Document:

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Exhibit 10.13

                              MANAGEMENT AGREEMENT

         THIS MANAGEMENT AGREEMENT (the "Agreement") by and between Silver
Ramona Mining, Inc., (the "Owner"), and L. D. Moran (the "Manager"); executed
this 1st day of January, 2001.

                                    RECITALS

         WHEREAS, Silver Ramona Mining, Inc., is the owner of all rights to the
Silver Ramona Mining, Inc., testing and employment software program and its
national distribution system; and

         WHEREAS, Manager is an employee of, and intends to serve as President
of L+R Moran, Inc., and

         WHEREAS, Owner is purchasing the assets of L+R Moran, Inc.,; and

         WHEREAS, Manager plans to enter into this Agreement whereby Manager
will provide professional management services to the Owner; and

         WHEREAS, Owner will provide compensation for the services provided by
the Manager in connection with the management of the assets of L+R Moran, Inc.
purchased by Owner; and

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

                                   WITNESSETH:

         1. CONTRACTUAL DUTIES. Owner hereby engages Manager and Manager agrees
to accept the responsibility, as manager of the assets of L+R Moran, Inc.
purchased by Owner, to perform the services of supervising, managing and
consulting with respect to such assets on behalf of Owner.

         2. COMPENSATION. As compensation for the services provided by Manager,
Owner will pay L. D. Moran annual fees in the amount of $97,500.00, payable as
agreed upon by Owner and L. D. Moran; additionally, L. D. Moran, his senior
management, mid management and employees shall receive corporate stock options
as per Silver Ramona Mining, Inc.'s Stock Option Plan.

         3. EXPENSE REIMBURSEMENT. Owner will reimburse L. D. Moran for
reasonable travel expenses, automobile and insurance expenses in accordance with
the customary practices and business operations of Owner, and in accordance with
the policies and procedures of the Owner.

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         4. BENEFITS. L. D. Moran shall be entitled to employment benefits
including health insurance consistent with those presently in effect with Owner.
Manager will also be allowed to participate in any profit sharing and/or
retirement plan in effect at Owner, at the time of this Agreement or as many be
amended from time to time.

         5. CONFIDENTIALITY. L. D. Moran, as manager of the assets of L+R Moran,
Inc. purchased by Owner, recognizes that L+R Moran, Inc., and Silver Ramona
Mining, Inc., have and will have information considered to be proprietary and
confidential and that he will have access to such information. The term
"Confidential Information" shall include, but not be limited to, any and all
forms, manuals, marketing materials, contracts, product design, customer lists,
software, price lists and other secret information disclosed to manager because
of his affiliation with Silver Ramona Mining, Inc., or L+R Moran, Inc.
Proprietary matters are unique assets and trade secrets of L+R Moran, Inc., and
Silver Ramona Mining, Inc. L. D. Moran agrees that he will not at any time or in
any manner either directly or indirectly disclose or provide to third parties
any Confidential Information without the prior written consent of Milton S.
Cotter. Manager agrees that a violation of this paragraph will entitle the Owner
to immediate equitable relief in an appropriate jurisdiction.

         6. TERM. This Agreement shall continue for a term of three years from
the effective date, with two additional three year options which may be
exercised by mutual agreement in writing by the parties to the Agreement,
provided, however, the Agreement may be terminated upon 30 days notice of any
breach of the terms of Agreement and failure to cure

         Upon termination of the Agreement, provided termination is not caused
by a material breach of the Agreement by Manager as discussed in paragraph 5.3,
Employer shall pay to Manager the balance of the salary through the end of the
term of this agreement. Manager may resign upon 90 days written notice to
Employer, but in that event, Manager will be entitled to receive only the salary
which has been earned up through the date of termination as indicated in the
Notice Letter. At time of termination, Manager shall have the right to exercise
any and all available stock options granted to him at the time of termination;
and additionally, Employer may purchase all shares of stock in Silver

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Ramona Mining, Inc., owned by Manager at the time of termination at the then
prevailing market price per share.

         7. ENTIRE AGREEMENT. This Agreement contains all the controlling terms
and provisions agreed upon by the parties supersedes any and all prior written
or oral agreements between the parties. Any amendments to the Agreement must be
agreed upon in writing and signed by both parties.

         8. GOVERNING LAW. This Agreement is executed in Tarrant County, Texas.,
and is deemed governed by the laws of the State of Texas.

         Executed in multiple counterparts the date first hereinabove written.

                                           Silver Ramona Mining, Inc. ("Owner")

                                           By:
                                              -------------------------------
                                                Milton S. Cotter, President

                                           Manager

                                           ------------------------------
                                               L. D. Moran

                                       3<PAGE>

Exhibit 10.14

                           SILVER RAMONA MINING, INC.
                               BOARD OF DIRECTORS
                                  STOCK OPTION

         Silver Ramona Mining, Inc., a Delaware corporation maintaining offices
and principal place of business in Grand Prairie, Texas ("Company") for and in
consideration of the sum of Ten Dollars ($10.00) to it in hand paid by L. D.
Moran ("Moran") and other good and valuable consideration, is GRANTED and by
these presents does GRANT unto Moran the right and option to purchase 100,000
shares of authorized and unissued and common stock of Company ("Shares") subject
to the following terms and conditions:

         1. PURPOSE. The Purpose of the Stock Option Plan is to attract and
retain outstanding key management personnel and to reward directors of the
Company for loyal service and to stimulate an active interest in the development
and financial success of the Company.

         2. ADMINISTRATION. This plan shall be administered by an executive
compensation committee appointed by the Board of Directors of the Company. The
committee shall not consist of less than three members of the Board of
Directors.

         3. PURCHASE PRICE. The purchase price for each share of stock issued
pursuant to this option is $1.00 per share.

         4. EXERCISE OF OPTIONS. Moran is provided options by Company pursuant
to this Stock Option Agreement as follows:

         30,000 Shares offered and available at the end of the first calendar
year of service on the Board;

         35,000 Shares offered and available at the end of the second calendar
year of service on the Board; and

         35,000 Shares offered and available at the end of the third calendar
year of service on the Board.

         The right to exercise each of the options provided in this Section Four
is limited to the time period stated above. The option may be exercised in each
prescribed period by the delivery of written notice to Company at the address of
its principal office advising of Moran's intent to exercise the

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option and such notice shall specify the number of shares as to which the option
is being exercised. Shares will be issued within seven (7) days after receipt of
the notice.

         5. NON-TRANSFERABILITY. An option granted under this plan may not be
transferred except by will or the laws of descent and distribution and, during
the lifetime of Moran, it may be governed in accordance with this Option
Agreement or with the terms of that Management Agreement of even date herewith.

         6. VIOLATION OF APPLICABLE LAW. This option may not be exercised if the
issuance of the Shares covered hereby and anytime would constitute a violation
of existing applicable federal or state securities law rule or regulation.
Moran, as a condition to his exercise of the option, shall at the time of each
exercise of the option, represent to the Company in form and manner satisfactory
to Company and its counsel, that the Shares to which the option is being
exercised are being acquired for investment purposes only, and not with a view
toward distribution or resale.

         7. TERM. This stock option shall terminate in any event at the
expiration of five years from the effective date.

         IN WITNESS WHEREOF, the Company has caused this instrument to be
executed on this _____ day of _________________, 20__.

                                            Silver Ramona Mining, Inc.

                                            By:
                                               ---------------------------------
                                                     President<PAGE>

Exhibit 10.15

                           SILVER RAMONA MINING, INC.
                                SENIOR MANAGEMENT
                                  STOCK OPTION

         Silver Ramona Mining, Inc., a Delaware corporation maintaining offices
and principal place of business in Grand Prairie, Texas ("Company") for and in
consideration of the sum of Ten Dollars ($10.00) to it in hand paid by L. D.
Moran ("Moran") other good and valuable consideration, is GRANTED and by these
presents does GRANT unto Moran the right and option to purchase 100,000 shares
of authorized and unissued and common stock of Company ("Shares") subject to the
following terms and conditions:

         1. PURPOSE. The Purpose of the Stock Option Plan is to attract and
retain outstanding key management personnel and to reward directors of the
Company for loyal service and to stimulate an active interest in the development
and financial success of the Company.

         2. ADMINISTRATION. This plan shall be administered by an executive
compensation committee appointed by the Board of Directors of the Company. The
committee shall not consist of less than three members of the Board of
Directors.

         3. PURCHASE PRICE. The purchase price for each share of stock issued
pursuant to this option is $1.00 per share.

         4. EXERCISE OF OPTIONS. Moran is provided options by Company pursuant
to this Stock Option Agreement as follows:

         30,000 Shares offered and available at the end of the first calendar
year of service with the Company;

         35,000 Shares offered and available at the end of the second calendar
year of service with the Company; and

         35,000 Shares offered and available at the end of the third calendar
year of service with the Company.

         The right to exercise each of the options provided in this Section Four
is limited to the time period stated above. The option may be exercised in each
prescribed period by the delivery of written notice to Company at the address of
its principal office advising of Moran's intent to exercise the

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option and such notice shall specify the number of shares as to which the option
is being exercised. Shares will be issued within seven (7) days after receipt of
the notice.

         5. NON-TRANSFERABILITY. An option granted under this plan may not be
transferred except by will or the laws of descent and distribution and, during
the lifetime of Moran, it may be governed in accordance with this Option
Agreement or with the terms of that Management Agreement of even date herewith.

         6. VIOLATION OF APPLICABLE LAW. This option may not be exercised if the
issuance of the Shares covered hereby and anytime would constitute a violation
of existing applicable federal or state securities law rule or regulation.
Moran, as a condition to his exercise of the option, shall at the time of each
exercise of the option, represent to the Company in form and manner satisfactory
to Company and its counsel, that the Shares to which the option is being
exercised are being acquired for investment purposes only, and not with a view
toward distribution or resale.

         7. TERM. This stock option shall terminate in any event at the
expiration of five years from the effective date.

         IN WITNESS WHEREOF, the Company has caused this instrument to be
executed on this 1st day of January, 2001.

                                               Silver Ramona Mining, Inc.

                                               By:
                                                  ------------------------------
                                                         President

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