Document:

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                                                                   EXHIBIT 10.12

                              EMPLOYMENT AGREEMENT

AGREEMENT dated the 12 day of Nov, 1998, between United States
Telecommunications, Inc., a Delaware corporation with an office at 5251 110th
Avenue North, Suite 118, Clearwater, Florida 33760 (the "Company"), and Robin
Caldwell, residing at 1522 Gulf Blvd., Indian Rock Beach, Florida 33785 (the
"Employee").

                                  WITNESSETH:

WHEREAS, the Company desires to employ the Employee and the Employee is willing
to accept such employment, all on the terms hereinafter set forth;

NOW, THEREFORE, the parties agree as follows:

1.       EMPLOYMENT. The Company hereby employs the Employee as its Business
         Coordinating Specialist on the terms hereinafter set forth for a period
         of five (5) years from the date of this Agreement, and the Employee
         hereby accepts such employment.

2.       DUTIES. The Employee will render services in such executive,
         supervisory and general administrative capacities as the Board of
         Directors of the Company shall from time to time reasonably determine.
         Without limiting the foregoing, the Employee will serve as the
         Company's Business Coordinating Specialist; shall oversee the Company's
         compliance with tax laws; shall oversee the Company's Human Resource
         Department; and shall perform various banking functions. The office of
         the Company located at 5251 110th Avenue North, Suite 118, Clearwater,
         Florida 33760 ("Company's Base") will constitute the Employee's base of
         operations. The Employee, though, will primarily perform her work from
         her home office in Florida, and work at the Company Base when necessary
         to complete her duties. The Employee may render services away from this
         area on a temporary basis and travel wherever the Company may
         reasonably require. In connection with all such trips, the Employee
         will be advanced or reimbursed for all reasonable travel and living
         expenses provided the Employee submits appropriate documentation for
         such expenses satisfactory to the Company. The Employee will be
         entitled to first class travel and hotel accommodations.

3.       EXCLUSIVITY. During her employment with the Company the Employee will
         not (i) act for her own account in any manner which is competitive with
         any of the business of the Company or which would interfere with the
         performance of her duties under this Agreement. Notwithstanding the
         foregoing, the Employee may own equity securities of any company
         engaged in securities exchange or regularly quoted in an
         over-the-counter market by one or more members of a national or an
         affiliated securities association.

4.       COMPENSATION.

         4.1      Salary. During the first year of her employment, the Company
                  will pay the Employee a salary at the rate of $100,000 per
                  year in equal, weekly installments. Thereafter the Company
                  shall raise the Employee's salary by six percent (6%)
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                  annually on the month and date on which this Agreement was
                  signed provided Employee's performance remains satisfactory,
                  and also provided that the Company's business performance
                  allows for salary raises. The Employee will not be entitled to
                  overtime or other additional compensation as a result of
                  services performed during evenings, weekends, holidays or at
                  other times.

         4.2      Deductions.  The Company will deduct and withhold from any
                  compensation payable to the Employee under this Agreement such
                  amounts as the Company is required to deduct and withhold by
                  law. The Company may also deduct and withhold from any such
                  compensation, to the extent permitted by law, such amounts as
                  the Employee may owe to the Company and any other amounts
                  requested by Employee for withholding.

5.       Expenses.  The Company will reimburse the Employee for all proper,
         normal and reasonable expenses incurred by the Employee in performing
         her obligations under this Agreement upon the Employee's furnishing the
         Company with satisfactory evidence of such expenditures. The Employee
         will not incur any unusual or major expenditures without the Company's
         prior written approval. Without limiting the foregoing, the Employee
         will not, without the Company's prior written approval, incur any
         travel expenses (including the cost of transportation, meals and
         lodging) in excess of $1,000 in the aggregate for any one trip.

6.       Benefits.

         6.1      The Company and the Employee agree that the Employee will be
                  responsible for the cost of Employee's medical, hospital,
                  dental, or disability insurance, and that the Company shall
                  not be responsible for procuring or paying for any such
                  coverage. The Employee shall be permitted to participate in
                  any group medical, hospital, dental or disability insurance
                  plan in which the Company participates or makes available to
                  its employees. The Company and the Employee agree that the
                  Company shall not be responsible for the cost of an automobile
                  to enable the Employee to perform her duties under this
                  agreement, nor shall the Company be responsible for the costs
                  of insuring, maintaining, repairing or operating such
                  automobile. The Company and the Employee acknowledge that all
                  of the expenses represented in this Section 6.1 were
                  contemplated by, and included in, Employee's annual salary set
                  forth in Section 4.1 above.

         6.2      The Employee will be entitled to 20 days paid vacation during
                  each calendar year (January 1 to December 31) in addition to
                  any paid holidays which the Company observes. In addition, the
                  Employee shall be entitled to fourteen (14) days paid sick
                  leave. Vacation and sick leave must be used during each
                  calendar year; if it is not used, it will be forfeited. No
                  payment will be made for unused vacation or sick leave time.

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         6.3      The Employee's salary and other rights and benefits under
                  this Agreement will not be suspended or terminated because
                  the Employee is absent from work due to illness, accident or
                  other disability, provided that such absence is deemed
                  medically necessary as set forth under Section 7 below. The
                  provisions of this Section 6.3 will not limit or affect the
                  rights of the Company under Section 7.

7.       TERMINATION.

         7.1      Death.  This Agreement shall automatically terminate upon the
                  death of the Employee, and all monetary obligations of
                  Company to Employee as set forth herein (including Employee's
                  salary set forth in Section 4.1 above and reimbursement for
                  expenses as set forth in Section 5 above) shall be prorated
                  to the date of death and paid to Employee's estate.

         7.2      Disability.  If the Employee is unable to perform
                  substantially all of her duties under this Agreement because
                  of illness, accident or other disability (collectively
                  referred to as "Disability"), and the Disability continues
                  for more than three (3) consecutive months or an aggregate of
                  more than six (6) months during any twelve (12) month period,
                  then the Company may cause the Employee to be examined by a
                  doctor or doctors selected by the Company, and the Employee
                  will submit to all required examinations and will cooperate
                  fully with such doctor or doctors and, if requested to do so,
                  will make available to them her medical records. The
                  Employee's own doctor may be present.

                  (i)      If the examining doctor or doctors and the
                           Employee's own doctor determine that the Employee's
                           absence from work is medically necessary, the
                           Company will not suspend its obligations to the
                           Employee under this Agreement.

                  (ii)     If the examining doctor or doctors and the
                           Employee's own doctor determine that the Employee's
                           absence from work is not medically necessary, the
                           Company may suspend its obligations to the Employee
                           under Sections 4.1, 4.2 and 5 on or after the
                           expiration of said 3- or 6-month period until the
                           Company terminates such suspension as hereinafter
                           provided. The Company will terminate any such
                           suspension after the Disability has, in fact, ended
                           and after it has received written notice from the
                           Employee that the Disability has ended and that she
                           is ready, willing and able to perform fully her
                           services under this Agreement. Termination of such
                           suspension will be no later than one week after the
                           Company has received such notice from the Employee.
                           If any one or more periods of suspension continue
                           pursuant to the provisions of this Section for 3
                           consecutive months or 6 months in the aggregate,
                           then the Company may at any time prior to
                           termination of the then current period of
                           suspension, terminate the Employee's employment
                           hereunder.

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                  (iii)    If the examining doctor or doctors and the
                           Employee's doctor do not agree as to whether the
                           Employee's absence from work is medically necessary,
                           they shall consult with a third doctor whom they
                           choose by agreement, and whose determination as to
                           the medical necessity of Employee's absence shall be
                           final.

         7.3      Additional Grounds for and Methods of Termination.  In
                  addition to the methods of termination set forth in Sections
                  7.1 and 7.2 above, this Agreement may be terminated before
                  its normal expiration date by any of the following methods:

                  (i)      By Employee upon the giving of sixty (60) days
                           written notice to Company;

                  (ii)     By Company giving written notice to Employee for
                           cause, which said cause shall be limited to (a)
                           Employee's habitual intoxication or drug addiction;
                           (b) Employee's being finally convicted of a felony
                           involving moral turpitude; (iii) a final
                           adjudication by a Court of competent jurisdiction of
                           Employee being mentally "incapacitated," as that
                           term is defined in accordance with the statutes or
                           case law of the State of Florida; or (d) Employee's
                           substantial and material breach of any of the terms
                           of this Agreement including but not limited to
                           failure to improve poor performance or repeated
                           failure to satisfy company expectations.

         7.4      Severance.  If this Agreement is terminated pursuant to
                  Sections 7.1, 7.2 or 7.3, Employee shall only be entitled to
                  payment of any accrued salary and outstanding expense
                  reimbursement. If this Agreement is terminated for any other
                  reason, the Company shall pay as severance to the Employee
                  the compensation to which Employee would be entitled pursuant
                  to this Agreement had the Agreement not been terminated.

8.       RESULTS OF THE EMPLOYEE'S SERVICES.

         8.1      The Company will be entitled to and will own all the results
                  and proceeds of the Employee's services under this Agreement,
                  including, without limitation, all rights throughout the
                  world to any copyright, patent, trademark or other right and
                  to all ideas, inventions, products, programs, procedures,
                  formats and other materials of any kind created or developed
                  or worked on by the Employee during and as a result of her
                  employment by the Company; the same shall be the sole and
                  exclusive property of the Company; and the Employee will not
                  have any right, title or interest of any nature or kind
                  therein. Without limiting the foregoing, it will be presumed
                  that any copyright, patent, trademark or other right and any
                  idea, invention, product, program, procedure, format or
                  material created, developed or worked on by the Employee at
                  any time during the term of, and as a result of, her
                  employment will be a result or proceed of the Employee's
                  services under this Agreement. The Employee will take such
                  action and execute such documents as

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                  the Company may request to warrant and confirm the Company's
                  title to ownership of all such results and proceeds and to
                  transfer and assign to the Company any rights which the
                  Employee may have therein. The Employee's right to any
                  compensation or other amounts under this Agreement will not
                  constitute a lien on any results or proceeds of the Employee's
                  services under this Agreement.

         8.2      The Employee acknowledges that the violation of any of the
                  provisions of Section 8.1 will cause irreparable loss and harm
                  to the Company which cannot be reasonably or adequately
                  compensated by damages in an action at law, and, accordingly,
                  that the Company will be entitled to injunctive and other
                  equitable relief to enforce the provisions of that Section;
                  but no action for any such relief shall be deemed to waive the
                  right of the Company to an action for damages.

9.       USE OF EMPLOYEE'S NAME, ETC.  The Company is hereby granted the sole
         and exclusive right during the term of her employment to make use of
         and to permit others to make use of the Employee's name, pictures,
         photographs, and other likenesses, and voice, in connection with the
         advertising, publicity and exploitation of any products, or in
         connection with the use or implementation of any of the Employee's
         services hereunder or the proceeds thereof. This right shall cease
         after termination of this Agreement by either party. In no event,
         however, shall the Employee, directly or indirectly, be represented as
         endorsing any product of commodity without the Employee's written
         consent.

10.      UNIQUENESS OF SERVICES.  The Employee acknowledges that her services
         hereunder are of a special, unique, unusual, extraordinary and
         intellectual character, the loss of which cannot be reasonably or
         adequately compensated by damages in an action at law. Accordingly, the
         Company will be entitled to injunctive and other equitable relief to
         prevent or cure any breach or threatened breach of this Agreement by
         the Employee, but no action for any such relief shall be deemed to
         waive the right of the Company to an action for damages.

11.      NEGATIVE COVENANTS

         11.1     The Employee will not, during or after the term of this
                  Agreement, disclose to any third person or use or take any
                  personal advantage of any confidential information or any
                  trade secret of any kind or nature obtained by her during the
                  term hereof or during her employment.

         11.2     To the full extent permitted by law, the Employee will not for
                  a period of six months following the termination of her
                  employment with the Company:

                  (i)      attempt to cause any person, firm or corporation
                           which is a customer of or has a contractual
                           relationship with the Company at the time of the
                           termination of her employment to terminate such
                           relationship with the

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                           Company, and this provision shall apply regardless of
                           whether such customer has a valid contractual
                           arrangement with the Company;

                  (ii)     attempt to cause any employee of the Company to leave
                           such employment;

                  (iii)    engage any person who was an employee of the Company
                           at the time of the termination of her employment or
                           cause such person otherwise to become associated with
                           the Employee or with any other person, corporation,
                           partnership or other entity with which the Employee
                           may thereafter become associated;

                  (iv)     engage in any activity or perform any services
                           competitive with any business conducted by the
                           Company at the time of such termination.

                  The provisions of this Section 11.2 will not apply if the
                  Employer wrongfully terminates the Employee's employment or if
                  the Employee properly terminates her employment for cause.

         11.3     The Employee acknowledges that the violation of any of the
                  provisions of this Section 11 will cause irreparable loss and
                  harm to the Company which cannot be reasonably or adequately
                  compensated by damages in an action at law, and, accordingly,
                  that the Company will be entitled to injunctive and other
                  equitable relief to prevent or cure any breach or threatened
                  breach thereof, but no action for any such relief shall be
                  deemed to waive the right of the Company to an action for
                  damages.

12.      GOVERNING LAW; REMEDIES

         12.1     This Agreement has been executed in the State of Florida and
                  shall be governed by and construed in all respects in
                  accordance with the law of the State of Florida.

         12.2     Except as otherwise expressly provided in this Agreement, any
                  dispute or claim arising under or with respect to this
                  Agreement will be resolved by arbitration in Tampa, Florida,
                  in accordance with the National Rules for the resolution of
                  Employment Disputes of the American Arbitration Association
                  before a panel of three (3) arbitrators, one appointed by the
                  Employee, one appointed by the Company, and the third
                  appointed by said Association. The decision or award of a
                  majority of the arbitrators shall be final and binding upon
                  the parties. Any arbitral award may be entered as a judgment
                  or order in any court of competent jurisdiction.

         12.3     Notwithstanding the provisions for arbitration contained in
                  this Agreement, the Company will be entitled to injunctive and
                  other equitable relief from the courts as provided in Section
                  8.2, 11 and 12.3 and as the courts may otherwise determine
                  appropriate; and the Employee agrees that it will not be a
                  defense to any request for such relief that the Company has an
                  adequate remedy at law. For purposes of

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                  any such proceeding the Company and the Employee submit to
                  the non-exclusive jurisdiction of the courts of the State of
                  Florida and of the United States located in the County of
                  Pinellas, State of Florida, and each agrees not to raise and
                  waives any objection to or defense based on the venue of any
                  such court of forum non conveniens.

        12.4      A court of competent jurisdiction, if it determines any
                  provision of this Agreement to be unreasonably in scope, time
                  or geography, is hereby authorized by the Employee and the
                  Company to enforce the same in such narrower scope, shorter
                  time or lesser geography as such court determines to be
                  reasonable and proper under all the circumstances.

        12.5      The Company and the Employee will also have such other legal
                  remedies as may be appropriate under the circumstances
                  including, inter alia, recovery of damages occasioned by a
                  breach. The rights and remedies of the Company and the
                  Employee are cumulative and the exercise or enforcement of
                  any one or more of them will not preclude the Company or the
                  Employee from exercising or enforcing any other right or
                  remedy.

13.   INDEMNITY.  To the extent permitted by law, the Company will indemnify
      the Employee against any claim or liability and will hold the Employee
      harmless from and pay any expenses (including, without limitation, legal
      fees and court costs), judgments, fines, penalties, settlements and other
      amounts arising out of or in connection with any act or omission of the
      Employee performed or made in good faith on behalf of the Company pursuant
      to this Agreement, regardless of negligence. The Company will not be
      obligated to pay the Employee's legal fees and related charges of counsel
      during any period that the Company furnishes, at its expense, counsel to
      defend the Employee; but any counsel furnished by the Company must be
      reasonably satisfactory to the Employee. The foregoing provisions will
      survive termination of the Employee's employment with the Company for any
      reason whatsoever and regardless of fault.

14.   SEVERABILITY OF PROVISIONS.  If any provision of this Agreement or the
      application of any such provision to any person or circumstance is held
      invalid, the remainder of this Agreement, and the application of such
      provision other than to the extent it is held invalid, will not be
      invalidated or affected thereby.

15.   WAIVER.  No failure by the Company or the Employee to insist upon the
      strict performance of any term or condition of this Agreement or to
      exercise any right or remedy available to it will constitute a waiver. No
      breach or default of any provision of this Agreement will be waived,
      altered or modified. The Company may not waive any of its rights, except
      by a written instrument executed by the Company; the Employee may not
      waive any of her rights, except by a written instrument executed by the
      Employee. No waiver of any breach or default will affect or alter any term
      or condition of this Agreement, and such term or condition will continue
      in full force and effect with respect to any other then existing or
      subsequent breach or default thereof.

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16.      MISCELLANEOUS.

         16.1     This Agreement may be amended only by an instrument in writing
                  signed by the Company and the Employee.

         16.2     This Agreement shall be binding upon the parties and their
                  respective successors and assigns. The Company may, without
                  the Employee's consent, transfer or assign any of its rights
                  and obligations under this Agreement to any corporation which,
                  directly or indirectly, controls or is controlled by the
                  Company or is under common control with the Company or to any
                  corporation succeeding to all or a substantial portion of the
                  Company's business and assets, provided that the Company shall
                  not be released from any of its obligations under this
                  Agreement, and provided further that any such transferee or
                  assignee agrees in writing to assume all the obligations of
                  the Company hereunder. Control means the power to elect a
                  majority of the directors of a corporation or in any other
                  manner to control or determine the management of a
                  corporation. Except as provided above, neither the Company nor
                  the Employee may, without the other's prior written consent,
                  transfer or assign any of its or her rights or obligations
                  under this Agreement, and any such transfer or assignment or
                  attempt thereat without such consent shall be null and void.

         16.3     All notices under or in connection with this Agreement shall
                  be in writing and may be delivered personally or sent by mail,
                  courier, fax, or other written means of communication to the
                  parties at their addresses and fax numbers set forth below or
                  to such other addresses and fax numbers as to which notice is
                  given:

                                        (a) if to the Company:

                                         Richard Pollara
                                         President
                                         United States Telecommunications, Inc.
                                         5251 110th Avenue North
                                         Suite 118
                                         Clearwater, FL 33760

                                         (b) if to the Employee:

                                          Robin Caldwell
                                          1522 Gulf Boulevard
                                          Indian Rock Beach, FL 33785

                  Notice will be deemed given on receipt.

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         16.4     Section headings are for purposes of convenient reference
                  only and will not affect the meaning or interpretation of any
                  provision of this Agreement.

         16.5     This Agreement constitutes the entire agreement of the parties
                  and supersedes any and all prior agreements or understandings
                  between them.

         16.6     The Employee has reviewed this Agreement with counsel of her
                  choice, and has not signed this Agreement under coercion,
                  force or duress.

         16.7     The prevailing party in any dispute arising between the
                  Company and the Employee under this Agreement shall be
                  entitled to an award of reasonable attorney fees.

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

                                             By: /s/ Joseph Thacker
                                                 ------------------------------
                                                 Joseph Thacker
                                                 Board of Directors

                                                 /s/ Richard Pollara
                                                 ------------------------------
                                                 President

                                                 /s/ Robin Caldwell
                                                 ------------------------------
                                                 Robin Caldwell

                                       9<PAGE>   1

                                   AGREEMENT

         The parties set forth below, evidenced by their signatures affixed
hereto, do hereby agree as follows:

         1.  The Board of Directors of United States Telecommunications, Inc.
shall be configured as follows:

                  A. Reuben Pat Ballis

                  B. Paul Gregory

                  C. Aaron Grunfeld

                  D. Sam Dean

                  E. Richard Pollara or his assign

         Said Board shall remain in power for at least eleven (11) months.

         In the event, that Aaron Grunfeld does not accept his appointment to
the Board of Directors of United States Telecommunications, Inc., Richard
Pollara shall nominate and Richard Inzer shall have a first right of refusal
regarding the appointment of any prospective replacement Board member.

         2.  That certain I-NEX Consulting Group Agreement, a copy of which is
attached hereto as Exhibit A, shall be executed by the appropriate corporate
authorities.

         3.  That certain Law Suit titled United States Telecommunications, Inc.
Plaintiff v. Stephen Henderson et al. Defendant case No. 99 CA-010079, shall
upon execution of this agreement be immediately dismissed. A copy of the caption
page is attached hereto as Exhibit B.

         4.  Those certain United States Telecommunications Promissory Notes
made to the order of Richard Pollara in the approximate amount of Four Hundred
Sixty Thousand ($460,000) Dollars, copies of which are attached hereto as
Exhibit C, shall remain uncollected/unpaid until approximately January 2, 2000.
On or about January 2, 2000, Mr. Richard Pollara shall abandon and/or completely
release United States Telecommunications from any actual obligations with
respect to said notes.

         5.  All shares of United States Telecommunications, Inc. previously
issued to Prime Equities Group, Inc., Richard Inzer and/or his assigns shall be
deemed
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recognized by United States Telecommunications, Inc. as valid and properly
issued.

         6.       United States Telecommunications, Inc. shall immediately
issue to Prime Equities Group, Inc., or its assigns eighty-five thousand
(85,000) shares pursuant to the Agreement attached hereto as Exhibit D.

         7.       Seven thousand, five hundred ($7,500) Dollars shall be
immediately returned to R.L. Inzer and Company, Ltd.

Facsimile signature shall be deemed as original for the purpose of this
document.

         This Agreement shall be governed by and construed and enforced in
accordance with and subject to the laws of the State of Florida.

Signed this 21 day of December, 1999 (year).

                                    By: /s/ CHARLES POLLEY
                                       ------------------------------
                                       Intercontinental Brokers, Inc.
                                       Director

By:                                 By: /s/ RICHARD POLLARA
   --------------------------          ------------------------------
   Prime Equities Group, Inc.          Quantum Law, Inc.

Addendum:

         1.       The parties to this agreement will take all reasonable
measures to make sure the provisions are complied with.

         2.       The Board of Directors shall determine no later than January
10, 2000 where the books and records of the Corporation shall reside.

         3.       Richard Pollara and Sam Dean shall immediately reappoint Pat
Ballis and Paul Gregory to the Board of Directors and offer such position to
Aaron Grunfeld.

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