AMENDMENT TO TERM LOAN AGREEMENT This AMENDMENT TO TERM LOAN AGREEMENT (this "Amendment") is entered into as of the 22nd day of November, 1996 by EXECUTIVE TELECARD, S.A., a corporation incorporated under the laws of the Turks and Caicos Islands...Term Loan Agreement • February 14th, 1997 • Executive Telecard LTD • Services-business services, nec • New York
