COGNIPHONE INSTANT SAVINGS

ABOUT COGNIPHONE COGNIPHONE is a high-quality long distance telephone service at discount rates, provided by Cognigen Networks, Inc. Qualified customers will receive the following features at no additional cost: No Fees! No Minimums No Paper Bills 6-Second Billing Credit Card Billed Online Account Management Residential and Commercial Low International Rates PROGRAM FEATURES One-plus dialing - simply dial one, then the area code + the number! Calling card at 6.9 cents per minute! Low In-State and International rates 6-second billing increments with 6 seconds minimum* NO extra fees! Low PICC and USF charges All digital fiber optic network *30 second minimum for International calls.

NOTES

CogniPhone long distance US domestic rate is 3.89 cents per minute for state-to-state calls. The calls are billed in6-second increments with 6-second minimum per call for domestic and 30-second minimum for International calls. Call charges that compute to less than one cent will be rounded up to the nearest cent.

$1.99 monthly billing fee will apply with the "Bill Me" option or "Auto Pay" with monthly paper invoice in any month where usage is lower than $20. Minimum taxes charged are Universal Service Fund at 9.2%, a 3% federal excise tax. Businesses are assessed a PICC charge that varies by state. There are no PICC charges for residential customers. Rates are subject to change anytime without prior notification.

Service not available in Alaska and Hawaii. The rates to these states are listed under International rates.