Document:

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                                                                    Exhibit 10.5

                              COCONUT GROVE BANK

                            BUILDING LEASE AGREEMENT

LANDLORD
TENANT

THIS AGREEMENT, entered into this ______ day of June 1999, A.D., between COCONUT
GROVE BANK, a Florida Banking Corporation, hereinafter referred to as
"Landlord", and AFFILIATED NETWORKS, INCORPORATED herein after referred to as
"Tenant".

                                  WITNESSETH:

PREMISES

THAT THE Landlord does this day lease unto Tenant that certain space
(approximately 7592 square feet), as shown outlined on the plan attached hereto
as Schedule "A" on the 3rd, 4th, 5th (xx) floors of the building, hereinafter
referred to as "Building", known as COCONUT GROVE BANK BUILDING located at 2701
South Bayshore Drive, Miami, Dade County, Florida, to be used and occupied by
tenant as administrative space and for no other purposes or uses whatsoever.

TERM
BASE RENTAL

TO HAVE AND TO HOLD said premises for the term of Five (5) years, beginning 1
July 1999 and ending 30 June 2004 at and for the agreed total base rental of See
Attached SCHEDULE "B" Dollars ($      ), payable as follows: Equal monthly
payments of Dollars ($      ), plus applicable sales taxes and additional rent
as $_______ as provided herein, if any. All payments are to be made in legal
tender of the United States of America to COCONUT GROVE BANK on the first day of
each and every month in advance without demand

              SEE ATTACHED SCHEDULE "A-1" thru "A-3" - FLOOR PLANS
                           SCHEDULE "B" - RENTAL RATE

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at "Building" Manager's office, 2701 South Bayshore Drive, Miami, Dade County,
Florida, or such other place as Landlord may designate in writing, the first
such monthly rental payment to be made simultaneoulsy with the execution of
this lease.

IT IS FURTHER STIPULATED AND COVENANTED BY AND BETWEEN THE PARTIES HERETO AS
FOLLOWS:

COMMENCEMENT

The lease period shall begin when improvements for Tenant, in accordance with
specifications agreed upon in written by Landlord and Tenant, which are the
responsibilities of the Landlord, are complete and the offices ready for
occupancy. Rent payments shall not be delayed due to the fault of the Tenant or
failure to complete improvements ordered by the Tenant for its own use. If the
term of this lease shall begin during a calendar month, then the rent for such
portion of the particular calendar month at the beginning of the term shall be
apportioned and paid on the basis of a month of thirty (30) days. Any credit due
Tenant as a result of such apportionment and its payment of the first monthly
payment shall be credited against the second monthly payment.

SECURITY

Tenant, concurrently with the execution of this lease, has deposited with the
Landlord, unless otherwise expressly stated herein,, a sum equal to one monthly
rental payment exclusive of sales tax, the receipt of which is hereby
acknowledged by Landlord, which sum shall be retained by Landlord as security
for the payment by Tenant of the rents herein agreed to be paid by Tenant and
for the faithful performance by Tenant of the terms and covenant of this lease.
It is agreed that Landlord, at Landlord's option, may at any time apply said sum
or any part thereof toward the payment of the rents and all other sums payable
by Tenant under this lease, and towards the performance of each and every
Tenant's covenants under this lease, but shall thereby be discharged only pro
tanto: That Tenant shall remain liable for any amounts that such sum shall be
insufficient to pay; that Landlord may exhaust any or all rights and remedies
against Tenant before resorting to said sum, but nothing herein contained shall
require to be deemed to require Landlord, so to do; that, should this lease be
faithfully performed by Tenant, this deposit shall be returned by Landlord to
Tenant within ten (10) days after the expiration of the term of this lease.
Landlord shall not be required to pay Tenant any interest on said security
deposit. Landlord shall not be required to hold said security funds in a
segregated account.

BUILDING ACCESS

Building will be open to the public Monday through Friday of each week from 7:00
A.M. until 10:30 P.M. Entrance is available at both the first and second floor
levels with the following exceptions: The second floor entrance will be open and
under the control of a uniformed security guard from 5:30 P.M. until midnight,
Monday through Friday; and on Saturdays and Sundays from 9:00 A.M. until 5:00
P.M. The entrance on the first floor will be closed from 6:00 P.M. until 6:30
A.M. and all day on Saturday and Sunday. All persons entering the building
during the time that the building is under security guard will have to show
identification and sign the Visitor's Log under the supervision of the security
guard. All persons leaving the building while the building is under the control
of the security guard will have to sign out. Tenant may arrange to open building

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beyond the above hours by giving twenty-four (24) hours advance written notice
to the Building Manager and payment to Landlord the cost of additional security
guard service. At all times other than stated above, including Sundays and
Holidays and the Monday following Christmas and New Years, when Christmas and
New Years fall on Sunday, the Building will be under ADT electronic
surveillance and closed to all persons. The above-referenced Holidays are:
Christmas Day, New Year's Day, Memorial Day, Fourth of July, Labor Day and
Thanksgiving Day. When Christmas Eve and New Year's Eve fall on a week day the
building will close at 5:00 P.M. When Christmas Eve and New Year's Eve fall on
Saturday or Sunday the building will be closed to all persons on those days.

It shall be the responsibility of the Tenant to arrange for all of its employees
and/or invitees to be out of the building prior to the building being placed
under ADT electronic surveillance. Landlord shall have no responsibility to any
Tenant, Tenant's employees or invitees in the event said party or persons should
fail to leave the building prior to the time the ADT electronic surveillance is
placed in effect and Tenant agrees to indemnify and save harmless Landlord from
any claim or suit against Landlord in such event.

Landlord reserves the right to issue identification passes and require the same
for admission to the building while under security guard. It is expressly
understood by Tenant that guard and/or ADT service is provided for the
protection of the banking facilities located in the Building. Landlord shall
have no responsibility to Tenant to provide such service and may discontinue
same at any time. Landlord shall have no responsibility to Tenant, its employees
and/or invitees for loss or damage to person or property caused by theft,
vandalism, or other cause or causes.

SERVICES FURNISHED BY LANDLORD

Landlord will furnish Tenant, while occupying the premises, water - cold and
refrigerated - at those points of supply provided for general use of its
Tenants, electricity for lighting and office use, lavatory and toilet
facilities, automatic self-operated elevators, reasonable cleaning services once
each day, Monday through Friday (except Holidays as above defined) (Provided
that the premises are kept in order by Tenant and that same are available for
cleaning after 5:30 P.M. of each day) and air conditioning (cooling) from 7:00
A.M. to 8:00 P.M. on weekdays and from 9:00 A.M. to 5:00 P.M. on Saturdays and
Sundays. If Tenant requires air conditioning at other hours, written notice
twenty-four (24) hours in advance shall be given by Tenant to Landlord and
Tenant will be billed for such use at the rate of Twenty Five Dollars ($25.00)
per hour. The Tenant will not install or maintain electrically operated
equipment or other machinery except light office machines normally used without
first obtaining the written consent of the Landlord and such consent of Landlord
may be conditioned upon payment by Tenant of additional rent. Any electrical or
computer equipment which, together with Tenant's other electrically operated
equipment, requires in excess of 20 ampere - 220 volt service shall not be
installed without the prior written approval of the Landlord (this also includes
photo processing and printing equipment). Likewise, if any Tenant requires
excess use of water, such use shall be conditioned upon written consent of the
Landlord and additional rent as compensation for such excess use. Failure by
Landlord to any extent to furnish, or any stoppage of, these defined services
resulting from causes beyond the control of Landlord shall not render Landlord
liable in any respect for damages to either person or property, nor be construed
as an eviction of Tenant, nor work any abatement of rent nor relieve Tenant from
fulfillment of any covenant or agreement hereof.

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Should any equipment or machinery break down or for any cause cease to
function properly, Landlord shall use reasonable diligence to repair the same
promptly but Tenant shall have no claim for rebate of rent or damages on account
of any interruptions in service occasioned thereby or resulting therefrom.

Any charges against Tenant by Landlord for additional services or work done by
order of the  Tenant, or otherwise accruing under this lease, shall be
considered as rent due and shall be included in any lien for rent.

PARKING

In addition to the premises described herein, the Tenant shall be entitled to
the use of THIRTY-FIVE (35) parking spaces on the premises, the location of
which shall be assigned by the Landlord. If there are unassigned spaces in the
designated employee parking areas, the same may be used by the Tenant until
assigned specifically by the Landlord to another Tenant. Tenant acknowledges
that there will be designated an area of visitor parking and agrees not to park
in said area so designated or permit any of its employees to park in said area
or areas.

Parking in front of the building on the East side and on the North side of the
second level parking area will be limited to fifteen (15) minutes and/or thirty
(30) minutes, as marked. These areas will be patrolled and cars subject to
violation will be towed away at car owner's or operator's expense. The aforesaid
parking is provided for the convenience of Tenants and guests or customers of
Tenants and shall be used at the risk of Tenants, its guests or customers. The
Landlord accepts no responsibility for injury, damage or loss of any
automobiles, while in the parking facility provided for the Tenant in connection
with the premises. Persons using the parking facility and adjacent area thereto
use same at their own risk, and the Landlord accepts no responsibility
whatsoever for any injury to any person in the parking facility or any other
part or portion of the premises, office building, or any adjacent area thereto,
whether under the control of the Landlord or some third party. The Landlord
accepts no responsibility for the regulation of the parking area nor for persons
who improperly park automobiles in spaces assigned to another Tenant or operate
automobiles in an improper manner. Landlord is under no obligation to provide a
parking attendant or doorman, and is under no obligation to provide security for
automobiles parked in the parking facility.

ASSIGNMENT OR SUBLETTING

Tenant will not assign this lease or allow the same to be assigned by operation
of law or otherwise, or sublet the demised premises, or any part thereof, or use
or permit the same to be used for any other purpose than as above stipulated,
unless authorized by Landlord; said authorization will not be unreasonably
withheld.

REPAIRS AND RE-ENTRY

Tenant will, at Tenant's own cost and expense, repair or replace any damage or
injury done to the building, or any part thereof, caused by Tenant or Tenant's
agents, employees, invitees, or visitors. If Tenant fails to make such repairs
or replacements promptly, or within fifteen (15) days of occurrence, Landlord
may, at its option, make such repairs or replacements and Tenant shall repay the
cost thereof to Landlord on demand. Tenant will not commit or allow any waste or
damage to be committed on any portion of the demised premises, and shall, at the
termination of

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this lease, by lapse of time or otherwise, deliver up said premises to Landlord
in as good condition as at date of possession of Tenant, ordinary wear and tear
and damage by fire or windstorm alone excepted, and, upon such termination of
lease, Landlord shall have the right to re-enter and resume possession of the
demised premises.

ALTERATIONS ADDITIONS OR IMPROVEMENTS

Tenant will not make or allow to be made any alterations or physical additions
in or to the demised premises without written consent of Landlord first had and
obtained. Any and all such alterations, physical additions or improvements when
made to the demised premises by Tenant shall be at the Tenant's cost and
expense. Any and all such alternations, physical additions or improvements
except removable fixtures or furniture of the Tenant shall at once become the
property of the Landlord and shall be surrendered to the Landlord upon the
termination in any manner, of this lease.

LAWFUL USE AND VIOLATIONS OF INSURANCE COVERAGE

Tenant will not occupy or use, or permit any portion of the demised premises to
be occupied or used for any business or purpose which is unlawful in part or in
whole or deemed to be disreputable in any manner, or extra hazardous, or permit
anything to be done which will in any way increase the rate of insurance on said
building and/or its contents.

LAWS AND REGULATIONS

Tenant will keep and maintain the demised premises in a clean and healthful
condition and comply with all laws, ordinances, orders, rules and regulations
(State, Federal, Municipal and other agencies or bodies having any jurisdiction
thereof, including rules, orders and regulations of the Southeastern
Underwriters Association for the prevention of fires), with reference to use,
conditions or occupancy of the demised premises.

RULES OF BUILDING

Tenant and Tenant's agents, employees, invitees and visitors will comply fully
with all requirements of rules of the building which are attached hereto and
made a part hereof as though fully set out herein. Landlord shall at all times
have the right to change such rules and regulations or to amend them in any
reasonable manner as may be deemed advisable by Landlord for the safety, care
and cleanliness of the demised premises and for preservation of good order
therein, all of which changes and amendments will be sent by Landlord to Tenant
in writing and shall be thereafter carried out and observed by Tenant.

ENTRY FOR REPAIRS AND INSPECTION

Tenant will permit Landlord or its officers, agents or representatives
the right to enter into and upon any and all parts of the demised premises, at
all reasonable hours to inspect same or clean or make repairs or alterations or
additions as Landlord may deem necessary or desirable and Tenant shall not be
entitled to any abatement or reduction of rent by reason thereof.

NUISANCE

Tenant will conduct his business, and control his agents, employees, invitees
and visitors in such a manner as not to create any nuisance, or interfere with,
annoy, or disturb any other Tenant or Landlord in its management of the
building.

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CONDEMNATION

In the event the whole or any part of the building other than a part not
interfering with the maintenance or operation thereof shall be taken or
condemned for any public or quasi-public use or purpose, the Landlord may at its
option terminate this lease from the time title to or right to possession shall
vest in or be taken for such public or quasi-public use or purpose, and the
Landlord shall be entitled to any and all income, rent, awards or any interest
therein whatsoever which may be paid or made in connection therewith.

LOSS OR DAMAGE

Landlord shall not be liable or responsible for any loss or damage to any
property or person occasioned by theft, fire, act of God, public enemy,
injunction, riot, strike, insurrection, war, Court order, requisition or order
of governmental body or authority, or other matter beyond the control of
Landlord, or for any damage or inconvenience which may arise through repair or
alteration of any part of the building or failure to make any such repairs or
from any cause whatever unless caused solely by Landlord's negligence.

LIEN FOR RENT

In consideration of the mutual benefits arising under this contract, Tenant does
hereby pledge and assign unto Landlord all property of Tenant now or hereafter
placed in or upon the demised premises (except such part of any property as may
be exchanged or replaced from time to time in its ordinary course of
operations), and such property is hereby subjected to a lien in favor of
Landlord and shall be and remain subject to such lien of Landlord for payment
of all rents and other sums agreed to be paid by Tenant herein. Said liens shall
be in addition to and cumulative of the Landlord's liens provided by law.

ABANDONMENT

If the Tenant shall abandon or vacate said premises before the end of the term
of this lease, or shall suffer the rent to be in arrears, the Landlord may, at
its option, forthwith cancel this lease or it may enter said premises as the
agent of the Tenant, by force or otherwise, without being liable in any way
therefor, and relet the premises with or without any furniture that may be
therein, as the agent of the Tenant, at such price and upon such terms and for
such duration of time as the Landlord may determine, and receive the rent
therefor, applying the same to the payment of the rent due by these presents,
and if the full rental herein provided shall not be realized by Landlord over
and above the expenses to Landlord in such reletting, including but not limited
to the cost of renovating, altering and decorating for a new occupant, the said
Tenant shall pay any deficiency, and if more than the full rental is realized,
Landlord will pay over to said Tenant the excess on demand; or Landlord may sue
the Tenant as each installment of rent matures or for the whole rent when it
becomes due.

HOLDING OVER

In the case of holding over by Tenant after expiration or termination of this
lease, Tenant will pay as liquidated damages, double rent for the entire
holdover period. No holding over by Tenant after the term of this lease, either
with or without consent and acquiescence of Landlord, shall operate to extend
the lease for a longer period than one month; and any holding over with the
consent of Landlord in writing shall thereafter constitute this lease a lease
from month to month.

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INSURANCE

Lesee shall, at its own expense, procure and maintain through the Term:

Combined comprehensive single limit public liability insurance, including, but
not limited to, insurance against assumed or contractual liability under this
Lease, with respect to the Premises, to afford protection with limits, for each
occurrence, of not less than Five Hundred Thousand Dollars ($500,000.00);

All risks, property and casualty insurance, including vandalism, malicious
mischief, fire and extended coverage written at replacement cost value and with
replacement cost endorsement, covering all of Lessee's personal property in the
Premises (including, without limitation, inventory, trade fixtures, floor
coverings, furniture and other property removable by Lessee under the
provisions of this Lease) and all leasehold improvements installed in the
Premises by or on behalf of Lessee:

Plate glass insurance covering the plate glass in the Premises; and

If and to the extent required by law, workmen's compensation or similar
insurance in form and amounts required by law.

Lessee's insurance shall be with a Best's A+ rated company licensed to transact
business in the State of Florida. Lessor and Lessor's mortgagee, if any, shall
be named as additional insureds under Lessee's insurance, and such insurance
shall be primary and non-contributing with any insurance carried by Lessor.
Lessee's insurance policies shall contain endorsements requiring thirty (30)
days notice to Lessor and Lessor's mortgagee, if any, prior to any cancellation
or any reduction in amount of coverage. Lessee shall deliver to Lessor as a
condition precedent to its taking occupancy of the Premises, but not to its
obligation to pay Rent, a certificate or certificates evidencing such insurance
acceptable to Lessor. Lessee shall at least thirty (30) calendar days prior to
the expiration of such policies, deliver to Lessor certificates of insurance
evidencing the renewal of such policies. A FAILURE TO PROVIDE SUCH INSURANCE
COVERAGE SHALL BE DEEMED AN EVENT OF DEFAULT UNDER THIS LEASE.

If, on account of the failure or Lessee to comply with the foregoing
provisions, Lessor is adjudged a co-insurer by its insurance carrier, then any
loss or damage Lessor shall sustain by reason there of shall be borned by
Lessee and shall be immediately paid by Lessee upon receipt of a bill thereof
and evidence of such loss.

Lessor shall not be obligated to insure any furniture, equipment, machinery,
goods or supplies which Lessee may bring or obtain upon the Premises, or any
additional improvements which Lessee may construct on the Premises. Lessor
reserves the right to self-insure the Building.

Anything in the Lease to the contrary notwithstanding, Lessor and Lessee hereby
waive and release each other of and from any and all rights of recovery, claim,
action or cause of action, against each other, their agents, officers and
employees, for any loss or damage that my occur to the Premises, Building,
improvements to the Building, any furniture, equipment, machinery, goods or
supplies not covered by this Lease which Lessee may bring or obtain upon the
Premises, or any additional improvements which Lessee may construct on the
Premises, by reason of fire, the elements or any or any other cause which could
by insured against, under the terms

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of standard fire and extended coverage insurance policies, regardless of cause
or origin, including negligence of Lessor or Lessee and their agents, officers
and employees. Because this Subsection will preclude the assignment of any
claim mentioned in it by way of subrogation (or otherwise) to an insurance
company (or any other person), each party to this Lease agrees immediately to
give to each insurance policies properly endorsed, if necessary, to prevent the
invalidation of the insurance coverage by reason of the mutual waivers
contained in this Subsection. Lessee also waives and releases Lessor, its
agents, officers and employees, of and from any and all rights of recovery,
claim, action or cause of action for any loss or damage insured against under
any other policies of insurance carried by Lessee.

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FIRE CLAUSE

In the event of damage by fire or other causes resulting from fault or
negligence of Tenant or Tenant's agents, employees, invitees or visitors, the
same shall be repaired by and at the expense of Tenant under the direction and
supervision of Landlord. If the demised premises, without fault or neglect of
the Tenant, his agents, employees, invitees, or visitors, shall be partially
destroyed by fire or other casualty so as to render the premises untenantable,
the rental herein recited shall cease thereafter until such time as the demised
premises are made tenantable by Landlord. In case of the total destruction of
the demised premises without fault or neglect of the Tenant, his agents,
employees, invitees or visitors, or if from such cause the same shall be so
damaged that Landlord shall decide not to rebuild, then all rental due up to
the time of such destruction or termination shall be paid by Tenant, and
thenceforth this lease shall cease and come to an end. In the event of damage
to the Demised Premises by fire or other causes if the Demised Premises cannot
be restored within 120 days from the date of such damage, Tenant, at Tenant's
election, may terminate this Lease and the rent shall be paid only to the date
when such damage occurred.

ATTORNEY'S FEES

In case Tenant makes default in the performance of any of the terms, covenants,
agreements or conditions contained in this lease, the Landlord places the
enforcement of this lease, or any part thereof, or the collection of any rent
due, or to become due hereunder, or recovery of the possession of the demised
premises in the hands of an attorney, or files suit upon the same, Tenant
agrees to pay Landlord reasonable attorney's fees and Court costs, provided
Landlord prevails; however, if Tenant prevails, Landlord shall pay Tenant's
reasonable attorney's fees and Court costs.

INDEMNITY LIABILITY

The Tenant will indemnify and hold harmless the Landlord against all
liabilities, damages, and other expenses, including reasonable attorney's fees,
which may be imposed upon, incurred by, or asserted against the Landlord by
reason of any of the following occurring during the term of this lease: (a) Any
use or occupancy of the leased property by Tenant, (b) Any negligence on the
part of the Tenant or its agents, contractors, licensees, (c) Any personal
injury or property damage occurring on or about the leased property. Landlord
shall not be liable to Tenant for any damage, loss or injuries to persons or
property of the Tenant which may be caused by the acts or negligence of any
person or corporation, except such injury or loss resulting from negligence of
the Landlord, its agents or employees.

LIENS

Tenant shall have no authority to create any liens for labor or materials on
landlord's interest in building owned by Landlord and all persons contracting
with Tenant for labor, materials and/or supplies or the doing of work shall look
solely to Tenant and Tenant's interest under this lease and said persons are
hereby charged with notice that they must look solely to Tenant's interest in
the demised premises. In the event any such lien is filed against the property
of the Landlord, Tenant shall forthwith discharge the same; if not discharged by
Tenant within thirty (30) days after the filing of said lien, either by a
satisfaction thereof or by the posting of a bond, Tenant's failure so to do
shall constitute a default under the terms of this lease. Tenant further agrees
and will hold harmless

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Landlord from all costs, including bond premiums and attorney's fees and/or
other charges and expenses reasonably incurred by Landlord in connection with
the discharge of any such lien or any judgment obtained thereon. Any such
expenses incurred by Landlord shall be considered as rent due and payable on
demand of Landlord.

CERTIFICATE

Upon the request of Landlord, its mortgagee, prospective purchaser or any
Federal or State Bank Examiner, Tenant shall furnish a Certificate in writing
to the effect that its lease is in full force and effect and that Landlord is
not in default, or specifically state any exceptions thereto. Failure to give
such Certificate within two weeks after written request shall be conclusive
evidence that the lease is in full force and effect and Landlord is not in
default. Tenant shall thereafter be estopped from asserting any such defaults
as of the date of said request.

DEFAULT BY TENANT

Tenant agrees to pay promptly said rent and all other charges that accrue under
this lease. In the event that Tenant should be in default thereof for a period
of seven (7) days after the same shall become due and payable, Landlord shall
have the option of: (1) Terminating this lease and resuming possession of the
premises for its own account and recovering from Tenant the damage between the
rent specified in this lease and the rental value thereof for the balance of
the term, reduced to its present worth; (2) Or, enter the premises as agent of
Tenant and rent the same for the remainder of the term for the account of Tenant
and recovery from Tenant either at the end of the term or as each payment
becomes due, as Landlord may choose, the difference between the rent called for
in this lease and the rent received on re-renting.

Default on Tenant's part in keeping or performing any other term, covenant, or
condition of this lease, shall authorize Landlord, at its option at any time
after such default, and after ten (10) days' written notice thereof to Tenant,
immediately, or at any time thereafter, to re-enter said premises and remove
all persons therefrom with or without legal process, and without prejudice to
any of its other legal rights, and all claims for damages by reason of such
re-entry are expressly waived, as also are all claims for damages by reason of
any distress warrants or proceedings by way of sequestration which Landlord may
employ to recover said rents, or possession of said premises, and Landlord
shall have the options set forth in the preceding paragraph pertaining to a
default in payment of rents, provided that Landlord shall not have the right to
re-enter if, within ten (10) days after written notice of any default, Tenant
fully cures all defaults.

WAIVER

Failure of Landlord to declare any default immediately upon occurrence thereof
or delay in taking action in correction therewith shall not waive such default,
but Landlord shall have the right to declare any such default at any time and
take such action as might be lawful or authorized hereunder, either in law or
in equity.

POSSESSION

If, for any reason, the demised premises shall not be ready for occupancy by
Tenant at the time of commencement of this lease,

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this lease shall not be affected thereby, nor shall Tenant have any claim
against Landlord by reason thereof, but no rent shall be payable for the period
during which the premises shall not be ready for occupancy; and all claims for
damages arising out of such delay are hereby waived and released by Tenant.

BANKRUPTCY

If, voluntary bankruptcy proceedings be instituted by Tenant, or if proceedings
be instituted by any one else to adjudge Tenant a bankrupt, or if Tenant makes
an assignment for the benefit of his creditors or if execution be issued
against him, or if the interest of Tenant in this contract passes by operation
of law to any person other than Tenant, this lease may, at the option of
Landlord, be terminated by written notice addressed to Tenant and mailed in the
post office at Miami, Florida.

TRANSFER OF LANDLORD'S RIGHTS

Landlord shall have the right to transfer and assign, in whole or in part, all
and every feature of its rights and obligations hereunder and in building and
property referred to herein. Such transfers or assignments may be made either
to a corporation, trust company, individual or group of individuals, and,
howsoever made, are to be in all things respected and recognized by Tenant.

AMENDMENT OF LEASE

This agreement may not be altered, changed, or amended, except by an instrument
in writing, signed by both parties hereto.

SUBORDINATION

This lease is hereby made expressly subject and subordinate at all times to any
and all mortgages, deeds of trust, ground or underlying leases affecting the
demised premises which have been executed and delivered, or which may at any
time hereafter be executed and delivered, and any and all extensions and
renewals thereof and substitutions therefor, and to any and all advances made or
to be made under or upon said mortgages, deeds of trust, ground or underlying
leases. Tenant agrees to execute any instrument or instruments which the
Landlord may deem necessary or desirable to effect the subordination of this
lease to any or all such mortgages, deeds of trust, ground or underlying leases
and, in the event the Tenant shall refuse after reasonable notice to execute
such instrument or instruments, the Landlord may, in addition to any right or
remedy accruing hereunder, terminate this lease without incurring any liability
whatever, and the estate hereby granted is expressly limited accordingly.

TIME OF THE ESSENCE

It is understood and agreed between the parties hereto that time is of the
essence of this contract, and this applies to all terms and conditions
contained herein.

PEACEFUL ENJOYMENT

Tenant shall and may peaceably have, hold and enjoy the demised premises subject
to the other terms hereof and provided Tenant pays the rentals herein recited
and performs all of his covenants and agreements herein contained.

NO REPRESENTATIONS BY LANDLORD

Landlord or its agents have made no representations or promises with respect to
the said building, the land upon which it is erected or demised premises except
as herein expressly set forth and no rights, easements or licenses are acquired
by Tenant by

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implication or otherwise except as expressly set forth in the provisions of
this lease. The taking possession of the demised premises by Tenant shall be
conclusive evidence, as against Tenant, that Tenant accepts same "as is" and
that said premises and the building of which the same form a part were in good
and satisfactory condition at the time such possession was so taken.

SURRENDER OF PREMISES

Tenant shall surrender to Landlord, at termination of this lease and/or upon
any cancellation of this lease, said demised premises. In the event the Tenant
should fail to surrender said premises upon termination of this lease, Tenant
will pay to Landlord any damages that Landlord might incur on account of
Tenant's failure to deliver possession of the demised premises to Landlord and
will indemnify and hold harmless Landlord from any and all claims made by any
succeeding Tenant of said premises on account of delay of Landlord in
delivering premises to said succeeding Tenant, to the extent such delay is
occasioned by Tenant's failure to surrender said premises. This right of
Landlord against Tenant is in addition to the Holdover provisions hereinbefore
set forth in this lease.

If Tenant should fail to remove all of its personal property upon termination
of lease, Landlord may, at its option remove same in any manner the Landlord
shall choose and store such effects without liability to the Tenant for loss,
and the Tenant agrees to pay to the Landlord on demand, all expenses incurred
in such removal, including Court costs and attorney's fees, or the Landlord
may, at its option, without notice, sell such effects or any part, at private
sale without legal process for such price as the Landlord may obtain and apply
the proceeds of such sale or any amounts due under this lease from the Tenant
to the Landlord and on the expense incident to the removal and sale of said
effects.

CAPTIONS

The Captions are inserted only as a matter of convenience and for reference and
in no way define, limit or describe the scope of this lease nor the intent of
any provision thereof.

HEIRS AND ASSIGNS

The covenants, conditions and agreements contained in this lease shall bind and
inure to the benefit of Landlord and Tenant and their respective heirs,
distributees, executors, administrators, successors, and, except as otherwise
provided in this lease, their assigns.

NO BROKER

Tenant warrants and represents that it dealt with no Real Estate Broker in the
negotiation of this lease and Landlord, in executing this lease, is relying
upon such representation.

NOTICES

It is understood and agreed between the parties hereto that written notice
addressed to Tenant and mailed or delivered to premises leased hereunder shall
constitute sufficient notice to the Tenant, and written notice addressed to
Landlord and mailed or delivered to the office of Landlord shall constitute
sufficient notice to the Landlord, to comply with the terms of this lease.

CUMULATIVE REMEDIES

The various rights, remedies, powers and elections of Landlords reserved,
expressed or contained in this lease are cumulative

                                      -10-
<PAGE>   13

and no one of them shall be deemed to be exclusive of the others or of such
other rights, remedies, powers, options or elections as are now, or may
hereafter be, conferred upon Landlord by law.

PRONOUNS AND GENDER

The terms Landlord and Tenant, as herein contained, shall include singular
and/or plural, masculine, feminine, and/or neuter, heirs, successors,
executors, administrators, personal representatives and/or assigns wherever the
context so requires or admits and use of and neuter gender includes all
genders, wherever the context so requires.

RELOCATION OF TENANT

Landlord shall have the sole right to relocate any Tenant, having one thousand
square feet or less, to comparable space in the Building, upon giving the
Tenant ninety days prior written notice.

                                   -11 & 12-
<PAGE>   14

SHOWING PREMISES

At anytime, within thirty days before the expiration of this lease, Landlord or
its agents shall have the right to enter the premises during reasonable hours
to exhibit said premises to prospective tenants.

OPTION TO RENEW

Landlord grants Tenant the first right of refusal to renegotiate a new lease,
commencing at the expiration of the original term, provided Tenant shall not be
in default under the terms of this lease, and shall give written notice of sixty
(60) days before the expiration of this lease.

                                         COCONUT GROVE BANK, Landlord

/s/                                      By: /s/ A.D. Harrison, Jr.
-----------------------------               ----------------------------- (Seal)
                                            A.D. HARRISON, JR.
                                            Chairman

                                         Date:
-----------------------------                 ---------------------------
(Witness as to Landlord)

                                         Tenant:

/s/                                      By: /s/ David A. Schwedel
-----------------------------               ----------------------------- (Seal)

/s/                                      Date:  6/22/99
-----------------------------                 ---------------------------
(Witness as to Tenant)

IN WITNESS WHEREOF, Landlord and Tenant have respectively signed and sealed
this lease as of the day and year first above written.

                                      -13-
<PAGE>   15

                                  [FLOORPLAN]

                                  SCHEDULE "A"
<PAGE>   16
                                  SCHEDULE "B"

                                  RENTAL RATE

Suites 310, 403, and 500A - 7,592 square feet
AFFILIATED NETWORKS, INC.
5 Year Lease with 2 Year Option

FIRST YEAR:                                  July 1, 1999 to June 30, 2000
                                             $16.50 per sq ft
                                             $125,268 per annum, plus tax

SECOND & THIRD YEARS                         July 1, 2000 to June 30, 2002
                                             $17.00 per sq ft
                                             $129,064 per annum, plus tax

FOURTH & FIFTH YEARS                         July 1, 2002 to June 30, 2004
                                             $18.00 per sq ft
                                             $136,656 per annum, plus tax

                                OPTION TO RENEW

Landlord grants Tenant the option to extend the lease term for an additional
two (2) year period. The rental rate for the option period shall be negotiated
no later than sixty (60) days prior to the end of the original lease period.

<PAGE>   17

          COCONUT GROVE BANK
       2701 SOUTH BAYSHORE DRIVE                                 [LOGO]
         MIAMI, FLORIDA 33133
          TELEPHONE 858-6666
           FAX 305-856-7052
        TELEX # 518939 COGROBANK

--------------------------------------------------------------------------------
                         WHERE SUMMER SPENDS THE WINTER
--------------------------------------------------------------------------------

  J.W. JUDGE
BUILDING MANAGER

                                                       23 November 1999

Affiliated Networks Inc.
Coconut Grove Bank Building
Fifth Floor
2701 S. Bayshore Dr.
Miami, Florida

Dear David:

Effective 1 January 2000 your Building Lease Agreement dated 1 July, 1999 is
hereby amended to include 4,208 square feet located on the Penthouse Floor; new
total approximate square feet: 11,800. Rental rate on the additional square
footage shall be $23.00 sq. ft. The additional rent shall be $8,065.33 per
month, plus tax.

Please forward a check in the amount of $8,065.33 for the additional security
deposit required.

All other terms and conditions of the original Lease Agreement remain the same.

If you are in agreement with this Amendment please sign in the space provided
below.

Sincerely,

/s/ J.W. Judge
J.W. JUDGE

/s/ David Schwedel, President      11/23/99
-------------------------------------------
SIGNATURE/TITLE/DATE<PAGE>   1
                                                                  EXHIBIT 10.6

                          EMPLOYMENT AGREEMENT

         This Employment Agreement ("Agreement") is made and entered into on
this 8th day of July, 1999 effective as of January 1, 1999 by and between
Affiliated Networks, Inc., a Florida corporation (the "Company"), and David A.
Schwedel (hereinafter called the "Executive").

                                    RECITALS

         A.       The Executive is currently employed as the President and Chief
Executive Officer of the Company.

         B.       The Executive possesses intimate knowledge of the business and
affairs of the Company, its policies, methods and personnel.

         C.       The Board of Directors of the Company (the "Board") recognizes
that the Executive has contributed to the growth and success of the Company, and
desires to assure the Company of the Executive's continued employment and to
compensate him therefor.

         D.       The Board has determined that this Agreement will reinforce
and encourage the Executive's continued attention and dedication to the Company.

         E.       The Executive is willing, to make his services available to
the Company and on the terms and conditions hereinafter set forth.

                                   AGREEMENT

         NOW, THEREFORE, in consideration of the premises and mutual covenants
set forth herein, the parties agree as follows:

         1.       EMPLOYMENT.

                  1.1      EMPLOYMENT AND TERM. The Company hereby agrees to
employ the Executive and the Executive hereby agrees to serve the Company on the
terms and conditions set forth herein.

                  1.2      DUTIES OF EXECUTIVE. During the Term of Employment
under this Agreement, the Executive shall serve as the President and Chief
Executive Officer of the Company, shall diligently perform all services as may
be assigned to him by the Board (provided that, such services shall not
materially differ from the services currently provided by the Executive), and
shall exercise such power and authority, as may from time to time be delegated
to him by the Board. The Executive shall devote his full time and attention to
the business and affairs of the Company, render such services to the best of his
ability, and use his best efforts to promote the interests of the Company, and
shall not engage in any activities that compete with

                                      -1-

<PAGE>   2

the business of the Company. It shall not be a violation of this Agreement for
the Executive to (i) serve on corporate, civic or charitable boards or
committees, (ii) deliver lectures, fulfill speaking engagements or teach at
educational institutions, or (iii) manage personal investments, so long as such
activities do not significantly interfere with the performance of the
Executive's responsibilities to the Company in accordance with this Agreement.

         2.       TERM.

                  2.1      INITIAL TERM. The initial Term Employment under this
Agreement, and the employment of the Executive hereunder, shall commence on
January 1, 1999 (the "Commencement Date") and shall expire on December 31, 2004,
unless sooner terminated in accordance with Section 5 hereof (the "Initial
Term").

                  2.2      RENEWAL TERMS. At the end of the Initial Term, the
Term of Employment automatically shall renew for successive one year terms
(subject to earlier termination as provided in Section 5 hereof), unless the
Company or the Executive delivers written notice to the other at least 6 months
prior to the Expiration Date of its or his election not to renew the Term of
Employment.

                  2.3      TERM OF EMPLOYMENT AND EXPIRATION DATE. The period
during which the Executive shall be employed by the Company pursuant to the
terms of this Agreement is sometimes referred to in this Agreement as the "Term
of Employment", and the date on which the Term of Employment shall expire
(including the date on which any renewal term shall expire), is sometimes
referred to in this Agreement as the "Expiration Date".

         3.       COMPENSATION.

                  3.1      BASE SALARY. The Executive shall receive a base
salary (the "Base Salary") at the annual rate of $130,000 for calendar year
1999, with such Base Salary payable in installments consistent with the
Company's normal payroll schedule, subject to applicable withholding, and other
taxes. The Base Salary shall be reviewed, at least annually, for merit increases
and may, by action and in the discretion of the Board, be increased at any time
or from; provided, however, that the Base Salary shall be increased as of each
January 1 during the Initial Term so that the Base Salary payable to the
Executive shall not be less than $160,000 for calendar year 2000, $225,000 for
calendar year 2001, and $265,000 for calendar years 2002, 2003 and 2004. Base
Salary, once increased, shall not thereafter be decreased for any reason.

                  3.2      BONUSES.

                           a.       The Company shall pay the Executive a bonus
(sometimes hereinafter referred to as "Incentive Compensation") for each
calendar year (each a "Bonus Period") during the Term of Employment based on
established objective goals to be agreed upon by the Board, or the Compensation
Committee of the Board. The goals shall be quantitative, definite, and
reasonably attainable. Payment shall be accompanied by a statement reflecting
the bonus formula computation. The Executive shall have the right to review and
contest the bonus computation.

                                      -2-

<PAGE>   3

                           b.       For the Bonus Period in which the
Executive's employment with the Company terminates for any reason other
than by the Company for Cause under Section 5.1 hereof, the Company shall pay
the Executive a pro rata portion (based upon the period ending on the date on
which the Executive's employment with the Company terminates) of the bonus
otherwise payable under Section 3.2a for the Bonus Period in which such
termination of employment occurs; provided, however, that the Bonus Period shall
be deemed to end on the last day of the fiscal quarter of the Company in which
the Executive's employment so terminates. The Incentive Compensation for this
Bonus Period is sometimes hereinafter referred to as the "Termination Year
Bonus".

                           c.       The Executive shall receive such additional
bonuses, if any, as the Board may in its sole and absolute discretion determine.

                           d.       Any Incentive Compensation payable pursuant
to this Section 3.2 shall be paid by the Company to the Executive within 2 1/2
months after the end of the Bonus Period for which it is payable.

         4.       EXPENSE REIMBURSEMENT AND OTHER BENEFITS.

                  4.1      REIMBURSEMENT OF EXPENSES. Upon the submission of
proper substantiation by the Executive, and subject to such rules and guidelines
as the Company may from time to time adopt, the Company shall reimburse the
Executive for all reasonable expenses actually paid or incurred by the Executive
during the Term of Employment in the course of and pursuant to the business of
the Company. The Executive shall account to the Company in writing for all
expenses for which reimbursement is sought and shall supply to the Company
copies of all relevant invoices, receipts or other evidence reasonably requested
by the Company,

                  4.2      COMPENSATION/BENEFIT PROGRAMS. During the term of
Employment, the Executive shall be entitled to participate in all medical,
dental, hospitalization, accidental death and dismemberment, disability, travel
and life insurance plans, and any and all other plans as are presently and
hereinafter offered by the Company to its executives, including savings,
pension, profit-sharing and deferred compensation plans, subject to the general
eligibility and participation provisions set forth in such plans.

                  4.3      WORKING FACILITIES. During the Term of Employment,
the Company shall furnish the Executive with an office, secretarial help and
such other facilities and services suitable to his position and adequate for the
performance of his duties hereunder.

                  4.4      AUTOMOBILE. During the Term of Employment, the
Company shall provide the Executive with a non-accountable automobile allowance
of six hundred and fifty dollars ($650) per month.

                  4.5      STOCK OPTIONS. Immediately upon execution of this
Agreement, the

                                      -3-

<PAGE>   4
Company shall grant to the Executive options to purchase 230,000 shares of the
common stock of the Company in accordance with the Stock Option Agreement
attached as Exhibit "A" hereto and made a part hereof, under (and therefore
subject to all terms and conditions of) the Company's 1996 Incentive Stock
Option Plan as amended, and any successor plan thereto (the "Stock Option Plan")
and all rules of regulation of the Securities and Exchange Commission applicable
to stock option plans then in effect. The Executive shall be eligible to receive
such other stock option grants under the Stock Option Plan, and on such other
terms and conditions, as shall be determined by the Committee appointed pursuant
to the Stock Option Plan, or by the Board of Directors of the Company, in its
discretion and pursuant to the Stock Option Plan.

                  4.6      VACATION AND OTHER BENEFITS. The Executive shall be
entitled to five (5) weeks of vacation each calendar year during the Term of
Employment, to be taken at such times as the Executive and the Company shall
mutually determine and provided that no vacation time shall interfere with the
duties required to be rendered by the Executive hereunder. Any vacation time not
taken by Executive during any calendar year may be carried forward into any
succeeding calendar year. The Executive shall receive such additional benefits,
if any, as the Board of the Company shall from time to time determine.

         5.       TERMINATION.

                  5.1      TERMINATION FOR CAUSE. The Company shall at all times
have the right, upon written notice to the Executive, to terminate the Term of
Employment, for Cause. For purposes of this Agreement, the term "Cause" shall
mean (i) an action or omission of the Executive which constitutes a willful and
material breach of, or failure or refusal (other than by reason of his
disability) to perform his duties under, this Agreement which is not cured
within fifteen (15) days after receipt by the Executive of written notice of
same, (ii) fraud, embezzlement, misappropriation of funds or breach of trust in
connection with his services hereunder, or (iii) conviction of any crime which
involves dishonesty or a breach of trust. Any termination for Cause shall be
made in writing to the Executive, which notice shall set forth in detail all
acts or omissions upon which the Company is relying for such termination. The
Executive shall have the right to address the Board regarding the acts set
forth in the notice of termination. Upon any termination pursuant to this
Section 5.1, the Company shall (i) pay to the Executive his Base Salary to the
date of termination and (ii) pay to the Executive his accrued but unpaid
Incentive Compensation, if any, for any Bonus Period ending on or before the
date of the termination of Executive's employment with the Company. The Company
shall have no further liability hereunder (other than for reimbursement for
reasonable business expenses incurred prior to the date of termination, subject,
however, to the provisions of Section 4.1.

                  5.2      DISABILITY. The Company shall at all times have the
right, upon written notice to the Executive, to terminate the Term of
Employment, if the Executive shall become entitled to benefits under the
Company's long-term disability plan as then in effect, or, if the Executive
shall as the result of mental or physical incapacity, illness or disability,
become unable to perform his obligations hereunder for a period of 180 days in
any 12-month period. The Company shall have sole discretion based upon competent
medical advice to determine whether

                                      -4-

<PAGE>   5
the Executive continues to be disabled. Upon any termination pursuant to this
Section 5.2, the Company shall (i) pay to the Executive any unpaid Base Salary
through the effective date of termination specified in such notice, (ii) pay to
the Executive his accrued but unpaid Incentive Compensation, if any, for any
Bonus Period ending on or before the date of termination of the Executive's
employment with the Company, (iii) pay to the Executive a severance payment
equal to 12 months of the Executive's Base Salary at the time of the termination
of the Executive's employment with the Company and (iv) pay to the Executive his
Termination Year Bonus, if any, at the time provided in Section 3.2(d) hereof.
The Company shall have no further liability hereunder (other than for (x)
reimbursement for reasonable business expenses incurred prior to the date of
termination, subject, however to the provisions of Section 4.1, and (y) payment
of compensation for unused vacation days that have accumulated as of the date on
which such termination occurs).

         5.3      DEATH. Upon the death of the Executive during the Term
of Employment, the Company shall (i) pay to the estate of the deceased Executive
any unpaid Base Salary through the Executive's date of death, (ii) pay to the
estate of the deceased Executive his accrued but unpaid Incentive Compensation,
if any, for any Bonus Period ending on or before the executive's date of death,
and (iii) pay to the estate of the deceased Executive, the Executive's
Termination Year Bonus, if any, at the time provided in Section 3.2(d) hereof.
The Company shall have no further liability hereunder (other than for (x)
reimbursement for reasonable business expenses incurred prior to the date of the
Executive's death, subject, however, to the provisions of Section 4. 1, and (y)
payment of compensation for unused vacation days that have accumulated as of the
date on which such termination occurs).

         5.4      TERMINATION WITHOUT CAUSE. At any time the Company shall have
the right to terminate the Term of Employment by written notice to the
Executive. Upon any termination pursuant to this Section 5.4 (that is not a
termination under any of Sections 5.1, 5.2, 5.3, 5.5 or 5.6, the Company shall
(i) pay to the Executive any unpaid Base Salary through the effective date of
termination specified in such notice, (ii) pay to the Executive the accrued but
unpaid Incentive Compensation, if any, for any Bonus Period ending on or before
the date of the termination of the Executive's employment with the Company,
(iii) continue to pay the Executive's Base Salary for a period (the
"Continuation Period") through the date on which the Term of Employment would
have ended pursuant to Section 2 hereof in the absence of an earlier termination
pursuant to this Section 5, in the manner and at such time as the Base Salary
otherwise would have been payable to the Executive, (iv) continue to pay the
Executive Incentive Compensation and continue to provide the Executive with the
benefits he was receiving under Sections 4.2 and 4.4 hereof (the "Benefits")
through the end of the Continuation Period in the manner and at such times as
the Incentive Compensation or Benefits otherwise would have been payable or
provided to the Executive, (v) pay to the Executive his Termination Year Bonus,
if any, at the time provided in Section 3.2(d); and (iv) pay to the Executive as
a single lump sum payment, within 30 days of the Expiration Date, a lump sum
benefit equal to the value of the portion of his benefits under any savings,
pension, profit sharing or deferred compensation plans that are forfeited under
such plans by reason of the termination of his employment hereunder prior to the
end of the Continuation Period. In the event that the termination of Executive's

                                      -5-

<PAGE>   6
 employment hereunder shall occur on or before December 31, 1999, then the
 Incentive Compensation and Benefits payable under clause (iv) of this Section
 5.4 shall be equal to the amounts that would have been paid or provided to the
 Executive for the year ended December 31, 1999. In the event that
 termination of Executive's employment hereunder shall occur after December 31,
 1999, then the Incentive Compensation payable under clause (iv) of this Section
 5.4 shall be equal to the amount of Incentive Compensation payable to the
 Executive for the calendar year immediately preceding the termination of
 Executive's employment hereunder, and the Benefits shall be the Benefits
 provided to the Executive for the calendar year in which the Executive's
 employment hereunder terminates. In the event that the Company is unable to
 provide the Executive with any Benefits required hereunder under the Company's
 then existing benefit plans by reason of the termination of the Executive's
 employment pursuant to this Section 5.4, then the Company shall arrange to have
 issued for the benefit of the Executive and Executive's dependents individual
 policies of insurance providing benefits substantially similar to the Benefits.
 The Executive shall not be required to pay any premiums or other charges in an
 amount greater than that amount, if any, that the Executive would have paid
 while employed by the Company for the benefits so provided. Further, the
 Executive shall become immediately vested in his Stock Options in the same
 manner and to the same extent as if his employment hereunder terminated on the
 last day of the Continuation Period. The Company shall have no further
 liability hereunder (other than for (x) reimbursement for reasonable business
 expenses incurred prior to the date of termination, subject, however, to the
 provisions of Section 4.1, and (y) payment of compensation for unused vacation
 days that have accumulated as of the date on which such termination occurs).

         5.5      TERMINATION BY EXECUTIVE.

                  a.       The Executive shall at all times have the right, upon
thirty (30) days written notice to the Company, to terminate the Term of
Employment.

                  b.       Upon termination of the Term of Employment
pursuant to this Section 5.5 (that is not a termination under Section 5.6) by
the Executive without Good Reason, the Company shall (i) pay to the Executive
any unpaid Base Salary through the effective date of termination specified in
such notice and (ii) pay to the Executive his accrued but unpaid Incentive
Compensation, if any, for any Bonus Period ending on or before the termination
of Executive's employment with the Company. The Company shall have no further
liability hereunder (other than for (x) reimbursement for reasonable business
expenses incurred prior to the date of termination, subject, however, to the
provisions of Section 4.1, and (y) payment of compensation for unused vacation
days that have accumulated as of the date on which such termination occurs).

                  c.       Upon termination of the Term of Employment pursuant
to this Section 5.5 (that is not a termination under Section 5.6) by the
Executive for Good Reason, the Company shall pay to the Executive the same
amounts that would have been payable by the Company to the Executive under
Section 5.4 of this Agreement if the Term of Employment had been terminated by
the Company without Cause. The Company shall have no further liability

                                      -6-

<PAGE>   7
hereunder (other than for (x) reimbursement for reasonable business expenses
incurred prior to the date of termination, subject, however, to the provisions
of Section 4.1, and (y) payment of compensation for unused vacation days that
have accumulated as of the date on which such termination occurs).

                  d.       For purposes of this Agreement, "Good
Reason" shall mean (i) the assignment to the Executive of any duties
inconsistent in any respect with the Executive's position (including status,
offices, titles and reporting requirements), authority, duties or
responsibilities as contemplated by Section 1.2 of this Agreement, or any other
action by the Company which results in a diminution in such position, authority,
duties or responsibilities, excluding for this purpose an isolated,
insubstantial and inadvertent action not taken in bad faith and which is
remedied by the Company promptly after receipt of notice thereof given by the
Executive; (ii) any failure by the Company to comply with any of the provisions
of Article 3 or 4 of this Agreement, other than an isolated, insubstantial and
inadvertent failure not occurring in bad faith and which is remedied by the
Company promptly after receipt of notice thereof given by the Executive; (iii)
the Company's requiring the Executive to be based at any office or location
outside of Coconut Grove, Florida, except for travel reasonably required in the
performance of the Executive's responsibilities; (iv) any purported termination
by the Company of the Executive's employment otherwise than for Cause pursuant
to Section 5.1, or by reason of the Executive's disability pursuant to Section
5.2 of this Agreement, prior to the Expiration Date. For purposes of this
Section 5.5(d), any good faith determination of "Good Reason" made by the
Executive shall be conclusive.

         5.6      CHANGE IN CONTROL OF THE COMPANY.

                  a.       In the event that a Change in Control (as defined in
paragraph (c) of this Section 5.6) in the Company shall occur during the Term of
Employment, the Company shall pay to the Executive, within 30 days of such
Change in Control, a lump sum cash payment equal to the quotient obtained by
dividing (i) $600,000, by (ii) 100% minus the Executive's combined federal,
state and local marginal tax rate (determined based upon the assumptions set
forth in the last sentence of Section 5.7 (a) hereof),

                  b.       In the event that (i) a Change in Control (as defined
in paragraph (c) of this Section 5.6) in the Company shall occur during the Term
of Employment, and (ii) prior to the earlier of the Expiration Date and three
years after the date of the Change in Control, (x) the Term of Employment is
terminated by the Company without Cause pursuant to Section 5.4 hereof or (y)
the Executive terminates the Term of Employment for Good Reason pursuant to
Section 5.5(b) hereof, then the Company shall (1) pay to the Executive any
unpaid Base Salary through the effective date of termination, (2) pay to the
Executive the Incentive Compensation, if any, not yet paid to the Executive for
any year prior to such termination, at such time as the Incentive Compensation
otherwise would have been payable to the Executive, (3) pay to the Executive his
Termination Year Bonus, if any, at the time provided in Section 3.2 hereof,
and (4) pay to the Executive as a single lump sum cash payment, within 30 days
of the termination of his employment hereunder, a lump sum payment equal to the
sum of (x) three times the sum of

                                      -7-

<PAGE>   8
Executive's annual Base Salary, Incentive Compensation, and the value of the
annual fringe benefits (based upon their cost to the Company) required to be
provided to the Executive under Sections 4.2 and 4.4 hereof, for the year
immediately preceding the year in which his employment terminates, plus (y) the
value of the portion of his benefits under any savings, pension, profit sharing
or deferred compensation plans that are forfeited under those plans by reason of
the termination of his employment hereunder. Further, upon the Change in
Control, the Executive's Stock Options shall immediately vest. The payments
required pursuant to this paragraph (b) shall be in addition to any benefits
payable under paragraph (a) of this Section 5.6. The Company shall have no
further liability hereunder (other than for (1) reimbursement for reasonable
business expenses incurred prior to the date of termination, subject, however,
to the provisions of Section 4.1, and (2) payment of compensation for unused
vacation days that have accumulated as of the date on which such termination
occurs).

                  c.       For purposes of this Agreement, the term "Change in
Control" shall mean:

                           (i)      Approval by the shareholders of the Company
of (x) a reorganization, merger, consolidation or other form of corporate
transaction or series of transactions, in each case, with respect to which
persons who were the shareholders of the Company immediately prior to such
reorganization, merger or consolidation or other transaction do not, immediately
thereafter, own more than 50% of the combined voting power entitled to vote
generally in the election of directors of the reorganized, merged or
consolidated company's then outstanding voting securities, in substantially the
same proportions as their ownership immediately prior to such reorganization,
merger, consolidation or other transaction, or (y) a liquidation or dissolution
of the Company or (z) the sale of all or substantially all of the assets of the
Company (unless such reorganization, merger, consolidation or other corporate
transaction, liquidation, dissolution or sale is subsequently abandoned);

                           (ii)     Individuals who, as of the Commencement Date
of this Agreement, constitute the Board (the "Incumbent Board") cease for any
reason to constitute at least a majority of the Board, provided that any person
becoming a director subsequent to the Commencement Date of this Agreement whose
election or nomination for election by the Company's shareholders, was approved
by a vote of at least a majority of the directors then comprising the Incumbent
Board (other than an election or nomination of an individual whose initial
assumption of office is in connection with an actual or threatened election
contest relating to the election of the Directors of the Company, as such terms
are used in Rule 14a-11 of Regulation 14A promulgated under the Securities
Exchange Act) shall be, for purposes of this Agreement, considered as though
such person were a member of the Incumbent Board; or

                           (iii)    the acquisition (other than from the
Company) by any person, entity or "group", within the meaning of Section
13(d)(3) or 14(d)(2) of the Securities Exchange Act, of 25% or more of
either the then outstanding shares of the Company's Common Stock or the combined
voting power of the Company's then outstanding voting securities entitled to
vote generally in the election of directors (hereinafter referred to as the
ownership of a

                                      -8-

<PAGE>   9
"Controlling Interest") excluding, for this purpose, any acquisitions by (1) the
Company or its Subsidiaries, (2) any person, entity or "group" that as of the
Commencement Date of this Agreement owns beneficial ownership (within the
meaning of Rule 13d-3 promulgated under the Securities Exchange Act) of a
Controlling Interest or (3) any employee benefit plan of the Company or its
Subsidiaries.

         5.7      CERTAIN ADDITIONAL PAYMENTS BY THE COMPANY.

                  a.       Anything in this Agreement to the contrary
notwithstanding, in the event it shall be determined that any payment,
distribution or other action by the Company to or for the benefit of the
Executive (whether paid or payable or distributed or distributable pursuant to
the terms of this Agreement or otherwise, including any additional payments
required under this Section 5.7) (a "Payment") would be subject to an excise tax
imposed by Section 4999 of the Internal Revenue Code of 1986, as amended (the
"Code"), or any interest or penalties are incurred by the Executive with respect
to any such excise tax (such excise tax, together with any such interest and
penalties, are hereinafter collectively referred to as the "Excise Tax"), the
Company shall make a payment to the Executive (a "Gross-Up Payment") in an
amount such that after payment by the Executive of all taxes (including any
Excise Tax) imposed upon the Gross-Up Payment, the Executive retains (or has had
paid to the Internal Revenue Service on his behalf) an amount of the Gross-Up
Payment equal to the sum of (x) the Excise Tax imposed upon the Payments and (y)
the product of any deductions disallowed because of the inclusion of the
Gross-Up Payment in the Executive's adjusted gross income and the highest
applicable marginal rate of federal income taxation for the calendar year in
which the Gross-Up Payment is to be made. For purposes of determining the
amount of the Gross-Up Payment, the Executive shall be deemed to (i) pay federal
income taxes at the highest marginal rates of federal income taxation for the
calendar year in which the Gross-Up Payment is to be made, and (ii) pay
applicable state and local income taxes at the highest marginal rate of taxation
for the calendar year in which the Gross-Up Payment is to be made, net of the
maximum reduction in federal income taxes which could be obtained from deduction
of such state and local taxes.

                  b.       Subject to the provisions of paragraph (c) of this
Section 5.7, all determinations required to be made under this Section 5.7,
including whether and when a Gross Up Payment is required and the amount of such
Gross-Up Payment and the assumptions to be utilized in arriving at such
determination, shall be made by Arthur Anderson LLP (the "Accounting Firm")
which shall provide detailed supporting calculations both to the Company and the
Executive within 15 business days of the receipt of notice from the Executive
that there has been a Payment, or such earlier time as is requested by the
Company. In the event that the Accounting Firm is serving as accountant or
auditor for the individual, entity or group effecting the Change of Control, the
Executive shall appoint another nationally recognized accounting firm to make
the determinations required hereunder (which accounting firm shall then be
referred to as the Accounting Firm hereunder). All fees and expenses of the
Accounting Firm shall be borne solely by the Company. Any Gross-Up Payment, as
determined pursuant to this Section 5.7, shall be paid by the Company to the
Executive within five days of the receipt of the Accounting Firm's
determination. If the Accounting Firm determines that no Excise Tax is payable
by the

                                      -9-

<PAGE>   10
Executive, it shall furnish the Executive with a written opinion that failure to
report the Excise Tax on the Executive's applicable federal income tax return
would not result in the imposition of a negligence or similar penalty. Any
determination by the Accounting Firm shall be binding upon the Company and the
Executive. As a result of the uncertainty in the application of Section 4999 of
the Code at the time of the initial determination by the Accounting Firm
hereunder, it is possible that Gross-Up Payments which will not have been made
by the Company should have been made ("Underpayment"), consistent with the
calculations required to be made hereunder. In the event that the Company
exhausts its remedies pursuant to Section 5.7 and the Executive thereafter is
required to make a payment of any Excise Tax, the Accounting Firm shall
determine the amount of the Underpayment that has occurred and any such
Underpayment shall be promptly paid by the Company to or for the benefit of the
Executive.

                  c.       The Executive shall notify the Company in writing of
any claim by the Internal Revenue Service that, if successful, would require the
payment by the Company of the Gross-Up Payment. Such notification shall be given
as soon as practicable but no later than ten business days after the Executive
is informed in writing of such claim and shall apprise the Company of the nature
of such claim and the date on which such claim is requested to be paid. The
Executive shall not pay such claim prior to the expiration of the 30-day period
following the date on which it gives such notice to the Company (or such shorter
period ending on the date that any payment of taxes with respect to such claim
is due). If the Company notifies the Executive in writing prior to the
expiration of such period that it desires to contest such claim, the Executive
shall:

                           (i)      give the Company any information reasonably
requested by the Company relating to such claim,

                           (ii)     take such action in connection with
contesting such claim as the Company shall reasonably request in writing from
time to time, including, without limitation, accepting legal representation with
respect to such claim by an attorney reasonably selected by the Company,

                           (iii)    cooperate with the Company in good faith in
order effectively to contest such claim, and

                           (iv)     permit the Company to participate in any
proceedings relating to such claim;

provided, however, that the Company shall bear and pay directly all
costs and expenses (including additional interest and penalties) incurred in
connection with such contest and shall indemnify and hold the Executive
harmless, on an after-tax basis, for any Excise Tax or income tax (including
interest and penalties with respect thereto) imposed as a result of such
representation and payment of costs and expenses. Without limitation on the
foregoing provisions of this Section 5.7(c), the Company shall control all
proceedings taken in connection with such contest and, at its sole option, may
pursue or forego any and all administrative appeals, proceedings, hearings and
conferences

                                      -10-

<PAGE>   11
with the taxing authority in respect of such claim and may, at its sole
option, either direct the Executive to pay the tax claimed and sue for the
refund or contest the claim in any permissible manner, and the Executive agrees
to prosecute such contest to a determination before any administrative
tribunal, in a court of initial jurisdiction and in one or more appellate
courts, as the Company shall determine; provided, however, that if the Company
directs the Executive to pay such claim and sue for a refund, the Company shall
advance the amount of such payment to the Executive, on an interest-free basis
and shall indemnify and hold the Executive harmless, on an after-tax basis,
from any Excise Tax or income tax (including interest or penalties with respect
thereto) imposed with respect to such advance or with respect to any imputed
income with respect to such advance; and further provided that any extension
of the statute of limitations relating to payment of taxes for the taxable year
of the Executive with respect to which such contested amount is claimed to be
due is limited solely to such contested amount. Furthermore, the Company's
control of the contest shall be limited to issues with respect to which a
Gross-Up Payment would be payable hereunder and the Executive shall be entitled
to settle or contest, as the case may be, any other issue raised by the
Internal Revenue Service or any other taxing authority.

                           d.       If, after the receipt by the Executive of an
amount advanced by the Company pursuant to Section 5.7(c), the Executive becomes
entitled to receive any refund with respect to such claim, the Executive shall
(subject to the Company's complying with the requirements of Section 5.7(c))
promptly pay to the Company the amount of such refund (together with any
interest paid or credited thereon after taxes applicable thereto). If, after the
receipt by the Executive of an amount advanced by the Company pursuant to
Section 5.7(c), a determination is made that the Executive shall not be entitled
to any refund with respect to such claim and the Company does not notify the
Executive in writing of its intent to contest such denial of refund prior to the
expiration of 30 days after such determination, then such advance shall be
forgiven and shall not be required to be repaid and the amount of such advance
shall offset, to the extent thereof, the among of Gross-Up Payment required to
be paid.

                  5.8      RESIGNATION. Upon any termination of employment
pursuant to this Article 5, the Executive shall be deemed to have resigned as
an officer, and if he or she was then serving as a director of the Company, as
a director, and if required by the Board, the Executive hereby agrees to
immediately execute a resignation letter to the Board.

                  5.9      SURVIVAL. The provisions of this Article 5 shall
survive the termination of this Agreement, as applicable.

         6.       CONFIDENTIAL INFORMATION AND OWNERSHIP OF DEVELOPMENTS.

                  6.1      NONDISCLOSURE. The Executive shall not at any time
divulge, communicate, use to the detriment of the Company or for the benefit of
any other person or persons, or misuse in any way, any Confidential Information
(as hereinafter defined) pertaining to the business of the Company. Any
Confidential Information or data now or hereafter acquired by the Executive
with respect to the business of the Company (which shall include, but not be
limited to, information concerning the Company's financial condition,
prospects, technology, customers,

                                       -11-
<PAGE>   12
suppliers, sources of leads and methods of doing business) shall be deemed a
valuable, special and unique asset of the Company that is received by the
Executive in confidence and as a fiduciary, and Executive shall remain a
fiduciary to the Company with respect to all of such information. For purposes
of this Agreement, "Confidential Information" means information disclosed to the
Executive or known by the Executive as a consequence of or through his
employment by the Company (including information conceived, originated,
discovered or developed by the Executive) prior to or after the date hereof, and
not generally known, about the Company or its business. Notwithstanding the
foregoing, nothing herein shall be deemed to restrict the Executive from
disclosing Confidential Information to the extent required by law.

                  6.2      OWNERSHIP OF DEVELOPMENTS. All copyrights, patents,
trade secrets, or other intellectual property rights associated with any ideas,
concepts, techniques, inventions, processes, or works of authorship developed or
created by Executive during the course of performing work for the Company or its
clients (collectively, the "Work Product") shall belong exclusively to the
Company and shall, to the extent possible, be considered a work made by the
Executive for hire for the Company within the meaning of Title 17 of the United
States Code. To the extent the Work Product may not be considered work made by
the Executive for hire for the Company, the Executive agrees to assign, and
automatically assign at the time of creation of the Work Product, without any
requirement of further consideration, any right, title, or interest the
Executive may have in such Work Product. Upon the request of the Company, the
Executive shall take such further actions, including execution and delivery of
instruments of conveyance, as may be appropriate to give full and proper effect
to such assignment.

                  6.3      BOOKS AND RECORDS. All books, records, and accounts
relating in any manner to the customers or clients of the Company, whether
prepared by the Executive or otherwise coming into the Executive's possession,
shall be the exclusive property of the Company and shall be returned immediately
to the Company on termination of the Executive's employment hereunder or on the
Company's request at any time.

                  6.4      DEFINITION OF COMPANY. Solely for purposes of this
Article 6, the term "Company" also shall include any existing or future
subsidiaries of the Company that are operating during the time periods described
herein and any other entities that directly or indirectly, through one or more
intermediaries, control, are controlled by or are under common control with the
Company during the periods described herein.

                  6.5      ACKNOWLEDGEMENT BY EXECUTIVE. The Executive
acknowledges and confirms that the provisions contained in this Article 6 are
reasonably necessary to protect the legitimate business interests of the
Company. The Executive further acknowledges that the restrictions contained in
this Article 6 are intended to be, and shall be, for the benefit of and shall be
enforceable by, the Company's successors and assigns.

                  6.6      REFORMATION BY COURT. In the event that a court of
competent jurisdiction shall determine that any provision of this Article 6 is
invalid or more restrictive than permitted under the governing law of such
jurisdiction, then only as to enforcement of this Article 6 within

                                      -12-

<PAGE>   13
the jurisdiction of such court, such provision shall be interpreted and enforced
as if it provided for the maximum restriction permitted under such governing
law.

                  6.7      EXTENSION OF TIME. If the Executive shall be in
violation of any provision of this Article 6, then each time limitation set
forth in this Article 6 shall be extended for a period of time equal to the
period of time during which such violation or violations occur. If the Company
seeks injunctive relief from such violation in any court, then the covenants set
forth in this Article 6 shall be extended for a period of time equal to the
pendency of such proceeding including all appeals by the Executive.

                  6.8      SURVIVAL. The provisions of this Article 6 shall
survive the termination of this Agreement, as applicable.

         7.       INJUNCTION. It is recognized and hereby acknowledged by the
parties hereto that a breach by the Executive of any of the covenants contained
in Article 6 of this Agreement will cause irreparable harm and damage to the
Company, the monetary amount of which may be virtually impossible to ascertain.
As a result, the Executive recognizes and hereby acknowledges that the Company
shall be entitled to an injunction from any court of competent jurisdiction
enjoining and restraining any violation of any or all of the covenants contained
in Article 6 of this Agreement by the Executive or any of his affiliates,
associates, partners or agents, either directly or indirectly, and that such
right to injunction shall be cumulative and in addition to whatever other
remedies the Company may possess.

         8.       ASSIGNMENT. Neither party shall have the right to assign or
delegate his rights or obligations hereunder, or any portion thereof, to any
other person.

         9.       GOVERNING LAW. This Agreement shall be governed by and
construed in accordance with the laws of the State of Florida.

         10.      ENTIRE AGREEMENT. This Agreement constitutes the entire
agreement between the parties hereto with respect to the subject matter hereof
and, upon its effectiveness, shall supersede all prior agreements,
understandings and arrangements, both oral and written, between the Executive
and the Company (or any of its affiliates) with respect to such subject matter.
This Agreement may not be modified in any way unless by a written instrument
signed by both the Company and the Executive.

         11.      NOTICES. All notices required or permitted to be given
hereunder shall be in writing and shall be personally delivered by courier, sent
by registered or certified mail, return receipt requested or sent by confirmed
facsimile transmission addressed as set forth herein. Notices personally
delivered, sent by facsimile or sent by overnight courier shall be deemed given
on the date of delivery, and notices mailed in accordance with the foregoing
shall be deemed given upon the earlier of receipt by the addressee, as evidenced
by the return receipt thereof, or three (3) days after deposit in the U.S.
mail. Notice shall be sent (i) if to the Company, addressed to 2701 S. Bayshore
Dr.,Miami, FL 33133, Attention: Human Resources,

                                      -13-

<PAGE>   14
and (ii) if to the Executive, to his address as reflected on the payroll records
of the Company, or to such other address as either party hereto may from time to
time give notice of to the other.

         12.      BENEFITS: BINDING EFFECT. This Agreement shall be for the
benefit of and binding upon the parties hereto and their respective heirs,
personal representatives, legal representatives, successors and, where
applicable, assigns, including, without limitation, any successor to the
Company, whether by merger, consolidation, sale of stock, sale of assets or
otherwise.

         13.      SEVERABILITY. The invalidity of any one or more of the words,
phrases, sentences, clauses or sections contained in this Agreement shall not
affect the enforceability of the remaining portions of this Agreement or any
part thereof, all of which are inserted conditionally on their being valid in
law, and, in the event that any one or more of the words, phrases, sentences,
clauses or sections contained in this Agreement shall be declared invalid, this
Agreement shall be construed as if such invalid word or words, phrase or
phrases, sentence or sentences, clause or clauses, or section or sections had
not been inserted. If such invalidity is caused by length of time or size of
area, or both, the otherwise invalid provision will be considered to be reduced
to a period or area which would cure such invalidity.

         14.      WAIVERS. The waiver by either party hereto of a breach or
violation of any term or provision of this Agreement shall not operate nor be
construed as a waiver of any subsequent breach or violation.

                                      -14-

<PAGE>   15

         15.      DAMAGES. Nothing contained herein shall be construed to
prevent the Company or the Executive from seeking and recovering from the other
damages sustained by either or both of them as a result of its or his breach of
any term or provision of this Agreement. In the event that either party hereto
brings suit for the collection of any damages resulting from, or the injunction
of any action constituting, a breach of any of the terms or provisions of this
Agreement, then the party found to be at fault shall pay all reasonable court
costs and attorneys' fees of the other.

         16.      SECTION HEADINGS. The section headings contained in this
Agreement are for reference purposes only and shall not affect in any way the
meaning or interpretation of this Agreement.

         17.      NO THIRD PARTY BENEFICIARY. Nothing expressed or implied in
this Agreement is intended, or shall be construed, to confer upon or give any
person other than the Company, the parties hereto and their respective heirs,
personal representatives, legal representatives, successors and assigns, any
rights or remedies under or by reason of this Agreement.

         IN WITNESS WHEREOF, the undersigned have executed this Agreement as of
the date first above written.

                                             COMPANY:

                                             Affiliate Networks, Inc.

                                             By: /s/ George Glazer
                                                ------------------------------
                                                Name: George Glazer
                                                Title: Chm. Compensation
                                                         Committee
                                                        Board of Directors

                                             EXECUTIVE:

                                             /s/ David A. Schwedel
                                             ---------------------------------
                                             David A. Schwedel

                                      -15-

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