A communication system is provided that is preferably a peer-to-peer (p2p) system. One or both of audio and video can be transferred among user terminals in the p2p system. The user terminals can include at least one master terminal, which could be an unhosted master terminal that does not communicate its own audio and/or video. In one embodiment, a first master terminal is included that controls video and/or audio transfers and an unhosted second master terminal is provided that communicates with at least two user terminals to provide desired connectivity involving such user terminals. In another embodiment, an unhosted master terminal is provided when the user terminals include mobile terminals in order to avoid power usage by mobile terminals. This communication system can be utilized with online game playing in which a game server is included, as well as having other communication applications.