Document:

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                                                                   Exhibit 10.22

                        SHAREHOLDER TO COMPANY LOAN NOTE

$1,426,000                                                     December 10, 1999

     TeleCommunication Systems, Inc., a Maryland corporation (the MAKER),
promises to pay to the order of Maurice B. Tose, a resident of the State of
Maryland (the LENDER), the principal sum of One Million Four Hundred Twenty-six
Thousand Dollars ($1,426,000), plus interest on the unpaid principal balance
thereof from time to time outstanding (the PRINCIPAL BALANCE) at the rates
applicable from time to time before the Maturity Date, as set forth in this
Note.

     SECTION 1.  PAYMENT TERMS

     (a)  Rate of Interest.  This Note shall bear interest (computed on the
basis of the actual number of days elapsed over a 360-day year) on the
Principal Balance at the fixed rate of 7.32% per annum.

     (b)  Payments of Interest.  Interest shall be paid monthly beginning
January 31, 2000 and the last day of each month thereafter.

     (c)  Payments of Principal.  The entire Principal Balance, and all accrued
but unpaid interest, if any remains, shall be due and payable in full on
January 31, 2001 (the MATURITY DATE).

     (d)  Application of Payments.  All payments under this Note shall be
applied first to late charges, then to other costs, if any, due pursuant to the
Agreement, then to unpaid commitment fees, then to accrued but unpaid interest,
and then to reduce the Principal Balance.

     SECTION 2.  DEFAULT

     (a)  Default Defined; General Remedies.  The occurrence of any one or more
of the following events shall constitute a default under this Note (a DEFAULT):
(i) the failure of the Maker to pay when due any principal of or interest on
this Note, or (ii) the occurrence of any Event of Default under the Agreement.
Whenever there is a Default, the Lender or other holder of this Note (the
HOLDER) may, at its option, declare all amounts due under this Note immediately
due and payable, and exercise any or all rights and remedies available to it
hereunder, under applicable laws.

     (b)  Interest Rate and Late Charge after Default.  If any payment of
interest, principal or other sums due under this Note is not received by the
Holder within 15 days of the date such payment is due, including, but not
limited to, principal becoming due by reason of a Default, then the Maker shall
pay a late charge equal to 4% of the amount of the late payment to compensate
the Holder for anticipated administrative costs incurred as a result of such
late payment. If a Default occurs, thereafter the Principal Balance shall bear
interest at the highest maximum legal rate, or if there is no legal limit, at
25% per annum, until the Maker's obligations under this Note and the Agreement
are fully and indefeasibly paid and discharged (or until such Default is, with
the Holder's consent, cured).

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Shareholder to Company Loan Note

     SECTION 3.  PLACE OF PAYMENT AND NOTICES

     (a)  Place of Payment.  All payments on this Note shall be paid in
immediately available funds at the address of the Lender set forth for notices
in Section 4(b), or such other place as the Holder may specify from time to
time. Any payment of principal or interest which falls due on a day that the
Lender is not open for business in the State of Maryland shall be made on the
next day that the Lender is open for business in the State of Maryland, and
such extension of time shall be included in calculating the amount of interest
to be paid.

     (b)  Notice.  Any notice or other communication required or permitted to
be given hereunder shall be in writing, and shall be delivered to the parties
at the addresses set forth below (or to such other addresses as the parties may
specify by due notice to the others). Notices or other communications shall be
effective when received at the recipient's location (or when delivered to that
location if receipt is refused). Notices or other communications given by
facsimile transmission shall be presumed received at the time indicated in the
recipient's automatic acknowledgement. Notices or other communications given by
Federal Express or other recognized overnight courier service shall be presumed
received on the following business day. Notices or other communications given
by certified mail, return receipt requested, postage prepaid, shall be presumed
received five business days after date of mailing.

          MAKER:    TELECOMMUNICATION SYSTEMS, INC.
                    275 WEST STREET, SUITE 400
                    ANNAPOLIS, MD 21401
                    ATTN: RICHARD YOUNG
                          EXECUTIVE VICE PRESIDENT & CHIEF OPERATING OFFICER
                    FAX: (410) 263-7617

          LENDER:   MAURICE B. TOSE
                    1290 MAGNOLIA AVENUE
                    ANNAPOLIS, MD 21403-4901

     SECTION 4.  CERTAIN PROCEDURAL MATTERS

     (a)  SERVICE OF PROCESS.  THE BORROWER HEREBY IRREVOCABLY CONSENTS TO THE
JURISDICTION OF THE COURTS OF THE STATE OF MARYLAND AND OF THE UNITED STATES
DISTRICT COURT FOR THE STATE OF MARYLAND IN CONNECTION WITH ANY PROCEEDING
ARISING OUT OF (OR RELATING TO) ANY OF THE LOAN DOCUMENTS, OR ANY DOCUMENT
DELIVERED PURSUANT TO ANY OF THE LOAN DOCUMENTS. In any litigation, the
Borrower waives personal service of any summons, complaint, and other process,
and agrees that service may be made by certified or registered mail directed to
the Borrower.

     (b)  Waiver of Jury Trial.  The Maker hereby (i) covenants and agrees not
to elect a trial by jury of any issue triable of right by a jury, and (ii)
waives any right to trial by jury fully to the extent that any such right shall
now or hereafter exist. This waiver of right to trial by jury is separably
given, knowingly and voluntarily, by the Maker, and this waiver is intended to
encompass individually each instance and each issue as to which the right to a
trial by jury would otherwise accrue. The Lender is hereby authorized and
requested to submit this agreement to any court having

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Shareholder to Company Loan Note

jurisdiction over the subject matter and the parties hereto, so as to serve as
conclusive evidence of the Maker's herein contained waiver of the right to
trial by jury. Further, the Maker hereby certifies that no representative or
agent of the Lender (including the Lender's counsel) has represented,
expressly or otherwise, to the Maker that the Lender will not seek to enforce
this waiver of right to trial by jury provision.

     (c)  Relationship of Parties. The Loan Documents provide for the making of
loans by the Lender, to the borrower, and for the payment of interest and
repayment of principal by the borrower to the Lender. The relationship between
the Lender and the Maker is limited to that of creditor/secured party (i.e., the
Lender), on the one hand, and the debtor (i.e., the Maker), on the other hand.
The provisions in the Loan Documents for compliance with financial covenants,
delivery of financial statements, and other provisions are intended solely for
the benefit of the Lender to protect its interests as a lender in assuring
payments of interest and repayment of principal, and nothing contained in the
Loan Documents shall be construed as permitting or obligating the Lender to act
as a financial or business advisor or consultant to the Maker, as permitting or
obligating the Lender to control the Maker or to conduct the Maker's operations,
as creating any fiduciary obligation on the part of the Lender to the Maker, or
as creating any joint venture, agency, or other relationship between the parties
other than as explicitly and specifically stated in the Loan Documents. The
Maker acknowledges that it has had the opportunity to obtain the advice of
experienced counsel of its own choosing in connection with the negotiation and
execution of the Loan Documents and to obtain the advice of such counsel with
respect to all matters contained herein, including, without limitation, the
provision in Section 4(b) for waiver of trial by jury. The Maker further
acknowledges that it is experienced with respect to financial and credit matters
and has made its own independent decision to apply to the Lender for credit and
to execute and deliver the Loan Documents.

     (d)  Confessed Judgment. In addition to all other remedies set forth in
the Agreement, and all other remedies available under applicable law, if a
Default occurs under this Note, the Maker hereby waives service of any and all
process and hereby authorizes and empowers the clerk of any court in Maryland
to confess judgment against the Maker, without prior notice or opportunity for
prior hearing, in favor of the Holder, for the Principal Balance, together with
interest, late payment charges, court costs and reasonable attorneys' fees of
15% of the Principal Balance. The Maker consents to immediate execution of such
confessed judgment and waives the benefit of any exemption laws.

     SECTION 5.     MISCELLANEOUS

     Each right, power and remedy of the Holder under this Note, the Agreement
or under applicable laws shall be cumulative and concurrent, and the exercise
of any one or more of them shall not preclude the simultaneous or later
exercise by the Holder of any or all such other rights, powers or remedies. No
failure or delay by the Holder to insist upon the strict performance of any one
or more provisions of this Note or the Agreement or to exercise any right,
power or remedy consequent upon a breach hereof or default hereunder shall
constitute a waiver thereof, or preclude the Holder from exercising any such
right, power or remedy. No modification, change, waiver or amendment of this
Note shall be deemed to be made unless in writing signed by the party to be
charged. If it becomes necessary to employ counsel to collect this obligation,
the Maker agrees to

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Shareholder to Company Loan Note

pay reasonable attorneys' fees for legal services involved. The Maker and each
endorser, guarantor, accommodation party and surety of this Note hereby waive
demand, presentment for payment, protest, notice of dishonor and notice of
protest. This Note shall inure to the benefit of and be binding upon the
parties and their respective successors and assigns. The invalidity, illegality
or unenforceability of any provision of this Note shall not affect or impair
the validity, legality or enforceability of any other provision. THIS NOTE
SHALL BE DEEMED TO BE MADE IN, AND SHALL BE GOVERNED BY THE LAWS OF, THE STATE
OF MARYLAND (WITHOUT REGARD TO ITS PRINCIPLES OF CONFLICTS OF LAWS).

Attest                                        TeleCommunication Systems, Inc.
[Corporate Seal]

By: /s/ Bruce A. White                  By: /s/ Thomas M. Brandt, Jr.
    __________________                      ___________________________
    Vice President                          Thomas M. Brandt, Jr.
                                            Senior Vice President & CFO

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                                                                   Exhibit 10.23

                                PROMISSORY NOTE

$125,000                                                         August 27, 1999

     FOR VALUE RECEIVED, the undersigned Borrower promises to pay to
TeleCommunications Systems, Inc. (the "Company") at its principal offices at
275 West Street, Suite 400, Annapolis, MD 21401 the principal sum of One
Hundred Twenty-Five Thousand dollars ($125,000.00), together with interest from
the date on this Note on the unpaid principal balance, upon the terms and
conditions specified below.

     1.   TERM.  The principal balance of this Note, together with interest
accrued and unpaid to date, shall be due and payable at the close of business on
August 26, 2002; provided, however, that if Borrower remains an employee of
Company on August 26, 2000, the $41,667 of the principal amount together with
the accrued and unpaid interest thereon shall be forgiven and the obligation
to pay that amount will be extinguished. If Borrower remains an employee of
Company on August 26, 2001, then $41,667 of the principal amount together with
the accrued and unpaid interest thereon shall be forgiven and the obligation to
pay that amount will be extinguished. If the Borrower remains an employee on
August 26, 2002, then the remaining principal amount together with the accrued
and unpaid interest thereon shall be forgiven and the Note shall be cancelled
without repayment of any kind.

     2.   RATE OF INTEREST.  Interest shall accrue under the Note on any unpaid
principal balance at the Applicable Federal Rate under Section 1274(d) of the
Internal Revenue Code, per annum, compounded annually.

     3.   PREPAYMENT.  Prepayment of principal and interest may be made at any
time without penalty.

     4.   EVENTS OF ACCELERATION.  The entire unpaid principal sum and unpaid
interest under this Note shall become immediately due and payable upon:

          (a)  The date when the Borrower ceases to be employed by Company;
          (b)  The occurrence of a material event of default under the Option
          Pledge Agreement securing this Note or any obligation secured thereby.

     5.   SECURITY.  Payment of this Note shall be secured by an Option Pledge
Agreement to be executed and delivered by the Borrower and covering shares of
the Company's Class B Common Stock. The Borrower, however, shall remain
personally liable for payment of this Note, and assets of the Borrower, in
addition to the collateral under the Option Pledge Agreement, may be applied to
the satisfaction of the Borrower's obligations hereunder.

     6.   COLLECTION.  If action is instituted to collect this Note, the
Borrower promises to pay all reasonable costs and expenses (including
reasonable attorneys fees) incurred in connection with such action.

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     7. WAIVER. No previous waiver and no failure or delay by the Company or
the Borrower in acting with respect to the terms of this Note or the Option
Pledge Agreement shall constitute a waiver of any breach, default or failure of
condition under this Note, the Option Pledge Agreement or the obligations
secured thereby. A waiver of any term of this Note, the Option Pledge Agreement
or of any of the obligations secured thereby must be made in writing and signed
by a duly authorized officer of the Company and shall be limited to the express
terms of such waiver.

     The Borrower hereby waives presentment and demand for payment at such time
as the payments are due under the Note.

     8. CONFLICTING AGREEMENTS. In the event of any inconsistencies between the
terms of this Note and the terms of any other document related to the loan
evidenced by the Note, the terms of the Note shall prevail.

     9. GOVERNING LAW. This Note shall be construed in accordance with the
laws of the State of Maryland.

                                             /s/ Timothy J. Lorello
                                             _______________________
                                             Signature of Borrower

                                             Timothy J. Lorello
                                             _______________________
                                             Borrower
                                             1524 Sappington Drive
                                             Gambrills, MD 21054

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