Document:

<PAGE>

                                                                    EXHIBIT 10.1

                    AMENDED AND RESTATED PURCHASE AGREEMENT

     THIS AMENDED AND RESTATED PURCHASE AGREEMENT (the "Agreement") is made and
entered into as of the 12th of April, 2000, by and between the following:

         e-NET FINANCIAL.COM CORPORATION, a Nevada corporation (hereinafter "E-
     NET")

         and EMB CORPORATION, a Hawaii corporation (hereinafter "EMB").

                              W I T N E S S E T H
                              - - - - - - - - - -

     WHEREAS, in January of 2000, the parties hereto previously entered into a
Purchase Agreement, which agreement the parties hereto desire to amend and
restate in full;

     WHEREAS, subject to the terms and conditions of this Agreement, E-NET and
EMB desire for E-NET to purchase from EMB and for EMB to sell to E-NET certain
assets owned by EMB, including all the capital stock of various subsidiaries of
EMB, as more particularly described in Paragraph 2.1 of this Agreement
(hereinafter referred to as the "EMB Assets"), together with certain liabilities
of EMB which are associated with the EMB Assets; and

     WHEREAS, the Board of Directors of E-NET deems it desirable and in the best
interests of E-NET and its stockholders that E-NET purchase the EMB Assets in
consideration of the issuance by E-NET to EMB of Seven Million Five Hundred
Thousand (7,500,000) shares of E-NET common stock and cash and a short-term
promissory note in the aggregate amount of Four Million Dollars ($4,000,000);
and

     WHEREAS, the Board of Directors of EMB deems it desirable and in the best
interests of EMB and its stockholders that EMB sell the EMB Assets, which
constitute a minority portion of its assets, as determined by the fair market
value of all of its assets; and

     WHEREAS, the Board of Directors of E-NET and EMB may approve and adopt this
Agreement as a plan of reorganization within the meaning, and subject to the
provisions, of Section 368 and other applicable provisions of the Internal
Revenue Code of 1986, as amended; and

     WHEREAS, E-NET and EMB desire to provide for certain undertakings,
conditions, representations, warranties, and covenants in connection with the
transactions contemplated by this Agreement; and

     WHEREAS, the respective Boards of Directors of E-NET and EMB have approved
and adopted this Agreement, subject to the terms and conditions set forth
herein;

     NOW, THEREFORE, in consideration of the premises and the mutual covenants
and agreements herein contained, the parties hereto do hereby agree as follows:
<PAGE>

                                   SECTION 1

                                  DEFINITIONS
                                  -----------

     1.1  "Agreement," "E-NET" and "EMB", respectively, shall have the meanings
           ---------    -----       ---
defined on the cover page and in the foregoing preamble and recitals to this
Agreement.

     1.2  "Closing Date" shall mean 2:00 p.m., local time, April 12, 2000, at
           ------------
3200 Bristol Street, 8/th/ Floor, Costa Mesa, California 92626, the date on
which the parties hereto shall close the transactions contemplated herein;
provided that the parties can change the Closing Date and place of Closing to
such other time and place as the parties shall mutually agree, in writing. As of
the Closing Date all Exhibits to this Agreement shall be complete and attached
to this Agreement.

                                   SECTION 2

                 AGREEMENT FOR PURCHASE AND SALE OF EMB ASSETS
                 ---------------------------------------------

     2.1  Substantive Terms of the Purchase and Sale of EMB Assets.
          --------------------------------------------------------

          (a) EMB shall sell and deliver to E-NET one hundred percent (100%) of
     the issued and outstanding common stock of its wholly-owned, operating
     subsidiaries: AMERICAN RESIDENTIAL FUNDING, INC., a Nevada corporation
     (hereinafter "AMRES"), and BRAVO REAL ESTATE, INC., a California
     corporation (hereinafter "BRAVO") in a form enabling E-NET then and there
     to become the record and beneficial owner of said common stock, as follows:
     with respect to AMRES, Four Thousand Thirty-Eight (4,038) shares; with
     respect to BRAVO, Ten Thousand (10,000) shares.

          (b) EMB has assigned to E-NET all of its rights pursuant to that
     certain Letter of Intent dated June 9, 1999 by and between EMB and Titus
     R.E. LLC (hereinafter "TITUS") concerning the acquisition of TITUS.

          (c) E-NET shall assume certain obligations and liabilities of EMB
     which are associated with the operations of the various subsidiaries being
     sold by EMB to E-NET as more fully described in the books and records of
     EMB and as set forth in Exhibit 4.9 hereto.

     2.2  Issuance of E-NET Common Stock.  E-NET shall sell and deliver to EMB
          ------------------------------
(a) seven million five hundred thousand (7,500,000) shares of E-NET common
stock. Said stock shall be registered with the Securities and Exchange
Commission pursuant to the registration requirements of the Securities Act of
1933, as amended, and such shall meet the registration requirements promulgated
by the various states in as set forth in the Blue Sky laws of such states, all
as set forth in Section 3.9, below; and (b) cash and a short-term promissory
note in the aggregate amount of Four Million Dollars ($4,000,000).
<PAGE>

                                   SECTION 3

                    REPRESENTATIONS AND WARRANTIES OF E-NET
                    ---------------------------------------

     E-NET, in order to induce EMB to execute this Agreement and to consummate
the transactions contemplated herein, represents and warrants to EMB as follows:

     3.1  Organization and Qualification.  E-NET is a corporation duly
          ------------------------------
organized, validly existing, and in good standing under the laws of Nevada, with
all requisite power and authority to own its property and to carry on its
business as it is now being conducted. E-NET is duly qualified as a foreign
corporation and in good standing in each jurisdiction where the ownership,
lease, or operation of property or the conduct of business requires such
qualification, except where the failure to be in good standing or so qualified
would not have a material, adverse effect on the financial condition or business
of E-NET.

     3.2  Ownership of E-NET.  E-NET is authorized to issue two classes of stock
          ------------------
of up to 20,000,000 common shares, $.001 par value per share, and of up to
1,000,000 preferred shares, no par value per share.

     3.3  Authorization and Validity.  E-NET has the requisite power and is duly
          --------------------------
authorized to execute and deliver and to carry out the terms of this Agreement.
The board of directors and stockholders of E-NET have taken all action required
by law, its Articles of Incorporation and Bylaws, or otherwise to authorize the
execution and delivery of this Agreement and the consummation of the
transactions contemplated hereby, subject to the satisfaction or waiver of the
conditions precedent set forth in Section 8 of this Agreement.  Assuming this
Agreement has been approved by all action necessary on the part of EMB, this
Agreement is a valid and binding agreement of E-NET.

     3.4  No Defaults.  E-NET is not in default under or in violation of any
          -----------
provision of its Articles of Incorporation or Bylaws.  E-NET is not in default
under or in violation of any material provision of any indenture, mortgage, deed
of trust, lease, loan agreement, or other agreement or instrument to which it is
a party or by which it is bound or to which any of its is subject, if such
default would have a material, adverse effect on the financial condition or
business of E-NET.  E-NET is not in violation of any statute, law, ordinance,
order, judgment, rule, regulation, permit, franchise, or other approval or
authorization of any court or governmental agency or body having jurisdiction
over it or any of its properties which, if enforced, would have a material,
adverse effect on the financial condition or business of E-NET.  Neither the
execution and delivery of this Agreement, nor the consummation of the
transactions contemplated herein, will conflict with or result in a breach of or
constitute a default under any of the foregoing or result in the creation of any
lien, mortgage, pledge, charge, or encumbrance upon any asset of E-NET and no
consents or waivers thereunder are required to be obtained in connection
therewith in order to consummate the transactions contemplated by this
Agreement.

     3.5  Proprietary Rights.  E-NET owns or is duly licensed to use such
          ------------------
trademarks and copyrights as are necessary to conduct its business as presently
conducted.  The conduct of business by E-NET does not infringe upon the
trademarks or copyrights of any third party, if such infringement
<PAGE>

would have a material, adverse effect upon the financial condition or business
of E-NET.

     3.6  Books of Account and Reports; Internal Controls.
          -----------------------------------------------

          (a) The books of account of E-NET accurately reflect in all material
     respects all of its items of income and expense, all of its assets,
     liabilities, and accruals, and are prepared and maintained in form and
     substance adequate for preparing audited financial statements, in
     accordance with generally accepted accounting procedures as historically
     and consistently applied by E-NET.  E-NET has accurately prepared and
     filed, or is currently preparing for filing, all reports required by any
     law or regulation to be filed by it, and it has duly paid or accrued on its
     books of account all applicable duties and charges due (or assessed against
     it) pursuant to such reports.

          (b)  E-NET has devised and maintained a system of internal accounting
     controls sufficient to provide reasonable assurances that transactions are
     recorded as necessary (i) to permit preparation of financial statements in
     conformity with generally accepted accounting principles and (ii) to
     maintain accountability for assets and expenses.

     3.7  Litigation.  There are no actions, suits, proceedings, orders,
          ----------
investigations, or claims pending or, to the knowledge of E-NET threatened
against or affecting E-NET at law or in equity, or before or by any governmental
department, commission, board, bureau, agency, or instrumentality, which, if
adversely determined, would materially and adversely affect the financial
condition of E-NET, or which seek to prohibit, restrict, or delay the
consummation of the transactions contemplated hereby. E-NET is not operating
under or subject to, or in default with respect to, any order, writ, injunction,
or decree of any court or federal, state, municipal, or other governmental
department, commission, board, agency, or instrumentality.

     3.8  Insurance.  E-NET has insurance against losses or damages and other
          ---------
risks in amounts and of a character usually insured against by companies in the
same or similar business.

     3.9  Registration Statement.  E-NET will file with the Securities and
          ----------------------
Exchange Commission, and will diligently prosecute to effectiveness, a
Registration Statement on registering for distribution and resale the 7,500,000
shares of its common stock described in paragraph 2.2, below.

     3.10 Documents.  The copies of all agreements and other instruments that
          ---------
have been delivered by E-NET to EMB are true, correct, and complete copies of
such agreements and instruments and include all amendments thereto.

     3.11 Disclosure.  The representations and warranties made by E-NET herein
          ----------
and in any schedule, statement, certificate, or document furnished or to be
furnished by E-NET to EMB pursuant to the provisions hereof or in connection
with the transactions contemplated hereby, taken as a whole, do not and will not
as of their respective dates contain any untrue statements of a material fact,
or omit to state a material fact necessary to make the statements made not
misleading.
<PAGE>

                                   SECTION 4

                     REPRESENTATIONS AND WARRANTIES OF EMB
                     -------------------------------------

     EMB, in order to induce E-NET to execute this Agreement and to consummate
the transactions contemplated herein, represents and warrants to E-NET as
follows:

     4.1  Organization and Qualification.  (a) AMRES is a corporation duly
          ------------------------------
organized, validly existing, and in good standing under the laws of the state of
Nevada with all requisite power and authority to own its property and assets and
to carry on its business as it is now being conducted. AMRES is qualified as a
foreign corporation and is in good standing in each jurisdiction where the
ownership, lease, or operation of property or the conduct of its business
requires such qualification except where the failure to be in good standing or
so qualified would not have a material, adverse effect on the financial
condition and business of AMRES.  (b) BRAVO is a corporation duly organized
under the laws of the state of California.  At the present time, BRAVO may not
be in good standing with the California Secretary of State and/or California
Franchise Tax Board.  BRAVO is not currently conducting business.  BRAVO is
qualified as a foreign corporation and is in good standing in each jurisdiction
where the ownership, lease, or operation of property or the conduct of its
business requires such qualification except where the failure to be in good
standing or so qualified would not have a material, adverse effect on the
financial condition and business of BRAVO.

     4.2  Ownership of EMB ASSETS.  (a) AMRES is authorized to issue two classes
          -----------------------
of stock, of up to Five Thousand (5,000) shares of common stock, no par value
per share, and of up to Twenty Thousand (20,000) shares of 5% convertible
preferred stock, no par value per share. At the date hereof, of such authorized
shares, Four Thousand Thirty-Eight (4,038) shares of common stock and Twelve
Thousand (12,000) of 5% convertible preferred stock have been validly issued and
are outstanding, fully paid, and non-assessable. There are no options, warrants,
or other securities exercisable or convertible into or any calls, commitments,
or agreements of any kind relating to any unissued equity securities of AMRES.
(b) BRAVO is authorized to issue one class of stock, of up to One Hundred
Thousand (100,000) shares of common stock, no par value per share. At the date
hereof, of such authorized shares, Ten Thousand (10,000) shares of common stock
have been validly issued and are outstanding, fully paid, and non-assessable,
all of which are owned of record and beneficially by EMB. There are no options,
warrants, or other securities exercisable or convertible into or any calls,
commitments, or agreements of any kind relating to any unissued equity
securities of BRAVO.

     4.3  Validity.  EMB has the requisite power to execute and deliver and to
          --------
carry out the terms of this Agreement.  Assuming this Agreement has been
approved by all actions necessary on the part of E-NET, this Agreement is a
valid and binding agreement of EMB.

     4.4  Conduct and Transactions of EMB.  During its current fiscal year, EMB
          -------------------------------
conducted the operations of the subsidiaries constituting the EMB Assets in the
ordinary course of business, consistent with past practice and used its best
efforts to maintain and preserve its properties, key employees, and
relationships with customers and suppliers.  Without limiting the foregoing,
during such period EMB did not with respect to each subsidiary constituting the
EMB Assets, i.e., AMRES
<PAGE>

and BRAVO:

          (a)  Incur any liabilities except to maintain its facilities and
     assets in the ordinary course of its business;

          (b)  Declare or pay any dividends on any shares of capital stock or
     make any other distribution of assets to the holders thereof;

          (c)  Issue, reissue, or sell, or issue options or rights to subscribe
     to, or enter into any contract or commitment to issue, reissue, or sell,
     any shares of capital stock or acquire or agree to acquire any shares of
     capital stock;

          (d)  Amend its Articles of Incorporation or Bylaws or merge or
     consolidate with or into any other corporation or sell all or substantially
     all of its assets or change in any manner the rights of its capital stock
     or other securities ;

          (e)  Pay or incur any obligation or liability, direct or contingent,
     except in the ordinary course of its business;

          (f)  Incur any indebtedness for borrowed money, assume, guarantee,
     endorse, or otherwise become responsible for obligations of any other
     party, or make loans or advances to any other party except in the ordinary
     course of its business;

          (g)  Increase in any manner the compensation, direct or indirect, of
     any of its officers or executive employees, except as otherwise disclosed
     in Exhibit 4.4(g), hereto; or

          (h) Make any capital expenditures except in the ordinary course of its
     business.

     4.5  Compensation Due Employees.  (a)  AMRES will not have any outstanding
          --------------------------
liability for payment of wages, payroll taxes, vacation pay (whether accrued or
otherwise), salaries, bonuses, pensions, contributions under any employee
benefit plans or other compensation, current or deferred, under any labor or
employment contracts, whether oral or written, based upon or accruing in respect
of those services of employees of AMRES that have been performed prior to the
Closing Date, except as specified on Exhibit 4.6 hereto.  On the Closing Date,
AMRES will not have any unfunded, contingent, or other liability under any
defined benefits plan or any other retirement or retirement-type plan, whether
such plan(s) are to continue or are thereupon terminated, except for the normal
on-going obligations for future contributions under such plan(s) not related,
generally or specifically, to the termination of such plan(s) or except as
specified on Exhibit 4.5 hereto.  (b) BRAVO will not have any outstanding
liability for payment of wages, payroll taxes, vacation pay (whether accrued or
otherwise), salaries, bonuses, pensions, contributions under any employee
benefit plans or other compensation, current or deferred, under any labor or
employment contracts, whether oral or written, based upon or accruing in respect
of those services of employees of BRAVO that have been performed prior to the
Closing Date, except as specified on Exhibit 4.6 hereto.  On the Closing Date,
BRAVO will not have any unfunded, contingent or other liability under any
defined benefits plan or any other retirement or
<PAGE>

retirement-type plan, whether such plan(s) are to continue or are thereupon
terminated, except for the normal on-going obligations for future contributions
under such plan(s) not related, generally or specifically, to the termination of
such plan(s) or except as specified on Exhibit 4.5 hereto

     4.6  Union Agreements and Employment Agreements.  AMRES and BRAVO are not a
          ------------------------------------------
party to any union agreement or any organized labor dispute.  AMRES and BRAVO do
not have any written or verbal employment agreements with any of their
respective employees, except as listed in Exhibit 4.6 hereto.

     4.7  Contracts and Leases.  Except as listed in Exhibit 4.7 hereto, AMRES
          --------------------
and BRAVO are not a party to any written or oral leases, commitments, or any
other agreements. On the Closing Date, AMRES and BRAVO shall have paid or
performed in all material respects all obligations required to be paid or
performed by them to such date and will not be in default under any document,
contract, agreement, lease, or other commitment to which any of them is a party.

     4.8  Insurance.  All insurance against losses or damages or other risks
          ---------
which are in force for the benefit of AMRES and/or BRAVO are set forth in
Exhibit 4.8 hereto.

     4.9  Liabilities.  AMRES and BRAVO do not have any liabilities, except as
          -----------
listed in Exhibit 4.9 hereto.

     4.10 Proprietary Rights.  AMRE0S and BRAVO own or are duly licensed to use
          ------------------
such trademarks and copyrights as are necessary to conduct their respective
businesses as presently conducted.  The conduct of business by AMRES and BRAVO
do not, to the best knowledge of EMB, infringe upon the trademarks or copyrights
of any third party.

     4.11 Internal Controls.
          -----------------

          (a)  There have been no transactions except in accordance with
     management's general or specific authorization.

          (b)  AMRES and BRAVO have devised and maintained respective systems of
     internal accounting controls sufficient to provide reasonable assurances
     that transactions are recorded as necessary (i) to permit preparation of
     financial statements in conformity with generally accepted accounting
     principles and (ii) to maintain accountability for assets and expenses.

     4.12 Contracts and Agreements.  Neither AMRES nor BRAVO is a party to any
          ------------------------
material contracts or agreements in respect of the operation of their respective
businesses, except as listed in Exhibit 4.12 hereto.

     4.13  Minute Books.  The minute books of AMRES and BRAVO contain true,
           ------------
complete, and accurate records of all meetings and other corporate actions of
their respective shareholders and Boards of Directors, and true and accurate
copies thereof have been delivered to counsel for E-NET prior to the Closing
Date.  The signatures appearing on all documents contained therein are the true
<PAGE>

signatures of the persons purporting to have signed the same.

     4.14 Litigation.  Except as set forth in Exhibit 4.14, there are no
          ----------
actions, suits, proceedings, orders, investigations, or claims (whether or not
purportedly on behalf of AMRES or BRAVO) pending against or affecting AMRES or
BRAVO at law or in equity or before or by any federal, state, municipal, or
other governmental department, commission, board, agency, or instrumentality,
domestic or foreign, nor has any such action, suit, proceeding, or investigation
been pending or threatened in writing during the 12-month period preceding the
date hereof, which, if adversely determined, would materially and adversely
affect the financial condition of AMRES or BRAVO or which seeks to prohibit,
restrict, or delay the consummation of the stock sale contemplated hereby.
Neither AMRES nor BRAVO is operating under or subject to, or in default with
respect to, any order, writ, injunction, or decree of any court or federal,
state, municipal, or other governmental department, commission, board, agency,
or instrumentality.

     4.15 Taxes.  At the Closing Date, all tax returns required to be filed
          -----
with respect to the operations or assets of AMRES and BRAVO prior to Closing
Date shall have been correctly prepared in all material respects and timely
filed, and all taxes required to be paid in respect of the periods covered by
such returns shall have been paid in full or adequate reserves have been
established for the payment of such taxes. Except as set forth in Exhibit 4.15,
as of the Closing Date, neither AMRES nor BRAVO shall have requested any
extension of time within which to file any tax returns, and all known
deficiencies for any tax, assessment, or governmental charge or duty shall have
been paid in full or adequate reserves have been established for the payment of
such taxes. The AMRES and BRAVO Tax Returns are true and complete in all
material respects. No audits by federal or state authorities are currently
pending or threatened.

     4.16 No Defaults.  Neither AMRES nor BRAVO is in default under or in
          -----------
violation of any provision of their respective Articles of Incorporation or
Bylaws.  Neither AMRES nor BRAVO is in default under or in violation of any
material provision of any material indenture, mortgage, deed of trust, lease,
loan agreement, or other agreement or instrument to which any of them is a party
or by which any of them is bound, or to which any of their respective properties
is subject, if such default would have a material, adverse effect on the
financial condition or business of AMRES or BRAVO.  Neither AMRES nor BRAVO is
in violation of any statute, law, ordinance, order, judgment, rule, regulation,
permit, franchise, or other approval or authorization of any court or
governmental agency or body having jurisdiction over them or any of their
respective property which, if enforced, would have a material, adverse effect on
the financial condition or business of AMRES or BRAVO.  Neither the execution
and delivery of this Agreement, nor the consummation of the transactions
contemplated herein, will conflict with or result in a breach of or constitute a
default under any of the foregoing or result in the creation of any lien,
mortgage, pledge, charge, or encumbrance upon any asset of AMRES or BRAVO and no
consents or waivers thereunder are required to be obtained in connection
therewith in order to consummate the transactions contemplated by this
Agreement, except for the agreements so indicated on Exhibit 4.16.

     4.17 Material Change.  Except as disclosed on Exhibit 4.17, there has been
          ---------------
no material change in the condition, financial or otherwise, of AMRES or BRAVO
as shown in the AMRES or BRAVO Tax Returns, except changes occurring in the
ordinary course of business, which changes have not
<PAGE>

materially, adversely affected their respective organizations, businesses,
properties, or financial condition.

     4.18  Documents.  The copies of all agreements and other instruments that
           ---------
have been delivered by EMB to E-NET are true, correct, and complete copies of
such agreements and instruments and include all amendments thereto.

     4.19  Disclosure.  The representations and warranties made by EMB herein
           ----------
and in any schedule, statement, certificate, or document furnished or to be
furnished by AMRES, BRAVO and/or EMB to E-NET pursuant to the provisions hereof
or in connection with the transactions contemplated hereby taken as a whole do
not and will not as of their respective dates contain any untrue statements of a
material fact, or omit to state a material fact necessary to make the statements
made not misleading.

                                   SECTION 5

                         INVESTIGATION; PRESS RELEASE
                         ----------------------------

     5.1   Investigation.  (a)  E-NET acknowledges that it has made an
           -------------
investigation of the EMB Assets during the period from on or about October 1,
1998, through the Closing Date, to confirm, among other things, the assets,
liabilities, and status of business of the EMB Assets and the cash position,
accounts receivable, liabilities, and mortgages in process. In the event of
termination of this Agreement, E-NET will deliver to EMB all documents, work
papers, and other materials and all copies thereof obtained by E-NET, or on its
behalf, from AMRES, BRAVO or EMB, whether obtained before or after the execution
hereof, will not use, directly or indirectly, any confidential information
obtained from AMRES, BRAVO or EMB hereunder or in connection herewith, and will
keep all such information confidential and not used in any way detrimental to
AMRES, BRAVO or EMB except to the extent the same is publicly disclosed by
AMRES, BRAVO or EMB.

           (b)  EMB acknowledges that he has made an investigation of E-NET
during the period from on or about April 30, 1999, through the Closing Date,
which has included, among other things, the opportunity of discussions with
executive officers of E-NET, and its accountants, investment bankers, and
counsel. In the event of termination of this Agreement, EMB will deliver to E-
NET all documents, work papers, and other materials and all copies thereof
obtained by it, or on its behalf, from E-NET, whether obtained before or after
the execution hereof and will not use, directly or indirectly, any confidential
information obtained from E-NET hereunder or in connection herewith, and will
keep all such information confidential and not used in any way detrimental to E-
NET, except to the extent the same is publicly disclosed by E-NET.

           (c)  Except in the event that any party hereto discovers in the
course of his or its respective investigation any breach of a representation or
warranty by the other party hereto and does not disclose it to such other party
prior to the Closing Date, no investigation pursuant to this Section 5.1 shall
affect or be deemed to modify any representation or warranty made by any party
hereto.
<PAGE>

     5.2  Press Release.  E-NET and EMB shall agree with each other as to the
          -------------
form and substance of any press releases and the filing of any documents with
any federal or state agency related to this Agreement and the transactions
contemplated hereby and shall consult with each other as to the form and
substance of other public disclosures related thereto; provided, however, that
nothing contained herein shall prohibit either party from making any disclosure
that her or its counsel deems necessary.

                                   SECTION 6

                                   BROKERAGE
                                   ---------

     6.1  Brokers and Finders.  Except as set forth in Exhibit 6.1, neither E-
          -------------------
NET nor EMB, or any of their respective officers, directors, employees, or
agents, has employed any broker, finder, or financial advisor or incurred any
liability for any fee or commissions in connection with initiating the
transactions contemplated herein. Each party hereto agrees to indemnify and hold
the other party harmless against or in respect of any commissions, finder's
fees, or brokerage fees incurred or alleged to have been incurred with respect
to initiating the transactions contemplated herein as a result of any action of
the indemnifying party.

                                   SECTION 7

                      CLOSING AGREEMENTS AND POST-CLOSING
                      -----------------------------------

     7.1  Closing Agreements.  On the Closing Date, the following activities
          ------------------
shall occur, the following agreements shall be executed and delivered, and the
respective parties thereto shall have performed all acts that are required by
the terms of such activities and agreements to have been performed
simultaneously with the execution and delivery thereof as of the Closing Date:

          (a)  EMB shall have executed and delivered documents to E-NET
     sufficient then and there to transfer record and beneficial ownership of
     the shares of common stock of AMRES and BRAVO to E-NET;

          (b)  EMB shall assign to E-NET all of its rights in the Letter of
     Intent dated June 9, 1999 by and between EMB and TITUS;

          (c)  E-NET shall have delivered Seven Million Five Hundred Thousand
     (7,500,000) shares of E-NET common stock, which shares will be included in
     the Registration Statement, as set forth in Section 3.9, below;

          (d)  E-NET shall have delivered to EMB (i) cash in the amount of
     $1,595,000, in good funds, and (ii) the promissory note of E-NET in the
     amount of $2,405,000, with interest on said note accruing at the rate of
     ten percent (10%) per annum, with principal and interest all being due and
     payable, in full, 90 days from date hereof
<PAGE>

                                 SECTION 8

             CONDITIONS PRECEDENT TO E-NET'S OBLIGATIONS TO CLOSE
             ----------------------------------------------------

     The obligations of E-NET to consummate this Agreement are subject to
satisfaction on or prior to the Closing Date of the following conditions:

     8.1  Representations and Warranties.  The representations and warranties of
          ------------------------------
EMB contained in this Agreement shall be true and correct in all material
respects on and as of the Closing Date, and EMB shall have performed in all
material respects all of its obligations hereunder theretofore to be performed.

     8.2  Other.  The joint conditions precedent in Section 10 hereof shall
          -----
have been satisfied and all documents required for Closing shall be acceptable
to Counsel for E-NET.

                                   SECTION 9

                 CONDITIONS PRECEDENT TO EMB'S OBLIGATIONS TO CLOSE
                 --------------------------------------------------

     The obligation of EMB to consummate this Agreement is subject to the
satisfaction on or prior to the Closing Date of the following conditions:

     9.1  Representations and Warranties.  The representations and warranties of
          ------------------------------
E-NET contained in this Agreement shall be true and correct in all material
respects on and as of the Closing Date, and E-NET shall have performed in all
material respects all of its obligations hereunder theretofore to be performed.

     9.2  Other.  The joint conditions precedent in Section 10 hereof shall have
          -----
been satisfied.

                                  SECTION 10

                          JOINT CONDITIONS PRECEDENT
                          --------------------------

     The obligations of E-NET and EMB to consummate this Agreement shall be
subject to satisfaction or waiver in writing by all parties of each and all of
the following additional conditions precedent at or prior to the Closing Date:

     10.1  Other Agreements.  All of the agreements contemplated by Section 7.1
           ----------------
of this Agreement shall have been executed and delivered, and all acts required
to be performed thereunder as of the Closing Date shall have been duly
performed, including, without limitation, completion of all exhibits to this
Agreement.
<PAGE>

     10.2  Absence of Litigation.  At the Closing Date, there shall be no
           ---------------------
action, suit, or proceeding pending or threatened against any of the parties
hereto by any person, governmental agency, or subdivision thereof, nor shall
there be pending or threatened any action in any court or administrative
tribunal, which would have the effect of inhibiting the consummation of the
transactions contemplated herein.

                                  SECTION 11

                                CONFIDENTIALITY
                                ---------------

     11.1  E-NET acknowledges that its principals have, and will, acquire
information and materials from EMB and its subsidiaries (the "Companies") and
knowledge about the technology, business, products, strategies, customers,
clients and suppliers of the Companies and that all such information, materials
and knowledge acquired, are and will be trade secrets and confidential and
proprietary information of the Companies (collectively, such acquired
information, materials, and knowledge are hereinafter referred to as
"Confidential Information").  E-NET, itself, and behalf of its principals,
covenant to hold such Confidential Information in strict confidence, not to
disclose it to others or use it in any way, commercially or otherwise, except in
connection with the transactions contemplated by this Agreement and not to allow
any unauthorized person access to such Confidential Information.

     11.2  The Confidential Information disclosed by the Companies to E-NET
shall remain the property of the disclosing party.

     11.3  E-NET, and principals, shall maintain in secrecy all Confidential
Information disclosed to him by any or all of the Companies using not less than
reasonable care. E-NET, and its principals shall not use or disclose in any
manner to any third party any Confidential Information without the express
written consent of the chief executive officer of EMB unless or until the
Confidential Information is:

           (a) publicly available or otherwise in the public domain; or

           (b) rightfully obtained by any third party without restriction; or

           (c) disclosed by any of the Companies without restriction pursuant to
     judicial action, or government regulations or other requirements.

     11.4  The obligations of E-NET under Sections 11.1, 11.2, and 11.3 of this
Agreement shall expire one year from the date hereof as to Confidential
Information consisting of commercial and financial information and two years
from the date on which E-NET, are its principals, are no longer affiliated with
any of the Companies, except as a shareholder thereof, as to Confidential
Information consisting of technical information.  For this purpose, technical
information shall include without limitation all developments, inventions,
innovations, designs, discoveries, trade secrets and know-how,
<PAGE>

whether or not patentable or copyrightable.

     11.5  E-NET, itself and on behalf of its principals, hereby agrees that
they will not intentionally bring into the premises of either or both of the
Companies, or use in any way for the benefit of either or both of the companies,
any confidential information that E-NET has reason to believe is or may be the
trade secret or confidential information of a third party.

                                  SECTION 12

                            TERMINATION AND WAIVER
                            ----------------------

     12.1  Termination.  This Agreement may be terminated and abandoned on the
           -----------
Closing Date by:

           (a) the mutual consent in writing of the parties hereto;

           (b) E-NET, if the conditions precedent in Sections 8 and 10 of this
     Agreement have not been satisfied or waived by the Closing Date; and

           (c) EMB, if the conditions precedent in Sections 9 and 10 of this
     Agreement have not been satisfied or waived by the Closing Date.

           If this Agreement is terminated pursuant to Section 12.1, the parties
hereto shall not have any further obligations under this Agreement, and each
party shall bear all costs and expenses incurred by her or it.

                                  SECTION 13

                 NATURE AND SURVIVAL OF REPRESENTATIONS, ETC.
                 --------------------------------------------

     13.1  Nature and Survival.  All statements contained in any certificate or
           -------------------
other instrument delivered by or on behalf of E-NET or EMB pursuant to this
Agreement or in connection with the transactions contemplated hereby shall be
deemed representations and warranties by such party.  All representations and
warranties and agreements made by E-NET or EMB in this Agreement or pursuant
hereto shall survive the Closing Date hereunder until the expiration of the 12th
month following the Closing Date.

     13.2  Rescission.   The parties hereto agree that they are relying on the
           ----------
representations and projections contained in this Agreement, in the EMB Business
Plan as it pertains to the EMB Assets and in other documents regarding the
future of the EMB Assets which have been disclosed to E-NET. In the event that
any such representations, projections or material facts about the EMB Assets are
found to be untrue, or otherwise materially affect the business prospects of E-
NET and/or the value of the securities issued by E-NET, E-NET upon a vote of a
majority of the shareholders of E-NET (as
<PAGE>

determined as of the date immediately prior to the execution of this Agreement)
may immediately rescind this Agreement, with written notice to EMB, and return
to EMB all of the EMB Assets, and any liabilities associated with the EMB Assets
which have been assumed by E-NET, as if the transaction contemplated hereby had
never taken place. In addition, the parties hereto may mutually agree to rescind
this agreement by executing a writing to that effect, which shall operate in the
same manner as if E-NET had given unilateral written as provided for in this
paragraph.

     No decision of any court or other governmental or regulatory agency shall
be necessary to effectuate the rescission. A notice of rescission to EMB shall
not entitle EMB or its shareholders to obtain any damages, fees or other costs
from E-NET or its shareholders as a result of the rescission and EMB shall only
be entitled to those assets, the EMB Assets, which were in existence as of the
date immediately preceding the effective date of this Agreement.

                                  SECTION 14

                                 MISCELLANEOUS
                                 -------------

     14.1  Notices.   Any notices or other communications required or permitted
           -------
hereunder shall be sufficiently given if written and delivered in person or sent
by registered mail, postage prepaid, addressed as follows:

           to EMB:               EMB Corporation
                                 Attention:  Chief Executive Officer
                                 ---------
                                 3200 Bristol, Eighth Floor
                                 Costa Mesa, California 92626

           copy to:              Bryan Cave LLP
                                 Attention:  Randolf W. Katz, Esq.
                                 ---------
                                 18881 Von Karman, Suite 1500
                                 Irvine, California 92612

           to E-NET:             e-Net Financial.Com Corporation
                                 Attention: Chief Executive Officer
                                 ---------
                                 3200 Bristol Street, Suite 700
                                 Costa Mesa, California 92626

or such other address as shall be furnished in writing by the appropriate
person, and any such notice or communication shall be deemed to have been given
as of the date so mailed.

     14.2  Time of the Essence.  Time shall be of the essence of this Agreement.
           -------------------

     14.3  Costs.  Each party will bear the costs and expenses incurred by it in
           -----
connection with this Agreement and the transactions contemplated hereby.
<PAGE>

     14.4  Entire Agreement and Amendment.  This Agreement and documents
           ------------------------------
delivered at the Closing Date hereunder contain the entire agreement between the
parties hereto with respect to the transactions contemplated by this Agreement
and supersedes all other agreements, written or oral, with respect thereto. This
Agreement may be amended or modified in whole or in part, and any rights
hereunder may be waived, only by an agreement in writing, duly and validly
executed in the same manner as this Agreement or by the party against whom the
waiver would be asserted. The waiver of any right hereunder shall be effective
only with respect to the matter specifically waived and shall not act as a
continuing waiver unless it so states by its terms.

     14.5  Counterparts.  This Agreement may be executed in one or more
           ------------
counterparts each of which shall be deemed to constitute an original and shall
become effective when one or more counterparts have been signed by each party
hereto and delivered to the other party.

     14.6  Governing Law.  This Agreement shall be governed by, and construed
           -------------
and interpreted in accordance with, the laws of the State of California.

     14.7  Attorneys' Fees and Costs.  In the event any party to this Agreement
           -------------------------
shall be required to initiate legal proceedings to enforce performance of any
term or condition of this Agreement, including, but not limited to, the
interpretation of any term or provision hereof, the payment of monies or the
enjoining of any action prohibited hereunder, the prevailing party shall be
entitled to recover such sums, in addition to any other damages or compensation
received, as will reimburse the prevailing party for reasonable attorneys' fees
and court costs incurred on account thereof (including, without limitation, the
costs of any appeal) notwithstanding the nature of the claim or cause of action
asserted by the prevailing party.

     14.8  Successors and Assigns.  This Agreement shall inure to the benefit of
           ----------------------
and be binding upon the parties hereto and their respective heirs, executors,
personal representatives, successors, and assigns, as the case may be.

     14.9  Access to Counsel.  Each party hereto acknowledges that each has had
           -----------------
access to legal counsel of her or its own choice and has obtained such advice
therefrom, if any, as such party has deemed necessary and sufficient prior to
the execution hereof.  Each party hereto acknowledges that the drafting of this
Agreement has been a joint effort and any ambiguities or interpretative issues
that may arise from and after the execution hereof shall not be decided in favor
or, or against, any party hereto because the language reflecting any such
ambiguities or issues may have been drafted by any specific party or her or its
counsel.

     14.10 Captions.  The captions appearing in this Agreement are inserted for
           --------
convenience of reference only and shall not affect the interpretation of this
Agreement.
<PAGE>

     IN WITNESS WHEREOF, the parties hereto have executed this Amended and
Restated Purchase Agreement as of the day and year first above written.

EMB CORPORATION,
a Hawaii corporation

by:  /s/ James E. Shipley
     --------------------------------
     James E. Shipley, President

e-NET FINANCIAL.COM CORPORATION
a Nevada corporation

by:  /s/ Michael P. Roth
     --------------------------------
     Michael P. Roth, PresidentEXHIBIT 10.33

                    INTERNET DIAL-UP RESALE AGREEMENT

THIS AGREEMENT dated as of this 22nd day of December, 1999 by and between
NetVoice Corporation, a Nevada corporation, located at 13747 Montfort
Drive, Suite 250, Dallas, Texas 75240 (hereinafter referred to as
"NetVoice") and Z-Tel Communications Inc. (hereinafter referred to as
"Reseller"), a Delaware corporation located at 601 S. Harbour Island Blvd.
Suite 220, Tampa, Florida 33602.

                               WITNESSETH
                               ----------

WHEREAS, NetVoice is a provider of Internet services and NetVoice maintains
an Internet network (the "NetVoice Network"); and

WHEREAS, Reseller is a provider of Internet Services, and is desirous of
branding under its own name and reselling NetVoice's Internet services to
Reseller's independent distributors and other customers ("Reseller's
Customers" or "Customers") according to the terms set forth herein; and

WHEREAS, the parties have agreed to cooperate with each other under the
terms and conditions contained herein for the parties' mutual benefit.

NOW, THEREFORE, in consideration of the mutual covenants and conditions
herein contained, the parties hereto do hereby agree as follows:

1.   NETVOICE'S OBLIGATIONS
     ----------------------

     1.1  NetVoice agrees to provide the Internet Services described in
Exhibit A attached hereto and incorporated herein by reference ("Internet
Service") to Reseller's Customers of a quality equal to or exceeding that
which is provided by NetVoice to its other Internet customers and
consistent with the standards set forth in Exhibit C attached hereto.  The
Internet Services will be provided under Reseller's brand.

     1.2  NetVoice shall create a new account for each of Reseller's
Customers for whom a request for service is submitted to NetVoice by
Reseller, and shall set up such account according to the provisions
provided by Reseller.

     1.3  NetVoice shall provide to Reseller its first shipment and all
subsequent shipments of necessary start-up materials (the "Starter Kit")
within ten business days following NetVoice's receipt of an order from
Reseller.  The Starter Kit shall include the set-up software applications
on a CD ROM.  Reseller must provide NetVoice with any customized
information to be contained within the Starter Kit prior to dissemination
for NetVoice's prior written approval, which approval shall not
unreasonably be withheld.  If NetVoice does not object to the customized
information in writing within two business days after receipt, approval
will be deemed given.

     1.4  Reseller shall retrieve any defective Starter Kit from Reseller's
Customer and promptly return such Kit to NetVoice.  Upon receipt of a
returned defective Kit, NetVoice will deliver a new Kit to Reseller no
later than 10 business days after receipt of this list.  Reseller will be
responsible for delivering the new Kit to Reseller's Customer.  Reseller
acknowledges that the Starter Kit may contain proprietary software from
NetVoice, third parties and Reseller.  NetVoice hereby grants Reseller and
its Customers a non-exclusive right and license to use NetVoice proprietary
software products and

INTERNET DIAL-UP RESALE AGREEMENT - Page 1 of 11
<PAGE>
third-party products provided on the Starter Kit.  All proprietary software
is protected under applicable intellectual property laws.  Reseller agrees
that copies of the Starter Kit will only be obtained directly from Net
Voice.  Reseller agrees not to reproduce the Starter Kit independently from
NetVoice.

     1.5  NetVoice shall provide each of Reseller's Customers with a
standard account consisting of unlimited Internet access, an e-mail address
for each account and provide such Customers with 10 megabytes of storage
space for personal Web Hosting (the "Standard Account").

     1.6  Reseller shall electronically transmit to NetVoice cancellations
of Customer's accounts for the Internet Services.  Within ninety-six (96)
hours of receiving written notice from Reseller, NetVoice shall terminate
the rights of such Reseller's Customer to access the Internet Services.
Reseller shall indemnify and defend NetVoice from and against any and all
claims, liabilities or other damages resulting from the termination of any
Customer's service done at the direction of Reseller.

     1.7  NetVoice hereby reserves the right to review and approve, and
change if it reasonably deems appropriate, any forms, including order forms
to be used by Reseller in connection with the services provided hereunder
to assure consistency and compliance with current practices and procedures
of NetVoice; provided, however that any changes to such forms shall only be
made after consultation between the parties.

2.   RESELLER'S OBLIGATIONS
     ----------------------

     2.1  Reseller agrees to use its best efforts to market the Internet
Services under Reseller's name.  Reseller agrees to act in a good faith
manner and to not unlawfully or negligently misrepresent NetVoice or the
Internet Services.  Reseller is responsible for any and all expenses
incurred as Reseller sells the Internet Services, including but not limited
to, any calls and/or mailing that Reseller makes.

     2.2  Reseller shall provide NetVoice with all Customer startup
information that NetVoice requires to provision a new Internet account on
a daily basis.

     2.3  Reseller will provide customer service to Reseller's Customers at
Reseller's own expense and at Reseller's own premises, or as otherwise
arranged by Reseller with Reseller's Customers unle4ss such service is
expressly to be provided by NetVoice under this Agreement.  Reseller's
Customer Service shall include, but not be limited to, all billing and
cancellation issues that may arise with regard to Reseller's Customers.

     2.4  NetVoice is not responsible for the installation, operation or
maintenance of any of Reseller's Customers' computer equip
ent nor any computer equipment owned or used by Reseller.

     2.5  Each party agrees not to knowingly solicit the business of any
current customers or accounts of the other party that are active during the
term of this Agreement and after its termination for a period of one (1) year.

INTERNET DIAL-UP RESALE AGREEMENT - Page 2 of 11
<PAGE>
     2.6  Reseller warrants and represents that it has and covenants to
maintain all authority and governmental licenses and approvals necessary to
lawfully perform its obligations under this Agreement.

3.   PAYMENT FOR SERVICES
     --------------------

     3.1  Reseller shall establish and maintain a deposit with NetVoice
equal to $10,190, which may be increased from time to time in accordance
with Paragraph 3.4 (the "Deposit").

     3.2  Reseller shall pay for the Internet Service at rates determined
from the schedule on Exhibit A attached hereto and incorporated herein by
reference.  Within 6 months of the date service is commenced (the "Ramp
Period"), Reseller will provide services to the minimum number of accounts
as set forth in Exhibit A.  In each full calendar month thereafter,
Reseller shall pay to Provider an amount equal to the lesser of (a) the
charges determined from Exhibit A based on the actual number of accounts or
(b) the charges determined from Exhibit A that would be incurred if
Customer had the minimum number of accounts as set forth in Exhibit A.

     3.3  Reseller shall prepay on the first day of each month for the
Internet Services each month an amount equal to the product obtained by
multiplying the number of monthly accounts that are active on that date,
which after the Ramp Period will be not less than the minimum set forth in
Exhibit A, times and applicable price per account.

     3.4  At the end of each month NetVoice shall render an invoice for
NetVoice's Internet Services that were rendered that month, or after the
Ramp Period, the greater of the minimum set for the Exhibit A or the actual
number of accounts on line.  NetVoice shall pay such invoice from the
prepayment and Deposit.  If the invoice amount exceeds the prepayment and
Deposit, Reseller will pay such excess within fifteen (15) days of receipt
of the invoice, and the amount of the Deposit will be increased by an
amount equal to such excess.  If any part of the Deposit is used to pay the
invoice, Reseller will pay NetVoice an amount to re-establish the Deposit
within fifteen (15) days of receipt of the invoice.  If the invoice is less
than the prepayment, the excess will be added to the Deposit.

4.   TERM OF THE AGREEMENT
     ---------------------

     4.1  The initial term of this Agreement is two years.  This Agreement
shall automatically renew for successive one year terms following the
initial term, until terminated at the end of any term by either party upon
30 days prior written notice to the other or as otherwise set forth in this
Agreement.

     4.2  Either party shall have the right to terminate this Agreement
prior to the expiration of the Initial Term or any renewal term:

          4.2.1     If either party provides the other with written notice
     of termination at least ninety days (90) prior to the date of
     termination.

          4.2.2     Upon a material breach of this Agreement by the other
     party, including, but not limited to, NetVoice's failure to meet the
     service standards set forth in Exhibit C, which breach remains uncured
     for thirty (30) calendar days

INTERNET DIAL-UP RESALE AGREEMENT - Page 3 of 11
<PAGE>
     following receipt by the breaching party of written notice of such
     breach from the non-breaching party;

          4.2.3     If the other party voluntarily files a bankruptcy
     petition; or if such party makes an assignment for the benefit of
     creditors; or if such party consents to or acquiesces in the
     appointment of a trustee, receiver, or liquidator of it or of all or
     any substantial part of its assets and properties; or if such party
     takes or suffers similar action in consequence of indebtedness;

          4.2.4     If a petition in bankruptcy is filed against the other
     party and is not dismissed within 60 days of being filed or, without
     the party's consent or acquiescence, a trustee, receiver or liquidator
     of it or of all or any substantial part of its assets and properties
     is appointed and such appointment is not vacated within thirty (30)
     days thereafter;

          4.2.5     Upon a determination by any governmental authority with
     jurisdiction over the parties that the provision of the service sunder
     this Agreement is contrary to existing laws, rules or regulations;

          4.2.6     If Reseller or any of Reseller's Customers materially
     violate applicable tariffs, laws, or regulations or use the NetVoice
     Network in violation of the terms of the Agreement; or

          4.2.7     If Reseller lacks the requisite authority to resell the
     Internet Services hereunder.

     4.3  NetVoice shall have the right to terminate this Agreement upon
the passage or adoption of any law, rule or regulation that in the
reasonable judgment of NetVoice will make it materially more expensive or
difficult to provide the services under this Agreement, upon ninety (90)
days' prior written notice to Reseller of such determination by NetVoice.

     4.4  Upon the termination of this Agreement for any reason, NetVoice
will be entitled to immediately crease providing services to Reseller and
Reseller'' Customers, and all amounts due to NetVoice from Reseller will
become immediately due and payable.  If Reseller maintains a deposit with
NetVoice, NetVoice will return such deposit.

5.   TRADEMARKS AND INTELLECTUAL PROPERTY
     ------------------------------------

     5.1  Neither party shall use the name, trademarks, trade names, nor
logos of the other party in connection with the operation of its business
except as expressly provided for in this Agreement.  Neither party shall
use the other party's name, trademarks or logos in either its own corporate
name or any fictitious name.

     5.2  Title to and ownership of all copies of any products or
documentation developed by or for NetVoice, or owned by NetVoice, whether
in machine-readable or printed form, and including, without limitation, any
derivative works, compilations, or collective works thereof and all related
technical know-how and all rights therein (including without limitation
rights in patents, copyrights, trademarks, service marks, trade secrets and
other and other intellectual property rights applicable thereto), are an
shall remain the exclusive property of NetVoice.  Reseller shall not take
any action to

INTERNET DIAL-UP RESALE AGREEMENT - Page 4 of 11
<PAGE>
jeopardize, limit or interfere in any manner with NetVoice's ownership of
and rights with respect to the NetVoice products and documentation granted
to it pursuant to this Agreement.  Title to and ownership of all copies of
any products or documentation developed by or for Reseller, or owned by
Reseller, whether in machine-readable or printed form, and including,
without limitation, any derivative works, compilations, or collective works
thereof and all related technical know-how and all rights therein
(including without limitation rights in patents, copyrights, trademarks,
service marks, trade secrets and other and other intellectual property
rights applicable thereto), are and shall remain the exclusive property of
Reseller.  NetVoice shall not take any action to jeopardize, limit or
interfere in any manner with Reseller's ownership of and rights with
respect to the Reseller's products and documentation.

     5.3  Reseller agrees not to dissemble, decompile or reverse engineer
any of NetVoice's Internet software.

     5.4  Neither party shall take any action or intentionally omit to take
any action, that would jeopardize, limit or interfere in any manner with
the ownership of the other party in the other party's products or
documentation or intellectual property.

     5.5  Neither party nor its employees or agents shall knowingly remove
or alter the other party's trademark, trade name, copyright, or other
proprietary notices, legends, or symbols.

6.   WARRANTIES
     ----------

     6.1  NetVoice will make every reasonable effort to deliver the
Internet Services, 24 hours a day, seven days a week; however, NetVoice
cannot and does not warrant or guaranty such availability.  NetVoice's sole
liability to Reseller or to any third party for claimed error(s) or
omissions(s) by NetVoice in the delivery or failure to deliver any Internet
Service shall be to restore services and/or to correct said error(s) or
omission(s) as soon as is practicable following notice thereof by Reseller
to NetVoice, unless such error(s) or omission(s) are due to the negligence
or intentional misconduct of NetVoice, its agents or employees, in which
event NetVoice will be liable for the amount of damages caused by its, or
its agents' or employees', negligence or intentional misconduct.  In
addition, NetVoice will refund or excuse payment for a proportional amount
of the fees due from Reseller to NetVoice for such Internet Services, in
accordance with NetVoice's standard refund/credit policies, which may from
time-to-time change, upon thirty (30) days notice to Reseller.  Except as
aforesaid, NetVoice shall not under any circumstances be liable to Reseller
or to third parties for monetary damages.

     6.2  NetVoice warrants that the software provided hereunder is and
will be Year 2000 compliant, meaning that the software will function
correctly into and beyond the Year 2000, and accurately process date and
time data, and that it will neither contain nor create any logical or
mathematical inconsistency, will not malfunction, and will not cease to
function when processing date and time data.  NetVoice further warrants
that the Internet Services will conform, in all material respects, to the
specifications provided to Reseller.  NetVoice further represents and
warrants that it has the authority to enter into this Agreement and that
the execution and performance of this Agreement will not violate any
agreement to which it is bound and that it has no knowledge of any claim
that its products or services infringe any patent, copyright, trademark or
any other intellectual property of any third party.  UNLESS OTHERWISE
SPECIFIED HEREIN, ALL SERVICES PROVIDED BY NETVOICE ARE PROVIDED "AS IS."
NETVOICE MAKES

INTERNET DIAL-UP RESALE AGREEMENT - Page 5 of 11
<PAGE>
NO WARRANTY WHETHER EXPRESS, IMPLIED OR STATUTORY, AS TO THE DESCRIPTION,
QUALITY, MERCHANTABILITY, NON-INFRINGEMENT, COMPLETENESS OR FITNESS FOR ANY
PURPOSE IN CONNECTION WITH ITS NETWORK OR OF THE INTERNET SERVICE OR LOCAL
ACCESS OR AS TO ANY OTHER MATTER, ALL OF WHICH WARRANTIES BY NETVOICE ARE
HEREBY EXCLUDED AND DISCLAIMED.

     6.3  UNLESS OTHERWISE STATED HEREIN, IN NO EVENT SHALL EITHER PARTY BE
LIABLE TO THE OTHER OR ANY OF RESELLER'S CUSTOMERS OR ANY OTHER PERSON,
FIRM OR ENTITY IN ANY OTHER RESPECT, FOR DIRECT, INDIRECT, CONSEQUENTIAL,
SPECIAL, INCIDENTAL, ACTUAL, OR PUNITIVE DAMGES, OR FOR ANY LOST PROFITS OF
ANY KIND OR NATURE WHATSOEVER, EVEN IF FORESEEABLE, ARISING OUT OF ANY
MISTAKE, ACCIDENT, ERROR, OMISSION, INTERRUPTION, OR DEFECT IN
TRANSMISSION, OR DELAY ARISING OUT OF OR RELATING TO THE INTERNET SERVICES
OR THE OBLIGATIONS OF NETVOICE UNDER THIS AGREEMENT AND ANY EXHIBITS OR
SHCEDULES HERETO, INCLUDING, WITHOUT LIMITATION, (I) ANY FAILURE TO TIMELY
OR ACCURATELY PROVIDE OR INSTALL ANY PORTION OF THE INTERNET SERVICES, OR
(II) ADVERSE CONDITIONS THAT MAY RESULT FROM ACTIONS BY REGULATORY OR
JUDICAL AUTHORITIES.  EXCEPT FOR LOSS, DAMAGE OR EXPENSE ARISING FROM
ERRORS OR OMISSIONS CAUSED BY NETVOICE'S, OR ITS AGENTS' OR
REPRESENTATIVES' NEGLIGENCE OR INTENTIONAL MISCONDUCT, A BREACH OF WARRANTY
CONTAINED IN PARAGRAPH 6.2 HEREOF OR ANY ACT OR OMISSION THAT GIVES RISE TO
A DUTY TO INDEMNIFY RESELLER UNDER PARAGRAPH 7, NETVOICE'S ENTIRE LIABILITY
FOR ANY CLAIM OR LOSS, DAMAGE OR EXPENSE FROM ANY CAUSE WHATSOEVER SHALL IN
NO EVENT EXCEED THE MONIES ACTUALLY PAID TO NETVOICE UNDER THIS AGREEMENT
BY RESELLER FOR THE SPECIFIC SERVICES THAT GIVE RISE TO THE CLAIM.

7.   INDEMNIFICATION
     ---------------

Reseller agrees to indemnify and hold NetVoice and NetVoice's shareholders,
directors, officers, employees, agents and advisors, from and against any
and all claims, demands, actions, costs, liabilities, and losses arising
out of (i) any willful or negligent act or omission of Reseller; (ii) any
actual or alleged infringement involving material, data, information or
other content transmitted by Reseller's Customers and other acts or
omissions of Reseller's Customers; (iii) any material misstatements or
misrepresentations made by Reseller or its employees, or agents; (iv) any
sales, use or other taxes or duties, payable with respect to any product
sales made by Reseller in its business operations; (v) any fraudulent
and/or illegal dial-up Internet access of any nature which may comprise a
portion of the Internet Services provided hereunder, but only in the event
that the party claiming the fraudulent dial-up Internet access is (or had
been at the time of the incident) Reseller's Customer, provided to any of
Reseller's Customers who claims fraudulent and/or illegal dial-up Internet
access with respect to such Internet Services, as a result of such claim;
and (iv) any breach of this Agreement by Reseller.

INTERNET DIAL-UP RESALE AGREEMENT - Page 6 of 11
<PAGE>
     NetVoice agrees to indemnify and hold Reseller and Reseller's
shareholders, directors, officers, employees, agents and advisors harmless
from and against any and all claims, demands, actions, costs, liabilities
and losses arising out of (i) any willful or negligent act or omission of
NetVoice; (ii) any actual or alleged infringement by NetVoice or another's
patent, copyright, trademark or any other intellectual property of any
third party; (iii) any material misstatements or misrepresentations made by
NetVoice or its employees or agents; and (iv) any breach of this Agreement
by NetVoice.

8.   FORCE MAJEURE
     -------------

     The Parties' obligations under this Agreement are subject to, and
neither party shall be liable for, delays, failures to perform, damages,
losses or destruction, or malfunction of any equipment or any consequent
thereof caused or occasioned by, or due to fire, flood, water, the
elements, labor disputes, utility curtailments, power failures, explosions,
civil disturbances, governmental actions, shortages of equipment for
supplies, unavailability of transportation, acts or omissions of third
parties, or any other cause beyond the party's reasonable control.
Notwithstanding the occurrence of any of the foregoing, Reseller shall
remain liable for the payment of any outstanding invoices and for prior
services rendered hereunder by NetVoice.  Reseller shall not represent to
any person or entity that NetVoice is responsible for any such delay or
interruption of the Internet Services provided to Reseller's Customers.

9.   NO AGENCY
     ---------

     Neither party has the authority to bind the other by contract or
otherwise make any representations or guarantees on behalf of the other.
Each party acknowledges and agrees that the relationship arising from this
Agreement does not constitute an agency, joint venture, partnership,
employee relationship or franchise.  Reseller acknowledges and agrees that
it is an independent contractor.

10.  ASSIGNMENT
     ----------

     This Agreement is binding upon each party and its respective
affiliates, successors, and assigns.  Neither party may assign this
Agreement, except to its affiliates or its successors-in-interest without
the prior written consent of the other party, which consent will not
unreasonably be withheld.

11.  NO WAIVER
     ---------

     The failure of either party to enforce or insist upon compliance with
any of the provisions of the Agreement or the waiver thereof, in any
instance, shall not be construed as a general waiver or relinquishment of
any other provision of this Agreement.

12.  AMENDMENT
     ---------

     This Agreement may not be amended except by an instrument in writing,
executed by both parties.  No amendment shall be effected by the
acknowledgment or acceptance by either party of any purchaser order, sales
acknowledgment or other similar form from the other party.

INTERNET DIAL-UP RESALE AGREEMENT - Page 7 of 11
<PAGE>
13.  TITLES AND SUBTITLES
     --------------------

     The titles of the Articles and Sections of this Agreement are for
convenience of reference only and are not to be considered in construing
this Agreement.

14.  MERGER
     ------

     This Agreement (including its attached schedules and exhibits)
supersedes and merges all prior agreements, promises, understandings,
statements, representations, warranties, indemnities and covenants and all
inducements to the making of this Agreement relied upon by either party
herein, whether written or oral, and embodies the parties' complete and
entire agreement with respect to the subject matter hereof.  No statement
or agreement, oral or written, made before the execution of this Agreement
shall vary or modify the written terms hereof in any way whatsoever.

15.  INTERPRETATION
     --------------

     The words and phrases used herein shall have the meaning generally
understood in the telecommunications/Internet industry.  This Agreement
shall be construed in accordance with its fair meaning and not against the
drafting party.

16.  THIRD PARTY BENEFICIARIES
     -------------------------

     This Agreement has been made and is made solely for the benefit of
NetVoice and Reseller, and their respective successors and permitted
assigns.  Nothing in this Agreement is intended to confer any
rights/remedies under or by reason of this Agreement on any third party.

17.  SEVERABILITY
     ------------

     If any term or provision of this Agreement is determined to be
illegal, unenforceable, or invalid in whole or in part for any reason, such
illegal, unenforceable, or invalid provisions or part(s) thereof shall be
stricken from this Agreement and such provision shall not affect the
legality, enforceability, or validity of the remainder of this Agreement.

18.  REPRESENTATION OF AUTHORITY
     ---------------------------

     Each party represents and warrants that: (i) the person executing this
Agreement has the authority to bind the party on whose behalf he/she is
signing to the terms of this Agreement; (ii) the execution and delivery of
this Agreement and performance of such party's obligations hereunder have
been duly authorized; and (iii) the Agreement is a valid and legal
Agreement binding on such party and enforceable in accordance with its terms.

INTERNET DIAL-UP RESALE AGREEMENT - Page 8 of 11
<PAGE>
19.  CHOICE OF LAW
     -------------

     Any disputes that may arise under this Agreement shall be resolved in
accordance with the laws of the State of Texas without regard to choice of
laws, rules or principles.  Each party agrees that jurisdiction and venue
for any and all disputes under this Agreement will be proper in Dallas
County, Texas.

20.  NOTICES
     -------

     All notices required or permitted to be given hereunder shall be in
writing and shall be valid and sufficient if dispatched (i) by hand
delivery, (ii) by facsimile transceiver, with confirming letter mailed
promptly thereafter by first class mail, postage prepaid, (iii) by
reputable overnight express courier or (iv) by certified mail, postage
prepaid, return receipt requested, deposited in any post office in the
United States, in any case, addressed to the addresses set forth on the
first page of this Agreement, or such other addresses as may be provided
from time to time in the manner set forth above.  When sent by facsimile,
notices shall be considered to have been received at the beginning of
recipient's next business day following their confirmed transmission;
otherwise, notices shall be considered to have been received only upon
delivery or attempted delivery during normal business hours.

21.  SURVIVAL OF OBLIGATIONS
     -----------------------

     The parties' rights and obligations that, by their nature, would
continue beyond the termination, cancellation, or expiration of this
Agreement, shall survive such termination, cancellation or expiration.

22.  CONFIDENTALITY
     --------------

     22.1 Both parties agree to keep the terms of this Agreement
confidential, unless otherwise required by law.

     22.2 NetVoice acknowledges that the following materials and
information, and all copies thereof, constitute confidential information
belonging exclusively to Reseller ("Reseller's Confidential Information");
(i) lists of subscribers to Reseller's Internet Services (the
"Subscribers"), including without limitation information about their
occupation, credit card numbers, information, and preferences; (ii) the
results of market research performed or obtained by Reseller concerning any
or all Subscribers; (iii) information belonging to and/or concerning
Reseller that is not generally known by or disclosed to the public,
including without limitation information regarding Reseller's hardware,
software, personnel, finances, business plans, computer programs, code,
algorithms, expertise of employees and consultants, know-how, formulas,
processes, ideas, inventions (whether patentable or not), schematics and
other technical, business, financial and product development plans,
forecasts, strategies and other such information.  NetVoice hereby agrees
not to disclose or use, and to assure that its employees and agents not
disclose or use, any of Reseller's Confidential Information in connection
with any competitor or potential competitor of Reseller or any other
systems operator or person.  NetVoice further agrees not to use such
information in connection with any obligations that are now owed, or in the
future may be owed, by NetVoice to any other person or entity during the
term of this Agreement.

INTERNET DIAL-UP RESALE AGREEMENT - Page 9 of 11
<PAGE>
     22.3 Reseller acknowledges that the following materials and
information, and all copies thereof, constitute confidential information
belonging exclusively to NetVoice ("NetVoice's Confidential Information"),
(i) the results of market research performed or obtained by NetVoice
concerning any or all of its customers; (ii) information belonging to
and/or concerning NetVoice that is not generally known by or disclosed to
the public, including without limitation information regarding NetVoice's
hardware, software, personnel, finances, business plans, computer programs,
code, algorithms, expertise of employees and consultants, know-how,
formulas, processes, ideas, inventions (whether patentable or not),
schematics and other technical, business, financial and product development
plans, forecasts, strategies and other such information.  Reseller hereby
agrees not to disclose or use, and to assure that its employees and agents
not disclose or use, any of NetVoice's Confidential Information in
connection with any competitor or potential competitor of NetVoice or any
other systems operator or person.  Reseller further agrees not to use such
information in connection with any obligations that are now owed, or in the
future may be owed, by Reseller to any other person or entity during the
term of this Agreement.

     22.4 Each party acknowledges that Reseller's Confidential Information
and NetVoice's Confidential Information (collectively, the "Confidential
Information") is valuable, special and unique, that its unauthorized
disclosure or use will cause irreparable injury to the other party and that
immediate injunctive and/or other equitable relief that will be necessary
and appropriate to remedy an unauthorized disclosure or use of such
information, which may include without limitation a Temporary Restraining
Order as well as permanent injunctive relief.

     22.5 Neither party will cause or attempt to cause any employee or
agent of the other party to its subsidiaries or parent company, to
terminate his/her employment during the term of this Agreement and for a
period of 2 years following the expiration or earlier termination of this
Agreement.

     22.6 Upon the termination of this Agreement, each party agrees to
promptly return to THE OTHER PARTY, any and all Confidential Information
and other materials belonging to the other party, then in its possession or
control.

     22.7 Confidential Information shall not include information which (i)
is or becomes public knowledge through no fault of the receiving party;
(ii) is in the lawful possession of the receiving party prior to disclosure
to it by the disclosing party (as confirmed by the receiving party's
records); or (iii) is disclosed to the receiving party without restriction
on disclosure by a person who has the lawful right to disclose the
information.

     22.8 Paragraph 22 will survive the termination of this Agreement.

INTERNET DIAL-UP RESALE AGREEMENT - Page 10 of 11
<PAGE>
23.  MEDIA RELEASES
     --------------

     Neither party shall issue any public statement regarding this
Agreement, its terms, or the fact that NetVoice is providing services to
Reseller or that Reseller is purchasing such services from NetVoice, unless
approved in writing by a authorized representative of the other party.

NETVOICE CORPORATION                    Z-TEL COMMUNICATIONS, INC.

By: /s/                                 By: /s/
   --------------------------              ---------------------------

Title: President/CEO                    Title: Chief Technology Officer
      -----------------------                 -------------------------

Date: 1/19/2000                         Date: 1/19/2000
     ------------------------                --------------------------

INTERNET DIAL-UP RESALE AGREEMENT - Page 11 of 11
<PAGE>
                                EXHIBIT A

                           PRICE FOR SERVICES

1.   "Full Service"

Full Service Pricing includes:  Unlimited Internet Access with dial-up
service, NOC Services, Technical support, Hosting Services and E-Mail
Services meeting or exceeding industry standards priced as follows:

                     BUNDLED "FULL SERVICE"
-----------------------------------------------------------------
      ACCESS ACCOUNTS                        PRICE PER ACCOUNT
-----------------------------------------------------------------
0-50,000                                $10.19
-----------------------------------------------------------------
50,001-100,000                          $10.10
-----------------------------------------------------------------
100,001-150,000                         $ 9.90
-----------------------------------------------------------------
150,001-200,000                         $ 9.75
-----------------------------------------------------------------
200,001-250,000                         $ 9.50
-----------------------------------------------------------------
250,000 and up                          $ 9.30
-----------------------------------------------------------------

2.   "Port Direct Product"

Port Direct Product includes access to Dial-up ports in all NetVoice
P.O.P.s, and comes with N.O.C. and Internet Bandwidth.  Technical support
is separate, and priced on a per subscriber basis.  NetVoice hereby
acknowledges that Reseller is a telecommunications carrier and is subject
to regulatory oversight in the provision of certain components of its
services.  NetVoice, therefore, agrees to use its best efforts to conduct
itself in a manner consistent with such carrier/carrier relationship, and
to provide carrier grade service to Reseller, including, but not limited
to, providing prompt and full access to NetVoice P.O.P.s, prompt
responsiveness to deployment of features requested by Reseller and prompt
responsiveness to technical and other problems arising out of the use of
the Port Direct Product.

                         1  PORT DIRECT PRODUCT
----------------------------------------------------------------------

2  TOTAL SUBSCRIBERS       3  COST PER         TECHNICAL SUPPORT PER
                           SUBSCRIBER               SUBSCRIBER
----------------------------------------------------------------------
0-50,000                 $4.50                 $1.80
----------------------------------------------------------------------
50,001-100,000           $4.35                 $1.70
----------------------------------------------------------------------
100,000-500,000          $4.20                 $1.60
----------------------------------------------------------------------

3.   MINIMUM NUMBER OF ACCOUNTS

          1000 Accounts
          ----

EXHIBIT A TO INTERNET DIAL-UP RESALE AGREEMENT - Page 1 of 1
<PAGE>
                                EXHIBIT B
                                ---------

                               CD PRICING

1.  CD Pricing below includes customized printed cardboard sleeve.

         QUANTITY               LICENSE FEE          CD BURN IN FEE
----------------------------------------------------------------------
         0-30,000                  1.75                 .75
----------------------------------------------------------------------
       30,001-50,000               1.50                 .72
----------------------------------------------------------------------
       50,001-60,000               1.45                 .69
----------------------------------------------------------------------
       60,001-70,000               1.40                 .66
----------------------------------------------------------------------
       70,001-80,000               1.35                 .63
----------------------------------------------------------------------
       80,001-90,000               1.30                 .60
----------------------------------------------------------------------
      90,001-100,000               1.25                 .58
----------------------------------------------------------------------
      100,001-190,000              1.20                 .56
----------------------------------------------------------------------
      190,001-290,000              1.15                 .54
----------------------------------------------------------------------
      290,001-390,000              1.10                 .52
----------------------------------------------------------------------
      390,001-490,000              1.05                 .49
----------------------------------------------------------------------
      490,001-990,000              1.00                 .46
----------------------------------------------------------------------
     990,001-1,490,000              .95                 .43
----------------------------------------------------------------------
    1,490,001-1,990,000             .90                 .40
----------------------------------------------------------------------
     1,990,001 and up               .85                 .37
----------------------------------------------------------------------

2.  The license fee and CD burn in fee applicable to an Order will be based
on the total quantity of licenses and CDs ordered by Reseller during the
term, including such order.

3.  Reseller is not required to purchase the same number of licenses ass it
does CDs, e.g., Reseller may purchase one license for every five CDs ordered.

EXHIBIT B TO INTERNET DIAL-UP RESALE AGREEMENT - Page 1 of 1
<PAGE>
                                EXHIBIT C
                                ---------

                            SERVICE STANDARDS
                            -----------------

NetVoice shall provide Internet Services that meet the following standards:

*    NetVoice shall not fail to provide Internet Services more than 5% of
     the total number of minutes, or any fraction thereof, during any one
     calendar month from any single access point.

*    Reseller's Customers shall not experience busy signals when dialing
     up NetVoice's Internet Services more than 5% of the number of times
     Reseller's Customers attempt to dial up such Internet Services from
     any single access point in any one calendar month.

EXHIBIT C TO INTERNET DIAL-UP RESALE AGREEMENT - Page 1 of 1

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00008-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00008-of-00352.parquet"}]]