Document:

EXHIBIT 4.4

       [RESTATED ACCESS ONE COMMUNICATION CORP. 1997 STOCK OPTION PLAN OR

        RESTATED ACCESS ONE COMMUNICATIONS CORP. 1999 STOCK OPTION PLAN]

                        INCENTIVE STOCK OPTION AGREEMENT

To:                                                  (the "Optionee")
                 -----------------------------------

Exercise Price:  $
                 -----------------------------------

Date of Grant:
                 -----------------------------------

         The Optionee is hereby granted in connection with Optionee's employment
with Talk.com Inc., or any subsidiary or affiliate  thereof  (collectively,  the
"Company" where the context so requires), an option (the "Option"), effective as
of the Date of Grant set forth above (the "Date of Grant"), to purchase ________
shares of common stock of Company,  $.01 par value (the "Common Stock"),  at the
exercise price shown above.  It is the intention of the Company and the Optionee
that the Option  shall be an  "incentive  stock  option" as that term is used in
section 422 of the Internal  Revenue Code (the  "Code").  If the Option  granted
hereunder fails to qualify as an incentive stock option for any reason, then the
Option,  or  portion  thereof  that does not so  qualify,  shall be treated as a
non-qualified stock option.

         The Option is granted pursuant to the terms of the [Restated Access One
Communications   Corp.   1997  Stock   Option  Plan  or   Restated   Access  One
Communications  Corp. 1999 Stock Option Plan] (the "Plan"),  a copy of which has
been furnished to the Optionee and the terms of which are incorporated herein by
reference.  Unless  otherwise  indicated,  whenever  capitalized  terms are used
herein, they shall have the meanings set forth in the Plan.

         The Option is granted in  substitution  of the  incentive  stock option
granted to the Optionee on the Date of Grant, covering ________ shares of common
stock of Access One Communications Corp. ("Access One"), at an exercise price of
$ _____ per share,  pursuant to the Company's  acquisition of Access One and the
Company's becoming the successor sponsor of the Plan.

                  1.       Vesting.  Subject  to  Sections  3 and 8, the  Option
shall vest and become exercisable in full on August 9, 2000; provided,  however,
that the  Optionee  shall be entitled  to sell or  otherwise  transfer  only the
shares of Common Stock  acquired by the Optionee  upon exercise of the Option in
accordance with the following schedule:

                           (i)      ______ shares of Common Stock may be sold or
                  transferred  on or after the first  anniversary of the Date of
                  Grant, and

                           (ii)     an additional _______ shares of Common Stock
                  may be sold or transferred on or after the second  anniversary
                  of the Date of Grant, and

                           (iii)    an additional _______ shares of Common Stock
                  may be sold or transferred  on or after the third  anniversary
                  of the Date of Grant;

                  provided,  further,  however,  that  notwithstanding  anything
contained in this Section 1 to the  contrary,  the Optionee may sell or transfer
any or all of the  shares of Common  Stock  acquired  by the  Optionee  upon the
exercise of the Option on or after August 9, 2001.

<PAGE>

         2.       Incentive Stock Option Limitation.  Pursuant to section 422(d)
of the Code, to the extent the  aggregate  Fair Market Value of shares of Common
Stock with respect to which  incentive  stock  options are  exercisable  for the
first  time by the  Optionee  during  any  calendar  year under all plans of the
Company and its subsidiaries exceeds $100,000,  such options shall be treated as
non-qualified stock options (according to the order in which they were granted).

         3.       Option Term and Expiration.

                  3.1      Option  Term.  The  Option may be  exercised,  to the
extent that it is vested  pursuant to Section 1 hereof,  during the Option Term,
unless earlier  terminated upon Optionee's  termination from employment with the
Company as provided in Section 3.2 below. For purposes hereof, the "Option Term"
shall  commence on the Date of Grant and shall  expire on the tenth  anniversary
thereof. Upon the expiration of the Option Term, to the extent unexercised,  the
Option shall terminate and be of no further force or effect.

                  3.2      Expiration upon Termination of Employment.

                  (a)      Cause.   Subject  to  Section   3.1  above,   if  the
Optionee's  employment  with the Company is terminated by the Company for Cause,
the Option shall automatically  expire at the commencement of business as of the
date of such termination.

                  (b)      Retirement,  Disability or Death. Subject to Sections
3.1 and 8, if the  Optionee's  employment  with the  Company  is  terminated  on
account of the Optionee's Retirement, Disability or death, the Option shall: (i)
to the extent  exercisable at the time of such termination,  remain  exercisable
until the  expiration of their term;  and (ii) to the extent not  exercisable at
the time of such  termination,  expire at the close of  business  on the date of
such termination. Generally, the effect of exercising any Incentive Stock Option
on a day that is more than 3 months after the date of such  termination  (or, in
the case of a termination of employment on account of Disability,  on a day that
is more than one year after the date of such  termination) will be to cause such
Incentive Stock Option to be treated as a Non-Qualified Stock Option.

                  (c)      Other than Cause,  Retirement,  Disability  or Death.
Subject to Sections 3.1 and 8, if the Optionee's  employment with the Company is
terminated  for any reason  other than for Cause by the Company or on account of
the Optionee's  Retirement,  Disability or death,  the Option shall:  (i) to the
extent exercisable at the time of such termination, remain exercisable following
such  termination  for a  period  of 3  months;  and  (ii)  to  the  extent  not
exercisable at the time of such termination,  expire at the close of business on
the date of such termination.

         4.       Exercise. The Optionee may exercise the Option, in whole or in
part,  in whole shares only,  by giving  written  notice to the Secretary of the
Company  accompanied  by payment of the  exercise  price for the total number of
shares the Optionee specifies that the Optionee wishes to purchase.  The payment
may be in any combination of the following  forms: (a) cash, by certified check,
bank  cashier's  check or wire  transfer;  (b)  subject to the  approval  of the
Committee,  in shares of Common  Stock owned by the  Optionee and valued at such
shares'  Fair  Market  Value on the date of such  exercise;  (c)  subject to the
approval of the Committee,  pursuant to a "cashless exercise" made in accordance
with the Plan;  or (d) by such other  methods as the  Committee may approve from
time to time.  Any  payment in shares of Common  Stock  shall be effected by the
delivery of such shares to the Secretary of the Company,  duly endorsed in blank
or accompanied  by stock powers duly executed in blank,  together with any other
documents  and evidences as the Secretary of the Company shall require from time
to time.

         5.       Adjustments.  Adjustments to the Option upon changes in Common
Stock shall be made in accordance with Section 11 of the Plan.

         6.       Option Not  Transferable.  This Option may not be transferred,
pledged,  assigned,  hypothecated  or  otherwise  disposed  of in any way by the
Optionee,  except by will or laws of descent  and  distribution,  and during the
Optionee's life, may only be exercised by the Optionee.  Any attempt to effect a
transfer of this Option that is not otherwise  permitted by the  Committee,  the
Plan, or this agreement shall be null and void.

         7.       Registration.   The   Company   agrees  to  use   commercially
reasonable  efforts to file a Form S-8 and register the shares issuable upon the
exercise of the Options contemplated herein under the Securities Act of 1933 and
any applicable  state  securities  registration  requirements  and to cause such
shares to be  listed on NASDAQ  (if such  shares  are not  already  listed or so
registered).

<PAGE>

         8.       Securities  Laws   Restrictions.   The  sole  purpose  of  the
agreements,  warranties,  representations and legend set forth in this Section 8
is to prevent  violations of the  Securities  Act of 1933,  as amended,  and any
applicable  state securities laws. The Company reserves the right not to deliver
to the  Optionee  the shares  purchased  by virtue of the exercise of the Option
during any period of time in which the Company  deems,  in its sole  discretion,
that such would violate a federal,  state,  local or securities  exchange  rule,
regulation or law.

                  8.1      Condition Upon Exercise.  Notwithstanding anything to
the contrary contained herein, the Option is not exercisable without the consent
of the Company  until all the  following  events occur and during the  following
periods of time:

                           (a)      Until the Option and the optioned shares are
approved and/or registered with such federal,  state and local regulatory bodies
or agencies  and  securities  exchanges  as the Company  may deem  necessary  or
desirable; or

                           (b)      During  any  period  of  time in  which  the
Company  deems  that the  exercisability  of the  Option,  the offer to sell the
shares optioned hereunder,  or the sale thereof,  may violate a federal,  state,
local or securities  exchange rule,  regulation or law, or may cause the Company
to be legally obligated to issue or sell more shares than the Company is legally
entitled to issue or sell; or

                           (c)      Until the Optionee has paid or made suitable
arrangements to pay: (i) all federal,  state and local income tax required to be
withheld by the Company in  connection  with the Option  exercise;  and (ii) the
Optionee's portion of other federal, state and local payroll and other taxes due
in connection with the Option exercise.

                  8.2      Impact  of   Non-registration.   The   following  two
paragraphs  shall be applicable  if, on the date of exercise of the Option,  the
Common Stock to be purchased  pursuant to such exercise has not been  registered
under  the  Securities  Act of 1933,  as  amended,  and under  applicable  state
securities  laws,  and  shall  continue  to be  applicable  for so  long as such
registration has not occurred:

                           (a)      The  Optionee  hereby  agrees,  warrants and
represents  that the  Optionee  will  acquire  the  Common  Stock  to be  issued
hereunder for the Optionee's  own account for investment  purposes only, and not
with a view to, or in connection  with, any resale or other  distribution of any
of such shares, except as hereafter permitted.  The Optionee further agrees that
the  Optionee  will not at any time make any offer,  sale,  transfer,  pledge or
other  disposition  of such  Common  Stock to be  issued  hereunder  without  an
effective  registration  statement under the Securities Act of 1933, as amended,
and  under  any  applicable  state  securities  laws or an  opinion  of  counsel
acceptable  to the Company to the effect that the proposed  transaction  will be
exempt from such  registration.  The Optionee  shall  execute such  instruments,
representations,  acknowledgments and agreements as the Company may, in its sole
discretion,  deem advisable to avoid any violation of federal,  state,  local or
securities exchange rule, regulation or law.

                           (b)      The  certificates  for  Common  Stock  to be
issued to the Optionee hereunder shall bear the following legend:

                                    "The shares  represented by this certificate
                                    have   not   been   registered   under   the
                                    Securities Act of 1933, as amended, or under
                                    applicable state securities laws. The shares
                                    have been  acquired for  investment  and may
                                    not be offered, sold,  transferred,  pledged
                                    or   otherwise   disposed   of   without  an
                                    effective  registration  statement under the
                                    Securities  Act of  1933,  as  amended,  and
                                    under any applicable  state  securities laws
                                    or an opinion of counsel  acceptable  to the
                                    Company that the proposed  transaction  will
                                    be exempt from such registration."

The foregoing  legend shall be removed upon  registration of the legended shares
under the  Securities Act of 1933, as amended,  and under any  applicable  state
laws or upon  receipt of any opinion of counsel  acceptable  to the Company that
said registration is no longer required.

<PAGE>

         9.       Withholding  of Taxes.  In  accordance  with Section 15 of the
Plan,  the Company  may, in its  discretion,  withhold  from any amounts due and
payable by the Company to the Optionee (or secure payment,  in cash or in shares
of Common  Stock,  from the Optionee in lieu of  withholding)  the amount of any
federal or state  withholding or other taxes,  if any, due from the Company with
respect to the exercise of the Option,  and the Company may defer such  issuance
until such  withholding or payment is made unless  otherwise  indemnified to its
satisfaction with respect thereto.

         10.      Disqualifying  Disposition.  If shares acquired by exercise of
the Option are disposed of within two years  following  the Date of Grant or one
year  following the transfer of such shares to the Optionee upon  exercise,  the
Optionee  shall,  promptly  following  such  disposition,  notify the Company in
writing  of the date and  terms  of such  disposition  and  provide  such  other
information regarding the disposition as the Committee may reasonably require.

         11.      No Rights as Shareholder or Continued Employment.

                  11.1     No Right as Shareholder.  The Optionee shall not have
any  privileges  of a  shareholder  of the Company with respect to any shares of
Common Stock  subject to (but not acquired  upon valid  exercise of) the Option,
nor shall the Company  have any  obligation  to pay any  dividends  or otherwise
afford any rights to which shares of Common  Stock are entitled  with respect to
such  shares  of  Common  Stock  covered  by the  Option,  until the date of the
issuance to the Optionee of a stock certificate evidencing such shares.

                  11.2     No  Right to  Continued  Employment.  Nothing  in the
Option shall confer upon the Optionee any right to continue in the employ of the
Company or to  interfere  in any way with the right of the Company to  terminate
the Optionee's employment at any time.

         12.      Miscellaneous Provisions.

                  12.1     Notices. All notices, requests and demands to or upon
a party  hereto  shall be in writing and shall be deemed to have been duly given
when delivered by hand or three days after being deposited in the mail,  postage
prepaid or, in the case of facsimile notice, when received, addressed as follows
or to such other  address  as either  party may have  furnished  to the other in
writing in accordance  herewith,  except that notices of change of address shall
be effective only upon receipt.

                           (a)      If to the Company, to the following address:

                                    Talk.com Inc.
                                    6805 Route 202
                                    New Hope, PA  18938
                                    Attn: Secretary
                                    Facsimile: (215) 862-1960

                           (b)      If  to  the  Optionee,  to  the  address  or
                                    facsimile  number as shown on the  signature
                                    page hereto.

                  12.2     Amendment.   This  Option   agreement  and  the  Plan
constitutes the entire  understanding  between the Company and the Optionee with
respect to the subject matter hereof.  This Option agreement may be amended only
by a writing executed by the parties hereto which specifically states that it is
amending the Option.

                  12.3     Governing Law. Jurisdiction over disputes with regard
to the  validity,  construction  and effect of this  Option  agreement,  and all
actions taken or relating to the Option,  shall be  exclusively in the courts of
the  State  of  Delaware,  and the  Option  agreement  shall  be  construed  and
interpreted  in  accordance  with  and  governed  by the  laws of the  State  of
Delaware, other than the conflict of laws provisions of such laws.

                  12.4     Titles.  Titles are provided  herein for  convenience
only and are not to serve as a basis for  interpretation or construction of this
Option agreement.

                  12.5     Construction.  Notwithstanding  any provisions herein
to the  contrary,  the Board and the Committee  shall have plenary  authority to
interpret  the  Option  agreement,   prescribe,  amend  and  rescind  rules  and

<PAGE>

regulations relating to it, and make all other  determinations  deemed necessary
or advisable  for the  administration  and/or  exercise of the Option.  Any such
determination  by the Board or Committee  shall be final and  conclusive  on all
persons.

         Please  sign this copy of the  Option  agreement  and  return it to the
Company's Secretary, thereby indicating your understanding of and agreement with
its terms and conditions.

                                       TALK.COM INC.

                                       By:
                                          -------------------------------------
                                           Aloysius T. Lawn IV
                                           Executive Vice President-General
                                           Counsel and Secretary

I hereby  acknowledge  receipt of a copy of the foregoing  Option agreement and,
having read it, hereby signify my  understanding  of, and my agreement with, its
terms and conditions.

----------------------------------            ----------------------------------
Optionee                                      Date

----------------------------------
Address

----------------------------------
FacsimileEXHIBIT 4.5

                           NON-QUALIFIED STOCK OPTION

To:
         -------------------------------------
              NAME

         -------------------------------------
              ADDRESS

Exercise Price:  $
                 ---------------------

Date of Grant:
                 ---------------------

         You (the  "Optionee")  are  hereby  granted  in  connection  with  your
employment  with Talk.com Inc. (the  "Company"),  or any subsidiary or affiliate
thereof,  an  option  ("Option"),  effective  as of the date of grant  ("Date of
Grant"), to purchase ________ shares of common stock of Company,  $.01 par value
("Common Stock"), at the exercise price shown above.

                  1.       The vesting dates for this option are as follows:  in
installments,  as follows: (i) ______ shares of common stock may be purchased on
the first  anniversary of the Date of Grant and, (ii) ________  shares of common
stock may be purchased on the second anniversary of the Date of Grant, and (iii)
_______ shares of common stock may be purchased on the third  anniversary of the
Date of Grant;  provided,  however,  the Option  shall only vest as set forth in
(i),  (ii), and (iii) if the Optionee has been employed by the Company or any of
its  affiliates  between  the Date of  Grant  and the  vesting  date and on such
vesting date.  In addition,  the Option will vest in full (less any component or
portion  which  would  otherwise  be  vested  or  exercisable  and  any  portion
previously  vested and  exercised)  upon a "Change of Control"  (as that term is
defined herein). Notwithstanding  the  foregoing  the  Board of Directors of the
Company (the "Board") or its designees may accelerate or waive such vesting date
with respect to any or all of the shares of Common Stock covered by the Option.

                  A.       "Change of Control"  shall be deemed to have occurred
upon the happening of any of the following events:

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

                  (ii)     during any period of two  years,  individuals  who at
                           the beginning of such period  constitute the Board of
                           Company and any new  director  (other than a director
                           designated  by a  person  who  has  entered  into  an
                           agreement  with the  Company to effect a  transaction
                           described  in  clauses  (i),  (iii),  or (iv) of this
                           paragraph)  whose election by the Board or nomination
                           for election by  stockholders  was approved by a vote
                           of at least two-thirds of the directors then still in
                           office who either were  directors at the beginning of
                           the two-year  period or whose  election or nomination
                           for election was previously so approved but

<PAGE>
                           excluding  for this  purpose  any  such new  director
                           whose initial assumption of office occurs as a result
                           of either an actual or  threatened  election  contest
                           (as such terms are used in Rule 14a-11 of  Regulation
                           14A  under  the  Exchange  Act) or  other  actual  or
                           threatened  solicitation of proxies or consents by or
                           on behalf of an individual, corporation, partnership,
                           group, associate or other entity or Person other than
                           the  Board,  cease for any  reason to  constitute  at
                           least a majority of the Board of the Company;

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

                  (iv)     the  stockholders  of the  Company  approve a plan or
                           agreement  for  the  sale  or  disposition  of all or
                           substantially  all of the consolidated  assets of the
                           Company in which case the Board shall  determine  the
                           effective  date of the  Change of  Control  resulting
                           therefrom; and

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

         2.       The Optionee may exercise the Option by giving  written notice
to the  Secretary  of the  Company on forms  supplied by the Company at its then
principal executive office, accompanied by payment of the exercise price for the
total  number of shares  the  Optionee  specifies  that the  Optionee  wishes to
purchase.  The payment may be in any of the following forms: (a) cash, which may
be evidenced by a check and includes cash  received  from a so-called  "cashless
exercise"; (b) (unless prohibited by the Board) certificates representing shares
of Common  Stock of the  Company,  which will be valued by the  Secretary of the
Company at the fair market value per share of the Company's  Common Stock on the
date  of  delivery  of  such  certificates  of the  Company,  accompanied  by an
assignment of the stock to the Company;  or (c) (unless prohibited by the Board)
any  combination  of cash and Common Stock of the Company  valued as provided in
clause  (b).  Any  assignment  of  stock  shall  be  in  a  form  and  substance
satisfactory  to  the  Secretary  of  the  Company,   including   guarantees  of
signature(s)  and  payment of all  transfer  taxes if the  Secretary  deems such
guarantees necessary or desirable.

         3.       The Company agrees to use commercially  reasonable  efforts to
file a Form S-8 and  register  the  shares  issuable  upon the  exercise  of the
Options  contemplated herein under the Securities Act of 1933 and any applicable
state securities registration requirements and to cause such shares to be listed
on NASDAQ (if such shares are not already listed or so registered).

         4.       Your Option will,  to the extent not  previously  exercised by
you,  as to any shares  purchasable  hereunder  (i.e.  vested)  expire  upon the
earlier  of: (a) the tenth  anniversary  of the Date of Grant or (b) ninety (90)
days after your employment with the Company is terminated for any reason.

         5.       In the event of any  change in the  outstanding  shares of the
Common  Stock  of the  Company  by  reason  of a stock  dividend,  stock  split,
combination  of shares,  recapitalization,  merger,  consolidation,  transfer of
assets,  reorganization,  conversion  or what the Board deems in its  reasonable
discretion to be similar circumstances, the number and kind of shares subject to
this  Option  and the  exercise  price of such  shares  shall  be  appropriately
adjusted in a manner to be determined in the reasonable discretion of the Board.

         6.       Except as  otherwise  provided  by the Board or the  Committee
(as defined  below),  this Option is not  transferable  except as  designated by
Optionee or by will or the laws of descent and distribution,  and is exercisable
during  the  Optionee's  lifetime  only by the  Optionee,  including,  for  this
purpose,  the Optionee's legal guardian or custodian in the event of disability.
Until the exercise  price has been paid in full pursuant to due exercise of this
Option and the purchased shares are delivered to the Optionee, the Optionee does
not have any rights as a stockholder  of the Company.  The Company  reserves the
right not to  deliver to the  Optionee  the  shares  purchased  by virtue of the
exercise of this Option during any period of time in which the Company

<PAGE>

deems, in its sole discretion,  that such would violate a federal,  state, local
or securities exchange rule, regulation or law.

         7.       Notwithstanding  anything to the  contrary  contained  herein,
this Option is not exercisable  without the consent of the Company until all the
following events occur and during the following periods of time:

                  (a)      Until  this  Option  and  the  optioned   shares  are
                           approved and/or  registered with such federal,  state
                           and  local   regulatory   bodies  or   agencies   and
                           securities   exchanges   as  the   Company  may  deem
                           necessary or desirable; or

                  (b)      During any period of time in which the Company  deems
                           that the  exercisability of this Option, the offer to
                           sell  the  shares  optioned  hereunder,  or the  sale
                           thereof,  may  violate  a  federal,  state,  local or
                           securities  exchange rule,  regulation or law, or may
                           cause the Company to be legally obligated to issue or
                           sell more shares than the Company is legally entitled
                           to issue or sell.

                  (c)      Until  the  Optionee   has  paid  or  made   suitable
                           arrangements to pay (i) all federal,  state and local
                           income tax withholding required to be withheld by the
                           Company in  connection  with the Option  exercise and
                           (ii) the Optionee's  portion of other federal,  state
                           and local  payroll and other taxes due in  connection
                           with the Option exercise.

         8.       The following two  paragraphs  shall be applicable  if, on the
date of exercise of this Option,  the Common  Stock to be purchased  pursuant to
such  exercise has not been  registered  under the  Securities  Act of 1933,  as
amended,  and under  applicable  state securities laws, and shall continue to be
applicable for so long as such registration has not occurred:

                  (a)      The Optionee  hereby agrees,  warrants and represents
                           that he will  acquire  the Common  Stock to be issued
                           hereunder for his own account for investment purposes
                           only, and not with a view to, or in connection  with,
                           any  resale  or  other  distribution  of any of  such
                           shares,  except as hereafter permitted.  The Optionee
                           further  agrees that he will not at any time make any
                           offer, sale, transfer, pledge or other disposition of
                           such Common Stock to be issued  hereunder  without an
                           effective registration statement under the Securities
                           Act of 1933,  as  amended,  and under any  applicable
                           state  securities  laws  or  an  opinion  of  counsel
                           acceptable  to the  Company  to the  effect  that the
                           proposed   transaction   will  be  exempt  from  such
                           registration.   The  Optionee   shall   execute  such
                           instruments,  representations,   acknowledgments  and
                           agreements   as  the   Company   may,   in  its  sole
                           discretion,  deem advisable to avoid any violation of
                           federal,  state,  local or securities  exchange rule,
                           regulation or law.

                  (b)      The certificates for Common Stock to be issued to the
                           Optionee hereunder shall bear the following legend:

                                    "The shares  represented by this certificate
                                    have   not   been   registered   under   the
                                    Securities Act of 1933, as amended, or under
                                    applicable state securities laws. The shares
                                    have been  acquired for  investment  and may
                                    not be offered, sold,  transferred,  pledged
                                    or   otherwise   disposed   of   without  an
                                    effective  registration  statement under the
                                    Securities  Act of  1933,  as  amended,  and
                                    under any applicable  state  securities laws
                                    or an opinion of counsel  acceptable  to the
                                    Company that the proposed  transaction  will
                                    be exempt from such registration."

                           The   foregoing   legend   shall  be   removed   upon
                           registration   of  the  legended   shares  under  the
                           Securities  Act of 1933,  as  amended,  and under any
                           applicable  state laws or upon receipt of any opinion
                           of  counsel  acceptable  to  the  Company  that  said
                           registration is no longer required.

<PAGE>

         9.       The   sole    purpose   of   the    agreements,    warranties,
representations and legend set forth in the two immediately preceding paragraphs
is to prevent  violations of the  Securities  Act of 1933,  as amended,  and any
applicable state securities laws.

         10.      It is the  intention of the Company and the Optionee that this
Option shall not be an "Incentive  Stock Option" as that term is used in Section
422 of the Code and the  regulations  thereunder.  This  Option  is not  granted
pursuant to any stock option plan.  Notwithstanding the foregoing, the Board and
the Compensation Committee or similar committee thereof (the  "Committee") shall
have plenary  authority to interpret  the Option,  prescribe,  amend and rescind
rules and regulations relating to it, and make all other  determinations  deemed
necessary or advisable for the administration and/or exercise of the Option.

         11.      This Option constitutes the entire  understanding  between the
Company  and the  Optionee  with  respect to the  subject  matter  hereof and no
amendment,  modification or waiver of this Option, in whole or in part, shall be
binding upon the Company  unless in writing and signed by an authorized  officer
of the Company.  This Option and the performances of the parties hereunder shall
be  construed  in  accordance  with and  governed  by the  laws of the  State of
Delaware.

         Please  sign the copy of this  Option  and  return it to the  Company's
Secretary, thereby indicating your understanding of and agreement with its terms
and conditions.

                                         TALK.COM INC.

                                         By:
                                             ----------------------------------
                                              Aloysius T. Lawn IV
                                              Executive Vice President-General
                                              Counsel and Secretary

I hereby acknowledge receipt of a copy of the foregoing stock Option and, having
read it hereby signify my understanding of, and my agreement with, its terms and
conditions.

-----------------------------------          -----------------------------------
Optionee                                     Date

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