Document:

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                                                                   EXHIBIT 10.13

                                   EXHIBIT "E"

                              EMPLOYMENT AGREEMENT
                                 BY AND BETWEEN
                                  JAMITA, INC.
                                       AND
                                LARRY G. ROWEDDER

                  THIS EMPLOYMENT AGREEMENT (the "Agreement") is executed on
August 15, 2000 to be effective as of August 1, 2000 (the "Commencement Date")
by and between Jamita, Inc., a Ohio corporation (the "Company") and Larry G.
Rowedder ("Employee").

                  WHEREAS, the Company is engaged in the distributed learning
business and other related businesses (such activities, present and future,
being hereinafter referred to as the "Business"); and

                  WHEREAS, the Company and Employee desire to enter into this
Agreement to memorialize their oral understanding, to assure the Company of the
services of Employee for the benefit of the Company and to set forth the
respective rights and duties of the parties hereto.

                  NOW, THEREFORE, in consideration of the premises and the
mutual covenants, terms and conditions set forth herein, the Company and
Employee agree as follows:

                                    ARTICLE I

                                   EMPLOYMENT

                  1.1 EMPLOYMENT AND TITLE. As of the Commencement Date, the
Company employs Employee, and Employee accepts such employment, as Chief
Executive Officer of the Company, all upon the terms and conditions set forth
herein.

                  1.2 DUTIES. During the Initial Term and any Extended Terms (as
hereinafter defined) hereof, Employee shall faithfully perform his duties in
accordance with this Agreement and the Bylaws of the Company, serve the Company
faithfully and to the best of his ability and devote substantially all of his
business time and attention, knowledge, energy and skills to the Company.
Employee shall report directly to the Board of Directors of the Company and
shall operate the Company in accordance with the Company's annual business plan,
budget and assigned duties. Subject to the directions of and limitations imposed
by the Board of Directors of the Company, the Employee shall be responsible for
interpretation and executive implementation of the Company's policies and shall
perform all the duties and have and exercise all rights and powers as Chief
Executive Officer usually pertaining and attributable, by law, custom, or
otherwise, of said position.

         The foregoing will not be construed as preventing Employee from making
investments in other business or enterprises or civic or charitable activities
provided that (a) Employee agrees not to become engaged in any other business

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activity that interferes with his ability to discharge his duties and
responsibilities to the Company and (b) Employee does not violate any other
provision of this Agreement. Additionally, Employee may provide services to the
Mayerson Academy for Human Resource Development located in Cincinnati, Ohio, so
long as the provision of such services does not interfere with his ability to
discharge his duties and responsibilities to the Company, and the provision of
such services to the Mayerson Academy shall not be considered a breach of any
provision of this Agreement.

                  1.3 LOCATION. The principal place of employment and the
location of Employee's principal office shall be in Cincinnati, Ohio, or at such
other location agreed upon by Employee and the Company; provided, however,
Employee shall, when requested by the Board of Directors of the Company, or may,
if he determines it to be reasonably necessary, temporarily perform, outside of
Cincinnati, Ohio, such services as are reasonably required for the proper
execution of his duties under this Agreement. In no event, however, shall
Employee be required to permanently relocate his principal place of employment
or his principal residence, without his consent.

                  1.4 REPRESENTATIONS. Each party represents and warrants to the
other that he/it has full power and authority to enter into and perform this
Agreement and that his/its execution and performance of this Agreement shall not
constitute a default under or breach of any of the terms of any agreement to
which he/it is a party or under which he/it is bound. Each party represents that
no consent or approval of any third party is required for his/its execution,
delivery and performance of this Agreement or that all consents or approvals of
any third party required for his/its execution, delivery and performance of this
Agreement have been obtained.

                                   ARTICLE II

                                      TERM

                  2.1 TERM. The term of Employee's employment hereunder (the
"Term") shall commence as of the Commencement Date and shall continue through
the second anniversary of the Commencement Date (the "Scheduled Termination
Date") unless renewed or earlier terminated pursuant to the provisions of this
Agreement. Assuming all conditions of this Agreement have been satisfied and
there has been no breach of the Agreement during its initial term, the parties
may agree to extend the term of this Agreement ("Extended Term").

                                   ARTICLE III

                                  COMPENSATION

                  3.1 SALARY. As compensation for the services to be rendered by
Employee, the Company shall pay Employee, during the Term of this Agreement, an
annual base salary of not less than Seventy Five Thousand ($75,000), which base
salary shall accrue monthly (prorated for periods less than a month) and shall
be paid in equal bi-monthly installments, in arrears or as the Employee and the
Company otherwise agree. The base salary will be reviewed annually, or as
appropriate, by the Board of Directors of the Company. At any time the base

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salary may be increased for the remaining portion of the Term if so determined
by the Board of Directors of the Company after a review of Employee's
performance of his duties.

                  3.2 BONUSES. The Company may pay the Employee an annual bonus
(the "Annual Bonus") as determined by the Board of Directors of the Company. The
Annual Bonus, if any, shall be payable within ninety (90) days after the end of
the most recent fiscal year to which the Bonus relates.

                  3.3 NONQUALIFIED STOCK OPTIONS. The Company may, subject to
the discretion of the Compensation Committee of Compass Knowledge Holdings, Inc.
("CKHI"), grant to Employee nonqualified options to acquire shares of CKHI
common stock (the "Option Shares").

                  3.4 BENEFITS. Employee shall be entitled, during the Term
hereof, to the same medical, hospital, pension, profit sharing, dental, and
long-term disability coverage and life insurance coverage as are available to
the CKHI's vice presidents on the Commencement Date together with the following
additional benefits:

                  (a) The Company's normal vacation allowance for all employees
         who are executive officers of the Company, but not less than four (4)
         weeks annually, with the option to carry over unused vacation days.

                  (b) The Employee will be entitled to participate in any
          benefit plan or program of the Company which may currently be in place
          or implemented in the future.

                  (c) During the Term, Employee will be entitled to receive, in
         addition to and not in lieu of base salary, bonus or other
         compensation, such as other benefits as Company may provide for its
         officers in the future.

                  3.5 WITHHOLDING. Any and all amounts payable under this
Agreement, including, without limitation, amounts payable under this Article III
and Article VII, which are subject to withholding for such federal, state and
local taxes as the Company, in its reasonable judgment, determines to be
required pursuant to any applicable law, rule or regulation.

                                   ARTICLE IV

                   WORKING FACILITIES, EXPENSES AND INSURANCE

                  4.1 WORKING FACILITIES AND EXPENSES. Employee shall be
furnished with an office at the principal executive offices of the Company in
Cincinnati, Ohio, or at such other location as agreed to by Employee and the
Company, and other working facilities and secretarial and other assistance
suitable to his position and reasonably required for the performance of his
duties hereunder. The Company shall reimburse Employee for all of Employee's
reasonable expenses incurred while employed and performing his duties under and
in accordance with the terms and conditions of this Agreement, subject to
Employee's full and appropriate documentation, including, without limitation,
receipts for all such expenses in the manner required pursuant to Company's
policies and procedures and the Internal Revenue Code of 1986, as amended (the

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"Code") and applicable regulations as are in effect from time to time.

                  4.2 INSURANCE. The Company may secure in its own name or
otherwise, and at its own expense, life, disability and other insurance covering
Employee or Employee and others, and Employee shall not have any right, title or
interest in or to such insurance other than as expressly provided herein.
Employee agrees to assist the Company in procuring such insurance by submitting
to the usual and customary medical and other examinations to be conducted by
such physicians(s) as the Company or such insurance company may designate and by
signing such applications and other written instruments as may be required by
any insurance company to which application is made for such insurance.

                                    ARTICLE V

                              ILLNESS OR INCAPACITY

                  5.1 RIGHT TO TERMINATE. If, during the Term of this Agreement,
Employee shall be unable to perform in all material respects his duties
hereunder for a period exceeding six (6) consecutive months by reason of illness
or incapacity, this Agreement may be terminated by the Company in its reasonable
discretion pursuant to Section 7.2 hereof.

                  5.2 RIGHT TO REPLACE. If Employee's illness or incapacity,
whether by physical or mental cause, renders him unable for a minimum period of
sixty (60) consecutive calendar days to carry out his duties and
responsibilities as set forth herein, the Company shall have the right to
designate a person to replace Employee temporarily in the capacity described in
Article I hereof; provided, however, that if Employee returns to work from such
illness or incapacity within the six (6) month period following his inability
due to such illness or incapacity, he shall be entitled to be reinstated in the
capacity described in Article I hereof with all rights, duties and privileges
attendant thereto.

                  5.3 RIGHTS PRIOR TO TERMINATION. Employee shall be entitled to
his full remuneration and benefits hereunder during such illness or incapacity
unless and until an election is made by the Company to terminate this Agreement
in accordance with the provisions of Section 5.1 of this Article.

                  5.4 DETERMINATION OF ILLNESS OR INCAPACITY. For purposes of
this Article V, the term "illness or incapacity" shall mean Employee's inability
to perform his duties hereunder substantially on a full-time basis due to
physical or mental illness as determined by a physician selected by the Company
and the Employee.

                                   ARTICLE VI

                    CONFIDENTIALITY AND INTELLECTUAL PROPERTY

                  6.1 CONFIDENTIALITY. During the Term of this Agreement and
thereafter, Employee shall not divulge, communicate, use to the detriment of the
Company, or for the benefit of any other business, firm, person, partnership or

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corporation, or otherwise misuse, any "Confidential Information", pertaining to
the Company (except as may be required under legal process by subpoena or other
court order; provided that Employee will take reasonable steps to give the
Company sufficient prior written notice in order to contest such requirement or
order) including, without limitation, all (i) data or trade secrets, including
secret processes, formulas or other technical data; (ii) production methods;
(iii) customer lists; (iv) personnel lists; (v) proprietary information; (vi)
financial or corporate records; (vii) operational, sales, promotional and
marketing methods and techniques; (viii) development ideas, acquisition
strategies and plans; (ix) financial information and records; (x) "know-how" and
methods of doing business; and (xi) computer programs, including source codes
and/or object codes and other proprietary, competition-sensitive or technical
information or secrets developed with or without the help of Employee. Employee
acknowledges that any such information or data he may have acquired was received
in confidence and by reason of his relationship to the Company. Confidential
Information, data or trade secrets shall not include any information which: (a)
at the time of disclosure is within the public domain or is generally known
within the industry; (b) after disclosure becomes a part of the public domain or
generally known within the industry through no fault, act or failure to act,
error, effort or breach of this Agreement by Employee; (c) is known to the
recipient at the time of disclosure; (d) is subsequently discovered by Employee
independently of any disclosure by the Company; (e) is required by order,
statute or regulation, of any governmental authority to be disclosed to any
federal or state agency, court or other body; or (f) is obtained from a third
party who has acquired a legal right to possess and disclose such information.
Notwithstanding anything in this Agreement to the contrary, this Section 6.1
shall have no application during the period following the Term of this Agreement
in the event that this Agreement is terminated by the Employee pursuant to
Section 7.2(d) or (e) of this Agreement.

                  6.2 RECORDS. All documents, papers, materials, notes, books,
correspondence, drawings and other written and graphic records relating to the
Business of the Company which Employee shall prepare or use, or come into
contact with, shall be and remain the sole property of the Company and,
effective immediately upon the termination of the Employee's employment with the
Company for any reason, shall not be removed from the Company's premises without
the Company's prior written consent and any such documents, papers, materials,
notes, books, correspondence, drawings and other written and graphic records in
his possession or under his control shall be immediately returned to the
Company.

                  6.3 IDEAS AND INVENTIONS. Employee agrees to assign to the
Company all Employee's right, title and interest in or to any and all ideas,
concepts, know-how, techniques, processes, methods, applications, inventions,
discoveries, developments, innovations and improvements ("Inventions") which
relate in any respect to the Company, its parent company or their subsidiaries
or their businesses as they now or hereafter exist which Employee conceives,
creates, designs, develops and/or makes, whether alone or with others, during
Employee's employment with the Company. Employee agrees to disclose all such
Inventions to the Company promptly, and to provide all assistance reasonably
requested by the Company in the preservation of its interests in the Inventions,
such as by executing documents, testifying, etc., such assistance to be provided
at the Company's expense but without any additional compensation to Employee,
unless Employee is called upon to render such assistance after the termination

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of this Agreement for any reason, at which time Employee shall be entitled to a
fair and reasonable rate of compensation for such assistance and provided that
any such assistance shall not unreasonably interfere with any business or other
activities in which Employee may be engaged. Employee shall, at the request and
expense of the Company, assist the Company or its nominees to obtain patents for
such Inventions for which the Company, its parent company or their subsidiaries
has or obtains any right, title or interest in any countries throughout the
world. Such Inventions shall be the property of the Company or its nominees,
whether patented or not. Employee shall and does, without charge to the Company,
assign to the Company, all Employee's right, title, and interest in and to such
Inventions, including without limitation patents and patent applications and
reissues thereof. Employee agrees to execute, acknowledge, and deliver any
instruments confirming the complete ownership by the Company of such Inventions.
Such assignments shall include the right to sue for infringement.

                  6.4. COPYRIGHTS. Employee agrees that any Invention or other
work (collectively hereinafter called "Work") prepared, developed or produced by
Employee while an Employee of the Company, whether alone or with others, and
which relates in any respect to the Company, its parent company or their
subsidiaries or their businesses and for which is eligible for copyright
protection in the United States or elsewhere shall be a work made for hire. If
any such Work is deemed for any reason not to be a work made for hire, Employee
shall assign all right, title and interest in the copyright in such Work, and
all extensions and renewals thereof, to Company, and agrees to provide all
assistance reasonably requested by Company in the establishment, preservation
and enforcement of its copyright in such Work, such assistance to be provided at
Company's expense but without any additional compensation to Employee, unless
Employee is called upon to render such assistance after the termination of this
Agreement for any reason, at which time Employee shall be entitled to a fair and
reasonable rate of compensation for such assistance and provided that any such
assistance shall not unreasonably interfere with any business or other
activities in which Employee may be engaged. Employee agrees to waive all moral
rights relating to the Work developed or produced, including without limitation
any and all rights of identification of authorship and any and all rights of
approval, restriction or limitation on use or subsequent modifications.

                                   ARTICLE VII

                                   TERMINATION

                  7.1 TERMINATION FOR CAUSE. This Agreement and the employment
of Employee may be terminated by the Company "For Cause" under any one of the
following circumstances:

                  (a) Employee has committed any material act of fraud,
         misappropriation or theft against the Company.

                  (b) Employee's default or breach of any material provision of
         this Agreement; provided, that Employee shall not be in default
         hereunder unless (i) he shall have failed to cure such default or
         breach within thirty (30) days of written notice thereof by the Company

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         to Employee or (ii) Employee shall have duly received notice of at
         least three (3) prior instances of such breach or default (whether or
         not cured by Employee).

                  (c) Employee engages in gross negligence, malfeasance or
         willful misconduct in the performance of his duties hereunder;
         provided, that Employee shall not be in default hereunder unless (i) he
         shall have failed to cure such default or breach within thirty (30)
         days of written notice thereof by the Company to Employee, or (ii)
         Employee shall have duly received notice of at least three (3) prior
         instances of such breach or default (whether or not cured by Employee).

                  (d) At the election of the Employee (except for an election
         pursuant to Section 7.2(d) or (e) of this Agreement).

                  (e) The conviction (or plea of no contest) of Employee of a
         crime involving moral turpitude (not including driving while under the
         influence of alcohol unless Employee is convicted on more than one
         occasion or if he is incarcerated for more than 45 days) by a court of
         competent jurisdiction as to which no further appeal can be taken.

                  (f) The willful, continued and unreasonable failure by
         Employee to comply in all material respects with the Company's written
         conflict of interest policy, previously made known to Employee, if any,
         then in effect; provided that (i) Employee shall not be in default
         hereunder unless he shall have failed to cure such default within
         thirty (30) days of written notice thereof by the Company to the
         Employee or (ii) Employee shall have received written notice of at
         least three prior instances of such breach or default (whether or not
         cured by Employee).

                  (g) The knowing engagement in any activity which would
         constitute a material violation of the provisions of the Company's
         insider trading policy or business ethics policy, if any, then in
         effect and previously made known to Employee.

                  (h) At the election of the Company upon Employee's breach of
         any material provision of that certain Agreement and Plan of Stock
         Purchase by and among Compass Knowledge Holdings, Inc., Compass
         Acquisition Corp., and Larry G. Rowedder, Nancy Rowedder, Tammy
         Anderson, Mike Rowedder, Gina Rowedder, Jacquelyn Rowedder, Larry G.
         Rowedder As Custodian For Jessica Anderson Under The Ohio Transfers To
         Minors Act and Michael Rutherford and Jamita, Inc. of even date
         herewith (the "Stock Purchase Agreement"); provided, that Employee
         shall not be in default under the Stock Purchase Agreement unless (i)
         he shall have failed to cure such default or breach within thirty (30)
         days of written notice thereof by the Company or CKHI to Employee, or
         (ii) Employee shall have duly received notice of at least three (3)
         prior instances of such breach or default (whether or not cured by
         Employee).

                  A termination For Cause under this Section 7.1 shall be
effective upon the date set forth in a written notice of termination delivered
by the Company to Employee.

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                  7.2 TERMINATION WITHOUT CAUSE. This Agreement and the
employment of the Employee may be terminated "Without Cause" as follows:

                  (a) By mutual agreement of the parties hereto.

                  (b) At the election of the Company by its giving not less than
         sixty (60) days prior written notice to Employee in the event of an
         illness or incapacity described in Article 5.1.

                  (c) Upon Employee's death.

                  (d) At the election of Employee upon the Company's default or
         breach of any material provision of this Agreement; provided, that the
         Company shall not be in default hereunder unless (i) it shall have
         failed to cure such default or breach within thirty (30) days of
         written notice thereof by the Employee to the Company or (ii) the
         Company shall have duly received notice of at least three (3) prior
         instances of such breach or default (whether or not cured by the
         Company).

                  (e) At the election of Employee upon the Company's or CKHI's
         breach of any material provision of the Stock Purchase Agreement;
         provided, that the Company or CKHI, as the case may be, shall not be in
         default under the Stock Purchase Agreement unless (i) it shall have
         failed to cure such default or breach within thirty (30) days of
         written notice thereof by the Employee to the Company or CKHI, as the
         case may be, or (ii) the Company or CKHI, as the case may be, shall
         have duly received notice of at least three (3) prior instances of such
         breach or default (whether or not cured by the Company or CKHI).

                  A termination Without Cause under Section 7.2(b), 7.2(d) or
7.2(e) hereof shall be effective upon the date set forth in a written notice of
termination delivered in accordance with the notice provisions of such sections.
A termination Without Cause under Sections 7.2(a) or (c) shall be automatically
effective upon the date of mutual agreement or the date of death of the
Employee, as the case may be.

                  7.3 EFFECT OF TERMINATION FOR CAUSE. If Employee's employment
is terminated "For Cause":

                  (a) Employee shall be entitled to accrued base salary under
         Section 3.1 hereof through the date of termination.

                  (b) Employee shall be entitled to accrued bonuses, if any,
         under Section 3.2 and benefits under Section 3.4 hereof through the
         date of termination, subject to any right to continue said benefits at
         Employee's cost as provided by law and as provided in any benefit plan
         in which Employee is a participant.

                  (c) Employee shall be entitled to reimbursement for expenses
         accrued through the date of termination in accordance with the
         provisions of Section 4.1 hereof.

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                  (d) All unvested Option Shares, if any, under Section 3.3
         hereof shall be immediately forfeited.

                  (e) Employee shall be required to repay (and the Company and
         CKHI may withhold) any and all Incentive Payments (as that term is
         defined in the Stock Purchase Agreement) which CKHI is otherwise
         required to pay to Employee and the other Rowedder Stockholders (as
         that term in the Stock Purchase Agreement) with respect to any and all
         Incentive Payments which are calculated based upon "Formula Revenues
         Derived from Additional Business" (as that term is defined in the Stock
         Purchase Agreement) and collected subsequent to the date of
         termination.

                  (f) Except as provided in Article X, this Agreement shall
         thereupon terminate and cease to be of any further force or effect.

                  7.4 EFFECT OF TERMINATION WITHOUT CAUSE. If Employee's
employment is terminated "Without
Cause":

                  (a) Employee shall be entitled to (i) one (1) year's base
         salary, or (ii) the base salary for the remaining Term of this
         Agreement, if less than one (1) year.

                  (b) Employee shall be entitled to reimbursement for expenses
         accrued through the date of termination in accordance with the
         provisions of Section 4.1 hereof.

                  (c) Employee shall be entitled to accrued bonuses under
         Section 3.2 and benefits under Section 3.4 hereof through the date of
         termination, subject to any right to continue said benefits at
         Employee's cost as provided by law and as provided in any benefit plan
         in which Employee is a participant.

                  (d) All unvested Option Shares under Section 3.3 hereof shall
         immediately vest in full.

                  (e) Except as provided in Article XI, this Agreement shall
         thereupon terminate and cease to be of any further force or effect.

                                  ARTICLE VIII

                      NON-COMPETITION AND NON-INTERFERENCE

         8.1 NONCOMPETITION; NONSOLICITATION. As an inducement to the Company to
execute this Agreement and in order to preserve the goodwill associated with the
business of the Company, its parent company and their subsidiaries and in
addition to and not in limitation of any covenants contained in any agreements
executed and delivered herewith, Employee hereby covenants and agrees as
follows:

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                  (a) COVENANT NOT TO COMPETE. During the term of this Agreement
         and for a period of two (2) years after the effective date of a
         Termination For Cause, Employee will not directly or indirectly, within
         the Territory, act as an officer, manager, executive, consultant,
         advisor or agent or controlling shareholder, partner or member to any
         business or otherwise engage in any business which is competitive,
         either directly or indirectly, with the Business, as defined herein,
         nor shall Employee become employed by such a business in a capacity
         which would require Employee to carry out, in whole or in part, either
         directly or indirectly, the duties Employee has performed or is
         expected to perform for the Company or which are competitive with the
         Business or otherwise engage in any practice the purpose of which is to
         evade the provisions of this covenant not to compete or to commit any
         act which adversely affects the Company, its parent company and their
         subsidiaries or their business. For purposes of this Article VIII, the
         "Business" shall be defined as creating, designing, developing, owning,
         leasing and/or operating distributed learning and education business
         and other related businesses as are being conducted by the Company (or
         such business as is under development) at the time of such termination.
         For purposes of this Article VIII, the "Territory" shall be defined as
         the United States of America. Notwithstanding anything herein to the
         contrary, Employee shall not be restricted from performing services for
         the Mayerson Academy for Human Resource Development, located in
         Cincinnati, Ohio.

                  (b) NONSOLICITATION; EMPLOYEES. Employee agrees that during
         the Term of this Agreement and for two (2) years after the effective
         date of a Termination For Cause, Employee will not offer employment to
         any person who was employed by the Company, its subsidiaries as of the
         effective date of a Termination For Cause without the prior written
         consent of the Company.

                  (c) NONSOLICITATION; CUSTOMERS. Employee agrees that, during
         the Term of this Agreement and for two (2) years after the effective
         date of a Termination For Cause, Employee will not solicit customers or
         clients of the Company, its parent company or their subsidiaries, with
         a view to interfering or competing with the business of the Company,
         its parent company or their subsidiaries or providing any product or
         service that is provided by the Company, its parent company or their
         subsidiaries.

         Notwithstanding the foregoing, the restrictive covenants shall not
prohibit the ownership of securities of corporations which are listed on a
national securities exchange or traded in the national over-the-counter market
in an amount which shall not exceed 5% of the outstanding shares of any such
corporation. The parties agree that the Company may sell, assign or otherwise
transfer this covenant not to compete, in whole or in part, to any person,
corporation, firm or entity that purchases all or substantially all of the
Company's assets (and assumes the obligations of the Company) or stock. In the
event a court of competent jurisdiction determines that the provisions of the
restrictive covenants are excessively broad as to duration, geographical scope
or activity, it is expressly agreed that the restrictive covenants shall be
construed so that the remaining provisions shall not be affected, but shall
remain in full force and effect, and any such over broad provisions shall be
deemed, without further action on the part of any person, to be modified,
amended and/or limited, but only to the extent necessary to render the same
valid and enforceable in such jurisdiction.

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                  8.2. EQUITABLE RELIEF FOR VIOLATIONS. Employee agrees that the
provisions and restrictions contained in this Section are necessary to protect
the legitimate continuing interests of the Company, its parent company and their
subsidiaries and that any violation or breach of these provisions will result in
irreparable injury to the Company, its parent company and their subsidiaries for
which a remedy at law would be inadequate and that, in addition to any relief at
law which may be available to the Company, its parent company or their
subsidiaries for such violation or breach and regardless of any other provision
contained in this Agreement, the Company, its parent company and their
subsidiaries shall be entitled to injunctive and other equitable relief as a
court may grant after considering the intent of this Section.

                                   ARTICLE IX

                                  MISCELLANEOUS

                  9.1 NO WAIVERS. The failure of either party to enforce any
provision of this Agreement shall not be construed as a waiver of any such
provision, nor prevent such party thereafter from enforcing such provision or
any other provision of this Agreement.

                  9.2 NOTICES. Any notice to be given to the Company and
Employee under the terms of this Agreement may be delivered personally, by
telecopy, telex or other form of written electronic transmission, or by
registered or certified mail, postage prepaid, and shall be addressed as
follows:

         IF TO THE COMPANY:            2710 Rew Circle
                                       Ocoee, FL 34761
                                       Attention: Rogers W. Kirven, Jr.
                                       Fax: (407) 656-7585

         IF TO EMPLOYEE:               Larry G. Rowedder
                                       6944 Foxhill Lane
                                       Cincinnati, OH 45235

         WITH COPIES TO:               Graydon Head & Ritchey LLP
                                       1900 Fifth Third Center
                                       511 Walnut Street
                                       Cincinnati, Oh 45202
                                       Attention:  John J. Kropp, Esq.
                                       Fax: (513) 651-3836

         Either party may hereafter notify the other in writing of any change in
address. Any notice shall be deemed duly given (i) when personally delivered,
(ii) when telecopied, telexed or transmitted by other form of written electronic
transmission (upon confirmation of receipt) or (iii) on the third day after it
is mailed by registered or certified mail, postage prepaid, as provided herein.

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                  9.3 SEVERABILITY. The provisions of this Agreement are
severable and if any provision of this Agreement shall be held to be invalid or
otherwise unenforceable, in whole or in part, the remainder of the provisions,
or enforceable parts thereof, shall not be affected thereby.

                  9.4 SUCCESSORS AND ASSIGNS. The rights and obligations of the
Company under this Agreement shall inure to the benefit of and be binding upon
the successors and assigns of the Company, including the survivor upon any
merger, consolidation, share exchange or combination of the Company with any
other entity. Except as provided in the preceding sentence, neither the Company
or Employee shall not have the right to assign, delegate or otherwise transfer
any duty or obligation to be performed by it or him hereunder to any person or
entity.

                  9.5 ENTIRE AGREEMENT. This Agreement supersedes all prior and
contemporaneous agreements and understandings between the parties hereto, oral
or written, and may not be modified or terminated orally. No modification,
termination or attempted waiver shall be valid unless in writing, signed by the
party against whom such modification, termination or waiver is sought to be
enforced. This Agreement was the subject of negotiation by the parties hereto
and their counsel. The parties agree that no prior drafts of this Agreement
shall be admissible as evidence (whether in any arbitration or court of law) in
any proceeding which involves the interpretation of any provisions of this
Agreement.

                  9.6 GOVERNING LAW. This Agreement shall be governed by and
construed in accordance with the internal laws of the State of Florida without
reference to the conflict of law principles thereof.

                  9.7 SECTION HEADINGS. The section headings contained herein
are for the purposes of convenience only and are not intended to define or limit
the contents of said sections.

                  9.8 FURTHER ASSURANCES. Each party hereto shall cooperate and
shall take such further action and shall execute and deliver such further
documents as may be reasonably requested by the other party in order to carry
out the provisions and purposes of this Agreement.

                  9.9 GENDER. Whenever the pronouns "he" or "his" are used
herein they shall also be deemed to mean "he" or "his" or "it" or "its" whenever
applicable. Words in the singular shall be read and construed as though in the
plural and words in the plural shall be read and construed as though in the
singular in all cases where they would so apply.

                  9.10 COUNTERPARTS. This Agreement may be executed in
counterparts, all of which taken together shall be deemed one original.

                  9.11 INDEMNIFICATION. The Company shall to be fullest extent
permitted by law indemnify, defend and hold harmless Employee from and against
any and all claims, demands, liabilities, damages, losses and expenses
(including reasonable attorneys fees, court costs and disbursements) arising out
of the performance by him of his duties hereunder except in the case of his
willful misconduct or actions by Employee outside the scope of his
responsibilities and duties as set forth herein. The Company will carry
directors and officers insurance with limits of not less than $2,000,000 and a
deductible of not less than $50,000.

                                       26
<PAGE>   13

                  9.12 BOARD OF DIRECTORS. During the Term of this Agreement, as
a condition to Employee's obligations hereunder, he will be elected to the
Company's Board of Directors.

                                    ARTICLE X

                                    SURVIVAL

                  10.1 SURVIVAL. The provisions of Articles VI, VII, VIII, and
IX, of this Agreement shall survive the termination of this Agreement.

         [THE REMAINDER OF THIS PAGE HAS BEEN INTENTIONALLY LEFT BLANK]

                                       27
<PAGE>   14

                  IN WITNESS WHEREOF, the parties hereto have executed this
Agreement as of the date first above written.

                                  Jamita, Inc.
                                  a Ohio corporation,

                                  By:  /s/ Michael Rutherford
                                      ---------------------------------------
                                  Title: President
                                      ---------------------------------------

                                   EMPLOYEE

                                   /s/ Larry G. Rowedder
                                   ------------------------------------------
                                   Larry G. Rowedder

                                     CONSENT

         The undersigned individuals hereby agree and provide their consent to
the withholding by the Company and CKHI of any Incentive Payments that would
otherwise be paid to them saving Section 7.3(e) of this Agreement.

                                      /s/ Nancy Rowedder
                                      ---------------------------------------
                                      Nancy Rowedder

                                      /s/ Tammy Anderson
                                      ---------------------------------------
                                      Tammy Anderson

                                      /s/ Mike Rowedder
                                      ---------------------------------------
                                      Mike Rowedder

                                      /s/ Gina Rowedder
                                      ---------------------------------------
                                      Gina Rowedder

                                      /s/ Jacquelyn Rowedder
                                      ---------------------------------------
                                      Jacquelyn Rowedder

                                      /s/ Larry G. Rowedder
                                      ---------------------------------------
                                       Larry G. Rowedder as Custodian for
                                       Jessica Anderson under the Ohio
                                       Transfers to Minors Act.

                                       28<PAGE>   1
                                                                   EXHIBIT 10.14

                                    EXHIBIT F

                             MUTUAL GENERAL RELEASE

         MUTUAL GENERAL RELEASE of Larry G. Rowedder, Nancy Rowedder, Tammy
         Anderson, Mike Rowedder, Gina Rowedder, Jacquelyn Rowedder, and Larry
         G. Rowedder as Custodian for Jessica Anderson Under the Ohio Transfers
         to Minors Act (collectively, the "Rowedder Stockholders"), Michael
         Rutherford ("Rutherford," and collectively with the Rowedder
         Stockholders, the "Stockholders"), Jamita, Inc., an Ohio corporation
         ("Jamita") and Rutherford Learning Group, Inc., a North Carolina
         corporation ("RLG"), executed effective as of 11:59 p.m. on July 31,
         2000.

                               STATEMENT OF FACTS

         A.       Stockholders are all of the shareholders of Jamita and
                  Rutherford is the sole shareholder of RLG.

         B.       This Release is being executed and delivered in accordance
                  with Sections 7.13 and 8.9 of the Agreement and Plan of Stock
                  Purchase (the "Agreement") by and among Compass Knowledge
                  Holdings, Inc., a Nevada corporation ("CKHI"), Compass
                  Acquisition Corp., a Florida corporation ("Acquisition
                  Corp."), Jamita and the Stockholders dated as of the date
                  hereof.

         C.       All terms not defined in this Release shall have the meanings
                  ascribed to such terms in the Agreement.

         D.       For good and valuable consideration, including without
                  limitation, the consideration described in the Agreement, the
                  receipt, adequacy and sufficiency of which are hereby
                  acknowledged, the Stockholders, Jamita and RLG agree as
                  follows:

                                    AGREEMENT

         1.       The parties hereto acknowledge that their execution and
                  delivery of this Release is a condition to the other parties'
                  obligations to consummate the Agreement and that such other
                  parties are relying on this Release in consummating such
                  transaction.

         2.       Each of the Stockholders, on behalf of himself or herself and
                  his or her successors, heirs, executors, administrators,
                  representatives, affiliates, agents and assigns, fully and
                  unconditionally forever releases and discharges Jamita, RLG,
                  CKHI, the Acquisition Corp., and all of the other Stockholders
                  and their successors, assigns, affiliates and subsidiaries

                                       1
<PAGE>   2

                  and, when acting in their capacities as such, each of their
                  respective officers, directors, employees, counsel, agents,
                  shareholders, and members, in each case past, current, or as
                  they may exist at any time after this date, and each person (a
                  "Control Person"), if any, who controls, controlled, or will
                  control any of them within the meaning of Section 15 of the
                  Securities Act of 1933, as amended, or Section 20(a) of the
                  Securities Exchange Act of 1934, as amended (collectively, the
                  "Releasees"), from any and all claims, demands, manners of
                  action, causes of action, agreements (including, without
                  limitation, any agreement(s) among the Stockholders and Jamita
                  and/or RLG and/or Rutherford or the former shareholders of
                  Jamita and/or RLG), bonds, bills, contracts, controversies,
                  agreements, promises, damages, judgments, debts or liabilities
                  whatsoever whether known or unknown, suspected or unsuspected,
                  both at law and in equity, which the Stockholders, or their
                  heirs, executors, administrators, representatives, affiliates,
                  agents, successors or assigns, now has, has ever had or may
                  hereafter have against the respective Releasees arising out of
                  any matter, cause or event occurring contemporaneously with or
                  prior to the date hereof arising with respect to Jamita and/or
                  RLG (including their activities and assets) and the
                  Stockholders' ownership interest therein and employment
                  thereby, if any, including, without limitation, any agreement
                  regarding accounts payable and/or expense reimbursements
                  allegedly due Larry G. Rowedder and/or Michael Rutherford;
                  PROVIDED, HOWEVER, that nothing contained herein shall operate
                  to release any (i) obligations of CKHI or the Acquisition
                  Corp. arising under the Agreement and the transaction
                  documents executed in connection therewith, or any claim or
                  cause of action against Releasees on account of or arising out
                  of the Agreement and the transaction documents executed in
                  connection therewith.

         3.       Jamita and RLG, on behalf of themselves and their successors,
                  assigns, affiliates and subsidiaries and, when acting in their
                  capacities as such, each of their respective officers,
                  directors, employees, counsel, agents, shareholders, and
                  members, in each case past, current, or as they may exist at
                  any time after this date, and each Control Person, fully and
                  unconditionally forever releases and discharges the
                  Stockholders and their successors, heirs, executors,
                  administrators, representatives, affiliates, agents and
                  assigns (collectively, the "Stockholder Releasees"), from any
                  and all claims, demands, manners of action, causes of action,
                  agreements (including, without limitation, any agreement(s)
                  among the Stockholders and Jamita and/or RLG and/or the former

                                       2
<PAGE>   3

                  shareholders of Jamita), bonds, bills, contracts,
                  controversies, agreements, promises, damages, judgments, debts
                  or liabilities whatsoever whether known or unknown, suspected
                  or unsuspected, both at law and in equity, which Jamita and/or
                  RLG, or their successors, assigns, affiliates and subsidiaries
                  and, when acting in their capacities as such, each of their
                  respective officers, directors, employees, counsel, agents,
                  shareholders, and members, in each case past, current, or as
                  they may exist at any time after this date, and each Control
                  Person, now has, or has ever had or may hereafter have against
                  the respective Releasees arising out of any matter, cause or
                  event occurring contemporaneously with or prior to the date
                  hereof arising with respect to Jamita and/or RLG (including
                  their activities and assets) and the Stockholders' ownership
                  interest therein and employment thereby, if any, including,
                  without limitation, any agreement regarding accounts payable
                  and/or expense reimbursements allegedly due Larry G. Rowedder
                  and/or Michael Rutherford; PROVIDED, HOWEVER, that nothing
                  contained herein shall operate to release any (i) obligations
                  of the Stockholder Releasees to CKHI and/or the Acquisition
                  Corp. arising under the Agreement and the transaction
                  documents executed in connection therewith, (ii) any
                  Stockholder Releasee acting outside the scope of his duty
                  and/or responsibility as contemplated in or by any agreement
                  entered into between the parties, (iii) willful misconduct of
                  any of the Stockholder Releasees, or (iv) any claim or cause
                  of action against Stockholder Releasee to CKHI and/or the
                  Acquisition Corp. on account of or arising out of the
                  Agreement and the transaction documents executed in connection
                  therewith.

         4.       Except as stated in the Agreement, the parties hereto
                  acknowledge and agree that the Stockholders (saving
                  Rutherford) shall be solely responsible for their pro rata
                  share (based on their respective share ownership percentages
                  in Jamita assuming the Rowedder Stockholders owned 100% of
                  Jamita) of the legal and accounting fees and expenses incurred
                  on behalf of Jamita and/or the Stockholders, payable to
                  Graydon Head & Ritchey LLP and Barnes Dennig & Co. Ltd., in
                  connection with the transaction contemplated by the Agreement.
                  The parties hereto further acknowledge and agree that
                  Rutherford shall be solely responsible for any and all legal
                  and accounting fees and expenses incurred on behalf of
                  Rutherford and/or RLG by legal counsel and accountants of
                  Rutherford's and/or RLG's choice in connection with the
                  transaction contemplated by the Agreement and any other
                  transaction with CKHI and Acquisition Corp. The parties hereto
                  fully and unconditionally forever release and discharge the
                  other parties hereto from any and all claims, demands, manners
                  of action, causes of action, agreements, bonds, bills,
                  contracts, controversies, agreements, promises, damages,
                  judgments, debts or liabilities whatsoever whether known or
                  unknown, suspected or unsuspected, both at law and in equity,
                  which such party, or its successors, heirs, executors,
                  administrators, representatives, affiliates, agents and
                  assigns now has, has ever had or may hereafter have against
                  the others arising with respect to such fees and expenses.

         5.       The undersigned hereby irrevocably covenant to refrain from,
                  directly or indirectly, asserting any claim or demand, or
                  commencing, instituting or causing to be commenced, any

                                       3
<PAGE>   4

                  proceeding of any kind against any Releasee or Stockholder
                  Releasee, based upon any matter purported to be released
                  hereby.

         6.       Without in any way limiting any of the rights and remedies
                  otherwise available to any Releasee or Stockholder Releasee,
                  the undersigned shall indemnify and hold harmless each
                  Releasee and Stockholder Releasee from and against all loss,
                  liability, claim, damage (including incidental and
                  consequential damages) or expense involving third party
                  claims, arising directly or indirectly from or in connection
                  with (i) the assertion by or on behalf of the undersigned, or
                  his, her, or its heirs, personal representatives, successors,
                  assigns, affiliates and subsidiaries and, when acting in their
                  capacities as such, each of their respective officers,
                  directors, employees, counsel, agents, shareholders, and
                  members, in each case past, current, or as they may exist at
                  any time after this date, and each Control Person, of any
                  claim or other matter purported to be released pursuant to
                  this Release and (ii) the assertion by any third party of any
                  claim or demand against any Releasee or Stockholder Releasee
                  which claim or demand arises directly or indirectly from, or
                  in connection with, any assertion by or on behalf of the
                  undersigned, or his heirs, personal representatives,
                  successors, assigns, affiliates and subsidiaries and, when
                  acting in their capacities as such, each of their respective
                  officers, directors, employees, counsel, agents, shareholders,
                  and members, in each case past, current, or as they may exist
                  at any time after this date, and each Control Person, against
                  such third party of any claims or other matters purported to
                  be released pursuant to this Release.

         7.       If any immaterial provision of this Release is held invalid or
                  unenforceable by any court of competent jurisdiction, the
                  other provisions of this Release will remain in full force and
                  effect. Any provision of this Release held invalid or
                  unenforceable only in part or degree will remain in full force
                  and effect to the extent not held invalid or unenforceable.

         8.       This Release may not be changed except in a writing signed by
                  the person(s) against whose interest such change shall
                  operate. This Release shall be governed by and construed under
                  the laws of the State of Florida without regard to principles
                  of conflicts of law.

         9.       All words used in this Release will be construed to be of such
                  gender or number as the circumstances require.

            (THE REMAINDER OF THIS PAGE IS INTENTIONALLY LEFT BLANK)

                                       4
<PAGE>   5

IN WITNESS WHEREOF, the Stockholders and Jamita have executed and delivered this
Release effective as of the date set forth above.

                                         STOCKHOLDERS:

                                         /s/ Larry G. Rowedder
                                         -------------------------------------
                                         Larry G. Rowedder

                                         /s/ Nancy Rowedder
                                         -------------------------------------
                                         Nancy Rowedder

                                         /s/ Tammy Anderson
                                         -------------------------------------
                                         Tammy Anderson

                                         /s/ Mike Rowedder
                                         -------------------------------------
                                         Mike Rowedder

                                         /s/ Gina Rowedder
                                         -------------------------------------
                                         Gina Rowedder

                                         /s/ Jacquelyn Rowedder
                                         -------------------------------------
                                         Jacquelyn Rowedder

                                         /s/ Larry G. Rowedder
                                         -------------------------------------
                                         Larry G. Rowedder as Custodian for
                                         Jessica Anderson under the Ohio
                                         Transfers to Minors Act

                                         /s/ Michael Rutherford
                                         -------------------------------------
                                         Michael Rutherford

                                        "JAMITA"

                                         JAMITA, INC.

                                         By: /s/ Larry G. Rowedder
                                            ----------------------------------

                                         "RLG"

                                          RUTHERFORD LEARNING GROUP, INC.

                                          By: /s/ Michael Rutherford
                                            ----------------------------------

                                       5

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