EXHIBIT 10.16


                              EMPLOYMENT AGREEMENT
                              --------------------

                  This Employment Agreement ("Agreement") is made as of the 1st
day of October 2001 by and between Intercallnet, Inc., a Florida corporation
(the "Company") and George A. Pacinelli ("Employee"), with reference to the
following facts and circumstances:

                  WHEREAS, the Company had previously offered to employ Employee
as a full time employee of the Company, whereupon Employee joined the Company as
an employee thereof as of January 1, 2001; and

                  WHEREAS, the Company and Employee now wish to continue the
employment of Employee with the Company and for this purpose desire to set forth
the terms and conditions of such continued employment;

                  NOW, THEREFORE, in consideration of the mutual covenants
hereinafter contained, the parties hereto agree as follows:

                  1. Employment
                     ----------

                  The Company hereby employs Employee and Employee hereby
accepts employment with the Company for an initial period of five (5) years
commencing from October 1, 2001 and ending on September 30, 2006 and for
additional periods of two (2) years each commencing at the end of the initial
period and each additional period; provided, however, that the Company or
Employee may terminate such employment, without cause and each at its sole
discretion, at the end of the initial period or at the end of any additional
period by giving notice to such effect to the other party at least one (1) year
prior to the end of the applicable period. As used herein, the phrase
"Employment Period" refers to and shall mean the actual period of employment of
Employee by the Company and/or its subsidiaries hereunder, whether for the
periods provided above, or terminated earlier as hereinafter provided or
extended by mutual agreement between the Company and Employee.

                  2. Duties
                     ------

                  2.1 During the Employment Period, Employee shall serve (i) as
a director of the Company and (ii) as the President of the Company. The board of
Directors (the "Board") of the Company recognizes that the Employee's
contribution to the growth and success of the Company has been, and believes
will continue to be, substantial, and desires to assure the Company of the
Employee's present and continued employment in an executive capacity and to
compensate him therefore. As the President of the Company, Employee shall
exercise final management authority and responsibility for all activities of the
Company in accordance with the policies and procedures set by the Chairman,
Board of Directors and/or stockholders of the Company.

                  2.2 In consideration of the obligations of the Company
hereunder, Employee hereby agrees to devote during the Employment Period
substantially all of his productive time,

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ability and attention to the performance of his duties under this Agreement,
provided however that this shall not preclude Employee from conducting
occasional activities for or on behalf of his own company, eTC, Inc.

                  2.3 Employee represents and warrants to the Company that there
are no agreements or arrangements, whether written or oral, in effect which
would lawfully prevent Employee from rendering services to the Company during
the Employment Period. Employee further represents, warrants and agrees with the
Company that as of the date hereof he has not made, and will not make during the
Employment Period, any commitment or do any act in conflict with this Agreement,
or take any action that might divert from the Company any opportunity which
would be in the scope of any present business of the Company.

                  3. Compensation and Benefits
                     -------------------------

                  3.1 As base compensation for Employee's services hereunder the
Company shall pay to Employee a base salary equal to at least the following:

          (i)  for the period from October 1, 2001 through September 30, 2002,
               the amount of one hundred and eighty two thousand dollars
               ($182,000) per year;

          (ii) for the period from October 1, 2002 through September 30, 2003,
               the amount of two hundred thousand two hundred dollars ($200,200)
               per year;

          (iii) for the period from October 1, 2003 through September 30, 2004,
               the amount of two hundred and twenty thousand two hundred dollars
               ($220,200) per year;

          (iv) for the period from October 1, 2004 through September 30, 2005,
               the amount of two hundred and twenty two thousand two hundred and
               forty two dollars ($242,242) per year;

          (v)  for the period from October 1, 2005 through September 30, 2006,
               the amount of two hundred and sixty six thousand four hundred and
               sixty six dollars ($266,466) per year; and

          (vi) thereafter for each subsequent year an amount equal to the
               previous year's salary plus twenty percent (20%) of such previous
               year's salary.

Such compensation shall be payable in accordance with the Company's payroll
policies and procedures.

                  3.2 (a) As additional incentive compensation for Employee's
services hereunder, the Company shall pay to Employee in respect of each full
fiscal year of the Company which commences within the Employment Period an
amount equal to forty percent (40%) of a "bonus pool" equal to ten percent (10%)
of "earnings before income taxes depreciation and amortization" (EBITDA) (as
hereinafter defined in subsection (b)) of the Company for such

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fiscal year in excess of one million four hundred and twenty five thousand
dollars ($1,425,000). Such additional compensation shall be paid within thirty
(30) days after the date of receipt by the Company of financial statements,
certified by the independent public accountants at the time engaged by the
Company. The amount of additional compensation payable in respect of any such
fiscal year shall not be prorated if the Employment Period terminates during
such fiscal year.

                  (b) At the end of each fiscal year of the Company covered by
Section 3.2(a), the Company's independent public accountants shall prepare and
submit to the Company and Employee an audited financial statement covering the
operations of the Company for such year and setting forth, among other things,
the "earnings before income taxes depreciation amortization" (EBITDA) of the
Company for that year as hereinafter defined. Each such financial statement
shall be prepared in accordance with generally accepted accounting principles
and generally accepted auditing standards consistently applied and shall be
accompanied by a Report of the Company's independent public accountants auditing
such financial statement to the effect that such financial statement was
prepared in accordance with generally accepted accounting principles and
generally accepted auditing standards. For the purposes of Section 3.2(a), the
"earnings before income taxes depreciation and amortization" of the Company for
any fiscal year of the Company shall mean the consolidated gross revenues and
income of the Company and its consolidated subsidiaries for such fiscal year
remaining after deduction therefrom of (i) all normal cost and expense
deductions determined in accordance with generally accepted accounting
principles and generally accepted auditing standards consistently applied and
appropriately deductible from gross revenues under such principles and standards
and (ii) an amount equal to the amount of base compensation paid to Employee by
the Company during such fiscal year under Section 3.1 (but no deduction for any
additional compensation paid or payable to Employee at any time under this
Agreement), but excluding (A) any provision for any United States Federal, state
or local income taxes or for any foreign income taxes in respect of such fiscal
year, (B) any depreciation and/or amortization and (C) any profit or loss, as
the case may be, resulting from unusual and nonrecurring items which are not
identifiable with, or do not result from, the business operations of the Company
and its subsidiaries. For purposes of this Section 3.2, the "fiscal year" of the
Company means the annual period for which the Company files its Federal income
tax returns.

                  3.3 Nothing herein shall prevent the compensation provided for
in Section 3.1 and/or Section 3.2 from being increased at any time by the
consent and agreement of the Company and Employee, as approved by the Board of
Directors of the Company; and nothing herein shall prevent Employee from being
entitled to receive any bonus or additional compensation which may be voted or
approved by the Board of Directors of the Company. If any substantial entity
shall be added to the Company during the Employment Period, then the parties
hereto agree to negotiate in good faith to determine whether any further
compensation to Employee is appropriate as a result of duties Employee
undertakes on behalf of the Company with respect to such entity.

                  3.4 It is understood and agreed that the compensation
arrangements set forth in Sections 3.1 through 3.3 above are meant to result in
Employee receiving the highest base and other compensation paid by the Company
to any other employee of the Company other than the

                                       3

<PAGE>

Chairman of the Company and that Employee's base compensation or additional
compensation should be at least eighty seven and one half percent (87.5%) of the
compensation paid by the Company to the Chairman of the Company in either
category, or, if there should be no Chairman, then in such case Employee's base
compensation or additional compensation should be at least one hundred twenty
percent (120%) of the closest compensation paid by the Company in either
category to any other employee other than the Employee. Accordingly,
notwithstanding anything herein to the contrary, if at any time during the
Employment Period (i) Employee's base compensation should not be equal to or
more than eighty seven and one half percent (87.5%) of the base compensation
paid or payable by the Company to the Chairman of the Company, or, if there
should be no Chairman, then in such case one hundred twenty percent (120%) of
the highest base compensation paid or payable by the Company to any other
employee other than the Employee, Employee's base compensation under this
Agreement shall be automatically adjusted, effective the first date on which
such discrepancy occurs, to the amount equal to the applicable percentage of
such other stated base compensation and/or (ii) Employee's total additional
compensation should not be equal to or more than eighty seven and one half
percent (87.5%) of the total additional compensation paid or payable by the
Company to the Chairman of the Company, or, if there should be no Chairman, then
in such case one hundred twenty percent (120%) of the highest total additional
compensation paid or payable by the Company to any other employee other than the
Employee, Employee's total additional compensation shall be automatically
adjusted, effective the first date on which such discrepancy occurs, to the
amount equal to the applicable percentage of such other stated highest
additional compensation.

                  3.3 It is understood and agreed that all amounts to be paid by
the Company to Employee under this Agreement shall be subject only to deductions
for Federal, State and local payroll and other taxes and charges (including,
without limitation, income taxes, FICA, etc.) and to such other deductions in
respect to Company benefits.

                  3.4 Any compensation otherwise payable to Employee under this
Agreement in respect of any period during which Employee is receiving amounts
for loss of earnings or the like under any Company insurance plan or policy
and/or under any government program shall be reduced by such amounts.

                  Article 4. Options
                             -------

                  4.1 On May 29, 2001, the Company granted to Employee a
non-qualified option under the Company's 2001 Stock Option Plan to purchase from
the Company three hundred thousand (300,000) shares of the Company's Common
Stock at the price of $0.05 per share.

                  4.2 If at any time during the Employment Period or thereafter,
the Company should make a public offering of its Common Stock and should
accordingly register such offering under the Securities Act, the Company shall
offer to include in such registration the offering by Employee of all or any of
the shares of the Company's Common Stock then held by such Employee upon such
terms and conditions as shall be agreed to by the Company and Employee at such
time. In the event that any registration pursuant to this section shall be, in
whole or in part, an underwritten public offering of Company Common Stock
initiated by the

                                       4

<PAGE>

Company, the number of shares of all the security holders, other than the
Company but including Employee, to be included in such an underwriting may be
reduced (pro rata among all the security holders, other than the Company, based
upon the number of shares to be included therein by such holders) if and to the
extent that the managing underwriter shall be of the opinion that such inclusion
would adversely affect the marketing of the securities to be sold by the Company
therein, provided, however, that such number of shares of Employee to be
included therein shall not be reduced if any shares are to be included in such
underwriting other than (i) shares offered for the account of the Company or
(ii) shares purchased prior to the initial public offering at a price of $1.25
or more per share, or (iii) shares of the Company's Chairman and Chief Operating
Officer to be included therein, and provided, further, however, that in
connection with an underwritten public offering initiated by the Company, in no
event may less than twenty percent (20%) of the total number of shares of Common
Stock to be included in such underwriting be made available for (i) shares of
Employee to be included therein, (ii) shares purchased prior to the initial
public offering at a price of $1.25 or more per share, and (iii) shares of the
Company's Chairman and Chief Operating Officer to be included therein. The
provisions of this paragraph 4.5 and Employee's rights hereunder shall be
applicable to each and every public offering of the Company's Common Stock after
the commencement date of the Employment Period. Excluding underwriting discounts
and selling commissions applicable to the sale of Employee's stock, any and all
expenses incurred by Employee in connection with such offering of his stock,
including, without limitation, registration fees, underwriters commissions,
Employee's legal counsel fees, etc., shall be paid by the Company and Employee
shall have no liability whatsoever therefor.

                  Article 5. Benefits
                             --------

                  5.1 No later than December 31, 2002, the Company shall obtain
and pay for life insurance on Employee in the amount of one million dollars
($1,000,000). The proceeds of such insurance shall be payable and paid to
Employee's beneficiary in accordance with Section 6.2. After December 31, 2002
and until the end of the Employment Period, the Company shall obtain and pay for
disability insurance on Employee providing for monthly payments to Employee of
at least $9,100 in the case of Employee becoming permanently disabled as defined
in Section 6.3. All terms and conditions in this paragraph 5.1 are subject to
the determination by the Company's Board of Directors that the payment of such
benefit is financial feasible.

                  5.2 Except as otherwise expressly provided herein, during the
Employment Period, Employee shall be covered by and participate in the Company's
various benefits as in effect from time to time, including, without limitation,
the Company's medical benefits plan and long term disability plan, as and to the
extent customarily provided by the Company to its other most senior executives
and shall be entitled to paid vacation in accordance with the Company's then
current vacation policy.

                  Article 6. Death and Disability
                             --------------------

                  6.1 It is understood and acknowledged that Employee's efforts
expended to date and to be hereafter expended are necessary in order for the
Company to achieve any significant

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<PAGE>

growth and success. Accordingly, if during the Employment Period Employee should
become permanently disabled (as defined in Section 6.3) or should die (i) any
and all amounts which would have been paid to Employee under Article 3 had he
not become disabled or died shall be paid in full to Employee, or, in the case
of his death, to Employee's beneficiary in accordance with Section 6.2 and (ii)
Employee, or, in the case of his death, Employee's beneficiary (determined as
set forth in Section 6.2), shall have the full right to exercise the options set
forth in Article 4; provided, however, that for the purposes of this Section 6.1
only, the Employment Period shall end at the end of the five year period in
which such disability or death occurs and shall not be automatically extended
for any additional period, without any requirement that the Company give written
notice of termination at the end of such five year period in accordance with
Article 1.

                  6.2 Whenever any of the provisions of this Agreement require
the payment of any amount and/or distribution of any options or stock to
Employee's beneficiary, such payment and/or distribution shall be made to such
individual or individuals, and in such shares, as Employee shall last have
designated by written notice to the Company or, in the absence of an effective
designation, to his widow or, if she shall not then be living, to his children
in equal shares or, if no such child shall then be living, to his descendants in
equal shares per stirpes. If no such beneficiary shall be living when any such
payment and/or distribution is required to be made, such payment and/or
distribution shall be made to Employee's estate. Employee may, in the manner
provided above, change any such designation from time to time, may designate
successor beneficiaries and may make separate designations in respect of each
provision of this Agreement under which any such payment may be made.

                  6.3 For the purposes of this Agreement, Employee shall be
deemed to have become permanently disabled if Employee should be unable, due to
physical or mental incapacity, to substantially perform Employee's duties and
responsibilities under this Agreement for a period of one hundred eighty (180)
consecutive days.

                  7. Termination
                     -----------

                  7.1 Subject to the provisions of this Article 7, Employee's
employment with the Company may be terminated at any time (i) by the Company,
"For Cause" or "Without Cause", by giving written notice of termination to
Employee, in the manner provided in Article 10, no later than sixty (60)
calendar days prior to the date elected by the Company as the termination date,
or (ii) (i) by Employee, by written resignation, in the manner provided in
Article 10, no later than sixty (60) calendar days prior to the date elected by
Employee as the resignation date; the Employment Period shall end and terminate
on the aforesaid termination date or resignation date, as the case may be.

                  7.2 Termination "For Cause".
                      -----------------------

                  (a) For the purposes of this Agreement, "For Cause" is defined
as a termination for: (i) willful breach of confidentiality, non-disclosure or
non-compete obligations to the Company; (ii) conviction of, or plea of nolo
contendere to, any felony involving dishonesty or

                                       6

<PAGE>

moral turpitude; or (iii) conviction for fraud, embezzlement or other act of
dishonesty that causes material injury to the Company or any of its affiliates.

                  (b) If Employee's employment with the Company should be
terminated by the Company "For Cause", Employee shall not be entitled to receive
any base compensation under Section 3.1 after the date of such termination;
however, Employee's rights and benefits under all other Articles and Sections of
this Agreement shall continue for a period of no longer than three (3) months.
Employee's right to purchase shares of the Company's stock under Article 4 shall
continue to be governed by the Employee's stock option agreement.

                  7.3 Termination "Without Cause" or Certain Resignation.
                      --------------------------------------------------

                  (a) For the purposes of this Agreement, "Without Cause" is
defined as a termination for any reason other than "For Cause".

                  (b) If Employee's employment with the Company should be
terminated by the Company "Without Cause", or if Employee should resign his
employment with the Company because of demotion from President of the Company
then in such case:

                  (i) Employee shall be entitled to receive any and all amounts
                  which would have been paid to Employee (i.e., base
                  compensation and additional incentive compensation) under
                  Article 3, as in effect on the date immediately prior to
                  Employee's termination hereunder, had his employment had not
                  been so terminated shall be paid in full to Employee until the
                  end of the five year period under Article 3 in which such
                  termination occurred (with regard to the additional incentive
                  compensation, such compensation shall be determined based upon
                  the fiscal year in which such termination date occurs and the
                  amount of such additional compensation as so determined shall
                  be payable for each fiscal year which commences within such
                  five year period);

                  (ii) Employee shall have the full right to exercise the
                  options and purchase shares set forth in Article 4 in
                  accordance with terms of the applicable stock option
                  agreement;

                  (iii) In lieu of the payments provided in (i) of this Section
                  7.3, Employee may elect in writing the payment to Employee by
                  the Company of a lump sum settlement in an amount equal to
                  eighty percent (80%) of the total aggregate payments that
                  would have been payable under such (i) of this Section 7.3;
                  and

                  (iv) Employee's rights and benefits under all other Articles
                  and Sections of this Agreement shall continue in accordance
                  with the terms and provisions thereof, including, without
                  limitation, Employee's rights and benefits under Article 5.


                                       7

<PAGE>

                  7.4 Resignation by Employee
                      -----------------------

                  If Employee should resign his employment with the Company for
any reason other than demotion from President of the Company or a Business
Combination, then in such case, the Company shall have no liability or
obligation to Employee hereunder or otherwise in respect of his employment other
than the obligation to pay to Employee any accrued and unpaid base compensation
under Section 3.1 as of the date of termination plus such additional
compensation as shall be due to Employee under Section 3.2 in respect of any
fiscal year in which such resignation occurs and the amount of such additional
compensation in respect of such fiscal year shall not be prorated even though
such resignation occurs within such fiscal year.

                  Article 8. Business Combination
                             --------------------

                  8.1 For purposes of this Article 8, a "Business Combination"
shall mean the merger or consolidation of the Company with or into, the sale or
other transfer of all or substantially all of the assets and/or business of the
Company to, or the ownership of ten percent (10%) or more of the total voting
capital stock of the Company then issued and outstanding by, any person or
entity not affiliated with the Company as of October 1, 2001.

                  8.2 It is expressly recognized by the parties that a Business
Combination would necessarily result in the material alteration or diminishment
of Employee's position and responsibilities. Therefore, if, during the
Employment Period, there shall occur, with or without the consent of the
Company, a Business Combination, Employee shall have the right to terminate his
obligations under this Agreement and the Employment Period by giving written
notice in the manner provided in Article 10 within thirty (30) calendar days
after the effective date of the Business Combination. It is expressly recognized
that Employee's position with the Company and agreement to be bound by the terms
of this Agreement represent a commitment in terms of Employee's personal and
professional career which cannot be reduced to monetary terms and necessarily
constitutes a forbearance of options now and in the future open to Employee in
the Company's areas of endeavor. Accordingly, in the event that Employee elects
to terminate under this Article 8 his obligations under this Agreement because
of a Business Combination:

         (a)      Employee shall be under no obligation whatever to seek other
                  employment opportunities during any period between termination
                  of this Agreement under this Article 8 and expiration of
                  Employee's unexpired Employment Period as it existed at the
                  time of termination, and Employee shall not be obligated to
                  accept any other employment opportunity, which may be offered
                  to Employee during such period.

         (b)      During the period commencing from the termination date
                  hereunder and ending five (5) years thereafter, Employee shall
                  receive for each year of such period on a semi-monthly basis,
                  an amount equal to two hundred percent (200%) of Employee's
                  annual compensation (i.e., base compensation and additional
                  incentive compensation) under Article 3 as in effect on the
                  date immediately prior to Employee's termination hereunder
                  (with regard to the additional incentive compensation, same
                  shall be determined hereunder based upon the results of the

                                       8
<PAGE>

                  fiscal year which ended no earlier than six (6) months prior
                  to the termination date; otherwise, the results of the last
                  fiscal year to commence before the termination date shall be
                  used).

         (c)      In lieu of the semi-monthly payments provided in (b) of this
                  Section 8.2, Employee may elect in writing the payment to
                  Employee by the Company of a lump sum settlement in an amount
                  equal to eighty percent (80%) of the total aggregate payments
                  that would have been payable under such (b) of this Section
                  8.2.

         (d)      All of Employee's rights under this Agreement, including,
                  without limitation, the right to exercise the options and
                  purchase shares set forth in Article 4 in accordance with
                  terms of the applicable stock option agreement, shall continue
                  in full force and effect in accordance with their terms.

The payments to be made to Employee under (b) or (c) above of this Section 8.2
shall be in lieu of Employee's rights to receive payments under Article 3;
however, notwithstanding Employee's election to terminate under this Article 8
his obligations under this Agreement because of a Business Combination,
Employee's rights and benefits under all other Articles and Sections of this
Agreement shall continue in accordance with the terms and provisions thereof,
including, Employee's rights and benefits under Article 5.

                  8.3 Employee's termination of his obligations under this
Agreement by reason of a Business Combination as described in this Article 8 and
the receipt by Employee of any amounts pursuant to Section 8.2 shall not
preclude (i) Employee's continued employment with the Company, or the surviving
entity in any Business Combination, on such terms as shall be negotiated between
the Company (or such surviving entity) and Employee following such termination
or (ii) Employee's employment by any other party after the date of such
termination.

                  Article 9. No Adequate Remedy
                             ------------------

                  The parties declare that it is impossible to measure in money
the damages which will accrue to either party by reason of a failure to perform
any of the obligations under this Agreement. Therefore, if either party shall
institute any action or proceeding to enforce the provisions hereof, such person
against whom such action or proceeding is brought hereby waives the claim or
defense that such party has an adequate remedy at law, and such person shall not
urge in any such action or proceeding the claim or defense that such party has
an adequate remedy at law.

                  Article 10. Notices
                              -------

                  Any notice, request, consent, waiver or other communication
given, made or withdrawn pursuant to this Agreement to be effective shall be in
writing or by telegram, telex or other electronic written communication and
shall be effective (a) same day when delivered personally to Employee or to the
Company, as the case may be, by hand or courier service or (b)

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<PAGE>

three (3) business days after deposit in the mail, sent certified, postage
prepaid, or (c) same day when sent by telex or other electronic written
communication, answerback or other acknowledgement of receipt received,
addressed as provided below, or to such other address as may be designated by
any party hereto giving or changing its address:

                           If to Employee, to:

                           George A. Pacinelli
                           2520 Jardin Drive
                           Weston, Florida 33327

                           If to the Company, to:

                           Intercallnet, Inc.
                           6340 NW 5th Way
                           Fort Lauderdale, Florida 33309


                  Article 11. Personal Agreement
                              ------------------

                  This Agreement is personal. Employee shall not have the right
to assign, sell, pledge or otherwise dispose of his rights and obligations under
this Agreement without the Company's prior written consent and then only in
accordance with such consent.

                  Article 12. Confidential
                              ------------

                  It is understood and agreed by the parties hereto that the
matters described in this Agreement and the terms and conditions of this
Agreement shall be treated as confidential by Employee and the Company and shall
not be disclosed or made available by Employee or the Company to any third party
without the prior written consent of the other party hereto and then only to the
extent and only in accordance with the conditions set forth in any such consent.

                  Article 13. Miscellaneous Provisions
                              ------------------------

                  13.1 This Agreement contains the sole and complete agreement
concerning the arrangements between the parties and supersedes and replaces any
and all prior agreements, written and/or oral, between the parties; accordingly,
all of such prior agreements between the parties are null and void and without
any force or effect. Neither party has made any representation with respect to
the subject matter of this Agreement or any representations inducing the
execution and delivery hereof except such representations as are specifically
set forth herein and each of the parties hereto acknowledges that he or it has
relied on his or its own judgment in entering into this Agreement.

                  13.2 No waiver, amendment or modification of this Agreement or
of any covenant, condition or limitation herein contained shall be valid unless
in writing and duly

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<PAGE>

executed by the party to be charged therewith and no evidence of any waiver,
amendment or modification shall be offered or received in evidence in any
proceeding, arbitration or litigation between the parties hereto arising out of
or affecting the Agreement, or the rights or obligations of the parties
hereunder, unless such waiver, amendment or modification is in writing, duly
executed as aforesaid. The parties further agree that the provisions of this
Section 13.2 may not be waived except as herein set forth.

                  13.3 The Article captions are inserted only as a matter of
convenience, and shall not be used in any manner to interpret the provisions
thereof.

                  13.4 This Agreement is executed and delivered in the State of
Florida and shall be construed and enforced in accordance with the laws and
decisions of that State, without reference to its choice of laws rules.

                  13.5 The effective date of this Agreement for all purposes
shall be the date first above written.

                  IN WITNESS WHEREOF, the parties hereto have executed this
Agreement or caused it to be executed in their name and on their behalf by their
respective representatives thereunto duly authorized as of the date first above
written.


                                        Employer:

                                        Intercallnet, Inc.


                                        By: /s/ Scott R. Gershon
                                            ------------------------------------
                                            Scott R. Gershon
                                            Chief Executive Officer


                                        Employee:


                                        By: /s/ George A. Pacinelli
                                            ------------------------------------
                                            George A. Pacinelli
                                            President