Document:

Agreement

                                    Between:
           Swiftnet limited and Abraham Keinan (Hereinafter Swiftnet)
                                       And
                         Campbeltown Business Ltd. (CT)

1)       CT through its directors has introduced  Swiftnet to various  financial
         and business opportunities that are already taken  advantage by and /or
         explored by Swiftnet.
2)       Swiftnet hires CT as its financial and business development consultant.
3)       Swiftnet will pay CT 2000 UK pounds per month.
4)       In addition to paragraph "3" Swiftnet will pay CT a performance related
         payment as follows:

         a)  In a month  that Swiftnet revenues are between  125,000  to 150,000
             Pounds additional amount of 1,250  Pounds (sums to 3,250 Pounds per
             month)
         b)  In  a month  that  revenues  are  between 150,000 - 175,000 Pounds,
             additional amount of 2,500 Pounds (sums to 4,500 Pounds).
         c)  In  a month  that revenues  exceed  175,000  Pounds: additional 275
             Pounds (sums to 4,750 Pounds per   month).

5)       This agreement is for 18 months and will be renewed by mutual agreement
         of Swiftnet and CT.
6)       Swiftnet has the option to terminate the agreement if Mr. Guy Nissenson
         and Mr. Haim Nissenson are not involved with CT.

Signatures & Dates:

---------------------                           --------------------
Swiftnet Ltd                                    Campbeltown Business Ltd.

----------------------
Abraham KeinanAgreement

Dated 8/5/2000

Between:         (1) NISSIM LEVY of 7 Ingram Avenue, London, NW11 ("Dr. Levy")

                 (2) ABRAHAM KEINAN and SWIFTNET LIMITED both 958-964 High Road,
                     London N12 (together "SWIFTNET")

WHEREBY IT IS AGREED as follows:

     1. Dr. Levy will  procure the grant to  Swiftnet,  by a bank of Dr.  Levy's
choosing of a loan  facility of USD  200,000  repayable  as to one third after 2
years and as to the balance  after 3 years and  otherwise  on normal  commercial
terms acceptable to Swiftnet ("the loan").

     2. In Consideration  of Dr. Levy's said  assistance,  Swiftnet will procure
that  Dr.  Levy is  allotted  2  percent  of the  equity  of the US  corporation
xfone.com  inc. (or such other name as shall be chosen) which Swiftnet is now in
course of establishing and into which Swiftnet intends to merge with a view to a
public offering.

     3. If the US  corporation  referred  to in clause 2 shall not make a public
offering of its shares within 1 year of the date of this agreement then Dr. Levy
shall have the option to surrender  his shares in to  Swiftnet's  nominee and in
that case,  Swiftnet shall be obliged to pay to Dr. Levy 5 per cent per annum of
the amount of the loan  outstanding  from time to time from the date of grant of
the loan until repayment.

     4. Mr.  Abraham  Keinan and Swiftnet Ltd.  agree that they shall be jointly
and severally liable to indemnify Dr. Levy against any demand,  claim or call on
Dr. Levy made by a bank in  consequence of any failure by Swiftnet Ltd. to repay
the loan or any part of it.

     5. The  indemnity  contained  in clause 4 shall,  as  regards  Mr.  Keinan,
continue to bind his estate in the event of his death, bankruptcy or incapacity.

     6. This agreement shall be governed by English law.

SIGNED by the parties or their duly authorised  representatives the day and year
first before written.

NISSIM LEVY
ABRAHAM KEINAN
SWIFTNET LIMITEDRESELLER AGREEMENT

This   International   Telecommunications   Reseller  Services   Agreement  "the
Agreement",  is entered  into between  Swiftnet  Limited  "Swiftnet"  registered
office  situate  at  Britannia  House  958/964  High  Road  London  N12  9RY and
InTouchUK.com  Limited "the reseller" registered office situated at The Business
Centre,  Edward Street,  Redditch,  Worcestershire  B97 6HA on 25th day of April
2000.

1. Definitions

In this  agreement  the  subsequent  terms  words  and  phrases  shall  have the
following meaning:

"Act" shall mean the Telecommunications Act 1984.

"Carrier" shall mean either Swiftnet and or any other telephone  company that is
capable of carrying the traffic volume over the relevant  telephone  networks in
order to accomplish the services as described in Schedule 1 to this agreement.

"Commencement  Date" shall mean the date on which the customer  accepts/receives
supply of the services from the Reseller

"Commencement" shall mean the start of the service from the reseller

"Contract Date" shall mean the date on which the Reseller  accepts supply of the
service from Swiftnet

"Customer"  shall mean any  individual  and or  corporate  body  limited  and or
unlimited and or partnership  and or joint venture and or any other  association
of  individuals  with or without  corporate  bodies to whom the  Reseller  shall
supply the services

"Relevant  Service  Order"  shall mean that order  submitted  to Swiftnet by the
reseller  indicating  the services  required by the customer in accordance  with
clause 6

"Reseller Contract"  shall mean the agreement for supply of services between the
reseller and the any customers

"Services"  shall mean the  specified  telecommunications  services  supplied by
Swiftnet as described in the relevant service order.

"Termination"  shall mean the cessation of the services  supplied by Swiftnet to
the Reseller.

"Traffic  Volume"  shall mean the  expected  volume of  chargeable  minutes that
Swiftnet  and or any other  carrier  will carry over the network of the relevant
carriers for the Reseller.

1.2 Unless  otherwise  specified in this  agreement  the  singular  includes the
plural and vice versa.

1.3 All  references to the male  gender shall include  and be applicable  to the
female gender

2 Services

2.1 The reseller is and will be entitled to sell to the  customers  the services
from the date of this agreement until termination thereof in accordance with the
terms of this agreement

2.2 The  services to be sold to a customer  are to be submitted to Swiftnet on a
service order which is to be signed by both Swiftnet and the reseller

2.3 Swiftnet reserves the right to reject any customer.

2.4 Swiftnet reserves  the right  to  use any  carrier and  or subcontractor  to
perform some or all of its obligations and or duties hereunder

3 Term

3.1 This  agreement  shall  commence from the date of signature of both Swiftnet
and the reseller of this  agreement or the  commencement  date  whichever is the
earlier and shall be for an initial period of no less than 90 days

3.2 This  agreement  will  continue  unless  and until  either  Swiftnet  or the
reseller  terminates  this  agreement  in  accordance  with  clause  9  and  its
subsections

4 Swiftnet Responsibilities

4.1 Swiftnet agrees to provide the reseller with such technical information that
will enable the reseller to promote the services.

4.2 Provide the Reseller with the following:

i.       Monthly billing for reseller's own account (total),

ii.      Monthly billing for reseller's customers.

4.3 Swiftnet  will not deliberately contact the reseller's customers directly or
indirectly.

4.4  Swiftnet  will  adapt  its  capability  according  to the  traffic  volumes
presented to it by the reseller and the actual growth of traffic.

5 Reseller's Responsibilities

5.1 The reseller will use its best endeavors to promote the services of Swiftnet

5.2 The reseller will not refer directly or indirectly to Swiftnet or use any of
Swiftnet's  trade names or  literature or hold it out to be in any way connected
to Swiftnet

5.3 The  reseller will  use its best endeavors to adhere to the  traffic volumes
presented to Swiftnet by the reseller

6 Service Orders

6.1 The reseller must ensure that prior to the submission of a relevant  service
order that the customer is situated in a  geographical  location  where services
can be both supplied and received

6.2 The reseller is to submit all relevant  service orders to Swiftnet either by
email or  facsimile  or such other  method as agreed  between  Swiftnet  and the
reseller

6.3 Swiftnet will process the relevant  service  orders in  accordance  with its
usual operating procedures and will inform the reseller within seventy-two hours
if there is any  reason why it cannot  supply the  relevant  service  order,  in
accordance with clause 2.3.

6.4 If either  Swiftnet and or the reseller can determine  that the services are
being used for fraudulent  purposes,  then either Swiftnet enable termination of
the service to the customer and or the reseller may request that Swiftnet ensure
termination of the services

7 Payment

7.1 The reseller must pay Swiftnet all owed monies up to 21 days after billing.

7.2 All sums referred to in this  agreement and schedules  thereto are exclusive
of Value Added Tax which will added at the ruling rate  together  with any other
taxes that from time to time may be introduced

7.3 If the  reseller  wishes to  dispute  any  invoice  from  Swiftnet  then the
following will apply:

a.    The Reseller must contact Swiftnet in writing within 3 days of the invoice
      date and  the reseller must pay any undisputed  amount by the relevant due
      date

b.    Swiftnet  will use its  best  endeavours to  resolve any  invoice  dispute
      within 7 days of the reseller contacting Swiftnet

c.    On resolution  of any invoice dispute  either a credit note will be issued
      by  Swiftnet if the  reseller's dispute is  proved or full  payment of the
      outstanding sum to be made to Swiftnet within 3 days of resolution

8 Service Charges

8.1 Swiftnet may at any time decrease charges without notice but will notify the
reseller of any decrease as soon as reasonably practicable

8.2  Swiftnet  may  increase  the charges by giving the reseller 30 days written
notice If any  prospective  change in service charges would have resulted in the
majority of the  reseller's  customers  paying more for the services  during the
preceding 90 days the reseller may terminate this  agreement by giving  Swiftnet
90 days  written  notice  however if the  increased  charges are  occasioned  by
changes  in   regulatory   rules  that  would   affect  all   carriers   and  or
telecommunications operators the reseller may not terminate this agreement

9 Termination

9.1 Swiftnet may either under this agreement or at law and without  prejudice to
any other rights or remedies  terminate  this  agreement  immediately by serving
written notice on the reseller if:

a.    The reseller becomes Insolvent; or

b.    The reseller fails to make any payment when due under this agreement after
      having received 7 days written notice so to do from Swiftnet.

9.2 The reseller may terminate  this agreement  immediately  by serving  written
notice on Switnet if:

a.    Swiftnet becomes Insolvent; or

b.    Swiftnet's  license is  revoked or  altered so that it is not permitted by
      law to provide the services

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

10 Force Majeure

10.1  Notwithstanding  anything  herein to the contrary  neither  Party shall be
liable  for any delay or failure in  performance  of any part of this  agreement
(other  than the  payment  obligations  as set out in  clause 7 and  subsections
thereof)  to the extent  that such delay or failure is  attributable  to a Force
Majeure Event.  Any such delay or failure shall suspend the agreement  until the
Force Majeure Event ceases and the contract term of any service affected by such
Force Majeure Event shall be extended by the length of the said suspension

11 Notices

11.1 All notices  required or  authorized  to be  delivered  by one Party to the
other under this agreement  shall be delivered by prepaid first class post or by
facsimile to the registered office of the relevant Party

11.2 Notice given in accordance with clause 11.1 will have deemed to be received
in the absence of evidence of earlier receipt:

a.    if sent by prepaid first class post three days after the date of posting

b.    if sent by facsimile on the next working day following transmission

12 Relationship

12.1 Nothing in this agreement  creates a relationship  of employer and employee
principal  and agent  partnership  or joint  venture  between  Swiftnet  and the
reseller

13 Exclusivity

13.1 The reseller will have exclusive rights to sell the fax broadcast  services
in the United Kingdom (Including  northern Ireland).  Swiftnet will keep its own
customers  that  registered  prior to this  agreement and refer all  prospective
customers of Fax  Broadcast to the  reseller.  All clients  referred by Swiftnet
must  be  connected  to  Swiftnet  services  and  not to any  other  competitive
services.

13.2 The exclusivity rights will be revoked in case the reseller does not attain
certain revenues to Swiftnet (actual monthly payments) as listed below:
<TABLE>
<CAPTION>
<S>                                                     <C>
------------------------------------------------------- -----------------------------------------------------
Month                                                   Minimum payment to Swiftnet (UK Pounds)
------------------------------------------------------- -----------------------------------------------------
------------------------------------------------------- -----------------------------------------------------
May 2000                                                At least 0
------------------------------------------------------- -----------------------------------------------------
------------------------------------------------------- -----------------------------------------------------
June 2000                                               At least 5000
------------------------------------------------------- -----------------------------------------------------
------------------------------------------------------- -----------------------------------------------------
July 2000                                               At least 10000
------------------------------------------------------- -----------------------------------------------------
------------------------------------------------------- -----------------------------------------------------
August 2000                                             At least 15000
------------------------------------------------------- -----------------------------------------------------
------------------------------------------------------- -----------------------------------------------------
September 2000                                          At least 20000
------------------------------------------------------- -----------------------------------------------------
------------------------------------------------------- -----------------------------------------------------
October 2000                                            At least 20000
------------------------------------------------------- -----------------------------------------------------
------------------------------------------------------- -----------------------------------------------------
November 2000                                           At least 20000
------------------------------------------------------- -----------------------------------------------------
------------------------------------------------------- -----------------------------------------------------
December 2000                                           At least 25000
------------------------------------------------------- -----------------------------------------------------
------------------------------------------------------- -----------------------------------------------------
January 2001                                            At least 25000
------------------------------------------------------- -----------------------------------------------------
------------------------------------------------------- -----------------------------------------------------
February 2001                                           At least 25000
------------------------------------------------------- -----------------------------------------------------
------------------------------------------------------- -----------------------------------------------------
March 2001                                              At least 30000
------------------------------------------------------- -----------------------------------------------------
------------------------------------------------------- -----------------------------------------------------
April 2001                                              At least 30000
------------------------------------------------------- -----------------------------------------------------
------------------------------------------------------- -----------------------------------------------------
May 2001                                                At least 30000
------------------------------------------------------- -----------------------------------------------------
------------------------------------------------------- -----------------------------------------------------
June 2001                                               At least 35000
------------------------------------------------------- -----------------------------------------------------
------------------------------------------------------- -----------------------------------------------------
July 2001 - December 2001 (inclusive)                   At least 35000 per month
------------------------------------------------------- -----------------------------------------------------
------------------------------------------------------- -----------------------------------------------------
January 2002 - June 2002 (inclusive)                    At least 40000 per month
------------------------------------------------------- -----------------------------------------------------
------------------------------------------------------- -----------------------------------------------------
July 2002 - December 2002 (inclusive)                   At least 45000 per month
------------------------------------------------------- -----------------------------------------------------
------------------------------------------------------- -----------------------------------------------------
January 2003 onwards                                    At least 50000 per month and a minimum growth of
                                                        ten percent per annum.
------------------------------------------------------- -----------------------------------------------------
</TABLE>
--------------------------------------------------------------------------------

13.3 The reseller could pay Swiftnet the  difference  between its actual payment
and the minimum payment in order to keep the exclusivity.

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

This agreement sets out the whole  agreement  between the parties in relation to
the sale of services by Swiftnet to InTouchUK.com Ltd. and may only be varied in
writing signed by each party. A separate guarantee agreement will be signed with
the reseller's principals.

Signed for and on behalf of Swiftnet.....................date...................

Signed for and on behalf of the Reseller.................date...................

                                   SIGNATURES

     Pursuant to the requirements of the Securities Act, the Registrant has duly
caused  this  Registration   Statement  to  be  signed  on  its  behalf  by  the
undersigned,  thereunto  duly  authorized,  in the  City of  Mashpee,  State  of
Connecticut, on October 24, 2000.

                           Adar Alternative Two, INC.

                             By: /s/ Sidney J. Golub

                      ------------------------------------
                             President and Treasurer

     Pursuant  to  the   requirements  of  the  Securities  Act  of  1933,  this
Registration  Statement  has  been  signed  by  the  following  persons  in  the
capacities and on the dates indicated.
<TABLE>
<CAPTION>
<S>                                           <C>                                     <C>

-------------------------------------------- ----------------------------------------- ------------------------------------------
SIGNATURE                                    TITLE                                     DATE
-------------------------------------------- ----------------------------------------- ------------------------------------------

-------------------------------------------- ----------------------------------------- ------------------------------------------
                                             President and Treasurer
-------------------------------------------- ----------------------------------------- ------------------------------------------
</TABLE>

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