Document:

Exhibit 10.17

Prepared By and Return To:

Troy M. Lovell
Foley & Lardner
P.O. Box 3391
Tampa, Florida  33602

          THIS MORTGAGE MODIFICATION AGREEMENT MODIFIES A MORTGAGE
          WHICH WAS RECORDED AT OR BOOK 1416, PAGE 5745, AND MODIFIED
          BY INSTRUMENTS RECORDED AT OR BOOK 1425, PAGE 6814; OR BOOK
          1435, PAGE 4456; OR 1435, PAGE 4451; AND OR BOOK 1468, PAGE
          2483. DOCUMENTARY STAMP TAXES AND INTANGIBLES TAXES WERE
          PAID AT THE TIME OF RECORDING THE MORTGAGE AND PRIOR
          MODIFICATIONS THERETO. NO NEW INDEBTEDNESS IS EVIDENCED BY
          THIS MORTGAGE MODIFICATION AGREEMENT.

                         MORTGAGE MODIFICATION AGREEMENT

      THIS MORTGAGE MODIFICATION AGREEMENT ("Agreement") is made this 12th day
of April, 2000, by and between Elcotel, Inc., a Delaware corporation
("Borrower"), whose address is 6428 Parkland Drive, Sarasota, Florida 34243, and
Bank of America, N.A., d/b/a NationsBank, N.A., successor to NationsBank, N.A.,
f/k/a NationsBank, N.A. (South), as successor in interest to NationsBank of
Florida, N.A. ("Lender"), whose address is 100 North Tampa, Suite 1700, Tampa,
Florida 33602.

                                    RECITALS

      WHEREAS, Borrower is indebted to Lender pursuant to a Consolidated
Promissory Note dated November 25, 1997, in the original principal amount of
$1,920,000 (the "Note");

      WHEREAS, the Note is secured by a Mortgage (the "Mortgage") by Borrower,
originally in favor of Carl G. Santangelo, as Trustee encumbering certain real
property located in Manatee County, Florida, as more particularly described on
Exhibit A (the "Mortgaged Property") recorded in Official Records Book 1416,

                                      -1-
<PAGE>

beginning at Page 5745, which was assigned to the Bank by an assignment recorded
in Official Records Book 1435, beginning at Page 4451, and which was modified by
instruments recorded in Official Records Book 1425, beginning at Page 6814,
Officual Records Book 1435, beginning at Page 4456, and Official Records Book
1468, beginning at Page 2483, all of the public records of Manatee County,
Florida; and,

      WHEREAS, Borrower and Lender have entered into a Forbearance and
Modification Agreement (the "Modification Agreement") of even date herewith
which modifies the terms of the Note and the Mortgage.

                                    AGREEMENT

      NOW, THEREFORE, in consideration of the mutual covenants contained herein
and in the Modification Agreement, and other good and valuable consideration,
the receipt and sufficiency of which is hereby acknowledged, Borrower and Lender
agree as follows:

      1.    RECITALS. The foregoing recitals are true and correct and
            incorporated herein by reference.

      2.    MODIFICATION AGREEMENT. The terms and conditions of the Modification
            Agreement are hereby incorporated herein by reference.

      3.    NO WAIVER OF REMEDIES. Nothing contained herein shall be deemed a
            waiver of any of Lender's rights or remedies under the Loan
            Documents.

      4.    RATIFICATION. Except as expressly modified by the terms and
            provisions hereof, each of the terms and provisions of the Mortgage
            are hereby ratified and shall remain in full force and effect,
            notwithstanding any language to the contrary contained in any prior
            document, including but not limited to those documents recorded in
            Official Records Book 1537, beginning at Page 2933, and Official
            Records Book 2666, beginning at Page 1135, of the Public Records of
            Manatee County, Florida.

      5.    GOVERNING LAW. THE TERMS AND PROVISIONS HEREOF SHALL BE GOVERNED BY
            AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF FLORIDA,
            EXCEPT AS OTHERWISE EXPRESSLY PROVIDED HEREIN.

      6.    WAIVER OF JURY TRIAL. BORROWER AND LENDER HEREBY KNOWINGLY,
            VOLUNTARILY AND INTENTIONALLY WAIVE THE RIGHT EITHER MAY HAVE TO A
            TRIAL BY JURY IN RESPECT OF ANY LITIGATION BASED HEREON OR ARISING
            OUT OF,

                                      -2-
<PAGE>

            UNDER OR IN CONNECTION WITH THIS AGREEMENT AND ANY OF THE LOAN
            DOCUMENTS, OR ANY COURSE OF CONDUCT, COURSE OF DEALING, STATEMENTS
            (WHETHER VERBAL OR WRITTEN) OR ACTIONS OF EITHER PARTY.

      7.    BINDING AGREEMENT. This Agreement shall be binding upon the heirs,
            executors, administrators, personal representatives, successors and
            assigns of the parties hereto; provided, however, the foregoing
            shall not be deemed or construed to (i) permit, sanction, authorize
            or condone the assignment of all or any part of the Property or any
            of Borrower's rights, titles or interests in and to the Property,
            except as expressly authorized in the Loan Documents, or (ii) confer
            any right, title, benefit, cause of action or remedy upon any person
            or entity not a party hereto, which such party would not or did not
            otherwise possess.

      8.    COUNTERPARTS. To facilitate execution, this Agreement may be
            executed in as many counterparts as may be convenient or required.
            All counterparts shall collectively constitute a single instrument.
            It shall not be necessary in making proof of this Agreement to
            produce or account for more than a single counterpart containing the
            respective signatures and acknowledgment of, or on behalf of, each
            of the parties hereto.

      9.    NO ORAL AGREEMENTS.

            NOTICE: THIS DOCUMENT AND ALL OTHER DOCUMENTS RELATING TO THIS LOAN
            CONSTITUTE A WRITTEN LOAN AGREEMENT WHICH REPRESENTS THE FINAL
            AGREEMENT BETWEEN THE PARTIES AND MAY NOT BE CONTRADICTED BY
            EVIDENCE OF PRIOR, CONTEMPORANEOUS, OR SUBSEQUENT ORAL AGREEMENT OF
            THE PARTIES.

            THERE ARE NO ORAL AGREEMENTS BETWEEN THE PARTIES RELATING TO THE
            LOAN.

      IN WITNESS WHEREOF, the parties have executed this document as of the date
first above written.

WITNESSES

                                           ELCOTEL, INC., a Delaware corporation

________________________________
Print Name:_____________________

                                           By:  /s/ William H. Thompson
                                                --------------------------------

________________________________           Print Name:  William H. Thompson
Print Name:_____________________           Title:  Senior Vice President

                                      -3-
<PAGE>

                                           BANK OF AMERICA, N.A., d/b/a
                                           NationsBank, N.A.

________________________________
Print Name:_____________________

                                           By:__________________________________

________________________________           Print Name:__________________________
Print Name:_____________________           Title:_______________________________

STATE OF _______________________
COUNTY OF ______________________

      The foregoing Forbearance Agreement was acknowledged before me, the
undersigned authority, this ___ day of April, 2000, by
_______________________________ as ______________________________ of Elcotel,
Inc., a Delaware corporation, ___ who is personally known to me or ___ who
produced ____________________ as identification.

                                           _____________________________________
                                           Notary Public, State of _____________

                                           Print Name:__________________________
                                           My Commission Expires:_______________

                                           [SEAL]

STATE OF _______________________
COUNTY OF ______________________

      The foregoing Forbearance Agreement was acknowledged before me, the
undersigned authority, this ___ day of April, 2000, by ____________________ as
______________ of Bank of America, N.A. d/b/a NationsBank, N.A., ___ who is
personally known to me or ___ who produced ____________________ as
identification.

                                           _____________________________________
                                           Notary Public, State of _____________

                                           Print Name:__________________________
                                           My Commission Expires:_______________

                                           [SEAL]

                                      -4-
<PAGE>

                                    EXHIBIT A

                    Lots 9 and 10, PARKLAND CENTER, PHASE II,
                    according to the map or plat thereof as recorded
                    in Plat Book 22, Pages 77 through 79, of the
                    Public Records of Manatee County, Florida.

                                      -5-Exhibit 10.25

                                  Elcotel Inc.

             Employment Termination Agreement of Eduardo Gandarilla

This Termination  Agreement (this "Agreement") dated as of the 22nd day of March
2000 by and  between  Elcotel,  Inc.  (the  "Company")  and  Eduardo  Gandarilla
("Employee")  amends  the  Employment  Agreement  dated  as of the  10th  day of
December  1998  by  and  between  the  Company  and  Employee  (the  "Employment
Agreement") upon the following terms and conditions:

1.  Termination  Date:  The Company and Employee  hereby agree to terminate  the
Employment  Agreement  effective  as of the close of  business on the 2nd day of
April 2000 (the "Termination Date"). The Company agrees to provide Employee with
a letter of recommendation.

2.  Salary:  The Company  will pay to Employee  his salary  accrued but not paid
through the  Termination  Date and pay  Employee  his salary for a period of six
months (or 26 weeks) from the  Termination  Date.  The salary  payments shall be
based on a salary of One Hundred and Sixty Thousands Dollars ($160,000) per year
and a 52-week year and will be made on a bi-weekly basis.

3.  Benefits:  The  Company  will pay to  Employee  the cost of group  insurance
benefits  made  available  to the  Company's  senior  executives  to which COBRA
applies,  net  of  the  employee  contribution  paid  by  the  Company's  senior
executives,  for the six months ending September 30, 2000, as additional taxable
compensation. The benefit payments will be paid to Employee on a bi-weekly basis
based on the total net cost divided by 26 weeks.

4.  Direct  Deposit:  Salary and benefit  payments  pursuant to Sections 2 and 3
hereof  will be made  through a direct  deposit in the  following  Nations  Bank
account: Routing Number 540590106, Account Number 003430052505.

5. Incentive  Bonuses:  Employee hereby waives his rights to receive any further
incentive  bonuses  based  on  revenues,   personal  objectives  and  management
objectives  not paid to  Employee  as of the  Termination  Date and the  Company
hereby waives its rights to receive repayment of any incentive bonus recoverable
draws paid to Employee under the compensation structure between Employee and the
Company dated July 21, 1999.

6. Stock Options: All of Employee's vested employee stock options shall continue
in effect  for 30 days,  except  that (1) for all  options  that can be  amended
without  increasing  the  exercise  price in order to maintain  incentive  stock
option status for federal  income tax purposes,  shall  continue in effect until
the termination of such option in accordance  with its terms absent  termination
of employment and (2) for all options to which (1) does not apply, shall, if not
exercised within such 30 day period, be automatically extended until termination

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<PAGE>

of such option in accordance  with its terms absent  termination  of employment,
but in no event  shall any  option  remain in effect for more than one year from
the Termination Date.

7. Business  Expenses:  Employee will be reimbursed (in accordance  with Company
policy) for all expenses  incurred by him in the performance of his duties prior
the Termination Date.

8. Indemnification: Employee shall be indemnified by the Company with respect to
claims  made  against  him as an officer  and/or  employee of the Company to the
fullest extent permitted by the Company's certificate of incorporation,  by-laws
and the General Corporation Law of the State of Delaware.

9.  Proprietary  Information:  Unless  otherwise  expressly agreed by Company in
writing, any inventions,  ideas, reports,  discoveries,  developments,  designs,
improvements, inventions, formulas, processes, techniques, "know-how," data, and
other creative ideas  concerning the manufacture,  design,  marketing or sale of
pay phones (all of the  foregoing  to be hereafter  referred to as  "Proprietary
Information"),  whether or not  patentable  or  registrable  under  copyright or
similar  statutes,  generated by Employee either alone or jointly with others in
the  course  of his  employment  with the  Company  relating  or  useful  to the
manufacture,  design,  marketing or sale of pay phones by the Company,  shall be
the sole  property of the Company.  Employee  hereby  assigns to the Company any
rights that he may acquire or develop in such Proprietary Information.  Employee
shall  cooperate  with  the  Company  in  patenting  or  copyrighting  any  such
Proprietary Information,  shall execute any documents tendered by the Company to
evidence  its  ownership  thereof,  and  shall  cooperate  with the  Company  in
defending and enforcing its rights therein.  Employee's  obligations  under this
Section 9 to assist the Company in obtaining and enforcing patents,  copyrights,
and other rights and protections relating to such Proprietary Information in any
and all countries shall continue  beyond the termination of his employment.  The
Company  agrees to  compensate  Employee at a reasonable  rate for time actually
spent by Employee at the Company's  request on such assistance after termination
of  Employee's  employment  with  the  Company.  If  Company  is  unable,  after
reasonable  effort, to secure Employee's  signature on any document or documents
needed to apply for or prosecute any patent,  copyright,  or right or protection
relating to such  Proprietary  Information,  whether  because of the  Employee's
physical  or mental  incapacity  or for any other  reason  whatsoever,  Employee
hereby  irrevocably  designates and appoints the Company and its duly authorized
officers and agents as Employee's agent and attorney-in-fact,  to act for and on
his behalf to execute and file any such  application or  applications  and to do
all other  lawfully  permitted acts to further the  prosecution  and issuance of
patents,  copyrights,  or similar  protections thereon with the same legal force
and effect as if executed by Employee.

10. Covenants Not To Disclose Confidential Information:

      (a) Employee  agrees that he will not at any time or place for three years
after the Termination Date directly or indirectly disclose to any person or firm
other than Company or make,  use or sell any records,  ideas,  files,  drawings,
documents,   improvements,   equipment,  customer  lists,  sales  and  marketing
techniques  and devices,

                                       2
<PAGE>

formulas, specifications,  research, investigations,  developments,  inventions,
processes  and data,  and without  limiting  the  generality  of the  foregoing,
anything not within the public domain  (ideas in the process of being  disclosed
to  customers  shall not be  considered  in the  public  domain),  belonging  to
Company, whether or not patentable or copyrightable, other than for the sole and
exclusive  benefit of  Company,  without the prior  written  consent of Company.
Employee  agrees that for three years  after the  Termination  Date he will keep
confidential   from  persons  not  associated  with  the  Company  any  and  all
Proprietary Information,  special techniques,  and trade secrets of the Company.
Employee  agrees to  return to the  Company  prior to the  Termination  Date any
property  belonging  to it,  including  but not limited to any and all  records,
notes, drawings, specifications,  programs, data and other materials, and copies
thereof,  pertaining  to the  Company's  business  and  generated or received by
Employee in the course of his employment duties with the Company.

      (b)  Employee  agrees  that  during the  Restricted  Period (as defined in
Section  11) he will not  directly or  indirectly  entice or hire away or in any
other manner persuade an employee, consultant, dealer or customer of the Company
to discontinue that person's or firm's relationship with or to the Company as an
employee, consultant, dealer or customer, as the case may be.

      (c) Employee agrees that he will not, during Restricted Period (as defined
in Section 11), engage in any employment or business  activity in which it might
reasonably  be  expected  that  confidential  Proprietary  Information  or trade
secrets of Company  obtained by the Employee during the course of his employment
with the Company would be utilized.

      (d) The  Employee  recognizes  and agrees that his  violation of any terms
contained  in  paragraphs  (a),  (b),  or (c) of  this  Section  10  will  cause
irreparable  damage to the Company,  the amount of which will be  impossible  to
estimate or determine. Therefore, Employee further agrees that the Company shall
be entitled,  as a matter of course, to an injunction  restraining any violation
or  further  violation  of any such  covenant  or  covenants  by  Employee,  his
employees,  partners,  agents or  associates,  such right to an injunction to be
cumulative and in addition to any other remedies, at law or otherwise, which the
Company  might have.  The Company  hereby  waives any right to require a bond in
connection with obtaining such an injunction. Such covenants shall be severable,
and if the same shall be held invalid by reason of length of time, area covered,
or  activity  covered,  or any or all of them,  shall be  reduced  to the extent
necessary to cure such invalidity.

11. Covenant Not To Compete Unreasonably With Company:

Employee further covenants and agrees that:

      (a)  During  the  Restricted  Period,  Employee  shall not  undertake  any
employment or financial  involvement  with or  assistance  of any person,  firm,
association,  partnership,  corporation  or  enterprise  which is engaged in the
manufacture,  design, marketing or sale of pay phones. "Restricted Period" shall
mean the time period following the Termination Date during which the Employee is
entitled to receive salary and benefits.

                                       3
<PAGE>

      (b)  Employee  recognizes  and  agrees  that his  violation  of any  terms
contained in paragraph (a) of this Section 11 will cause  irreparable  damage to
the Company  the amount of which will be  impossible  to estimate or  determine.
Therefore,  Employee  further  agrees that the Company  shall be entitled,  as a
matter  of  course,  to an  injunction  restraining  any  violation  or  further
violation  of any  such  covenant  or  covenants  by  Employee,  his  employees,
partners, agents or associates, such right to an injunction to be cumulative and
in addition to any other remedies, at law or otherwise,  which the Company might
have. Such covenants  shall be severable,  and if the same shall be held invalid
by reason of length of time, area covered, or activity covered, or any or all of
them, shall be reduced to the extent necessary to cure such invalidity.

12. Notices:  Notices that are required or permitted hereunder shall be given by
hand delivery,  by delivery to a courier service providing next day delivery and
proof of receipt, or by facsimile transmission (except to Employee), as follows:

      If to the Company at:                Elcotel, Inc.
                                           6428 Parkland Drive
                                           Sarasota, FL 34243
                                           Attn: President
                                           Facsimile: 941-7514716

      If to Employee,  to his most recent residence  address on the books of the
Company,  or, to such other  address  of a party as to which  that  party  shall
notify the other parties in the manner provided herein.

13. Release of Claims:

      (a)  Employee  and his heirs,  assigns,  executors  and/or  administrators
hereby release the Company,  its successors,  assigns,  affiliates,  present and
former  owners,   employees,   officers,   directors,  and  agents  (hereinafter
"Releasees")  from any and all  claims,  demands or causes of action of whatever
nature,  whether  known or unknown,  that he ever had, now have or claim to have
against  the  Company or any other  Releasee  relating  to or arising out of his
employment  with the Company or his  termination of employment with the Company.
Employee also hereby waives and releases forever any right to have employment or
reemployment  by the Company and Employee  agrees not to sue or join in any suit
against the Company for any claim described herein.

      (b)  Employee  represents  that he (a)  understands  that the claims he is
releasing include, but are not limited to claims for discrimination on the basis
of sex, race, color, religion,  national origin, handicap or age under Title VII
of the Civil Rights Act of 1964,  the Age  Discrimination  in Employment  Act of
1967, the American with  Disabilities  Act, and/or the Florida Civil Rights Act,
(b)  claims  under  any  other  federal,  state or local  statute  or  ordinance
protecting  employees,  and (c)  claims  under  common  law  (such as  breach of
contract or defamation). Employee also represents that he understands that he is
waiving

                                       4
<PAGE>

and forever  giving up all claims he may have  against the Company that may have
arisen or arose before the Termination Date.

      (c) Employee  represents  that he is aware that various  state and federal
laws  prohibit  employment  discrimination  based  on  age,  sex,  race,  color,
religion, national origin, handicap and disability, and veteran status, and that
these laws are enforced through the Equal Opportunity Commission, the Department
of labor, and the Florida  Commission on Human  Relations,  and that he has been
advised to consult with an attorney prior to signing this Agreement.

      (d) Employee  represents  that he is aware that  although he may sign this
Agreement  as of the date first  written  above,  that he may also take up to 45
days to consider the  Agreement,  and that the  Agreement is revocable for seven
days after he signs it at which time the Agreement will become effective.

      (e) The Company, its successors,  assigns, affiliates,  present and former
owners, employees,  officers,  directors, and agents hereby release Employee and
his heirs, assigns,  executors and/or administrators  (hereinafter  "Releasees")
from any and all claims, demands or causes of action of whatever nature, whether
known or  unknown,  that he ever  had,  now have or  claim to have  against  the
Employee  or any  other  Releasee  relating  to or  arising  out  of  Employee's
employment with the Company or his termination of employment with the Company.

14. Entire Agreement, etc.:

      (a) This Agreement contains the entire understanding of the parties except
as  otherwise  expressly  contemplated  herein;  shall not be amended  except by
written  agreement of the parties signed by each of them;  shall be binding upon
and  inure  to the  benefit  of  the  parties  and  their  successors,  personal
representatives  and  assigns;   and  shall  supersede  and  replace  all  prior
employment agreements between the parties.

      (b) No  representation,  affirmation  of fact,  course of prior  dealings,
promise or condition in  connection  herewith not  incorporated  herein shall be
binding on the parties.

      (c) No waiver of any term or condition  contained  herein shall be binding
upon the  parties  unless  made in  writing  and signed by the party to be bound
thereby.

      IN WITNESS WHEREOF, the parties have executed and delivered this Agreement
as of the date first set forth above.

EMPLOYEE:                                  ELCOTEL, INC.:

/s/ Eduardo Gandarilla                     /s/ Michael J. Boyle
----------------------                     --------------------
Eduardo Gandarilla                         Michael J. Boyle

                                       5

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