS AND CONTINGENCIES

            The Company leases office space in Dallas, Texas under an operating
            lease expiring July 31, 2004. Minimum monthly payments under the
            lease total $6,045.


                                       19
<Page>

                          SILVER RAMONA MINING COMPANY
                                AND SUBSIDIARIES
             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED)
                                  June 30, 2001

NOTE 8 - COMMITMENTS AND CONTINGENCIES (Continued)

            On March 1, 2000, the Company entered into an operating lease for
            office space located in New York, New York. Minimum monthly payments
            under the lease total $1,450.

            L&R Moran leased office space under an operating lease expiring May
            31, 2001. Minimum monthly payments under the lease total $2,473.

            Career Direction leased office space under an operating lease
            expiring January 31, 2003. Minimum monthly payments under the lease
            total $1,745.

            Personnel Profiles leased office space under an operating lease
            expiring June 30, 2002. Minimum monthly base rent under the lease
            totaled $2,020 and $2,081 for 2001 and 2002, respectively.

            Rent expense under operating leases for the three months ended June
            30, 2001 and 2000, was approximately $76,020 and $18,843,
            respectively.

            On February 5, 2001, the Company factored its accounts receivable. A
            lien was filed against all accounts receivable.

NOTE 9 - PREFERRED STOCK

            On September 20, 1999, Achievement Tec amended their Articles of
            Incorporation to have the authority to issue 1,000,000 shares of
            newly created preferred Class A stock with no par value. The
            preferred shares were convertible on a 1:1 basis with Achievement
            Tec's commons stock.

            During the period from January 1, 2000 to November 9, 2000,
            Achievement Tec issued 419,874 shares of preferred stock for
            $600,000. As of November 9, 2000, 559,832 shares of preferred stock
            have been converted into the Company's common stock per the merger
            agreement.

            As of June 30, 2001, $400,000 was received on the sale of preferred
            stocks.

NOTE 10 - CONVERTIBLE DEBENTURES

            Achievement Tec Holdings, Inc. (formerly known as Silver Ramona
            Mining, Inc.,a Delaware corporation (the "Company") has entered into
            a Secured ConvertibleDebenture Purchase and Exchange Agreement dated
            as of June 29, 2001, by and among the Company and AJW Partners, LLC
            and New Millennium Capital Partners II, LLC. Pursuant to the
            Purchase Agreement, the Purchasers agreed, subject to the terms and
            conditions of the PurchaseAgreement, to purchase an aggregate
            principal amount of $1,193,658.60 of theCompany's 10% Secured
            Convertible Debentures, due twenty-four months from issuance. The
            Debentures are convertible into shares of the Company's common
            stock, $.001 par value per share (the "Common Stock").As
            consideration for the purchase of the Debentures, the Purchasers (i)
            paid $250,000; (ii)


                                       20
<Page>

NOTE 10 - CONVERTIBLE DEBENTURES(Continued)

            exchanged convertible debentures of the Company in the aggregate
            principal amount of $105,019.18; and (iii) exchanged 586,375
            sharesof Common Stock. In addition, the Purchasers agreed to pay an
            additional$250,000 (Note 4) for additional Debentures in that
            amount, to be paid on the second trading day after the effective
            date of a registration statement filed withthe Securities and
            Exchange Commission under the Securities Act of 1933, as amended,
            covering all shares of Common Stock into which the Debentures are
            convertible.

ITEM 2. MANAGEMENT'S DISCUSSION AND ANALYSIS OR PLAN OF OPERATION

DISCUSSION OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS

OVERALL OPERATIONS

The second quarter of 2001 saw further consolidation of the Company's first
quarter acquisitions, Career Direction, Inc., which operates as the job fair
operation of the Company, and Personnel Profiles, Inc., which operates as the
wholesale independent consultant operation of the Company. Additionally the
Company consolidated the operations of L&R Moran, Inc, which operates the
background check operation of the Company. The financial results of the second
quarter reflect the consolidated operations of the Company and the three
acquisitions.

In addition to the further consolidation, management began planning cost
reduction measures to improve the Company's profitability. These measures will
begin to be implemented in the third quarter and will result in an immediate
reduction in expenditures associated with operations.

RESULTS OF OPERATIONS

For the quarter ended June 30, 2001, the Company recorded an operating loss
of $ 426,855. A one-time gain on a stock conversion transaction yielded
additional income of $ 249,290, resulting in a net loss for the period of $
202,096, or .02 per share. The results for the six month period ending June
30, 2001 reflect a net loss of 397,838, or .04 per share.

TOTAL REVENUE

Total revenue for the quarter ending June 30, 2001 was $ 889,265. Total revenue
for the six months ending was $ 1,877,432. The slowing economy continues to have
a dramatic impact on the labor market throughout the country, impairing the
Company's financial results. The second quarter continued the trend of dramatic
downsizing as companies continued to layoff workers in record numbers. In such a
labor market, companies are less willing to allocate funds to employment
solutions. Thus, the Company's revenues continued to decline in the second
quarter. Additionally, the second quarter and the first half of the third
quarter are somewhat cyclical in terms of the Company's revenues. Traditionally,
companies ramp up their expenditures for employment screening and recruiting in
the first quarter of a calendar year. In the second and third quarters, those
expenditures diminish and increase again the fourth quarter. Management believes
that some of the revenue decline experienced by the Company is related to this
cyclical nature of the industry.

SELLING, GENERAL AND ADMINSTRATIVE EXPENSES

Selling, General and Administrative expenses for the quarter ending June 30,
2001 totaled $ 1,316,119. The total Selling, General and Administrative expenses
for the six months ending June 30, 2001 were $ 2,480,236. The increase in the
second quarter is largely attributed to recurring costs associated with a
receivables financing agreement.

EXTRAORDINARY ITEMS

The Company has recognized income from the conversion of common stock to
convertible debentures of $ 249,290 for the quarter ending June 30, 2001 and
the six months ending June 30, 2001 respectively.


                                       21
<Page>

LIQUIDITY AND CAPITAL RESOURCES

The Company's cash and cash equivalents at June 30, 2001 were $ 62,295 The
Company has a Note Receivable in the amount of $ 250,000 due within two trading
days after the Company's registration statement for the shares underlying the
Company's convertible debentures becomes effective with the Securities and
Exchange Commission.

OTHER EVENTS

Achievement Tec Holdings, Inc., a Delaware corporation (the "Company") has
entered into a Secured Convertible Debenture Purchase and Exchange Agreement
dated as of June 29, 2001 (the "Purchase Agreement"), by and among the Company
and AJW Partners, LLC and New Millennium Capital Partners II, LLC (individually
a "Purchaser" and collectively the "Purchasers"). Pursuant to the Purchase
Agreement, the Purchasers agreed, subject to the terms and conditions of the
Purchase Agreement, to purchase an aggregate principal amount of $1,192,949.06
of the Company's 10% Secured Convertible Debentures, due twenty-four months from
issuance (the "Debentures"). The Debentures are convertible into shares of the
Company's common stock, $.001 par value per share (the "Common Stock"). As
consideration for the purchase of the Debentures, the Purchasers (i) paid
$250,000; (ii) exchanged convertible debentures of the Company in the aggregate
principal amount of $105,019.18; and (iii) exchanged 586,375 shares of Common
Stock. In addition, the Purchasers agreed to pay an additional $250,000 for
additional Debentures in that amount, to be paid on the second trading day after
the effective date of a registration statement filed with the Securities and
Exchange Commission under the Securities Act of 1933, as amended, covering all
shares of Common Stock into which the Debentures are convertible. At closing,
the Company executed and delivered a Registration Rights Agreement among the
Company and the Purchasers, Transfer Agent Instructions delivered to and
acknowledged in writing by the Company's transfer agent, a Security Agreement
among the Company and the Purchasers pursuant to which the Company and its
subsidiaries granted to the Purchasers a second priority security interest in
their assets to secure performance under the Debentures, and an Intellectual
Property Security Agreement among the Company and the Purchasers pursuant to
which the Company and its subsidiaries granted to the Purchasers a second
priority security interest in their intellectual property assets to secure
performance under the Debentures. The details of this transaction may be found
in an 8K statement filed with the Securities and Exchange Commission.

SUBSEQUENT EVENTS

On July 19, 2001, Career Direction, Inc. ("Career Direction"), Achievement Tec,
Inc. ("Achievement Tec"), Achievement Tec Holdings, Inc. (the "Company"), and
Joe and Karen Loyd (collectively, the "Loyds") entered into an agreement (the
"Modification and Termination Agreement") to modify and terminate certain
agreements previously entered into between the Loyds and the Company.
Specifically, the parties agreed to modify the Purchase and Sale Agreement dated
as of January 1, 2001 (the "Purchase and Sale Agreement") pursuant to which the
Company purchased all the issued and outstanding stock in Career Direction from
the Loyds, and to terminate the employment agreements dated as of January 1,
2001 pursuant to which Career Direction agreed to employ the Loyds. In
connection with the acquisition of Career Direction by the Company, Joe Loyd
became a director of the Company, in addition to serving as President of Career
Direction. The details of this transaction may be found in an 8K statement filed
with the Securities and Exchange Commission.

                                     PART II
                                OTHER INFORMATION

ITEM 1. LEGAL PROCEEDINGS

      There are presently no material pending legal proceedings to which the
Company or any of its subsidiaries is a party or to which any of its property is
subject and, the best of its knowledge, no such actions against the Company are
threatened.

ITEM 2. CHANGES IN SECURITIES

      The Company entered into a Secured Convertible Debenture Purchase and
Exchange Agreement dated as of June 29, 2001 (the "Purchase Agreement"), by and
among the Company and AJW Partners, LLC and New Millennium Capital Partners II,
LLC (individually a "Purchaser" and collectively the "Purchasers"). Pursuant to
the Purchase Agreement, the Purchasers purchased an aggregate principal amount
of $1,442,949.09 of the Company's 10% Secured Convertible Debentures, due
twenty-four months from issuance (the "Debentures").


                                       22
<Page>

The Debentures are convertible into shares of the Company's common stock. As
consideration for the purchase of the Debentures, the Purchasers (i) paid
$500,000; (ii) exchanged convertible debentures of the Company in the aggregate
principal amount of $105,019.18; and (iii) exchanged 586,375 shares of common
stock. The transaction was structured so as to comply with Section 4(2) of the
Securities Act of 1933, as amended.

ITEM 3. DEFAULTS UPON SENIOR SECURITIES

      This Item is not applicable to the Company.

ITEM 4. SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS

      During the quarter ended June 30, 2001, the Company mailed to its
stockholders and Information Statement to inform all stockholders of the
following:

      1.    The election of Neil H. Powell, Jr. and Mary Jo Zandy to the Board
            of Directors of the Company, to serve until the next Annual Meeting
            and until their successors have been elected and qualified; and
      2.    The approval of an amendment to the Company's Certificate of
            Incorporation to change the name of the Company to "Achievement Tec
            Holdings, Inc."

      The aforementioned actions were approved on May 31, 2001 by written
consent of the holders of 5,100,149 shares of the Company's common stock,
representing approximately 51% of the outstanding common stock, such approval to
be effective 20 days after the Company has mailed the Information Statement to
the stockholders. The names of each director whose term of office continued
after the approval of the aforementioned actions are: Milton Cotter, Richard
Berman, Joe C. Loyd and Eric Cotter.

ITEM 5. OTHER INFORMATION

      This Item is not applicable to the Company.

ITEM 6. EXHIBITS AND REPORTS ON FORM 8-K

      (a)   Exhibits

      10.1  Silver Ramona Mining, Inc. 10% Secured Convertible Debenture Due
            August 13, 2003 in the principal sum of $125,000, issued to New
            Millennium Capital Partners II, LLC.
      10.2  Silver Ramona Mining, Inc. 10% Secured Convertible Debenture Due
            August 13, 2003 in the principal sum of $125,000, issued to AJW
            Partners, LLC.


                                       23
<Page>

      (b)   Reports on Form 8-K

            During the quarter ended June 30, 2001, the Company filed the
            following reports on Form 8-K:

            Registrant filed a Form 8-K on April 9, 2001, listing Item 4
            (Changes in Registrant's Certifying Accountant) in connection with
            the dismissal of HJ Associates, LLC as the Company's principal
            independent accountant, and the engagement of Merdinger, Fruchter,
            Rosen & Corso, P.C. as the Company's principal independent
            accountant for the fiscal year ended December 31, 2000. The Form 8-K
            was amended on May 14, 2001 to include as an exhibit the letter from
            HJ & Associates, LLC, addressed to the Securities and Exchange
            Commission, in accordance with Item 304(a)(3) of Regulation SKB.

            Registrant filed an amended Form 8-K on May 15, 2001, listing Item 2
            (acquisition or disposition of assets) in connection with the
            acquisition of Career Direction, Inc., Personnel Profiles, Inc. and
            L+R Moran, Inc., and Item 7 (financial statements, pro forma
            financial information and exhibits) which included the following
            financial statements: Career Direction, Inc., Personnel Profiles,
            Inc. and L+R Moran, Inc. Financial Statements as of December 31,
            2000 and 1999 (audited) and Silver Ramona Mining Company unaudited
            Proforma Consolidated Financial Data as of December 31, 2000.

                                   SIGNATURES

      In accordance with requirements of the Exchange Act, the Registrant caused
this report to be signed on its behalf by the undersigned, thereunto duly
authorized.

SILVER RAMONA MINING, INC.


BY: \s\ Milton S. Cotter
------------------------
NAME:  Milton S. Cotter
TITLE: President and Chief Executive Officer


BY: \s\ Eric Cotter
------------------------
NAME:  Eric Cotter
TITLE: Principal Financial Officer

Dated: August 14, 2001


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