Document:

EXHIBIT 10.47

                                           General Terms and Conditions - Part A
                                                                          Page 1

                                    AGREEMENT

         THIS  AGREEMENT  is made by and between  BellSouth  Telecommunications,
Inc.,  ("BellSouth"),  a Georgia corporation,  and The Other Phone Company, Inc.
d/b/a Access One Communications, Inc. ("Access One"), a Florida corporation, and
shall be deemed  effective as of February 17, 2000.  This Agreement may refer to
either BellSouth or Access One or both as a "Party" or "Parties."

                               W I T N E S S E T H

         WHEREAS,  BellSouth  is a  local  exchange  telecommunications  company
authorized  to provide  telecommunications  services  in the states of  Alabama,
Florida,  Georgia,  Kentucky,  Louisiana,  Mississippi,  North  Carolina,  South
Carolina and Tennessee; and

         WHEREAS, Access One is or seeks to become an alternative local exchange
telecommunications  company  ("CLEC")  authorized to provide  telecommunications
services  in the  states of  Alabama,  Florida,  Georgia,  Kentucky,  Louisiana,
Mississippi, North Carolina, South Carolina, and Tennessee; and

         WHEREAS,  the  Parties  wish to resell  BellSouth's  telecommunications
services and/or  interconnect  their  facilities,  purchase network elements and
other services, and exchange traffic specifically for the purposes of fulfilling
their obligations pursuant to sections 251 and 252 of the Telecommunications Act
of 1996 ("the Act").

         NOW THEREFORE,  in  consideration  of the mutual  agreements  contained
herein, BellSouth and Access One agree as follows:

1.                PURPOSE

                  The  Parties  agree  that  the  rates,  terms  and  conditions
                  contained  within this Agreement,  including all  Attachments,
                  comply  and  conform  with  each  Parties'  obligations  under
                  sections  251 and  252 of the  Act.  The  resale,  access  and
                  interconnection obligations contained herein enable Access One
                  to provide competing telephone exchange service to residential
                  and business  subscribers  within the  territory of BellSouth.
                  The Parties  agree that Access One will not be  considered  to
                  have offered telecommunications  services to the public in any
                  state  within  BellSouth's  region  until  such time as it has
                  ordered services for resale or interconnection  facilities for
                  the purposes of providing  business and/or  residential  local
                  exchange service to customers.

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                                           General Terms and Conditions - Part A
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2.                TERM OF THE AGREEMENT

2.1               The  term of this  Agreement  shall  be two  years,  beginning
                  February  17, 2000 and shall apply to the state(s) of Alabama,
                  Florida,  Georgia,  Kentucky,  Louisiana,  Mississippi,  North
                  Carolina,   South  Carolina,  and  Tennessee.  If  as  of  the
                  expiration  of this  Agreement,  a  Subsequent  Agreement  (as
                  defined in Section  2.2  below) has not been  executed  by the
                  Parties,  this Agreement  shall  continue on a  month-to-month
                  basis while a Subsequent  Agreement is being  negotiated.  The
                  Parties' rights and obligations with respect to this Agreement
                  after expiration shall be as set forth in Section 2.4 below.

2.2               The Parties agree that by no later than one hundred and eighty
                  (180) days prior to the  expiration  of this  Agreement,  they
                  shall  commence   negotiations   with  regard  to  the  terms,
                  conditions  and prices of resale and/or local  interconnection
                  to be  effective  beginning  on the  expiration  date  of this
                  Agreement ("Subsequent Agreement").

2.3               If,  within  one  hundred  and   thirty-five   (135)  days  of
                  commencing the  negotiation  referred to in Section 2.2 above,
                  the Parties are unable to satisfactorily  negotiate new resale
                  and/or local  interconnection  terms,  conditions  and prices,
                  either  Party  may  petition  the   Commission   to  establish
                  appropriate local  interconnection  and/or resale arrangements
                  pursuant to 47 U.S.C.  252.  The Parties  agree that,  in such
                  event,  they shall encourage the Commission to issue its order
                  regarding the appropriate local interconnection  and/or resale
                  arrangements  no  later  than  the  expiration  date  of  this
                  Agreement.  The  Parties  further  agree that in the event the
                  Commission  does not issue its order  prior to the  expiration
                  date of this Agreement,  or if the Parties continue beyond the
                  expiration  date of this  Agreement  to  negotiate  the  local
                  interconnection  and/or resale arrangements without Commission
                  intervention,  the terms,  conditions  and  prices  ultimately
                  ordered by the Commission,  or negotiated by the Parties, will
                  be effective  retroactive  to the day following the expiration
                  date of this Agreement.

2.4               Notwithstanding  the  foregoing,  in the event  that as of the
                  date of  expiration of this  Agreement and  conversion of this
                  Agreement  to a  month-to-month  term,  the  Parties  have not
                  entered into a Subsequent  Agreement and either no arbitration
                  proceeding  has been  filed in  accordance  with  Section  2.3
                  above,   or  the  Parties  have  not  mutually  agreed  (where
                  permissible) to extend the arbitration  window for petitioning
                  the  applicable  Commission(s)  for  resolution of those terms
                  upon which the Parties have not agreed,  then either Party may
                  terminate  this  Agreement  upon sixty (60) days notice to the
                  other  Party.  In the event  that  BellSouth  terminates  this
                  Agreement as provided above, BellSouth shall continue to offer
                  services to Access One pursuant to the terms,  conditions  and
                  rates  set  forth  in   BellSouth's   Statement  of  Generally
                  Available Terms (SGAT) to the extent an SGAT has been approved
                  by the applicable  Commission(s).  If any state Commission has
                  not  approved  a  BellSouth   SGAT,   then  upon   BellSouth's

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                                           General Terms and Conditions - Part A
                                                                          Page 3

                  termination  of this Agreement as provided  herein,  BellSouth
                  will  continue to provide  services to Access One  pursuant to
                  BellSouth's then current standard  interconnection  agreement.
                  In  the   event   that  the  SGAT  or   BellSouth's   standard
                  interconnection  agreement  becomes  effective  as between the
                  Parties,  the Parties may  continue to  negotiate a Subsequent
                  Agreement, and the terms of such Subsequent Agreement shall be
                  effective  retroactive to the day following expiration of this
                  Agreement.

3.                ORDERING PROCEDURES

3.1               Access One shall provide BellSouth its Carrier  Identification
                  Code (CIC),  Operating Company Number (OCN), Group Access Code
                  (GAC) and Access  Customer  Name and  Address  (ACNA)  code as
                  applicable prior to placing its first order.

3.2               The   Parties   agree  to  adhere  to  the   BellSouth   Local
                  Interconnection  and Facility  Based Ordering Guide and Resale
                  Ordering Guide, as appropriate for the services ordered.

3.3               Access One shall pay charges for  Operational  Support Systems
                  (OSS) as set forth in this Agreement in Attachment 1 and/or in
                  Attachment 2, 3, 5 and 7 as applicable.

4.                PARITY

                  When Access One  purchases,  pursuant to  Attachment 1 of this
                  Agreement,  telecommunications services from BellSouth for the
                  purposes of resale to end users,  BellSouth shall provide said
                  services so that the services are equal in quality, subject to
                  the same conditions, and provided within the same provisioning
                  time  intervals  that  BellSouth  provides to its  affiliates,
                  subsidiaries   and  end  users.  To  the  extent   technically
                  feasible,  the  quality of a Network  Element,  as well as the
                  quality  of the access to such  Network  Element  provided  by
                  BellSouth  to Access One shall be at least equal in quality to
                  that which  BellSouth  provides to itself.  The quality of the
                  interconnection  between  the  networks of  BellSouth  and the
                  network  of Access  One  shall be at a level  that is equal to
                  that  which  BellSouth  provides  itself,  a  subsidiary,   an
                  Affiliate, or any other party. The interconnection  facilities
                  shall be  designed  to meet the same  technical  criteria  and
                  service standards that are used within BellSouth's network and
                  shall  extend  to  a  consideration   of  service  quality  as
                  perceived  by end users and service  quality as  perceived  by
                  Access One.
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                                           General Terms and Conditions - Part A
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5.                WHITE PAGES LISTINGS

                  BellSouth shall provide Access One and their customers  access
                  to white pages directory listings under the following terms:

5.1               Listings.  Access  One  shall  provide  all new,  changed  and
                  deleted  listings on a timely basis and BellSouth or its agent
                  will include  Access One  residential  and  business  customer
                  listings  in the  appropriate  White  Pages  (residential  and
                  business) or alphabetical directories. Directory listings will
                  make  no   distinction   between   Access  One  and  BellSouth
                  subscribers.

5.2               Rates.  BellSouth  and Access  One will  provide to each other
                  subscriber primary listing  information in the White Pages for
                  a non-recurring charge.

5.3               Procedures  for Submitting  Access One Subscriber  Information
                  are found in BellSouth's Ordering Guide for manually processed
                  listings  and  in  the  Local  Exchange   Ordering  Guide  for
                  mechanically submitted listings.

5.3.1             Notwithstanding  any provision(s) to the contrary,  Access One
                  agrees  to  provide  to  BellSouth,  and  BellSouth  agrees to
                  accept,  Access One's  Subscriber  Listing  Information  (SLI)
                  relating to Access One's  customers in the geographic  area(s)
                  covered  by  this   Interconnection   Agreement.   Access  One
                  authorizes  BellSouth  to  release  all  such  Access  One SLI
                  provided  to  BellSouth  by  Access  One to  qualifying  third
                  parties via either license agreement or BellSouth's  Directory
                  Publishers   Database  Service  (DPDS),   General   Subscriber
                  Services  Tariff,  Section  A38.2,  as the same may be amended
                  from time to time.  Such CLEC SLI shall be  intermingled  with
                  BellSouth's  own customer  listings of any other CLEC that has
                  authorized  a  similar   release  of  SLI.  Where   necessary,
                  BellSouth   will  use  good  faith  efforts  to  obtain  state
                  commission approval of any necessary  modifications to Section
                  A38.2 of its tariff to  provide  for  release  of third  party
                  directory listings, including modifications regarding listings
                  to  be  released  pursuant  to  such  tariff  and  BellSouth's
                  liability therunder.  BellSouth's  obligation pursuant to this
                  Section  shall not  arise in any  particular  state  until the
                  commission  of such state has approved  modifications  to such
                  tariff.

5.3.2             No  compensation  shall be paid to Access One for  BellSouth's
                  receipt of Access One SLI,  or for the  subsequent  release to
                  third  parties  of  such  SLI.  In  addition,  to  the  extent
                  BellSouth  incurs costs on an ongoing basis to administer  the
                  release of Access One SLI,  Access One shall pay to  BellSouth
                  its  proportionate  share of the reasonable  costs  associated
                  therewith.

5.3.3             BellSouth  shall not be liable for the  content or accuracy of
                  any SLI  provided by Access One under this  Agreement.  Access
                  One shall  indemnify,  hold harmless and defend BellSouth from
                  and against any damages, losses, liabilities,  demands
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                                           General Terms and Conditions - Part A
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                  claims,  suits,  judgments,  costs and expenses (including but
                  not  limited  to  reasonable  attorneys'  fees  and  expenses)
                  arising from BellSouth's  tariff  obligations or otherwise and
                  resulting  from or arising out of any third  party's  claim of
                  inaccurate  Access  One  listings  or use of the SLI  provided
                  pursuant to this Agreement.  BellSouth shall forward to Access
                  One any  complaints  received  by  BellSouth  relating  to the
                  accuracy or quality of Access One listings.

5.3.4             Listings and  subsequent  updates will be released  consistent
                  with  BellSouth   system  changes  and/or  update   scheduling
                  requirements.

5.4               Unlisted/Non-Published   Subscribers.   Access   One  will  be
                  required  to provide to  BellSouth  the names,  addresses  and
                  telephone  numbers of all Access One customers that wish to be
                  omitted from directories.

5.5               Inclusion  of Access One  Customers  in  Directory  Assistance
                  Database.  BellSouth  will  include  and  maintain  Access One
                  subscriber  listings  in  BellSouth's   Directory   Assistance
                  databases at no recurring  charge and Access One shall provide
                  such  Directory  Assistance  listings at no recurring  charge.
                  BellSouth and Access One will formulate appropriate procedures
                  regarding lead-time, timeliness, format and content of listing
                  information.

5.6               Listing  Information  Confidentiality.  BellSouth  will accord
                  Access One's directory  listing  information the same level of
                  confidentiality  that  BellSouth  accords  its  own  directory
                  listing  information,  and  BellSouth  shall  limit  access to
                  Access  One's  customer  proprietary   confidential  directory
                  information to those  BellSouth  employees who are involved in
                  the preparation of listings.

5.7               Optional Listings.  Additional  listings and optional listings
                  will be offered by BellSouth at tariffed rates as set forth in
                  the General Subscriber Services Tariff.

5.8               Delivery.  BellSouth  or its agent shall  deliver  White Pages
                  directories  to  Access  One  subscribers  at no  charge or as
                  specified in a separate BAPCO agreement.
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                                           General Terms and Conditions - Part A
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6.                BONA FIDE  REQUEST/NEW  BUSINESS  REQUEST  PROCESS FOR FURTHER
                  UNBUNDLING

                  If Access One is a facilities  based  provider or a facilities
                  based and resale provider, this section shall apply. BellSouth
                  shall,  upon  request  of Access  One,  provide  to Access One
                  access to its  network  elements at any  technically  feasible
                  point for the  provision  of Access  One's  telecommunications
                  service  where such access is necessary and failure to provide
                  access  would  impair  the  ability  of Access  One to provide
                  services that it seeks to offer. Any request by Access One for
                  access to a network element,  interconnection  option,  or for
                  the provisioning of any service or product that is not already
                  available shall be treated as a Bona Fide Request/New Business
                  Request,  and shall be submitted to BellSouth  pursuant to the
                  Bona  Fide  Request/New  Business  Request  process  set forth
                  following.

 6.1              A Bona Fide Request/New Business Request shall be submitted in
                  writing  to Access  One's  Account  Manager  by Access One and
                  shall  specifically   identify  the  requested  service  date,
                  technical   requirements,   space  requirements   and/or  such
                  specifications  that  clearly  define  the  request  such that
                  BellSouth has sufficient  information to analyze and prepare a
                  response.  Such a request  also  shall  include  Access  One's
                  designation  of the  request  as  being  (i)  pursuant  to the
                  Telecommunications  Act of 1996 or (ii)  pursuant to the needs
                  of the business.

7.                COURT  ORDERED  REQUESTS  FOR CALL  DETAIL  RECORDS  AND OTHER
                  SUBSCRIBER INFORMATION

7.1               To the extent technically  feasible,  BellSouth maintains call
                  detail  records  for  Access  One end users for  limited  time
                  periods  and  can  respond  to  subpoenas  and  court  ordered
                  requests for this  information.  BellSouth shall maintain such
                  information  for Access  One end users for the same  length of
                  time it maintains such information for its own end users.

7.2               Access One agrees that BellSouth will respond to subpoenas and
                  court ordered requests delivered directly to BellSouth for the
                  purpose of  providing  call detail  records  when the targeted
                  telephone numbers belong to Access One end users.  Billing for
                  such  requests  will be generated by BellSouth and directed to
                  the law enforcement agency initiating the request.

7.3               Where  BellSouth  is  providing  to  AT&T   telecommunications
                  services for resale or  providing to AT&T the local  switching
                  function,  then AT&T  agrees  that in those  cases  where AT&T
                  receives   subpoenas  or  court  ordered  requests   regarding
                  targeted  telephone  numbers  belonging to AT&T end users,  if
                  AT&T does not have the requested information, AT&T will advise
                  the law enforcement  agency initiating the request to redirect
                  the subpoena or court ordered request to BellSouth.  Where the
                  request  has been  forwarded  to  BellSouth,  billing for call
                  detail information will be generated by BellSouth and directed
                  to the law enforcement agency initiating the request.
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                                           General Terms and Conditions - Part A
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7.4               In all other instances, Access One will provide Access One end
                  user and/or other  customer  information  that is available to
                  Access One in response to subpoenas and court orders for their
                  own customer  records.  When BellSouth  receives  subpoenas or
                  court ordered requests  regarding  targeted  telephone numbers
                  belonging  to AT&T end users,  BellSouth  will  advise the law
                  enforcement  agency  initiating  the request to  redirect  the
                  subpoena or court ordered request to AT&T.

8.                LIABILITY AND INDEMNIFICATION

8.1               BellSouth   Liability.    BellSouth   shall   take   financial
                  responsibility for its own actions in causing,  or its lack of
                  action in preventing,  unbillable or uncollectible  Access One
                  revenues.

8.2               Access One Liability. In the event that Access One consists of
                  two (2) or more separate entities as set forth in the preamble
                  to this  Agreement,  all such  entities  shall be jointly  and
                  severally  liable for the obligations of Access One under this
                  Agreement.

8.3               Liability  for Acts or  Omissions  of Third  Parties.  Neither
                  BellSouth  nor  Access  One  shall  be  liable  for any act or
                  omission  of another  telecommunications  company  providing a
                  portion of the services provided under this Agreement.

8.4               Limitation of Liability.

8.4.1             Each Party's liability to the other for any loss, cost, claim,
                  injury  or   liability   or  expense,   including   reasonable
                  attorney's  fees  relating to or arising out of any  negligent
                  act or omission in its  performance of this Agreement  whether
                  in contract  or in tort,  shall be limited to a credit for the
                  actual cost of the  services or  functions  not  performed  or
                  improperly performed.

8.4.2             Limitations in Tariffs.  A Party may, in its sole  discretion,
                  provide in its tariffs and  contracts  with its  Customer  and
                  third parties that relate to any service,  product or function
                  provided or  contemplated  under this  Agreement,  that to the
                  maximum extent  permitted by Applicable  Law, such Party shall
                  not be  liable  to  Customer  or third  Party for (i) any Loss
                  relating  to or  arising  out of this  Agreement,  whether  in
                  contract,  tort or  otherwise,  that  exceeds  the amount such
                  Party  would  have  charged  that  applicable  person  for the
                  service,  product or function  that gave rise to such Loss and
                  (ii) Consequential  Damages. To the extent that a Party elects
                  not to place in its tariffs or contracts  such  limitations of
                  liability,  and the  other  Party  incurs  a Loss as a  result
                  thereof,  such Party shall  indemnify  and reimburse the other
                  Party  for that  portion  of the Loss  that  would  have  been
                  limited  had the  first  Party  included  in its  tariffs  and
                  contracts the  limitations  of liability that such other Party
                  included in its own tariffs at the time of such Loss.
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                                           General Terms and Conditions - Part A
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8.4.3             Neither  BellSouth  nor Access One shall be liable for damages
                  to the  other's  terminal  location,  POI or  other  company's
                  customers'   premises  resulting  from  the  furnishing  of  a
                  service,  including,  but not limited to, the installation and
                  removal  of  equipment  or  associated  wiring,  except to the
                  extent caused by a company's  negligence or willful misconduct
                  or by a  company's  failure  to  properly  ground a local loop
                  after disconnection.

8.4.4             Under no  circumstance  shall a Party be responsible or liable
                  for indirect, incidental, or consequential damages, including,
                  but not limited to, economic loss or lost business or profits,
                  damages  arising from the use or  performance  of equipment or
                  software,  or the loss of use of  software  or  equipment,  or
                  accessories  attached thereto,  delay, error, or loss of data.
                  In connection  with this  limitation of liability,  each Party
                  recognizes  that  the  other  Party  may,  from  time to time,
                  provide advice, make recommendations, or supply other analyses
                  related  to the  Services,  or  facilities  described  in this
                  Agreement, and, while each Party shall use diligent efforts in
                  this  regard,  the  Parties  acknowledge  and agree  that this
                  limitation  of  liability  shall  apply to  provision  of such
                  advice, recommendations, and analyses.

8.5               Indemnification   for  Certain  Claims.  The  Party  providing
                  services  hereunder,  its affiliates  and its parent  company,
                  shall be indemnified,  defended and held harmless by the Party
                  receiving services hereunder against any claim, loss or damage
                  arising  from  the  receiving  company's  use of the  services
                  provided  under this  Agreement  pertaining  to (1) claims for
                  libel, slander or invasion of privacy arising from the content
                  of the  receiving  company's  own  communications,  or (2) any
                  claim,  loss or damage  claimed by the  customer  of the Party
                  receiving services arising from such company's use or reliance
                  on the  providing  company's  services,  actions,  duties,  or
                  obligations arising out of this Agreement.

8.6               Disclaimer. EXCEPT AS SPECIFICALLY PROVIDED TO THE CONTRARY IN
                  THIS  AGREEMENT,  NEITHER PARTY MAKES ANY  REPRESENTATIONS  OR
                  WARRANTIES TO THE OTHER PARTY  CONCERNING THE SPECIFIC QUALITY
                  OF ANY SERVICES,  OR FACILITIES PROVIDED UNDER THIS AGREEMENT.
                  THE PARTIES  DISCLAIM,  WITHOUT  LIMITATION,  ANY  WARRANTY OR
                  GUARANTEE  OF  MERCHANTABILITY  OR  FITNESS  FOR A  PARTICULAR
                  PURPOSE,  ARISING  FROM  COURSE  OF  PERFORMANCE,   COURSE  OF
                  DEALING, OR FROM USAGES OF TRADE.

9.                INTELLECTUAL PROPERTY RIGHTS AND INDEMNIFICATION

9.1               No  License.   No  patent,   copyright,   trademark  or  other
                  proprietary   right  is   licensed,   granted   or   otherwise
                  transferred  by  this   Agreement.   Access  One  is  strictly
                  prohibited  from  any use,  including  but not  limited  to in
                  sales,  in
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                                           General Terms and Conditions - Part A
                                                                          Page 9

                  marketing or advertising of  telecommunications  services,  of
                  any BellSouth name, service mark or trademark.

9.2               Ownership of Intellectual  Property. Any intellectual property
                  which  originates from or is developed by a Party shall remain
                  in the exclusive ownership of that Party. Except for a limited
                  license to use patents or copyrights  to the extent  necessary
                  for the Parties to use any facilities or equipment  (including
                  software) or to receive any service  solely as provided  under
                  this Agreement, no license in patent, copyright,  trademark or
                  trade secret,  or other  proprietary or intellectual  property
                  right now or hereafter  owned,  controlled  or licensable by a
                  Party,  is granted  to the other  Party or shall be implied or
                  arise by estoppel.  It is the  responsibility of each Party to
                  ensure at no  additional  cost to the other  Party that it has
                  obtained any  necessary  licenses in relation to  intellectual
                  property  of third  Parties  used in its  network  that may be
                  required  to enable the other Party to use any  facilities  or
                  equipment (including software),  to receive any service, or to
                  perform its respective obligations under this Agreement.

9.3               Indemnification.  The Party  providing  a service  pursuant to
                  this Agreement will defend the Party receiving such service or
                  data  provided as a result of such service  against  claims of
                  infringement  arising  solely  from  the use by the  receiving
                  Party of such service and will  indemnify the receiving  Party
                  for  any  damages  awarded  based  solely  on such  claims  in
                  accordance with Section 8 of this Agreement.

9.4               Claim of Infringement. In the event that use of any facilities
                  or equipment (including  software),  becomes, or in reasonable
                  judgment of the Party who owns the affected  network is likely
                  to become, the subject of a claim, action, suit, or proceeding
                  based on intellectual property  infringement,  then said Party
                  shall  promptly  and at its sole  expense,  but subject to the
                  limitations of liability set forth below:

9.4.1             modify or  replace  the  applicable  facilities  or  equipment
                  (including software) while maintaining form and function, or

9.4.2             obtain a license sufficient to allow such use to continue.

9.4.3             In the  event  9.4.1 or 9.4.2 are  commercially  unreasonable,
                  then said Party may,  terminate,  upon reasonable notice, this
                  contract with respect to use of, or services  provided through
                  use  of,  the  affected  facilities  or  equipment  (including
                  software),  but  solely to the  extent  required  to avoid the
                  infringement claim.

9.5               Exception to Obligations.  Neither Party's  obligations  under
                  this  Section  shall apply to the extent the  infringement  is
                  caused by: (i)  modification  of the  facilities  or equipment
                  (including  software)  by  the  indemnitee;  (ii)  use  by the
                  indemnitee of the facilities or equipment (including software)
                  in  combination   with  equipment
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                                           General Terms and Conditions - Part A
                                                                         Page 10

                  or facilities  (including software) not provided or authorized
                  by  the  indemnitor   provided  the  facilities  or  equipment
                  (including  software)  would not be  infringing if used alone;
                  (iii)  conformance to  specifications  of the indemnitee which
                  would  necessarily  result in infringement;  or (iv) continued
                  use by the indemnitee of the affected  facilities or equipment
                  (including   software)   after  being   placed  on  notice  to
                  discontinue use as set forth herein.

9.6               Exclusive Remedy.  The foregoing shall constitute the Parties'
                  sole and exclusive  remedies and obligations with respect to a
                  third  party  claim  of  intellectual   property  infringement
                  arising out of the conduct of business under this Agreement.

10.               PROPRIETARY AND CONFIDENTIAL INFORMATION

10.1              Proprietary and Confidential  Information:  Defined. It may be
                  necessary   for   BellSouth   and  Access  One,  each  as  the
                  "Discloser,"  to provide to the other party,  as  "Recipient,"
                  certain  proprietary and confidential  information  (including
                  trade  secret  information)   including  but  not  limited  to
                  technical,  financial,  marketing, staffing and business plans
                  and information,  strategic information, , proposals,  request
                  for  proposals,   specifications,   drawings,  prices,  costs,
                  procedures,  processes,  business systems,  software programs,
                  techniques,  customer  account data,  call detail  records and
                  like information (collectively the  Discloser's"Information").
                  All  Information  shall be provided to Recipient in written or
                  other  tangible  or  electronic  form,  clearly  marked with a
                  confidential and,  proprietary  notice . Information orally or
                  visually provided to Recipient must be designated by Discloser
                  as confidential and proprietary at the time of such disclosure
                  and must be reduced to writing marked with a confidential  and
                  proprietary  notice and  provided to Recipient  within  thirty
                  (30) calendar days after such oral or visual disclosure.

10.2              Use and  Protection of  Information.  Recipient  shall use the
                  Information  solely  for the  purpose(s)  of  performing  this
                  Agreement,  and Recipient shall protect  Information  from any
                  use, distribution or disclosure except as permitted hereunder.
                  Recipient  will  use the  same  standard  of  care to  protect
                  Information  as  Recipient  uses to  protect  its own  similar
                  confidential and proprietary information,  but not less than a
                  reasonable   standard   of  care.   Recipient   may   disclose
                  Information  solely to the Authorized  Representatives  of the
                  Recipient  who  (a)  have a  substantive  need  to  know  such
                  Information in connection  with  performance of the Agreement;
                  (b) have been  advised  of the  confidential  and  proprietary
                  nature of the Information;  and (c) have personally  agreed in
                  writing   to  protect   from   unauthorized   disclosure   all
                  confidential and proprietary information,  of whatever source,
                  to which they have  access in the course of their  employment.
                  "Authorized  Representatives" are the officers,  directors and
                  employees  of  Recipient  and  its  Affiliates,   as  well  as
                  Recipient's  and  its  Affiliates'  consultants,  contractors,
                  counsel and agents.  "  Affiliates"  means any company that is
                  owned
<PAGE>

                                           General Terms and Conditions - Part A
                                                                         Page 11

                  in  whole  or in  part,  now or in  the  future,  directly  or
                  indirectly through a subsidiary, by a party hereto.

10.3              Ownership,  Copying  &  Return  of  Information.   Information
                  remains at all times the property of Discloser.  Recipient may
                  make  tangible  or  electronic  copies,  notes,  summaries  or
                  extracts  of   Information   only  as  necessary  for  use  as
                  authorized  herein.  All such tangible or  electronic  copies,
                  notes,  summaries  or  extracts  must be marked  with the same
                  confidential   and  proprietary   notice  as  appears  on  the
                  original.  Upon  Discloser's  request,  all or  any  requested
                  portion of the  Information  (including,  but not  limited to,
                  tangible and electronic copies,  notes,  summaries or extracts
                  of any information)  will be promptly returned to Discloser or
                  destroyed , and Recipient will provide  Discloser with written
                  certification  stating that such Information has been returned
                  or destroyed.

10.4              Exceptions . Discloser's Information does not include: (a) any
                  information   publicly   disclosed  by   Discloser;   (b)  any
                  information  Discloser  in  writing  authorizes  Recipient  to
                  disclose  without  restriction;  (c) any  information  already
                  lawfully known to Recipient at the time it is disclosed by the
                  Discloser, without an obligation to keep confidential;  or (d)
                  any  information  Recipient  lawfully  obtains from any source
                  other  than  Discloser,  provided  that such  source  lawfully
                  disclosed and/or independently developed such information.  If
                  Recipient is required to provide  Information  to any court or
                  government  agency pursuant to written court order,  subpoena,
                  regulation or process of law,  Recipient  must first  provided
                  Discloser with prompt written notice of such  requirement  and
                  cooperate with Discloser to  appropriately  protect against or
                  limit  the scope of such  disclosure.  To the  fullest  extent
                  permitted  by law,  Recipient  will  continue  to  protect  as
                  confidential  and  proprietary  all  Information  disclosed in
                  response to a written  court order,  subpoena,  regulation  or
                  process of law.
10.5              Equitable Relief.  Recipient  acknowledges and agrees that any
                  breach or  threatened  breach of this  Agreement  is likely to
                  cause Discloser  irreparable  harm for which money damages may
                  not  be  an  appropriate  or  sufficient   remedy.   Recipient
                  therefore agrees that Discloser or its Affiliates, as the case
                  may be, are entitled to receive  injunctive or other equitable
                  relief to remedy or prevent any breach or threatened breach of
                  this  Agreement.  Such remedy is not the exclusive  remedy for
                  any breach or threatened  breach of this Agreement,  but is in
                  addition to all other rights and remedies  available at law or
                  in equity.

10.6              Survival of Confidentiality  Obligations.  The parties' rights
                  and  obligations  under  this  Section  10 shall  survive  and
                  continue in effect until two (2) years after the expiration or
                  termination   date  of  this  Agreement  with  regard  to  all
                  Information  exchanged  during  the  term of  this  Agreement.
                  Thereafter,  the  parties'  rights and  obligations  hereunder
                  survive and continue in effect with respect to any Information
                  that is a trade secret under applicable law.
<PAGE>
                                           General Terms and Conditions - Part A
                                                                         Page 12

11.               ASSIGNMENTS

                  Any assignment by either Party to any non-affiliated entity of
                  any  right,  obligation  or  duty,  or of any  other  interest
                  hereunder,  in whole or in part,  without  the  prior  written
                  consent of the other Party  shall be void.  A Party may assign
                  this  Agreement  or  any  right,  obligation,  duty  or  other
                  interest  hereunder  to an  Affiliate  company  of  the  Party
                  without the consent of the other Party.  All  obligations  and
                  duties of any Party under this  Agreement  shall be binding on
                  all  successors  in interest  and  assigns of such  Party.  No
                  assignment or delegation  hereof shall relieve the assignor of
                  its  obligations  under this  Agreement  in the event that the
                  assignee fails to perform such obligations.

12.               RESOLUTION OF DISPUTES

                  Except as  otherwise  stated in this  Agreement,  the  Parties
                  agree that if any dispute arises as to the  interpretation  of
                  any   provision  of  this   Agreement  or  as  to  the  proper
                  implementation  of this  Agreement,  either Party may petition
                  the Commission for a resolution of the dispute.  However, each
                  Party reserves any rights it may have to seek judicial  review
                  of  any  ruling  made  by  the  Commission   concerning   this
                  Agreement.

13.               TAXES

13.1              Definition.  For purposes of this  Section,  the terms "taxes"
                  and "fees" shall include but not limited to federal,  state or
                  local sales,  use,  excise,  gross  receipts or other taxes or
                  tax-like  fees  of  whatever  nature  and  however  designated
                  (including  tariff  surcharges and any fees,  charges or other
                  payments,  contractual  or  otherwise,  for the use of  public
                  streets or rights of way, whether designated as franchise fees
                  or  otherwise)  imposed,  or sought to be imposed,  on or with
                  respect to the services furnished hereunder or measured by the
                  charges or payments  therefore,  excluding any taxes levied on
                  income.

13.2              Taxes and Fees Imposed  Directly On Either  Providing Party or
                  Purchasing Party.

13.2.1            Taxes and fees imposed on the providing  Party,  which are not
                  permitted or required to be passed on by the  providing  Party
                  to its  customer,  shall  be borne  and paid by the  providing
                  Party.

13.2.2            Taxes and fees imposed on the purchasing Party,  which are not
                  required to be  collected  and/or  remitted  by the  providing
                  Party, shall be borne and paid by the purchasing Party.

13.3              Taxes and Fees Imposed on  Purchasing  Party But Collected And
                  Remitted By Providing Party.
<PAGE>

                                           General Terms and Conditions - Part A
                                                                         Page 13

13.3.1            Taxes and fees imposed on the purchasing  Party shall be borne
                  by the  purchasing  Party,  even if the  obligation to collect
                  and/or  remit  such  taxes or fees is placed on the  providing
                  Party.

13.3.2            To the extent  permitted  by  applicable  law,  any such taxes
                  and/or  fees shall be shown as  separate  items on  applicable
                  billing  documents  between the Parties.  Notwithstanding  the
                  foregoing,  the  purchasing  Party shall remain liable for any
                  such taxes and fees  regardless  of whether  they are actually
                  billed by the providing  Party at the time that the respective
                  service is billed.

13.3.3            If the  purchasing  Party  determines  that in its opinion any
                  such taxes or fees are not payable,  the providing Party shall
                  not bill  such  taxes or fees to the  purchasing  Party if the
                  purchasing  Party provides written  certification,  reasonably
                  satisfactory to the providing Party, stating that it is exempt
                  or otherwise not subject to the tax or fee,  setting forth the
                  basis therefor,  and satisfying any other  requirements  under
                  applicable law. If any authority seeks to collect any such tax
                  or fee that the purchasing  Party has determined and certified
                  not to be payable,  or any such tax or fee that was not billed
                  by the providing  Party,  the purchasing Party may contest the
                  same in good faith,  at its own expense.  In any such contest,
                  the  purchasing  Party shall  promptly  furnish the  providing
                  Party with copies of all filings in any  proceeding,  protest,
                  or  legal   challenge,   all  rulings   issued  in  connection
                  therewith, and all correspondence between the purchasing Party
                  and the taxing authority.

13.3.4            In the event that all or any portion of an amount sought to be
                  collected  must be paid in order to contest the  imposition of
                  any such tax or fee,  or to avoid the  existence  of a lien on
                  the assets of the providing  Party during the pendency of such
                  contest,  the purchasing  Party shall be responsible  for such
                  payment  and shall be entitled to the benefit of any refund or
                  recovery.

13.3.5            If it is ultimately  determined that any additional  amount of
                  such a tax or fee  is  due  to  the  imposing  authority,  the
                  purchasing Party shall pay such additional  amount,  including
                  any interest and penalties thereon.

13.3.6            Notwithstanding any provision to the contrary,  the purchasing
                  Party shall  protect,  indemnify and hold harmless (and defend
                  at the purchasing  Party's  expense) the providing  Party from
                  and  against  any  such  tax or  fee,  interest  or  penalties
                  thereon,  or other  charges  or  payable  expenses  (including
                  reasonable  attorney  fees) with  respect  thereto,  which are
                  incurred by the providing  Party in connection  with any claim
                  for or contest of any such tax or fee.

13.3.7            Each  Party  shall  notify  the other  Party in writing of any
                  assessment,   proposed  assessment  or  other  claim  for  any
                  additional  amount of such a tax or fee by a taxing authority;
                  such notice to be  provided,  if  possible,  at least ten (10)
                  days
<PAGE>
                                           General Terms and Conditions - Part A
                                                                         Page 14

                  prior to the date by which a response, protest or other appeal
                  must be filed,  but in no event  later than  thirty  (30) days
                  after  receipt  of such  assessment,  proposed  assessment  or
                  claim.

13.4              Taxes and Fees  Imposed  on  Providing  Party But Passed On To
                  Purchasing Party.

13.4.1            Taxes  and fees  imposed  on the  providing  Party,  which are
                  permitted or required to be passed on by the  providing  Party
                  to its customer, shall be borne by the purchasing Party.

13.4.2            To the extent  permitted  by  applicable  law,  any such taxes
                  and/or  fees shall be shown as  separate  items on  applicable
                  billing  documents  between the Parties.  Notwithstanding  the
                  foregoing,  the  purchasing  Party shall remain liable for any
                  such taxes and fees  regardless  of whether  they are actually
                  billed by the providing  Party at the time that the respective
                  service is billed.

13.4.3            If the purchasing  Party disagrees with the providing  Party's
                  determination  as to the application or basis for any such tax
                  or  fee,  the  Parties  shall  consult  with  respect  to  the
                  imposition and billing of such tax or fee. Notwithstanding the
                  foregoing,   the   providing   Party  shall  retain   ultimate
                  responsibility for determining  whether and to what extent any
                  such taxes or fees are  applicable,  and the purchasing  Party
                  shall abide by such  determination  and pay such taxes or fees
                  to the  providing  Party.  The  providing  Party shall further
                  retain ultimate responsibility for determining whether and how
                  to contest the  imposition  of such taxes and fees;  provided,
                  however,  that any such contest  undertaken  at the request of
                  the  purchasing  Party  shall  be at  the  purchasing  Party's
                  expense.

13.4.4            In the event that all or any portion of an amount sought to be
                  collected  must be paid in order to contest the  imposition of
                  any such tax or fee,  or to avoid the  existence  of a lien on
                  the assets of the providing  Party during the pendency of such
                  contest,  the purchasing  Party shall be responsible  for such
                  payment  and shall be entitled to the benefit of any refund or
                  recovery.

13.4.5            If it is ultimately  determined that any additional  amount of
                  such a tax or fee  is  due  to  the  imposing  authority,  the
                  purchasing Party shall pay such additional  amount,  including
                  any interest and penalties thereon.

13.4.6            Notwithstanding any provision to the contrary,  the purchasing
                  Party shall protect indemnify and hold harmless (and defend at
                  the purchasing  Party's  expense) the providing Party from and
                  against any such tax or fee, interest or penalties thereon, or
                  other  reasonable  charges  or  payable  expenses   (including
                  reasonable  attorney  fees) with  respect  thereto,  which are
                  incurred by the providing  Party in connection  with any claim
                  for or contest of any such tax or fee.
<PAGE>

                                           General Terms and Conditions - Part A
                                                                         Page 15

13.4.7            Each  Party  shall  notify  the other  Party in writing of any
                  assessment,   proposed  assessment  or  other  claim  for  any
                  additional  amount of such a tax or fee by a taxing authority;
                  such notice to be  provided,  if  possible,  at least ten (10)
                  days prior to the date by which a  response,  protest or other
                  appeal  must be filed,  but in no event later than thirty (30)
                  days after receipt of such assessment,  proposed assessment or
                  claim.

13.5              Mutual  Cooperation.  In  any  contest  of a tax or fee by one
                  Party,  the other Party  shall  cooperate  fully by  providing
                  records,   testimony  and  such   additional   information  or
                  assistance  as may  reasonably  be  necessary  to  pursue  the
                  contest.  Further, the other Party shall be reimbursed for any
                  reasonable  and  necessary  out-of-pocket  copying  and travel
                  expenses incurred in assisting in such contest.

14.               FORCE MAJEURE

                  In the event performance of this Agreement,  or any obligation
                  hereunder,   is  either  directly  or  indirectly   prevented,
                  restricted,  or  interfered  with by  reason  of fire,  flood,
                  earthquake  or  like  acts  of God,  wars,  revolution,  civil
                  commotion,  explosion,  acts of public enemy, embargo, acts of
                  the government in its sovereign capacity,  labor difficulties,
                  including without limitation,  strikes, slowdowns,  picketing,
                  or boycotts,  unavailability of equipment from vendor, changes
                  requested by Customer,  or any other circumstances  beyond the
                  reasonable  control and without the fault or negligence of the
                  Party affected, the Party affected,  upon giving prompt notice
                  to the other Party,  shall be excused from such performance on
                  a  day-to-day   basis  to  the  extent  of  such   prevention,
                  restriction,  or  interference  (and  the  other  Party  shall
                  likewise be excused from  performance of its  obligations on a
                  day-to-day basis until the delay,  restriction or interference
                  has  ceased);  provided  however,  that the Party so  affected
                  shall use  diligent  efforts to avoid or remove such causes of
                  non-performance  and both Parties shall proceed  whenever such
                  causes are removed or cease.

15.               YEAR 2000 COMPLIANCE

                  Each Party warrants that it has implemented a program the goal
                  of which is to ensure that all software,  hardware and related
                  materials (collectively called "Systems") delivered, connected
                  with BellSouth or supplied in the furtherance of the terms and
                  conditions  specified  in this  Agreement:  (i)  will  record,
                  store,  process and display calendar dates falling on or after
                  January  1,  2000,  in the  same  manner,  and  with  the same
                  functionality as such software records,  stores, processes and
                  calendar  dates  falling on or before  December 31, 1999;  and
                  (ii)  shall  include  without  limitation  date  data  century
                  recognition,  calculations  that  accommodate same century and
                  multicentury formulas and date values, and date data interface
                  values that reflect the century.
<PAGE>

                                           General Terms and Conditions - Part A
                                                                         Page 16

16.               MODIFICATION OF AGREEMENT

16.1              BellSouth shall make available, pursuant to 47 USC ss. 252 and
                  the FCC rules and regulations regarding such availability,  to
                  Access One any  interconnection,  service,  or network element
                  provided under any other agreement filed and approved pursuant
                  to 47 USC ss. 252.  The Parties  shall adopt all rates,  terms
                  and conditions concerning such other interconnection,  service
                  or network  element and any other rates,  terms and conditions
                  that are interrelated or were negotiated in exchange for or in
                  conjunction  with  the  interconnection,  service  or  network
                  element being adopted. The adopted  interconnection,  service,
                  or  network  element  and  agreement  shall  apply to the same
                  states as such other  agreement and for the identical  term of
                  such other agreement.

16.2              If Access One changes its name or makes changes to its company
                  structure or identity due to a merger,  acquisition,  transfer
                  or any other reason, it is the responsibility of Access One to
                  notify  BellSouth of said change and request that an amendment
                  to this Agreement,  if necessary,  be executed to reflect said
                  change.

16.3              No  modification,  amendment,  supplement to, or waiver of the
                  Agreement  or any of its  provisions  shall be  effective  and
                  binding upon the Parties unless it is made in writing and duly
                  signed by the Parties.

16.4              Execution  of this  Agreement by either Party does not confirm
                  or infer that the executing  Party agrees with any decision(s)
                  issued pursuant to the  Telecommunications Act of 1996 and the
                  consequences of those  decisions on specific  language in this
                  Agreement.  Neither  Party  waives  its  rights  to  appeal or
                  otherwise  challenge  any  such  decision(s)  and  each  Party
                  reserves  all of its rights to pursue any and all legal and/or
                  equitable remedies, including appeals of any such decision(s).

16.5              In the  event  that  any  effective  legislative,  regulatory,
                  judicial or other legal action materially affects any material
                  terms of this  Agreement,  or the  ability  of  Access  One or
                  BellSouth  to perform any  material  terms of this  Agreement,
                  Access One or  BellSouth  may,  on thirty  (30) days'  written
                  notice  require  that  such  terms  be  renegotiated,  and the
                  Parties  shall   renegotiate   in  good  faith  such  mutually
                  acceptable  new terms as may be  required.  In the event  that
                  such new terms are not  renegotiated  within  ninety (90) days
                  after  such  notice,  the  Dispute  shall be  referred  to the
                  Dispute Resolution procedure set forth in Section 12.

16.6              If any provision of this Agreement, or the application of such
                  provision  to  either  Party  or  circumstance,  shall be held
                  invalid, the remainder of the Agreement, or the application of
                  any such provision to the Parties or circumstances  other than
                  those to  which it is held  invalid,  shall  not be  effective
                  thereby,   provided   that  the  Parties   shall   attempt  to
                  reformulate  such  invalid  provision  to give  effect to such
                  portions thereof as may be valid without  defeating the intent
                  of such provision.
<PAGE>

                                           General Terms and Conditions - Part A
                                                                         Page 17

17.               WAIVERS

                  A  failure  or delay of  either  Party to  enforce  any of the
                  provisions  hereof,  to  exercise  any option  which is herein
                  provided,  or to require  performance of any of the provisions
                  hereof  shall in no way be  construed  to be a waiver  of such
                  provisions or options,  and each Party,  notwithstanding  such
                  failure,  shall have the right  thereafter  to insist upon the
                  specific  performance of any and all of the provisions of this
                  Agreement.

18.               GOVERNING LAW

                  This  Agreement  shall  be  governed  by,  and  construed  and
                  enforced in accordance with, the laws of the State of Georgia,
                  without regard to its conflict of laws principles.

19.               ARM'S LENGTH NEGOTIATIONS

                  This  Agreement was executed  after arm's length  negotiations
                  between the undersigned Parties and reflects the conclusion of
                  the  undersigned  that this Agreement is in the best interests
                  of all Parties.

20.               NOTICES

20.1              Every  notice,  consent,  approval,  or  other  communications
                  required or contemplated by this Agreement shall be in writing
                  and shall be delivered  in person or given by postage  prepaid
                  mail, address to:

                           BELLSOUTH TELECOMMUNICATIONS, INC.

                           CLEC Account Team
                           9th Floor
                           600 North 19th Street
                           Birmingham, Alabama 35203

                           and

                           General Attorney - COU
                           Suite 4300
                           675 W. Peachtree St.
                           Atlanta, GA 30375

                           ACCESS ONE COMMUNICATIONS

                           Ken Baritz
                           3427 NW 55th Street
                           Fort Lauderdale, FL 33309
<PAGE>

                                           General Terms and Conditions - Part A
                                                                         Page 18

                  or at such other address as the intended recipient  previously
                  shall have designated by written notice to the other Party.

20.2              Where specifically required,  notices shall be by certified or
                  registered mail. Unless otherwise  provided in this Agreement,
                  notice by mail shall be effective on the date it is officially
                  recorded as delivered by return receipt or equivalent,  and in
                  the absence of such record of  delivery,  it shall be presumed
                  to have been  delivered  the fifth day, or next  business  day
                  after the fifth day, after it was deposited in the mails.

20.3              BellSouth shall provide Access One notice via Internet posting
                  of price changes and of changes to the terms and conditions of
                  services available for resale.

21.               RULE OF CONSTRUCTION

                  No rule of construction  requiring  interpretation against the
                  drafting  Party  hereof shall apply in the  interpretation  of
                  this Agreement.

22.               HEADINGS OF NO FORCE OR EFFECT

                  The headings of Articles and  Sections of this  Agreement  are
                  for convenience of reference only, and shall in no way define,
                  modify or restrict the meaning or  interpretation of the terms
                  or provisions of this Agreement.

23.               MULTIPLE COUNTERPARTS

                  This Agreement may be executed multiple counterparts,  each of
                  which  shall be deemed  an  original,  but all of which  shall
                  together constitute but one and the same document.

24.               IMPLEMENTATION OF AGREEMENT

                  If Access One is a facilities  based  provider or a facilities
                  based and resale provider, this section shall apply. Within 60
                  days of the  execution  of this  Agreement,  the Parties  will
                  adopt a schedule for the implementation of the Agreement.  The
                  schedule  shall  state  with   specificity   time  frames  for
                  submission  of including but not limited to,  network  design,
                  interconnection  points,   collocation  arrangement  requests,
                  pre-sales  testing  and full  operational  time frames for the
                  business and residential  markets. An implementation  template
                  to be used for the  implementation  schedule is  contained  in
                  Attachment 10 of this Agreement.
<PAGE>

                                           General Terms and Conditions - Part A
                                                                         Page 19

25.               FILING OF AGREEMENT

                  Upon  execution  of this  Agreement it shall be filed with the
                  appropriate   state   regulatory   agency   pursuant   to  the
                  requirements  of  Section  252 of the Act.  If the  regulatory
                  agency  imposes  any  filing or public  interest  notice  fees
                  regarding the filing or approval of the Agreement,  Access One
                  shall be responsible  for  publishing the required  notice and
                  the  publication  and/or notice costs shall be borne by Access
                  One.

26.               ENTIRE AGREEMENT

                  This  Agreement and its  Attachments,  incorporated  herein by
                  this  reference,  sets  forth  the  entire  understanding  and
                  supersedes  prior  Agreements  between the Parties relating to
                  the  subject  matter  contained  herein  and  merges all prior
                  discussions  between them, and neither Party shall be bound by
                  any   definition,   condition,   provision,    representation,
                  warranty,  covenant or promise other than as expressly  stated
                  in this Agreement or as is  contemporaneously  or subsequently
                  set forth in writing and executed by a duly authorized officer
                  or representative of the Party to be bound thereby.

                  THIS AGREEMENT MAY INCLUDE ATTACHMENTS WITH PROVISIONS FOR THE
                  FOLLOWING SERVICES:

                  Network Elements  and Other Services
                  Local Interconnection
                  Resale
                  Collocation

                  THE FOLLOWING SERVICES ARE INCLUDED AS OPTIONS FOR PURCHASE BY
                  ACCESS ONE.  ACCESS ONE SHALL  ELECT SAID  SERVICES BY WRITTEN
                  REQUEST TO ITS ACCOUNT MANAGER IF APPLICABLE.
                  Optional Daily Usage File (ODUF)
                  Enhanced Optional Daily Usage File (EODUF)
                  Access Daily Usage File (ADUF)
                  Line Information Database (LIDB) Storage
                  Centralized Message Distribution Service (CMDS)
                  Calling Name (CNAM)
<PAGE>

                                           General Terms and Conditions - Part A
                                                                         Page 20

IN WITNESS  WHEREOF,  the Parties have executed this  Agreement the day and year
above first written.

BELLSOUTH TELECOMMUNICATIONS, INC.           THE OTHER PHONE COMPANY, INC. D/B/A
                                             ACCESS ONE COMMUNICATIONS, INC.

     /s/ JERRY HENDRIX                               /s/ KENNETH BARITZ
---------------------------------------      -----------------------------------
           Signature                                       Signature

        Jerry D. Hendrix                                   Ken Baritz
---------------------------------------      -----------------------------------
             Name                                            Name

Sr. Director - Interconnection Services                      CEO
---------------------------------------      ----------------------------------
             Title                                          Title

          March 6, 2000                                February 17, 2000
---------------------------------------      ----------------------------------
              Date                                           Date

<PAGE>

                                           General Terms and Conditions - Part B
                                                                         Page 21

                                   DEFINITIONS

AFFILIATE is defined as a person that (directly or indirectly) owns or controls,
is owned or controlled by, or is under common ownership or control with, another
person.  For purposes of this  paragraph,  the term "own" means to own an equity
interest (or equivalent thereof) of more than 10 percent.

CENTRALIZED  MESSAGE  DISTRIBUTION  SYSTEM is the Telcordia  (formerly BellCore)
administered  national system, based in Kansas City, Missouri,  used to exchange
Exchange Message Interface (EMI) formatted data among host companies.

COMMISSION  is  defined  as  the  appropriate   regulatory  agency  in  each  of
BellSouth's nine state region, Alabama, Florida, Georgia,  Kentucky,  Louisiana,
Mississippi, North Carolina, South Carolina, and Tennessee.

DAILY  USAGE  FILE is the  compilation  of  messages  or copies of  messages  in
standard  Exchange Message  Interface (EMI) format exchanged from BellSouth to a
CLEC.

EXCHANGE MESSAGE  INTERFACE is the nationally  administered  standard format for
the exchange of data among the Exchange  Carriers within the  telecommunications
industry.

INFORMATION   SERVICE  means  the  offering  of  a  capability  for  generating,
acquiring, storing, transforming,  processing,  retrieving, utilizing, or making
available   information   via   telecommunications,   and  includes   electronic
publishing,  but  does  not  include  any  use of any  such  capability  for the
management,  control,  or  operation  of  a  telecommunications  system  or  the
management of a telecommunications service.

INTERCOMPANY  SETTLEMENTS (ICS) is the revenue associated with charges billed by
a company  other  than the  company  in whose  service  area such  charges  were
incurred.  ICS on a national  level  includes third number and credit card calls
and is administered by Telcordia  (formerly  BellCore)'s  Calling Card and Third
Number  Settlement  System  (CATS).  Included is traffic that  originates in one
Regional Bell Operating  Company's  (RBOC) territory and bills in another RBOC's
territory.

INTERMEDIARY  FUNCTION is defined as the  delivery of traffic from Access One; a
CLEC other than  Access One or another  telecommunications  carrier  through the
network of  BellSouth  or Access One to an end user of Access  One; a CLEC other
than Access One or another telecommunications carrier.

LOCAL  INTERCONNECTION  is defined  as 1) the  delivery  of local  traffic to be
terminated  on each Party's local network so that end users of either Party have
the ability to reach end users of the other Party  without the use of any access
code or  substantial  delay in the  processing  of the call;  2) the LEC network
features,  functions,  and  capabilities  set  forth in this  Agreement;  and 3)

<PAGE>

                                           General Terms and Conditions - Part B
                                                                         Page 22

Service Provider Number Portability sometimes referred to as temporary telephone
number portability to be implemented pursuant to the terms of this Agreement.

LOCAL TRAFFIC is defined as any telephone  call that  originates in one exchange
and  terminates  in  either  the same  exchange,  or other  local  calling  area
associated with the originating  exchange as defined and specified in Section A3
of BellSouth's  General  Subscriber  Service Tariff.  As  clarification  of this
definition  and for reciprocal  transport and  termination  compensation,  Local
Traffic  does not  include  traffic  that  originates  from or is directed to or
through an enhanced service provider or information service provider. As further
clarification,  Local  Traffic  does  not  include  calls  that do not  transmit
information  of the  user's  choosing.  In any  event,  neither  Party  will pay
reciprocal  compensation  to the other if the "traffic" to which such reciprocal
compensation  would otherwise apply was generated,  in whole or in part, for the
purpose of creating an obligation on the part of the originating  carrier to pay
reciprocal compensation for such traffic.

MESSAGE DISTRIBUTION is routing determination and subsequent delivery of message
data from one company to another.  Also included is the interface  function with
CMDS, where appropriate.

MULTIPLE  EXCHANGE CARRIER ACCESS BILLING  ("MECAB") means the document prepared
by the Billing  Committee  of the  Ordering  and Billing  Forum  ("OBF:),  which
functions  under the auspices of the Carrier  Liaison  Committee of the Alliance
for  Telecommunications  Industry Solutions ("ATIS") and by Telcordia  (formerly
BellCore) as Special Report SR-BDS-000983, Containing the recommended guidelines
for the billing of Exchange  Service access  provided by two or more LECs and/or
CLECs or by one LEC in two or more states within a single LATA.

NETWORK ELEMENT is defined to mean a facility or equipment used in the provision
of a telecommunications  service.  Such term may include, but is not limited to,
features,  functions,  and  capabilities  that  are  provided  by  means of such
facility  or  equipment,  including  but not  limited  to,  subscriber  numbers,
databases,  signaling  systems,  and  information  sufficient  for  billing  and
collection  or  used in the  transmission,  routing,  or  other  provision  of a
telecommunications  service.  BellSouth  offers access to the Network  Elements,
unbundled loops; network interface device;  sub-loop elements;  local switching;
transport; tandem switching; operator systems; signaling; access to call-related
databases; dark fiber as set forth in Attachment 2 of this Agreement.

NON-INTERCOMPANY  SETTLEMENT SYSTEM (NICS) is the Telcordia  (formerly BellCore)
system that calculates non-intercompany settlements amounts due from one company
to another within the same RBOC region.  It includes  credit card,  third number
and collect messages.

PERCENT  OF  INTERSTATE  USAGE  (PIU) is  defined  as a factor to be  applied to
terminating  access services  minutes of use to obtain those minutes that should
be rated as interstate  access services  minutes of use. The numerator  includes
all interstate  "non-intermediary"  minutes of use, including interstate minutes
of use that are forwarded due to service  provider number  portability  less any
interstate  minutes  of use for  Terminating  Party Pays  services,  such as 800
Services. The denominator includes all  "non-intermediary",  local,  interstate,
intrastate,  toll and access

<PAGE>

                                           General Terms and Conditions - Part B
                                                                         Page 23

minutes of use adjusted for service provider number portability less all minutes
attributable to terminating Party pays services.

PERCENT  LOCAL  USAGE  (PLU) is defined as a factor to be applied to  intrastate
terminating  minutes of use. The numerator shall include all  "non-intermediary"
local minutes of use adjusted for those minutes of use that only apply local due
to Service Provider Number Portability.  The denominator is the total intrastate
minutes of use  including  local,  intrastate  toll,  and access,  adjusted  for
Service  Provider  Number  Portability  less intrastate  terminating  Party pays
minutes of use.

REVENUE   ACCOUNTING   OFFICE   (RAO)  STATUS   COMPANY  is  a  local   exchange
company/alternate  local  exchange  company that has been  assigned a unique RAO
code. Message data exchanged among RAO status companies is grouped (i.e. packed)
according to From/To/Bill RAO combinations.

SERVICE CONTROL POINTS ("SCPs") are defined as databases that store  information
and have the ability to manipulate data required to offer particular services.

SIGNAL TRANSFER POINTS ("STPs") are signaling message switches that interconnect
Signaling Links to route signaling messages between switches and databases. STPs
enable the exchange of Signaling  System 7 ("SS7")  messages  between  switching
elements,  database  elements and STPs. STPs provide access to various BellSouth
and third party network elements such as local switching and databases.

SIGNALING LINKS are dedicated  transmission  paths carrying  signaling  messages
between carrier switches and signaling networks.  Signal Link Transport is a set
of two  or  four  dedicated  56  kbps  transmission  paths  between  Access  One
designated   Signaling  Points  of   Interconnection   that  provide  a  diverse
transmission path and cross connect to a BellSouth Signal Transfer Point.

TELECOMMUNICATIONS means the transmission,  between or among points specified by
the user, of information of the user's  choosing,  without change in the form or
content of the information as sent and received.

TELECOMMUNICATIONS  SERVICE means the offering of  telecommunications  for a fee
directly  to the  public,  or to such  classes  of  users  as to be  effectively
available directly to the public, regardless of the facilities used.

TELECOMMUNICATIONS  ACT OF 1996  ("ACT")  means Public Law 104-104 of the United
States Congress  effective  February 8, 1996. The Act amended the Communications
Act of 1934 (47, U.S.C. Section 1 et. seq.).EXHIBIT 10.48

                          AGREEMENT AND PLAN OF MERGER

                             DATED OCTOBER 15, 1999

                                      AMONG

                         ACCESS ONE COMMUNICATIONS CORP.

                           OMNICALL ACQUISITION CORP.,

                                       AND

                                 OMNICALL, INC.

<PAGE>

                                                  TABLE OF CONTENTS

<TABLE>
<S>                  <C>                                                                                                  <C>
ARTICLE I            DEFINITIONS AND CONSTRUCTION .......................................................................   1
              1.1    Definitions ........................................................................................   1
              1.2    Construction .......................................................................................   6

ARTICLE II           THE MERGER .........................................................................................   6
              2.1    The Merger .........................................................................................   6
              2.2    Common Stock of Newco to Become Common Stock of Surviving Corp. ....................................   7
              2.3    Conversion or Cancellation of Capital Stock of OmniCall ............................................   7
              2.4    Issuance of Merger Consideration ...................................................................   8
              2.5    Stock Transfer Books ...............................................................................   8
              2.6    Tax-Free Reorganization ............................................................................   8
              2.7    Dealer Stock Deferral ..............................................................................   8
              2.8    OmniCall Employee Options ..........................................................................   8
              2.9    Earn Out Payment; Determination and Payment; Timing ................................................   9

ARTICLE III          REPRESENTATIONS AND WARRANTIES OF OMNICALL AND THE PRINCIPAL SHAREHOLDERS ..........................  10
              3.1    Corporation Organization ...........................................................................  10
              3.2    Capitalization .....................................................................................  10
              3.3    Subsidiaries .......................................................................................  11
              3.4    No Commitments to Issue Capital Stock ..............................................................  11
              3.5    Authorization; Execution and Delivery ..............................................................  11
              3.6    Governmental Approvals and Filings .................................................................  12
              3.7    No Conflict ........................................................................................  12
              3.8    Financial Statements; Absence of Undisclosed Liabilities; Receivables; Supplies ....................  12
              3.9    Absence of Changes .................................................................................  13
              3.10   Tax Matters ........................................................................................  15
              3.11   Relations with Employees and Sales Agents; Benefit Plans ...........................................  16
              3.12   Properties .........................................................................................  17
              3.13   Compliance with Laws; Legal Proceedings ............................................................  17
              3.14   Brokers ............................................................................................  18
              3.15   Patents, Trademarks and Names ......................................................................  18
              3.16   Insurance ..........................................................................................  18
              3.17   Contracts, Etc .....................................................................................  19
              3.18   Permits, Authorizations, Etc .......................................................................  20
              3.19   Environmental Matters ..............................................................................  21
              3.20   OmniCall Acquisitions ..............................................................................  22
              3.21   Books and Records ..................................................................................  22
              3.22   Accuracy of Information ............................................................................  22
              3.23   Year 2000 Compliance ...............................................................................  22
</TABLE>

                                      -i-

<PAGE>

<TABLE>
<S>                  <C>                                                                                                  <C>
ARTICLE IV           REPRESENTATIONS AND WARRANTIES OF ACCESS ONE, NEWCO, AND BARITZ ....................................  23
              4.1    Corporate Organization .............................................................................  23
              4.2    Authorization; Execution and Delivery ..............................................................  23
              4.3    Governmental Approvals and Filings .................................................................  23
              4.4    No Conflict ........................................................................................  23
              4.5    Brokers ............................................................................................  24
              4.6    Access One Common Stock ............................................................................  24
              4.7    Financial Statements; Absence of Undisclosed Liabilities; Receivables; Supplies ....................  24
              4.8    Tax Matters ........................................................................................  25
              4.9    Compliance with Laws; Legal Proceedings ............................................................  25
              4.10   Absence of Certain Changes .........................................................................  26
              4.11   Capitalization .....................................................................................  28
              4.12   Subsidiaries .......................................................................................  29
              4.13   No Commitments to Issue Capital Stock ..............................................................  29
              4.14   Relations With Employees and Sales Agents; Benefit Plans ...........................................  29
              4.15   Environmental Matters ..............................................................................  31
              4.16   Access One Information .............................................................................  31
              4.17   Year 2000 Compliance ...............................................................................  31
              4.18   Books and Records ..................................................................................  31
              4.19   Accuracy of Information ............................................................................  31
              4.20   Acknowledgment .....................................................................................  32
              4.21   Financial Arrangements .............................................................................  32

ARTICLE V            COVENANTS OF OMNICALL ..............................................................................  32
              5.1    Regular Course of Business .........................................................................  32
              5.2    Restricted Activities and Transactions .............................................................  32
              5.3    Consents, Approvals and Filings ....................................................................  34
              5.4    Access to Records and Properties ...................................................................  34

ARTICLE VI           COVENANTS OF ACCESS ONE ............................................................................  34
              6.1    Consents, Approvals and Filings ....................................................................  34
              6.2    Access to Records and Properties ...................................................................  34
              6.3    Board of Directors .................................................................................  35
              6.4    Regular Course of Business .........................................................................  35
              6.5    Funding and Reimbursement Obligations After August 25, 1999 ........................................  35
              6.6    Payment of OmniCall Debt ...........................................................................  35
              6.7    Restricted Activities and Transactions .............................................................  36
</TABLE>

                                      -ii-

<PAGE>

<TABLE>
<S>                  <C>                                                                                                  <C>
ARTICLE VII          MUTUAL COVENANTS ...................................................................................  37
              7.1    Expenses ...........................................................................................  37
              7.2    Confidentiality; Public Announcements ..............................................................  37
              7.3    Further Assurances .................................................................................  38
              7.4    Preparation of Required Filings ....................................................................  38
              7.5    Representations To Remain Accurate .................................................................  38
              7.6    Best Efforts .......................................................................................  38

ARTICLE VIII         CONDITIONS TO OBLIGATIONS OF ACCESS ONE, NEWCO, AND BARITZ .........................................  38
              8.1    Representations and Warranties .....................................................................  39
              8.2    Performance of Covenants ...........................................................................  39
              8.3    Update Certificate .................................................................................  39
              8.4    No Governmental or Other Proceeding or Litigation ..................................................  39
              8.5    Approvals and Consents .............................................................................  39
              8.6    Opinion of Counsel .................................................................................  39
              8.7    Shareholder Approval ...............................................................................  40
              8.8    Material Adverse Change ............................................................................  40

ARTICLE IX           CONDITIONS TO OMNICALL'S AND THE PRINCIPAL SHAREHOLDERS' OBLIGATIONS ...............................  40
              9.1    Representations and Warranties .....................................................................  40
              9.2    Performance of Covenants ...........................................................................  40
              9.3    Update Certificate .................................................................................  40
              9.4    No Governmental of Other Proceeding or Litigation ..................................................  40
              9.5    Approvals and Consents .............................................................................  40
              9.6    Opinion of Counsel .................................................................................  40
              9.7    Shareholder Approval ...............................................................................  41
              9.8    Material Adverse Change ............................................................................  41

ARTICLE X            CLOSING; CLOSING DATE ..............................................................................  41

ARTICLE XI           TERMINATION ........................................................................................  41

ARTICLE XII          INDEMNIFICATION ....................................................................................  42
             12.1    Survival of Representations ........................................................................  42
             12.2    Indemnification of Access One and Newco by OmniCall and Principal Shareholders .....................  42
             12.3    Access One's, Baritz's and Newco's Indemnification of OmniCall and the Principal Shareholders ......  42
             12.4    Certain Limitations on Indemnification .............................................................  43

ARTICLE XIII         MISCELLANEOUS PROVISIONS ...........................................................................  43
             13.1    Entirety of Agreement ..............................................................................  43
             13.2    Notices ............................................................................................  43
</TABLE>

                                     -iii-

<PAGE>

<TABLE>
<S>                  <C>                                                                                                  <C>
             13.3    Amendment ..........................................................................................  44
             13.4    Non-Waiver .........................................................................................  44
             13.5    Counterparts .......................................................................................  44
             13.6    Assignment; Binding Nature; No Beneficiaries .......................................................  44
             13.7    Headings ...........................................................................................  44
             13.8    Governing Law; Consent to Jurisdiction .............................................................  44
             13.9    Specific Performance ...............................................................................  45
             13.10   Severability .......................................................................................  45
             13.11   No Shop Restriction ................................................................................  46
</TABLE>

                                      -iv-

<PAGE>

                          AGREEMENT AND PLAN OF MERGER

         AGREEMENT  AND PLAN OF MERGER  (this  "Agreement"),  dated  October 15,
1999,  among  Access  One  Communications  Corp.  ("Access  One"),  a New Jersey
corporation;  Ken Baritz,  a  principal  shareholder  of Access One  ("Baritz");
OmniCall  Acquisition Corp.  ("Newco"),  a Florida corporation;  OmniCall,  Inc.
("OmniCall"),  a South Carolina corporation;  and the OmniCall shareholders (the
"Principal Shareholders") listed on the signature pages of this Agreement.

         WHEREAS, the Boards of Directors of Access One and OmniCall, deeming it
advisable and for the respective benefit of Access One, Newco, and OmniCall, and
their shareholders,  have approved and adopted the merger of Newco with and into
OmniCall on the terms and conditions  hereinafter set forth (the "Merger"),  and
have  approved  and adopted  this  Agreement  and  authorized  the  transactions
contemplated hereby; and

         WHEREAS,  the Board of Directors of OmniCall has  recommended to all of
OmniCall's  shareholders (the "OmniCall  Shareholders") that the Merger and this
Agreement be approved and adopted; and

         WHEREAS,  Access  One,  Newco,  and  OmniCall  desire  to make  certain
representations,  warranties,  and agreements in connection  with, and establish
various conditions precedent to, the Merger; and

         NOW, THEREFORE,  in consideration of the mutual covenants,  agreements,
representations  and  warranties  herein  contained and subject to the terms and
conditions herein set forth, the parties hereto hereby agree as follows:

                                    ARTICLE I
                          DEFINITIONS AND CONSTRUCTION

         SECTION 1.1 Definitions. The following terms shall have the definitions
indicated:

         Access One. A corporation  organized and existing under the laws of New
Jersey;

         Access One Common Stock.  The common stock, par value $0.001 per share,
of Access One;

         Affiliated  Person means with  respect to OmniCall,  any (i) officer or
director of OmniCall;  (ii) any OmniCall Shareholder that owns, or has the right
to acquire,  more than five  percent  (5%) of OmniCall  Common  Stock on a fully
diluted basis; (iii) Person that, directly or indirectly, alone or together with
others,  controls,  is controlled by or is under common  control with  OmniCall;
(iv) Person that,  directly or  indirectly,  alone or together  with others,  is
controlled  by or under common  control with any officer or director of OmniCall
or any Principal  Shareholder or (v) Teleco,  Inc.;  With respect to Access One,
Affiliated  Person means any (i) officer or director of Access One;  (ii) Person
that,  directly or  indirectly,  alone or together  with  others,  controls,  is
controlled by, or is under

                                       1

<PAGE>

common  control with Access One; or (iii) Person that,  directly or  indirectly,
alone or together with others,  is controlled  by, or under common  control with
any officer or director of Access One;

         Agreement.  This    Agreement  and  Plan   of   Merger,  including  all
schedules, appendices and exhibits attached hereto;

         Applicable  Benefits Law refers to the legal requirements  imposed upon
employee benefit plans by the United States or any political subdivision thereof
(including  any  requirements  enforced by the  Internal  Revenue  Service  with
respect to employee benefit plans intended to confer tax benefits on OmniCall or
its employees);

         Articles  of Merger.  The  Articles  of Merger to be executed by Access
One, Newco,  and OmniCall in a form appropriate for filing with the Secretary of
State of New Jersey,  Florida, and South Carolina, and relating to the effective
consummation of the Merger as contemplated by the Plan of Merger.

         Closing;  Closing Date.  The terms  "Closing" and "Closing  Date" shall
have the meanings ascribed to them in Article X hereof;

         Code. The Internal Revenue Code of 1986, as amended,  including, if the
context permits, the applicable regulations promulgated pursuant thereto;

         Confidential  Information.  The term  "Confidential  Information" shall
mean all  information of any kind concerning a party hereto that is furnished by
such  party or on its  behalf  pursuant  to this  Agreement  as a result  of the
transactions contemplated herein, and the discussions leading to this Agreement,
except  information  (i)  ascertainable  or obtained  from  public or  published
information,  (ii)  received  from a third party not known to the  recipient  of
Confidential  Information  to be under an  obligation  to keep such  information
confidential,  (iii) which is or becomes known to the public (other than through
a breach of this Agreement), (iv) of which the recipient was in possession prior
to  disclosure  thereof  in  connection  with  the  Merger,  or  (v)  which  was
independently  developed by the  recipient  without the benefit of  Confidential
Information;

         Derivative  Contract.  Any  exchange-traded or  over-the-counter  swap,
forward,  future,  option,  cap, floor or collar financial contract or any other
contract  not  included  on a  balance  sheet  which  is a  derivative  contract
(including various combinations thereof);

         Effective Time. The date and time which the Merger becomes effective as
set forth in the Articles of Merger. Subject to the terms and conditions hereof,
the  Effective  Time shall be such time on such date as Access One shall  notify
OmniCall in writing not less than five (5) days prior thereto,  which date shall
not be more than thirty (30) days after all  conditions  have been  satisfied or
waived in writing;

         Employee  Benefit  Plan shall  mean  executive  compensation,  deferred
compensation,  stock ownership,  stock purchase, stock option, restricted stock,
performance  share,  bonus and other

                                       2
<PAGE>

incentive plans, pension,  profit sharing,  savings, thrift or retirement plans,
employee stock  ownership  plans,  life,  health,  dental and disability  plans,
vacation,  severance  pay,  sick leave,  dependent  care,  cafeteria and tuition
reimbursement  plans, and any other "employee  benefit plans" within the meaning
of the ERISA,  whether or not in writing,  currently  maintained  by OmniCall or
Access  One or with  respect  to  which  OmniCall  or  Access  One may  have any
liability or  obligation  (direct,  indirect,  contingent  or  otherwise) to any
employee,  former  employee,  director or former  director (or any dependents or
beneficiaries) of OmniCall or Access One or to any governmental entity;

         ERISA. The Employee Retirement Income Security Act of 1974, as amended;

         Equity  Participation Plan. The Equity  Participation  arrangements (or
whatever  form and type) that  OmniCall  has in place with its dealers and other
Affiliated Persons;

         Equity  Participations.  The rights to receive  equity under the Equity
Participation Plan;

         FBCA.  The Florida Business Corporation Act of 1989, as amended;

         GAAP. Generally accepted accounting principles consistently applied;

         IRS. The Internal Revenue Service;

         Knowledge.  When used in the  phrase  "to the  knowledge"  or a similar
phrase,  shall  mean the  actual  knowledge  of the  executive  officers  of the
referenced  party or parties,  as applicable,  after  reasonable  inquiry of the
other  executive  officers  and the  directors  of the  parties  and the Persons
responsible for the day-to-day  operations of the parties or their  subsidiaries
(although  this  definition  shall not give rise to any duty of any  independent
verification  or  confirmation  by  members  of  senior  management  or board of
directors  of the  entity  making  the  representation  or  warranty  from other
Persons);

         Lien. Any lien,  claim,  encumbrance,  security  interest,  assessment,
charge,  restriction  (including  restriction  on  voting  rights  or  rights of
disposition),  mortgage,  deed of trust,  equity of any  character,  third party
right of whatever nature or other similar or like charge;

          Material Adverse Event;  Material  Adverse Effect.  This shall mean an
event, effect,  occurrence or circumstance which, alone or when taken with other
breaches,  events,  effects,  occurrences or circumstances existing concurrently
therewith  (including  without  limitation,  any breach of a  representation  or
warranty  contained  herein by such party) (i) has or is reasonably  expected to
have a material adverse effect on the properties,  financial condition,  results
of  operations,  or business of such party and its  subsidiaries,  or (ii) would
materially prevent such party's, or any affiliated  party's,  ability to perform
its  obligations  under  this  Agreement  or  the  consummation  of  any  of the
transactions contemplated hereby; provided, however, that in determining whether
a Material Adverse Effect or Material Adverse Event has occurred, there shall be
excluded  any effect the cause of which is (a) any  change in  banking,  tax and
similar laws of

                                       3
<PAGE>

general  applicability  or  interpretations  thereof  by courts or  governmental
authorities,  (b)  any  change  in GAAP or  regulatory  accounting  requirements
applicable  to the  parties  hereto,  (c) any action or  omission of OmniCall or
Access  One or a  subsidiary  thereof  taken with the prior  written  consent of
Access One or OmniCall,  as  applicable,  in  contemplation  of the  transaction
contemplated  herein, (d) any changes in general economic  conditions  affecting
financial  institutions  generally,  including  but not  limited  to  changes in
interest rates.

         Merger. The merger described in Section 2.1 hereof;

         Newco.  OmniCall Acquisition  Corporation,  a Florida corporation and a
wholly-owned subsidiary of Access One;

         NJBCA. The New Jersey Business Corporate Act of 1983, as amended;

         OmniCall.  OmniCall,  Inc., a corporation  organized and existing under
the laws of the State of South Carolina;

         OmniCall  Benefit  Plans.  All Benefit  Plans,  and all other  material
fringe  benefit plans or programs,  sponsored or maintained by OmniCall or under
which OmniCall may be obligated;

         OmniCall  Common Stock.  The common stock,  no par value per share,  of
OmniCall;

         OmniCall Debt.  OmniCall Debt shall mean all indebtedness,  obligations
or other  liabilities  of OmniCall (i) for  borrowed  money or evidenced by debt
securities,  notes or other similar  instruments,  including any money  borrowed
pursuant  to any credit  facility  and any  accrued  interest,  fees and charges
relating  thereto;  (ii) with respect to letters of credit issued for OmniCall's
account;  (iii) with respect to lease obligations,  including but not limited to
those  leases  where  Teleco  acted as lessee for  equipment  currently  used by
OmniCall;  (iv) to pay the deferred purchase price of property or services;  (v)
secured by a Lien on any  property of  OmniCall;  or (vi) that  certain  line of
credit in the original amount of Two Million Dollars ($2,000,000.00) in the name
of William M. Rogers at  SouthTrust  Bank,  N.A.,  which has been  utilized  for
OmniCall's benefit,  including any accrued interests thereon.  The OmniCall Debt
shall be set forth on Schedule 1.1;

         OmniCall Shareholders.  The Shareholders of OmniCall existing as of the
date of Closing and as identified on Schedule 3.2(c);

         OmniCall  Shareholder  Approvals.  This term shall mean the approval by
the requisite vote of the shareholders of OmniCall at the OmniCall Shareholders'
Meeting, all in accordance with this Agreement and the Plan of Merger;

         OmniCall Shareholders' Meeting. The meeting of OmniCall shareholders at
which the Merger will be voted upon;

                                       4
<PAGE>

         Person. An individual, a partnership, a corporation, a commercial bank,
an industrial bank, a savings  association,  a savings bank, a limited liability
company,  an  association,  a joint stock company,  a trust, a business trust, a
joint venture,  an unincorporated  organization,  a governmental  entity (or any
department, agency, or political subdivision thereof) or other entity;

         Proxy  Statement.  The joint  proxy  statement/prospectus  which may be
furnished  to  the  OmniCall   Shareholders  in  connection  with  the  OmniCall
Shareholders' Meeting and the matters contemplated hereby;

         Regulations. The regulations issued by the IRS under the Code;

         Regulatory  Approvals.  The order of any  federal  or state  Regulatory
Authority approving the Merger;

         Regulatory  Authority.  Any  federal  or state  governmental  agency or
authority  charged with the  supervision  or  regulation  of  telecommunications
businesses;

         Rights.  Rights  shall mean  (whether  or not fully  vested)  warrants,
calls,   commitments,   options,  rights  (whether  stock  appreciation  rights,
conversion rights,  exchange rights, profit participation rights, or otherwise),
securities or obligations  convertible  into or exchangeable  for, or giving any
Person  any  right to  subscribe  for or  acquire,  and  other  arrangements  or
commitments  which  obligate  a Person  to  issue,  otherwise  cause  to  become
outstanding,  sell, transfer, pledge, or otherwise dispose of any of its capital
stock or other ownership interests,  or any voting rights thereof or therein, or
to pay monetary  sums by reference to the existence or market  valuation,  or in
lieu and place, of any of its capital stock or ownership interests therein;

         SCBCA. The South Carolina Business Corporation Act of 1988, as amended;

         Working  Capital  shall mean the amount equal to the current  assets of
OmniCall minus the current liabilities of OmniCall,  as determined in accordance
GAAP; and

         Year 2000  Compliant  means that (a) the  services,  products  or other
item(s) at issue accurately  process,  provide and/or receive all date/time data
(including  calculating,   comparing,  sequencing,  processing  and  outputting)
within,   from,  into  and  between  centuries   (including  the  twentieth  and
twenty-first  centuries  and the  years  1999 and  2000),  including  leap  year
calculations,  and (b) neither the  performance  nor the  functionality  nor the
business' provision of the services, products and other item(s) at issue will be
affected by any dates/times prior to, on, after or spanning January 1, 2000. The
design of the services, products and other item(s) at issue to ensure compliance
with the "year 2000"  representations  and warranties and covenants contained in
this  Agreement   includes  proper   date/time  data  century   recognition  and
recognition of 1999 and 2000,  calculations that accommodate  single century and
multi-century  formulae  and  date/time  values  before,  on, after and spanning
January 1, 2000, and date/time  data interface  values that reflect the century,
1999 and 2000. In particular, but without limitation, such design means that (i)
no value for current  date/time will cause

                                       5
<PAGE>

any  error,  interruption  or  decreased  performance  in or for such  services,
products and other item(s), (ii) all manipulations of date and time related data
(including  calculating,  comparing,  sequencing processing and outputting) will
produce correct results for all valid dates and times when used independently or
in combination  with other  services,  products  and/or items,  (iii)  date/time
elements in  interfaces  and data  storage will specify the century to eliminate
date ambiguity  without human  intervention,  including leap year  calculations,
(iv) where any date/time element is represented  without a century,  the correct
century will be unambiguous for all  manipulations  involving that element,  (v)
authorization codes, passwords and zaps (purge functions) will function normally
and in the same manner during, prior to, on and after January 1, 2000, including
the manner in which they  function  with  respect  to  expiration  dates and CPU
serial  numbers,  and (vi) the business'  supply of the  services,  products and
other item(s) will not be interrupted,  delayed, decreased or otherwise affected
by the advent of the year 2000.

         SECTION 1.2 Construction. In this Agreement words denoting the singular
include  the plural and vice  versa,  (ii) "it" or "its" or words  denoting  any
gender include all genders,  (iii) the word  "including"  shall mean  "including
without limitation",  whether or not expressed,  (iv) any reference to a statute
shall mean the statute and any regulations thereunder in force as of the date of
this Agreement or the Closing Date, as applicable,  unless  otherwise  expressly
provided,  (v) any reference herein to a Section,  Article,  Schedule or Exhibit
refers to a Section or Article  of or a Schedule  or Exhibit to this  Agreement,
unless otherwise stated,  and (vi) when calculating the period of time within or
following  which  any act is to be done or steps  taken,  the date  which is the
reference day in  calculating  such period shall be excluded and if the last day
of such period is not a business  day, then the period shall end on the next day
which is a business day.

                                   ARTICLE II
                                   THE MERGER

         SECTION 2.1 The  Merger.  Subject to the terms and  conditions  of this
Agreement,  including  the  fulfillment  (or  waiver) of all  conditions  to the
obligations of the parties contained herein, at the Effective Time of the Merger
and pursuant to the SCBCA, NJBCA, and FBCA, the following shall occur:

         (a) Newco  shall be merged with and into  OmniCall,  which shall be the
surviving corporation (the "Surviving  Corporation").  The separate existence of
Newco shall cease at the Effective  Time of the Merger,  and thereupon  OmniCall
and Newco  shall be a single  corporation  and the title to all real  estate and
other  property  owned by OmniCall  and Newco shall be vested in OmniCall as the
Surviving   Corporation  without  reversion  or  impairment  and  the  Surviving
Corporation  shall have all liabilities of Newco and OmniCall.  Without limiting
the generality of the foregoing, upon the Effective Time of Merger the Surviving
Corporation shall possess all the rights,  privileges,  powers and franchises as
well of a  public  as of a  private  nature,  subject  to all the  restrictions,
disabilities and duties of OmniCall and Newco; and all and singular, the rights,
privileges, powers and franchises of OmniCall and Newco, and all property, real,
personal and mixed, and all debts due to OmniCall or Newco on whatever  account,
as well for stock  subscriptions

                                       6
<PAGE>

as all other  things in action or  belonging to each of OmniCall and Newco shall
be vested in the Surviving Corporation;  and all property,  rights,  privileges,
powers and  franchises,  and all and every other interest shall be thereafter as
effectually  the property of the Surviving  Corporation as they were of OmniCall
and  Newco,  and the title to any real  estate  vested by deed or  otherwise  in
OmniCall or Newco shall not revert or be in any way impaired;  but all rights of
creditors  and all  liens  upon any  property  of  OmniCall  or  Newco  shall be
preserved  unimpaired,  and all debts,  liabilities  and duties of OmniCall  and
Newco shall thenceforth attach to the Surviving Corporation, and may be enforced
against it to the same extent as if said debts,  liabilities and duties had been
incurred or contracted by it.

         (b) The Articles of  Incorporation  of OmniCall,  in the form  attached
hereto as Exhibit A, shall be the  articles of  incorporation  of the  Surviving
Corporation until amended as permitted by law.

         (c) The Bylaws of OmniCall,  in the form attached  hereto as Exhibit B,
shall be the bylaws of the Surviving  Corporation  until amended as permitted by
law.

As soon as  practicable  after the terms and  conditions of this  Agreement have
been satisfied, articles of merger, substantially in the form attached hereto as
Exhibit C and properly  executed in accordance with the SCBCA,  NJBCA,  and FBCA
(the  "Articles of Merger"),  shall be filed with the office of the Secretary of
State of the State of South Carolina,  the State of New Jersey, and the State of
Florida.  The Merger shall become  effective  when the Articles of Merger are so
filed.  The date and time when the Merger is  effective  is  referred to in this
Agreement as the "Effective Time of the Merger."

         SECTION  2.2  Common  Stock of  Newco to  Become  the  Common  Stock of
OmniCall.  At the  Effective  Time of the  Merger,  by virtue of the  Merger and
without any action on the part of any holder thereof, each share of common stock
of Newco issued and outstanding  immediately  prior to the Effective Time of the
Merger shall be  converted  into one fully paid and  nonassessable  share of the
common stock, no par value per share, of OmniCall.

         SECTION 2.3 Conversion or Cancellation of Capital Stock of OmniCall. At
the Effective Time of the Merger, by virtue of the Merger and without any action
on the part of any holder thereof:

         (a)  Each  share  of  OmniCall  Common  Stock  issued  and  outstanding
immediately  prior to the Effective Time of the Merger shall be converted into a
number of shares of common stock,  par value $0.001 per share of Access One (the
"Access  One  Common  Stock)  equal to six  million  four  hundred  ninety-three
thousand,  seven hundred seventy-six (6,493,776) shares divided by the number of
OmniCall's  shares  outstanding at the Effective Time (the "Conversion  Ratio").
The  Conversion  Ratio will be subject to  appropriate  adjustment for any stock
splits or  combinations  after the date hereof and on or prior to the  Effective
Time of the  Merger;  provided,  however,  the Access  One  Common  Stock may be
increased pursuant to the provisions of Section 2.9.

                                       7
<PAGE>

         (b) Shares of OmniCall Common Stock owned by a holder who (i) shall not
have voted in favor of the Merger,  and (ii) shall have  delivered to OmniCall a
written  notice of his intent to demand  payment for his shares if the Merger is
effectuated  in the manner  provided in Section  33-13-101  et seq. of the SCBCA
(collectively,  the  "Dissenting  Shareholders"),  shall  not  be  converted  as
provided above, but shall be entitled to receive such  consideration as shall be
provided  in such  Sections of the SCBCA,  except that shares of any  Dissenting
Shareholder who shall  thereafter not perfect his right to appraisal as provided
in such Sections of the SCBCA shall  thereupon be deemed to have been  converted
as of the  Effective  Time of the Merger into shares of Access One Common Stock,
as provided above.

         (c) Each authorized but unissued share of OmniCall  Preferred Stock and
OmniCall Common Stock shall cease to exist.

                                       8
<PAGE>

         SECTION 2.4 Issuance of Merger Consideration.

         (a) Subject to the provisions of this Section 2.4(a),  at or as soon as
practicable  after the Effective Time of the Merger,  Access One shall issue and
deliver,  upon surrender by an OmniCall  Shareholder of one or more certificates
("Old Certificates")  representing OmniCall Common Stock for cancellation,  to a
holder  that  surrenders  Old  Certificates,  one  or  more  certificates  ("New
Certificates"),  registered  in the  name of such  holder,  for the  appropriate
number of shares of Access One Common Stock based on the Conversion Ratio.

         (b) No  dividends or other  distributions  declared on shares of Access
One Common Stock that are to be represented by New Certificates shall be paid to
any Person otherwise  entitled to receive the same until Old  Certificates  have
been  surrendered  in exchange for such New  Certificates  in the manner  herein
provided, and upon such surrender such dividends or other distributions shall be
paid to such  Persons in  accordance  with their  terms.  In no event  shall the
Persons entitled to receive such dividends or other distributions be entitled to
receive interest on such dividends or other distributions.

         (c)  Access One shall pay any  transfer  taxes in  connection  with the
exchange  of Old  Certificates  for  New  Certificates,  except  that if any New
Certificate  is to be  issued  in a name  other  than  that  in  which  the  Old
Certificate  surrendered  in  exchange  therefor  is  registered,  it shall be a
condition of such exchange that the Person requesting such exchange shall pay to
Access One any transfer or other taxes required by reason of the issuance of the
New  Certificate  in a name  other  than  the  registered  holder  of  such  Old
Certificate,  or shall establish to the satisfaction of Access One that such tax
has been paid or is not applicable.

         SECTION 2.5 Stock Transfer  Books.  At the close of business on the day
prior to the Effective Time of the Merger,  the stock transfer books of OmniCall
shall be closed and no transfer of OmniCall  Common  Stock shall  thereafter  be
made on such stock transfer books.

         SECTION 2.6 Tax-Free Reorganization. The parties intend that the Merger
qualify as a tax-free reorganization pursuant to Section 368 of the Code.

         SECTION  2.7  Dealer  Stock   Deferral.   All   OmniCall   dealers  who
participated in OmniCall's  Equity  Participation  Program may have their Access
One share issuance deferred until the earlier of: two (2) years from the date of
this  Agreement,  or thirty (30) days after a public  offering or initial public
offering  is made  for the  Access  One  stock.  A copy of said  stock  deferral
agreement  is attached  hereto as Exhibit D. A copy of the Equity  Participation
Program is attached  hereto as Schedule 2.7. All shares of stock which are to be
issued to dealers,  as set forth on Schedule 2.7, shall be treated as issued and
outstanding  shares of  OmniCall,  regardless  of  whether  or not their  actual
issuance is  deferred,  for  purposes of computing  the  Conversion  Ratio under
Section 2.3(a).

         SECTION 2.8 OmniCall  Employee  Options.  Access One shall grant to the
employees  of OmniCall  the right to continue  their  current  Stock Option Plan
under Access One upon the same

                                       9
<PAGE>

prices;  however,  the options shall be re-drafted to allow for one-third  (1/3)
vesting upon the Closing,  one-third  (1/3) vesting on January 1, 2001,  and the
remaining  one-third (1/3) vesting on January 1, 2002. Nothing contained in this
Section  2.8  shall be  construed  to  prohibit  an  employee  from  immediately
exercising  his or her currently  vested  options prior to five o'clock  eastern
standard time (5:00 p.m. EST) on Monday, October 11, 1999.

         SECTION 2.9  Earn Out Payment; Determination and Payment; Timing.

         (a) Earn Out  Payment.  In addition  to the  transfer of the Access One
Common Stock, OmniCall Shareholders may be entitled to receive additional shares
of Access One Common Stock (the "Earn Out Payment")  based upon the  performance
of the  division  of  OmniCall  known as OmniWeb or  BizKick  ("BizKick")  which
markets and sells web sites, data services,  Internet services,  bundled telecom
services  sold  through  Internet  channels,  and license . The Earn Out Payment
shall be based upon the gross sales of BizKick  during the period  beginning  on
the date of Closing and ending December 31, 2000 (the "Earn Out Period"), as set
forth in subparagraph(b) of this Section 2.9.

         (b) Calculation  and Form of Earn Out Payment.  The Earn Out Payment to
be made  pursuant to this  Section  2.9 shall be  evidenced  by the  issuance of
Access One Common Stock to OmniCall Shareholders,  in an amount to be determined
as follows:

                  (i) In the  event  BizKick's  gross  sales  are less  than One
Million  Dollars  ($1,000,000.00)  or OmniCall fails to acquire twelve  thousand
(12,000)   additional   customer   lines   (as   customarily   defined   in  the
telecommunications  industry) during the Earn Out Period,  Access One shall have
no  obligation  to make any Earn Out  Payment to  OmniCall  Shareholders.  It is
understood  and agreed  among the parties  hereto that the number of  additional
customer  lines to be acquired by OmniCall  has been  determined  based upon the
existing  rules  and  regulations  promulgated  by  the  Federal  Communications
Commission and individual  State  regulatory  agencies.  It is therefore  agreed
that,  in the event  such  rules and  regulations  are  subsequently  amended or
revised  and such  amendment  or  revision  has a  material  adverse  effect  on
OmniCall's  ability to secure the twelve thousand (12,000)  additional  customer
lines, such condition shall be of no effect and not be required.

                  (ii) In the  event  BizKick's  gross  sales  are  equal  to or
greater  than Three  Million  Dollars  ($3,000,000.00)  (the  "Target Earn Out")
during the Earn Out Period,  Access One shall cause to be issued,  and delivered
to OmniCall  Shareholders,  one million, six hundred thirty-six  thousand,  five
hundred  thirty-six  (1,636,536)  additional  shares of Access One Common Stock;
provided,  however,  that in the event BizKick's gross sales during the Earn Out
Period are equal to or greater than One Million Dollars ($1,000,000.00) but less
than the Target Earn Out,  Access One shall cause to be issued and  delivered to
OmniCall  Shareholders that number of shares of Access One Common Stock equal to
the percentage of BizKick's  gross sales as compared to the Target Earn Out. For
example,  if  BizKick's  gross  sales  during  the  Earn  Out  Period  equal  to
seventy-five  percent  (75%) of the Target Earn Out, the  OmniCall  Shareholders
shall be entitled to and shall  receive one  million,

                                       10
<PAGE>

two hundred  twenty-seven  thousand,  four  hundred two  (1,227,402)  additional
shares of Access One Common Stock.

             (c) Time of Earn Out Payment The Earn Out Payment, if any, shall be
evidenced by the delivery to the OmniCall  Shareholders of the additional Access
One  Common  Stock no later than  thirty  (30) days  after  receipt of  year-end
financial  statements  of BizKick for the fiscal year ended  December  31, 2000,
unless the parties  disagree as to the  computation  of the Earn Out Payment for
the Earn Out Period,  in which  event the Earn Out Payment  shall be made within
two (2)  business  days  following  resolution  of any  such  disagreement.  The
additional Access One Common Stock issued to the OmniCall  Shareholders pursuant
to this Section 2.9 shall be divided pro-rata among the OmniCall Shareholders in
accordance  with their  respective  ownership  interests  in the common stock of
OmniCall on the date of Closing.

             (d) Spin-Off on Sale Event. In the event Access One determines that
it would be in its best  interests to spin-off,  sell,  or otherwise  dispose of
BizKick  prior to  December  31,  2000,  then and in such  event,  the  OmniCall
Shareholders  shall  collectively  receive  in  cash  an  amount  equal  to  (i)
thirty-six percent (36%) of the gross proceeds of sale of BizKick, including any
consideration paid or to be paid under any ancillary  agreements with respect to
said sale, and without  reduction for any applicable  taxes assessed with regard
thereto or; (ii) thirty-six  percent (36%) of the spin-off valuation of BizKick,
including any  consideration  paid or to be paid under any ancillary  agreements
with respect to said spin-off,  and without  reduction for any applicable  taxes
assessed with regard thereto.

             (e) Cessation of Business. The board of directors of Access One may
determine, in their sole discretion, to cease all operations of BizKick. In such
event, all software and source codes to the software,  and other assets relating
thereto,  shall revert to the OmniCall  Shareholders or such other entity as the
OmniCall Shareholders shall direct. All of the then current obligations relating
to the HHT debt, as presently reflected on Schedule 1.1 hereof, shall be assumed
by the OmniCall  Shareholders or such other entity as the OmniCall  Shareholders
shall direct.

                                   ARTICLE III
    REPRESENTATIONS AND WARRANTIES OF OMNICALL AND THE PRINCIPAL SHAREHOLDERS

The  Principal  Shareholders  and  OmniCall  jointly  and  severally,  ,  hereby
represent and warrant to Access One and Newco as follows:

         SECTION 3.1  Corporate  Organization.  OmniCall is a  corporation  duly
organized,  validly existing and in good standing under the laws of the State of
South  Carolina  and has all  requisite  corporate  power and  authority to own,
operate  and lease its  properties  and  assets as and where the same are owned,
operated  or leased and to conduct its  business  as it is now being  conducted.
OmniCall  is in good  standing  and duly  qualified  or  licensed  as a  foreign
corporation to do business in those jurisdictions listed on Schedule 3.1 hereto,
such  jurisdictions  being the only  jurisdictions  in which the location of the
property and assets  owned,  operated or leased by OmniCall or the nature of

                                       11
<PAGE>

the  business  conducted  by  OmniCall  makes such  qualification  or  licensing
necessary.  OmniCall has heretofore delivered to Access One complete and correct
copies of OmniCall's articles of incorporation and by-laws, as amended to and as
in effect on the date hereof.

         SECTION 3.2 Capitalization.

         (a) The authorized  capital stock of OmniCall consists of fifty million
(50,000,000) shares of OmniCall Common Stock and ten million (10,000,000) shares
of preferred stock. As of the date hereof, twelve million two hundred sixty-nine
thousand  (12,269,000)  shares of OmniCall Common Stock are currently issued and
outstanding. No shares of preferred stock are issued and outstanding.

         (b) All outstanding shares of OmniCall Common Stock are validly issued,
fully paid and nonassessable; and, except as set forth in OmniCall's Articles of
Incorporation,  or in the agreements  pursuant to which OmniCall Preferred Stock
was issued,  there are no  preemptive  or similar  rights in respect of OmniCall
Common Stock.  All shares of OmniCall Common Stock issuable upon the exercise of
options or granted under the Equity  Participation  Plan,  will,  when issued in
accordance  therewith,  be validly  issued,  fully paid and  nonassessable.  All
outstanding  shares of OmniCall  Common Stock issued since formation were issued
in  compliance  with  all  requirements  of all  applicable  federal  and  state
securities  laws and OmniCall has  otherwise  complied in all material  respects
with federal and state securities laws.

         (c)  Schedule  3.2(c)  hereto sets forth a complete and correct list of
each holder of outstanding shares of OmniCall Common Stock, the number of shares
of OmniCall Common Stock owned by each such holder and residence address of such
holders.

         (d) Schedule  3.2(d) hereto also sets forth a complete and correct list
of all options ("Stock  Options")  granted under  OmniCall's  Stock Option Plan,
indicating as to each holder  thereof,  the number of shares of OmniCall  Common
Stock subject  thereto and the  exercisability,  exercise price and  termination
date therefor.

         (e) Schedule  3.2(e) hereto also sets forth a complete and correct list
of all Persons with an Equity Participation and a complete and correct statement
of the extent of the Equity  Participation  of each  Person,  including  without
limitation  the  number  of  shares  of  OmniCall   Common  Stock  and/or  other
consideration such Person is entitled to receive hereunder.

         SECTION 3.3 Subsidiaries. OmniCall does not own twenty percent (20%) or
more of the outstanding voting securities or other equity interests of any other
entity.

         SECTION 3.4  No  Commitments  to Issue  Capital  Stock.  Except for the
Equity  Participations  providing for the issuance of approximately one million,
ninety thousand, seven hundred seventy-four (1,090,774) voting shares, and Stock
Options  to  purchase  a maximum  of one  hundred  two  thousand,  five  hundred
(102,500) shares, there are no outstanding options, warrants, calls, convertible
securities  or  other  rights,  agreements,  commitments  or  other  instruments
pursuant

                                       12
<PAGE>

to which OmniCall is or may become obligated to authorize, issue or transfer any
shares of its capital stock.  Except as set forth on Schedule 3.4 hereto,  there
are no agreements or  understandings  in effect among any of the shareholders of
OmniCall  or with  any  other  Person  with  respect  to the  voting,  transfer,
disposition or registration under the Securities Act of 1933, as amended, of any
shares of capital stock of OmniCall.

         SECTION 3.5  Authorization;  Execution and  Delivery.  OmniCall has all
requisite  corporate  power and  authority  to execute,  deliver and perform its
obligations  under this  Agreement.  The execution,  delivery and performance of
this Agreement by OmniCall and the consummation of the transactions contemplated
hereby and thereby have been duly authorized by all requisite  corporate  action
on the part of OmniCall,  except that  OmniCall's  shareholders  are required to
approve and adopt the Merger and this  Agreement.  This  Agreement has been duly
executed and delivered by OmniCall and,  subject to such  shareholder  approval,
constitutes  the legal,  valid and binding  obligation of OmniCall,  enforceable
against OmniCall in accordance with its terms.

         SECTION  3.6   Governmental   Approvals   and  Filings.   No  approval,
authorization,   consent,  license,   clearance  or  order  of,  declaration  or
notification  to, or filing or registration  with any governmental or regulatory
authority is required in order (a) to permit  OmniCall to consummate  the Merger
or  perform  its  obligations  under  this  Agreement,  or  (b) to  prevent  the
termination  of, or materially and adversely  affect,  any  governmental  right,
privilege,  authority,  franchise, license, permit or certificate of OmniCall to
provide its services or carry on its business ("Governmental  Licenses"),  or to
prevent any material loss or disadvantage to OmniCall's  business,  by reason of
the Merger,  except for (i) filing and  recording  of the  Articles of Merger as
required by the SCBCA, and (ii) as set forth in Schedule 3.6 hereto.

         SECTION 3.7 No Conflict.  Subject to compliance  with the  governmental
requirements  described  in Section 3.6 and  obtaining  the other  consents  and
waivers that are set forth and  described  on Schedule 3.7 hereto (the  "Private
Consents"), neither the execution, delivery and performance of this Agreement by
OmniCall,  nor the  consummation  by OmniCall of the  transactions  contemplated
hereby,  will (i)  conflict  with,  or result in a breach or  violation  of, any
provision of the articles of incorporation or by-laws of OmniCall; (ii) conflict
with,  result in a breach or violation of, give rise to a default,  or result in
the  acceleration  of  performance,  or permit the  acceleration or performance,
under  (whether  or not after the giving of notice or lapse of time or both) any
note, bond, indenture,  guaranty, lease, license, agreement or other instrument,
writ,  injunction,  order,  judgment  or decree to which  OmniCall or any of its
respective properties or assets is subject;  (iii) give rise to a declaration or
imposition  of any  material  Lien  upon  any of the  properties  or  assets  of
OmniCall;  or (iv) materially impair OmniCall's business or adversely affect any
Governmental  License  necessary to enable  OmniCall to carry on its business as
presently conducted.

         SECTION 3.8 Financial Statements;  Absence of Undisclosed  Liabilities;
Receivables; Supplies.

                                       13
<PAGE>

         (a)  OmniCall  has  heretofore  delivered  to Access One  complete  and
correct  copies  of  the  following  financial  statements  (collectively,   the
"Financial  Statements"),  all of which  have been  prepared  from the books and
records of OmniCall in accordance  with GAAP and fairly  present in all material
respects the financial  condition of OmniCall as at their  respective  dates and
the results of their operations for the periods covered thereby:

                  (i) audited  balance  sheets at December 31, 1998, and audited
statements of income,  cash flows and  shareholders'  equity of OmniCall for the
fiscal year then ended, audited by KPMG Peat Marwick LLP, independent  certified
public accountants, as set forth on Schedule 3.8(a); and

                  (ii) unaudited  balance sheet (the "Interim Balance Sheet") of
OmniCall as at July 31, 1999 (the "Interim  Balance Sheet Date") and  statements
of income and cash flows for the seven (7) months  then  ended,  as set forth on
Schedule 3.8(a).

Such  statements  of income do not contain any items of special or  nonrecurring
revenue or income or any revenue or income not earned in the ordinary  course of
business, except as expressly specified therein.

         (b) Except as and to the extent  reflected  or reserved  against on the
Interim  Balance Sheet,  OmniCall did not have, as of the Interim  Balance Sheet
Date, any material liabilities, debts or obligations (whether absolute, accrued,
contingent or otherwise) of any nature that would be required as of such date to
have been included on a balance sheet  prepared in accordance  with GAAP.  Since
the Interim Balance Sheet Date, there has been no material adverse change in the
business, operations,  assets, condition (financial or otherwise),  liabilities,
results of operations or prospects of OmniCall,  and no event has occurred which
is reasonably likely to cause any such material adverse change.

         (c) All receivables of OmniCall (including accounts  receivable,  loans
receivable and advances) which are reflected in the Interim  Balance Sheet,  and
all such receivables  which arise thereafter and prior to the Closing Date, have
arisen or will have  arisen  only from bona fide  transactions  in the  ordinary
course of business  and shall be fully  collectible  at the  aggregate  recorded
amounts  thereof  (except  to  the  extent  of  appropriate   reserves  therefor
established  in  accordance  with prior  practice and GAAP),  and to the best of
OmniCall's knowledge,  are not and will not be subject to defense,  counterclaim
or offset.

         (d) All  items of  supplies  and  other  consumables  reflected  on the
Interim Balance Sheet, and all such items of supplies and other consumables that
are acquired thereafter and prior to the Closing Date, are or will be useable in
the ordinary course of business.  OmniCall has and will through the Closing Date
maintain  a  sufficient  but not an  excessive  quantity  of  each  type of such
supplies and other  consumables in order to meet the normal  requirements of its
businesses and operations.

                                       14
<PAGE>

         SECTION  3.9 Absence of  Changes.  Except as set forth in Schedule  3.9
hereto or as expressly  previously  consented to in writing by Access One, since
the Interim Balance Sheet Date,  OmniCall has conducted its business only in the
ordinary course, and OmniCall has not:

         (a) amended or  otherwise  modified its  Articles of  Incorporation  or
By-laws (or similar organizational documents);

         (b) issued or sold or  authorized  for issuance or sale, or granted any
options  or made  other  agreements  (other  than  this  Agreement)  of the type
referred  to in Section 3.4 with  respect to any shares of its capital  stock or
any  other of its  securities,  or  altered  any term of any of its  outstanding
securities  or made any change in its  outstanding  shares of  capital  stock or
other  ownership  interests  or  its  capitalization,  whether  by  reason  of a
reclassification,  recapitalization,  stock  split or  combination,  exchange or
readjustment  of shares,  stock dividend or otherwise or redeemed,  purchased or
otherwise acquired any of its capital stock;

         (c) incurred any obligation or liability, absolute, accrued, contingent
or otherwise, whether due or to become due, except current liabilities for trade
or  business  obligations  incurred  in the  ordinary  course  of  business  and
consistent with prior practice;

         (d) recorded or accrued any item of revenue,  except as a result of the
provision of local, long distance and Internet telecommunications service in the
ordinary course of business and consistent with prior practice;

         (e)  been  subjected  to  any  Lien  or  other  restriction  any of its
properties, business or assets;

         (f)  discharged  or  satisfied  any  Lien,  or paid any  obligation  or
liability,  absolute, accrued, contingent or otherwise, whether due or to become
due,  other than  current  liabilities  shown on the Interim  Balance  Sheet and
current  liabilities  incurred  since  the  Interim  Balance  Sheet  Date in the
ordinary course of business and consistent with prior practice;

         (g) declared or made any payment of dividends or other  distribution to
its  shareholders  upon or in  respect of any shares of its  capital  stock,  or
purchased,  retired or  redeemed,  or obligated  itself to  purchase,  retire or
redeem, any shares of capital stock or other securities;

         (h) sold,  transferred,  leased to others or otherwise  disposed of any
properties or assets or purchased,  leased from others or otherwise acquired any
properties or assets except in the ordinary course of business;

         (i) canceled or compromised any debt or claim or waived or released any
right of substantial value;

         (j)  transferred  or granted  any  rights  under,  or entered  into any
settlement regarding the breach or infringement of, any United States or foreign
license, patent, copyright, trademark, trade

                                       15
<PAGE>

name, service mark, brand mark, brand name,  invention or similar rights or with
respect to any know-how, or modified any existing rights with respect thereto;

         (k) made any change in the rate of compensation,  commission,  bonus or
other  remuneration  payable,  or paid or  agreed  or  orally  promised  to pay,
conditionally or otherwise, any bonus, extra compensation,  pension or severance
or vacation pay, to any  shareholder,  director,  officer,  employee,  salesman,
distributor  or agent of  OmniCall  except in the  ordinary  course of  business
consistent  with prior  practice  pursuant to or in accordance  with  OmniCall's
severance  plan  described  on  Schedule  3.9  hereto  or plans in  effect as of
December 31, 1998 and not in contemplation of the Merger;

         (l) made  any  increase  in or  commitment  to  increase  any  employee
benefits,  adopted  or made any  commitment  to adopt  any  additional  Employee
Benefit  Plan  or  made  any  contribution,   other  than  regularly   scheduled
contributions, to any Employee Benefit Plan;

         (m) engaged in any transaction with any shareholder, director, officer,
employee,  salesman,  distributor  or agent of  OmniCall  other  than (i) normal
compensation  and other fees earned in their capacity as such in accordance with
past  practice,  (ii)  transactions  in the  ordinary  course  of  business  not
involving an  expenditure  in excess of an  aggregate  of One  Thousand  Dollars
($1,000.00) per individual,  EXCEPT for advanced made by William M. Rogers,  and
(iii)   transactions   in  accordance  with  the  provisions  of  Contracts  (as
hereinafter  defined in Section  3.17(b) with any such Person that are disclosed
on Schedule 3.17 hereto) or made any loans or advances to any director, officer,
employee,  salesman,  distributor  or agent other than travel and  entertainment
advances in the ordinary course of business consistent with prior practice;

         (n) made any loan or advance to any Person  other than travel and other
similar routine advances in the ordinary course of business consistent with past
practice,  or  acquired  any  capital  stock or other  securities  of any  other
corporation or any ownership interest in any other business enterprise;

         (o) changed its banking or safe deposit arrangements;

         (p) instituted,  settled or agreed to settle any litigation,  action or
proceeding  before any court or  governmental  body  relating to OmniCall or its
respective properties or assets;

         (q) entered into any transaction,  contract or commitment other than in
the ordinary course of business;

         (r) changed any  accounting  practices  or  principles  utilized in the
preparation of the Financial Statements;

         (s) suffered any change, event or condition that, in any case or in the
aggregate,  has had or is  reasonably  likely to result  in a  Material  Adverse
Effect;

                                       16
<PAGE>

         (t) entered into any  agreement or made any  commitment  to take any of
the types of action described in subparagraphs (a) through (s) above; or

         (u)  received  notice  from  any  OmniCall  Shareholder  that  they are
exercising their dissenters  rights as provided in Section 33-13-101 et. seq. of
the SCBCA.

         SECTION 3.10 Tax Matters. Except as set forth on Schedule 3.10 hereto:

         (a) OmniCall has timely filed with the appropriate  taxing  authorities
all returns in respect of Taxes of OmniCall  required to be filed  (taking  into
account any  extension of time to file granted to or on behalf of such  entity).
The  information  on such  returns is complete  and  accurate  in all  respects.
OmniCall has paid on a timely basis all Taxes of OmniCall  (whether or not shown
on any Tax  return)  due and  payable.  No returns  for  income  taxes have been
examined by the Internal Revenue Service or other taxing authority.

         (b) No unpaid  deficiencies  for Taxes have been  claimed  proposed  or
assessed by any taxing or other governmental  authority with respect to OmniCall
for any period  ending on or prior to the date hereof,  and there are no pending
or threatened audits,  investigations or claims for or relating to any liability
in respect of Taxes of OmniCall.  OmniCall has not  requested  any  extension of
time within which to file any currently  unfiled returns in respect of any Taxes
and no extension of a statute of limitations  relating to any Taxes is in effect
with respect to OmniCall.

         SECTION 3.11 Relations with Employees and Sales Agents; Benefit Plans.

         (1)      Except as set forth in Schedule 3.11(a) hereto:

                  (i) OmniCall has satisfactory relationships with its employees
and sales agents.

                  (ii) OmniCall is in material  compliance  with all  applicable
laws  respecting  employment and employment  practices,  terms and conditions of
employment,  and wages and hours and OmniCall is not engaged in any unfair labor
practices.

                  (iii) No collective  bargaining  agreement with respect to the
business of OmniCall is currently in effect or being negotiated. OmniCall has no
obligation to negotiate any such collective bargaining  agreement,  and there is
no  indication  that  the  employees  of  OmniCall  desire  to be  covered  by a
collective bargaining agreement.

                  (iv) There are no strikes, slowdowns or work stoppages pending
knowledge, been threatened since its inception. There is no representation claim
or petition  pending before the National Labor  Relations  Board or any state or
local labor agency and, to the best of OmniCall's  or, to the best of OmniCall's
knowledge,  threatened  with respect to the  employees of OmniCall,  nor has any
such strike, slowdown or work stoppage occurred or, to the best of OmniCall's

                                       17
<PAGE>

knowledge,  no question concerning  representation has been raised or threatened
since its inception respecting the employees of OmniCall.

                  (v)  There  are no  complaints  or  charges  against  OmniCall
pending  before the National Labor  Relations  Board or any state or local labor
agency and, to the best of OmniCall's knowledge,  no Person has threatened since
its  inception to file any  complaint or charge  against  OmniCall with any such
board or agency.

                  (vi) To the best of  OmniCall's  knowledge,  no  charges  with
respect to or relating to the business of OmniCall are pending  before the Equal
Employment Opportunity Commission,  or any state or local agency responsible for
the prevention of unlawful employment practices.

                  (vii) Since its inception, OmniCall has not received notice of
the intent of any federal,  state,  local or foreign agency  responsible for the
enforcement of labor or employment laws to conduct an investigation of OmniCall,
and, to the best of OmniCall's knowledge, no such investigation is in progress.

         (b) Each  Employee  Benefit  Plan (and each  related  trust,  insurance
contract  and fund) is in  compliance  in all  material  respects in form and in
operation with all applicable requirements of Applicable Benefits Law (including
ERISA and the Code),  and is being  administered  in all  material  respects  in
accordance  with all  relevant  plan  documents  to the extent  consistent  with
Applicable  Benefits Law. There has been no prohibited  transaction with respect
to any  Employee  Benefit  Plan  which  would  result in the  imposition  of any
material unpaid excise tax. No Employee  Benefit Plan is under  investigation or
audit of OmniCall.  There are no legal  actions or suits pending or, to the best
OmniCall's knowledge, threatened against any Employee Benefit Plan or the assets
of any Employee  Benefit Plan or against any  fiduciary of any Employee  Benefit
Plan and OmniCall has no knowledge of any facts that could give rise to any such
actions. There has not occurred any circumstance by reason of which OmniCall may
be liable  for an act or a failure  to act by a  fiduciary  with  respect  to an
Employee Benefit Plan.  There has been full compliance in all material  respects
with the  notice and  continuation  requirements  of  Section  4980B of the code
applicable to any Employee Benefit Plan.

         SECTION 3.12   Properties.

         (a)  Schedule  3.12 hereto  contains a complete and correct list of all
real property owned, leased or licensed by OmniCall, together with a description
of each lease,  sublease,  license or any other  instrument under which OmniCall
claims or holds such leasehold or other interest or the right to the use thereof
or  pursuant  to which  OmniCall  has  assigned,  sublet or  granted  any rights
therein,  identifying  the parties  thereto,  the rental or other payment terms,
expiration date and cancellation and renewal terms thereof.  Except as set forth
in said Schedule 3.12, to the best of OmniCall's knowledge,  all improvements on
such real property (i) conform in all material  respects to applicable  federal,
state,  local and  foreign  laws and zoning  and  building  ordinances  (and the
properties  are zoned for the  various  purposes  for which such real  estate is
presently used), and (ii) are in good

                                       18
<PAGE>

condition and repair,  normal wear and tear  excepted,  and there does not exist
any condition or conditions that,  individually or in the aggregate,  materially
interferes with the economic value or use thereof.

         (b) All material items of personal property owned or leased by OmniCall
or used in its business is in reasonably  good  operating  condition and repair,
normal wear and tear  excepted,  and is suitable for the purpose for which it is
utilized, and there does not exist any condition that materially interferes with
the economic value or use thereof.

         (c) All real and  personal  properties  and  assets  owned,  leased  or
licensed by OmniCall or used in its business are adequate and sufficient for all
current  operations  of OmniCall.  Except as set forth in Schedule  3.12 hereto,
OmniCall has good and marketable title to or another valid right to use all such
real and personal property and assets, free and clear of all Liens, except Liens
and  imperfections  of title that do not materially  detract from the value,  or
materially interfere with the present use, of such properties or assets.

         SECTION 3.13 Compliance with Laws; Legal Proceedings.

         (a) OmniCall, to the best of its knowledge,  is not in violation of, or
in default with respect to, (i) any applicable statute,  regulation,  ordinance,
writ,  injunction,  order, judgment or decree which violation or default has had
or is  reasonably  likely to result in a Material  Adverse  Effect,  or (ii) any
Governmental  License.  Without  limiting the generality of the  foregoing,  (i)
OmniCall has not received any citation from the  Occupational  Safety and Health
Administration  or any  Occupational  Safety and Health Act  ("OSHA")  inspector
setting  forth any material  respect in which the  facilities  or  operations of
OmniCall are not in  compliance  with OSHA,  and (ii)  neither  OmniCall nor any
officer,  director,  employee or agent of any thereof has  violated  the Foreign
Corrupt Practices Act of 1977, as amended.

         (b) Except as set forth in  Schedule  3.13  hereto,  there is no order,
writ, injunction,  judgment or decree outstanding and no legal,  administrative,
arbitration or other governmental proceeding or investigation pending or, to the
best of OmniCall's  knowledge,  threatened,  and there are no claims  (including
unasserted claims of which OmniCall is aware) against or relating to OmniCall or
any of their respective  properties,  assets or businesses that could reasonably
be expected,  individually or in the aggregate,  to result in a Material Adverse
Effect.

         SECTION 3.14 Brokers. Except for the Equity Participations,  no broker,
finder or investment  advisor acted  directly or indirectly as such for OmniCall
or any of the Principal  Shareholders  in connection  with this  Agreement,  the
Merger or the other transactions  contemplated  hereby,  and no broker,  finder,
investment  advisor or other Person is entitled to any fee or other  commission,
or other  remuneration,  in  respect  thereof  based  in any way on any  action,
agreement,  arrangement  or  understanding  taken  or  made by or on  behalf  of
OmniCall or any of the Principal Shareholders.

                                       19
<PAGE>

         SECTION  3.15  Patents,  Trademarks  and Names.  Schedule  3.15  hereto
contains  a  complete  and  correct  list  of  (i)  all  trademarks,   trademark
registrations   and   applications   therefor,   service  marks,   service  mark
registrations and applications therefor,  trade names,  copyrights,  patents and
applications for patents,  or other proprietary rights wholly or partially owned
or held by or  registered  in the name of OmniCall,  or used in the operation of
the business of OmniCall, and (ii) all names under which OmniCall does business.
OmniCall has all rights  under all patents,  trademarks,  service  marks,  trade
names  or  copyrights  (or any  applications  or  registrations  respecting  any
thereof),   discoveries,   improvements,   formulas,   know-how,   data,  plans,
specifications, trade secrets, computer software (including, without limitation,
computer  programs and data bases),  drawings or the like that OmniCall requires
in order to conduct its business as it is currently being conducted.

         SECTION 3.16  Insurance.  Schedule 3.16 hereto  contains a complete and
correct list of all policies of liability, theft, fidelity, life and other forms
of  insurance  held by OmniCall  (specifying  the  insurer,  amount of coverage,
annual premium, type of insurance,  policy number, any pending claims thereunder
and any other  claims  that were made  thereunder  during  the past  year).  The
policies  listed in  Schedule  3.16 are  outstanding  and fully in force and all
premiums due with respect to such policies  have been paid.  Except as set forth
in Schedule 3.16, such policies are with reputable  insurers,  provide  adequate
coverage  for all normal  risks  incident to  OmniCall's  and the  Subsidiaries'
assets,  properties  and business  operations and are in character and amount at
least equivalent to that carried by Persons engaged in a business subject to the
same or similar  perils or hazards.  Except as set forth in such Item,  OmniCall
has not,  during the past three  fiscal  years,  been  denied or had  revoked or
rescinded any policy of insurance.

         SECTION 3.17 Contracts; etc.

         (a) Set forth on Schedule 3.17 hereto is a complete and correct list of
each of the following  Contracts,  Government  Licenses and other instruments to
which OmniCall is a party or by which OmniCall or their respective properties or
assets  are bound  (reasonably  expected  to involve  more than  Fifty  Thousand
Dollars ($50,000.00);

                  (i) each  service or other  similar  type of  agreement  under
         which services are provided by any other Person to OmniCall;

                  (ii)  each  agreement  that  restricts  the  operation  of the
         business of OmniCall as presently  conducted  and each  agreement  that
         restricts the ability of OmniCall to retain agents or  distributors  or
         to solicit customers or employees;

                  (iii) each agreement with an Affiliated Person;

                  (iv) each  operating  lease (as lessor,  lessee,  sublessor or
         sublessee) of any real property;

                                       20
<PAGE>

                  (v) each  operating  lease (as lessor,  lessee,  sublessor  or
         sublessee)  of any  tangible  personal  property or assets  (except for
         leases calling for payment of less than Five Thousand  Dollars ($5,000)
         per year and/or having a term of less than one (1) year);

                  (vi) each  license  (as  licensor,  licensee,  sublicensor  or
         sublicensee)  of any  patents,  trademarks  or other  item of  property
         described  in  Section  3.15  (other  than  customary,   non-negotiated
         licenses of computer software);

                  (vii) each  agreement  under which  services  are  provided by
         OmniCall to any material customer;

                  (viii) each written  agreement for the purchase of supplies or
         product which calls for  performance  by OmniCall over a period of more
         than six (6) months or with  respect to which there exists an aggregate
         future liability of OmniCall in excess of Twenty-Five  Thousand Dollars
         ($25,000);

                  (ix) each  agreement  under which any money has been or may be
         borrowed or loaned or any note, bond,  indenture,  or other evidence of
         indebtedness  has been issued or assumed  (other than those under which
         there remain no ongoing obligations of OmniCall),  and each guaranty of
         any evidence of indebtedness or other obligation,  or of the net worth,
         of any Person (other than endorsements for the purpose of collection in
         the ordinary course of business);

                  (x) each mortgage, deed of trust, security agreement, purchase
         money  agreement,  conditional  sales  contract or capital lease (other
         than any mortgage, purchase money agreement, conditional sales contract
         or capital lease evidencing Liens solely on tangible  personal property
         or assets  under which there exists an  aggregate  future  liability of
         OmniCall  not  in  excess  of Ten  Thousand  Dollars  ($10,000.00)  per
         mortgage, agreement, contract or lease);

                  (xi) each partnership, joint venture or similar agreement;

                  (xii) each agreement  containing  restrictions with respect to
         the  payment  of  dividends  or  other   distributions  in  respect  of
         OmniCall's capital stock;

                  (xiii) each agreement to make unpaid capital  expenditures  in
         excess of Twenty-Five Thousand Dollars ($25,000); and

                  (xiv) each other agreement having an indefinite term or a term
         of more than one (1) year (other than those that are terminable at will
         or upon not more than  thirty  (30) days'  notice by  OmniCall  without
         penalty) or  requiring  payments by OmniCall of more than Ten  Thousand
         Dollars ($10,000.00) per year.

                                       21
<PAGE>

A complete and correct copy of each written agreement, lease, license, mortgage,
deed of trust,  instrument,  contract or other type of  document  required to be
disclosed pursuant to this Section 3.17(a) has been delivered to Access One.

         (b)  Each  agreement,   lease,  license,   mortgage,   deed  of  trust,
instrument, contract or other type of document required to be disclosed pursuant
to Section  3.11(a) and Section 3.17(a) to which OmniCall is a party or by which
OmniCall or its  respective  properties or assets are bound  (collectively,  the
"Contracts"),  except for  Contracts,  the loss of which has not had, and is not
reasonably likely to result in, a Material Adverse Effect, is valid, binding and
in full  force and effect and is  believed  to be  enforceable  by  OmniCall  in
accordance  with its  terms,  except as such  enforceability  may be  limited by
bankruptcy,  insolvency,  moratorium and other similar laws affecting creditors'
rights generally and by general  principles of equity.  OmniCall is not (with or
without the lapse of time or the giving of notice,  or both) in material  breach
of or in  material  default  under  any of the  Contracts,  and,  to the best of
OmniCall's knowledge, no other party to any of the Contracts is (with or without
the lapse of time or the giving of notice,  or both) in breach of or in material
default under any of the  Contracts.  None of  OmniCall's  existing or completed
agreements is subject to renegotiation with any governmental body.

         SECTION 3.18 Permits,  Authorizations,  etc.  Schedule 3.18 hereto sets
forth all Governmental Licenses and each other material approval, authorization,
consent,  license,  certificate of public convenience,  order or other permit of
all governmental agencies,  whether federal, state, local or foreign,  necessary
to  enable  OmniCall  or the  Subsidiaries  to  own,  operate  and  lease  their
properties and assets as and where such properties and assets are owned,  leased
or  operated  and to provide  service and carry on their  business as  presently
provided and conducted  (collectively  the  "Permits") or required to permit the
continued  conduct of such  business  following  the Closing  Date in the manner
conducted on the date of this Agreement  (indicating in each case whether or not
the consent of any Person is required for the  consummation of the  transactions
contemplated  hereby).  OmniCall has all necessary  Permits of all  governmental
agencies,  whether federal,  state, local or foreign, all of which are valid and
in good  standing with the issuing  agencies and not subject to any  proceedings
for  suspension,  modification  or revocation.  All reports  required by law are
believed  to  have  been  filed  with  regulatory  agencies  having  appropriate
jurisdiction and there is no action pending before any regulatory  agency or, to
the best of OmniCall's  knowledge,  threatened by any regulatory  agency that is
reasonably  likely to materially affect the validity and full use by OmniCall of
any Permit.

         SECTION 3.19 Environmental Matters.

         (a) For purposes of this Agreement, the capitalized terms defined below
shall have the meanings ascribed to them below.

                  (i) "Environment"  means all air, surface water,  groundwater,
         drinking water or land, including land surface or subsurface.

                                       22
<PAGE>

                  (ii) "Environmental  Law(s)" means all federal, state or local
         environmental,  land use,  health,  chemical use, safety and sanitation
         laws,  statutes,  ordinances,  rules,  regulations and codes (including
         without   limitation   specific   Governmental    Licenses,    permits,
         authorizations,   directives,  approvals  or  consents,  court  orders,
         injunctions or decrees, or agreements with governmental  agencies),  as
         in  effect  on the date  hereof,  relating  to  health,  safety  or the
         protection  of  the  Environment  and/or  governing  the  discharge  of
         pollutants or the use, storage, treatment, generation,  transportation,
         processing,  handling,  production or disposal of Hazardous  Substances
         and all statutes similar to or based upon the foregoing.

                  (iii) "Environmental    Permits"   means    all     approvals,
         authorizations,   consents,   permits,   licenses,   registrations  and
         certificates required by any applicable  Environmental Law relating to:
         (a) pollution or the protection of the Environment,  including  without
         limitation those relating to the emission,  Release or discharge of any
         Hazardous  Substances  into the  Environment,  (b) the use,  treatment,
         storage  disposal,  generation,  transport  or  handling  of  Hazardous
         Substances,  or (c) the cleanup or remediation of Hazardous  Substances
         from any real property.

                  (iv) "Hazardous  Substance(s)" means, without limitation,  any
         flammable  explosives,  radioactive  materials,  urea formaldehyde foam
         insulation, polychlorinated biphenyls, petroleum and petroleum products
         (including but not limited to waste petroleum and petroleum  products),
         methane,    hazardous   materials,    hazardous   wastes,   pollutants,
         contaminants  and  hazardous  or toxic  substances,  as  defined  in or
         regulated under any applicable Environmental Laws.

                  (v)  "Release"  means any past or present  spilling,  leaking,
         pumping, pouring, emitting, emptying, discharging, injecting, escaping,
         leaching,  dumping  or  disposing  of a  Hazardous  Substance  into the
         Environment.

         (b) OmniCall has obtained all Environmental  Permits that are presently
required for the lawful operation of its business, and Schedule 3.19 hereto sets
forth a complete  and correct  list of all  Environmental  Permits  possessed by
OmniCall or the  Subsidiaries.  OmniCall (i) is in compliance with all terms and
conditions of its  Environmental  Permits and is in  compliance  with and not in
default  under  any  applicable  Environmental  Law,  and (ii) has not  received
written  notice  of  any  violation  by or  claim  against  OmniCall  under  any
Environmental Law.

         (c) There have been no Releases by OmniCall of any Hazardous Substances
(i) into, on or under any of the properties owned or operated (or formerly owned
or  operated)  by  OmniCall,  or (ii)  into,  on or under any other  properties,
including  landfills  in  which  Hazardous  Substances  have  been  Released  or
properties  on or under which  OmniCall has performed  services,  in any case in
such a way as to create any material  unpaid  liability  (including the costs of
required remediation) under any applicable Environmental Law.

         (d) To the  best of  OmniCall's  knowledge,  there  are no  underground
storage tanks,

                                       23
<PAGE>

abandoned wells or landfills on any real property owned or leased by OmniCall.

         SECTION 3.20  OmniCall  Acquisitions.  OmniCall has never  acquired nor
agreed to acquire all or any part of the stock or assets (including any customer
list) of any Person,  other than HHT Enterprises,  Inc. and property acquired in
the ordinary  course of business which is currently a division of OmniCall known
as OmniWeb or BizKick.

         SECTION  3.21 Books and  Records.  All  accounts,  books,  ledgers  and
official and other records  prepared and kept by OmniCall  have been  truthfully
and  properly  kept and  completed  in all  respects,  and there are no material
inaccuracies or discrepancies of any kind contained or reflected therein.

         SECTION 3.22 Accuracy of Information.  No statement in this Article III
or in any  Schedule or  certificate  delivered  or to be  delivered  by OmniCall
pursuant to this  Agreement  contains or will contain any untrue  statement of a
material fact or omits or will omit to state any material fact necessary to make
the statements contained therein not misleading. The information about OmniCall,
the Merger, this Agreement and the transactions  contemplated hereby included by
OmniCall in material  soliciting  approval of the Merger by the  shareholders of
OmniCall,  and all other  information  contained  therein,  other  than  written
information  supplied by Access One specifically  for use therein,  will not, on
the date such  material is first  mailed to  shareholders  of OmniCall or on the
date of the shareholder meeting, as amended or supplemented,  contain any untrue
statement of a material  fact, or omit to state any material fact required to be
stated  therein or necessary  to make the  statements  therein,  in light of the
circumstances under which they were made, not misleading.

         SECTION 3.23 Year 2000 Compliance.  OmniCall has (a) initiated a review
and assessment of all areas within its business and operations  (including those
affected by  suppliers  and  vendors)  that could  reasonably  be expected to be
relevant to whether  OmniCall is Year 2000  Compliant,  (b) developed a plan and
time line for ensuring  that  OmniCall is Year 2000  Compliant  (except for such
instances as individually or in the aggregate would not have a Material  Adverse
Effect) on a timely basis, and (c) to date,  implemented that plan in accordance
with that timetable. Based upon the foregoing, OmniCall believes that it is Year
2000 Compliant as of the date hereof except to the extent  described in Schedule
3.23 and except for such instances as individually or in the aggregate would not
have a Material Adverse Effect.

                                   ARTICLE IV
         REPRESENTATIONS AND WARRANTIES OF ACCESS ONE, NEWCO AND BARITZ

         Access One, Newco, and Baritz jointly and severally,,  hereby represent
and warrant to OmniCall and the Principal Shareholders as follows:

         SECTION  4.1   Corporate   Organization.   Access  One  and  Newco  are
corporations  duly  organized,  validly  existing and in good standing under the
laws of the State of New Jersey and the State of Florida, respectively, and each
has all requisite  corporate  power and authority to own,

                                       24
<PAGE>

operate  and lease its  properties  and  assets as and where the same are owned,
operated  or leased  and to conduct it  business  as it is now being  conducted.
Access One is in good  standing  and duly  qualified  or  licensed  as a foreign
corporation to do business in those jurisdictions listed on Schedule 4.1 hereto,
such  jurisdictions  being the only  jurisdictions  in which the location of the
property and assets owned, operated or leased by Access One or the nature of the
business   conducted  by  Access  One  makes  such  qualification  or  licensing
necessary. Newco was incorporated in October 1999, has conducted no business and
has no material  assets or liabilities on the date hereof.  Access One and Newco
have  heretofore  delivered  to  OmniCall  true  and  correct  copies  of  their
respective  certificates  of  incorporation  and by-laws as amended to and as in
effect on the date hereof.

         SECTION 4.2 Authorization;  Execution and Delivery.  Each of Access One
and Newco has all requisite  corporate  power and authority to execute,  deliver
and perform its obligations  under this Agreement and all other agreements to be
executed by Access One and Newco pursuant  hereto.  The execution,  delivery and
performance of this Agreement by Access One and Newco,  and the  consummation of
the transactions  contemplated hereby and thereby,  have been duly authorized by
all  requisite  corporate  action  on the part of  Access  One and  Newco.  This
Agreement has been duly executed and delivered by Access One , Newco, and Baritz
and constitutes the legal,  valid and binding  obligations of Access One, Newco,
and Baritz, enforceable against Access One, Newco, and Baritz in accordance with
their respective terms.

         SECTION  4.3   Governmental   Approvals   and  Filings.   No  approval,
authorization,   consent,  license,   clearance  or  order  of,  declaration  or
notification to, or filing or registration  with, any governmental or regulatory
authority  is  required  in order (a) to permit  Access One and Newco to perform
their  respective  obligations  under  this  Agreement,  or (b) to  prevent  the
termination  of, or materially and adversely  affect , any  governmental  right,
privilege, authority, franchise, license permit or certificate of Access One and
Newco  to  provide  its  services  or  carry  on  its  business   ("Governmental
Licenses"),  or to prevent any material loss or  disadvantage  to Access One and
Newco's business,  by reason of the Merger,  except for (i) filing and recording
of the  Articles of Merger as  required  by the NJBCA and FBCA,  and (ii) as set
forth in Schedule 4.3 hereto.

         SECTION 4.4 No Conflict.  Subject to compliance  with the  governmental
requirements  referred to in Section 4.3 and  obtaining  the other  consents and
waivers  that are set  forth and  described  on  Schedule  4.4  hereto  ("Access
One/Newco Private Consents"), neither the execution, delivery and performance of
this Agreement by Access One and Newco,  nor the  consummation by Access One and
Newco of the  transactions  contemplated  hereby or thereby,  will (i)  conflict
with,  or result in a breach or violation  of, any  provision of the articles of
incorporation  or by-laws of Access One or Newco;  (ii) conflict with, or result
in breach or  violation  of,  give  rise to a  default  under,  or result in the
acceleration of performance  under (whether or not after the giving of notice or
lapse of time or both) any note,  bond,  indenture,  guaranty,  lease,  license,
agreement or other instrument,  writ,  injunction,  order, judgment or decree to
which  Access One or Newco or any of their  respective  properties  or assets is
subject so as to materially  impair  Access One's or Newco's  ability to perform
its  obligations  under  this  Agreement,  (iii) give rise to a  declaration  or
imposition  of any  material  Lien  upon  any of the  properties  or  assets  of
OmniCall; or (iv) or to cause a Material Adverse Effect on

                                       25
<PAGE>

Access One.

         SECTION  4.5  Brokers.  No  broker  or finder  has  acted  directly  or
indirectly  as such for Access One or Newco in connection  with this  Agreement,
the Merger or the other transactions contemplated hereby, and no broker, finder,
investment  advisor or other Person is entitled to any fee or other  commission,
or other  remuneration,  in  respect  thereof  based  in any way on any  action,
agreement,  arrangement or understanding taken or made by or on behalf of Access
One or Newco.

         SECTION  4.6 Access One Common  Stock.  All shares of Access One Common
Stock to be issued in  connection  with,  the Merger or  pursuant to Section 2.4
will,  upon such  issuance,  be validly issued and  outstanding,  fully paid and
nonassessable.

         SECTION 4.7 Financial Statements;  Absence of Undisclosed  Liabilities;
Receivables; Supplies.

         (a)  Access One has  heretofore  delivered  to  OmniCall  complete  and
correct  copies  of  the  following  financial  statements  (collectively,   the
"Financial  Statements"),  all of which  have been  prepared  from the books and
records of Access One in accordance with GAAP and fairly present in all material
respects the financial  condition of Access One as at their respective dates and
the results of their operations for the periods covered thereby:

                  (i) audited  consolidated  balance sheets at October 31, 1998,
         and  audited   consolidated   statements  of  income,  cash  flows  and
         shareholders'  equity of Access  One for the  fiscal  year then  ended,
         audited  by  Nussabaum,  Yates & Wolpow,  P.C.,  independent  certified
         public accountants; and

                  (ii)  unaudited   consolidated  balance  sheet  (the  "Interim
         Balance Sheet") of Access One as at July 31, 1999 (the "Interim Balance
         Sheet Date") and  consolidated  statements of income and cash flows for
         the seven (7) months then ended, as set forth on Schedule 4.7(a).

Such  statements  of income do not contain any items of special or  nonrecurring
revenue or income or any revenue or income not earned in the ordinary  course of
business, except as expressly specified therein.

         (b) Except as and to the extent  reflected  or reserved  against on the
Interim Balance Sheet,  Access One did not have, as of the Interim Balance Sheet
Date, any material liabilities, debts or obligations (whether absolute, accrued,
contingent or otherwise) of any nature that would be required as of such date to
have been included on a balance sheet  prepared in accordance  with GAAP.  Since
the Interim  Balance  Sheet Date,  other than as disclosed  on Schedule  4.7(b),
there has been no material adverse change in the business,  operations,  assets,
condition  (financial  or  otherwise),  liabilities,  results of  operations  or
prospects of Access One, and no event has occurred which is reasonably likely to
cause any such material adverse change.

                                       26
<PAGE>

         (c) All receivables of Access One (including accounts receivable, loans
receivable and advances) which are reflected in the Interim  Balance Sheet,  and
all such receivables  which arise thereafter and prior to the Closing Date, have
arisen or will have  arisen  only from bona fide  transactions  in the  ordinary
course of business  and shall be fully  collectible  at the  aggregate  recorded
amounts  thereof  (except  to  the  extent  of  appropriate   reserves  therefor
established in accordance with prior practice and GAAP) and are not and will not
be subject to defense, counterclaim or offset.

         (d) All  items of  supplies  and  other  consumables  reflected  on the
Interim Balance Sheet, and all such items of supplies and other consumables that
are acquired thereafter and prior to the Closing Date, are or will be useable in
the  ordinary  course of  business.  Access One has and will through the Closing
Date  maintain a sufficient  but not an excessive  quantity of each type of such
supplies and other  consumables in order to meet the normal  requirements of its
businesses and operations.

         SECTION 4.8 Tax Matters. Except as set forth on Schedule 4.8 hereto:

         (a) Access One has timely filed with the appropriate taxing authorities
all returns in respect of Taxes of Access One required to be filed  (taking into
account any  extension of time to file granted to or on behalf of such  entity).
The information on such returns is complete and accurate in all respects. Access
One has paid on a timely  basis all Taxes of Access One (whether or not shown on
any Tax return) due and payable.  No returns for income taxes have been examined
by the Internal Revenue Service or other taxing authority.

         (b) No unpaid  deficiencies  for Taxes have been  claimed,  proposed or
assessed by any taxing or other  governmental  authority  with respect to Access
One for any  period  ending  on or prior to the date  hereof,  and  there are no
pending or threatened  audits,  investigations  or claims for or relating to any
liability in respect of Taxes of Access One.  Access One has not  requested  any
extension of time within which to file any currently  unfiled returns in respect
of any Taxes and no extension of a statute of limitations  relating to any Taxes
is in effect with respect to Access One.

         SECTION 4.9 Compliance with Laws; Legal Proceedings.

         (a) Access One is not in  violation  of, or in default with respect to,
(i) any applicable statute,  regulation,  ordinance,  writ,  injunction,  order,
judgment or decree which violation or default has had or is reasonably likely to
result in Material  Adverse Effect,  or (ii) any Governmental  License.  Without
limiting the  generality of the  foregoing,  (i) Access One has not received any
citation  from  the  Occupational  Safety  and  Health   Administration  or  any
Occupational Safety and Health Act ("OSHA") inspector setting forth any material
respect  in  which  the  facilities  or  operations  of  Access  One  are not in
compliance  with OSHA,  and (ii) neither  Access One nor any officer,  director,
employee or agent of any thereof has violated the Foreign Corrupt  Practices Act
of 1977, as amended.

                                       27
<PAGE>

         (b)  Except as set forth in  Schedule  4.9  hereto,  there is no order,
writ, injunction,  judgment or decree outstanding and no legal,  administrative,
arbitration or other governmental proceeding or investigation pending or, to the
best of Access One's knowledge,  threatened,  and there are no claims (including
unasserted  claims of which  Access One is aware)  against or relating to Access
One or any of its subsidiaries or any of their respective properties,  assets or
businesses that could reasonably be expected,  individually or in the aggregate,
to result in a material adverse effect on Access One and its subsidiaries  taken
as a whole.

         SECTION  4.10  Absence  of  Certain  Changes.  Except  as set  forth in
Schedule  4.10  hereto or as  expressly  previously  consented  to in writing by
OmniCall,  since the Interim Balance Sheet Date, there has not been any material
adverse change in the condition  (financial or otherwise),  properties,  assets,
liabilities or business  prospects of Access One and its  subsidiaries.  Without
limiting  the  foregoing,  Access One has  conducted  its  business  only in the
ordinary course, and Access One has not:

         (a) amended or  otherwise  modified its  Articles of  Incorporation  or
By-laws (or similar organizational documents);

         (b) issued or sold or  authorized  for issuance or sale, or granted any
options  or made  other  agreements  (other  than  this  Agreement)  of the type
referred to in Section 4.11 with  respect to any shares of its capital  stock or
any  other of its  securities,  or  altered  any term of any of its  outstanding
securities  or made any change in its  outstanding  shares of  capital  stock or
other  ownership  interests  or  its  capitalization,  whether  by  reason  of a
reclassification,  recapitalization,  stock  split or  combination,  exchange or
readjustment  of shares,  stock dividend or otherwise or redeemed,  purchased or
otherwise acquired any of its capital stock;

         (c) incurred any obligation or liability, absolute, accrued, contingent
or otherwise, whether due or to become due, except current liabilities for trade
or  business  obligations  incurred  in the  ordinary  course  of  business  and
consistent with prior practice;

         (d) recorded or accrued any item of revenue,  except as a result of the
provision of local, long distance and Internet telecommunications service in the
ordinary course of business and consistent with prior practice;

         (e)  been  subjected  to  any  Lien  or  other  restriction  any of its
properties, business or assets;

         (f)  discharged  or  satisfied  any  Lien,  or paid any  obligation  or
liability,  absolute, accrued, contingent or otherwise, whether due or to become
due,  other than  current  liabilities  shown on the Interim  Balance  Sheet and
current  liabilities  incurred  since  the  Interim  Balance  Sheet  Date in the
ordinary course of business and consistent with prior practice;

                                       28
<PAGE>

         (g) declared or made any payment of dividends or other  distribution to
its  shareholders  upon or in  respect of any shares of its  capital  stock,  or
purchased,  retired or  redeemed,  or obligated  itself to  purchase,  retire or
redeem, any shares of capital stock or other securities;

         (h) sold,  transferred,  leased to others or otherwise  disposed of any
properties or assets or purchased,  leased from others or otherwise acquired any
properties or assets except in the ordinary course of business;

         (i) canceled or compromised any debt or claim or waived or released any
right of substantial value;

         (j)  transferred  or granted  any  rights  under,  or entered  into any
settlement regarding the breach or infringement of, any United States or foreign
license,  patent,  copyright,  trademark,  trade name, service mark, brand mark,
brand name,  invention  or similar  rights or with respect to any  know-how,  or
modified any existing rights with respect thereto;

         (k) made any change in the rate of compensation,  commission,  bonus or
other  remuneration  payable,  or paid or  agreed  or  orally  promised  to pay,
conditionally or otherwise, any bonus, extra compensation,  pension or severance
or vacation pay, to any  shareholder,  director,  officer,  employee,  salesman,
distributor  or agent of Access One except in the  ordinary  course of  business
consistent  with prior practice  pursuant to or in accordance  with Access One's
severance  plan  described  on  Schedule  4.10  hereto  or plans in effect as of
December 31, 1998 and not in contemplation of the Merger;

         (l) made  any  increase  in or  commitment  to  increase  any  employee
benefits,  adopted  or made any  commitment  to adopt  any  additional  Employee
Benefit  Plan  or  made  any  contribution,   other  than  regularly   scheduled
contributions, to any Employee Benefit Plan;

         (m) engaged in any transaction with any shareholder, director, officer,
employee,  salesman,  distributor  or agent of Access  One other than (i) normal
compensation  and other fees earned in their capacity as such in accordance with
past  practice,  (ii)  transactions  in the  ordinary  course  of  business  not
involving an  expenditure  in excess of an  aggregate  of One  Thousand  Dollars
($1,000.00)  per  individual,  and (iii)  transactions  in  accordance  with the
provisions  of  Contracts  (as defined in Section 3.17 with any such Person that
are  disclosed  on  Schedule  4.10  hereto) or made any loans or advances to any
director,  officer, employee,  salesman,  distributor or agent other than travel
and  entertainment  advances in the ordinary course of business  consistent with
prior practice;

         (n) made any loan or advance to any Person  other than travel and other
similar routine advances in the ordinary course of business consistent with past
practice,  or  acquired  any  capital  stock or other  securities  of any  other
corporation or any ownership interest in any other business enterprise;

         (o)      changed its banking or safe deposit arrangements;

                                       29
<PAGE>

         (p) instituted,  settled or agreed to settle any litigation,  action or
proceeding  before any court or governmental  body relating to Access One or its
respective properties or assets;

         (q) entered into any transaction,  contract or commitment other than in
the ordinary course of business;

         (r) changed any  accounting  practices  or  principles  utilized in the
preparation of the Financial Statements;

         (s) suffered any change, event or condition that, in any case or in the
aggregate,  has had or is  reasonably  likely to result  in a  Material  Adverse
Effect; or

         (t) entered into any  agreement or made any  commitment  to take any of
the types of action described in subparagraphs (a) through (s) above.

         SECTION 4.11 Capitalization.

         (a) The  authorized  capital  stock of  Access  One  consists  of fifty
million  (50,000,000)  shares of Access One Common Stock and seven  million five
hundred thousand  (7,500,000)  shares of preferred stock. As of the date hereof,
fourteen million,  four hundred  fifty-three  thousand eight hundred ninety-nine
(14,453,899) shares of Access One Common Stock are issued and outstanding as set
forth on Schedule 4.11(a) attached hereto,  and no shares of preferred stock are
issued and outstanding,  (collectively,  the "Access One Capital Stock"). At the
date hereof,  options,  warrants and other obligations are outstanding providing
for the issuance of an additional two million,  six hundred twenty-five thousand
(2,625,000) shares of Access One Common Stock. These options, warrants and other
obligations, in the aggregate, have a weighted average exercise price of One and
2/100 Dollars ($1.02) per share.

         (b) All  outstanding  shares of Access One  Capital  Stock are  validly
issued,  fully paid and nonassessable;  and, except as set forth in Access One's
Articles of  Incorporation  or in the  agreements  pursuant to which  Access One
preferred stock was issued, there are no preemptive or similar rights in respect
of Access One Common Stock.  All outstanding  shares of Access One Capital Stock
issued  since  1991  were  issued in  compliance  with all  requirements  of all
applicable  federal and state securities laws. Access One has otherwise complied
in all material respects with federal and state securities laws.

         (c) Schedule 4.11(c) hereto also sets forth a complete and correct list
of all options ("Stock  Options")  granted under Access One's Stock Option Plan,
indicating as to each holder thereof,  the number of shares of Access One Common
Stock subject  thereto and the  exercisability,  exercise price and  termination
date therefor.

                                       30
<PAGE>

         SECTION 4.12 Subsidiaries.

         (a)  Except  for  the  subsidiaries  listed  in  Schedule  4.12  hereto
(collectively, the "Subsidiaries" and, individually, a "Subsidiary"),  there are
no entities twenty percent (20%) or more of whose outstanding  voting securities
or other equity interests are owned,  directly or indirectly through one or more
intermediaries,  by Access One. Each Subsidiary is a corporation duly organized,
validly  existing and in good standing under the laws of the jurisdiction of its
incorporation  and has all  requisite  corporate  power  and  authority  to own,
operate  and lease its  properties  and  assets as and where the same are owned,
operated or leased by such  Subsidiary  and to conduct its business as it is now
being  conducted.  Each  Subsidiary  is in good  standing and duly  qualified or
licensed as a foreign corporation to do business in each of the jurisdictions in
which such  qualification  or licensing is necessary.  Access One has heretofore
delivered to OmniCall complete and correct copies of each Subsidiary's  articles
of incorporation and by-laws, in each case as amended to and as in effect on the
date hereof.

         (b) Each of the  Subsidiaries  is  wholly-owned by Access One except as
stated on Schedule 4.12(b).  Except as set forth on Schedule 4.12(b), Access One
or such Subsidiary has good and valid title to all such shares free and clear of
all Liens. All of the outstanding shares of capital stock of each Subsidiary are
validly  issued,  fully paid and  nonassessable,  and there are no preemptive or
similar rights in respect of any shares of capital stock of any Subsidiary.

         SECTION 4.13 No Commitments to Issue Capital Stock. Except as set forth
on Schedule 4.11(c) hereto, there are no outstanding options,  warrants,  calls,
convertible  securities  or  other  rights,  agreements,  commitments  or  other
instruments  pursuant  to which  Access One or any  Subsidiary  is or may become
obligated to authorize, issue or transfer any shares of its capital stock.

         SECTION 4.14 Relations with Employees and Sales Agents; Benefit Plans.

         (2)      Except as set forth in Schedule 4.14(a) hereto:

                  (i)      Access One has  satisfactory  relationships  with its
                           employees and sales agents.

                  (ii)     Access  One  is  in  material   compliance  with  all
                           applicable laws respecting  employment and employment
                           practices,  terms and conditions of  employment,  and
                           wages and hours and Access One is not  engaged in any
                           unfair labor practices.

                  (iii)    No collective  bargaining  agreement  with respect to
                           the  business of Access One is currently in effect or
                           being  negotiated.  Access One has no  obligation  to
                           negotiate any such collective  bargaining  agreement,
                           and  there is no  indication  that the  employees  of
                           Access  One  desire  to be  covered  by a  collective
                           bargaining agreement.

                                       31
<PAGE>

                  (iv)     There are no  strikes,  slowdowns  or work  stoppages
                           pending  or, to the best of Access  One's  knowledge,
                           threatened  with  respect to the  employees of Access
                           One,  nor  has  any  such  strike,  slowdown  or work
                           stoppage  occurred  or, to the best of  Access  One's
                           knowledge, been threatened since its inception. There
                           is no representation claim or petition pending before
                           the National  Labor  Relations  Board or any state or
                           local labor  agency and, to the best of Access  One's
                           knowledge, no question concerning  representation has
                           been  raised  or   threatened   since  its  inception
                           respecting the employees of Access One.

                  (v)      There are no complaints or charges against Access One
                           pending before the National Labor  Relations Board or
                           any state or local  labor  agency and, to the best of
                           Access  One's  knowledge,  no Person  has  threatened
                           since its  inception to file any  complaint or charge
                           against Access One with any such board or agency.

                  (vi)     To the best of Access  One's  knowledge,  no  charges
                           with respect to or relating to the business of Access
                           One  are   pending   before   the  Equal   Employment
                           Opportunity Commission,  or any state or local agency
                           responsible for the prevention of unlawful employment
                           practices.

                  (vii)    Since  its  inception,  Access  One has not  received
                           notice of the intent of any federal,  state, local or
                           foreign  agency  responsible  for the  enforcement of
                           labor or employment laws to conduct an  investigation
                           of  Access  One,  and,  to the best of  Access  One's
                           knowledge, no such investigation is in progress.

         (b) Each  Employee  Benefit  Plan (and each  related  trust,  insurance
contract  and fund) is in  compliance  in all  material  respects in form and in
operation with all applicable requirements of Applicable Benefits Law (including
ERISA and the Code),  and is being  administered  in all  material  respects  in
accordance  with all  relevant  plan  documents  to the extent  consistent  with
Applicable  Benefits Law. There has been no prohibited  transaction with respect
to any  Employee  Benefit  Plan  which  would  result in the  imposition  of any
material  unpaid  excise tax. No  Employee  Benefit  Plan of Access One is under
investigation  or audit.  There are no legal actions or suits pending or, to the
best Access One's knowledge, threatened against any Employee Benefit Plan or the
assets of any  Employee  Benefit  Plan or against any  fiduciary of any Employee
Benefit  Plan and Access One has no  knowledge of any facts that could give rise
to any such actions.  There has not occurred any circumstance by reason of which
Access  One may be liable  for an act or a failure  to act by a  fiduciary  with
respect to an  Employee  Benefit  Plan.  There has been full  compliance  in all
material respects with the notice and continuation requirements of Section 4980B
of the Code applicable to any Employee Benefit Plan.

                                       32
<PAGE>

         SECTION 4.15 Environmental Matters.

         (a)  Access  One  has  obtained  all  Environmental  Permits  that  are
presently  required for the lawful operation of its business,  and Schedule 4.15
hereto  sets forth a complete  and  correct  list of all  Environmental  Permits
possessed  by Access One or the  subsidiaries.  Access One (i) is in  compliance
with all terms and conditions of its Environmental  Permits and is in compliance
with and not in default under any applicable Environmental Law, and (ii) has not
received  written  notice of any violation by or claim against  Access One under
any Environmental Law.

         (b)  There  have  been  no  Releases  by  Access  One of any  Hazardous
Substances  (i) into,  on or under any of the  properties  owned or operated (or
formerly  owned or operated) by Access One, or (ii) into,  on or under any other
properties, including landfills in which Hazardous Substances have been Released
or properties on or under which Access One has performed  services,  in any case
in such a way as to create any material unpaid liability (including the costs of
required remediation) under any applicable Environmental Law.

         (c) To the best of Access  One's  knowledge,  there are no  underground
storage tanks, abandoned wells or landfills on any real property owned or leased
by Access One.

         SECTION  4.16  Access One  Information.  The written  information  with
respect to Access One and Newco,  and their officers,  directors and affiliates,
which  will be  supplied  by Access One or Newco,  or any of their  accountants,
counsel or other authorized representatives,  specifically for use in soliciting
approval of the Merger by  shareholders  of  OmniCall  will not, on the date the
offering  materials are first mailed to  shareholders of OmniCall or on the date
of the  shareholders  meeting,  as amended or  supplemented,  contain any untrue
statement of a material  fact, or omit to state any material fact required to be
stated therein or necessary in order to make the statements therein, in light of
the circumstances under which they were made, not misleading.

         SECTION  4.17 Year 2000  Compliance.  Access  One has (a)  initiated  a
review and assessment of all areas within its business and operations (including
those affected by suppliers and vendors) that could reasonably be expected to be
relevant to whether Access One is Year 2000 Compliant,  (b) developed a plan and
time line for ensuring that Access One is Year 2000  Compliant  (except for such
instances as individually or in the aggregate would not have a Material  Adverse
Effect) on a timely basis, and (c) to date,  implemented that plan in accordance
with that  timetable.  Based upon the foregoing,  Access One believes that it is
Year 2000  Compliant  as of the date hereof  except to the extent  described  in
Schedule 4.17 and except for such instances as  individually or in the aggregate
would not have a Material Adverse Effect.

         SECTION  4.18 Books and  Records.  All  accounts,  books,  ledgers  and
official and other records  prepared and kept by Access One have been truthfully
and  properly  kept and  completed  in all  respects,  and there are no material
inaccuracies or discrepancies of any kind contained or reflected therein.

                                       33
<PAGE>

         SECTION 4.19 Accuracy of  Information.  No statement in this Article IV
or in any  Schedule or  certificate  delivered  or to be delivered by Access One
pursuant to this  Agreement  contains or will contain any untrue  statement of a
material fact or omits or will omit to state any material fact necessary to make
the statements  contained  therein not misleading.  The information about Access
One,  the  Merger,  this  Agreement  and the  transactions  contemplated  hereby
included  by Access One in  material  soliciting  approval  of the Merger by the
shareholders of Access One, and all other information  contained therein,  other
than written information supplied by OmniCall specifically for use therein, will
not, on the date such material is first mailed to  shareholders of Access One or
on the date of the shareholder meeting, as amended or supplemented,  contain any
untrue statement of a material fact, or omit to state any material fact required
to be stated  therein or necessary to make the statements  therein,  in light of
the circumstances under which they were made, not misleading.

         SECTION 4.20  Acknowledgment.  An Affiliated  Person of Access One owns
and operates a web base Internet  product  known as  "WebQuill"  which may be in
competition  with  BizKick;  however,  Access  One will not divert  business  to
WebQuill to the extent where such diversion frustrates the intent of Section 2.9
hereof.

         SECTION  4.21  Financial   Arrangements.   Nothing  contained  in  this
Agreement  conflicts  with or is  prohibited  by any  financial  arrangement  or
agreement which Access One has with any financial institution including, without
limitation,  MCG Finance Corporation.  No such agreement shall hinder Access One
from  complying  with the  terms and  conditions  of this  Agreement  including,
without  limitation,  the  provisions of Section 6.6 hereof.  The  Subordination
Agreement   required  by  MCG  Finance   Corporation  in  connection  with  this
transaction is attached as Exhibit G.

                                    ARTICLE V
                              COVENANTS OF OMNICALL

         SECTION 5.1 Regular  Course of  Business.  Except as  otherwise  stated
herein or consented to in writing by Access One,  prior to the Effective Time of
the Merger  OmniCall shall carry on its business  diligently and in the ordinary
course only and,  without  limiting the  generality of the  foregoing,  OmniCall
shall  use  its  and  its  best  efforts  to:  preserve  its  present   business
organization  intact;  keep  available  the  services  of its and their  present
executive  officers  and any  management  personnel  and  preserve  its  present
relationships with distributors,  customers,  suppliers and other persons having
business  dealings with it; maintain its and their  properties and assets (other
than those  disposed of in the  ordinary  course) in good repair and  condition,
except  for  ordinary  wear and tear and  damage by  unavoidable  casualty;  and
maintain  its books of account  and records in  accordance  with GAAP and in the
usual, regular and ordinary manner and consistent with past practice.

         SECTION 5.2 Restricted Activities and Transactions. Except as otherwise
consented  to in  writing  by Access  One,  prior to the  Effective  Time of the
Merger,  OmniCall  shall not take any of the  following  actions  (and  OmniCall
represents  that  except as set forth on  Schedule  5.2,  none of the

                                       34
<PAGE>

following actions have been taken since April 1, 1999):

         (a) amend its articles of incorporation or by-laws;

         (b) issue,  sell or deliver,  or agree to issue,  sell or deliver,  any
shares of any class of capital  stock of OmniCall,  any  securities  convertible
into any such shares or  convertible  into  securities in turn so convertible or
any options, warrants or other rights calling for the issuance, sale or delivery
of any such shares or  convertible  securities,  except  upon  exercise of stock
options referenced in Section 3.2 or pursuant to the Equity Participation Plan;

         (c) encumber any of its properties or assets;

         (d) except in the ordinary course of business (and consistent with past
practice),  (i)  borrow,  or agree to borrow,  any funds or  voluntarily  incur,
assume  or  become  subject  to,  whether  directly  or by  way of  guaranty  or
otherwise, any obligation or liability (absolute or contingent),  (ii) cancel or
agree to cancel any debts or claims,  (iii) lease,  sublease,  sell or otherwise
transfer,  agree to lease,  sublease,  sell or otherwise  transfer,  or grant or
agree to grant any preferential rights to lease or otherwise acquire, any of its
properties  or assets,  (iv) make or agree to make any  capital  expenditure  in
excess of Twenty-Five  Thousand  Dollars  ($25,000.00) in any individual case or
Fifty Thousand Dollars ($50,000.00) in the aggregate,  or (v) make or permit any
amendment or termination of any Contract;

         (e) grant any increase in compensation  to any employee  (except in the
ordinary  course of business  and  consistent  with past  practice),  officer or
director of OmniCall or any sales agent,  terminate any employment  agreement or
sales agency agreement with any sales agent listed on Schedule 3.11(a) hereto or
enter into any  agreement  to make any  special  bonus  payment to or  severance
arrangement  with any employee  (except in the  ordinary  course of business and
consistent  with past  practice),  officer,  director or sales  agent  listed on
Schedule 3.11(a) hereto;

         (f) enter  into or make any  change in any  employee  benefit  program,
except as required by law;

         (g) acquire  control or ownership of any Person,  or acquire control or
ownership of the customer list or any other substantial portion of the assets of
any Person, or merge, consolidate or otherwise combine with any other Person, or
enter into any agreement providing for any of the foregoing;

         (h)  change in any  material  respect  any  arrangement  with any sales
agent,  distributor or material customer or change the accounting  practices and
principles utilized in the preparation of the Financial Statements or the method
of recognition of revenue;

         (i) except in the ordinary  course of business,  enter into or agree to
enter into any transaction material to the business of OmniCall;

                                       35
<PAGE>

         (j) declare or pay any dividend or make any distribution on its capital
stock in cash, stock or property,  redeem,  repurchase or otherwise  acquire any
shares of OmniCall Common Stock;

         (k) fail duly and timely (by the due date or any duly granted extension
thereof)  to file any Tax  reports  or Tax  returns  required  to be filed  with
federal, state, local, foreign and other authorities;

         (l) unless it is contesting the same in good faith and, if appropriate,
has established  reasonable  reserves therefor,  fail either (i) promptly to pay
any  Taxes  that are  shown on such  returns  or  otherwise  lawfully  levied or
assessed upon or payable by it or on or with respect to any of its properties or
assets,  or  (ii)  to  withhold,  collect  and  pay to the  proper  governmental
authorities,  or hold in separate bank accounts for such payment,  any Taxes and
other assessments that are required by law to be so withheld, collected and paid
or so held;

         (m) take any  action,  a  primary  purpose  of which is to  reduce  the
OmniCall  Debt,  unless such action is clearly in accordance  with past OmniCall
practice and good business practices.

         SECTION 5.3  Consents,  Approvals and Filings.  OmniCall  shall use its
best  efforts and work with Access One to (i) comply as promptly as  practicable
with the  governmental  requirements  specified  in Section 3.6 and obtain on or
before the  Closing  Date all  necessary  approvals,  authorizations,  consents,
licenses,  clearances  or  orders of  governmental  and  regulatory  authorities
referred to in Section  3.6,  and (ii) obtain on or before the Closing  Date the
Private Consents referred to in Section 3.7.

         SECTION 5.4 Access to Records and  Properties.  Prior to the  Effective
Time of the Merger,  OmniCall  shall (a) provide Access One access to the books,
records  (including  Tax  returns  filed  or  in  preparation),  properties  and
personnel of OmniCall,  (b) cause its independent  public accountants to provide
Access One and its  employees,  agents and  representatives  full  access to the
audit work papers and their other records relating to OmniCall,  and (c) provide
to Access One such other  information  concerning  the  business,  operation and
financial  condition of OmniCall as Access One may reasonably  request.  Neither
any  investigation  by Access One,  nor the receipt by Access One of any data or
information  from  OmniCall,  nor any  knowledge  Access One obtains as a result
thereof or otherwise, shall affect any right of Access One or Newco to rely upon
the  representations  or warranties made in this Agreement or in any Schedule or
certificate  delivered pursuant to this Agreement or to terminate this Agreement
pursuant to Article XI.

                                   ARTICLE VI
                             COVENANTS OF ACCESS ONE

         SECTION 6.1 Consents,  Approvals and Filings.  Access One shall use its
best  efforts  to  comply  as  promptly  as  practicable  with the  governmental
requirements  specified  in Section  4.3 and to obtain on or before the  Closing
Date (or as soon as reasonably practicable  thereafter) all necessary approvals,
authorizations,  consents,  licenses,  clearances or orders of governmental  and
regulatory  authorities referred to in Section 4.3; and (ii) obtain on or before
the Closing Date the Access

                                       36
<PAGE>

One/Newco Private Consents referred to in Section 4.4.

         SECTION 6.2 Access to Records and  Properties.  Prior to the  Effective
Time of the Merger,  Access One shall (a) provide  OmniCall access to the books,
records  (including  Tax  returns  filed  or  in  preparation),  properties  and
personnel of Access One, (b) cause its independent public accountants to provide
OmniCall and its employees,  agents and representatives full access to the audit
work papers and their other  records  relating to Access One, and (c) provide to
OmniCall such other information concerning the business, operation and financial
condition  of  Access  One as  OmniCall  may  reasonably  request.  Neither  any
investigation  by  OmniCall,  nor  the  receipt  by  OmniCall  of  any  data  or
information  from Access One,  nor any  knowledge  OmniCall  obtains as a result
thereof  or  otherwise,  shall  affect  any right of  OmniCall  to rely upon the
representations  or  warranties  made in this  Agreement  or in any  Schedule or
certificate  delivered pursuant to this Agreement or to terminate this Agreement
pursuant to Article XI.

         SECTION 6.3 Board of Directors.  OmniCall  shall be assured of at least
one (1) seat on the Board of Directors of Access One.

         SECTION 6.4 Regular  Course of  Business.  Except as  otherwise  stated
herein or consented to in writing by OmniCall,  prior to the  Effective  Time of
the Merger Access One shall carry on its business diligently and in the ordinary
course only and,  without  limiting the generality of the foregoing,  Access One
shall  use  its  and  its  best  efforts  to:  preserve  its  present   business
organization  intact;  keep  available  the  services  of its and their  present
executive  officers  and any  management  personnel  and  preserve  its  present
relationships with distributors,  customers,  suppliers and other persons having
business  dealings with it; maintain its and their  properties and assets (other
than those  disposed of in the  ordinary  course) in good repair and  condition,
except  for  ordinary  wear and tear and  damage by  unavoidable  casualty;  and
maintain  its books of account  and records in  accordance  with GAAP and in the
usual, regular and ordinary manner and consistent with past practice.

         SECTION 6.5  Funding and  Reimbursement  Obligations  after  August 25,
1999.

         Since August 25, 1999,  William M. Rogers  ("Rogers")  has  contributed
monies in the form of loans to OmniCall  over and above the  OmniCall  Debt (the
"Post-August  Advances") to operate OmniCall's  business in accordance with past
practices,  all of which are listed on  Schedule  6.5.  In order to satisfy  the
indebtedness  of  OmniCall  to  Rogers,   OmniCall  shall,   with  Access  One's
unqualified  consent and agreement,  pursue collection of an arbitration dispute
with  e-spire  Communications,  Inc.,  formerly  known  as ACSI  Local  Switched
Services,  Inc.,  in regard to that certain  Switch  Partition  Agreement  dated
September 30, 1997, a copy of which has been provided to Access One. Any and all
proceeds  received by OmniCall as a result of these collection  procedures shall
be  immediately   assigned,   transferred   and  delivered  to  Rogers  in  full
satisfaction of the Post-August Advances together with interest accrued thereon.
Attorney fees and costs of the collection process,  after Closing,  shall be the
sole  responsibility  of Rogers.  Neither OmniCall nor Access One shall have any
liability to Rogers for Post-August Advances,  whether or not a recovery is made
from

                                       37
<PAGE>

e-spire  Communications,  Inc.; the  assignment of these rights and  liabilities
associated with e-spire  Communications,  Inc. shall be and is a full release of
any  liability  to Rogers  for  Post-August  Advances,  including  any  interest
thereon. Similarly,  OmniCall and Access One shall have no rights or interest in
the benefits or assets associated with the Switch Partition Agreement.

         SECTION 6.6 Payment of OmniCall Debt.  The OmniCall  leases in the name
of Teleco shall be assumed  simultaneously  with the  Closing,  and the OmniCall
Debt shall be paid as follows:

         (a) The line of credit,  in the initial  amount of Two Million  Dollars
($2,000,000.00), in the name of Rogers at SouthTrust Bank, N.A. shall be paid in
full at Closing;

         (b) The  payment  of  Three  Million  Dollars  ($3,000,000)  loaned  to
OmniCall by William M.  Rogers,  including  any  renewals  thereof  (the "Note")
attached as Schedule 6.6(b), shall be deferred and subordinated  pursuant to the
terms of the MCG Finance Corporation Subordination Agreement attached as Exhibit
G (with the  exception of interest on the Note which shall be paid by Access One
on the first day of each  month),  until the earlier of: (i) a change of control
of Access One as it exists after this merger; or (ii) an initial public offering
of Access  One,  at which  time the then  outstanding  balance  shall be due and
payable in full.  In the event that  neither  (i) nor (ii) of this  Section  6.6
shall have occurred on or before  October 1, 2000,  then  beginning  January 31,
2001,  payments of Seven  Hundred  Fifty  Thousand  Dollars  ($750,000.00)  plus
interest due shall be made by Access One, and such payments shall continue every
three (3) months  thereafter until either (i) or (ii) occurs,  at which time the
unpaid balance of the Note, together with any interest accrued but unpaid, shall
be paid in full by Access One.

         In  consideration  of the deferral of payment of the Note, , Access One
shall,  at  Closing,  grant to Rogers  warrants  for the  purchase of up to five
hundred  thousand  (500,000) shares of Access One Common Stock at a price of One
and 55/100  Dollars  ($1.55) per share.  The warrants shall expire on October 1,
2004,  provided  that  Access One is not default of its  obligations  under this
Section 6.6. The warrants shall otherwise be in a form  substantially  identical
to those given to other holders of Access One warrants.

         (c) all other debt including, but not limited to current debt, shall be
paid as and when the same becomes due, in accordance  with the respective  terms
thereof.

         SECTION 6.7 Restricted Activities and Transactions. Except as otherwise
consented to in writing by OmniCall,  prior to the Effective Time of the Merger,
Access  One shall not take any of the  following  actions  (and  Access  One and
Baritz represent that except as set forth on Schedule 6.7, none of the following
actions have been taken since April 1, 1999):

         (a) amend its articles of incorporation or by-laws;

         (b) issue,  sell or deliver,  or agree to issue,  sell or deliver,  any
shares of any class of capital stock of Access One, any  securities  convertible
into any such shares or  convertible  into  securities in turn so convertible or
any options, warrants or other rights calling for the issuance, sale

                                       38
<PAGE>

or delivery of any such shares or convertible  securities,  except upon exercise
of stock options referenced in Section 4.11(c);

         (c) encumber any of its properties or assets;

         (d) except in the ordinary course of business (and consistent with past
practice),  (i)  borrow,  or agree to borrow,  any funds or  voluntarily  incur,
assume  or  become  subject  to,  whether  directly  or by  way of  guaranty  or
otherwise, any obligation or liability (absolute or contingent),  (ii) cancel or
agree to cancel any debts or claims,  (iii) lease,  sublease,  sell or otherwise
transfer,  agree to lease,  sublease,  sell or otherwise  transfer,  or grant or
agree to grant any preferential rights to lease or otherwise acquire, any of its
properties  or assets,  (iv) make or agree to make any  capital  expenditure  in
excess of Twenty-Five  Thousand  Dollars  ($25,000.00) in any individual case or
Fifty Thousand Dollars ($50,000.00) in the aggregate,  or (v) make or permit any
amendment or termination of any Contract;

         (e) grant any increase in compensation  to any employee  (except in the
ordinary  course of business  and  consistent  with past  practice),  officer or
director of Access One or any sales agent, terminate any employment agreement or
sales  agency  agreement  with any sales agent  listed on Schedule 6.7 hereto or
enter into any  agreement  to make any  special  bonus  payment to or  severance
arrangement  with any employee  (except in the  ordinary  course of business and
consistent  with past  practice),  officer,  director or sales  agent  listed on
Schedule 6.7 hereto;

         (f) enter  into or make any  change in any  employee  benefit  program,
except as required by law;

         (g) acquire  control or ownership of any Person,  or acquire control or
ownership of the customer list or any other substantial portion of the assets of
any Person, or merge, consolidate or otherwise combine with any other Person, or
enter into any agreement providing for any of the foregoing;

         (h)  change in any  material  respect  any  arrangement  with any sales
agent,  distributor or material customer or change the accounting  practices and
principles utilized in the preparation of the Financial Statements or the method
of recognition of revenue;

         (i) except in the ordinary  course of business,  enter into or agree to
enter into any transaction material to the business of Access One;

         (j) declare or pay any dividend or make any distribution on its capital
stock in cash, stock or property,  redeem,  repurchase or otherwise  acquire any
shares of Access One Common Stock or Access One Capital Stock;

         (k) fail duly and timely (by the due date or any duly granted extension
thereof)  to file any Tax  reports  or Tax  returns  required  to be filed  with
federal, state, local, foreign and other authorities;

                                       39
<PAGE>

         (l) unless it is contesting the same in good faith and, if appropriate,
has established  reasonable  reserves therefor,  fail either (i) promptly to pay
any  Taxes  that are  shown on such  returns  or  otherwise  lawfully  levied or
assessed upon or payable by it or on or with respect to any of its properties or
assets,  or  (ii)  to  withhold,  collect  and  pay to the  proper  governmental
authorities,  or hold in separate bank accounts for such payment,  any Taxes and
other assessments that are required by law to be so withheld, collected and paid
or so held.

                                       40
<PAGE>

                                   ARTICLE VII
                                MUTUAL COVENANTS

         SECTION 7.1  Expenses.  Each of the parties  hereto shall pay all costs
and  expenses  incurred  by such  party  in  connection  with  the  transactions
contemplated by this  Agreement,  whether or not the  transactions  contemplated
hereby are consummated.

         SECTION 7.2 Confidentiality;  Public Announcements. Each party will and
will  cause  its  employees  and  agents to hold in  strict  confidence,  unless
disclosure is compelled by judicial or administrative process, or in the opinion
of its counsel,  by other requirements of law, all Confidential  Information and
will not  disclose  the same to any  Person.  The party  gaining  access to such
Confidential  Information  shall  exercise  the same degree of care with respect
thereto that any such party uses to preserve and safeguard its own  confidential
proprietary  information.  Confidential  Information  shall be used only for the
purpose of and in connection  with  consummating  the  transaction  contemplated
herein. If this Agreement is terminated,  each party hereto will promptly return
all  documents  received  by it from each other  party  containing  Confidential
Information.  None of the parties hereto shall make any disclosure to the public
or concerning the Merger, this Agreement or the transactions contemplated hereby
other than with the express written consent of the other parties hereto,  except
as may  be  required  by  law,  or by  rule,  regulation  or  announcement  of a
governmental or quasi-governmental agency. To the extent reasonably practicable,
any press  release  proposed to be issued by any party hereto shall be submitted
to  the  other  parties  hereto  for  approval,  which  approval  shall  not  be
unreasonably withheld or delayed.

         SECTION 7.3 Further Assurances. Each party hereto agrees to execute and
deliver such instruments and take such other actions as any other such party may
reasonably request in order to carry out the intent of this Agreement.

         SECTION 7.4 Preparation of Required  Filings.  Access One and Newco, on
the one hand,  and OmniCall,  on the other hand,  shall (a)  cooperate  with one
another in  determining  whether any filings are required to be made or consents
or approvals are required to be obtained in any  Jurisdiction in connection with
the consummation of the transactions  contemplated hereby and in making any such
filings  promptly and in seeking to obtain in a timely fashion any such consents
or approvals,  and (b) use their best efforts to cause the  satisfaction  of the
conditions  within their control to the others'  obligation at the Closing.  The
respective  parties  shall each  furnish  to one  another  and to one  another's
counsel  all  such  information  as may be  required  in order  to  fulfill  the
foregoing obligations.

         SECTION 7.5  Representations  to Remain  Accurate.  None of the parties
hereto will take,  agree to take, or knowingly  permit to be taken any action or
do or knowingly  permit to be done anything in the conduct of its  business,  or
otherwise,  which  would  cause  any of the  respective  representations  of the
parties  contained  herein to be or become untrue in any material  respect on or

                                       41
<PAGE>

before Closing.

         SECTION 7.6 Best Efforts. Each of the parties hereto will utilize their
respective  best efforts to cause all  conditions  to Closing for which they are
responsible to be satisfied on or before Closing.

                                  ARTICLE VIII
                          CONDITIONS TO OBLIGATIONS OF
                          ACCESS ONE, NEWCO, AND BARITZ

         The obligations of Access One,  Newco,  and Baritz under this Agreement
to consummate the Merger shall be subject to the satisfaction,  or to the waiver
by them in the manner  provided by Section  13.4, on or before the Closing Date,
of each of the following conditions:

         SECTION 8.1  Representations  and Warranties.  The  representations and
warranties  of  OmniCall  and  the  Principal  Shareholders  contained  in  this
Agreement or in any Schedule or certificate  delivered  pursuant hereto shall be
complete and correct as of the date when made,  shall be deemed  repeated at and
as of the Closing Date as if made on the Closing Date and shall then be complete
and correct.

         SECTION  8.2  Performance  of  Covenants.  OmniCall  and the  Principal
Shareholders  shall have  performed  and complied in all material  respects with
each  covenant,  agreement  and  condition  required  by  this  Agreement  to be
performed or complied with by them prior to or on the Closing Date.

         SECTION  8.3  Update  Certificate.  Access  One and  Newco  shall  have
received favorable certificates,  dated the Closing Date, signed by OmniCall and
each of the Principal  Shareholders  as to the matters set forth in Sections 8.1
and 8.2.

         SECTION 8.4 No Governmental or Other Proceeding or Litigation. No order
of any court or  administrative  agency  shall be in effect  that  restrains  or
prohibits  any  transaction  contemplated  hereby or that would  limit or affect
Access One's or Newco's  ownership or operation of the business of OmniCall;  no
suit, action,  investigation,  inquiry or proceeding by any governmental body or
other person or entity shall be pending or threatened  against Access One, Newco
or OmniCall that challenges the validity or legality,  or that seeks to restrain
the consummation, of the transactions contemplated hereby or that seeks to limit
or otherwise affect Access One's or Newco's right to own or operate the business
of  OmniCall;  and no written  advice  shall have been  received  by Access One,
Newco,  OmniCall or by any of their  respective  counsel  from any  governmental
body,  and remain in effect,  stating that an action or proceeding  will, if the
Merger  is  consummated  or  sought  to be  consummated,  be  filed  seeking  to
invalidate  or restrain the Merger or limit or otherwise  affect Access One's or
Newco's ownership or operation of the business of OmniCall.

         SECTION 8.5 Approvals and Consents.  All approvals of  applications  to
public

                                       42
<PAGE>

authorities,  federal, state, local or foreign, and all consents or approvals of
any non-governmental persons (including the Private Consents) who are parties to
Contracts  to which  OmniCall  is a party or to which  properties  or  assets of
OmniCall are subject, the granting of which is necessary for the consummation of
the Merger or for preventing the termination of any material  right,  privilege,
license or agreement of OmniCall or any material loss or  disadvantage to Access
One or the  business  of  OmniCall  by reason  of the  Merger,  shall  have been
obtained, and no such consent or approval shall have imposed a condition to such
consent or approval that, in the  reasonable  opinion of Access One, will have a
material adverse effect on the consolidated  financial position or operations of
Access One or on the business of OmniCall.

         SECTION 8.6 Opinion of Counsel. OmniCall shall have delivered to Access
One, Newco, and Baritz an opinion of Hunter & Tomaszek,  P.A., dated the Closing
Date and addressed to Access One, Newco, and Baritz, as to the matters set forth
on Exhibit E hereto, in form and substance  reasonably  acceptable to Access One
and its counsel.

         SECTION 8.7 Shareholder  Approval.  This Agreement shall have been duly
approved  and  adopted  at or prior to the  Effective  Time of the Merger by the
requisite vote of the shareholders of OmniCall in accordance with the SCBCA.

         SECTION 8.8 Material  Adverse Change.  No Material  Adverse Change with
respect to OmniCall  shall have occurred  after the date hereof  (including  any
Material  Adverse  Change)  resulting from the failure of William Rogers to fund
the operations of OmniCall after August 25, 1999 as  contemplated in Section 6.5
above.

                                   ARTICLE IX
      CONDITIONS TO OMNICALL'S AND THE PRINCIPAL SHAREHOLDERS' OBLIGATIONS

         The obligations of OmniCall and the Principal  Shareholders  under this
Agreement to consummate the Merger shall be subject to the  satisfaction,  or to
the waiver by OmniCall in the manner  contemplated by Section 13.4, on or before
the Closing Date, of each of the following conditions:

         SECTION 9.1  Representations  and Warranties.  The  representations and
warranties  of  Access  One and  Newco  contained  in this  Agreement  or in any
Schedule or certificate  delivered pursuant hereto shall be complete and correct
as of the date when made, shall be deemed repeated at and as of the Closing Date
as if made on the Closing Date and shall then be complete and correct.

         SECTION 9.2  Performance of Covenants.  Access One and Newco shall have
performed and complied in all material  respects with each  covenant,  agreement
and  condition  required by this  Agreement to be performed or complied  with by
them prior to or on the Closing Date.

         SECTION  9.3  Update  Certificate.   OmniCall  shall  have  received  a
favorable certificate, dated the Closing Date, signed by Access One and Newco as
to the matters set forth in Section 9.1

                                       43
<PAGE>

and 9.2.

         SECTION 9.4 No Governmental or Other Proceeding or Litigation. No order
of any court or  administrative  agency  shall be in effect  that  restrains  or
prohibits the Merger; no suit, action,  investigation,  inquiry or proceeding by
an  governmental  body or other person or entity shall be pending or  threatened
against Access One, Newco or OmniCall that  challenges the validity or legality,
or that seeks to restrain the consummation of the Merger;  and no written advice
shall have been  received by Access  One,  Newco,  OmniCall or their  respective
counsel from any governmental body, and remain in effect, stating that an action
or proceeding will, if the Merger is consummated or sought to be consummated, be
filed seeking to invalidate or restrain the Merger.

         SECTION 9.5 Approvals and Consents.  All approvals of  applications  to
public authorities,  federal,  state local or foreign,  the granting of which is
necessary for the consummation of the Merger, shall have been obtained.

         SECTION  9.6  Opinion of Counsel.  Access One shall have  delivered  to
OmniCall and the Principal Shareholders an opinion of Dreier & Baritz, LLP dated
the Closing Date and addressed to OmniCall and the Principal Shareholders, as to
the  matters  set forth on  Exhibit F hereto  in form and  substance  reasonably
acceptable to OmniCall, the Principal Shareholders, and their counsel.

         SECTION 9.7 Shareholder  Approval.  This Agreement shall have been duly
approved  and  adopted  at or prior to the  Effective  Time of the Merger by the
requisite vote of the  shareholders  of Access One in accordance  with the NJBCA
and Newco in accordance with the FBCA.

         SECTION 9.8 Material  Adverse Change.  No Material  Adverse Change with
respect to Access One shall have occurred after the date hereof.

                                    ARTICLE X
                              CLOSING; CLOSING DATE

         Unless this Agreement  shall have been terminated and the Merger herein
contemplated   shall  have  been   abandoned   pursuant   to  Article   XI,  and
notwithstanding anything in this Agreement to the contrary, the Closing shall be
held as soon as  practicable  after the  obtaining of all consents and approvals
required  pursuant to Sections 8.5 and 9.5 (to the extent the obtaining  thereof
has not been waived by the party or other entity  entitled to grant such waiver)
at the offices of Access One.  At such time (the  "Closing  Date") and place the
documents referred to in Section 2.7 and Articles VIII and IX shall be exchanged
by the parties and, as soon as  practicable  thereafter,  the Articles of Merger
shall be filed with the offices of the  Secretary of State of the State of South
Carolina,  New  Jersey,  and  Florida;  provided,  however,  that  if any of the
conditions  provided for in Article VIII or IX shall not have been met or waived
by the date on which the Closing is  otherwise  scheduled,  then the party whose
obligations are subject to the  satisfaction of such condition shall be entitled
to postpone the Closing by notice to the other parties  until such  condition or
conditions  shall have been met (which such other parties shall seek to cause to
happen at the earliest practicable date) or waived.

                                       44
<PAGE>

                                   ARTICLE XI
                                   TERMINATION

         This Agreement may be terminated and the Merger may be abandoned before
the Effective Time of the Merger, notwithstanding any approval of this Agreement
by the  shareholders  of OmniCall or by Access One, in its  capacity as the sole
shareholder of Newco:

         (a) by the mutual consent in writing of Access One, Newco and OmniCall;

         (b) by Access One and Newco, or by OmniCall,  at any time after January
31,  2000 (or such later date as shall have been  agreed to in writing by Access
One and OmniCall), if at the time notice of such termination is given the Merger
shall  not have  become  effective  other  than as a result  of a breach of this
Agreement by any of the parties giving such notice of termination;

         (c)  by   Access   One  or  Newco  if   there   has  been  a   material
misrepresentation  by  OmniCall  or the  Principal  Shareholders,  or a material
breach on the part of OmniCall  or the  Principal  Shareholders  of any of their
warranties or covenants set forth herein,  or a material  failure on the part of
OmniCall  or the  Principal  Shareholders  to  comply  with any of  their  other
obligations   hereunder;   or  by   OmniCall   if  there  has  been  a  material
misrepresentation  by Access One or Newco,  or a material  breach on the part of
Access One or Newco of any of their warranties or covenants set forth herein, or
a  material  failure  on the part of Access  One or Newco to comply  with any of
their other obligations hereunder.

The  exercise of the power of  termination  provided in this Article XI shall be
effective  only  after  written  notice  thereof,  signed on behalf of the party
exercising such power by its duly authorized  officer,  shall have been given to
the other  parties.  If this  Agreement is terminated  in  accordance  with this
Article XI, the Merger shall be abandoned  without  further  action by OmniCall,
Newco, or Access One.

                                   ARTICLE XII
                                 INDEMNIFICATION

         SECTION  12.1  Survival  of   Representations.   All   representations,
warranties,  covenants and agreements of the parties  hereto shall survive,  the
execution and delivery of this Agreement, and any Closing hereunder for a period
of eighteen (18) months.

         SECTION  12.2  Indemnification  of Access One and Newco by OmniCall and
the  Principal  Shareholders.  OmniCall and the  Principal  Shareholders  hereby
indemnify and agree to hold Access One and Newco and their respective  officers,
directors and  employees (an "Access One  Indemnified  Person")  harmless  from,
against and in respect of :

         (a) any and all loss,  liability or damage suffered or incurred by such
Access One

                                       45
<PAGE>

Indemnified Person by reason of any untrue representation, breach of warranty or
nonfulfillment of any material  covenant by OmniCall  contained herein or in any
Schedule,  certificate,  document or instrument  delivered by OmniCall to Access
One or Newco pursuant hereto or in connection herewith; and

         (b)  any  and  all  actions,  suits,   proceedings,   claims,  demands,
assessments,  judgments, costs and expenses including, reasonable legal fees and
expenses,  incident to any of the  foregoing  or incurred  in  investigating  or
attempting  to  avoid  the  same or to  oppose  the  imposition  thereof,  or in
enforcing this indemnity.

         SECTION  12.3 Access  One's,  Baritz's and Newco's  Indemnification  of
OmniCall and the Principal Shareholders.  Access One, Baritz, and Newco, jointly
and  severally,  hereby  indemnify  and agree to hold OmniCall and the Principal
Shareholders and their respective  officers,  directors,  and employees harmless
from, against and in respect of :

         (a) any and all loss,  liability  or damage  suffered  or  incurred  by
OmniCall, a Principal  Shareholder or any such officer,  director or employee by
reason of any untrue representation, breach of warranty or nonfulfillment of any
covenant  by  Access  One  or  Newco  contained   herein  or  in  any  Schedule,
certificate, document or instrument delivered by Access One or Newco to OmniCall
or such Principal Shareholder pursuant hereto or in connection herewith; and

         (b)  any  and  all  actions,  suits,   proceedings,   claims,  demands,
assessments,  judgments, costs and expenses, including reasonable legal fees and
expenses,  incident to any of the  foregoing  or incurred  in  investigating  or
attempting  to  avoid  the  same or to  oppose  the  imposition  thereof,  or in
enforcing this indemnity.

         SECTION 12.4 Certain Limitations on Indemnification.(a) Notwithstanding
anything  to  the  contrary   contained  in  this  Article  XII,  no  claim  for
indemnification under Section 12.2 or 12.3 shall be made unless any single claim
or group of claims (whether or not related) exceeds One Hundred Thousand Dollars
($100,000.00),  and in the case of  claims in  excess  of One  Hundred  Thousand
Dollars  ($100,000.00),  the initial One Hundred Thousand Dollars  ($100,000.00)
shall be subject to indemnification.

         (b) A Principal  Shareholder or Baritz shall be entitled to satisfy any
obligations of indemnification  hereunder,  in whole or in part, by surrendering
shares of Access One Common Stock as appropriate.

                                  ARTICLE XIII
                            MISCELLANEOUS PROVISIONS

         SECTION 13.1  Entirety of  Agreement.  This  Agreement  (including  all
Schedules  and  Exhibits   hereto),   together  with  the  other  documents  and
certificates  delivered  hereunder,  state the entire  agreement of the parties,
merge all prior negotiations,  agreements and understandings,  if any,

                                       46
<PAGE>

and state in full all  representations,  warranties  and  agreements  which have
induced this Agreement,  except that any confidentiality  agreements  heretofore
executed and  delivered  by the parties  hereto shall not be so merged and shall
continue in full force and effect.  Each party agrees that in dealing with third
parties no contrary representations will be made.

         SECTION  13.2  Notices.  All  notices and demands of any kind which any
party  hereto may be  required or desire to serve upon  another  party under the
terms of this Agreement  shall be in writing and shall be served upon such other
party, and their legal counsel: (a) by personal service upon such other party at
such other party's  address set forth on the signature  pages of this Agreement;
or (b) by mailing a copy  thereof  by  certified  or  registered  mail,  postage
prepaid,  with return  receipt  requested,  addressed to such other party at the
address of such other party set forth on the signature  pages of this Agreement;
or (c) by  sending a copy  thereof  by Federal  Express  or  equivalent  courier
service,  addressed  to such other  party at the address of such other party set
forth on the signature pages of this Agreement; or (d) by sending a copy thereof
by facsimile to such other party at the facsimile  number, if any, of such other
party set forth on the signature pages of this Agreement.

         In case of service by Federal Express or equivalent  courier service or
by facsimile or by personal service,  such service shall be deemed complete upon
receipt.  In the case of service by mail,  such service shall be deemed complete
upon reasonable proof of receipt.  The addresses and facsimile numbers to which,
and persons to whose  attention,  notices and demands shall be delivered or sent
may be changed from time to time by notice served, as hereinabove  provided,  by
any party upon the other parties.

         SECTION 13.3 Amendment.  Subject to the provisions of the SCBCA, NJBCA,
and FBCA,  this  Agreement  may be modified or amended only by an  instrument in
writing, duly executed by all of the parties hereto.

         SECTION 13.4 Non-waiver. No waiver by any party of any term, provision,
covenant,  representation or warranty contained in this Agreement (or any breach
thereof)  shall be  effective  unless  it is in  writing  executed  by the party
against  which  such  waiver is to be  enforced;  no  waiver  shall be deemed or
construed  as a  further  or  continuing  waiver  of any such  term,  provision,
covenant,  representation  or warranty (or breach) on any other occasion or as a
waiver of any other term, provision, covenant, representation or warranty (or of
the breach of any other term, provision,  covenant,  representation or warranty)
contained in this Agreement on the same or any other occasion.

         SECTION 13.5  Counterparts.  For the  convenience  of the parties,  any
number of counterparts  hereof may be executed,  each such executed  counterpart
shall be deemed an original and all such counterparts  together shall constitute
one and the same instrument.

         SECTION  13.6  Assignment;  Binding  Nature;  No  Beneficiaries.   This
Agreement may not be assigned by any party hereto without the written consent of
the other parties.  This Agreement  shall be binding upon,  inure to the benefit
of,  and be  enforceable  by the  parties  hereto  and their  respective  heirs,
personal representatives,  legatees, successors and permitted assigns. Except as
otherwise

                                       47
<PAGE>

expressly provided in Article XII, this Agreement shall not confer any rights or
remedies  upon any person  other than the  parties  hereto and their  respective
successors, heirs, personal representatives, legatees and permitted assigns.

         SECTION 13.7 Headings.  The headings in this Agreement are inserted for
convenience only and shall not constitute a part hereof.

         SECTION 13.8 Governing  Law;  Consent to  Jurisdiction.  This Agreement
shall be governed by, and construed and enforced in accordance with, the laws of
the State of Florida  applicable to contracts made and to be entirely  performed
therein.  In the event of any controversy or claim arising out of or relating to
this  Agreement,  or the breach or alleged  breach  hereof,  each of the parties
hereto  irrevocably  (i) submits to the  non-exclusive  jurisdiction of the U.S.
District  Court for the  District  of Florida  (or,  if such court does not have
jurisdiction,  the courts of the State of  Florida),  (ii) waives any  objection
which it may have at any time to the laying of venue of any action or proceeding
brought in any such court, (iii) waives any claim that such action or proceeding
has been  brought in an  inconvenient  forum,  and (iv) agrees  that  service of
process or of any other papers upon such party by registered mail at the address
to which  notices are required to be sent to such party under Section 13.2 shall
be deemed good, proper and effective service upon such party.

         SECTION  13.9  Specific   Performance.   Each  of  the  parties  hereto
acknowledges  and agrees that the other parties would be damaged  irreparably in
the event any of the covenants  contained in this  Agreement,  in the Investment
Undertaking  are not  performed  in  accordance  with  their  specific  terms or
otherwise are breached.  Accordingly, each of the parties hereto agrees that the
other  parties  shall be entitled to an  injunction  or  injunctions  to prevent
breaches of the  covenants  contained in this  Agreement,  or in the  Investment
Undertaking  and to enforce  specifically  this  Agreement,  and the  Investment
Undertaking  in addition to any other remedy to which such other  parties may be
entitled at law or in equity,  without proving damages or that monetary  damages
would not be an adequate  remedy for such breach.  The remedies  provided for or
permitted by this Agreement shall be cumulative and the exercise by any party of
any remedy  provided  for herein or available  hereunder  shall not preclude the
assertion  or exercise by such party of any other right or remedy  provided  for
herein or available hereunder.

         SECTION  13.10  Severability.  Any term or provision of this  Agreement
that is declared  invalid or  unenforceable in any situation in any jurisdiction
shall not affect the  validity  or  enforceability  of the  remaining  terms and
provisions  hereof or the validity or  enforceability  of the offending  term or
provision  in any other  situation  or in any other  jurisdiction.  If the final
judgment  of a  court  of  competent  jurisdiction  declares  that  any  term or
provision hereof is invalid or unenforceable,  the parties hereto agree that the
court making the determination of invalidity or unenforceability  shall have the
power, and is hereby directed, to reduce the scope, duration or area of the term
or provision,  to delete specific words or phrases, or to replace any invalid or
unenforceable  term or  provision  with a term or  provision  that is valid  and
enforceable  and that comes closest to  expressing  the intention of the invalid
and unenforceable term or provision,  and this Agreement shall be enforceable as
so modified  after the  expiration of the time within which the judgement may be

                                       48
<PAGE>

appealed.

         SECTION 13.11 No Shop  Restriction.  From the date of execution of this
Agreement,  until  January  31, 2000 or until the  earlier  termination  of this
Agreement,  whichever  shall first occur,  neither  OmniCall  nor the  Principal
Shareholders will, directly or indirectly,  without the prior written consent of
Access  One and  Baritz,  entertain,  encourage,  participate  in,  or  initiate
discussions or accept any offer or engage in negotiations  with any corporation,
partnership,  person or  entity  other  than  Access  One,  Newco,  and  Baritz,
concerning any possible proposal  regarding any transaction  involving the sale,
merger, or disposition of all or any part of OmniCall or any of its assets.

         IN WITNESS  WHEREOF,  the parties hereto have caused this Agreement and
Plan of Merger to be duly executed this the day and year first above written.

In the presence of:                       ACCESS ONE COMMUNICATIONS CORP.

-------------------------------           By  /s/ Ken Baritz
                                             ------------------------------
                                              President

-------------------------------           And
                                              --------------------------------
                                              Secretary

                                          Address:      3427 N.W. 55th Street
                                                        Ft. Lauderdale, FL 33309
                                          Facsimile:    (954) 739-2476

-------------------------------           /s/ Ken Baritz
                                          ------------------------------
                                          Ken Baritz, individually
-------------------------------
                                          Address:      3427 N.W. 55th Street
                                                        Ft. Lauderdale, FL 33309
                                          Facsimile:    (954) 739-2476

         Continuation  of Signature  Page to Agreement  and Plan of Merger Dated
October 15, 1999 Among  Access One  Communications  Corp.  OmniCall  Acquisition
Corp., and OmniCall, Inc.

                                          OMNICALL ACQUISITION CORP.

                                       49
<PAGE>

-------------------------------         By /s/ Ken Baritz
                                          ------------------------------
                                           President
-------------------------------
                                        And /s/ Elizabeth Stallings
                                            ------------------------------
                                            Secretary

                                        Address:      3427 N.W. 55th Street
                                                      Ft. Lauderdale, FL 33309
                                        Facsimile:    (954) 739-2476

                                        OMNICALL, INC.

-------------------------------         By /s/ Larry K. Long
                                           --------------------------------
                                            President
-------------------------------
                                        And /s/ Robert J. Rogers
                                            ----------------------------------
                                            Secretary

                                        Address:    430 Woodruff Road, Suite 450
                                                    Greenville, SC 29607
                                        Facsimile:  (864) 297-4797

                                        OMNICALL, INC. PRINCIPAL SHAREHOLDERS:

-------------------------------         /s/ William M. Rogers
                                        ------------------------------------
                                        Rogers Family Investments, L.P., by
-------------------------------         William M.M. Rogers, President of Rogers
                                        Family Investments, LLC, its General
                                        Partner

                                        Address:    430 Woodruff Road, Suite 300
                                                    Greenville, SC 29607
                                        Facsimile:  (864) 234-0262

         Continuation  of Signature  Page to Agreement  and Plan of Merger Dated
October 15, 1999 Among  Access One  Communications  Corp.  OmniCall  Acquisition
Corp., and OmniCall, Inc.

                                       50
<PAGE>

-------------------------------        /s/ Frank G. Rogers--Partner
                                       ---------------------------------------
                                       Rogers Family Properties, L.P., by Frank
-------------------------------        G. Rogers, President of Rogers Family
                                       Management Company, LLC, its General
                                       Partner

                                       Address:     430 Woodruff Road, Suite 300
                                                    Greenville, SC 29607
                                       Facsimile:   (864) 234-0262

-------------------------------        /s/ Robert J. Rogers
                                       -------------------------------------
                                       Robert J. Rogers
-------------------------------
                                       Address:    219 Georges Highway
                                                   Simpsonville, SC 29681

-------------------------------        /s/ Larry K. Long
                                       ---------------------------------------
                                       Larry K. Long
-------------------------------
                                       Address:     430 Woodruff Road, Suite 450
                                                    Greenville, SC 29607
                                       Facsimile:   (864) 297-4797

         Continuation  of Signature  Page to Agreement  and Plan of Merger Dated
October 15, 1999 Among  Access One  Communications  Corp.  OmniCall  Acquisition
Corp., and OmniCall, Inc.

                                       51

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