Document:

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                                                                  EXHIBIT 10.18

                                                                               1

                                 LEASE AGREEMENT

        THIS LEASE AGREEMENT (the "Lease") made and entered into as of the 1st
day of November, 1999, by and between HISTORIC VANDERBILT MEDICAL SCHOOL
BUILDING, INC., a Tennessee corporation, hereinafter ("Landlord"); and
SOLUTIONSAMERICA, INC., a Tennessee corporation, hereinafter ("Tenant");

                                  WITNESSETH:

        In consideration of the mutual covenants and agreements contained
herein, the parties agree for themselves, their successors, and assigns, as
follows:

        1. DESCRIPTION OF PREMISES. Landlord hereby leases to Tenant and Tenant
hereby accepts and rents from Landlord, those certain offices: the second floor
known as the Lobby area, of the Building at 631 Second Avenue, South, Nashville,
Tennessee, (the "Building") described on Exhibit "A" attached hereto (the
Building and the Land are herein collectively called the "Property"); together
with the nonexclusive right to use all parking areas, driveways, sidewalks and
other common facilities furnished by Landlord from time to time in the Property.

        2. TERM. The term of this lease shall be as follows:

                 Commencement shall be on November 1, 1999 through December 31,
                 2000 with an option to renew for one year thereafter.

        3. RENTAL COMMENCEMENT DATE. The rental commencement date will be
November 1, 1999.

        4. RENTAL. During the full term of this Lease, Tenant shall pay to
Landlord, without notice, demand, reduction, setoff or any defense, a total
rental (the "Annual Rental") consisting of the sum total of the following:

        (a) Annual Base Rental. Tenant agrees to pay to Landlord as minimum rent
("Minimum Rent"):

                The minimum rent for all the space set forth on Exhibit A will
                be Eight Hundred ($800) Dollars monthly.

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Tenant agrees to pay the monthly rent, without notice or demand, in advance, on
or before the first day of each month during the term of this Lease. If the
Commencement Date is a date other than the first day of a calendar month, the
rent shall be prorated daily from such date to the first day of the next
calendar month and paid on the Commencement Date.

        (b) Tenant's Share of Common Area Maintenance. Tenant will pay its
proportionate share of building expenses for the reasonable operation management
and maintenance costs for the property as set forth in Exhibit C.

        As used in this paragraph and elsewhere in this Lease, the term "Lease
Year" shall mean each calendar year falling in whole or in part within the term,
of this Lease, including the calendar year in which this Lease terminates.

        5. INITIAL RENT AND SECURITY DEPOSIT. There will be no security deposit.

        6. ALTERATIONS AND IMPROVEMENTS BY TENANT. Any structural changes or
other material alterations, additions, or improvements made to the Premises by
Tenant shall be subject to the prior written consent of Landlord, which consent
shall not be unreasonably withheld or delayed, and further, such alterations,
additions or improvements shall be made by a contractor or contractors selected
or approved in writing by Landlord. All alterations, additions or improvements,
including without limitation, all walls, railings, carpeting, floor and wall
coverings and other permanent real estate fixtures (excluding, however, Tenant's
trade fixtures as described in the paragraph entitled "Trade Fixtures and
Equipment" below) made by, for, or at the direction of Tenant, shall when made,
become the property of Landlord and shall remain upon the Premises at the
expiration or earlier termination of this Lease.

        7. USE OF PREMISES. Tenant shall use the Premises only for purposes of
offices and for no other purpose, and such use shall comply with all laws,
ordinances, orders, regulations or zoning classifications of any lawful
governmental authority, agency or other public or private regulatory authority
(including insurance underwriters or fines, costs, expenses, or damages
resulting from failure to so comply. Tenant shall not do any act or follow any
practice relating to the Premises which shall constitute a nuisance or detract
in any way from the reputation of the Property as a first class real estate
development.

        Tenant's use of the Premises shall be in strict compliance with the
rules and regulations of Landlord which are attached hereto as Exhibit B and
incorporated herein by this reference.

        8. TAXES. Tenant shall pay any taxes or assessments of any nature
imposed or assessed upon its trade fixtures, equipment, machinery, inventory,
merchandise or other personal property located on the Premises and owned by or
in the custody of Tenant as promptly as all such taxes or assessments may become
due and payable without any delinquency. Landlord shall pay all ad valorem
property taxes which are now or hereafter assessed upon the Property and the
Premises, except as otherwise expressly provided in the Lease.

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        9. FIRE AND EXTENDED COVERAGE INSURANCE. Landlord shall maintain and pay
for such insurance which Landlord deems advisable including, without limitation,
fire insurance, with extended coverage, covering the Property equal to ninety
percent (90%) of the insurable value (i.e., the replacement cost, less
depreciation) thereof. Provided, if Tenant uses the Premises for any purpose or
in any manner which causes an increase in Landlord's insurance rates, Tenant
shall pay such additional premium within thirty (30) days after demand from
Landlord in addition to all other payments due under this Lease. Tenant shall
maintain and pay for all fire and extended coverage insurance on its contents in
the Premises, including trade fixtures, equipment, machinery, merchandise or
other personal property belonging to or in the custody of Tenant, and such
insurance shall be carried with a company or companies reasonably acceptable to
Landlord.

        10. TENANT'S COVENANT TO REPAIR AND MAINTAIN. At the end of the term of
this Lease, Tenant shall return the Premises to Landlord in as good condition as
they were when received, excepting only normal wear and tear, acts of God and
repairs required to be made by Landlord hereunder.

        11. FIRE OR OTHER CASUALTY. In the event that the Premises or any other
part of the Property affording access to the Premises are damaged by any
casualty so that rebuilding or repairs cannot be completed within one hundred
eighty (180) days after the date of such damage, Landlord may at its option
terminate this Lease, in which event the Rent shall be abated during the
unexpired portion of this Lease effective with the date of such damage.

        12. MUTUAL WAIVER OF SUBROGATION. For the purpose of waiver of
subrogation, the parties mutually release and waive unto the other, all rights
to claim damages, costs or expense for any injury to persons (including death)
or property caused by a casualty of any type whatsoever in, on or about the
Premises if the amount of such damage, cost or expenses has been paid to such
damaged party under the terms of any policy of insurance. All insurance policies
carried with respect to this Lease, if permitted under applicable law, shall
contain a provision whereby the insurer waives prior to loss, all rights of
subrogation against either Landlord or Tenant.

        13. SIGNS AND ADVERTISING. In order to provide architectural control for
the Property, Tenant may install only such exterior signs, marquees, billboards,
outside lighting fixtures and/or other decorations on or about the Premises as
shall have the prior written approval of Landlord, at Landlord's sole
discretion.

        14. INDEMNIFICATION AND LIABILITY INSURANCE.

               (a) Landlord shall not be liable for and Tenant will indemnify
and save harmless Landlord of and from all fines, suits, claims, demands, losses
and actions (including attorneys' fees) for any injury to person or damage to or
loss of property on or about the premises caused by the negligence or misconduct
of, or breach of this Lease by Tenant, its employees, subtenants, invitees or by
any other person entering the Premises, the Building of the Property under

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expressed or implied invitation of Tenant, or arising out of Tenant's use of the
Premises, including but not limited to Tenant's compliance with the American
Disabilities Act of 1990. Landlord shall not be liable or responsible for any
loss or damage to any property or death or injury to any person occasioned by
theft, fire, act of God, public enemy, criminal conduct or third parties,
injunction, riot, strike, insurrection, war, court order, requisition or other
governmental body or authority, but other tenants of the Building or any other
matter beyond the control of Landlord, or for any injury or damage or
inconvenience which may arise through repair or alteration of any part of the
Building, and the Property, or failure to make repairs, or from any cause
whatsoever except Landlord's gross negligence or willful wrong.

               (b) Landlord shall indemnify and save Tenant harmless against any
and all claims, suits, demands, actions, fines, damages, and liabilities,
including the cost and expenses thereof (including reasonable attorneys' fees)
arising out of injury to persons (including death) or property occurring in, on
or about, or arising out of, the Premises or other areas of the Property if such
damage or injury is caused by any gross negligence of Landlord, its agents or
employees.

        15. INSPECTION AND LANDLORD'S RIGHT OF ENTRY. Landlord or its officers,
agents, and representatives shall have the right to enter into and upon any and
all parts of the Premises at all reasonable hours (or, in any emergency, at any
hour) to (a) inspect same or clean or make repairs or alterations or additions
as Landlord may deem necessary (but without any obligation to do so, except as
expressly provided for herein), or (b) show the Premises to prospective tenants,
purchasers or lenders; and Tenant shall not be entitled to any abatement or
reduction of Annual Rental by reason thereof, nor shall such be deemed to be in
actual or constructive eviction.

        16. EMINENT DOMAIN. If any substantial portion of the Premises is taken
under the power of eminent domain (including any conveyance made in lieu
thereof) or if such taking shall materially impair the normal operation of
Tenant's business, the Landlord may, at its sole option then terminate this
Lease by giving written notice of such termination within thirty (30) days after
such taking.

        17. EVENTS OF DEFAULT AND REMEDIES.

               (a) Upon the occurrence of any one or more of the following
events (the "Events of Default"), the Landlord shall have the right to exercise
any rights or remedies available in this Lease, at law or in equity. The
following shall be deemed to be Events of Default by Tenant under this Lease:

               (i) Tenant shall fail to pay when due any rental or other sums
               payable by Tenant hereunder (or under any other lease now or
               hereafter executed by Tenant in connection with space at the
               Property) and such failure is not cured within five (5) days
               after written notice thereof.

               (ii) Tenant shall fail to comply with or observe any other
               provision of this

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               Lease (or any other lease now or hereafter executed by Tenant in
               connection with space at the Property) if such failure is not
               cured within thirty (30) days after written notice thereof (or,
               if the curing of such failure cannot be completed within said
               thirty (30) day period, the Tenant does not diligently pursue the
               curing of such default).

               (iii) Tenant or any guarantor of Tenant's obligations hereunder
               shall make an assignment for the benefit of creditors.

               (iv) Any petition shall be filed by or against Tenant or any
               guarantor of Tenant's obligations hereunder under any section or
               chapter of the National Bankruptcy Act, as amended, or under any
               similar law or statute of the United States or any State thereof;
               or Tenant or any guarantor of Tenant's obligations hereunder
               shall be adjudged bankrupt or insolvent in proceedings filed
               thereunder.

               (v) A receiver or Trustee shall be appointed for all or
               substantially all of the assets of Tenant or any guarantor of
               Tenant's obligations hereunder.

               (vi) Tenant shall desert or vacate any portion of the premises.

               In the event that Tenant does not pay when due any rental or
other sums payable by Tenant hereunder, Tenant shall be required to pay, in
addition to amounts then due, a late charge equal to five percent (5%) of such
amounts then due, it being expressly agreed that such late charge shall become
due without notice if any payments of Annual Rental or other sums due hereunder
is not made on its due date. Lessor shall accelerate and declare the entire
remaining unpaid Rental and Additional Rental for the balance of this Lease to
be immediately due and payable forthwith, and may, at once, take legal action to
recover and collect the same.

               (b) In addition to its other remedies, Landlord, upon an Event of
Default by Tenant, shall have the immediate right, after any applicable grace
and remove all persons and properties from the Premises and dispose of such
property as it deems fit, all without resort to legal process and without being
guilty of trespass or being liable for any damages caused thereby. If Landlord
re-enters the Premises, either with or without legal process, it may either
terminate this Lease or from time to time without terminating this Lease, make
such alterations and repairs as may be necessary or appropriate to relet the
Premises, and relet the Premises upon such terms and conditions as Landlord
deems advisable without any responsibility on Landlord whatsoever to account to
Tenant for any surplus rents collected. No retaking of possession of the
Premises by Landlord shall be deemed as an election to terminate this Lease
unless a written notice of such intention is given by Landlord to Tenant at the
time of re-entry; but, notwithstanding any such re-entry or reletting without
termination, Landlord may at any time thereafter elect to terminate for such
previous default. In the event of an elected termination by Landlord, whether
before or after re-entry, Landlord may recover from Tenant damages, including
the costs of recovering the Premises, and Tenant shall remain liable to Landlord
for the total Annual Rental (which may at Landlord's election be accelerated to
be due and payable in full as of the Event of Default and

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recoverable in damages in a lump sum) as would have been payable by Tenant
hereunder for the remainder of the term less the rentals actually received from
any reletting or, at Landlord's election, less the reasonable rental value of
the Premises for the remainder of the term. In determining the Annual Rental
which would be payable by Tenant subsequent to default, the Annual Rental for
each Lease Year of the unexpired term shall be equal to the Annual Rental
payable by Tenant for the last Lease Year prior to the default. If any rent
owing under this Lease is collected by or through an attorney, or if Landlord
enforces the obligations of Tenant through services of an attorney, Tenant
agrees to pay the Landlord's reasonable attorney's fees to the extent allowed by
applicable law.

        18. SUBORDINATION. This Lease and all rights of Tenant hereunder are
subject and subordinate to any deeds of trust, mortgages or other instruments of
security, as well as to any ground leases or primary leases, that now or
hereafter cover all or any part of the Property or any interest of Landlord
therein, and to any and all advances made on the security consolidations,
replacements and extensions of any of such deeds of trust, mortgages,
instruments of security or leases. This provision is hereby declared by Landlord
and Tenant to be self-operative and no further instrument shall be required to
effect such subordination of the Lease.

        19. ASSIGNMENT AND SUBLETTINGS. Tenant shall not, without the prior
written consent of Landlord, mortgage, pledge, hypothecate, assign, transfer,
encumber, sublease, or grant a license (collectively "transfer") with respect
to any interest in this Lease or the Premises. Landlord's consent to any
particular transfer shall not waive this provision, and all later transfers
shall be made only on the prior written consent of Landlord. Even with
Landlord's approval, no such transfer shall relieve Tenant of its obligations
hereunder.

        20. TRANSFER OF LANDLORD'S INTEREST. If Landlord shall sell, assign or
transfer all or any part of its interest in the Property, the Building, the
Premises, or in this Lease to a successor in interest which expressly assumes
the obligations of Landlord hereunder, then Landlord shall thereupon be released
or discharged from all covenants and obligations hereunder, the Tenant shall
look solely to such successor in interest for performance of all of Landlord's
obligations. Tenant's assignment hereunder, and Tenant shall thereafter attorn
and look solely to such successor in interest as the Landlord hereunder.

        21. CONFIDENTIALITY. Tenant will not disclose any terms of this Lease
Agreement to anyone other than its attorneys, accountants or employees who need
to know of its contents in order to perform their duties for Tenant. Any other
disclosure will be an Event of Default under the Lease.

        22. COMMISSIONS. No lease commissions are owed on this Lease since it
was developed and negotiated on a direct basis by Landlord and Tenant.

        23. COVENANT OF QUIET ENJOYMENT. Landlord represents that it has full
right and authority to lease the Premises and Tenant shall peacefully and
quietly hold and enjoy the Premises for the full term hereof so long as it does
not default in the performance of any of the

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terms hereof.

        24. ESTOPPEL CERTIFICATES. Tenant agrees to furnish from time to time
when requested by Landlord, the holder of any deed of trust or mortgage or the
Lessor under any ground lease covering all or any part of the Property of the
confirming and containing such factual certifications and representations deemed
appropriate by Landlord, the holder of any deed of trust or mortgage or the
Lessor under any ground lease covering all or any part of the Property or the
Premises or any interest of Landlord therein, and Tenant shall, within ten (10)
days following receipt of said proposed certificate from Landlord, return a
fully executed copy of said certificate to Landlord. In the event Tenant shall
fail to return a fully executed copy of such certificate to Landlord within such
ten-day period, then Tenant shall be deemed to have approved and confirmed all
of the terms, certifications and representations contained in such certificate.

        25. MECHANIC'S LIENS. Tenant will not permit any mechanic's lien or
liens to be placed upon the Premises or the Property or improvements thereon
during the term of this Lease caused by or resulting from any work performed,
materials furnished or obligation incurred by or at the request of Tenant, and
in the case of the filing of any such lien, Tenant will promptly pay same. If
default in payment thereof shall continue for twenty (20) days after written
notice thereof from Landlord to Tenant, Landlord shall have the right and
privilege at Landlord's option of paying the same or any portion thereof without
inquiry as to the validity thereof, and any amounts so paid, including expenses
and interest, shall become additional indebtedness hereunder due from Tenant to
Landlord and shall be repaid to Landlord immediately on rendition of a bill
therefor.

        26. RECORDING OF LEASE. Without the prior written consent of Landlord
and Landlord's mortgagee, Tenant shall not record this Lease or any memorandum
of this Lease.

        27. FORCE MAJEURE. In the event Landlord or Tenant shall be delayed,
hindered or prevented from the performance of any act required hereunder, by
reason of governmental restrictions, scarcity of labor or materials, strikes,
fire, or any other reasons beyond their control, the performance of such act
shall be excused for the period of delay, and the period for performance of any
such act shall be extended as necessary to complete performance after the delay
period. However, the provisions of this paragraph shall in no way be applicable
to Tenant's obligations to pay Annual Rental or any other sums, monies, costs,
charges or expenses required by this Lease.

        28. REMEDIES CUMULATIVE-NONWAIVER. Unless otherwise specified in this
Lease, no remedy of Landlord or Tenant shall be considered exclusive of any
other remedy, but each shall be distinct, separate and cumulative with other
available remedies. Each remedy available under this Lease or at law or in
equity may be exercised by Landlord or Tenant from time to time as often as the
need may arise. No course of dealing between Landlord and Tenant, or any delay
or omission of Landlord or Tenant in exercising any right arising from the other
party's default, shall impair such right or be construed to be a waiver of a
default.

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        29. HOLDING OVER. If Tenant remains in possession of the Premises or any
part thereof after the expiration of the term of this Lease, whether with or
without Landlord's acquiescence, Tenant shall be deemed only a tenant at will
and there shall be no renewal of this Lease without a written agreement signed
by both parties specifying such renewal. The rent payable to Landlord during
such hold-over period shall be 200% of the monthly installments of Annual Rent
at the expiration of the term hereof, payable each month during such hold-over
period, in advance.

        30. NOTICES. Any notice allowed or required by this Lease shall be
deemed to have been sufficiently served if the same shall be in writing and
placed in the United States Mail, via certified mail or registered mail, return
receipt requested, with proper postage prepaid and addressed as follows:

        AS TO LANDLORD:    Historic Vanderbilt Medical School
                                 Building, Inc.
                           Attention: Vivian Hamilton
                           631 Second Avenue, South
                           Suite 1-R
                           Nashville, Tennessee 37210

        AS TO TENANT:      SolutionsAmerica, Inc.
                           Attention: Floyd Kephart
                           631 Second Avenue, South
                           Nashville, Tennessee 37210

        The addresses of Landlord and Tenant and the party, if any, to whose
attention a notice or copy of same shall be directed may be changed or added
from time to time by either party giving notice to the other in the prescribed
manner.

        31. NON-DISTURBANCE AND ATTORNMENT. This lease is subject and
subordinate to any and all mortgages or deeds of trust now or hereafter placed
on the property of which the Premises are a part, and this clause shall be
self-operative without any further instrument necessary to effect such
subordination; however, if requested by Lessor, lessee shall promptly execute
and deliver to lessor any such certificate or certificates as Lessor may
reasonably request evidencing subordination of this Lease to or the assignment
of this Lease as additional security for such mortgages or deeds of trust.
Provided, however, in each case, the holder of the mortgage or deed of trust
shall agree that this Lease shall not be divested by foreclosure or other
default proceedings thereunder so long as Lessee shall not be in default under
the terms of this Lease. Lessee shall continue its obligations under this Lease
in full force and effect notwithstanding any

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such default proceedings. Lessee will, upon request by Lessor, execute and
deliver to Lessor or to any other person designated by Lessor, any instrument or
instruments required to give effect to the provisions of this paragraph.

        32. MISCELLANEOUS.

               (a) Rules and Regulations. In addition to the initial rules and
regulations set forth in Exhibit D attached hereto, Landlord shall have the
right from time to time to prescribe reasonable rules and regulations or
Tenant's use of the Premises and the Property. Tenant shall abide by and
actively enforce on all its employees, agents, invitees and licensees such
regulations including without limitation rules governing parking of vehicles in
designated portions of the Property.

               (b) Evidence of Authority. If requested by Landlord, Tenant shall
furnish appropriate legal documentation evidencing the valid existence and good
standing of Tenant and the authority of any parties signing this Lease to act
for Tenant.

               (c) Nature of Lease; Governing Law. This Lease creates only the
relationship of Landlord and Tenant between the parties, and nothing herein
shall impose upon either party any powers, obligations or restrictions not
expressed herein. This Lease shall be construed and governed by the laws of the
State of Tennessee.

               (d) Binding Effect. This Lease shall be binding upon and shall
inure to the benefit of the parties hereto and their respective heirs,
successors, and assigns. No amendment or modification to this Lease shall be
binding upon Landlord unless same is in writing and executed by both Landlord
and Tenant.

               (e) Captions and Headings. The captions and headings in this
Lease are for convenience and reference only, and they shall in no way be held
to explain, modify, or construe the meaning of the terms of this Lease.

               (f) Leasing Commission. Tenant represents and warrants that it
has not dealt with any brokers in connection with this Lease.

               (g) Lease Review. The submission of this Lease to Tenant form
review does not constitute a reservation for or option for the Premises, and
this Lease shall become effective as a contract only upon execution and delivery
by Landlord and Tenant.

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               (h) Entire Agreement. This Lease and the attached Exhibits set
forth the entire agreement between the parties. Any prior or contemporaneous
conversations or writings are merged herein. No provision hereof can be waived
or amended except by a writing signed by the party against whom enforcement of
such waiver or amendment is sought.

        IN WITNESS WHEREOF, the parties have caused this Lease to be duly
executed and sealed pursuant to authority duly given as of the day and year
first above written.

                                    LANDLORD:

                                    HISTORIC VANDERBILT MEDICAL SCHOOL
                                        BUILDING, INC.

                                    By: /s/ VIVIAN HAMILTON
                                       -------------------------------

                                    Title: Vice President
                                          ----------------------------

                                    TENANT:

                                    SOLUTIONSAMERICA, INC.

                                    By: /s/ FLOYD W. KEPHART
                                       -------------------------------

                                    Title: Chairman
                                          ----------------------------

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                                   EXHIBIT A

                             [DIAGRAM OF PREMISES]

                                  LOWER LEVEL

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                                   EXHIBIT B

                              RULES AND REGULATIONS

        1. Tenant agrees that no other signs of any description shall be erected
or printed in or about the Building or the Premises without the prior written
consent of the Landlord.

        2. No additional locks shall be placed on the doors of the Premises by
Tenant, nor shall any existing locks be changed. Landlord will, without charge,
furnish Tenant with two keys for each lock existing upon the Building entrance
doors, and two keys for Tenant's front door of the Premises when Tenant assumes
possession with the understanding that at the termination of the Lease Agreement
these keys shall be returned. Tenant shall pay Landlord Fifty and No/100 Dollars
($50.00) per key, for each key not returned at the termination of this Lease
Agreement. Tenant may re-key its doors at its expense and provide Landlord with
two keys for each door.

        3. Tenant will refer all contractors, contractor's representatives and
installation technicians, rendering any service on or to the Premises for
Tenant, to Landlord's manager prior to beginning of any contractual service.
This provision shall apply to all work performed in the Building, including
installation of telephones, telegraph equipment, electrical devices and
attachments and installations of any nature affecting floors, walls, woodwork,
trim, windows, ceilings, equipment or any other physical portion of the
Building.

        4. No Tenant shall at any time occupy any part of the Building as
sleeping or lodging quarters.

        5. Tenant shall not place, install or operate on the Premises or in any
part of the Building, any engine, stove or machinery, or conduct mechanical
operations or cook thereon or therein, or place or use in or about premises any
explosives, gasoline, kerosene, oil, acids, caustics, or any other flammable,
explosive, or hazardous material without written consent of Landlord.

        6. Landlord will not be responsible for lost or damaged or stolen
personal property, equipment, money or jewelry from Tenant's area or public
rooms, common areas or parking facilities, regardless of whether such loss
occurs when area is locked against entry or not.

        7. Tenant shall not at any time display a "For Rent" sign upon the
Premises.

        8. Safes and other unusually heavy objects shall be placed by the Tenant
only in such

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places as may be approved by Landlord. In no event shall any weight be placed
upon such floor by Tenant so as to exceed the floor load allowances required by
local building code design requirements.

        9. Landlord will not permit entrance to Tenant's offices by use of pass
key controlled by Landlord, to any person at any time without written permission
by Tenant, except employees, contractors, or service personnel directly
supervised by Landlord.

        10. None of the entries, passages, doors, or hallways shall be blocked
or obstructed, or any rubbish, litter, trash, or material of any nature placed,
emptied or thrown into these areas, including any alleyways to the rear of the
Premises, or such areas be used at any time except for access or egress by
Tenant, Tenant's agents, employees or invitees. Trash is to be emptied into
containers (dumpsters) provided by the Landlord at a location specified by
Landlord in accordance with the terms of the Lease. If Tenant's use of trash
containers provided by Landlord exceeds normal and customary office usage by
Tenant, then the Landlord may take whatever steps are necessary to insure prompt
disposition of Tenant's excess refuse or trash, at Tenant's expense.

        11. The water closets and other water fixtures shall not be used for any
purpose other than those for which they were constructed. No person shall waste
water by interfering with the faucets or otherwise.

        12. No bicycles or other vehicles or animals shall be brought into the
Building.

        13. No sign, tag, label, picture, advertisement or notice shall be
displayed, distributed, inscribed, painted or affixed by Tenant on any part of
the outside or inside of the Building or of the Premises without the prior
written consent of Landlord. Landlord reserves the right to remove all other
signs or lettering without notice to Tenant at the expense of Tenant.

        14. In the event Landlord should advance upon the request, or for the
account of the Tenant, any amount for labor, material, packing, shipping,
postage, freight or express upon articles delivered to the Premises or for the
safety, care, and cleanliness of the Premises, the amount so paid shall be
regarded as additional rent and shall be due and payable forthwith to the
Landlord from the Tenant.

        15. Tenant shall not do or permit to be done within the Premises
anything which would unreasonably annoy or interfere with the rights of other
tenants of the Building.

        16. Tenants and occupants shall observe and obey all parking and traffic
regulations as imposed by Landlord on the Property. Landlord in all cases
retains the power to designate "no parking" zones, traffic right-of-ways, and
general parking area procedures. Failure of Tenant to comply with this rule
shall constitute a violation of this Lease Agreement.

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        17. Canvassing, peddling, soliciting, and distribution of handbills or
any other written materials in the Building are prohibited, and each Tenant
shall cooperate to prevent the same.

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                                                                 EXHIBIT 10.19

                              EMPLOYMENT AGREEMENT

1.      Identification

        This Employment Agreement (the "Agreement"), dated for identification
purposes only ______________, 2000, is entered into by and between Solutions
America, Inc., a Delaware corporation ("Company") and Floyd W. Kephart, an
individual ("Executive").

2.      Recitals

        2.1. Company is engaged in the business of providing E-Commerce related
services for the benefit of businesses offering goods and services for sale on
the Internet.

        2.2. Executive has special skills and abilities in management and
administration.

        2.3. Company desires to employ Executive and Executive is willing to
undertake such employment on the terms and conditions set forth in this
Agreement.

3.      Employment, Duties and Covenants

        3.1. Employment. During the "Term" (as hereinafter defined), (i) Company
shall employ Executive as its Chairman of the Company's Board of Directors (the
"Board") and its Chief Executive Officer with powers and duties consistent with
such positions.

        3.2. Duties. Executive hereby accepts employment in such capacity on the
terms and conditions set forth herein. The powers, duties and responsibilities
to be held or performed by Executive hereunder shall be such as inhere in the
position of Chairman of the Board and Chief Executive Officer.

        3.3. Performance of Duties. Executive shall discharge the duties
described herein in a diligent and professional manner. Executive shall render
services incidental to his position, during normal business hours, primarily, at
Company's present place of business in Culver City, California, or at such other
premises as may be occupied by Company or where Company may conduct its business
during the Term. Company agrees that, notwithstanding that Executive may be
required to temporarily travel to other places in the course of performing his
duties, in the absence of Executive's written consent, he shall not be required
to move his permanent residence outside of the Southern California area.
<PAGE>   2
        3.4. Extent of Services. Executive shall devote his full and exclusive
productive time, energy, effort, attention and ability solely to the performance
of his duties as set forth above, and to the proper and efficient management and
development of the business and operations of Company. Executive shall perform
industriously and to the best of his ability, experience and talents all of the
duties which may be required of him from time to time, pursuant to the terms
hereof, to Company's full and complete satisfaction. During the Term, Executive
shall not engage in any other occupation, and without Company's prior written
consent, Executive shall not, directly or indirectly, at any time during the
Term, render services of a business, professional or commercial nature to any
other person, firm or entity whether without compensation or for any form of
compensation whatsoever. Notwithstanding the foregoing, Executive may act for
his own account in passive-type investments, or as a member of other boards of
directors, or engage in charitable activities, where the time allocated for
those activities does not materially interfere with the discharge of his duties
for Company.

        3.5. Company's Authority. Executive shall observe and comply at all
times with the directions of the Board regarding Executive's performance of his
duties and with Company's business policies, rules and regulations as adopted by
the Board. Executive shall carry out and perform any and all orders, directions,
and policies, consistent with Executive's position, as may be so stated by the
Board from time to time, either orally or in writing.

        3.6. Results and Proceeds. Company owns all right, title and interest to
all of the results and proceeds arising out of or as a result of all services
performed by Executive on behalf of Company.

        3.7. Nonsolicitation of Gifts. Without Company's prior written consent
in each instance, Executive shall not solicit or accept, for himself or for the
benefit of any third party or entity, any contribution, donation, gift, discount
or rebate or the like of material value or in violation of applicable law from
any person, firm or entity with whom Company maintains any business
relationship.

        3.8. Competitive Activities Prohibited. During the Term, Executive shall
not, directly or indirectly (unless disclosed to Company and approved by Company
in writing in its sole and absolute discretion):

               3.8.(a)engage in any activity competitive with or adverse to the
business, activities or welfare of Company, whether alone, as an agent, as a
lender, as a general or limited partner of a partnership, as a member or manager
of a limited liability company, or as an officer, director or holder of the
outstanding shares of capital stock of any corporation;

<PAGE>   3

               3.8.(b) engage in any conduct or activity which would cause
Company or Executive to be in a position of conflict of interest or cause
Company to be in violation of any law, regulation, policy, statement or rule of
any applicable governmental authority; or

               3.8.(c) undertake planning for or organization of any business
activity competitive with Company's business.

4.      Term and Termination of Agreement

        4.1. Term of Employment. Executive's employment under this Agreement
shall be for five (5) years, commencing on July 1, 2000 and ending on June 30,
2005 (the "Term"). The Term shall automatically be extended for one (1)
additional year, unless either Executive or Company gives written notice to the
other at least three (3) months prior to expiration of the Term that the Term
shall not be so extended.

        4.2.   Termination.

               4.2.(a) Executive's employment may be terminated without cause or
grounds therefor by Company or Executive upon thirty (30) days' prior written
notice from the terminating party. In addition, Company may terminate
Executive's employment for "Cause" as provided in Section 4.2(b) at any time
without prior notice.

               4.2.(b) Company may terminate Executive for "Cause". Any
termination of Executive's employment hereunder shall be deemed to be for
"Cause" if:

                      4.2.(b)(i) Executive has materially breached a provision
of this Agreement, and if such breach is curable, Executive has been provided
written notice from Company identifying the alleged material breach, and
Executive has failed within ten (10) days thereafter to cure the material
breach;

                      4.2.(b)(ii) Executive is convicted of or pleads guilty to
a felony charge involving financial misconduct or moral turpitude;

                      4.2.(b)(iii) Executive has misappropriated any funds or
property of Company;

<PAGE>   4

                      4.2.(b)(iv) Executive fails to comply with the reasonable
oral or written directions of the Board consistent with Executive's position and
such failure is not cured within five (5) days after written notice from
Company;

                      4.2.(b)(v) Executive is incompetent in performing his
assigned duties or responsibilities; or,

                      4.2.(b)(vi) Executive commits any other act or fails to
take any action which a court or arbitrator of competent jurisdiction could
justify as grounds for dismissal for "Cause".

        4.3. Death. In the event of Executive's death during the Term,
Executive's employment with Company shall terminate.

        4.4. Disability. If during the Term of this Agreement Executive becomes
"Totally Disabled" (which for the purposes of this Agreement shall be deemed to
occur if Executive is unable to perform his services and engage in his regular
occupation pursuant to this Agreement due to physical or mental disability for a
period of ninety (90) consecutive days, or for ninety (90) days during any three
hundred sixty five (365) day period, Company shall have the right to terminate
Executive's employment.

        4.5. Change in Control. In the event that Executive is terminated
pursuant to a change in control as defined in Section 5.7 below, Executive shall
be entitled to a severance package equal to Executive's full salary and benefits
as described in Section 5 below for a three (3) year period following the date
of such termination.

        4.6. Legal Obligations Following Termination.

               4.6.(a) If Executive's employment hereunder is terminated by
Executive as provided in Section 4.2(a) or as provided in Sections 4.2(b), 4.3
or 4.4, then Company shall be liable to pay Executive only the following
amounts: (i) Executive's salary through and including the "Effective Date of
Termination", which for purposes of this Agreement shall be the last day on
which Executive performed services pursuant to the terms of this Agreement,
unless the notice of termination of this Agreement provides for payment through
a later date; (ii) Executive's salary for the pro rata portion of any vacation
to which he was entitled but which he has not taken; (iii) reimbursement of any
expenses previously incurred pursuant to Section 5.4 and Section 5.5; and (iv)
any benefits to which Executive is actually entitled under Article 5 hereof. If
Executive's employment hereunder is terminated prior to the end of the Term of
this Agreement by Company pursuant to Section 4.2(a)

<PAGE>   5

or as a result of Company's material breach, in addition and with no duty or
obligation to mitigate or seek other employment, Executive shall be paid the
amount of his annual salary remaining for the balance of the Term of this
Agreement pursuant to Section 5.1, all stock options held by Executive, to the
extent not already vested or exercisable, shall become immediately exercisable,
and Executive shall be provided the life insurance, disability insurance and
health insurance benefits pursuant to Section 5.8 for the remainder of the Term.

               4.6.(b) If Executive's employment is terminated, the vacation to
which Executive would be entitled for his last year of service shall be
prorated. If Executive has already taken more vacation than that to which he is
entitled, Company shall be entitled to offset any sums owed by it to Executive
against the amount of salary received by Executive for the number of vacation
days taken in excess of vacation days which he was entitled to take.

               4.6.(c) The termination of this Agreement and Executive's
employment hereunder shall not affect Executive's right to exercise any vested
stock options in accordance with the terms of Company's Stock Option Plan, and
shall not relieve either party from any liability or damage directly or
indirectly arising out of any breach of or default under this Agreement or any
failure to comply with or perform any obligations under this Agreement, and
termination of Executive's employment shall not affect Company's rights under
Article 6.

5.      Compensation and Other Benefits

        5.1. Annual Salary. As compensation for services rendered by Executive
to Company, Company shall pay Executive an annual salary in the amount of Three
Hundred Thousand Dollars ($300,000) for each year of the Term, prorated for any
partial period. The annual salary shall be payable in accordance with Company's
regular payroll practices.

        5.2. Employment Taxes. All compensation shall be subject to the
customary withholding tax and other employment taxes as required with respect to
compensation paid by a company to an employee.

        5.3. Bonus. As additional compensation for services rendered by
Executive to Company, and beginning in the Fiscal year 2001, Executive shall
receive a bonus equal to Five (5%) Percent of that portion of the Company's
fiscal year net before tax profits in excess of Five Million ($5,000,000)
Dollars. If the Company's fiscal year profits do not exceed Five Million
($5,000,000) Dollars, then Executive will not be eligible for this Bonus.
Notwithstanding the above, Company

<PAGE>   6
may pay Executive such other discretionary bonuses as may be determined by the
Board in its sole and absolute discretion.

        5.4. Expenses. Company and Executive hereby acknowledge that Executive
may be required, during the Term, to incur certain expenses in connection with
his employment hereunder including, but not limited to, parking, travel,
entertainment, and other expenses. Company shall reimburse Executive for
ordinary and necessary business expenses incurred by Executive in the
performance of his duties hereunder if such expenses have previously been
approved by Company or if reimbursement is otherwise appropriate in accordance
with Company's established policies and if Company receives such verification
thereof as Company may require.

        5.5. Moving Expense Reimbursement. Company acknowledges that Executive,
in order to perform his duties as described in Section 3.3 above, must relocate
his permanent residence from Nashville, Tennessee to Southern California.
Company agrees to reimburse Executive up to Twenty Thousand ($20,000) Dollars
for all reasonable moving expenses incurred in this relocation.

        5.6. Life Insurance. Company will make its best effort to secure a life
insurance plan in Executive's name, of which the Company is the sole
beneficiary, in the face amount of Ten Million Dollars ($10,000,000) to be
issued by [________________________] (the "Life Insurance Policy"). The monthly
premium for such Life Insurance Policy will be [_________________] Dollars
($______). During the Term, Company shall pay the premiums on such Life
Insurance Policy, or shall reimburse Executive if Executive pays such premiums
himself.

        5.7. Stock Options. Executive understands that Company is currently in
the process of designing and implementing a stock option program for its
executives and employees. Upon adoption of such plan and upon the formation of a
Compensation Committee of the Company's Board of Directors, Company shall grant
to Executive stock options, conditioned on the closing of the Company's initial
public offering or merger with a public company, to purchase that number of
shares of Common Stock of the Company, the amount of which is to be determined
by the Compensation Committee of the Company's Board of Directors, equal to
[______] percent (___%) of the Company's issued and outstanding prepublic
offering capitalization on a fully diluted basis at the lowest purchase price
for which options are to be granted under the Company's stock option plan prior
to the initial public offering or merger with a public company. [_____________]
percent (___%) of the stock options granted to Executive as determined by
Compensation Committee of the Company's Board of Directors will automatically
vest and become exercisable on that date which is ninety (90) days after the
commencement date of the Term. The balance of the stock options shall vest in
three (3) equal cumulative installments on the first anniversary date, second
anniversary date and third anniversary date, respectively, of Executive's
employment hereunder. If Executive's

<PAGE>   7

unvested stock options would be terminated as a result of a "Change in Control"
then, all of Executive's unvested options, if any, shall become immediately
exercisable. For purposes of this Agreement, the term "Change in Control" means:
(a) the obtaining of control by any person or "group" (other than the persons
who own five percent (5%) or more of the shares of the Company as identified in
the Company's Registration Statement on Form S-1 filed in connection with the
Company's initial public offering) within the meaning of Section 13(d) or
Section 14(d)(2) of the Securities Exchange Act of 1934, as amended (the
"Exchange Act"), of beneficial ownership (within the meaning of the Rule 13d-3
promulgated under the Exchange Act), directly or indirectly, of voting
securities of the Company representing 50% or more of the combined voting power
of the Company's then outstanding voting securities entitled to vote generally
in the election of directors; or (b) such time as a majority of the Board shall
be comprised of persons who were not elected to such offices as part of the
"Company nominated slate" of directors (i.e. the slate of nominees proposed by
the Board in office immediately prior to the election; provided, however, that
this clause shall not apply in the event one or more directors voluntarily
resign from the Board. All other terms and conditions of Executive's stock
options shall be in accordance with the terms of the Company's stock option
plan.

        5.8. Other Benefits. During the Term of this Agreement, Executive shall
receive such other life insurance, pension, disability insurance, health
insurance, holiday, vacation and sick pay benefits which Company extends, as a
matter of policy, to its executive employees and, except as otherwise provided
herein, shall be entitled to participate in all deferred compensation and other
incentive plans of Company on the same basis as other like employees of Company.
Without limiting the generality of the foregoing, Executive shall be entitled to
four (4) weeks vacation during each year of the Term of this Agreement, which
shall be scheduled in Executive's discretion, subject to and taking into account
the business exigencies of Company. Unused vacation may be accrued for one (1)
year only. Vacation in excess of two (2) consecutive weeks shall be subject to
the reasonable approval of the Board.

6.      Confidential Information/Nonsolicitation.

        6.1. Confidential Information. "Confidential Information" means all
information, data and knowledge of a business, professional or technical nature
relating to the business or operations of Company, information which is not
generally known outside of Company, or information entrusted to Company by third
parties, and includes information known to Executive as confidential or secret
or which Executive shall have reason to know or reasonably should know is
confidential or secret, to the extent that such information derives potential or
actual independent economic value from not being generally known to, and not
being readily ascertainable by proper means by, other

<PAGE>   8

persons who can obtain potential or actual economic value from this disclosure
or use and is the subject of efforts reasonable under the circumstances to
maintain its secrecy. Confidential Information may relate, for example, to trade
secrets, customer lists, customers' names and requirements, customer businesses,
customer profiles, customer finances, customer accounts, employees, business
methods, business or marketing plans, personnel information, credit information,
financial information, the names and locations of vendors and suppliers,
equipment, equipment design, research, development, engineering, manufacturing,
purchasing, accounting, selling, marketing, contractors, compositions, computer
software, computer hardware, computer applications and tools, algorithms, object
code, source code, technology, research, infrastructures, products, procedures,
calculations, specifications, developments, formulae, compilations, inventions,
designs, plans, databases, database structure, data, accounts, billing methods,
pricing, costs, business methods, systems, plans, internal affairs, legal
affairs, security methods, creative ideas and concepts, projects, advertising,
merchandising techniques and any and all information entrusted to the Company by
third parties. This information may be contained in materials ("Materials") such
as books, records, files, notes, lists, computer programs, tapes, cd roms, hard
disc and soft disc drive mechanisms, other mechanisms for electronic or digital
storage of information, computer printouts, data input to computers, drawings,
documents, data, reports, customer, price and supplier lists, specifications, or
other miscellaneous embodiments, or may be in the nature of, or consist of,
verbal communication or unwritten knowledge, techniques, formulas, processes,
practices or know-how.

        6.2. Acknowledgment by Executive. Executive acknowledges that Company
will be required hereunder to make Confidential Information available to
Executive which has been developed at great expense and effort by Company
because knowledge of such Confidential Information will be essential to the
performance of Executive's duties under this Agreement. Executive recognizes
that Company has expert knowledge in its field and that many of its methods, and
much of its know-how is expert and unique and its customer and potential
customer contracts are of substantial commercial value. Executive further
acknowledges, without limiting the generality of the foregoing, that the
identity, business needs, desires and peculiarities of customers and suppliers
of Company constitutes valuable Confidential Information. Executive also
acknowledges that prior to or during his employment with Company he may be given
access to or become acquainted with Confidential Information. Executive
acknowledges that such Confidential Information is a valuable, special, unique
asset of Company's business.

        6.3. No Use or Disclosure. Without Company's prior written
authorization, Executive shall not communicate, use, divulge, or disclose to any
other person, firm or entity any Confidential Information or any copy,
reproduction or summary thereof, in any manner, at any time, whether during or
after the Term other than as expressly required in the performance of any
party's obligations to Company, or as required by law.

<PAGE>   9

        6.4. Ownership. Executive acknowledges that the relationship between the
parties hereto is exclusively that of employee and employer, and that Company's
obligations to Executive are exclusively contractual in nature. Company shall be
the sole owner in perpetuity throughout the universe of all the results and
proceeds of Executive's services hereunder. Executive further acknowledges and
agrees that all Confidential Information, Materials, documents, concepts, ideas,
improvements, plans, computer programs, applications and tools, algorithms,
object code, source code, compositions, reports, notes, memoranda, records,
compilations, original works of authorship, formulas, techniques, programs, work
product and other materials of any kind or character which Executive makes,
compiles or conceives, either solely or with others, during his employment by
Company which are applicable directly or indirectly to any phase of Company's
business, and all copies or abstracts thereof, ("Company Materials"), shall
automatically become Company's sole and exclusive property and Company shall be
deemed the owner and author thereof. Executive further acknowledges that all
such Company Materials shall constitute "works made for hire" within the meaning
of the copyright laws of the United States. Executive hereby irrevocably assigns
to Company all right, title and interest in and to all Company Materials,
including, without limitation, all copyrights, trademarks and patents pertaining
thereto, and any other proprietary rights based thereon, and all renewals,
extensions, subdivisions and continuations-in-interest thereof. Executive shall,
at the request of Company, execute such assignments, certificates, or other
instruments as Company may from time to time deem necessary or desirable to
evidence, protect, establish, maintain, perfect, enforce or defend its right,
title and interest in or to any such rights properties or products. In the event
Executive fails to comply with the preceding sentence, Executive irrevocably
designates and appoints Company and each of its duly authorized officers and
agents as his attorney-in-fact to execute and to file any document and to do all
other lawfully permitted acts to further the protection, issuance and
enforcements of copyrights, trademarks, patents and other proprietary rights
with the same force and effect as if executed and delivered by Executive. No
Company Materials, Materials or Confidential Information will be made available
by Executive to others during or following his employment with Company without
the advance written permission from of the Board.

        6.5. Third Party Trade Secrets. In the same way that Company endeavors
to protect its own Confidential Information, Company endeavors not to engage in
any conduct which would violate the legal protection afforded to the trade
secret information of third parties. Under no circumstances will Company accept
the improper disclosure of other parties' trade secrets. Therefore, in rendering
Executive's services hereunder, Executive agrees not to disclose to Company or
utilize in any manner trade secret information in Executive's possession
belonging to any other party.

<PAGE>   10

        6.6. No Soliciting. While employed by Company and for a period of two
(2) years thereafter, without express prior written approval of the Board,
Executive shall not directly or indirectly interfere with Company's business in
any manner, including, without limitation, by: (a) planning for, acquiring any
financial interest in, or performing any services for Executive or any other
person or entity in connection with a business in which Executive's interest,
duties or activities require Executive to utilize or reveal any Confidential
Information; (b) attempting to employ, enticing, encouraging or soliciting for
employment by others, any of Company's employees; (c) inducing or attempting to
induce a consultant or other independent contractor to sever his or her
relationship with Company; (d) diverting or attempting to divert (by
solicitation or otherwise) or obtaining business from any of Company's clients
or customers; (e) making known to any person, firm, corporation or other entity
the identities or addresses of any client or customer; or (f) soliciting,
causing to be solicited or accepting the disclosure of any Confidential
Information for any purpose whatsoever except as expressly required by Company
in order to enable Executive to perform all job duties required of Executive
herein.

        6.7. No Removal or Duplication. Without Company's prior written consent
in each instance, or except as expressly required by Company in connection with
Executive's duties as an executive of Company, Executive shall not at any time,
whether prior to or after Executive's employment with Company ends, remove,
reproduce, summarize or copy any Confidential Information, or authorize,
participate in, aid or abet such removal, reproduction, summarizing or copying.
Executive shall immediately return to Company all Confidential Information,
Materials and Company Materials, including all copies and summaries thereof,
when Executive's employment by Company ends for any reason or at any time when
Company may otherwise require that such Confidential Information, Materials or
Company Materials be returned.

        6.8. Material Term. Executive acknowledges that maintaining the
confidentiality of such Confidential Information is necessary to the successful
conduct of the business of Company and its goodwill, and that any breach of any
term of this Article 6 shall be a material breach of this Agreement.

7.      Specific Performance; Survivability.

        7.1. Specific Performance. Without in any manner limiting the provisions
of Article 6, Executive recognizes and acknowledges that all of the Confidential
Information, as it may exist from time to time, is a valuable, special and
unique trade secret asset of Company. Executive agrees that the remedy at law
for a breach of the covenants contained in Article 6 is inadequate and that
therefore in the event of a breach, or threatened breach by Executive of the
provisions of Article 6,

<PAGE>   11
Company shall be entitled to an injunction or restraining order restraining
Executive from disclosing in whole or in part any Confidential Information, or
from rendering any services to any person, firm, corporation, association or
other entity to whom such Confidential Information, in whole or in part, may
have been disclosed or is threatened to be disclosed or from breaching the
covenants contained in Article 6. Nothing herein shall be construed as
prohibiting Company from pursuing any other remedies available to Company for
such breach or threatened breach, including the recovery of damages from
Executive. To the extent permissible by law, Executive specifically waives the
necessity for Company to post bond in any injunctive or similar proceeding, and
in any event, consents to the posting of the smallest bond allowed by law.

        7.2. Reasonableness of Restrictions. Executive acknowledges that his
covenants contained in Article 6 are a material part of the consideration for
this Agreement, are reasonably necessary to protect legitimate interests of
Company, are reasonable in scope and duration and are not unduly restrictive.

        7.3. Survivability. All covenants and agreements contained in Article 6
shall survive the termination of this Agreement and Executive's employment with
Company.

8.      Indemnification

        Company shall, to the maximum extent permitted by law, indemnify and
hold Executive harmless from and against all claims, actions, causes of actions,
judgments, liabilities, obligations and expenses, including without limitation,
attorneys' fees, court costs, judgments, fines, settlements, and other amounts
actually incurred arising out of, relating to or in connection with Executive's
employment by Company, his services as an officer of Company, or the discharge
of his duties hereunder; provided, however, that the foregoing indemnity shall
not apply to any activity which is beyond the scope of his employment or agency
authority. Company shall advance to Executive any expenses incurred in defending
any such proceeding to the maximum extent permitted by law.

9.      Arbitration

        Any controversy or claim arising out of or relating to this Agreement
including, but not limited to, any claim relating to its validity,
interpretation, enforceability or breach, or any other claim or controversy
arising out of the employment relationship or the commencement or termination of
that relationship, including, but not limited to, claims for breach of covenant,
breach of an implied covenant or intentional infliction of emotional distress,
which are not settled by

<PAGE>   12

agreement between the parties, shall be settled by final and binding arbitration
to be heard on an expedited basis by a retired California Superior Court or
Appellate Court judge in Orange County, California in accordance with the
employment dispute resolution rules of the American Arbitration Association
("AAA") in effect at the time a claim is filed. In consideration of each party's
agreement to submit to arbitration all disputes with regard to this Agreement or
with regard to any alleged contract or tort or other claim arising out of the
employment relationship or the commencement or termination of that employment
relationship, and in consideration of the anticipated expedition and the
minimizing of expense of this arbitration remedy, each party agrees that the
arbitration provisions of this Agreement shall provide it with its exclusive
remedy and each party expressly waives any right it might have to seek redress
in any other forum except as provided in Article 7 and Section 10.1. The parties
agree that this means that they are giving up their right to a jury trial and to
trial in a court of law in favor of the right to arbitrate. The parties further
agree that the arbitrators acting hereunder shall be empowered to assess any
remedy including, but not limited to, injunctive orders (including temporary,
preliminary and permanent relief) when appropriate. It is specifically
contemplated and agreed by the parties hereto that discovery may be conducted by
any party pursuant to the provisions of Section 1283.05 of the California Code
of Civil Procedure which are hereby incorporated into, and made a part of, and
made applicable to this Agreement, and the arbitrators shall have the full power
of a Court of the State of California to issue and enforce subpoenas. A judgment
upon any award rendered by the arbitrator may be entered in any court having
jurisdiction. In reaching a decision, the arbitrator shall be required to apply
substantive California and federal law and, shall have no authority to change,
extend, modify or suspend any of the terms of this Employment Agreement.

10.     General Provisions.

        10.1. Injunctive Relief. In the event of a breach by Executive of any of
his undertakings hereunder, Executive agrees that in addition to any other
rights or remedy provided by law or equity, a restraining order or an injunction
may issue against Executive to enforce compliance with this Agreement.

        10.2. No Personal Interest. Executive shall not have any personal
interest, direct or indirect, in any supplier of, or in any transaction between,
any supplier and Company.

        10.3. Assignment. Neither this Agreement nor any rights or benefits
hereunder shall be subject to execution, attachment or similar process and
Executive may not assign, transfer, pledge or hypothecate this Agreement or any
rights or benefits hereunder without the prior written consent of Company. Any
such assignment, transfer, pledge or hypothecation hereof by Executive in

<PAGE>   13

violation of this provision shall be null, void and of no effect. Subject to the
foregoing, this Agreement and all of the terms and conditions hereof shall
benefit and bind Company and its successors and assigns and shall benefit and
bind Executive and his successors. Company's rights hereunder shall accrue to
the benefit of any person, firm, or corporation which may succeed to its
business by merger, purchase of stock or assets, or otherwise.

        10.4. Integration. Neither of the parties hereto have made any
representations, statements, warranties or other agreements other than those
expressed herein. This Agreement embodies the entire understanding of the
parties with respect to the subject matter contained in it and supersedes all
prior and contemporaneous agreements, representations, or understandings,
written or oral, between the parties. This Agreement may be amended or modified
only by a written agreement, signed by the parties hereto.

        10.5.  Notices.

               10.5.(a) All notices, requests, payments, statements, demands or
other communications given under this Agreement (collectively "Communications")
shall be in writing. Notice shall be sufficiently given for all purposes as
follows:

                      (1) PERSONAL DELIVERY. When personally delivered to the
recipient. Notice is effective on delivery.

                      (2) FIRST-CLASS MAIL. When mailed first class to the last
address of the recipient known to the party giving notice. Notice is effective
three (3) mail delivery days after deposit in a United States Postal Service
office or mailbox.

                      (3) CERTIFIED MAIL. When mailed certified mail, return
receipt requested. Notice is effective on receipt, if delivery is confirmed by a
return receipt.

                      (4) OVERNIGHT DELIVERY. When delivered by (overnight
delivery Federal Express/Airborne/United Parcel Service/DHL WorldWide Express),
charges prepaid or charged to the sender's account. Notice is effective on
delivery, if delivery is confirmed by the delivery service.

                      (5) TELEX OR FACSIMILE TRANSMISSION. When sent by telex or
fax to the last telex or fax number of the recipient known to the party giving
notice. Notice is effective on receipt, provided that (a) a duplicate copy of
the notice is promptly given by first-class or certified mail or by overnight
delivery, or (b) the receiving party delivers a written confirmation of receipt.
; Any

<PAGE>   14

notice given by telex or fax shall be deemed received on the next business day
if it is received after 5:00 p.m. (recipient's time) or on a nonbusiness day.

               10.5.(b)          Addresses for purpose of giving notice
are as follows:

               If to Company:    Solutions America, Inc.
                                 600 Corporate Pointe, 12th Floor
                                 Culver City, California 90230
                                 Attention: Gary Horowitz, President

               If to Executive:  Floyd W. Kephart
                                 805 N. Bedford Drive
                                 Beverly Hills, California 90210

               10.5.(c) Any correctly addressed notice that is refused,
unclaimed, or undeliverable because of an act or omission of the party to be
notified shall be deemed effective as of the first date that said notice was
refused, unclaimed, or deemed undeliverable by the postal authorities,
messenger, or overnight delivery service.

               10.5.(d) Either party may change its address or telex or fax
number for purposes of this Section 10.5 by notifying the other party of its new
address in the manner set forth in this Section 10.5.

        10.6. Governing Law; Severability. This Agreement is made under and
shall be construed in accordance with the laws of the State of California.
Nothing in this Agreement shall be construed to require the commission of any
act contrary to law, and wherever there is any conflict between any provision of
this Agreement and any present or future statute, law, ordinance or regulation
contrary to which the parties have no legal right to contract, the latter shall
prevail, but in such event the provision of this Agreement so affected shall be
curtailed and limited only to the extent necessary to bring it within the
requirement of the law. If any term or provision of this Agreement is determined
by a Court of competent jurisdiction to be illegal, invalid, or unenforceable
for any reason whatsoever, such illegality, invalidity, or unenforceability
shall not affect the remaining terms and provisions of this Agreement, which
remaining terms and provisions shall remain in full force and effect.

        10.7. Waiver. A waiver of any of the terms and conditions hereof by
Company or Executive shall not constitute a waiver of any other term or
condition hereof, nor shall it constitute

<PAGE>   15

a general waiver by the waiving party, and the waiving party shall be free to
reinstate any such term or condition without notice to the other party.

        10.8. Headings. The Article and Section headings used herein are for
convenience only and are not a part of this Agreement.

        10.9. Gender. Whenever required by the context hereof, the singular
shall be deemed to include the plural and the plural to include the singular,
and the masculine, feminine and neuter gender shall each be deemed to include
the others.

        10.10. Counterparts. This instrument may be executed in counterparts,
each of which shall be deemed an original, but all of which taken together shall
constitute one and the same instrument.

                           [SIGNATURE PAGE TO FOLLOW]

        IN WITNESS WHEREOF, the parties hereto have executed this Agreement as
of the date and at the place indicated opposite their respective signatures
below.

                                            "COMPANY"

                                            SOLUTIONS AMERICA, INC.,
                                            a Delaware corporation
Executed at _____________, California
this ____ day of _____________, 2000        By:
                                                --------------------------------
                                                Gary Horowitz, President
                                                and Chief Executive Officer

                                            "EXECUTIVE"

<PAGE>   16

Executed at _____________, California
this ____ day of _____________, 2000        By:
                                               ---------------------------------
                                                   Floyd W. Kephart

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