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                                                                  EXHIBIT 10(jj)

                                February 4, 2000

Mr. Andrew Balbirer
4112 Three Lakes Drive
Long Grove, IL  60047

Dear Andy:

         This letter amends the February 1, 2000 offer letter you received from
us and includes the changes we agreed to.

         You will be employed as Chief Financial Officer reporting to Joe
Durrett. Your base salary will be $325,000 per year, your next review date will
be May 1, 2001, and annually each May thereafter. Your initial annual bonus
target will be 40% of your base salary paid (there will be no pro-ration), and
your final bonus will be based on IRI's and your personal performance. For 2000,
we will guarantee you a minimum bonus payout of $70,000.

         You will enjoy all employee benefits and perquisites available
generally to the other senior executive officers of the Company. This includes
IRI's flexible benefits program which consists of health and welfare plans, life
insurance, disability, 401(k) plan, holidays, personal leave, sick leave and
vacation allowance (four weeks vacation per year), and IRI's new Executive
Deferred Compensation Program.

         On your start date, the Company will grant you 175,000 options under
its Executive Stock Option Plan, to be evidenced by the Company's customary form
of stock option agreement. For these 175,000 options, one-third will vest after
two years of service and then another third after each anniversary of the
starting date of your employment. You will also be eligible based on
performance, additional annual stock option grants with approval from IRI's
Compensation Committee. In addition, we will grant you 50,000 shares of
restricted stock under our non-qualified defined contribution plan and trust.
There is a cliff vesting period of four (4) years on the restricted stock.
Enclosed is a copy of the restricted stock plan document for your review.

         Should a "change of control" (defined as the sale of the Company,
whether by merger or otherwise, or the acquisition of more than 25% of the
company's common stock by an acquirer, or group acting in concert) occur during
your employment, the following will apply. If a change in control occurs, all
your unvested options will immediately vest. You will have one year from your
termination date to exercise your stock options.

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Mr. Andrew Balbirer
February 4, 2000
Page 2

         Upon starting with the Company, you will be expected to execute a
customary noncompetition and confidentiality agreement (attached). Should your
employment be terminated (including a reduction in responsibility) for any
reason other than for cause, death or your voluntary resignation (except in case
of resignation within one year following a change in control), you will continue
for the next twelve months to receive all benefits including your base salary
then in effect. In the case of your death, your estate will receive 12 months of
severance and benefit continuation in accordance with IRI policies. Again, if
your employment terminates for cause or your voluntary resignation (except for
change of control as stated above) you will receive no severance benefits.

         Our offer of employment is contingent upon approval by the Executive
Committee of the IRI Board of Directors.

         Andy, we are excited about you accepting our offer and joining our
team. We know you will make a difference for IRI, and believe we will offer you
the challenges and career opportunities you desire. On behalf of the Company and
our entire senior management team, we are looking forward to your joining IRI
and our team.

                                 Sincerely,

                                 Gary S. Newman
                                 Executive Vice President, Human Resources

Accepted this     day of       , 2000
             -----       ------

-----------------------------------------
               Andy Balbirer

cc:   Joe Durrett<PAGE>   1
                                                                    EXHIBIT 10.9

                      FOURTH AMENDMENT TO CREDIT AGREEMENT

         This Amendment ("Amendment") is made as of the 26th day of January,
1999, by and between Electronic Tele-Communications, Inc. (the Borrower") and
Bank One, Wisconsin (the "Bank").

         WHEREAS, the Borrower and the Bank entered into a Credit Agreement,
dated May 17, 1989, as amended (the "Credit Agreement"); and

         WHEREAS, the parties hereto desire to amend the Credit Agreement as set
forth below:

         NOW, THEREFORE, the parties hereto agree as follows:

         1. Capitalized terms not defined herein shall have the meaning ascribed
in the Credit Agreement.

         2. Section 6.8 The Section bearing the heading Consolidated Tangible
Net Worth of the Credit Agreement is hereby amended and restated in its entirely
to read as follows: Permit Consolidated Tangible Net Worth at any time during
the following periods to be less than the following amounts:

                  Period                                            Amount
                  ------                                            ------
           at December 31, 1998, and until December 31, 1999      $4,787,000.00
           at December 3,1 1999, and thereafter                   $5,000,000.00

                  Notwithstanding the foregoing, if (a) ETC repurchases its
Class A common stock in the fiscal year 1999 for an amount not to exceed
$1,000,000.00, the Consolidated Tangible Net Worth covenant shall thereafter be
decreased by the amount of such repurchase price, up to a maximum of
$1000,000.00, subject to the condition that ETC has a positive net income
computed on a fiscal year-to-date basis as of the last day of the month
immediately proceeding the month in which such repurchase occurs; provided,
however, that notwithstanding anything to the contrary contained in this
subsection ETC shall be required to maintain a minimum Consolidated Tangible Net
Worth of $5,000,000.00 at December 31, 1999, and at all times thereafter; and if
(b) ETC pays a dividend of up to $.06 per share to ETC's Class A shareholders in
fiscal year 1999, the Consolidated Tangible Net Worth covenant shall therefore
be decreased by the aggregate amount of such dividend subject to the condition
that ETC has a positive net income computed on a fiscal year-to date basis as of
the last day of the month prior to the month in which such dividend is declared,
provided, however, that notwithstanding anything to the contrary contained in
this subsection. ETC shall be required to maintain a minimum Consolidated
Tangible Net Worth of $5,000,000.00 at December 31, 1999, and at all times
thereafter.

         3. The Borrower represents and warrants that (a) the representations
and warranties contained in the Credit Agreement are true and correct in all
material respects as of the date of this Amendment, (b) no condition, act or
event which could constitute an Event of Default under the Credit Agreement
exists, and (c) no condition, event, act or omission has occurred, which, with
the giving of notice or passage of time, would constitute an event of Default
under the Credit Agreement.

         4. The Borrower agrees to pay all fees and out-of-pocket disbursements
incurred by the Bank in connection with this Amendment, including legal fees
incurred by the Bank in the preparation, consummation, administration and
enforcement of this Amendment.

         5. This Amendment shall become effective only after it is fully
executed by the Borrower and the Bank and the Bank shall have received from the
Borrower the following documents: Except as amended by this Amendment, the
Credit Agreement shall remain in full force and effect in accordance with its
terms.

         6. This Amendment is a modification only and not a novation. Except for
the above-quoted modifications(s), the Credit Agreement, any agreement of
security document, and all the terms and conditions thereof, shall be and remain
in full force and effect with the changes herein deemed to be incorporated
therein. This Amendment is to be considered attached to the Credit Agreement and
made a part thereof. This Amendment shall not release of affect the liability of
any guarantor, surety or endorser of the Credit Agreement or release any owner
of collateral securing the Credit Agreement. The validity, priority and
enforceability of the Credit Agreement shall not be impaired hereby. To the
extent that any provision of this Amendment conflicts with any term or condition
set forth in the Credit Agreement, or any agreement of

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security document executed in conjunction therewith, the provisions of this
Amendment shall supersede and control. Borrower acknowledges that as of the date
of this Amendment it has no offsets with respect to all amounts owed by borrower
to Bank and Borrower waives and releases all claims which it may have against
Bank arising under the Credit Agreement on or prior to the date of Amendment.

         7. The Borrower acknowledges and agrees that this Amendment is limited
to the terms outlined above, and shall not be construed as an amendment of any
other terms or provisions of the Credit Agreement; The Borrower hereby
specifically ratifies and affirms the terms and provisions of the Credit
Agreement. Borrower releases Bank from any and all claims which may have arisen,
known or unknown, in connection with the Credit Agreement on or prior to the
date hereof. This Amendment shall not establish a course of dealing or be
construed as evidence of any willingness on the Bank's part to grant other or
future amendments, should any be requested.

         IN WITNESS WHEREOF, the parties have entered into this Amendment as of
the day and year first above written.

BANK ONE, WISCONSIN                         ELECTRONIC TELE-COMMUNICATIONS, INC.

By: /s/ Terry R. Sutter                     By: /s/ Dean W. Danner
   -------------------------------------       ---------------------------------
   Terry R. Sutter, Vice President             Dean W. Danner, President

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