<PAGE>

                                                                   EXHIBIT 10.22

$750,000.60                                                   September 13, 1999
                                                    Newtown Square, Pennsylvania


                      Naviant Technology Solutions, Inc.


                       NOTE SECURED BY PLEDGE AGREEMENT


          FOR VALUE RECEIVED, Charles W. Stryker ("Maker") promises to pay to
the order of Naviant Technology Solutions, Inc. (the "Corporation"), at its
corporate offices at 14 Campus Blvd., Suite 200, Newtown Square, Pennsylvania
19073 the principal sum of Seven Hundred Fifty Thousand Dollars and 60/100's
($750,000.60), together with all accrued interest thereon, upon the terms and
conditions specified below.

          1.   Principal.  The principal balance of this Note shall become due
               ---------
and payable on September 13, 2001 subject to acceleration pursuant to paragraph
4 hereof.

          2.   Interest.  Interest shall accrue on the unpaid balance
               --------
outstanding from time to time under this Note at the rate of 5.42% per annum,
compounded annually. Accrued interest shall be payable on the principal due
date.

          3.   Payment. Payment shall be made in lawful tender of the United
               -------
States and shall be applied first to the payment of all accrued and unpaid
interest and then to the payment of principal. Prepayment of the principal
balance of this Note, together with all accrued and unpaid interest, may be made
in whole or in part at any time without penalty.

          4.   Events of Acceleration. The entire unpaid principal balance of
               ----------------------
this Note, together with all accrued and unpaid interest, shall become
immediately due and payable prior to the specified due date of this Note upon
the occurrence of one or more of the following events:

               A.   the expiration of the 30-day period following the date the
     Maker ceases for any reason to remain in the Corporation's employ; or

               B.   the insolvency of the Maker, the commission of any act of
     bankruptcy by the Maker, the execution by the Maker of a general assignment
     for the benefit of creditors, the filing by or against the Maker of any
     petition in bankruptcy or any petition for relief under the provisions of
     any federal bankruptcy act or any other state or federal law for the relief
     of debtors and the continuation of such petition without dismissal for a
     period of 30 days or more, the appointment of a receiver or trustee to take
     possession of any property or assets of the Maker or the attachment of or
     execution against any property or assets of the Maker; or

               C.   the occurrence of any event of default under the Pledge
     Agreement securing this Note or any obligation secured thereby.

          5.   Special Acceleration Events. In the event the Maker sells or
               ---------------------------
otherwise transfers for value one or more shares of the Corporation's Series C
Convertible Redeemable Preferred Stock or any or all of the Warrant to purchase
the Corporation's Common Stock (together, the "Securities") purchased with the
proceeds of this Note, then any unpaid portion of the principal balance of this
Note, up to the amount of value received for such Securities, shall

<PAGE>

$750,000.60                                                   September 13, 1999
                                                    Newtown Square, Pennsylvania

become immediately due and payable, together with all accrued and unpaid
interest on that principal portion.

          6.   Employment. For purposes of applying the provisions of this Note,
               ----------
the Maker shall be considered to remain in the Corporation's employ for so long
as the Maker renders services as a full-time employee of the Corporation, any
successor entity or one or more of the Corporation's 50%-or-more owned
subsidiaries.

          7.   Security; Use of Proceeds. The proceeds of the loan evidenced by
               -------------------------
this Note shall be applied solely to the payment of the purchase price of the
Securities, and payment of this Note shall be secured by a pledge of the
Securities, and other assets with the Corporation pursuant to the Pledge
Agreement to be executed this date by the Maker. The Maker, however, shall
remain personally liable for payment of this Note and assets of the Maker, in
addition to the collateral under the Pledge Agreement, may be applied to the
satisfaction of the Maker's obligations hereunder.

          8.   Collection. If action is instituted to collect this Note, the
               ----------
Maker promises to pay all costs and expenses (including reasonable attorney
fees) incurred in connection with such action.

          9.   Waiver. A waiver of any term of this Note, the Pledge Agreement
               ------
or of any of the obligations secured thereby must be made in writing and signed
by a duly-authorized officer of the Corporation and any such waiver shall be
limited to its express terms. No delay by the Corporation in acting with respect
to the terms of this Note or the Pledge Agreement shall constitute a waiver of
any breach, default, or failure of a condition under this Note, the Pledge
Agreement or the obligations secured thereby.

          The Maker waives presentment, demand, notice of dishonor, notice of
default or delinquency, notice of acceleration, notice of protest and
nonpayment, notice of costs, expenses or losses and interest thereon, notice of
interest on interest and diligence in taking any action to collect any sums
owing under this Note or in proceeding against any of the rights or interests in
or to properties securing payment of this Note.

          10.  Conflicting  Agreements.  In the event of any inconsistencies
               -----------------------
between the terms of this Note and the terms of any other document related to
the loan evidenced by the Note, the terms of this Note shall prevail.

          11.  Governing Law. THIS NOTE SHALL BE CONSTRUED IN ACCORDANCE WITH
               -------------
THE LAWS OF THE COMMONWEALTH OF PENNSYLVANIA WITHOUT RESORT TO CONFLICT-OF-LAWS
RULES.

                                                 MAKER:
                                                 -----

                                                 /s/ Charles W. Stryker
                                                 ----------------------------
                                                 Charles W. Stryker

                                       2
<PAGE>

                      Naviant Technology Solutions, Inc.

                               PLEDGE AGREEMENT

          THIS PLEDGE AGREEMENT (this "Agreement") made as of this 13th day of
September, 1999 by and between Naviant Technology Solutions, Inc., a Delaware
corporation (the "Corporation") and Charles W. Stryker ("Pledgor").

                                   RECITALS

          A.   In connection with the purchase of 555,556 shares of the
Corporation's Series C Convertible Redeemable Preferred Stock and a warrant to
purchase certain shares of the Corporation's Common Stock (collectively, the
"Purchased Securities") on the date of this Agreement from the Corporation,
Pledgor has issued that certain promissory note (the "Note") dated September 13,
1999 payable to the order of the Corporation, in the principal amount of Seven
Hundred Fifty Thousand Dollars and 60/100's ($750,000.60). The Purchased
Securities and any Common Stock issued or issuable thereof or any shares given
in exchange therefor shall be, collectively, the "Securities."

          B.   The Note is secured by the Purchased Securities and other
collateral upon the terms set forth in this Agreement.

          NOW, THEREFORE, it is hereby agreed as follows:

               1.   Grant of Security Interest.  Pledgor hereby grants the
                    --------------------------
Corporation a security interest in, and assigns, transfers to and pledges with
the Corporation, the following securities and other property (collectively, the
"Collateral"):

                    (i)    the Purchased Securities delivered to and deposited
     with the Corporation as collateral for the Note;

                    (ii)   any and all new, additional or different securities
     or other property subsequently distributed with respect to the Purchased
     Securities which are to be delivered to and deposited with the Corporation
     pursuant to the requirements of Paragraph 3 of this Agreement;

                    (iii)  any and all other property and money which is
     delivered to or comes into the possession of the Corporation pursuant to
     the terms of this Agreement;

                    (iv)   the proceeds of any sale, exchange or disposition of
     the property and securities described in subparagraphs (i), (ii) or (iii)
     above; and

                    (v)    all of Pledgor's tangible and intangible personal
     property, cash on hand and cash in and deposits with banks or other
     financial institutions, whether now owned or hereafter acquired, and all
     other real,

<PAGE>

     personal and mixed (tangible and intangible) property of every character
     and wherever situated, now owned and hereafter acquired by Pledgor.

               2.   Warranties.  Pledgor hereby warrants that Pledgor is the
                    ----------
owner of the Collateral and has the right to pledge the Collateral and that the
Collateral, other than Collateral described only by item (v) above, is free from
all liens, adverse claims and other security interests (other than those created
hereby).

               3.   Duty to Deliver.  Any new, additional or different
                    ---------------
securities or other property (other than regular cash dividends) which may now
or hereafter become distributable with respect to the Collateral specified in
Section 1(i) - 1(iv) above by reason of (i) any stock split, stock dividend,
recapitalization, combination of shares, exchange of shares or other change
affecting the Series C Convertible Redeemable Preferred Stock or Common Stock as
a class without the Corporation's receipt of consideration or (ii) any merger,
consolidation or other reorganization affecting the capital structure of the
Corporation shall, upon receipt by Pledgor be promptly delivered to and
deposited with the Corporation as part of the Collateral hereunder. Any such
securities shall be accompanied by one or more properly-endorsed stock power
assignments.

               4.   Payment of Taxes and Other Charges.  Pledgor shall pay,
                    ----------------------------------
prior to the delinquency date, all taxes, liens, assessments and other charges
against the Collateral, and in the event of Pledgor's failure to do so, the
Corporation may at its election pay any or all of such taxes and other charges
without contesting the validity or legality thereof. The payments so made shall
become part of the indebtedness secured hereunder and until paid shall bear
interest at the minimum per annum rate, compounded semi-annually, required to
avoid the imputation of interest income to the Corporation and compensation
income to Pledgor under the Federal tax laws.

               5.   Shareholder Rights.  So long as there exists no event of
                    -------------------
default under Paragraph 10 of this Agreement, Pledgor may exercise all
shareholder voting rights and be entitled to receive any and all regular cash
dividends paid on the Collateral and all proxy statements and other shareholder
materials pertaining to the Collateral.

               6.   Rights and Powers of Corporation.  The Corporation may,
                    --------------------------------
without obligation to do so, exercise at any time and from time to time one or
more of the following rights and powers with respect to any or all of the
Collateral specified in Section 1(i) - 1(iv) above

                    (i)  subject to the applicable limitations of Paragraph 9,
     accept in its discretion other property of Pledgor in exchange for all or
     part of the Collateral and release Collateral to Pledgor to the extent
     necessary to effect such exchange, and in such event the other property
     received in the exchange shall become part of the Collateral hereunder;

                    (ii) perform such acts as are necessary to preserve and
     protect the Collateral and the rights, powers and remedies granted with
     respect to such Collateral by this Agreement; and

                                       2
<PAGE>

                    (iii)   transfer record ownership of the Collateral to the
     Corporation or its nominee and receive, endorse and give receipt for, or
     collect by legal proceedings or otherwise, dividends or other distributions
     made or paid with respect to the Collateral, provided and only if there
                                                  -------- --- ---- --
     exists at the time an outstanding event of default under Paragraph 10 of
     this Agreement. Any cash sums which the Corporation may so receive shall be
     applied to the payment of the Note and any other indebtedness secured
     hereunder, in such order of application as the Corporation deems
     appropriate. Any remaining cash shall be paid over to Pledgor.

          Any action by the Corporation pursuant to the provisions of this
Paragraph 6 may be taken without notice to Pledgor. Expenses reasonably incurred
in connection with such action shall be payable by Pledgor and form part of the
indebtedness secured hereunder as provided in Paragraph 12.

               7.   Care of Collateral.  The Corporation shall exercise
                    ------------------
reasonable care in the custody and preservation of the Collateral. However, the
Corporation shall have no obligation to (i) initiate any action with respect to,
or otherwise inform Pledgor of, any conversion, call, exchange right, preemptive
right, subscription right, purchase offer or other right or privilege relating
to or affecting the Collateral, (ii) preserve the rights of Pledgor against
adverse claims or protect the Collateral against the possibility of a decline in
market value or (iii) take any action with respect to the Collateral requested
by Pledgor unless the request is made in writing and the Corporation determines
that the requested action will not unreasonably jeopardize the value of the
Collateral as security for the Note and other indebtedness secured hereunder.

          Subject to the limitations of Paragraph 9, the Corporation may at any
time release and deliver all or part of the Collateral to Pledgor, and the
receipt thereof by Pledgor shall constitute a complete and full acquittance for
the Collateral so released and delivered. The Corporation shall accordingly be
discharged from any further liability or responsibility for the Collateral, and
the released Collateral shall no longer be subject to the provisions of this
Agreement.

               8.   Transfer of Collateral.  In connection with the transfer or
                    ----------------------
assignment of the Note (whether by negotiation, discount or otherwise), the
Corporation may transfer all or any part of the Collateral, and the transferee
shall thereupon succeed to all the rights, powers and remedies granted the
Corporation hereunder with respect to the Collateral so transferred. Upon such
transfer, the Corporation shall be fully discharged from all liability and
responsibility for the transferred Collateral.

               9.   Release of Collateral.  Provided all indebtedness secured
                    ---------------------
hereunder (other than payments not yet due and payable under the Note) shall at
the time have been paid in full and there does not otherwise exist any event of
default under Paragraph 10, the Purchased Securities, together with any
additional Collateral which may hereafter be pledged and deposited hereunder,
shall be released from pledge and returned to Pledgor in accordance with the
following provisions:

                                       3
<PAGE>

                    (i)    Upon payment or prepayment of principal under the
     Note, together with payment of all accrued interest to date, one or more of
     the Purchased Securities held as Collateral hereunder shall (subject to the
     applicable limitations of Paragraphs 9(iii) and 9(v) below) be released to
     Pledgor within thirty (30) days after such payment or prepayment. The
     number of the shares to be so released shall be equal to the number
     obtained by multiplying (i) the total number of Purchased Securities held
     under this Agreement at the time of the payment or prepayment, by (ii) a
     fraction, the numerator of which shall be the amount of the principal paid
     or prepaid and the denominator of which shall be the unpaid principal
     balance of the Note immediately prior to such payment or prepayment. In no
     event, however, shall any fractional shares be released.

                    (ii)   Any additional Collateral which may hereafter be
     pledged and deposited with the Corporation (pursuant to the requirements of
     Paragraph 3) with respect to the Purchased Securities shall be released at
     the same time the particular shares of Series C Convertible Redeemable
     Preferred Stock to which the additional Collateral relates are to be
     released in accordance with the applicable provisions of Paragraph 9(i).

                    (iii)  Under no circumstances, however, shall any Purchased
     Securities or any other Collateral be released if previously applied to the
     payment of any indebtedness secured hereunder. In addition, in no event
     shall any Purchased Securities or other Collateral be released pursuant to
     the provisions of Paragraph 9(i) or 9(ii) if, and to the extent, the fair
     market value of the Securities and all other Collateral which would
     otherwise remain in pledge hereunder after such release were effected would
     be less than the unpaid principal and accrued interest under the Note.

                    (iv)   For all valuation purposes under this Agreement, the
     fair market value per share of Securities on any relevant date shall be
     determined in accordance with the following provisions:

                           (A)  If the Securities are at the time traded on the
          Nasdaq National Market, the fair market value shall be the closing
          selling price per share of Securities on the date in question, as such
          prices are reported by the National Association of Securities Dealers
          on its Nasdaq system or any successor system. If there is no reported
          closing selling price for the Securities on the date in question, then
          the closing selling price on the last preceding date for which such
          quotation exists shall be determinative of fair market value.

                           (B)  If the Securities are at the time listed on the
          American Stock Exchange or the New York Stock Exchange, then the fair
          market value shall be the closing selling price per share of
          Securities on the date in question on the securities exchange serving
          as the primary market for the Securities, as such price is officially
          quoted in the composite tape of transactions on such exchange. If
          there is no reported

                                       4
<PAGE>

          sale of Securities on such exchange on the date in question, then the
          fair market value shall be the closing selling price on the exchange
          on the last preceding date for which such quotation exists.

                              (C)  If the Securities are at the time neither
          listed on any securities exchange nor traded on the Nasdaq National
          Market, the fair market value shall be determined by the Corporation's
          Board of Directors after taking into account such factors as the Board
          shall deem appropriate.

                         (v)  In the event the Collateral becomes in whole or in
     part comprised of "margin securities" within the meaning of Section
     207.2(i) of Regulation G of the Federal Reserve Board, then no Collateral
     shall thereafter be substituted for any Collateral under the provisions of
     Paragraph 6(i) or be released under Paragraph 9(i) or (ii), unless there is
     compliance with each of the following additional requirements:

                              (A)  The substitution or release must not increase
          the amount by which the indebtedness secured hereunder at the time of
          such substitution or release exceeds the maximum loan value (as
          defined below) of the Collateral immediately prior to such
          substitution or release.

                              (B)  The substitution or release must not cause
          the amount of indebtedness secured hereunder at the time of such
          substitution or release to exceed the maximum loan value of the
          Collateral remaining after such substitution or release is effected.

                              (C)  For purposes of this Paragraph 9(v), the
          maximum loan value of each item of Collateral shall be determined on
          the day the substitution or release is to be effected and shall, in
          the case of the shares of Securities and any additional Collateral
          (other than margin securities), equal the good faith loan value
          thereof (as defined in Section 207.2(e)(1) of Regulation G) and shall,
          in the case of all margin securities (other than the Securities),
          equal fifty percent (50%) of the current market value of such
          Securities.

               10.  Events of Default.  The occurrence of one or more of the
                    -----------------
following events shall constitute an event of default under this Agreement:

                    (i)   the failure of Pledgor to pay, when due under the
Note, any installment of principal or accrued interest after any grace period
set forth in the Note has expired, if any; or

                    (ii)  the occurrence of any other acceleration event
specified in the Note; or

                    (iii) the failure of Pledgor to perform any obligation
imposed upon Pledgor by reason of this Agreement; or

                                       5
<PAGE>

                    (iv)  the breach of any warranty of Pledgor contained in
     this Agreement.

          Upon the occurrence of any such event of default, the Corporation may,
at its election, declare the Note and all other indebtedness secured hereunder
to become immediately due and payable and may exercise any or all of the rights
and remedies granted to a secured party under the provisions of the Pennsylvania
Uniform Commercial Code (as now or hereafter in effect), including (without
limitation) the power to dispose of the Collateral by public or private sale or
to accept the Collateral in full payment of the Note and all other indebtedness
secured hereunder.

          Any proceeds realized from the disposition of the Collateral pursuant
to the foregoing power of sale shall be applied first to the payment of expenses
incurred by the Corporation in connection with the disposition, then to the
payment of the Note and finally to any other indebtedness secured hereunder. Any
surplus proceeds shall be paid over to Pledgor. However, in the event such
proceeds prove insufficient to satisfy all obligations of Pledgor under the
Note, then Pledgor shall remain personally liable for the resulting deficiency.

               11.  Other Remedies.  The rights, powers and remedies granted to
                    --------------
the Corporation pursuant to the provisions of this Agreement shall be in
addition to all rights, powers and remedies granted to the Corporation under any
statute or rule of law. Any forbearance, failure or delay by the Corporation in
exercising any right, power or remedy under this Agreement shall not be deemed
to be a waiver of such right, power or remedy. Any single or partial exercise of
any right, power or remedy under this Agreement shall not preclude the further
exercise thereof, and every right, power and remedy of the Corporation under
this Agreement shall continue in full force and effect unless such right, power
or remedy is specifically waived by an instrument executed by the Corporation.

               12.  Costs and Expenses.  All costs and expenses (including
                    ------------------
reasonable attorneys fees) incurred by the Corporation in the exercise or
enforcement of any right, power or remedy granted it under this Agreement shall
become part of the indebtedness secured hereunder and shall constitute a
personal liability of Pledgor payable immediately upon demand and bearing
interest until paid at the minimum per annum rate, compounded semi-annually,
required to avoid the imputation of interest income to the Corporation and
compensation income to Pledgor under the federal tax laws.

               13.  Applicable Law.  This Agreement shall be governed by and
                    --------------
construed in accordance with the laws of the Commonwealth of Pennsylvania
without resort to that its conflict-of-laws rules.

               14.  Successors.  This Agreement shall be binding upon the
                    ----------
Corporation and its successors and assigns and upon Pledgor and the executors,
heirs and legatees of Pledgor's estate.

               15.  Severability.  If any provision of this Agreement is held to
                    ------------
be invalid under applicable law, then such provision shall be ineffective only
to the extent of such

                                       6
<PAGE>

invalidity, and neither the remainder of such provision nor any other provisions
of this Agreement shall be affected thereby.

          IN WITNESS WHEREOF, this Agreement has been executed by Pledgor and
the Corporation on this 13th day of September, 1999.



                                         PLEDGOR:
                                         --------





                                         ______________________________
                                         Charles W. Stryker




                                         CORPORATION:
                                         ------------

                                         Naviant Technology Solutions, Inc.


                                         By:  ________________________
                                              William Tobia
                                              Chief Financial Officer

                                       7