Document:

Agreement made this day 5/26/2000 by and between TheStockAdvisor Inc., 1037 Anna
Knapp Blvd. Suite B, Mt. Pleasant, SC ("CONTRACTOR") and Affordable
Telecommunications Technology Group Corp., 6227 South West Freeway, Houston, TX
77074. ("CLIENT").

In consideration of the mutual terms, conditions and covenants hereinafter set
forth, CLIENT and CONTRACTOR agree as follows:

1. The CLIENT hereby engages the
CONTRACTOR as an independent contractor, and the CONTRACTOR hereby accepts such
engagement.

2. CONTRACTOR is an independent contractor willing to provide certain skills and
abilities to the CLIENT that the CLIENT has the need for, namely creating and
delivering an online promotional campaign to CONTRACTOR's readers, including:

     A. Minimum of 4 insertions in TheStockAdvisor Newsletter delivered via
     email to subscribers. Feature articles will be composed by CONTRACTOR and
     approved by CLIENT based on information provided by CLIENT.

     B. Listing in Featured Companies page. Listing will include links to news,
     quotes, messages boards as applicable.

     C. 3 quarterly review reports in TheStockAdvisor. CONTRACTOR will compose
     using information provided by CLIENT

     D. News Releases - Relevant news will be composed for financial disclosure
     circuit and will be composed by CONTRACTOR and approved by CLIENT based on
     information provided by CLIENT. CLIENT will be invoiced additionally for
     new releases based upon circuits utilized.

     E. Special Reports will be composed by CONTRACTOR and delivered to
     interested investors as requested by investors.

     F. Minimum of 4 insertions in 21st Century Markets Newsletter delivered via
     email to subscribers. Feature articles will be composed by CONTRACTOR and
     approved by CLIENT based on information provided by CLIENT.

     G. Listing in 21st Century Markets Featured Companies page. Listing will
     include links to news, quotes, messages boards as applicable.

     H. 3 quarterly review reports in 21st Century Markets Newsletter.
     CONTRACTOR will compose using information provided by CLIENT.

     I. CONTRACTOR will make available six 30-second television advertising
     spots broadcast during the Bloomberg Report on the American Independent
     Television Network. CLIENT will provide acceptable 30-second advertisement
     to be broadcast..

3. CLIENT shall pay to CONTRACTOR and CONTRACTOR shall accept from the CLIENT as
compensation for all services to be provided pursuant to this Agreement, the
following payments according to the following schedule:

     A. 100,000 shares of restricted company stock to be registered in earliest
     SB-2 registration.

     B. If ATTP stock price is less than $1.00 per share upon submission of SB-2
     registration of Section 3.A, CLIENT will compensate CONTRACTOR with
     sufficient shares of company stock to ensure that CONTRACTOR has received
     ATTP shares valued a minimum of $100,000. (One Hundred Thousand Dollars.)

4. A party may not assign this agreement without the express written consent of
the other party.

<PAGE>

5. CONTRACTOR agrees that they will not infringe on any third party's
intellectual property rights in creating the works subject to this agreement.
CLIENT agrees that they will not induce, ask, or require CONTRACTOR to create
Works under this agreement that infringe on any third party's intellectual
property rights.

6. CONTRACTOR hereby irrevocably assigns to CLIENT, and its successors,
licensees, and assigns, all right, title and interest worldwide in and to all
the Works created under this agreement, including, but not limited to, all
copyrights, design patents, trade secret rights, moral rights, and all contract
and licensing rights, and all claims and causes of action, whether now known or
hereafter to become known. In the event, CONTRACTOR has any right in the Works
which cannot be assigned, CONTRACTOR agrees to waive enforcement worldwide of
such rights against CLIENT, or, if necessary, exclusively license such right
worldwide to CLIENT, with the right to sublicense. CONTRACTOR agrees that he or
she will take all actions and execute any and all documents as may be requested
by CLIENT, at CLIENT's expense, from time to time, to fully vest in CLIENT all
right, title and interest worldwide in and to the Works.

7. CONTRACTOR is an independent contractor and may engage in other business
activities. Since CONTRACTOR is an independent contractor nothing contained in
this Agreement shall be interpreted to constitute the CONTRACTOR as a partner,
agent or employee of the CLIENT, nor shall either party have any authority to
bind the other. In its capacity as an independent contractor, CONTRACTOR agrees,
and CLIENT agrees, that CONTRACTOR has the sole right to control and direct the
means, manner and method by which the services required by this agreement will
be performed and CLIENT shall not withhold from CONTRACTOR's compensation any
amount that would normally be withheld from an employee's pay.

8. It is agreed between the parties that there are no other agreements or
understandings between them relating to the subject matter of this agreement.
This agreement supersedes all prior agreements, oral or written, between the
parties and is intended as a complete and exclusive statement of the agreement
between the parties. No changes or modifications of this Agreement shall be
valid unless the same be in writing and signed by the parties. If any provision
in this Agreement is held by a court of competent jurisdiction to be invalid,
void or unenforceable, the remaining provisions will continue in full force
without being impaired or invalidated in any way.

9. This Agreement shall be construed in accordance with and governed by the laws
of the State of South Carolina .

INTENDING TO BE LEGALLY BOUND, the parties hereto have caused this Agreement to
be executed as of the date first above written.

CLIENT
          BY                                           Date
            -------------------------------------------    --------------------
CONTRACTOR
          BY                                           Date
            -------------------------------------------    --------------------<PAGE>   1
                                                                   EXHIBIT 10.22

                              CONSULTING AGREEMENT

     THIS CONSULTING AGREEMENT (the "Agreement") is made and entered into this
15th day of May, 2000, by and between PAUL W. HENRY, an individual whose
principal address is at 56 Lawrence Road, Chestnut Hill, Massachusetts 02467
(the "Consultant"), and TELESERVICES INTERNET GROUP INC., a corporation whose
principal place of business is at 100 Second Avenue South, Suite 1000, St.
Petersburg, Florida 33701 (the "Client").

     WHEREAS, the Consultant is willing and capable of providing various
consulting services, hereinafter defined, for and on behalf of the Client; and

     WHEREAS, the Client desires to retain the Consultant as an independent
consultant and the Consultant desires to be retained in that capacity upon the
terms and conditions hereinafter set forth.

     NOW, THEREFORE, in consideration of the mutual promises and agreements
hereinafter set forth, the receipt and sufficiency of which are hereby
acknowledged, the parties hereto agree as follows:

     1. Consulting Services. The Client hereby retains the Consultant as an
independent consultant to the Client and the Consultant hereby accepts and
agrees to such retention. The Consultant shall make himself available to consult
with Client, and representatives and agents of Client, as requested by Client,
for and in connection with the duties of the offices of Secretary and Treasurer,
as described in the by-laws of Client. Consultant shall also perform other
consulting services as shall be mutually agreed upon between Consultant and
Client.

        It is acknowledged and agreed by the Client that Consultant is not
rendering legal advice or performing accounting services, nor acting as an
investment advisor or broker-dealer within the meaning of applicable state and
federal securities laws. It is further acknowledged and agreed by the Client
that the consulting advisory services to be provided to the Client hereunder
shall not be rendered in connection with the offer and sale of securities in a
capital-raising transaction.

     2. Time, Place and Manner of Performance. The Consultant shall be available
for advice and counsel to Client, and representatives and agents of the Client,
at such reasonable and convenient times and places as may be mutually agreed
upon. Except as aforesaid, the time, place and manner of performance of the
services hereunder, including the amount of time to be allocated by the
Consultant to any specific service, shall be determined in the sole discretion
of the Consultant.

     3. Term of Agreement. The term of this Agreement shall commence on the date
hereof, and shall terminate on December 31, 2002, subject, however, to prior
termination as hereinafter provided.

     4. Compensation. In consideration of the services to be provided for the
Client by the Consultant, the Client agrees to pay the Consultant an annual
consulting fee in the amount of $150,000 until October 31, 2000, and $180,000
thereafter, payable twice monthly, and will also pay the expenses of his routine
travel, lodging and other expenses in Florida, not to exceed $2,500 per month.
In addition, the Consultant is hereby granted options to purchase 450,000 shares
of common stock (post-reverse-split) at an exercise price of $1.40 per share
(post-reverse), the first 50,000 to vest on July 1, 2000, and the balance to
vest at the rate of 50,000 shares per quarter, with the final 50,000 shares to
vest on July 1, 2002. These options shall all expire on the earlier of May 15,
2005, or one year following the date of termination of the Consultant's
employment by the Client under this Agreement. These shares shall be registered
on Form S-8 as part of the Client's next employee stock option plan.

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Initials: Consultant _____ Client _____                                   Page 1

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     5. Expenses. Client will be responsible for reimbursement of Consultant
routine monthly travel, lodging and other expenses, up to $2,500 per month as
stipulated in paragraph 4, and Client shall reimburse Consultant for expenses
incurred in connection with all other business travel in accordance with the
normal practices of the company.

     6. Termination. This Agreement may be terminated by the Client for cause in
accordance with the Client's normal polices relative to high-level executives.
If the Client terminates this agreement not for cause (or constructively
terminates the Client by substantially altering his duties), then the Client
shall pay the consultant the full amount of the compensation still owing through
December 31, 2002, either in a lump sum at the time of termination or in equal
monthly installments on the first day of each month, at the discretion of the
Client. The Consultant shall be able to terminate this Agreement at any time by
giving the Client one month's advance notice in writing.

     7. Confidentiality. The Consultant recognizes and acknowledges that it has
and will have access to certain confidential information of the Client and its
affiliates that are valuable, special and unique assets and property of the
Client and such affiliates. The Consultant will not, during or after the term of
this Agreement, disclose, without the prior written consent or authorization of
the Client, any of such information to any person, except to authorized
representatives of the Consultant or its affiliates, for any reason or purpose
whatsoever. In this regard, the Client agrees that such authorization or consent
to disclosure may be conditioned upon the disclosure being made pursuant to a
secrecy agreement, protective order, provision of statute, rule, regulation or
procedure under which the confidentiality of the information is maintained in
the hands of the person to whom the information is to be disclosed or in
compliance with the terms of a judicial order or administrative process.

     8. Conflict of Interest. The Consultant shall be free to perform services
for other persons, but only on a very limited basis. The Consultant will notify
the Client of Consultant's performance of consulting services for any other
person which would conflict with Consultant's obligations under this Agreement.
Upon receiving such notice, the Client may consent to the Consultant's outside
consulting activities, or may inform the Consultant that he must cease such
activities or this agreement will be terminated.

     9. Disclaimer of Responsibility for Acts of the Client. The obligations of
Consultant described in this Agreement consist solely of the furnishing of
information and advice to the Client in the form of services. In no event shall
Consultant be required by the Agreement to represent or make management
decisions for the Client. All final decisions with respect to acts and omissions
of the Client or any affiliates and subsidiaries, shall be those of the Client
or its affiliates, and Consultant shall under no circumstances be liable for any
expense incurred or loss suffered by the Client as a consequence of such acts or
omissions.

     10. Indemnity by the Client. The Client shall protect, defend, indemnify
and hold Consultant and its assigns and attorneys, accountants, employees,
officers and directors harmless from and against all losses, liabilities,
damages, judgments, claims, counterclaims, demands, actions, proceedings, costs
and expenses (including reasonable attorneys' fees) of every kind and character
resulting from or relating to or arising out of (a) the inaccuracy,
non-fulfillment or breach of any representation, warranty, covenant or agreement
made by the Client herein; or (b) any legal action, including any counterclaim,
to the extent it is based upon alleged facts that, if true, would constitute a
breach of any representation, warranty, covenant or agreement made by the Client
herein; or (c) negligent actions or omissions of the Client or any employee or
agent of the Client, or any reckless or willful misconduct, occurring during the
term hereof with respect to any of the decisions made by the Client.

     11. Notices. Any notices required or permitted to be given under this
Agreement shall be sufficient if in writing and delivered or sent by registered
or certified mail or overnight courier to the principal office of each party.

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Initials: Consultant _____ Client _____                                   Page 2
<PAGE>   3

     12. Waiver or Breach. Any waiver by either party of a breach of any
provision of this Agreement by the other party shall not operate or be construed
as a waiver of any subsequent breach by any party.

     13. Assignment. This Agreement and the rights and obligations of the
Consultant hereunder shall not be assignable without the written consent of the
Client.

     14. Applicable Law. It is the intention of the parties hereto that this
Agreement and the performance hereunder and all suits and special proceedings
hereunder be construed in accordance with and under and pursuant to the laws of
the State of Florida 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, shall be brought only in a court of competent jurisdiction
within the county of Pinellas, Florida.

     15. 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, the Agreement shall be interpreted as if such invalid
agreements or covenants were not contained herein. If, during the term of this
agreement, the Consultant becomes an employee of the Client, the terms contained
herein will remain in effect and be incorporated in an employment agreement that
shall be regarded as a continuation of this agreement.

     16. Entire Agreement. This Agreement constitutes and embodies the entire
understanding and agreement of the parties and supersedes and replaces all prior
understandings, agreements and negotiations between the parties.

     17. Waiver and Modification. Any waiver, alteration or modification of any
of the provisions of this Agreement shall be valid only if made in writing and
signed by the parties hereto. Each party hereto, from time to time, may waive
any of its rights hereunder without effecting a waiver with respect to any
subsequent occurrences or transactions hereof.

     18. Attorneys' Fees and Costs. In the event of any dispute arising out of
the subject matter of this Agreement, the prevailing party shall recover, in
addition to any damages assessed, its attorneys' fees and court costs incurred
in litigating or otherwise settling or resolving such dispute. In construing
this Agreement, none of the parties hereto shall have any term or provision
construed against such party solely by reason of such party having drafted same.

     19. Counterparts and Facsimile Signatures. This Agreement may be executed
simultaneously in two or more counterparts, each of which shall be deemed an
original, but all of which taken together shall constitute one and the same
instrument. Execution and delivery of this Agreement by exchange of facsimile
copies bearing the facsimile signature of a party hereto shall constitute a
valid and binding execution and delivery of this Agreement by such party. Such
facsimile copies shall constitute enforceable original documents.

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

CONSULTANT:                                   CLIENT:

PAUL W. HENRY                                 TELESERVICES INTERNET GROUP INC.

/s/ Paul W. Henry                             By: /s/ Robert P. Gordon
-----------------                                ------------------------------
                                                 Robert P. Gordon, Chairman

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Initials: Consultant _____ Client _____                                   Page 3

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