Document:

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                                                                Exhibit 10.21

                 Neidiger Tucker Bruner, Inc. Investment Bankers
                         1675 Larimer Street, Suite 300
                             Denver, Colorado 80202

October 27, 1999

Mr. Mark Munro
President
BiznessOnline.com
1720 Route 34
PO Box 1347
Wall, NJ  07719

Dear Mark:

The purpose of this letter is to confirm that BiznessOnline.com (the "Company")
is retaining Michael E. Shonstrom of Neidiger, Tucker, Bruner, Inc. ("NTB") as a
non-exclusive financial consultant/advisor in connection with such activities
necessary to improve market visibility and investor interest.

NTB will be compensated as follows: payment of an expense allowance of $5,000
and warrants to purchase 15,000 shares @ $9.00, which terminate in three years,
with full registration rights and anti-dilution protection, to be vested at the
end of the first year. The expense allowance is to be paid in cash at the time
this agreement is executed.

Notwithstanding any provisions hereof to the contrary, the Company and/or NTB
may terminate this agreement by giving the other party sixty (60) days written
notice. In the event of such termination, the Company shall continue to be
responsible to NTB for payment of the fees as set forth above on a pro-rata
basis for the period in which the agreement was in force, to include warrants.
Further, the Company will be responsible for payment of any reasonable expenses
incurred in the course of making institutional investor presentations.

This letter of agreement shall be binding upon and shall inure to the benefit of
parties hereto, their heirs, personal representatives, successors and assigns.
In the event of any disagreement arising hereunder, same shall be submitted to
arbitration in Denver, Colorado in accordance with the rules of the American
Association of Arbitration. The discovery provisions of the Federal Rules of
Civil Procedure shall be applicable to such arbitration proceedings. All notices
hereunder shall be given by certified mail, return receipt requested, and shall
be effective upon receipt provided addressed to NTB at the address set forth on
this letterhead and provided addressed to you at the address set forth above.
This letter agreement shall be governed by the laws of the State of Colorado and
can be modified or amended only by a written agreement signed by both of the
parties.

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You agree to indemnify NTB against and hold NTB harmless from any losses,
claims, damages, or liabilities, joint or several, to which NTB may become
subject in connection with the services which are the subject of this letter and
reimburse NTB for any legal or other expenses reasonably incurred by it in
connection with investigating or defending against any loss, claim, damage or
liability, or any action in respect thereof; provided, however, that you shall
not be liable under the foregoing indemnity agreement in respect of any loss,
claim, damage or ability to the extent that a court having jurisdiction shall
have determined by a final judgment that such loss, claim, damage, or liability
resulted from the willful misfeasance or gross negligence of NTB. The indemnity
agreement in this paragraph shall, upon the same terms and conditions, extend to
and inure to the benefit of each person, if any, who may be deemed to control
NTB.

Please confirm that the foregoing is in accordance with your understanding by
signing and returning to us a copy containing your executed acceptance. We look
forward to working with you in connection with this matter.

                                          Sincerely yours,

                                          NEIDIGER, TUCKER, BRUNER, INC.

                                          By: /s/ NEIDIGER, TUCKER, BRUNER, INC.
                                              ----------------------------------

                                   ACCEPTANCE

Mark E. Munro does hereby accept the terms and provisions of the foregoing
letter agreement and does this 27th day of October, 1999, agree to be bound by
same.

                                          By: /s/ Mark E. Munro
                                              ---------------------------------
                                                  President<PAGE>

                                                                   Exhibit 10.22

                              EMPLOYMENT AGREEMENT

THIS EMPLOYMENT AGREEMENT (the "Agreement") is entered into as of this 22nd day
of May, 1999, by and between, BiznessOnline.com, Inc., a Delaware corporation
(the "Company") and Anthony Bruno, an individual with a mailing address at 40
Brentwood Road, Exeter, NH 03833 ("Employee").

                                  INTRODUCTION

The Company is in the business of acquiring Internet service provider
businesses. Employee possesses skills and knowledge advantageous to the Company.
The Company desires to employ Employee and Employee desires to accept such
employment on the terms and conditions set forth herein.

                                    AGREEMENT

In consideration of the premises and mutual promises herein below set forth, the
parties hereby agree as follows:

1.    EMPLOYMENT; DUTIES. Subject to the terms and conditions set forth herein,
      the Company hereby employs Employee during the Employment Period (as
      defined below), and Employee hereby accepts such employment. Employee
      agrees to be a full-time employee of the Company and devote his full and
      exclusive time, energy, skill and best efforts to the business of the
      Company and to the fulfillment of Employee's duties hereunder. Employee's
      duties include, but are not limited to, (i) serving as Vice President of
      Operations of the Company; (ii) assisting in the internal growth of the
      Company's business; and (iii) other duties assigned to Employee by the CEO
      of the Company from time to time consistent with Employee's position.

2.    EMPLOYMENT PERIOD. Subject to earlier termination pursuable to SECTION 4
      and SECTION 5 below, this Agreement shall commence on the date hereof and
      continue for a one (1) year period (the "Employment Period"). Thereafter,
      this Agreement shall automatically renew for additional one (1) year
      periods unless the Company gives the Employee ninety (90) days written
      notice of its intention not to renew prior to the end of the then current
      one (1) year term.

3.    COMPENSATION AND BENEFITS.

      3.1.  SALARY. During the Employment Period, the Company agrees to pay
            Employee at the rate of $85,000 per annum ("Base Salary").
            Employee's salary shall be subject to customary withholdings and be
            payable to Employee on the regularly occurring pay period
            established time to time by the Company.

      3.2.  HEALTH BENEFITS. During the Employment Period, the Company shall
            provide Employee with family health care coverage, as provided by
            health care provider(s) selected by the Company from time to time.
            3.3. BONUS. During the Employment Period, Employee shall be eligible
            for discretionary bonuses based upon realization of specific growth
            objectives determined by the Company including.

      3.4.  RETIREMENT PLAN. During the Employment Period, Employee shall be
            entitled to participate in any 401(k) or similar benefit/profit
            sharing plan adopted by the Company for the benefit of its
            employees. The Company reserves the right to modify, terminate or
            withdraw any such plan (if so adopted) at any time in its sole
            discretion.

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      3.5.  STOCK OPTIONS. Employee shall receive an initial grant of incentive
            stock options for 30,000 shares of common stock of the Company with
            a three (3) year vesting plan (i.e. 10,000 per year) provided any
            options not vested upon termination of employment shall terminate.
            The Company shall provide a customary option agreement to Employee.

      3.6.  VACATION. Employee may take up to three (3) weeks paid vacation in
            each calendar year during the Employment Period.

      3.7.  RELOCATION: MOVING EXPENSES. The Company shall reimburse Employee
            for any temporary hotel/travel expenses prior to permanent
            relocation and for moving expenses for home furnishings.

4.    TERMINATION BY THE COMPANY FOR CAUSE. Upon written notice to Employee, the
      Company may terminate this Agreement for cause if any of the following
      events shall occur: (i) any breach of this Agreement by Employee; (ii) the
      commission of a felony by Employee; or (iii) the commission of an act by
      Employee involving fraud, theft or dishonesty. In the event of a
      termination pursuant to this SECTION 4, all obligations of the Company
      under this Agreement shall cease and any stock options, which have not
      vested, shall terminate.

5.    TERMINATION WITHOUT CAUSE.

      5.1.  BY EMPLOYER. The Company may terminate this Agreement at any time
            without cause upon thirty (30) days written notice to Employee. In
            such event, the Company shall, for the greater of six (6) months or
            the remainder of the initial one-year term pay Employee during
            regular payroll periods (less customary withholding taxes) the Base
            Salary and (ii) provide the health benefits described in SECTION
            3.2. Provided, however, in either case the Company's severance
            obligations hereunder will end on the date Employee secures new
            employment.

      5.2.  BY EMPLOYEE. Employee may terminate this Agreement at any time upon
            one hundred and twenty (120) days prior written notice to the
            Company. In such case, Employee shall not be eligible for any
            severance payments or other benefits after the date of termination.

      5.3.  TERMINATION OF STOCK OPTIONS. In the event of a termination pursuant
            to this SECTION 5, any stock options, which have not vested, shall
            terminate.

6.    CONFIDENTIALITY AND NON-DISCLOSURE. Employee recognizes and acknowledges
      that during the Employment Period he will have access to certain
      confidential information relating to the Company and its affiliates,
      including, but not limited to, operational policies, financial
      information, marketing information, personnel information, trade secrets,
      customer information (including customer lists), and pricing and cost
      policies, that are valuable, special and unique assets of the Company
      (collectively, "Confidential Information"). Employee agrees that he will
      not use or disclose such Confidential Information to any person, firm,
      corporation, association or other entity for any purpose or reason
      whatsoever, except as is required in the course of performing his duties
      hereunder unless (i) such information becomes known to the public
      generally through no breach by Employee of this covenant or (ii)
      disclosure is required by law or any governmental authority or is required
      in connection with the defense of a lawsuit against the disclosing party,
      provided, that prior to disclosing any information pursuant to this clause
      (ii), Employee shall give prior written notice thereof to the Company and
      provide the Company with the opportunity to contest such disclosure.
      Employee agrees that, both during the Employment Period and for a period
      of twenty-four (24) months after the

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      termination of this Agreement, Employee will hold in a fiduciary capacity
      for the benefit of the Company, and shall not directly or indirectly use
      or disclose, except as authorized by the Company in connection with the
      performance of Employee's duties, any Confidential Information, that
      Employee may have or may acquire (whether or not developed or compiled by
      Employee and whether or not Employee has been authorized to have access to
      such Confidential Information) during the term of this Agreement. The
      covenants contained in this SECTION 6 shall survive for the Employment
      Period and for a period of twenty-four (24) months thereafter; provided,
      however, that with respect to those items of Confidential Information
      which constitute trade secrets under applicable law, Employee's
      obligations of confidentiality and non-disclosure as set forth in this
      SECTION 6 shall continue to survive after the applicable period above to
      the greatest extent permitted by applicable law. These rights of the
      Company are in addition to those rights the Company has under the common
      law or applicable statutes for the protection of trade secrets.

7.    NON-COMPETITION. Employee expressly covenants and agrees that for the
      Employment Period and for a period of twenty four (24) months thereafter,
      he shall not, directly or indirectly, seek, obtain or accept a
      "Competitive Position" in the "Restricted Territory" with a "Competitor"
      of the Company (as such terms are hereafter defined). For purposes of this
      Agreement, a "Competitor" of the Company means any business, individual,
      partnership, joint venture, association, firm, corporation or other entity
      engaged, wholly or partly, in the business of selling internet access
      service or in any related business which the Company and/or its affiliates
      may engage in from time to time during the term of this covenant; the
      "Restricted Territory" means each state of the United States of America in
      which the Company and/or its affiliates transacts business during the term
      of this covenant; a "Competitive Position" means any employment with any
      Competitor of the Company whereby Employee will use or is likely to use
      any Confidential Information, or whereby Employee has duties for such
      Competitor that are the same or substantially similar to those actually
      performed by Employee pursuant to the terms hereof. Nothing contained in
      this SECTION 7 is intended to prevent Employee from investing in stock or
      other securities listed on a national securities exchange or actively
      traded on the over the counter market or any corporation engaged, wholly
      or partly, in the sale of telecommunications products or services;
      provided, however, that Employee and members of his immediate family shall
      not, directly or indirectly, hold more than a total of two percent (2%) of
      all issued and outstanding stock or other securities of any such
      corporation.

8.    NON-SOLICITATION.

      8.1.  NON-SOLICITATION OF CUSTOMERS. Employee agrees that he will not take
            any customer lists of the Company after leaving his employ and that
            he will, for the Employment Period and for a period of twenty-four
            (24) months thereafter, refrain from soliciting or attempting to
            solicit directly or by assisting others, any business from any of
            the Company's customers, including actively sought prospective
            customers, with whom Employee had "material contact" during the
            employment for purposes of providing products or services.

      8.2.  NON-SOLICITATION OF EMPLOYEES. Employee agrees that he will, for the
            Employment Period and for a period of twenty-four (24) months
            thereafter, refrain from recruiting or hiring, or attempting to
            recruit or hire, directly or by assisting others, any other employee
            of the Company who is employed by the Company or any successor or
            affiliate of the Company.

9.    TOLLING OF PERIOD OF RESTRAINT. Employee hereby expressly acknowledges and
      agrees that in the event the enforceability of any of the terms of this
      Agreement shall be challenged in court and Employee is not enjoined from
      breaching any of the restraints set forth in SECTION 6 through SECTION 8,
      then if a court of competent jurisdiction finds that the challenged
      restraint is

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      enforceable, the time period of the restraint shall be deemed tolled upon
      the filing of the lawsuit challenging the enforceability of the restraint
      until the dispute is finally resolved and all periods of appeal have
      expired.

10.   ACKNOWLEDGEMENTS. Employee hereby acknowledges and agrees that the
      restrictions contained in SECTION 6 through SECTION 9 are fair and
      reasonable and necessary for the protection of the legitimate business
      interests of the Company. Employee acknowledges that in the event
      Employee's employment with the Company terminates for any reason, Employee
      will be able to earn a livelihood without violating the restrictions
      contained in SECTION 6 through SECTION 9 and that Employee's ability to
      earn a livelihood without violating such restrictions is a material
      condition to Employee's employment and continued employment with the
      Company. Employee expressly agrees that the character, duration and
      geographical scope of the covenants contained in this SECTION 6 through
      SECTION 9 are reasonable in light of the circumstances as they exist at
      the date upon which this Agreement has been executed. However, should a
      determination nonetheless be made by a court of competent jurisdiction at
      a later date that the character, duration or geographical scope of the
      covenants contained herein are unreasonable in light of the circumstances
      as they then exist, then it is the intention of both Employee and the
      Company that these covenants shall be construed by the court in such a
      manner as to impose only those restrictions on the conduct of Employee
      which are reasonable in light of the circumstances as they then exist and
      necessary to assure the Company of the intended benefit of these
      covenants.

11.   RIGHTS TO MATERIALS; WORK FOR HIRE. All records, files, memoranda,
      reports, price lists, customer lists, drawings, plans, sketches, documents
      and the like (together with all copies thereof) relating to the business
      of the Company, which Employee shall use or prepare or come in contact
      with in the course of, or as a result of, his employment shall, as between
      the parties hereto, remain the sole property of the Company. Upon the
      termination of Employment or upon the prior demand of the Company,
      Employee shall immediately return all such materials and shall not
      thereafter cause removal thereof from the premises of the Company.
      Employee agrees to disclose and assign to the Company as its exclusive
      property, all ideas, writings, inventions, discoveries, improvements and
      technical or business innovations made or conceived by Employee, whether
      or not patentable or copyrightable, either solely or jointly with others
      during the Employment Period and for a period of two (2) years thereafter
      whether or not made or conceived during regular hours of work or
      otherwise, which are along the lines of the business, work or
      investigations of the Company or its affiliates. Employee agrees to
      execute any and all documents hereafter requested by the Company necessary
      to further effectuate the foregoing.

12.   REMEDIES. Without limiting the Company's right to claim damages, Employee
      acknowledges that the Company will be irreparably harmed by a breach of
      any provision of this Agreement and Employee agrees that the Company shall
      be entitled to injunctive relief in the event of such breach.

13.   GOVERNING LAW; ARBITRATION; JURISDICTION; VENUE; ATTORNEY'S FEES. This
      Agreement is made and entered into in and shall be governed by and
      interpreted in accordance with the laws of, the State of New Jersey. The
      Company and Employee agree that any dispute regarding this Agreement shall
      be submitted to arbitration to and shall be resolved in accordance with
      the rules of the JAMS/Endispute for expedited cases then in effect. The
      parties shall mutually select the arbitrator(s) or in the event the
      parties cannot mutually agree, then appointed by JAMS/Endispute. Any
      arbitration shall be held within a forty-five (45) mile radius of Wall,
      New Jersey and the arbitrator(s) shall apply New Jersey law. Judgment upon
      any award rendered by the arbitrator(s) shall be final and may be entered
      in any court of competent jurisdiction. Notwithstanding the foregoing, the
      Company shall have the absolute right to obtain equitable remedies in any
      state court of competent

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      jurisdiction in the State of New Jersey or in the United States District
      Court in the state of New Jersey. By his execution and delivery of this
      agreement, Employee irrevocably submits to and accepts the exclusive
      jurisdiction of each of such courts and waives any objection (including
      any objection to venue or any objection based upon the grounds of forum
      non convenient) which might be asserted against the bringing of any such
      action, suit or other legal proceeding in such courts. The court and/or
      arbitrator(s) shall award costs and expenses (including reasonable
      attorney's fees) to the prevailing party in any litigation or arbitration.

14.   MISCELLANEOUS.

      14.1. ENTIRE AGREEMENT. This Agreement constitutes the entire agreement
            between the parties hereto with respect to the subject matter hereof
            and supersedes any and all previous agreements, written and oral,
            regarding the subject matter hereof between the parties hereto. This
            Agreement shall not be changed, altered, modified or amended, except
            by a written agreement signed by both parties hereto.

      14.2. NOTICES. All notices, requests, demands and other communications
            required or permitted to be given or made under this Agreement shall
            be in writing and shall be deemed to have been given if delivered by
            hand, sent by generally recognized overnight courier service, telex
            or telecopy, or mail,

(a)         To the Company:                  With a copy to:

            BiznessOnline.com                Duffy & Sweeney, LLP
            1100 First Avenue                300 Turks Head Building
            Spring Lake, NJ 07762            Providence, RI 02903
            Attention: Mark E. Munro, CEO    Attention: Michael F. Sweeney, Esq.
            Telephone: (732) 280-6408        Telephone: (401) 455-0700
            Fax: (732) 280-6409              Fax: (401) 455-0701

(b)         To the Employee at:

            Anthony Bruno
            40 Brentwood Road
            Exeter, NH 03833

      14.3. ASSIGNMENT. The Company may assign this Agreement to any entity
            controlling, controlled by or under common control with the Company
            or (ii) to any purchaser of the Company's assets provided that such
            purchaser agrees to assume the Company's obligations hereunder.

      14.4. SEVERABILITY. If any term or provision of this Agreement, or the
            application thereof to any person or under any circumstance, shall
            to any extent be invalid or unenforceable, the remainder of this
            Agreement, or the application of such terms to the persons or under
            circumstances other than those as to which it is invalid or
            unenforceable, shall be considered severable and shall not be
            affected thereby, and each term of this Agreement shall be valid and
            enforceable to the fullest extent permitted by law. The invalid or
            unenforceable provisions shall, to the extent permitted by law, be
            deemed amended and given such interpretation as to achieve the
            economic intent of this Agreement.

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14.5. WAIVER. The failure of any party to insist in any one instance or more
      upon strict performance of any of the terms and conditions hereof, or to
      exercise any right or privilege herein conferred, shall not be construed
      as a waiver of such terms, conditions, rights or privileges, but same
      shall continue to remain in full force and effect. Any waiver by any party
      of any violation of, breach of or default under any provision of this
      Agreement by the other party shall not be construed as, or constitute, a
      continuing waiver of such provision, or waiver of any other violation of,
      breach of or default under any other provision of this Agreement.

14.6. TITLES;GENDER. Section and subsection titles are for convenience of
      reference only and are not to be considered in the interpretation or
      construction of any of the provisions hereof. All pronouns or any
      variations thereof contained in this Agreement refer to the masculine,
      feminine or neuter as the identity of the person may require.

14.7. SURVIVAL. SECTION 6 through SECTION 14 hereof shall survive any
      termination of this Agreement.

14.8. EXECUTION IN COUNTERPARTS. This Agreement may be executed in counterparts,
      each of which shall be deemed an original, but all of, which shall
      constitute one and the same document.

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

                                        COMPANY:

ATTEST:                                 BiznessOnline.com, Inc.

                                        /s/ Mark E. Munro
                                        ----------------------------------------
                                        By: Mark E. Munro

WITNESS:                                EMPLOYEE:

________________________________        /s/ Anthony Bruno
                                        ----------------------------------------
                                        Anthony Bruno

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