Document:

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                                                                    EXHIBIT 10.5

                              EMPLOYMENT AGREEMENT

THIS EMPLOYMENT AGREEMENT (this "Agreement"), effective as of June 29, 1999 (the
"Effective Date"), is between MSI HOLDINGS, INC., a Utah corporation (the
"Company"), and ROBERT J. GIBBS ("Gibbs"). The Company and Gibbs are
collectively referred to in this Agreement as the "Parties."

                                   Background

The Company wishes to employ Gibbs as its President and Chief Executive Officer,
and the Parties desire to provide for the employment of Gibbs commencing on the
Effective Date in accordance with the terms of this Agreement.

                               Terms of Agreement

The Parties agree as follows:

1.   EMPLOYMENT. The Company hereby employs Gibbs to devote his personal
services to the business and affairs of the Company, and Gibbs hereby accepts
such employment, on the terms and conditions stated in this Agreement.

     1.1. Duties. Gibbs' title and position shall be President and Chief
     Executive Officer of the Company. Gibbs' duties will be those customarily
     performed by persons acting in that capacity and those that may be
     designated by the Board of Directors of the Company consistent with the
     titles and positions of President and Chief Executive Officer of the
     Company. Gibbs shall report directly to the Board of Directors of the
     Company. Gibbs shall also serve, upon request and without additional
     compensation, as a director of the Company or as an officer or a director,
     or both, of any subsidiary, division, or affiliate of the Company or any
     other entity in which the Company holds an equity interest or which it
     sponsors.

     1.2. Full-Time Employee. Gibbs shall devote his full time (except for
     reasonable vacation time and absence for any disability), attention, and
     best efforts to the performance of his duties described in Article 1.1.

2.   TERM. The term of Gibbs' employment under this Agreement (the "Term") shall
be as follows:

     2.1. Initial Term. The initial term shall commence on the date of this
     Agreement and shall expire at 11:59:59 p.m., Central Time, on the day
     preceding the second anniversary of the date of this Agreement, unless
     terminated earlier pursuant to Article 5.

     2.2. Extended Term. At or about the date that is six (6) months before the
     end of the two (2) year term described in Article 2.1, the Parties shall
     meet to determine whether

EMPLOYMENT AGREEMENT - ROBERT J. GIBBS      Page 1

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     Gibbs' employment under this Agreement shall be extended for an additional
     two (2)-year period. If the Parties are unable to agree on provisions for
     such an extension of the Term, then the Term shall expire in accordance
     with Article 2.1. If the Parties are able to agree on provisions for such
     an extension of the Term, the Term will not extend beyond 11:59:59 p.m.,
     Central Time, on the day preceding the fourth anniversary of the date of
     this Agreement.

3.   COMPENSATION. As compensation for the services rendered by Gibbs under this
Agreement, the Company shall, during the Term, pay or provide Gibbs during the
Term the following:

     3.1. Base Salary. The Company shall pay Gibbs during the Term an annual
     base salary equal to One Hundred Fifty Thousand Dollars ($150,000.00)
     during the first year of the Term and equal to Two Hundred Forty Thousand
     Dollars ($240,000.00) during the second year of the Term (beginning on the
     first anniversary of the Effective Date) and (if the Term is extended)
     during each subsequent year, unless the Parties otherwise agree. The annual
     amount of base salary in effect at the time (depending on the year of the
     Term) is referred to in this Agreement as "Base Salary." The Base Salary
     shall be paid in equal installments every two weeks, in arrears, at the
     Company's regular and routine payroll dates, or at such intervals as may
     otherwise be agreed upon by the Parties, and in accordance with any other
     payroll procedures of the Company. The Base Salary shall be prorated (on a
     daily basis) for any partial payroll period of employment under this
     Agreement.

     3.2. Annual Bonus Opportunity. During the Term, Gibbs shall be eligible to
     earn and receive from the Company an annual incentive bonus based upon
     satisfaction of the performance or financial goals stated below, or as
     otherwise described below, in this Article 3.2. During the first year of
     the Term, the bonus opportunity will be an amount equal to 1.5% of the net
     proceeds actually received by the Company resulting from any amount raised
     as equity in the Company with a maximum bonus of One Hundred Seventy
     Thousand Dollars ($170,000.00). The bonus payable to Gibbs for an Offering
     (if any) shall be paid by the Company within ten (10) business days after
     the Company's actual receipt of the net proceeds during the first year.
     Provided, however that Gibbs will not be entitled to a bonus as a result of
     proceeds received from the Company through the exercise of warrants or
     options to purchase securities of the Company outstanding as of the
     Effective Date. Gibbs shall also be eligible to earn during the first year
     of the Term an additional bonus of up to Fifty Thousand Dollars
     ($50,000.00) at the discretion of the Board of Directors of the Company
     (the "Board"); the Board's evaluation based upon Gibbs' best efforts to
     effectuate a public secondary equity offering. During the second year of
     the Term, the bonus opportunity will be equal to a percentage of Base
     Salary, where the percentage is equal to the result (expressed as a
     percentage) of the excess, if any, of the dollar amount of the average
     daily total market capitalization of outstanding shares of Common and
     Preferred Stock during the last thirty (30) trading days in the second year
     of the Term minus Five Hundred Million Dollars ($500,000,000)(the "Base
     Capitalization"), divided by the Base Capitalization. Such bonus would be
     payable to

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     Gibbs within thirty (30) days after the end of the second year of the Term.
     Unless otherwise determined by the Compensation Committee of the Board, no
     annual incentive bonus shall be payable to Gibbs unless he is employed by
     the Company under this Agreement on the last day of the bonus period (or if
     the bonus is based on an Offering, on the date on which the Company
     receives the net proceeds of that Offering) except that if the Company
     terminates Gibbs' employment without cause, the bonus for the second year
     of the Term shall be determined on a pro rata basis for that amount of time
     Gibbs was employed during the second year of employment, the same to be
     paid to Gibbs within thirty (30) days after the end of the second year. In
     the event Gibbs is terminated without cause during the second year, the
     thirty (30) trading days immediately prior to the date of termination will
     be used to determine the pro-rata bonus paid.

     3.3. Stock Option. Gibbs shall be eligible to participate in any stock
     option, performance share, phantom stock, or similar long-term stock-based
     incentive plan adopted by the Company for its employees in effect during
     the Term, including the Company's 1998 Incentive Stock Option Plan (the
     "Option Plan"). Except as described in the next sentence, the extent to
     which Gibbs shall participate in any such plan will be determined by the
     Board or the Compensation Committee of the Board. On or as of the Effective
     Date, Gibbs shall receive a non-qualified stock option granting Gibbs the
     right to purchase up to One Million Three Hundred Sixty-Two Thousand Nine
     Hundred Fifty (1,362,950) shares of Common Stock in accordance with the
     Option Plan and the Stock Option Agreement attached hereto as Exhibit "A".

     3.4. Savings and Retirement Plans. Gibbs shall be eligible to participate
     in any long-term bonus, savings, deferred compensation, retirement or
     pension, or death benefit plan adopted by the Company for its employees
     generally in effect during the Term.

     3.5. Welfare Benefit Plans. Gibbs shall be eligible to participate in any
     life insurance, medical, dental, and hospitalization insurance, disability
     insurance benefit, or other similar employee welfare benefit plan or
     program adopted by the Company covering its employees generally in effect
     during the Term.

     3.6. Vacation. Gibbs shall be entitled to fifteen (15) days of paid
     vacation per fiscal year. Such vacation time shall, however, be prorated in
     any fiscal year during which Gibbs is employed under this Agreement for
     less than the entire fiscal year, in accordance with the number of days in
     that fiscal year during which Gibbs is so employed. Such vacation time
     shall be in addition to any paid time off ("PTO") to which Gibbs may be
     entitled under the Company's PTO policy in effect during the Term.

     3.7. Transportation Allowance. During the Term, the Company shall pay Gibbs
     a transportation allowance equal to Eight Hundred Dollars ($800.00) per
     month ("Transportation Allowance"). The Transportation Allowance shall be
     payable in equal installments together with the payments of Base Salary.

EMPLOYMENT AGREEMENT - ROBERT J. GIBBS      Page 3

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     3.8. Loan. On the Effective Date, the Company shall make a personal loan to
     Gibbs in the amount of One Hundred Thousand Dollars ($100,000.00)(the
     "Loan"). The Loan shall bear interest at the prime rate as stated in the
     "Money Rates" section (or any successor section) of The Wall Street Journal
     on the date of the Loan. Gibbs' obligation to repay the Loan, with
     interest, shall be in accordance with and evidenced by a promissory note in
     favor of the Company in the form of Exhibit "B" to this Agreement (the
     "Note").

     3.9. Tax Withholding. The Company may deduct from any compensation or other
     amount payable to Gibbs under this Agreement (including under Article 5)
     social security (FICA) taxes and all federal, state, municipal, and other
     taxes or governmental charges as may, in the Company's judgment, be
     required. The Company will consult with Gibbs as to amounts to be withheld
     in this regard.

     3.10. Participation in Compensation and Benefit Plans. Gibbs' participation
     during the Term in any or all of the plans or programs adopted by the
     Company described in Articles 3.4 through 3.6 ("Compensation and Benefit
     Plans") will be subject to the terms and conditions of those Compensation
     and Benefit Plans as they now exist or may hereafter be adopted, amended,
     restated, or discontinued by the Company, including the satisfaction of all
     applicable eligibility requirements and vesting provisions of those
     Compensation and Benefit Plans. The Company shall have no obligation under
     this Agreement to continue any or all of the Compensation and Benefit Plans
     that now exist or are hereafter adopted. To the extent that Gibbs is
     eligible to participate in any Compensation and Benefit Plan existing on
     the date of this Agreement for which a plan description or plan materials
     are available, the Company has provided to Gibbs.

4.   EXPENSE REIMBURSEMENT. During the Term, Gibbs may incur, and shall be
reimbursed by the Company for, reasonable, ordinary and necessary, and
documented business expenses to the extent that Gibbs complies with, and
reimbursement is permitted by, the Company's policies, practices, and
procedures.

5.   EMPLOYMENT TERMINATION. Either Party may terminate Gibbs' employment under
this Agreement by giving written notice of termination to the other Party. If
the Company is terminating, it shall include in that notice a statement whether
the termination is because of Disability or for Cause or without Cause. The
Parties' respective rights and obligations upon the termination of Gibbs'
employment under this Agreement are as follows:

     5.1. Termination Generally. Upon any termination of Gibbs' employment under
     this Agreement, the Company shall pay or provide Gibbs the following:

               5.1.a. Any amount of Base Salary and Transportation Allowance
          earned by, but not yet paid to, Gibbs through the effective date of
          termination of employment, as further described below (the
          "Termination Date");

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               5.1.b. All benefits that have been earned by or vested in, and
          are payable to, Gibbs under, and subject to the terms (including all
          eligibility requirements) of, the Compensation and Benefit Plans in
          which Gibbs participated through the Termination Date;

               5.1.c. All reimbursable expenses due, but not yet paid, to Gibbs
          as of the Termination Date under Article 4; and

               5.1.d. An amount equal to all accrued and unused PTO, calculated
          in accordance with the Company's PTO policies, practices, and
          procedures (including authorized deductions and the deductions
          required by law), through the Termination Date.

     The amount of Base Salary and Transportation Allowance due under Section
     5.1.a shall be paid no later than thirty (30) business days after the
     Termination Date; the amounts or benefits due under Section 5.1.b shall be
     paid or provided in accordance with the terms of the Compensation and
     Benefit Plans under which such amounts or benefits are due to Gibbs; and
     the amounts due under Sections 5.1.c and 5.1.d shall be paid in accordance
     with the terms of the Company's policies, practices, and procedures
     regarding reimbursable expenses and PTO, respectively. Except as expressly
     provided below in this Article 5, upon paying or providing Gibbs the
     preceding amounts or benefits, the Company shall have no further obligation
     or liability under this Agreement for Base Salary or any other cash
     compensation or for any benefits under any of the Compensation and Benefit
     Plans. Upon termination of Gibbs' employment, Gibbs shall be deemed to have
     resigned from any position as a director of the Company or as an officer or
     director, or both, of any subsidiary, division, or affiliate of the Company
     or any other entity in which the Company holds an equity interest or which
     it sponsors that Gibbs then holds; no written resignation need be given or
     delivered to the Company.

     In this Agreement, the Termination Date shall be (i) the date of Gibbs'
     death, (ii) the third business day after the date on which the Company
     gives notice of termination because of Disability, or (iii) the date of
     termination specified in any other notice of termination, or if not
     specified in the notice of termination, the date that notice of termination
     is given.

     In this Agreement, "Disability" means Gibbs' permanent and total
     disability, which shall be deemed to exist if he is unable reasonably to
     perform his duties under this Agreement because of any medically
     determinable physical or mental impairment which can be expected to result
     in death or which has lasted or can be expected to last for at least ninety
     (90) consecutive days. Any Disability shall be determined by the Board or
     an authorized committee or representative thereof ("Representative"), in
     its sole and absolute discretion, upon receipt of competent medical advice
     from a qualified physician selected by or acceptable to the Board or its
     Representative. Gibbs shall, if there is any question about his Disability,
     submit to a physical examination by a qualified physician selected by the
     Board or its Representative.

EMPLOYMENT AGREEMENT - ROBERT J. GIBBS      Page 5

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     In this Agreement, "Cause" means any of the following: (i) Gibbs' failure
     to substantially perform his duties under this Agreement, other than any
     such failure resulting from his incapacity due to physical or mental
     illness or Disability; (ii) Gibbs' engaging in any action which, or
     omitting to engage in any action the omission of which, has been, is, or is
     reasonably expected to be substantially injurious (monetarily or otherwise)
     to the Company or its business or reputation; (iii) Gibbs' performance of
     any act or omission constituting dishonesty that results, directly or
     indirectly, in significant gain or enrichment of Gibbs or his family or
     affiliates at the expense of the Company; or (iv) any breach by Gibbs of
     any obligation under any of Articles 6, 7, 8, and 9. Whether an event or
     circumstance constituting Cause exists will be determined in good faith by
     the Board or its Representative. If the Company believes that Cause for
     termination exists under clause (i) above in this paragraph, the Company
     shall notify Gibbs of that belief, and that notice shall describe the event
     or circumstance believed to constitute Cause for termination. If that event
     or circumstance may reasonably be remedied or corrected, Gibbs shall have
     thirty (30) days to effect that correction or remedy. If not corrected or
     remedied within that thirty (30) day period, Cause for termination shall
     immediately be deemed to exist, and Gibbs' employment shall be deemed
     terminated. If the Company believes that Cause for termination exists under
     any of clauses (ii), (iii), and (iv) above in this paragraph, the Company
     shall notify Gibbs of that belief, and that notice shall constitute
     immediate termination of Gibbs' employment.

     Gibbs may voluntarily terminate his employment under this Agreement only by
     giving at least thirty (30) days' prior written notice to the Company.
     Gibbs shall not be liable to the Company for breach of this Agreement
     because of his termination of employment in accordance with the preceding
     sentence.

     5.2. Termination Without Cause or Upon Death or Disability. If Gibbs'
     employment is terminated by death or by the Company because of Disability
     or without Cause, Gibbs (or his legal representative, estate, or heirs)
     shall be entitled to receive from the Company (except if waived by Gibbs in
     accordance with Article 7), as liquidated damages:

          5.2.a. The payment of a total Two Hundred Forty Thousand Dollars
          ($240,000.00), in twenty-four (24) equal installments, and
          Transportation Allowance for twelve (12) consecutive months following
          the Termination Date, except that if any such termination described
          above in this Article 5.2 occurs during the first ninety (90) days of
          his employment under this Agreement (the "Probationary Period"), those
          payments shall be only until the day preceding the first anniversary
          of the date of this Agreement (such payments, regardless of time, the
          "Severance Payments"); and

          5.2.b. if Gibbs elects and maintains continued coverage under the
          Consolidated Omnibus Benefits Reconciliation Act of 1985 and
          corresponding regulations ("COBRA"), then for up to the twelve (12)
          consecutive months immediately after the Termination Date (or if the
          termination is during the Probationary Period, for as long as the day
          preceding the first anniversary of the date of this Agreement),

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          payments in an amount equal to the difference between (i) the premiums
          paid or payable by Gibbs for coverage under COBRA for himself and his
          dependents (if any) and (ii) the premiums that he would have paid for
          comparable coverage under the Company's then current group insurance
          plan or plans if his employment under this Agreement had not ceased
          (the "Insurance Payments"); except that the Insurance Payments shall
          expire or terminate immediately upon Gibbs' becoming eligible for
          coverage under another employer's plan or policy.

     In addition, if the termination described above is effective before the
     Loan must be repaid in accordance with the Note, then (unless waived by
     Gibbs in accordance with Article 7) the Company shall forgive the
     indebtedness evidenced by the Note and shall mark the Note paid and deliver
     it to Gibbs (or his legal representative, estate, or heirs). The Severance
     Payments (if not waived) shall be paid at the dates on which Base Salary
     would have been payable if his employment under this Agreement had not been
     terminated. The Company will commence the Severance Payments and the
     Insurance Payments (if not waived) within ten (10) business days after the
     first business day on which the release executed and delivered in
     accordance with Section 5.3.a becomes irrevocable by Gibbs (or his legal
     representative, estate, or heirs). The Company's obligations for the
     Insurance Payments are not intended to negate or impair any obligation of
     the Company or right of Gibbs under COBRA. The Severance Payments and the
     Insurance Payments, and (if applicable) the forgiveness of the indebtedness
     evidenced by the Note, shall be in addition to the amounts or benefits to
     which Gibbs is entitled under Article 5.1. Any Severance Payments or
     Insurance Payments (or both) under this Article 5.2 shall not be deemed the
     continuation of Gibbs' employment for any purpose.

     5.3. Conditions to Severance Benefits. Except as provided in Section 5.2.b
     and below in this Article 5.3, none of the Severance Payments and the
     Insurance Payments under Article 5.2 will be subject to reduction as the
     result of future compensation earned or received by Gibbs (including by
     self-employment), and Gibbs shall have no duty to mitigate his damages. The
     Severance Payments and the Insurance Payments, and (if applicable) the
     forgiveness of the indebtedness evidenced by the Note, shall, however, be
     conditioned upon:

                    5.3.a. The Company's receipt of a Settlement Agreement,
               General Release, and Covenant Not to Sue executed and performed
               by Gibbs (or his legal representative, estate, or heirs) in
               substantially the form of Exhibit "C" to this Agreement (the
               "Release Agreement"); and

                    5.3.b. the compliance by Gibbs (or his legal representative,
               estate, or heirs) with Articles 6, 7, 8, and 9 after the
               Termination Date as specified in those Articles, as well as with
               the Release Agreement.

     The Company may cease or reduce the Severance Payments or the Insurance
     Payments (or both), and (if the indebtedness evidenced by the Note has been
     forgiven) may reinstate the indebtedness evidenced by the Note with the
     same effect as if it had not been forgiven,

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     if, and shall be entitled to payment under the Note to the extent that,
     there is or has been any material violation by Gibbs (or his legal
     representatives, estate, or heirs) of any of Articles 6, 7, 8, and 9 or of
     the Release Agreement. Upon such event, Gibbs shall be released from any
     obligations pursuant to Article 7.

     5.4. Termination for Cause or by Gibbs. If Gibbs' employment is terminated
     by the Company for Cause or is voluntarily terminated by Gibbs, then Gibbs
     shall not be entitled to any payments under this Agreement other than the
     amounts or benefits to which he is entitled under Article 5.1, except that
     if Gibbs voluntarily terminates during the Probationary Period, the Company
     shall also forgive the indebtedness evidenced by the Note and shall mark
     the Note paid and deliver it to Gibbs.

     5.5 Failure to Extend Beyond Two Years. If the Parties cannot agree on
     provisions for an extension of the Term beyond the two (2)-year period
     mentioned in Article 2.1, then Gibbs shall continue to perform under this
     Agreement until the expiration of the Term and shall then be entitled to
     continued payment of the Base Salary then in effect for an additional six
     (6) months after the expiration date. The obligation of the Company to make
     such payments under this Article 5.5 shall be subject to the same
     conditions, and shall have the same effect, as Severance Payments under
     this Agreement.

     5.6. Post-Termination Survival. The provisions of this Article 5 shall
     survive the termination of Gibbs' employment by the Company and its
     subsidiaries to the extent necessary to effect the post-termination
     payments or benefits to which Gibbs is entitled under the terms of this
     Article 5.

6.   CONFIDENTIAL INFORMATION. The Company shall provide to Gibbs, during the
Term, access to various trade secrets, confidential information, and proprietary
information of the Company (which, in this Article 6 as well as in Articles 7,
8, and 9, shall include the Company's subsidiaries and affiliates) which are
valuable and unique to the Company ("Confidential Information"). Confidential
Information includes the Company's plans, policies, and procedures relating to
its BBN Certification as well as the terms of, and the Company's plans,
policies, and procedures relating to, the Company's relationships with GTE,
Southwestern Bell Telephone Company, Siemens-Nixdorf Information Systems, Inc.,
and other persons having relationships that are material to the Company's
business and affairs. Gibbs shall not, either while in the employ of the Company
or at any time thereafter, (i) use any of the Confidential Information, or (ii)
disclose any of the Confidential Information to any person not an employee of
the Company or not engaged to render services to the Company, except (in either
case) to perform his duties under this Agreement or otherwise with the Company's
prior written consent. Nothing in this Article 6 shall preclude Gibbs from the
use or disclosure of information generally known to the public or not considered
confidential by the

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Company or from any disclosure to the extent required by law or court order
(though Gibbs must give the Company prior notice of any such required disclosure
and must cooperate with any reasonable requests of the Company to obtain a
protective order regarding, or to narrow the scope of, the Confidential
Information required to be disclosed). All files, records, documents,
information, data, and similar items relating to the business or affairs of the
Company, whether prepared by Gibbs or otherwise coming into his possession,
shall remain the exclusive property of the Company and shall not be removed from
the premises from the Company, except in the ordinary course of business as part
of Gibbs' performance of his duties under this Agreement, and (in any event)
shall be promptly returned or delivered to the Company (without Gibbs' retaining
any copies) upon the termination of employment under this Agreement.

7.   NONCOMPETITION. Gibbs acknowledges that, in addition to his access to and
possession of Confidential Information, during the Term he will acquire valuable
experience and special training regarding the Company's business and that the
knowledge, experience, and training he will acquire would enable him to injure
the Company if he were to engage in any business that is competitive with the
business of the Company. Therefore, Gibbs shall not, at any time during the Term
and for the twelve (12) consecutive months immediately after the Termination
Date, directly or indirectly (as an employee, employer, consultant, agent,
principal, partner, shareholder, officer, director, or manager or in any other
individual or representative capacity), engage, invest, or participate in any
business in direct competition with the business of the Company within a fifty
(50)-mile radius of each location, or set or group of locations, (i) at, from,
or to which the Company conducts or has conducted business or renders, provides,
or delivers, or has rendered, provided, or delivered, services or products
during the Measurement Period (as defined below) or (ii) that is or has been,
during the Measurement Period, the subject of a Proposal (as defined below) to
conduct business or render, provide, or deliver services or products thereat,
therefrom, or thereto. "Measurement Period" means, with respect to Gibbs'
activity (A) at any time during the Term, the Term and (B) at any time on or
after the Termination Date, the six (6) consecutive months preceding, and
including, the Termination Date. "Proposal" means a written or formal proposal,
bid, arrangement, understanding, or agreement by the Company to or with another
person that reflects or contains negotiated or substantive terms, but does not
include any marketing contact by the Company where the other person has not
solicited that contact or indicated any interest in doing business with the
Company. (Gibbs shall not be prohibited, however, from owning, as a passive
investor, less than five percent (5%) of the publicly traded stock or other
securities of any entity engaged in a business competitive with that of the
Company.) Gibbs represents and agrees that (x) the Company has agreed to provide
him, and he will receive from the Company, special experience and knowledge,
including Confidential Information, (y) because the Confidential Information is
valuable to the Company, its protection (particularly from any competitive
business) constitutes a legitimate interest to be protected by the Company by
enforcement of the restriction in this Article 7, and (z) the enforcement of the
restriction in this Article 7 would not be unduly burdensome to Gibbs and that,
in order to induce the Company to enter into this Agreement (which contains
various benefits to Gibbs and obligations of the Company with respect to Gibbs'
employment), Gibbs is willing and able to engage, invest, or participate in
business after the Termination Date so as not to violate this Article 7. The
Parties agree that the restrictions in this Article 7 regarding scope of
activity, duration, and geographic area are reasonable; however, if any court
should determine that any of

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those restrictions is unenforceable, that restriction shall not thereby be
terminated, but shall be deemed amended to the extent required to render it
enforceable. The post-Termination Date restrictions in this Article 7 will not
apply, however, if Gibbs' employment is terminated by the Company without Cause
under Article 5.2. Except further, that in the event Gibbs' employment is
terminated by the Company without cause, Gibbs shall not be bound to the
restrictions stated within this Article if he waives all right to the remaining
severance benefits provided within this Agreement, and he repays the amount of
money equivalent to the loan forgiveness (including interest up to the date of
termination).

8.   NONSOLICITATION. Gibbs shall not, at any time within the twelve (12)
consecutive months immediately after the Termination Date, either directly or
indirectly:

                    8.1. Disclose Contact Information. Make known to any person
               the names and addresses, or other contact information, of any of
               the customers, suppliers, or other persons having significant
               business relationships with the Company within the information
               technology industry, so that such person could affect, or attempt
               to affect, any of those relationships to the detriment of the
               Company; or

                    8.2. Solicit Employees. Solicit, recruit, or hire, or
               attempt to solicit, recruit, or hire, any employee or consultant
               of the Company, or in any other manner attempt to induce any
               employee or consultant of the Company to leave the employ of the
               Company or cease his or her consulting or similar business
               relationship with the Company. References in this Article 8.2 to
               "any employee or consultant" shall include any person who was an
               employee or consultant of the Company at any time within the six
               (6) consecutive months preceding, and including, the Termination
               Date.

9.   DEVELOPMENTS. Gibbs shall promptly disclose to the Company all inventions,
discoveries, improvements, processes, formulas, ideas, know-how, methods,
research, compositions, and other developments, whether or not patentable or
copyrightable, that Gibbs, by himself or in conjunction with any other person,
conceives, makes, develops, or acquires during the Term which (i) are or relate
to the properties, assets, or existing or contemplated business or research
activities of the Company, (ii) are suggested by, arise out of, or result from,
directly or indirectly, Gibbs' association with the Company, or (iii) arise out
of or result from, directly or indirectly, the use of the Company's time, labor,
materials, facilities, or other resources ("Developments").

Gibbs hereby assigns, transfers, and conveys to the Company, and hereby agrees
to assign, transfer, and convey to the Company during or after the Term, all of
his right and title to and interest in all Developments. Gibbs shall, from time
to time upon the request of the Company during or after the Term, execute and
deliver any and all instruments and documents and take any and all other actions
which, in the judgment of the Company or its counsel, are or may be necessary or
desirable to document any such assignment, transfer, and conveyance to the
Company or to enable the Company to file and process applications for, and to
acquire, maintain, and enforce, any and all patents, trademarks, registrations,
or copyrights with respect to any of

EMPLOYMENT AGREEMENT - ROBERT J. GIBBS      Page 10

<PAGE>   11

the Developments, or to obtain any extension, validation, re-issue, continuance,
or renewal of any such patent, trademark, registration, or copyright. The
Company will be responsible for the preparation of any such instrument or
document and for the implementation of any such proceedings and will reimburse
Gibbs for all reasonable expenses incurred by him in complying with this Article
9.

10.  INDEMNIFICATION. To the extent Gibbs is an officer or director of the
Company, the Company shall include Gibbs under any existing or future (i)
directors' and officers' liability insurance policy that the Company obtains and
maintains or (ii) indemnification agreements between the Company and other
executives of the Company. Subject to the foregoing sentence, the Company will
indemnify Gibbs to the fullest extent permitted by the laws of the Company's
state of incorporation in effect at that time or by the articles or certificate
of incorporation and by-laws of the Company, whichever affords the greater
protection to Gibbs.

11.  CERTAIN REMEDIES. Any breach or violation by Gibbs of any of Articles 6, 7,
8, and 9 shall entitle the Company, as a matter of right, to an injunction
issued by any court of competent jurisdiction, restraining any further or
continued breach or violation, or to specific performance requiring the
compliance with Gibbs' covenants. This right to an injunction or other equitable
relief shall be in addition to, and not in lieu of, any other remedies to which
the Company may be entitled. The existence of any claim or cause of action of
Gibbs against the Company, or any subsidiary or affiliate of the Company,
whether based on this Agreement or otherwise, shall not constitute a defense to
the enforcement by the Company of Gibbs' covenants in any of Articles 6, 7, 8,
and 9. The covenants in Articles 6, 7, 8, and 9 and in this Article 11 shall
survive the termination of Gibbs' employment under this Agreement.

12.  BINDING AGREEMENT; SUCCESSORS AND ASSIGNS. This Agreement shall be binding
upon, and shall inure to the benefit of, the Company and Gibbs and their
respective legal representatives, heirs, executors, administrators, and
successors and assigns (as permitted by this Article 12), including any
successor to the Company by merger, consolidation, or reorganization and any
other person that acquires all or substantially all of the business and assets
of the Company. The Company shall have the right, without the need for any
consent from Gibbs, to assign its rights, benefits, remedies, and obligations
under this Agreement to one or more other persons. The rights, benefits,
remedies, and obligations of Gibbs under this Agreement are personal to Gibbs,
however, and may not be assigned or delegated by him; except that this shall not
preclude (i) Gibbs from designating one or more beneficiaries to receive any
amount or benefit that may be paid or provided after Gibbs' death or (ii) the
legal representative of Gibbs' estate from assigning any right or benefit under
this Agreement to the person or persons entitled thereto under Gibbs' will or
the laws of intestacy applicable to Gibbs' estate, as the case may be.

13.  SEVERABILITY. If any provision of this Agreement is found to be invalid or
unenforceable for any reason, then (i) that provision shall be severed from this
Agreement, (ii) this Agreement shall be construed and enforced as if that
invalid or unenforceable provision never constituted a part of this Agreement,
and (iii) the remaining provisions of this Agreement shall be unaffected thereby
and shall remain in full force and effect to the fullest extent permitted by
applicable law. Further, in lieu of that invalid or unenforceable provision,
there shall be added to

EMPLOYMENT AGREEMENT - ROBERT J. GIBBS      Page 11

<PAGE>   12

this Agreement a provision as similar in its terms to that invalid or
unenforceable provision as may be possible and be valid and enforceable.

14.  NOTICES. Any notice, request, or other communication to be given by either
Party under this Agreement by to the other shall be in writing and either (i)
delivered in person, (ii) delivered by prepaid same-day or overnight courier
service, (iii) sent by certified mail, postage prepaid with return receipt
requested, or (iv) transmitted by facsimile, in any case addressed to the other
Party as follows:

                  To the Company:           MSI Holdings, Inc.
                                            501 Waller Street
                                            Austin, Texas 78702
                                            Facsimile:   (512) 473-2371
                                            Attention: Chairman of the Board

                  with a copy (which shall not constitute notice) to:

                                            Gardere & Wynne, L.L.P.
                                            3000 Thanksgiving Tower
                                            1601 Elm Street
                                            Dallas, Texas 75201-4761
                                            Facsimile: (214) 999-4667
                                            Attention:  I. Bobby Majumder, Esq.

                                            To Gibbs:       Robert J. Gibbs

                                            -----------------------

                                            -----------------------

                                            -----------------------

or to such other address or facsimile number as the Party to be notified may
have designated by notice previously given in accordance with this Article 14.
Communications delivered in person or by courier service or transmitted by
facsimile shall be deemed given and received as of actual receipt (or refusal)
by the addressee. Communications mailed as described above in this Article 14
shall be deemed given and received three (3) business days after mailing or upon
actual receipt, whichever is earlier.

15.  CERTAIN DEFINED TERMS. In this Agreement, (i) "person" means an individual
or any corporation, partnership, trust, unincorporated association, limited
liability company, or other legal entity, whether acting in an individual,
fiduciary, or other capacity, and any government, court, or governmental agency,
(ii) "include" and "including" do not signify any limitation, (iii) "Article"
and "Section" means any Article and any Section, respectively, of this
Agreement, unless otherwise indicated, (iv) an "affiliate" of a person means any
other person controlling, controlled by, or under common control with that
person, and (v) "business day" means any Monday through Friday, other than any
such weekday on which the executive offices of the

EMPLOYMENT AGREEMENT - ROBERT J. GIBBS      Page 12

<PAGE>   13

Company are closed. In addition, the use in this Agreement of "year," "annual,"
"month," or "monthly" (or similar terms) to indicate a measurement period shall
not itself be deemed to grant rights to Gibbs for employment or compensation for
that period.

16.  ENTIRE AGREEMENT. This Agreement, with Exhibits "A", "B" and "C",
constitutes the entire agreement between the Company and Gibbs with respect to
the subject matter hereof and supersedes any prior agreement between the Company
and Gibbs with respect to the same subject matter.

17.  MODIFICATION AND WAIVER. No amendment to or modification of this Agreement,
or waiver of any term, provision, or condition of this Agreement, will be
binding upon a Party unless the amendment, modification, or waiver is in writing
and signed by the Party to be bound. Any waiver by a Party of a breach or
violation of any provision of this Agreement by the other Party shall not be
deemed a waiver of any other provision or of any subsequent breach or violation.

18.  GENDER. Whenever the context requires in this Agreement, words denoting
gender in this Agreement include the masculine, feminine, and neuter.

19.  GOVERNING LAW; VENUE. This Agreement, and the rights, remedies,
obligations, and duties of the Parties under this Agreement, shall be governed
by, construed in accordance with, and enforced under the laws of the State of
Texas. The exclusive venue of any action or proceeding relating to this
Agreement or its subject matter shall be in Travis County, Texas.

20.  COUNTERPARTS. This Agreement may be executed in counterparts, each of which
constitutes an original, but all of which constitute one and the same document.

EMPLOYMENT AGREEMENT - ROBERT J. GIBBS      Page 13
<PAGE>   14

The Parties have executed this Agreement to be effective as of the date stated
in the first paragraph.

                                          THE COMPANY:

                                          MSI HOLDINGS, INC.,
         a Utah corporation

                                          By:
                                             ----------------------------------

                                             ----------------------

EMPLOYMENT AGREEMENT - ROBERT J. GIBBS      Page 14

<PAGE>   15

                                   EXHIBIT "A"

                             Stock Option Agreement

<PAGE>   16

                                   EXHIBIT "B"

                                 Promissory Note

<PAGE>   17

                                   EXHIBIT "C"

         Settlement Agreement, General Release, and Covenant Not to Sue<PAGE>   1
                                                                    EXHIBIT 10.6

                        [GTE INTERNETWORKING LETTERHEAD]

                        SERVICE QUOTATION AND ORDER FORM
--------------------------------------------------------------------------------
TO: MICRO-MEDIA SOLUTIONS INC.                 Quote Date:     02/02/2000

    Attn: Cliff Luckey                         Quote Valid To: 03/03/2000
    501 Waller St.
    Austin, TX 78702                           Quote Number:   197451

    Customer Reference #: 8797

    This pricing is based on purchasing 3 Full OC-3's at a time to a total of 13
    over the course of the next 12 months

SERVICES OFFERED:  INTERNET ADVANTAGE 7.1   Based on the Purchase of 3 circuits
                                            at a

  Service Period: 3 Years

The Service Period shall commence upon GTE Internetworking's provisioning of the
Service listed on this Service Quotation and Order Form ("Quotation").

PRODUCT DESCRIPTION AND

<TABLE>
<CAPTION>
LINE ITEMS WITH ONE-TIME FEES                     PRICE          DISCOUNTED      DISCOUNT PRICE     ONE-TIME PRICE
-----------------------------                --------------      ----------      --------------     --------------
<S>                                          <C>                 <C>             <C>                <C>
BGP4 Routing Setup                           $     1,000.00        100 %         $         0.00     $        0.00
Activation, OC3                              $     6,000.00        100 %         $         0.00     $        0.00
Leased Circuit Installation Fee              $     2,500.00                                         $    2,500.00
                                             --------------                                         -------------
                                                                           Total One-Time Charges:  $    2,500.00
</TABLE>

<TABLE>
<CAPTION>
                                                                                    MONTHLY
LINE ITEMS WITH MONTHLY RECURRING FEES       MONTHLY PRICE       DISCOUNTED      DISCOUNT PRICE     ANNUAL PRICE
                                             --------------      ----------      --------------     -------------
<S>                                          <C>                 <C>             <C>               <C>
Frac OC3 Bronze Service Fee, 155Mbps         $   170,500.00         50 %         $    85,250.00     $1,023,000.00
Leased Circuit Monthly Recurring             $     2,000.00                                         $   24,000.00

                                             --------------                                         -------------
                    Total Monthly Charges:   $    87,250.00                  Total Annual Charges:  $1,047,000.00
</TABLE>

<PAGE>   2

     GTE Internetworking Service Quotation 197451 for Micro-Media Solutions Inc.
--------------------------------------------------------------------------------

TO INITIATE THIS CONTRACT

1.   Read the Service Descriptions and the Agreements presented by your Sales
     Representative.

2.   Initial the Agreements section indicating that you have received and read
     the indicated documents and that you agree that these documents are
     incorporated herein by reference.

3.   If you have previously agreed to applicable agreement(s) for the Service(s)
     being ordered under this Service Quotation and Order Form it will be
     indicated as "On File" below and your initials are not required. You agree
     that the Services quoted herein shall be provided pursuant to these terms
     and conditions.

     AGREEMENTS                                         INITIALS

     On File Master Agreement                           On File

     Service Schedules

     Internet Advantage 7.1 Service Sched v.12.99
                                                     ---------------

     Copies of documents previously agreed upon by you and indicated as "On
     File" above may be obtained from your Sales Representative.

TERMS
-----
Quotation       This Quotation will expire on the "Valid To" date noted above.

Payment         Terms: Payment is due no later than thirty (30) days after the
                date of the GTE Internetworking invoice. GTE Internetworking
                may, in its sole discretion, require alternative payment terms
                (i.e., advance payment or letter of credit) if GTE
                Internetworking determines your credit standing does not meet
                the criteria set forth in GTE Internetworking's Customer Credit
                Policy.

Telco Charges:  Any telco-related fees are estimates only. Whether or not
                complete activation of Services has occurred, in all cases you
                will be responsible for actual incurred telco charges.

The terms and conditions of this Quotation, as well as all documents
incorporated by reference as set forth above, constitute the complete and
exclusive statement of the agreement between GTE Internetworking and you with
respect to the purchase of the Service(s) noted, and supercedes all previous
representations, understandings, or agreements pertaining to the Service(s), and
shall prevail over any conflicting provisions of any purchase order or any other
instrument issued by you, it being understood that any purchase order issued by
you shall be for your convenience only.

Modifications to the terms and conditions contained in this Agreement including
any documents incorporated by reference are not permitted and shall not be
valid, unless specifically agreed to in writing by an authorized GTE
Internetworking contracts representative. Our commencement of any Services to
you as described in this Quotation shall constitute GTE Internetworking's
acceptance of this Quotation. By signing below, you are authorizing GTE
Internetworking to provision and commence the Services as listed above pursuant
to the above fees and terms and conditions and you agree that you are
responsible for payment whether or not you have issued a purchase order to GTE
Internetworking. You acknowledge that you have reviewed the terms and conditions
of all documents that are part of this Agreement and agree to be legally bound
by same.

<PAGE>   3

     GTE Internetworking Service Quotation 197451 for Micro-Media Solutions Inc.
--------------------------------------------------------------------------------

4.   Complete and sign the section below.

      --------------------------------------------------------------------
      ACCEPTED AND AGREED BY:

      Company Name (Type or Print Full Legal Name):
                                                   -----------------------
      Signature:                               Date:
                -----------------------------       ----------------------
      Print Name:                              Title:
                 ----------------------------        ---------------------

      --------------------------------------------------------------------

5.   If there is a purchase order associated with this order, please indicate
     the purchase order number and submit it to your GTE Internetworking Sales
     Representative.

     Purchase Order
                    ------------------------------------

6.   Please submit a signed copy of this document to Gregg Smith at (214)
     800-5848.

   Should you have any questions about this Service Quotation and Order Form,
      please contact Gregg Smith by phone at (214) 800-5830 or send
                           e-mail to gsmith@bbn.com.

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