Document:

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                                                                   EXHIBIT 10.1

                             DEMAND PROMISSORY NOTE

$2,000,000                                                     July 18, 2001

             FOR VALUE RECEIVED, PURCHASESOFT, INC, a Delaware corporation
("Borrower"), promises to pay to the order of L-R GLOBAL PARTNERS, L.P., a
New York limited partnership ("Lender"), at such place as the holder hereof
may designate, in lawful money of the United States of America, the principal
sum of Two Million Dollars ($2,000,000), plus interest as hereinafter
provided, on demand. This Note shall bear interest on the unpaid principal
amount hereof at the rate of 6% per annum; PROVIDED, that interest shall
accrue at the rate of 8% per annum on any principal or accrued interest that
is not paid within five days of written demand, from the date of such demand
until the date of payment.

             Borrower waives presentment, demand, protest, notice of protest,
notice of dishonor, notice of nonpayment, any and all other notices and
demands in connection with the delivery, acceptance, performance, default or
enforcement of this Note. No delay by the holder hereof in exercising any
power or right in respect of this Note shall operate as a waiver of such or
any other power or right.

             Borrower may at any time prepay in whole or in part, from time
to time, the outstanding principal amount of this Note, together with accrued
interest to date of payment on the principal amount so prepaid.

             Borrower shall pay the holder hereof all costs and expenses of
collection of this Note, including without limitation reasonable attorneys'
fees.

             This Note shall be deemed to be made under and shall be
construed in accordance with and governed by the laws of the State of New
York.

                                    PURCHASESOFT, INC.

                                    By  /s/ Philip D. Wolf
                                        -------------------------------------
                                        Philip D. Wolf
                                        Chief Financial Officer and Treasurer<PAGE>

                                                                    EXHIBIT 10.1

                                  AGREEMENT

     This Agreement ("Agreement") entered into by and among Career Direction,
Inc. ("CD"), Joe Loyd, Karen Loyd, Achievement Tec, Inc. ("AT") and
Achievement Tec Holdings, Inc. ("ATH"), is executed this 19th day of July,
2001.

                                   RECITALS

     WHEREAS, Achievement Tec Holdings, Inc., a Delaware corporation,
formerly known as Silver Ramona Mining, Inc., entered into that Purchase and
Sale Agreement with the Loyd's on January 1, 2001 for the purchase of all the
issued and outstanding stock in Career Direction, Inc., a Texas corporation;
and

     WHEREAS, Joe Loyd and Karen Loyd entered into employment agreements with
Career Direction, Inc., effective January 1, 2001; and

     WHEREAS, the parties desire to terminate the employment agreements
entered into between the Loyds and "CD," and release and discharge Career
Direction and any parent or affiliated company from all liability under the
employment agreements; and

     WHEREAS, Achievement Tec will provide compensation to Joe Loyd and Karen
Loyd as provided for in this Agreement,

     NOW THEREFORE, in consideration of the premises and mutual covenants set
forth herein, the parties agree as follows:

                                 WITNESSETH:

     1.   CONSIDERATION. In consideration for the termination of the
     employment agreements with Career Direction, Inc., and for the purchase of
     all the stock in Career Direction, Inc., a Texas corporation, AT agrees to
     pay Joe Loyd and Karen Loyd jointly the following:

          1.1     $10,000.00 at closing as defined in this Agreement.

          1.2     AT will pay $10,000.00 per month to Joe and Karen Loyd for
          24 months, first payment being due on August 19, 2001, and payments
          due thereafter on the 19th of each month for a total of cash paid
          in the amount of $250,000.00, at no interest.

          1.3     Achievement Tec agrees to file the required documents with
          the SEC to change the registration status of the 250,000 shares of
          ATH common stock which has been issued as of the date of this
          Agreement to Joe Loyd and Karen Loyd from unregistered to
          registered stock.

          1.4     The balance of the purchase price paid in 500,000 shares of
          AT stock to be issued quarterly in common stock of ATH at 50,000
          shares per quarter for ten quarters, beginning on November 1st of
          2001. Achievement Tec agrees to file with the SEC to register
          shares covered in this section 1.4. Stock certificates will be
          issued under this section expeditiously or as permitted by law.

     2.   RELEASE. Except as otherwise provided in this Agreement, Joe Loyd and
     Karen Loyd, for and in consideration recited in this Agreement, have
     agreed to and do hereby release and forever discharge Achievement Tec
     Holdings, Inc., Achievement Tec, Inc., and Career Direction, Inc., their
     officers, directors, agents, representatives and shareholders, from any
     and

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     all claims, demands, causes of action and liabilities of whatsoever kind
     or nature, whether now known or not known, arising from their
     employment, including any and all claims, demands or causes of action
     alleged or might have been alleged by Joe Loyd and Karen Loyd in
     connection with employment agreements of January 1, 2001, or that
     Convertible Promissory Note of January 1, 2001, or that Purchase and
     Sale Agreement of January 1, 2001. It being intended hereby that this
     Release is and shall constitute a full, final and universal release of
     AT, ATH and CD, their officers, directors, agents, representatives and
     shareholders, for any claims arising from the Employment and Purchase
     and Sale Agreements. Joe and Karen Loyd acknowledge that each has read
     the above and foregoing release and they fully understand its terms and
     conditions and they have had their opportunity to confirm with counsel
     of their own choosing with reference to the legal effect and
     consequences of the execution of this release and that they are
     executing this release of their own free will and with the intention of
     being fully bound by its terms and conditions. The parties acknowledge
     that the Employment Agreements are terminated except for the
     requirements for confidentiality.

     3.   RESTRICTIVE COVENANTS. In consideration for the payment recited in
     this Agreement, and for the provision to Joe Loyd and Karen Loyd of
     employers' trade secrets and confidential information previously
     provided, Joe Loyd and Karen Loyd hereby agree as follows:

          3.1     For a period of three years following the execution of this
          Agreement, Joe Loyd and Karen Loyd shall not serve as an officer,
          director, employee or representative or an owner of more than 1% of
          the outstanding capital stock of any corporation or an owner of any
          interest in any business which solicits, hires or otherwise
          attempts to induce any employees, agents or representative of
          Career Direction, Inc., Achievement Tec, Inc., or Achievement Tec
          Holdings, Inc., to terminate their positions as an agent, employee
          or representative of those companies.

          3.2     For a period of three years following the execution of this
          Agreement, Joe Loyd and Karen Loyd shall not directly or
          indirectly, compete with CD or AT by being an officer, director,
          employee or representative or consultant, or a record or beneficial
          owner of more than 1% of the outstanding stock of a corporation, or
          an owner of any interest in, or employee of any business which
          conducts the business of career fairs or related employment
          services in any area of influence of Career Direction, AT or any
          affiliate. AREA OF INFLUENCE is defined as any market in which CD,
          AT or any affiliate markets or operates job fairs in North America.

          3.3     In the event that court or agency holds Section 3 constitutes
          an unreasonable restriction upon Joe Loyd or Karen Loyd, the parties
          to this agreement agree that the provisions of this Section 3 shall
          not be rendered void, but shall apply as time and territory and to
          such other extent as a court may rule as reasonable restrictions
          under the circumstances.

          3.4     In the event that AT or CD fails, for ten (10) days, to make
          any payments when herein due or fails to issue any stock as
          provided for in Section 1, "Consideration," and CD fails to remedy
          said breach within 10 days of receiving written notice from Joe
          Loyd or Karen Loyd that a breach has occurred, Joe Loyd and Karen
          Loyd shall be released from the obligations of Section 3.1 and 3.2
          hereof. This release shall not effect any other remedy they may
          have as a result thereof.

     4.   CLOSING. Closing shall occur at the offices of Achievement Tec, Inc.,
     2100 Highway 360N, Suite 400B, Grand Prairie, TX 75050, no later than
     5:00 p.m., July 19, 2001.

     5.   MISCELLANEOUS.

          5.1     All credit cards personally guaranteed by Joe Loyd or Karen
     Loyd will be canceled upon closing.

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          5.2     Achievement Tec Holdings, Inc., will pay Sean Self and
     Darrell Noblitt their commissions accruing prior to January 1, 2001, no
     later than December 31, 2001.

          5.3     Achievement Tec Holdings, Inc., will assume all liability
     existing under the Highland Village lease (Career Direction).

          5.4     Each party shall pay its own legal expenses incurred during
     negotiating, preparation and finalizing this Agreement.

          5.5     Joe Loyd agrees to execute his resignation of the office of
     President of CD, as well as director of CD and director of ATH. Karen
     Loyd agrees to execute her resignation as secretary of CD and director
     of CD.

          5.6     Karen Loyd will provide a signed affidavit in connection with
     the defense of the Point Group litigation, if required.

     6.   GOVERNING LAW. This Agreement is construed under the laws of the
     State of Texas and governed in accordance with Texas law.

     7.   RETURN OF PROPERTY. Joe Loyd and Karen Loyd shall return all CD
     property (such as keys, computers, disks, etc.) if requested by AT
     managers.

     8.   ANNOUNCEMENT TO CD CLIENTS. To ensure a smooth transition, Joe and
     Karen Loyd agree to publish an announcement to CD clients, advising them
     of the change and ensuring them that operations will continue to run in
     the high quality manner they have come to expect from CD.

     9.   ASSUMPTION OF LIABILITIES. AT assumes only those liabilities or
     payables of CD listed on Schedule attached hereto as Exhibit A in the
     amount of $239,285.02, and those amounts may vary no more than five (5)
     percent, plus or minus. The Loyds affirm that to the best of their
     knowledge they have not incurred any debt on behalf of the company in
     the last thirty (30) days that would exceed this variance.

     This Agreement executed by the parties as of the date and year first
     above written.

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Achievement Tec, Inc.
Milton S. Cotter, President

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Achievement Tec Holdings, Inc.
Milton S. Cotter, President

--------------------------
Career Direction, Inc.
Joe Loyd, President

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Joe Loyd

---------------------------
Karen Loyd

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