Document:

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                                                                   EXHIBIT 10.12

                         EXECUTIVE EMPLOYMENT AGREEMENT

         This Executive Employment Agreement (this "Agreement") is made as of
May 1, 1988, by Account-A-Call Corporation, a California corporation ("AAC"),
and Ricardo G. Brutocao, an individual ("Executive"), with reference to the
following.

                                    RECITALS

         A.       AAC is in the business of providing telephone call accounting
software, data processing and software design and programming to the
telecommunications industry (the "Call Accounting Business").

         B.       AAC wishes to employ Executive as AAC's President and Chief
Executive Officer and Executive wishes to become so employed by AAC, subject to
the provisions set forth in this Agreement

                                    AGREEMENT

         NOW, THEREFORE, in consideration of the foregoing premises and the
provisions set forth below, the parties agree as follows.

         1.       TERM. AAC hereby employs Executive and Executive hereby
accepts employment by AAC for a term of two years (the "Initial Term"), subject
to provisions of this Agreement. The Initial Term will commence as of the date
of this Agreement. If Executive remains in AAC's employ subsequent to the
expiration of the Initial Term, this Agreement will remain in effect until it is
terminated as provided by Section 8. The actual period of time that Executive
remains in AAC's employ pursuant to this Agreement is referred to in this
Agreement as the "Employment Period".

         2.       DUTIES. Executive will be employed as AAC's "President" and
"Chief Executive Officer" throughout the Employment Period and, in such
capacity, Executive will be AAC's most senior executive and manager. Executive
will report only to AAC's Board of Directors (the "Board") and all employees,
representatives and agents of AAC and its parent, subsidiary and other related
companies, if any (collectively, "Affiliates"), will report directly to
Executive or to individuals who ultimately report to Executive, as may be
determined by Executive from time to time. Executive will also perform such
additional services of an executive nature as may be reasonably requested from
time to time by the Board.

         Executive will serve as a member of the Board and AAC will use its best
efforts to cause Executive to be a member of the Board at all times throughout
the Employment Period. If requested to do so by the Board, Executive will also
serve on the Board of Directors of any Affiliate. Executive will not be entitled
to receive any additional compensation by reason of his service on the Board or
the Board of Directors of any Affiliate pursuant to this Agreement.

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         Executive will devote substantially all of his business time and
efforts to the performance of his duties under this Agreement and will endeavor
to manage AAC's business and affairs for the maximum benefit of AAC and its
shareholders. Executive will make himself available for reasonable business
travel from time to time throughout the Employment Period as may be reasonably
necessary or requested by AAC.

         3.       COMPENSATION.

                  a.       Base Salary. Except as may be otherwise established
by AAC and Executive in writing, AAC will pay Executive the following annual
base salary (the "Base Salary"):

                           (i)      With respect to the first 14 months of
the Employment Period, $125,000;

                           (ii)     With respect to the period commencing 14
months after the beginning of the Employment Period and ending 26 months after
the beginning of the Employment Period, $140,000; and

                           (iii)    With respect to the period commencing 26
months after the commencement of the Employment Period and all times thereafter
until the conclusion of the Employment Period, $150,000.

                  The Base Salary will be paid by AAC in installments throughout
the Employment Period in accordance with AAC's executive payroll policies in
effect from time to time during the Employment Period, but in no event less
frequently than two equal installments per month.

                  b.       Stock Acquisition Rights. AAC hereby grants Executive
the stock acquisition rights described in Exhibit "A".

                  c.       Incentive Bonus. In addition to the Base Salary,
Executive will be entitled to incentive bonuses to be established by the Board
not later than June 1, 1988 and attached to this Agreement as Exhibit "B".

                  d.       Holiday Bonus. AAC presently maintains a policy of
awarding each of its employees a holiday bonus in December of each year in an
amount equal to one week's salary (the "Holiday Bonus"). In addition to any
other amounts payable to Executive pursuant to this Agreement, Executive will be
entitled to a Holiday Bonus to the extent that AAC continues its Holiday Bonus
program.

                  e.       Withholding. In addition to any other amounts
approved by Executive, AAC will withhold such amounts from the compensation
payable to Executive pursuant to this Agreement as may be necessary to satisfy
AAC's obligations under any applicable federal, state or local law or
regulation.

         4.       HEALTH AND WELFARE BENEFITS. AAC will provide Executive with
health, welfare, disability and retirement insurance benefits

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in accordance with AAC policies in effect from time to time. AAC will pay the
deductible and insured's co-payment portion of all medical expenses under AAC's
standard employee health plan. AAC will also obtain a policy of life insurance
covering Executive's life, and a policy of long term disability income
insurance, in an amount and on such terms as may be mutually agreeable to AAC
and Executive (collectively, the "Executive Insurance"). The amounts and terms
of the Executive Insurance coverage will be established within 60 days and then
attached as Exhibit "C" to this Agreement. Executive shall be entitled to all
rights and benefits pursuant to the Executive Insurance.

         5.       KEY PERSON INSURANCE. AAC may, at any time and from time to
time, obtain such life and health insurance policies insuring the life or health
of Executive in such amounts and with such insurers (collectively, "Key Person
Insurance") as AAC, in its sole discretion, deems appropriate. AAC will have the
sole right to designate the beneficiary of all such Key Person Insurance during
the Employment Period and the sole right to all benefits payable pursuant to any
Key Person Insurance with respect to any event occurring during the Employment
Period. Executive will cooperate with AAC if AAC elects to obtain any Key Person
Insurance from time to time, including without limitation, timely submitting to
medical, physical and psychological examinations and assisting AAC with the
preparation of insurance applications.

         Upon the termination of the Employment Period, AAC will, at Executive's
sole option, assign and transfer to Executive all of its right, title and
interest in and to any or all Key Person Insurance which AAC may then maintain
relative to Executive, if any; provided, however, that at as a condition
precedent to such assignment and transfer, Executive must pay to AAC the cash
value (the "Cash Value") of all such Key Person Insurance, if any, together with
all out-of-pocket costs incurred by AAC to effect the transfer and assignment,
if any. If Executive and AAC cannot agree on the Cash Value, AAC's independent
certified public accountants will determine the Cash Value and such
determination will be binding on both Executive and AAC.

         6.       FRINGE BENEFITS. Executive will be entitled to all other AAC
fringe benefits, including without limitation, vacation and sick leave, in
accordance with AAC's policies in effect from time to time during the Employment
Period.

         7.       EXECUTIVE EXPENSES.

                  A.       Automobile. AAC will pay Executive an automobile
allowance in the amount of $500 per month. In addition, AAC will provide
Executive with a gasoline credit card to pay for fuel, oil and other items
pertaining to Executive's automobile. AAC will also provide Executive with an
automobile club membership for Executive, spouse and dependents and will pay the
monthly charge and all telephone charges for the cellular telephone in
Executive's automobile.

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                  B.       Expense Accounts. Executive will be entitled to
reimbursement for all expenses reasonably incurred by Executive on behalf of AAC
from time to time during the Employment Period. Executive will be provided with
a Visa, Mastercard and American Express credit card issued to AAC to facilitate
Executive's travel and entertainment on behalf of AAC. Executive will keep
records of all expenses incurred on behalf of AAC in accordance with AAC's
policies in effect from time to time throughout the Employment Period.

         8.       TERMINATION. The Employment Period will be immediately and
automatically terminated upon Executive's death. The Employment Period may also
be terminated as provided below.

                  a.       TERMINATION for Cause. Notwithstanding anything in
this Agreement to the contrary, AAC may immediately terminate Executive's
employment for cause at any time if Executive:

                           (i)      is convicted of, or pleads guilty or nolo
contendere to, any felony;

                           (ii)     embezzles or misappropriates any AAC funds
or assets;

                           (iii)    is adjudicated to be incompetent or, in the
reasonable opinion of a licensed physician or psychiatrist retained by AAC, is
unable by reason of physical or mental illness or incapacity to carry out
Executive's duties hereunder for a period of two months during any twelve-month
period;

                           (iv)     in the reasonable opinion of a licensed
physician or psychiatrist retained by AAC, is substantially unable by reason of
substance (including without limitation drug or alcohol) abuse or addiction to
reasonably and effectively carry out Executive's duties hereunder for an
aggregate period of seven days in excess of Executive's accrued vacation time
and sick leave, if any; or

                           (v)      fails or refuses to perform Executive's
reasonable and customary duties hereunder for a period of 30 days after written
notice describing the duty or duties which Executive has failed or refused to
perform is given to Executive by AAC.

                  Executive agrees to timely submit to medical, physical and
psychiatric examinations from time to time during the Employment Period to
enable AAC to determine if Executive is incompetent or subject to any mental or
physical illness or incapacity or to drug abuse or addiction, as contemplated
above by sections 8(a)(iii) and 8(a)(iv).

                  b.       Without Cause. AAC may terminate Executive's
employment without cause at any time without notice during the first 24 months
of the Employment Period. If AAC terminates Executive's employment without cause
at any time during the first

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12 months of the Employment Period, then AAC will continue to pay Base Salary to
Executive for an additional 12 months as and when it becomes due pursuant to
this Agreement. If AAC terminates Executive's employment without cause at any
time during the period commencing 12 months after the beginning of the
Employment Period and ending 24 months after the beginning of the Employment
Period, then AAC will continue to pay Base Salary to Executive for an additional
six months as and when it becomes due pursuant to this Agreement. AAC may
terminate Executive's employment without cause at any time at least 24 months
after the beginning of the Employment Period upon not less than 120 days prior
written notice to Executive.

                  c.       Litigation Assistance. Notwithstanding the
termination of this Agreement as provided above, Executive will, upon reasonable
notice, supply reasonable information and assistance to AAC and its attorneys in
relation to any litigation involving AAC or any of its Affiliates, including
without limitation, appearing at depositions and trials to give testimony
("Litigation Assistance"). Executive will keep track of all time expended by
Executive for Litigation Assistance. AAC will pay Executive $100 per hour for
all time spent by Executive for Litigation Assistance and AAC will reimburse
Executive for all out-of-pocket expenses incurred by Executive at AAC's request
relative to Litigation Assistance.

         9.       EXCLUSIVE EMPLOYMENT. Executive acknowledges that AAC expects
to receive the benefit of all of Executive's ability, energy, creativity, skill,
training, experience and enthusiasm (collectively referred to as the
"Executive's Ability") with respect to Executive's duties and tasks of
employment and agrees that AAC cannot so receive the benefit of all of
Executive's Ability if Executive engages in any employment for any other
business ("Additional Employment"). This does not preclude Executive serving
as a consultant, advisor or member of any Board of Directors, as long as such
employment does not compete with AAC. Executive further acknowledges that AAC
would not have entered into this Agreement with Executive if Executive engages
in or intends to engage in any Additional Employment. In view of the foregoing,
Executive represents and warrants that Executive will not undertake any
Additional Employment at any time during the Employment Period without first
obtaining the approval of the Board, which may be arbitrarily withheld for any
reason in the exercise of unfettered discretion, and which will only be deemed
to be obtained if Executive receives written confirmation of such approval
signed by the Chairman or Vice Chairman of the Board.

         10.      REPRESENTATIONS AND WARRANTIES OF EXECUTIVE. Executive
represents and warrants to AAC that (i) Executive is under no contractual or
other restriction or obligation which is inconsistent with any of the
provisions of this Agreement or the performance of any of Executive's duties
hereunder; (ii) Executive is under no physical or mental disability that would
impair the performance of Executive's duties under this Agreement; and

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(iii) Executive has had an opportunity to review this Agreement with Executive's
legal counsel, but has chosen not to do so.

         11.      REPRESENTATIONS AND WARRANTIES OF AAC. AAC represents and
warrants that (i) it is a duly organized corporation in good standing under the
laws of the State of California; (ii) it has the authority to enter into this
Agreement; and (iii) this Agreement is a valid and binding agreement enforceable
in accordance with its terms.

         12.      COMPETITION. Executive represents and warrants that Executive
will not, at any time during the Employment Period, directly or indirectly, plan
for, participate or engage in, or organize any business or venture which is
substantially involved in the Call Accounting Business by becoming an owner,
officer, director, shareholder, partner, associate, employee, agent,
representative or consultant, or otherwise serve in any other capacity, with
respect to any such business or venture.

         13.      NO SOLICITATION. Executive represents and warrants that
Executive will not, at any time during the Employment Period directly or
indirectly (i) employ, attempt to employ or otherwise solicit for employment any
of AAC's employees for any business or venture with which Executive may be
employed, affiliated or associated, including without limitation, any business
or enterprise for which Executive may be a consultant or recruiter, or (ii)
contact, communicate with, inquire of or otherwise solicit any holder of any AAC
security to invest in or to purchase, or offer or subscribe to purchase, any
security or debt or equity interest in any business or venture which is
substantially involved in the Call Accounting Business.

         14.      AAC INVENTIONS. All inventions, methods, procedures,
practices, manuals, computer programming, software, improvements, ideas,
secrets and disclosures pertaining to the Call Accounting Business (whether or
not patent or copyright protection is available with respect to such items)
actually or constructively conceived or reduced to practice in whole or in part
by Executive during the Employment Period (collectively, "Intangible Rights")
will be and remain the sole property of AAC. Notwithstanding the foregoing
sentence, the provisions of this section will not apply to any invention for
which no equipment, supplies, facility or trade secret information of AAC was
used by Executive, which was developed entirely on Executive's own time, and (a)
which does not relate (i) to the Call Accounting Business, or (ii) to AAC's
actual or demonstrably anticipated research or development, or (b) which does
not result from any work performed by Executive for AAC.

         15.      CONFIDENTIALITY. Executive will not, while an employee of
AAC, improperly use or disclose any proprietary information or trade secrets of
Executive's former employers or companies, if any, and will not bring onto AAC's
premises any unpublished document or other property belonging to any person or
entity other than AAC unless consented to in writing by the lawful owner
thereof. Unless

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expressly authorized by AAC in writing, Executive will not at any time during or
after the Employment Period, directly or indirectly, disclose to any third
party, or use or authorize any third party to use, any Intangible Rights or
other confidential or proprietary information relating to AAC's or any
Affiliate's business, including, without limitation, all forms, accounting
methods and practices, advertising plans, photographs, drawings, schematics,
financial information, employee information, computer software, pricing
research, strategies, information, reports, procedure manuals, policy manuals,
computer programs, investor or shareholder lists, actual or demonstrably
anticipated research and development, business plans, market strategies or any
related items (collectively, "Confidential Information"), except as required by
law. At the termination of the Employment Period, Executive agrees to deliver to
AAC all Confidential Information, tapes, disks, materials, equipment, and any
other document, medium, property, reproduction or other item belonging to (or
containing any information belonging to) AAC, its successors or assigns, and
will not retain any copies of any such items.

         16.      ASSIGNMENT OF RIGHTS. Executive will sign and deliver to AAC,
at AAC's expense, all such instruments of assignment and quitclaim as may be
necessary to vest in AAC title to all Intangible Rights, and will render to AAC
all assistance which may be reasonably required in order to reduce such ideas
and disclosures to practice. If requested, Executive will sign all applications
for copyright registration or issuance of letters patent in the United States or
abroad and assignments thereof. Further to the mutual intention of the parties
that all Intangible Rights be assigned to AAC, Executive hereby appoints AAC as
Executive's true and lawful attorney in fact, to sign for Executive, and in
Executive's behalf and stead, to sign and file any assignments or applications
and to do all other lawfully permitted acts to further AAC's ownership and use
of any Intangible Rights with the same legal force and effect as if signed and
filed by Executive (the "Power of Attorney"). Executive hereby waives any and
all claims, of any nature whatsoever, which Executive may now or hereafter have
with respect to the Intangible Rights and AAC's lawful exercise of the Power of
Attorney and expressly releases AAC from any liability with respect to same.
Executive agrees that the Power of Attorney is coupled with an interest and is
irrevocable and that Executive may not substitute any other person or entity for
AAC thereunder.

         17.      NOTICES. All notices, requests, demands or other
communication (collectively, "Notice") given to any party pursuant to this
Agreement will not be effective unless given in writing to the parties at their
respective addresses as set forth below.

                IF TO AAC:         Account-A-Call Corporation
                                   4450 Lakeside Drive
                                   Burbank, California 91505
                                   Attn: Board of Directors

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                IF TO EXECUTIVE:        Ricardo G. Brutocao
                                        661 South Aldenville Avenue
                                        Covina, California 91723

Notice will be deemed duly given when delivered personally or by telegram, telex
or courier, or, if mailed, 72 hours after deposit in the United States mail,
certified mail, postage prepaid. The addresses of the parties for the purpose of
providing Notice pursuant to this section may be changed from time to time by
Notice to the other party duly given in the foregoing manner.

         18.      FURTHER DOCUMENTS AND ACTS. Each of the parties agrees to
cooperate in good faith with the other, and to execute and deliver such further
instruments and perform such other acts as may be reasonably necessary or
appropriate to consummate and carry into effect the transactions contemplated by
this Agreement.

         19.      ARBITRATION. Any dispute, action, litigation or other
proceeding concerning this Agreement (collectively, "Action"), other than a
dispute or controversy concerning sections 12 through 16, inclusive, will be
settled by arbitration to be held, at the sole election of AAC, in Los Angeles
County or Orange County, California, in accordance with the rules of the
Judicial Arbitration and Mediation Service then in effect (or, if not then
existing, the most nearly similar successor entity). If AAC fails to designate
the county where arbitration is to be held within 30 days after Executive
requests arbitration, arbitration will be held in the California county where
AAC's principal place of business is then situated. Any process or other papers
under this provision may be served outside the State of California by registered
mail, return receipt requested, or by personal service, provided that a
reasonable time for appearance or response is allowed. Discovery may be had in
all such arbitrations in accordance with the California Code of Civil Procedure,
except that no more than two depositions will be permitted by each party. The
arbitrator will apply California law as set forth in section 20 of this
Agreement. Judgment may be entered upon the arbitrator's award in any court
having jurisdiction and the parties consent to the jurisdiction of the Los
Angeles County and Orange County, California, courts for this purpose.

         20.      CALIFORNIA LAW. This Agreement will be governed by and
interpreted in accordance with the laws of the State of California, including
all matters of construction, validity, performance and enforcement, without
giving effect to principles of conflict of laws. Any Action which is not subject
to arbitration as provided in the foregoing will be instituted, maintained,
heard and decided, at the sole election of AAC, exclusively in Los Angeles
County or Orange County, California and the parties irrevocably submit to
jurisdiction and venue in each such county. If AAC fails to designate the
county where the Action is to be instituted within 30 days after Executive's
request, the Action will be instituted in the California county where AAC's
principal place of business is then

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situated. Any process or other papers under this provision may be served outside
the State of California by registered mail, return receipt requested, or by
personal service, provided that a reasonable time for appearance or response is
allowed.

         21.      INJUNCTIVE RELIEF. Executive hereby acknowledges and agrees
that any breach or threatened breach of sections 12 through 16, inclusive, of
this Agreement will cause substantial and irreparable damage to AAC in an
amount and of a character difficult to ascertain. Accordingly, in addition to
any other relief to which AAC may otherwise be entitled, AAC will also be
entitled (i) to terminate Executive's employment, and (ii) to immediate
temporary, preliminary and permanent injunctive relief to prevent any such
breach or threatened breach through appropriate legal proceedings, without proof
of actual damages that have been incurred or may be incurred by AAC with respect
to such breach or threatened breach, and without having to post any bond or
undertaking as a condition to such relief, all which is expressly and knowingly
waived by Executive.

         22.      ATTORNEYS' FEES. The prevailing party in any Action will be
awarded, in addition to any damages, injunctions or other relief, and without
regard to whether or not such matter be prosecuted to final judgment, such
party's costs and expenses, including attorneys' fees.

         23.      AMENDMENTS/WAIVERS. This Agreement may be amended,
supplemented, modified or rescinded only through an express written instrument
signed by all the parties or their respective successors and assigns. Either
party may specifically and expressly waive in writing any portion of this
Agreement or any breach hereof, but no such waiver will constitute a further or
continuing waiver of any preceding or succeeding breach of the same or any other
provision. The consent by one party to any action for which such consent was
required will not be deemed to imply consent or waiver of the necessity of
obtaining such consent for the same or similar acts in the future.

         24.      COUNTERPARTS. This Agreement may be executed in any number of
counterparts, each of which will be deemed to be an original, but all of which
together will constitute one and the same instrument.

         25.      SEVERABILITY. Each provision of this Agreement is intended to
be severable and if any term or provision herein is determined invalid or
unenforceable for any reason, such illegality or invalidity will not affect the
validity of the remainder of this Agreement and, wherever possible, intent will
be given to the invalid or unenforceable provision.

         26.      LIMITATION ON ACTIONS. Any claim, dispute, controversy,
litigation, arbitration, action or other proceeding for breach of this Agreement
must be brought and legal process or arbitration, as the case may be, initiated
within one year after the cause of

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action for such claim first accrued or the breach first occurred, whichever is
sooner, or it will be forever waived and lost.

         27.      REMEDIES. All rights, remedies, undertakings, obligations,
options, covenants, conditions and agreements contained in this Agreement will
be cumulative and no one of them will be exclusive of any other.

         28.      ASSIGNMENT. Neither this Agreement, nor any interest herein,
will be assignable (voluntarily, involuntarily, by judicial process or
otherwise) by Executive to any person or entity without the prior written
consent of AAC. Any attempt to assign this Agreement without such consent will
be void. Notwithstanding the foregoing, if Executive dies during or within 180
days after the expiration of the Employment Period, Executive's estate, spouse,
heirs and legal representatives will be entitled to the benefits Executive is
entitled to receive pursuant to this Agreement.

         29.      SUCCESSORS. Subject to the foregoing section, this Agreement
will be binding upon and inure to the benefit of the parties and their
respective heirs, legatees, legal representatives, successors and permitted
assigns.

         30.      INTERPRETATION. The language in all parts of this Agreement
will be in all cases construed simply according to its fair meaning and not
strictly for or against any party. Whenever the context requires, all words used
in the singular will be construed to have been used in the plural, and vice
versa, and each gender will include any other gender. The captions of the
sections of this Agreement are for convenience only and will not affect the
construction or interpretation of any of the provisions herein.

         31.      BENEFIT OF AGREEMENT. This Agreement is for the sole and
exclusive benefit of the parties to this Agreement, and nothing in this
Agreement will be construed to give any person or entity other than the parties
hereto any legal or equitable right, claim or remedy.

         32.      ENTIRE AGREEMENT. This Agreement contains the entire and
complete understanding between the parties concerning its subject matter and all
representations, agreements, arrangements and understandings between or among
the parties, whether oral or written, have been fully merged herein and are
superseded hereby.

         33.      MISCELLANEOUS. The recitals and all exhibits, attachments or
other documents referenced in this Agreement are fully incorporated into this
Agreement by reference. Unless expressly set forth otherwise herein, all
references herein to a "day", "month" or "year" will be deemed to be a reference
to a calendar day, month or year, as the case may be. Unless expressly set forth
otherwise herein, all cross-references herein will refer to provisions within
this Agreement, and will not be deemed to be references to the overall
transaction or to any other agreement or document.

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         IN WITNESS WHEREOF, the parties have signed this Agreement as of the
date set forth above.

                                                 "EXECUTIVE"

                                                 /s/ Ricardo G. Brutocao
                                                 -----------------------
                                                 Ricardo G. Brutocao

                                                 "AAC"

                                                 ACCOUNT-A-CALL CORPORATION,
                                                 a California corporation

                                                 By: /s/ Joseph V. Russo
                                                     ---------------------------
                                                 Its: Controller CFO

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                            STOCK ACQUISITION RIGHTS

         Executive is hereby granted the option to purchase shares of AAC's
common stock equal to 5% of the total number of such shares outstanding (on a
fully diluted basis) on the date of this Agreement for $3.94 per each share (the
"Option"). AAC represents that the number of shares subject to the foregoing
Option is 35,500 (collectively, the "Option Shares").

         The Option Shares will vest evenly throughout the Employment Period at
the rate of 2,200 of the Option Shares every 90 days until all Option Shares
have vested. Notwithstanding anything in this Agreement to the contrary, all of
the Option Shares shall immediately vest and be eligible for purchase by
Executive if (i) AAC is merged into or consolidated with any other entity, (ii)
AAC sells all or substantially all of its assets, (iii) more than 30% of the
total number of shares of AAC common stock presently outstanding is transferred
to any party not affiliated with the transferor at any time during the
Employment Period in any transaction or series of transactions, or (iv) this
Agreement expires or Executive's employment is terminated without cause at any
time.

         Executive will have the right to purchase all or any portion of the
number of Option Shares that have vested at any time. The Option may be
exercised at any time and from time to time during the Employment Period and for
a period of 90 days following the expiration of the Employment Period upon
written notice to AAC (the "Option Notice"). The Option Notice must state the
number of Option Shares being purchased and must be accompanied by a check made
payable to AAC in the amount necessary to purchase such shares (the "Exercise
Price").

         Concurrently with AAC's receipt of the Option Notice, AAC will loan
Executive an amount equal to the Exercise Price. Each such loan will be
evidenced by a promissory note which will bear simple interest at the rate of 8%
per annum, and all principal and accrued interest will become all due and
payable in four years. At the conclusion of each year, an amount equal to 25% of
the original principal amount of the loan and all accrued interest will be
forgiven in consideration for the obligations assumed by Executive under this
Agreement and the promissory note will be so reduced.

         AAC will have the right to purchase all, but not less than all, of the
Option Shares acquired by Executive pursuant to this Agreement (the "Repurchase
Shares") at any time within 120 days after termination of the Employment Period
upon written notice to Executive (the "Repurchase Notice"). The purchase price
for all Repurchase Shares will be an amount equal to the amount paid by
Executive for such Shares or the fair value of the Repurchase Shares, whichever
is greater (the "Repurchase Price"). The

                                    EXHIBIT A

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Repurchase Notice will be accompanied by a check made payable to Executive in
the amount of the Repurchase Price. If AAC and Executive cannot mutually agree
upon the value of the Repurchase Shares within 30 days, then such value shall be
determined by the independent appraiser retained by AAC in connection with its
qualified retirement plans and such determination shall be binding upon both AAC
and Executive. In making a determination of fair value, AAC's independent
appraisers will take into account all mergers, consolidations and asset sales
occurring at any time within six months after termination of the Employment
Period which would increase the value of AAC or the value of AAC's common stock.

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                             INCENTIVE COMPENSATION

         1.       Exhibit Controlling. Wherever possible, the provisions of this
Exhibit will be construed consistently with the remainder of the provisions in
this Agreement. However, to the extent that any of the provisions in this
Exhibit may conflict with any of the provisions in the remainder of this
Agreement, the provisions of this Exhibit will be controlling.

         2.       Incentives for FYE 6/30/89. The provisions set forth in the
letter from Cloyd E. Marvin to Ric Brutocao dated 10/31/89 [sic] are
incorporated into this Agreement by this reference. The foregoing incentive will
be cumulative with and in addition to all other incentives granted to Executive.

         3.       Incentives for FYE 6/30/90. The provisions set forth in the
letter from Cloyd E. Marvin to Ric Brutocao dated August 15, 1989 are
incorporated into this Agreement by this reference. The foregoing incentive will
be cumulative with and in addition to all other incentives granted to Executive.

         4.       Incentives for FYE 6/30/91. The provisions set forth in the
letter from Cloyd E. Marvin to Ric Brutocao dated January 24, 1991 are
incorporated into this Agreement by this reference. The foregoing incentive will
be cumulative with and in addition to all other incentives granted to Executive.

         5.       Transaction Incentive. The provisions set forth in the "Action
Taken By A Special Committee of the Board of Directors of Account-A-Call
Corporation" dated May 16, 1990, relative to an acquisition of AAC are
incorporated into this Agreement by this reference.

                  The foregoing incentives will be cumulative with and in
addition to all other incentives granted to Executive.

                                    EXHIBIT B

<PAGE>

                               EXECUTIVE INSURANCE

         1.       Life Insurance.

                  Insurer: _____________________________________________________

                  Type: ________________________________________________________
                        ________________________________________________________
                        ________________________________________________________

                  Death Benefit: _______________________________________________

                  Beneficiary: _________________________________________________

         2.       Long Term Disability Insurance

                  Insurer: _____________________________________________________

                  Type: ________________________________________________________
                        ________________________________________________________
                        ________________________________________________________

                  Benefit: _____________________________________________________
                           _____________________________________________________
                           _____________________________________________________

                  Beneficiary: _________________________________________________

                  Elimination Period: __________________________________________
                                      __________________________________________
                                      __________________________________________

                                   EXHIBIT C<PAGE>

                                                                   EXHIBIT 10.13

                      NOTE AND WARRANT PURCHASE AGREEMENT

         This NOTE AND WARRANT PURCHASE AGREEMENT (this "Agreement") is entered
into as of_______________, 2003, by and among Centergistic Solutions, Inc., a
California corporation (the "Borrower"), and the persons and/or entities listed
on Schedule 1 hereto (collectively, the "Lenders").

                                    RECITALS

         (i)      The Borrower desires to borrow from the Lenders at least
$100,000, but no more than $250,000 in the sole discretion of the Borrower), in
order to meet its needs for the capital requirement for the filing of a
registration statement under the Securities Act of 1933, as amended, and the
trading of the Common Stock on the OTC Bulletin Board.

         B.       Each of the Lenders desires to make a loan (a "Loan") in the
amount set forth opposite its name on Schedule 1 hereto in exchange for a
convertible subordinated promissory note (a "Note") to be issued by the Borrower
in substantially the form of Exhibit A hereto in the principal amount of such
Lender's Loan. Each Note, excluding all accrued interest, shall be convertible
into shares of Common Stock of the Borrower (the "Common Stock"), as provided in
this Agreement.

         C.       In consideration of the making of the Loans by the Lenders,
the Borrower desires to issue to the Lenders warrants ("Warrants") in
substantially the form of Exhibit B hereto entitling the holder to purchase
shares of the Common Stock.

                                    AGREEMENT

         In consideration of the foregoing recitals and the mutual promises and
covenants contained in this Agreement, the parties to this Agreement agree as
follows:

         1.       Loans and Conversion.

                  (a)      Making of Loan and Issuance of Note. Upon the terms
and subject to the conditions contained herein, each of the Lenders shall make a
Loan to the Borrower in the amount indicated opposite such Lender's name on
Schedule 1 hereto, and the Borrower agrees to issue and sell to each Lender a
Note in the principal amount of such Loan.

                  (b)      Optional Conversion of Notes. The principal amount of
each of the Notes shall be convertible at any time, at the option of the holder
thereof, into shares of Common Stock at the conversion price of $3.18 per share,
as adjusted pursuant to Section l(d) (the "Conversion Price"). Any Lender
wishing to convert his Note shall notify the Borrower in writing. Not later than
ten (10) business days after delivery of such notice, the Lender shall surrender
his Note in exchange for shares of Common Stock of the Borrower into which his
Note is being converted, plus cash equal to all accrued but unpaid interest to
the date of conversion.

                  (c)      Automatic Conversion of Notes. The principal amount
of each of the Notes shall be automatically convertible into shares of Common
Stock at the Conversion Price upon the earlier of the following events:

<PAGE>

                           (i)      The first anniversary of the date hereof; or

                           (ii)     The date thirty (30) days from the effective
date of a registration statement filed by the Borrower under the Securities Act
of 1933, as amended, and the trading of the Common Stock on the OTC Bulletin
Board.

                  (d)      The Conversion Price will be subject to adjustment as
follows:

                           (i)      If at any time after the date hereof the
number of shares of Common Stock outstanding is increased by a stock dividend
payable in shares of Common Stock or by a subdivision or split-up of shares of
Common Stock, then, on the record date of such stock dividend, subdivision, or
split-up, the Conversion Price shall be appropriate decreased.

                           (ii)     If at any time after the date hereof the
number of shares of Common Stock outstanding is decreased by a combination of
the outstanding shares of Common Stock, then, on the effective date of such
combination, the Conversion Price shall be appropriately increased.

         2.       Issue and Sale of Warrants. The Borrower shall issue and
deliver to each Lender in connection with each Loan a Warrant representing the
right to purchase, for a price of $3.18 per share (the "Exercise Price"), the
number of shares of Common Stock equal to the product of (i) 0.06 multiplied by
(ii) the principal amount of the Note held by such Lender divided by $3.18,
rounded upward to the next whole share in the case of any fractional share.

         3.       Subordination. The Notes shall be subordinate to all of the
following indebtedness of the Borrower, whether in existence as of the date
hereof or subsequently incurred: (i) indebtedness for borrowed money from
financial institutions or other commercial lenders, (ii) lease or purchase money
indebtedness incurred in arm's length transactions in the ordinary course of
business for equipment, supplies, inventory, software, furniture and fixtures;
(iii) unsecured obligations incurred, currently payable and paid by the Borrower
in the ordinary course of business; and (iv) any other indebtedness approved in
writing by Lenders holding a majority of the principal amounts of the Notes.
Each Lender agrees to take such actions, and execute, acknowledge and deliver
such documents or instruments, as are reasonably requested by the Borrower, as
may be necessary or proper to effectuate and carry out the purposes of this
Section 3 and the subordination to the indebtedness listed above.

         4.       Representations and Warranties of the Borrower. The Borrower
hereby represents and warrants to the Lenders as follows:

                  (a)      Organization. The Borrower (i) is a corporation duly
organized, validly existing and in good standing under the laws of the State of
California and (ii) has all requisite power and authority to carry on its
business, to own and hold its properties and assets, to enter into and perform
this Agreement and to issue and carry out the provisions of the Notes and the
Warrants.

                  (b)      Authorization. The execution, delivery and
performance by the Borrower of this Agreement, the Notes and the Warrants have
been duly and validly authorized by the Borrower's Board of Directors. This
Agreement, the Notes and the Warrants constitute

                                       2
<PAGE>

the legal, valid and binding obligations of the Borrower, and each is
enforceable against the Borrower in accordance with its respective terms, except
as such enforcement may be limited by bankruptcy, insolvency and other similar
laws affecting the enforcement of creditors' rights generally.

                  (c)      Capitalization. The authorized capital stock of the
Borrower consists of 10,000,000 shares of Common Stock. As of the date hereof,
1,152,677 shares of Common Stock and warrants and options to purchase 876,350
shares of Common Stock have been issued and are outstanding. Except as otherwise
provided for in this Agreement, there are no outstanding preemptive, conversion
or other rights, subscriptions, options, warrants, calls, contracts, demands,
commitments, convertible or exchangeable securities or other instruments,
agreements or arrangements of any character or nature whatever issued by or
binding upon the Borrower for the purchase or acquisition of any shares of its
capital stock.

                  (d)      No Conflict. The execution, delivery and performance
by the Borrower of this Agreement and the issuance of the Notes and Warrants:
(i) will not conflict with, result in a breach of or constitute a default under
any contract, agreement, indenture, loan or credit agreement, deed of trust,
mortgage, lease, security agreement or other arrangement to which the Borrower
is a party or by which the Borrower or any of its properties or assets is bound
or affected; (ii) will not cause the Borrower to violate or contravene any
provision of its Articles of Incorporation or Bylaws; or (iii) require any
authorization, consent, approval, permit, exemption or other action by or notice
to any court or administrative or governmental body pursuant to the Articles of
Incorporation or Bylaws of the Borrower, any law, statute, rule or regulation to
which the Borrower is subject or any agreement, instrument, order, judgment or
decree to which the Borrower is subject, except as may be required for notice of
actions relating to subject offering.

                  (e)      Conversion Stock. All of the shares of Common Stock
issuable upon conversion of the Notes have been duly authorized and reserved for
issuance and, upon payment therefor and issuance thereof in accordance with the
terms of the Notes, will be duly authorized, validly issued, fully paid and
nonassessable.

                  (f)      Warrants Stock. All of the shares of Common Stock
issuable upon exercise of the Warrants have been duly authorized and reserved
for issuance and, upon payment thereon and issuance thereof in accordance with
the terms of the Warrants, will be duly authorized, validly issued, fully paid
and nonassessable.

                  (g)      Litigation. There are no actions, proceedings or
investigations pending or, to Borrower's knowledge, threatened, or verdicts or
judgments entered against Borrower, its officers or directors or shareholders
before any court or before any administrative agency or officer.

         5.       Restrictions on Transfer and Lender Representations. In
acquiring the Notes, Warrants, and any shares of Common Stock issued upon
conversion of the Notes or exercise of the Warrants (collectively, the
"Securities"), each Lender makes the following representations and warranties to
and agrees with, the Borrower as follows:

                                       3
<PAGE>

                  (a)      Such Lender is aware of the following:

                           (i)      This investment has significant risks
including, but not limited to, the risk factors discussed in the Borrower's
Business Plan which has been furnished to such Lender;

                           (ii)     This investment is highly speculative, and
such Lender could lose such Lender's entire investment in the Securities without
any return;

                           (iii)    There is no market, public or otherwise, for
the Securities, and it may be impossible to liquidate such Lender's investment;

                           (iv)     No federal or state agency has made any
findings as to the fairness of the terms of such Lender's investment; and

                           (v)      Any projections or predictions that may have
been made available to such Lenders are based on estimates, assumptions and
forecasts which may prove to be incorrect; and no assurance is given that actual
results will correspond with the results contemplated by the various
projections.

                  (b)      At no time has it been explicitly or implicitly
represented, guaranteed or warranted to such Lender by the Borrower, the agents
and employees of the Borrower, or any other person: (i) that such Lender will or
will not have to remain as owner of the Securities an exact or approximate
length of time; (ii) that a percentage of profit and/or amount or type of
consideration will be realized as a result of this investment; or (iii) that any
specific tax benefits will accrue as a result of an investment in the
Securities.

                  (c)      Such Lender has received and carefully read and is
familiar with the Business Plan, and such Lender confirms that (i) all
documents, records and books pertaining to the investment in the Borrower have
been made available to such Lender and/or to such Lender's personal investment,
tax and legal advisers, if such advisers were utilized by such Lender; and (ii)
such Lender or its advisers have had an opportunity to discuss the Borrower's
business, management, financial affairs and prospects with the Borrower's
management.

                  (d)      Such Lender has relied only on the information
contained in the Business Plan, and no written or oral representation or
information that is in any way inconsistent with the Business Plan has been made
or furnished to such Lender.

                  (e)      Such Lender acknowledges that the Business Plan only
reflects the Borrower's current intentions and estimates at the current time
and, as with any developing company, the precise elements of the Borrower's
plans can be expected to change from time to time.

                  (f)      At no time was such Lender presented with or
solicited by any leaflet, public promotional meeting, newspaper or magazine
article, radio or television advertisement or any other form of advertising or
general solicitation.

                                       4
<PAGE>

                  (g)      Such Lender has been advised to consult with such
Lender's personal investment, tax and legal advisers regarding an investment in
the Borrower and has done so to the extent such Lender considers necessary.

                  (h)      Such Lender certifies, under penalty of perjury, (i)
that the social security or tax identification number of such Lender set forth
on Schedule 1 attached hereto is true, correct and complete, and (ii) that such
Lender is not subject to backup withholding either because such Lender has not
been notified that such Lender is subject to backup withholding as a result of a
failure to report all interest or dividends, or the Internal Revenue Service has
notified such Lender that such Lender is no longer subject to backup
withholding.

                  (i)      Such Lender understands that the Securities will be
issued by the Borrower without registration under the Securities Act of 1933, as
amended (the "Act"), and without qualification and/or registration under
applicable state securities laws pursuant to specific exemptions from
registration and/or qualification contained in the Act and in applicable state
securities laws. Such Lender understands that the foregoing exemptions depend
upon, among other things, the bona fide nature of his investment intent as
expressed herein.

                  (j)      Such Lender agrees that none of the Securities, nor
any interest in the Securities, will be sold, transferred, or otherwise disposed
of by him without registration and/or qualification under the Act and applicable
state securities laws unless such Lender first demonstrates to the satisfaction
of the Borrower that specific exemptions from such registration and
qualification requirements are available with respect to such resale or
disposition or provides the Borrower an opinion of counsel satisfactory to the
Borrower that a contemplated transfer may be made without violation of the Act
and applicable state securities laws, and the Securities to be issued to such
Lender will contain a legend to that effect.

                  (k)      Such Lender is acquiring the Securities for
investment purposes only, for such Lender's own account, and not as nominee or
agent for any other person, and not with a view to, or for resale in connection
with, any distribution thereof within the meaning of the Act.

                  (l)      Such Lender is an "accredited investor" within the
meaning of Rule 501 of Regulation D promulgated under the Act.

                  (m)      Such Lender either has a pre-existing personal or
business relationship with the Borrower or any of its officers, directors of
controlling persons, or by reason of such Lender's business or financial
experience or the business or financial experience of his professional advisor
who is unaffiliated with and who is not compensated by the Borrower or any
affiliated or selling agent of the Borrower, directly or indirectly, has the
capacity to protect his own interests in connection with the subject
transactions.

                  (n)      Such Lender, whether corporate or otherwise, has all
requisite power and authority to carry on its business, to enter into and
perform this Agreement.

                                       5
<PAGE>

         6.       Default.

                  (a)      Events of Default. The occurrence of any of the
following events shall be an event of default under this Agreement and the
Notes ("Events of Default"):

                           (i)      A default in payment of any principal of or
interest on the Notes which remains uncured for a period of more than fifteen
(15) days;

                           (ii)     If default shall be made in the due and
punctual performance or observance of any non-payment term, condition or
covenant contained in this Agreement or the Notes and such default continues
unremedied for a period of thirty (30) days after written notice to the Borrower
by any Lender, or if any representations or warranties of the Borrower contained
in this Agreement is untrue or inaccurate in any material respect as of the date
on which such representation or warranty is made;

                           (iii)    If the Borrower ceases to carry on business
on a regular basis;

                           (iv)     If the Borrower: (A) becomes unable to pay
its debts generally as they become due; (B) makes an assignment for the benefit
of its creditors; (C) files a voluntary petition in bankruptcy, or a petition or
an answer seeking reorganization or an arrangement with creditors or to take
advantage of any bankruptcy, reorganization, insolvency, readjustment of debts,
dissolution or liquidation law or statute; or

                           (v)      the commencement against the Borrower of any
proceeding of the type referred to in clause (C) of subsection (iv) above, which
shall not be dismissed within sixty (60) days after commencement.

Upon an Event of Default, at the option of any holder of a Note, the Note,
together with all accrued but unpaid interest, shall become immediately due and
payable.

         7.       Borrower Registration.

                  (a)      The terms "register," "registered" and "registration"
refer to a registration effected by preparing and filing a registration
statement in compliance with the Act, and the declaration or ordering of the
effectiveness of such registration statement.

                  (b)      If at any time, or from time to time, the Borrower
proposes to register any of its securities, for its own account or the account
of any of its shareholders, other than a registration relating solely to
employee stock option or purchase plans, or the distribution of securities of
the Borrower in a merger or acquisition, the Borrower will:

                           (i)      promptly give to each Lender written notice
thereof; and

                           (ii)     use its commercially reasonable efforts to
include in such registration (and any related qualification under blue sky laws
or other compliance), and in any underwriting involved therein, all the Common
Stock specified in a written request or requests, made within 30 days after
receipt of such written notice from the Borrower, by any Lender or

                                       6
<PAGE>

Lenders to be included in any such registration, except as set forth in Section
7(c) below. For purposes of Sections 7 through 10 of this Agreement, "Common
Stock" shall include any shares of Common Stock issued or issuable upon
conversion of the Notes or exercise of the Warrants.

                  (c)      If the registration of which the Borrower gives
notice is for a registered public offering involving an underwriting, the
Borrower will so advise the Lenders. In such event, the right of any Lender to
registration will be conditioned upon such Lender's participation in such
underwriting and the inclusion of such Lender's Common Stock in the underwriting
to the extent provided in this Agreement. All Lenders proposing to distribute
their securities through such underwriting will (together with the Borrower and
the other holders distributing their securities through such underwriting) enter
into an underwriting agreement in customary form with the underwriter or
underwriters selected for such underwriting by the Borrower. If the underwriter
determines that marketing factors require a limitation of the number of shares
to be underwritten, the underwriter may limit the number of shares of Common
Stock to be included in the registration and underwriting. In the event of a
cutback by the underwriters of the number of shares to be included in the
registration and underwriting, the Borrower will advise all Lenders and all
others holding shares of stock which would otherwise be registered and
underwritten pursuant to this Agreement or any other agreement, and the number
of shares that may be included in the registration and underwriting will be
allocated among all of such holders pro rata according to the number of shares
owned by such holders. If any Lender disapproves of the terms of any such
underwriting, he may elect to withdraw therefrom by written notice to the
Borrower and the underwriter. Any Common Stock excluded or withdrawn from such
underwriting will be withdrawn from such registration. In any case, any cutbacks
required to be made by the underwriters in the number of shares to be included
in the offering, shall first be applied against selling shareholder shares so as
to maximize the number of new share issuances by the Company.

         8.       Expenses of Registration; Indemnification.

                  (a)      All reasonable expenses incurred in connection with
any registration, qualification or compliance pursuant to this Agreement,
including, without limitation, all registration, filing and qualification fees,
printing expenses, fees and disbursements of counsel for the Borrower and the
Lenders and expenses of any special audits incidental to or required by such
registration, will be borne by the Borrower except that the Borrower will not be
required to pay fees of legal counsel of a Lender, except for reasonable fees of
a single counsel acting on behalf of all shareholders exercising registration
rights in a registration pursuant to Section 7 hereof, or underwriters' fees,
discounts or commissions relating to Common Stock being sold by the Lenders.

                  (b)      In the event of the filing of any registration
statement under the Act with respect to the Common Stock pursuant to this
Agreement, the Borrower will indemnify and hold harmless each Lender
participating in such registration and each other person or entity (a "Person"),
if any, who controls each such Lender within the meaning of the Act, against any
losses, claims, damages or liabilities, joint or several, to which each such
Lender or controlling Person may become subject under the Act or otherwise,
insofar as such losses, claims, damages or liabilities (or actions in respect
thereof) arise out of or are based upon any untrue statement or alleged untrue
statement of any material fact contained, on the effective date thereof, in any

                                       7
<PAGE>

registration statement under which the securities were registered under the Act,
any preliminary prospectus or final prospectus contained therein, or any
amendment or supplement thereto, or arise out of or are based upon the omission
or alleged omission to state therein a material fact required to be stated
therein or necessary to make the statements therein not misleading, or arise out
of or are based upon the failure by the Borrower to file any amendment or
supplement thereto that was required to be filed under the Act, and will
reimburse each such Lender and each such controlling Person for any legal or any
other expenses reasonably incurred by each such Lender and each such controlling
Person in connection with investigating or defending any such loss, claim,
damage, liability or action; provided, however, that the Borrower will not be
liable in any such case to the extent that any such loss, claims, damage or
liability arises out of or is based upon (i) an untrue statement or alleged
untrue statement or omission or alleged omission made in such registration
statement, preliminary prospectus, final prospectus or amendment or supplement
in reliance upon and in conformity with written information furnished to the
Borrower through an instrument duly executed by any such Lender specifically for
use in the preparation thereof; or (ii) any such Lender's failure to deliver a
copy of such registration statement, preliminary prospectus, final prospectus or
amendment or supplement after the Borrower has furnished such Lender with a
sufficient number of copies of the same.

                  (c)      It shall be a condition precedent to the obligation
of the Borrower to take any action pursuant to the registration rights
provisions of this Agreement that the Borrower shall have received an
undertaking satisfactory to it from each Lender participating in such
registration to indemnify and hold harmless (in the same manner and to the same
extent as set forth in the preceding subparagraph of this section) the Borrower,
each director of the Borrower, each officer of the Borrower who shall sign such
registration statement, any Persons who control the Borrower within the meaning
of the Act and any underwriter of such offering, with respect to any statement
or omission from such registration statement, preliminary prospectus or any
final prospectus contained therein, or any amendment or supplement thereto, if
such statement or omission was made in reliance upon and in conformity with
written information furnished to the Borrower through an instrument duly
executed by any such Lender specifically for use in the preparation of such
registration statement, preliminary prospectus or amendment or supplement.

                  (d)      Promptly after receipt by an indemnified party of
notice of the commencement of any action involving a claim referred to above,
such indemnified party will, if a claim in respect thereof is to be made against
any indemnifying party, give written notice to the indemnifying party of the
commencement of such action. In case any such action is brought against an
indemnified party, the indemnifying party will be entitled to participate in and
to assume the defense thereof, jointly with any other indemnifying party
similarly notified, to the extent that it may wish, with counsel reasonably
satisfactory to such indemnified party, and after notice from the indemnifying
party to such indemnified party of its election so to assume the defense
thereof, the indemnifying party will not be liable to such indemnified party for
any legal or other expenses subsequently incurred by the indemnified party in
connection with the defense thereof.

                                       8
<PAGE>

         9.       Termination of Registration Rights; Amendments.

                  (a)      The registration rights set forth in this Agreement
shall terminate as to each Lender upon the earlier of (i) such time as all of
the Common Stock has been sold by such Lender; and (ii) such time as all of the
Common Stock held by such Lender could be sold within a 90-day period under Rule
144 of the Act.

                  (b)      The provisions of Sections 7 through 10 of this
Agreement may be amended, waived, discharged or terminated, and the Borrower may
take any action therein prohibited or omit to perform any act therein required
to be performed by it, upon the written consent of the holders of a majority of
the shares of Common Stock then entitled to registration rights under such
provisions.

         10.      Registration Procedures. In the case of each registration,
qualification, or compliance effected by the Borrower pursuant to this
Agreement, the Borrower will keep each Lender participating therein advised in
writing as to the initiation of each registration, qualification and compliance,
and as to the completion thereof. At its expense the Borrower will:

                  (a)      Keep such registration, qualification, or compliance
effective for a period of 180 days or until the Lender or Lenders have completed
the distribution described in the registration statement relating thereto,
whichever first occurs; and

                  (b)      Furnish to the Lenders such numbers of copies of a
prospectus, including a preliminary prospectus, in conformity with the
requirements of the Act, and such other documents as they may reasonably request
in order to facilitate the disposition of the Common Stock owned by them; and

                  (c)      Notify each Lender holding Common Stock covered by
such registration statement at any time when a prospectus relating thereto is
required to be delivered under the Act or the happening of any event as a result
of which the prospectus included in such registration statement, as then in
effect, includes an untrue statement of a material fact or omits to state a
material fact required to be stated therein or necessary to make the statements
therein not misleading in the light of the circumstances then existing; and

                  (d)      Furnish, at the request of any Lender requesting
registration of Common Stock pursuant to this Agreement, on the date that such
Common Stock is delivered to the underwriters for sale in connection with a
registration pursuant to this Agreement, if such securities are being sold
through underwriters, or, if such securities are not being sold through
underwriters, on the date that the registration statement with respect to such
securities becomes effective, (i) a copy of an opinion, dated such date, of the
counsel representing the Borrower for the purposes of such registration, in form
and substance as is customarily given to underwriters in an underwritten public
offering, addressed to the underwriters, if any, and (ii) a copy of a letter
dated such date, from the independent certified public accountants of the
Borrower, in form and substance as is customarily given by independent certified
public accountants to underwriters in an underwritten public offering, addressed
to the underwriters, if any.

                                       9
<PAGE>

         11.      Market Stand-Off. Each Lender hereby agrees that such Lender
shall not sell, transfer, make any short sale of, grant any option for the
purchase of, or enter into any hedging or similar transaction with the same
economic effect as a sale, any Common Stock (or other securities) of the
Borrower held by such Lender (other than those included in the registration) for
a period specified by the representative of the underwriters of Common Stock (or
other securities) of the Company not to exceed one hundred eighty (180) days
following, and for a period (not to exceed 7 days) immediately prior to, the
effective date of any registration statement; provided, however, that all
officers and directors of the Borrower and holders of at least five percent (5%)
(or such lesser percentage as may be required by the Borrower's underwriters to
give a similar lock-up) of the Borrower's voting securities enter into similar
agreements. Each Lender further agrees to enter into any agreement reasonably
required by the underwriters to implement the foregoing within any reasonable
timeframe so requested. The Borrower may impose stop-transfer instructions with
respect to the shares of Common Stock (or other securities) subject to the
foregoing restriction until the end of said one hundred eighty (180) day period.
Each Lender agrees that any transferee of any securities by Borrower held by
such Lender shall be bound by this Section 11.

         12.      Severability. In the event any provision of this Agreement
shall finally be determined to be unlawful, such provision shall be deemed to be
severed from this Agreement and every other provision of this Agreement shall
remain in full force and effect.

         13.      Indemnification by Lenders. Each of the Lenders shall
indemnify, defend and hold harmless the Borrower, and any officers, employees,
shareholders, partners, agents, directors or controlling persons of the Borrower
(collectively the "Indemnified Parties" and individually an "Indemnified Party")
who was or is a party or is threatened to be made a party to any threatened,
pending or completed action, suit or proceeding, whether civil, criminal,
administrative or investigative, against losses, liabilities and expenses of
each Indemnified Party (including attorneys' fees, judgments, fines and amounts
paid in settlement, payable as incurred) incurred by such person or entity in
connection with such action, arbitration, suit or proceeding, by reason of or
arising from (i) any material misrepresentation or misstatement of facts or
omission to represent or state facts made by such Lender, including, without
limitation, the information in this Agreement, or (ii) litigation or other
proceeding brought by such Lender against one or more Indemnified Party wherein
the Indemnified Party is the prevailing party.

         14.      Attorneys' Fees. In the event any action in law or equity,
arbitration or other proceeding is brought for the enforcement of this Agreement
or in connection with any of the provisions of this Agreement, the prevailing
party or parties shall be entitled to its reasonable attorneys' fees and other
costs reasonably incurred in such action or proceeding.

         15.      Notices. Any notice to be given hereunder shall be given
(except as otherwise expressly set forth herein) by registered or certified
mail, postage prepaid, or by facsimile, or may be delivered by hand or by
messenger and shall be deemed to have been received as follows: if given by
registered or certified mail, five business days after posting; if given by
facsimile, upon receipt of verification of successful transmission; and if
delivered by hand or by messenger and receipted for by or on behalf of the party
to whom the notice is directed, at the time of such delivery. Any notice to any
party shall be sent to the address

                                       10
<PAGE>

provided below the signature hereon of such party or to such other address as
the relevant party may notify to the other.

         16.      Entire Agreement. This Agreement and the exhibits hereto
contain all of the agreements between the parties with respect to the matters
contained herein and supersedes all prior written or oral and all
contemporaneous oral agreements or understandings between the parties pertaining
to any such matters.

         17.      Modification. Any term of this Agreement may be amended and
the observance of any term of this Agreement may be waived (either generally or
in a particular instance and either retroactively or prospectively), with the
written consent of the Borrower and the holders of at least fifty-one percent
(51%) of the aggregate principal amount of the Notes then outstanding. Any
amendment or waiver effected in accordance with this section shall be binding
upon all parties to this Agreement, including without limitation, any Lenders
who may not have executed such amendment or waiver, and/or any holder of Common
Stock that the holder of any Warrant is entitled to receive upon the exercise of
such Warrant, even if such Lender or future holder has not executed such
amendment or waiver.

         18.      Controlling Law. This Agreement shall be governed by,
interpreted under, and construed and enforced in accordance with the laws of the
State of California.

         19.      Facsimile Signatures. This Agreement and any other document or
agreement executed in connection herewith (other than the Notes and any document
for which an originally executed signature page is required by applicable law)
may be executed by delivery of a facsimile copy of an executed signature page
with the same force and effect as the delivery of an originally executed
signature page.

         20.      Counterparts. This Agreement may be executed in counterparts,
each of which shall be an original but all of which shall constitute one and the
same instrument.

                                    "BORROWER"

                                    CENTERGISTIC SOLUTIONS, INC., a
                                    California corporation

                                    By: ________________________________

                                    Name: ______________________________

                                    Address: ___________________________
                                             ___________________________
                                             ___________________________

                                       11
<PAGE>

         The foregoing Agreement is hereby accepted as of the date first written
above.

                                   INDIVIDUALS

Name of Lender:                 ________________________________________________

Authorized Signature:           ________________________________________________

Exact Name in which Note and
    Shares are to be Issued:    ________________________________________________

Amount of Loan:                 ________________________________________________

Social Security Number:         ___________    ____________    _________________

Address:                        ________________________________________________

                                ________________________________________________

                                ________________________________________________

Telephone: (___) _____-_____    Fax: (___) _____-_____

                                    ENTITIES

Name of Lender:                 ________________________________________________

Authorized Signature:           ________________________________________________

Title:                          ________________________________________________

Exact Name in which Note and
    Shares are to be Issued:    ________________________________________________

Amount of Loan:                 ________________________________________________

Taxpayer Identification Number: ____________    ________________     ___________

Address:                        ________________________________________________

                                ________________________________________________

                                ________________________________________________

Telephone: (___) _____-_____    Fax: (___) _____-_____

                                       12
<PAGE>

                                    EXHIBIT A

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933 AND HAS BEEN
TAKEN FOR INVESTMENT PURPOSES ONLY AND NOT WITH A VIEW TO THE DISTRIBUTION
THEREOF, AND THIS NOTE MAY NOT BE SOLD OR TRANSFERRED UNLESS THERE IS AN
EFFECTIVE REGISTRATION STATEMENT UNDER SUCH ACT COVERING IT OR THE BORROWER
RECEIVES AN OPINION OF COUNSEL SATISFACTORY TO THE BORROWER STATING THAT SUCH
SALE OR TRANSFER IS EXEMPT FROM THE REGISTRATION AND PROSPECTUS DELIVERY
REQUIREMENTS OF SUCH ACT, OR HOLDER OTHERWISE DEMONSTRATES TO THE SATISFACTION
OF THE BORROWER THAT SPECIFIC EXEMPTIONS FROM SUCH REGISTRATION REQUIREMENTS ARE
AVAILABLE.

                    CONVERTIBLE SUBORDINATED PROMISSORY NOTE

                                                          ________________, 2003

Payee:            _____________________

Address:          _____________________

                  _____________________

                  _____________________

Principal Amount: $____________________

         FOR VALUE RECEIVED, Centergistic Solutions, Inc., a California
corporation ("Maker"), hereby promises to pay on or before July 31, 2004 (as
defined below) to payee above named (the "Payee"), at the address set forth
above, or such other place(s) as the Payee of this Note shall from time to time
designate, the principal sum set forth above; plus simple interest from the date
hereof at the rate of 6% per annum, such interest payable in arrears on February
1, 2004, May 1, 2004, and August 1, 2004. This Note is issued pursuant to that
certain Loan and Warrant Purchase Agreement dated as of______________________,
2003, (the "Agreement") by and among Maker and the persons listed on Schedule 1
thereto and is subject to and entitled to the benefits of the Agreement. All
capitalized terms not otherwise defined herein shall have the meaning set forth
in the Agreement.

         All unpaid principal and any accrued but unpaid interest on this Note
shall be due and payable on September 15, 2004 (the "Maturity Date").

         All principal, or any portion thereof, on this Note is convertible into
shares of Common Stock of the Maker, all as provided in the Agreement. Maker
agrees that Payee shall be entitled to the registration rights set forth in
Sections 7 through 10 of the Agreement with respect to any shares of Common
Stock of Maker receives upon conversion of this Note.

         This Note is subordinated to that certain indebtedness of Maker as set
forth in Section 3 of the Agreement.

         Payment of principal and interest shall be made in lawful money of the
United States of America. Maker shall have the right to prepay without penalty
all or any part of the

                                      A-1
<PAGE>

unpaid balance of this Note at any time; provided that Maker shall give the
holder at least twenty (20) days prior written notice of such prepayment and the
holder shall continue to have the right to convert this Note during such
twenty-day period. Payments shall be applied first against the accrued interest
and then against outstanding principal.

         Notwithstanding anything in this Note to the contrary, the entire
unpaid principal amount of this Note, together with all accrued but unpaid
interest thereon and other unpaid charges hereunder, will become immediately due
and payable without further notice at the option of Payee upon the occurrence of
an Event of Default (as defined in the Agreement).

         Maker agrees to pay all costs of collection thereof, including
reasonable attorney's fees, whether or not suit or action is commenced to
enforce payment of this Note. Presentment for payment, demand, notice or
dishonor and protest and notice of protest and nonpayment are hereby waived by
Maker.

         This Note will be interpreted in accordance with the laws of the State
of California, including all matters of construction, validity, performance and
enforcement, without giving effect to the principles of conflict of laws. Any
dispute, action, litigation or other proceeding concerning this Note will be
resolved exclusively in Orange County, California, for such purpose.

         All rights, remedies, and undertakings, obligations, options,
covenants, conditions and agreements contained in this Note and the Agreement
are cumulative and no one of them will be exclusive of any other. Any notice to
any party concerning this Note will be delivered as set forth in the Agreement.
The Note may not be changed, modified, amended or terminated, except in writing
by both Payee and Maker.

         In the event that this Note shall require the payment of interest in
excess of the maximum amount permissible under applicable law, Maker's
obligations hereunder shall automatically and retroactively be deemed reduced to
the highest maximum amount permissible under applicable law. In the event Payee
receives as interest an amount that would exceed such maximum applicable rate,
the amount of any excess interest shall not be applied to the payment of
interest hereunder, but shall automatically and retroactively be applied to the
reduction of the unpaid principal balance due hereunder. In the event and to the
extent such excess amount of interest exceeds the outstanding unpaid principal
balance hereunder, any such excess amount shall be immediately returned to Maker
by Payee.

                                    "MAKER"

                                    CENTERGISTIC SOLUTIONS, INC., a California
                                    corporation

                                    By: _____________________________________

                                    Its: ____________________________________

                                      A-2

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