Nts, Inc. Watch

from 10-Q 5 pages Amendment No. 6 to the Term Loan, Guarantee and Security Agreement

from 8-K 3 pages Amendment No. 5 to the Term Loan, Guarantee and Security Agreement

from 8-K 3 pages Amendment No. 4 to the Term Loan, Guarantee and Security Agreement

from 8-K 3 pages Amendment No. 4 to the Term Loan, Guarantee and Security Agreement

from 8-K 45 pages Amendment No. 3 to the Term Loan, Guarantee and Security Agreement

from 10-Q 14 pages Amendment No. 2 to the Term Loan, Guarantee and Security Agreement

from 8-K 25 pages Amendment No. 1 to the Term Loan, Guarantee and Security Agreement

from 8-K 155 pages Term Loan, Guarantee and Security Agreement Dated as of October 6, 2011 Among Icon Agent, LLC, as Agent for the Lenders Signatory Hereto, Xfone, Inc (As a Guarantor), Xfone USA, Inc., Nts Communications, Inc., Gulf Coast Utilities, Inc., Expetel Communications, Inc., Nts Construction Company, Garey M. Wallace Company, Inc., Midcom of Arizona, Inc., Communications Brokers, Inc., and Nts Management Company, LLC as Borrower and the Other Credit Parties Signatory Hereto Chapman and Cutler Llp 330 Madison Avenue New York, New York 10017 -I

from 8-K 7 pages Loan Agreement

from 8-K 4 pages Dated 15 August 2007 Auracall Limited (1) - And - Swiftnet Limited (2) Inter Company Loan Agreement Howard Kennedy 19 Cavendish Square London W1a 2aw DX 42748 Oxford Circus North Telephone +44(0)20 7636 1616 Fax +44 (0)20 7491 2899 Ref : 007449/00010/H3146099.3 -1

from 10QSB ~5 pages Shareholders Loan Agreement

from SB-2/A 1 page Mr a Keinan 4 Wycombe Gardons London 31 December 03 Messrs Xfone Inc Neil Road Suite 500 Reno Nevada 89511 Dear Sirs, Re: Outstanding Loan. This Is to Confirm the Amount Due as 31 December 03 Is as Follows: A) Amount of (Pound)54,070 - To Be Payable During the Year of 2004 B) Amount of (Pound)232,666 - To Be Payable 50% Which Is (Pound)116,333 During the Year 2005, and 50% Which Is (Pound)116,333 Will Be Payable During the Year 2006. Yours Faithfully, A. Keinan

from SB-2 1 page Ex. 10.3 Loan Agreement With Swiftnet Ltd. Guy Nissenson and Nissim Levy Agreement 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 Limited