Document:

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                              EMPLOYMENT AGREEMENT

       This Employment Agreement ("Agreement") is entered into effective as of
the 14th day of June 1999 by and between T-NETIX, Inc., a Colorado corporation
("T-NETIX"), and Richard E. Cree ("Employee").

       WHEREAS, T-NETIX has entered into an Agreement and Plan of Merger with
Employee's current employer, Gateway Technologies, Inc. ("GTI") pursuant to
which GTI will merge with a subsidiary of T-NETIX (the "Merger"), and

       WHEREAS, T-NETIX desires to continue to have the benefits of Employee's
knowledge and experience as a full time senior executive without distraction by
employment-related uncertainties and considers such employment a vital element
to protecting and enhancing the best interests of T-NETIX, and its subsidiaries
and shareholders, and Employee desires to continue to be employed full time with
T-NETIX; and

       WHEREAS, T-NETIX and Employee desire to enter into an agreement under
which Employee will be employed by T-NETIX for a three year term commencing on
the effective date of the Merger (the "Effective Date"),

       NOW, THEREFORE, in consideration of the mutual covenants set forth herein
and other good and valuable consideration, the parties agree as follows:

              1. TERM. T-NETIX hereby agrees to employ Employee for a three-year
term commencing on the Effective Date and ending on the third anniversary date
of the Effective Date, unless earlier terminated as provided in this Agreement.
The term of this Agreement may only be extended by the mutual agreement of the
parties hereto.

              2. DUTIES. Employee shall serve as the President of GTI and
Executive Vice-President for Corporate Development of T-NETIX and shall report
to the Chief Executive Officer of T-NETIX, and shall assume such other duties as
the Chief Executive Officer or Board of Directors of T-NETIX (the "Board") may
from time to time prescribe consistent with duties of an executive officer of a
technology company of such size as T-NETIX, including such positions with and
duties for T-NETIX's subsidiaries as may be assigned from time to time. Employee
agrees to devote substantially all his time, attention and best efforts to the
performance of his duties.

              3. COMPENSATION. T-NETIX shall compensate Employee for the
services rendered under this Agreement as follows:

                     (a) An annual base salary ("Base Salary") determined by the
Board in its discretion and consistent with its practices for executive officers
of T-NETIX, but not less than $190,000 per year, payable in equal monthly
installments (less applicable withholding) in accordance with the customary
payroll practices of T-NETIX for the payment of executive officers.

                     (b) If Employee's Base Salary is increased at any time, it
shall not thereafter be decreased during the term of this Agreement, unless such
decrease is the result of a

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general reduction affecting the base salaries of substantially all other
executive officers of T-NETIX.

                     (c) On the Effective Date and on each of the first two
anniversary dates of the Effective Date as long as Employee is still employed by
T-NETIX, T-NETIX shall grant to Employee options for 20,000 shares (60,000
shares in the aggregate) of T-NETIX's common stock with an exercise price equal
to the then fair market value of such common stock. Each such option shall vest
and be exercisable on the first anniversary of the date of grant if Employee is
continuously employed by T-NETIX to such date. In the event of a "Change of
Control" (as defined in Section 6) of T-NETIX any such options not yet granted
in accordance with this Section 3(c) shall be granted immediately prior to such
Change of Control at an exercise price equal to the exercise price for the
options last granted prior to this Section 3(c) and all Options granted pursuant
to this Section 3(c) shall immediately vest and be exercisable. The number of
options granted pursuant to this Section 3(c) will be adjusted to take account
of any recapitalization of T-NETIX that affects the number of shares of common
stock of T-NETIX outstanding, such as a stock split.

                     (d) Employee shall not be entitled to director's fees for
his service on any board of directors of any T-NETIX subsidiary.

              4. EMPLOYEE BENEFITS.

                     (a) Employee shall be entitled to full participation, on a
basis commensurate with his position with T-NETIX, in all plans of life,
accident, medical payment, health and disability insurance, Options, stock
grants, bonuses, retirement, pension, perquisites and other employee benefit and
pension plans which generally are made available to executive officers of
T-NETIX or its subsidiaries ("T-NETIX Benefits Plans"), except for such plans
which the Board, in its sole discretion, shall adopt for select employees to
compensate them for special or extenuating circumstances.

                     (b) Employee shall be entitled to an annual vacation leave
at full pay as may be provided for by T-NETIX's vacation policies applicable to
executive officers, but in any event such paid vacation shall not be less than
three weeks in the aggregate.

              5. TERMINATION AND RIGHTS UPON TERMINATION.

                     (a) Death, Total Disability, or Retirement. (i) This
Agreement shall automatically terminate upon the death, total disability, or
retirement of Employee.

                            (ii) Total disability shall be deemed to occur if,
as a result of his incapacity resulting from physical or mental illness or
disease (including alcohol or other substance addiction) which is likely to be
permanent, Employee shall have been unable to perform his duties hereunder for a
period of more than 120 consecutive days during any twelve-month period. The
Board will determine if Employee's termination is due to total and permanent
disability according to any long-term disability plan then in effect for senior
executives of T-NETIX, and otherwise in good faith consistent with generally
prevailing practices of employers.

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                            (iii) Upon termination for Employee's death, T-NETIX
shall continue to pay Employee's salary to a legal representative previously
designated in writing by Employee (the "Legal Representative"), or if no such
designation has been made, to Employee's estate, for a period of twelve months
in monthly increments.

                            (iv) Upon termination for Employee's total
disability, T-NETIX shall continue to pay Employee's salary to the Legal
Representative (or if no designation has been made, to Employee or Employee's
other legal representative) and shall continue Employee's participation in all
T-NETIX Benefits Plans, for a period of the lesser of the remaining term of this
Agreement or six months.

                            (v) Upon termination for Employee's retirement at
any time after Employee reaches the age of 65, Employee's right to compensation
shall end and Employee shall not be entitled to continuation of salary.

                            (vi) Following any termination pursuant to this
Section 5(a), the Legal Representative or Employee, Employee's heirs,
administrator, or executor, as applicable, shall have a period of one year from
the date this Agreement is terminated to exercise any options previously granted
to Employee. All Options shall continue to vest during such one year period in
accordance with the vesting scheduled included as part of the grant of the
applicable Options.

                     (b) Termination For Cause. (i) T-NETIX may terminate this
Agreement at any time For Cause (as defined in the following sentence). A
Termination tor Cause means any of (A) the willful failure by Employee to follow
the reasonable instructions of the Board after written notice of such failure
has been given to Employee by the Board, (B) the willful commission by Employee
of acts that are dishonest, unethical, or inconsistent with local normal
business standards, (C) the commission by Employee of a felonious act, (D)
intentional wrongful disclosure of confidential information of T-NETIX, (E)
Employee's engagement in any competitive activity in violation of Section 14, or
(F) Employee's gross neglect of his duties.

                            (ii) Employee's right to compensation and
participation in T-NETIX Benefits Plans shall end and Employee shall not be
entitled to a severance payment if T-NETIX terminates this Agreement For Cause.

                     (c) Termination Without Cause. (i) T-NETIX may terminate
this Agreement at any time Without Cause, upon thirty days notice to Employee.
The termination of Employee's employment by T-NETIX for any reasons other than
those specified in Section 5(b)(i) shall be deemed a Termination Without Cause.

                            (ii) Upon Termination Without Cause other than
following a Change of Control. Employee will be entitled to a severance payment
equal to the amount of salary that would be payable to Employee through the term
of this Agreement at his then effective salary had he not been so terminated in
equal monthly installments through the third anniversary date of the Effective
Date.

                     (d) Resignation. (i) Employee may terminate this Agreement
at any time

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upon thirty days written notice to T-NETIX. Employee's termination pursuant to
this Section 5(d) shall be deemed Resignation for Good Reason if such
resignation meets the criteria in part (ii) below; otherwise it shall be deemed
a Voluntary Resignation.

                            (ii) Resignation for Good Reason is defined as
Employee's resignation that (x) is not in connection with T-NETIX's Termination
For Cause and (y) is caused by, and within ninety days of, any of the following:

                                   (A) Without the express written consent of
Employee, any duties that are assigned which materially diminish Employee's
position, duties, or status.

                                   (B) Any transfer or proposed transfer of
Employee for a period of more than 120 days in any 365-day period to a location
outside Dallas County, Texas without his consent, except for strategic
reallocations of the personnel reporting to Employee or relocation of GTI's
headquarters.

                                   (C) Employee's Base Salary, as the same may
hereafter be increased from time to time, is reduced, except as permitted under
Section 3(c).

                                   (D) T-NETIX fails materially to comply with
any of its obligations under this Agreement.

                            (iii) Upon Resignation for Good Reason other than
following a Change of Control, Employee shall be entitled to a severance payment
equal to the lesser of (a) Employee's highest Base Salary during the twelve
month period prior to resignation or (b) the amount of salary Employee would
have been paid at his then current salary through the remaining term of this
Agreement in equal monthly installments over the twelve month period beginning
with the date of resignation or over the remaining term of this Agreement had it
not been terminated, as applicable.

                            (iv) In the event of Employee's Voluntary
Resignation other than in connection with a Change of Control, Employee's right
to compensation and participation in T-NETIX Benefits Plans shall end, and
Employee shall not be entitled to a severance payment.

                     (e) Termination Following a Chance of Control. Employee's
termination rights following a Change of Control are governed by the provisions
of Section 7.

                     (f) The provisions of Section 8, 10 and 11 shall apply to
any termination of this Agreement that is subject to the provisions of parts
(c), (d), or (e) of this Section 5.

                     (g) The severance payments provided in parts (c)(ii) and
(d)(iii) of this Section 5 are intended to be in lieu of and not in addition to
any payment to Employee on account of salary for the unexpired term of this
Agreement.

              6. DEFINITION OF CHANGE OF CONTROL. For the purposes of this
Agreement, a Change of Control of T-NETIX shall be deemed to have taken place if
one or more of the following occurs:

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                     (a) Any person or entity, as that term is used in Section
13(d) and 14(d)(2) of the Securities Exchange Act of 1934 as amended (the
"Exchange Act"), other than (i) a qualified benefit plan of T-NETIX or of an
affiliate of T-NETIX; (ii) any person who is a stockholder or beneficial owner
of stock of the Effective Date (a "Current Stockholder"); (iii) any successor of
a Current Stockholder who acquires his shares by inheritance, devise, trust, or
operation of law directly from such Current Stockholder (a "Successor"); or (D)
any person or group of which Current Stockholders or Successors hold stock
representing an interest of one-third or more of the person's or group's total
stock, becomes a beneficial owner (as defined in Rule 13d-3 under the Exchange
Act as in effect on the date hereof) directly or indirectly of securities of
T-NETIX representing fifty per cent (50%) or more of the combined voting power
of T-NETIX's then outstanding securities.

                     (b) T-NETIX's shares are publicly traded, and individuals
who, as of the date immediately following the date T-NETIX shares are first
publicly traded, constitute the Board cease for any reason to constitute at
least a majority of the Board, unless any such change is approved by a unanimous
vote of the directors in office immediately prior to such cessation.

                     (c) T-NETIX shall (in a single transaction or a series of
related transactions) issue shares, sell or purchase assets, engage in a merger
or engage in any other transaction immediately after which securities of the
merged company representing fifty per cent (50%) or more of the combined voting
powers of the then outstanding securities of the merged company shall be
ultimately owned by persons who shall not have owned voting securities of
T-NETIX prior to such transaction or who shall be a party to such transaction.

                     (d) T-NETIX and its affiliates shall sell or dispose of (in
a single transaction or series of related transactions) business operations
which generated a majority of the consolidated revenues (determined on the basis
of T-NETIX's four most recently completed fiscal quarters) of T-NETIX and its
subsidiaries immediately prior thereto.

                     (e) The Board shall approve the distribution to T-NETIX's
shareholders of all or substantially all of T-NETIX's net assets or shall
approve the dissolution of T-NETIX.

                     (f) Any other transaction or series of related transactions
occur which have substantially the effect of the transactions specified in any
of the preceding clauses in this Section 6.

                     (g) Employee is terminated Without Cause within the period
of ninety days before an occurrence of a Change of Control or the execution of a
contract intended to effect a Change of Control (for purposes of this part (g)
the ninety day period shall be measured from the first event of any series of
events that constituted the Change of Control).

              7. RIGHTS UPON CHANGE OF CONTROL.

                     (a) If a Change of Control shall occur, Employee shall be
entitled to a severance payment, in an amount equal to the amount of salary at
his then current rate Employee would have been paid through the third
anniversary of the Effective Date had this Agreement not

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been terminated in equal monthly installments through the third anniversary of
the Effective Date upon any termination (including Voluntary Resignation) of his
employment during the term of this Agreement and following the Change of
Control, other than Termination For Cause, death, permanent disability, or
retirement.

                     (b) The severance payment payable to Employee under part
(a) above shall not exceed the maximum payment which, after taking into account
all other compensation and benefits which may be payable to Employee, is
permitted to be deducted as compensation expense by T-NETIX and to be received
by the Employee without liability for the assessment of an excise tax on such
payment under the applicable provisions of the Internal Revenue Code. In the
event of any disagreement between the parties regarding the determination of the
amount under clause (i) or (ii) above (a "Section 7(b) Dispute"), the matter
shall be resolved by arbitration as provided in Section 16.

                     (c) If a Change of Control shall occur and Employee's
employment is terminated for any reason other than For Cause, death, permanent
disability, or retirement, (i) Employee shall have immediate vesting of all
options granted to Employee and full vesting in all other employee benefit plans
and compensation plans., and (ii) Employee shall have the right to "put" all or
any portion of vested options to T-NETIX for the difference between the option
exercise price and the higher of (W) the market price of T-NETIX's stock (if
such stock is publicly traded) at the date of the "put" or (X) the aggregate
consideration per share received by T-NETIX or its stockholders for T-NETIX's
common stock in the transaction which resulted in a Change of Control.
Employee's right to "put" vested options to T-NETIX shall exist for the period
ending thirty days from the date of the Change of Control.

                     (d) Notwithstanding any other provision of this Section 7,
if following a Change of Control, (i) the person acquiring control of T-NETIX
(the "Corporate Successor") assumes T-NETIX's obligations under this Agreement
and is not in default hereunder for a period equal to the lesser of two years
following the Change of Control or the remaining term of this Agreement (the
"Post-Change of Control Period"), and (ii) Employee remains in the employ of the
Corporate Successor for the Post-Change of Control Period, then Employee shall
forfeit his rights under this Section 7 with respect to such Change of Control.
Employee's rights shall continue to be governed by this Agreement and the
provisions of Sections 5(e) and 7 shall remain in force with respect to any
subsequent Change of Control.

              8. OTHER SEVERANCE BENEFITS.

                     (a) If at any time during the term of this Agreement,
Employee is Terminated Without Cause, or Employee is terminated following a
Change of Control as provided in Section 7, or Employee Resigns for Good Reason,
then Employee shall be entitled to continuation, without any payment by
Employee, of T-NETIX Benefits Plans until the first to occur of (i) one year
after termination, (ii) the date Employee secures new employment, or (iii) the
third anniversary of the Effective Date.

                     (b) If at any time during the term of this Agreement,
Employee is Terminated Without Cause, or Employee is terminated following a
Change of Control as provided in Section 7, or Employee resigns for Good Reason,
T-NETIX shall promptly (and in any event within five business days after a
request by Employee therefor) pay directly or

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reimburse Employee for the costs and expenses of any executive outplacement firm
selected by Employee; provided, however, that T-NETIX's liability hereunder
shall be limited to the first $20,000 of such expenses incurred by Employee.
Employee shall provide T-NETIX with reasonable documentation of the incurrence
of such outplacement costs and expenses.

              9. TIMING OF PAYMENT. The parties agree that, in the event this
Agreement is terminated following a Change of Control, damages for delay in
T-NETIX's paying Employee any amounts due hereunder on the date required under
Section 7 may be difficult to ascertain precisely. T-NETIX and Employee
therefore agree that in such event, if the aggregate amount not paid on any
required date exceeds five per cent (5%) of the total amount due to Employee
pursuant to parts (a) and (c) of Section 7, Employee shall be entitled to an
additional payment, as liquidated damages and not as a penalty, an amount equal
to (i) the sum of the amounts due Employee under parts (a) and (c) of Section 7,
assuming that Employee had "put" all vested Options to T-NETIX within the
required time period, (ii) divided by 365 (such calculation is the "Daily Pay"),
for each day fill payment is delayed. Employee's entitlement to Daily Pay
pursuant to this Section 9(b) shall not affect Employee's right to prejudgment
interest in any arbitration, if such interest is awarded by the arbitrator

              10. OTHER BENEFITS. The provisions of Section 7 and 8 shall not
affect Employee's participation in, or termination of distributions and vested
rights under, any T-NETIX Benefits Plan to which Employee is entitled pursuant
to the terms of such plan, except as otherwise expressly provided in Sections 5,
7 and 8(a).

              11. NO DUTY TO MITIGATE DAMAGES. In the event of termination of
this Agreement as a result of (a) Employee's termination following a Change of
Control, (b) Employee's Termination Without Cause, or (c) Employee's Resignation
for Good Reason, Employee shall not be required to seek other employment in
order to mitigate his damages hereunder, and no compensation Employee does earn
after any termination shall be considered to mitigate damages Employee has
incurred or to reduce any payment T-NETIX is obligated to make to Employee
pursuant to this Agreement, except as specifically provided in Section 8(a).

              12. NO RIGHT TO SET OFF. T-NETIX shall not be entitled to set off
against the amount payable to Employee any amounts earned by Employee from other
employment after termination of his employment with T-NETIX or any amounts which
might have been earned by Employee in other employment had he sought such other
employment, except as specifically provided in Section 8(a). The amounts payable
to Employee under this Agreement shall not be treated as damages but as
severance compensation to which Employee is entitled by reason of termination of
this employment in the circumstances contemplated by this Agreement.

              13. NON-DISCLOSURE AGREEMENT.

                     (a) In connection with his employment with T-NETIX,
Employee will have access to and become acquainted with various trade secrets
and other proprietary and confidential information of T-NETIX. "Trade secrets
and other proprietary and confidential information" include but are not limited
to the following: (1) business, pricing, marketing and cost data; (2) technical
information regarding T-NETIX's products; (3) confidential customer information;
(4) customer and supplier lists; (5) contents of contracts and agreements with

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customers; and (6) customer requirements and specifications. Employee
acknowledges that T-NETIX has taken steps to keep trade secrets and other
proprietary and confidential information secret, including disclosing the
information only on a need-to-know basis, labeling documents as "confidential,"
and keeping confidential information in secure areas. Employee further
acknowledges that the trade secrets and other proprietary and confidential
information have been developed or acquired by T-NETIX through expenditure of
substantial time, effort and money and provide T-NETIX with an advantage over
competitors who do not know or use such trade secrets and other proprietary and
confidential information.

                     (b) In consideration for access to trade secrets and other
proprietary and confidential information, Employee agrees that during the
Noncompetition Period (as defined in Section 14) he will not directly or
indirectly disclose or use for any reason whatsoever any trade secrets and other
proprietary and confidential information obtained by him by reason of his
employment with T-NETIX, except as required to conduct the business of T-NETIX
or as authorized by express written permission of the Board or as otherwise
required by law.

                     (c) Employee confirms that all trade secrets and other
proprietary and confidential information, and all documents reflecting such
information, remain the exclusive property of T-NETIX. All business records,
papers and documents kept or made by Employee relating to the business of
T-NETIX shall be and remain the property of T-NETIX and shall remain in the
possession of T-NETIX during the term of Employee's employment and at all times
thereafter. Upon the termination of his employment with T-NETIX or upon the
request of T-NETIX at any time, Employee shall promptly deliver to T-NETIX, and
shall retain no copies of, any materials, records and documents (in whatever
form or medium) made by Employee or coming into his possession concerning the
business or affairs of T-NETIX.

                     (d) Employee acknowledges and agrees that the nature of the
trade secrets and other proprietary and confidential information to which he
will be given access would make it impossible for him to perform in the capacity
of officer, director, employee, agent, consultant, or representative of any
Competitor (as defined in Section 14) without disclosing or utilizing the trade
secrets and other proprietary and confidential information to which he will be
given access during the course of his employment. Employee further acknowledges
and agrees that T-NETIX's products are marketed in a highly competitive market.

              14. NON-COMPETITION AGREEMENT. In consideration for access to
trade secrets and other proprietary information of T-NETIX, for so long as
Employee is employed by T-NETIX and for a period of three years thereafter (the
"Noncompetition Period"), Employee will not:

                     (a) accept a position as an officer, director, employee,
agent, consultant, representative of (i) any other proprietary call processing
systems company or (ii) any other entity that, as of the date of Employee's
termination, competes directly with T-NETIX or any of its subsidiaries (an
entity described in either part (i) or (ii) is referred to in this Agreement as
a "Competitor");

                     (b) acquire or fail to dispose of any stock or other
ownership interest in any Competitor, other than investments equal to less than
one per cent of the outstanding stock of any class issued by any publicly traded
company;

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                     (c) solicit or seek business from any of GTI's customers,
prospective customers, suppliers, or prospective suppliers; or

                     (d) hire or engage any T-NETIX employee or induce any
T-NETIX employee to leave his or her employment with T-NETIX on behalf of any
Competitor.

              15. REMEDIES.

                     (a) Without intending to limit the remedies available to
T-NETIX, Employee acknowledges that a breach or threatened breach of any of the
covenants contained in Sections 13 and 14 may result in material irreparable
injury to T-NETIX or one of its subsidiaries for which there is no adequate
remedy at law, that it may not be possible to measure damages for such injuries
precisely, and that in the event of such a breach or threat thereof, T-NETIX
shall be entitled to obtain a temporary restraining order, a preliminary or
permanent injunction, or other comparable provisional or equitable relief
restraining Employee from engaging in activities prohibited by Sections 13 or
14, and such other relief as may be required to enforce specifically any of the
covenants in such Sections. Employee agrees to personal jurisdiction of any
state or federal court in the State of Texas in any proceeding brought by
T-NETIX to enforce Employee's covenants under Sections 13 and 14.

                     (b) Without limiting the relief specified in part (a)
above, and in addition to any other remedies available hereunder, at law, or in
equity, upon proof of Employee's deliberate violation of his obligations under
Section 13 or 14, T-NETIX shall be entitled to recover from Employee (i) any
severance paid pursuant to Section 5 or 7(a), and (ii) amounts paid to Employee
under Section 7(c)(ii).

              16. ARBITRATION.

                     (a) Any dispute or controversy arising under or in
connection with this Agreement shall be settled exclusively by arbitration
before a single arbitrator in Dallas County, Texas, in accordance with the rules
of the American Arbitration Association then in effect. The arbitrator shall be
selected by the American Arbitration Association, except that in a Section 7(b)
Dispute the arbitrator shall be selected in the manner provided in part (b)
below. Each parry shall bear his or its own costs of arbitration, except that if
Employee is the prevailing party in such arbitration, he shall be entitled to
recover from T-NETIX as part of any award entered his reasonable expenses for
attorneys and experts fees and disbursements. In any arbitration related to the
calculation of the amount of the severance pay due to employee, each party shall
submit a figure and supporting documentation and the arbitrator shall select the
figure submitted by one of the parties, but no other figure. The arbitrator
shall have no power to award consequential or punitive damages, even if such
damages are permitted under applicable law.

                     (b) In a Section 7(b) Dispute T-NETIX shall nominate a
proposed arbitrator, who may be the lawyer who represented T-NETIX in the
transaction that caused the Change in Control. Within five days after T-NETIX's
nomination, Employee may accept T-NETIX's nominee as arbitrator, or may propose
another lawyer. If T-NETIX accepts Employee's counter-nominee, that lawyer shall
serve as arbitrator. If T-NETIX does not accept

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Employee's counter-nominee, Employee's counter-nominee and T-NETIX's nominee
shall select a third lawyer, who shall serve as arbitrator.

                     (c) Nothing in this Section 16 shall prevent T-NETIX from
seeking equitable relief pursuant to Section 15.

              17. NOTICES. All notices, requests, demands and other
communication called for or contemplated hereunder shall be in writing and shall
be deemed to have been duly given when delivered personally or when mailed by
United States certified or registered mail, postage prepaid, addressed to the
parties, their successors in interest or assignees at the following addresses or
such other addresses as the parties may designate by notice in the manner
aforesaid:

                  If to T-NETIX:    T-NETIX, Inc.
                                    67 Inverness Drive East, Suite 100
                                    Englewood, Colorado 80112
                                    Attention: Alvyn A. Schopp

                  If to Employee:   Gateway Technologies, Inc.
                                    1544 Valwood Parkway, Suite 102
                                    Carrollton, Texas 75006
                                    Attention: Richard E. Cree

              18. GOVERNING LAW. This Agreement shall be governed by and
construed in accordance with the laws of the State of Texas without giving
effect to any principle of conflict-of-laws chat would require the application
of the law of any other jurisdiction.

              19. VALIDITY. The invalidity or unenforceability of any provision
or provisions of this Agreement shall not affect the validity or enforceability
of any other provision of this Agreement, remain in full force and effect.

              20. ENTIRE AGREEMENT. This Agreement constitutes the entire
understanding between the parties with respect to the subject matter hereof,
superseding all negotiations, prior discussions and preliminary agreements, and
further superseding any and all employment arrangements between Employee and
T-NETIX or any of T-NETIX's subsidiaries, affiliates or other related entities.
This Agreement may not be amended except in a writing executed by the parties
hereto.

              21. EFFECT ON SUCCESSORS IN INTEREST. This Agreement shall inure
to the benefit of and be binding upon the heirs, administrators, executors and
successors of each of the parties hereto. T-NETIX shall be in material breach of
this Agreement if any of its successors or assigns (including but not limited to
any Corporate Successor) fails expressly to assume T-NETIX's obligations
hereunder

              22. ASSIGNMENT. This Agreement is personal to Employee and
Employee may not assign this Agreement to any other person.

              23. EFFECTIVENESS. This Agreement shall be effective upon the
Effective Date.

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              24. Waiver of Rights Under Current Agreement. If and when the
Merger is consummated and in consideration for this Agreement, Employee waives
any rights he may have to severance and other benefits he may have under his
current employment agreement with GTI including, but not limited to, his rights
upon the change of control of GTI resulting from the Merger.

              25. SURVIVAL OF SECTION. The provisions of Sections 13 and 14 of
this Agreement shall survive the termination of this Agreement for the period
provided for therein, and Sections 15 and 16 shall survive for resolution of any
dispute arising out of or relating to this Agreement.

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

T-NETIX, INC.                                                EMPLOYEE

BY: /s/ ALVYN A. SCHOPP
   ------------------------------------                      Richard E. Cree
        ALVYN A. SCHOPP

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                                                                   EXHIBIT 10(g)

                          EXECUTIVE SEVERANCE AGREEMENT

         THIS EXECUTIVE SEVERANCE AGREEMENT (the "Agreement"), made and entered
into on the 22nd day of March, 1999, by and between First United Bancshares,
Inc. (the "Company"), a corporation organized and existing under the laws of the
State of Arkansas, and John G. Copeland (the "Executive").

                                R E C I T A L S:

         The Company acknowledges that Executive's contributions to the past and
future growth and success of the Company have been and will continue to be
substantial. As a publicly held corporation, the Company recognizes that there
exists a possibility of a Change in Control of the Company. The Board of
Directors of the Company (the "Board") also recognizes that the possibility of
such a Change in Control may contribute to uncertainty on the part of senior
management and may result in the departure of senior management or distraction
of senior management from their operating responsibilities.

         Outstanding management of the Company is always essential to advancing
the best interests of the Company and its shareholders. In the event of a threat
or occurrence of a bid to acquire or change control of the Company or to effect
a business combination, it is particularly important that the Company's business
be continued with a minimum of disruption. The Company believes that the
objective of securing and retaining outstanding management will be achieved if
the Company's key management employees are given assurances of employment
security so they will not be distracted by personal uncertainties and risks
created by such circumstances.

         NOW, THEREFORE, in consideration of the mutual covenants and
obligations herein and the compensation the Company agrees herein to pay the
Executive, and of other good and valuable consideration, the receipt and
sufficiency of which is hereby acknowledged, the Company and the Executive agree
as follows:

                                    ARTICLE 1
                                TERM OF AGREEMENT

         1.1 Term. This Agreement shall become effective as of the date on which
it is executed by the Company (the "Effective Date"). The Agreement shall be
effective for twenty-four months (24) and will automatically be extended for
twelve (12) months as of each anniversary date of the Effective Date (the
"Agreement Term") unless the Agreement Term is terminated by the Company upon
written notification to the Executive, within thirty days before an anniversary
date of the Effective Date, that the Agreement will terminate as of last day of
the Agreement Term as in effect immediately prior to such anniversary date.

         Unless the Company has effectively terminated this Agreement as
prescribed above in this Section 1.1, in the event of a Change in Control, the
Agreement Term shall be extended for an additional 12 months and shall then
expire at the end of such additional 12 month period.

         1.2 Change in Control, means if: (i) after the date of the Agreement,
any person, including a "group" as defined in Section 13(d)(3) of the Securities
Exchange Act of 1934, becomes the owner or beneficial owner of Company
securities having 20% or more of the combined voting power of the then
outstanding Company securities that may be cast for the election of the
Company's directors (other than as a result of an issuance of securities
initiated by the Company, or open market purchases approved by the Board, as
long as the majority of the Board approving the purchases are directors at the
time the purchases are made); or (ii) as the direct or indirect result of, or in
connection with, a cash tender or exchange offer, a merger or other business
combination, a sale of assets, a contested election of directors, or any
combination of these transactions, the persons who were directors of the Company
before such transactions cease to constitute a majority of the Board, or any
successor's board, within two years of the last of such transactions.

         1.3 Control Change Date, means the date on which an event described in
Section 1.2 occurs. If a Change in Control occurs on account of a series of
transactions, the Control Change Date is the date of the last of such
transactions.

                                       1
<PAGE>   2

                                    ARTICLE 2
                            TERMINATION OF EMPLOYMENT

         2.1 General. Executive is entitled to receive Termination Compensation,
as defined in Section 2.4, according to the remaining provisions of this section
if Executive's employment with the Company terminates because of an event
described in Sections 2.2 or 2.3 which occurs during an Agreement Term and (i)
on or after a Control Change Date, or (ii) within the 180 days immediately
preceding a Control Change Date. If Executive's employment terminates during an
Agreement Term and if an event described in Sections 2.2 or 2.3 has not
occurred, this Agreement terminates.

         2.2 Termination by the Company. Executive is entitled to receive
Termination Compensation (as described in Section 2.4) if Executive's employment
is terminated by the Company without Cause. Cause, means, for purposes of this
Agreement, (i) willful and continued failure by the Executive to perform his
duties as established by the Board of Directors of the Company; (ii) a material
breach by the Executive of his fiduciary duties of loyalty or care to the
Company; (iii) conviction of a felony; or (iv) willful, flagrant, deliberate and
repeated infractions of material published policies and regulations of the
Company of which the Executive has actual knowledge (the "Cause Exception"). If
the Company desires to discharge the Executive under the Cause Exception, it
shall give notice to the Executive as provided in Section 2.6 and the Executive
shall have thirty (30) days after notice has been given to him in which to cure
the reason for the Company's exercise of the Cause Exception. If the reason for
the Company's exercise of the Cause Exception is timely cured by the Executive
(as determined by a committee appointed by the Board of Directors), the
Company's notice shall become null and void.

         2.3 Voluntary Termination. Executive is entitled to receive Termination
Compensation if Executive voluntarily terminates employment with Good Reason.
Good Reason means, for purposes of this Agreement, the Executive's resignation
from the Company's employment within six (6) months following the occurrence of
any one of the following events:

             (a)  the failure by the Board to reelect the Executive to a
                  responsible executive position in the Company;

             (b)  a material modification by the Board of the duties, functions
                  and responsibilities of the Executive without his consent;

             (c)  the failure of the Company to permit the Executive to exercise
                  such responsibilities as are consistent with the Executive's
                  position and are of such a nature as are usually associated
                  with such office of a corporation engaged in substantially the
                  same business as the Company;

             (d)  the Company requires the Executive to relocate his employment
                  more than fifty (50) miles from his place of employment,
                  without the consent of the Executive, excluding reasonably
                  required business travel or temporary assignments for a
                  reasonable period of time;

             (e)  a reduction in Executive's compensation or benefits; or

             (f)  the Company shall fail to make a payment when due to the
                  Executive.

         2.4 Termination Compensation. Termination Compensation equal to 3.00
times Executive's Base Period Income shall be paid in a single sum payment in
cash or in common stock of the Company, at the election of the Executive.
Payment of Termination Compensation to Executive shall be made on the later of
the thirtieth business day after Executive's employment termination or the first
day of the month following his employment termination.

         2.5 Base Period Income. Executive's Base Period Income equals his
annual base salary as of Executive's termination date, plus the greater of the
average of any incentive bonus payable to Executive for the Company's last two
completed fiscal years or the Executive's target bonus opportunity under the
Company's annual incentive plan.

         2.6 Notice of Termination. Any termination by the Company under the
Cause Exception or by the Executive for Good Reason shall be communicated by
Notice of Termination to the other party hereto. For purposes of Sections 2.2
and 2.3, a "Notice of Termination" means a written notice which (i) indicates
the specific termination provision in this Agreement relied upon, (ii) sets
forth in reasonable detail the facts and circumstances claimed to provide a
basis for termination of the Executive's employment under the provision so
indicated and (iii) if the termination date is other than the date of receipt of
such notice, specifies the effective date of termination.

                                       2
<PAGE>   3

                                    ARTICLE 3
                              GROSS UP OF PAYMENTS

         In the event that any amount required to be paid or distributed to the
Executive pursuant to this Agreement shall constitute a parachute payment within
the meaning of Section 280G of the Internal Revenue Code of 1986, as amended
(the "Code"), or any successor statutory provision ("Excess Parachute Payments")
and the aggregate of such parachute payments and any other amounts otherwise
required to be paid or distributed to the Executive by the Company would cause
the Executive to be subject to the excise tax on excess parachute payments under
Section 4999 of the Code (the "Excise Tax"), or any successor or similar
provision thereof, the Company shall pay to the Executive such additional
amounts as are necessary so that, after taking into account any tax imposed by
such Section 4999 or any successor statutory provision, only on any Net Excess
Parachute Payments, as well as on payments made pursuant to this sentence, and
any federal or state income taxes payable as a result of any payments due to the
Executive pursuant to this sentence, the Executive is in the same after-tax
position the Executive would have been in if such Section 4999 or any successor
statutory provision did not apply and no payments were made pursuant to this
sentence.

                                    ARTICLE 4
                                 ATTORNEY'S FEES

         In the event that the Executive incurs any attorney's fees in
protecting or enforcing his rights under this Agreement, the Company shall
reimburse the Executive for such reasonable attorneys' fees and for any other
reasonable expenses related thereto. Such reimbursement shall be made within
thirty (30) days following final resolution of the dispute or occurrence giving
rise to such fees and expenses.

                                    ARTICLE 5
                        WELFARE BENEFIT PLAN EQUIVALENTS

         If the Executive is entitled to receive Termination Compensation under
this Agreement the Company, at its sole expense, shall maintain in full force
and effect for the continued benefit of Executive and his eligible dependents,
for a period of twenty-four (24) months following the date of termination, each
Welfare Benefit Plan in which the Executive was entitled to participate
immediately prior to the date of termination, at the benefit levels then in
effect; provided, however, in the event that the Executive's continued
participation in any such plan is not permitted thereunder, then the Company, at
its sole expense, shall provide the Executive and his eligible dependents a
benefit substantially similar to and no less favorable than the benefit provided
under such plan immediately prior to such termination of coverage; provided
further, however, at the termination of any period of coverage provided above,
the Executive shall have the option to have assigned to him, at no cost and no
apportionment of prepaid premiums, any assignable insurance owned by the Company
and relating specifically to the Executive. In lieu of being provided with the
benefits as described in the preceding sentence, the Executive may, at the
Executive's election and sole discretion, require the Company to include in the
Executive's Termination Compensation a lump sum amount equal to the value of the
benefits described in the preceding sentence. The term Welfare Benefit Plan as
used in this Article 5 refers to any plan, fund or program as defined under
Section 3 (1) of the Employee Retirement Income Security Act (ERISA), which has
been established and is maintained by the Company for the purpose of providing
its employees or their beneficiaries, through the purchase of insurance or
otherwise, medical, surgical, hospital care or benefits, or benefits in the
event of sickness, accident, disability or death.

                                    ARTICLE 6
                              MITIGATION OF PAYMENT

         The Company and the Executive agree that, following the termination of
employment by the Executive with Company, the Executive has no obligation to
take any steps whatsoever to secure other employment and such failure by the
Executive to search for or to find other employment upon termination from
Company shall in no way impact the Executive's right to receive payment under
any of the provisions of this Agreement.

                                    ARTICLE 7
                    DECISIONS BY COMPANY; FACILITY OF PAYMENT

         Any powers granted to the Board hereunder may be exercised by a
committee, appointed by the Board, and such committee, if appointed, shall have
general responsibility for the administration and interpretation of this
Agreement. If the Board or the committee shall find that any person to whom any
amount is or was payable hereunder is unable to care for his affairs because of
illness or accident, or has died, then the Board or the committee, if it so
elects, may direct that any

                                       3
<PAGE>   4

payment due him or his estate (unless a prior claim therefore has been made by a
duly appointed legal representative) or any part thereof be paid or applied for
the benefit of such person or to or for the benefit of his spouse, children or
other dependents, an institution maintaining or having custody of such person,
any other person deemed by the Board or committee to be a proper recipient on
behalf of such person otherwise entitled to payment, or any of them, in such
manner and proportion as the Board or committee may deem proper. Any such
payment shall be in complete discharge of the liability of the Company
therefore.

                                    ARTICLE 8
                                 INDEMNIFICATION

         The Company shall indemnify the Executive during his employment and
thereafter to the maximum extent permitted by applicable law for any and all
liability of the Executive arising out of, or in connection with, his employment
by the Company or membership on the Board; provided, that in no event shall such
indemnity of the Executive at any time during the period of his employment by
the Company be less than the maximum indemnity provided by the Company at any
time during such period to any other officer or director under an
indemnification insurance policy or the bylaws or charter of the Company or by
agreement.

                                    ARTICLE 9
                          SOURCE OF PAYMENTS; NO TRUST

         The obligations of the Company to make payments hereunder shall
constitute a liability of the Company to the Executive. Such payments shall be
from the general funds of the Company, and the Company shall not be required to
establish or maintain any special or separate fund, or otherwise to segregate
assets to assure that such payments shall be made, and neither the Executive nor
his designated beneficiary shall have any interest in any particular asset of
the Company by reason of its obligations hereunder. Nothing contained in this
Agreement shall create or be construed as creating a trust of any kind or any
other fiduciary relationship between the Company and the Executive or any other
person. To the extent that any person acquires a right to receive payments from
the Company hereunder, such right shall be no greater than the right of an
unsecured creditor of the Company.

                                   ARTICLE 10
                                  SEVERABILITY

         All agreements and covenants contained herein are severable, and in the
event any of them shall be held to be invalid by any competent court, this
Agreement shall be interpreted as if such invalid agreements or covenants were
not contained herein.

                                   ARTICLE 11
                              ASSIGNMENT PROHIBITED

         This Agreement is personal to each of the parties hereto, and neither
party may assign nor delegate any of his or its rights or obligations hereunder.

                                   ARTICLE 12
                                  NO ATTACHMENT

         Except as otherwise provided in this Agreement or required by
applicable law, no right to receive payments under this Agreement shall be
subject to anticipation, commutation, alienation, sale, assignment, encumbrance,
charge, pledge or hypothecation or to execution, attachment, levy, or similar
process or assignment by operation of law and any attempt, voluntary or
involuntary, to effect any such action shall be null, void and of no effect.

                                   ARTICLE 13
                                    HEADINGS

         The headings of articles, paragraphs and sections herein are included
solely for convenience of reference and shall not control the meaning or
interpretation of any of the provisions of this Agreement.

                                       4
<PAGE>   5

                                   ARTICLE 14
                                  GOVERNING LAW

         The parties intend that this Agreement and the performance hereunder
and all suits and special proceedings hereunder shall be construed in accordance
with and under and pursuant to the laws of the State of Arkansas, and that in
any action, special proceeding or other proceeding that may be brought arising
out of, in connection with, or by reason of this Agreement, the laws of the
State of Arkansas, shall be applicable and shall govern to the exclusion of the
law of any other forum, without regard to the jurisdiction in which any action
or special proceeding may be instituted.

                                   ARTICLE 15
                                 BINDING EFFECT

         This Agreement shall be binding upon, and inure to the benefit of, the
Executive and his heirs, executors, administrators and legal representatives and
the Company and its permitted successors and assigns.

                                   ARTICLE 16
                             MERGER OR CONSOLIDATION

         The Company will not consolidate or merge into or with another
corporation, or transfer all or substantially all of its assets to another
corporation (the "Successor Corporation") unless the Successor Corporation shall
assume this Agreement, and upon such assumption, the Executive and the Successor
Corporation shall become obligated to perform the terms and conditions of this
Agreement.

                                   ARTICLE 17
                                  COUNTERPARTS

         This Agreement may be executed simultaneously in one or more
counterparts, each of which shall be deemed an original but all of which
together shall constitute one and the same instrument.

                                   ARTICLE 18
                                ENTIRE AGREEMENT

         This Agreement expresses the whole and entire agreement between the
parties with referenced to the employment of the Executive and, as of the
effective date hereof, supersedes and replaces any prior employment agreement,
understanding or arrangement (whether written or oral) between the Company and
the Executive. Each of the parties hereto has relied on his or its own judgment
in entering into this Agreement.

                                   ARTICLE 19
                                     NOTICES

         All notices, requests and other communications to any party under this
Agreement shall be in writing and shall be given to such party at its address
set forth below or such other address as such party may hereafter specify for
the purpose by notice to the other party:

               (a)  If to the Executive:

                    John G. Copeland
                    420 Wilson Place
                    Apartment C-2
                    El Dorado, Arkansas  71730

               (b)  If to the Company:

                    First United Bancshares, Inc.
                    Main and Washington Streets
                    El Dorado, Arkansas  71730
                    ATTN.:   CEO

                                       5
<PAGE>   6

         Each such notice, request or other communication shall be effective (i)
if given by mail, 72 hours after such communication is deposited in the mails
with first class postage prepaid, addressed as aforesaid or (ii) if given by any
other means, when delivered at the address specified in this ARTICLE 19.

                                   ARTICLE 20
                            MODIFICATION OF AGREEMENT

         No waiver or modification of this Agreement or of any covenant,
condition, or limitation herein contained shall be valid unless in writing and
duly executed by the party to be charged therewith. No evidence of any waiver of
modification shall be offered or received in evidence at any proceeding,
arbitration, or litigation between the parties hereto arising out of or
affecting this Agreement, or the rights or obligations of the parties hereunder,
unless such waiver or modification is in writing, duly executed as aforesaid.
The parties further agree that the provisions of this ARTICLE 20 may not be
waived except as herein set forth.

                                   ARTICLE 21
                                      TAXES

         To the extent required by applicable law, the Company shall deduct and
withhold all necessary Social Security taxes and all necessary federal and state
withholding taxes and any other similar sums required by laws to be withheld
from any payments made pursuant to the terms of this Agreement.

                                   ARTICLE 22
                                    RECITALS

         The Recitals to this Agreement are incorporated herein and shall
constitute an integral part of this Agreement

         IN WITNESS WHEREOF, the parties have executed this Agreement on the day
and year first above written.

                                   EXECUTIVE:

                                   /s/ John G. Copeland

                                   FIRST UNITED BANCSHARES, INC.:

                                   By: /s/ Jim Kelley
                                       -----------------------------------------
                                   Name: James V. Kelley
                                         ---------------------------------------
                                   Title: Chairman, of the Board, President and
                                          Chief Executive Officer
                                          --------------------------------------

                                       6

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