Document:

SUBLEASE

     THIS  SUBLEASE  ("Sublease")  made as of  February 24 , 2000 by and between
FACTORY MUTUAL INSURANCE  COMPANY,  a Rhode Island mutual company,  successor in
interest to Arkwright Mutual Insurance Company  ("Sublandlord")  and AMERICOM ON
LINE.COM, INC. ("Subtenant").

                                    RECITALS

     A.  CarrAmerica  Realty  Corporation,  successor  in interest to  Waterford
Centre,  Ltd.  ("Prime  Landlord') and  Sublandlord are parties to a lease dated
August 5, 1997 (the "Prime  Lease"),  pursuant to which Prime Landlord leases to
Sublandlord approximately 12,575 rentable square feet of space on the 2nd floor.
Suite 200 of the office  building  known as  Waterford  Centre,  located at 5555
Triangle  Parkway,  Norcross  Georgia  (the  "Building"),  as more  particularly
described in the Prime Lease (the "Demised Premises"). A copy of the Prime Lease
is attached hereto as Exhibit A.

     B.  Sublandlord  has agreed to sublet to Subtenant and Subtenant has agreed
to sublet from Sublandlord all of the Demised Premises.

     NOW,  THEREFORE,  in  consideration of the rents herein provided and of the
covenants  and  agreements  herein  contained  and intending to be legally bound
hereby. Sublandlord and Subtenant hereby covenant and agree as follows:

     1. Demise.  Subject to all of the provisions of this Sublease,  Sublandlord
hereby demises and subleases to Subtenant,  and Subtenant hereby takes and hires
from  Sublandlord  the Demised  Premises shown on Exhibit B attached  hereto and
made a part hereof.

     2. Terms of the  Sublease.  The term of this  Sublease  (the "Term")  shall
commence  two (2)  business  days after  Sublandlord  notifies  Subtenant of the
Prince  Landlord's  consent  to this  Sublease  (the  "Commencement  Date")  and
continue through September 14,2002 (the "Expiration Date").

     3. Basic Rent.

     Subtenant  covenants and agrees to pay Sublandlord on the Commencement Date
and on the first day of each  subsequent  calendar  month  during the Term basic
rent at the  following  rates  at a place  designated  by  Sublandlord,  without
set-off, offset, abatement or deduction whatsoever:
<PAGE>

                                             Annual Rent         Monthly Rent

September 1,2000-August 31,2001              $100,000.00           $8,333.33

September 1,2001-September 14,2002           $120,000.00          $10,000.00

     Simultaneously  with  execution  of  this  Sublease,  Subtenant  is  paying
$18,333.33 to Sublandlord  representing  Basic Rent for the period  September 1,
2000 to  September  30,2000 and August 15, 2002 to September  14,  2002.  If the
Expiration Date is not the last day of a month, a prorated  monthly  installment
of Basic Rent shall be paid for the fractional month during which the Expiration
Date occurs.

     4. Incorporation of terms of Prime Lease.

          (a) Except as  provided in Sections  4(b) and 6 of this  Sublease  and
     except as  otherwise  specifically  provided  for  herein,  all the  terms,
     covenants  and  conditions  of  the  Prime  Lease  are  by  this  reference
     incorporated  herein and made a part of this  Sublease  with the same force
     and  effect  as if fully  set  forth  herein,  provided,  however  that for
     purposes of such  incorporation,  (i) the term "Lease" as used in the Prime
     Lease shall refer to this Sublease, (ii) the term "Landlord" as used in the
     Prime Lease shall refer to Sublandlord,  (iii) the term "Tenant" as used in
     the Prime Lease shall refer to Subtenant,  and (iv) the term  "Premises" as
     used in the Prime Lease shall refer to the Subleased Premises. In the event
     of any  inconsistency  between  the  provisions  of this  Sublease  and the
     provisions of the Prime Lease,  as incorporated  herein,  the provisions of
     this Sublease shall control.

          (b) The  following  articles,  sections  of and  exhibits to the Prime
     Lease are not incorporated  herein except to the extent that any provisions
     set forth therein are referred to in this Sublease:  Sections  5(a),  5(b),
     34(a), 34(c), Articles 3, 7, 9, 30, 33 and Exhibit C.

     5. Subject to the Prime Lease.

          (a) This Sublease shall be subject and subordinate .in all respects to
     the  Prime  Lease  and  to  all of its  terms,  covenants  and  conditions.
     Subtenant shall not do, or permit to suffer to be done, any act or omission
     by  Subtenant,  its agents,  employees,  contractors  or invitees  which is
     prohibited  by the Prime  Lease,  or which would  constitute a violation or
     default thereunder,  and Subtenant shall indemnify  Sublandlord and hold it
     harmless from and against any such act, omission,  violation or default. So
     long as  Subtenant  is not in breach of any of its  obligations  under this
     Sublease  after the  expiration of any  applicable  notice and cure period,
     Sublandlord  shall not default in performing any of its  obligations  under
     the Prime Lease beyond any  applicable  notice and cure  period.  Subtenant
     shall  have the same  rights to  quietly  enjoy  the  Demised  Premises  as
     Sublandlord has as tenant under the Prime Lease.

          (b) In all  provisions  of the Prime Lease  requiring  the approval or
     consent  of the  "Landlord,"  Subtenant  shall be  required  to obtain  the
     approval or consent of both Prime Landlord and Sublandlord.

                                       2
<PAGE>

          (c) Should the Prime Lease expire or terminate during the term of this
     Sublease for any reason,  this Sublease shall terminate on the date of such
     expiration  or  termination  of the Prime  Lease,  with the same  force and
     effect as if such expiration or termination date had been specified in this
     Sublease as the expiration date hereof. Sublandlord shall have no liability
     to  Subtenant  in  the  event  of  any  such   expiration  or  termination,
     notwithstanding the reason for such expiration or termination,  except only
     if such expiration or termination is caused by (i) the voluntary  agreement
     of Prime Landlord and Sublandlord or (ii) the default of Sublandlord  under
     the Prime Lease without fault of Subtenant.

     6. Prime Landlord's Obligations.  Notwithstanding  anything to the contrary
in this  Sublease or the Prime Lease,  Sublandlord  shall have no  obligation to
perform any of the terms,  covenants and conditions contained in the Prime Lease
to  be  performed  by  the  Prime  Landlord.  Without  limiting  the  foregoing.
Sublandlord  shall have no  obligation  to provide  any or all of the  services,
utilities,  parking, work alterations,  repairs or maintenance to be provided by
Prime Landlord under the Prime Lease, and Sublandlord  shall in no way be liable
to  Subtenant  for any  failure  of Prime  Landlord  to provide  such  services,
utilities, parking, work, alterations,  repairs or maintenance.  Notwithstanding
the  foregoing,  if Prime  Landlord  fails to provide any  services,  utilities,
parking,  work,  alterations,  repairs or  maintenance  required under the Prime
Lease,  Sublandlord  shall,  upon the written  request of Subtenant,  give Prime
Landlord notice of such failure and seek in good faith to cause Landlord to cure
the failure  (but  without any  requirement  for  Sublandlord  to expend its own
funds).

     7. Indemnity and Insurance.

          (a) Subtenant shall protect,  indemnify and save Sublandlord  harmless
     from and against  all costs,  losses,  damages,  liabilities  and  expenses
     (including, without limitation,  reasonable counsel fees and disbursements)
     of every kind and nature  whatsoever,  incurred by Sublandlord by reason of
     or arising out of (i) any  accident,  death,  injury or damage  which shall
     happen in, on, about or in connection  with, the Subleased  Premises or any
     part  thereof,   or  any  matter   involving  the   condition,   occupancy,
     maintenance, alteration, repair, use, non-use or operation of the Subleased
     Premises or any part  thereof,  (ii) any act or failure to act by Subtenant
     to  perform  or  observe  any  of  the  agreements,   terms,  covenants  or
     coiiditions of the Prime Lease or this Sublease on  Subtenant's  part to be
     performed  or  observed  or (iii) and  failure by  Subtenant  to vacate the
     Subleased  Premises and surrender  the Subleased  Premises in the condition
     required  under this Sublease on or before the expiration or termination of
     this Sublease.

          (b)  Subtenant  shall  provide and maintain  during the Term,  with an
     insurance  company  acceptable  to  Sublandlord  and  Prime  Landlord,  all
     insurance  required by Article 16 of the Prime Lease.  Such insurance shall
     name  Sublandlord  and Prime  Landlord  as  additional  insureds  and shall
     provide  that it may not be  canceled  or amended  except  upon thirty (30)
     days' written notice to Sublandlord  and Prime  Landlord.  Subtenant  shall
     furnish  Sublandlord  and Prime  Landlord  with  certificates  of insurance
     evidencing compliance with the foregoing insurance requirements.

                                       3
<PAGE>

          (c) Each party  hereby  waives any and all rights of recovery  against
     the other party directly or by way of subrogation or otherwise, and against
     the officers, partners, directors, employees, agents and representatives of
     the other  party,  due to the  negligence  of the  other  party or any such
     person for loss or damage to the property of the waiving party or any other
     loss or damage  where  such loss or damage is covered  by the  policies  of
     insurance  required hereunder (whether or not such insurance is in effect )
     or to the  extent  such  loss or damage is  actually  covered  by any other
     insurance  carried  by the  waiving  party.  Each  party  shall  inform its
     respective  insurance  carrier of this waiver in the manner  required  with
     respect to policies issued by such carriers or otherwise  arranged,  to the
     extent  necessary,  so that the coverage  afforded thereby is not adversely
     effected.  The  foregoing  indemnities  and  waivers of  liability  in this
     paragraph 7 shall survive the  expiration,  cancellation  or termination of
     this Sublease.

     8. Notices.

          (a) The  addresses to which notices are to be sent under Section 22 of
     the Prime Lease are as follows:

To Sublandlord:            Factory Mutual Insurance Company
                           225 Wyman Street
                           Waltham, Massachusetts 02451

                           Attention: FM Global Real Estate Department

to Subtenant:              USCI, Inc.
                           6115-A Jimmy Carter Boulevard
                           Norcross, Georgia 30071

                           Attention: Chief Executive Officer

Either  party may  inform  the other in the  manner  provided  for the giving of
notices of any change in address.

          (b)  Whenever in the Prime  Lease  notice is required by the Tenant or
     Landlord thereunder, or notice is required under this Sublease, such notice
     shall be delivered two (2) days prior to the date required  under the Prime
     Lease.  It is the purpose and intent of the foregoing  provision to provide
     Sublandlord  hereunder  with time  within  which to  transmit  to the Prime
     Landlord any notices or demands  received from Subtenant and to transmit to
     Subtenant   any   notices  or  demands   received   from  Prime   Landlord.
     Notwithstanding  the  foregoing,  any notices  required to be  delivered by
     either  Sublandlord or Subtenant under the terms of this sublease which are
     not notices to or from Prime  Landlord under the Prime Lease shall be given
     in a  manner,  and the times  provided  in this  Sublease  (or in the Prime
     Lease)  without  reference  to the  addition  or  subtraction  of  these as
     provided in this paragraph 8(b).

                                       4
<PAGE>

     9. Assignment and Subletting.  Notwithstanding  the provisions of Article 8
of the Prime  Lease,  Subtenant  shall not, by  operation  of law or  otherwise,
assign,  transfer or encumber this Sublease,  nor sublet or permit the Subleased
Premises or any part  thereof to be used by any other  person or entity  without
the  prior  written  consent  in each  instance  of both  Sublandlord  and Prime
Landlord except that Subtenant shall have the right to assign this Sublease to a
company  controlling,  controlled by or under common control with Subtenant with
prior notice to Sublandlord  and Prime Landlord but without any  requirement for
consent.  By approving this Sublease,  Prime Landlord  agrees to be bound by the
foregoing.  In no event  shall any sublet or  assignment  affect the  continuing
direct  and  primary   liability  of  Subtenant   hereunder.   Subtenant  hereby
acknowledges  and  affirms  the terms and  conditions  of Article 8 of the Prime
Lease and the rights of Prime Landlord thereunder.

     10.  Condition of Demised  Premises.  Subtenant  shall accept the Subleased
Premises, on the Commencement Date, in "as is" condition. Subtenant acknowledges
that  no  representations  have  been  made to  Subtenant  with  respect  to the
condition  of the  Subleased  Premises  and that  Subtenant  relied upon its own
examination of the Subleased Premises in entering into this Sublease.

     11.  Alterations.  Subtenant  shall  not make any  additions,  alterations,
changes or  improvements  to the  Subleased  Premises  without the prior written
consent of Sublandlord and, if required under the Prime Lease, Prime Landlord.

     12. Brokers.  Sublandlord and Subtenant each warrants and represents to the
other that it had no dealing with any broker or finder concerning the subletting
of the Subleased  Premises  other than  Colliers,  Cauble and Julian J. Studley,
Inc.  Each party hereto  agrees to indemnify  and hold the other party  harmless
from  any and all  liabilities  and  expenses,  including,  without  limitation,
reasonable attorneys' fees, arising out of claims against the other party by any
other broker,  consultant,  finder or like agent  claiming to have brought about
this  Sublease  based upon the  alleged  acts of the  indemnifying  party.  This
Section 12 shall survive the termination of this Sublease.

     13.  Surrender  of  Subleased  Premises.   At  the  expiration  or  earlier
termination  of the Term,  Subtenant  shall  quit and  surrender  the  Subleased
Premises  broom clean,  in as good  condition as it was at the  beginning of the
Term,  reasonable  wear  and  tear  excepted,  and  shall,  to  the  extent  not
inconsistent with any specific provision of this Sublease, comply with all terms
and conditions of the Prime Lease regarding surrender of the Subleased Premises.
Without  limitation of any of the  foregoing.  Subtenant  shall on or before the
expiration  or  termination  of this  Sublease,  (i) remove  all of  Subtenant's
personal  property and repair any damage  caused by such removal and (ii) remove
all trash and broom sweep the Subleased  Premises.  If any personal  property of
Subtenant  shall remain in the Subleased  Premises after the termination of this
Sublease,  at the election of  Sublandlord,  (i) it shall be deemed to have been
abandoned by Subtenant and may be retained by Sublandlord as its own property or
(ii) such property may be removed and disposed of by  Sublandlord at the expense
of Subtenant. Subtenant's obligation to observe or perform under this Section 13
shall survive the expiration or termination of this Sublease.

                                       5
<PAGE>

     14. No  Waiver.  The  failure of  Sublandlord  to insist in any one or more
instances  upon the  strict  performance  of any of the  covenants,  agreements,
terms, provisions or conditions of this Sublease, or to exercise any election or
option contained herein,  shall not be construed as a waiver or  relinquishment,
in the  future or in any other  instance,  of such  covenant,  agreement,  term,
provisions, condition, election or option.

     15.  Holdover.  If  Subtenant  shall  unlawfully  hold  possession  of  the
Subleased  Premises after the end of the Term of this Sublease,  Subtenant shall
pay to  Sublandlord  the greater of(i) any amounts owed by  Sublandlord to Prime
Landlord as a result of Subtenants'  holding over or (ii) monthly  holdover rent
equal to 200% of the monthly rent payable in the last month of the term.

     Notwithstanding  the  establishment of any holdover  tenancy  following the
expiration  or earlier  termination  of the Term,  if Tenant  fails  promptly to
vacate the Premises at the expiration or earlier termination of the Term, Tenant
shall save Landlord  harmless and indemnified  against any claim,  loss, cost or
expense (including  reasonable  attorneys' fees) arising out of Tenant's failure
promptly to vacate the Premises (or any portion thereof).

     16. Miscellaneous.

          (a) This  Sublease (i)  contains  the entire  agreement of the parties
     with respect to the subject  matter which it covers;  (ii)  supersedes  all
     prior or other negotiations, representations, understandings and agreements
     of, by or between the parties,  which shall be deemed fully merged  herein;
     (iii) shall be construed and governed by the laws of the State in which the
     Building  is  located;  and (iv) may not be changed or  terminated  orally.
     Notwithstanding any provisions of the Prime Lease,  Subtenant shall have no
     right to  expand  the  Demised  Premises  or  extend  the Term  under  this
     Sublease.

          (b) This Sublease may be executed in any number of counterparts,  each
     of  which  shall  be  deemed  to be an  original  and  all of  which  shall
     constitute one and the same instrument.

          (c) The captions  herein are inserted only as a matter of  convenience
     and for  reference  and in no way define,  limit,  construe or describe the
     scope of this Sublease or the meaning or intent of any provision hereof.

          (d) This  Sublease  shall be binding  upon and inure to the benefit of
     the parties hereto and their respective permitted successors and assigns.

     17. Prime Landlord's Consent.  This Sublease shall be of no force or effect
whatsoever,  or be binding in any way, unless and until Prime Landlord has given
its written consent to this Sublease.

                                       6
<PAGE>

     IN WITNESS WHEREOF,  the parties hereto have duly executed this Sublease as
of the day and year first above written.

WITNESS                                     SUBLANDLORD

                                            FACTORY MUTUAL INSURANCE
                                            COMPANY, successor in interest to
                                            Arkwright Mutual Insurance Company

                                            Name:
                                            Title

WITNESS

                                            SUBTENANT
                                            AMERICOM ON LINE

                                            By:
                                            Title:

                                       7MARKETING AND DISTRIBUTION AGREEMENT

                  NET2PHONE, INC. and AMERICOM ONLINE.COM, INC.

This Marketing and  Distribution  Agreement  ("Agreement") is made and effective
this 3rd day of April,  2000 by and between  Net2Phone,  Inc.  ("NET2PHONE"),  a
Delaware  Corporation  with offices at 171 Main Street,  Hackensack,  New Jersey
07601 USA and  AmericomOnline.com,  Inc.,  ("AMERICOM"),  a Delaware corporation
with offices at 6115 Jimmy Carter Boulevard, Suite A, Norcross, Georgia 30071.

     WHEREAS,  NET2PHONE  wishes to sell a range of products  and  services in a
retail and distributor channel; and

     WHEREAS,  AMERICOM has experience and access to certain  markets within the
retail and distributor channel.

     NOW,  THEREFORE,   in  consideration  of  the  premises,  as  well  as  the
obligations  herein made and  undertaken,  the parties,  intending to be legally
bound, do hereby agree as follows:

                     I. NET2PHONE'S OBLIGATIONS to AMERICOM

1.1  NET2PHONE  hereby  appoints  AMERICOM as its exclusive  representative  for
certain  accounts  ("Accounts")  as  specified  in Exhibit A: (the  "Accounts  &
Commissions  "), attached  hereto,  which may be modified from time to time upon
written   agreement   of  the  parties,   for  certain   products  and  services
(collectively  the "Products")  made available to AMERICOM by NET2PHONE for sale
through NET2PHONE's channel  distribution program as specified in Exhibit B (the
"Net2Phone  Products"),   which  Exhibit  B  shall  be  subject  to  change,  at
NET2PHONE's  sole  discretion,  from time to time upon written  notification  to
AMERICOM.

1.2 NET2PHONE  shall furnish to AMERICOM  sales  materials,  sample kits,  order
forms,  advertising  literature,  and sale  price  lists of the  Products  to be
distributed by AMERICOM.  Such materials shall remain the exclusive and absolute
property of NET2PHONE and all such material not  distributed in accordance  with
the terms of this Agreement shall be returned immediately upon request.

1.3 All prices and terms of sale shall be established by NET2PHONE, and shall be
subject  to  change at  NET2PHONE's  sole  discretion,  upon  written  notice to
AMERICOM.

1.4 NET2PHONE  shall provide  AMERICOM and AMERICOM's  employees with reasonable
training and instruction in connection with the Products, as shall be determined
by NET2PHONE in its sole discretion.

NET2PHONE  shall  advise  AMERICOM  of material  communications  relating to the
Accounts.

NET2PHONE shall directly invoice the Accounts,  and send a copy of such invoices
to AMERICOM.

Net2Phone shall compensate AMERICOM in accordance with the terms of Article III.

                     II. AMERICOM'S OBLIGATIONS to NET2PHONE

2.1 AMERICOM  agrees to use good faith efforts to sell,  promote and support the
Products in an effort to increase  the sales and market  share of the  NET2PHONE
Products.

<PAGE>

2.2 AMERICOM will coordinate and disburse written materials,  literature,  sales
programs, pricing, and policies for NET2PHONE to the Accounts.

2.3 AMERICOM will conduct all of its business in its own name as an  independent
contractor. AMERICOM will pay all expenses relating to its office and activities
and be responsible for the compensation and expenses of its employees.

2.4 AMERICOM shall comply with NET2PHONE's reasonable written policies which are
provided to AMERICOM, and shall communicate same to the Accounts.

2.5 AMERICOM  shall  present all orders as received  from the Accounts and shall
not, without NET2PHONE's prior written approval, alter, enlarge or limit orders;
accept the return of or make any allowance for Products sold. Orders are subject
to NET2PHONE's  acceptance and shall not be binding on NET2PHONE unless accepted
by NET2PHONE.

2.6 AMERICOM shall  promptly  furnish to NET2PHONE any  information  that it may
have, from time to time, relative to the credit standing of any of its Accounts.

2.7 AMERICOM agrees that it will attend,  at NET2PHONE's  request,  a reasonable
number  of   Account-specific   trade  shows  necessary  for  the  promotion  of
NET2PHONE's  Products  and will  perform  such tasks as  reasonably  required by
NET2PHONE at such trade shows.

2.8 AMERICOM agrees to make no false or misleading  representations with respect
to NET2PHONE or NET2PHONE's Products.  AMERICOM shall make no express or implied
warranties to customers or prospective  customers or their representatives or to
any other  person on behalf of  NET2PHONE  with  respect  to any of  NET2PHONE's
Products without  NET2PHONE's  express written consent.  AMERICOM agrees to hold
NET2PHONE  harmless  from  all  damages  resulting  from  AMERICOM's  breach  of
obligations under this paragraph.

                            III. FINANCES & EXPENSES

3.1 NET2PHONE  shall  compensate  AMERICOM for sales of NET2PHONE's  Products to
Accounts in the amounts set forth in Exhibit A, and shall award  AMERICOM  stock
options in accordance with the terms of Exhibit C.

3.2 AMERICOM's  commissions  shall be a percentage of the "Net Invoice  Revenue"
collected from the Accounts based upon the then- current Net Invoice Price as of
the time of any such  sale or  order,  set  forth on  Exhibit  B.  "Net  Invoice
Revenue"  shall  mean the  total  amount  collected  from an  Account  excluding
shipping charges,  mailing costs,  taxes,  insurance,  freight  allowances,  and
returns.

3.3 Commissions  will be paid within thirty (30) days after the end of the month
in  which  shipment  was  made,  together  with a  detailed  reconciliation  and
explanation of commissions paid; provided,  however,  that with respect to sales
resulting in a commission less than One Hundred ($100) Dollars,  such commission
shall be paid within sixty (60) days.

3.4  NET2PHONE  may deduct from any  commission  due  AMERICOM the amount of any
commissions  previously  paid or credited to AMERICOM on any sale of NET2PHONE's
Products  to the extent  that such  commission  has been paid or  credited  with
respect to any Product returned by the Account or on allowances  credited to the
Account for any reason by NET2PHONE.

3.5 In the event an Account fails to pay an invoice,  after  NET2PHONE has taken
reasonable  steps to effectuate  collection,  NET2PHONE shall advise AMERICOM in
writing of its intent to charge back  commissions  on the unpaid balance of such
invoice.  NET2PHONE  may then  deduct  the amount of  commissions  earned on the
unpaid invoice amount from AMERICOM's next commission check. However,  NET2PHONE
shall have the option to request that AMERICOM take reasonable  steps to collect
the entire amount of the debt or any portion thereof and upon collection, retain
the  appropriate  commission  percentage of collected  revenue,  as specified in
Exhibit A, and remit to NET2PHONE the balance of the amount  collected,  if any.
In the event that AMERICOM  shall not succeed in collecting  such unpaid Account
balance,  AMERICOM  shall not be required to commence  legal action  against any
Account(s),  and AMERICOM shall not be held responsible to remit any such unpaid
Account balance, notwithstanding commission chargebacks.

                                       2
<PAGE>
                              IV. LEGAL FORMALITIES

4.1  NET2PHONE's  Exclusive  Rights.  NET2PHONE is and shall at all times be and
remain the owner of the Products,  the NET2PHONE services (the "Services"),  the
NET2PHONE  software (the "Software") and the NET2PHONE hardware (the "Hardware")
including,  without  limitation,  the  intellectual  property rights  associated
therewith  and  AMERICOM  shall not at any time be deemed to have  acquired  any
right in and to such  property.  AMERICOM  shall not sell the  Products  under a
private label without the prior written consent of NET2PHONE, and AMERICOM shall
not sell any competing Internet protocol telephony products,  services, software
and/or  hardware  similar  to or the same as the  Products,  Services,  Software
and/or Hardware provided by NET2PHONE. AMERICOM shall not reproduce,  decompile,
disassemble or reverse  engineer any of NET2PHONE's  Hardware or Software in any
manner   whatsoever  for  any  purpose.   AMERICOM  shall  not  use  NET2PHONE's
trademarks,  trade names, service marks, copyrights,  patents or logos ("Marks")
without NET2PHONE's prior written consent. AMERICOM shall not interfere or cause
any third party to interfere with NET2PHONE's  intellectual property rights. All
Marks  as  well as  NET2PHONE's  trade  secrets,  trade  practices,  copyrights,
patents,  operating  practices and  procedures,  good will,  and all other items
tangible or  intangible,  used  presently  or in the  future,  are the assets of
NET2PHONE  and shall remain  NET2PHONE's  exclusive  property.  Should  AMERICOM
violate this provision  NET2PHONE  shall be entitled to terminate this Agreement
and obtain immediate injunctive relief in addition to any other legal rights and
remedies available to NET2PHONE.

4.2  Confidentiality.  Neither party to this Agreement  shall disclose the terms
and conditions of this Agreement to any third party, nor will either party issue
a press release and/or otherwise disclose the existence of this Agreement to the
media or general  public,  without  the  express  written  consent of the other.
During  the  term  of  this  Agreement,  AMERICOM  may  obtain  confidential  or
proprietary  information  regarding  NET2PHONE or its affiliates  ("Confidential
Information").  AMERICOM  shall  hold such  Confidential  Information  in strict
confidence  and  shall not  reveal  same  without  NET2PHONEs'  express  written
consent.  Should AMERICOM violate this provision  NET2PHONE shall be entitled to
terminate this Agreement and obtain immediate  injunctive  relief in addition to
any other legal rights and remedies available to NET2PHONE.

4.3 Change in NET2PHONE  Procedure.  NET2PHONE  reserves the right to change the
billing,  pricing,  carrier,  and any other  procedure  contained  herein in its
absolute  and final  discretion.  AMERICOM  will be  notified in writing of such
changes,  the  effective  date of such changes,  and of any  resulting  material
effect upon AMERICOM's or NET2PHONE's obligations under this Agreement; and such
notice  shall be  incorporated  herein  and shall  become an  amendment  to this
Agreement.

4.4 Term & Termination. The term of this Agreement is one (1) year from the date
first written above (the "Initial  Term").  This Agreement  shall  thereafter be
renewed on an annual basis,  subject to  termination by either party upon thirty
(30) days prior written notice to the other party.  NET2PHONE may terminate this
Agreement  immediately upon notice to AMERICOM and recover from AMERICOM any and
all amounts due NET2PHONE from AMERICOM,  if any, under this  Agreement,  in the
event (i) AMERICOM fails to perform AMERICOM's  obligations  hereunder,  or (ii)
AMERICOM is declared insolvent or bankrupt,  or a petition is filed in any court
of competent  jurisdiction under the applicable  bankruptcy laws,  including for
liquidation  or  reorganization.  In  addition,  NET2PHONE  may  terminate  this
Agreement  immediately if the passage or adoption of any law, rule or regulation
would make it  materially  more  expensive for NET2PHONE to provide the Services
under this  Agreement  or  pursuant to a  determination  that the  provision  of
Services  under  this   Agreement  is  contrary  to  existing  laws,   rules  or
regulations. Either party may terminate this Agreement without cause upon thirty
(30) days  prior  written  notice to the other  after the  Initial  Term of this
Agreement.  In the event of  termination,  AMERICOM shall return any advertising
materials,  sales items,  Product samples and all other items owned by NET2PHONE
upon written request by NET2PHONE. The obligations of the parties that, by their
nature, survive termination of this Agreement shall so survive.

4.5 Non-Waiver.  NET2PHONE's  failure to require  AMERICOM's  performance of any
term or condition of this Agreement  shall not constitute a waiver and shall not
affect the right of  NET2PHONE  to later  enforce  such  provision,  unless such
waiver is made  expressly in writing signed by an authorized  representative  of
NET2PHONE.

4.6  Force  Majeure.  Neither  party  shall  be  liable  (except  in the case of
nonpayment) for Service  interruptions,  delays,  failures to perform,  damages,
losses or  destruction,  or  malfunction  of any  equipment  or any  consequence
thereof caused or occasioned  by, or due to fire,  flood,  water,  the elements,
acts of God,  war and threat of  imminent  war,  labor  disputes  or  shortages,
utility   curtailments,   power  failures,   explosions,   civil   disturbances,
governmental  actions,  shortages of equipment for supplies,  unavailability  of
transportation,  acts or omissions of third  parties,  or any other cause beyond
the affected party's reasonable control.  The party so delayed or prevented from
performing  shall  provide  prompt  notice of such force majeure event and shall
exercise  good  faith  efforts  to  remedy  any  such  cause  of  delay or cause
preventing performance.

4.7 Product Warranty. Each Product shall be warranted by either NET2PHONE or the
Product  manufacturer,  or both, for a warranty period of twelve months from the
date of  purchase  subject  to the  conditions  set forth on the  warranty  card
provided with each Product.

                                       3
<PAGE>

4.8 No Other Warranties.  Except for the foregoing,  while NET2PHONE attempts to
provide Services consistent with industry  standards,  results may vary based on
the quality of the Internet  connection for which NET2PHONE is not  responsible.
ALL  SERVICES  PROVIDED BY NET2PHONE  ARE  PROVIDED ON AN "AS IS" BASIS  WITHOUT
WARRANTY  OF  ANY  KIND,  EXPRESS,  IMPLIED  OR  STATUTORY,   INCLUDING  WITHOUT
LIMITATION   WARRANTIES  AS  TO  THE  DESCRIPTION,   QUALITY,   MERCHANTIBILITY,
NON-INFRINGEMENT,  COMPLETENESS,  FITNESS  FOR A  PARTICULAR  PURPOSE,  ALL SUCH
WARRANTIES BEING EXPRESSLY EXCLUDED AND DISCLAIMED.

4.9 Limitation of Liability. In no event will NET2PHONE be liable to AMERICOM or
any third party, for any direct, indirect,  special, incidental or consequential
losses or damages  arising in any manner from this Agreement and the performance
or  non-performance  of  obligations  hereunder  whether a claim is  brought  in
contract,  tort or other legal  theory,  and even if  NET2PHONE  knew in advance
about the possibility of such losses or damage.

4.10 Indemnification.

     (a)  AMERICOM shall indemnify,  defend and hold NET2PHONE,  its affiliates,
          subsidiaries,  officers, agents, directors, shareholders and employees
          (collectively  "Affiliates")  harmless  from and  against  any and all
          claims,  liabilities,  losses  or  damages  which  arise  out  of  (i)
          AMERICOM's breach  (including any  subcontractors of AMERICOM) of this
          Agreement or any acts or omissions  which in any way  misrepresent  or
          harm NET2PHONE, its Affiliates or any Services; (ii) any claims by any
          of its subagents.
     (b)  NET2PHONE shall indemnify,  defend and hold AMERICOM harmless from and
          against any and all claims, liabilities, losses or damages which arise
          out of (i)  NET2PHONE's  breach  of  this  Agreement  or any  acts  or
          omissions  which in any way  misrepresent  or harm AMERICOM;  and (ii)
          NET2PHONE's  breach of Product  warranties;  and (iii) infringement of
          the intellectual property rights of any third party, including patent,
          copyright or trademark infringement.

4.11  Independent  Contractors.  The parties  expressly agree that NET2PHONE and
AMERICOM  are  acting   hereunder  as  independent   contractors  and  under  no
circumstances shall any of the employees of one party be deemed the employees of
the other for any purpose.  This  Agreement  shall not be construed as authority
for either  party to act for the other party in any agency or other  capacity or
to make  commitments  of any kind for the account of, or on behalf of, the other
party,  except to the extent,  and for the purposes,  expressly provided for and
set forth herein.

4.12 Amendment and Modification. Subject to paragraph 4.3, no change, amendment,
modification, termination or attempted waiver of any of the provisions set forth
herein  shall be binding  unless made in writing  and signed by duly  authorized
representatives  of  both  parties  hereto,  and  no  representation,   promise,
inducement  or statement of intention has been made by either party which is not
embodied herein.

4.13 Assignment and Subcontracting.  AMERICOM shall not assign this Agreement or
any rights under this Agreement  without the prior written consent of NET2PHONE.
Subject to the foregoing,  this Agreement shall be binding upon and inure to the
benefit  of the  parties  hereto and their  respective  successors  or  assigns.
AMERICOM shall be permitted to subcontract to other  marketing  firms,  provided
that  it  shall  give  prior   written   notice  to   NET2PHONE   of  each  such
subcontractor's  name,  address  and  other  reach  information;  and  shall  be
responsible to ensure that all of the activities of such subcontractors shall be
in full compliance with each and every term and condition of this Agreement.

4.14 Notices. Any notice, approval, request,  authorization,  direction or other
communication  under this  Agreement will be given in writing and will be deemed
to have been  delivered and given for all purposes  herein two (2) business days
after it is sent by registered  or certified  mail,  prepaid and return  receipt
requested, or by nationally recognized overnight courier service, duly addressed
and with proper postage.  or upon receipt if sent via confirmed  facsimile or by
personal  delivery,  to the address set forth above or such other address as may
be provided by the other  party in writing  for the  purpose of  receiving  such
notices.

4.15  Jurisdiction.  This  Agreement  and the  relationship  between the parties
hereto shall be governed by the laws of the State of New Jersey  without  giving
effect to its conflicts of law provisions. Both parties consent to the exclusive
jurisdiction and venue in the courts of New Jersey.

4.16  Severability.  If a provision  of this  Agreement is held to be invalid or
unenforceable for any reason,  such determination  shall not affect the validity
or  enforceability  of any other part or provision of this Agreement in any way.
The parties agree to replace any invalid provision with a valid provision, which
most  closely  approximates  the  intent  and  economic  effect of such  invalid
provision.

4.17 Headings.  The article and paragraph headings used herein are for reference
purposes only, and shall not in any way affect the meaning or  interpretation of
this Agreement and the terms and provisions herein.

4.18 Counterparts. This Agreement may be executed in counterparts, each of which
shall be deemed an original, but all of which taken together will constitute one
and the same instrument.

                                       4
<PAGE>

4.19 Entire Agreement.  This Agreement,  including any exhibits attached hereto,
sets forth the entire  agreement  and  understanding  of the parties  hereto and
supersedes   and   merges   any   and   all   prior   proposals,   negotiations,
representations,  agreements,  arrangements  or  understandings,  both  oral and
written,  relating to the subject  matter  hereof.  The parties  hereto have not
relied on any proposal, negotiation or representation,  whether written or oral,
that is not expressly set forth herein.

4.20 Authority.  Each party represents and warrants that: i) the signatory shown
below has the  authority to bind the party on whose  behalf  he/she is executing
this Agreement; ii) the execution and delivery of this Agreement and performance
of such party's  obligations  hereunder have been duly authorized;  and iii) the
Agreement is a valid and legal agreement binding on such parties and enforceable
in accordance with its terms.

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

<TABLE>

<S>                                        <C>

AmericomOnline.com, Inc.                   Net2Phone, Inc.

By: _________________________________      By: ____________________________________
Authorized Representative's Signature      Authorized Representative's Signature

_____________________________________      Jonathan Rand, Executive Vice President & Treasurer
Printed Name, Title
</TABLE>

                                       5

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