Document:

EXHIBIT 10.19
                                 MARIO F. ROSSI
                               22 SPLIT ROCK ROAD
                           TRUMBULL, CONNECTICUT 06611

December 31, 1999

SmartServ Online, Inc.
One Station Place
Stamford, Connecticut 06902

Gentlemen:

For good and valuable  consideration which is hereby  acknowledged,  I, Mario F.
Rossi,  agree to amend a certain  Restricted  Stock  Purchase  Agreement,  dated
December  28, 1998  between  myself and  SmartServ  Online,  Inc. to convert the
interest  portion of the note  obligation  thereunder for the payment of 206,080
shares of restricted  common stock from a non-recourse  obligation to a recourse
obligation.

Accordingly,  the  Promissory  Note  dated  December  29,  1998 in the amount of
$453,376.00 shall be cancelled and a new note in the amount of $152,499.20 shall
be executed.

Mario F. Rossi

---------------------------EXHIBIT 10.20

                                 PROMISSORY NOTE

Stamford, Connecticut
January 4, 2000

$152,499.20

         FOR VALUE RECEIVED, Mario F. Rossi promises to pay to SmartServ Online,
Inc., a Delaware corporation (the "Company"), or order, the principal sum of One
Hundred  Fifty-Two  Thousand Four Hundred  Ninety-Nine  Dollars and Twenty Cents
($152,499.20),  together with interest on the unpaid  principal  hereof from the
date  hereof at the rate of 7.5%  [such  interest  equal to one point  below the
prime  rate  as of the  date of  this  Note]  per  annum,  compounded  annually.
Notwithstanding the foregoing, the principal amount of the Note shall be subject
to an automatic  reduction to the principal  amount pursuant to the terms of the
Purchase Agreement (as defined below).

         This Note shall be due and  payable in full on  December  29, 2003 (the
"Due Date"),  unless  accelerated as provided  herein.  Upon the  termination of
employment  of Mario F.  Rossi from the  Company  for  Cause,  the whole  unpaid
balance on this Note of principal and interest shall become  immediately  due at
the  option  of the  holder  of this  Note.  In the event  that  Mario F.  Rossi
terminates  his  employment  with the Company for Good Reason,  the whole unpaid
balance on this Note of principal and interest shall be due and payable upon the
earlier of the Due Date or six (6) months from the Date of Termination. Payments
of principal and interest  shall be made in lawful money of the United States of
America.

         The  undersigned  may at any time  prepay  without  penalty  all or any
portion of the principal owing hereunder.

         This Note is  subject  to the terms of that  certain  Restricted  Stock
Purchase  Agreement  by and between the Company and Mario F. Rossi,  dated as of
December 29, 1998, as amended (the "Purchase  Agreement") and capitalized  terms
used herein which are not otherwise  defined shall have the meanings ascribed to
them in the Purchase Agreement or in an employment agreement between the Company
and Mario F.  Rossi,  dated as of  January  1,  1999.  This Note is secured by a
pledge of the Company's Common Stock under the terms of a Security  Agreement of
even  date  herewith  (the  "Security  Agreement")  and is  subject  to all  the
provisions thereof.

         This Note is  intended  to  evidence  a  non-recourse  obligation  with
respect to the principal  hereof to secure the purchase of the Company's  Common
Stock  pursuant  to the  Purchase  Agreement.  Accordingly,  this Note  shall be
without  recourse  with respect to the  principal  against Mario F. Rossi and no
person  entitled  to payment  under this Note shall have any right to his assets
other than the collateral given for this Note and earnings  attributable to such
collateral or the investment of such collateral, if any. The obligation to repay
interest pursuant to the terms of this Note shall be a recourse obligation.

         This Note shall be governed and construed in  accordance  with the laws
of the State of Connecticut.

-------------------------
Mario F. RossiEXHIBIT 10.21

                               SECURITY AGREEMENT

          This  Security  Agreement  is  made  as of  January  4,  2000  between
SmartServ Online, Inc., a Delaware corporation  ("Pledgee"),  and Mario F. Rossi
("Pledgor").

Recitals

         Pursuant to  Pledgor's  purchase of Stock  under the  Restricted  Stock
Purchase  Agreement  dated December 28, 1998,  between  Pledgor and Pledgee (the
"Purchase  Agreement"),  and  Pledgor's  election to pay for such Stock with his
promissory note (the "Note"),  Pledgor has purchased 206,080 shares of Pledgee's
Common Stock (the "Shares") at a price of $0.75 per share,  for a total purchase
price of $154,560.00.

         NOW, THEREFORE, it is agreed as follows:

          1. Creation and Description of Security Interest.  In consideration of
the  transfer of the Shares to Pledgor  under the Purchase  Agreement,  Pledgor,
pursuant to the Connecticut  Uniform Commercial Code, hereby pledges all of such
Shares  (herein  sometimes  referred  to as  the  "Collateral")  represented  by
certificate number ______, duly endorsed in blank or with executed stock powers,
and herewith  delivers  said  certificate  to the  Pledgee,  who shall hold said
certificate subject to the terms and conditions of this Security Agreement.

         The pledged  stock  shall be held by the  Pledgee as  security  for the
repayment  of the Note,  and the Pledgee  shall not  encumber or dispose of such
Shares except in accordance with the provisions of this Security Agreement.

          2. Pledgor's Representations and Covenants. To induce Pledgee to enter
into this Security Agreement,  Pledgor represents and covenants to Pledgee,  its
successors and assigns, as follows:

               a. Payment of Indebtedness. Pledgor will pay the principal sum of
the Note secured hereby,  together with interest thereon, at the time and in the
manner provided in the Note.

               b. Encumbrances.  The Shares are free of all other  encumbrances,
defenses and liens, and Pledgor will not further encumber the Shares without the
prior written consent of Pledgee.

          3.  Voting  Rights.  During the term of this pledge and so long as all
payments of  principal  and interest are made as they become due under the terms
of the Note,  Pledgor  shall  have the right to vote all of the  Shares  pledged
hereunder.

         4. Stock  Adjustments.  In the event that during the term of the pledge
any stock dividend, reclassification, readjustment or other changes are declared
or made in the capital structure of Pledgee, all new, substituted and additional
shares  or  other  securities  issued  by  reason  of any such  change  shall be
delivered to and held by the Pledgee under the terms of this Security  Agreement
in the same manner as the Shares originally pledged  hereunder.  In the event of
substitution  of such securities the Pledgor and the Pledgee shall cooperate and
execute such documents as are  reasonable so as to provide for the  substitution

<PAGE>

of such Collateral and, upon such  substitution,  references to "Shares" in this
Security Agreement shall include the substituted shares or other securities as a
result thereof.

         5.  Options  and  Rights.  In the event  that,  during the term of this
pledge,  subscription  options  or other  rights or  options  shall be issued in
connection  with the  pledged  Shares,  such  rights  and  options  shall be the
property  of  Pledgor  and,  if  exercised  by  Pledgor,  all new stock or other
securities so acquired by Pledgor as it relates to the pledged  Shares then held
by Pledgee shall be immediately delivered to Pledgee, to be held under the terms
of this Security Agreement in the same manner as the Shares pledged.

          6.  Default.  Pledgor shall be deemed to be in default of the Note and
of this Security Agreement in the event:

               a.             Payment of principal or interest on the Note shall
                              be delinquent for a period of 10 days or more; or

               b.             Pledgor  fails to perform any of the covenants set
                              forth in the Restricted  Stock Purchase  Agreement
                              or  contained  in this  Security  Agreement  for a
                              period of 10 days  after  written  notice  thereof
                              from Pledgee.

In the case of an event of Default,  as set forth above,  Pledgee shall have the
right to  accelerate  payment of the Note upon  notice to  Pledgor,  and Pledgee
shall  thereafter  be  entitled  to pursue its  remedies  under the  Connecticut
Uniform Commercial Code.

         7. Release of  Collateral.  There shall be released  from this pledge a
portion of the pledged  Shares held by Pledgee  hereunder  upon  payments of the
principal of the Note.  The number of the pledged Shares which shall be released
shall be that  number of full  Shares  which  bears the same  proportion  to the
initial number of Shares pledged  hereunder as the payment of principal bears to
the initial full  principal  amount (or in the event that the initial  principal
amount on the Note has been  adjusted  pursuant  to  Section  1 of that  certain
Restricted  Stock  Purchase  Agreement  by and  between the Company and Mario F.
Rossi, dated as of December 29, 1998, as amended (the "Purchase Agreement"), the
Adjusted Principal Amount) of the Note.

          8. Withdrawal or  Substitution of Collateral.  Pledgor shall not sell,
withdraw,  pledge,  substitute  or  otherwise  dispose of all or any part of the
Collateral without the prior written consent of Pledgee.

          9. Term.  The within pledge of Shares shall continue until the payment
of all indebtedness  secured hereby,  at which time the remaining  pledged stock
shall be promptly  delivered  to Pledgor,  subject to the  provisions  for prior
release of a portion of the Collateral as provided in paragraph 7 above.

          10.  Insolvency.  Pledgor  agrees that if a bankruptcy  or  insolvency
proceeding  is  instituted  by or against him, or if a receiver is appointed for
the property of Pledgor,  or if Pledgor makes an  assignment  for the benefit of
creditors, the entire amount unpaid on the Note shall become immediately due and
payable, and Pledgee may proceed as provided in the case of default.

          11.  Invalidity  of Particular  Provisions.  Pledgor and Pledgee agree
that the  enforceability  or  invalidity  of any provision or provisions of this
Security  Agreement  shall not render any other  provision or provisions  herein
contained unenforceable or invalid.

          12.  Successors or Assigns.  Pledgor and Pledgee agree that all of the
terms of this Security Agreement shall be binding on their respective successors
and assigns,  and that the term  "Pledgor" and

                                      -2-

<PAGE>

the  term  "Pledgee"  as used  herein  shall  be  deemed  to  include,  for all
purposes,  their respective designees, successors, assigns, heirs, executors and
administrators.

          13.  Governing Law. This Security  Agreement  shall be interpreted and
governed  under  the laws of the  State of  Connecticut  without  regard  to its
conflict of laws provisions.

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

"PLEDGOR"
Mario F. Rossi

-----------------------

22 Split Rock Road
Trumbull, Connecticut 06611

"PLEDGEE"

SMARTSERV ONLINE, INC.
a Delaware corporation

--------------------------
Thomas W. Haller
Chief Financial Officer

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