Document:

MANUFACTURING SERVICES AGREEMENT

This  Manufacturing   Services   Agreement   ("Agreement)  is  entered  into  by
("CONCIERGE,  INC."),  531 Main St., PMB 963, El Segundo,  California  90245 and
XeTel Corporation  ("XeTel"),  2105 Gracy Farms Lane, Austin,  Texas 78768. This
Agreement   specifies  the  terms  and  conditions  which  shall  apply  to  the
manufacturing  services to be provided by XeTel to  CONCIERGE,  INC.  during the
Term of this Agreement.

1.      TERM.   This  Agreement becomes  effective on the later of the signature
        dates  of  the  parties,  and  continues  in  effect  until  the date of
        termination.

2.      SERVICES  PROVIDED.  This Agreement  applies to all Purchase  Orders and
        other   communications   regarding  the  service  provided  unless  this
        Agreement is  explicitly  referenced  by title and  Effective  Date with
        regarding to any exception to these terms and conditions. This Agreement
        is not an authorization for XeTel to begin services.

3.      DELIVERY
        --------

        a.     XeTel shall make deliveries according to the mutually agreed upon
               schedule  within a  window  of plus  five  (5) or minus  five (5)
               working  days.   Deliverables  will  be  shipped  F.O.B.  XeTel's
               manufacturing facility.

        b.     Any claims for  alleged  discrepancies  must be given  within ten
               (10) working days of the shipment or such claim is deemed  waived
               by CONCIERGE, INC.

4.      CREDIT AND PAYMENT TERMS
        ------------------------

        4.1    Payment method: All payments will be in US dollars.

        4.2    Payment terms:

        4.2.1. Payments for services  performed under this Agreement are due and
               payable  promptly  Net thirty (30) days after date of invoice.

        4.2.2. If CONCIERGE, INC. becomes delinquent in payments to XeTel, XeTel
               may do the following after  notifying CONCIERGE, INC.  in writing
               and allowing CONCIERGE, INC.  five (5)  working days  to  resolve
               said issues:

               i.     Charge interest at one and one-half  percent (1-1/2%)  per
                      month,  but in no  event  shall  the interest  charged  be
                      higher  than  the  highest  rate for which the parties may
                      legally contract; and/or

                                                                    Exhibit 10.1
                                                              Page 1 of 10 Pages

<PAGE>

               ii.    Withhold  shipment  of  products/services  until  all   of
                      CONCIERGE, INC.'s  obligations have  been brought current.
                      CONCIERGE, INC. will be  given a reasonable amount of time
                      to bring invoices current prior to being placed on  credit
                      hold.   If XeTel  elects  to withhold shipment, CONCIERGE,
                      INC. is not relieved of any obligations hereunder; and/or

               iii.   Change credit terms and/or reporting frequency;

               iv.    Pursue legal  remedies to collect the delinquent payments.

        4.3    XeTel shall review CONCIERGE,  INC.'s credit terms on a quarterly
               basis  and/or upon  delinquent  payments by  CONCIERGE,  INC. Net
               30-day terms are subject to  maintaining  satisfactory  liquidity
               ratios,  debt to equity  ratios,  and prompt payment of invoices.
               CONCIERGE,  INC.  shall  provide  to  XeTel  quarterly  financial
               statements   prepared  in  accordance  with  generally   accepted
               accounting principles within 30 days of each quarter end.

5.      COORDINATION. Each party shall designate a Coordinator to represent that
        party  in  the  implementation  of  this Agreement.  CONCIERGE, INC. has
        identified  Allen Kahn  as  its  Coordinator,  and XeTel has  identified
        Norman E. O'Shea  as  its  Coordinator.   Either  party  may change  its
        Coordinator by written notice to the other party.

6.      ENGINEERING CHANGE ORDERS.   CONCIERGE, INC.  may  initiate  Engineering
        Change Orders (ECOs) in accordance with the following:

        a.     CONCIERGE, INC.  shall  notify  XeTel  of  the  proposed  ECO  in
               writing,  including  the  documentation for the change to support
               XeTel's research of the impact of the proposed ECO.

        b.     XeTel,  upon receipt of the notice,  will make its best effort to
               review all costs impacted  within five (5) working days. All cost
               impacts and  material  availability  issues will be reviewed  and
               agreed upon with  CONCIERGE,  INC. to enable  CONCIERGE,  INC. to
               issue a purchase order for the charges prior to implementation.

        c.     Emergency  ECOs will be  implemented  immediately  at  CONCIERGE,
               INC.'s request and CONCIERGE,  INC. will be liable for such costs
               pertaining to the emergency ECO.

        d.     CONCIERGE,  INC. shall be charged an  implementation  fee of $250
               for  each  ECO  it  generates  to  cover  costs  associated  with
               documentation changes. These fees will be waived if

                                                                    Exhibit 10.1
                                                              Page 2 of 10 Pages

<PAGE>

               CONCIERGE, INC. has exceeded $5,000,000 in revenue with  XeTel in
               the prior quarter.

7.      PRICING
        -------

        a.     All XeTel pricing for a particular  product/service will be based
               on a twelve (12) month forecast provided by CONCIERGE,  INC. This
               forecast should include a description of the  product/service  to
               be purchased, quantity, and estimated delivery dates.

        b.     This pricing is firm for a twelve (12) month period from the date
               of XeTel's acceptance of CONCIERGE, INC.'s Purchase Order, except
               for  Paragraph  7d, and shall be  renegotiated  at the end of the
               period.

        c.     If the actual quantity of products/services  ordered for delivery
               during  the  twelve  (12)  month  period is lower than the Annual
               Forecast   quantity,   CONCIERGE,   INC.   may  be   subject   to
               XeTel/CONCIERGE, INC. supplier billbacks.

        d.     At any time, in the event of extraordinary increases or decreases
               in  the  market  price  of  fuels,   materials,   raw  materials,
               equipment, labor and other production costs, XeTel and CONCIERGE,
               INC. can renegotiate in good faith with the other party the price
               of goods not yet shipped or services to be performed. If, in good
               faith,  agreement is  not reached,  either party has the right to
               terminate the specific service(s) or the entire Agreement subject
               to  the  appropriate  termination/cancellation charges set out in
               Paragraphs 8 and 15 of this Agreement.

8.      PURCHASE ORDERS, FORECASTS, RESCHEDULES, AND CANCELLATIONS
        ----------------------------------------------------------

        a.     Purchase Orders  shall  be  placed a  minimum of three months (3)
               months  in  advance of delivery  time.    At any  point in  time,
               CONCIERGE, INC.  shall  have  a  minimum  of  four  (4) months of
               purchase orders  placed with XeTel.    Also, CONCIERGE, INC. will
               provide to XeTel an additional eight (8) months  forecast  to  be
               updated each month.  XeTel will purchase materials  in accordance
               with  the  purchase  order and the forecast based on the mutually
               agreed upon lead-time and inventory buy  policy.  CONCIERGE, INC.
               is  liable  for  material   purchased,  particularly   NCNR   and
               custom/unique  items,  if  there  is  a  schedule  reduction   or
               cancellation.   CONCIERGE, INC.  is also  liable for all material
               purchased due to minimum buy quantifies  including standard  tape
               and reel quantities.

        b.     In the event that  CONCIERGE,  INC.  requests an expedited  order
               within  the  three  (3) month  window;  a fee of  $2,500  will be
               charged  to place or  expedite  material  purchase  orders  in an
               attempt to comply with such a request.  Any such  request will be
               accompanied by a purchase order for

                                                                    Exhibit 10.1
                                                              Page 3 of 10 Pages
<PAGE>

               XeTel to initiate  this  process.  After  receipt of the purchase
               order  covering  the  expedite  charge,  XeTel will make its best
               effort to meet CONCIERGE, INC.'s requested delivery date and will
               notify  CONCIERGE,  INC.  within  ten (10)  business  days of its
               ability to meet such a requested delivery date. Such charge shall
               apply  independent  of  XeTel's  ability  to meet  the  expedited
               delivery date.

        c.     CONCIERGE,  INC. may reschedule deliveries on orders that are due
               thirty  (30)  days or more from the date  such  change  notice is
               received by XeTel provided that:

               (i)    Material   and    manufacturing    capacity    permitting,
                      reschedules are allowed according to the following:

                      Deliveries within            Order adjustments allowed
                      0-30 days                    Firm orders; no changes
                      31-60 days                   +/- 25% Order adjustment
                      61-90 days                   +/- 60% Order adjustment
                      >90 days                     +/- 100%

               (ii)   If  such  reschedule  of  delivery  represents  a delay in
                      shipment,  the  reschedule  cannot be  for more than sixty
                      (60) days  from  the original delivery date and CONCIERGE,
                      INC. agrees  to provide  XeTel an inventory  prepayment by
                      the fifteenth day of each month equal to the amount of on-
                      hand inventory on the last day of each prior fiscal month,
                      if the on-hand inventory amount exceeds the material value
                      for orders to be produced in the subsequent month.   XeTel
                      agrees to repay CONCIERGE, INC.'s prepaid  amounts  by the
                      fifteenth of the month to the extent  on-hand inventory is
                      balanced  with  production requirements.   CONCIERGE, INC.
                      agrees to commence  inventory prepayments over the term of
                      this  Agreement and its  renewals  upon XeTel's reasonable
                      written request.   In  the  event of a  schedule push-out,
                      XeTel agrees to carry out all reasonable actions necessary
                      to   minimize   CONCIERGE,  INC.'s   inventory   liability
                      including, as allowed by  XeTel's suppliers, rescheduling,
                      returning and/or restocking inventory to coincide with the
                      new schedule.

            (iii)     No  more  than  two  reschedules  may  be  implemented per
                      purchase  order  and  the  new  delivery cannot be, in any
                      case,  later  than  sixty  (60)  days  from  the  original
                      delivery date stated on the  purchase order.   Any  orders
                      rescheduled   for  more   than   sixty (60) days  will  be
                      considered a cancellation and the  terms in  Paragraph  8c
                      will apply.  If a reschedule represents an acceleration or
                      increase,  XeTel will  make its best  effort to  meet such
                      request, subject

                                                                    Exhibit 10.1
                                                              Page 4 of 10 Pages
<PAGE>

                      to material availability and manufacturing  capacity.  Any
                      additional costs,  including but not limited to materials,
                      expedite fees, purchase price variances and labor incurred
                      by XeTel to meet  CONCIERGE,  INC.'s  request  will be the
                      liability of CONCIERGE, INC.

        c.     CONCIERGE, INC. may cancel any order scheduled for  delivery more
               than ninety (90) days from the date such  cancellation  notice is
               given  to  XeTel,  however  CONCIERGE, INC.  will make payment to
               XeTel for all material acquired  or restocked for the manufacture
               of CONCIERGE, INC.'s products  plus a  handling charge of 10% for
               the canceled product. However, XeTel will make its best effort to
               mitigate such liability.

9.      APPROVED VENDORS LIST.   XeTel  will  follow CONCIERGE, INC.'s  Approved
        Vendor List (AVL)  for  all  component  parts  purchased   on  behalf of
        CONCIERGE, INC.   CONCIERGE, INC.'s  AVL  must  be  provided to XeTel in
        writing prior to any purchase being made  and such AVL should be updated
        by CONCIERGE, INC. monthly.  In the event that XeTel offers alternatives
        to CONCIERGE, INC.'s AVL, the alternative must be approved in writing by
        CONCIERGE, INC. prior to beginning any production at XeTel's facility on
        behalf of CONCIERGE, INC.

10.     RELIANCE ON DESIGN(S).  CONCIERGE, INC. acknowledges and recognizes that
        XeTel must rely on the design that CONCIERGE, INC. furnishes to XeTel to
        manufacture  the CONCIERGE,  INC.  product,  therefore if the product is
        defective  due  to  the  inaccuracy  of  CONCIERGE,   INC.  design  then
        CONCIERGE,  INC. agrees that XeTel shall be paid its original contracted
        price for the product that is defective due to the CONCIERGE, INC.
        design error.

11.     WARRANTY
        --------

        THE FOLLOWING  ARE IN LIEU OF ALL  CONDITIONS  OR  WARRANTIES,  EXPRESS,
        IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTY
        OF  MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE AND OF ANY OTHER
        WARRANTY OBLIGATION ON THE PART OF XETEL.

        a.     XeTel warrants the workmanship and XeTel furnished  material used
               for  the  products/services  delivered under this Agreement to be
               free from defects within the limits of the test provisions and to
               conform to the XeTel Workmanship Standards for a period of ninety
               (90) days from date of shipment to CONCIERGE, INC.   At a minimum
               a  suitable  electrical test  is  required for all  assemblies by
               XeTel, and for printed circuit board assemblies, in-circuit  test
               is the minimum electrical test.

                                                                    Exhibit 10.1
                                                              Page 5 of 10 Pages
<PAGE>

        b.     This warranty does not apply to material which becomes  defective
               due to  CONCIERGE,  INC.'s  alteration  or repair or to  material
               which is  subjected  to misuse,  negligence  or stress due to the
               electrical  circuit/system  design  or  malfunction,  or  to  any
               product or component design related issues.

        c.     Defective  goods  as  defined in 11.a.  above will be repaired or
               replaced by XeTel free of cost, if returned to XeTel  within  the
               thirty (30)  days  after  the end of the warranty period.   Goods
               returned after this period will be  repaired  or  replaced  for a
               charge to be negotiated.  This section sets out CONCIERGE, INC.'s
               sole remedies for any defect in the goods.   XeTel and CONCIERGE,
               INC. must mutually  agree if a debit can be taken against product
               returned by CONCIERGE, INC.

        d.     The  foregoing  warranties  are not  transferable  and may not be
               relied upon or enforced by any person other than CONCIERGE, INC.

12.     QUALITY AND WORKMANSHIP.    All work  performed by  XeTel for CONCIERGE,
        INC.'s product shall conform to IPC-A-610 latest revision, Class 2.

13.     RETURN MATERIAL  AUTHORIZATION.  If product is found to be defective per
        this Agreement, CONCIERGE, INC. will notify XeTel and XeTel will provide
        a Return Material  Authorization  (RMA) number prior to CONCIERGE,  INC.
        returning  the  product.  XeTel  will  attempt  to provide an RMA number
        within forty-eight (48) hours.

14.     CONCIERGE,  INC.   REPRESENTATIONS,   WARRANTIES  AND   INDEMNIFICATION.
        CONCIERGE, INC. hereby represents and warrants,  and  also  acknowledges
        that XeTel is relying on such representations  and  warranties, that the
        design(s)  for  CONCIERGE,  INC.'s   product(s)  which  CONCIERGE,  INC.
        furnished  to  XeTel  is  the  original  creation  of CONCIERGE, INC. or
        CONCIERGE, INC.  has  obtained such  rights from the original creator to
        disclose  the  design(s)  to XeTel and also that the manufacture of this
        product  by  XeTel will  not  violate or infringe upon any patent, trade
        secret,  copyright  or any other proprietary or other right of any third
        party. CONCIERGE, INC. also agrees to defend, indemnify, and hold XeTel,
        its officers, directors, employees and agents harmless from and  against
        any losses, costs (including attorney's fees), claims, demands, actions,
        damages, expenses, liabilities, or injuries arising out of or in any way
        related  to  any  alleged  infringement  of  any  patent,  trade secret,
        copyright, or other  proprietary  or  other  right  of  any  third party
        relating to the product design.

                                                                    Exhibit 10.1
                                                              Page 6 of 10 Pages
<PAGE>

15.     TERMINATION
        -----------

        a.     Either party may terminate by written  notice this  Agreement for
               convenience with one hundred eighty (180) days notice.

        b.     Either party may terminate by written notice this  Agreement  for
               cause if any material or unreasonable  default by the other party
               remains uncured for more than  thirty (30)  days  or if the other
               party files or has filed against it any bankruptcy, insolvency or
               receivership proceeding.   The  written  notice shall specify the
               conditions constituting the default and the corrective action, if
               any, to cure such default.

        c.     In the event of termination, CONCIERGE, INC. shall be liable for:
               1) direct cost of scheduled work-in-process for CONCIERGE,  INC.,
               2) direct cost of all inventory required for this work, 3) direct
               cost  of  all  non-cancelable  Purchase Orders,   4) cancellation
               and/or restocking charges  on Purchase Orders placed on behalf of
               CONCIERGE, INC.,  and   5)  labor costs  expended  in   procuring
               (including rescheduling and/or cancellation), handling (including
               internal  restocking),   preparing  and/or  processing   material
               associated with CONCIERGE, INC.'s  products/services.  XeTel will
               pay  for  packaging expenses  and  CONCIERGE, INC.  will  pay for
               freight expenses.

        d.     In the event of  termination,  each party  shall  prepare  for an
               orderly  termination  of this  Agreement and return to the owning
               party its materials, equipment, records, and specifications.

16.     CONFIDENTIALITY/NON-DISCLOSURE

        a.     All information  obtained by either party in connection with this
               Agreement and which is identified as  confidential or proprietary
               to the other party shall be maintained in confidence.

        b.     The parties shall not disclose the existence of this Agreement or
               its terms to others,  except as may be  necessary  to enforce the
               terms of this Agreement.

        c.     Each  party  agrees  not to  disclose  to  the  other  party  the
               confidential or proprietary information of others.

        d.     Within  thirty (30) days after the  termination  or expiration of
               the Agreement,  both parties shall forward to the other party all
               confidential  information  belonging to the other party which may
               be in its  possession.  Thereafter,  both  parties  shall make no
               further  use,  either   directly  or  indirectly,   of  any  such
               confidential information.

                                                                    Exhibit 10.1
                                                              Page 7 of 10 Pages
<PAGE>

        e.     The only rights or licenses which either party may claim as being
               granted   hereunder  are  those  which  are   expressly   granted
               hereunder, and no rights or licenses are conveyed to either party
               or to any third party by implication, waiver or estoppel.

17.     LIMITATION OF LIABILITY.  In no event shall XeTel be liable for special,
        collateral, indirect, exemplary, incidental or consequential damages for
        breach  or  any  other  provisions  of this Agreement, including without
        limitation,   those   provisions   regarding   warranties,   guarantees,
        indemnities, and patent infringement, such damages to include but not be
        limited to, costs  of removal and  reinstallment of goods or items, loss
        of good will, loss  of profits,  or loss of use.   This  limitation will
        apply even if XeTel has been advised of the possibility of such damages.

18.     FORCE MAJEURE.   Neither  party  shall  be  liable  for  any  delay   in
        performance  or  failure  to  perform,  in whole or in part, when due to
        labor dispute, strike, war or act of war (whether an  actual declaration
        is  made or not),  insurrection, riot, civil  commotion,  act of  public
        enemy, accident, fire, flood, or other act of God, act of any government
        authority,  judicial action,  or  similar causes  beyond the  reasonable
        control of such party.    If an event of force majeure occurs, the other
        party shall be immediately notified.

19.     RELATIONSHIP  OF  PARTIES.  XeTel  shall be deemed to be an  independent
        contractor of CONCIERGE,  INC. and therefore not an agent or employee of
        CONCIERGE, INC. CONCIERGE, INC. acknowledges that XeTel may from time to
        time use  additional  subcontractors  to complete the product and hereby
        gives approval to XeTel to use such other subcontractors.

20.     WAIVER.  No  failure  or delay on the part of  either  party  hereto  in
        exercising  any right or remedy under the  Agreement  shall operate as a
        waiver  thereof;  nor shall any single or partial  exercise  of any such
        right or remedy.  No provision of the  Agreement may be waived except in
        writing signed by such party granting the waiver.

21.     TAXES.  CONCIERGE,  INC. shall be  responsible  for and pay all taxes or
        other similar costs imposed on XeTel by any  jurisdiction as a result of
        or in  connection  with the  services  performed or products or products
        provided by XeTel hereunder.

22.     SEVERABILITY.  If  any  term  or  provision  of  this  Agreement  or the
        application of this Agreement to any person,  entity or  circumstance is
        found to be  invalid,  illegal  or  unenforceable  in any  respect,  the
        validity, legality and enforceability of the remainder of this Agreement
        shall not be  affected,  but shall be valid  and  enforceable  as if the
        invalid term, condition or provision were not a part of this Agreement.

                                                                    Exhibit 10.1
                                                              Page 8 of 10 Pages
<PAGE>

23.     PARTIES  BOUND.  This  Agreement  shall be binding upon and inure to the
        benefit of the parties  hereto and their  respective  heirs,  executors,
        administrators,  legal  representatives,  successors,  and assigns where
        permitted by this Agreement.

24.     SUPERSEDING EFFECT

        a.     This Agreement, including all attachments, constitutes the entire
               agreement between the parties with respect to  the subject matter
               hereof,   and    supersedes    all    previous    communications,
               representations,  understanding  and  agreements,  either oral or
               written,  between  the  parties or any official or representative
               hereof.   This  Agreement  shall be  modified only in writing and
               signed by authorized representatives of the parties.

        b.     Any  term,  condition  and/or   provision  of  CONCIERGE,  INC.'s
               Purchase Order  or  other  documentation,  which  is  in any  way
               inconsistent  with  or  in  addition to these terms, shall not be
               binding  upon   XeTel  unless  accepted by XeTel in writing.  The
               submission  of  a   Purchase Order  to   XeTel  or  retention  by
               CONCIERGE, INC.  of  any  goods  or  services delivered hereunder
               shall  be  conclusively  deemed  acceptance  of the terms hereof.
               XeTel's failure to object to terms contained in any communication
               fromCONCIERGE, INC. will not be an acceptance thereof or a waiver
               of the terms hereof.

25.     NON-ASSIGNMENT. This Agreement may not be assigned without prior written
        agreement and approval of the other party.

26.     APPLICABLE LAW.  This Agreement shall in all respects be governed by and
        construed  in  accordance  with  the  laws  of the  State of Texas.  The
        exclusive  jurisdiction  for  any  legal  proceeding  arising  from this
        Agreement shall be the courts of Texas. If any legal action is necessary
        to  enforce  the  terms of this Agreement, the prevailing party shall be
        entitled to reasonable  attorney's fees in  addition to any other relief
        to which that party may be entitled.  This provision shall be  construed
        as applicable to the entire Agreement.

27.     NOTICES.   All  required or  permitted notices will be given by personal
        delivery,  registered  U.S.  mail  or  Federal Express  to the addresses
        listed above.

The parties  execute  this  Agreement  to be effective on the later of the dates
referenced below.

XeTel Corporation                            CONCIERGE, INC.

By: /s/ Norman E. O'Shea                     By: /s/ Allen E. Kahn
    -------------------------------              -------------------------------

                                                                    Exhibit 10.1
                                                              Page 9 of 10 Pages
<PAGE>

Name:   Norman E. O'Shea                           Name:   Allen E. Kahn
Title:  Vice President &                           Title:  President
        General Manager

Date:   7/21/2000                                   Date:  7/21/00

Rev.    01/00

                                                                    Exhibit 10.1
                                                             Page 10 of 10 Pageseassist.com

                             Service Level Agreement

                                       For

                                    Concierge

March 29, 2000

This document  contains proprietary  and confidential information.  Neither this
document  nor said  proprietary  information  shall  be  published,  reproduced,
copied, disclosed, or used for any purpose  without prior  written approval from
eAssist.com:   5005  Wateridge  Vista  Drive,   San  Diego,  California,  92121.
www.eAssist.com

--------------------------------------------------------------------------------
Concierge SLA           Confidential              Page 1                 3/29/00

                                                                    Exhibit 10.2
                                                              Page 1 of 14 Pages
<PAGE>

                                   eassist.com
                          Service Level Agreement (SLA)

Under   this   Agreement,   dated   3/31/00,   eAssist.com,  Inc.    ("eAssist",
"eAssist.com") and Concierge ("Concierge") agree to the following:

1.      Services
        --------

        Concierge wishes to contract  eAssist.com to provide multimedia customer
        relationship  management  (eCRM) services via the Internet to Concierge.
        eAssist.com  will  provide  outsourced  e-mail  management  services and
        software,  chat management  services and software,  and voice based call
        handling.  eAssist.com  will be  responsible  for the  management of all
        technical infrastructure, bandwidth, hardware, software and agents.

2.      Term
        ----

        The term of this  Agreement  shall be two years  commencing  on 3.29.00.
        Thereafter,  the  agreement  will  automatically  renew  for  successive
        one-year periods unless Concierge  notifies  eAssist.com sixty (60) days
        prior  to  the  Agreement  and  date  of its  intention  to  cancel  the
        Agreement.  eAssist.com  may terminate  this agreement for any reason on
        sixty (60) days written notice.  In the event of any form of termination
        Concierge  agrees  to pay  eAssist.com  all  costs  identified  in  this
        Agreement up to and including the date of termination.

3.      Payment of Invoices
        -------------------

        Setup fees are payable on agreement signature.

        All invoices are payable net thirty (30).

        If  invoices  are not paid  within  thirty  (30) days of the invoice due
        date,  eAssist.com will send a collection notice to Concierge requesting
        payment.  If the payment is not received within fifteen (15) days of the
        date  posted  on the  collection  notice,  eAssist.com  may at its  sole
        discretion  disable the service.  The service will only be re-enabled on
        full payment of all outstanding invoices.

4.      Implementation
        --------------

        The work to be performed  in order to implement an eAssist  solution for
        Concierge site is described in Appendix A.

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Concierge SLA           Confidential              Page 2                 3/29/00

                                                                    Exhibit 10.2
                                                              Page 2 of 14 Pages
<PAGE>

                                   eassist.com
                          Service Level Agreement (SLA)

5.      Service Level by Type
        ---------------------

        The  following  schedule  provides the  (OUTSOURCED)  service  levels by
        service type as measured monthly.

        o      All services will be available 24 hours per day 7 days per week
        o      90% of automatic  e-mail  response  within  10  minutes
        o      90% of personalized  e-mail  response  within  8 hours
        o      80% of chat requests commenced  within 120 seconds
        o      80% of calls (VolP)  answered within 120 seconds
        o      Net of  pre-authorized  maintenance  windows,   hardware/software
               uptime of 95%

6.      Compensation
        ------------

        6.1.   Outsourced Pricing Schedule [Omitted Language]

        6.2.   Pricing Detail

               6.2.1.  One Time Installation and Set Up Services

                      eAssist.com will provide consulting services that include:

                      Facilities - eAssist.com Facility

                             o       Customization of secure data facilities
                             o       Hardware customization and configuration
                             o       Desktop configuration for required staffing
                                     levels

                      Implementation Planning

                             Discovery meeting

                             o       Domain strategy design and development
                             o       Technical     architecture    design    and
                                     development
                             o       Operational process definition and design

                             Blueprint development

                             o       Single  specific   design  document   which
                                     outlines  all  components  of  the  domain,
                                     strategic, and technical agreement

--------------------------------------------------------------------------------
Concierge SLA           Confidential              Page 3                 3/29/00

                                                                    Exhibit 10.2
                                                              Page 3 of 14 Pages

<PAGE>

                                   eassist.com
                          Service Level Agreement (SLA)

                             o       Becomes  an  addendum to  the contract once
                                     signed and  forms the  basis for all future
                                     design changes
                             o       Ensures  consistency   through   documented
                                     communication  without  raising unnecessary
                                     hurdles or barriers

                             Operational development

                             o      On-site operational development session with
                                    eAssist.com   specialists   to  design   and
                                    develop operational processes and procedures
                                    for  the   integrated   management   of  the
                                    customer contact center
                             o      Dedicated  off-site support  for development
                                    of  integrated  management  of  the customer
                                    contact center
                             o      We will provide domain expertise with regard
                                    to     the     recruiting,     prescreening,
                                    interviewing and hiring of ESRs - our proven
                                    methodologies  will minimize the recruitment
                                    cycle, maximize employee  satisfaction,  and
                                    reduce employee turnover
                             o      We will provide domain expertise with regard
                                    to  training  methodologies  which work best
                                    within    the    ESRs     environment    our
                                    methodologies  will  maximize  productivity,
                                    reduce the training cycle,  and minimize the
                                    learning curve

                      Technical Implementation

                             o      Team of  technical  architects  dedicated to
                                    the  conceptual  design  and  development of
                                    required technical infrastructure
                             o      Technical  consulting  work with Concierge's
                                    technical teams both on and off site
                             o      Design,    setup,     implementation     and
                                    integration    of    customized     software
                                    applications   for:      one-to-one     chat
                                    interaction,  processes for  integrating web
                                    pages  directly  with  our  chat  server and
                                    continual knowledge base expert system

--------------------------------------------------------------------------------
Concierge SLA           Confidential              Page 4                 3/29/00

                                                                    Exhibit 10.2
                                                              Page 4 of 14 Pages
<PAGE>

                                   eassist.com
                          Service Level Agreement (SLA)

                             o      Design,     setup,     implementation    and
                                    integration     of    customized    software
                                    applications     for:      automated     and
                                    personalized e-mail
                             o      Design,     setup,     implementation    and
                                    integration     of    customized    software
                                    applications for: VolP
                             o      Design,     setup,     implementation    and
                                    integration     of    customized    software
                                    applications for: eCRM

                      Knowledge Base Development

                             o       Knowledge base "use" training
                             o       Knowledge base train-the-trainer training
                             o       Knowledge  base  deployment  and  structure
                                     design - professional and consumer portals

                      Reporting Design and Definition

                             o       Standardized    reporting    tools    query
                                     definition
                             o       Customized   report  design  per  Concierge
                                     requirements
                             o       Tracking database setup and design

                      Terms

                             o      Additional   consulting    requirements   or
                                    changes to the initial design specifications
                                    may incur additional setup costs. Additional
                                    costs are subject to Concierge approval.

               6.2.2.  Monthly Management Services

                      eAssist.com  charges a flat-rate  monthly  management  fee
                      that  includes  domain  expertise,   system   maintenance,
                      account   management   and    administrative    functions.
                      eAssist.com will assign a dedicated team of specialists to
                      oversee the on-going management of this program and manage
                      a team of specialists to handle client interactions.

                      Domain Expertise

--------------------------------------------------------------------------------
Concierge SLA           Confidential              Page 5                 3/29/00

                                                                    Exhibit 10.2
                                                              Page 5 of 14 Pages
<PAGE>

                                   eassist.com
                          Service Level Agreement (SLA)

                      Knowledge Base Management

                      o      Automated  e-mail response and content required for
                             Chat Content Push, Web IVR, VolP, and  Personalized
                             E-mail  response  necessitates  the development and
                             deployment of a knowledge base.
                      o      Deploy the necessary technology to accommodate this
                             requirement.
                      o      Dedicate  expert  users to develop  this  knowledge
                             base.  These  specialists  will work with Concierge
                             and eAssist.com to maximize the rate of development
                             of the knowledge base.
                      o      The  objective  of  the  specialists   will  be  to
                             maximize  the   percentage  of  customer   contacts
                             handled by the auto-response engine and to maximize
                             the  productivity of the chat sessions through push
                             content availability and development.

                      Relationship Management

                      o      Single point of relationship  responsibility within
                             eAssist.com,     experienced    customer    contact
                             management    knowledge,    coordination   of   all
                             eAssist.com   operational   functions  including  -
                             technical,  finance and consulting - with Concierge
                             operations management.

                      Data Reporting/Mining Analysis

                      o      eAssist.com's  mission  provides  for   value-added
                             services to be an integral component of our service
                             offering.
                      o      Our  systems  will be  designed  with  data  mining
                             capabilities   as   well  as   advanced   reporting
                             functions.
                      o      In addition,  our system will be flexible enough to
                             handle  ad hoc  reporting  requirements  that  will
                             allow tailored reporting to meet outside-of-the-box
                             requirements.
                      o      eAssist.com has anticipated providing the following
                             three value added services, more will be added when
                             the discovery meeting is complete:

--------------------------------------------------------------------------------
Concierge SLA           Confidential              Page 6                 3/29/00

                                                                    Exhibit 10.2
                                                              Page 6 of 14 Pages
<PAGE>

                                   eassist.com
                          Service Level Agreement (SLA)

                      o       Staffing   recommendations  based   on   patterned
                              historical information analysis
                      o       Retention recommendations
                      o       Stimulation recommendations

                      Administrative Functions

                      o      Reporting  functions,   facilities  management  and
                             development of the knowledge  base,  data mining to
                             drive knowledge base development, train-the-trainer
                             sessions,    bandwidth   analysis,    and   ongoing
                             consulting for maintenance and modifications to the
                             systems.

                      System Maintenance

                      o      On-going  development  of the  Concierge's  system,
                             security management, firewall management, dedicated
                             system engineers,  server & server farm maintenance
                             and  management,  on-site and off-site  development
                             work (plus disbursements).

               6.2.3.  Channel Services

                      Self-Help

                      o      The  processing  and handling of inbound self- help
                             requests  designed to provide  companies with fast,
                             accurate  and  personalized  responses  to customer
                             questions.
                      o      Our   extensible   eCRM  system,   which  works  in
                             conjunction with the self-help  processing,  allows
                             for the capture of additional customer  information
                             to gain  valuable  insight  for  enhanced  customer
                             retention.

                      Email

                      o      The   processing  and  handling  of  inbound  email
                             requests  designed to provide  companies with fast,
                             accurate  and  personalized  responses  to customer
                             questions.
                      o      We build in automation and artificial  intelligence
                             components to accommodate large volumes of web- and
                             e-mail-based inquiries.

--------------------------------------------------------------------------------
Concierge SLA           Confidential              Page 7                 3/29/00

                                                                    Exhibit 10.2
                                                              Page 7 of 14 Pages
<PAGE>

                                   eassist.com
                          Service Level Agreement (SLA)

                      o      Our   extensible   eCRM  system,   which  works  in
                             conjunction with the e-mail processing,  allows for
                             the capture of additional  customer  information to
                             gain   valuable   insight  for  enhanced   customer
                             retention.

                      Chat

                      o      The   processing   and  handling  of  inbound  chat
                             requests  designed to provide  companies with fast,
                             accurate  and  personalized  responses  to customer
                             questions.
                      o      We  build  in  automation  and  routing  components
                             to accommodate large volumes of web chat inquiries.
                      o      Our   extensible   eCRM  system,   which  works  in
                             conjunction  with the chat  system,  allows for the
                             capture of additional customer  information to gain
                             valuable insight for enhanced customer retention.

                      Collaboration

                      o      The    processing    and    handling   of   inbound
                             collaboration    requests   designed   to   provide
                             companies  with  fast,  accurate  and  personalized
                             responses to customer questions.
                      o      We  build  in  automation and routing components to
                             accommodate   large    volumes   of   collaboration
                             inquiries.
                      o      Our   extensible   eCRM  system,   which  works  in
                             conjunction  with the chat  system,  allows for the
                             capture of additional customer  information to gain
                             valuable insight for enhanced customer retention.

                      VolP

                      o      The   processing   and  handling  of  inbound  VolP
                             requests  designed to provide  companies with fast,
                             accurate  and  personalized  responses  to customer
                             questions.
                      o      We  build  in  automation and routing components to
                             accommodate large volumes of VolP inquiries.
                      o      Our  extensible  eCRM   system,  which   works   in
                             conjunction with the VolP, allows for the

--------------------------------------------------------------------------------
Concierge SLA           Confidential              Page 8                 3/29/00

                                                                    Exhibit 10.2
                                                              Page 8 of 14 Pages
<PAGE>

                                   eassist.com
                          Service Level Agreement (SLA)

                             capture of additional customer  information to gain
                             valuable insight for enhanced customer retention.

                      Live-Person Telephone Support

                      o      The  processing  and handling of inbound  telephone
                             requests  designed to provide  companies with fast,
                             accurate  and  personalized  responses  to customer
                             questions.

                      Overflow Voice Call Handling

                      o      The processing  and handling of overflow  telephone
                             requests  designed to provide  companies with fast,
                             accurate  and  personalized  responses  to customer
                             questions.
                      o      eAssist.com  provides  dedicated  staffing based on
                             pre-approved staffing schedules.

               6.2.4.  Monthly Software Usage Fees

                      For the hosted  solution only.  There is a monthly service
                      fee  associated  with the license to use the eCRM,  email,
                      chat, and/or VolP software.  This license fee is allocated
                      per  enabled   workstation.   The  enabling   software  is
                      proprietary and/or licensed software of eAssist.com.

               6.2.5. Additional Services and Incidentals

                      Training

                      o      We design and build a training  program for the web
                             agents  to  understand  and be  efficient  with the
                             technologies  as well as with  the  content  of the
                             client with which we are working.
                      o      The training also includes training of  supervisors
                             and managers of the system.
                      o      Bandwidth   requirements   included  out   to   the
                             Internet, not included between eAssist.com

       facility and Concierge facility.

                      Disbursements

--------------------------------------------------------------------------------
Concierge SLA           Confidential              Page 9                 3/29/00

                                                                    Exhibit 10.2
                                                              Page 9 of 14 Pages

<PAGE>

                                   eassist.com
                          Service Level Agreement (SLA)

                     o       Concierge upon mutual agreement and approval,  will
                             reimburse   eAssist.com   for   all   disbursements
                             associated  with  the  account  including  airfare,
                             ground    transportation,    hotel   accommodations
                             reasonable  travel-related  expenses  and any other
                             reasonable expense that results from the management
                             of the account.

7.      Warranties, Disclaimers and Miscellaneous
        -----------------------------------------

        7.1.   Limited Service Warranty

        eAssist.com  warrants  that it  will  use  its  commercially  reasonable
        efforts to minimize  downtime,  and that upon  notification of excessive
        downtime,  eAssist.com  will  provide  only the  following  remedies  to
        Concierge.

        7.2.   Year 2000

        This  statement  is provided as a "Year 2000  Readiness  Disclosure"  as
        defined in the Year 2000  Information  and Readiness  Disclosure  Act of
        1998 (Public Law 105-271, 112 Stat. 2386), enacted on October 19, 1998.

        As the Company is a recent start-up venture, we have not had to evaluate
        existing  Company  equipment  and  processes  for  possible  turn of the
        century problems. Instead, we have evaluated the Year 2000 compliance of
        each new purchase,  lease,  license or other  "acquisition"  of computer
        hardware and software,  business  processes  and pertinent  non-computer
        equipment  and  embedded  processors  and  controllers  at the  time  of
        acquisition.   The  Company   recognizes   the  importance  of  business
        continuity  into the new century and  believes  its Year 2000 program is
        designed to achieve Year 2000 readiness at the Company.

        It is still  too  early to  measure  our  success,  however,  and we are
        dependent to a significant  extent on the Year 2000 fixes and assurances
        of our  vendors.  In  addition,  unresolved  Year 2000  problems  of our
        providers and customers could affect us.  Nevertheless,  while there are
        uncertainties  and  unknowns  inherent  in the Year 2000  problem and we
        cannot be responsible for Year 2000 failures outside of our control,  we
        feel  confident  that  the  steps  we  are  taking  are  reasonable  and
        appropriate.

--------------------------------------------------------------------------------
Concierge SLA           Confidential              Page 10                3/29/00

                                                                    Exhibit 10.2
                                                             Page 10 of 14 Pages
<PAGE>

                                   eassist.com
                          Service Level Agreement (SLA)

        7.3.   No Other Warranty

        Services are provided on an "AS IS" basis,  and  Concierge's  use of the
        eAssist.com  service is at its own risk.  eAssist.com does not make, and
        hereby  disclaims,  any and all other  express  or  implied  warranties,
        including,  but not limited to, warranties of  merchantability,  fitness
        for particular purpose,  non-infringement  and title, and any warranties
        arising from a course of dealing, usage, or trade practice.  EAssist.com
        does not warrant that the service will be  uninterrupted,  error-free or
        completely secure.

        7.4.   Indemnification

        Concierge agrees to indemnify, defend and hold harmless eAssist.com from
        and  against  any and all suits and any  costs and  expenses,  including
        legal fees, which may be imposed on or suffered by Concierge as a result
        of eAssist.com's  representation  of Concierge or as a result of errors,
        misstatements  or omissions in any information  furnished to eAssist.com
        by  Concierge,  Concierge  employees or agents  regarding  Concierge and
        Concierge business activities.

        7.5.   Maximum Liability

        eAssist.com's  maximum aggregate liability to Concierge related to or in
        connection  with this Agreement will be limited to the total amount paid
        by Concierge to  eAssist.com  hereunder for the 3-month  period prior to
        the event or events giving rise to such liability.

        7.6.  Reliance on Disclaimers, Liability Limitations and Indemnification
              Obligations

        Concierge  acknowledges  that eAssist.com has set its prices and entered
        into this Agreement in reliance upon the  limitations  and exclusions of
        liability,  the  disclaimers of warranties  and damages and  Concierge's
        indemnity  obligations  set  forth  herein,  and that  the same  form an
        essential  basis of the bargain  between the parties.  The parties agree
        that  the  limitations  and  exclusions  of  liability  and  disclaimers
        specified in this Agreement will survive and apply even if the Agreement
        is found to have failed of their essential purpose.

        7.7.   Force Majeure

--------------------------------------------------------------------------------
Concierge SLA           Confidential              Page 11                3/29/00

                                                                    Exhibit 10.2
                                                             Page 11 of 14 Pages
<PAGE>

                                   eassist.com
                          Service Level Agreement (SLA)

        eAssist.com will not be liable for any failure under this Agreement,  or
        for  credits,  or  reduction  in  charges  due to any cause  beyond  its
        reasonable  control,  including  acts of war,  acts of God,  earthquake,
        flood, embargo, riot, sabotage, labor shortage or dispute,  governmental
        act or failure of the Internet.

        7.8.   Marketing

        Concierge  agrees that  eAssist.com may refer to Concierge by trade name
        and  trademark,  and  may  briefly  describe  Concierge's  business,  in
        eAssist.com marketing materials and web site.

        7.9.   Confidentiality

        Definition  of  "Confidential  Information"  For  the  purposes  of this
        Agreement, "Confidential Information" means any information disclosed by
        either  party to the other  party,  either  directly or  indirectly,  in
        writing,  orally or by inspection of tangible  objects or by the viewing
        of  product  demonstrations  (including  without  limitation  documents,
        prototypes  and  equipment),  which is  designated  or  described by the
        disclosing  party  as  "Confidential,"  "Proprietary"  or  some  similar
        designation.   Information   communicated  orally  shall  be  considered
        Confidential  Information if such  information is designated at the time
        of disclosure as confidential. Confidential information may also include
        information   disclosed  to  a  disclosing   party  by  third   parties.
        Confidential  information shall not include any information which (i) is
        publicly  known and is generally  available in the public domain through
        no action or inaction of the  receiving  party;  (ii) was already in the
        possession  of the  receiving  party  at the time of  disclosure  by the
        disclosing  party as shown by the  receiving  party's  files and records
        immediately  prior to the time of  disclosure;  (iii) is obtained by the
        receiving party from an independent third party without a breach of such
        third party's obligations of  confidentiality;  or (iv) is independently
        developed  by  the  receiving  party  without  use  of or  reference  to
        materials provided by the disclosing party.

        Non-use  and  Nondisclosure  Each party  agrees that it will not use any
        Confidential  Information  of the other party for any purpose except for
        the Authorized Purpose.  Each party agrees that it will not disclose any
        of the other party's  Confidential  Information to (i) any third parties
        or (ii)

--------------------------------------------------------------------------------
Concierge SLA           Confidential              Page 12                3/29/00

                                                                    Exhibit 10.2
                                                             Page 12 of 14 Pages
<PAGE>

                                   eassist.com
                          Service Level Agreement (SLA)

        such party's own employees,  except for those employees who are required
        to have the  information  in  connection  with the  Authorized  Purpose.
        Neither  party shall  reverse  engineer,  disassemble  or decompile  any
        prototypes,  software or other  tangible  objects which embody the other
        party's  Confidential  Information  and which are  provided to the party
        hereunder.

        Maintenance  of  Confidentiality  Each party  agrees  that it shall take
        reasonable  measures to protect the secrecy of and avoid the  disclosure
        and the unauthorized use of the other party's Confidential  Information.
        Without  limiting  the  foregoing,  each party shall take at least those
        measures  that it takes to  protect  its own  most  highly  confidential
        information  and shall ensure that each of its employees who have access
        to the other party's  Confidential  Information has signed a non-use and
        nondisclosure  Agreement in content  similar to the  provisions  hereof,
        prior to any disclosure of  Confidential  Information to such employees.
        Neither  party shall make any copies of the other  party's  Confidential
        Information  without the disclosing party's prior written consent.  Each
        party shall  reproduce the other party's  proprietary  rights notices on
        any such approved copies,  in the same manner in which such notices were
        set forth in or on the original.  In the event that a receiving party is
        required by law to disclose  Confidential  Information obtained from the
        disclosing  party,  the receiving party shall give the disclosing  party
        prompt written  notice of such  requirement as soon as possible prior to
        such  disclosure and shall provide the disclosing  party with assistance
        in obtaining an order protecting the information from disclosure.

        7.10.  Notices

        All notices shall be sent to the following addresses:

               o       If to eAssist.com:

                             eAssist.com
                             c/o Ben Pak, Comptroller
                             5005 Wateridge Vista Drive, Suite 100
                             San Diego, CA
                             92171
                             USA

--------------------------------------------------------------------------------
Concierge SLA           Confidential              Page 13                3/29/00

                                                                    Exhibit 10.2
                                                             Page 13 of 14 Pages
<PAGE>

                                   eassist.com
                          Service Level Agreement (SLA)
                               o If to Concierge:

                             Allen E. Kahn
                             531 Main Street #963
                             El Segundo, CA 90245

        7.11.  Miscellaneous

        This Agreement shall bind and inure to the benefit of the parties hereto
        and their  successors and assigns.  This Agreement  shall be governed by
        the laws of the State of  California,  without  reference to conflict of
        law  principles.  Each party  agrees that any  violation  or  threatened
        violation of this  Agreement may cause  irreparable  injury to the other
        party,  entitling the other party to seek injunctive  relief in addition
        to all legal remedies.  Each party agrees to submit any and all disputes
        regarding  this  Agreement,  if not  resolved  between the  parties,  to
        binding  arbitration  in  accordance  with the  Commercial  Rules of the
        American Arbitration  Association.  The decision and any award resulting
        from such arbitration shall be binding and final. This document contains
        the entire  Agreement  between the parties  with  respect to the subject
        matter hereof,  and neither party shall have any obligation,  express or
        implied by law, with respect to trade secret or proprietary  information
        of the other party  except as set forth  herein.  Any failure to enforce
        any provision of this Agreement shall not constitute a waiver thereof or
        of any other  provision.  This  Agreement  may not be  amended,  nor any
        obligation waived, except by a writing signed by both parties hereto.

8.      Signatures
        ----------

        Agreed to on March 31, 2000, at Los Angeles, CA.

By:

eAssist.com                                Concierge

/s/ [signature illegible]                  /s/ Allen E. Kahn
----------------------------------         -------------------------------------
Name                                       Name

Controller                                 President
----------------------------------         -------------------------------------
Title                                      Title

--------------------------------------------------------------------------------
Concierge SLA           Confidential              Page 14                3/29/00

                                                                    Exhibit 10.2
                                                             Page 14 of 14 Pages

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