Document:

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                                                      Exhibit 10.61

                    REVOLVING LINE OF CREDIT PROMISSORY NOTE
                    ----------------------------------------

1.       FUNDAMENTAL PROVISIONS
         ----------------------

         The following terms will be used as defined terms in this Note:

<TABLE>
<CAPTION>

         DATE OF THIS NOTE:                 April 12, 1999

         <S>                      <C>
         BORROWER:                JAMES KOLSRUD

         LENDER:                  STAR TELECOMMUNICATIONS, INC., a Delaware
                                  corporation

         PRINCIPAL AMOUNT:        One Hundred Thousand Dollars ($100,000.00)

         INTEREST RATE:           Eight percent (8%) per annum, or the maximum
                                  rate permitted by law, whichever is less
</TABLE>

2.       PROMISE TO PAY
         --------------

         For good and valuable consideration, Borrower promises to pay to
Lender, or order, the Principal Amount, or so much thereof as is advanced
(pursuant to the terms of this Note) and outstanding, with interest at the
Interest Rate from the dates of the respective advances by Lender, until paid,
in accordance with the terms contained herein. The unpaid balance of this
obligation at any time shall be the total amounts advanced hereunder less the
amount of payments made hereon by or for Maker, which balance may be endorsed
from time to time by Holder at EXHIBIT A hereto. Interest shall be computed on
the basis of a three hundred sixty (360) day year and the actual number of days
elapsed. Should any interest not be paid when due, it shall thereafter accrue
interest as principal.

3.       LIMITATIONS ON ADVANCES
         -----------------------

          Advances of the Principal Amount shall be made by Lender to Borrower
at any time and from time to time at the written request of Borrower ("Advance
Request"); provided, however, in no event shall the outstanding Principal Amount
exceed in the aggregate the amount of One Hundred Thousand Dollars
($100,000.00). Advances shall be paid to Borrower within ten (10) business days
following the receipt by Lender of the Advance Request. Notwithstanding the

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foregoing, no advances shall be made hereunder following the delivery by Lender
to Borrower of the Maturity Date Notice or a Default Notice.

4.       INTEREST
         --------

         Interest shall be payable monthly on or before the first (1st) day of
each calendar month during the term hereof, commencing on the first day of the
first full calendar month following the initial advance of the Principal Amount
made hereunder. The monthly payments of interest shall be based upon estimates
of the actual amounts of interest payable with respect to the outstanding
Principal Amount, as increased from time to time by the advances, and reduced
from time to time by the repayments, made in accordance herewith. Lender shall
deliver to Borrower on a quarterly basis a statement ("Interest Statement") of
the actual interest payable by Borrower under this Note for the preceding
calendar quarter. In the event that the aggregate amount of interest paid by
Borrower during a calendar quarter exceeds the actual amount of interest payable
for said calendar quarter, as specified in the Interest Statement, such excess
shall be applied to reduce the Principal Amount outstanding effective as of the
end of said calendar quarter. In the event that the aggregate amount of interest
paid by Borrower during a calendar quarter is less than the actual amount of
interest payable for said calendar quarter, as specified in the Interest
Statement, such deficiency shall be paid by Borrower, together with the next
monthly payment of interest due hereunder.

5.       MATURITY DATE
         -------------

         The Principal Amount (as advanced hereunder from time to time) and all
accrued and unpaid interest shall be due and payable on the date of the
expiration of the one (1) year period following the delivery by Lender to
Borrower of a written demand for payment of all outstanding indebtedness
hereunder, including all outstanding amounts of the Principal Amount and all
accrued and unpaid interest ("Maturity Date Notice").

6.       APPLICATION OF PAYMENTS
         -----------------------

         All payments shall be applied first to accrued interest, and then to
the Principal Amount.

7.       PLACE AND MANNER OF PAYMENT
         ---------------------------

         All payments shall be made to Lender at 223 East De La Guerra Street,
Santa Barbara, California 93101, or at such other place as Lender may from time
to time designate. All payments shall be made

                                     -2-

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in lawful money of the United States. Checks will constitute payment only
when collected.

8.       PREPAYMENTS
         -----------

         The Principal Amount or any portion thereof may be prepaid at any time
and from time to time without penalty.

9.       EVENT OF DEFAULT
         ----------------

         At the option of Lender, it shall be an "Event of Default" hereunder if
(i) Borrower fails to pay when due any sum payable under this Note; (ii)
Borrower fails to perform any obligation or commits a breach of any agreement
set forth in this Note; (iii) any event of default by Borrower under any other
agreement between Borrower and Lender or any other promissory note or instrument
executed by Borrower in favor of Lender; or (iv) any of the following: (a) an
application by Borrower for, or his consent to, the appointment of a trustee,
receiver, or custodian of his assets is filed; (b) an order for relief with
respect to Borrower is filed in proceedings under the United States Bankruptcy
Code, as amended or superseded from time to time; (c) Borrower makes a general
assignment for the benefit of creditors; (d) an order, judgment, or decree by
any court of competent jurisdiction appointing a trustee, receiver, or custodian
of the assets of Borrower is entered, unless the proceedings and the person
appointed are dismissed within ninety (90) days; (e) Borrower fails generally to
pay his debts as the debts become due within the meaning of Section 303(h)(1) of
the United States Bankruptcy Code, as determined by the Bankruptcy Court; or (f)
Borrower admits in writing his inability to pay his debts as they become due.

10.       ACCELERATION
         ------------

         Upon the occurrence of an Event of Default, then, at the option of
Lender, the entire sum of the outstanding Principal Amount and all accrued and
unpaid interest shall become immediately due and payable within sixty (60) days
following the delivery to Borrower of written notice thereof ("Default Notice").

11.       ATTORNEYS' FEES
         ---------------

         If Lender refers this Note to an attorney to enforce, construe or
defend any provision hereof, or as a consequence of any Event of Default
hereunder, with or without the filing of any legal action or proceeding,
Borrower shall pay to Lender upon demand the amount of all attorneys' fees,
costs and other expenses incurred by Lender in connection therewith, together
with interest thereon from the date of demand at the Interest Rate. The
reference to "attorneys' fees" in this Paragraph shall include without
limitation such

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amounts as may then be charged by Lender for legal services furnished by
attorneys in the employ of Lender at rates not exceeding those that would be
charged by outside attorneys for comparable services.

12.       WAIVER OF DEFAULTS
         ------------------

         No delay or omission of Lender in exercising any right or power arising
in connection with any Event of Default shall be construed as a waiver or as an
acquiescence therein, nor shall any single or partial exercise thereof preclude
any further exercise thereof. Lender may, at its option, waive any of the
conditions herein and no such waiver shall be deemed to be a waiver of Lender's
rights hereunder, but rather shall be deemed to have been made in pursuance of
this Note and not in modification thereof. No waiver of any Event of Default
shall be construed to be a waiver of or acquiescence in or consent to any
preceding or subsequent Event of Default.

13.      WAIVER OF NOTICES
         -----------------

         Except as provided in this Note, Borrower, and all endorsers, all
guarantors and all persons liable or to become liable on this Note waive
presentment, protest, demand, notice of protest, dishonor or non-payment of this
Note, and any and all other notices or matters of a like nature, consent to any
and all renewals and extensions of the time of payment hereto, and agree further
that at any time and from time to time without notice, the terms of payment
hereof may be modified, or any security at any time securing this Note may be
released in whole or in part, or increased, changed or exchanged by agreement
between Lender and any owner of any collateral affected thereby, without in any
way affecting the liability of Maker under this Note, or any endorser, any
guarantor, or any person liable or to become liable with respect to any
indebtedness evidenced hereby.

14.      MISCELLANEOUS PROVISIONS
         ------------------------

         No provision of this Note may be amended, modified, supplemented,
changed, waived, discharged or terminated unless Lender consents thereto in
writing. In case any one or more of the provisions contained in this Note should
be held to be invalid, illegal or unenforceable in any respect, the validity,
legality and enforceability of the remaining provisions contained herein shall
not in any way be affected or impaired thereby. This Note shall be binding upon
and inure to the benefit of Borrower, Lender, and their respective successors
and assigns. This Note is not assumable. Lender shall have the right to sell,
assign or otherwise transfer, either in part or in its entirety, this Note,
without Borrower's consent, with any such transferee being entitled

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to be treated in all favorable respects as a holder or holders in due course.
Time is of the essence of this Note and the performance of each of the
covenants and agreements contained herein. This Note shall be governed by and
construed in accordance with the laws of the State of California. If Borrower
consists of more than one person or entity, the obligations of Borrower shall
be the joint and several obligations of all such persons or entities, and any
married person who executes this Note agrees that recourse may be had against
his or her separate property for satisfaction of his or her obligations
hereunder.

         IN WITNESS WHEREOF, Borrower has executed this Note on the Date of this
Note.

                                 BORROWER:

                                 ---------------------------------------
                                 JAMES KOLSRUD

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                                                                  Exhibit 10.62

CHASE EQUIPMENT LEASING, INC.

THIS MASTER LEASE PURCHASE AGREEMENT dated as of February 20, 1998 (hereinafter
referred to as "Lease") by and between Chase Equipment Leasing, Inc., a New York
corporation, with a place of business located at One Chase, Rochester, NY 14643
(hereinafter referred to together with its assigns, if any, as "Lessor") and
PHONETIME TECHNOLOGIES, INC., a (corporation / partnership / proprietorship /
limited liability company) organized and existing under the laws of the State of
with its mailing address and chief place of business at 30-50 Whitestone
Expressway, Flushing, New York 11354 (hereinafter referred to as "Lessee").

The Parties hereto for good and valuable consideration and intending to be
legally bound hereby agree as follows:

1.   PROCEDURE FOR LEASING:
     (a) SCHEDULES. Subject to the terms and conditions set forth herein, Lessor
agrees to lease to Lessee and Lessee agrees to lease from Lessor such unit or
units of equipment (the "Equipment" and individually sometimes "Item" or "Item
of Equipment") described in any Master Lease Schedule (a "Schedule") from time
to time executed by the parties pursuant hereto, and any and all such Schedules
are deemed a part hereof. Each Schedule incorporates by reference this Lease and
shall constitute, subject to Section 9 hereof, a separate lease. Capitalized
terms not otherwise defined herein have the meaning provided for in any
Schedule.
     (b) CONDITIONS PRECEDENT. The obligation of Lessor to purchase Equipment
from the manufacturer or supplier thereof ("Supplier") and to lease the same to
Lessee under any Schedule is subject to receipt by Lessor prior to the
Commencement Date with respect to the Schedule of each of the following
documents in form and substance satisfactory to Lessor: (i) a Schedule relating
to the Equipment then being leased hereunder, (ii) a purchase order assignment,
(iii) a Certificate of Acceptance and Closing Certificate, (iv) a certificate of
Insurance which complies with the requirements of Section 4(f) and the Schedule,
and (v) a bill of sale transferring title to each Item to Lessor and such other
documents and conditions as Lessor may reasonably require including Lessor's
determination that there has been no material adverse change in the financial
condition of Lessee or any Guarantor. Lessor hereby appoints Lessee its agent
for inspection and acceptance of each Item from the Supplier. Upon execution by
Lessee of the Certificate of Acceptance, each Item described therein will be
deemed to have been delivered to, and irrevocably accepted by Lessee for lease
hereunder.
2.   TERM AND RENT:
     The lease of and rent for Equipment will commence on the day specified in
the related Schedule as the Commencement Date, and will continue for the period
specified as the "term" therein as the same may be extended pursuant to the
terms hereof. Lessee promises to make each payment of rent during the term on
the due dates and in the amounts set forth in each Schedule without notice or
demand at Lessor's address set forth above or as otherwise directed by Lessor in
writing and no payment of rent will be refunded for any cause or reason
whatsoever. The parties hereto intend that the rents and other amounts payable
by Lessee hereunder will continue to be payable in all events unless the
obligation to pay same is terminated pursuant to the terms hereof. If any
payment hereunder falls due on a day on which Lessor is not open for business,
such payment shall be due and payable on the next preceding day on which Lessor
is open for business. To secure all obligations of Lessee under each Schedule,
Lessee hereby grants to Lessor a security interest in: (i) any security deposit
or advance rent paid by Lessee

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hereunder, each of which shall be in all cases non-interest bearing; and (ii)
all other funds, balances, accounts, proceeds of collateral and/or other
property of any kind of Lessee or in which Lessee has an interest now or
hereafter in the possession, custody, or control of Lessor or The Chase
Manhattan Bank and any of its direct or indirect affiliates and subsidiaries,
including without limitation Chase Securities, Inc.
3.   LATE CHARGE:
     If any rent or any other amount due hereunder from Lessee other than the
amounts due under this Section 3 is not paid within five (5) days after the due
date, Lessee agrees to pay a late charge equal to five percent (5%) on the
amount of such delinquent rent or other payment, but not exceeding the maximum
amount permissible under applicable law. The failure of Lessor to collect any
late charge will not constitute a waiver of Lessor's right with respect thereto.
Late charges will be due and payable on the due date for the next following
payment of rent.
4.   LESSEE REPRESENTATIONS AND COVENANTS:
     Lessee represents and warrants, and covenants and agrees, as follows and
each such representation, warranty and covenant shall be deemed made and renewed
as of the date hereof and as of the Commencement Date under each Schedule
without the necessity of any further act or instrument:
     (a) GENERAL. (i) Lessee is duly organized and validly existing under the
laws of the state indicated at the outset; this Lease and each Schedule and all
instruments delivered in connection herewith and therewith have been duly
authorized by all necessary action, and duly executed and delivered and
constitute valid, legal and binding agreements, enforceable in accordance with
their terms except to the limited by applicable bankruptcy and insolvency laws;
and no such document nor Lessee's performance thereunder will conflict with
Lessee's performance thereunder will conflict with Lessee's organizational
documents or with any indenture, contract or agreement by which Lessee is bound
or with any statute, judgment, decree, rule or regulation binding upon Lessee;
(ii) no consent or approval of any trustee or holder of any indebtedness or
obligation of Lessee, and no consent or approval of any governmental authority,
is necessary for Lessee's execution or performance of this Lease; (iii) there is
no litigation or other proceeding pending, or to the best of the Lessee's
knowledge, threatened against or affecting Lessee which, if decided adversely to
Lessee, would adversely affect or impair the title of Lessor to the Equipment or
which, if decided adversely to Lessee would materially adversely affect the
business operations or financial condition of Lessee; (iv) all balance sheets,
statements of profit and loss and other financial data that have been delivered
to Lessor with respect to Lessee are complete and correct in all material
respects, fairly present the financial condition of the Lessee on the dates for
which, and the results of its operations for the periods for which, the same
have been furnished and have been prepared in accordance with generally accepted
accounting principles consistently applied; and (v) there has been no material
adverse change in the condition of Lessee, financial or otherwise, since the
date of the most recent financial statements delivered to Lessor.
     (b) NO ABATEMENT. This is a net Lease and Lessee's promise to pay rent and
all other amounts hereunder is irrevocable and independent and not subject to
cancellation, termination, modification, repudiation, excuse or substitution
without the written consent of Lessor. Lessee agrees to pay all such amounts
when due by acceleration or otherwise without abatement, irrespective of any
claims, demands, set-offs, actions, suits, or proceedings that it may have or
assert against Lessor or any Supplier or manufacturer of Equipment. Lessor will
have no liability to Lessee upon the failure of any Supplier, manufacturer or
one or more others to perform any obligations at any time due to Lessor,

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Lessee or any other person and, in all such events, Lessee waives any right
in any suit, action or proceeding to any exemplary, punitive or consequential
damages whatsoever.
     (c) LIENS AND ENCUMBRANCES. THE EQUIPMENT IS FREE AND CLEAR FROM ALL
CLAIMS, LIENS AND ENCUMBRANCES WHATSOEVER; LESSEE WILL DEFEND THE EQUIPMENT
AGAINST ALL LIENS AND WILL NOT SELL, ASSIGN, SUBLET, MORTGAGE, OR ALTER ANY OF
THE EQUIPMENT LEASED HEREUNDER OR ANY INTEREST IN THIS LEASE, NOR WILL LESSEE
REMOVE ANY OF THE EQUIPMENT FROM THE LOCATION SPECIFIED IN THE SCHEDULE WITHOUT
THE PRIOR WRITTEN CONSENT OF LESSOR, AND ANY ATTEMPT TO SO SELL, ASSIGN, SUBLET,
MORTGAGE, HYPOTHECATE, ALTER OR REMOVE WILL CONSTITUTE A DEFAULT HEREUNDER AND
SUCH SALE, ASSIGNMENT, SUBLEASE, MORTGAGE, OR HYPOTHECATION WILL BE VOID AND
WITHOUT EFFECT. In order to secure all obligations of Lessee hereunder, Lessee
assigns and grants to Lessor a security interest in all rights, powers and
privileges under any sublease of the Equipment hereafter authorized in writing
by Lessor.
     (d) USE AND OPERATION. Lease will at all times use the Equipment only in
compliance with applicable laws and consistent with the instructions supplied
and use intended for such Equipment by the Supplier and manufacturer thereof.
Lessee will not use the Equipment to carry, contain or produce directly or
indirectly any hazardous substances as defined under applicable federal, state
or local law or regulation. Lessee will not without the prior written consent of
Lessor affix or install any accessory, equipment or device on any Equipment
leased hereunder if such addition will impair the originally intended function
or use of such Equipment. All additions, repairs, parts, supplies, accessories,
equipment and devices furnished, attached or fixed to any Equipment will
thereupon without further act or instrument become the property of Lessor
(except such as may be removed without in any way affecting or impairing the
originally intended function, condition or use of such Item). Further, Lessee
will not, without the prior written consent of Lessor and subject to such
conditions as Lessor may impose for its protection, affix to or install any
Equipment in any other personal property or in real property.
     (e) SERVICE AND MAINTENANCE. Lessee will at its sole expense at all times
maintain all Equipment in good operating order, repair, condition and appearance
and keep all Equipment protected from the elements, except during use in the
normally contemplated manner. At Lessor's request, Lessee will at its expense
affix in a prominent position on each Item of Equipment plates, tags or other
identifying labels showing ownership of the Equipment by Lessor. Lessor will at
all reasonable times have the right to inspect the Equipment and Lessee's
maintenance records related thereto. Lessee at its sole expense will make all
alterations and modifications with respect to the Equipment that may at any time
during the term of this Lease or any Schedule hereunder be required to comply
with any applicable law or any governmental rule or regulation.
     (f) INSURANCE. Lessee hereby assumes all risks of damage, loss, theft, or
destruction, partial or complete, with respect to each Item of Equipment during
the term of the Lease and during any storage period until Lessee has returned or
disposed of the Equipment as provided for herein. Lessee will at its own expense
keep each Item of Equipment insured for an amount at least equal to the
Stipulated Loss Value of the Equipment as set forth in the Schedule against all
risks with extended coverage and insurance companies acceptable to Lessor with
Lessor named as loss payee. Lessee agrees to obtain and maintain at its expense
with insurance companies acceptable to Lessor general public liability insurance
naming Lessor as an additional insured together with Lessee, as their interests
may appear, in no event less than One Million Dollars (1,000,000) or such
greater amount, if any, as specified in the related Schedule against

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claims for bodily injury, death or property damage arising out of the use,
ownership, possession, operation or condition of the Equipment. Each insurer
will agree, by endorsement upon the policy or policies issued by it, or by
independent instruments furnished to Lessor, that Lessor will have the power
to file claims against the insurer under said policy, that it will give
Lessor thirty (30) days written notice before the policy or policies in
question will be altered, expired or canceled, and that no act or default of
any person other than Lessor, its agents, or those claiming under Lessor,
will affect Lessor's right to recover under such policy or policies in case
of loss. Although any and all obligations imposed on the insured shall be
obligations solely of Lessee, Lessee will deliver to Lessor the policies or
evidence of insurance satisfactory to Lessor prior to the Commencement Date
and thirty (30) days prior to each expiration date thereof for each Item of
Equipment. The failure of Lessee to secure or maintain such insurance will
constitute a default under this Lease. In the event of such breach, Lessor
may, but will not be obligated to, obtain such insurance. In the event that
Lessor obtains such insurance, an amount equal to the cost of such insurance
will be deemed supplemental rent to be paid forthwith by Lessee. In the event
that any policies insuring against liability risks described above shall now
or hereafter provide coverage on a "claims made" basis, Lessee shall continue
to maintain such policies in effect for a period of not less than three years
after the expiration of the Lease term of any Schedules.
     (g) DISPOSITION OF EQUIPMENT. Upon termination of any Schedule under the
Lease by expiration of the term hereof, except as provided for in Section 9,
Lessor will, upon satisfaction of all Lessee's obligations to Lessor with
respect to any particular Item of Equipment and provided Lessee is not otherwise
then in default hereunder or under any other Schedule, transfer title to such
Item to Lessee.
5.   TRANSFER OF WARRANTIES:
     To the extent permitted by law and contract, Lessor will pass through
without representation to Lessee the benefit of all warranties, if any, of the
Supplier of the Equipment and, so long as there is no default hereunder, Lessee
will have the right to, and will, directly avail itself of all warranties by the
Supplier with respect to the Equipment. Lessor will not take any action which
prejudices Lessee's right to, or under the terms of, any such warranty. If
subsequent to the Commencement Date Lessee shall determine that the Equipment is
unsatisfactory for any reason including any failure of the Equipment to conform
to the specifications set forth in any purchase order, Lessee shall make any
claim on account thereof solely against the Supplier and Lessee will give Lessor
notice of any such claim made by Lessee against any Supplier and any cash
settlement of any such claim will be payable solely to Lessor.
6.   LOSS OR DAMAGE:
     (a) Lessee hereby assumes and is solely responsible for the entire risk of
use and operation of the Equipment and for each and every accident or hazard
resulting therefrom and all losses and damages associated therewith howsoever
arising.
     (b) In the event of total loss, destruction, theft, confiscation or damage
beyond repair (determined without reference to the remaining term with respect
thereto) to the Equipment or any Item (a "Casualty Occurrence"), Lessee will pay
to Lessor on the next due date for rent following the Casualty Occurrence or on
the last day of the term thereof, whichever first occurs, any unpaid rent due
with respect to such Equipment plus an amount determined by application of the
liquidated damage provision in the third paragraph of Section 9 hereof. Upon
payment of such amounts, and provided no default exists hereunder, Lessee will
be entitled to recover possession of such Item and title thereto will vest in
Lessee free and clear of the right and interest of Lessor.
     (c) In the event of damage to any Item of Equipment which does not amount
to a Casualty Occurrence, Lessee will give prompt notice of such damage to
Lessor and at

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Lessee's sole cost and expense promptly repair such Item to its previous
condition which assumes Lessee has met all of its obligations required for
maintenance hereunder. Provided Lessee is not in breach or default of this
Lease, any proceeds of insurance received by Lessor with respect to any such
loss will be paid over by Lessor to Lessee to the extent necessary to
reimburse Lessee for costs incurred and paid by Lessee in repairing such
damaged Equipment, but only upon evidence satisfactory to Lessor that such
repairs have been accomplished.
7.   FIRST PRIORITY LIEN:
     Lessee represents and warrants to Lessor for each Schedule that upon the
filing of the financing statements delivered to Lessor on or prior to the
respective Commencement Date in the jurisdiction(s) where the Equipment is
located as indicated in the related Schedule, then Lessor shall have a first
prior perfected security interest in the Equipment free and clear of all other
liens and encumbrances except the interest of Lessee hereunder.
8.   INDEMNIFICATION:
     LESSEE ACKNOWLEDGES THAT IT ALONE SELECTS THE EQUIPMENT AND THE SUPPLIER(S)
THEREOF. LESSEE UNDERSTANDS AND AGREES THAT LESSOR MAKES NO REPRESENTATION OR
WARRANTY OF ANY KIND, EXPRESSED OR IMPLIED, WITH RESPECT TO THE EQUIPMENT
INCLUDING THE CONDITION OF THE EQUIPMENT, ITS MERCHANTABILITY OR FITNESS FOR ANY
PARTICULAR PURPOSE, AND, AS TO LESSOR, LESSEE LEASES THE EQUIPMENT AS IS. NO
DEFECT OR UNFITNESS OF THE EQUIPMENT SHALL RELIEVE LESSEE OF THE OBLIGATION TO
PAY RENT OR OF ANY OTHER OBLIGATION UNDER THIS LEASE. Accordingly, Lessee agrees
to indemnify, save and keep harmless Lessor, its agents, employees, successors
and assigns from and against any and all losses, damages, expenses (including
legal expenses), penalties, injuries, claims, actions and suits of whatsoever
kind and nature, in contract or tort, howsoever arising from any cause
whatsoever including, but not limited to, Lessor's strict liability in tort, or
otherwise arising out of (i) the selection, manufacture, purchase, financing,
acceptance or rejection of Equipment, the ownership of Equipment during the term
of the Lease, and the delivery, lease, possession, maintenance, uses, condition,
return or operation of Equipment (including without limitation, latent and other
defects, whether or not discoverable by Lessor or Lessee and any claim for
patent, trademark or copyright infringement); or (ii) the condition of Equipment
sold or disposed of after use by Lessee, any sublessee or employee of Lessee.
Lessee will, upon request, at its expense, defend any and all actions base on,
or arising out of, any of the foregoing. This indemnification shall survive the
expiration or cancellation of the Lease.
9.   DEFAULT; REMEDIES:
     Each of the following will constitute a default hereunder; (a) Lessee fails
to pay rent within five (5) days from and after the date such payment of rent is
due and payable or Lessee fails to pay any other amount when due under any
Schedule; (b) Lessee fails to maintain the insurance required hereunder or
breaches any other term, provision, obligation or covenant hereof (including
without limitation any Schedule) or commits any other act of default specified
in this Lease; (c) any representation or warranty of Lessee contained herein or
in any other document or instrument delivered in connection herewith or made
from time to time hereafter is false or misleading when made; (d) Lessee or any
guarantor, surety, endorser or pledgor of property given to secure Lessee's
obligations hereunder ("Guarantor") becomes insolvent, ceases to do business as
a going concern, or transfers or sells all or substantially all of its assets
without the prior written consent of Lessor; (e) the Equipment or any Item is
abused, illegally used, or misused; (f) the death, dissolution , merger,
consolidation or reorganization of Lessee or any Guarantor; (g) Lessee or any
Guarantor makes any assignment for the benefit of

<PAGE>

creditors, or if a petition in bankruptcy, reorganization, insolvency,
receivership or the like is filed with respect to Lessee or any Guarantor or
property of Lessee or any Guarantor is attached or a receiver, trustee or
liquidator is appointed for Lessee or any Guarantor or any of Lessee's or
Guarantor's property or whenever Lessor may deem itself insecure hereunder;
(h) the transfer of more than a 25% ownership interest in Lessee or any
Guarantor by shareholders, partners, members or proprietors thereof in any
year without Lessor's prior written consent, (i) Lessee or any Guarantor (x)
incurs any accumulated funding deficiency within the meaning of the Employee
Retirement Income Security Act of 1974, as amended from time to time and the
regulations thereunder, equal to 5% of Lessee's consolidated tangible net
worth (as defined by generally accepted accounting principles), or (y) incurs
any liability of comparable size to the pension Benefit Guaranty Corporation,
(j) Lessee or any material subsidiary or any Guarantor fails to comply with
the provisions of the Fair Labor Standards Act of 1938, as amended, (k)
Lessee or any Guarantor fails to pay or perform or observe any term,
covenant, agreement or condition contained in, or there shall occur any
payment or other default under or as defined in, any other agreement
applicable to Lessee or any Guarantor or by which Lessee or any Guarantor is
bound (as used herein, an "Other Agreement") involving a liability,
indebtedness or performance obligation of Lessee or any Guarantor with a
potential liability to Lessee or any Guarantor in an amount equal to or in
excess of $50,000, which shall not be remedied within the period of time (if
any) within which such Other Agreement permits such default to be remedied,
regardless of whether such default (i) is waived by any other party to such
Other Agreement or (ii) produces or results in the cancellation of such Other
Agreement or the acceleration of such liability, indebtedness or other
obligation; (l) attachment, distraint, levy, execution or final judgment for
the payment of money aggregating in excess of $50,000 will be outstanding
against Lessee or its property for more than sixty (60) days from the date of
entry and will not have been discharged in full or stayed or fully bonded;
(m) Lessee or any Guarantor shall suffer the loss of any material license or
franchise when Lessor shall reasonably conclude that such loss fairly impairs
Lessee's or such Guarantor's ability to perform its obligations required
hereunder or with respect hereto; or (n) Lessee or any Guarantor shall
violate any financial covenant contained in any agreement for borrowed money
applicable to Lessee or Guarantor as of the Commencement Date of any Schedule
and all such financial covenants shall survive the satisfaction of debt
applicable thereto and shall be deemed incorporated herein by reference and
remain fully applicable to Lessee's obligations hereunder.
     Upon any such default, Lessor, at its option, may do any one or more of the
following: (1) declare this Lease and any or all Schedules in default upon
notice to Lessee, whereupon the entire amount of rent and all other amounts
remaining to be paid over the balance of the term of all Equipment then leased
thereunder, computed from the date of Lessee's default, will become immediately
due and payable and be accelerated; (2) proceed by appropriate court action or
actions to enforce Lessee's performance of this Lease and/or to recover damages
for the breach thereof; (3) cancel this Lease and any or all Schedules upon
notice to Lessee; (4) whether or not this Lease or any Schedules be so
cancelled, and without notice to Lessee, repossess the Equipment wherever found,
with or without legal process, and for this purpose Lessor and/or its agents may
enter upon any premises of or under control or jurisdiction of Lessee or any
agent of Lessee without liability for suit, action or other proceeding by Lease
(any damages occasioned by such repossession being hereby expressly waived by
Lessee except for damages occasioned by gross negligence or willful misconduct)
and remove the Equipment therefrom. Lessor's remedies as provided herein are not
exclusive but are cumulative and in addition to all other remedies in Lessor's
favor at law, in equity or in bankruptcy. The receipt and

<PAGE>

acceptance by Lessor of any rent or other payment after a default will not be
deemed to be a waiver of such default by Lessor. Lessor shall not, by any
act, delay, omission, or otherwise, be deemed to have waived any default or
any of its rights or remedies hereunder unless such waiver be in writing,
signed by the Lessor, and then only to the extent therein set forth. In the
event that any court determines that any provision in this Lease is invalid
or unenforceable in whole or in part, such determination will not prohibit
Lessor from establishing its damages as a result of any breach of this Lease
in any action in which Lessor seeks to recover such damages. Any repossession
or resale of any Equipment will not bar an action for damages for breach of
this Lease, and the bringing of an action or the entry of judgment against
Lessee will not bar Lessor's right to repossess any or all Equipment. Upon
cancellation of any Schedule upon default, Lessee will, at its sole cost and
expense, cease using the Equipment, store the Equipment for up to ninety (90)
days while maintaining the insurance required above, promptly return the
Equipment to Lessor when directed to do so F.O.B. the destination specified
by Lessor, in the same condition as received, reasonable wear and tear and
normal depreciation excepted. Lessee shall pay on demand holdover rent equal
to a full monthly rent for each month or any day thereof during which Lessee
fails to return the Equipment when so directed by Lessor and this obligation
is without limitation to any consequential damages for which Lessee may be
responsible as a result of such failure to return the Equipment.
     With respect to any Equipment returned to Lessor, or repossessed by Lessor
pursuant to provision (4) above, Lessor may hold or use such Equipment for any
purpose whatsoever or either sell same at private or public sale, for cash or
credit, or re-lease same for such term and upon such rental as will be solely
determined by Lessor. In the event that Lessor is able to sell or re-lease all
or any Equipment returned to Lessor then the proceeds of any sale or re-leasing
of such Equipment, after first deducting therefrom all costs and expenses of
repossession, storage, repairs, reconditioning, sale, re-leasing, attorneys'
fees and collection fees with respect to such Equipment, shall be deducted from
the damages for which Lessee is obligated hereunder. In the event of the sale or
re-leasing by Lessor of any such Equipment after default hereunder or in the
event of a Casualty Occurrence under Section 6 hereof, then Lessee will be
liable for, and Lessor may forthwith recover from Lessee as liquidated damages
for breach or termination of this Lease, and not as a penalty, an amount equal
to the sum of (X) the entire amount of rent which would have accrued for the
balance of the term for such Equipment computed from the date of Lessee's
default or, in the case of a Casualty Occurrence, computed as of the rent
payment date immediately preceding the date of the Casualty Occurrence
discounted in each case as provided for hereinafter plus (Y) any final payment
due under the Schedule discounted as provided for hereinafter, less (Z) the
proceeds, if any, of any sale or re-leasing of such Equipment, after first
deducting therefrom all costs and expenses of repossession, storage, repairs,
reconditioning, sale, re-leasing, attorney's fees and collection fees with
respect to such Equipment provided, however, the amount for which Lessee shall
be obligated as liquidated damages shall in no event be an amount less than 10%
of Lessor's Cost. If Lessee fails to deliver any Equipment to Lessor or Lessor
is unable, for any reason, to effect repossession of any Equipment, then with
respect to such Equipment, Lessee will be liable for, and Lessor may forthwith
recover from Lessee as liquidated damages for breach or termination of this
Lease, and not as a penalty, an amount equal to the sum of the amounts specified
in items (X) and (Y) above for such Equipment. Whether or not any Equipment is
returned to, or repossessed by Lessor, as aforesaid, Lessee will also be liable
for, and Lessor may forthwith recover from Lessee, all unpaid rent and other
unpaid sums that accrued prior to the date of Lessee's default. In addition to
the foregoing, Lessor may also recover from Lessee all costs and expenses,
including without limitation fees of collection agencies and

<PAGE>

reasonable attorney's fees, including the allocated costs and fees of
Lessor's in-house legal counsel, incurred by Lessor in exercising any of its
rights or remedies hereunder. Since pursuant to the foregoing Lessor may
receive or recover payment of the amounts specified in clause (1) of the
preceding paragraph or the amounts specified in items (X) and (Y) above
earlier than Lessor would otherwise be entitled to receive or recover same
but for Lessee's default, such amounts will be discounted to their then
present value at the rate of six percent (6%) per annum, and there will be
added to such amounts after such discount, interest at the rate specified in
Section 12 hereof from the date Lessee's default up to the date of the
payment of such amounts to Lessor. Lessee irrevocably consents to the in
personam jurisdiction of the federal and/or state courts located in the State
of New York over controversies arising from or relating to this Lease or any
obligation with respect thereto and waives the right to impose any
counterclaim or offset of any nature in any such litigation. Lessee
irrevocably appoints each and every owner, partner, member and/or officer of
Lessee as its attorney upon whom may be served certified mail any process,
notice or pleading in any action or proceeding against it under this Lease or
related thereto.
10.  ASSIGNMENTS:
     LESSOR MY WITHOUT LESSEE'S CONSENT ASSIGN OR OTHERWISE TRANSFER OR GRANT A
SECURITY INTEREST IN ITS RIGHT AND INTEREST IN ANY ITEM OR SCHEDULE AND THE RENT
DUE OR TO BECOME DUE THERUNDER AND WHEN SO ASSIGNED, TRANSFERRED OR ENCUMBERED,
EACH SCHEDULE WILL BE FREE OR ANY COUNTERCLAIM, SET-OFF, DEFENSE, OR CROSSCLAIM
BY LESSEE AS AGAINST LESSOR OR SUCH ASSIGNEE WHENEVER ARISING, BEFORE OR AFTER
SUCH SALE, ASSIGNMENT, TRANSFER OR SECUTIRY GRANT BUT NO SUCH ACTION WILL
INCREASE LESSEE'S OBLIGATIONS HEREUNDER, EXCEPT THAT UPON NOTICE TO LESSEE
THEREOF, LESSEE AGREES TO DIRECT ALL PAYMENTS HEREUNDER, IF REQUESTED, TO
LESSOR'S ASSIGNEE. Lessor may provide lease information on a confidential basis
to any prospective purchaser, assignee or participant.
11.  PAYMENT OF TAXES:
     Lessee agrees to pay promptly when due, and to indemnify and hold Lessor
harmless from, all license, title and registration fees whatsoever, all levies,
imposts, duties, charges or withholdings whatsoever, and all sales, use,
personal property, franchisee (howsoever calculated), and other taxes whosoever
(together with any penalties, fines, or interest thereon) whether assessed,
levied or imposed by any governmental or taxing authority against or upon Lessor
or otherwise, with respect to any Equipment or the purchase, acquisition,
ownership, delivery, leasing, possession, use, operation, control, return, or
other disposition thereof, or the rents, receipts or earnings arising therefrom,
or with respect to the Lease, excluding, however, (i) any such taxes or charges
to the extent they are included in Lessor's Cost, (ii) any federal taxes levied
on Lessor's net income, or (iii) state or local taxes levied on Lessor's net
income, as net income is determined under and at rates which do not exceed those
originally imposed by the jurisdiction in which the Equipment is located as
specified in the related Schedule. In the event any such fees, levies, imposts,
duties, charges or taxes are paid by Lessor, or if Lessor be required to collect
or pay any thereof, Lessee will reimburse Lessor therefor (plus any penalties,
fines, interest thereon) promptly upon demand. Until Lessor notifies Lessee to
the contrary, Lessee will promptly before any penalty attaches, prepare and file
in Lessor's name or on Lessor's behalf all personal property tax returns
covering the Equipment and Lessee will pay the personal property taxes or
assessed therein directly to the levying authority. If Lessor timely notifies
Lessee that Lessor will prepare and/or file any such

<PAGE>

return, Lessee will, promptly upon being involved by Lessor, reimburse Lessor
for the full amount of such personal property taxes so paid by Lessor. If any
capital adequacy requirements are imposed upon Lessor or its parent which
require the maintenance of additional capital or impose additional expenses
as a result of this Lease, and the effect of such requirements is to reduce
Lessor's expected rate of return hereunder, Lessee shall pay to Lessor such
amount or amounts as may be necessary to compensate Lessor for such
reduction. The indemnification obligation of Lessee under this Section will
continue in full force and effect notwithstanding the expiration or other
cancellation hereof. Lessee will either provide Lessor a copy of all property
and other tax returns field hereunder by Lessee in Lessor's name or on
Lessor's behalf or provided to Lessor an affidavit of a responsible corporate
officer certifying that the property taxes so identified therein have been
reported and are current. The amount which Lessee shall be required to pay to
Lessor with respect to any obligation which is subject to indemnification
under this Section 11 shall be an amount sufficient to restore to the same
position after considering the effect of the receipt of such indemnification
on it United States federal income taxes and state and city income taxes or
franchise taxes based on net income, that it would have been in had such
indemnification not been required hereunder.
12.  LESSOR'S PERFORMANCE OF LESSEE'S OBLIGATIONS:
     In case of failure of Lessee to comply with any provision of this Lease or
any Schedule, Lessor will have the right, but will not be obligated, to effect
such compliance in whole or in part, and all money spent by expenses of Lessor
will be paid by lessee forthwith and will bear interest at the daily equivalent
of eighteen percent (18%) per annum from the date said obligation was due.
Lessor's action in effecting such compliance will not be a waiver of Lessee's
default. All such money spent by and expenses of Lessor and any other obligation
assumed or incurred by Lessor in effecting such compliance will constitute
additional rent payable to Lessor with the next rent payment.
13.  NOTICES:
     All notices required or permitted to be given hereunder will be in writing
and will be deemed given and receive three (3) days after first deposit in the
United States mail if sent by registered or certified mail to the address of
Lessor or Lessee stated herein or in any Schedule or to such other place as
either party may in writing direct pursuant to the Section. Notice by hand
delivery shall be deemed given and receive upon delivery. Notice by overnight
courier shall be deemed given and received on the date scheduled for delivery.
14.  FINANCIAL INFORMATION AND REPORTING:
     (a) Lessee shall annually, within ninety (90) days after the close of
Lessee's first fiscal year, furnish to Lessor an audit report of financial
statements of Lessee (including a balance sheet as of the close of such year and
statements of income, changes in financial condition and shareholder's equity
for such year) prepared in accordance with generally accepted accounting
principles and certified by Lessee's independent public accountants. Lessee
shall also provide quarterly financial statements of Lessee similarly prepared
for each of the three quarters of each fiscal year, which shall be certified
(subject to normal year-end adjustments) by Lessee's chief financial officer and
furnished within forty-five (45) days following the end of the quarter.
     (b) Lessee will furnish Lessor with any and all information regarding
Lessee's business, condition or operations, financial or otherwise, which Lessee
furnishes to any other creditor. This information shall be furnished to Lessor
at the same time it is furnished to such other creditor.

<PAGE>

     (c) Lessee will immediately furnish Lessor with such further information
regarding Lessee's business, condition, property, assets or operations,
financial or otherwise, as Lessor may from time to time reasonably request, all
prepared in form and detail reasonably satisfactory to Lessor.
     (d) Lessee will at all times maintain true and complete records and books
of account including, without limiting the generality of the foregoing,
appropriate reserves for possible losses and liabilities, all in accordance with
generally accepted accounting principles consistently applied.
     (e) Lessee shall permit, and cause any subsidiary to permit,
representatives of Lessor to visit and inspect any of the properties of Lessee
or any Subsidiary, to examine its or their corporate or partnership books and
records, to make extracts or copies of such books and records, and to discuss
its or their affairs, finances and accounts with its or their officers or
partners, as applicable. The foregoing may be done at any time within regular
business hours.
     (f) Lessee will promptly notify Lessor in writing of the commencement of
any litigation to which Lessee or any of its subsidiaries or affiliates may be a
party (except for litigation in which Lessee's (or the affiliate's) contingent
liability is fully covered by insurance) which, if decided adversely to Lessee
would adversely affect or impair the title of Lessor to the Equipment or which,
if decided adversely to Lessee would materially adversely affect the business
operations or financial condition of Lessee. In addition, Lessee will
immediately notify Lessor, in writing, of any judgment against Lessee if such
judgment would have the effect described in the preceding sentence.
15.  ADDITIONAL DOCUMENTS
     Lessee agrees to execute or obtain and deliver to Lessor at Lessor's
request such additional documents as Lessor may reasonably deem necessary to
protect Lessor's interest in the Equipment and this Lease including, without
limitation, financing statements, and Lessee hereby authorizes Lessor to execute
in Lessee's name as Lessee's attorney-in-fact any financing statements and
amendments thereto necessary or appropriate to protect Lessor's interest
hereunder. Lessee will pay, or reimburse Lessor on demand, for any filing fees
or expenses incurred by Lessor in connection with any such additional documents.
Lessee will obtain, at Lessee's sole expense, from each owner, landlord,
mortgage or other person having an encumbrance, lien or other interest on or in
the premises in which the Equipment is or will be located, all necessary
consents to the installation and use of the Equipment therein and the removal
thereof in accordance with the terms of the Lease, together with waivers of
claim with respect to the Equipment, and record the same when and where
necessary. Lessee hereby designates Lessor its attorney-in-fact and authorizes
and empowers Lessor to execute, endorse, and complete in Lessee's name and on
Lessee's behalf all instruments representing the proceeds or any security or
insurance for the Lease or Equipment thereunder, all financing statements and
other documents including Schedules and Riders and to insert thereon all dates,
amounts and serial numbers as necessary or appropriate to provide to Lessor the
benefits anticipated by any Schedule.
16.  MISCELLANEOUS
     The validity, construction and performance of this Lease and each Schedule
will in all respects be governed by the laws of the State of New York without
reference to conflict of law provisions. The Lease will not be binding on Lessor
until executed by an authorized officer of Lessor. LESSOR AND LESSEE WAIVE ALL
RIGHTS TO TRIAL BY JURY IIN ANY LITIGATION ARISING HEREFROM OR RELATED HERETO.
Any provision herein contained which may be illegal, unenforceable, or
inconsistent with applicable law or any governmental rule or regulation will be
deemed modified or altered to conform thereto, or otherwise omitted but shall in
no way impair

<PAGE>

the legality or enforceability of the remaining Lease provisions. Lessee
shall promptly pay (or reimburse, as Lessor may elect) all costs and expenses
including reasonable attorney's fees, including the allocated costs and fees
of Lessor's in-house legal counsel, which Lessor has or may hereafter incur
in connection with the negotiation and preparation of the Lease and any
amendment, modification, consent or waiver hereunder. If more than one party
executes this Lease as Lessee, each party shall be jointly and severally
bound by the terms and provision of this Lease. Any person who signs as an
officer or agent for a corporation, partnership or other entity warrants that
he has the authority from such corporation, partnership or other entity to
enter into this Lease on its behalf. Each Item of Equipment delivered
pursuant to this Lease to a subsidiary of Lessee or to any entity or person
designated by Lessee, whether at the request of Lessee or such subsidiary,
entity or person shall be Equipment for all purposes of this Lease, and
Lessee shall be and remain primarily liable for the obligations under this
lease with respect to such Equipment. Lessor shall not be obligated to
purchase and deliver any Item of Equipment unless Lessor has executed a
Schedule covering the Equipment.
17.  ENTIRE AGREEMENT
     This lease and any instrument referred to herein together with any
Schedule(s), Attachment(s) or Rider(s) signed by the parties or delivered in
connection herewith constitute the entire agreement of the parties with respect
to the subject matter hereof and will collectively constitute the Lease with
respect to an Item of Equipment and supersede all negotiations and prior written
or oral agreement of the parties with respect thereto. No agent or employee of
the Supplier is authorized to bind Lessor to the Lease, to waive or alter any
term or condition herein or add any provision hereto. No modification of the
Lease or waiver of any of its provisions or conditions will be valid unless in
writing and signed by Lessor and Lessee.

IN WITNESS WHEREOF, Lessor and Lessee have executed this Lease as of the date
set forth above.

Chase Equipment Leasing, Inc. (Lessor)      PHONETIME TECHNOLOGIES, INC.
                                            (Lessee)

By:    /DANIEL J. QUINLISK  2ND VP        BY:   /DOUGLAS BARLEY CFO & SECRETARY/
   -------------------------------           -----------------------------------
      (Signature)           (Title)                 (Signature)        (Title)

<PAGE>

                                    AMENDMENT
                                       TO
MASTER LEASE AGREEMENT DATED FEBRUARY 20, 1998 BETWEEN CHASE EQUIPMENT LEASING,
INC. ("LESSOR") AND PHONETIME TECHNOLOGIES, INC. (LESSEE)

The following modifications are hereby incorporated in and made a part of the
above referenced Master Lease Agreement effective as of the date first written
above. Capitalized terms used herein shall have the meaning attributable to them
in the Master Lease Agreement. In the event of any conflict between the terms of
the Master Lease Agreement and this Amendment, this Amendment shall govern.
Lessee and Lessor hereby agree as follows:

1.   Section 9:  DEFAULT: REMEDIES:  Delete default (h) in its entirety.

In the 2nd paragraph at the 6th line down, after the phrase, "or without legal
process," insert "without trespass,"

CHASE EQUIPMENT LEASING, INC.              PHONETIME TECHNOLOGIES, INC.

         (LESSOR)                                    (LESSEE)

BY: /Daniel J. Quinlisk/                           BY: /Douglas Barley/
    ------------------------                           ----------------------

TITLE: 2nd Vice President                          TITLE: CFO & Secretary
       ----------------------                             -------------------

<PAGE>

                                SECOND AMENDMENT
                                       TO
             MASTER LEASE PURCHASE AGREEMENT DATED FEBRUARY 20, 1998
                 BETWEEN CHASE EQUIPMENT LEASING, INC. AS LESSOR
                   AND PHONETIME TECHNOLOGIES, INC. AS LESSEE
                           (HEREINAFTER, THE "LEASE")

This Second Amendment is incorporated by reference into the above referenced
Lease as if set forth at length and Lessee and Lessor confirm all the terms and
provisions thereof except as specifically set forth herein to the contrary.

Effective MAY 14, 1999 the above Lease and all Schedules and ancillary documents
thereunder are hereby amended as follows:

The term "Lessee" now means individually and collectively, PHONETIME
TECHNOLOGIES, INC., PT-COMMUNICATIONS, INC. and STAR TELECOMMUNICATIONS, INC.,
all New York corporations having their mailing address and chief place of
business at 30-50 Whitestone Expressway, Flushing, NY 11354. Each Lessee hereby
assumes, ratifies and confirms all Schedules now in existence or hereafter
entered into.

Except as expressly modified hereby, all terms and provisions of the Lease shall
remain in full force and effect. The parties hereto have caused their duly
authorized officers to execute this Second Amendment effective this 14th day of
May 1999.

CHASE EQUIPMENT LEASING, INC.                   PHONETIME TECHNOLOGIES, INC.
         (LESSOR)                                         (LESSEE)

By: /Daniel J. Quinlisk/                        By: /Mary Casey/
   ------------------------                        -------------------------

Title: Asst. VP                                 Title: CEO
      ---------------------                           ----------------------

                                                PT-1 COMMUNICATIONS, INC.
                                                          (LESSEE)

                                                By: /Mary Casey/
                                                   -------------------------

                                                Title: CEO
                                                      ----------------------

                                                STAR TELECOMMUNICATIONS, INC.
                                                          (LESSEE)

                                                By: /Mary Casey/
                                                   -------------------------

                                                Title: President
                                                      ----------------------

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