Document:

EXHIBIT 10.37

UUNET Customer Information Form                                          Page 1
An MCI WorldCom Company

The  following  information  is needed by UUNET to set up your hosting  account.
Please FAX this completed form along with your hosting Service Agreement to your
UUNET Account Representative.

Billing Contact Information
-------------------------------------

Choose one of the following three options:

X Bill to an existing  UUNFT Account.  If checked please provide  Account Number
X________________  _ Bill to  contact  listed on Service  Agreement  _ Bill to a
different  contact than that Iistcd on Scniicc  Agreement:  _Bill to a different
contact than listed on Service Agreement:

Billing Contact:                       Lillian Vader
Street Address/City/State/zip:         5050 N.  19th Ave. #416
                                       Phoenix AZ   85015
            Phone# 602-335-1231        CellPhone# 303-596-5423
            Fax# 602-335-1577          Email Address: lvader@ipvoice.net

Primary Technical Contact Information

Please list the person whom our  installation  engineer and install  coordinator
should  contact  regarding  installation  and  configuration  issues.   Standard
installation  periods begin when the UUNET Web Hosting  Install  Coordinator has
all  necessary  configuration  information  and  contractual  paperwork has been
processed by UUNET Accounts Processing.

A  technical  contact  e-mail  address  is  required  so that we can  email  the
technical contact in case of service maintenance announcements.  It is important
that this  information is up-to-date,  and that these addresses are valid at all
times.

CompanyName:                        IPVOICE.COM, INC.
Technical Contact:                  BUD BOWMAN / ANTHONY WELCH
Street Address/City/State/Zip:      5050 No.  19th Ave #416
                                    Phoenix AZ 85015
                    Phone#  602-335-1231      CellPhone#
                    Fax#    602-335-1577
Primary Technical Contact Email address (required): bbowman@ipvoice.net
                                                    awelch@ipvioce.net
Primary Sales Contact Information
We will  contact  this  person if we are unable to reach the  primary  technical
contact.

Primary Contact:                    Barbara Will
Street Address/City/State/Zip:      5050 No.  19th Ave #416
                                    Phoenix AZ 85015
                    Phone#  602-335-1231   CellPhone#
                    Fax#    602-335-1577   E-mail Address: barb@ipvoice.net

                UUNET Technologies, Inc. - Hosting and E-Commerce
                3060 Williams Drive Fairfax. Virginia 22031-4648
                              VOICE: (703) 758 7700

<PAGE>

UUNET                         UUNET Technologies, Inc.   +1 800 258-4039 (voice)
An MCI WorldCom Company       3060 Williams Drive        +1 703 206-5629 (voice)
                              Fairfax, VA   22031        +1 703 645-4588 (fax)
                              http://www.uu.net              web-sales@uu.net
                              -----------------              ----------------

                    UUNET is a registered trademark,  the UUNET logo design is a
                    trademark  and The  Internet  at Work is a  service  mark of
                    UUNET Technologies, Inc.

_    Install  Expedite Fee:  $750(for install requests with less than 3 business
     days notice from date of request)(1)

Service Type (choose one)

_    Basic

     The $500  Monthly  Fee  applies on a prorated  basis for the first  partial
month of service.  During any month or partial  month in which the total monthly
data  transfer  is in excess of 1,000 MB, the  applicable  Monthly  Fee for each
additional 1,000MB (or fraction thereof) of data transfer is as follows:

                             Monthly Fee per
    MB per Month             Additional 1,000 MB
    --------------           --------------------
    1,001 - 10,000           $  100
    10,001 +                 $   80

500 MB of storage included. No additional storage is available with this service
(2)
<TABLE>
<S>                                                              <C>                 <C>
BASIC SERVICE OPTIONS                                            MONTHLY FEE         START-UP CHARGE

Secure (SSL) Server Option(3) each URL-Number of Options ___     $     0             $   500
CyberCash(TM)Capability                                          $     0             $   100
Netshow(TM)Capability                                            $    50             $   125
Anonymous FTP capability (4)                                     $    50             $     0
Enhance Reporting                                                $   100             $     0
POP Mailboxes (each) - Number of Mailboxes___          (each)    $    10             $     0

PREMIUM                                                          MONTHLY FEE         START-UP CHARGE
                                                                 $   750             $   750
</TABLE>

The $750 Monthly Fee applies on a prorated  basis for the first partial month of
service.  During  any month or  partial  month in which the total  monthly  data
transfer  is in  excess  of  2,000  MB,  the  applicable  Monthly  Fee for  each
additional 1,000 MB (or fraction thereof) of data transfer is as follows:

                  MB per Month             Monthly Fee per
                                           Additional 1,000 MB
                  ----------------         ---------------------
                  2,001 - 10,000           $ 100
                  10,001 - 50,000          $  80
                  50,001 +                 $  70

     1,200 MB of storage included.  No additional storage is available with this
     service (2)

<TABLE>
<S>                                                              <C>                 <C>
PREMIUM SERVICE OPTIONS                                          MONTHLY FEE         START-UP CHARGE

Secure (SSL) Server Option(3) each URL-Number of Options ___     $    0              $   500
CyberCash(TM)Capability                                          $    0              $   100
Netshow(TM)Capability                                            $   50              $   125
Anonymous FTP capability (4)                                     $   50              $     0
Enhance Reporting                                                $  100              $     0
POP Mailboxes (each) - Number of Mailboxes___           (each)   $   10              $     0
</TABLE>

<PAGE>

UUNET Shared Windows NT-Based Web Hosting Includes:

-Compaq  Server with minimum of two 200Mhz  -Data  backups - DNS service for one
domain name(6) Pentium Pro processors,  256 MB RAM -RAID disk storage  -Database
hosting (SQL Server or Access(6)  -Daily/Weekly/Monthly  server traffic  reports
-custom CGI capabilities -24x7 Network Operations Center

TERM COMMITMENT: 1-year term(5% discount) 2-year Term(10% discount)

PAYMENT: If purchase order is required, return the PO with this form and provide
         PO#

BILLING PREFERENCE:  Bill my exisitng UUNET account number__________ Bill to new
                     account number____

                   Please sign this Agreement on the reverse.

------------------------------
(1)  Expedited  install  cannot be  guaranteed.  If UUNET  fails to provide  the
Customer  password and login  information  within 3 business  days of Customer's
request,  Customer's sole and exclusive  remedy shallbe to receive a full refund
of the install Expedite Fee.

(2) Storage refers to disk space allocated on server for Customer's  content. It
does not include storage space used for system software or logging.

(3) A Digital ID isrequired for Secure Server hosting.  Start-up Charge includes
inital  registration  of the Digital ID with  Versign(TM)  for the first year of
use.  Yearly  renewals  thereafter  will be billed  at  Versign(TM)  list  price
(currently  $250 per year).  A separate  SecureServer  option is needed for each
URL, even if multiple URLs point to the same IP address.

(4) Each  Anonymous  FTP and Netshow  instance  will  require an  additional  IP
address.

(5)  Domain  name  registration  requires  a  separate  fee that  will be billed
directly to customer by Network Solutions. All domain name applications that use
UUNET  nameservers  must be authorized by UUNET or the application may be denied
or delayed.  UUNET will not,  under any  circumstances,  send payment to Network
Solutions on behalf of Customer.

(6) Only available with Premium Service Option.

(7) Discount  applicable  only to Monthly  Fees.  At the  conclusion of the Term
Commitment,  this Agreement shall continue in effect on a  month-to-month  basis
without term discount for the service.

                              THE INTERNET AT WORK

<PAGE>

                         1 GENERAL TERMS AND CONDITIONS

1. UUNET  Technologies  Inc.  (UUNET)  exercises no control over, and accepts no
responsibility  for, the content of the information passing through UUNET's host
computers,  network hubs and points of presence (the UUNET  Network).  EXCEPT AS
EXPRESSLY  SET FORTH IN SECTION 8 BELOW,  UUNET (a) MAKES NO  WARRANTIES  OF ANY
KIND. WHETHER EXPRESS OR IMPLIED, FOR THE SERVICES AND EQUIPMENT IT IS PROVIDING
AND (b) DISCLAIMS ANY WARRANTY OF TITLE,  MERCHANTABILITY  NON-  INFRINGEMENT OR
FITNESS FOR A PARTICULAR PURPOSE.  Use of any information obtained via the UUNET
Network is at Customer's own risk. UUNET specifically  denies any responsibility
for the  accuracy or quality of  information  obtained  through its server UUNET
shall  not be  liable  For any  delay or  failure  in  performance  due to Force
Majeure,  which  shall  include  without  limitation  acts of  God,  earthquake,
disputes,  changes in law, regulation, or 4 government policy, riots, war, fire,
epidemics,  acts or  omissions  of vendors  or  suppliers,  equipment  failures,
transportation  difficulties,  or other  occurrences  which are  beyond  UUNET's
reasonable control.

2.  All  use of  the  UUNET  Network  and  the  service  must  comply  with  the
then-current version of the UUNET Acceptable Use Policy ("Policy') which is made
a  part  of  this   Agreement   and  is   available   at  the   following   URL:
www.uu.net/useplicy  . UUNET reserves the right to amend the Policy from time to
time, effective upon posting of the revised Policy at the URL or other notice to
Customer.  UUNET  reserves  the right to suspend the service or  terminate  this
Agreement  effective upon notice for a violation of the Policy.  Customer agrees
to indemnify and hold harmless UUNET from any losses, damages, costs or expenses
resulting  from third  party  claim or  allegation  ("Claim")  arising out of or
relating  to use of the  service,  including  any Claim  which,  if true,  would
constitute a vioIation of the Policy.

3.  UUNET  assumes  no  responsibility  for any  encrypted  data that is sent to
 .storage on, or retrieved off of a UUNET server.  The technology used to encrypt
data being  transmitted  to or from UUNET's  servers is licensed by UUNET from a
third party and UUNET makes no claims or  warranties  regarding  the  viability,
integrety  or  robustness  of the  encryption  on  used.  Further  UUNET  is not
responsible for the success or failure of the Secure Server to properly  encrypt
data.  By using Secure  Server  Customer  assumes the risk (Fiat the  encryption
algorithm may be broken so that the data being transmitted is visible to others.
UUNET assumes no  responsibility  for any commercial  transactions  attempted or
completed  involving  any UUNET  service or the third party  software  and other
products  services  designed  to  enable  such  transactions  used by  Customer.
Customer's rights and obligations with respect thereto are subject solely to any
agreement between Customer and such third party.

4. NEITHER PARTY SHALL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE
OR  CONSEQUENTIAL  DAMAGES THAT RESULT FROM CUSTOMERS OR CUSTOMERS USERS' USE OF
THE UUNET  NETWORK  AND THE  SERVICE  INCLUDING,  WITHOUT  LIMITATION.  ANY SUCH
DAMAGES FOR LOSS OF DATA RESULTING PROM DELAYS,  NON-DELIVERIES MISDELIVERIE5 OR
SERVICE INTERRUPTIONS.  Notwithstanding  anything to the contrary stated in this
Agreement,  Customer's  sole remedies for any claims relating to this service or
the UUNET Network are set forth in Section 8 below.

5. Networks  assigned from a UUNET  net-block  are  non-portable.  Network space
allocated by UUNET must be retumed  toUUNET in the event  Customer  discontinues
service.

6.  Payment  is due 30 days after date of  invoice.  Accounts  are in default if
payment is not  received  within 30 days after  date of  invoice.  If payment is
returned to UUNET  unpaid  Customer is  immediately  in default and subject to a
returned check charge of $25 from UUNET.  Accounts  unpaid 60 days after date of
invoice may have service  interrupted or terminated.  Such interruption does not
relieve  Customer  of the  obligation  to pay the  Monthly  Fee.  Only a written
request to terminate  Customer's  service relieves Customer of the obligation to
pay the  Monthly Fee  Accounts in default are subject to an interest  charge art
the  outstanding  balance  of the lesser of 1.5% per monlh or the  maximum  rate
permitted  by  law.  Customer  agrees  to pay  UUNET  its  reasonable  expenses,
including  attorney  collection  agency fees,  incurred in enforcing  its rights
under these Terms and Conditions. Prices are exclusive of any taxes which may be
levied or assessed upon the Equipment or services provided  hereunder.  Any such
taxes shall be paid by Customer. If Customer is exempt from otherwise applicable
tax Customer must submit its tax identification number and exemption certificate
atthe same time it submits this Agreement.

7. UUNET will invoice the Start-up  Charge upon  acceptance  of this  Agreement.
Billing of the  Monthly  Fee will  commence  when UUNET is  prepared  to provide
Customer  password and login  information,  enabling  installation of Customer's
data files on the UUNET  server.  The services  will be invoiced  monthly in and
UUNET  reserves  the right to change  the rates for this  service  by  notifying
Customer 30 days in advance of the effective date of the chance.  Service may be

<PAGE>

canceled  only  upon 30 days'  advance  written  notice.  In the  event of early
cancellation  of a Term  Commitment,  Customer  will be  required  to pay 75% of
UUNET's Monthly Pee for each month remaining in the Term Commitment.

8. If Customer  notifies  UUNET  Customer  Support  immediately  upon failure to
access  Customer's  Server and UUNET  determines  in its  reasonable  commercial
judgment that the Server is unavailable  due to a Server outage caused solely by
the items of the service managed  exclusively by UUNET, the following will apply
if UUNET so  determines  that the  Server was  unavailable  for one or more (but
fewer then four)  consecutive  hours during such  calendar  month,  UUNET.  upon
Customer's  request,  will credit Customers account for such month the pro-rated
charges for one day's  service.  Or if UUNET so  determines  that the Server was
unavailable  for four (4) or more  consecutive  hours during any calendar month,
UUNET, upon Customer's  request,  will credit Customer's  account for such month
for the pro-rated charges for one week's service. A Server shall be deemed to be
unavailable  if the server is not  responding to HTTP  requests  issued by UUNET
monitoring  software.  Scheduled  maintenance  shall  not be deemed to be Server
unavailability.  This  Section  sets forth  Customer's  exclusive  remedies  for
unavailability  of  Customer's  Server.  The  remedies set forth in this Section
shall not apply if  unavailability  of  Customer's  Server is due, to Customer's
informal  content or  application  programming,  acts of Customer or its agents,
network  unavailability outside of the UUNET Network or events of force majeure.
Credits will not apply to traffic  charges or to charges for services other than
the Monthly  Fee.  Customers  with  multiple  Servers  will not receive  credits
pursuant  to this  Section  for  Servers  which are  unaffected  by the  outage.
Customer's  account shall not be credited  more than once per month  pursuant to
this Section.

9. MCI WORLDCOM,  Inc. or its affiliates or  subcontractors  may perform some or
all of UUNET duties and/or obligations hereunder.

10.  Neither  party may use the other party's  name,  trademarks,  tradenames or
other proprietary  identifying symbols without the prior written approval of the
other  party.  Neither  party  may  assign  or  transfer  any of its  rights  or
obligations under this Agreement  without the express,  prior written consent of
the other  party  provided,  that  either  party may  assign  or  transfer  this
Agreement  to any  affiliate of such party upon  advance  written  notice to the
other party  failure on the part of either  party to  exercise,  and no delay in
exercising,  any right or remedy hereunder shall operate as a waiver thereof nor
shall any single or partial exercise any right or remedy hereunder  preclude any
other or further  exercise  thereof or the exercise of any other right or remedy
granted   hereby   or  by  law.   This   Agreement   supersedes   all   previous
representations,  understandings or agreements and shall prevail notwithstanding
any variance with terms and conditions any order  submitted.  Acceptance of this
Agreement  by  UUNET  may  be  subject  in  UUNET's  absolute   discretion,   to
satisfactory  completion of a credit check  Activation of service shall indicate
UUNET's  acceptance  of this  Agreement.  Use of the UUNET Web Hosting  Services
provided hereunder constitutes acceptance of this Agreement.

AGREED AND ACCEPTED

Signature: /s/ Barbara S.  Will        Company Name: IPVoice.com, Inc.
Printed Name: Barbara S.  Will         Address: 5050 N 19th Ave #416
Title: President                                Phoenix, AZ 85015
Date:   12-15-99                       Telephone: 602-335-1231
                                       Fax: 602-335-1577

                              THE INTERNET AT WORKEXHIBIT 10.38

                                 EQUIPMENT LEASE

This  Equipment  Lease (this  "Lease") is made  effective as of January 20, 2000
between international  Investment Partners, Ltd (the "Lessor"),  615 Centerville
Road, Lancaster, PA 17601, and IPVoice.com,Inc.  (the "Lessee"), 5050 North 19th
Avenue, Suite 416, Phoenix,,  AZ 850 15, and states the agreement of the parties
as follows:

EQUIPMENT  SUBJECT TO LEASE.  The Lessor shall lease the equipment listed on the
attached Exhibit "A".

PAYMENT TERMS.  The Lessee shall make 36 payments of $3,342.26 each, for a total
amount of $120,321.36. Payments shall be due on the 28th day of each month, with
the first  payment due on February 28,  2000.  The lease  payments  shall be due
whether or not the Lessee has received notice of a payment due.

SERVICE CHARGE.  If any Lease installment is not paid within 15 day(s) after the
due date, the Lessee shall pay to the Lessor a service charge of $50.00.

NON-SUFFICIENT  FUNDS. The Lessee shall be charged $25.00 for each check that is
returned to the Lessor for lack of sufficient -funds.

SECURITY  DEPOSIT.  The Lessee shall pay a security  deposit of $6,000.00 at the
time that this Lease is signed.  This  deposit will be returned to the Lessee at
the  termination of this Lease,  subject to the option of the Lessor to apply it
against  Lease  charges  and  damages  or  exercise  of the  option to  purchase
contained  herein..  Any amounts  refundable  to the Lessee shall be paid at the
time this Lease is terminated. The security deposit shall not bear interest.

LEASE  TERM.  This  Lease  shall  begin on the  above  effective  date and shall
terminate  on  January  28,  2003,  unless  otherwise  terminated  in  a  manner
consistent with the terms of this Lease.

LOCATION OF EQUIPMENT.  The equipment  shall be located at the Lessees  location
sites in New York and Los  Angeles,  during  the  lease  term,  and shall not be
removed from those locations without the Lessor's prior written consent.

CARE AND OPERATION OF EQUIPMENT. The equipment may only be used and operated in
a careful and proper manner. Its use must comply with all laws, ordinances,  and
regulations  relating to the  possession,  use, or maintenance of the equipment,
including registration and/or licensing requirements, if any.

ALTERATIONS.  Lessee shall be permitted to mare alterations to the equipment, if
the alterations do not reduce the value of the equipment or significantly  alter
the purposes for which the equipment is designed.  All alterations  shall be the
property of the Lessor and subject to the terms of this Lease.

MAINTENANCE  AND REPAIR.  The Lessee shall  maintain at the Lessee's  cost,  the
equipment in good repair and Operating  condition,  allowing for reasonable wear
and tear. Such costs shall include labor, material, parts, and similar items.

<PAGE>

LESSOR'S  RIGHT OF  INSPECTION.  The Lessor  shall have the right to inspect the
equipment during Lessee's normal business hours.

RETURN OF EQUIPMENT. At the end of the Lease term, the Lessee shall be obligated
to return the equipment to the Lessor at the Lessee's expense.

OPTION TO RENEW.  If the Lessee is not in default  upon the  expiration  of this
lease,  the Lessee  shall have the option to renew this Lease for a similar term
on such terms as the parties may agree at the time of such renewal.

OPTION TO PURCHASE. If the Lessee is not in default under this Lease, the Lessee
shall have the option to purchase,  in  entirety,  all items of equipment on any
scheduled  lease  payment  date,  or at the end of the lease term, at the prices
specified for such items of equipment in the attached  Equipment  Schedule.  (If
purchase  is at the  end  of  the  lease  term,  the  exercise  price  shall  be
$66,946.77.)  Any such  payment  shall be in  addition  to the  scheduled  lease
payment then due. If the Lessee chooses to exercise this option during the final
90 days of the  originally  scheduled  lease term,  prior written  notice to the
Lessor of such intent must be provided.

ACCEPTANCE  OF  EQUIPMENT.  The  Lessee  shall  inspect  each item of  equipment
delivered pursuant to this Lease. The Lessee shall immediately notify the Lessor
of any  discrepancies  between such item of equipment and the description of the
equipment in the Equipment Schedule.  If the Lessee fails to provide such notice
before  accepting  delivery of the  equipment,  the Lessee will be  conclusively
presumed to have accepted the equipment as specified in the Equipment Schedule.

OWNERSHIP AND STATUS OF EQUIPMENT.  The equipment  will be deemed to be personal
property,  regardless  of the  manner in which it may be  attached  to any other
property.  The Lessor shall be deemed to have retained title to the equipment at
alt times,  unless  the Lessor  transfers  the title by sale.  The Lessee  shall
immediately advise the Lessor regarding any notice of any claim, te'~y, lien, or
legal process issued against the equipment.

WARRANTY.  The  Lessor  makes  no  warranties,  e~press  or  implied,  as to the
equipment leased. The Lessee assumes the responsibility for the condition of the
equipment.

RISK OF LOSS OR DAMAGE.  The Lessee  assumes  all risks of loss or damage to the
equipment from any cause, and agrees to return it to the Lessor in the condition
received  from the Lessor,  with the  exception of normal wear and tear,  unless
otherwise provided in this Lease.

INDEMNITY OF LESSOR FOR LOSS OR DAMAGES. Unless otherwise provided in this
Lease,  if the equipment is damaged or lost, the Lessor shall have the option of
requiring the Lessee to repair the  equipment to a state of good working  order,
or replace the equipment  with like  equipment in good repair,  which  equipment
shall become the property of the Lessor and subject to this Lease.

LIABILITY AND INDEMNITY.  Liability for injury, disability, and death of workers
and other persons caused by operating,  handling,  or transporting the equipment
during the term of this Lease is the  obligation  of the Lessee,  and the Lessee
shall  indemnify  and  hold  the  Lessor  harmless  from  and  against  all such
liability. Lessee shall maintain liability insurance of at least $2,000,000.00.

CASUALTY  INSURANCE.  The  Lessee  shall  insure  the  equipment  in  an  amount
sufficient to cover the replacement cost of the equipment.

<PAGE>

TAXES  AND  FEES.  During  the term of this  Lease,  the  Lessee  shall  pay all
applicable  taxes,  assessments,  and  license  and  registration  fees  on  the
equipment.

DEFAULT. The occurrence of any of the following shall constitute a default under
this Lease:

     A.   The failure to make a required payment under this Lease when due.

     B.   The  violation  of any  other  provision  or  requirement  that is not
          corrected  within 20 days day(s) after written notice of the violation
          is given.

     C.   The insolvency or bankruptcy of the Lessee.

     D.   The  subjection  of any of  Lessee's  property  to any levy,  seizure,
          assignment,  application  or sale for or by any creditor or government
          agency.

RIGHTS ON DEFAULT.  In addition to any other rights  afforded the Lessor by law,
if the Lessee is in default under this Lease, without notice to or demand on the
Lessee,  the Lessor may take  possession  of the  equipment  as provided by law,
deduct the costs of recovery (including attorney fees and legal costs),  repair,
and related  costs,  and hold the Lessee  responsible  tor any  deficiency.  The
rights and remedies of the Lessor  provided by law and this  Agreement  shall be
cumulative in nature.  The Lessor shall be obligated to re-lease the  equipment,
or otherwise mitigate the damages from the default, only as required by law.

NOTICE.  All  notices  required  or  permitted  under this Lease shall be deemed
delivered when delivered in .person or by mail,  postage  prepaid,  addressed to
the  appropriate  party at the address  shown for that party at the beginning of
this Lease.

ASSIGNMENT.  The Lessee shall not assign or sublet any interest in this Lease or
the equipment or permit the equipment to be used by anyone other than the Lessee
or Lessee's employees, without Lessor's prior written consent.

ENTIRE AGREEMENT AND MODIFICATION. This Lease constitutes the entire agreement
between  the  parties.  No  modification  or  amendment  of this Lease  shall be
effective unless in writing and signed by both parties.  This Lease replaces any
and all prior agreements between the parties.

GOVERNING LAW. This Lease shall be construed in accordance  with the laws of the
State of Pennsylvania

SEVERABILITY.  If any  portion  of this  Lease  shall be held to be  invalid  or
unenforceable  for any reason,  the remaining  provisions  shall  continue to be
valid and  enforceable.  If a court  finds that any  provision  of this Lease is
invalid or unenforceable,  but that by limiting such provision,  it would become
valid and  enforceable,  then  such  provision  shall be  deemed to be  written,
construed, and enforced as so limited.

WAIVER. The failure of either party to enforce any provision of this Lease shall
not be construed as a waiver or limitation of that party's right to subsequently
enforce and compel strict compliance with every provision of this Lease.

CERTIFICATION.   Lessee  certifies  that  the  application,   statements,  trade
references,  and financial  reports submitted to Lessor are true and correct and
any material misrepresentation will constitute a default under this Lease.

<PAGE>

ARBITRATION.  Any  controversy  or claim  relating to this Lease,  including the
construction  or  application  of  this  Lease,   will  be  settled  by  binding
arbitration  under the rules of the American  Arbitration  Association,  and any
judgment  granted by the  arbitrator(s)  may be  enforced in any court of proper
jurisdiction.

Lessor:
International Investment Partners, Ltd

By:/s/ Jeremy P Feakins
-----------------------------------------
Jeremy P. Feakins
Managing Partner

Lessee:
IPVoice.com,Inc.

By:/s/ Barbara S Will
---------------------------
Barbara S. Will
President

<PAGE>

                                    EXHIBIT A

                               Equipment Schedule

Equipment  Description:  As  contained  in attached  quotes from  Telic.net  and
Technology's Edge

Lease End Purchase Price: $66,946.77

If Lessee  chooses to exercise  the Option to Purchase on any payment date prior
to lease end, the  purchase  price shall be the monthly  lease  payment then due
plus the balance shown on the attached amortization schedule.

<PAGE>

telic.net
                                     QUOTE
                                     Number IPPF000117

BILL TO:
               IPVO1CE
               5050 North 19th Avenue
               Suite 416
               Phoenix,  AZ   85015
               Fax: 602-335-1577

Attn:       Mr. Bud Bowman

Sales        Purchase    Ship       Date         Quote
Person       Order       Via        Shipped      Date
-------      -------     -----      -------      --------
House                                            1/17/99

<TABLE>
<S>       <C>        <C>                          <C>         <C>          <C>
          Part                                                Unit         Extended
          Number     Description                  Quanitiy    Price        Price
          ---------  ----------------------       --------    -----------  --------------
1                    Nuvo 299 chasis, AC            3           6,648.00      19,944.00
2                    4T1 Kit (3 Cards)              3          26,568.00      79,704.00
3                    Channels (24 per T1)          88              50.00      14,400.00
4                    Digi Port Server 8 w/Rack      2           1,400.00       2,800.00
--------  ---------  ---------------------------- ---------  ------------- --------------
                                                                           $ 116,848.00
5                    Sales Tax @ 8.14%                                         9,639.96
6                    Installation                   2             800.00       1,600.00
7                    Airfare (for LA only)                        300.00         300.00
                     Total                                                 $ 128,387.96

                                                  Shipping                       700.00

                                                  Total Amount Due         $ 129,087.96
</TABLE>

<PAGE>

                                Technology*s Edge
                           From Martin-Williams, Inc.

Proposal for CALL PLUS                                                   Page 1
Proposal No.  6773                                          09/10/99
Requested by Bret Deemer
Prepared by Marty Troup

<TABLE>
<S>                                           <C>         <C>           <C>
                                              Qty         Unit Price    Ext Price

12 PORT SWITCH
     3com 3300 10/100 12 port switch          1.0          1235.00       1235.00
             Total for 12 PORT SWITCH                                    1235.00
RPS UPGRADE
3com RPS chassis                              1.0           590.00        590.00
3com RPS module 100w                          2.0           220.00        440.00
3com Y cable                                  1.0            84.00         84.00

                                              Total for RPS UPGRADE      1114.00

                                              PROPOSAL SUBTOTAL          2349.00

                                              TOTAL SALES TAX             182.04

                                              *GRAND TOTAL*              2531.04
</TABLE>

<PAGE>

payment calculator

----------------------------------------------------
For the given values:

          Principal = $ 131619
          Interest Rate = 18.00%
          Amortization Period = 5 years
          Starting month = Feb
          Starting year = 2000
          Monthly  Pre-payment = $ 0
          Annual Pre-payment = $ 0.00

----------------------------------------------------
Your monthly payment will be $ 3342.26

The following mortgage would result for 2000:

<TABLE>
<S>     <C>         <C>       <C>
Month   Prin        Int       Balance
Feb     1367.97     1974.28   130251.03
Mar     1388.49     1953.77   128862.54
Apr     1409.32     1932.94   127453.22
May     1430.46     1911.80   126022.76
Jun     1451.92     1890.34   124570.84
Jul     1473.69     1868.56   123097.15
Aug     1495.80     1846.46   121601.35
Sep     1518.24     1824.02   120083.11
Oct     1541.01     1801.25   118542.10
Nov     1564.13     1778.13   116977.97
Dec     1587.59     1754.67   115390.38
</TABLE>

FOR 2000 : Int=$ 20536.22 Prin=$ 16228.62 Bal=$ 115390.38

<PAGE>

For Calender Year 2001 (Year 2, 4 left)

<TABLE>
<S>     <C>         <C>       <C>
Month   Prin        Int       Balance
Jan     1611.40      1730.86  113778.98
Feb     1635.57      1706.68  112143.41
Mar     1660.11      1682.15  110483.30
Apr     1685.01      1657.25  108798.29
May     1710.28      1631.97  107088.01
Jun     1735.94      1606.32  105352.07
Jul     1761.98      1580.25  103590.10
Aug     1788.41      1553.85  101801.69
Sep     1815.23      1527.03   99986.46
Oct     1842.46      1499.80   98144.00
Nov     1870.10      1472.16   96273.90
Dec     1898.15      1444.11   94376.75
</TABLE>

FOR 2001: Int=$ 19092.46 Prin=$ 21014.63 Bal=$ 94375.75

-------------------------------------------------------------------------------

For Calender Year 2002(Year 3, 3 left)

<TABLE>
<S>     <C>         <C>       <C>
Month   Prin        Int       Balance
Jan     1926.62     1415.64   92449.13
Feb     1955.52     1386.74   90493.61
Mar     1984.85     1357.40   88508.76
Apr     2014.63     1327.63   86494.13
May     2044.85     1294.41   84449.28
Jun     2075.52     1266.74   82373.77
Jul     2106.65     1235.61   80267.12
Aug     2138.25     1204.01   78128.86
Sep     2170.32     1171.93   75958.54
Oct     2202.88     1139.38   73755.66
Nov     2235.92     1106.33   71519.74
Dec     2269.46     1072.80   69250.28
</TABLE>

FOR 2002: Int=$ 14981.62 Prin=$ 25125.48 Bal=$ 69250.28

<PAGE>

For Calender Year 2003 (Year 4, 2 left)

<TABLE>
<S>     <C>         <C>       <C>
Month   Prin        Int       Balance
Jan     2303.50     1038.75   66946.77
Feb     2338.06     1004.20   64608.72
Mar     2373.13      969.13   62235.59
Apr     2408.72      933.53   59826.87
May     2444.85      897.40   57382.01
Jun     2481.53      860.73   54900.48
Jul     2518.75      823.51   52381.73
Aug     2556.53      785.73   49825.20
Sep     2594.88      747.38   47230.32
Oct     2633.80      708.45   44596.52
Nov     2673.31      688.95   41923.21
Dec     2713.41      628.85   39209.80
</TABLE>

FOR 2003 Int=$ 10066.62 Prin=$ 300400.47 Bal=$ 39209.80

-------------------------------------------------------------------------------

For Calender Year 2004 (Year 5, 1 left)

<TABLE>
<S>     <C>         <C>       <C>
Month   Prin        Int       Balance
Jan      2754.11     588.15   36455.69
Feb      2795.42     546.84   33660.27
Mar      2837.35     504.90   30822.92
Apr      2879.91     462.34   27943.00
May      2923.11     419.15   25019.89
Jun      2966.96     375.30   22052.93
Jul      3011.46     330.79   19041.47
Aug      3056.64     285.62   15984.83
Sep      3102.49     239.77   12882.35
Oct      3149.02     193.24    9733.32
Nov      3244.20      98.06    3292.86
Dec      3244.20      98.06    3292.86
</TABLE>

FOR 2004 Int=$ 4190.15 Prin=$ 35916.94 Bal=$ 3292.86

<PAGE>

For Calender Year 2005 (Year 6, 0 left)

Month   Prin        Int       Balance
Jan     3292.86     49.39     0.00

-------------------------------------------------------------------------------

Where the final summary is:

o           Monthly Payment: $ 3342.26
o           Total lnt:$ 68916.45(No pre-payment)
o           Total Int:$ 68916.45 (As given)
o           SAVINGS: $ 0.00 Total Interest Saved, 0.00 Years shorter loan
o           2000 Int $20536.22
o           2001 Int $ 19092.46
o           End Bal Dec 2001: $ 94375.75
o           Avg Int each Month: $ 1148.61

For more information call 1-800-732-1999 or email info@efcol.com,  Copyright (C)
1999 Express Financial Corp. All rights reserved.

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00007-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00007-of-00352.parquet"}]]