COGNISTATE LONG DISTANCE

BUSINESS OR RESIDENTIAL

COGNISTATE INSTANT SAVINGS

SERVICE FEATURES COGNISTATE brings you not only low rates and excellent service quality but also includes a list of features to help you get going fast: Crystal-clear quality 6-second billing 6-second minimum* Toll-free service at the same rate No contract and no commitment Online account management system No additional numbers to dial Superior customer support

NOTES:

*30 second minimum for International calls.

CogniState long distance US domestic rate is 3.45 cents per minute for state-to-state calls (the rate may be higher in tier-B and tier-C areas). The calls are billed in 6-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. Calls terminating to an International cellular phone may be billed in higher rates.

$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 10.7%, 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.

Please note, that even if your number was ported from a wireless provider or a CLEC to an RBOC, it might still fall under Tier C category and would not qualify you for lower rates.

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

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* Independent Representatives are not employees of Cognigen Networks Inc.