Document:

EXHIBIT 10.2

                            INDEMNIFICATION AGREEMENT

                  THIS  INDEMNIFICATION  AGREEMENT  (this  "Agreement")  is made
effective  March 24, 2000 by and among Talk.com,  Inc., a Delaware  corporation,
("Purchaser") and Access One Communications Corp., a New Jersey corporation (the
"Company" or the "Surviving Corporation").

                  WHEREAS,  Purchaser,  Aladdin  Acquisition  Corp.,  a Delaware
corporation and a wholly-owned  subsidiary of Purchaser  ("Merger  Subsidiary"),
and the Company  entered  into an  Agreement  and Plan of Merger dated March 24,
2000 (the "Merger  Agreement"),  providing  for the merger of Merger  Subsidiary
with and into the Company (the "Merger").

                  NOW,  THEREFORE,  in  consideration  of the  premises  and the
mutual  covenants  set forth herein,  and as an  inducement  to  consummate  the
Merger, the parties hereto hereby agree as follows:

         1. Defined  Terms.  Capitalized  terms used and not defined herein have
the respective meanings ascribed to them in the Merger Agreement.

         2. Indemnification by the Company and the Stockholders.

                  (a) Subject to the  limitations  of Section 2(b), the Company,
prior to the  Effective  Time  agrees,  and all of the holders of the  Company's
securities  (including  but not  limited to holders of capital  stock,  warrants
and/or options) (the "Stockholders"), jointly and severally, after the Effective
Time agree,  to indemnify in full Purchaser,  Merger  Subsidiary and the Company
and their respective  officers,  directors,  employees,  agents and shareholders
(collectively,  the  "Purchaser  Indemnified  Parties")  and hold them  harmless
against any loss,  liability,  deficiency,  damage,  expense or cost  (including
reasonable legal expenses), actually incurred or paid (collectively,  "Losses"),
which Purchaser  Indemnified  Parties may suffer,  sustain or become subject to,
prior to the first  anniversary  of the  Effective  Time, as a result of (i) any
misrepresentation  in any of the  representations  and warranties of the Company
contained in the Merger Agreement or in any exhibits, schedules, certificates or
other  documents  delivered  or to be  delivered  by or on behalf of the Company
pursuant  to the  terms of the  Merger  Agreement  or  otherwise  referenced  or
incorporated in the Merger Agreement (collectively,  the "Company Documents") or
(ii) any breach of, or failure to  perform,  any  agreement  or  covenant of the
Company  or the  Stockholders  contained  in the  Merger  Agreement,  the Voting
Agreement,  this  Agreement  or  any  of the  Company  Documents  (collectively,
"Purchaser Losses").

                  (b) The  Company  and the  Stockholders  will be liable to the
Purchaser  Indemnified  Parties for any  Purchaser  Losses (i) only if Purchaser
Indemnified Parties deliver to the Company and the Stockholders  written notice,
setting forth in reasonable detail the identity,  nature and amount of Purchaser
Losses  related to such claim or claims  prior to the first  anniversary  of the
Effective  Time and (ii) only if the aggregate  amount of all  Purchaser  Losses
exceeds One Million Dollars  ($1,000,000) (the "Basket  Amount"),  in which case
the Company and the  Stockholders  shall be obligated to indemnify the Purchaser
Indemnified Parties for the

                                       -i-
<PAGE>

excess of the  aggregate  amount of all such  Purchaser  Losses  over the Basket
Amount. A Purchaser  Indemnified  Party's failure to provide the detail required
by clause (i) in the preceding  sentence shall not constitute either a breach of
this Agreement by the Purchaser  Indemnified  Party or any basis for the Company
or the Stockholders to assert that a Purchaser  Indemnified Party did not comply
with the terms of this Section 2 sufficient to cause the  Purchaser  Indemnified
Party to have  waived its  rights  under this  Section  2.  Notwithstanding  the
foregoing,  the Company and the  Stockholders  shall not be liable for Purchaser
Losses that cannot be satisfied from the proceeds of Parent Shares held pursuant
to the Escrow Agreement.

         3. Indemnification by Purchaser.

                  (a)  Subject to the  limitations  of Section  3(b),  Purchaser
agrees to indemnify in full the  Stockholders  (collectively,  the  "Stockholder
Indemnified Parties") and hold them harmless against any Losses which any of the
Stockholder  Indemnified Parties may suffer,  sustain or become subject to prior
to the  first  anniversary  of  the  Effective  Time:  (i)  as a  result  of any
misrepresentation  in any of the representations and warranties of Purchaser and
Merger Subsidiary  contained in the Merger Agreement and (ii) as a result of any
breach  of,  or  failure  to  perform,  any  agreement  of  Purchaser  or Merger
Subsidiary  contained  in  the  Merger  Agreement  (collectively,   "Stockholder
Losses").

                  (b) Purchaser  will be liable to the  Stockholder  Indemnified
Parties for any  Stockholder  Losses  only if  Stockholder  Indemnified  Parties
deliver to Purchaser  written  notice,  setting forth in  reasonable  detail the
identity,  nature  and  amount of  Stockholder  Losses  related to such claim or
claims prior to the first  anniversary  of the  Effective  Time.  A  Stockholder
Indemnified  Party's  failure to provide the detail  required  by the  preceding
sentence shall not  constitute  either a breach of this Agreement by the Company
or the Stockholders or any basis for Purchaser to assert that the Company or the
Stockholders did not comply with the terms of this Section 3 sufficient to cause
either the Company or the  Stockholders  to have waived  their rights under this
Section 3.

         4. Method of Asserting Claims.  As used herein, an "Indemnified  Party"
shall  refer to a  "Purchaser  Indemnified  Party" or  "Stockholder  Indemnified
Party," as  applicable,  the  "Notifying  Party" shall refer to the party hereto
whose Indemnified  Parties are entitled to  indemnification  hereunder,  and the
"Indemnifying Party" shall refer to the party hereto obligated to indemnify such
Notifying Party's Indemnified Parties.

                  (a) In the event that any of the Indemnified Parties is made a
defendant in or party to any action or proceeding,  judicial or  administrative,
instituted by any third party for  liabilities (or the related costs or expenses
of which) are Losses (any such third party action or proceeding  being  referred
to as a "Claim"),  the Notifying Party shall give the Indemnifying  Party prompt
notice thereof. The failure to give such notice shall not affect any Indemnified
Party's  ability to seek  reimbursement  unless such failure has  materially and
adversely  affected the  Indemnifying  Party's ability to defend  successfully a
Claim.  The  Indemnifying  Party  shall be  entitled  to contest and defend such
Claims  provided  that the  Indemnifying  Party (i) has a  reasonable  basis for
concluding that such defense may be successful and (ii) diligently  contests and
defends  such Claim.  Notice of the  intention so to contest and defend shall be
given by the  Indemnifying  Party to the  Notifying  Party  within  twenty  (20)
business  days after the  Notifying

                                      -ii-
<PAGE>

Party's  notice of such Claim (but,  in all events,  at least five (5)  business
days  prior to the date that  answer to such  Claims is due to be  filed).  Such
contest and defense  shall be conducted by reputable  attorneys  employed by the
Indemnifying  Party.  The Notifying  Party shall be entitled at any time, at its
own cost and  expense  (which  expense  shall not  constitute  a Loss unless the
Notifying  Party  reasonably  determines  that  the  Indemnifying  Party  is not
adequately  representing  or,  because  of  a  conflict  of  interest,  may  not
adequately represent,  any interests of the Indemnified Parties, and only to the
extent that such expenses are  reasonable),  to  participate in such contest and
defense and to be represented by attorneys of its or their own choosing.  If the
Notifying Party elects to participate in such defense,  the Notifying Party will
cooperate with the  Indemnifying  Party in the conduct of such defense.  Neither
the Notifying Party nor the Indemnifying Party may concede, settle or compromise
any Claim  without the consent of the other party,  which  consents  will not be
unreasonably  withheld.  Notwithstanding  the  foregoing,  (i) if a Claim  seeks
equitable relief or (ii) if the subject matter of a Claim relates to the ongoing
business of any of the Indemnified Parties,  which Claim, if decided against any
of the  Indemnified  Parties,  would  materially  adversely  affect the  ongoing
business or reputation  of any of the  Indemnified  Parties,  then, in each such
case,  the  Indemnified  Parties alone shall be entitled to contest,  defend and
settle such Claim in the first instance and, if the  Indemnified  Parties do not
contest,  defend or settle such  Claim,  the  Indemnifying  Party shall have the
right to contest and defend (but not settle) such Claim.

                  (b) In the event any  Indemnified  Party  should  have a claim
against  any  Indemnifying  Party that does not involve a Claim,  the  Notifying
Party shall  deliver a notice of such claim with  reasonable  promptness  to the
Indemnifying  Party. If the Indemnifying Party notifies the Notifying Party that
it does not  dispute the claim  described  in such notice or fails to notify the
Notifying  Party  within  thirty (30) days after  delivery of such notice by the
Notifying Party whether the  Indemnifying  Party disputes the claim described in
such notice,  the Loss in the amount  specified in the Notifying  Party's notice
will be  conclusively  deemed a  liability  of the  Indemnifying  Party  and the
Indemnifying Party shall pay the amount of such Loss to the Indemnified Party on
demand. If the Indemnifying Party has timely disputed its Liability with respect
to such claims,  the Chief Executive  Officers of each of the Indemnifying Party
and the Notifying  Party (or the principal  individuals  involved in the case of
the  Stockholders)  will proceed in good faith to negotiate a resolution of such
dispute,  and if not resolved  through the  negotiations of such Chief Executive
Officers or principal  individuals  within sixty (60) days after the delivery of
the  Notifying  Party's  notice of such claims,  such dispute  shall be resolved
fully and finally by an  arbitrator  selected  pursuant  to, and an  arbitration
governed  by  the  Commercial  Arbitration  Rules  of the  American  Arbitration
Association.  The  arbitrator  shall resolve the dispute within thirty (30) days
after  selection and judgment on the award  rendered by such  arbitrator  may be
entered in any court of competent jurisdiction.

                  (c) After the Closing,  the rights set forth in this Agreement
and the Escrow  Agreement  shall be each  party's  sole and  exclusive  remedies
against the other party hereto for  misrepresentations  or breaches of covenants
contained in the Merger  Agreement or this Agreement and the Related  Documents.
Notwithstanding  the  foregoing,   nothing  herein  shall  prevent  any  of  the
Indemnified  Parties from bringing an action based upon  allegations of fraud or
other intentional  breach of an obligation of or with respect to either party in
connection  with  the  Merger  Agreement  or  this  Agreement  and  the  Related
Documents.  In  the  event  such  action  is  brought,  the  prevailing  party's
attorneys' fees and costs shall be paid by the nonprevailing party.

                                     -iii-

<PAGE>

         5.   Contribution.   In  order  to  provide  for  just  and   equitable
contribution in circumstances in which the indemnification  provided for in this
Agreement  for any reason is held to be  unenforceable  although  applicable  in
accordance with its terms,  the  Stockholders,  jointly and severally,  agree to
contribute the Escrow Amount to satisfy the Purchaser Losses.

         6.  Counterparts.  This  Agreement  may be  executed  in  two  or  more
counterparts,  each of  which  shall  be  deemed  an  original  but all of which
together shall constitute one and the same instrument.

         7. No Third-Party Beneficiaries.  Notwithstanding any term or provision
of this  Agreement,  this  Agreement does not create any right of subrogation or
enforcement  on the part of (and shall not inure to the  benefit  of) any person
other than the  parties  hereto or their  respective  successors  and  permitted
assigns.

         8. Governing Law;  Forum;  Jury Trial Waiver.  THIS AGREEMENT  SHALL BE
GOVERNED BY AND CONSTRUED IN  ACCORDANCE  WITH THE DOMESTIC LAWS OF THE STATE OF
DELAWARE  WITHOUT  GIVING  EFFECT TO ANY CHOICE OR CONFLICT OF LAW  PROVISION OR
RULE  (WHETHER OF THE STATE OF DELAWARE  OR ANY OTHER  JURISDICTION)  THAT WOULD
CAUSE THE  APPLICATION OF THE LAWS OF ANY  JURISDICTION  OTHER THAN THE STATE OF
DELAWARE.  Each of the  parties  submits  to the  jurisdiction  of any  state or
federal  court  sitting  in  the  Commonwealth  of  Virginia  in any  action  or
proceeding  arising  out of or relating  to this  Agreement  and agrees that all
claims in respect of the action or proceeding may be heard and determined in any
such court. Each party also agrees not to bring any action or proceeding arising
out of or relating to this  Agreement  in any other  court.  Each of the parties
waives any defense of  inconvenient  forum to the  maintenance  of any action or
proceeding so brought and waives any bond,  surety or other  security that might
be required of any other party with  respect  thereto.  Each party  appoints C-T
Corporation  (the "Process  Agent") as his or its agent to receive on his or its
behalf service of copies of the summons and complaint and any other process that
might be served in the action or  proceeding.  Any party may make service on any
other party by sending or  delivering  a copy of the process (A) to the party to
be served at the address and in the manner provided for the giving of notices in
Section 10 below or (B) to the party to be served in care of the  Process  Agent
at the address and in the manner  provided  for the giving of notices in Section
10 below.  Nothing in this  Section 8,  however,  shall  affect the right of any
party to serve legal process in any other manner  permitted by law or at equity.
Each party agrees that a final  judgment in any action or  proceeding so brought
shall be conclusive  and may be enforced by suit on the judgment or in any other
manner provided by law or at equity.  EACH PARTY HEREBY  IRREVOCABLY  WAIVES, TO
THE FULLEST EXTENT  PERMITTED BY LAW, ALL RIGHTS TO TRIAL BY JURY IN ANY ACTION,
PROCEEDING  OR  COUNTERCLAIM  (WHETHER  BASED ON  CONTRACT,  TORT OR  OTHERWISE)
ARISING  OUT OF OR  RELATING  TO  THIS  AGREEMENT  OR  ANY  OF THE  TRANSACTIONS
CONTEMPLATED HEREBY.

         9.  Assignability.  This Agreement shall not be assignable by any party
hereto without the prior written consent of the other parties hereto;  provided,
however,  that in the event of the death of any Stockholder,  such Stockholder's
estate, personal representatives,  executors,  heirs and legatees shall be bound
hereby as if a party hereto.

                                      -iv-

<PAGE>

         10.  Notices.  Any  notices  required  to be given  hereunder  shall be
delivered in accordance with Section 9(g) of the Merger Agreement,  with notices
to the  Stockholders  being sent to the  respective  addresses  specified on the
signature pages hereof.

         11.  Entire  Agreement.   This  Agreement  (together  with  the  Merger
Agreement  and the  Related  Documents)  constitutes  the entire  agreement  and
supersedes all prior agreements and understandings, both written and oral, among
the parties with respect to the subject matter hereof.

         12.  Severability.  If any term or other provision of this Agreement is
invalid, illegal or unenforceable,  all other provisions of this Agreement shall
remain in full force and effect so long as the  economic or legal  substance  of
the transactions  contemplated  hereby is not affected in any manner  materially
adverse to any party.

                  IN  WITNESS  WHEREOF,   the  undersigned  have  executed  this
Agreement effective on the date first set forth above.

                                           TALK.COM, INC.

                                           By:
                                              ----------------------------------
                                           Its:

                                           ACCESS ONE COMMUNICATIONS CORP.

                                           By:
                                              ----------------------------------
                                           Its:

                                      -v-EXHIBIT 10.3

                              EMPLOYMENT AGREEMENT

                  THIS EMPLOYMENT  AGREEMENT  ("Agreement")  is made and entered
into the 24th day of March, 2000, between Talk.com, Inc., a Delaware corporation
(the "Company"), and Kenneth G. Baritz ("Employee"). WHEREAS, Company desires to
employ  Employee  and Employee  desires to be employed by Company;  and WHEREAS,
Company and  Employee  desire to enter into this  Agreement  that sets forth the
terms and conditions of said
employment.

                  NOW THEREFORE,  in consideration of the foregoing,  the mutual
covenants  set forth  herein  and other  good and  valuable  consideration,  the
receipt and sufficiency of which is hereby acknowledged,  the undersigned hereby
agree as follows:

         1. EMPLOYMENT.  Company agrees to employ Employee, and Employee accepts
such  employment  and agrees to serve  Company,  on the terms and conditions set
forth  herein.  Except as otherwise  specifically  provided  herein,  Employee's
employment shall be subject to the employment  policies and practices of Company
in effect from time to time during the term of Employee's  employment  hereunder
(including,   without  limitation,   its  practices  as  to  tax  reporting  and
withholding).

         2. TERM OF AGREEMENT. The term of Employee's employment hereunder shall
commence  on the date  hereof (the  "Commencement  Date") and shall  continue in
effect for a period of three years  thereafter,  except as hereinafter  provided
(the "Term").

         3. POSITIONS AND DUTIES.

         3.1 OFFICER  POSITIONS.  Except as may otherwise be agreed upon between
Company  and  Employee,  Employee  shall  perform  such  duties  and  have  such
responsibilities  as  President  of the  Company,  and  such  other  duties  and
responsibilities  consistent with the foregoing duties and  responsibilities  as
may be  reasonably  assigned or  delegated to him from time to time by Company's
Chief  Executive   Officer  or  Company's  Board  of  Directors  (the  "Board"),
including,  without limitation,  service as an employee,  officer or director of
affiliates  (as that term is  defined  in Rule 405 under the  Securities  Act of
1933, as amended (the "Act"))  (hereinafter,  "Affiliates") of Company,  without
additional  compensation.  References in this Agreement to Employee's employment
with Company shall be deemed to refer to employment with Company and/or,  as the
case may be, an  Affiliate,  as the context  requires.  Other than travel in the
ordinary course of

                                      -vi-
<PAGE>

business,  Employee's duties and responsibilities  shall be undertaken primarily
at the current  offices of the  Company's  wholly-owned  subsidiary,  Access One
Communications  Corp.,  or  within a fifty  (50)  mile  radius  of such  current
offices.  Employee shall perform his duties and  responsibilities to the best of
his  abilities  hereunder in a diligent,  businesslike  manner.  Employee  shall
devote  substantially  all of his working  time and efforts to the  business and
affairs of Company;  provided,  however,  that nothing in this  Agreement  shall
preclude  Employee  from (a) engaging in  charitable  activities  and  community
affairs,  and (b) managing his personal  investments and affairs (subject to the
limitations in Section 10 hereof).

         4. COMPENSATION AND RELATED MATTERS.

         4.1 BASE SALARY.  During the Term, Company shall pay to Employee a base
salary ("Base Salary") at the rate of Three Hundred Thousand Dollars  ($300,000)
per year,  which  Base  Salary  shall be paid to  Employee  in  accordance  with
Company's usual and customary payroll practices.

         4.2  BENEFIT  PLANS AND  ARRANGEMENTS.  Employee  shall be  entitled to
participate in and to receive  benefits under Company's  employee  benefit plans
and  arrangements  (including,  but not  limited  to,  bonus  plans) as are made
available to the Company's  senior  executive  officers  during the Term,  which
employee  benefit plans and arrangements may be altered from time to time at the
discretion of the Board (the "Benefits").  Employee acknowledges and agrees that
bonuses,  annual or otherwise,  are performance based and discretionary with the
Chairman and a committee of the Board of Directors.

         4.3 PERQUISITES. During the Term, Employee shall be entitled to receive
fringe benefits as are made available to Company's senior executive officers.

         4.4  EXPENSES.  Company  shall  promptly  reimburse  Employee  for  all
out-of-pocket  expenses related to Company's  business that are actually paid or
incurred by him in the performance of his services under this Agreement and that
are incurred,  reported and documented in accordance with Company's policies. In
addition,  during the Term, Company will provide Employee with an automobile, as
Company shall determine, and Company shall keep such automobile fully insured in
accordance with Company's practices for similarly situated employees.

         4.5 STOCK OPTIONS.

              (a) GRANT OF OPTIONS. Effective on the date hereof, Employee shall
be granted an option (the  "Option")  to  purchase  One  Million  Three  Hundred
Thousand  (1,300,000)  shares of Common Stock in accordance  with a stock option
agreement to be mutually  agreed to, and executed by, Company and Employee prior
to the Commencement Date, which stock option agreement shall be in substantially
the form thereof attached hereto as Exhibit A. The Option shall have an exercise
price equal to $13.69 per share,  which is equal to the fair market value of the
Common Stock on the date hereof,  shall expire on the tenth  anniversary  of the
date  hereof  and shall  vest and become  exercisable,  subject  to  accelerated
vesting  in the event of a Change in  Control  (defined  as  provided  below) of
Company in installments,  as follows: (i) options with respect to 433,333 shares
of Common Stock shall vest and become  exercisable  on the first

                                      -vii-
<PAGE>

anniversary  of the date hereof,  (ii) options with respect to 433,333 shares of
Common Stock shall vest and become  exercisable on the second anniversary of the
date hereof and (iii)  options  with  respect to 433,334  shares of Common Stock
shall vest and become  exercisable on the third  anniversary of the date hereof.
In the  event  of a  Change  in  Control  of  Company,  the  Option  shall  vest
immediately  and become  exercisable as to all shares then subject  thereto that
are not then vested and exercisable.  For purposes of this Agreement, "Change in
Control" shall be deemed to have occurred if:

                         (i) any Person (as defined in Section 3(a)(9) under the
                  Securities  Exchange Act of 1934,  as amended  (the  "Exchange
                  Act")),  other than the Company,  becomes the Beneficial Owner
                  (as defined in Rule 13d-3 under the  Exchange  Act;  provided,
                  that a Person  shall be deemed to be the  Beneficial  Owner of
                  all  shares  that any such  Person  has the  right to  acquire
                  pursuant to any agreement or  arrangement  or upon exercise of
                  conversion  rights,  warrants,  options or otherwise,  without
                  regard to the 60 day period  referred  to in Rule 13d-3  under
                  the Exchange Act),  directly or  indirectly,  of securities of
                  the Company or any  Significant  Subsidiary (as defined below)
                  representing  50% or more of the combined  voting power of the
                  Company's,  or such  subsidiary's,  as the case  may be,  then
                  outstanding securities;

                         (ii) during any period of two years, individuals who at
                  the beginning of such period  constitute the Board and any new
                  director (other than a director designated by a person who has
                  entered  into an  agreement  with  the  Company  to  effect  a
                  transaction  described in clauses (i),  (iii), or (iv) of this
                  Section 2(a)) whose  election by the Board or  nomination  for
                  election by  stockholders  was  approved by a vote of at least
                  two-thirds  (2/3) of the  directors  then  still in office who
                  either were directors at the beginning of the two-year  period
                  or whose election or nomination for election was previously so
                  approved, but excluding for this purpose any such new director
                  whose  initial  assumption  of  office  occurs  as a result of
                  either an  actual  or  threatened  election  contest  or other
                  actual or threatened solicitation of proxies or consents by or
                  on behalf of an individual,  corporation,  partnership, group,
                  association  or other entity  other than the Board,  cease for
                  any reason to  constitute  at least a majority of the Board of
                  either or the Company or a Significant Subsidiary;

                         (iii) the  consummation of a merger or consolidation of
                  the Company or any subsidiary of the Company  owning  directly
                  or indirectly  all or  substantially  all of the  consolidated
                  assets of the Company ( a "Significant  Subsidiary")  with any
                  other entity, other than a merger or consolidation which would
                  result  in  the  voting   securities   of  the  Company  or  a
                  Significant Subsidiary  outstanding  immediately prior thereto
                  continuing  to represent  more than fifty percent (50%)

                                     -viii-
<PAGE>

                  of the  combined  voting  power of the  surviving or resulting
                  entity   outstanding   immediately   after   such   merger  or
                  consolidation;

                         (iv) the  shareholders of the Company approve a plan or
                  agreement for the sale or  disposition  of fifty percent (50%)
                  or more of the  consolidated  assets of the  Company  in which
                  case the  Board  shall  determine  the  effective  date of the
                  Change of Control resulting therefrom;

                         (v) any other event occurs which the Board  determines,
                  in its discretion,  would  materially  alter, the structure of
                  the Company or its ownership; or

                         (vi) a person other than Gabriel Battista is elected by
                  the Board of  Directors  to serve as the  Company's  principal
                  executive officer.

                  (b  REGISTRATION  STATEMENT.  Company  shall  file  with  the
Securities  and  Exchange   Commission  and  any  applicable   state  securities
regulatory  authorities a Registration Statement on Form S-8 (or if unavailable,
a  registration  statement  on Form S-3) to register  the shares  issuable  upon
exercise of the Option  under the Act and any  applicable  state  securities  or
"Blue Sky" laws as soon as  practicable  after the date hereof.  Notwithstanding
the foregoing,  Company shall be entitled to postpone for a reasonable period of
time the filing or the effectiveness of such registration statement if the Board
shall  determine  in good  faith  that  such  filing or  effectiveness  would be
materially detrimental to the Company's business interests.

         5.  TERMINATION.  The Term of  Employee's  employment  hereunder may be
terminated under the following circumstances:

         5.1 DEATH. The Term of Employee's  employment hereunder shall terminate
upon his death.

         5.2 DISABILITY.  If Employee  becomes  physically or mentally  disabled
during the term hereof so that he is unable to perform services  required of him
pursuant to this Agreement for an aggregate of six (6) months in any twelve (12)
month period (a "Disability"),  Company, at its option, may terminate Employee's
employment hereunder.

         5.3 CAUSE.  Upon  written  notice,  Company  may  terminate  Employee's
employment  hereunder  for  Cause  (as  defined  below).  For  purposes  of this
Agreement,  Company  shall  have  "Cause"  to  terminate  Employee's  employment
hereunder  upon (a) a material  breach by Employee of any material  provision of
this  Agreement  if  Employee  fails to cure such  breach  in the 30 day  period
following  written  notice  specifying  in  reasonable  detail the nature of the
breach, (b) willful  misconduct by Employee in connection with  misappropriating
any funds or property of Company,  (c) attempting to obtain any personal  profit
from any  transaction  in which  Employee has an interest that is adverse to the
interests of Company  without prior written  disclosure  thereof to the Board or
(d) Employee's  gross neglect in the  performance  of the duties  required to be
performed by Employee  under this  Agreement if Employee fails to eliminate such
neglect in the 30 day period following  written notice  specifying in reasonable
detail the nature of the gross neglect.

                                      -xi-
<PAGE>

         5.4 BY EMPLOYEE. Employee may terminate his employment hereunder:

              (a) Upon  sixty  (60)  days'  prior  written  notice  to  Company,
provided that, upon the giving of such notice by Employee, Company may establish
an earlier date for such termination under this Section 5.4 (a).

              (b) For Good Reason (as defined below) immediately and with notice
to Company.  "Good Reason" for termination by Employee shall include, but is not
limited to, the following:

                         (i) Material  breach of any provision of this Agreement
                  by Company,  which breach shall not have been cured by Company
                  within  thirty (30) days of receipt of written  notice of said
                  material breach;

                         (ii)  Failure  by  Company to  maintain  Employee  in a
                  position  commensurate  with that  referred to in Section 3 of
                  this Agreement; or

                         (iii)  The   assignment   to  Employee  of  any  duties
                  inconsistent with Employee's  position,  authority,  duties or
                  responsibilities  as  contemplated  by Section 3 hereof or any
                  other action by Company  that results in a diminution  of such
                  position, authority, duties or responsibilities.

         5.5  WITHOUT  CAUSE.  Company  may  otherwise  terminate  the  Term  of
Employee's employment at any time upon written notice to Employee.

         6.  COMPENSATION  IN  THE  EVENT  OF  TERMINATION.  In the  event  that
Employee's employment hereunder terminates prior to the end of the Term, Company
shall make payments to Employee as set forth below:

         6.1 BY EMPLOYEE FOR GOOD REASON; BY COMPANY WITHOUT CAUSE. In the event
that Employee's  employment  hereunder is terminated by Company without Cause or
by  Employee  for Good Reason  after the  closing of the Merger (as  hereinafter
defined), then the Company shall (a) pay to Employee all amounts due to Employee
pursuant  to  any  bonus  that  was  due to  Employee  as of the  date  of  such
termination,  pursuant to the terms of such bonus (a "Due Bonus"),  (b) continue
to pay to Employee  the Base  Salary and  Benefits  to which  Employee  would be
entitled  hereunder  in the  manner  provided  for herein for the period of time
ending on the earlier of the date when the Term would  otherwise have expired in
accordance with Section 2 hereof and the second  anniversary of the date of such
termination,  (c) reimburse  Employee for expenses that may have been  incurred,
but  which  have not been  paid as of the date of  termination,  subject  to the
requirements  of Section  4.4 hereof and (d) one hundred  percent  (100%) of the
outstanding  stock  options  granted to the  Employee  that are  unvested  shall
immediately vest and become exercisable. In the event that Employee's employment
hereunder is terminated by Company  without Cause or by Employee for Good Reason
prior to the  closing of the  Merger,  Employee  shall be  entitled  only to the
amount due under (c) above and no options shall vest.

                                      -x-

<PAGE>

         6.2 BY COMPANY FOR CAUSE; BY EMPLOYEE WITHOUT GOOD REASON. In the event
that Company shall terminate Employee's  employment hereunder for Cause pursuant
to Section 5.3 hereof or  Employee  shall  terminate  his  employment  hereunder
without Good Reason, all compensation and Benefits, as specified in Section 4 of
this  Agreement,  theretofore  payable or provided to Employee shall cease to be
payable or  provided,  except for any Due Bonus and any  Benefits  that may have
been due and payable  but that have not been paid as of the date of  termination
and  reimbursement  of expenses that may have been incurred,  but which have not
been paid as of the date of termination,  subject to the requirements of Section
4.4 hereof.

         6.3 DEATH.  In the event of  Employee's  death after the closing of the
Merger,  Company  shall  not be  obligated  to pay  Employee  or his  estate  or
beneficiaries any compensation except for (a) any Due Bonus or any Benefits that
may have been earned and are due and payable as of the date of death,  but which
have not been paid as of such date, (b)  reimbursement of expenses that may have
been incurred,  but which have not been paid as of the date of death, subject to
the  requirements of Section 4.4 hereof,  and (c) all outstanding  stock options
granted  to  Employee  that are  unvested  shall  immediately  vest  and  become
exercisable and Employee's  estate or  beneficiaries,  as the case may be, shall
have  the  right  to  exercise  any of such  stock  options  during  the  period
commencing on the date of death and ending on the second anniversary of the date
of such  termination  or for the remainder of the period set forth in the option
agreement applicable to the option in question (the "Exercise Period"), if less.
In the event of Employee's death prior to the closing of the Merger,  Employee's
estate or beneficiaries shall be entitled only to the amount due under (b) above
and no options shall vest.

         6.4 DISABILITY. In the event of Employee's Disability after the closing
of the Merger,  Company  shall not be obligated to pay Employee or his estate or
beneficiaries  any  additional  compensation  except for:  (a) any Due Bonus and
Benefits  that may have been  earned  and are due and  payable as of the date of
such  Disability,  but  which  have  not  been  paid  as of such  date,  and (b)
reimbursement  for expenses  that may have been incurred but which have not been
paid as of the date of Disability,  subject to the  requirements  of Section 4.4
hereof.  Upon  termination  due  to  Disability,  fifty  percent  (50%)  of  the
outstanding   stock  options   granted  to  Employee  that  are  unvested  shall
immediately  vest  and  become   exercisable  and  Employee  or  his  estate  or
beneficiaries,  as the case may be, shall have the right to exercise any of such
stock options during the period  commencing on the date of Disability and ending
on the second  anniversary of the date of the Disability or for the remainder of
the Exercise Period, if less. In the event of Employee's Disability prior to the
closing of the Merger,  Company  shall not be  obligated  to pay Employee or his
estate or beneficiaries  any amount due under this Section 6.4 except (b) hereof
and no options shall vest.

         6.5 NO MITIGATION.  In the event of any termination of employment under
Section  5  hereof,  Employee  shall  be  under  no  obligation  to  seek  other
employment;  provided;  however,  that to the extent that  Employee  does obtain
other  employment   subsequent  to  the  termination  of  Employee's  employment
hereunder,  the obligations of Company to pay Benefits under this Agreement from
and after the date of commencement of such other employment shall terminate.

         7.  UNAUTHORIZED  DISCLOSURE.  Employee  shall not,  without  the prior
written consent of Company, disclose or use in any way, either during Employee's
employment with Company or thereafter,  except as required in the course of such
employment,  any confidential  business or

                                      -xi-
<PAGE>

technical information or trade secret acquired in the course of such employment,
whether or not conceived of or prepared by him,  which is related to any service
or business of Company or any Affiliate;  provided,  however, that the foregoing
shall not apply to (a) information  that is not unique to the Company or that is
generally  known  to the  industry  or the  public  other  than as a  result  of
Employee's breach of this covenant, (b) information known to Employee other than
from  information  provided  by  Company or (c)  information  that  Employee  is
required  to  disclose  to,  or by,  any  governmental  or  judicial  authority;
provided,  however,  if Employee should be required in the course of judicial or
other governmental proceedings to disclose any information,  Employee shall give
Company  prompt  written  notice thereof so that Company may seek an appropriate
protective  order and/or waive in writing  compliance  with the  confidentiality
provisions of this  Agreement.  If, in the absence of a protective  order or the
receipt of a waiver by Company,  Employee is compelled  to disclose  information
to, or pursuant to the requirements of, a court or other governmental authority,
Employee  may  disclose  such  information  to such court or other  governmental
authority without liability to any other party hereto.

         8. TANGIBLE  ITEMS.  All files,  records,  documents,  manuals,  books,
forms,  reports,   memoranda,   studies,  data,  calculations,   recordings  and
correspondence,  in whatever form they may exist, and all copies,  abstracts and
summaries of the  foregoing  and all physical  items  related to the business of
Company and its  affiliates,  other than  merely  personal  items,  whether of a
public  nature or not,  and whether  prepared by Employee or not,  and which are
received by Employee from, or on behalf of Company or an Affiliate in the course
of his  employment  hereunder  are and shall  remain the  exclusive  property of
Company and any such Affiliate and shall not be removed from the premises of the
Company or such Affiliate,  as the case may be, except as required in the course
of Employee's  employment  hereunder,  without the prior written  consent of the
Company's Chief Executive  Officer or the Board,  and the same shall be promptly
returned by Employee upon the termination of Employee's  employment with Company
or at any time prior thereto upon the request of the Company's  Chief  Executive
Officer or the Board.

         9.  INVENTIONS  AND  PATENTS.  Employee  agrees  that  all  inventions,
innovations,  improvements,  developments, methods, designs, analyses, drawings,
reports, and all similar or related information that relates to Company's actual
or anticipated business, research and development or existing or future products
or services and that are conceived,  developed or made by or at the direction of
Employee  while  Employee  is  employed  by  Company  will be owned by  Company.
Employee  also  agrees to  promptly  perform,  at the  expense of  Company,  all
reasonable  actions  (whether  before,  during or after the Term)  necessary  to
establish and confirm such ownership.

         10. CERTAIN  RESTRICTIVE  COVENANTS.  During the Term, and for a period
ending  eighteen  (18) months  after the earlier of  Employee's  termination  of
employment  hereunder and the end of the Term,  Employee agrees that he will not
act, either directly or indirectly, as a partner, officer, director, substantial
stockholder  (an  equity  interest  of 5% or more) or  employee  of,  or  render
advisory or other services for, or in connection with, or become  interested in,
or make any substantial financial investment in any firm, corporation,  business
entity or business  enterprise that competes with the business of Company (each,
a "Competitor"),  except with the express written consent of the Board. Employee
further  agrees that in the event of the  termination  of his  employment  under
Section 5 hereof,  for a period of twelve (12) months  thereafter,  he will not,
directly or indirectly,  employ, offer to employ, or actively interfere with the
relationship  of

                                     -xii-

<PAGE>

Company or an  Affiliate  with,  any  employee of Company or any employee of any
Affiliate.  Notwithstanding  anything to the contrary in this Agreement,  in the
event that  Employee's  employment  is  terminated  for any reason  prior to the
closing of the Merger described in the Agreement and Plan of Merger of even date
herewith  by and  among  Company,  Aladdin  Acquisition  Corp.  and  Access  One
Communications  Corp. ("Access One") (the "Merger"),  Employee may be affiliated
in any position (as  employee,  officer,  director or  otherwise)  of Access One
without violating the provisions of this Section 10.

         11. EMPLOYEE REPRESENTATIONS AND COVENANTS. Employee hereby represents,
warrants  and  covenants  to  Company  that  (a)  the  execution,  delivery  and
performance  of this  Agreement by Employee does not and will not conflict with,
breach,  violate  or cause a default  under any  employment,  noncompetition  or
confidentiality contract or agreement,  instrument, order, judgment or decree to
which Employee is a party or by which he is bound;  (b) Employee,  in performing
this Agreement and the duties of Employee's  employment  with Company,  will not
disclose or utilize any trade secrets of a former employer,  unless Employee has
first obtained express written  authorization  from any such former employer for
their  disclosure  or use; (c)  Employee has not brought,  and will not bring to
Company,  any documents,  records,  information  or other  materials of a former
employer that are not  generally  available to the public,  unless  Employee has
first obtained express written  authorization  from any such former employer for
their  possession  and use;  and (d) upon the  execution  and  delivery  of this
Agreement by Company,  this Agreement shall be the valid and binding  obligation
of Employee,  enforceable  in accordance  with its terms,  subject to applicable
bankruptcy,  insolvency  and  similar  laws  affecting  the rights of  creditors
generally.

         12. COMPANY  REPRESENTATIONS.  Company represents and warrants (a) that
it is duly  authorized  and  empowered  to enter  into this  Agreement,  (b) the
execution,  delivery and  performance  of this Agreement by Company does not and
will not conflict with,  breach,  violate or cause a default under any contract,
agreement,  instrument, order, judgment or decree to which Company is a party or
by which it is bound,  and (c) upon the execution and delivery of this Agreement
by  Employee,  this  Agreement  shall be the valid  and  binding  obligation  of
Company,  enforceable  in  accordance  with its  terms,  subject  to  applicable
bankruptcy,  insolvency  and  similar  laws  affecting  the rights of  creditors
generally.

         13.  REMEDIES.   Employee   acknowledges   that  the  restrictions  and
agreements  contained in this  Agreement are reasonable and necessary to protect
the  legitimate  interests of Company,  and that any violation of this Agreement
will cause  substantial  and  irreparable  injury to  Company  that would not be
quantifiable and for which no adequate remedy would exist at law and agrees that
injunctive  relief,  in  addition  to all  other  remedies,  shall be  available
therefor. therefor.

         14.  INDEMNIFICATION.  Prior  to the  Commencement  Date,  Company  and
Employee  shall  enter  into an  indemnification  agreement  in a form  mutually
acceptable  to Company and Employee and  containing  terms no less  favorable to
Employee  than those  contained  in any  indemnification  or  similar  agreement
currently in effect between Company and any of its officers.

         15.  EFFECT OF  AGREEMENT  ON OTHER  BENEFITS.  Except as  specifically
provided  in this  Agreement,  the  existence  of this  Agreement  shall  not be
interpreted to preclude,  prohibit or

                                     -xiii-

<PAGE>

restrict  Employee's  participation  in any other employee benefit plan or other
plans or programs provided to officers, directors or employees of Company.

         16. RIGHTS OF EMPLOYEE'S  ESTATE. If Employee dies prior to the payment
of all  amounts  due and owing to him under  the terms of this  Agreement,  such
amounts shall be paid to such  beneficiary or beneficiaries as Employee may have
last  designated  in writing filed with the Secretary of Company or, if Employee
has made no  beneficiary  designation,  to Employee's  estate.  Such  designated
beneficiary  or the  executor  of  Employee's  estate,  as the case may be,  may
exercise all of Employee's  rights hereunder.  If any beneficiary  designated by
Employee shall predecease Employee, the designation of such beneficiary shall be
deemed  revoked,  and  any  amounts  which  would  have  been  payable  to  such
beneficiary shall be paid to Employee's  estate.  If any designated  beneficiary
survives  Employee,  but dies before payment of all amounts due hereunder,  such
payments  shall,  unless  Employee  has  designated  otherwise,  be made to such
beneficiary's estate. In the event of Employee's death or judicial determination
of his  incompetence,  reference in this  Agreement to Employee shall be deemed,
where  appropriate,  to  refer  to  his  beneficiary,   estate  or  other  legal
representative.

         17.  SEVERABILITY.  It is the intent and  understanding  of the parties
hereto that if, in any action  before any court or other  tribunal of  competent
jurisdiction legally empowered to enforce this Agreement, any term, restriction,
covenant,  or  promise  is  held  to  be  unenforceable  as a  result  of  being
unreasonable or for any other reason, then such term, restriction,  covenant, or
promise shall not thereby be terminated,  but, that it shall be deemed  modified
to the extent  necessary to make it  enforceable by such court or other tribunal
and,  if it cannot be so  modified,  that it shall be deemed  amended  to delete
therefrom such provision or portion  adjudicated to be invalid or unenforceable,
and this Agreement shall be deemed to be in full force and effect as so modified
and such modification or amendment in any event shall apply only with respect to
the operation of this  Agreement in the  particular  jurisdiction  in which such
adjudication is made.

         18. NOTICES.  Any notices or demands given in connection herewith shall
be in  writing  and  deemed  given when (a)  personally  delivered,  (b) sent by
facsimile  transmission  to a number  provided in writing by the addressee and a
confirmation  of the  transmission is received by the sender or (c) two (2) days
after being deposited for delivery with a recognized overnight courier,  such as
Federal  Express,  and  addressed or sent, as the case may be, to the address or
facsimile number set forth below or to such other address or facsimile number as
such party may in writing designate:

         If to Employee:   Kenneth G. Baritz
                           6558 Landings Court
                           Boca Raton, FL  33496
                           Fax No.:  (954) 739-2476

         With a copy to:   Blank Rome Tenzer Greenblatt LLP
                           405 Lexington Avenue
                           New York, NY  10174
                           Attn: Michael S. Mullman, Esq.
                           Fax No.:  (212) 885-5001

<PAGE>

         If to Company:    Talk.com, Inc.
                           6805 Route 202
                           New Hope, Pennsylvania 18938
                           Attn: President
                           Fax No.:  (215) 862-1515

Either  party may change its address for notices by written  notice to the other
party in accordance with this Section 18.

         19. WAIVER.  No provision of this Agreement may be modified,  waived or
discharged  unless such  waiver,  modification  or  discharge  is agreed to in a
writing  executed by Employee and Company.  No waiver by any party hereto at any
time of any breach by another party hereto of, or compliance with, any condition
or  provision  of this  Agreement  to be  performed by such other party shall be
deemed a waiver of similar or dissimilar provisions or conditions at the same or
at any prior or subsequent time.

         20.  GOVERNING  LAW. The  validity,  interpretation,  construction  and
performance of this Agreement shall be governed by the laws of New York relating
to contracts made and to be performed entirely therein.

         21.  HEADINGS.   The  headings  in  this  Agreement  are  inserted  for
convenience  only and shall have no significance in the  interpretation  of this
Agreement.

         22. SUCCESSORS. Company may not assign any of its rights or obligations
under this  Agreement  hereunder.  Employee  may assign his rights,  but not his
obligations, hereunder and all of Employee's rights hereunder shall inure to the
benefit  of his  estate,  personal  representatives,  designees  or other  legal
representatives.  All of the  rights of  Company  hereunder  shall  inure to the
benefit of, and be enforceable by the successors of Company. Any person, firm or
corporation  succeeding  to  the  business  of  Company  by  merger,   purchase,
consolidation  or otherwise  shall be deemed to have assumed the  obligations of
Company hereunder;  provided, however, that Company shall,  notwithstanding such
assumption  by a successor,  remain  primarily  liable and  responsible  for the
fulfillment of its obligations under this Agreement.

         23.  COUNTERPARTS.  This  Agreement  may be  executed  in  one or  more
counterparts,  each of which shall be deemed to be an original  but all of which
together will constitute one and the same instrument.

         24.  CERTAIN  WORDS.  As used in this  Agreement,  the words  "herein,"
"hereunder,"  "hereof"  and  similar  words  shall  be  deemed  to refer to this
Agreement in its entirety, and not to any particular provision of this Agreement
unless the context clearly requires otherwise.

                                      -xv-

<PAGE>

                  IN WITNESS  WHEREOF,  each of the parties  hereto has executed
this Agreement as of the day and year first written above. Talk.com, Inc.

By:
   ------------------------------
   Name:
   Title:

---------------------------------
Kenneth G. Baritz

                                     -xvi-

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