Document:

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                                                                    EXHIBIT 10.1

PERSONAL AND CONFIDENTIAL

December 17, 1999

Mr. John L. Gray
103 Hillshire Drive
Barrington, IL 60010

Dear John:

I am pleased to confirm the terms on which you are joining APAC ("the Company").

Your title will be Senior Vice President and you will be the SBU head of the
strategic business unit known as CustomerAssistance.com, Inc., reporting to me
as a member of the Executive Committee. Your employment will commence on
December 20, 1999, with an unpaid personal leave from December 27-31, 1999. The
following employment terms will apply:

1.   Your starting base salary will be $275,000 on an annualized basis
     payable bi-weekly ("Base Salary"). Your Base Salary will be reviewed
     each year at the time when increases for executives of APAC are
     considered. At the present time, that occurs on or about March 1st of
     each year.

2.   You will be a participant in APAC's annual compensation plan ("Bonus")
     as it exists from year-to-year. While this plan is currently under
     review for 2000 and beyond, we envision an opportunity of 20%-40%-60
     for threshold-target-maximum performance, respectively. The payout of
     your Bonus will depend on APAC's meeting its budgeted financial
     performance and your meeting your individual and team performance goals
     that will be established each year between you and the executive to
     whom you report. The Bonus, if any, which is payable to you, will be
     determined by straight-line interpolation between the
     threshold-target-maximum performance percentages, depending on Company
     and individual performance.

3.   You will receive a signing bonus of $100,000, $50,000 payable upon the
     day you begin work, and the other $50,000 payable on February 28, 2000.

4.   You will be entitled to the benefits, paid vacation (four weeks) and
     perquisites normally available to Senior Vice President level
     employees. You will also be entitled to participate in all compensation
     or employee benefit plans or programs and to receive all benefits and
     perquisites for which any member of the Executive Committee, other than
     the Chairman, Chief Executive Officer, President or Chief Operating
     Officer, may be eligible under any existing or future plan or program
     for such persons at APAC or its majority-owned entities (other than
     those acquired by APAC after the date hereof).

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5.   Subject to the approval of the Compensation Committee, you will be
     granted options to purchase 300,000 shares of APAC stock at an exercise
     price equal to the mean between the high and the low prices at which
     APAC's common stock trades on the day you begin work at APAC as
     reported by Bloomberg Financial markets, such options to be issued
     pursuant to the option grant materials previously provided you ("Hire
     Grant"). This option will be subject to the approval by APAC's share
     owners at APAC's annual meeting of an amendment to APAC's stock option
     plan to permit grants in excess of 100,000 shares, and will vest at the
     rate of 20% per year during the first five years of the term of the
     option. In the event your employment is terminated by the Company other
     than for "Cause" during the term of the option, the options will vest
     20% for the year in which your employment so terminates, regardless of
     the actual date of such termination, and will vest an additional 20%
     over the eighteen-month period in which the severance payments are
     made. Options will be exercisable for a period of 90 days after
     termination or vesting, whichever is applicable. FOR INSTANCE, in the
     even a termination other than for Cause occurs two years and one day
     after the date of the Hire Grant, your options will be 60% vested at
     the time of termination (20% per year of employment plus 20% for the
     year in which the termination occurs). The vested options would be
     exercisable for 90 days after termination. An additional 20% would vest
     at the conclusion of the eighteen month severance period, and would be
     exercisable for a period of 90 days after the conclusion of that
     period. Your options will have a term of ten years. In addition, while
     you will be a participant in the Company's going-forward
     performance-based stock option plan, the next time management requests
     approval for such awards, you will be recommended for at least 50,000
     additional options under the terms of the plan in place at the time. We
     expect this to occur in the spring of 2000.

6.   With respect to the stock options granted pursuant to this letter
     agreement, in the event of a "Change of Control" (as defined in
     Attachment A to this letter), 50% of the unvested portion of the Hire
     Grant shall be fully and immediately vested; the balance shall vest if
     within one (1) year of the "Change of Control", your employment with
     APAC terminates for "Good Reason" (as hereinafter defined).

     For purposes hereof, the term "Good Reason" shall mean any of (i) your
     dismissal from employment by APAC, other than for "Cause" (as defined
     below), (ii) your voluntary resignation within (90) days following (A)
     a material alteration in your title, duties or responsibilities or (B)
     relocation of your office by more than (20) miles from both your
     current personal residence and Deerfield, Illinois or (C) reduction in
     your base salary or Incentive Bonus participation percentage or (D)
     change in your reporting relationship to anyone other than the
     President and Chief Operating Officer or the Chief Executive Officer of
     APAC; provided such voluntary resignation shall be upon no less than
     thirty (30) days prior written notice and the reasons specified therein
     are not cured during the (30) day period immediately following such
     notice.

7.   You will sign a Restrictive Covenant Agreement (form attached).

8.   You will be based in APAC's office in Deerfield, Illinois, but will be
     expected to travel regularly as part of your responsibilities. You will
     be reimbursed for your travel and entertainment expenses in accordance
     with the Company's reimbursement policies as in effect from time to
     time.

9.   In the event your employment is terminated other than for Cause, APAC
     will pay you severance in an aggregate amount ("Severance") equal to
     the sum of (i) 150% times your then current Base Salary plus (ii) an
     amount equal to the amount of the target Bonus for the year in which
     you the termination occurs multiplied by a fraction equal to that
     potion worked of the year in which the termination occurs. Such
     Severance shall be paid in eighteen equal monthly installments, subject
     to mandatory federal and state withholding payments. Termination for
     "Cause" means

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     termination of your employment due to (A) gross misconduct or gross
     negligence in the performance of your employment duties, (B) commission
     by you of a crime involving fraud or moral turpitude that can reasonably
     be expected to have an adverse effect on the business, reputation or
     financial situation of the Company, or (C) refusal to comply with lawful
     directives, rules or polices of the Company.

10.  We will reimburse you for the relocation expense due back to ADP as a
     result of your relocation from Portland, Oregon to Chicago, Illinois up
     to a maximum of $100,000; if possible, we will work through ADP to
     reimburse them directly, thus mitigating the tax consequence for you.

We are excited to have you join the team, and we look forward to working with
you.

Best personal regards.

Sincerely,

/s/ Peter M. Leger
------------------
Peter M. Leger
President and COO

Enclosures
cc:  Warren N. Rothman

                                      Accepted By:

                                      /s/ John L. Gray
                                      -----------------------------------
                                      John L. Gray
                                      Dated: December 19, 1999
                                                      --

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                                  ATTACHMENT A

A "Change in Control" shall be deemed to have occurred if (I) a tender offer
shall be made consummated for the ownership of more than 50% of the outstanding
voting securities on the company, (ii) the Company shall be merged or
consolidated with another corporation and, as a result of such merger or
consolidation, less than 50% of the outstanding voting securities of the
surviving or resulting corporation shall be owned in the aggregate by the former
shareholders of the company, as the same shall have existed immediately prior to
such merger or consolidation, (iii) the company shall sell all or substantially
all of its assets to another corporation which is not a wholly-owned subsidiary
or affiliate, (iv) as a result of, or in conjunction with, any contested
election for the Board of Directors, or any tender or exchange offer, merger or
business combination or sale of assets, or any combination of the foregoing (a
"Transaction"), the persons who were Directors of the Company before the
Transaction shall cease to constitute a majority of the Board of Directors of
the Company, or any successor thereto, or (v) a person, within the meaning of
Section 3(a)(9) or of Section 13 (d)(3) (as in effect on the date hereof) of the
Securities and Exchange Act of 1934 ("Exchange Act"), other than any employee
benefit plan then maintained by the company, shall acquire more than 50% of the
outstanding voting securities of the company (whether directly, indirectly,
beneficially or of record). For purposes hereof, ownership of voting securities
shall take into account and shall include ownership as determined by applying
the provisions of Rule 13d-3 (d)(l)(i) (as in effect on the date hereof)
pursuant to the Exchange Act. Notwithstanding the foregoing, (i) a Change in
Control will not occur for purposes of this Agreement merely due to the death of
Theodore G. Schwartz, or as a result of the acquisition, by Theodore G.
Schwartz, alone or with one or more affiliates or associates, as defined in the
Exchange Act, of securities of the company, as part of a going-private
transaction or otherwise, unless Mr. Schwartz or his affiliates, associates,
family members or trusts for the benefit of family members (collectively, the
"Schwartz Entities") do not control, directly or indirectly, at least
twenty-seven percent (27%) of the resulting entity, and (ii) if the Schwartz
Entities control, directly or indirectly, less than twenty-seven percent (27%)
of the company's voting securities while it is a public company, then "33-1/3"
shall be substituted for "50%" in clauses (i),(ii), and (v) of the first
sentence of this paragraph.

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                         RESTRICTIVE COVENANT AGREEMENT

         This Agreement made as of the 19 day of DECEMBER, 1999, in Deerfield,
Illinois by and between APAC Customer Services, Inc., and Illinois corporation
("Employer") and JOHN L. GRAY("Employee).

         WHEREAS, the Employer is in the business of performing outsourced
business services, including, without limitation, inbound, outbound and
interactive telephone and web based (Internet call center) services; and

         WHEREAS, Employer's services are utilized by a wide range of clients
engaged in various business endeavors throughout the continental United States,
and Employer has, in the course of its business, established a client base, a
client list and an ongoing relationship with its customers; and

         WHEREAS, the employment relationship of the parties is being
established pursuant to the terms of a letter of employment with Employer dated
December 17, 1999 (the "Employment Agreement"); and

         WHEREAS, in consideration of the employment of Employee by Employer
under such Employment Agreement, the payments to be provided to Employee
thereunder and other good and valuable consideration, the receipt and
sufficiency of which is hereof acknowledged, Employee and Employer agree to
execute and be bound by this Agreement.

         NOW, THEREFORE, in consideration of the foregoing premises and the
promise and covenants herein the parties agree as follows:

         1. RECITALS. Each of the above recitals are incorporated in this
Agreement and are binding upon the parties hereof. This Agreement supersedes any
and all previous agreements, understandings and commitments between Employer and
Employee with respect to the subject matter hereof. Each such agreement,
understanding and commitment is hereby revoked and canceled.

         2. EMPLOYEE'S REPRESENTATION. Employee hereby represents and warrants
to and with Employer that Employee is not subject to any covenants, agreements
or restrictions, including, without limitation, any covenants, agreements or
restrictions arising out of Employee's prior employment or independent
contractor relationships, which would be breached or violated by Employee's
execution of this Agreement or by Employee's performance of his duties
hereunder. Employee acknowledges that it is Employer's expresspolicy and
procedure to abstain from the use or disclosure of the trade secrets and
proprietary information of third parties, and Employee hereby expressly
covenants that he will not, in the performance of his duties hereunder, use or
disclose the trade secrets or proprietary information of third parties.

         3. CONFIDENTIALITY. Employee acknowledges that by virtue of his
employment or continued employment with Employer, he has been and/or will be
exposed to or has had or will have access to confidential information regarding
Employer's business of the most sensitive nature, including but not limited to,
trade secrets and proprietary information, all of which are proprietary to
Employer. Employee further acknowledges that it would be possible for an
employee, upon termination of his association with Employer, to use the
knowledge or information obtained while working for or with Employer to benefit
other individuals or entities. Employee acknowledges that Employer has expended
considerable time and

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resources in the development of certain confidential information used in
connection with its businesses, including without limitation business
strategies and goals, accounting methodology, pricing systems, advertising
brochures and materials, graphic and other designs, telemarketing programs
and techniques, copyrighted and non-copyrighted software source codes or
object codes, technology applications and advances, client and client
prospect lists or records, telephone calling lists, hiring, screening,
training, quality assurance and supervisory techniques, methods and know-how,
client information, client mark-ups, information regarding independent
contractors, use and utilization of copyrights, confidential information and
trade secrets of third parties, marketing techniques, supplier information,
and, generally, the confidential information of Employer which gives, or may
give, Employer and advantage in the marketplace against its competitors (all
of the foregoing herein referred to collectively as "Proprietary
Information"), and which have been disclosed to or learned by Employee solely
for the purpose of Employee's employment with Employer. Employee acknowledges
that Employer's Proprietary Information constitutes a proprietary and
exclusive interest of Employer, and therefore, Employee agrees to hold and
keep secret the Proprietary Information as described herein and the
confidential information of the clients of the Employer (the "Client
Information"), as to which Employee is now or any time during his employment
shall become informed, and Employee shall not directly or indirectly disclose
any Proprietary Information or Client Information to any person, firm, court,
governmental agency or corporation or use the same except in connection with
the business and affairs of Employer.

         4. NON-COMPETITION. Employee covenants that during his employment
and for a period of twenty-four (24) months after the termination thereof for
any reason whatsoever, Employee shall not, directly or indirectly, in the 48
contiguous states of the United Sates, on his own account, or as an employee,
consultant, agent, partner, joint venturer, owner or officer of any other
person, firm, partnership, corporation or other entity, or in any other
capacity, in any way conduct, engage in, or aid or assist anyone in the
conduct of a business competitive with that of Employer in which Employee is
in (i) a capacity similar to Employee's capacity during his employment with
Employer or (ii) a capacity in which Employee may inadvertently disclose
Employer's Proprietary Information or Client Information.

         5. NON-SOLICITATION. Employee covenants that during his employment
and for a period of twenty-four (24) months after termination thereof, for
any reason whatsoever, Employee shall not, directly or indirectly, as an
employee, agent, salesman or member of any person, corporation, firm or
otherwise call upon, solicit, enter into, become employed by or engage in the
business conducted by Employer with a customer or prospective customer of
Employer (a) with which customer or prospective customer Employee had direct
or indirect contact as an employee of Employer or (b) regarding which
customer or prospective customer Employee had learned, or become aware of,
Employer's Proprietary Information or Client Information. For purposes of
this Agreement, the term "prospective customer" shall mean any person,
corporation or other entity to whom the Employer has made a written or oral
presentation or proposal within the eighteen (18) month period prior to the
date of the termination of employment.

         6. NON-DISTURBANCE OF EMPLOYEES; NON-DISPARAGEMENT. Employee
covenants that during his employment and for a period of twenty-four (24)
months after the termination thereof, for any reason whatsoever, Employee
shall not, directly or indirectly, as an employee, agent, salesman, or member
of any person, corporation, firm or otherwise (a) solicit any employee or
agent of Employer or make such other contact will yield, is likely to yield
or is designed to yield a termination of the employment or agency
relationship of such employees or agents from Employer or (b) make or cause
others to make, whether in writing or orally, disparaging statements or
inferences with respect to the Employer, its business, officers or
shareholders.

         7. RETURN OF MATERIALS. Employee will, at any time upon the request
of Employer, and in the event upon the termination of his employment, for
whatever reason, immediately return and surrender to Employer originals and
all copies of all records, notes, memoranda, electronic files, personal
computers,

<PAGE>

computer discs, computer equipment, telephones, price lists, client and
client prospect lists, business plans, recordings and other documents and
other property belonging to Employer, created or obtained by Employee as a
result of or in the course of or in connection with Employee's employment
with Employer hereunder. Employee acknowledges that all such materials are,
and will always remain, the exclusive property of Employer.

         8.       REMEDIES.

                  (a) Employee further acknowledges that in the event his
employment with Employer terminates for any reason, he will be able to earn a
livelihood without violating the foregoing restrictions and that his ability to
earn a livelihood without violating such restrictions is a material condition to
his employment with Employer.

                  (b) Employee acknowledges that compliance with the restrictive
covenants set forth in Paragraphs 2 through 7 herein is necessary to protect the
business, goodwill and Proprietary Information of Employer and that a breach of
theses restrictions will irreparably and continually damage Employer for which
money damages may not be adequate. Consequently, Employee agrees that, in the
event that he breaches or threatens to breach any of these covenants, Employer
shall be entitled to both (1) a temporary, preliminary or permanent injunction
on order to prevent the continuation of such harm and (2) money damages insofar
as they can be determined. Nothing in this agreement, however, shall be
construed to prohibit Employer from also pursuing any other remedy, the parties
having agreed that all remedies are to be cumulative. The parties expressly
agree that Employer may, in its sole discretion, choose to enforce the
restrictive covenants in Paragraph 2 through 7 hereof, in part, or to enforce
any of said restrictive covenants to a lesser extent than that set forth herein.
As money damages for the period of time during which Employee violates these
covenants, Employer shall be entitled to recover the amount of fees,
compensation or other remuneration earned by Employee as a result of any such
breach.

         9. REVISION. In the event that any of the provisions, covenants,
warranties or agreements in this Agreement are held to be in any respect an
unreasonable restriction upon or are otherwise invalid, for whatsoever cause,
then the court so holding shall reduce and is so authorized to reduce, the
territory to which it pertains and/or the period of time in which it operates,
or the scope of activity to which it pertains or effect any other change to the
extent necessary to render any of the restrictions of this Agreement
enforceable.

         10.      GENERAL PROVISIONS.

                  (a) SEVERABILITY. Each of the terms and provisions of this
Agreement is to be deemed severable in whole or in part and, if any term or
provision of the application thereof in any circumstances should be invalid,
illegal or unenforceable, the remaining terms and provisions or the application
thereof to circumstances other than those as to which it is held invalid,
illegal; or unenforceable, shall not be affected thereby and shall remain in
full force and effect.

                  (b) BINDING AGREEMENT. This Agreement shall be binding upon
the parties, their parties, their heirs, successors, personal representatives
and assigns. Employer may assign this Agreement to any successor in interest to
the business, or part thereof, of Employer. Employee may not assign any of his
obligations or duties hereunder.

                  (c) CONTROLLING LAW AND JURISDICTION. This Agreement shall be
governed by and interpreted and construed according to the laws of the State of
Illinois. Employee hereby consents to the jurisdiction of the state and federal
courts in Illinois in the event that any disputes arise under this Agreement.

                  (d) FAILURE TO ENFORCE. The failure to enforce any of the
provisions of this Agreement shall not be construed as a waiver of such
provisions. Further, any express waiver by any

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other party with respect to any breach of any provision hereunder by any
other party shall not constitute a waiver of such party's right to thereafter
fully enforce each and every provision of the Agreement.

                  (e) SURVIVAL. The obligations contained in this Agreement
shall survive the termination, for any reason whatsoever, for cause or
otherwise, of Employee's employment with Employer.

                  (f) GENDER. The masculine, feminine or neuter pronouns used
herein shall be interpreted without regard to gender, and the use of the
singular or plural shall be deemed to include the other whenever the context so
requires.

                  (g) ATTORNEY'S FEES. In the event, Employer must retain an
attorney to enforce the terms of this Agreement, Employee shall be liable to
Employer for the amount of such reasonable attorney's fees incurred by Employer.

WHEREFORE, the parties have executed this Agreement on the date and year first
above written.

                  EMPLOYER:                EMPLOYEE:
                  --------                 ---------

APAC Customer Services, Inc.

Sign:  /s/ Peter M. Leger                      /s/ John L. Gray
      -------------------------------      -------------------------------------

Print:     Peter M. Leger                          John L. Gray
      -------------------------------      -------------------------------------EXHIBIT 10.1

                             CONSULTING AGREEMENT

 Dated:    January 23rd, 2001

 Between:  Tessa Complete Health Care, Inc.        ("Tessa")
           138 Escondido Avenue, Suite 107
           Vista, CA  92084

 And:      Daniel Smith                            ("Consultant")

                                   Recitals

      Consultant desires to provide certain consulting and advisory services
 to Tessa:

      Tessa desires to retain Consultant to perform such services and
 Consultant desires to accept such position, all in accordance with the terms
 and conditions of this Agreement;

      NOW, THEREFORE, in consideration of the mutual covenants referred to
 herein, the parties agree as follows:

                                  Agreement

      Retention of Consultant. Tessa hereby retains Consultant to perform and
 Consultant hereby agrees to perform, consulting and advisory services for
 Tessa upon the terms and conditions of this agreement.

      Term.     The term of this Agreement shall commence on the date of this
 Agreement and shall continue for twelve (12) months, unless earlier
 terminated as set forth herein.

      Duties of Consultant.   Consultant agrees to provide up to 360 hours
 of consulting and advisory services more specifically described as business
 planning and development, which services shall be rendered at such
 reasonable times and in such reasonable manner as may be mutually agreed
 upon between Tessa and Consultant, consistent with Consultant's other
 activities and businesses.  The consulting and advisory services shall be
 valued at $500.00 per hour.  None of the services to be provided by
 Consultant under this Agreement shall be in connection with the offer and
 sale of securities of Tessa in a capital raising transaction, nor shall such
 services directly or indirectly promote or maintain a market for any of
 Tessa's securities.

      Compensation of Consultant.   In consideration of the performance of
 the consulting and advisory services described in Section 3 herein,
 Consultant is hereby granted the right to purchase  from the Company shares
 of Common Stock ("Common Stock") at a price per share of $.046875.  The
 maximum amount of Common Stock that Consultant may purchase under this
 Agreement shall be 3,840,000 shares, of which the parties acknowledge that
 Consultant has already been issued 631,667 shares.  If, by mutual agreement
 of Tessa and Consultant, this Agreement is terminated earlier than the
 expiration of its term, Consultant shall be issued that number of shares of
 Common Stock earned at the time of termination of this Agreement.

      Restricted Securities.   Consultant understands that the shares of
 Common Stock to be issued pursuant to Section 4 herein are characterized as
 "restricted securities" under the Securities Act of 1933.  Consequently the
 transferability and resale of the Common Stock will be limited.  Consultant
 understands that any certificate evidencing the shares of Common Stock to be
 issued hereunder will bear a legend in substantially the following form:

      THE SHARES REPRESENTED BY THIS CERTIFICATE HAVE NOT BEEN REGISTERED
 UNDER THE SECURITIES ACT OF 1933.  THE SHARES HAVE BEEN ACQUIRED WITHOUT A
 VIEW TO DISTRIBUTION AND MAY NOT BE OFFERED, SOLD, TRANSFERRED, PLEDGED OR
 HYPOTHECATED IN THE ABSENCE OF AN EFFECTIVE REGISTRATION STATEMENT FOR THE
 SHARES UNDER THE ACT AND UNDER ANY APPLICABLE SECURITIES LAWS, OR AN OPINION
 OF COUNSEL ACCEPTABLE TO THE CORPORATION THAT SUCH REGISTRATION IS NOT
 REQUIRED AS TO SUCH SALE OR OFFER.

      S-8 Registration Statement.   Tessa shall take al corporate action
 necessary to reserve for issuance a sufficient number of shares of its
 Common Stock for delivery to Consultant pursuant to Section 4 hereunder.
 Within 30 days of the date of this Agreement, Tessa shall file a
 registration statement on Form S-8 (or any successor forms) with respect to
 no less than 3,840,000 shares of Tessa Common Stock and shall use its
 reasonable commercial efforts to maintain the effectiveness of such
 registration statement or registration statements for so long as any shares
 of Common Stock are earned by Consultant hereunder.

      Liability/Indemnification.    Tessa agrees that Consultant shall not be
 liable for any damages or injury to Tessa or any of its employees, agents or
 representatives or for the loss of or damage to the property of Tessa, in
 any manner based upon the performance of duties under this Agreement, unless
 such injury, loss or damage is caused by the intentional misconduct of
 Consultant.

      Tessa agrees to indemnify and hold Consultant harmless for any claims,
 loss, damage or costs (including attorney's fees) which are asserted against
 or incurred by Consultant and which are a result of the duties performed by
 Consultant for Tessa, unless caused by the intentional misconduct of
 Consultant.

      Consultant agrees to indemnify and hold Tessa, its officers, directors,
 employees, agents, and representatives harmless for any claims, loss, damage
 or costs, (including attorney's fees) which are asserted against or incurred
 by Tessa and which are a result of the duties performed by Consultant for
 Tessa, unless caused by the intentional misconduct of Tessa.

      Termination.   This Agreement may be terminated by either Consultant or
 the Company at any time without cause.

      Notices.  Any notices or miscommunications required or permitted
 hereunder shall be in writing and shall be deemed to have been given or made
 when personally delivered; sent by registered or certified mail, postage
 prepaid, returned receipt requested; by private courier, prepaid; by
 facsimile or other telecommunications device capable of transmitting or
 creating a written record.

      Successors.    This agreement shall be binding upon and inure to the
 benefit of the parties hereto and their respective successors and assigns.

      Attorney's Fees.    In the event an action is brought to enforce,
 rescind or interpret this Agreement, the prevailing party shall be entitled
 to recover its reasonable attorney's fees therein and any appeal thereon as
 may be determined by the court.

      Governing Law. This Agreement shall be construed and enforced in
 accordance with the laws of the State of Oregon.

      Complete Agreement. This Agreement represents the entire understanding
 and agreement of the parties hereto with respect to the subject of this
 Agreement and be amended, modified or supplemented only be written
 instruments signed by both of the parties.

      Counterparts.  This Agreement may be executed in counterpart copies,
 each of which will deemed an original, but constituting a single Agreement.

      IN WITNESS WHEREOF, the parties have executed this Agreement on the day
 and year first above written.

 TESSA COMPLETE HEALTH CARE, INC.        CONSULTANT

 By: s/s Robert C. Flippin               s/s Daniel Smith
     ---------------------               ----------------

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