Document:

Employment
      Agreement

    
 

    Agreement
      dated as of June 30, 2005, by and between BrandPartners Group, Inc, Inc., a
      Delaware corporation (the “Company”) and Suzanne M. Verrill (the
“Employee”).

    

    WHEREAS,
      the Company desires to employ the Employee with the Company on the terms and
      conditions set forth in this Agreement; and

    

    WHEREAS,
      the Employee desires to be so employed and has agreed to enter into this
      Agreement.

    

    1. Term
      of Employment.
      The
      Company agrees to employ the Employee and the Employee agrees to serve in the
      employ of the Company, for a term commencing the date hereof and ending December
      31, 2005 unless sooner terminated or extended as herein provided. The term
      shall
      automatically be extended for one (1) additional year periods effective January
      1, 2006 and annually thereafter, unless either party provides the other with
      written notice not later than ninety (90) days prior to the expiration of the
      term, as extended, of its selection not to extend the term.

    

    2. Position
      and Duties.
      During
      the term, the Employee shall be employed as Executive Vice President, Finance
      and Chief Financial Officer, reporting to the Chief Executive Officer.
      Employee’s responsibilities shall include managing the financial business units,
      revenues and profit and loss (gross margin basis) responsibility, and other
      duties consistent with Employee’s title and role as determined from time to time
      by the Chief Executive Officer.

     

    3. Compensation
      and Benefits.
      In
      partial consideration of Employee’s performance of the services and observance
      of the covenants set forth herein, the Company shall pay the Employee, and
      the
      Employee shall accept, the compensation and benefits described on Schedule
      A
      attached hereto and incorporated herein by reference.

     

    4. Non-Disclosure,
      Non-Disparagement and Non-Competition.
      Employee acknowledges that, in the course of Employee’s employment, Employee has
      had and will have access to and has been and will become aware of and informed
      of confidential and/or proprietary information that is a competitive asset
      of
      the Company. It is understood and agreed upon between the Employee and the
      Company that, during the course of Employee’s employment with the Company and
      continuing thereafter for a period of six (6) months with regard to (a) and
      (b),
      fifteen (15) months with regard to (c) and (d) below, and indefinitely with
      regards to (e) below, neither Employee nor Employee’s agent(s)
      shall:

    

    (a) engage,
      directly or indirectly, whether as a principal, agent, employee, representative,
      shareholder (other than an investment of not more than 5% of the stock or equity
      of any corporation, the capital stock of which is publicly traded) or otherwise,
      in any activity or business venture, including but not limited to the
      manufacture or sale of any products or services directed toward the financial
      services industry, which is in competition with the Company; or

    

    
      
         

      

      
         

        
          

        

      

      
         

      

    

     

    (b) solicit,
      entice, endeavor to solicit or entice or employ, directly or indirectly, any
      person who was a director, officer, employee or consultant to the Company at
      the
      time that the Employee’s employment with the Company terminates, who by reason
      of such position is in possession of any confidential information or trade
      secrets relating to the business of the Company, either on Employee’s own
      account or for any person, firm, corporation or other organization, whether
      or
      not such person would commit any breach of such person’s agreement by reason of
      leaving the service of the Company; or

    

    (c) disclose
      or divulge to any person, firm, corporation, or other organization any of the
      Company’s non-public information concerning customers or employees;
      or

    

    (d) take
      any
      action or make any statement to the effect of which would be, directly or
      indirectly, to impair the goodwill of the Company or any of its subsidiaries,
      or
      the business reputation or good name of the Company or any of its subsidiaries
      to make any other statement which would otherwise be detrimental to the interest
      of the Company, including, without limitation, any action or statement intended,
      directly or indirectly, to benefit a competitor of the Company or any of its
      subsidiaries; or

    

    (e) disclose
      or divulge to any person, firm, corporation, or other organization any of the
      Company’s trade secrets.

     

    5. Termination.
      (a)
      Subject to the other terms and conditions hereof, the Employee’s employment
      under this Agreement shall terminate upon the expiration of the term, or, if
      earlier, upon the earliest to occur of any of the following events:

    

    (i) Upon
      the
      death of the Employee, as follows: If the Employee shall die during the term,
      this Agreement shall terminate on the date of Employee’s death and Employee’s
      estate shall be entitled to receive Employee’s base salary at the rate provided
      in Schedule A hereto to the end of the calendar month in which Employee’s death
      occurs, if not already paid, and bonus or earn out, if any, for the fiscal
      year
      prior to the date Employee’s death occurs, if not already paid, and for the
      fiscal year in which Employee’s death occurs, on a prorated basis up until the
      date of Employee’s death, payable in accordance with Company policies then in
      effect.

    

    (ii) Upon
      the
      disability of the Employee as follows: if, in the written opinion of a qualified
      physician selected by the Company, the Employee shall become unable to perform
      his/her duties hereunder due to physical or mental illness, and has failed,
      because of such illness, to render, for 90 days out of any 180-day period,
      services of the character contemplated by this Agreement, the Company may
      terminate the Employee’s employment upon written notice to the Employee. In such
      event, the Employee shall be entitled to receive Employee’s base salary at the
      rate provided in Schedule A hereto to the end of the calendar month in which
      the
      termination occurs, and bonus, if any, for the fiscal year prior to the date
      Employee’s termination occurs, if not already paid, and for the fiscal year in
      which Employee’s disability occurs, on a prorated basis up until the date of
      termination, payable in accordance with Company policies then in
      effect.

    

    
      
         

      

      
        -1-

        
          

        

      

      
         

      

    

    
 

    (iii)
      For
      Cause, as follows: The Company may terminate the Employee’s employment for
      cause, upon written notice to the Employee, subject to the Employee’s ability to
      cure as set forth below. As used in this Agreement, cause shall mean (A) a
      conviction or plea of guilty or not contendre to a felony or a misdemeanor
      (or
      summary conviction offense) involving moral turpitude, or (B) any act or
      omission of the Employee which (i) constitutes a material breach by the Employee
      of this Agreement, or (ii) is a willful violation of Company policy in effect
      from time to time, to (iii) constitutes a material breach of the Employee’s
      fiduciary duties, or (iv) is a statement or act by the Employee which violates
      the Company’s personnel policies then in effect or which reasonably might expose
      the Company to any claim or legal action, or (v) is an act or failure to perform
      any act (other than in good faith) to the detriment of the business of the
      Company. In the event of a termination pursuant to this Section 5(a)(iii),
      the
      Employee shall be entitled to receive only Employee’s base salary at the rate
      provided in Schedule A hereto through the date of termination. Prior to
      termination for cause, the Company shall give the Employee ten (10) days prior
      written notice of its intent to terminate the Employee’s employment for cause.
      Such notice shall set forth in reasonable detail the basis giving rise to cause.
      The Employee shall have the right, if the basis for such cause is curable,
      to
      cure the same within a reasonable period of time after the date of such written
      notice, provided that the Employee begins to cure within ten (10) days of the
      date of such written notice and diligently prosecutes such efforts
      thereafter.

    

    (iv)
      Without cause, as follows: The Company may terminate the Employee’s employment
      without cause, at any time, upon written notice to the Employee. In such an
      event, the Employee shall be entitled to receive Employee’s base salary at the
      rate in effect on the date of termination for a six month period from the date
      of termination, and bonus, if any, for the fiscal year prior to the date
      Employee’s termination occurs, if not already paid, and for the fiscal year in
      which Employee’s termination occurs, on a prorated basis up until the date of
      Employee’s termination.

    

    (v)
      For
      Good Reason, as follows: The Employee may terminate his/her employment for
      Good
      Reason (as defined below) as provided below. In such an event, the Employee
      shall be entitled to the same termination benefits as would have been payable
      in
      the event of a termination without cause as set forth in Section 5(a)(iv)
      above,
      subject to the Company’s ability to cure as set forth below. For purposes of
      this Agreement, termination for “Good Reason” shall mean termination for reason
      of (A) a material change in Employee’s, duties or responsibilities as set forth
      in this Agreement, or (B) a reduction in the compensation or benefits payable
      to
      the Employee, except in the case that such reduction is in conjunction with
      a
      Company-wide reduction; or (C) a material breach of this Agreement by the
      Company; or (D) the relocation of the Employee’s primary place of business
      outside of a fifty (50) mile radius of such primary place of business without
      the Employee’s prior written consent.

    

    (vi)
      The
      Employee may terminate his/her employment without Good Reason under this
      Agreement at any time upon fourteen (14) days prior written notice to the
      Company.

    

    (b) Other
      than as set forth in this Section 5, the
      Employee or estate of the Employee shall not be entitled to any benefits or
      compensation whatsoever from the Company or its affiliates upon or alter
      termination or expiration of this Agreement, other than as required or permitted
      by law.

    

    
      
         

      

      
        -2-

        
          

        

      

      
         

      

    

     

    6. Injunctive
      Relief. Because
      the remedy at law for any breach of the provisions contained in paragraph
      above would be inadequate, Employee hereby consents, in the case of any such
      breach, to the granting by any court of competent jurisdiction all equity powers
      including but not limited to pre-judgment injunctive relief. In the event of
      a
      breach or threatened breach of paragraph 4 of this Agreement, it is hereby
      agreed that the Company shall be entitled to an injunction or similar equitable
      relief restraining the commission or continuation of any such breach by granting
      specific performance of any act required to be performed, without the necessity
      of showing any actual damages or that money damages would not afford an adequate
      remedy and without the necessity of posting any bond or other security. In
      the
      event that either party shall bring an action to enforce the terms contained
      in
      paragraph 4 of this Agreement, the successful party to such action shall be
      entitled to recover the costs of litigation, including reasonable attorney’s
      fees.

    

    7. Successors.
      This
      Agreement shall be binding upon and shall insure to the benefit of the parties
      and their respective heirs, legal representatives, successors and permitted
      assigns. This Agreement shall not be assignable by the Employee.

    

    8. Entire
      Agreement. The
      terms
      of this Agreement are intended by the parties to be the final expression of
      their agreement with respect to the employment of the Employee by the Company
      and may not be contradicted by evidence of any prior or contemporaneous
      agreement. The parties hereto agree that this Agreement shall be in effect
      as of
      the date hereof and shall supersede and be in lieu of any and all prior
      agreements or understandings regarding the employment of the Employee, whether
      verbal or written.

    

    9. Severability.
      Enforcement. If any provision of this Agreement, or the application thereof
      to
      any person, place or circumstance, shall be held by a court of competent
      jurisdiction to be invalid, unenforceable or void, the remainder of this
      Agreement and such provisions as applied to other persons, places and
      circumstances shall remain in full force and effect.

     

    10.  Governing
      Law.
      The
      parties agree that the courts of New Hampshire shall have nonexclusive
      jurisdiction over the enforcement and interpretation of this Agreement and
      that
      New Hampshire law shall apply.

    

    IN
      WITNESS WHEREOF, the parties have executed this Agreement as of the date and
      year first above written.

    

    BrandPartners
      Group, Inc.

    

    By:      

    James
      F.
      Brooks, Chief Executive Officer and President

    

    Suzanne
      M. Verrill

    

    
      
         

      

      
        -3-

        
          

        

      

      
         

      

    

    

    

    SCHEDULE
      A

    

    

    ANNUAL
      SALARY$135,000.00 

    

    

    OTHER
      BENEFITS

    Employee
      shall be eligible for vacation, sick/personal days, health, dental, disability
      and life insurance and 401(k) profit sharing made available by the Company
      to
      its employees from time to time as described in the attached summary. All
      Company insurance plans and contracted insurance carriers are subject to change,
      as management deems necessary or advisable.

    

    VACATION

    Employee
      shall be entitled to five (5)
      weeks
      of
      paid vacation annually, accrued in accordance with Company policy.

    

    BONUS

    If
      the
      EBITDA for the Company’s operating subsidiaries (BrandPartners Retail, Inc.;
      BrandPartners Europe, Ltd; and Grafico, Incorporated) is less than $9.75 million
      for fiscal year 2005, a bonus for calendar year 2005, if any, will be at the
      discretionary recommendation of the Company’s Compensation Committee, subject to
      Board approval. If the EBITDA for the Company’s operating subsidiaries
      (BrandPartners Retail, Inc.; BrandPartners Europe, Ltd; and Grafico,
      Incorporated) is equal to or greater than $9.75 million for fiscal year 2005,
      then in that event, the bonus for calendar year 2005 shall be a minimum of
      20%
      of Annual Salary. However, the Company’s Compensation Committee may, in its
      discretion, recommend a bonus greater than 20% of Annual Salary, which
      recommendation is subject to Board approval.

    

    

    
      
         

      

      
        -4-Exhibit 10.1

                                 PROMISSORY NOTE

August 3, 2005                                                        $1,000,000

FOR VALUE RECEIVED, the undersigned, VOIP, INC., a Texas corporation (the
"Company"), promises to pay WQN, INC. (the "Lender") at 14911 Quorum Drive,
Suite 140, Dallas, Texas 75254 or such other address as the Lender shall specify
in writing, the principal sum of ONE MILLION DOLLARS ($1,000,000) and interest
at the annual rate of six percent (6%) on the unpaid balance pursuant to the
following terms of this Promissory Note (the "Note"):

      1. Principal and Interest.

            (a) Subject to Section 1(b), for value received, the Company hereby
promises to pay to the order of the Lender, on the twelve-month anniversary of
the date hereof (the "Maturity Date"), in lawful money of the United States of
America and in immediately available funds, the principal sum of One Million
Dollars ($1,000,000), together with interest on the unpaid principal of this
Note at the rate of six percent (6%) per year (computed on the basis of a
365-day year and the actual days elapsed) from the date of this Note until paid.
Notwithstanding anything herein to the contrary, upon consummation of the
transaction contemplated by that certain Asset Purchase Agreement, of even date
herewith (the "Asset Purchase Agreement"), between the Company and Lender, this
Note shall automatically be terminated and cancelled and the Company shall have
no further obligation hereunder.

            (b) Notwithstanding the foregoing, the amounts due hereunder shall
only be payable by the Company in the event the transactions (the
"Transactions") contemplated by the Asset Purchase Agreement and the other
documents contemplated thereby (the "Transaction Documents") are not consummated
as a result of Lender's failure to close the Transactions, and the amounts due
and payable hereunder shall be deemed to have been paid out of the cash assets
constituting part of the "Assets" (as defined in the Asset Purchase Agreement")
transferred to Lender at the closing of the Transactions.

      2. Monthly Principal and Interest Payments. Until the Maturity Date, the
Company shall make twelve (12) monthly payments of interest in the amount of
$5,000 per month on the first day of each month (each, a "Payment Due Date"),
commencing on September 1, 2005. The full principal amount of this Note and any
accrued but unpaid interest thereon shall be due and payable in full on the
Maturity Date. In the event that Lender terminates the Asset Purchase Agreement
pursuant to Sections 9.1(b),(c), (d) or (e) thereof or Parent or the Company
terminates the Asset Purchase Agreement pursuant to Sections 9.1(f),(g) or (h)
thereof, this Note shall be repayable, at the option of the Company, in cash or
by delivering shares of the Company's restricted common stock, par value $0.001
per share (the "Common Stock"). The number of shares of Common Stock for such
payment shall be determined by dividing the aggregate principal and interest
amounts due on the Maturity Date by $0.80.

<PAGE>

      3. Right of Prepayment. Notwithstanding the payments pursuant to Section
2, the Company at its option shall have the right to prepay, with three (3)
business days' advance written notice, any additional amounts of outstanding
principal of this Note.

      4. Waiver and Consent. To the fullest extent permitted by law and except
as otherwise provided herein, the Company waives demand, presentment, protest,
notice of dishonor, suit against or joinder of any other person, and all other
requirements necessary to charge or hold the Company liable with respect to this
Note.

      5. Costs, Indemnities and Expenses. Upon an Event of Default (as defined
herein), the Company agrees to pay all reasonable fees and costs incurred by the
Lender in collecting or securing or attempting to collect or secure this Note,
including reasonable attorneys' fees and expenses, whether or not involving
litigation, collecting upon any judgments and/or appellate or bankruptcy
proceedings. The Company agrees to pay any documentary stamp taxes, intangible
taxes or other taxes which may now or hereafter apply to this Note or any
payment made in respect of this Note, and the Company agrees to indemnify and
hold the Lender harmless from and against any liability, costs, attorneys' fees,
penalties, interest or expenses relating to any such taxes, as and when the same
may be incurred.

      6. Event of Default. An "Event of Default" shall be deemed to have
occurred upon the occurrence of any of the following:

            (a) The Company should fail for any reason or for no reason to make
any payment of the principal of, interest on or other charges in respect of this
Note, within three (3) days of the date the same shall become due and payable
(whether on an installment, a Payment Due Date, or the Maturity Date or by
acceleration or otherwise);

            (b) The Company shall fail to observe or perform any other covenant,
agreement or warranty contained in, or otherwise commit any breach or default of
any provision of this Note, the other Transaction Documents, or any other note
issued, or shall hereinafter be issued to the Lender or its affiliates, which is
not cured within the time prescribed or if no time is prescribed, within ten
(10) days after written notice to the Company; or

            (c) The Company or any subsidiary of the Company shall commence, or
there shall be commenced against the Company or any subsidiary of the Company
under any applicable bankruptcy or insolvency laws as now or hereafter in effect
or any successor thereto, or the Company or any subsidiary of the Company
commences any other proceeding under any reorganization, arrangement, adjustment
of debt, relief of debtors, dissolution, insolvency or liquidation or similar
law of any jurisdiction whether now or hereafter in effect relating to the
Company or any subsidiary of the Company or there is commenced against the
Company or any subsidiary of the Company any such bankruptcy, insolvency or
other proceeding which remains undismissed for a period of sixty-one (61) days;
or the Company or any subsidiary of the Company is adjudicated insolvent or
bankrupt; or any order of relief or other order approving any such case or
proceeding is entered; or the Company or any subsidiary of the Company suffers
any appointment of any custodian, private or court appointed receiver or the
like for it or any substantial part of its property which continues undischarged
or unstayed for a period of sixty one (61) days; or the Company or any
subsidiary of the Company makes a general assignment for the benefit of
creditors; or the Company or any subsidiary of the Company shall fail to pay, or
shall state that it is unable to pay, or shall be unable to pay, its debts
generally as they become due; or the Company or any subsidiary of the Company
shall by any act or failure to act expressly indicate its consent to, approval
of or acquiescence in any of the foregoing; or any corporate or other action is
taken by the Company or any subsidiary of the Company for the purpose of
effecting any of the foregoing.

                                       2
<PAGE>

      7. Remedies. Upon an Event of Default (as defined above), the entire
principal balance and accrued interest outstanding under this Note, and all
other obligations of the Company under this Note, shall be immediately due and
payable without any action on the part of the Lender, interest shall accrue on
the unpaid principal balance at twelve percent (12%) per year or the highest
rate permitted by applicable law, if lower, and the Lender shall be entitled to
seek and institute any and all remedies available to it.

      8. Maximum Interest Rate. In no event shall any agreed to or actual
interest charged, reserved or taken by the Lender as consideration for this Note
exceed the limits imposed by applicable law. In the event that the interest
provisions of this Note shall result at any time or for any reason in an
effective rate of interest that exceeds the maximum interest rate permitted by
applicable law, then without further agreement or notice the obligation to be
fulfilled shall be automatically reduced to such limit and all sums received by
the Lender in excess of those lawfully collectible as interest shall be applied
against the principal of this Note immediately upon the Lender's receipt
thereof, with the same force and effect as though the Company had specifically
designated such extra sums to be so applied to principal and the Lender had
agreed to accept such extra payment(s) as a premium-free prepayment or
prepayments.

      9. Cancellation of Note. Upon (a) the consummation of the Transaction (in
which event the Company shall have no further obligations hereunder), or (b),
the repayment by the Company of all of its obligations hereunder to the Lender,
including, without limitation, the principal amount of this Note, plus accrued
but unpaid interest, the indebtedness evidenced hereby shall be deemed canceled
and paid in full. Except as otherwise required by law or by the provisions of
this Note, payments received by the Lender hereunder shall be applied first
against expenses and indemnities, next against interest accrued on this Note,
and next in reduction of the outstanding principal balance of this Note.

      10. Severability. If any provision of this Note is, for any reason,
invalid or unenforceable, the remaining provisions of this Note will
nevertheless be valid and enforceable and will remain in full force and effect.
Any provision of this Note that is held invalid or unenforceable by a court of
competent jurisdiction will be deemed modified to the extent necessary to make
it valid and enforceable and as so modified will remain in full force and
effect.

      11. Amendment and Waiver. This Note may be amended, or any provision of
this Note may be waived, provided that any such amendment or waiver will be
binding on a party hereto only if such amendment or waiver is set forth in a
writing executed by the parties hereto. The waiver by any such party hereto of a
breach of any provision of this Note shall not operate or be construed as a
waiver of any other breach.

                                       3
<PAGE>

      12. Successors. Except as otherwise provided herein, this Note shall bind
and inure to the benefit of and be enforceable by the parties hereto and their
permitted successors and assigns.

      13. Assignment. This Note shall not be directly or indirectly assignable
or delegable by the Company. The Lender may assign this Note as long as such
assignment complies with the Securities Act of 1933, as amended.

      14. No Strict Construction. The language used in this Note will be deemed
to be the language chosen by the parties hereto to express their mutual intent,
and no rule of strict construction will be applied against any party.

      15. Further Assurances. Each party hereto will execute all documents and
take such other actions as the other party may reasonably request in order to
consummate the transactions provided for herein and to accomplish the purposes
of this Note.

      16. Notices, Consents, etc. Any notices, consents, waivers or other
communications required or permitted to be given under the terms hereof must be
in writing and will be deemed to have been delivered: (a) upon receipt, when
delivered personally; (b) upon receipt, when sent by facsimile (provided
confirmation of transmission is mechanically or electronically generated and
kept on file by the sending party); or (c) one (1) trading day after deposit
with a nationally recognized overnight delivery service, in each case properly
addressed to the party to receive the same. The addresses and facsimile numbers
for such communications shall be:

         If to Company:     VoIP, Inc.
                            12330 SW 53rd Street, Suite 712
                            Fort Lauderdale, FL  33330
                            Attention: Steven Ivester
                            Telephone: (954) 434-2000
                            Facsimile: (954) 434-4454

         with a copy to:      Andrews Kurth LLP
                              1717 Main Street, Suite 3700
                              Dallas, TX  75201
                              Attention: Ronald L. Brown, Esq.
                              Telephone: (214) 659-4469
                              Facsimile: (214) 659-4819

         If to the Lender:    WQN, Inc.
                              14911 Quorum Drive
                              Suite 140
                              Dallas, Texas  75254
                              Attention: Chief Executive Officer
                              Telephone:
                                         --------------------------
                              Facsimile:
                                         --------------------------

                                       4
<PAGE>

         with a copy to:

                              Patton Boggs LLP
                              2100 Ross Avenue  Suite 3000
                              Dallas, Texas  75201
                              Attention:  Charles Miller, Esq.
                              Telecopy No.:  214-758-1550
                              Telephone No.: 214-758-1500

or at such other address and/or facsimile number and/or to the attention of such
other person as the recipient party has specified by written notice given to
each other party three (3) trading days prior to the effectiveness of such
change. Written confirmation of receipt (x) given by the recipient of such
notice, consent, waiver or other communication, (y) mechanically or
electronically generated by the sender's facsimile machine containing the time,
date, recipient facsimile number and an image of the first page of such
transmission or (z) provided by a nationally recognized overnight delivery
service, shall be rebuttable evidence of personal service, receipt by facsimile
or receipt from a nationally recognized overnight delivery service in accordance
with clause (a), (b) or (c) above, respectively.

      17. Remedies, Other Obligations, Breaches and Injunctive Relief. The
Lender's remedies provided in this Note shall be cumulative and in addition to
all other remedies available to the Lender under this Note, at law or in equity
(including a decree of specific performance and/or other injunctive relief), no
remedy of the Lender contained herein shall be deemed a waiver of compliance
with the provisions giving rise to such remedy and nothing herein shall limit
the Lender's right to pursue actual damages for any failure by the Company to
comply with the terms of this Note. No remedy conferred under this Note upon the
Lender is intended to be exclusive of any other remedy available to the Lender,
pursuant to the terms of this Note or otherwise. No single or partial exercise
by the Lender of any right, power or remedy hereunder shall preclude any other
or further exercise thereof. The failure of the Lender to exercise any right or
remedy under this Note or otherwise, or delay in exercising such right or
remedy, shall not operate as a waiver thereof. Every right and remedy of the
Lender under any document executed in connection with this transaction may be
exercised from time to time and as often as may be deemed expedient by the
Lender. The Company acknowledges that a breach by it of its obligations
hereunder will cause irreparable harm to the Lender and that the remedy at law
for any such breach may be inadequate. The Company therefore agrees that, in the
event of any such breach or threatened breach, the Lender shall be entitled, in
addition to all other available remedies, to an injunction restraining any
breach, and specific performance without the necessity of showing economic loss
and without any bond or other security being required.

      18. Governing Law; Jurisdiction. All questions concerning the
construction, validity, enforcement and interpretation of this Agreement shall
be governed by the internal laws of the State of Texas, without giving effect to
any choice of law or conflict of law provision or rule (whether of the State of
Texas or any other jurisdictions) that would cause the application of the laws
of any jurisdictions other than the State of Texas. Each party hereby
irrevocably submits to the exclusive jurisdiction of the Dallas County Court
sitting in Dallas County, Texas and the United States Federal District Court for
the Fifth District, for the adjudication of any dispute hereunder or in
connection herewith or therewith, or with any transaction contemplated hereby or
discussed herein, and hereby irrevocably waives, and agrees not to assert in any
suit, action or proceeding, any claim that it is not personally subject to the
jurisdiction of any such court, that such suit, action or proceeding is brought
in an inconvenient forum or that the venue of such suit, action or proceeding is
improper. Each party hereby irrevocably waives personal service of process and
consents to process being served in any such suit, action or proceeding by
mailing a copy thereof to such party at the address for such notices to it under
this Agreement and agrees that such service shall constitute good and sufficient
service of process and notice thereof. Nothing contained herein shall be deemed
to limit in any way any right to serve process in any manner permitted by law.

                                       5
<PAGE>

      19. No Inconsistent Agreements. None of the parties hereto will hereafter
enter into any agreement, which is inconsistent with the rights granted to the
parties in this Note.

      20. Third Parties. Nothing herein expressed or implied is intended or
shall be construed to confer upon or give to any person or entity, other than
the parties to this Note and their respective permitted successor and assigns,
any rights or remedies under or by reason of this Note.

      21. Waiver of Jury Trial. AS A MATERIAL INDUCEMENT FOR THE LENDER TO LOAN
TO THE COMPANY THE MONIES HEREUNDER, THE COMPANY HEREBY WAIVES ANY RIGHT TO
TRIAL BY JURY IN ANY LEGAL PROCEEDING RELATED IN ANY WAY TO THIS AGREEMENT
AND/OR ANY AND ALL OF THE OTHER DOCUMENTS ASSOCIATED WITH THIS TRANSACTION.

      22. Entire Agreement. This Note (including any recitals hereto) set forth
the entire understanding of the parties with respect to the subject matter
hereof, and shall not be modified or affected by any offer, proposal, statement
or representation, oral or written, made by or for any party in connection with
the negotiation of the terms hereof, and may be modified only by instruments
signed by all of the parties hereto.

      23. Security. This Note is secured by that certain Security Agreement, of
even date herewith, between the Company and Lender.

                   [REMAINDER OF PAGE INTENTIONALY LEFT BLANK]

                                       6
<PAGE>

         IN WITNESS WHEREOF, this Note is executed by the undersigned as of the
date hereof.

                                        VOIP, INC.

                                        By: /s/ Steven Ivester
                                           -------------------------------------
                                           Name:  Steven Ivester
                                           Title: Chief Executive Officer

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