Document:

Auracall Limited Agreement

Our wholly owned subsidiary,  Swiftnet,  Ltd., has a February 18, 2003 agreement
involving  Auracall  Limited,  the  agreement of which is titled  "Formation  of
Newco". The agreement provides that Dr. Nissim Levy and Swiftnet, will establish
a company, Newco, for the purpose of developing telecommunication business based
on  non-geographic  numbers,  which are  identified  in the  agreement  as using
Swiftnet  premium numbers bands for customers to call  international or national
destinations paying British Telecom directly while British Telecom payment Newco
through Swiftnet. The agreement further provides that:

      a) The first stage of the budget for the company  will not exceed  100,000
United Kingdom pounds;

      b) Dr. Levy will loan 75% of the ongoing  expenses  for 100% of the shares
in Auracall;

      c) Swiftnet  will loan 25% of the ongoing  expenses  and provide cost plus
prices as well as  management  advice and  technical  time to receive 50% of the
shares of Newco or in case of a  dilution,  to receive the same amount of shares
to Dr. Levy;

      d) Newco will repay the loans only from net profits and once the loans are
repaid,  Swiftnet  and Dr.  Levy  will be  entitled  to the  exact  amount  of a
fee/profit share;

<PAGE>

                               FORMATION OF NEWCO

1.    Dr. Levy and Swiftnet Ltd. (Swiftnet) (or assignees) will establish a
      company - Newco - for the purpose of developing telecommunication business
      based on Non-geographical Numbers 1.

2.    For the first stage the budget will not exceed the amount of
      (pound)100,000. Any increase of the budget will require both parties'
      approval.

3.    Dr. Levy will finance by way of a loan, 75% of the ongoing expenses for
      one hundred percents of the shares.

4.    Swiftnet Ltd will finance by way of a loan, 25% of the ongoing expenses
      and provide cost plus prices2 as well as management advice and technical
      support (customer support for the first two months) for a n option, at any
      time, to receive 50% of the shares of Newco or in case of a dilution, to
      receive the same amount of shares as Dr. Levy. Swiftnet can assign this
      option to any assignee as long as Swifnet continues to provide the service
      according to the agreement. Swiftnet will sell the service to Newco and
      will be responsible for the technical side. Swiftnet will do its best to
      make the service available to Newco within 90 days. Swiftnet undertakes to
      exhibit to Newco all licenses or other permissions / documents necessary
      for the operation of its business.

5.    Newco will repay the loans only from net profits. Any decision about
      repayments will have to be decided by the board of directors with veto
      rights to both sides. In case Swiftnet does not exercise its option, it
      will be entitled to management fees equal to the monies that Dr. Levy will
      be entitled to receive from Newco. It is further agreed that one the loans
      are repaid, Swiftnet and Dr. Levy (or assignees) will be entitled to the
      exact same amounts as a fee / profit share. This does not include payments
      to Swiftnet for services, office rent charges to Swiftnet / Dr. Levy or
      other similar expenses. Before any profit distribution, all loans that are
      related to the parties will have to be paid back.

6.    Dr. Levy and Swiftnet, if possible, will allow Newco to use their
      respective offices for a 2-month duration without cost.

1 Activities/Services: Use of Swiftnet premium numbers bands for customers to
call International or national destinations paying BT directly while BT pays the
company (through Swiftnet).

2 Calculated by carrier cost + 15 percent to cover costs like BT's rent,
necessary infrastructure and 2411 technical support lines.

<PAGE>

SN has the right to refuse a customer or to renegotiate percentage fee for large
customers with low margins.

e)    Auracall will have the right to sell other services and products that SN
      offers or will offer in the future for the best wholesale price available.

f)    The company board of directors will be comprised of 4 members. 2 nominated
      by SN and 2 by DK. All decisions (Expenses, recruitments, strategy,
      investments, dilutions, dividends, marketing initiatives, accounting,
      finance etc.) will be made by the board of directors and will not be valid
      without signed minutes with signatures from at least one representative
      from each side (DK and SN). In order to conduct a meeting, a quorum of
      three directors, as long as there is one from each side, will be
      sufficient. Signed proxies are also allowed. Both sides will have full
      veto rights on any decision in the board or outside the board. Veto rights
      will be effective immediately and must be exercised in writing.

g)    Auracall will operate according to an agreed Business Plan (by a board
      resolution) and decide on each investment and expense based on the
      viability of the opportunity.

h)    Both parties will make available their contacts, connections and influence
      for the success of Auracall.

3.    Once the current agreement SN and NL mentioned in item 1 above will be
      fulfilled, DK salary will be reinstated to 50,000 Pounds P/A and SN will
      receive 24,000 pounds P/A as management / consultancy fees. Further salary
      / fees increase will be agreed together mutually (DK and SN).

4.    DK as the manager of the company, after the acceptance of the shares from
      NL will receive the following bonus: If Auracall reaches 150,000 Pounds a
      month turnover (calculated on three consecutive months, calculated based
      on the Swiftnet invoice of British Telecom) within 2 years from the date
      that the arrangement between SN and NL will be finalized, then Auracall
      will issue to DK further shares from treasury to the level that DK will
      hold 67.5% of the company and SN will hold 32.5% of the company provided
      that DK is still the managing director of Auracall and holds 40 percent or
      more of the shares in it.

5.    This agreement will take effect after the arrangement between DK and NL
      will be finalized.

6.    This agreement will be governed according to the laws of England and
      Wales.

/s/ Dan Kirschner                /s/
-------------------------        ---------------------------
Dan Kirschner                    Swiftnet Ltd.

Date: 21.8.2003                  Date: 21.8.03
      ---------                        -------Updated 6-14-02
Final PDF 2-20-03
                                                                   Exhibit 10.22
                                 SNARC ADDENDUM
                           ITXC.NET SERVICES AGREEMENT

      THIS  ADDENDUM  ("Addendum")  is  attached to and made a part of a certain
ITXC.Net  Services  Agreement  entered  into on February 20, 2003 by and between
ITXC Corp, a Delaware  corporation  ("ITXC") and Swiftnet  Ltd.  ("Company"),  a
______  corporation,  (collectively  the "Parties" or  individually  a "Party"),
(Capitalized  terms used and not defined  shall have the same meanings set forth
in the Agreement.)

      1. DEFINED TERMS. Unless the context otherwise requires  capitalized terms
used and not defined herein shall gave the meanings set forth in the Agreement.

      2. ITXC EQUIPMENT. Upon execution of this Addendum, ITXC at its sole cost,
shall  purchase  and  furnish to  Company  the  equipment,  it deems at its sole
discretion to be reasonably  necessary to assist  Company in the  performance of
its obligations hereunder,  including, without limitation, IP telephony gateways
(collectively,  the "ITXC Equipment"), which Equipment includes the items listed
on Exhibit C to this Addendum, to be collocated with Company's switch. The items
of ITXC  Equipment  (gateways)  in  connection  with the services to be provided
hereunder,  shall be determined based upon the projected traffic to be exchanged
by the  Parties.  ITXC  reserves  the right to  increase  or  decrease  the ITXC
Equipment in connection  with the Services.  ITXC shall provide  Company with at
least 5 days notice if the ITXC  Equipment  is to be  increased  and at least 10
days notice if it will be decreased [except where otherwise provided].

      3.  SERVICES TO BE  PROVIDED.  In addition to the  Services to be provided
under  the  Agreement,  ITXC  shall  provide  remote  management,   maintenance,
operation and support of the ITXC Equipment and any related equipment.

      4. COMPANY SERVICE RESPONSIBILITIES. Company is responsible to provide, at
its own cost and expense,  the necessary amount of bandwidth,  PSTN lines, clear
channel IP data lines, hubs, routers,  switches, and any additional equipment or
facilities as may be required to meet the gateway capacity  provided by the ITXC
Equipment.  ITXC shall provide  Company with a written  request  specifying  the
amount of bandwidth and lines necessary for the ITXC Equipment.  Company further
agrees that the ITXC  Equipment  shall be dedicated to ITXC traffic only and may
not be used for any other Company's traffic.  In the event of failure by Company
to comply with the terms of this provision,  it shall be deemed a default of the
Agreement, and ITXC may immediately suspend Services or terminate the Agreement.

      5. OWNERSHIP OF EQUIPMENT/FACILITIES.

            (a) Title to the ITXC Equipment shall at all times remain with ITXC.
None of the ITXC Equipment shall be, and none shall be deemed to be, property of
the Company.  Company  agrees to execute any documents  reasonably  requested by
ITXC to evidence ITXC's continued ownership of the ITXC Equipment. No portion of
the ITXC Equipment, including without limitation, any gateways, lines or related
equipment shall be deemed a fixture, notwithstanding any method of affixation to
the  property,  premised  or the  building  or any  applicable  law or  doctrine
relating to fixtures.

            (b) Company  acknowledges  and agrees that ITXC has located the ITXC
Equipment in Company's premises solely as an accommodation to Company.  Under no
circumstances  shall  Company  represent  to any person that  Company  owns,  or
removes any  identifiers  of ITXC's  ownership on, the ITXC  Equipment.  Company
covenants  that it will  not  assert  (i) any  ownership  interest  in the  ITXC
Equipment, or (ii) any right to own, possess, hold or retain the ITXC Equipment.

            (c) In the event  Company  shall  file,  or become the subject of, a
petition  seeking relief under any applicable  bankruptcy  laws,  Company agrees
that it will not assert that the ITXC Equipment is property of Company's estate.
Company  further  agrees that,  to the extent that an automatic  stay or similar
provision is applicable to ITXC or the ITXC Equipment,  Company,  for itself and
its successors and assigns, will not oppose any request by ITXC to obtain relief
from such  provision,  and at ITXC's  request,  will consent to such relief,  in
order to permit ITXC to preserve and protect the ITXC  Equipment  and further to
permit ITXC or its agent to remove the ITXC Equipment from Company's premises.

ITXC CONFIDENTIAL AND PROPRIETARY - DO NOT DISTRIBUTE
                                               INITIALS:  ITXC ____ COMPANY ____

<PAGE>

            (d) In the event  that the ITXC  Equipment  is  damaged,  destroyed,
rendered  inoperable,  removed without the express  authorization of ITXC and/or
returned upon request by ITXC,  then Company shall be liable for the replacement
cost of the  ITXC  Equipment  and ITXC  shall  have the  right  to  offset  said
replacement cost against any amounts owed by ITXC to Company.

            (e) If Company is in default under the  Agreement or this  Addendum,
then in addition to any of the remedies  contained in the Agreement,  ITXC shall
reserve the right to suspend service and remove the ITXC Equipment  immediately,
without  notice  or  any  further  liability  to  Company.  Notwithstanding  the
foregoing, if Company is in default due to any insolvency, bankruptcy assignment
for the  benefit of  creditor,  appointment  of a trustee or receiver or similar
event with respect to the Company,  then ITXC shall have the right to remove the
ITXC Equipment immediately,  without notice to Company, and if necessary ITXC or
its vendors may enter the premises, as well as access to any conduits, chaseways
or other  areas,  where such  items are  located  and remove the ITXC  Equipment
without prior notice to the Company. ITXC shall have no liability to Company for
such removal.

      6. COMPANY'S RESPONSIBILITIES WITH RESPECT TO THE ITXC EQUIPMENT.

      Company shall: (a) provide  technical  personnel within 2 business days of
receipt of ITXC  Equipment  in order to support  ITXC in the basic  installation
procedures  required for the ITXC  Equipment;  (b) operate the ITXC Equipment in
strict compliance with ITXC's technical  documentation;  (c) not alter or modify
ITXC Equipment except as specifically  prescribed by ITXC; (d) extend a standard
of care for the ITXC  Equipment no less  stringent that the Company uses for its
own  equipment,  but in no event  less than a  reasonable  degree  of care;  (e)
include the ITXC Equipment in any insurance policy against loss, theft or damage
that the Company has for its own  equipment or  facilities  and provide ITXC, at
ITXC's request,  of proof of such  insurance;  and (f) provide ITXC or its agent
with  access at all times to any space that ITXC or its agent  requires  for the
maintenance  of  ITXC's  Equipment,  facilities  and  lines or  removal  of ITXC
Equipment.  In  addition,  in the event  that the ITXC  Equipment  is reduced or
removed,  the Company will use  reasonable  care and fully  cooperate in removal
activities,  including packing and return shipping of the ITXC Equipment back to
the ITXC-designated location.

      7. COMPANY COMPLIANCE FOR CUBA.

      Company  acknowledges that Company,  its agents and/or through third party
agreements are providing  their own and/or third party equipment for termination
in Cuba and in no case  shall  ITXC  engage in any  transaction  (including  the
negotiation  of any contract  term)  related to the  exportation  to Cuba of any
equipment  from the  United  States  or from a third  country.  Company  further
acknowledges  that  payments  for calls  terminating  in Cuba  shall not  exceed
existing U.S.  guidelines  (currently a $0.60 per minute settlement rate, plus a
$1.00  surcharge per message for collect  calls  originating  in Cuba),  whether
payment  is made  directly  to ETECSA or  indirectly  through a Foreign  Service
Provider (FSP).

      8. SECURITY.

      INTENTIONALLY LEFT BLANK.

      9. NO MODIFICATION;  CONFLICT. Except as specifically modified and amended
herein, all terms and conditions of the Agreement are hereby ratified and remain
in  full  force  and  effect.  Company  hereby  reaffirms  all  representations,
warranties and covenants  contained  herein.  In the event of a conflict between
the terms of this  Addendum  and the  Agreement,  terms of this  Addendum  shall
control.  This  Addendum  may not be  modified  except in writing by  authorized
representatives of the Parties.

ITXC CONFIDENTIAL AND PROPRIETARY - DO NOT DISTRIBUTE
                                               INITIALS:  ITXC ____ COMPANY ____

<PAGE>

Updated 6-14-02
Final PDF 2-20-03

      10. ENTIRE  AGREEMENT.  This Addendum and the Agreement  embody the entire
agreement and  understanding  of the Parties with respect to the subject  matter
covered herein. There are no restriction, promises, representations, warranties,
covenants or  undertakings  other than those  expressly set forth or referred to
herein.

      IN WITNESS  WHEREOF,  the  Parties  have  executed  this  Addendum  to the
ITXC.net Services Agreement as of the day and year written above.

ITXC:                                   Swiftnet Ltd.:
ITXC Corp

By:                                     By: /s/ A. Kelnan
    ---------------------------------       ---------------------------------

Name:                                   Name: A. Kelnan
      -------------------------------         -------------------------------

Title:                                  Title:  MD
       ------------------------------          ------------------------------

Revised 4-11-02
Final  PDF 2-20-03

                         ITXC.NET(SM) SERVICES AGREEMENT

      THIS  ITXC.NET(SM)  SERVICES  AGREEMENT  ("Agreement") is made and entered
into as of this 20th day of February  2003  ("Effective  Date"),  by and between
ITXC CORP., a Delaware corporation,  with a principal office at 750 College Road
East, Princeton,  New Jersey 08540 ("ITXC") and Swiftnet Ltd. ("Company"),  a UK
corporation  with a principal  office at  Britannia  House 960 High Road London,
England N129RY (each a "Party" and jointly, the "Parties").

      The  Parties  wish to provide  to and  purchase  from each  other  certain
internet Telephony and other services utilizing the Internet under the following
terms and conditions:

1.    SERVICES TO BE PROVIDED; RATES

Each  Party  agrees  to  provide  to and  purchase  from the  other  party,  the
service(s)  ("Services")  described in any  Services  Addenda  referencing  this
Agreement and incorporated by reference to this Agreement.

2.    TECHNICAL AND OPERATIONAL MATTERS.

2.1 Each party shall have  English-speaking  technical  support staff on duty 24
hours a day, 7 days a week.

2.2  Company  shall  adhere to all  reasonable  security  and  other  procedures
contained in this Agreement,  the ITXC documentation or any materials  otherwise
provided  by  ITXC.  ITXC  shall  notify  Company  of any  changes  to the  ITXC
documentation,  and Company  shall have 30 days after  receipt of such notice to
comply with the changes to the ITXC  Documentation or sooner, if ITXC reasonably
determines  that the security of  ITXC.net(SM)  is at risk. ITXC may immediately
suspend  Services if Company  fails to comply with the  procedures  set forth in
Section 2 or in the Services Addendum.

2.3 If, by mutual agreement of the Parties, ITXC dispatches an agent (or agents)
to a particular  location to assist  Company in the  deployment of the Services,
which assistance may include, but need not be limited to, technical support, and
upon such agent's (or agents') arrival at such location,  the agent (or agents')
cannot  provide the assistance for any reason other than a failure to perform by
ITXC,  including,  but  in no way  limited  to,  Company's  failure  to  provide
bandwidth, utilities, additional equipment, or facilities in operable condition,
then Company will pay ITXC an assistance  fee (the  "Assistance  Fee") of $1,000
per agent per day that such agent remains at the location and cannot provide the
assistance.  If an Assistance Fee is warranted,  it will be assessed,  at ITXC's
option, in one of two ways; (a) by ITXC adding it to any amount due to ITXC from
Company, or (b) by ITXC deducting it from any amount due to Company from ITXC.

3.    TERM; TERMINATION AND EQUIPMENT.

3.1 This  Agreement is effective for initial term of one year from the Effective
Date.  Thereafter,  the term of this  Agreement  shall  automatically  renew for
successive 90 day terms unless (i) a Party gives written notice of nonrenewal to
the other  Party at least 30 days prior to the  expiration  of the then  current
term or (ii) the Agreement has terminated in accordance with its terms.

3.2 Either  Party may  terminate  this  Agreement at any time upon 60 days prior
written notice to the other Party.

3.3 Either Party may suspend service, reduce service or terminate this Agreement
immediately, without any further liability to the other Party, if (a) such Party
fails to (i) pay any amount due under this  Agreement  within 10 days of the due
date of such amount;  or (ii) perform any other obligation under this Agreement,
and such  failure  continues  uncured  for a period of 30 days after the date of
written notice  identifying the breach to the  non-performing  Party; or (b) any
insolvency,  bankruptcy, assignment for the benefit of creditors, appointment of
a trustee or receiver or similar  event with respect to such Party has occurred;
or (c) if there is a  material  change in a Party's  financial  condition  which
would  represent a material  financial risk to the other Party; or (d) if either
Party  reasonably  determines that the security of their  respective  equipment,
network and/or services is at risk to interruptions, damage and/or fraud; or (e)
if Services  provided pursuant to this Agreement become subject to government or
other  regulation  and such  regulation  materially  affects  provisions of this
Agreement or the ability of a Party to perform its obligations hereunder.

3.4 Each Party's  obligation to make payments for charges  incurred prior to the
suspension or  termination of this  Agreement  shall survive such  suspension or
termination.

3.5 In the event that a Party is in default under this  Agreement,  and upon the
non-defaulting  Party's oral or written request,  the defaulting Party shall, at
its  expense,  immediately  return  any  equipment  owned  or  supplied  by  the
non-defaulting   Party's   request,   the  defaulting   Party  shall  allow  the
non-defaulting Party or its agent to physically inspect and/or physically remove
the equipment. Any party holding a security interest in any equipment shall have
the same right of access to the equipment.

3.6 In the event that this Agreement is terminated, each Party shall, at its own
expense,  immediately return any equipment owned or supplied by the other Party.
Upon request,  the Party in possession of the equipment shall allow the Party or
its agent in physically  inspect and/or  physically  remove the  equipment.  Any
party holding a security  interest in any equipment shall have the same right of
access to the equipments.

ITXC CONFIDENTIAL AND PROPRIETARY - DO NOT DISTRIBUTE
                                               INITIALS:  ITXC ____ COMPANY ____

Revised 4-11-02
Final PDF 2-20-03

4.    LIMITATION OF LIABILITY AND NO WARRANTY.

4.1 a. With the exception of payment obligations, the entire liability of either
Party  for any and all  claims,  losses or  damages  arising  out of  furnishing
Services or for any other reason, including omissions, interruptions, delays, or
errors, or other defects, or use of these Services or arising out of the failure
to furnish  the  Services,  shall be limited to the value of  Services  that are
actually  lost.  Neither  Party  shall be  liable  to the  other  Party  for any
indirect,  incidental,  special,  consequential,  exemplary,  punitive  or other
damages  as a result  of such  Party's  or its  agent's  service,  equipment  or
facilities,  or the acts or  omissions  or  negligence  of either  such  Party's
employees or agents.

      b. ITXC  shall not be liable  for any (i) act or  omission  of any  entity
furnishing  to ITXC or to Company's  facilities,  equipment or services  used in
connection  with the  ITXC.net(SM),  (ii)  damages or losses due to the fault or
negligence of Company or due to the failure or malfunction  of Company  provided
equipment,  software,  hardware or  facilities,  (iii) lack of  availability  or
performance of any telecommunications  systems, facilities or services under the
control of other entities,  or for other  facilities  provided by other entities
used for service to Company, or (iv) claims involving: (A) breach of the privacy
or  security  of   communications   transmitted  over   ITXC.net(SM);   (B)  any
representations made by ITXC employees that are inconsistent with the provisions
of this  Agreement;  or (C) any  noncompletion  of  calls  due to  network  busy
conditions or any other cause.

      c.  Except for sums due under this  Agreement,  each Party shall be deemed
conclusively  to have waived any claim  unless it makes such claim in writing to
the other  Party  within 90 days  after  the date the Party  knew or  reasonably
should have known of the occurrence that gave rise to the claim.

4.2 EXCEPT AS EXPRESSLY PROVIDED  OTHERWISE IN THIS AGREEMENT,  THE PARTIES MAKE
NO WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED,  IN CONNECTION WITH THE SERVICES,
ITXC.NET(SM)  OR  OTHER  PRODUCTS  OR  SERVICES  RENDERED,   INCLUDING,  WITHOUT
LIMITATION,  THE  IMPLIED  WARRANTIES  OF  MERCHANTABILITY  AND  FITNESS  FOR  A
PARTICULAR  PURPOSE,  NON-INFRINGEMENT,  OR WARRANTIES  ARISING FROM A COURSE OF
PERFORMANCE, COURSE OR DEALING OR TRADE USAGE.

4.3 THE  PARTIES  SPECIFICALLY  MAKE  NO  WARRANTY  WITH  RESPECT  TO  SOFTWARE,
TECHNOLOGY OR EQUIPMENT (COLLECTIVELY,  "TECHNOLOGY") PROVIDED OR USED HEREUNDER
BY EITHER PARTY AND DO NOT WARRANT THAT THE TECHNOLOGY  PROVIDED TO THE OTHER OR
USED HEREUNDER IS FREE FROM ERROR, SHALL OPERATE WITHOUT INTERRUPTION OR PROVIDE
SECURE  OPERATIONS.  NEITHER  ITXC NOR THE  OWNER OF ANY  TECHNOLOGY  USED BY OR
LICENSED TO ITXC SHALL BE RESPONSIBLE FOR THE UNINTENDED DELAY OR FAILURE OF ANY
SERVICE  CAUSED BY THE  FAILURE  OR DELAY OF  TECHNOLOGY  PROVIDED  BY ANY THIRD
PARTY.

5. Notices. All notices,  requests,  consents and other communications hereunder
except for rate changes which are specifically  addressed in the addenda,  shall
be in writing and shall be deemed  effectively  given and received upon delivery
in person,  or one business day after delivery by an  internationally-recognized
overnight  courier  service,  if sent  for next  business  day  delivery,  or by
facsimile  transmission with sender's transmission receipt, or five (5) business
days after deposit via certified or registered mail,  return receipt  requested,
in each case addressed as follows:

FOR NOTIFYING ITXC OF CHANGES TO RATES, DIAL PLANS, OR CODES:
ITXC Corp.
Attn.:  Telecom Rate Administrator
750 College Road East
Princeton, NJ 08540
Phone: +1 (609) 750-3499
Fax #1: +1 (609) 419-1520
E-mail: rateadmin@itxc.com

FOR ALL OTHER PRICING-RELATED INQUIRIES:
ITXC Corp.
Attn.:  Pricing Manager
750 College Road East
Princeton, NJ 08540
Phone: +1 (609) 419-1500
Fax #1: +1 (609) 419-1511
Email: pricing.manager@itxc.com

FOR BILLING-RELATED INQUIRIES;
ITXC Corp.
Attn.: Comptroller
750 College Road East
Princeton, NJ 08540
Phone: +1 (609) 419-1500
Fax #1: +1 (609) 419-1511
Email: comptroller@itxc.com

FOR ALL OTHER INQUIRIES:
ITXC Corp.
Attn.: General Counsel
750 College Road East
Princeton, NJ 08540
Phone: +1 (609) 419-1500
Fax #1: +1 (609) 750-3458
Email: legal@itxc.com

ITXC CONFIDENTIAL AND PROPRIETARY - DO NOT DISTRIBUTE
                                               INITIALS:  ITXC ____ COMPANY ____

                                     Page 2

Revised 4-11-02
Final PDF 2-20-03

SWIFTNET LTD.:
Attn Abrham Keinan
Britannia House 960 High Road
London, N129RY
Phone: 011 44 20 8446 9494
Fax: 011 44 8446 7010
Email: a.keinan@swiftnet.co.uk

BILLING CONTACT:
Attn: Same as above

RATE CHANGE CONTACT FOR TERMINATION:
Attn:  Same as above

RATE CHANGE CONTACT FOR ORIGINATION:
Attn:  Same as above

6. FRAUD;  MISTAKE.  If Company suspects or reasonably should have suspected any
mistake  and/or  fraudulent  activity  related  to the  subject  matter  of this
Agreement,  including,  without  limitation,  stolen  calling card or subscriber
identification numbers,  personal identification numbers and passwords,  Company
shall  provide  ITXC  immediate  written  notification  of such  mistake  and/or
fraudulent activity pursuant to the notice provision of this Agreement and shall
remain  responsible  for all costs and  expenses  incurred  between such time as
Company knew or reasonably  should have known of such mistake and/or  fraudulent
activity and the actual delivery of such notice to ITXC.

7.   NON-EXCLUSIVE.   Company  agrees  that  its  rights  to  use  Services  and
ITXC.net(SM)  are  non-exclusive  and that ITXC shall enter into agreements with
other parties to provide Services, purchase any services or use ITXC.net(SM).

8. FORCE MAJEURE.  If the  performance  of this Agreement is interfered  with by
reason of any circumstances  beyond the reasonable control of either Party, such
as war,  riot or act of God,  of a Party and such Party has  exercised  ordinary
care in the  prevention  thereof,  then the Party affected shall be excused from
such performance of this Agreement is interfered with due to a Force Majeure for
greater than fourteen (14) days,  either Party may terminate  this  Agreement by
providing five (5) days written notice.

9. NON-WAIVER.  The failure or delay in enforcing any provision hereof by either
Party shall in no way be  construed to be a waiver of such  provision  nor shall
such action be deemed a waiver of any other right available at law or in equity.

10. INTELLECTUAL  PROPERTY.  Any inventions developed by a Party during the term
of this Agreement shall be the property of that Party.

11. BRANDING;  PUBLICITY. This Agreement is not a license for Company to sell or
offer for sale goods or  services  under a  trademark  or service  mark of ITXC.
Additionally,  all use of any marks which are the  property of ITXC shall be for
the benefit of ITXC. Neither Party shall use the other Party's trademarks either
in connection  with the Services or otherwise  without the prior written consent
of the other Party. The Parties agree that no public statements or announcements
relating to this Agreement,  the Services or their relationship shall be made by
either   Party   without  the  prior   written   consent  of  the  other  Party.
Notwithstanding  the  foregoing,  ITXC shall have the right to announce and list
Company as a new or existing customer without further  consultation once service
has commenced and/or upon the execution of this Agreement.

12. ALTERNATIVE  DISPUTE  RESOLUTION.  Notwithstanding  anything to the contrary
herein,  any dispute arising pursuant to or in any way related to this Agreement
or  the  transactions   contemplated   hereby,   which  cannot  be  resolved  by
negotiation,  shall be settled by binding  arbitration  in London,  England,  in
accordance with the  J.A.M.S./ENDISPUTE  Arbitration  Rules and Procedures [(see
www.jamsadr.com)] provided, however, that nothing in this section shall restrict
the  right of either  Party to apply to a court of  competent  jurisdiction  for
emergency  relief  pending  final  determination  of a claim by  arbitration  in
accordance with this section.  Each Party shall pay its own expenses  associated
with such arbitration,  except for the costs of the arbiter, which cost shall be
borne  equally by the Parties.  The decision of the arbiter,  based upon written
findings of fact and conclusions of law, shall be binding upon the Parties,  and
judgment in  accordance  with that  decision  may be entered in any court having
jurisdiction  thereof.  In no event shall the arbiter be authorized to grant any
punitive,  incidental or consequential damages of any nature or kind whatsoever.
The Parties,  their  representatives,  other  participants and the arbiter shall
hold the  existence,  content,  and  result  of  mediation  and  arbitration  in
confidence to the maximum extent  permitted by law and all proceedings  shall be
conducted  in  English.  In no event may either  Party  withhold  payment on any
amount unless that amount is disputed in good faith.

13. GOVERNMENT OR OTHER REGULATION.  Each Party is independently responsible for
ensuring that its activities (including the offering or providing of services or
facilities)   shall  comply  with   applicable  laws  and  government  or  other
regulation.  Each Party shall  cooperate  with the other in defending any civil,
criminal  or other claim  threatened  or brought by any  governmental  agency or
third party.

14.  EXPORT  RESTRICTIONS.  Each Party agrees to comply with all export laws and
regulations  of the United  States or foreign  agency or  authority,  and not to
export  or allow  the  export  or  re-export,  directly  or  indirectly,  of any
proprietary  information  or software or any copy or direct  product  thereof in
violation of any such restrictions,  laws or regulations,  to any destination to
which such export or re-export is  restricted  or prohibited by U.S. or non-U.S.
law.

15.  REPRESENTATIONS AND WARRANTIES.  Each Party represents and warrants that it
has all requisite

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legal power and  authority to execute and deliver this  Agreement and to perform
its obligations hereunder.

16.   CONFIDENTIALITY.   The  definition,   specific   requirements,   care  and
restrictions  regarding all  confidential  information  shall be governed by the
Non-Disclosure and Confidentiality Agreement between the Parties, dated February
20, 2003.

17.  ASSIGNMENT.  The Agreement may not be assigned (nor may duties hereunder be
delegated) without the express written consent of the other Party, which consent
shall not be unreasonably  withheld;  provided that either Party may assign this
Agreement to any parent,  subsidiary or affiliated  entity,  or any entity which
acquires all or  substantially  all of its assets or business and shall  provide
the other  Party  with ten (10) days  written  notice  of such  assignment.  Any
purported assignment not permitted hereunder shall e void.

18. TAXES. Each Party is responsible for complying with and paying all taxes and
duties assessed by government and equivalent  authorities with jurisdiction over
its  activities.  If applicable,  Company agrees that ITXC may adjust the amount
due  under  this  Agreement  to  ensure  any  applicable  taxes are borne by the
appropriate Party.

19.  APPLICABLE LAW. This Agreement and any action  instituted by any Party with
respect to matters arising under this Agreement shall be governed by the laws of
the U.K., without giving effect to its conflicts of law provisions.

20.  RELATIONSHIP  OF THE PARTIES.  Each Party shall consider  itself under this
Agreement  as an  independent  contractor  and not as an agent,  partner,  joint
venturer,  franchise,  or  employee  of the other  Party,  and shall not bind or
attempt  to bind the other  Party to any  contract.  Nothing  contained  in this
agreement  shall be deemed to form a partnership  or joint  venture  between the
Parties.

21. NO THIRD  PARTY  RIGHTS.  This  Agreement  is not  intended  ad shall not be
construed  to create any rights or remedies  in any parties  other than ITXC and
Company,  and no person  shall  assert any rights as a third  party  beneficiary
hereunder.

22. SURVIVAL OF OBLIGATIONS.  The rights and obligations of the parties which by
their  nature  would  continue  beyond the  termination  or  expiration  of this
Agreement shall survive such termination or expiration.

23.  BINDING  EFFECT.  This  Agreement  shall be  binding  upon and inure to the
benefit of the Parties and their respective successors and permitted assigns.

24.  CONSTRUCTION;  INTERPRETATION.  The language of all parts of this Agreement
shall in all cases be construed  simply,  as a whole or in  accordance  with its
fair meaning and not strictly for or against  either  Party.  The Parties  agree
that  this  Agreement  has  been  negotiated  by the  Parties  in  arm's  length
negotiations,  that each Party has been given the  opportunity to  independently
review this Agreement with legal counsel,  and that each Party has the requisite
experience  and  sophistication  to  understand,  and  agree  to the  particular
provisions hereof.

25. ENTIRE AGREEMENT;  AMENDMENTS;  SEVERABILITY. This Agreement and all addenda
constitute the entire  understanding and agreement between the Parties and shall
supersede all previous negotiations, commitments,  representations and writings,
written or oral.  Notwithstanding the foregoing,  any financial documents and/or
representations  provided by a Party pertaining to the credit application and/or
financial  information  shall  be  deemed  a part  of  this  Agreement  and  the
disclosing Party shall be responsible for advising the other Party of a material
change in the disclosing  Party's  financial  condition.  Except where otherwise
specifically  noted, this Agreement may not be amended or supplemented except by
a written agreement signed by a duly authorized representative of each Party. If
any term or  provision  of this  Agreement  is held to be  invalid,  illegal  or
unenforceable,  the remaining  provisions of this Agreement shall remain in full
force and  effect  provided  that the  essential  terms and  conditions  of this
Agreement for both Parties remain valid, binding and enforceable.

26. COUNTERPARTS.  This Agreement may be executed in any number of counterparts,
all of which shall be considered one and the same agreement.

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IN WITNESS  WHEREOF,  the Parties have caused this Agreement to be duly executed
and delivered as of the day and year first above written.

By:  ITXC Corp.                         By: Swiftnet Ltd.

--------------------------------------  --------------------------------------
Authorized Signature                    Authorized Signature

--------------------------------------  --------------------------------------
Name and Title                          Name and Title

--------------------------------------  --------------------------------------
Date                                    Date

Revised 10-9-01
Final PDF 2-20-03

                       WWeEXCHANGE ORGINATION SERVICES ADDENDUM
                      (to IXTC.net(SM) Services Agreement)

      THIS WWeXCHANGE  ORGINATION SERVICES ADDENDUM  ("Addendum") is attached to
an made a part of that  certain  ITXC.net(SM)  Services  Agreement  dated  as of
February  20, 2003,  (the  "Agreement")  by and between ITXC CORP.  ("ITXC") and
Swiftnet Ltd.  ("Company").  All capitalized  terms not defined in this Addendum
shall have the meanings assigned to them in the Agreement.

1.    DESCRIPTION OF SERVICES TO BE PROVIDED.

1.1 This  Addendum  will  enable  Company to provide  its  Subscribers  with the
ability to place Internet Telphony calls through the use of the ITXC.net(SM).

1.2 ITXC  agrees to provide to Company on a 24-hour a day,  7-day a week  basis,
the Services described in this Section 1 and Exhibit A attached hereto.  Company
agrees to purchase  such Services on the terms and  conditions  and at the rates
set forth herein and in the  Agreement,  as the same may be amended from time to
time.

1.3 Company shall be  responsible  for providing all end-user or caller  related
services to its Subscribers, such as billing, collections and customer care, all
in  compliance  with the  ITXC  documentation,  including  but not  limited  to,
confirming the identity of its Subscribers for the use of ITXC.net(SM).

1.4  Company  shall   independently   operate  Gateways  for  use  by  Company's
Subscribers and charge its Subscribers such rates, as Company deems appropriate.
Company shall provide origination  services and operate and manage its equipment
in compliance with the ITXC documentation.

1.5 At all times,  Company shall comply with all ITXC  operational  requirements
contained in the Agreement,  Addendum or ITXC  documentation.  In the event that
Company  cannot  comply  with the ITXC  operational  requirements,  ITXC may (i)
suspend or reduce the Services; or (ii) terminate the Agreement.  ITXC shall use
commercially  reasonable efforts to apply equitably the requirements of the ITXC
documentation to all ITXC Affiliates.

2. ROUTING.  ITXC shall route or cause  Subscribers'  Internet  Technology to be
routed over  ITXC.net(SM).  ITXC reserves the right to route Internet  Telephony
using any means of termination, including the use of the PSTN. ITXC reserves the
right,  and Company shall not attempt to circumvent  such right, to prohibit use
of the ITXC.net(SM) to serve certain  telephone  numbers,  including premium pay
numbers.   Company  shall  provide  written  notice  to  ITXC  of  all  gateways
anticipated  to be eliminated as soon as possible,  but not less than sixty (60)
days in advance of the elimination of such gateway.

3.    RATES AND MINIMUM MONTHLY SERVICE COMMITMENTS.

3.1 Current ITXC prices for WWeXchange  Services  ("WWeXchange  Rates") shall be
provided to Company by written notice through  facsimile and/or electronic mail.
ITXC has sole discretion in setting the WWeXchange Rates.  Company agrees to pay
ITXC the WWeXchange Rates in effect for the applicable pricing period. ITXC will
provide at least  seven days prior  written  notice for price  increases.  Price
decreases may be made immediately  upon notice.  Company  acknowledges  that all
valid  pricing-related  information and/or effective  WWeXchange Rates from ITXC
must come from duly authorized  personnel,  defined as an "ITXC Pricing Manager"
or an Executive Corporate Office of ITXC. All other pricing-related  information
and/or  effective  WWeXchange  Rates  provided  by  any  other  ITXC  personnel,
including  without  limitation sales personnel,  shall be deemed a quotation for
discussion and budgetary  purposes only. Any  price-related  information  and/or
WWeXchange  Rates shall not be deemed  valid until  confirmed by an ITXC Pricing
Manager or Executive Corporate Officer of ITXC in writing.

3.2 Company shall meet a minimum monthly commitment of 75,000 minutes of use per
month.  If Company  fails to achieve  any of the monthly  minimum  requirements;
Company  shall pay to ITXC a monthly  service  charge in the  amount of  $1,000.
Consecutive  failure  by  Company  to meet  such  commitment  may  result in the
suspension or termination  of the Agreement in accordance  with Section 3 of the
Agreement.

4.    DEPOSIT/CREDIT LIMIT.

4.1 INTENTIONALLY LEFT BLANK.

4.2 INTENTIONALLY LEFT BLANK.

4.3 INTENTIONALLY LEFT BLANK.

4.4 ITXC has  established  a credit  limit  ("Credit  Limit") for Company in the
amount of $60,000 and Company  agrees not to exceed this Credit  Limit.  If ITXC
reasonably believes that Company will exceed the Credit Limit, ITXC will provide
Company  with notice that a payment  must be made.  Company  agrees that payment
will be sent no later than  twenty-four  (24) hours after  receiving  notice and
said  payment in an amount  determined  by ITXC to ensure that the Credit  Limit
will not be exceeded  before  payment is received  on the next  invoice.  In the
event that Company does not remit payment within  twenty-four  (24) hours,  ITXC
reserves the right to immediately  reduce capacity and/or suspend Service.  ITXC
reserves the right to

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adjust or suspend the Credit Limit of Company upon notice if it determines  that
there is a material  financial  risk to ITXC. In such case,  ITXC may (1) adjust
the Credit Limit; (2) require a prepayment or reducer check from Company; and/or
(3) modify the billing and payment terms in order to continue Service.

5.    CHARGES, BILLING AND PAYMENT.

5.1  Until  such  time as ITXC  and  Company  enter  into an  addendum  or other
agreement  whereby  Company  shall  provide  Termination  Services  as  well  as
Origination Services, this Section 5.1 shall control invoicing and payment. ITXC
or its agent  shall issue an invoice to Company on a weekly  basis (the  "Weekly
Invoice"). All amounts stated on each Weekly Invoice shall be due and payable in
full  within  seven (7) days from the Weekly  Invoice  date.  Company  shall not
dispute any of the charges  contained on the Weekly  Invoice unless such dispute
is in good faith,  is greater than or equal to 10% of the total amount  invoiced
by ITXC and Company provides written notice to ITXC.  Disputed amounts less than
10% shall be  disputed  by Company  as part of the  monthly  settlement  process
described herein. At the end of each month, ITXC will provide Company with a net
settlement Invoice (the "Net Settlement  Invoice") containing for the applicable
billing  period  and for any prior  period  that  appropriate  charges  were not
invoiced  (i) the  Termination  Services  Value,  if any,  (ii)  the  WWeXchange
Services  Value,  if any and (iii) the  Settlement  amount.  Each invoice  shall
include the total  payment due for Units of Service for the  applicable  billing
period and for any prior period that  appropriate  charges  were not  reflected.
Once  Company  has  received  the monthly Net  Settlement  Invoice,  Company may
dispute  charges of the Weekly Invoices  covered by such Net Settlement  Invoice
(the "Monthly Settlement Process").

5.2 Unless ITXC receives  written notice from Company that the amount on the Net
Settlement  Invoice does not accurately  reflect applicable charges for Services
for the period,  then Company  shall pay the amount shown on the Net  Settlement
Invoice within 7 days of the date of such statement. Any undisputed payments not
made when due are subject to a Late  Charge of 1.5% or LIBOR plus 1%,  whichever
is lower.

5.3 ITXC's records shall be utilized for billing purposes. Company shall provide
ITXC written notice in hard copy or electronic format, of any dispute concerning
billing within 30 days of the date of the Net Settlement  Invoice containing the
disputed charges.  Company expressly waives any right it may have to dispute the
billing or any charges for which  written  notice has not been  provided to ITXC
within the  30-day  period.  In the event  that  Company  disputes  billing  and
withholds  payment,  ITXC may suspend or reduce  services during the pendency of
such disputes to prevent Company from accumulating  charges and liability during
the dispute resolution. All amounts in dispute shall be counted toward Company's
use of their Credit  Limit.  In the event that the dispute is  determined  to be
invalid,  then  Company  shall be subject to a Late Charge of 1.5% or LIBOR plus
1%, whichever is lower.

5.4 Disputed  charges shall be resolved  between the Parties using  commercially
reasonable methods consistent with industry practice. If any dispute between the
Parties is not  resolved  within 10 business  days after  written  notice as set
forth in Section 5 of the Agreement,  and any disputed  amount has been withheld
pending  resolution  of such  dispute,  then the Parties  may begin  arbitration
proceedings  under  Section 12 of the  Agreement.  If either  Party brings legal
action  for the  recovery  of any  amounts  due from the other  Party  under the
Agreement,  the non-prevailing Party shall pay the prevailing Party's reasonable
attorneys' fees,  collection fees and costs actually  incurred by the prevailing
Party.

6. FEES.  Company  shall pay to ITXC the  Network Fee in the amount of $5,000 on
the date of this  Addendum  and when  requested  by ITXC as a  reconnection  fee
described  below.  Payment of such fee is required  before the  commencement  of
joint  initial  testing  or  deployment  of the  Origination  Services.  If ITXC
suspends  service to Company as  provided  herein,  then ITXC may  reassess  the
Network Fee as a  reconnection  fee,  which fee is due before any  services  are
resumed.

7.    DEFINITIONS.

      "Affiliate"  means the Company and shall not be  construed  as any type of
agency, partnership, and/or joint venture with ITXC.

      "Gateway"  means the  combination  of the  Equipment  used to provide  the
electronic  "bridge"  from the PSTN to an IP network and any  interactive  voice
response   system  and/or  prepaid  calling  system  or  other  method  used  in
conjunction with a gateway to provide a Subscriber access to ITXC.net(SM).

      "Originating   Affiliate"   means  the  Company   providing   services  to
Subscribers using ITXC.net(SM) and shall not be construed as any type of agency,
partnership and/or joint venture with ITXC.

      "Origination  Services"  means the  services  provided  by an  Originating
Affiliate to its Subscribers.

      "Secure  Location" means a safe access  restricted  repository,  which may
include a web-site,  secure Internet site,  electronic mall or other  electronic
address  to be used by ITXC to  provide  Confidential  Information  to  Company,
including  pricing,  Coverage Areas,  service  bulletins or other information of
interest.

      "Settlement"  means the  process of  balancing  the net  payments  owed by
Company for WWeXchange Service Value, if any, with the net payments owed by ITXC
for Termination  Services Value, if any. The Settlement  amount equal WWeXchange
Services Value, if any, minus Termination Services Value, if any.

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      "Settlement  Statement"  means the  billing  statement  generated  by ITXC
and/or its agents through application of the billing process.

      "Subscriber" means a customer of Company that uses the ITXC.net(SM).

      "Termination  Services"  means  the  use of all  necessary  Equipment  and
facilities  (including  PSTN) to convert  Internet  telephony on ITXC.net(SM) to
PSTN and connect it to a telephone.

      "Termination  Services  Value" means the total amount charged to ITXC by a
terminating   affiliate  for  Units  of  validly  Authenticated  and  Authorized
Termination  Services  purchased by ITXC from Company in a given billing  period
pursuant  to the  Agreement  or  this  Addendum  using  rates  specified  in the
applicable  Affiliate  Cost  Addendum,  the form of which is attached as Exhibit
[A].

      "Unit" means any unit of time by which  Services are  measured.  Units for
origination  shall be billed  in  increments  of one  second  with a  one-second
minimum period, except for Internet Telephony calls terminating in Mexico, which
shall be billed in 60-second increments with 60-second minimums.

      "WWeXchange  Services" means wholesale  phone-to-phone  internet telephone
services over ITXC.net(SM).

      "WWeXchange  Services  Value" means the total amount charged to Company as
an  originating  affiliate  by ITXC for  Units of  WWeXchange  Services  used by
Company in a given billing period  pursuant to the Agreement or this Addendum at
the rates specified on the Secure Location.

8. NO MODIFICATION:  CONFLICT.  Unless expressly  modified herein, the Agreement
remains  unmodified  ad in full  force and  effect.  In the event of a  conflict
between the terms of this Addendum and the Agreement, the terms of this Addendum
shall control.

9.  ENTIRE   AGREEMENT.   This  Addendum   embodies  the  entire  agreement  and
understanding of the Parties with respect to the  supplementing of the Agreement
concerning the matters  described herein.  There are no restrictions,  promises,
representations,  warranties,  covenants or  undertakings  with respect  thereto
other than those expressly set forth herein.

10. COUNTERPARTS. This Addendum may be executed in several counterparts, each of
which shall  constitute an original,  but all of which shall  constitute one and
the same instrument.

      IN WITNESS WHEREOF, the Parties have executed this WWeXchange  Origination
Services  Addendum  to  ITXC.net(SM)  Services  Agreement  as of the date  first
written above.

By:  ITXC Corp.                         By: Swiftnet Ltd.

                                        /s/ A. Keznan MD
--------------------------------------- ----------------------------------------
Authorized Signature                    Authorized Signature

                                        A. Keznan MD
--------------------------------------- ----------------------------------------
Name and Title                          Name and Title

                                        6/3/2003
--------------------------------------- ----------------------------------------
Date                                    Date

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