Document:

EXHIBIT 10.6

                                 AMENDMENT NO. 6

         This AMENDMENT NO. 6 (this "Sixth Amendment"), effective as of
September 19, 2001 (the "Sixth Amendment Effective Date"), by and among Talk
America Inc. (formerly, Talk.com Holding Corp. and Tel-Save, Inc.) ("TS"), a
Pennsylvania corporation, and Talk America Holdings, Inc. (formerly, Talk.com,
Inc. and Tel-Save Holdings, Inc.), a Delaware corporation ("Holdings"), with
their principal offices at 12020 Sunrise Valley Drive, Reston, Virginia 20190,
on the one hand, and America Online, Inc., a Delaware corporation with its
principal offices at 22000 AOL Way, Dulles, Virginia 20166 ("AOL"), on the other
hand (each a "Party" and, collectively, the "Parties").

         WHEREAS, TS, Holdings and AOL are parties to the Telecommunications
Marketing Agreement, dated as of February 22, 1997, as heretofore corrected and
amended by letter, dated April 23, 1997, and amended by an Amendment No. 1,
dated January 25, 1998, an Amendment No. 2, dated May 14, 1998, an Amendment No.
3 dated as of October 1, 1998 ("Amendment No. 3"), an Amendment No. 4 dated as
of June 30, 2000, and an Amendment No. 5 dated as of August 1, 2000 (as so
corrected and amended to the date hereof, but without giving effect to this
Amendment, the "Existing Agreement").

         WHEREAS, the Parties wish to provide for the early termination of the
Existing Agreement (subject to the survival of certain terms as described
herein), the transition of End Users bill access and billing and the adjustment
of the fixed payments by TS to AOL for the remaining period of the Agreement, in
all cases as specified more fully herein and on the terms and conditions hereof.

         NOW, THEREFORE, the Parties hereby agree as follows (capitalized terms
used in this Sixth Amendment without other definition are defined as in the
Existing Agreement):

1.       Payment and Termination.
         -----------------------

         (a)      AOL shall pay to TS the amount of $20,000,000, which payment
                  shall be made following AOL's receipt of all of the Fixed
                  Payments described below, by cancellation of an 8% secured
                  convertible promissory note in the principal amount of
                  $20,000,000 issued to AOL as of the date hereof by Holdings
                  pursuant to the Restructuring and Note Agreement, dated as of
                  the date hereof, between Holdings and AOL.

         (b)      The Agreement, including without limitation all Non-Exclusive
                  Periods and all of AOL's obligations to provide online and
                  offline marketing (which shall include, without limitation,
                  Pop-Up Ads, e-mail promotions, Welcome Screen promotions,
                  presence within the Member Perks area and all other online
                  advertising or promotion and all offline advertising or
                  promotion, e.g., transfer plus, telemarketing and direct

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                  mail) is hereby terminated effective as of 11:59 pm PDT on
                  September 30, 2001, subject only to the survival of those
                  provisions of the Agreement which by its terms are intended to
                  survive termination, including without limitation Section
                  III.A.6 (as modified by Section 2(a) of this Sixth Amendment),
                  Section III.A.7 (as modified by Section 2(a) of this Sixth
                  Amendment), Section III.B.4 (as modified by Section 2(b) of
                  this Sixth Amendment), and Section III.D.1 (as modified by
                  Section 2(a) of this Sixth Amendment), and the Existing
                  Agreement is hereby correspondingly amended as necessary to
                  reflect such termination on the foregoing terms. For the
                  avoidance of doubt, without limiting AOL's obligation to make
                  the $20,000,000 payment provided for in subpart (a) above, AOL
                  shall not be required to make any buyout payment(s) provided
                  for in the Existing Agreement or other similar payments in
                  connection with the termination of the Agreement or the
                  reduction or elimination of AOL's promotional obligations
                  under the Agreement (e.g., the buyout contemplated by Section
                  X.B.3 of the Existing Agreement as added in Paragraph 33 of
                  Amendment No. 3).

2.       End User Transition. a. Section III.A.7 (and any other relevant
         provision of the Agreement (e.g., Sections III.A.6 and III.D.1)) is
         hereby amended to provide for the following keywords and links on the
         AOL Service (and related linkage processes) (in lieu of any obligation
         to provide keywords, e-mail, icons, links and/or related linkage
         processes or other user access (e.g., to billing information as
         contemplated by Section III.D.1 of the Existing Agreement) as may be
         set forth in any provision(s) of the Existing Agreement), including for
         such periods as are after the termination of the Agreement as expressly
         set forth herein, it being expressly agreed that these obligations will
         survive such termination to the extent set forth herein:

                           (i) during the period commencing on the Sixth
         Amendment Effective Date and ending February 28, 2002 (the "Initial
         Keyword Transition Period"), (x) the Generic Keywords listed in
         Schedule 2 hereto shall link to a splash page created and controlled by
         AOL (or its agents) (the "Splash Page"), which will contain a link
         which is targeted to existing users of TS services and which links to
         the Dedicated Area (content of which shall be targeted to existing
         users of TS services and provided by TS subject to AOL's approval,
         which shall not be unreasonably withheld) or, if and to the extent
         mutually agreed, the TS-hosted web site described in Section III.A.6 of
         the Existing Agreement (such site, the "TS Site," and such link, the
         "TS Link"), and during the Initial Keyword Transition Period the TS
         Link shall be no less prominent than any other link on such Splash Page
         during such period, and (y) the Non-Generic Keywords listed in Schedule
         2 hereto shall link to the Dedicated Area or, if and to the extent
         mutually agreed, the TS Site; and

                           (ii) during the period beginning March 1, 2002 and
         ending February 28, 2003, (x) the Generic Keywords listed in Schedule 2
         hereto will link to the Splash Page, which will contain a TS Link, and
         (y) the Non-Generic Keywords listed in Schedule 2 hereto will link to
         the Dedicated Area or, if and to the extent mutually agreed, the TS
         Site; and

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                           (iii) notwithstanding anything to the contrary, (a)
         any other keywords in use prior to the Sixth Amendment Effective Date,
         including without limitation those keywords listed as Terminated
         Keywords in Schedule 2 hereto, shall no longer be available for use in
         connection with the Agreement following the Sixth Amendment Effective
         Date (except for the existing keyword "Sullivan007" which shall be
         available, as long as access thereto is reasonably necessary in light
         of third party claims against TS (or, if shorter, until such time as
         AOL can provide TS with soft copies of relevant content currently
         linked to from such keyword), for use by AOL and TS solely for
         management of the AOL-TS relationship in accordance with the Parties'
         past practice); (b) if at any time the aggregate number of End Users is
         less than 50,000, then at any time thereafter, AOL shall have the
         right, upon ninety (90) days notice to TS, to cease fulfilling its
         obligations under this Section 2; and (c) AOL shall have the right to
         revoke at any time any keyword which does not consist of a registered
         trademark of TS, if AOL believes in good faith that it faces a material
         risk of liability in relation to having designated such keyword for use
         in connection with this Agreement.

                  b. Section III.B.4 of the Existing Agreement is hereby amended
         and restated as follows: "AOL shall (so long as AOL can do so without
         violating applicable law or AOL's own generally-applicable privacy
         policies) use good faith efforts to advise TS in writing or by
         electronic means of any End User known to AOL that ceases to be a
         subscriber of the AOL Service as promptly as reasonably practicable
         after receiving notice thereof. TS shall continue servicing each such
         End User according to a service plan that TS deems appropriate
         (including without limitation passing on any incremental costs to such
         End Users), subject to such End User's continued credit-worthiness, in
         TS's sole discretion, but subject to applicable law."

                  c. As provided in Section X.A.1 of the Existing Agreement,
         each of TS and AOL shall continue to perform its obligations under
         Article IV and Section III.D.1 of the Agreement (as the latter
         provision is modified by this Sixth Amendment), with respect to End
         Users after the termination of the Agreement as provided for herein
         (provided, however, that the Services shall not be offered under the
         AOL Marks, notwithstanding anything to the contrary in the Existing
         Agreement).

                  d. For all purposes of this Sixth Amendment and the Existing
         Agreement, the references to a "customer of the Services" as of any
         date in the definition of "End Users" shall expressly mean and include
         any person that has subscribed to or otherwise signed up for the
         Services on or before September 30, 2001 (or a person who subscribes to
         or otherwise signs up for the Services directly through a makegood
         placement provided in connection with Section 4 or 5 below), whether or
         not such person has been provisioned or used the Services on or before
         such date (provided, however, that such person must have been
         provisioned or used the Services within sixty (60) calendar days
         thereafter).

                  e. AOL agrees that it will use good faith efforts to maintain
         connectivity with TS hardware (routers, EMC drivers, servers and
         concentrators) in substantially the same manner that exists as of the
         Sixth Amendment Effective Date, subject to any changes that AOL may
         make to its own network or any element(s) thereof at any time in its
         sole

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         discretion, and provided that AOL shall not be required to incur any
         material costs or risk of liability in connection with the connectivity
         contemplated hereby. For the avoidance of doubt, TS shall continue to
         be responsible for all costs and expenses of maintaining such
         connectivity for which it has been responsible prior to the Sixth
         Amendment Effective Date, including without limitation all costs and
         expenses associated with the T1 lines connecting the Parties'
         facilities.

                  f. For the avoidance of doubt, the Credit Card Processing
         Services Agreement dated October 7, 1997 among the Parties (as amended
         on January 1, 1999) (such agreement as amended, the "Credit Card
         Processing Agreement"), and the Electronic Payment Processing Services
         Agreement among the Parties dated January 1, 1999 (the "Electronic
         Payment Processing Agreement," and, together with the Credit Card
         Processing Agreement, the "Processing Agreements"), will survive the
         termination of the Agreement hereby in accordance with all relevant
         terms and conditions of the Processing Agreements (e.g., Section 4 of
         the Credit Card Processing Agreement and Section 4 of the Electronic
         Payment Processing Agreement).

3.       Marketing Payments by TS. Section V.B.1(e)(i)-(v) of the Existing
         Agreement (as added by Amendment No. 3) is hereby amended and restated
         as follows:

                  "For each of the calendar quarters in the first year after
                  such expiration or termination, an amount equal to:

                  (x) for the first calendar quarter of such year (i.e., the
                  third calendar quarter of the 2001 calendar year) an aggregate
                  amount equal to $5,000,000, such amount to be paid in two
                  installments, the first, in the amount of $2,500,000, to be
                  paid to AOL on the Sixth Amendment Effective Date (the "First
                  Fixed Payment"), and the second, in the amount of $2,500,000,
                  to be paid to AOL on October 4, 2001;

                  (y) for the second calendar quarter of such year (i.e., the
                  fourth calendar quarter of the 2001 calendar year) $1,000,000,
                  such amount to be paid on October 4, 2001 (together with the
                  $2,500,000 payable on October 4, 2001 pursuant to the
                  immediately preceding subparagraph, the "Second Fixed
                  Payment," and, together with the First Fixed Payment, the
                  "Fixed Payments"), notwithstanding anything to the contrary in
                  the Agreement); and

                  (z) no payment pursuant to this Section V.B.1(e) for any
                  period after the second calendar quarter of such year."

4.       Pop-Up Ads. The fifth sentence of Section III.A.1(a) of the Existing
         Agreement (as added by Amendment No. 3) is hereby amended such that the
         introductory part of the sentence reads: "All Pop-Up Ads provided
         hereunder to the "buyer" category of subscribers to the AOL Service
         shall be made available on-screen for at least one (1) day each and all
         Pop-Up Ads provided hereunder to the "non-buyer" category of
         subscribers to the AOL Service shall be made available on-screen for at
         least two (2) days each (each a "Minimum Pop-Up Time");...". The
         remainder of that sentence shall remain

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<PAGE>

         unchanged. In addition, the eighth sentence of Section III.A.1(a) of
         the Existing Agreement (as added by Amendment No. 3) is hereby deleted.

5.       Welcome Screen Promotions. The fourth, fifth and sixth sentences of
         Section III.A.7 of the Existing Agreement (as added by Amendment No. 3)
         are hereby amended and restated as follows:

                  "After the termination or expiration of the LD Exclusivity
                  Period and during the LD Non-Exclusive Period, if an Election
                  has been made, the Services shall be promoted on the Welcome
                  Screen of the AOL Service as follows: (a) during the first
                  quarter following termination or expiration of the LD
                  Exclusivity Period (until September 30, 2001), One Hundred
                  Eighty Million (180,000,000) Impressions per quarter; and (b)
                  thereafter, no Impressions; provided that, if there is a
                  shortfall in the delivery of Impressions in the quarter ending
                  September 30, 2001, such shall not be deemed a breach of the
                  Agreement by AOL, but AOL shall provide (as the sole remedy)
                  the balance of the required Impressions through advertising
                  placements on the AOL Network which have a comparable overall
                  value (equal to the value of the undelivered Impressions
                  comprising the shortfall) during the forty-five days
                  succeeding that date. Upon TS's request, after October 1,
                  2001, AOL will use reasonable efforts to inform TS of the
                  number of Impressions required to be delivered to the makegood
                  placements described in the preceding sentence. AOL shall use
                  commercially reasonable efforts to rotate such Welcome Screen
                  promotions relatively evenly through available slots devoted
                  to promoting commerce offerings. If the Welcome Screen is
                  reconfigured to remove commerce offerings (or is otherwise
                  redesigned in a manner which materially adversely affects the
                  value of the promotions contemplated hereby), such shall not
                  be deemed a breach of the Agreement by AOL, but AOL shall
                  provide, as the sole remedy, a comparable promotional
                  placement."

6.       Direct Mail. In connection with the removal of AOL branding from the
         products and services marketed in connection with the Existing
         Agreement, TS and Holdings expressly recognize that the content and
         nature of future direct mail marketing efforts may differ from efforts
         engaged in prior to the Sixth Amendment Effective Date.

7.       Transfer Plus.

                  (a) The following is hereby added to the end of the third
                  sentence of Section III.A.1(b) of the Existing Agreement (as
                  added by Amendment No. 3):

                  "; and provided further that, subject to the other terms of
                  this sentence, and conditioned on TS's prior payment to AOL of
                  all amounts due and owing to AOL in connection with Transfer
                  Plus on or prior to the Sixth Amendment Effective Date (the
                  "Previous Transfer Plus Amounts"), during the period beginning
                  on the Sixth Amendment Effective Date (or later date if TS has
                  not paid the Previous Transfer Plus Amounts as of the Sixth
                  Amendment Effective Date) and continuing through September 30,
                  2001, an amount of Seventeen Percent (17%)

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<PAGE>

                  shall apply in lieu of the Fifteen Percent (15%) amount
                  previously set forth in this sentence."

                  (b) The Parties hereby agree that certain amounts are in
                  dispute with respect to Transfer Plus (the "Transfer Plus
                  Disputed Amounts"), and agree to work together in good faith
                  and meet to resolve the Transfer Plus Disputed Amounts and
                  payments to be made by TS to AOL with respect thereto, if any,
                  on or before October 4, 2001. If the Parties fail to resolve
                  all outstanding issues with respect to the Transfer Plus
                  Disputed Amounts, then AOL shall have the right to submit such
                  issue to arbitration pursuant to Section XI D of the Existing
                  Agreement. In addition, the Parties agree that TS shall pay
                  the amount of One Million One Hundred Five Thousand Eight
                  Hundred Thirty Dollars ($1,105,830) to AOL in connection with
                  a September 12, 2001 invoice relating to Transfer Plus
                  provided by AOL to TS (the "Undisputed Transfer Plus Amounts")
                  (the Parties recognizing that there are amounts in the
                  September 12, 2001 invoice above and beyond the Undisputed
                  Transfer Plus Amounts which remain in dispute and are part of
                  the Transfer Plus Disputed Amounts). TS shall pay the
                  Undisputed Transfer Plus Amounts to AOL on or before October
                  11, 2001.

8.       Release of Liability. Each Party and its subsidiaries in which it holds
         at least 75% of the outstanding shares or other ownership interest of
         such subsidiaries (the "Releasing Subsidiaries") hereby irrevocably
         waives and releases all claims, suits, demands, actions, rights, and
         any other obligations or liabilities of any nature whatsoever, whether
         known, unknown, contingent or fixed, against each of the other Parties
         and their respective current and former affiliates, successors,
         assigns, directors, officers, agents, representatives, assigns, and
         employees arising prior to the Sixth Amendment Effective Date, other
         than third party claims that are subject to indemnification under the
         Agreement (the "Waiver"). The Waiver shall be effective notwithstanding
         any terms to the contrary contained in any agreement between the
         Parties (other than this Sixth Amendment). The Waiver shall not apply
         to any claims, suits, demands, actions and rights of the Parties with
         respect to (i) the Transfer Plus Disputed Amounts, (ii) the payment of
         the Fixed Payments, (iii) the payment of the Undisputed Transfer Plus
         Amounts, (iv) the payment by AOL pursuant to Section 1(a) of this Sixth
         Amendment or (v) any information required to be provided by TS under
         that certain Services Agreement dated as of December 1, 1999 by and
         between Digital Marketing Services, Inc. and TS. Each Party represents
         and warrants that it has all right, power and authority necessary to
         enter into this Waiver on behalf of its Releasing Subsidiaries and that
         this Waiver shall be binding on its Releasing Subsidiaries.

9.       Press Release. For the avoidance of doubt, Section VII.C.1 of the
         Existing Agreement shall apply to this Sixth Amendment. The Parties
         hereby agree that the text set forth in Schedule 10 hereto shall serve
         as the sole form of press release regarding this Sixth Amendment (the
         "Sixth Amendment Press Release") and that the Sixth Amendment Press
         Release shall be released to the public on September 20, 2001.

                                       6
<PAGE>

10.      Payments to the Furst Group. The Parties agree to work together in good
         faith to resolve any issues regarding payments which may be required to
         be made by AOL to the Furst Group, if any, in connection with Transfer
         Plus on or before October 4, 2001.

11.      Miscellaneous. The Existing Agreement is amended to provide that
         references in the Existing Agreement to "this Agreement" or "the
         Agreement" (including indirect references such as "hereunder,"
         "hereby," "herein" and "hereof") shall be deemed to be references to
         the Existing Agreement as amended hereby. If any term, provision,
         covenant or restriction of this Sixth Amendment is held by a court of
         competent jurisdiction to be invalid, void or unenforceable, the
         remainder of the terms, provisions, covenants, and restrictions of this
         Sixth Amendment shall remain in full force and effect and shall in no
         way be affected, impaired or invalidated and the parties shall
         negotiate in good faith to modify this Sixth Amendment to preserve, to
         the fullest extent legally permitted, each Party's anticipated benefits
         and obligations under this Sixth Amendment. If the parties are unable
         to so agree, the matter shall be resolved pursuant to Article XI.D of
         the Existing Agreement. This Sixth Amendment does not, and shall not be
         construed to, modify any term or condition of the Existing Agreement
         (including, without limitation, any payment obligations under the
         Existing Agreement) except as expressly provided in this Sixth
         Amendment. Except as herein provided, the Existing Agreement shall
         remain unchanged and in full force and effect. In the event of any
         inconsistency or discrepancy between the Existing Agreement and this
         Sixth Amendment, the terms and conditions set forth in this Sixth
         Amendment shall control. This Sixth Amendment may be executed in
         multiple counterparts, each of which shall be deemed an original, but
         all of which together shall constitute one and the same document. This
         Sixth Amendment shall be governed by the internal laws of the State of
         New York, without giving effect to the principles of conflict of laws
         thereof.

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<PAGE>

 IN WITNESS WHEREOF, the undersigned have caused this Sixth Amendment to be
signed on their behalf as of the date first written above.

AMERICA ONLINE, INC.

By:      /s/ Steven Rindner
   ---------------------------------
Name:  Steven Rindner
Title: VP, Business Affairs and Development
Date:  September 19, 2001

TALK AMERICA HOLDINGS, INC.

By:      /s/ Aloysius T. Lawn, IV
   ---------------------------------
Name:   Aloysius T. Lawn, IV
Title:  Executive Vice President-General Counsel
Date:   September 19, 2001

TALK AMERICA INC.

By:      /s/ Aloysius T. Lawn, IV
   ---------------------------------
Name:   Aloysius T. Lawn, IV
Title:    Executive Vice President-General Counsel
Date: September 19, 2001

                                       8
<PAGE>

                                   SCHEDULE 2

GENERIC KEYWORDS
----------------

aolld
keyword:ld
keywordld
ld
Long Distance
AOL Long Distance
AOL LD
ld bill
ld billing
ld members
LDHelp
Ldmember
Long Distance Billing
Long Distance Bill
Phone Bill
Keyword: LD Bill
AOL LD billing
local phone

NON-GENERIC KEYWORDS
--------------------

Talk.com
www.talk.com
------------
Talk America
Telesave
Telsave
Tel-save
telsave.com
tel-save.com

TERMINATED KEYWORDS
-------------------

ldbeta
ld9
ld5
LDFive
LDFive.
LDRW
LDRP
ldalpha
ldreward
ldrewards
LD Rewards
LD Survey
site993026
area993026
LD Free AOL
LD Info

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<PAGE>

                                   SCHEDULE 10
                                   -----------

                      TEXT OF SIXTH AMENDMENT PRESS RELEASE

       TALK AMERICA ANNOUNCES RESTRUCTURING OF AMERICA ONLINE RELATIONSHIP

RESTON, VA - September X, 2001- Talk America (NASDAQ NM: TALK), an integrated
telecommunications provider of bundled local and long distance services to
residential and small business customers, today announced that it reached an
agreement with America Online, Inc. on a comprehensive financial restructuring.

As part of the agreement, America Online has converted Talk America's $54
million "make-whole" obligation into 8% 10-year senior secured convertible debt.
The debt is convertible at AOL's option into 10.8 million shares of Talk America
common stock. Talk America may elect to pay 50% of the interest in kind. In
addition, America Online has converted the $36 million Talk America warrant
obligation to America Online into 3.1 million additional shares of Talk America
common stock, after which America Online will hold an aggregate of 7.2 million
shares of Talk America common stock or approximately 8.8%.

In addition, Talk America and America Online have agreed to discontinue their
marketing relationship, effective October 1. Under this marketing relationship,
Talk America provided telecommunications services under the AOL brand through
June 2001. In connection with that termination, America Online has agreed to
reduce the principal amount of the convertible debt by $20 million to $34
million. In addition, Talk America has agreed to pay America Online $6 million,
in two installments, for the balance of the marketing provided under the
agreement.

"We are pleased that America Online has worked with us to facilitate this
transaction," said Gabe Battista, Chairman and CEO of Talk America. "The
financial restructuring provides us with a strengthened capital structure as we
implement our strategy of marketing bundled local and long distance services
using the Talk America brand. With our focus on selling the 'bundle' we will be
able to concentrate our marketing dollars to acquire new customers within our
targeted markets."

In January 1999, America Online made a $55 million investment in Talk America
common stock at $19 per share. As part of that transaction, Talk America
provided America Online with the ability to protect the value of that investment
for a period of time, permitting America Online, at its election, to require
Talk America to make certain "make whole" payments to America Online on or
before September 30, 2001.

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<PAGE>

ABOUT TALK AMERICA

Talk America is an integrated communications provider marketing a bundle of
local and long distance services to residential and small business customers
utilizing its proprietary "real-time" online billing and customer service
platform. Talk America has added local service to its offerings, after ten years
as a long distance provider, serving up to 1.5 million customers nationwide. The
Company delivers value in the form of savings, simplicity and quality service to
its customers based on the efficiency of its low-cost, nationwide network and
the effectiveness of its systems that interface electronically with the Bell
Operating Companies. For further information, visit the Company online at:
www.talk.com.

Please Note: "Safe Harbor" statement under the Private Securities Litigation
Reform Act of 1995: Statements in this press release regarding Talk America's
business that are not historical facts are "forward-looking statements" that
involve risks and uncertainties. For a discussion of such risks and
uncertainties, which could cause actual results to differ from those contained
in the forward-looking statements, see the discussions contained in its Annual
Report on Form 10-K for the year-ended December 31, 2000 and its Quarterly
Report on Form 10-Q for the quarters ended March 31, 2001, and June 30, 2001,
and any subsequent SEC filings.

                                       11EXHIBIT 10.7

                              CONSENT AND AMENDMENT
                                       TO
                             TALK.COM LOAN DOCUMENTS

         This CONSENT AND AMENDMENT TO TALK.COM LOAN DOCUMENTS (this
"AMENDMENT") is entered into as of August 10, 2001 by and among TALK AMERICA
INC. (f/k/a Talk.com Holding Corp.) ("TALK AMERICA"), and ACCESS ONE
COMMUNICATIONS CORP. ("ACCESS ONE"), and each other Borrower under and as
defined in the Credit Agreement (defined below) (together with Talk America and
Access One, the "BORROWERS"), and TALK AMERICA HOLDINGS, INC. (f/k/a Talk.com,
Inc.) ("TALK HOLDINGS" or "GUARANTOR"), and MCG FINANCE CORPORATION (as
"ADMINISTRATIVE AGENT" and as a "TERM LENDER") and MCG CAPITAL CORPORATION
(f/k/a MCG Credit Corporation) (as a "TERM LENDER").

                              W I T N E S S E T H:
                              - - - - - - - - - -

         WHEREAS, Borrowers, Administrative Agent and each Term Lender are
parties to that certain Credit Facility Agreement executed and effective as of
October 20, 2000 (as amended as of the date hereof, the "CREDIT AGREEMENT"); and

         WHEREAS, TALK HOLDINGS and Administrative Agent are parties to that
certain Guaranty made and effective as of October 20, 2000 (as amended as of the
date hereof, the "GUARANTY"); and

         WHEREAS, a certain Master Security Agreement, Collateral Assignment and
Equity Pledge (as amended as of the date hereof, the "SECURITY AGREEMENT") by
and among Talk America, Access One (and each and other signatory thereto and
each other Person that is listed on Schedule 1 thereto as of the date hereof,
collectively, the "GRANTORS") was entered into and made effective as of October
20, 2000; and

         WHEREAS, each of the Borrowers, Guarantor and Grantors (collectively,
the "OBLIGORS") and Administrative Agent and each Term Lender desire to amend
the Credit Agreement, the Guaranty and the Security Agreement as set forth in
this Amendment; and

         WHEREAS, Obligors, Administrative Agent and each Term Lender will
benefit directly, substantially and materially from the provisions set forth in
this Amendment;

         NOW, THEREFORE, for other good and valuable consideration (the receipt
and sufficiency of which are hereby acknowledged), the parties hereto hereby
agree as follows:

         1.       Amendments to the Loan Documents.

                  1.1.  Intentionally Blank.

                  1.2.  Intentionally Blank.

                                       -1-
<PAGE>

                  1.3.  Additional  Guarantor  Covenants - Revised.  The last
sentence of paragraph d of Section 10 of the Guaranty is hereby amended and
restated in its entirety as follows:

         "FOR AVOIDANCE OF DOUBT, Guarantor also shall be entitled to receive
         and accept payments and dividends from a Borrower if and to the extent
         (a) such Borrower is then expressly permitted to make such payments
         under the Credit Agreement and (b) either (I) Guarantor at the time of
         such payment or dividend has less than $7.5 million of cash,
         immediately available funds, and readily marketable securities or (II)
         within 10 Business Days after receiving the proceeds of such payment or
         dividend, Guarantor either uses such funds (in a manner not otherwise
         prohibited by this Guaranty) to make a payment on an obligation to an
         unrelated third party or returns such funds to such Borrower."

                  1.4.     Collateral  Definitions  under Security  Agreement -
Revised.  Sections  1.1(d),  1.1(i) and 2.5 of the Security Agreement are hereby
amended and restated in their entirety, respectively, as follows:

         "1.1(d). Receivables, Accounts, Contracts, Money, Instruments, Chattel
         Paper and Related Documents - All of such Grantor's accounts,
         receivables, cash collateral accounts, lock box accounts, other deposit
         accounts, security deposits, advance payments, contracts, contract
         rights, leases, licenses, insurance policies, chattel paper, documents,
         instruments (whether or not negotiable), money, letter of credit
         rights, general intangibles and other obligations of any kind, and
         whether or not arising out of or in connection with the sale or lease
         of goods or the rendering of services (any and all of the foregoing
         being the "Contract Rights"), and all rights of any Grantor in and to
         all agreements, security agreements, guaranties, leases and other
         contracts securing or otherwise relating to any such Contract Rights
         (any and all such security agreements, guaranties, leases and other
         contracts being the "Related Contracts"); and"

         "1.1(i). Securities and Investment Property - Without limiting any of
         the foregoing, all of such Grantor's right, title, interest and
         benefits in, to and under all stocks and derivative securities,
         options, warrants, bonds, and other securities, security entitlements,
         securities accounts, financial assets and other investment property
         (including all such securities representing ownership in such Grantor's
         subsidiaries), whether now owned or hereafter acquired and the proceeds
         and general intangibles related thereto (including all Dividends and
         Distributions); and"

         "2.5. Negotiable Documents, Instruments, Certificated Securities and
         Chattel Paper. Contemporaneously with the execution hereof, each
         Grantor has delivered to Administrative Agent possession of all
         originals of all negotiable documents, certificated securities,
         instruments and chattel paper (other than checks received in the
         ordinary course of business) currently owned or held by such Grantor
         (duly endorsed in blank, if requested by Administrative Agent). Each
         Grantor shall not create any chattel paper that does not contain a
         legend acceptable to Administrative Agent indicating that
         Administrative Agent has a security interest in such chattel paper."

                                       -2-
<PAGE>

                  1.5. Additional Provisions to Security Agreement. The
following new Sections 3.10, 3.11 and 3.12 shall be inserted into the Security
Agreement immediately following existing Section 3.09:

         "3.10. Possession. Each Grantor shall have possession of such Grantor's
         Collateral, except where expressly otherwise provided in this Security
         Agreement or where Administrative Agent chooses to perfect the security
         interest in such Collateral by possession in addition to the filing of
         a financing statement. Where any Grantor's Collateral is in the
         possession of a third party, such Grantor will notify such third party
         of Administrative Agent's security interest and will use commercially
         reasonable efforts to obtain an acknowledgment from the third party
         that it is holding the Collateral for the benefit of Administrative
         Agent. Such Grantor shall prepare any such notice to be delivered to
         such third party and shall provide Administrative Agent with a copy of
         such notice."

         "3.11. Control. In addition to any other assurances and covenants
         provided in this Security Agreement, each Grantor will cooperate with
         Administrative Agent in obtaining control with respect to any
         Collateral consisting of:

                  a.       Deposit Accounts; and

                  b.       Investment Property;

                  c.       Letter-of-credit rights; and

                  d.       Electronic chattel paper."

         "3.12. Additional Filing Authorization. Without otherwise limiting any
         other authorization included in this Agreement, each Grantor hereby
         authorizes Lender from time to time to file, record and/or register
         financing statements, continuation statements and other instruments and
         documents (and, as applicable, any amendments thereto) necessary or
         appropriate to evidence, provide notice of and/or perfect the interest
         of Lender relative to all or any part of the Collateral without the
         signature of such Grantor as and to the maximum extent permitted by
         applicable law. A carbon, photographic or other reproduction of this
         Security Agreement or any financing statement covering the Collateral
         or any part thereof shall be sufficient as a financing statement where
         permitted by applicable law."

         2. Update of Schedules. Borrowers (on or before September 30, 2001)
shall deliver to Administrative Agent (a) each of the Schedules required to have
been delivered pursuant to any Loan Document, updated to reflect facts,
circumstances and conditions as of the date such updated Schedules are delivered
pursuant to this Section 2, and (b) a chart indicating each of the approvals
under applicable state law that Borrowers have been required to obtain as of and
after the Closing Date as a result of the transactions under the Loan Documents
(including an indication of the status of each such required approval).

         3. Intentionally Blank.

         4. Waivers re Existing Financial Covenant Default. Administrative Agent
and each Lender hereby waives any Default or Event of Default (a) under Section
7.1.3 of the Credit Agreement resulting from Borrowers' failure to be in
compliance with the Subscriber Acquisition

                                      -3-
<PAGE>

Cost financial covenant set forth in Section 4.1.2 thereof with respect to LD
Only Subscribers for the period ending June 30, 2001 and (b) under Section 7.1.4
of the Credit Agreement resulting from Borrowers' failure to timely provide
Administrative Agent with the notice required by Section 4.13 thereof as a
result of the Default under Section 4.1.2 thereof.

         4A. Grant of Additional Warrants. In consideration of and as a
condition to the various amendments and consents agreed to herein, Talk Holdings
hereby agrees, within 5 Business Days after the date hereof, to issue and grant
to Term Lenders (ratably based upon each such Lender's Commitment) warrants
exercisable for 150,000 shares of common stock of TALK HOLDINGS (par value $0.01
per share). Such warrants shall have the same substantive terms and conditions
as the EBITDA Shortfall Warrants issued to Term Lenders, except that (a) the
exercise price shall be $0.68 per share and (b) the warrants shall be
immediately exercisable but subject to an overall lockup period of 1 year from
the date hereof (for the warrants and warrant shares collectively) with
exceptions for (i) transfers to affiliates, (ii) transfers along with all or
part of the indebtedness under the Loan Documents, (iii) transfers to or
redemptions by Holdings or any affiliate thereof, (iv) transfers in connection
with or after a change of control of TALK HOLDINGS, and (v) transfers in a
private transaction that is subject to such transfer restrictions for the
balance of the lockup period. Such warrants shall be treated as additional
compensation for the cost and risk incurred associated with (y) the present and
future underwriting and syndicating of the Credit Facilities and (z) certain
amendments to, and consents under, the Credit Facilities, but shall in no way
affect or relieve any Borrower or TALK HOLDINGS of any of its obligations to
fully and timely perform and to repay the entire indebtedness due under the Loan
Documents.

         5.       Miscellaneous.

                  5.1. Loan Document; Definitions. This Amendment is a Loan
Document executed pursuant to the Credit Agreement and (unless otherwise
expressly indicated herein) is to be construed, administered and applied in
accordance with the terms and provisions thereof. Capitalized terms used herein
without separate definitions have the meaning ascribed to such terms (as
applicable) in the Credit Agreement or in the other Loan Documents. The rules of
construction and the number and gender provisions under Article 9 of the Credit
Agreement are also applicable herein.

                  5.2. Binding and Governing Law. This Amendment has been
delivered by Borrowers and the other Obligors and has been received by
Administrative Agent in the Commonwealth of Virginia. This Amendment shall be
binding upon and shall inure to the benefit of the parties hereto and their
respective successors, assigns, heirs, personal representatives and executors.
This Amendment shall be governed as to its validity, interpretation,
construction and effect by the laws of the Commonwealth of Virginia (without
giving effect to the conflicts of law rules of the Commonwealth of Virginia).

                  5.3. Survival. All agreements, representations, warranties and
covenants of any Obligor contained herein or in any documentation required
hereunder shall survive the execution and delivery of this Amendment and (except
as otherwise expressly provided herein) will continue in full force and effect
so long as any indebtedness or other obligation of any Borrower or other Obligor
to Administrative Agent or any Term Lender remains outstanding under any of the
Loan Documents.

                                       -4-
<PAGE>

                  5.4. Waiver of Suretyship Defenses. Each Obligor hereby waives
any and all defenses (other than the defense of payment or the defense of accord
and satisfaction) and rights of discharge based upon suretyship or impairment of
collateral (including, without limitation, lack of attachment or perfection with
respect thereto) that it, he or she may now have or may hereafter acquire with
respect to Term Lender or any of its, his or her obligations hereunder, under
any Loan Document or under any other agreement that it, he or she may have or
may hereafter enter into with Term Lender.

                  5.5. WAIVER OF LIABILITY. EACH OBLIGOR (A) AGREES THAT
ADMINISTRATIVE AGENT AND EACH TERM LENDER (AND THEIR RESPECTIVE DIRECTORS,
OFFICERS, EMPLOYEES AND AGENTS) SHALL HAVE NO LIABILITY TO ANY OBLIGOR (WHETHER
SOUNDING IN TORT, CONTRACT OR OTHERWISE) FOR LOSSES OR COSTS SUFFERED OR
INCURRED BY ANY OBLIGOR IN CONNECTION WITH OR IN ANY WAY RELATED TO THE
TRANSACTIONS CONTEMPLATED OR THE RELATIONSHIP ESTABLISHED BY ANY LOAN DOCUMENT,
OR ANY ACT, OMISSION OR EVENT OCCURRING IN CONNECTION HEREWITH OR THEREWITH,
EXCEPT FOR FORESEEABLE ACTUAL LOSSES RESULTING DIRECTLY FROM ADMINISTRATIVE
AGENT'S OR ANY TERM LENDER'S OWN GROSS NEGLIGENCE, WILLFUL MISCONDUCT OR FRAUD
AND (B) WAIVES, RELEASES AND AGREES NOT TO SUE UPON ANY CLAIM AGAINST
ADMINISTRATIVE AGENT OR ANY TERM LENDER (OR THEIR RESPECTIVE DIRECTORS,
OFFICERS, EMPLOYEES OR AGENTS) WHETHER SOUNDING IN TORT, CONTRACT OR OTHERWISE,
EXCEPT FOR CLAIMS FOR FORESEEABLE ACTUAL LOSSES RESULTING DIRECTLY FROM
ADMINISTRATIVE AGENT'S OR ANY TERM LENDER'S OWN GROSS NEGLIGENCE, WILLFUL
MISCONDUCT OR FRAUD. MOREOVER, WHETHER OR NOT SUCH DAMAGES ARE RELATED TO A
CLAIM THAT IS SUBJECT TO THE WAIVER EFFECTED ABOVE AND WHETHER OR NOT SUCH
WAIVER IS EFFECTIVE, ADMINISTRATIVE AGENT AND ANY TERM LENDER (AND THEIR
RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS) SHALL HAVE NO LIABILITY
WITH RESPECT TO (AND EACH OBLIGOR HEREBY WAIVES, RELEASES AND AGREES NOT TO SUE
UPON ANY CLAIM FOR) ANY SPECIAL, INDIRECT, CONSEQUENTIAL, PUNITIVE OR
NON-FORESEEABLE DAMAGES SUFFERED BY ANY OBLIGOR IN CONNECTION WITH OR IN ANY WAY
RELATED TO THE TRANSACTIONS CONTEMPLATED OR THE RELATIONSHIP ESTABLISHED BY ANY
LOAN DOCUMENT, OR ANY ACT, OMISSION OR EVENT OCCURRING IN CONNECTION HEREWITH OR
THEREWITH.

                  5.6. WAIVER OF JURY TRIAL. ADMINISTRATIVE AGENT AND EACH
OBLIGOR EACH HEREBY KNOWINGLY, VOLUNTARILY AND INTENTIONALLY WAIVES ANY RIGHTS
IT MAY HAVE TO A TRIAL BY JURY IN RESPECT OF ANY LITIGATION (WHETHER AS CLAIM,
COUNTER-CLAIM, AFFIRMATIVE DEFENSE OR OTHERWISE) IN CONNECTION WITH OR IN ANY
WAY RELATED TO ANY OF THE LOAN DOCUMENTS, OR ANY COURSE OF CONDUCT, COURSE OF
DEALING, STATEMENTS (WHETHER VERBAL OR WRITTEN), ACTIONS OR INACTIONS OF TERM
LENDER OR ANY OBLIGOR. EACH OBLIGOR ACKNOWLEDGES AND AGREES (A) THAT IT HAS
RECEIVED FULL AND SUFFICIENT CONSIDERATION FOR THIS PROVISION (AND EACH OTHER
PROVISION OF EACH OTHER LOAN DOCUMENT TO WHICH IT IS A PARTY), AND (B) THAT IT
HAS BEEN ADVISED BY LEGAL COUNSEL IN CONNECTION HEREWITH, AND (C) THAT THIS
PROVISION IS A MATERIAL INDUCEMENT FOR TERM LENDER ENTERING INTO THE LOAN
DOCUMENTS AND FUNDING ADVANCES THEREUNDER.

                  5.7. Construction. The language in all parts of this Amendment
and the other Loan Documents in all cases shall be construed as a whole
according to its fair meaning.

                  5.8. Loan Documents. Except as modified herein or in any other
instruments or documents executed in connection herewith, (a) all terms and
conditions of the Loan Documents shall remain in effect in accordance with their
original tenor; and (b) nothing contained herein shall constitute a waiver by
Administrative Agent or of any of Administrative Agent's or any Term

                                       -5-
<PAGE>

Lender's rights and remedies (including, without limitation, any of
Administrative Agent's or any Term Lender's rights or remedies as to, or any
obligations owing to Administrative Agent or any Term Lender of, any person who
may be liable to Administrative Agent or any Term Lender on account of any of
the Obligations, whether or not such person is a party hereto), all of which
rights and remedies are expressly reserved and not waived. Each agreement,
covenant, representation and warranty of each Obligor hereunder shall be deemed
to be in addition to, and not in substitution for, the agreements, covenants,
representations and warranties previously made by each such Obligor. In the
event that there shall be any inconsistency between any provisions of this
Agreement and a provision set forth in any other Loan Document, the provision
most favorable to Administrative Agent, or any Term Lender and most restrictive
as to Obligor shall govern.

                  5.9. Time of the Essence. Time is of the essence of each
aspect of this Agreement.

                  5.10. Successors. This Agreement shall be binding upon and
inure to the benefit of each Obligor, Administrative Agent and each Term Lender
and their respective successors, heirs and assigns, except that no Obligor may
assign or transfer its rights or obligations hereunder without the prior written
consent of Administrative Agent in its sole and absolute discretion. Obligor
acknowledges that Administrative Agent, from time to time, may sell
participation interests in, or assign, all or some of the Obligations to third
parties, on such terms and conditions as Administrative Agent may determine in
its discretion (subject, however, to any applicable restrictions on such
participations and assignments under the Credit Agreement), and each Obligor
specifically consents thereto.

                  5.11. Complete Agreement, Amendments. This Agreement, together
with the Loan Documents, contains the entire agreement among the parties with
respect to the transactions contemplated hereby, and supersedes all
negotiations, presentations, warranties, commitments, offers, contracts and
writings prior to the date hereof relating to the subject matters hereof. This
Agreement may be amended, modified, waived, discharged or terminated only by a
writing signed by the party to be charged with such amendment, modification,
waiver, discharge or termination.

                  5.12. Expenses. Borrowers shall pay on demand, regardless of
whether any Default or Event of Default has occurred or whether any proceeding
to enforce any Loan Document has been commenced, all fees and expenses
(including, without limitation, the reasonable fees and disbursements of
internal and external counsel to Administrative Agent) of or incurred by
Administrative Agent in connection with (a) the negotiation, preparation,
administration, filing or recording of this Agreement, and (b) the collection of
the Obligations and any and all other obligations of Borrower to Administrative
Agent or any Term Lender whether now existing or hereafter arising, or with the
preservation and enforcement of Administrative Agent's or any Term Lender's
rights and remedies in connection with the Loan Documents. This covenant shall
survive payment of the Obligations and termination of this Agreement.

                  5.13. Severability. Any provision hereof that is prohibited or
unenforceable in any jurisdiction shall be, as to such jurisdiction, ineffective
to the extent of such prohibition or unenforceability without invalidating the
remaining provisions hereof, and any such prohibition or unenforceability in any
jurisdiction shall not invalidate or render unenforceable such provision in any
other jurisdiction.

                                       -6-
<PAGE>

                  5.14. Interest Limitation. No provision of this Agreement or
any Loan Document shall require the payment, or permit the collection, of
interest in excess of the highest rate permitted by applicable law. To the
extent that any interest received by Administrative Agent exceeds the maximum
amount permitted, such payment shall be credited to unpaid principal, provided,
however, that any excess amount remaining after full payment of principal shall
be returned to the payor.

                  5.15. References to "Guarantor". All references to "Guarantor"
in this Agreement shall mean each and all Guarantors (whether Guarantor is a
natural person or a legal entity, and regardless of the use of the word "it" or
similar term to refer to Guarantor), except where the context otherwise
requires. Each promise, agreement, representation, warranty and covenant made by
Guarantor herein is made and given by each Guarantor, jointly and severally, and
all rights of Guarantor hereunder are enjoyed with respect to each Guarantor,
except as expressly set forth herein.

                  5.16. References to "Obligor". All references to "Obligor" in
this Agreement shall mean each and all Obligors (whether Obligor is a natural
person or a legal entity, and regardless of the use of the word "it" or similar
term to refer to Obligor), except where the context otherwise requires. Each
promise, agreement, representation, warranty and covenant made by Obligor herein
is made and given by each Obligor, jointly and severally, and all rights of
Obligor hereunder are enjoyed with respect to each Obligor, except as expressly
set forth herein.

                  5.17. Descriptive Headings. The captions in this Agreement are
for convenience of reference only and shall not define or limit the provisions
hereof.

                  5.18. Counterparts. This Agreement may be executed by one or
more of the parties on any number of separate counterparts, and all of said
counterparts taken together shall be deemed to constitute one --- and the same
instrument.

                     [REMAINDER OF PAGE INTENTIONALLY BLANK]

                                      -7-

<PAGE>

         IN WITNESS WHEREOF, the undersigned, by their duly authorized officers,
have executed this Amendment, as an instrument under seal (whether or not any
such seals are physically attached hereto), as of the day and year first above
written.

ATTEST:                                   TALK AMERICA INC. (f/k/a Talk.com
                                          Holding Corp.)

By:   /s/ Craig H. Pizer                  By:    /s/ Aloysius T. Lawn, IV
   ----------------------------              ------------------------------
Name:  _________________________          Name:  Aloysius T. Lawn, IV
Title: _________________________          Title: Executive Vice President,
                                                 General Counsel and Secretary
[SEAL]

ATTEST:                                   ACCESS ONE COMMUNICATIONS CORP.

By:    /s/ Craig H. Pizer                 By:    /s/ Aloysius T. Lawn, IV
   ------------------------------            -----------------------------------
Name:   _________________________         Name:  Aloysius T. Lawn, IV
Title:  _________________________         Title: Executive Vice President,
                                                 General Counsel and Secretary
[SEAL]

ATTEST:                                   OMNICALL, INC.

By:     /s/ Craig H. Pizer                By:   /s/ Aloysius T. Lawn, IV
   ------------------------------            ----------------------------------
Name:   _________________________         Name:  Aloysius T. Lawn, IV
Title:  _________________________         Title: Executive Vice President,
Counsel and Secretary

[SEAL]

ATTEST:                                   THE OTHER PHONE COMPANY, INC.

By:   /s/ Craig H. Pizer                  By:    /s/ Aloysius T. Lawn, IV
   ------------------------------            -----------------------------------
Name:   _________________________         Name:  Aloysius T. Lawn, IV
Title:  _________________________         Title: Executive Vice President,
                                                 General Counsel and Secretary
[SEAL]

                       [SIGNATURES CONTINUE ON NEXT PAGE]

                                      -8-

<PAGE>

         IN WITNESS WHEREOF, the undersigned, by their duly authorized officers,
have executed this AMENDMENT, as an instrument under seal (whether or not any
such seals are physically attached hereto), as of the day and year first above
written.

ATTEST:                              TALK AMERICA OF VIRGINIA, INC.
                                     (f/k/a Tel-Save Holdings of Virginia, Inc.)

By:    /s/ Craig H. Pizer            By:  /s/ Aloysius T. Lawn, IV
   ------------------------------       -----------------------------------
Name:   _________________________    Name:  Aloysius T. Lawn, IV
Title:  _________________________    Title: Executive Vice President,
                                            General Counsel and Secretary
[SEAL]

ATTEST:                              TALK AMERICA HOLDINGS, INC. (f/k/a
                                     Talk.com, Inc.)

By:   /s/ Craig H. Pizer             By:   /s/ Aloysius T. Lawn, IV
   ------------------------------       -----------------------------------
Name:   _________________________    Name:  Aloysius T. Lawn, IV
Title:  _________________________    Title: Executive Vice President,
                                            General Counsel and Secretary
[SEAL]

                       [SIGNATURES CONTINUE ON NEXT PAGE]

                                      -9-

<PAGE>

         IN WITNESS WHEREOF, the undersigned, by their duly authorized officers,
have executed this AMENDMENT, as an instrument under seal (whether or not any
such seals are physically attached hereto), as of the day and year first above
written.

WITNESS:                                  MCG FINANCE CORPORATION (AS
                                          ADMINISTRATIVE AGENT)

By:    /s/ Ruth Thomas                    By:   /s/ Steven F. Tunney
   -----------------------------             ----------------------------------
                                          Name:  Steven F. Tunney
                                          Title: President and Chief Operating
                                                 Officer1

WITNESS:                                  MCG FINANCE CORPORATION (AS
                                          TERM LENDER)

By:    /s/ Ruth Thomas                    By:  /s/ Steven F. Tunney
   -----------------------------             ----------------------------------
                                          Name:  Steven F. Tunney
                                          Title: President and Chief Operating
                                                 Officer

WITNESS:                                  MCG CAPITAL CORPORATION (As Term
                                          LENDER, F/K/A MCG CREDIT CORPORATION)

By:   /s/ Ruth Thomas                     By:  /s/ Steven F. Tunney
   -----------------------------             ----------------------------------
                                          Name:  Steven F. Tunney
                                          Title: President and Chief Operating
                                                 Officer

                                      -10-

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