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                                                                   EXHIBIT 10.22

                    NATIONAL FINANCIAL COMMUNICATIONS CORP.
                              CONSULTING AGREEMENT

        AGREEMENT made as of the 1st day of September, 2000 by and between
Delta Capital Technologies, Inc., maintaining its principal offices at 999 -
8 Street, Suite 255, Alberta, CN T2R 115 (hereinafter referred to as "Client")
and National Financial Communications Corp. DBA/OTC Financial Network, a
Commonwealth of Massachusetts corporation maintaining its principal offices at
1040 Great Plain Ave, Needham, MA 02492 (hereinafter referred to as the
"Company").

                              W I T N E S S E T H

        WHEREAS, Company is engaged in the business of providing and rendering
public relations and communications services and has knowledge, expertise and
personnel to render the requisite services to Client; and

        WHEREAS, Client is desirous of retaining Company for the purpose of
obtaining public relations and corporate communications services so as to
better, more fully and more effectively deal and communicate with its
shareholders and the investment banking community.

        NOW, THEREFORE, in consideration of the premises and of the mutual
covenants and agreements contained herein, it is agreed as follows:

        I. Engagement of Company. Client herewith engages Company and Company
agrees to render to Client public relations, communications, advisory and
consulting services.

        A. The Consulting services to be provided by the Company shall include,
but are not limited to, the development, implementation and maintenance of an
ongoing program to increase the investment community's awareness of Client's
activities and to stimulate the investment community's interest in Client.
Client acknowledges that Company's ability to relate information regarding
Client's activities is directly related to the information provided by Client to
the Company.

        B. Client acknowledges that Company will devote such time as is
reasonably necessary to perform the services for Client, having due regard for
Company's commitments and obligations to other businesses for which it performs
consulting services.

        II. Compensation and Expense Reimbursement

        A. Client will pay the Company, as compensation for the services
provided for in this Agreement and as reimbursement for expenses incurred by
Company on Client's behalf, in the manner set forth in Schedule A annexed to
this Agreement which Schedule is incorporated herein by reference.

        B. In addition to the compensation and expense reimbursement referred
to in Section 2(A) above, Company shall be entitled to receive from Client a
"Transaction Fee", as a result of any Transaction (as described below) between
Client and any other company, entity, person, group or persons or other party
which is introduced to, or put in contact with, Client by Company, or by which
Client has been introduced to, or has been put in contact with, by Company. A
"Transaction" shall mean merger, sale of stock, sale of assets, consolidation
or other similar transaction or series or combination of transactions whereby
Client or such other party transfer to the other, or both transfer to a third
entity or person, stock, assets, or any interest in its business in exchange
for stock, assets, securities, cash or other valuable property or rights, or
wherein they make a contribution of capital or services to a joint venture,
commonly owned enterprise or business opportunity with the other for purposes
of future business operations and opportunities. To be a Transaction covered by
this section, the transaction must occur during the term of this Agreement or
the one year period following the expiration of this Agreement.

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This calculation of a Transaction Fee shall be based upon the total value of the
consideration, securities, property, business, assets or other value given,
paid, transferred or contributed by, or to, the Client and shall equal 5% of the
dollar value of the Transaction. Such fee shall be paid by certified funds at
the closing of the Transaction.

     Term and Termination. This Agreement shall be for a period of six months
commencing September 1, 2000 and terminating February 28, 2001. If the Client
does not cancel the contract during the term; the contract will be automatically
extended for an additional three months; Either party hereto shall have the
right to terminate this Agreement upon 10 days prior written notice to the other
party after the first six months.

     Treatment of Confidential Information. Company shall not disclose, without
the consent of Client, any financial and business information concerning the
business; affairs, plans and programs of Client which are delivered by Client to
Company in connection with Company's services hereunder, provided such
information is plainly and prominently marked in writing by Client as being
confidential (the "Confidential Information"). The Company will not be bound by
the foregoing limitation in the event, (i) the Confidential Information is
otherwise disseminated and becomes public information or (ii) the Company is
required to disclose the Confidential Information pursuant to a subpoena or
other judicial order.

     Representation by Company of Other Clients. Client acknowledges and
consents to Company rendering, public relations, consulting and/or
communications services to other clients of the Company engaged in the same or
similar business as that of Client.

     Indemnification by Client as to Information Provided to Company. Client
acknowledges that Company, in the performance of its duties, will be required to
rely upon the accuracy and, completeness of information supplied to it by
Client's officers, directors, agents and/or employees. Client agrees to
indemnify, hold harmless and defend Company, its officers, agents and/or
employees from any proceeding or suit which arises out of or is due to the
inaccuracy or incompleteness of any material or information supplied by Client
to Company.

     Independent Contractor. It is expressly agreed that Company is acting as an
independent contractor in performing its services hereunder. Client shall carry
no workers compensation insurance or any health or accident insurance on
Company or consultant's employees. Client shall not pay any contributions to
social security, unemployment insurance, Federal or state withholding taxes nor
provide any other contributions or benefits which might be customary in an
employer-employee relationship.

     Non-Assignment. This Agreement shall not be assigned by either party
without the written consent of the other party.

     Notices. Any notice to be given by either party to the other hereunder
shall be sufficient if in writing and sent by registered or certified mail,
return receipt requested, addressed to such party at the address specified on
the first page of this Agreement or such other address as either party may have
given to the other in writing.

     Entire Agreement. The within agreement contains the entire agreement and
understanding between the parties and supersedes all prior negotiations,
agreements and discussions concerning the subject matter hereof.

     Modification and Waiver. This Agreement may not be altered or modified
except by writing signed by each of the respective parties hereof. No breach or
violation of this Agreement shall be waived except in writing executed by the
party granting such waiver.

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SCHEDULE A-1

PAYMENT FOR SERVICES
AND REIMBURSEMENT OF EXPENSES

        A. For the services to be rendered and performed by Company during the
term of the Agreement, Client shall pay to Company the sum of 250,000 restricted
shares.

        B. Client shall also reimburse Company for all reasonable and necessary
out-of-pocket expenses incurred in the performance of its duties for Client upon
presentation of statements setting forth in reasonable detail the amount of such
expenses. Company shall not incur any expense for any single item in excess of
$250 either verbally or written except upon the prior approval of the Client.
Company agrees that any travel, entertainment or other expense which it may
incur and which may be referable to more than one of its clients (including
Client) will be prorated among the clients for whom such expense has been
incurred.

                                        National Financial Communications Corp.

                                        By: /s/ GEOFFREY RITEN
                                           ------------------------------------
                                           Geoffrey Riten, President

                                        Delta Capital Technologies, Inc.

                                        By:
                                           ------------------------------------
                                           Michael Horsey, Authorized Agent<PAGE>   1

                                                                  EXHIBIT 10.23

                             VISION PUBLISHING INC.
                            7500 N. CYPRESSHEAD DRIVE
                             PARKLAND, FLORIDA 33067

September 26, 2000

ATTENTION: Mr. Michael Horsey

Dear Mr. Horsey:

RE: INVESTOR RELATIONS AGREEMENT

This is to confirm in writing the Agreement between Vision Publishing Inc.
("Vision)") and Delta Capital Technologies, Inc. (the "Company") pursuant to
which the Company will engage Vision on the term contained herein to furnish
investor relations services to the Company.

1.      ENGAGEMENT

        The Company hereby engages Vision to provide investor relations services
        to the Company including but not limited to, the following:

        (a)     contacting persons registered to trade in securities pursuant to
                the provisions of the Securities Act or of the securities
                legislation of the jurisdiction where such persons reside or
                conduct business and informing them of the particulars of the
                development of the Company's business and the potential of the
                Company's shares as an investment;

        (b)     acting in a liaison capacity between the directors and senior
                officers of the Company, the persons referred to in subsection
                1.1(a) and the shareholders of the Company;

        (c)     circulating to the persons referred to in subsection 1.1(a)
                such of the quarterly reports and other documents referred to in
                subsection 1.1(b) as may be reasonably requested by such
                persons; and

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        (d)     such other services as may be agreed upon by the Company's board
                of directors and Vision.

2.      TERM AND FEE

        The term of this Agreement will be one (1) year, commencing November 21,
        2000 and ending on November 20, 2001. In consideration of the services
        to be rendered by Vision hereunder, the Company agrees to issue to
        Vision 400,000 restricted shares of the Company's common stock (the
        "Shares"). The number of shares shall be adjustable for stock splits,
        recapitalizations and mergers or acquisitions of the Company, and be
        subject to customary anti-dilution protections.

3.      APPROVALS AND FILINGS

        The Company agrees to provide to Vision, from time to time and as soon
        as is available, financial statements, press releases, material change
        reports, quarterly reports and filing statements of the Company.

        Vision represents and warrants to, and covenants with, the Company, as
        follows;

        (a)     Vision has the ability, experience and skills necessary to carry
                out its obligations under this Agreement;

        (b)     Vision shall comply with all applicable securities laws and
                regulations of the US Securities & Exchange Commission and
                federal laws applicable therein, and all applicable securities
                laws and regulations of the states of the United States of
                America and federal laws applicable therein.

        (c)     Vision shall act at all times in the best interests of the
                Company.

4.      TERMINATION

        The Company may terminate its obligations under this Agreement prior to
        expiry of the term hereof in the following manner:

        (a)     upon, not less than thirty (30) days notice in writing to
                Vision, effective upon the last day of the month in which the
                30th day arises: and

        (b)     immediately and without notice, in the event of change of
                control of the Company.

5.      ASSIGNMENT

        Vision shall not transfer over or assign to any other person, firm or
        corporation its rights or obligations under this Agreement.

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6.      ENTIRE AGREEMENT

        This Agreement constitutes the entire Agreement between the parties
        hereto and supersedes all prior agreements, discussions and
        understandings, whether oral or written.

7.      ARBITRATION

        All disputes arising out of or in connection with this Agreement shall
        be referred to and finally resolved by arbitration under the rules of
        the US International Commercial Arbitration Centre. The arbitration
        shall be administered by the US International Commercial Arbitration
        Centre in accordance with its "Procedures of Cases under their Rules."

8.      NOTICES

        Any notice or other writing required or permitted to be given hereunder
        shall be deemed to be sufficiently given if delivered or if mailed by
        registered mail or sent by e-mail, addressed as follows:

        In the case of the Company:             In the case of Vision:

        Delta Capital Technologies, Inc.        Vision Publishing Inc.
        1400, 1166 Atberni Street               7500 N. Cypresshead Drive
        Vancouver, BC V6E 323                   Parkland, Florida 33067

        Attention: Michael Horsey               Attention: Sharlene Hammett

        mhorsey@deltacap.com                    PHANTOMTRD@aol.com
        -------------------------------         -------------------------------

9.      ACCESSORS AND ASSIGNS

        All rights and obligations of the parties hereunder Shall be binding on
        their heirs, executors, administrators, successors and assigns.

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If the above sets forth your understanding of our Agreement, kindly execute this
letter where indicated below and return one copy to us.

Yours very truly,

DELTA CAPITAL TECHNOLOGIES, INC.

Michael Horsey
Chairman

ACCEPTED AND AGREED to this 26th day of September, 2000

/S/ SHARLENE HAMMETT

SHARLENE HAMMETT
-------------------------------------
VISION PUBLISHING INC.

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