Document:

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                                                                    EXHIBIT 10.1

July 20, 1999

Mr. David B. Stocker, Esq.
4745 North 7th Street, Suite 234
Phoenix, Arizona 85014

     Re:  Autocapital - Wapro B.V.

Dear Mr. Stocker:

     Your office represents Autocapital with regard to the merger with Wapro
B.V. This letter sets forth the agreement ("Agreement") between Miller
Capital Corporation, an Arizona corporation ("MCC"), and Autocapital, Inc., a
shell company (hereinafter "Autocapital" or the "Company"), by which MCC will
introduce to Autocapital a third party purchaser (the "Purchaser") who
intends to acquire through purchase the majority of the outstanding common
stock ("Common Stock") of the Company. MCC will provide an introduction to
the acquiring Purchaser as detailed below.

I.   RESPONSIBILITIES OF MCC

Subject to the terms and conditions hereof, MCC services will be limited
strictly to the introduction of Autocapital to the Purchaser interested in
acquiring through purchase the majority of the outstanding Common Stock of
the Company. MCC or its representative, Jeffrey J. Janda, does not make any
representations or warranties regarding Autocapital.

It is expressly acknowledged and agreed by the parties hereto that MCC's
obligations do not insure the successful negotiation of or the final
completion of the transaction as contemplated by this Agreement.

MCC is not registered with the Securities & Exchange Commission (SEC) as a
broker/dealer or a member of the National Association of Securities Dealers
(NASD), and represents that it will not need to be so registered to carry out
its obligations hereunder. MCC's principal is a registered member in good
standing of the Institute of Management Consultants headquartered in New York
City.

It is expressly acknowledged and agreed by the parties hereto that MCC and
employees of MCC are independent contractors and are not employees or
officers of Autocapital.

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Autocapital, Inc.
July 20, 1999
Page 2

II.  COMPENSATION

In consideration of our referral services as set forth above, MCC shall be
entitled to receive, and Autocapital agrees to pay to MCC the following:

     A.   The term of this Agreement shall be 60 days and MCC will provide
          the referral introduction immediately upon execution of this
          Agreement.

     B.   MCC will receive a referral fee ("Referral Fee") in the form of a
          cash payment in the amount of $75,000 payable in full upon closing the
          transaction or receipt of funds by Autocapital. Cash payment in the
          form of bank cashier's check is to be forwarded to:

                Miller Capital Corporation
                4909 East McDowell Road
                Phoenix, AZ 85008

     C.   AUTOCAPITAL SHALL HAVE SOLE DISCRETION IN DETERMINING WHAT
          CONSTITUTES AN ACCEPTABLE REFERRAL AS CONTEMPLATED BY THIS AGREEMENT.
          MCC shall earn the Referral Fee only upon the closing or receipt of
          funds from the transaction as contemplated by this Agreement, and not
          merely for presenting a referral option that in Autocapital's sole
          discretion is unacceptable; and

     D.   MCC or its assigns shall be sold 400,000 pre-split shares of the
          currently issued and outstanding control stock of Autocapital for
          the price of $10 simultaneous with the completion of the acquisition
          of the majority of the outstanding Common Stock of the Company by
          the Purchaser.

III. EXCLUSIVITY

     A.   From the effective date of this Agreement, Autocapital and its
          officer will not engage any other person or entity to serve as its
          agent or representative to provide services similar to those to be
          provided by MCC through the term of this Agreement without the prior
          written consent of MCC.

     B.   If for a period of two (2) years after MCC's introduction of
          Purchaser to Autocapital occurs a successful closing of the
          transaction, as contemplated under this Agreement occurs, then MCC
          shall be entitled to receive all compensation as defined in Section II
          of this Agreement.

<PAGE>

Autocapital, Inc.
July 20, 1999
Page 3

IV.  INDEMNIFICATION

Since we will be acting on your behalf, it is our practice to receive
indemnification. Autocapital agrees to indemnify and hold harmless MCC against
any and all losses, claims, damages, liabilities or costs (and all actions in
respect thereof and any reasonable legal or other expenses in giving testimony
or furnishing documents in response to a subpoena or otherwise), including
the costs of investigating, preparing or defending any such action or claim,
whether or not in connection with litigation in which MCC is a party, as and
when incurred, directly or indirectly, caused by, relating to, based upon or
arising out of (a) any Purchaser introduction (as defined in or contemplated
by this engagement letter agreement, as it may be amended from time to time
(the "Agreement")), or (b) MCC's acting for Autocapital, including, without
limitation, any act or omission by MCC in connection with its acceptance of or
of the performance or nonperformance of its obligations under the Agreement;
PROVIDED, HOWEVER, such indemnity agreement shall not apply to any such loss,
claim, damage, liability or cost to the extent it is found to have resulted
primarily and directly from the gross negligence or willful misconduct of
MCC. Autocapital also agrees that MCC shall not have any liability (whether
direct or indirect, in contract or tort or otherwise) to Autocapital for or
in connection with the Agreement between Autocapital and MCC, except for any
such liability for losses, claims, damages, liabilities or expenses that is
found to have resulted primarily and directly from MCC's gross negligence or
willful misconduct.

This Indemnification Agreement shall be in addition to any liability which
Autocapital may otherwise have to MCC or its affiliates, and the
indemnification provided for shall extend personally to MCC's officers,
employees, agents, legal counsel and controlling persons of MCC within the
meaning of the Securities Act of 1933, as amended. All references to MCC in
this Indemnification Agreement shall be understood to include any of the
foregoing.

If any action, proceeding, or investigation is commenced or claim is made as
to which MCC proposes to demand indemnification, it will notify Autocapital
with reasonable promptness. Autocapital reserves the right to assume the
defense of MCC with counsel of its choosing, which counsel shall be
reasonably acceptable to MCC. Autocapital will be liable for any settlement
of any claim against MCC made without its written consent. MCC may not settle
any claim without the consent of Autocapital.

No person found liable for fraudulent misrepresentation shall be entitled to
contribution from any person who is not also found liable for such fraudulent
misrepresentation. Notwithstanding the foregoing, MCC shall not be obligated to
contribute any amount under this Agreement that exceeds the amount of fees
MCC previously received pursuant to this Agreement.

If the indemnification provided for in this Indemnification Agreement shall for
any reason be unavailable to MCC in respect of any loss, claim, damage, or
liability, or any action in respect

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Autocapital, Inc.
July 20, 1999
Page 4

thereof, referred to therein, then each Indemnifying Party shall, in lieu of
indemnifying such Indemnified Party, contribute to the amount paid or payable
by such Indemnified Party as a result of such loss, claim, damage, or
liability, or any action in respect thereof (i) in such proportion as shall
be appropriate to reflect the relative benefits received by Autocapital from
the applicable Purchaser transaction, or (ii) if the allocation provided by
clause (i) is not permitted by applicable law, in such proportion as is
appropriate to reflect not only the relative benefits referred to in such
clause (i), but also the relative fault of MCC, with respect to the actions
or inactions (including statements and omissions) that resulted in such loss,
claim, damage, or liability, or any action in respect thereof, as well as any
other relevant equitable considerations.

V. ENTIRE AGREEMENT

The Parties agree that this Agreement dated July 20, 1999, embodies the
entire agreement and understanding of the Parties and supersedes all
previous agreements, and that no understandings or agreements, verbal or
otherwise, exist between the Parties except as set forth in this Agreement.
Any modifications to the Agreement must be reduced to writing, signed by both
parties, and attached to the Agreement to be effective.

VI. SEVERABILITY

Should any section or any part of any section of the Agreement be rendered
void, invalid, or unenforceable by any court of law, for any reason, such a
determination shall not render void, invalid, or unenforceable any other
section or any part of any section in the Agreement.

VII. SURVIVAL OF REPRESENTATIONS

Each Party, for itself, and its successors, heirs, executors, administrators,
representatives, insurers, agents, and assigns, covenants and agrees that all
representations made hereunder and obligations created hereunder shall apply
to their successors and assigns; provided, however, that MCC shall not assign
this Agreement to a third party without the prior written consent of a duly
authorized representative of Autocapital, which consent shall not be
unreasonably withhold.

VIII. NOTICES

Any required notices under this Agreement shall be made by overnight courier
or certified mail, postage prepaid and return receipt requested as follows:

            If to MCC:
                   Rudy R. Miller
                   Chairman, President and CEO

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Autocapital, Inc.
July 20, 1999
Page 5

                   Miller Capital Corporation
                   4909 East McDowell Road
                   Phoenix, Arizona 85008

           If to Autocapital:
                   AUTOCAPITAL
                   c/o David Stocker
                   4745 North 7th Street, Suite 234
                   Phoenix, Arizona 85014

IX.  CHOICE OF LAW

The validity and interpretation of this Agreement shall be governed by the
laws of the State of Arizona, without giving effect to the State of Arizona's
choice of law principles, and all actions arising under this Agreement or
arising out of the operative facts represented by services performed pursuant
to this Agreement shall be resolved in the courts of the State of Arizona.

X.  HEADINGS

The headings are for informational purposes only and shall not constitute a
part of this Agreement.

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Autocapital, Inc.
July 20, 1999
Page 6

XI.  NO WAIVER OF BREACH

Waiver of any one breach of the provisions of this Agreement shall not be
deemed a waiver of any other breach of the same or any other provision of
this Agreement.

AGREED AND ACCEPTED:

    Please confirm that the foregoing correctly sets forth our mutual
understanding by signing and returning the copy of this agreement provided
for that purpose.

Autocapital

By:  /s/ David B. Stocker               Date:    8/13/99
    -------------------------                 -----------------
     David B. Stocker, Esq.
     Attorney for Autocapital

Miller Capital Corporation
Mary A. Nance

By:  /s/ Mary A. Nance                  Date:    8/16/99
    -------------------------                 -----------------
     Mary A. Nance
     Executive Vice President<PAGE>

                                                               EXHIBIT 10.2

                             CONTRACT OF EMPLOYMENT

         The undersigned, namely :

         1. THE PRIVATE LIMITED COMPANY 'PREMIER NR.1 WATERBEDDEN B.V.', with
         its corporate office at Winterswijk, represented by Mr. C.A.R. Bongers,
         Managing Director, who shall also be referred to as : "the employer";
         and
         2 XXXXXXX residing at XXXX, who shall also be referred to as : "the
         employee" :

         HEREBY DECLARE THAT THEY ARE AGREED AS FOLLOWS :

         ART. 1 FUNCTION
         The employee shall be employed with the employer in the capacity of
         marketing executive, for field service.

         His duties shall include the sale of the products of the employer
         throughout The Netherlands.
         The employee must make an average of 8 to 14 appointments/visits per
         day per week during normal working hours.
         If in the exclusive discretion of the employer, it is necessary to do
         so in the interest of the company, the employee must make visits to
         the planned appointees on a maximum of 3 Saturdays per month.

         "Sale of products" shall mean the supply of post-codes (and
         preparatory) address material for telemarketing purposes, and the
         fixing of five appointments per week on the employee's own account, if
         the employer deems it necessary. For each appointment made on his own
         account, for which delivery is not made, per week, the employer will be
         entitled to impose an extra target of fl. 1500/- on the employee per
         month.
         The parties agree that if in the opinion of the employer, it is
         necessary in the interests of the company to do so, other activities
         may be assigned to the employee.

         ART. 2 DURATION OF CONTRACT AND PROBATIONARY PERIOD
         This contract of employment is entered into for a period of 4 months,
         starting from the XXXXXX, and shall therefore come to an end by
         operation of law, and without there being any need to issue notice of
         termination of contract, on the XXXXXX. The first month of this
         contract of employment shall be the legally allowed probationary period
         as agreed between the parties.
         The employee must, either at the commencement of the period or at the
         latest within 3 weeks of the same, submit to the employer an official
         certificate of good conduct.

<PAGE>

         ART.3 SALARY, LEAVE PAY, EXPENSE ALLOWANCE AND PENSION PAYMENTS
         The employee shall receive a gross monthly salary of fl. 3000/- per
         month,  to be paid on the last day of the calendar month.

         The expense allowance shall be a maximum of fl. 150/- per month.
         The telephone/fax allowance will be fl. 100/- per month, of which a
         part will be taxable. Appointments made on holidays will be accounted
         for in proportion to the number of days worked, and the same shall also
         apply to leave pay.
         The extra leave allowance shall be 8% of the gross annual salary, to
         be paid in the month of June, or at the end of service.

         It is obligatory for the employee to participate in the company Salary
         Savings Scheme which has been set up for the purchase of an annuity.

         ART. 4 CAR
         Paragraph 1 :
         A car will be made available to the employee for the purposes of
         carrying out his activities, at the sole discretion of employer.
         Such car may be used by the employee for personal use as well, in
         keeping with conventional standards of reasonableness and moderation.
         All the maintenance costs of the car will be borne by the employer,
         subject to the condition that the employee shall pay the sum of
         fl. 200/-, net, to the employer for the use of the car, which sum will
         be deducted automatically from his salary, and which sum may be
         revised by the employer if the circumstances require the same.
         The above mentioned amount shall be treated as a compensation for
         kilometres run for personal use by the employee within the framework
         of the employee's tax contributions. For contributions for own risk
         insurance, see Annex.
         The car must be brought back to the workplace of the employer by the
         employee himself within 24 hours on request being made for the same by
         the employer for the first time. This must not only be done on the
         termination of the employment, but also during the currency of the
         contract of employment, if the same is necessary in the opinion of the
         employer. It is mandatory for the employee to be present while the
         condition of the car is being examined; such examination for damage or
         other similar eventualities will be carried out immediately after
         hand-over. If damage to the car, or other irregularities are found, an
         inspection report must be prepared.
         If the employee uses his own car, he will be paid a maximum of
         f 0.50 per k.m., subject to a maximum of f. 1500/- per calendar month.

<PAGE>

         Paragraph 2 :
         If the driving licence of the employee is confiscated by the police in
         connection with a serious traffic violation, then irrespective of
         whether the employee gets back his licence within a short or long
         period of time, or whether the employee has wilfully committed a
         serious traffic violation, or in cases where the employee has been
         guilty of less serious traffic violations on several occasions, the
         employer may terminate the contract of employment with the employee, or
         he may release/have himself released from the contract taking into
         account the fact that the non-availability, or the expected
         non-availability of the employee to the employer may cause the employer
         substantial losses, and in such case all the damages to the car arising
         from the same will be borne by the employee, to the extent not covered
         by the insurance company.

         ART. 5 CONTRACT POLICY AND COMMISSIONS
         All the new marketing executives will be included in the Standard
         League class, and shall have a basic salary of f. 3000/- gross per
         month. The minimum sales turnover expected is 4 to 7 orders per month
         (in a month of 4 weeks)
         If the sale and the marketing executives satisfy the expectations of
         the company, the marketing executives will be offered a fresh contract
         for six months, and he shall be included under the Classis League.
         The expectations of the company shall relate not only to growth in
         sales, but also personal growth and development of the marketing
         executive as well.
         For details of the calculation of commissions : see Annex
         TARGET :
         The target amounts to one net sale per week. In a month consisting of
         4 weeks, the target will be four net sales. If less than one net sale
         is made per week, no commission will be paid. The target shall be
         subject to being carried forward, which is to say, that if a target is
         not met within the previous month, it will be carried forward to the
         next month, and must be made up in such subsequent period.
         For sales which are not realised on the basis of appointments made by
         the employee himself, one net sale will be deducted from the sales
         qualifying for commissions.
         The target and commission will be calculated on the basis of the
         number of orders, in which each order must be of an average minimum of
         f 12,350/-, excluding Value Added Tax (VAT).
         SALES COMMISSIONS :
         The sales commissions will be paid on NET sales.
         Payments of commission will be made according to the attached
         commission calculation chart.

<PAGE>

         The net sales are sales which cumulatively satisfy the following
         conditions:
         -    The order is not cancelled by the client;
         -    The client gives his full support for the execution of the order.
         -    The order must be approved by Lease Mij.
         -    The orders submitted must be complete in all respects.

         IN ADDITION, 85% OF THE ORDERS MUST BE CAPABLE OF DELIVERY AS SOON AS
         POSSIBLE!
         If the employee has to repay any excess commissions and
         high-performance bonus to the employer, the same may be adjusted
         against commissions and/or salaries due to the employee.
         HIGH-PERFORMANCE BONUS :
         High-performance bonuses are intended to provide an extra incentive to
         the employee, with the understanding that it is based on the average
         turnover of the League in question (see Annex) over a period of six
         months.
         If it appears that at the end of the contract of employment, the
         stated sales are not achieved, the employer shall have the right,
         to adjust the earlier mentioned excess commission and/or bonuses paid
         against the employee's account against salaries and/or commissions due
         to the employee.
         The employer reserves the right to change the commission and/or target
         commissions, if the same is justified or required in the interests of
         the company, at the sole discretion of the employer.
         `Target' shall mean the booking of one order per month on the basis of
         an appointment made by the employee himself. If there are unrealised
         reference sales, the employer may add a required extra turnover of
         f. 12,350/- and/or one bed in the target for each month.

         The commission-related target of one bed shall only apply for
         calculating the turnover eligible for commission, and not as a test
         criterion for measuring the performance of the employee.

         The average turnover which will be taken as a basis for evaluation for
         evaluating the performance of the employee, for example in connection
         with taking a decision as to whether the service contract of a
         particular employee will be continued or not, will be the average
         turnover of the entire group of marketing executives within a test
         period, and not the above mentioned commission-related target.

         The employer shall have the right, if the payment of an order goes into
         default, whether due to the cancellation of the order or otherwise, to
         adjust the commission which has been credited in excess against other
         commission items, or to demand repayment of such commission paid in
         excess.
         If there is a dispute between employees as regards to whom the
         commission for a particular order is due, the employer shall have the
         right to withhold the pay-out of such commission until such dispute is
         resolved.
         If the parties in dispute do not settle the same within 14 days
         amicably, the employer shall have the right to take a final decision,
         and to allot the commission to one of the parties, or to divide the
         same between the parties.

<PAGE>

         ART. 6 ABSTINENCE FROM COLLABORATING WITH COMPETITORS
         Paragraph 1 :
         The employee undertakes that he will not sell, whether directly or
         indirectly, or even be associated with the sale of articles included in
         the product range of Premier NR.1 Waterbedden B.V., manufactured by
         parties other than Premier NR.1 Waterbedden B.V., during the course of
         this contract of employment.
         The above mentioned prohibition shall also apply to articles which are
         similar, identical or related to the articles coming under the product
         range of Premier NR.1 Waterbedden B.V., as well as to other articles.
         In addition, the employee is also prohibited to carry out work for
         parties other than Premier NR.1 Waterbedden B.V., without the express
         prior permission in writing of the employer, in any manner or any
         basis whatsoever, whether on salaried basis or otherwise, against
         sharing of profit/gains or otherwise, and also hereby binds himself to
         devote all his energy and working capability exclusively for the
         benefit of Premier NR.1 Waterbedden B.V.

         Paragraph 2 :
         The employee is expressly prohibited from running, in the Netherlands,
         any type of business which is identical or similar to that of Premier
         NR.1 Waterbedden B.V., whether by himself or through others, whether
         directly or indirectly, whether through financial support or by any
         other means, or to have any interest in such a business, during the
         currency of this contract of employment, and also within a period of
         one year after the conclusion of this contract of employment.
         The employee is also expressly prohibited to be employed within the
         Netherlands for a company or business which is identical, similar or
         related to Premier NR.1 Waterbedden B.V., either during the currency of
         this agreement, or within a period of one year after the termination of
         this contract of employment, whether or not on the basis of a contract
         of employment, whether full time or part time, whether or not for
         profit, or to provide services, whether directly or indirectly, whether
         for profit or not, to such company, or to have an interest in such a
         company, financial or otherwise, direct or indirect, in any form or
         under any name or title whatsoever.

         Paragraph 3 :
         If one or more of the prohibitions contained in paragraph 1 and /or 2
         are violated, the employee will be immediately liable to pay, without
         there being any need for the employer to issue a notice of default, or
         a summons, a penalty of fl. 1,000/- per day for each day in which he
         acts, or has acted, in violation of the provisions contained in the
         preceding paragraphs.

         Paragraph 4 :

<PAGE>

         The employee declares his specific agreement to the above mentioned
         articles, and since he is fully aware of the fact that the product of
         Premier NR.1 Waterbedden B.V., and the marketing strategy and sales
         techniques used by it have been developed by it on its own, at
         considerable expense and effort, and are therefore so valuable and
         peculiar in nature, the employee hereby agrees that after he has
         obtained knowledge of the same during his tenure with Premier NR.1
         Waterbedden B.V., these techniques will not be made available to a
         competitor.

         ART. 7 OVERTIME
         The employee declares that he is well aware of, and also fully accepts,
         the fact that overtime is involved in his job. He declares that he is
         willing to do overtime work.
         Compensation for overtime will be treated as already having been
         included in the agreed salaries, commissions and other emoluments.

         ART. 8 TRAINING AND COURSES
         The employee declares his willingness to participate in the training
         and other courses organised by the employer. The employer shall ensure
         that the employee obtains the necessary knowledge and expertise about
         his products.
         The costs of the same will be borne by the employer, with the
         understanding that the employee shall pay an amount equal to
         fl. 2500/- to the employer if at the instance of the employee, the
         relationship of employer-employee comes to an end within four months.

         ART. 9 OWN RISK
         The employee is prohibited to work on his own account, and also to
         issue discounts to clients without the written consent of the employer.

         ART. 10 SICKNESS
         In the case of sickness the employee shall have no right to salary for
         the first two days of absence. Thereafter, the standard legal
         provisions will apply, which shall in principle consist in the payment
         of 70% of the fixed salary, without commission. As regards other
         related matters, the provisions of the Annex relating to sick leave
         compensation shall be applicable.

         ART. 11 CONFIDENTIALITY
         The employee is bound to keep confidential all matters relating to the
         products, the management, marketing, administration practices of the
         company, such as these may be, even after the expiry of this contract,
         on pain of the payment of a penalty of Fl. 100,000/- in respect of each
         violation.

         ART. 12 LEAVE
         The employee shall have 22 leave days per year. 15 of these must be
         availed of in the summer vacation granted by the employer, during which
         the employee shall have three consecutive weeks free, except in the
         case of extra-ordinary circumstances.

<PAGE>

         Thus made out in duplicate and signed at Winterswijk on the XXXXXX.

         Signature                                      Signature

         ............................              ............................

         Premier NR.1 Waterbedden B.V.             Name in block letters.

         C.A.R. Bongers, Managing Director. XXXXX, the employee.

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