Document:

EXHIBIT 10.19

                 SOFTWARE LICENSE AND SUPPORT AGREEMENT

This Software License and Support Agreement is entered into by and between
Portal Software, Inc., a Delaware corporation with principal offices at
20883 Stevens Creek Boulevard, Cupertino, California 95014 ("Portal") and
NetVoice Technologies a Texas corporation with principal offices at 13747
Montfort Drive, Suite 250, Dallas, Texas 75240 ("Licensee") and describes
the terms and conditions pursuant to which Portal shall license to Licensee
and support certain Licensed Software (as defined below).  This Agreement
shall become effective on the date it is signed by Portal ("Effective Date").

1.   DEFINITIONS.

     1.1  "Agreement means this Software License and Support Agreement,
          including any and all attached schedules.

     1.2  "Application" means the specific Application set forth in
          Schedule A hereto of the Licensed Software running on one or more
          related computers at a single location, that share the same
          Licensed Software Database.

     1.3  "Confidential Information" means this Agreement and all its
          Schedules, any addenda hereto signed by both parties, all
          software listings, Documentation, information, data, drawings,
          benchmark tests, specifications, trade secrets, object code and
          machine-readable copies of the Licensed Software, and any other
          proprietary information supplied to Licensee by Portal or by
          Licensee to Portal which is clearly marked as "confidential" if
          in tangible form, or identified as "confidential" if orally disclosed.

     1.4  "Designated Equipment" means the hardware make and model of the
          server computer on which the Licensed Software will be installed
          as set forth on Schedule A.

     1.5  "Documentation" means the documentation and user manuals relating
          to the use of the Licensed Software delivered by Portal to
          Licensee in either printed or electronic form.

     1.6  "Licensed Software" means (i) the software products designated on
          Schedule A hereto provided to Licensee by Portal in executable
          form (but not the Source Code), (ii) Documentation, (iii) any
          source code or object code which Portal in its sole discretion
          may provide to Licensee from time to time and (iv) any Updates,
          modifications, maintenance releases, bug fixes or work-arounds
          which Portal may provide to Licensee from time to time.

     1.7  "Licensed Software Database" means the customer database
          associated with the Licensed Software which contains the Customer
          Records.

     1.8  "Production Site" means the address and location of the server
          computer on which the Licensed Software will be installed as set
          forth on Schedule A.

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     1.9  "Prepaid Calling Card" means an Internet prepaid calling card.
          The average retail price of a Prepaid Calling Card tracked by the
          Licensed Software shall be equal to or less than thirty-five
          dollars ($35.00), calculated as follows: total retail value of
          all Prepaid Calling Cards divided by the total number of Prepaid
          Calling Cards.  For purposes of this Agreement, three (3) Prepaid
          Calling Card personal identification numbers will count as one
          Tier 1 Subscriber.

     1.10 "Restricted Release" means any version of the Licensed Software
          marked alpha, beta or which is otherwise designated as a
          Restricted Release.

     1.11 "Subscriber" means an individual customer record account object
          ("Customer Record") in the Licensed Software Database.  The total
          number of Subscribers is exactly equal to the number of Customer
          Records in the Licensed Software Database.  If the Licensed
          Software is used to authenticate, bill, rate or otherwise track
          the activities of individual users within a corporate or group
          account, each such individual user will be deemed a Subscriber
          for the purposes of this Agreement.  There will be two classes of
          Subscribers under this Agreement: (i) Tier 1 and (ii) Tier 2
          Subscribers.

          1.11.1      "Tier 1 Subscriber" means a Customer Record in the
                    Licensed Software Database representing a customer to
                    whom Licensee provides Consumer Voice-over-IP (Internet
                    protocol) services (b) for which Licensee receives a
                    periodic flat fee (e.g., regular month fee)
                    (recognizable under GAAP).

          1.11.2      "Tier 2 Subscriber" means a Customer Record in the
                    Licensed Software Database (a) representing an end user
                    of Licensee's wholesale Voice-over-IP services for
                    which Licensee receives a monthly fee recognizable
                    under GAAP) for such services based on the number of
                    wholesale minutes per month (or otherwise linked to
                    usage time).  For purposes of this Agreement no more
                    than fifteen (15) accounts may have access to the
                    wholesale minutes.

     1.12 "Updates" means any updates to the Licensed Software licensed
          hereunder which Portal, in its discretion, makes generally
          available to its Licensed Software licensees.

2.   GRANT OF LICENSE

     2.1  For so long as this Agreement remains in force Portal grants to
          Licensee a perpetual, non-exclusive and non-transferable right to
          use the Licensed Software on the Designated Equipment and on a
          single Licensed Software Database located at the designated
          Production Site only for the specified Application.  Licensee may
          possess only the number of copies of any Licensed Software
          necessary for the type of use specified herein and may use such
          copies only in accordance with this Agreement and the Documentation.

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          Portal shall at all times retain ownership of all Licensed
          Software including any Documentation and any copies thereof.

     2.2  Licensee shall implement reasonable controls to ensure that it
          does not exceed the maximum number of Subscribers licensed hereunder.

     2.3  Portal will deliver to Licensee, as soon as is practicable, the
          necessary password to enable Licensee to download from Portal's
          website one machine-readable copy of the Licensed Software, along
          with one machine-readable copy of the Documentation.  Licensee
          may not reproduce Licensed Software or Documentation except as
          expressly provided under this Agreement.

     2.4  Licensee may copy the Licensed Software and Documentation for
          backup or archival purposes provided that all titles, trademark
          symbols, copyright symbols and legends, and other proprietary
          markings are reproduced.

     2.5  Licensee shall be permitted to develop, use and modify APIs,
          macros and user interfaces provided by Portal.  For the purposes
          of this Agreement, such development shall be deemed an authorized
          modification of the Licensed Software.

     2.6  To use the Licensed Software specified on an Order Form Licensee
          may need to use an ancillary program embedded in or delivered
          with the ordered Licensed Software.  The ancillary program shall
          be used only as described in the Order Form of Documentation for
          implementation of the ordered Licensed Software and for no other
          purpose.  Licensee shall have no right to use any other software
          program that may be delivered with the ordered Licensed Software.

     2.7  Portal grants and Licensee receives no other rights or licenses
          to the Licensed Software, derivative works (as defined in the
          United States Copyright Act of 1976, Title 17 USC Section 101 et.
          seq.) or any intellectual property rights related thereto,
          whether by implication, estoppel or otherwise, except those
          rights expressly granted in this Section 2.

3.   LICENSE RESTRICTIONS

     3.1  Licensee agrees that it will not itself, or through any parent,
          subsidiary, affiliate, agent or other third party:

     3.2  sell, lease, license, sublicense, encumber or otherwise deal with
          any portion of the Licensed Software or Documentation;

     3.3  except to the minimum extent necessary to comply with EC
          Directive, if applicable, or other applicable legislation,
          decompile, disassemble, or reverse engineer any portion of the
          Licensed Software or attempt to discover any source

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          code or underlying ideas or algorithms of any Licensed Software;

     3.4  other than to the extent permitted by Section 2.4 above, create
          any Derivative Work based on the Licensed Software or any Portal
          Confidential Information;

     3.5  except to the extent provided by Section 2.1 above, use the
          Licensed Software to provide processing services to third
          parties, commercial timesharing, rental or sharing arrangements,
          or on a "service bureau" basis or otherwise use or allow others
          to use the Licensed Software for the benefit of any third party;

     3.6  provide, disclose, divulge or make available to, or permit use of
          the Licensed Software by persons other than Licensee's employees
          who have signed a confidentiality agreement consistent with the
          terms and provisions herein, without Portal's prior written consent;

     3.7  use any Licensed Software, or all the transfer, transmission,
          export, or re-export of any Licensed Software or portion thereof
          in violation of any export control laws or regulations
          administered by the U.S. Commerce Department, OFAC, or any other
          government agency.  All the limitations and restrictions on the
          Licensed Software in this Agreement also apply to the Documentation.

4.   PAYMENTS AND TAXES

     4.1  All payments due hereunder shall be made inside the U.S., in U.S.
          dollars.  In addition to any remedies Portal may have hereunder
          or at law, any payments more than thirty (30) days overdue will
          bear a late payment fee of 1.5% per month, or, if lower, the
          maximum rate allowed by law.  Delinquency in payment will result
          in a delay or suspension of the Licensed Software implementation
          timetable or services (including Support Services) provided by
          Portal.  Resumption of services will occur after Licensee has
          brought itself current on all of its outstanding payment
          obligations to Portal.  The services will be scheduled in
          accordance with the availability of Portal resources.  Portal
          will not be liable for any damages caused by rescheduling of
          suspended services pursuant to this Section 4.1.

     4.2  Licensee agrees to pay or reimburse Portal for all federal,
          state, dominion, provincial, or local sales, use personal
          property, payroll, excise or other taxes, fees, or duties arising
          out of this Agreement or the transactions contemplated by this
          Agreement (other than taxes on the net income of Portal.)  If any
          tax is payable by Licensee under this Section 4.2, then the
          Licensee shall provide evidence of payment to Portal and Portal
          shall use all reasonable efforts to obtain a credit, rebate, or
          benefit for that amount against its own tax, and if it receives
          such credit, rebate, or benefit it shall refund to Licensee an amount

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          equal to the lesser of the amount paid by Licensee and the
          credit, rebate, or benefit obtained by Portal.

5.   LICENSE FEE

In consideration of the rights granted herein, Licensee shall pay Portal
the license fee(s) as set forth in Schedule A.

6.   MAINTENANCE AND TECHNICAL SUPPORT

     6.1  Upon payment of the annual maintenance and support fee set forth
          on Schedule A, Licensee shall be entitled to receive Updates and
          technical support in accordance with Portal's Gold Level Support
          Policy ("Support Services).  Portal's current Gold Level Support
          Policy appears at Schedule B.  Support Services shall commence on
          the Effective Date of this Agreement.

     6.2  In the event Licensee fails to make any required Support Services
          payment or otherwise elects to discontinue Support Services,
          Portal shall have no obligation to provide the Support Services
          described in this Section 6.  In order to reinstate or renew
          Support Services, Licensee must first pay Portal the then current
          annual support services fee and all past support service fees.
          In the event Licensee fails to make any required payment or in
          the event Licensee breaches any of its obligations under the
          Support Services provisions and such breach has not been cured
          within thirty (30) days of receipt of notice of breach, Portal
          may suspend or cancel Support Services.  No updates of the
          Licensed Software will be provided to Licensee and no updates may
          be copied by Licensee to update any copies of the Licensed
          Software unless Support Services have been purchased for such
          copies, Support Services fees shall be billed on an annual basis,
          payable in advance.

     6.3  Portal shall have no obligation to support (a) altered, damaged
          or modified Licensed Software (except as authorized by Portal) or
          any portion of the Licensed Software incorporated into other
          software, (b) Licensed Software that is not the then current or
          immediately previous sequential release, (c) problems caused by
          Licensee's negligence, abuse, or misapplication, or use of the
          Licensed Software other than as specified in Portal's user
          documentation or other causes beyond the control of Portal, or
          (d) Licensed Software installed in an operating environment or
          hardware environment for which the Licensed Software has not been
          licensed.  Portal shall have no liability for any changes in
          Licensee's hardware which may be necessary to use the Licensed
          Software.

     6.4  Portal reserves the right to change its technical support
          guidelines and procedures provided (i) Portal provides Licensee
          with at lease sixty (60) days prior written notice of such
          changes, and (ii) such changes do not diminish Portal's overall
          technical support obligations to Licensee in any material regard.

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7.   RESTRICTED RELEASE

If Licensee is selected for participation and elects to participate in a
Restricted Release program, Licensee agrees (i) Portal shall have no
obligation to correct errors in or deliver updates to the Restricted
Release, (ii) Portal shall have no obligation to otherwise support the
Restricted Release, (iii) Licensee will provide Portal with appropriate
test data for the Restricted Release if necessary to resolve problems in
the Restricted Release encountered by Licensee and will promptly report to
Portal any error discovered in the Restricted Release, (iv) the Restricted
Release is experimental, may contain problems and errors and is being
provided to Licensee on an "AS-IS" basis with no warranty of any kind,
express or implied, (v) neither party will be responsible to the other for
any losses, claims or damages of whatever nature, arising out of or in
connection with the performance or nonperformance of the Restricted
Release, (vi) Licensee will not sue the Restricted Release in production
applications without the prior written approval of Portal, and (vii)
Licensee will stop using and return or destroy any Restriction Release
promptly upon Portal's request.

8.   TERMINATION

     8.1  This Agreement commences on the Effective Date and will remain in
          force until it is terminated.

     8.2  Portal may, by written notice to Licensee, terminate this
          Agreement if any of the following events ("Termination Events")
          occur, provided that such termination will not relieve Licensee
          of its payment obligations hereunder or otherwise entitle
          Licensee to a refund of any portion which have been paid to Portal;

     8.3  Licensee is in breach of this Agreement, which breach, if capable
          of being cured, is not cured within thirty (30) days (ten (10)
          days in the case of nonpayment) after Portal gives Licensee
          written notice of such breach; or Portal may terminate this
          Agreement immediately upon notice if Licensee breaches any of its
          obligations under Section 3 above;

     8.4  Licensee terminates its business activities or becomes insolvent,
          admits in writing to inability to pay its debts as they mature,
          makes and assignment for the benefit of creditors, or becomes
          subject to direct control of a trustee, receiver or similar authority.

     8.5  Termination will become effective immediately or on the date set
          forth in the written notice of termination and any payment
          obligations under this Agreement shall immediately become due and
          owing.  Termination of this Agreement will not affect the
          provisions regarding Licensee's or Portal's treatment of
          Confidential Information, provisions relating to the payments of
          amounts due, provisions limiting or disclaiming Portal's
          liability, and/or provisions regarding applicable law, which
          provisions will survive termination of this Agreement.

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     8.6  Upon termination, all licenses granted hereunder shall cease to
          be effective and Licensee shall immediately cease all use of any
          affected Licensed Software, Documentation and Portal Confidential
          Information.

     8.7  Within fourteen (14) days of the date of termination or
          discontinuance of this Agreement for any reason whatsoever,
          Licensee shall return the Licensed Software, derivative works and
          all copies thereof, in whole or in part, all related
          Documentation and all copies thereof, and any other Confidential
          Information in its possession.  Licensee shall furnish Portal
          with a certificate signed by an executive officer of Licensee
          verifying that the same has been done.

     8.8  Termination is not an exclusive remedy and all other remedies
          will be available whether or not termination occurs.

9.   PATENT AND COPYRIGHT INDEMNITY

     9.1  Portal will defend and indemnify Licensee for all costs
          (including reasonable attorneys fees) arising from a claim that
          the Licensed Software infringes a copyright or patent provided
          that (i) Licensee notifies Portal in writing within thirty (30)
          days of the claim (ii)Portal has sole control of the defense and
          all related settlement negotiations, and (iii) Licensee provides
          Portal with the assistance, information, and authority necessary
          to perform the above; reasonable out-of-pocket expenses incurred
          by Licensee in providing such assistance will be reimbursed by Portal.

     9.2  Portal shall have no liability for any claim of infringement
          based on (i) use of a superseded or altered release of the
          Licensed Software, except for which alteration(s) or
          modification(s) has been made by Portal or under Portal's
          direction, if such infringement would have been avoided by the
          use of the current unaltered release of the Licensed Software
          that Portal provides to Licensee, or (ii) the combination,
          operation, or use of any Licensed Software furnished under this
          Agreement with programs or data not furnished by Portal if such
          infringement would have been avoided by the use of the Licensed
          Software without such programs or data.

     9.3  In the event that the Licensed Software is held or believed by
          Portal to infringe, or Licensee's use of the Licensed Software is
          enjoined, Portal shall have the option, at its expense, to (a)
          modify the Licensed Software to be noninfringing, (b) obtain for
          Licensee a license to continue using the Licensed Software, (c)
          substitute the Licensed Software with other software reasonably
          suitable to Licensee, or (d) if none of the foregoing remedies
          are commercially feasible, terminate the license for the
          infringing Licensed Software and refund the fees paid for that
          Licensed Software, prorated over a five-year term from

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          the Effective Date of this Agreement or applicable amendment or
          additions schedule.  This Section 9.3 states Portal's entire
          liability for infringement.

10.  WARRANTY

     10.1 Portal warrants that it has title to and/or the authority to
          grant licenses of the Licensed Software.

     10.2 Portal warrants to Licensee that the Licensed Software will
          perform in substantial accordance with the Documentation for a
          period of ninety (90) days from the Effective Date.  If the
          Licensed Software does not perform as herein warranted, Portal
          shall undertake at its own expense to correct the non-conforming
          part of the Licensed Software.  If correction is not reasonably
          possible or commercially practicable, Portal shall refund the
          monies paid by Licensee for that non-conforming Licensed Software.

     10.3 Portal warrants that the Licensed Software is designed to be used
          prior to, during and after the calendar year 2000 and that the
          Licensed Software will operate during each such time period
          without error relating to, or the product of, date data which
          references different centuries or more than one century.  If the
          Licensed Software does not perform as warranted, Portal shall
          undertake at its own expense to correct the non-conforming part
          of the Licensed Software, or if correction is reasonably not
          possible, replace such non-conforming part of the Licensed
          Software, or if correction is reasonably not possible, replace
          such non-conforming part of the Licensed Software free of charge.
          If neither of the foregoing is commercially practicable, Portal
          shall refund the license and annual maintenance support fees paid
          by Licensee for the non-conforming Licensed Software.  If a
          refund is made in the manner herein contemplated, the parties
          will amend the definition of "Licensed Software" in Section A to
          reflect the same.  The foregoing Year 2000 Warranty shall not
          apply (i) if the Licensed Software is used or interfaced with
          other software, data or operating systems which are not Year 2000
          compliant, (ii) if the Licensed Software has been modified in a
          manner not authorized by Portal, or (iii) if Licensee fails to
          install an Update if the non-compliance would have been avoided
          by installation of such Update.  THE FOREGOING ARE LICENSEE'S
          SOLE AND EXCLUSIVE REMEDIES FOR BREACH OF WARRANTY.

     10.4 Portal's warranty obligations as set forth above are made to and
          for the benefit of Licensee only and shall be enforceable against
          Portal only if:

          10.4.1      The Licensed Software has been properly installed and
                    has been used at all times in accordance with the
                    Documentation and this Agreement;

          10.4.2      All modifications, alterations or additions to the
                    Licensed Software, if any, have been made using

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                    Licensed Software Customization Tools provided by
                    Portal to Licensee; and

          10.4.3      Licensee has not made or caused to be made
                    modifications, alterations or additions to the Licensed
                    Software that cause it to deviate from the
                    Documentation.

     10.5 Except as set forth in this Section 10, Portal makes no
          warranties, whether express or implied, or statutory regarding or
          relating to the Licensed Software or the Documentation, or any
          materials or services furnished or provided to Licensee under
          this Agreement.  Specifically, Portal does not warrant that the
          Licensed Software will be error free or will perform in an
          uninterrupted manner.  To the maximum extent allowed by law,
          Portal specifically disclaims all implied warranties of
          merchantability and fitness for a particular purpose (even if
          Portal had been informed of such purpose) with respect to the
          Licensed Software, Documentation and support and with respect to
          the use of any of the foregoing.

11.  LIMITATION OF LIABILITY

     11.1 IN NO EVENT WILL PORTAL OR ITS SUBCONTRACTORS BE LIABLE FOR ANY
          LOSS OF PROFITS, LOSS OF USE, BUSINESS INTERRUPTION, LOSS OF
          DATA, COST OF COVER OR INDIRECT, SPECIAL, INCIDENTAL OR
          CONSEQUENTIAL DAMAGES OR ANY KIND IN CONNECTION WITH OR ARISING
          OUT OF THE FURNISHING, PERFORMANCE OR USE OF THE LICENSED
          SOFTWARE OR SERVICES PERFORMED HEREUNDER OR ANY DELAY IN DELIVERY
          OR FURNISHING THE LICENSED SOFTWARE OR SAID SERVICES WHETHER
          ALLEGED AS A BREACH OF CONTRACT OR TORTIOUS CONDUCT, INCLUDING
          NEGLIGENCE, EVEN IF PORTAL HAD BEEN ADVISED OF THE POSSIBILITY OF
          SUCH DAMAGE.

     11.2 PORTAL'S MAXIMUM AGGREGATE LIABILITY (WHETHER IN CONTRACT, TORT
          OR ANY OTHER FORM OF LIABILITY) FOR DAMAGES OR LOSS, HOWSOEVER
          ARISING OR CAUSED, WHETHER OR NOT ARISING FROM PORTAL'S
          NEGLIGENCE, SHALL IN NO EVENT BE GREATER THAN (A) IN THE EVENT
          SUCH DAMAGE IS NOT RELATED TO SUPPORT, THE LICENSE FEE SPECIFIED
          IN SCHEDULE A RELATED TO THE PARTICULAR LICENSED SOFTWARE PROGRAM
          WHICH CAUSED THE DAMAGE OR LOSS, OR (B) IN THE EVENT SUCH DAMAGE
          OR LOSS IS RELATED TO SUPPORT, THE SUPPORT FEES PAID BY LICENSEE
          FOR THE THEN CURRENT SUPPORT TERM.

     11.3 No employee, agent, representative or affiliate of Portal has
          authority to bind Portal to any oral representations or warranty
          concerning the Licensed Software.  Any written representation or
          warranty not expressly contained in this Agreement is
          unenforceable.

12.  AUDIT RIGHTS/QUARTERLY REPORTS

     12.1 Licensee shall keep and maintain full, accurate and detailed
          records regarding its obligations under this

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          Agreement and the number of Subscribers of the Licensed Software
          Database.  Portal of its representatives shall be entitled to
          review and audit such books and records and/or Licensee's
          compliance with the provisions of this Agreement from time to
          time during normal business hours by providing written notice to
          Licensee at least ten (10) business days prior to such audit.  If
          any such audit reveals a deficiency in any amounts due to Portal
          hereunder, Licensee will immediately pay such amounts as are
          required to re-establish compliance with the terms of this Agreement.

     12.2 Commencing ninety (90) days from the Effective Date, Licensee
          will provide Portal with calendar quarterly reports setting forth
          the total number of Subscribers.  Licensee will provide Portal
          with all such reports and any payments required hereunder within
          thirty (30) days of the end of each calendar quarter.

13.  ASSIGNMENT/BINDING AGREEMENT

Neither this Agreement nor any rights under this Agreement may be assigned
or otherwise transferred by Licensee (by operation of law or otherwise), in
whole or in part, including by way of merger, acquisition or sale of all or
substantially all of the voting rights in one or more related transactions,
without Portal's prior written consent.

14.  CONFIDENTIALITY

     14.1 Each party acknowledges that the Confidential Information
          constitutes valuable trade secrets and each party agrees that it
          shall use the Confidential Information of the party solely in
          accordance with the provisions of this Agreement and it will not
          disclose, or permit to be disclosed, the same directly or
          indirectly, to any third party without the other party's prior
          written consent.  Each party agrees to exercise due care in
          protecting the Confidential Information from unauthorized use and
          disclosure.  However, neither party bears any responsibility for
          safeguarding any information that it can document in writing (i)
          is in the public domain through no fault of its own, (ii) was
          properly known to it, without restriction, prior to disclosure by
          Disclosing Party, (iii) was properly disclosed to it, without
          restriction, by another person with the legal authority to do so,
          (iv) is independently developed by Receiving Party without use or
          reference to Disclosing Party's Proprietary Information or (v) is
          required to be disclosed pursuant to a judicial or legislative
          order or proceeding; provided that, to the extent permitted by
          and practical under the circumstances.  Receiving Party provides
          to Disclosing Party prior notice of the intended disclosure and
          an opportunity to respond or object to the disclosure and an
          opportunity to respond or object to the disclosure or if prior
          notice is not permitted or practical under the circumstances,
          prompt notice of such disclosure.

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     14.2 In the event of actual or threatened breach of the provisions of
          Section 3 or Section 14, the non-breaching party will be entitled
          to immediate injunctive and other equitable relief, without bond
          and without the necessity of showing actual damage.

15.  NOTICE

Any notice required or permitted under the terms of this Agreement or
required by law must be in writing and must be (a) delivered in person, (b)
sent by registered mail, return receipt requested, (c) sent by overnight
air courier, or (d) by facsimile, in each case forwarded to the appropriate
address set forth above.  Either party may change its address for notice by
written notice to the other party.  Notices will be considered to have been
given at the time of actual delivery in person, three (3) business days
after posting, or one day after (i) delivery to an overnight air courier
service of (ii) the moment of transmission by facsimile.

16.  MISCELLANEOUS

     16.1 FORCE MAJEURE.  Neither party will incur any liability to the
          other on account of any loss or damage resulting from any delay
          or failure to perform all or any part of this Agreement is such
          delay or failure is caused, in whole or in part, by events,
          occurrences, or causes beyond its control and without negligence
          of the parties.  Such events, occurrences or causes will include,
          without limitation, acts of God, strikes, lockouts, riots, acts
          of war, earthquakes, fire and explosions, but the ability to meet
          financial obligations is expressly excluded.

     16.2 WAIVER.  Any waiver of the provisions of this Agreement or of a
          party's rights or remedies under this Agreement must be in
          writing to be effective.  Failure, neglect or delay by a party to
          enforce the provisions of this Agreement or its rights or
          remedies at any time will not be construed to be deemed a waiver
          of such party's rights under this Agreement and will not in any
          way affect the validity of the whole or any part of this
          Agreement or prejudice such party's right to take subsequent action.

     16.3 SEVERABILITY.  If any term, condition or provision in this
          Agreement is found to be invalid, unlawful or unenforceable to
          any extent, the parties shall endeavor in good faith to agree to
          such amendments that will preserve, as far as possible, the
          intentions expressed in this Agreement.  If the parties fail to
          agree on such an amendment, such invalid term, condition or
          provision will be severed from the remaining terms, conditions
          and provisions, which will continue to be valid and enforceable
          to the fullest extent permitted by law.

     16.4 PORTAL LICENSORS.  The parties acknowledge that the Licensed
          Software may contain software licensed by Portal from third
          parties ("Portal Licensors").  Portal Licensors may be direct and
          intended third party beneficiaries

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          of this Agreement and may be entitled to enforce it directly
          against Licensee.

     16.5 ENTIRE AGREEMENT.  This Agreement (including the Schedules and
          any addenda hereto signed by both parties) contains the entire
          agreement of the parties with respect to the subject matter of
          this Agreement and supercedes all previous communications,
          representations, understandings and agreements, either oral or
          written, between the parties with respect to said subject matter.

     16.6 STANDARD TERMS OF LICENSES.  No terms, provisions or conditions
          of any purchase order, acknowledgement or other business form
          that Licensee may use in connection with the acquisition or
          licensing of the Licensed Software will have any effect on the
          rights, duties or obligations of the parties under, or otherwise
          modify, this Agreement, regardless of any failure of Portal to
          object to such terms, provisions, or conditions.

     16.7 PUBLIC ANNOUNCEMENTS/PUBLICITY.  Licensee and Portal agree to
          cooperate regarding public relations activities, including public
          announcements, joint press releases, and other activities to be
          mutually agreed.  Neither party will perform such activities
          without the prior written consent of the other party, which
          consent shall not be unreasonably withheld.

          COUNTERPARTS.  This Agreement may be executed in counterparts,
          each of which so executed will be deemed to be an original and
          such counterpart together will constitute one and the same Agreement.

     16.8 APPLICABLE LAW.  This Agreement will be interpreted and construed
          pursuant to the laws of the State of California and the United
          States without regard to conflict of laws provisions thereof, and
          without regard to the United National Convention on the
          International Sale of Goods.  Any legal action or proceeding
          relating to this Agreement shall be instituted in a state or
          federal court in Santa Clara County, California.  Portal and
          Licensee agree to submit to the jurisdiction of, and agree that
          venue is proper in, these courts in any such action or
          proceeding.  This prevailing party in any action to enforce this
          Agreement will be entitled to recover its attorney's fees and
          costs in connection with such action.  Licensee represents that
          it is not a government agency and it is not acquiring the license
          pursuant to a government contract or with government funds.

IN WITNESS WHEREOF, the authorized representatives of the parties hereby
bind the parties by signing below:

<PAGE>

NETVOICE TECHNOLOGIES
"Licensee"

By:_______________________________

Print Name:_______________________

Title:____________________________

Date:_____________________________

PORTAL SOFTWARE, INC.
"Portal"

By:_______________________________

Print Name:_______________________

Title:____________________________

Date:_____________________________

<PAGE>

                               SCHEDULE A

SECTION 1.0    LICENSED SOFTWARE
The following Portal Software products and their associated online
documentation will be provided by Portal and will comprise the "Licensed
Software:"

     *    Infranet(R), including Infranet Server, Infranet Developer,
          Infranet Administrator, Infranet Payment Tool, Infranet Pricing
          Tool, Policy Configuration Tool, Invoice Designer Tool, Infranet
          Reports;
     *    Infranet IPT Manager

SECTION 2.0    APPLICATION DESCRIPTION/PLATFORM/INITIAL SUBSCRIBER LIMIT

2.1  Application:   (i) Billing and customer management of Tier 1
                    Subscribers of Licensee's Consumer Voice-over-IP
                    services:  including customer of Licensee's Prepaid
                    Calling Card, and "Flat-Rate-One Plus" services.  The
                    Licensed Software will only be used for IP Telephony
                    services.

                    (ii) Billing and customer management of Tier 2
                    Subscribers of Licensee's Wholesale Voice over IP
                    services.  The Licensed Software will only be used for
                    IP Telephony services.

2.2  Platform (O/S): Solaris

2.3  Initial Subscriber Limit:

     (i)  20,000 Tier 1 Subscribers
     (ii) 15 Tier 2 Subscribers for up to a total 15,000,000 minutes per month

SECTION 3.0    INSTALLATION SITES

3.1  Production Site: NetVoice Technologies, 13747 Montfort Drive, Suite
     250, Dallas, TX 75240
3.2  Development Site:  NetVoice Technologies, 13747 Montford Drive, Suite
     250, Dallas, TX 75240
3.3  Backup Site:  NetVoice Technologies, 13747 Montford Drive, Suite 250,
     Dallas, TX 75240

SECTION 4.0    LICENSE AND MAINTENANCE SUPPORT SERVICE FEES

4.1  Software License Fees

     The following table sets forth the license fees for the Licensed
Software for the above-stated Application for up to the number of
Subscribers set forth in Section 2.0.

Licensed       Tier 1              Tier 2         Payment Due Date
Software       Subscriber          Subscriber
Component      License Fees        License Fees

<PAGE>

Infranet       $40,000.00          $50,000.00     See Section 5.0 below

4.2  Annual Gold Level Support Services Fees

     Portal will provide Gold Level Maintenance Support Services in
accordance with Schedule B ("Support Services") for up to the number of
Subscribers set forth in Section 2.0 for one (1) year from the Effective
Date for the fees set forth below.  Support Services will be automatically
renewed in one-year periods unless Licensee terminates such Support
Services by providing written notice to Portal at least sixty (60) days
prior to the end of the then-current annual support services term.  Portal
agrees to offer Support Services for at least three (3) years from the
Effective Date.

Portal Support Services            Annual Fee     Annual Payment Date

Gold Level Support Services        $18,000.00     Effective Date and each
                                                  anniversary thereafter

4.3  Additional Subscriber License and Support Service Fees

     For up to two (2) years from the Effective Date ("Option Period")
Licensee shall be entitled to use the Licensed Software listed in Section
1.0 above for the designated Application in connection with additional
Subscribers ("Additional Subscribers") provided Licensee shall pay the
amounts set forth in the following table.  Additional Subscribers must be
licensed in the incremental blocks specified and not one at a time.
Associated Annual Support Services fees are due when Additional Subscribers
are licensed but will be prorated over the remainder of the annual Support
Services term during which they are added.

4.3.1     Additional Tier 1 Subscribers

Subscribers in   License Fee       License Fee Per  Annual Gold
Block            Per Subscriber    Block            Support Services
                                                    Fee Per Block

25,000           $2.00             $50,000.00       $10,000.00

4.3.2     Additional Tier 2 Subscribers

Subscribers in   Minutes per       License Fee Per  Annual Gold
Block            Month per Block   Block            Support Services
                                                    Fee Per Block

15               15,000,000        $50,000.00       $10,000.00

SECTION 5.0    PAYMENT SCHEDULE

Licensee agrees to make payment in accordance with the following table:

DESCRIPTION                   AMOUNT              PAYMENT DUE DATE

License Fee                   $90,000.00          Effective Date

<PAGE>

Annual Gold Support Payment   $18,000.00          Effective Date
Basic Infranet Developer
 Training                     $2,500.00 per       Within 30 days
                              student             of Invoice Date
Advanced Infranet Developer
 Training                     $2,500.00 per       Within 30 days
                              student             of Invoice DateEXHIBIT 10.20

CISCO SYSTEMS CAPITAL CORPORATION       MASTER LEASE AGREEMENT
5500 Wayzata Boulevard, Suite 725
Golden Valley, MN  ___16
Tel. 612-393-1904 FAX 612-513-3299

LEGAL NAME OF LESSEE               D.B.A. NAME         FEDERAL TAX ID#

__________________________________________________________________________

ADDRESS                                 COUNTY

___________________________________________________________________________

CITY STATE/PROVINCE ZIP  __CORP.   ___ PART. ___PROPRIETORSHIP

___________________________________________________________________________

CONTACT NAME        PHONE NUMBER             FAX NUMBER

___________________________________________________________________________

SUPPLIER/VENDOR                    SALES REPRESENTATIVE

___________________________________________________________________________

ADDRESS                       CITY           STATE          ZIP

___________________________________________________________________________

                       LEASE TERMS AND CONDITIONS

The terms and conditions of this Master Lease Agreement ("Master
Agreement") shall apply to each and every Equipment Schedule ("LEASE")
which shall become part of and attached to this Master Agreement.  The
Master Agreement and all Leases subsequently executed shall be referred to
jointly as "Agreement."
1.  Sunrise Leasing Corporation ("LESSOR") agrees to lease to LESSEE and
Lessee agrees to lease from LESSOR the equipment listed on each LEASE
("EQUIPMENT").

2.  TERM, RENEWALS AND EXTENSIONS:  The initial term and the rights and
obligations of the parties shall commence on the Acceptance Data
(hereinafter defined) and continue from the Commencement Date (hereinafter
defined) for the number of months set forth the LEASE.  The Acceptance Date
with respect to each item of EQUIPMENT shall be the sixteenth (16th) day
after the date of shipment to LESSEE.  The Commencement Date shall be the
first day of the month following the Acceptance Date.  THIS LEASE IS NON-
CANCELABLE FOR THE FULL TERM HEREOF.  The LEASE shall renew automatically
in one year non-cancelable increments unless LESSOR receives written notice
of LESSEE'S intent to: (a) purchase the EQUIPMENT or (b) terminate the
LEASE.  All notices must be received by LESSOR in writing by certified
mail, return receipt, Ninety (90) days prior to the expiration date of the
initial term or any of the non-cancelable increments of the LEASE.

3.  PAYMENT:  LESSEE agrees to pay to LESSOR monthly LEASE payments as
stated herein in advance on the Commencement Date and on the first day of
each month thereafter during the LEASE term.  If the Commencement Date is
not the same date as the Acceptance Date, LESSEE shall pay LESSOR interim
rent on the

<PAGE>

Acceptance Date for the period of time from the Acceptance Date up to, but
not including the Commencement Date in an amount equal to 1/30th of the
monthly LEASE payment multiplied by the number of days from (and including)
the Acceptance Date.  LESSOR shall bill LESSEE by invoice for LEASE
payments at LESSEE'S address set forth above.  LESSEE shall remit payment
to the address set forth on the invoice.  The obligation of LESSEE to make
lease payments is unconditional.

4.  WARRANTIES:  LESSOR HAS NOT MADE AND DOES NOT MAKE ANY REPRESENTATION,
WARRANTY, PROMISE, OR COVENANT, EXPRESS OR IMPLIED, AS TO THE CONDITION,
QUALITY, DURABILITY, CAPABILITY, FUNCTION, PERFORMANCE, OR SUITABILITY OF
THE EQUIPMENT, ITS MERCHANTABILITY, OR ITS FITNESS FOR ANY PARTICULAR
PURPOSE OR AGAINST INTERFERENCE OR AGAINST INFRINGEMENT.  THE PARTIES AGREE
THAT AS THE LESSEE SELECTED BOTH THE EQUIPMENT AND THE SUPPLIER OF THE
EQUIPMENT, NO DEFECT, EITHER PATENT OR LATENT, SHALL RELIEVE LESSEE OF ITS
OBLIGATION HEREUNDER.  LESSEE AGREES THAT LESSOR SHALL NOT BE LIABLE FOR
SPECIFIC PERFORMANCE OR ANY LIABILITY, LOSS, DAMAGE, INCLUDING
CONSEQUENTIAL AND INCIDENTAL DAMAGES, ARISING OUT OF LESSEE'S USE OF THE
EQUIPMENT, OR SUPPLIER'S FAILURE TO TIMELY DELIVER THE EQUIPMENT.

5.  ASSIGNMENT: (A) LESSEE SHALL NOT ASSIGN, SUBLET, LEND, TRANSFER, OR
PLEDGE THIS LEASE OR THE EQUIPMENT WITHOUT LESSOR'S PRIOR WRITTEN APPROVAL.
THIS LEASE AND THE COVENANTS AND OBLIGATIONS HEREUNDER SHALL BE BINDING
UPON ANY SUCH ASSIGN, SUCCESSOR, REPRESENTATIVE OR TRANSFEREE OR LESSEE.
(B) LESSOR may assign, transfer, pledge or sell LESSOR'S interest in this
LEASE or the EQUIPMENT.  Upon notification of such assignment, LESSEE shall
remit lease payments directly to the address set forth on the notification.
In no event shall any assignee of LESSOR be obligated to perform any duty,
covenant, condition, or promise under this LEASE.  (C) All terms and
conditions hereof shall be binding upon all successors and assigns of the
parties hereto but only to the extent such successors and assigns are
permitted hereunder.

6.  UCC FILINGS:  LESSEE hereby agrees to execute such financing
statements, amendments thereto and other instruments as may be requested by
LESSOR and hereby constitutes and appoints LESSOR its true and lawful
attorney-in-fact to execute such financing statements on behalf of LESSEE
without the LESSEE'S signature.  LESSEE agrees that the filing of this
LEASE or a photocopy thereof shall constitute and be the equivalent of the
filing of an original financing statement with respect to the EQUIPMENT
under the Uniform Commercial Code and LESSEE hereby adopts any photocopy or
other reproduction of its signature on this LEASE as its own.

7.  PURCHASE OPTION:  Upon lawful termination of this LEASE and provided
that no Event of Default has occurred during the term of the LEASE, LESSEE
shall have an option to purchase all (not part) of the EQUIPMENT without
recourse or warranty ("Purchase Option").  The LESSEE, however, is required
to give ninety (90) days written notice to LESSOR prior to the end of the
LEASE of its intention to purchase the EQUIPMENT.  The payment for the
EQUIPMENT purchase must be made prior to the next usual LEASE rental
payment date for that LEASE, otherwise LESSEE shall be billed for the next
LEASE payment under the terms of the LEASE and the LEASE payment must be
made promptly.  If an Event of Default has occurred during the term of the
LEASE or payment for the EQUIPMENT is not made pursuant to the terms of
this Option, LESSEE'S Purchase Option shall be canceled forthwith.  LESSEE
does not have the right to assign its Purchase Option rights to any other
entity.  THE FAIR MARKET VALUE OF

<PAGE>

EQUIPMENT SHALL BE THE RETAIL MARKET PRICE FOR USED, WELL MAINTAINED
EQUIPMENT AT THE TERMINATION OF A LEASE.

8.  USE OF EQUIPMENT:  LESSEE shall use the EQUIPMENT solely at the
business location as set forth in the Equipment Schedule.  LESSEE shall use
the EQUIPMENT in compliance with the Manufacturer's or Supplier's suggested
guidelines.  Provided LESSEE is not in default hereunder, LESSEE shall have
the right to quiet and peaceful use of the EQUIPMENT, LESSOR shall be
permitted to inspect the EQUIPMENT during LESSEE'S regular business hours.

9.  REPAIRS:  LESSEE, at its own expense shall keep the EQUIPMENT in good
repair, and maintain a service agreement in full force throughout the term
of the LEASE which fulfills all of the manufacturer's or vendor's
maintenance requirements as set forth in its full service maintenance
contract.  Notwithstanding LESSEE agrees to pay LESSOR for any expense
incurred to cause the EQUIPMENT to meet vendor's specifications.  LESSEE
shall pay such charges immediately upon request.

10.  INSURANCE.  LESSEE shall provide, and pay for (a) insurance against
the loss or theft of or damage to the EQUIPMENT for the full replacement
value and (b) public liability and property damage insurance naming LESSOR
as Loss Payee or Additional Insured.  Upon request from LESSOR, LESSEE
shall provide LESSOR with a Certificate of Insurance.

11.  NET LEASE:  LESSEE intends the LEASE payments hereunder to be net to
LESSOR.  LESSEE shall pay, or reimburse LESSOR, property taxes, fees,
assessments, charges and taxes (municipal, state and federal) which are
imposed upon this LEASE or the EQUIPMENT or its ownership, leasing,
renting, possession or use while it is subject to this LEASE, excluding,
however, taxes based on LESSOR'S net income.  Unless otherwise specified in
the LEASE, LESSOR shall be responsible for filing all personal property tax
returns with respect to the EQUIPMENT and shall pay all taxes in connection
with such filing.  LESSEE shall reimburse LESSOR for such personal property
tax payments within ten (10) days of receipt of LESSOR'S invoice therefore.

12.  TITLE:  Title to the EQUIPMENT shall remain in LESSOR except upon the
exercise of the Purchase Option by LESSEE.  All replacement parts,
accessories, additions to, or modifications of the EQUIPMENT shall become
property of LESSOR, LESSEE shall affix to the EQUIPMENT, in a prominent
place, any tags, stickers, labels or markings supplied by LESSOR stating
ownership of the EQUIPMENT, LESSEE shall give LESSOR immediate notice of
any attachment or judicial process affecting the EQUIPMENT or LESSOR'S
ownership thereof.

13.  RISK OF LOSS:  Upon acceptance of the EQUIPMENT, LESSEE shall bear
risk of loss from any cause whatsoever and any such loss shall not relieve
LESSEE from any obligation hereunder including the duty to make LEASE
payments.  In the event the EQUIPMENT is lost or damaged beyond repair,
LESSEE shall replace the EQUIPMENT with identical EQUIPMENT, which shall
become the EQUIPMENT for purposes of this LEASE.

14.  DELIVERY AND RETURN OF PRODUCT:  LESSEE assumes the full expense of
transportation, insurance, and installation to LESSEE'S site.  Upon lawful
termination of this LEASE or upon LESSEE'S default, and not less than
fifteen (15) days or more than thirty (30) days prior to the return of the
EQUIPMENT, LESSEE shall, at LESSEE'S sole expense, provide LESSOR a letter
from the manufacturer certifying that the Product is in good operating
condition and

<PAGE>

is eligible for continued maintenance and that the operating system is at
the then current level.  LESSEE shall remain obligated to pay Rent on the
Product until the Product and certification are received by LESSOR.
LESSEE, at its own expense, shall ___ insure, and transport the EQUIPMENT
to LESSOR or to a location within the Continental U.S. designated by LESSOR
to receive the EQUIPMENT in the same condition it was at the commencement
of the LEASE reasonable wear and tear excepted.

15.  EVENTS OF DEFAULT:  The following shall be "Events of Default":  (a)
LESSEE fails to make any LEASE payment within five (5) days after the date
the payment is due, (b)LESSEE fails to allow LESSOR to inspect the
EQUIPMENT during business hours; (c) LESSEE fails to provide insurance on
EQUIPMENT, (d) LESSEE fails to maintain the EQUIPMENT and maintain a
service contract; (e) LESSEE assigns or otherwise transfers this lease or
the EQUIPMENT without LESSOR'S prior written approval; (f) LESSEE creates,
incurs, or assumes any mortgage, lien, pledge, or other encumbrance or
attachment of any kind whatsoever, with respect to the EQUIPMENT or this
LEASE or any of LESSOR'S interest hereunder; (g) LESSEE moves the EQUIPMENT
to a location other than as stated on the front page hereof without
LESSOR'S prior written approval; (h) LESSEE fails to return the EQUIPMENT
to LESSOR upon termination of this LEASE; (i) LESSEE files or has filed
against it a petition in bankruptcy or seeking similar relief; (j) LESSEE
_________[SENTENCE CUT OFF ON COPY] agreement between the parties.

16.  REMEDIES:  Unless LESSEE cures an event of default within 10 business
days from when it has received written notice from LESSOR, the parties
agree that upon the occurrence of an Event of Default, LESSOR may take one
ore more of the following actions: (i) declare the entire amount of the
remaining LEASE payments, including arrearages, due and immediately
payable; (ii) take peaceful possession of the EQUIPMENT with or without
court order; and (iii) recover all commercially reasonable costs and
expenses incurred by LESSOR in any repossession, recovery, storage or
repair, sale, release or other disposition of the EQUIPMENT.  No right or
remedy herein conferred upon or reserved to LESSOR is exclusive of any
other right or remedy hereunder or allowed by law.  Each right and remedy
shall be cumulative and may be exercised singly or in combination.  To the
extent permitted by applicable law, LESSEE also hereby waives any rights
now or hereafter conferred by statute or otherwise which may require LESSOR
to sell, lease or otherwise use the EQUIPMENT in mitigation of LESSOR'S
damages, or which may otherwise limit or modify any of LESSOR'S rights or
remedies under this paragraph.

17.  LESSOR'S EXPENSES:  LESSEE shall pay LESSOR all costs and expenses,
including reasonable attorney's fees, incurred by LESSOR in exercising any
of its rights or remedies hereunder.  To the extent allowed by law, LESSEE
shall be obligated to pay a late payment penalty equal to 5% of the monthly
rental for each month the payment is delinquent, or the maximum rate
permitted by law.

18.  INDEMNITY:  LESSEE shall indemnify LESSOR against, and hold LESSOR
harmless from, any and all claims, actions, suits, proceedings, costs,
expenses, damages and liabilities, including reasonable attorney's fees,
arising out of, connected with, or resulting from this LEASE or the
EQUIPMENT without limitation.  The indemnities contained herein shall
survive termination of this LEASE.

19.  NON-WAIVER:  LESSOR'S failure to require strict performance by LESSEE
of any of the provisions of this LEASE shall not be a waiver thereof.

<PAGE>

20.  SEVERABILITY:  If any provision of this LEASE be declared invalid,
such provision shall be inapplicable and deemed omitted, but the remaining
provisions, including the default and remedy provisions, shall remain in
full force and effect.

21.  WAIVER:  Except as hereinafter specifically provided and to the extent
allowed by law, LESSEE and LESSOR agrees that the provisions of Uniform
Commercial Code Article 2A, as enacted by the State of Minnesota, shall not
be applicable to this Agreement.  Notwithstanding the foregoing, UCC
Sections 2A-109, 2A-523, 2A-525, 2A-526 and 2A-531 shall remain applicable
in their current form.

22.  CHOICE OF LAW, JURISDICTION AND VENUE:  The parties herein expressly
agree that this Agreement shall be governed by the laws of the State of
Minnesota and shall be interpreted, construed and enforced in accordance
with the laws of the State of Minnesota.  In any legal action hereunder,
LESSEE hereby consents to personal jurisdiction and venue in the Courts of
the State of Minnesota, and LESSEE will not object to personal jurisdiction
or venue in the Courts of the State of Minnesota.

23.  Monthly Lease Payments and other Lease Terms shall be shown on
Equipment Schedules to this Master Agreement and are incorporated herein by
reference.

LESSEE HAS READ AND IS SUBJECT TO THE CONDITIONS SET FORTH HEREIN.  This
Master Agreement Constitutes the entire Agreement between the parties and
no provision of this Master Agreement shall be deemed waived, amended or
modified by either party unless such waiver, amendment or modification is
in writing signed by the party to be charged thereby.

IN WITNESS WHEREOF LESSEE HAS HEREBY EXECUTED THIS NON-CANCELABLE LEASE
THIS _____ DAY OF _______________, 200_.

NAME OF LESSEE:                         LESSOR: SUNRISE LEASING CORPORATION

SIGNED____________________ DATE________ SIGNED__________________ DATE______

NAME AND TITLE_________________________ NAME AND TITLE_____________________

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