Document:

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                                                                   Exhibit 10.11

                                         PERSONAL AND CONFIDENTIAL

January 5, 2001

Mr. Jeff White
3107 Cedar Ridge Road
Oconomowoc, WI 53066

Dear Jeff:

On behalf of RCN Corporation ("RCN"), I am pleased to offer you the position of
President, Customer and Field Operations reporting to me. Your reporting
location, as of your starting of January 8, 2001, will be 105 Carnegie Center,
Princeton, NJ 08540.

Your compensation will be as follows:

1.       Annual base salary of $300,000 paid on a bi-weekly basis with
         performance based salary reviews in twelve (12) month cycles.

2.       Participation in RCN's Short-Term Incentive Plan. Your annual incentive
         bonus will be awarded based upon performance by RCN against corporate
         goals and your individual achievements during 2001. Your target bonus
         is sixty-five percent (65%). You must be an active employee to be
         eligible for the pay out when it is made.

3.       You may participate in the RCN Corporation Executive Stock Purchase
         plan. This plan offers eligible executives of the Company the
         opportunity to defer the receipt of a portion of their compensation (to
         a maximum of 20%) on a pre-tax basis and to have the deferred amounts
         reflect the value of shares of the Company's common stock. In addition,
         when an executive defers a portion of his or her cash compensation
         under the plan, RCN will credit a matching contribution equal to 100%
         of the amount of the deferred compensation, subject to the terms
         outlined in the attached "RCN Corporation Executive Stock Purchase
         Plan". You will be eligible to participate in the plan after you have
         completed one full calendar quarter of employment with RCN.

4.       Subject to the terms and conditions of the RCN Corporation 1997 Equity
         Incentive Plan, you will be granted options to purchase up to 262,500
         shares of the Company's $1 par value Common Stock ("the Common Stock")
         with an exercise price determined by the average of the fair market
         value closing price of the first 15 business days in January, 2001.
         (The exercise price will reflect the closing price of the day during
         this period which is closest to this average.) You will vest one third
         of these options on the first anniversary of your start date and one
         twelfth of these options each quarter for each of the 8 quarters
         following your first anniversary as indicated below. These options will
         have a five (5) year term. Vesting schedule is as follows:
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                           First Year Anniversary             87,500 shares
                           March 31, 2002                     21,875 shares
                           June 30, 2002                      21,875 shares
                           September 30, 2002                 21,875 shares
                           December 31, 2002                  21,875 shares
                           March 31, 2003                     21,875 shares
                           June 30, 2003                      21,875 shares
                           September 30, 2003                 21,875 shares
                           December 31, 2003                  21,875 shares

         You will be considered for future option awards based on your level.

5.       Subject to the terms and conditions of the RCN Corporation 1997 Equity
         Incentive Plan, you will be granted 87,500 Outperformance Options
         (OSO's) as of your date of hire. The initial price of the OSO's will be
         determined by the average of the fair market value closing price of the
         first 15 business days in January, 2001. (The initial price will
         reflect the closing price of the day during this period which is
         closest to this average.) This initial price will be used as the basis
         in assessing RCN performance against the Standard & Poor's 500 Index
         upon which the OSO's are indexed. These options will vest over five
         years beginning on your first year anniversary and will have a 10 year
         term. The vesting schedule shall be as follows:

                           First Year Anniversary             17,500 shares
                           Second Year Anniversary            17,500 shares
                           Third Year Anniversary             17,500 shares
                           Fourth Year Anniversary            17,500 shares
                           Fifth Year Anniversary             17,500 shares

6.       As of your start date, you will be granted a one million dollar value
         of restricted stock with a price determined by the average of the fair
         market value closing prices of the first 15 business days in January,
         2001. (The exercise price will reflect the closing price of the day
         during this period which is closest to this average.) One third of the
         stock granted will vest upon the first month that any market becomes
         EBITDA positive (assuming results are due to normal trending with no
         major out-of-period anomalies or one-time enhancements and adjusting
         for any unusual or one time charges). The second third will vest upon
         the first anniversary date of that market becoming EBITDA positive, and
         the final third will vest upon the second anniversary date of that
         market becoming EBITDA positive.

7.       You will receive a second one million dollar value of restricted stock
         granted upon the first month that a market becomes EBITDA positive
         (assuming results are due to normal trending with no major
         out-of-period anomalies or one-time enhancements and adjusting for any
         unusual or one time charges). The strike price of this second grant
         will be the average of the fair market stock price during the month
         that the first market achieved positive EBITDA. The first third will
         vest upon the first month that the second market becomes EBITDA
         positive (assuming results are due to normal trending with no major
         out-of-period anomalies or one-time enhancements and adjusting for any
         unusual or one time charges). The second and final third will vest upon
         the first and second anniversary dates, respectively, of that second
         market becoming EBITDA positive.
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8.       You will receive a five hundred thousand dollar value of restricted
         stock granted upon the first month that a second market becomes EBITDA
         positive (assuming results are due to normal trending with no major
         out-of-period anomalies or one-time enhancements and adjusting for any
         unusual or one time charges). The strike price of this third grant will
         be the average of the fair market stock price during the month that the
         second market achieved positive EBITDA. The first third will vest upon
         the first month that the third market becomes EBITDA positive (assuming
         results are due to normal trending with no major out-of-period
         anomalies or one-time enhancements and adjusting for any unusual or one
         time charges). The second and final third will vest upon the first and
         second anniversary dates, respectively, of that third market becoming
         EBITDA positive.

9.       You will receive a five hundred thousand dollar value of restricted
         stock granted upon the first month that a third market becomes EBITDA
         positive (assuming results are due to normal trending with no major
         out-of-period anomalies or one-time enhancements and adjusting for any
         unusual or one time charges). The strike price of this fourth grant
         will be the average of the fair market stock price during the month
         that the third market achieved positive EBITDA. The first third will
         vest upon the first month that the fourth market becomes EBITDA
         positive (assuming results are due to normal trending with no major
         out-of-period anomalies or one-time enhancements and adjusting for any
         unusual or one time charges). The second and final third will vest upon
         the first and second anniversary dates, respectively, of that fourth
         market becoming EBITDA positive.

10.      You will receive a five hundred thousand dollar value of restricted
         stock granted upon the first month that a fourth market becomes EBITDA
         positive (assuming results are due to normal trending with no major
         out-of-period anomalies or one-time enhancements and adjusting for any
         unusual or one time charges). The strike price of this fifth grant will
         be the average of the fair market stock price during the month that the
         fourth market achieved positive EBITDA. The first third will vest upon
         the first month that the fifth market becomes EBITDA positive (assuming
         results are due to normal trending with no major out-of-period
         anomalies or one-time enhancements and adjusting for any unusual or one
         time charges). The second and final third will vest upon the first and
         second anniversary dates, respectively, of that fifth market becoming
         EBITDA positive.

11.      You will receive a five hundred thousand dollar value of restricted
         stock granted upon the first month that a fifth market becomes EBITDA
         positive (assuming results are due to normal trending with no major
         out-of-period anomalies or one-time enhancements and adjusting for any
         unusual or one time charges). The strike price of this sixth grant will
         be the average of the fair market stock price during the month that the
         fifth market achieved positive EBITDA. The first third will vest upon
         the first month that the sixth market becomes EBITDA positive (assuming
         results are due to normal trending with no major out-of-period
         anomalies or one-time enhancements and adjusting for any unusual or one
         time charges). The second and final third will vest upon the first and
         second anniversary dates, respectively, of that sixth market becoming
         EBITDA positive.

12.      You will receive a five hundred thousand dollar value of restricted
         stock granted upon the first month that a sixth market becomes EBITDA
         positive (assuming results are due to normal trending with no major
         out-of-period anomalies or one-time enhancements and adjusting for any
         unusual or one time charges). The strike price of this seventh grant
         will be the average of the fair market stock price during the month
         that the sixth market achieved positive EBITDA. The first
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         third will vest upon the first month that the seventh market becomes
         EBITDA positive (assuming results are due to normal trending with no
         major out-of-period anomalies or one-time enhancements and adjusting
         for any unusual or one time charges). The second and final third will
         vest upon the first and second anniversary dates, respectively, of that
         seventh market becoming EBITDA positive.

13.      A one-time bonus of $100,000.00 less applicable Federal, State and
         local taxes will be paid to you with your first paycheck. (Adjustment
         to this figure may need to occur based on your actual start date vs.
         your new hire start date for option pricing purposes). Should you
         voluntarily leave RCN's employ during the first 12 months after your
         date of hire, you will be obligated and agree to refund/reimburse such
         monies in a pro-rated amount to RCN within 14 days after your last date
         of service. (The prorated amount to be returned will be equal to
         $100,000 less $100,000 times, the number of days between the start date
         and your exit date, with the start and exit date both counted, divided
         by 365.)

14.      Benefits made available to the employees of RCN Corporation in
         accordance with the enclosed benefits summary. As a President, you are
         eligible for five (5) weeks' vacation on an annual basis.

15.      A relocation package to consist of the following should you decide to
         relocate to the Princeton, NJ area within the first 20 months of your
         employment:

         -        PHYSICAL MOVE OF PERSONAL BELONGINGS

         RCN will provide and pay for a moving company to pack and move all of
         your personal and household goods to the New Jersey area and pay for
         all costs related to moving. The moving company, which will be
         designated by RCN, will bill RCN directly. Storage of your goods for a
         period not to exceed ninety (90) days will also be paid by RCN. All
         expenses reimbursed under this item will be grossed up as appropriate,
         in order to compensate for tax withholding requirements.

         -        PURCHASE OF HOME IN PRINCETON AREA

         You will be reimbursed for the actual closing costs on a residence in
         the new area. Reimbursable closing costs will normally include the
         following: loan origination fee (limited to a maximum three points);
         appraisal fee; credit report; document preparation by the lender;
         notary fees; attorney's fees; title insurance; recording fees;
         city/county tax/stamps; state tax/stamps; certification, etc.
         Additionally, a bridge loan will be issued to assist with cash
         requirements in the purchase of your new home. All expenses reimbursed
         under this item will be grossed up as appropriate, in order to
         compensate for tax withholding requirements.

         -        TEMPORARY HOUSING THROUGH AUGUST OF 2002

         RCN will cover your temporary housing in the Princeton area for an
         amount not to exceed Four Thousand Dollars ($4,000.00) per month. All
         expenses reimbursed under this item will be grossed up as appropriate,
         in order to compensate for tax withholding requirements.

         -        MISCELLANEOUS EXPENSES

         Any travel during the time your primary residence is out-of-state, or
         any travel required for such relocation activities within reason, will
         be covered by RCN. Flights should be arranged
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         through commercial airlines, however, if extenuating circumstances
         (either personal or business) warrant economical and efficient use of
         your time, the Company airplane may be utilized. You will use your
         discretion on weekend travel and will arrange your schedule so that you
         are able to return home on Friday evenings in time to participate in
         family activities.

Please sign this offer letter and return it to Ellyn Ito, Director, Staffing,
Human Resources, no later than Monday, January 8, 2001. You may keep the other
copies for your reference.

I believe that you will find RCN an interesting, challenging, and rewarding
place to work. I am certain that we will benefit by having you as part of our
team.

Sincerely,

/s/:  David C. McCourt
-----------------------
David C. McCourt
Chief Executive Officer

Acknowledged and agreed this 8th day of January, 2001.

/s/: Jeff White
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Jeff White<PAGE>
                                                                   EXHIBIT 10(e)

                             SECURED PROMISSORY NOTE

$1,000,000.00                                                  Chicago, Illinois

                                                               December 20, 2001

FOR VALUE RECEIVED, the undersigned CITY NATIONAL BANCSHARES CORPORATION, a New
Jersey corporation ("Borrower"), hereby promises to pay to the order of National
Community Investment Fund, a trust ("NCIF"), the principal sum of One Million
and 00/100 Dollars ($1,000,000.00), plus interest on the unpaid principal
balance from time to time outstanding at the rate of Seven Percent (7%) per
annum, payable in Sixteen (16) installments of interest only, to the extent
accrued, on the first day of each January, April, July and October,
successively, from April 1, 2002 to January 1, 2007, inclusive, and Thirty-one
(31) installments of principal of $31,250.00 each, plus interest, to the extent
accrued, on the first day of each January, April, July and October,
successively, from April 1, 2007 to October 1, 2013, inclusive, and One (1)
installment of the entire principal balance outstanding and all accrued but
unpaid interest thereon on January 1, 2014.

Interest shall be calculated on a daily basis using a 360-day year and actual
days elapsed.

Payments of both principal and interest hereunder are to be made in lawful money
of the United States at the office of NCIF at 7054 South Jeffery Boulevard,
Chicago, Illinois 60649, or at such other place as the holder hereof may from
time to time designate in writing. Borrower may prepay part or all of the
principal balance hereof prior to maturity at any time and from time to time
without premium or penalty, provided Borrower has given the holder hereof
written notice of the amount and time of such prepayment at the then most
recently designated address for payments hereunder not less than fifteen (15)
days prior to such prepayment. All such prepayments in part shall be applied to
the installments hereunder in the reverse order of their maturity. All payments
hereunder, including without limitation all prepayments, shall be first applied
to accrued and unpaid interest and then to principal.

This Note has been executed pursuant to the terms of, and is the "Note" under, a
Loan Agreement dated the date hereof (the "Loan Agreement") between NCIF and
Borrower, and any holder hereof shall be entitled to the benefit of the Loan
Agreement. The obligation of Borrower to pay this Note in full when due is
secured by a Pledge Agreement dated the
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date hereof (the "Pledge Agreement") between NCIF and Borrower, and any holder
of this Note shall be entitled to the benefit of the Pledge Agreement.

Any of the following shall constitute an event of default hereunder ("Event of
Default"):

1.    Any failure by Borrower to pay in full any principal or interest under
      this Note when the same becomes due and payable and the continuation of
      such failure for ten (10) days.

2.    An Event of Default under the Loan Agreement or under the Pledge
      Agreement, as the term "Event of Default" is respectively defined therein.

Upon the occurrence of an Event of Default hereunder, the entire unpaid
principal balance hereunder outstanding and all interest accrued thereon shall,
at the election of the holder hereof, immediately become due and payable without
presentment, demand, protest or notice of any kind, all of which Borrower hereby
expressly waives.

Failure or forbearance by the holder of this Note upon the occurrence of any
Event of Default hereunder to avail itself fully or partially of any remedy
provided for herein or in the Loan Agreement or the Pledge Agreement or
otherwise shall not constitute a waiver thereof, but such remedy shall be
available continuously thereafter unless waived in writing by the holder of this
Note. Should it become necessary to collect this Note through an attorney or
otherwise, Borrower hereby agrees to pay all reasonable costs of collection of
this Note, including costs of litigation and reasonable attorneys' fees.

This Note has been made by the undersigned and delivered to NCIF in Chicago,
Illinois and the validity, construction and enforcement hereof shall be governed
in all respects by the internal laws (and not the conflict of laws provisions)
of Illinois.

                              CITY NATIONAL BANCSHARES CORPORATION

ATTEST                        By:
                                   -------------------------------------
                                   Its President
------------------
    Secretary

                                        2
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                      ASSIGNMENT SEPARATE FROM CERTIFICATE

FOR VALUE RECEIVED, the undersigned, City National Bancshares Corporation, a New
Jersey corporation, hereby sells, assigns and transfers to National Community
Investment Fund all of the undersigned's right, title and interest in and to
5,090 shares of Common Stock, $0.10 par value per share, of City National Bank
of New Jersey, a national association, standing in the name of the undersigned
and represented by certificate number ___________ dated _______________________;
and the undersigned hereby irrevocably constitutes and appoints
______________________________________________ Attorney to transfer said shares
on the books of said banking corporation with full power of substitution in the
premises.

                            Dated: December 20, 2001.

                              City National Bancshares Corporation

In the presence of            By:
                                   -------------------------------------
                                          Its President

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