Document:

Exhibit 10.28

                              SEPARATION AGREEMENT
                              --------------------

         Agreement made as of October 13, 1999, between Group Long Distance,
Inc., a corporation organized under the laws of the State of Florida (the
"Company"), and Gerald M. Dunne, Jr. ("Dunne").

         WHEREAS, Dunne has been employed by the Company as its President and
Chief Executive Officer, pursuant to an Employment Agreement effective February
28, 1997 (the "Employment Agreement"); is a member of and Chairman of the Board
of Directors of the Company and serves as an officer and director of
subsidiaries of the Company; and

         WHEREAS, the Employment Agreement, by its terms, expires on February
27, 2000; and

         WHEREAS, the Company and Dunne wish to terminate the employment
relationship and the Employment Agreement, as well as terminate Dunne's service
as a director of the Company and as an officer and director of the Company's
subsidiaries effective October 13, 1999 (collectively referred to as
"Employment")

         NOW, THEREFORE, in consideration of the mutual covenants and agreements
hereinafter set forth, the Company and Dunne hereby agree as follows:

         1. (a) Dunne's employment with the Company shall terminate effective
October 13, 1999. Contemporaneously with the execution of this Separation
Agreement, Dunne shall execute the following documents:

                           (i)   Resignation as a member of the Board of
                                 Directors of the Company.

                           (ii)  Resignation as an officer of the Company.

                           (iii) Resignation as a director of Eastern
                                 Telecommunications Incorporated.

                           (iv)  Resignation as an officer of Eastern
                                 Telecommunications Incorporated.

                           (v)   Resignation as an officer and director of all
                                 other subsidiaries of the Company.

<PAGE>

                  (b) In connection with the termination of Dunne's Employment,
Dunne shall receive severance compensation consisting of (i) severance pay in
the amount of one hundred ninety thousand dollars ($190,000.00), ("Lump Sum
Amount"), less all applicable employment withholding tax in an amount not less
than thirty percent (30%) of the Lump Sum Amount. The remaining balance of the
Lump Sum Amount in the approximate amount of one hundred thirty three thousand
dollars ($133,000.00) shall be distributed as follows:

                           (i) the approximate sum of sixty six thousand five
hundred dollars ($66,500.00) shall be retained by GLD and remitted directly to
the Internal Revenue Service for credit against any unpaid personal or
employment tax obligations, including penalties and interest, for bonuses,
salary or other compensation paid by GLD to Dunne in 1997, 1998 and 1999. Such
remittance shall be applied to the oldest outstanding tax obligation.

                           (ii) the sum of twenty two thousand one hundred
sixty-five dollars ($22,165.00) of the Lump Sum Amount shall be distributed to
Dunne contemporaneously with the execution of this Agreement.

                           (iii) the remaining balance of approximately forty
four thousand three hundred thirty-five dollars ($44,335.00) of the Lump Sum
Amount shall be distributed to Dunne when all the conditions set forth below
have been fulfilled:

                                    (a) Dunne shall pledge all GLD stock owned
by him as collateral for the payment of any outstanding tax obligation as
described above. Dunne shall execute a pledge agreement in the form attached as
Exhibit "A"; and

                                    (b) Dunne shall file personal federal income
tax returns for 1997 and 1998. Dunne's personal federal income tax returns shall
be executed by Dunne and

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<PAGE>

subsequently certified by the tax preparer, who shall forward the returns to the
Internal Revenue Service for filing.

                           (i) Dunne shall cooperate with Company and the
resolution of any claim by the Internal Revenue Service for unpaid taxes as
described above.

                           (ii) Dunne shall indemnify Company against any loss
or damage, including costs and attorney's at any level, in connection with
damages, penalties or interest imposed by the Internal Revenue Service regarding
Dunne's nonpayment of the taxes described above.

                  (c) In the event that all of the Company's securities or
assets are sold or acquired during the term of this Separation Agreement, then
any payments by the acquirer, or any person or entity on the acquirer's behalf,
paid to Dunne or to any person or entity on Dunne's behalf, shall be offset
against the funds paid to and due to Dunne under this Separation Agreement. The
application of the offset shall not result in Dunne receiving less than the sum
of one hundred ninety thousand dollars ($190,000.00) due Dunne under this
Separation Agreement. As an example, in the event the acquirer is to pay Dunne
in excess of one hundred ninety thousand dollars ($190,000.00), Dunne shall
direct the acquirer to pay the sum of one hundred ninety thousand dollars
($190,000.00) to the Company. In the event the acquirer is to pay Dunne less
than one hundred ninety thousand dollars ($190,000.00), then Dunne shall direct
the acquirer to pay the entire sum it is to pay Dunne to the Company. Dunne
agrees to execute any documents necessary to facilitate the acquirers payment of
any such funds to the Company.

                  (d) GLD shall provide to Dunne, for the twenty-four (24) month
period following the date of the execution of this Severance Agreement by all
parties, health insurance substantially similar to those insurance benefits
which Dunne is receiving, immediately prior to the date of execution of this
Severance Agreement by all parties. Notwithstanding the foregoing, the health

                                        3
<PAGE>

insurance provided pursuant to this paragraph shall immediately cease in the
event GLD ceases doing business.

                  (e) GLD shall pay the September and October, 1999, monthly
installments of nine hundred ninety-eight and 54/100 dollars ($998.54)
representing lease payments on Dunne's lease with Lexus Financial Services,
Account No. 04064282148. GLD shall thereafter pay ten (10) months of the monthly
installments of approximately six hundred ($600.00) dollars representing lease
payments on Dunne's newly-leased automobile. All payments made by GLD pursuant
to this paragraph shall be paid directly to the automobile lessor under their
lease with Dunne.

         2. At the sole discretion of GLD, it may offer Dunne specific
consulting assignments at the rate of two hundred fifty dollars ($250.00) per
hour. All such assignments accepted by Dunne shall be performed by Dunne within
a reasonable amount of time. Such assignments will consist of duties
commensurate with those duties you have customarily discharged during your term
of employment. All assigned work shall be preapproved by GLD, and GLD shall have
the right to place a limitation on the total number of hours with respect to a
specific assignment. GLD is not required to assign any work to Dunne pursuant to
this paragraph.

         3. Dunne waives any and all rights under the Employment Agreement and
acknowledges that this Separation Agreement is the sole repository of the terms
and conditions of Dunne's Separation from employment by GLD.

         4. Dunne hereby ratifies and confirms all of the terms and conditions
of P. 8 Non-competition of the Employment Agreement and acknowledges that the
terms of such paragraph are incorporated herein by reference and made a part
hereof. The term of the Non-competition shall be extended until the expiration
of thirteen (13) months from the date Company pays the last installment of
severance pay to Dunne.

                                        4
<PAGE>

         5. (a) Dunne shall keep confidential all proprietary and other
information concerning the Company and its business, including but not limited
to information concerning the Company's customers, vendors and others with whom
it transacts business, its methods of operation and other trade secrets, its
future plans and strategies, and any financial information concerning the
Company (collectively, "Confidential Information"). Dunne agrees that all
Confidential Information is the exclusive property of the Company and that Dunne
will not remove the originals or make copies of any Confidential Information
without the Company's prior written consent. Dunne shall not use Confidential
Information for any purposes other than to carry out his obligations under this
Agreement and will not divulge Confidential Information to any other person or
entity during or after the term of this Agreement without the Company's prior
written consent, unless required by law or judicial or other process. The
provisions of this Section 13 shall continue to apply to the parties after this
Agreement is terminated.

                  (b) Unless Company waives its rights in writing under P. 13
CONFIDENTIALITY of the Employment Agreement, Dunne shall assert the existence of
the confidentiality provision of the Employment Agreement and shall not testify
until ordered to do so by a court or tribunal of competent jurisdiction.

         6. (a) (i) In consideration of the payments and other undertakings
provided for herein, the sufficiency of which is hereby acknowledged, Dunne does
hereby fully, finally and unconditionally release and forever discharge, for
himself, his personal representatives, successors, heirs and assigns, the
Company and its affiliates and their respective employee welfare benefit plans,
fiduciaries, trustees, officers, directors, employees and agents from and waives
any and all claims Dunne had, now has, or may have against any of them, whether
known or unknown, arising from his employment, his separation from employment,
or otherwise, under any local, state or federal statute,

                                        5
<PAGE>

ordinance or law, or under the common law of the United States or any of the
states thereof, concerning any matter or thing whatsoever, which arose from the
beginning of time up to and including the date on which this Agreement is fully
executed.

                  (ii) For two years after the date all parties have executed
this Separation Agreement, the Company shall maintain its director and officer
insurance policy with benefits at least equal to the benefits provided under the
Company's present director and officer policy, American International Union Fire
Insurance Company of Pitts., P.A., policy number 861-41-13 (Directors' and
Officers' Policy). For the three year period following the expiration of the
initial two year period, so long as it is commercially reasonable, the Company
shall use its best efforts to maintain director and officer insurance coverage
with benefits at least equal to the benefits provided under the Directors' and
Officers' Policy.

                  (b) In consideration of the payments and other undertakings
provided for herein, the sufficiency of which is hereby acknowledged, Company
does hereby fully, finally and unconditionally release and forever discharge
Dunne from and waives any and all claims Company had, now has, or may have
against him, whether known or unknown, arising from his employment, his
separation from employment, or otherwise, under any local, state or federal
statute, ordinance or law, or under the common law of the United States or any
of the states thereof, concerning any matter or thing whatsoever, which arose
from the beginning of time up to and including the date on which this Agreement
is fully executed.

         7. In the event of any dispute between the parties hereto arising out
of or relating to this Agreement, such dispute shall be settled by arbitration
in Fort Lauderdale, Florida, in accordance with the commercial arbitration rules
then in effect of the American Arbitration Association, except that there shall
be one arbitrator selected with respect to any such arbitration proceeding.
Judgment

                                        6
<PAGE>

upon the award rendered may be entered in any court having jurisdiction thereof.
Notwithstanding anything to the contrary, if any dispute arises between the
parties under P. 2 of this Separation Agreement, the Company shall not be
required to arbitrate such dispute or claim, but shall the right to institute
judicial proceedings either at law or equity, in any court of competent
jurisdiction with respect to such dispute or claim. If such judicial proceedings
are instituted, the parties agree that such proceedings shall not be stayed or
delayed pending the outcome of any arbitration proceedings hereunder.

         8. Any notice or other communication required or permitted under this
Agreement shall be effective only if it is in writing and delivered personally
or sent by registered or certified mail, postage prepaid, addressed as follows:

            If to the Company:  Glenn Koach, Executive Vice President
                                Group Long Distance, Inc.
                                1451 West Cypress Creek Road
                                Suite 200
                                Fort Lauderdale, Florida 33309

with copy to:                   Thomas R. Tatum, Esq.
                                Brinkley, McNerney, Morgan, Solomon & Tatum, LLP
                                200 East Las Olas Boulevard
                                Suite 1800
                                Fort Lauderdale, Florida 33301

                  If to Dunne:  Gerald M. Dunne, Jr.
                                1379 NW 100th Drive
                                Coral Springs, FL 33071

or to such other address as either party may designate by notice to the other,
and shall be deemed to have been given upon receipt.

         9. This Agreement constitutes the entire agreement between the parties
hereto with respect to Dunne's employment with, and separation from, the
Company, and supersedes and is in

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<PAGE>

full substitution for any and all prior understandings or agreements with
respect to Dunne's employment with the Company.

         10. This Agreement may be amended only by an instrument in writing
signed by the parties hereto, and any provision hereof may be waived only by an
instrument in writing signed by the party or parties against whom or which
enforcement of such waiver is sought. The failure of either party hereto at any
time to require the performance by the other party hereto of any provision
hereof shall in no way affect the full right to require such performance at any
time thereafter, nor shall the waiver by either party hereto of a breach of any
provision hereof be taken or held to be a waiver of any succeeding breach of
such provision or a waiver of the provision itself or a waiver of any other
provision of this Agreement.

         11. This Agreement is binding on and is for the benefit of the parties
hereto and their respective successors, heirs, executors, administrators and
other legal representatives. Neither this Agreement nor any right or obligation
hereunder may be assigned by the Company (except to an affiliate) or by Dunne.

         12. This Agreement shall be governed by and construed in accordance
with the laws of the State of Florida (without giving effect to its choice of
law principles).

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

         14. In the event of any dispute between the parties arising from this
Separation Agreement, the prevailing party shall be entitled to its costs and
reasonable attorney's fees, including all appellate levels.

                                        8
<PAGE>

         IN WITNESS WHEREOF, the Company and Dunne have executed this Agreement
as of the date first written above.

                                            GROUP LONG DISTANCE, INC.

/s/ Gerald M. Dunne, Jr.                     By: /s/ Glenn S. Koach
----------------------------------              --------------------------------
GERALD M. DUNNE, JR.

                                        9EMPLOYMENT AGREEMENT
                              --------------------

         This AGREEMENT between GROUP LONG DISTANCE, INC. (hereinafter the
"Company") and GLENN KOACH, an individual (hereinafter the "Employee") is
entered into as of and will be effective as of November 15, 1999.

         WHEREAS, the Employee is currently employed as President and Chief
Executive Officer of the Company and serves as a Director of the Company; and

         WHEREAS, the Company desires that the Employee continue to be employed
and serve as President and Chief Executive Officer of the Company and to serve
as a Director of the Company; and

         WHEREAS, the Employee wishes to be so employed;

         NOW, THEREFORE, in consideration of the premises and of the mutual
covenants herein contained, the parties agree as follows:

         1. EMPLOYMENT.
            -----------

         The Company agrees to employ the Employee in the position of President
and Chief Executive Officer, as provided for in the By-Laws of the Company and
the Employee agrees to continue employment with the Company on the terms and
conditions hereinafter set forth. The Employee shall serve as a Director of the
Company during the term of this Agreement.

         2. DUTIES.
            -------

            (a) The Employee shall perform satisfactorily all duties of his
position, as provided for in the By-Laws of the Company and as determined from
time-to-time by the Board of Directors of the Company ("Board of Directors").

            (b) The Employee shall devote such time to the development and
operations of the Company's business as is necessary or advisable.

<PAGE>

            (c) The Employee shall be accountable to the Board of Directors,
ants Executive Committee, whichever is appropriate.

            (d) As Chief Executive Officer, all employees of the Company shall
report directly to Employee.

            (e) The Employee shall abide by the policies, standards and rules
established from time-to-time by the Board of Directors for the conduct of the
business of the Company. The Employee will not intentionally or negligently act
in any manner to cause financial or other damage to the Company or the Company's
reputation the community in which its business is located. The Board of
Directors reserves the right to change, interpret, withdraw or add to any of the
policies, standards and rules of the Company at any time as it deems
appropriate. The Board of Directors shall not entertain discussion regarding
amendments to this Agreement or the termination of Employee without prior notice
to Employee.

            (f) In the operations of the Company, the Employee will continue to
cooperate in allowing information from key employees of the Company to be
communicated to the Board of Directors. The Employee will not interfere with
members of the Board of Directors making reasonable inquiry into the affairs of
the Company and will not stifle free flow of information to them.

         3. TERM.
            -----

            (a) The term of this Agreement shall commence as of November 15,
1999, and shall be in force for one (1) year. The Agreement shall be
automatically renewed for one,(1) year periods in full force and effect from
the expiration of any period hereunder, unless one of the parties

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<PAGE>

hereto shall give written notice to the other party not less than ninety (90)
days prior to the expiration of such period, of the party's intention to
termninate the Agreement at the expiration of such period.

            (b) If one of the parties hereto gives proper notice to the other
party that this Agreement will not be automatically renewed pursuant to the
provisions of Section 3(a) hereof, the Employee (i) shall continue his
employment with the Company until the expiration of the current term of this
Agreement; and (ii) shall continue to receive all compensation and benefits to
which the Employee is entitled under this Agreement until the expiration of such
period.

         4. COMPENSATION AND BENEFITS:
            --------------------------

            (a) For all services rendered by the Employee for each contract
year, the Employee shall receive a base salary of ONE HUNDRED FIFTY THOUSAND
DOLLARS ($150,000.00) per year.

            (b) Upon execution of a Settlement Agreement between the Company and
TALK.COM, Employee shall be entitled to the immediate receipt of a cash bonus in
the amount of FIFTEEN THOUSAND DOLLARS ($15,000.00).

            (c) The Employee shall be entitled to stock options in accordance
with the Company's 1996 Stock Option Plan on the terms and conditions of the
Option Agreement.

            (d) The Employee shall be entitled to fifteen (15) days of vacation
which maybe used as long as such vacation time does not interfere with normal
business operations and the Employee's duties as President and Chief Executive
Officer.

            (e) The Employee shall be entitled to such sick days and personal
days as may be established by the Company for officers of the Company.

                                       3
<PAGE>

            (f) At the sole discretion of the Option and Compensation Committee
of the Board of Directors (the "Committee") the Employee may be granted a bonus
from time to time, the amount of which shall be determined by the Committee. The
Committee will consider certain factors in making such determination, including
but not limited to, the Company's performance, profitability, positive cash
flow, and any other significant event or matter.

            (g) The Employee shall be entitled to a car allowance equal to Five
Hundred Dollars ($500.00) per month.

            (h) The Employee shall be entitled to full health benefits during
the term of this Agreement.

         5. TERMINATION OF EMPLOYMENT.
            --------------------------

            (a) During the term of this Agreement, the Company may terminate the
Employee for Cause (as defined herein) and without Cause. The Company must give
written notice of any such termination.

            (b) If the Company terminates the Employee during the term of this
Agreement for Cause, the Employee shall not be entitled to receive any further
installments of Employee's base salary or any other compensation (including
severance payments) from the Company pursuant to this Agreement or otherwise.

            (c) If the Company terminates the Employee during the term of this
Agreement without Cause, the Employee shall be entitled to receive a severance
payment equal to three (3) months of the Employee's base salary. The Employee
shall cease to be entitled to such severance payment in the event that the
Employee violates the terms of Section 7 of this Agreement. The Employee shall
be entitled to such severance payment as of the date written notice of
termination

                                       4
<PAGE>

is provided to the Employee. Such compensation shall be paid in equal monthly
installments over a period of three (3) months.

            (d) "Cause" for purposes of this Section 5 shall mean the
Employee's: (a) engagement in gross misconduct materially injurious to the
Company; or (b) knowing and willful neglect or refusal to attend to the material
duties assigned to him by the Board of Directors of the Company, which is not
cured within thirty (30) days after written notice; or (c) intentional
misappropriation of property of the Company to the Employee's own use; or (d)
commission of an act of fraud or embezzlement; or (e) conviction for a crime
(excluding minor traffic offenses).

         6. REIMBURSEMENT OF EXPENSES.
            -------------------------

         The Company shall reimburse the Employee for the Employee's reasonable
expenses incurred by the Employee in connection with the Employee's duties under
this Agreement. The Employee shall comply with all reasonable record keeping
requirements of the Company with respect to the reimbursement of expenses.

         7. AGREEMENT NOT TO COMPETE.
            -------------------------

            (a) During the terms of this Agreement and for a period of three (3)
months after the termination of this Agreement, the Employee agrees not to
engage in the telecommunication business, either directly or indirectly, other
than on behalf of the Company and its affiliated companies without the written
approval of the Board of Directors of the Company. The term telecommunication
business shall be deemed to include long distance business (national and
international), mobile communications, beepers, local access communications and
debit card or other prepaid calling services and other similar business.
Further, during the period of employment, the Employee agrees not to undertake
any outside business investment opportunity that may reasonably

                                       5
<PAGE>

be deemed to conflict with the interests of the Company or an usurpation of
corporate opportunity for the Company, without the written approval of the Board
of Directors of the Company.

            (b) If any portion of the restrictions set forth above should, for
any reason whatsoever, be declared invalid by a court of competent jurisdiction,
the validity or enforceability of the remainder of such restrictions shall not
thereby be adversely affected.

            (c) The Employee declares that the foregoing scope, territorial and
time limitations are reasonable and properly required for the adequate
protection of the business of the Company. In the event any such scope,
territorial or time limitation is deemed to be unreasonable by a court of
jurisdiction, the Employee agrees to the reduction of said scope, territorial or
time limitation to such scope, area or period which said court shall have deemed
reasonable.

            (d) The existence of any claim or cause of action by the Employee
against the Company other than under this Agreement shall not constitute a
defense to the enforcement by the Company of the foregoing restrictive
covenants, but such claim or cause of action shall be litigated separately.

         8. ENTIRE AGREEMENT.
            -----------------

         This instrument contains the entire agreement of the parties. It may
not be changed orally. It may only be changed by an agreement in writing signed
by the party against whom enforcement of any waiver, change, modification,
extension or discharge is sought

         This Agreement supersedes in its entirety all prior employment
agreements between the Company and the Employee.

         9. SITUS.
            ------

         This Agreement shall be governed by the laws of the State of Florida.

                                       6
<PAGE>

         10. SUCCESSORS AND ASSIGNS.
             -----------------------

         This Agreement shall be binding on the Company's successors and
assigns.

         11. SEVERABILITY.
             -------------

         The invalidity or unenforceability of any provision of this Agreement
shall in no way affect the validity or enforceability of any other provision.

         12. WAIVER OF BREACH.
             -----------------

         The waiver by the Employee or the Company of any breach of any
provision of this Agreement by the other shall not operate or be construed as a
waiver of any subsequent breach by the other.

         13. CONFIDENTIALITY.
             ----------------

         The Employee shall keep confidential all proprietary and other
information concerning the Company and its business, including but not limited
to information concerning the Company's customers, vendors and others with whom
it transacts business, its methods of operation and other trade secrets, it
future plans and strategies, and any financial information concerning the
Company (collectively, "Confidential Information"). The Employee agrees that all
Confidential Information is the exclusive property of the Company and that
Employee will not remove the originals or make copies of any Confidential
Information without the Company's prior written consent. The Employee shall not
use Confidential Information for any purposes other than to carry out his
obligations under this Agreement and will not divulge Confidential Information
to any other person or entity during or after the term of this Agreement without
the Company's prior written consent, unless required by law or judicial or other
process. The provisions of this Section 13 shall continue to apply to the
parties after this Agreement is terminated.

                                       7
<PAGE>

         14. ARBITRATION.
             ------------

         In the event the Employee has any dispute, controversy or claim with
the Company, including but not limited to arty claim for wrongfull termination,
sexual harassment or discrimination under the laws of the State of Florida or
the United States (excepting only worker's compensation, unemployment or
temporary disability claims submitted in accordance with State law), any such
dispute, controversy or claim shall be submitted to arbitration in accordance
with the American Arbitration Association's National Rules for the Resolution of
Employment Disputes. The American Arbitration Association shall appoint a single
arbitrator to hear and decide the dispute and any locate for any hearing will be
at the American Arbitration Association's office closest to the Company's
offices in Fort Lauderdale, Florida, or at such other location as the parties
may mutually agree upon. The arbitrator appointed by the American Arbitration
Association shall issue an opinion and award which shall be final and binding
upon both the Employee and the Company. All such disputes, controversies or
claims shall be filed with the American Arbitration Association within six (6)
months after the alleged incident, event or circumstance which gave rise to the
dispute, controversy or claim. The alternative dispute resolution mechanism
provided for in this Section 14 shall not preclude the Company from seeking or
obtaining judicial relief in the event the Employee violates any provision of
this Agreement, particularly any breach of Sections 7 and 13.

         IN WITNESS WHEREOF, the parties have executed the Agreement effective
as of the date first above written.

                                        GROUP LONG DISTANCE, INC.

By: /s/ Glenn Koach                     By: /s/ John L. Tomlinson
-------------------------------             -------------------------------
     Glenn Koach                            John L. Tomlinson
                                            Chairman of the Board

                                       8

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