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                                                                   EXHIBIT 10.11
                                   EXHIBIT "D"

                             STOCK PLEDGE AGREEMENT

         THIS STOCK PLEDGE AGREEMENT (this "PLEDGE AGREEMENT") is effective as
of the 15th day of August, 2000, by and between Compass Knowledge Holdings,
Inc., a Nevada corporation, (the "PLEDGOR") and Firstar Bank, Firstar Bank, N.A.
Corporate Trust Dept., 425 Walnut Street, Cincinnati, OH 45201, Trustee
("Pledgee") for the Shareholders listed on the signature page of this Agreement
(collectively the "Shareholder").

                              W I T N E S S E T H:

         WHEREAS, that certain Agreement and Plan of Stock Purchase (the "STOCK
PURCHASE AGREEMENT") was entered into on August 15, 2000 by and among Compass
Knowledge Holdings, Inc., a Nevada corporation, Compass Acquisition Corp., a
Florida corporation, the Shareholders and Jamita, Inc., an Ohio corporation
("Jamita").

         WHEREAS, pursuant to the terms and conditions of the Stock Purchase
Agreement, the Shareholder will receive, in addition to certain cash
consideration, the right to receive common shares of Pledgor (the
"Obligations"); and

         WHEREAS, the Shareholder is desirous of securing the payment of the
Obligations and Pledgor is agreeable all on the following terms and conditions
hereinafter set forth; and

         WHEREAS, it is a condition precedent to the Closing of the Stock
Purchase Agreement that Pledgor shall have executed and delivered this Pledge
Agreement to the Shareholder and Pledgee.

         NOW, THEREFORE, for valuable consideration, the receipt and sufficiency
of which are hereby acknowledged and confessed, Pledgor covenants, represents
and agrees with Pledgee as follows:

         1. PLEDGE. Upon the terms hereof, Pledgor hereby pledges and assigns to
Pledgee, and grants to Pledgee, as trustee for the benefit of the Shareholder, a
security interest in and to all of the following property, and all rights,
titles and interests of Pledgor therein (all of the following being sometimes
referred to herein collectively as the "PLEDGED INTERESTS"): (a) all the duly
authorized, issued and outstanding restricted common stock of Jamita which
Pledgor or its subsidiaries shall own subsequent to the closing of the Stock
Purchase Agreement and the closing of that certain Agreement and Plan of Stock
Purchase with respect to the acquisition of Rutherford Learning Group, Inc.
which shall be no less than 90% of the total issued and outstanding shares of
Jamita considering the 10% equity interest that will be owned by Mr. Michael
Rutherford (the "PLEDGED SHARES"); (b) all cash, securities, dividends, and
other property at any time and from time to time receivable or otherwise
distributed in respect of or in exchange for any or all of the Pledged Shares
and any other property substituted or exchanged therefor; and (c) all proceeds
and/or other sums arising from or by virtue of, and all dividends and
distributions (cash or otherwise) payable and/or distributable with respect to,
all or any of, the Pledged Shares.

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         2. SECURED OBLIGATION. The security interest herein granted (the
"SECURITY INTEREST") shall secure the prompt and complete payment and
performance when due (whether at the stated maturity, by acceleration or
otherwise) of the Obligations. Upon full payment of the Obligations, the
Security Interest shall automatically be released by Pledgee, the Shareholder
and any Successor in interest. In the event there is a dispute as to whether or
not full payment of the Obligations has been made, the parties will, in good
faith, attempt to resolve any such disputes and if such disputes can not be
resolved within 30 days of the requested release, such disputes shall be
resolved in accordance with Section 18 below.

         3. REPRESENTATIONS AND WARRANTIES; RELATED COVENANTS. Pledgor
represents, warrants, covenants and agrees to and with the Shareholder that: (a)
Pledgor is the legal and beneficial owner of the Pledged Shares; (b) the Pledged
Shares are, and the Pledged Shares hereafter created or acquired shall be at the
time of creation or acquisition of such additional shares, duly authorized and
issued, fully paid and non-assessable, and all documentary, stamp or other taxes
or fees owing in connection with the issuance, transfer and/or pledge thereof
have been paid; (c) no dispute, right of setoff, counterclaim or defense exists
with respect to all or any part of the Pledged Interests; (d) the Pledged
Interests are free and clear of all liens, mortgages, pledges, charges, security
interests or other encumbrances, options, warrants, puts, calls and other rights
of third persons, and restrictions, other than (i) this Security Interest and
(ii) restrictions on transferability imposed by applicable state and federal
securities laws; (e) Pledgor has full right and authority to pledge the Pledged
Interests for the purposes and upon the terms set out herein, and the execution,
delivery and performance of this Pledge Agreement are not in contravention of
any indenture, agreement or undertaking to which Pledgor is a party or by which
Pledgor is bound; and (f) the original certificates representing the Pledged
Shares have been delivered to Pledgee. Notwithstanding anything herein to the
contrary, any reference to Pledged Interests with respect to any provision
contained herein shall exclude for these purposes all matters including, without
limitation, all disputes, rights of setoff, counterclaims, defenses, liens,
mortgages, pledges, charges, security interests or other encumbrances, options,
warrants, puts, calls and other rights of third persons which arise from,
through or out of unauthorized actions or omissions of the Shareholder or the
Pledgee.

         4. COVENANTS. (a) FURTHER ACTS, ASSURANCES. Pledgor covenants and
agrees to from time to time promptly execute and deliver to Pledgee all such
other assignments, certificates, supplemental writings and financing statements
as the Pledgee reasonably requests in order to perfect or evidence the Security
Interest. Pledgor further agrees that if Pledgor shall at any time acquire any
additional shares or other equity interests therein in respect of such Pledged
Shares, and whether such acquisition shall be by purchase, exchange,
reclassification, dividend or otherwise, Pledgor shall forthwith (and without
the necessity for any request or demand by Pledgee) deliver the certificates
representing such shares or interests to Pledgee, in the same manner and with
the same effect as described in SECTIONS 1 through 3 hereof. Upon delivery, such
shares shall thereupon constitute Pledged Interests and shall be subject to the
Security Interest herein created, for the purposes and upon the terms and
conditions set forth in this Pledge Agreement.

         (b) NO TRANSFER OR HYPOTHECATION. Pledgor will not, without the prior
written consent of Shareholder, transfer, assign, dispose of its right, title or
interest in the Pledged Interests, or any part thereof, or create directly or
indirectly any other security interest or otherwise encumber any of the Pledged
Interests, or permit any of the Pledged Interests to ever be or become subject
to any warrant, put, option or other rights of third persons or any attachment,

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execution, sequestration or other legal or equitable process, or any security
interest or encumbrance of any kind, except which may arise from, through or out
of unauthorized actions or omissions of the Shareholder or Pledgee. Pledgor will
warrant and defend the security interests created hereby against the claims of
all third parties other than those claims arising out of or through the
unauthorized actions or omissions of the Shareholder and/or Pledgee.

          (c) INSPECTION. Pledgor shall allow Pledgee and Shareholders upon
reasonable written request within reasonable time parameters to inspect all
records of Pledgor relating to the Pledged Interests, and to make and take away
copies of such records during normal business hours.

         (d) CHANGES. Pledgor shall promptly notify Pledgee of any material
change in any fact or circumstance warranted or represented by Pledgor in this
Pledge Agreement or in any other writing furnished by Pledgor to Pledgee in
connection with the Pledged Interests.

         (e) CLAIMS. Pledgor shall promptly notify Pledgee of any claim, action
or proceeding affecting title to the Pledged Interests, or any part thereof, or
the Security Interest, and at the request of Pledgee, appear in and defend, at
Pledgor's expense, any such action or proceeding.

         (f) COSTS. Pledgor shall promptly pay to Pledgee the amount of all
reasonable fees, costs and expenses of Pledgee, including, but not limited to,
attorneys' fees, incurred by Pledgee in connection with the enforcement of the
rights of Pledgee hereunder.

         5. CONVERSIONS; ETC. Should the Pledged Shares, or any part thereof,
ever be in any manner converted into another property of the same or another
type or any money or other proceeds ever be paid or delivered to Pledgor as a
result of Pledgor's rights in the Pledged Shares, then in any such event (except
as otherwise provided herein), all such property, money and other proceeds shall
be and/or become part of the Pledged Interests, and Pledgor covenants forthwith
to pay or deliver to Pledgee all of the same which is susceptible of delivery;
and at the same time, if Pledgee deems it necessary and so requests, Pledgor
will properly endorse or assign the same to Pledgee. Without limiting the
generality of the foregoing, Pledgor hereby agrees (i) that the shares of
capital stock of the surviving corporation in any merger or consolidation
involving any of the Pledged Interests shall be deemed to constitute the same
property as the Pledged Interests, and (ii) to cause any payments to be received
by Pledgor upon the redemption, conversion or transfer of any of the Pledged
Shares to be delivered directly and immediately to Pledgee for application by
Pledgee to the Obligations. With respect to any such property of a kind
requiring an additional security agreement, financing statement or other writing
to perfect a security interest therein in favor of Pledgee, Pledgor will
forthwith execute and deliver to Pledgee such documentation as Pledgee shall
reasonably request to create and perfect the liens and security interests
intended to be created herein.

         6. PAYMENTS ON THE PLEDGED SHARES. With respect to any instruments or
warrants that are or become part of the Pledged Shares, Pledgee, without notice
to Pledgor, shall have the right at any time and from time to time, after the
occurrence and during the continuance of an Event of Default, to notify and
direct Pledgor to thereafter make all payments on such Pledged Shares directly
to Pledgee, regardless of whether Pledgor was previously making collections
thereon, and, with respect to such instruments or warrants that are stock
certificates, shares of capital or permanent reserve fund stock or beneficial

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interest, or other securities, Pledgee shall have authority, after the
occurrence and during the continuance of an Event of Default, without further
notice to Pledgor, either to have them registered in Pledgee's name, or in the
name of Pledgee's nominee, or, with or without registration, to demand and to
receive a receipt for, any and all distributions payable with respect thereto,
regardless of the medium in which paid and whether they be ordinary or
extraordinary.

         7. PRESERVATION OF PLEDGED SHARES. Pledgee shall, for the benefit of
the Shareholder, have responsibility for and the obligation and duty with
respect to all or any part of the Pledged Interests or any matter or proceeding
arising out of or relating thereto, to, without limitation, the obligation and
duty to collect any sums due in respect thereof or to protect or preserve any
rights against prior parties or any other rights pertaining thereto and
distribute the appropriate amounts to the Shareholder. Notwithstanding, it being
understood and agreed that Pledgor shall be responsible generally for the
preservation of all rights in the Pledged Interests and the rights of the
Shareholder in respect thereof other than those claims arising out of or through
the unauthorized actions or omissions of the Shareholder or the Pledgee.

         8. RIGHTS OF PARTIES BEFORE AND AFTER THE OCCURRENCE OF AN EVENT OF
DEFAULT.

                  (a) RIGHTS PRIOR TO AN EVENT OF DEFAULT. Unless and until an
         Event of Default shall occur,

                           (i) Pledgor shall be entitled to receive all cash
                  dividends paid or to be paid to Pledgor in respect of or
                  attributable to the Pledged Shares and any and all other
                  Distributions (hereinafter defined), except as provided in the
                  following sentence. Notwithstanding the foregoing, Pledgee
                  shall be entitled to receive, whether or not an Event of
                  Default has occurred, any and all Distributions of stock,
                  whether as a result of a stock dividend, stock split or
                  otherwise. As used herein "Distributions" shall mean the
                  retirement, redemption, purchase or other acquisition for
                  value of the Pledged Shares, the declaration or payment of any
                  dividend or other distribution on or with respect to the
                  Pledged Shares, and any other payment made with respect to the
                  Pledged Shares. All such Distributions of stock and, after the
                  occurrence of an Event of Default, any and all other
                  distributions, shall if received by any entity other than
                  Pledgee, be held in trust for the benefit of the Shareholder
                  and shall forthwith be delivered to Pledgee (accompanied by
                  proper instruments of assignment and/or stock and/or bond
                  powers executed by Pledgor in accordance with Pledgee's
                  instructions) to be held subject to the terms of this Pledge
                  Agreement. Any cash proceeds of the Pledged Interests which
                  come into the possession of Pledgee may, at Pledgee's option,
                  be applied in whole or in part to the Obligations (to the
                  extent then due), be released in whole or in part to or on the
                  written instructions of Pledgor, or be retained in whole or in
                  part by Pledgee as additional security for the payment and
                  performance of the Obligations. Pledgee shall never be
                  obligated to make any investment of such proceeds and shall
                  never have any liability to Pledgor for any loss which may
                  result therefrom. All interest and other amounts earned from
                  any investment of such proceeds may be dealt with by Pledgee
                  in the same manner as other cash proceeds.

                           (ii) Pledgor shall have the right to vote and give
                  consents with respect to all of the Pledged Shares and to
                  consent to, ratify, or waive notice of any and all meetings;

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                  PROVIDED THAT such right shall in no case be exercised for any
                  purpose contrary to, or in violation of, any of the terms or
                  the provisions of this Pledge Agreement.

                  (b) RIGHTS AFTER THE OCCURRENCE OF AN EVENT OF DEFAULT. Upon
         the occurrence and during the continuance of an Event of Default,
         Pledgee, or on behalf of the Shareholders and without the consent of
         Pledgor, may:

                           (i) At any time vote or consent in respect of any of
                  the Pledged Shares and authorize any Pledged Shares to be
                  voted and such consents to be given, ratify and waive notice
                  of any and all meetings, and take such other action as shall
                  seem desirable to Pledgee, in its discretion, to protect or
                  further the interests of Pledgee in respect of any of the
                  Pledged Shares as though it were the outright owner thereof;

                           (ii) In respect of any Pledged Shares, join in and
                  become a party to any plan of recapitalization, reorganization
                  or readjustment (whether voluntary or involuntary) as shall
                  seem desirable to Pledgee, in his sole and absolute
                  discretion, in respect of any such Pledged Shares, and deposit
                  any such Pledged Interests under any such plan; make any
                  exchange, substitution, cancellation or surrender of such
                  Pledged Shares required by any such plan and take such action
                  with respect to any such Pledged Shares as may be required by
                  any such plan or for the accomplishment thereof; and no such
                  disposition, exchange, substitution, cancellation or surrender
                  shall be deemed to constitute a release of Pledged Shares from
                  the Security Interest of this Pledge Agreement; and

                           (iii) Receive all Distributions and other payments of
                  whatever kind made upon or with respect to any Pledged
                  Interests.

                  (c) RIGHT OF SALE AFTER THE OCCURRENCE OF AN EVENT OF DEFAULT.
         Upon the occurrence and during the continuance of an Event of Default,
         Pledgee may, on behalf of the Shareholder, sell, without recourse to
         judicial proceedings, by way of one or more contracts, with the right
         to bid for and buy, the Pledged Interests or any part thereof, upon
         thirty (30) days' notice (which notice is agreed to be reasonable
         notice for the purposes hereof) to Pledgor of the time and place of
         sale, for cash, upon credit or for future delivery, at Pledgee's option
         and in Pledgee's complete discretion:

                           (i) At public sale, including a sale at any broker's
                  board or exchange; or

                           (ii) At private sale in any manner which will not
                  require the Pledged Interests, or any part thereof, to be
                  registered in accordance with The Securities Act of 1933, as
                  amended, or the rules and regulations promulgated thereunder,
                  or any other law or regulation, at the best price reasonably
                  obtainable by Pledgee at any such private sale or other
                  disposition in the manner mentioned above. Pledgee is also
                  hereby authorized, but not obligated, to take such actions,
                  give such notices, obtain such consents, and do such other
                  things as Pledgee may deem required or appropriate in the
                  event of sale or disposition of any of the Pledged Interests.
                  Pledgor understands that Pledgee may in its discretion
                  approach a restricted number of potential purchasers and that
                  a sale under such circumstances may yield a lower price for
                  the Pledged Interests, or any portion thereof, than would

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                  otherwise be obtainable if the same were registered and sold
                  in the open market. Pledgor agrees (A) that in the event
                  Pledgee shall so sell the Pledged Interests, or any portion
                  thereof, at such private sale or sales, Pledgee shall have the
                  right to rely upon the advice and opinion of any member firm
                  of a national securities exchange (or independent appraiser)
                  as to the best price reasonably obtainable upon such a private
                  sale thereof (any expense borne by Pledgee in obtaining such
                  advice to be paid by Pledgor as an expense related to the
                  exercise by Pledgee of its rights hereunder), and (B) that
                  such reliance shall be conclusive evidence that Pledgee
                  handled such matter in a commercially reasonable manner.
                  Pledgee shall be under no obligation to take any steps to
                  permit the Pledged Interests to be sold at a public sale or to
                  delay a sale to permit the Pledgor to register the Pledged
                  Interests for public sale under The Securities Act of 1933 or
                  applicable state securities law.

         In case of any sale by the Pledgee of the Pledged Interests on credit
or for future delivery, the Pledged Interests sold may be retained by Pledgee
until the selling price is paid by the purchaser, but Pledgee shall incur no
liability in case of failure of the purchaser to take up and pay for the Pledged
Interests so sold. In case of any such failure, such Pledged Interests so sold
may be again similarly sold.

         (d) OTHER RIGHTS AFTER AN EVENT OF DEFAULT. Upon the occurrence and
during the continuance of an Event of Default, Pledgee, at his election and on
behalf of the Shareholder, may exercise any and all rights available to a
secured party under the Uniform Commercial Code as enacted in the State of
Florida or other applicable jurisdiction, as amended, in addition to any and all
other rights afforded hereunder, under the Stock Purchase Agreement, at law, in
equity or otherwise.

         (e) APPLICATION OF PROCEEDS. Any and all proceeds ever received by
Pledgee from any disposition of the Pledged Interests, or any part thereof or
the exercise of any other right pursuant hereto shall be applied as payment for
costs and expenses incurred in connection with such Event of Default and then as
payments against the Damages (as defined in the Stock Purchase Agreement).

         9. NOTICES. Whenever this Pledge Agreement requires or permits any
consent, approval, notice, request or demand from any one party to another, the
consent, approval, notice, request or demand shall be deemed given if given in
accordance with Section 10.3 of the Stock Purchase Agreement.

         10. RIGHT TO FILE AS FINANCING STATEMENT. Pledgee shall have the right
at any time to execute and file this Pledge Agreement as a financing statement,
but the failure of Pledgee to do so shall not impair the validity or
enforceability of this Pledge Agreement or the Security Interest.

         11. RIGHTS. (a) Each right, power and remedy of Pledgee provided for in
this Pledge Agreement or now or hereafter existing at law or in equity or by
statute or otherwise shall be cumulative and concurrent and shall be in addition
to every other right, power or remedy provided for in this Pledge Agreement or
now or hereafter existing at law or in equity or by statute or otherwise, and
the exercise or beginning of the exercise by Pledgee of any one or more of such
rights, power or remedies shall not preclude the simultaneous or later exercise
by Pledgee of any or all such other rights, powers or remedies. No failure or

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delay on the part of Pledgee to exercise any such right, power or remedy and no
notice or demand which may be given to or made upon Pledgor by Pledgee with
respect to any such remedies shall operate as a waiver thereof, or limit or
impair Pledgee's right to take any action or to exercise any power or remedy
hereunder, under the Stock Purchase Agreement, without notice or demand, or
prejudice its rights as against Pledgor in any respect.

         (b) Pledgor hereby waives any requirement that Pledgee or the
Shareholder exhaust any right or remedy or take any action in connection with
the Stock Purchase Agreement before exercising any right or remedy under this
Pledge Agreement. The obligations of Pledgor hereunder shall not be affected or
impaired by reason of the happening from time to time of any of the following,
although without notice to or the consent of Pledgor:

               (i) the renewal or extension of the maturity of or the acceptance
         of partial payments with respect to any and all amounts due and owing
         under the Stock Purchase Agreement, or any part thereof;

              (ii) the alteration in any manner of the terms of the Stock
         Purchase Agreement or any part thereof either as to the maturities
         thereof, rates of interest, methods of payment, parties thereto or
         otherwise (except for any notices to or consents of Pledgor expressly
         required pursuant to the Stock Purchase Agreement);

             (iii) the waiver by Pledgee or the Shareholder of the performance
         or observance by Pledgor of any of its agreements, covenants, terms or
         conditions contained in the Stock Purchase Agreement;

              (iv) the voluntary or involuntary liquidation, dissolution, sale
         of all or substantially all of the assets, marshalling of assets and
         liabilities, receivership, conservatorship, insolvency, bankruptcy,
         assignment for the benefit of creditors, reorganization, arrangement,
         winding up, or other similar proceedings affecting Pledgor;

               (v) the release by operation of law or otherwise of Pledgor from
         the performance or observance of any of the agreements, covenants,
         terms or conditions contained in the Stock Purchase Agreement (except
         to the extent, if any, that the obligations of Pledgor hereunder are
         specifically affected pursuant to or in connection with any such
         release); or

              (vi) the release of any security, whether under this Pledge
         Agreement or the Stock Purchase Agreement (except to the extent, if
         any, that the obligations of Pledgor hereunder are specifically
         affected pursuant to or in connection with any such release).

         12. AMENDMENTS. This Pledge Agreement may be amended only by an
instrument in writing executed jointly by Pledgor and Pledgee and supplemented
only by documents delivered or to be delivered in accordance with the express
terms hereof.

         13. MULTIPLE COUNTERPARTS. This Pledge Agreement may be executed in a
number of identical counterparts, each of which shall be deemed an original for
all purposes and all of which shall constitute, collectively, one agreement;
but, in making proof of this agreement, it shall not be necessary to produce or
account for more than one such counterpart.

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         14. PARTIES BOUND; ASSIGNMENT. This Pledge Agreement shall be binding
on Pledgor and Pledgor's successors and assigns and shall inure to the benefit
of Pledgee and Pledgee's successors and assigns.

         15. INVALID PROVISIONS. If any provision of this Pledge Agreement is
held to be illegal, invalid or unenforceable under present or future laws
effective during the term hereof, such provision shall be fully severable, this
Pledge Agreement shall be construed and enforced as if such illegal, invalid or
unenforceable provision had never comprised a part hereof, and the remaining
provisions hereof shall remain in full force and effect and shall not be
affected by the illegal, invalid or unenforceable provision or by its severance
herefrom. Furthermore, in lieu of such illegal, invalid or unenforceable
provision there shall be added automatically as a part of this Pledge Agreement
a provision as similar in terms to such illegal, invalid or unenforceable
provision as may be possible and be legal, valid and enforceable.

         16. NO CONTROL BY PLEDGEE. Notwithstanding anything herein to the
contrary, this Pledge Agreement, the Stock Purchase Agreement, and the
transactions contemplated hereby and thereby, do not and will not constitute,
create or have the effect of constituting or creating, directly or indirectly,
the actual or practical ownership of the Compass Acquisition Corp. by Pledgee,
or control, affirmative or negative, direct or indirect, by Pledgee over the
management or any other aspect of the day-to-day operation of the Compass
Acquisition Corp., which ownership and control remains exclusively and at all
times with the Pledgor, except as otherwise provided herein with respect to
rights after an Event of Default.

         17. PARAGRAPH HEADINGS. The paragraph headings used in this Pledge
Agreement are for convenience of reference only and are not to affect the
construction hereof or be taken into consideration in the interpretation hereof.

         18. RESOLUTION OF DISPUTES. In the event there is a dispute between the
parties, the parties will, in good faith, attempt to resolve any such disputes
and if such disputes can not be resolved within 30 days of such dispute
including, without limitation the requested release of the Pledged Interests, or
any portion thereof, such dispute shall be finally settled by binding
arbitration heard by three (3) arbitrators in Cincinnati, Ohio, pursuant to the
rules then pertaining of the American Arbitration Association.

         19. CONFLICTS WITH STOCK PURCHASE AGREEMENT. In the event of any
conflict or inconsistency between the terms of this Pledge Agreement and the
terms of the Stock Purchase Agreement, the terms of this Pledge Agreement will
control.

         20. AGREEMENT TO SUPPLEMENT. Pledgor acknowledges and agrees that this
Pledge Agreement may be amended and supplemented from time to time to (a)
specifically include a description of all Pledged Interests are to become
subject hereto subsequent to the date hereof pursuant to this Pledge Agreement.
Pledgee shall have a valid first priority security interest in all additional
Pledged Interests that come into existence after the date hereof. Pledgor hereby
agrees to execute, deliver and cause the filing of all stock certificates, stock

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powers, financing statements and other documents and to take such further action
as deemed necessary in Pledgee's discretion with respect to each such additional
Pledged Shares to ensure the rights of Pledgee hereunder with respect thereto.

         21. SHAREHOLDER ELECTIONS, CONSENTS OR APPROVALS. For purposes of
determining any election, consent, approval and/or disapproval of the
Shareholder as may be required by this Pledge Agreement, the election, consent,
approval and/or disapproval, as the case may be, of Larry G. Rowedder and
Michael Rutherford shall be deemed for these purposes the election, consent,
approval and/or disapproval, as the case may be, of the Shareholder, except as
otherwise specifically stated herein.

         22. CONCERNING THE PLEDGEE.

            a) The Pledgee shall, upon submission to Pledgor of an itemized
statement, be reimbursed by Pledgor for all expenses, including reasonable
attorneys fees and expenses (including attorneys fees of attorneys employed by
the Pledgee which shall be reimbursed to the Pledgee based on the regular
billing rates of the attorneys performing services), disbursements and costs
(collectively, "Expenses") incurred or made by it in the performance of its
duties hereunder.

            b) The Pledgee shall not be liable for any mistake or fact or error
of judgment by it or for any other acts or omissions by it of any kind
whatsoever unless caused by bad faith, gross negligence or fraud, and shall be
entitled to rely and shall be protected in doing so, upon (i) written notice,
instrument or signature believed by it to be genuine and to have been signed or
presented by the proper party or parties duly authorized to do so and/or (ii)
the advice of counsel (which may be of the Pledgee's choosing and may be
attorneys employed by the Pledgee).

            c) The parties jointly and severally agree to indemnify and hold
harmless the Pledgee against any and all losses, damages, liabilities, claims,
demands and Expenses (collectively, "Damages") incurred or suffered by it
relating to, arising out of or in connection with this Pledge Agreement except
for Damages incurred or suffered by the Pledgee resulting from its own bad
faith, gross negligence or fraud.

            d) The Pledgee may resign and may be discharged from its duties
hereunder at any time by giving notice of such resignation to all parties
specifying a date (not less than thirty (30) days after the giving of such
notice) when such resignation shall take effect. Promptly after such notice, a
successor escrow agent shall be appointed by mutual agreement of the
Shareholders and Pledgor, such successor Pledgee to become the Pledgee hereunder
upon the resignation date specified in such notice. If the Shareholders and
Pledgee are unable to agree upon this successor Pledgee within thirty (30) days
after such notice, the Shareholders shall, and the Pledgee may instead, appoint
a reputable commercial bank. The Pledgee shall continue to serve until a
successor accepts and receives the Collateral.

            e) Anything to the contrary contained in this Pledge Agreement
notwithstanding, the Pledgee may deposit the Collateral with either (i) the
clerk of any court of competent jurisdiction upon commencement of an action in
the nature of interpleder or in the course of any court proceedings or (ii) a
successor escrow agent designated by the arbitrators in accordance with Section
18 hereof, whereupon the Pledgee's responsibilities hereunder shall expire.

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         23. SUBSTITUTION OF PLEDGED INTERESTS. Notwithstanding anything herein
to the contrary, with the consent of the Shareholder, Pledgor may substitute all
or any portion of the Pledged Interests with new collateral. Upon such
substitution, the Pledgee shall take all reasonable measures to release the
subject Pledged Interests.

         24. NONCIRCUMVENTION. Pledgor agrees not to take any action or fail to
take any action which would have the effect of circumventing or otherwise
materially interfering with the purpose of this Pledge Agreement as set forth
herein.

         25. DELIVERY OF CERTIFICATES. Contemporaneous with the Closing of the
Stock Purchase Agreement, the Pledgor shall deliver to Pledgee the original of
the stock certificate for all of the Pledged Shares referred to herein together
with executed and undated irrevocable stock powers.

         26. COMPLETE AGREEMENT. THIS PLEDGE AGREEMENT AND THE STOCK PURCHASE
AGREEMENT WITH ITS EXHIBITS AND SCHEDULES COLLECTIVELY REPRESENT THE FINAL
AGREEMENT BY AND AMONG THE SHAREHOLDER, THE PLEDGEE AND THE PLEDGOR WITH REGARD
TO THE PLEDGED INTERESTS AND MAY NOT BE CONTRADICTED BY EVIDENCE OF PRIOR,
CONTEMPORANEOUS, OR SUBSEQUENT ORAL AGREEMENTS OF PLEDGOR AND PLEDGEE. THERE ARE
NO UNWRITTEN ORAL AGREEMENTS BETWEEN THE SHAREHOLDER, THE PLEDGOR AND THE
PLEDGEE.

         27. FLORIDA LAW. THIS PLEDGE AGREEMENT AND THE STOCK PURCHASE AGREEMENT
SHALL BE CONSTRUED IN ACCORDANCE WITH AND GOVERNED BY THE LAWS OF THE STATE OF
FLORIDA.

            [THE REMAINDER OF THIS PAGE WAS INTENTIONALLY LEFT BLANK]

                                       10
<PAGE>   11

         EXECUTED effective as of the date first above written.

ADDRESS:                                PLEDGOR:

2710 Rew Circle, Suite 100              Compass Knowledge Holdings, Inc.
Ocoee, Florida 34761                    a Florida corporation
Facsimile: 407/656-7585

                                        By: /s/ Rogers W. Kirven, Jr.
                                           ----------------------------------
                                        Name:  Rogers W. Kirven, Jr.
                                               ------------------------------
                                        Title:    CEO
                                                 ----------------------------

2710 Rew Circle, Suite 100              Compass Acquisition Corp.
Ocoee, FL  34761                        a Florida corporation
Facsimile: 407/656-7585

                                        By: /s/ Rogers W. Kirven, Jr.
                                           ----------------------------------
                                        Name:  Rogers W. Kirven, Jr.
                                               ------------------------------
                                        Title:    CEO
                                                 ----------------------------

ADDRESS:                                SHAREHOLDER
6944 Foxhill Lane
Cincinnati, Ohio 45235                  /s/ Larry G. Rowedder
                                        -------------------------------------
                                            Larry G. Rowedder

2123 Cricketwood Court
Matthews, NC 28104                      /s/ Michael Rutherford
                                        -------------------------------------
                                            Michael Rutherford

6944 Foxhill Lane
Cincinnati, Ohio 45235                   /s/ Nancy Rowedder
                                        -------------------------------------
                                             Nancy Rowedder

6944 Foxhill Lane
Cincinnati, Ohio 45235                  /s/ Tammy Anderson
                                        -------------------------------------
                                            Tammy Anderson

6944 Foxhill Lane
Cincinnati, Ohio 45235                  /s/ Mike Rowedder
                                        -------------------------------------
                                            Mike Rowedder

6944 Foxhill Lane
Cincinnati, Ohio 45235                  /s/ Gina Rowedder
                                        -------------------------------------
                                            Gina Rowedder

                                       11
<PAGE>   12

6944 Foxhill Lane
Cincinnati, Ohio 45235                  /s/ Jacquelyn Rowedder
                                        -------------------------------------
                                            Jacquelyn Rowedder

6944 Foxhill Lane
Cincinnati, Ohio 45235                  /s/ Larry G. Rowedder
                                        -------------------------------------
                                        Larry G. Rowedder as Custodian for
                                        Jessica Anderson under the Ohio
                                        Transfers to Minors Act

                                        PLEDGEE:

                                        -------------------------------------

                                       12<PAGE>   1
                                                                   EXHIBIT 10.12

                                   EXHIBIT "E"

                              EMPLOYMENT AGREEMENT
                                 BY AND BETWEEN
                                  JAMITA, INC.
                                       AND
                               MICHAEL RUTHERFORD

                  THIS EMPLOYMENT AGREEMENT (the "Agreement") is executed on
August 15, 2000 to be effective as of August 1, 2000 (the "Commencement Date")
by and between Jamita, Inc., a Ohio corporation (the "Company"), and Michael
Rutherford ("Employee").

                  WHEREAS, the Company is engaged in the distributed learning
business and other related businesses (such activities, present and future,
being hereinafter referred to as the "Business"); and

                  WHEREAS, the Company and Employee desire to enter into this
Agreement to memorialize their oral understanding, to assure the Company of the
services of Employee for the benefit of the Company and to set forth the
respective rights and duties of the parties hereto.

                  NOW, THEREFORE, in consideration of the premises and the
mutual covenants, terms and conditions set forth herein, the Company and
Employee agree as follows:

                                    ARTICLE I

                                   EMPLOYMENT

                  1.1 EMPLOYMENT AND TITLE. As of the Commencement Date, the
Company employs Employee, and Employee accepts such employment, as President of
the Company, all upon the terms and conditions set forth herein.

                  1.2 DUTIES. During the Initial Term and any Extended Terms (as
hereinafter defined) hereof, Employee shall faithfully perform his duties in
accordance with this Agreement and the Bylaws of the Company, serve the Company
faithfully and to the best of his ability and devote substantially all of his
business time and attention, knowledge, energy and skills to the Company.
Employee shall be responsible for such matters as assigned to him by the Chief
Executive Officer and/or the Board of Directors of the Company in accordance
with the Company's annual business plan, budget and assigned duties. Subject to
the directions of and limitations imposed by the Chief Executive Officer and/or
the Board of Directors of the Company, the Employee shall be responsible for
interpretation and executive implementation of the corporate policies for his
assigned area(s) and shall perform all the duties and have and exercise all
rights and powers usually pertaining and attributable, by law, custom, or
otherwise, with respect

                                        1
<PAGE>   2

thereto. Employee shall coordinate and supervise the activities of all employees
of the Company under his control.

         The foregoing will not be construed as preventing Employee from making
investments in other business or enterprises or civic or charitable activities
provided that (a) Employee agrees not to become engaged in any other business
activity that interferes with his ability to discharge his duties and
responsibilities to Employer and (b) Employee does not violate any other
provision of this Agreement.

                  1.3 LOCATION. The principal place of employment and the
location of Employee's principal office shall be in Charlotte, North Carolina,
or at such other location agreed upon by Employee and the Company; provided,
however, Employee shall, when requested by the Chief Executive Officer and/or
the Board of Directors of the Company, or may, if he determines it to be
reasonably necessary, temporarily perform outside of Charlotte, North Carolina
such services as are reasonably required for the proper execution of his duties
under this Agreement. In no event, however, shall Employee be required to
permanently relocate his principal place of employment or his principal
residence, without his consent.

                  1.4 REPRESENTATIONS. Each party represents and warrants to the
other that he/it has full power and authority to enter into and perform this
Agreement and that his/its execution and performance of this Agreement shall not
constitute a default under or breach of any of the terms of any agreement to
which he/it is a party or under which he/it is bound. Each party represents that
no consent or approval of any third party is required for his/its execution,
delivery and performance of this Agreement or that all consents or approvals of
any third party required for his/its execution, delivery and performance of this
Agreement have been obtained.

                                   ARTICLE II

                                      TERM

                  2.1 TERM. The term of Employee's employment hereunder (the
"Term") shall commence as of the Commencement Date and shall continue through
the third anniversary of the Commencement Date (the "Scheduled Termination
Date") unless renewed or earlier terminated pursuant to the provisions of this
Agreement. Assuming all conditions of this Agreement have been satisfied and
there has been no breach of the Agreement during its initial term, the parties
may agree to extend the term ("Extended Term").

                                   ARTICLE III

                                  COMPENSATION

                  3.1 SALARY. As compensation for the services to be rendered by
Employee, the Company shall pay Employee, during the Term of this Agreement, an
annual base salary of not less than Seventy-five Thousand Dollars ($75,000),
which base salary shall accrue monthly (prorated for periods less than a month)
and shall be paid in equal bi-monthly installments, in arrears or as the

                                       2
<PAGE>   3

Employee and the Company otherwise agree. The base salary will be reviewed
annually, or as appropriate, by the Chief Executive Officer and the Board of
Directors of the Company. At any time the base salary may be increased for the
remaining portion of the Term if so determined by the Chief Executive Officer
and Board of Directors of the Company after a review of Employee's performance
of his duties.

                  3.2 BONUSES. The Company may pay the Employee an annual bonus
(the "Annual Bonus") as determined by the Chief Executive Officer and Board of
Directors of the Company. The Annual Bonus, if any, shall be payable within
ninety (90) days after the end of the most recent fiscal year to which the Bonus
relates.

                  3.3 NONQUALIFIED STOCK OPTIONS. The Company may, subject to
the discretion of the Compensation Committee of Compass Knowledge Holdings, Inc.
("CKHI"), grant to Employee nonqualified options to acquire shares of CKHI
common stock (the "Option Shares").

                  3.4 BENEFITS. Employee shall be entitled, during the Term
hereof, to the same medical, hospital, pension, profit sharing, dental, and
long-term disability coverage and life insurance coverage as are available to
the CKHI's vice presidents on the Commencement Date together with the following
additional benefits:

                  (a) The Company's normal vacation allowance for all employees
         who are executive officers of the Company, but not less than four (4)
         weeks annually, with the option to carry over unused vacation days.

                  (b) The Employee will be entitled to participate in any
          benefit plan or program of the Company which may currently be in place
          or implemented in the future.

                  (c) During the Term, Employee will be entitled to receive, in
         addition to and not in lieu of base salary, bonus or other
         compensation, such as other benefits as Company may provide for its
         officers in the future.

                  3.5 WITHHOLDING. Any and all amounts payable under this
Agreement, including, without limitation, amounts payable under this Article III
and Article VII, which are subject to withholding for such federal, state and
local taxes as the Company, in its reasonable judgment, determines to be
required pursuant to any applicable law, rule or regulation.

                                   ARTICLE IV

                   WORKING FACILITIES, EXPENSES AND INSURANCE

                  4.1 WORKING FACILITIES AND EXPENSES. Employee shall be
furnished with an office at the principal executive offices of the Company, or
at such other location as agreed to by Employee and the Company, and other
working facilities and secretarial and other assistance suitable to his position

                                       3
<PAGE>   4

and reasonably required for the performance of his duties hereunder. The Company
shall reimburse Employee for all of Employee's reasonable expenses incurred
while employed and performing his duties under and in accordance with the terms
and conditions of this Agreement, subject to Employee's full and appropriate
documentation, including, without limitation, receipts for all such expenses in
the manner required pursuant to Company's policies and procedures and the
Internal Revenue Code of 1986, as amended (the "Code") and applicable
regulations as are in effect from time to time.

                  4.2 INSURANCE. The Company may secure in its own name or
otherwise, and at its own expense, life, disability and other insurance covering
Employee or Employee and others, and Employee shall not have any right, title or
interest in or to such insurance other than as expressly provided herein.
Employee agrees to assist the Company in procuring such insurance by submitting
to the usual and customary medical and other examinations to be conducted by
such physicians(s) as the Company or such insurance company may designate and by
signing such applications and other written instruments as may be required by
any insurance company to which application is made for such insurance.

                                    ARTICLE V

                              ILLNESS OR INCAPACITY

                  5.1 RIGHT TO TERMINATE. If, during the Term of this Agreement,
Employee shall be unable to perform in all material respects his duties
hereunder for a period exceeding six (6) consecutive months by reason of illness
or incapacity, this Agreement may be terminated by the Company in its reasonable
discretion pursuant to Section 7.2 hereof.

                  5.2 RIGHT TO REPLACE. If Employee's illness or incapacity,
whether by physical or mental cause, renders him unable for a minimum period of
sixty (60) consecutive calendar days to carry out his duties and
responsibilities as set forth herein, the Company shall have the right to
designate a person to replace Employee temporarily in the capacity described in
Article I hereof; provided, however, that if Employee returns to work from such
illness or incapacity within the six (6) month period following his inability
due to such illness or incapacity, he shall be entitled to be reinstated in the
capacity described in Article I hereof with all rights, duties and privileges
attendant thereto.

                  5.3 RIGHTS PRIOR TO TERMINATION. Employee shall be entitled to
his full remuneration and benefits hereunder during such illness or incapacity
unless and until an election is made by the Company to terminate this Agreement
in accordance with the provisions of this Article.

                  5.4 DETERMINATION OF ILLNESS OR INCAPACITY. For purposes of
this Article V, the term "illness or incapacity" shall mean Employee's inability
to perform his duties hereunder substantially on a full-time basis due to
physical or mental illness as determined by a physician selected by the Company
and the Employee.

                                       4
<PAGE>   5

                                   ARTICLE VI

                    CONFIDENTIALITY AND INTELLECTUAL PROPERTY

                  6.1 CONFIDENTIALITY. During the Term of this Agreement and
thereafter, Employee shall not divulge, communicate, use to the detriment of the
Company, or for the benefit of any other business, firm, person, partnership or
corporation, or otherwise misuse, any "Confidential Information", pertaining to
the Company (except as may be required under legal process by subpoena or other
court order; provided that Employee will take reasonable steps to give the
Company sufficient prior written notice in order to contest such requirement or
order) including, without limitation, all (i) data or trade secrets, including
secret processes, formulas or other technical data; (ii) production methods;
(iii) customer lists; (iv) personnel lists; (v) proprietary information; (vi)
financial or corporate records; (vii) operational, sales, promotional and
marketing methods and techniques; (viii) development ideas, acquisition
strategies and plans; (ix) financial information and records; (x) "know-how" and
methods of doing business; and (xi) computer programs, including source codes
and/or object codes and other proprietary, competition-sensitive or technical
information or secrets developed with or without the help of Employee. Employee
acknowledges that any such information or data he may have acquired was received
in confidence and by reason of his relationship to the Company. Confidential
Information, data or trade secrets shall not include any information which: (a)
at the time of disclosure is within the public domain or is generally known
within the industry; (b) after disclosure becomes a part of the public domain or
generally known within the industry through no fault, act or failure to act,
error, effort or breach of this Agreement by Employee; (c) is known to the
recipient at the time of disclosure; (d) is subsequently discovered by Employee
independently of any disclosure by the Company; (e) is required by order,
statute or regulation, of any governmental authority to be disclosed to any
federal or state agency, court or other body; or (f) is obtained from a third
party who has acquired a legal right to possess and disclose such information.
Notwithstanding anything in this Agreement to the contrary, this Section 6.1
shall have no application during the period following the Term of this Agreement
in the event that this Agreement is terminated by the Employee pursuant to
Section 7.2(d) or (e) of this Agreement.

                  6.2 RECORDS. All documents, papers, materials, notes, books,
correspondence, drawings and other written and graphic records relating to the
Business of the Company which Employee shall prepare or use, or come into
contact with, shall be and remain the sole property of the Company and,
effective immediately upon the termination of the Employee's employment with the
Company for any reason, shall not be removed from the Company's premises without
the Company's prior written consent and any such documents, papers, materials,
notes, books, correspondence, drawings and other written and graphic records in
his possession or under his control shall be immediately returned to the
Company.

                                       5
<PAGE>   6

                  6.3 IDEAS AND INVENTIONS. Employee agrees to assign to the
Company all Employee's right, title and interest in or to any and all ideas,
concepts, know-how, techniques, processes, methods, applications, inventions,
discoveries, developments, innovations and improvements ("Inventions") which
relate in any respect to the Company, its parent company or their subsidiaries
or their businesses as they now or hereafter exist which Employee conceives,
creates, designs, develops and/or makes, whether alone or with others, during
Employee's employment with the Company. Employee agrees to disclose all such
Inventions to the Company promptly, and to provide all assistance reasonably
requested by the Company in the preservation of its interests in the Inventions,
such as by executing documents, testifying, etc., such assistance to be provided
at the Company's expense but without any additional compensation to Employee,
unless Employee is called upon to render such assistance after the termination
of this Agreement for any reason, at which time Employee shall be entitled to a
fair and reasonable rate of compensation for such assistance and provided that
any such assistance shall not unreasonably interfere with any business or other
activities in which Employee may be engaged. Employee shall, at the request and
expense of the Company, assist the Company or its nominees to obtain patents for
such Inventions for which the Company, its parent company or their subsidiaries
has or obtains any right, title or interest in any countries throughout the
world. Such Inventions shall be the property of the Company or its nominees,
whether patented or not. Employee shall and does, without charge to the Company,
assign to the Company, all Employee's right, title, and interest in and to such
Inventions, including without limitation patents and patent applications and
reissues thereof. Employee agrees to execute, acknowledge, and deliver any
instruments confirming the complete ownership by the Company of such Inventions.
Such assignments shall include the right to sue for infringement.

                  6.4. COPYRIGHTS. Employee agrees that any Invention or other
work (collectively hereinafter called "Work") prepared, developed or produced by
Employee while an Employee of the Company, whether alone or with others, and
which relates in any respect to the Company, its parent company or their
subsidiaries or their businesses and for which is eligible for copyright
protection in the United States or elsewhere shall be a work made for hire. If
any such Work is deemed for any reason not to be a work made for hire, Employee
shall assign all right, title and interest in the copyright in such Work, and
all extensions and renewals thereof, to Company, and agrees to provide all
assistance reasonably requested by Company in the establishment, preservation
and enforcement of its copyright in such Work, such assistance to be provided at
Company's expense but without any additional compensation to Employee, unless
Employee is called upon to render such assistance after the termination of this
Agreement for any reason, at which time Employee shall be entitled to a fair and
reasonable rate of compensation for such assistance and provided that any such
assistance shall not unreasonably interfere with any business or other
activities in which Employee may be engaged. Employee agrees to waive all moral
rights relating to the Work developed or produced, including without limitation
any and all rights of identification of authorship and any and all rights of
approval, restriction or limitation on use or subsequent modifications.

                                       6
<PAGE>   7

                                   ARTICLE VII

                                   TERMINATION

                  7.1 TERMINATION FOR CAUSE. This Agreement and the employment
of Employee may be terminated by the Company "For Cause" under any one of the
following circumstances:

                  (a) Employee has committed any material act of fraud,
         misappropriation or theft against the Company.

                  (b) Employee's default or breach of any material provision of
         this Agreement; provided, that Employee shall not be in default
         hereunder unless (i) he shall have failed to cure such default or
         breach within thirty (30) days of written notice thereof by the Company
         to Employee or (ii) Employee shall have duly received notice of at
         least three (3) prior instances of such breach or default (whether or
         not cured by Employee).

                  (c) Employee engages in gross negligence, malfeasance or
         willful misconduct in the performance of his duties hereunder;
         provided, that Employee shall not be in default hereunder unless (i) he
         shall have failed to cure such default or breach within thirty (30)
         days of written notice thereof by the Company to Employee, or (ii)
         Employee shall have duly received notice of at least three (3) prior
         instances of such breach or default (whether or not cured by Employee).

                  (d) At the election of the Employee (except for an election
         pursuant to Section 7.2(d) or (e) of this Agreement.

                  (e) The conviction (or plea of no contest) of Employee of a
         crime involving moral turpitude (not including driving while under the
         influence of alcohol unless Employee is convicted on more than one
         occasion or if he is incarcerated for more than 45 days) by a court of
         competent jurisdiction as to which no further appeal can be taken.

                  (f) The willful, continued and unreasonable failure by
         Employee, to comply in all material respects with the Company's written
         conflict of interest policy, previously made known to Employee, if any,
         then in effect; provided that (i) Employee shall not be in default
         hereunder unless he shall have failed to cure such default within
         thirty (30) days of written notice thereof by the Company to the
         Employee or (ii) Employee shall have received written notice of at
         least three prior instances of such breach or default (whether or not
         cured by Employee).

                  (g) The knowing engagement in any activity which would
         constitute a material violation of the provisions of the Company's

                                       7
<PAGE>   8

         insider trading policy or business ethics policy, if any, then in
         effect and previously made known to Employee.

                  (h) At the election of the Company upon Employee's breach of
         any material provision of that certain Agreement and Plan of Stock
         Purchase by and among Compass Knowledge Holdings, Inc., Compass
         Acquisition Corp., and Larry G. Rowedder, Nancy Rowedder, Tammy
         Anderson, Mike Rowedder, Gina Rowedder, Jacquelyn Rowedder, Larry G.
         Rowedder As Custodian For Jessica Anderson Under The Ohio Transfers To
         Minors Act and Michael Rutherford and Jamita, Inc. of even date
         herewith (the "Stock Purchase Agreement"); provided, that Employee
         shall not be in default under the Stock Purchase Agreement unless (i)
         he shall have failed to cure such default or breach within thirty (30)
         days of written notice thereof by the Company or CKHI to Employee, or
         (ii) Employee shall have duly received notice of at least three (3)
         prior instances of such breach or default (whether or not cured by
         Employee.

                  A termination For Cause under this Section 7.1 shall be
effective upon the date set forth in a written notice of termination delivered
by the Company to Employee

                  7.2 TERMINATION WITHOUT CAUSE. This Agreement and the
employment of the Employee may be terminated "Without Cause" as follows:

                  (a) By mutual agreement of the parties hereto.

                  (b) At the election of the Company by its giving not less than
         sixty (60) days prior written notice to Employee in the event of an
         illness or incapacity described in Article 5.1.

                  (c) Upon Employee's death.

                  (d) At the election of Employee upon the Company's default or
         breach of any material provision of this Agreement; provided, that the
         Company shall not be in default hereunder unless (i) it shall have
         failed to cure such default or breach within thirty (30) days of
         written notice thereof by the Employee to the Company or (ii) the
         Company shall have duly received notice of a least three (3) prior
         instances of such breach or default (whether or not cured by the
         Company).

                  (e) At the election of Employee upon the Company's or CKHI's
         breach of any material provision of the Stock Purchase Agreement;
         provided, that the Company or CKHI, as the case may be, shall not be in
         default under the Stock Purchase Agreement unless (i) it shall have
         failed to cure such default or breach within thirty (30) days of
         written notice thereof by the Employee to the Company or CKHI, as the
         case may be, or (ii) the Company or CKHI, as the case may be, shall
         have duly received notice of at least three (3) prior instances of such
         breach or default (whether or not cured by the Company or CKHI).

                                       8
<PAGE>   9

                  A termination Without Cause under Section 7.2(b), 7.2(d) or
7.2(e) hereof shall be effective upon the date set forth in a written notice of
termination delivered in accordance with the notice provisions of such sections.
A termination Without Cause under Sections 7.2(a) or (c) shall be automatically
effective upon the date of mutual agreement or the date of death of the
Employee, as the case may be.

                  7.3 EFFECT OF TERMINATION FOR CAUSE. If Employee's employment
is terminated "For Cause":

                  (a) Employee shall be entitled to accrued base salary under
         Section 3.1 hereof through the date of termination.

                  (b) Employee shall be entitled to accrued bonuses, if any,
         under Section 3.2 and benefits under Section 3.4 hereof through the
         date of termination, subject to any right to continue said benefits at
         Employee's cost as provided by law and as provided in any benefit plan
         in which Employee is a participant.

                  (c) Employee shall be entitled to reimbursement for expenses
         accrued through the date of termination in accordance with the
         provisions of Section 4.1 hereof.

                  (d) All unvested Option Shares, if any, under Section 3.3
         hereof shall be immediately forfeited.

                  (e) Employee shall be required to repay (and the Company and
         CKHI may withhold) any and all Incentive Payments (as that term is
         defined the Stock Purchase Agreement) which CKHI is otherwise required
         to pay to Employee with respect to any and all Incentive Payments which
         are calculated based upon "Formula Revenues Derived From Additional
         Business" (as that term is defined in the Stock Purchase Agreement) and
         collected subsequent to the date of termination.

                  (f) Except as provided in Article X, this Agreement shall
         thereupon terminate and cease to be of any further force or effect.

                  7.4 EFFECT OF TERMINATION WITHOUT CAUSE. If Employee's
employment is terminated "Without Cause":

                  (a) Employee shall be entitled to (i) one (1) year's base
         salary, or (ii) the base salary for the remaining Term of this
         Agreement, if less than one (1) year.

                  (b) Employee shall be entitled to reimbursement for expenses
         accrued through the date of termination in accordance with the
         provisions of Section 4.1 hereof.

                  (c) Employee shall be entitled to accrued bonuses under
         Section 3.2 and benefits under Section 3.4 hereof through the date of

                                       9
<PAGE>   10

         termination, subject to any right to continue said benefits at
         Employee's cost as provided by law and as provided in any benefit plan
         in which Employee is a participant.

                  (d) All unvested Option Shares under Section 3.3 hereof shall
         immediately vest in full.

                  (e) Except as provided in Article XI, this Agreement shall
         thereupon terminate and cease to be of any further force or effect.

                                  ARTICLE VIII

                      NON-COMPETITION AND NON-INTERFERENCE

         8.1 NONCOMPETITION; NONSOLICITATION. As an inducement to the Company to
execute this Agreement and in order to preserve the goodwill associated with the
business of the Company, its parent company and their subsidiaries and in
addition to and not in limitation of any covenants contained in any agreements
executed and delivered herewith, Employee hereby covenants and agrees as
follows:

                  (a) COVENANT NOT TO COMPETE. During the term of this Agreement
         and for a period of two (2) years after the effective date of a
         Termination For Cause, Employee will not directly or indirectly, within
         the Territory, act as an officer, manager, executive, consultant,
         advisor or agent or controlling shareholder, partner or member to any
         business or otherwise engage in any business which is, competitive,
         either directly or indirectly, with the Business, as defined herein,
         nor shall Employee become employed by such a business in a capacity
         which would require Employee to carry out, in whole or in part, either
         directly or indirectly, the duties Employee has performed or is
         expected to perform for the Company or which are competitive with the
         Business or otherwise engage in any practice the purpose of which is to
         evade the provisions of this covenant not to compete or to commit any
         act which adversely affects the Company, its parent company and their
         subsidiaries or their business. For purposes of this Article VIII, the
         "Business" shall be defined as creating, designing, developing, owning,
         leasing and/or operating distributed learning and education business
         and other related businesses as are being conducted by the Company (or
         such business as is under development) at the time of such termination.
         For purposes of this Article VIII, the "Territory" shall be defined as
         the United States of America.

                  (b) NONSOLICITATION; EMPLOYEES. Employee agrees that during
         the Term of this Agreement and for two (2) years after the effective
         date of a Termination For Cause, Employee will not offer employment to
         any person who was employed by the Company, its subsidiaries as of the
         effective date of a Termination For Cause without the prior written
         consent of the Company.

                                       10
<PAGE>   11

                  (c) NONSOLICITATION; CUSTOMERS. Employee agrees that, during
         the Term of this Agreement and for two (2) years after the effective
         date of a Termination For Cause, Employee will not solicit customers or
         clients of the Company, its parent company or their subsidiaries, with
         a view to interfering or competing with the business of the Company,
         its parent company or their subsidiaries or providing any product or
         service that is provided by the Company, its parent company or their
         subsidiaries.

                  Notwithstanding the foregoing, if Employee (after termination
         of his employment with the Company) shall develop other education
         programs, services or products that may be marketed to school districts
         and said programs, services or products are not substantially similar
         to programs, services and products marketed by the Company, CKHI or its
         subsidiaries during Employee's term of employment ("Non-competing
         Products"), it shall not violate this Covenant Not to Compete if
         Employee to markets said Non-competing Products and solicits the
         Company's customers. Additionally, the restrictive covenants shall not
         prohibit the ownership of securities of corporations which are listed
         on a national securities exchange or traded in the national
         over-the-counter market in an amount which shall not exceed 5% of the
         outstanding shares of any such corporation. The parties agree that the
         Company may sell, assign or otherwise transfer this covenant not to
         compete, in whole or in part, to any person, corporation, firm or
         entity that purchases all or substantially all of the Company's assets
         or stock (and assumes the obligations of the Company). In the event a
         court of competent jurisdiction determines that the provisions of the
         restrictive covenants are excessively broad as to duration,
         geographical scope or activity, it is expressly agreed that the
         restrictive covenants shall be construed so that the remaining
         provisions shall not be affected, but shall remain in full force and
         effect, and any such over broad provisions shall be deemed, without
         further action on the part of any person, to be modified, amended
         and/or limited, but only to the extent necessary to render the same
         valid and enforceable in such jurisdiction.

                  8.2. EQUITABLE RELIEF FOR VIOLATIONS. Employee agrees that the
provisions and restrictions contained in this Section are necessary to protect
the legitimate continuing interests of the Company, its parent company and their
subsidiaries and that any violation or breach of these provisions will result in
irreparable injury to the Company, its parent company and their subsidiaries for
which a remedy at law would be inadequate and that, in addition to any relief at
law which may be available to the Company, its parent company or their
subsidiaries for such violation or breach and regardless of any other provision
contained in this Agreement, the Company, its parent company and their
subsidiaries shall be entitled to injunctive and other equitable relief as a
court may grant after considering the intent of this Section.

                                       11
<PAGE>   12

                                   ARTICLE IX

                                  MISCELLANEOUS

                  9.1 NO WAIVERS. The failure of either party to enforce any
provision of this Agreement shall not be construed as a waiver of any such
provision, nor prevent such party thereafter from enforcing such provision or
any other provision of this Agreement.

                  9.2 NOTICES. Any notice to be given to the Company and
Employee under the terms of this Agreement may be delivered personally, by
telecopy, telex or other form of written electronic transmission, or by
registered or certified mail, postage prepaid, and shall be addressed as
follows:

         IF TO THE COMPANY:                  2710 Rew Circle
                                             Suite 100
                                             Ocoee, Florida  34761
                                             Attn:  Rogers W. Kirven, Jr.
                                             Fax: (407) 656-7585

         IF TO EMPLOYEE:                     2123 Cricketwood Court
                                             Matthews, NC 28104

         Either party may hereafter notify the other in writing of any change in
address. Any notice shall be deemed duly given (i) when personally delivered,
(ii) when telecopied, telexed or transmitted by other form of written electronic
transmission (upon confirmation of receipt) or (iii) on the third day after it
is mailed by registered or certified mail, postage prepaid, as provided herein.

                  9.3 SEVERABILITY. The provisions of this Agreement are
severable and if any provision of this Agreement shall be held to be invalid or
otherwise unenforceable, in whole or in part, the remainder of the provisions,
or enforceable parts thereof, shall not be affected thereby.

                  9.4 SUCCESSORS AND ASSIGNS. The rights and obligations of the
Company under this Agreement shall inure to the benefit of and be binding upon
the successors and assigns of the Company, including the survivor upon any
merger, consolidation, share exchange or combination of the Company with any
other entity. Except as provided in the preceding sentence, neither the Company
or Employee shall not have the right to assign, delegate or otherwise transfer
any duty or obligation to be performed by it or him hereunder to any person or
entity.

                  9.5 ENTIRE AGREEMENT. This Agreement supersedes all prior and
contemporaneous agreements and understandings between the parties hereto, oral
or written, and may not be modified or terminated orally. No modification,
termination or attempted waiver shall be valid unless in writing, signed by the
party against whom such modification, termination or waiver is sought to be
enforced. This Agreement was the subject of negotiation by the parties hereto

                                       12
<PAGE>   13

and their counsel. The parties agree that no prior drafts of this Agreement
shall be admissible as evidence (whether in any arbitration or court of law) in
any proceeding which involves the interpretation of any provisions of this
Agreement.

                  9.6 GOVERNING LAW. This Agreement shall be governed by and
construed in accordance with the internal laws of the State of Florida without
reference to the conflict of law principles thereof.

                  9.7 SECTION HEADINGS. The section headings contained herein
are for the purposes of convenience only and are not intended to define or limit
the contents of said sections.

                  9.8 FURTHER ASSURANCES. Each party hereto shall cooperate and
shall take such further action and shall execute and deliver such further
documents as may be reasonably requested by the other party in order to carry
out the provisions and purposes of this Agreement.

                  9.9 GENDER. Whenever the pronouns "he" or "his" are used
herein they shall also be deemed to mean "he" or "his" or "it" or "its" whenever
applicable. Words in the singular shall be read and construed as though in the
plural and words in the plural shall be read and construed as though in the
singular in all cases where they would so apply.

                  9.10 COUNTERPARTS. This Agreement may be executed in
counterparts, all of which taken together shall be deemed one original.

                  9.11 INDEMNIFICATION. The Company shall be to the fullest
extent permitted by law indemnify, defend and hold harmless Employee from and
against any and all claims, demands, liabilities, damages, losses and expenses
(including reasonable attorneys fees, court costs and disbursements) arising out
of the performance by him of his duties hereunder except in the case of his
willful misconduct or actions by Employee outside the scope of his
responsibilities and duties as set forth herein. The Company will carry
directors and officers insurance with limits of not less than $50,000.

                                    ARTICLE X

                                    SURVIVAL

                  10.1 SURVIVAL. The provisions of Articles VI, VII, VIII, and
IX, of this Agreement shall survive the termination of this Agreement.

         [THE REMAINDER OF THIS PAGE HAS BEEN INTENTIONALLY LEFT BLANK]

                                       13
<PAGE>   14

         IN WITNESS WHEREOF, the parties hereto have executed this Agreement as
of the date first above written.

                               Jamita, Inc.
                               a Ohio corporation,

                               By: /s/ Larry Rowedder
                                   -------------------------------------

                               Title:  CEO
                                      ----------------------------------

                               EMPLOYEE

                               /s/ Michael Rutherford
                               -----------------------------------------
                                   Michael Rutherford

                                       14

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