Document:

<PAGE>

                                                                  Exhibit 10.13
                                  [QCOMM LOGO]

                         Q Comm, Inc. Services Agreement
                         -------------------------------

This Agreement (the "Agreement") is entered into this 29th day of June, 2000
(the "Execution Date") between Q Comm, Inc. ("Q Comm") with offices at 1145
South 1680 West Orem, UT 84058-4930 and CellCards of Illinois, LLC ("Broker")
with offices at 2720 River Road Suite 18 Des Plaines, IL 20016.

                                   WITNESSETH:
                                   -----------

         WHEREAS, Q Comm offers a comprehensive prepaid management system
through the Qxpress(TM) Point-of-Sale activation terminal ("Qxpress(TM)") and
the Q Comm telecommunications network ("Qxpress Services"); and

         WHEREAS, Broker desires to purchase Q Comm services, including
activated calling cards in the form of personal identification numbers
(collectively the "PINs") as will be generated on-demand by Qxpress(TM); and

         WHEREAS, Q Comm desires to obtain Broker as an independent agent to
market and promote Qxpress(TM) and Qxpress(TM) Services and Broker desires to
provide such services to Q Comm, subject to the terms, conditions and
specifications set forth in this Agreement; and

         WHEREAS, the parties acknowledge that this Agreement is binding and
enforceable and agree to abide by the promises and covenants contained herein;
and

         NOW, THEREFORE, in consideration of the premises, covenants and mutual
promises hereinafter set forth and intending to be legally bound thereby, the
parties agree to the following terms, conditions and specifications:

I. SERVICES PROVIDED:

         Q Comm will provide the Qxpress(TM) terminal to organizations
("Merchants") contracted by Broker in accordance with the terms specified in
Schedule "A"
         Q Comm agrees to sell to Broker and Broker agrees to purchase
Qxpress(TM) PINs in accordance with the terms and conditions set forth herein.
Qxpress(TM) provides access to prepaid calling and enhanced card services,
including network provisioning for interstate, international and, where
permitted by applicable regulations, intrastate transmission, as well as
switching facilities needed to originate, transmit, and terminate Card traffic.

                                                                               1

<PAGE>

II. TERM:

         The term of this agreement is One (1) year. If, at the end of this
term, both Q Comm and Broker wish to renew the agreement, they may do so. This
agreement may only be terminated if the terms of this agreement are not being
met. If terminated by the Broker, a thirty (30) day prior written notice to the
other party is required. Broker shall, upon termination of this Agreement, and
at the request of Q Comm, Inc. arrange for the return of all Qxpress(TM)
terminals in Brokers possession at the expense to the Broker unless the client
using the Qxpress(TM) terminal has been contracted under the Q Comm Inc,
"SERVICES AND RENTAL AGREEMENT" and ACH Agreement. If return is requested by Q
Comm, Inc., all Qxpress(TM) terminals must be returned within twenty-five (25)
days of the date of termination. If the terminals are not received within that
time frame the Broker agrees to pay $318.00 per unit payable upon demand. Broker
shall indemnify and hold Q Comm harmless from any and all claims, actions,
losses and damages arising from the attempted use by third parties or end-users.
The terms and conditions of this Agreement shall remain in full force and effect
after the termination date for all Qxpress(TM) terminals contracted by Broker
and activated by Q Comm before the termination date.

III. COMPENSATION:

         Q Comm shall pay Broker, and Broker shall be entitled to receive,
commissions and compensations as outlined in "SCHEDULE D" attached to this
agreement. Broker will receive it's agreed upon percentage, based upon the
customer retail volume, each week following the ACH. Broker agrees to all fees,
commissions, and minimum performance requirements in accordance with schedules
"A" and "B" which are subject to change with five (5) day notice to the Broker.

IV. DEPOSIT/CANCELLATION:

         No Deposit is required with the "SERVICES AND RENTAL AGREEMENT" and ACH
Agreement. However, a minimum performance of $150.00 gross card revenue per
terminal per week is required, and if not a service fee will be assessed through
the ACH agreement. In addition, a Qxpress(TM) restocking fee of $25.00 applies
to all returned terminals except for performance recalls by Q Comm, Inc.. If the
merchant fails to maintain such average sales volume Q Comm Inc. may, at its
sole discretion and without liability, immediately terminate the "SERVICES AND
RENTAL AGREEMENT".

V. RATE CHANGES:

         The Service rates shall be subject to all applicable carrier tariffs. Q
Comm shall have the right to change the Service rates at any time for any reason
in Q Comm's sole discretion with five (5) day prior written notification of the
change to Broker. Broker acknowledges that a rate change will modify the minute
availability on the prepaid calling card.

                                                                               2
<PAGE>

VI. ORDERS:

         The original, signed copies of the "SERVICES AND RENTAL AGREEMENT" and
ACH Agreement are required from the Broker for all Merchant orders prior to
shipping and/or activating a Q Comm Qxpress(TM) terminal. All orders shall be
subject to Q Comm's approval, as well as Q Comm's "SERVICES AND RENTAL
AGREEMENT" and ACH Agreement, unless otherwise established; a copy of which is
attached hereto as Schedule "B".

VII. RETURN GOODS POLICY:

         All returned goods must be authorized by Q Comm Inc. using the Request
for Return Goods Authorization "RGA" Request form found in SCHEDULE "E". All
returned goods commissions, Broker and Merchant, will be charged back to the
appropriate commissioned party on the next ACH cycle. The Broker will be
responsible for the Merchant interface on all claims. This policy does not apply
to phone cards or airtime cards as there is a no refund-no return policy on all
cards generated by Qxpress(TM). A restocking fee of 15% will be applied to all
returned goods. This fee will be deducted from the ACH credit on the cycle
following the receipt of goods. The RGA # must be visible on all returned goods
in order to be accepted.

VIII. ACTIVATION:

         Broker and/or Merchant shall pay for all activated calling cards via
ACH program, which will debit the designated merchant account every week for the
previous week's sales.

VIX. OBLIGATIONS OF Q Comm:

         A. Q Comm shall provide the Qxpress(TM) terminal to Broker's Merchants
subject to the Q Comm, Inc. acceptance of the "SERVICES AND RENTAL AGREEMENT"
and the ACH Agreement.

         B. Q Comm may use multiple carriers to provide the telecom prepaid
services.

         C. Q Comm shall approve in writing all point of purchase materials and
prepaid calling card language and artwork used by Broker.

         D. Q Comm shall be solely responsible for developing and implementing
the terms and conditions for use of Qxpress(TM).

X. OBLIGATIONS OF BROKER:

         A. Broker is required to adhere to the following performance minimums:

         1)       Minimum performances, outlined in the "SERVICES AND RENTAL
                  AGREEMENT," must be maintained quarterly by 75 percent of the
                  Qxpress(TM) terminals placed by Q Comm, Inc. in Broker's
                  behalf.

                                                                               3
<PAGE>

         2)       Broker must place a minimum of sixty (60) Qxpress(TM)terminals
                  in each twelve (12) month period.

         3)       If these performance minimums are not met, Q Comm, Inc. may
                  terminate the Broker Agreement at any time.

         B. If this Agreement is terminated by either party, Q Comm, Inc. will
continue to support the existing Qxpress(TM) terminals under all existing
contract terms for a period of 180 days from the date of notice as defined in
paragraph XVIII ("Notices").

         C. Broker accepts the "SERVICES AND RENTAL AGREEMENT" and ACH Agreement
in effect at the time of this Agreement. (Schedule "B"). Q Comm's "SERVICES AND
RENTAL AGREEMENT" and ACH Agreement are subject to change with five (5) day
notice to Broker.

         D. Broker must obtain Q Comm's written approval of all content and
artwork for any prepaid calling cards, packaging and point-of-purchase materials
as a condition to activation of PINs. Q Comm shall have the right to change,
add, or modify the copy in any way. All modifications by Broker to pre-approved
content or artwork must also be approved in writing by Q Comm.

         E. Q Comm Prepaid Phone Card "Custom/Private Label Card Terms &
Conditions" (Schedule "C") must be clearly disclosed on the back of each custom
prepaid calling card, insert or point-of-purchase material.

XI. DELIVERY, TITLE, RISK OF LOSS, SECURITY AND FRAUD CONTROL:

         A. Broker, upon taking delivery of the Qxpress(TM) terminal from Q
Comm, shall bear the risk of loss (unless contracted under the Q Comm, Inc.
"SERVICES AND RENTAL AGREEMENT") and be solely responsible for all losses,
damages, claims and liabilities caused by:

                  1. PINs, active cards, and inactive cards which are
         mishandled, damaged or stolen;

         B. Q Comm shall collect all revenues from retailers as per the ACH
agreement enclosed in Schedule "B".

         C. Broker shall bear the risk of loss for fraud, theft or misuse of the
Qxpress(TM) terminal by Broker's employees.

                                                                               4
<PAGE>

         D. The parties agree that, upon activation and authorization of sale by
the Qxpress(TM) terminal, the Merchant shall be responsible for the following as
per the "SERVICES AND RENTAL AGREEMENT":

         1.       all lost and/or stolen cards, for which no refunds or credits
                  will be issued by Q Comm;

         2.       use of activated Calling Cards generated by Qxpress(TM)
                  (including calls to wrong numbers), regardless of whether such
                  use occurred by the Merchant, a person authorized by the end
                  user to use the Qxpress(TM) terminal, or by a person not
                  authorized by end user; and

         3.       improper activation by Merchant of incorrect unit amounts,
                  improper decrementation by Q Comm or transmission difficulty.

         E. Q Comm shall, in its sole discretion, have the right to immediately
deactivate any particular Qxpress(TM) terminal, PIN or batches of PINs in the
event Q Comm reasonably believes that same have been improperly or fraudulently
activated.

         F. All shipments are F.O.B. Utah.

XII. FORCE MAJEURE:

         Q Comm shall not be liable for any delay or nonperformance under the
terms of this Agreement due to causes beyond its control, including but not
limited to, acts of God, acts of civil or military authority, government
regulations, embargoes, epidemics, war, terrorist acts, riots, insurrections,
fires, explosions, earthquakes, nuclear accidents, floods, strikes, power
blackouts, severe weather conditions, failure by Broker to fulfill any of its
obligations under this Agreement, acts of third parties, or acts or omissions of
common carriers (collectively referred to as "Force Majeure Conditions")

XIII. INDEMNIFICATION AND LIMITATIONS OF LIABILITY

         A. Q Comm shall exercise its best efforts to avoid network service
interruption. However, in the event of a network service interruption or
equipment failure, Q Comm's liability hereunder shall be limited to the retail
cost of the PIN subject to the interruption, provided that such interruption was
caused solely by Q Comm's willful act or omission or its negligence. Q Comm
shall not be liable for any interruption caused by the negligence or any act or
omission of Broker, the Card user, carrier, switch provider or any third party.

         B. Except as otherwise stated herein each party will defend, indemnify
and hold harmless the other party, its owners, parents, affiliates,
subsidiaries, brokers, directors, officers, shareholders, and employees from and
against any and all losses, costs, claims, awards, liabilities, damages, and
expenses (including reasonable attorneys fees) brought or claimed by third
parties, relating to or arising out of the negligence or willful misconduct of
either party in the performance of this Agreement.

                                                                               5
<PAGE>

         C. Q COMM MAKES NO WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT
LIMITED TO, ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE
OR USE OR OTHER WARRANTY OF QUALITY, EXCEPT AS EXPRESSLY PROVIDED IN THE TERMS
AND CONDITIONS OF THIS AGREEMENT. IN NO EVENT SHALL Q Comm BE LIABLE TO BROKER
OR ANY OTHER PERSON OR ENTITY FOR INDIRECT, SPECIAL, CONSEQUENTIAL OR INCIDENTAL
DAMAGES OF ANY KIND, INCLUDING BUT NOT LIMITED TO LOST REVENUES OR PROFITS.

XIV. INTELLECTUAL PROPERTY; USE OF MARKS:

         A. Broker acknowledges Q Comm's exclusive ownership of all Q Comm
designated trademarks, service marks and other symbols (the "Marks") relating to
the PIN and agrees not to assume any rights in the Marks.

         B. It is understood and agreed by both parties that nothing in this
agreement is intended to grant to Broker the right to engage in the business of
offering goods or services using Q Comm's trade name, trademark, service mark,
logotype, advertising, or other commercial symbol or related characteristics.

XV. CONFIDENTIALITY:

         Both parties agree that all of the terms and conditions of this
Agreement are confidential. Press releases or other public announcements
("Public Releases") by either party concerning the existence of this Agreement,
terms of this Agreement, or the services to be provided under this Agreement may
not be disclosed publicly, other than to service vendors for the purpose of
effectuating this Agreement, without the prior written consent of both Q Comm
and Broker.

XVI. ASSIGNMENT:

         Q Comm may at any time assign its rights, obligations or duties, in
whole or in part, or any other interest hereunder without Broker's approval.
Broker may not assign its rights, obligations or duties, in whole or in part, or
any other interest hereunder without the prior written consent of Q Comm.

XVII. INJUNCTIVE RELIEF:

         Broker hereby agrees that the remedy at law for any breach or
threatened breach by it of the covenants in this Agreement may be inadequate and
that Q Comm would suffer irreparable harm; therefore, it is mutually agreed and
stipulated by the parties hereto, that in addition to any other remedies at law
or in equity which Q Comm may have, Q Comm shall be entitled to obtain in a
court of law and/or equity a temporary and/or permanent injunction restraining
Broker from a further violation or breach of such covenants.

                                                                               6
<PAGE>

XVIII. ATTORNEY'S FEES:

         In the event that an action at law or in equity is brought by Q Comm to
enforce the terms and conditions of this Agreement, or to prevent a breach
thereof, and Q Comm is the prevailing party, Broker shall be liable for Q Comm's
reasonable attorneys fees and costs in addition to any other relief awarded to Q
Comm pursuant to such action.

XVIX. NOTICES:

         Notices required to be given under this Agreement shall be effective
when mailed by prepaid certified mail return receipt requested to:

                  Q Comm International, Inc.
                  1145 South 1680 West
                  Orem, UT  84058-4930
                  Stephen C. Flaherty, President

                  CellCards of Illinois, LLC
                  2720 River Road, Suite 18
                  Des Plaines, IL  20016
                  Michael Herold

XX. GENERAL:

         A. This Agreement constitutes the entire understanding between Q Comm
and Broker and supersedes any and all prior or contemporaneous oral or written
statements and representations made by either party to the other.

         B. Failure on the part of either party to enforce any provision of this
Agreement in any one instance shall not be construed as a general waiver or
relinquishment of the right to enforce such provision.

         C. If any provision of this Agreement shall be held to be invalid,
illegal or unenforceable, the validity, legality and enforceability of the
remaining provisions shall in no way be affected thereby.

         D. This Agreement may be executed in one or more counterparts, all of
which shall be considered one and the same agreement, and shall become effective
when one or more counterparts shall have been signed by each party and delivered
to the other party. The undersigned represent and warrant that they are duly
authorized by the parties to enter into and sign this Agreement and by such
signatures do bind the parties to the terms of this Agreement.

                                                                               7
<PAGE>

         E. This Agreement shall be governed by Utah law, without giving effect
to its choice of law provisions.

XXI. NON-DISCLOSURE

         A. During the course of this Agreement, Broker shall become aware of
certain methods, practices, and procedures with which Q Comm conducts its
business, all of which Broker and Q Comm agree are proprietary information and
as such are trade secrets.

         B. Broker will not at any time, either during this Agreement or
thereafter divulge, furnish, or make available, either directly or indirectly,
to any person, firm, corporation or other entity any proprietary information
used by Q Comm. Broker agrees that all such matters and information shall be
kept strictly and absolutely confidential.

         C. Broker acknowledges that a breach of any of the provisions of this
Agreement may result in continuing and irreparable damages to Q Comm for which
there may be no adequate remedy at law and that Q Comm in addition to other
relief available to Q Comm shall be entitled to the issuance of an injunction
restraining Broker from committing or continuing and breach of this Agreement.

IN WITNESS WHEREOF, the parties agree that this Agreement sets forth the
complete understanding of the parties and may not be modified except in writing
signed by both parties.

<TABLE>
<CAPTION>

<S>                                                  <C>
CellCards of Illinois, L.L.C.                        Q Comm International, Inc.

By:/s/ Michael Herold                                By: /s/ Stephen Flaherty
  ----------------------------------                     ----------------------------------------------------------

Its: President                                       Its:  President
    --------------------------------                     ----------------------------------------------------------

Date: June 29, 2000                                  Date: June 29, 2000
      ------------------------------                      ---------------------------------------------------------

Phone #:                                             Phone #: (801) 226-4222
                                                              --------------
</TABLE>

                                                                               8
<PAGE>

                                  SCHEDULE "A"

1.   Broker will contract each Merchant location to be installed with
     Qxpress(TM).

2.   Broker will receive its agreed upon percentage each Friday following the
     Monday ACH. Percentage based on schedule "D".

3.   Q Comm will provide the Qxpress(TM) terminal at its expense.

4.   Q Comm will provide installation and training support for each approved
     location.

5.   Q Comm will arrange for Internet access for activity reporting on all
     locations installed under this agreement.

6.   Each location (where a Qxpress(TM) terminal has been installed) must
     maintain a $150/week minimum. If these minimums are not met each week, a
     weekly service fee of $6.95 will be deducted from the Merchants ACH
     account. This service fee will commence the second Monday following
     shipment of the Qxpress(TM) terminal.

7.   For product rates and commissions see Schedule "D".

8.   Q COMM, Inc. will provide generic blank phone cards at the rate of $.10
     each. A credit of $.10 per sale will be given to the Merchant on each
     billing to offset the cost of the cards. Private labeled cards can be
     provided to the Merchant at actual cost. All cards are non-refundable.

9.   All Qxpress(TM) terminals remain the sole property of Q Comm Inc.

10.  All products and shipments are FOB Utah.

11.  Qxpress(TM) demonstration terminals are available for a fee of $35 per
     month (paid in advance).

                                                                               9
<PAGE>

                                  SCHEDULE "B"

                          SERVICES AND RENTAL AGREEMENT

This Agreement is made this _____day of ________________ ,2000 by and between
__________________________________ (the "Merchant") and Q COMM, Inc. Q COMM Inc.
is a wholly owned subsidiary of Q COMM International, Inc. Qxpress Management
System ("Qxpress(TM)") is a point-of-sale printing device for prepaid service.
The Merchant wishes to utilize the Qxpress(TM) Device for their phone card,
wireless, and any additional prepaid services as available for sales at their
designated location(s). A list of the locations is attached to this Agreement
and incorporated herein by reference.

    IN THE EVENT OF A DISPUTE, THIS AGREEMENT IS SUBJECT TO ARBITRATION AND
                                   MEDIATION.

1. Q COMM, Inc. will provide Qxpress(TM) to the Merchant at no charge. The
Merchant is required to produce a weekly minimum of $150.00 in gross prepaid
card revenue. If this minimum is not met, a service fee of $6.95 will apply.
This service fee will be included in the ACH accounting each week that
performance falls below the minimum. The service fee will commence the second
Monday following the shipment of the Qxpress(TM) terminal.

2. Q COMM, Inc. will provide blank Qxpress(TM) phone cards at the rate of $.10
each. A credit of $.10 per sale will be given to The Merchant on each billing to
offset the cost of the cards. All blank cards are non-refundable. Private
labeled cards may be provided at an additional fee with no offset credit by Q
Comm, Inc..

3. Compensation: Q COMM, Inc. will compensate the Business for prepaid telecom
revenues per month as per the following:

<TABLE>
<CAPTION>

       Product Description         Percentage      Product Description        Percentage
       -------------------         ----------      -------------------        ----------
<S>                                <C>             <C>                        <C>
         ---------------            -------%         ---------------            -------%

         ---------------            -------%         ---------------            -------%

         ---------------            -------%         ---------------            -------%
</TABLE>

4. Qxpress(TM) is and shall remain the sole property of Q COMM, Inc., and shall
be surrendered on demand.

5. Q COMM, Inc. reserves the right to remove a Qxpress(TM) from a location if
sales in that location do not warrant the Qxpress(TM) placement.

6. The Merchant shall provide the following: 1) a safe and secure place for the
Qxpress(TM) to be located, 2) a grounded power outlet, 3) phone line access, and
4) a point-of-sale material location.

Merchant:

The Merchant's store name:  ___________________________________________________

The Merchant's store address:  ________________________________________________

                       City/State/Zip: ________________________________________

Owner/Officer: (print):  ______________________________________________________

Owner/Officer: (signature):  __________________________________________________

The Merchant's store telephone number: ________________________________________

Q COMM, Inc.

Sales Representative:  ________________________________________________________

I.D. Number:  _________________________________________________________________

Q Comm Officer:  ______________________________________________________________

                           ORIGINALS MUST BE SENT TO Q COMM, INC.

                                                                              10
<PAGE>

7. Q COMM, Inc. will provide standard point-of-sale materials at it's own
expense. Private labeled point of sale material can be provided by Q COMM, Inc.
at the Merchant's expense. The Merchant can provide their own point of sale
materials subject to approval by Q COMM, Inc. (Q COMM, Inc. must assure that any
advertising meets FCC or Public Service or Utility Commission Guide lines).

8. Qxpress(TM) shall remain at the location it is initially located in and shall
not be moved without prior approval from Q COMM, Inc. (a fax or E-mail with
receipt confirmed shall also serve as notice).

9. PAYMENT: Every Monday, an agreed upon account will be debited by Automated
Clearing House (ACH) or Electronic Funds Transfer (EFT) (herein after referred
to as the "debit"). The debit will be initiated by Q COMM, Inc. If debit is
refused by The Merchant's bank, Qxpress(TM) will be turned off until the debit
is honored and a service fee of $25.00 for insufficient funds will be assessed
before Qxpress(TM) is reactivated. Two refused debits will cause this Agreement
to be terminated immediately without notice.

10. In the event Qxpress(TM) malfunctions, the store clerk or manager will call
Qxpress Client Services at (800) 626-9941. If the Qxpress cannot be repaired
with instructions over the phone or by phone updates, Q COMM, Inc. will send a
replacement unit via overnight delivery.

11. Any disputes between The Merchant and Q COMM, Inc. that cannot be resolved
will be submitted to arbitration under the rules and regulations of the American
Arbitration Association. Either party may invoke this paragraph after providing
10 days written notice to the other party. All cost of arbitration shall be
divided equally between the parties. Any award may be enforced by a court of
law. Dispute mediation, or arbitration will be handled at the specific court
located in the county of Utah, State of Utah.

12. ENTIRE AGREEMENT: This is our entire agreement and cannot be changed unless
agreed to in writing by both parties.

13. FORCE MAJEURE: If any part of this agreement is invalidated by local,
county, state or federal rules or regulations, or a court of law, the balance of
this agreement will remain valid.

14. TAXES: Q COMM, Inc.'s carriers are responsible for collection and payment of
Federal excise and applicable State taxes unless the local, county or State
laws, rules, and regulations require that the taxes be collected at the time of
sale and reported to the taxing authorities by the Merchant. Taxes may be
collected from the card user on a per call or per minute basis. There may be
taxes that Q COMM, Inc. will collect and pass through to The Merchant. Any
additional taxes levied by Federal, State, or local entities will be passed on
to The Merchant. Any taxes collected by The Merchant will be their sole
responsibility to remit to proper taxing authorities. This statement is not
advice on the collection or reporting of taxes and we suggest that each Merchant
contact their CPA, Accountant or taxing authority in their states for the
correct taxes or reporting of same from the sale of any Prepaid
Telecommunication Product.

15. DIAL AROUND: The FCC in October 1997 mandated that all 800 or 888 calls from
a pay phone be compensated to the pay phone owner. A surcharge ($.49) may be
added to each call for toll free access from a pay phone. The Merchant is not
responsible for collecting and paying these dial around charges.

16. RETURN GOODS POLICY: All returned goods must be authorized by Q Comm, Inc.
using a Return Goods Authorization "RGA" form. All returned goods commissions,
Broker and Merchant, will be charged back to the appropriate commissioned party
on the next ACH cycle. The Broker will be responsible for the Merchant interface
on all claims. This policy does not apply to phone cards or airtime cards as
there is a no refund-no return policy on all cards generated by Qxpress(TM). A
restocking fee of 15% will be applied to all returned goods. This fee will be
deducted from the ACH credit on the cycle following the receipt of goods. The
RGA # must be visible on all returned good shipments in order to be accepted.

17. TRANSFER OF RIGHTS OR ASSIGNMENT: This agreement shall be binding on any
successors of the parties. Neither party shall have the right to assign its
interests in this Agreement to any other party, unless the prior written consent
of the other is obtained.

18. WARRANTIES: Neither party makes any warranties with respect to the use of
Qxpress(TM) by either party or by any third party. In no event will Q COMM, Inc.
be liable for direct, indirect, incidental, or consequential damaged, that are
in any way related to Qxpress(TM) or its carriers.

19. TERMINATION: This Agreement can only be terminated by Q COMM, Inc. by
providing a five (5) day advance written notice. The Merchant can terminate with
30 days advance written notice if the terms of this agreement are not being met.

20. GOVERNING LAWS: This Agreement is governed by the laws, rules and
regulations of the State of Utah.

21. EXCLUSIVITY: The Merchant agrees that during the term of this agreement Q
COMM, Inc. shall be the sole provider of phone cards and Prepaid Wireless to all
their retail locations.

                                                                              11
<PAGE>

[QCOMM LOGO]

                                  ACH AGREEMENT

      Authorization and Agreement for Automated Clearing House (ACH) Debits
                                  and Credits

Company:
        -----------------------------------------------------------------------

I (we) authorize: Q COMM International, Inc. herein after called "Company", to
initiate credit and or debit entries and adjustments for any credit entries in
error to my (our) checking account indicated below and the depository named
below, herein after called "Depositor", and to credit and/or debit the same such
account.

Depositor name (Bank
name):
       ------------------------------------------------------------------------

Address:
        -----------------------------------------------------------------------

City, State and Zip or Postal Code:
                                  ---------------------------------------------

Phone Number:                                     Fax Number:
             --------------------------           -----------------------------

Bank Service Representative:
                            ---------------------------------------------------

Transit Number/ABA Number:
                          -----------------------------------------------------

Account Number:
               ----------------------------------------------------------------

This authority is to remain in full force and effect until Company has received
written notification from me (us).

By:                                    By: Q COMM Inc.
   ---------------------------------                  -
         (Please Print)

Its:                                     Client Mgr:
    --------------------------------                ---------------------------
         (Title)

Signed:                                  H O:
       -----------------------------         ----------------------------------

           PLEASE ATTACH A VOIDED CHECK OR DEPOSIT SLIP TO THIS FORM.
          WE NEED THIS TO GET THE ACTUAL ROUTING AND ACCOUNT NUMBERS.

Any errors and/or disputes must be corrected within two banking days of the
initiating transaction. Thank you for your confidence and trust.

                                                                              12
<PAGE>

                                  SCHEDULE "C"

                 CUSTOM/PRIVATE LABEL CARD TERMS AND CONDITIONS

GENERAL ARTISTIC AND CONTENT GUIDELINES FOR WHOLESALE PIN'S AND CUSTOM PRIVATE
LABEL CARDS

CARDS
-----

All card backs must disclose the following with regulatory requirements:

1.  Made in the USA
2.  Non-refundable
3.  Rates subject to change without notice
4.  The expiration date must appear on the card back.
5.  Network Services provided by a specialized phone card network
6.  The specific account access PIN must be printed on the card
7.  Toll free access number must be printed on the card
8.  The customer service number or instructions on how to reach customer service
    must be printed on the card
9.  Any applicable surcharges i.e. Payphone surcharge, Domestic surcharge and
    International surcharge MUST BE FULLY DISCLOSED on the card back and
    packaging back.
10. Any applicable minute rounding increment must be disclosed on the card back

                                                                              13
<PAGE>

                                  SCHEDULE "D"

                PRODUCT PRICE LIST AND BROKER COMMISSION SCHEDULE

<TABLE>
<CAPTION>

-----------------------------------------   --------------------------   ----------------------------  ----------------------------
                Product                            Discounts*                       Price                          Notes
-----------------------------------------   --------------------------   ----------------------------  ----------------------------
<S>                                         <C>                          <C>                           <C>
Calling Card - 2.5(cent)/ Min U.S.                     35%                    2.5(cent)/ min U.S.          49(cent)connect fee /
                                                                                                          79(cent) Monthly Mtc.
-----------------------------------------   --------------------------   ----------------------------  ----------------------------
Calling Card - 5.9(cent)/ Min U.S.                     45%                    5.9(cent)/ min U.S.          59(cent)connect fee /
                                                                                                           59(cent) Monthly Mtc.
-----------------------------------------   --------------------------   ----------------------------  ----------------------------
Calling Card - 9.9(cent)/ Min U.S.                     35%                    9.9(cent)/ min U.S.        Flat rate, no connect
                                                                                                          fee / no Monthly Mtc.
-----------------------------------------   --------------------------   ----------------------------  ----------------------------
Intl. Rates, All Cards                                 35%                     Call for Rate           Variable connect fee - see
                                                                                 Schedule                 respective international
2.5(cent)cards / 9.9(cent)flat rate cards                                                                    rate schedule
-----------------------------------------   --------------------------   ----------------------------  ----------------------------
Wireless Airtime                                       20%                  .29(cent)- .65(cent)/       Additional fee for roaming
                                                                                    min.
Wireless Phone                                                           Denominations:$30-$50 - $100    Phone cost is $44; 10
                                                                                                         bonus minutes and a $100
                                                                                   $49.95                airtime rebate included
-----------------------------------------   --------------------------   ----------------------------  ----------------------------

</TABLE>

Verizon Cellular Program (call for terms and availability)
-------------------------------------------------------------------------------
Home Dial Tone (call for terms and availability)
-------------------------------------------------------------------------------
*Discount is the total percentage paid to Broker less any commission
percentage(s) set forth in the Merchant's "SERVICES AND RENTAL AGREEMENT".

*All products and shipments are FOB Utah.

*Additional rate programs available.
-------------------------------------------------------------------------------

                                                                              14
<PAGE>

                                  SCHEDULE "E"

                     Request for Return Goods Authorization
                                  (RGA Request)

         (Q COMM cannot accept any returned merchandise without a RGA #)

  Procedure: 1.  Call (or FAX) Q Comm with the information listed below
             2.  Q Comm will research the request and call back within 24 hours
             3.  If approved, Q Comm will fax a RGA containing
                          1) a RGA # and 2) a mailing label or Q Comm will call
                          with a RGA # and address.

Date______        Company  ____________________________________________________

                  Street            ___________________________________________

                  City, State, zip  ___________________________________________

                  Telephone         _________________________  FAX ____________

                  Contact Person    ___________________________________

Description of Merchandise

____________________________________________________

____________________________________________________

Number of items being returned  ___________________

Reason for RGA Request

____________________________________________________

____________________________________________________

____________________________________________________

                                                                              15
<PAGE>

                                  [QCOMM LOGO]

                         Q Comm, Inc. Services Agreement
                         -------------------------------

         This Agreement (the "Agreement") is made and entered into this 15th day
of January, 2002 (the "Execution Date") between Q Comm, Inc. ("Q Comm") with
offices at 1145 South 1680 West Orem, UT 84058-4930 and Iowa Wireless Services
LP ("Broker") with offices at 11358 Aurora Avenue Urbandale, IA 50322.

                                   WITNESSETH:

         WHEREAS, Q Comm offers a comprehensive prepaid management system
through the Qxpress(TM) Point-of-Sale activation terminal ("Qxpress(TM)") and
the Q Comm telecommunications network ("Qxpress Services"); and

         WHEREAS, Broker desires to purchase Q Comm services, including
activated calling cards in the form of personal identification numbers
(collectively the "PINs") as will be generated on-demand by Qxpress(TM); and

         WHEREAS, Q Comm desires to obtain Broker as an independent agent to
market and promote Qxpress(TM) and Qxpress(TM) Services and Broker desires to
provide such services to Q Comm, subject to the terms, conditions and
specifications set forth in this Agreement; and

         WHEREAS, the parties acknowledge that this Agreement is binding and
enforceable and agree to abide by the promises and covenants contained herein;
and

         NOW, THEREFORE, in consideration of the premises, covenants and mutual
promises hereinafter set forth and intending to be legally bound thereby, the
parties agree to the following terms, conditions and specifications:

I. SERVICES PROVIDED:

         Q Comm will provide the Qxpress(TM) terminal to organizations
("Merchants") contracted by Broker in accordance with the terms specified in
Schedule "A"
         Q Comm agrees to sell to Broker and Broker agrees to purchase
Qxpress(TM) PINs in accordance with the terms and conditions set forth herein.
Qxpress(TM) provides access to prepaid calling and enhanced card services,
including network provisioning for interstate, international and, where
permitted by applicable regulations, intrastate transmission, as well as
switching facilities needed to originate, transmit, and terminate Card traffic.

                                                                               1
<PAGE>

II. TERM:

         The term of this agreement is two (2) years. If, at the end of this
term, both Q Comm and Broker wish to renew the agreement, they may do so. IN THE
EVENT OF NON-PERFORMANCE, THIS AGREEMENT MAY BE CANCELLED WITH A THIRTY (30) DAY
NOTICE. This agreement may be terminated by either party if the terms of this
agreement are not being fulfilled. If terminated by the Broker, a thirty (30)
day prior written notice to the other party is required. Broker shall, upon
termination of this Agreement, and at the request of Q Comm, Inc. arrange for
the return of all Qxpress(TM) terminals in Brokers possession at the expense to
the Broker unless the client using the Qxpress(TM) terminal has been contracted
under the Q Comm Inc, "SERVICES AND RENTAL AGREEMENT" and ACH Agreement. If
return is requested by Q Comm, Inc., all Qxpress(TM) terminals must be returned
within twenty-five (25) days of the date of termination. If the terminals are
not received within that time frame the Broker agrees to pay $350.00 per unit
payable upon demand. Broker shall indemnify and hold Q Comm harmless from any
and all claims, actions, losses and damages arising from the attempted use by
third parties or end-users. The terms and conditions of this Agreement shall
remain in full force and effect after the termination date for all Qxpress(TM)
terminals contracted by Broker and activated by Q Comm before the termination
date.

III. COMPENSATION:

         Q Comm shall pay Broker, and Broker shall be entitled to receive,
commissions and compensations as outlined in "SCHEDULE D" attached to this
agreement. Broker will receive it's agreed upon percentage, based upon the
customer retail volume, each week following the ACH. Broker agrees to all fees,
commissions, and minimum performance requirements in accordance with schedules
"A" and "B" which are subject to change with five (5) day notice to the Broker.

IV. DEPOSIT/CANCELLATION:

         No Deposit is required with the "SERVICES AND RENTAL AGREEMENT" and ACH
Agreement. A minimum performance per terminal per week is required and outlined
in "SCHEDULE A". If this minimum is not met, a service fee will be assessed
through the ACH agreement. In addition, a Qxpress(TM) restocking fee of $25.00
applies to all returned terminals except for performance recalls by Q Comm,
Inc.. If the merchant fails to maintain such average sales volume Q Comm Inc.
may, at its sole discretion and without liability, immediately terminate the
"SERVICES AND RENTAL AGREEMENT".

V. RATE CHANGES:

         The Service rates shall be subject to all applicable carrier tariffs. Q
Comm shall have the right to change the Service rates at any time for any reason
in Q Comm's sole discretion with five (5) day prior written notification of the
change to Broker. Broker acknowledges that a rate change will modify the minute
availability on the prepaid calling card.

VI. ORDERS:

         The original, signed copies of the "SERVICES AND RENTAL AGREEMENT" and
ACH Agreement are required from the Broker for all Merchant orders prior to
shipping and/or activating a Q Comm Qxpress(TM) terminal. All orders shall be
subject to Q Comm's approval, as well as Q Comm's "SERVICES AND RENTAL
AGREEMENT" and ACH Agreement, unless otherwise established; a copy of which is
attached hereto as "SCHEDULE B& C". Merchants must call Q Comm Customer Service
to activate their terminal once the Merchant has received the terminal.

                                                                               2
<PAGE>

VII. RETURN GOODS POLICY:

         All returned goods must be authorized by Q Comm Inc. using a Request
for Return Goods Authorization "RGA" Request form. All returned goods
commissions, Broker and Merchant, will be charged back to the appropriate
commissioned party on the next ACH cycle. The Broker will be responsible for the
Merchant interface on all claims. This policy does not apply to phone cards or
airtime cards as there is a no refund-no return policy on all cards generated by
Qxpress(TM). A restocking fee of 15% will be applied to all returned goods. This
fee will be deducted from the ACH credit on the cycle following the receipt of
goods. The RGA # must be visible on all returned goods in order to be accepted.

VIII. IN-SERVICE TRAINING:

         A. Obligations of Q Comm:

         1)       Q Comm will provide one (1) Train-the-Trainer session for
                  Broker at agreed upon location.
         2)       Q Comm will provide English only in-service training for the
                  first five (5) locations, as part of the Train-the-Trainer
                  program.
         3)       See "SCHEDULE A" for pricing on Q Comm-provided training for
                  additional locations.

         B. Obligations of Broker:

         1)       Broker will schedule a time for Q Comm to do the
                  Train-the-Trainer program.
         2)       Any additional training provided by Q Comm for Broker accounts
                  will be charged to the Broker through the ACH, according the
                  pricing on "SCHEDULE A".

IX. ACTIVATION:

         Broker and/or Merchant shall pay for all activated calling cards via
ACH program, which will debit the designated merchant account every week for the
previous week's sales.

                                                                               3
<PAGE>

X. OBLIGATIONS OF Q COMM:

         A. Q Comm shall provide the Qxpress(TM) terminal to Broker's Merchants
subject to the Q Comm, Inc. acceptance of the "SERVICES AND RENTAL AGREEMENT"
and the ACH Agreement.

         B. Q Comm may use multiple carriers to provide the telecom prepaid
services.

         C. Q Comm shall approve in writing all point of purchase materials and
prepaid calling card language and artwork used by Broker.

         D. Q Comm shall be solely responsible for developing and implementing
the terms and conditions for use of Qxpress(TM).

         XI. OBLIGATIONS OF BROKER:

         A. Broker is required to adhere to the following performance minimums
for each Qxpress(TM) unit installed:

         1) Minimum performances, outlined in the "SERVICES AND RENTAL
            AGREEMENT," must be maintained monthly by 90 percent of the
            Qxpress(TM) terminals placed by Q Comm, Inc. in Broker's behalf.

         2) Broker must place a minimum of one hundred and fifty (150)
            Qxpress(TM) terminals in the first six (6) months of this agreement.
            it is understood by the parties that there is no maximum number of
            terminals that could be deployed.

         3) If these performance minimums are not met, Q Comm, Inc. may
            terminate the Broker Agreement at any time.

         B. If this Agreement is terminated by either party, Q Comm, Inc. will
continue to support the existing Qxpress(TM) terminals and pay Broker the agreed
upon percentages under all existing contract terms for a period of 180 days from
the date of notice as defined in paragraph XX ("Notices").

         C. Broker accepts the "SERVICES AND RENTAL AGREEMENT" and ACH Agreement
in effect at the time of this Agreement. ("SCHEDULE B & C"). Q Comm's "SERVICES
AND RENTAL AGREEMENT" and ACH Agreement are subject to change with five (5) day
notice to Broker.

         D. Broker must obtain Q Comm's written approval of all content and
artwork for any prepaid calling cards, packaging and point-of-purchase materials
as a condition to activation of PINs. Q Comm shall have the right to change,
add, or modify the copy in any way. All modifications by Broker to pre-approved
content or artwork must also be approved in writing by Q Comm.

                                                                               4
<PAGE>

XII. DELIVERY, TITLE, RISK OF LOSS, SECURITY AND FRAUD CONTROL:

         A. Broker, upon taking delivery of the Qxpress(TM) terminal from Q
Comm, shall bear the risk of loss (unless contracted under the Q Comm, Inc.
"SERVICES AND RENTAL AGREEMENT") and be solely responsible for all losses,
damages, claims and liabilities caused by:

         1. PINs, active cards, and inactive cards which are mishandled,
            damaged or stolen;

         B. Q Comm shall collect all revenues from retailers as per the ACH
agreement enclosed in Schedule "B".

         C. Broker shall bear the risk of loss for fraud, theft, non-sufficient
funds, or misuse of the Qxpress(TM) terminal by Broker's customers.

         D. The parties agree that, upon activation and authorization of sale by
the Qxpress(TM) terminal, the Merchant shall be responsible for the following as
per the "SERVICES AND RENTAL AGREEMENT":

         1. all lost and/or stolen cards, for which no refunds or credits will
            be issued by Q Comm;

         2. use of activated Calling Cards generated by Qxpress(TM) (including
            calls to wrong numbers), regardless of whether such use occurred by
            the Merchant, a person authorized by the end user to use the
            Qxpress(TM) terminal, or by a person not authorized by end user; and

         3. improper activation by Merchant of incorrect unit amounts, improper
            decrementation by Q Comm or transmission difficulty.

         E. Q Comm shall, in its sole discretion, have the right to immediately
deactivate any particular Qxpress(TM) terminal, PIN or batches of PINs in the
event Q Comm reasonably believes that same have been improperly or fraudulently
activated.

         F. All shipments are F.O.B. Utah.

                                                                               5
<PAGE>

XIII. FORCE MAJEURE:

         Q Comm shall not be liable for any delay or nonperformance under the
terms of this Agreement due to causes beyond its control, including but not
limited to, acts of God, acts of civil or military authority, government
regulations, embargoes, epidemics, war, terrorist acts, riots, insurrections,
fires, explosions, earthquakes, nuclear accidents, floods, strikes, power
blackouts, severe weather conditions, failure by Broker to fulfill any of its
obligations under this Agreement, acts of third parties, or acts or omissions of
common carriers (collectively referred to as "Force Majeure Conditions")

XIV. INDEMNIFICATION AND LIMITATIONS OF LIABILITY

         A. Q Comm shall exercise its best efforts to avoid network service
interruption. However, in the event of a network service interruption or
equipment failure, Q Comm's liability hereunder shall be limited to the retail
cost of the PIN subject to the interruption, provided that such interruption was
caused solely by Q Comm's willful act or omission or its negligence. Q Comm
shall not be liable for any interruption caused by the negligence or any act or
omission of Broker, the Card user, carrier, switch provider or any third party.

         B. Except as otherwise stated herein each party will defend, indemnify
and hold harmless the other party, its owners, parents, affiliates,
subsidiaries, brokers, directors, officers, shareholders, and employees from and
against any and all losses, costs, claims, awards, liabilities, damages, and
expenses (including reasonable attorneys fees) brought or claimed by third
parties, relating to or arising out of the negligence or willful misconduct of
either party in the performance of this Agreement.

         C. Q COMM MAKES NO WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT
LIMITED TO, ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE
OR USE OR OTHER WARRANTY OF QUALITY, EXCEPT AS EXPRESSLY PROVIDED IN THE TERMS
AND CONDITIONS OF THIS AGREEMENT. IN NO EVENT SHALL Q Comm BE LIABLE TO BROKER
OR ANY OTHER PERSON OR ENTITY FOR INDIRECT, SPECIAL, CONSEQUENTIAL OR INCIDENTAL
DAMAGES OF ANY KIND, INCLUDING BUT NOT LIMITED TO LOST REVENUES OR PROFITS.

XV. INTELLECTUAL PROPERTY; USE OF MARKS:

         A. Broker acknowledges Q Comm's exclusive ownership of all Q Comm
designated trademarks, service marks and other symbols (the "Marks") relating to
the PIN and agrees not to assume any rights in the Marks.

         B. It is understood and agreed by both parties that nothing in this
agreement is intended to grant to Broker the right to engage in the business of
offering goods or services using Q Comm's trade name, trademark, service mark,
logotype, advertising, or other commercial symbol or related characteristics.

                                                                               6
<PAGE>

XVI. CONFIDENTIALITY:

         Both parties agree that all of the terms and conditions of this
Agreement are confidential. Press releases or other public announcements
("Public Releases") by either party concerning the existence of this Agreement,
terms of this Agreement, or the services to be provided under this Agreement may
not be disclosed publicly, other than to service vendors for the purpose of
effectuating this Agreement, without the prior written consent of both Q Comm
and Broker.

XVII. ASSIGNMENT:

         Q Comm may at any time assign its rights, obligations or duties, in
whole or in part, or any other interest hereunder without Broker's approval.
Broker may not assign its rights, obligations or duties, in whole or in part, or
any other interest hereunder without the prior written consent of Q Comm.

XVIII. INJUNCTIVE RELIEF:

         Broker hereby agrees that the remedy at law for any breach or
threatened breach by it of the covenants in this Agreement may be inadequate and
that Q Comm would suffer irreparable harm; therefore, it is mutually agreed and
stipulated by the parties hereto, that in addition to any other remedies at law
or in equity which Q Comm may have, Q Comm shall be entitled to obtain in a
court of law and/or equity a temporary and/or permanent injunction restraining
Broker from a further violation or breach of such covenants.

XIX. ATTORNEY'S FEES:

         In the event that an action at law or in equity is brought by Q Comm to
enforce the terms and conditions of this Agreement, or to prevent a breach
thereof, and Q Comm is the prevailing party, Broker shall be liable for Q Comm's
reasonable attorneys fees and costs in addition to any other relief awarded to Q
Comm pursuant to such action.

                                                                               7
<PAGE>

XX. NOTICES:

         Notices required to be given under this Agreement shall be effective
when mailed by prepaid certified mail return receipt requested to:

                  Q Comm International, Inc.
                  1145 South 1680 West
                  Orem, UT  84058-4930
                  Stephen C. Flaherty, President

                  Iowa Wireless Service LP
                  11358 Aurora Avenue
                  Urbandale, IA  50322.
                  Steven T. Schuler
                  (319) 981-9100

XXI. GENERAL:

         A. This Agreement constitutes the entire understanding between Q Comm
and Broker and supersedes any and all prior or contemporaneous oral or written
statements and representations made by either party to the other.

         B. Failure on the part of either party to enforce any provision of this
Agreement in any one instance shall not be construed as a general waiver or
relinquishment of the right to enforce such provision.

         C. If any provision of this Agreement shall be held to be invalid,
illegal or unenforceable, the validity, legality and enforceability of the
remaining provisions shall in no way be affected thereby.

         D. This Agreement may be executed in one or more counterparts, all of
which shall be considered one and the same agreement, and shall become effective
when one or more counterparts shall have been signed by each party and delivered
to the other party. The undersigned represent and warrant that they are duly
authorized by the parties to enter into and sign this Agreement and by such
signatures do bind the parties to the terms of this Agreement.

         E. This Agreement shall be governed by Utah law, without giving effect
to its choice of law provisions.

                                                                               8
<PAGE>

XXII. NON-DISCLOSURE

         A. During the course of this Agreement, Broker shall become aware of
certain methods, practices, and procedures with which Q Comm conducts its
business, all of which Broker and Q Comm agree are proprietary information and
as such are trade secrets.

         B. Broker will not at any time, either during this Agreement or
thereafter divulge, furnish, or make available, either directly or indirectly,
to any person, firm, corporation or other entity any proprietary information
used by Q Comm. Broker agrees that all such matters and information shall be
kept strictly and absolutely confidential.

         C. Broker acknowledges that a breach of any of the provisions of this
Agreement may result in continuing and irreparable damages to Q Comm for which
there may be no adequate remedy at law and that Q Comm in addition to other
relief available to Q Comm shall be entitled to the issuance of an injunction
restraining Broker from committing or continuing and breach of this Agreement.

IN WITNESS WHEREOF, the parties agree that this Agreement sets forth the
complete understanding of the parties and may not be modified except in writing
signed by both parties.

Iowa Wireless                              Q Comm International, Inc.

By:/s/ Steven T. Schuler                   By: /s/ Stephen Flaherty
  ----------------------------------           --------------------------------

Its: Chief Financial Officer               Its:  President
    --------------------------------           --------------------------------

Date: January 15, 2002                     Date: January 15, 2002
      ------------------------------            -------------------------------

Phone #:                                   Phone #: (801) 226-4222
                                                    --------------

                                                                               9
<PAGE>

                                  SCHEDULE "A"

Payment:

1.   Broker will receive its agreed upon percentage daily or weekly
     corresponding with the merchants ach schedule and based on the transaction
     fees listed below.

2.   Q Comm will deduct the Q Comm percentage (%) from each ACH.

3.   Payment in U.S. Dollars.

4.   Q Comm will collect funds from Merchants on a weekly or daily basis through
     an ACH. Each account will be placed on a weekly ACH initially. Once sales
     for an individual unit exceeds $500/day in gross revenue, the client will
     be automatically switched to a daily ACH.

Training:

5.   Q Comm will provide English speaking telephonic training for Qxpress(TM) as
     follows:

     a)   The first five (5) approved locations are trained at no charge.

     b)   Each additional in-service training is $22.50.

         Terminal:

6.   Broker will contract each Merchant location to be installed with
     Qxpress(TM) using a Q Comm Services & Rental Agreement and an ACH Agreement
     (Schedule "B" and "C").

7.   Qxpress(tm)blank cards for use in terminals may be provided by Q Comm; $25
     per box (250 cards in a box). Private label cards are available.

8.   Q Comm will waive the initial $35.00 set-up fee for each Qxpress(TM) unit
     requested by the BrokeR. However, if Broker collects a set-up fee from its
     customers, Q Comm will immediately begin charging the Broker $35 per
     terminal.

9.   Q Comm will arrange for Internet access for Broker and selected key
     accounts.

10.  All Qxpress(TM) terminals remain the sole property of Q Comm Inc.

11.  All products and shipments are FOB Utah.

12.  Qxpress(TM) demonstration terminals are available for the following fees:

          1-2 demo terminals - $35 each per month (paid in advance)
          3-6 demo terminals - $50 each per month (paid in advance)
          7+ demo terminals - $100 each per month (paid in advance)

                                                                              10
<PAGE>

13.  Terminals will be configured to have screen display in language of choice
     (English plus one).

14.  Terminals will display the name and logo of q comm unless a private label
     agreement is reached between the parties. The terminals may display both
     the name of q comm and iowa wireless.

15.  The relationship will originate with the use of the older version of Q Comm
     terminals and that the newer terminals will be utilized as soon as they
     become available. The newer terminals will be in place no later than june
     30, 2002.

16.  Minimum Performance:

     a)   Each location (where a Qxpress(TM) terminal has been installed) must
          maintain a $200.00/week minimuM.

     b)   If these minimums are not met each week, a weekly service fee of $8.95
          will be deducted from the Merchants ACH account.

     c)   This service fee will commence the second Monday following shipment of
          the Qxpress(TM) terminal.

     d)   Each Qxpress(tm) terminal (Merchant location) is responsible for
          meeting the performance minimum for the location.

If products are being provided by Broker, the following deal points apply:

17.  Broker may add additional products on Qxpress(TM) if they desire. Up to
     five (5) products can be added At no charge. Each additional product is
     $325.

18.  Q Comm will provide one (1) download of pins per month at no charge. Each
     additional download is $250.

19. The price and terms of this Agreement are good for 30 days without a
    signature.

Transaction Fees:

20.  Q Comm will receive a 1% commission on all gross revenue sold through
     Qxpress(TM).

21.  Q Comm will receive a eighty-five cent (85(cent)) per week account
     management and ach fee per qxpress(tm) location. this fee starts concurrent
     with the minimum performance fee listed in #16c.

                                                                              11
<PAGE>

22.  Q Comm will receive a twenty-five cent (25(cent)) per week hardware
     maintenance fee per Qxpress(Tm) location. This fee starts concurrent with
     the minimum performance fee listed in #16c.

23.  Minimum gross revenue (Face Value) per week must exceed $20,000 after the
     initial six (6) month rollout.

Reports:

24.  Three standard reports will be provided by Q Comm; Merchant, Broker,
     Operator/Carrier.

25. Custom report creation available.

26. Pin management reports also available.

                                                                              12
<PAGE>

                                  SCHEDULE "B"

                          SERVICES AND RENTAL AGREEMENT

This Agreement is made this _____day of ________________ ,2002 by and between
__________________________________ (the "Merchant") and Q COMM, Inc. Q COMM Inc.
is a wholly owned subsidiary of Q COMM International, Inc. Qxpress Management
System ("Qxpress(TM)") is a point-of-sale printing device for prepaid service.
The MerchaNT wishes to utilize the Qxpress(TM) Device for their phone card,
wireless, and any additional prepaid services AS available for sales at their
designated location(s). A list of the locations is attached to this Agreement
and incorporated herein by reference.

      IN THE EVENT OF A DISPUTE, THIS AGREEMENT IS SUBJECT TO ARBITRATION
                                 AND MEDIATION.

1. The term of this agreement is two (2) years during which Q COMM, Inc. will
provide Qxpress(TM) to the MerchaNT at no charge. The Merchant is required to
produce a weekly minimum of $200.00 in gross prepaid card revenue. If this
minimum is not met, a service fee of $8.95 will apply. This service fee will be
included in the ACH accounting each week that performance falls below the
minimum. The service fee will commence the second Monday following the shipment
of the Qxpress(TM) terminal. Optional weekly ACH reports are available to the
Merchant upON request for a $2.00 weekly charge. Blank cards will be provided by
Q Comm at a cost of $0.10 per card ($25 per box of 250 cards).

2. Q Comm will collect funds from Merchants on a weekly or daily basis through
an ACH. Each account will be placed on a weekly ACH initially. Once sales for an
individual unit exceeds $500/day in gross revenue, the client will be
automatically switched to a daily ACH.

3. Compensation: Q COMM, Inc. will compensate the Business for prepaid telecom
revenues as per the following:

<TABLE>
<CAPTION>

         Product Description       Percentage       Product Description         Percentage
         -------------------       ----------       -------------------         ----------
<S>                                <C>              <C>                         <C>

         ---------------            -------%         ----------------            -------%

         ---------------            -------%         ----------------            -------%
         ---------------            -------%         ----------------            -------%

</TABLE>

4. Qxpress(TM) is and shall remain the sole property of Q COMM, Inc., and shall
be surrendered on demand if the terms of this agreement are violated.

5. Q COMM, Inc. reserves the right to remove a Qxpress(TM) from a location if
sales in that location do not warrant the Qxpress(TM) placement.

6. The Merchant shall provide the following: 1) a safe and secure place for the
Qxpress(TM) to be located, 2) a grounded power outlet, 3) phone line access, and
4) a point-of-sale material location.

Merchant:

The Merchant's store name:  ___________________________________________________

The Merchant's store address:  ________________________________________________

                       City/State/Zip: ________________________________________

The Merchant's store telephone number: ________________________________________

The Merchant's store fax number: ______________________________________________

The Merchant's store Email address: ___________________________________________

Owner/Officer: (print):  ______________________________________________________

Owner/Officer: (signature):  __________________________________________________

Q COMM, Inc.

Representative:  ______________________________________________________________

                                               White Copy: Q Comm, Inc.
                                                  Yellow Copy: Merchant
                                                      Pink Copy: Broker

                     ORIGINALS MUST BE SENT TO Q COMM, INC.

                                                                              13
<PAGE>

7. Q COMM, Inc. will provide standard point-of-sale materials at it's own
expense. Private labeled point of sale material can be provided by Q COMM, Inc.
at the Merchant's expense. The Merchant can provide their own point of sale
materials subject to approval by Q COMM, Inc. (Q COMM, Inc. must assure that any
advertising meets FCC or Public Service or Utility Commission Guide lines).

8. Qxpress(TM) shall remain at the location it is initially located in and shall
not be moved without prior approval from Q COMM, Inc. (a fax or E-mail with
receipt confirmed shall also serve as notice).

9. PAYMENT: Weekly or daily, an agreed upon account will be debited by Automated
ClearingHouse (ACH) or Electronic Funds Transfer (EFT) (herein after referred to
as the "debit"). The debit will be initiated by Q COMM, Inc. If debit is refused
by The Merchant's bank, Qxpress(TM) will be turned off until the debit is
honored and a service fee of $25.00 for insufficient funds will be assessed
before Qxpress(TM) is reactivated. Two refused debits will cause this Agreement
to be terminated immediately without notice. Any fees incurred by Q Comm in
order to collect unpaid debits, including but not limited to collection agency
fees, attorney's fees and court costs, will be added to the amount Q Comm is
entitled to receive from The Merchant. Interest at 18% per annum will also be
added to unpaid debits.

10. In the event Qxpress(TM) malfunctions, the store clerk or manager will call
Qxpress Client Services at (800) 626-9941. If the Qxpress cannot be repaired
with instructions over the phone or by phone updates, Q COMM, Inc. will send a
replacement unit via overnight delivery.

11. Any disputes between The Merchant and Q COMM, Inc. that cannot be resolved
will be submitted to arbitration under the rules and regulations of the American
Arbitration Association. Either party may invoke this paragraph after providing
10 days written notice to the other party. All cost of arbitration shall be
divided equally between the parties. Any award may be enforced by a court of
law. Dispute mediation, or arbitration will be handled at the specific court
located in the county of Utah, State of Utah.

12. ENTIRE AGREEMENT: This is our entire agreement and cannot be changed unless
agreed to in writing by both parties.

13. FORCE MAJEURE: If any part of this agreement is invalidated by local,
county, state or federal rules or regulations, or a court of law, the balance of
this agreement will remain valid.

14. TAXES: Q COMM, Inc.'s carriers are responsible for collection and payment of
Federal excise and applicable State taxes unless the local, county or State
laws, rules, and regulations require that the taxes be collected at the time of
sale and reported to the taxing authorities by the Merchant. Taxes may be
collected from the card user on a per call or per minute basis. There may be
taxes that Q COMM, Inc. will collect and pass through to The Merchant. Any
additional taxes levied by Federal, State, or local entities will be passed on
to The Merchant. Any taxes collected by The Merchant will be their sole
responsibility to remit to proper taxing authorities. This statement is not
advice on the collection or reporting of taxes and we suggest that each Merchant
contact their CPA, Accountant or taxing authority in their states for the
correct taxes or reporting of same from the sale of any Prepaid
Telecommunication Product.

15. DIAL AROUND: The FCC in October 1997 mandated that all 800 or 888 calls from
a pay phone be compensated to the pay phone owner. A surcharge ($.49) may be
added to each call for toll free access from a pay phone. The Merchant is not
responsible for collecting and paying these dial around charges.

16. RETURN GOODS POLICY: All returned goods must be authorized by Q Comm, Inc.
using a Return Goods Authorization "RGA" form. All returned goods commissions,
Broker and Merchant, will be charged back to the appropriate commissioned party
on the next ACH cycle. The Broker will be responsible for the Merchant interface
on all claims. This policy does not apply to phone cards or airtime cards, as
there is a no refund-no return policy on all cards generated by Qxpress(TM). A
restocking fee of 15% will be applied to all returned goods. ThIS fee will be
deducted from the ACH credit on the cycle following the receipt of goods. The
RGA # must be visible on all returned good shipments in order to be accepted.

17. TRANSFER OF RIGHTS OR ASSIGNMENT: This agreement shall be binding on any
successors of the parties. Neither party shall have the right to assign its
interests in this Agreement to any other party, unless the prior written consent
of the other is obtained.

18. WARRANTIES: Neither party makes any warranties with respect to the use of
Qxpress(TM) by either party or by any third party. In no event will Q COMM, Inc.
be liable for direct, indirect, incidental, or consequential damaged, that are
in any way related to Qxpress(TM) or its carriers.

19. TERMINATION: This Agreement can be terminated by Q COMM, Inc. by providing a
thirty (30) day advance written notice. The Merchant can terminate with 30 days
advance written notice if the terms of this agreement are not being met.

20. GOVERNING LAWS: This Agreement is governed by the laws, rules and
regulations of the State of Utah.

21. EXCLUSIVITY: The Merchant agrees that during the term of this agreement Q
COMM, Inc. shall be the sole provider of phone cards and Prepaid Wireless to all
their retail locations.

                                                                              14
<PAGE>

                                 [Q COMM LOGO]

                                  SCHEDULE "C"
                                  ------------

                                  ACH AGREEMENT

     Authorization and Agreement for Automated Clearing House (ACH) Debits
                                  and Credits

Company Name: _________________________________________________________________

Company Address: ______________________________________________________________

I (we) authorize: Q COMM International, Inc. herein after called "Company", to
initiate credit and or debit entries and adjustments for any credit entries in
error to my (our) checking account indicated below and the depository named
below, herein after called "Depositor", and to credit and/or debit the same such
account.

Depositor name (Bank name): ___________________________________________________

Address: ______________________________________________________________________

City, State and Zip or Postal Code: ___________________________________________

Phone Number: ____________________________  Fax Number: _______________________

Bank Service Representative: __________________________________________________

ACH Routing/Transit/ABA # (9 digits): _________________________________________

Account Number: _______________________________________________________________

This authority is to remain in full force and effect until Company has received
written notification from me (us).

By:                                         By: Q COMM Inc.
    ------------------------------
         (Please Print)
Its: __________________________________     Client Mgr: ________________________
          (Title)

Signed: ______________________________      H O: _______________________________

Date: ___________________________           Date: ______________________________

PLEASE VERIFY YOUR ACCOUNT NUMBER AND ACH ROUTING NUMBER WITH YOUR BANK.
ATTACH A VOIDED CHECK TO THIS FORM. NO DEPOSIT SLIP.

Any errors and/or disputes must be corrected within two banking days of the
initiating transaction. Thank you for your confidence and trust.

                                                                              15
<PAGE>

                                  SCHEDULE "D"

                PRODUCT PRICE LIST AND BROKER COMMISSION SCHEDULE

                       IOWA WIRELESS PROVIDES ALL PRODUCTS

                          (all products are PIN-based)

                                                                             16

<PAGE>

                                 [Q COMM LOGO]

                        Q Comm, Inc. Services Agreement
                        -------------------------------

         This Agreement (the "Agreement") is entered into this 11th day of
October, 2000 (the "Execution Date") between Q Comm, Inc. ("Q Comm") with
offices at 1145 South 1680 West Orem, UT 84058-4930 and Hargray Wireless
("Broker") with offices at 856 William Hilton Pkwy. Bldg. A Hilton Head, SC
29938.

                                   WITNESSETH:

         WHEREAS, Q Comm offers a comprehensive prepaid management system
through the Qxpress(TM) Point-of-Sale activation terminal ("Qxpress(TM)") and
the Q Comm telecommunications network ("Qxpress Services"); and

         WHEREAS, Broker desires to purchase Q Comm services, including
activated calling cards in the form of personal identification numbers
(collectively the "PINs") as will be generated on-demand by Qxpress(TM); and

         WHEREAS, Q Comm desires to obtain Broker as an independent agent to
market and promote Qxpress(TM) and Qxpress(TM) Services and Broker desires to
provide such services to Q Comm, subject to the terms, conditions and
specifications set forth in this Agreement; and

         WHEREAS, the parties acknowledge that this Agreement is binding and
enforceable and agree to abide by the promises and covenants contained herein;
and

         NOW, THEREFORE, in consideration of the premises, covenants and mutual
promises hereinafter set forth and intending to be legally bound thereby, the
parties agree to the following terms, conditions and specifications:

I. SERVICES PROVIDED:

         Q Comm will provide the Qxpress(TM) terminal to organizations
("Merchants") contracted by Broker in accordance with the terms specified in
Schedule "A"

         Q Comm agrees to sell to Broker and Broker agrees to purchase
Qxpress(TM) PINs in accordance with the terms and conditions set forth herein.
Qxpress(TM) provides access to prepaid calling and enhanced card services,
including network provisioning for interstate, international and, where
permitted by applicable regulations, intrastate transmission, as well as
switching facilities needed to originate, transmit, and terminate Card traffic.

                                                                               1
<PAGE>
II. TERM:

         The term of this non-exclusive agreement is two (2) years. If, at the
end of this term, both Q Comm and Broker wish to renew the agreement, they may
do so. This agreement may be terminated at any time for "no cause." If
terminated by the Broker, a ninety (90) day prior written notice to the other
party is required. Broker shall, upon termination of this Agreement, and at the
request of Q Comm, Inc. arrange for the return of all Qxpress(TM) terminals in
Brokers possession at the expense to the Broker unless the client using the
Qxpress(TM) terminal has been contracted under the Q Comm Inc, "SERVICES AND
RENTAL AGREEMENT" and ACH Agreement. If return is requested by Q Comm, Inc., all
Qxpress(TM) terminals must be returned within twenty-five (25) days of the date
of termination. If the terminals are not received within that time frame the
Broker agrees to pay $350.00 per unit payable upon demand. Broker shall
indemnify and hold Q Comm harmless from any and all claims, actions, losses and
damages arising from the attempted use by third parties or end-users. The terms
and conditions of this Agreement shall remain in full force and effect after the
termination date for all Qxpress(TM) terminals contracted by Broker and
activated by Q Comm before the termination date.

III. COMPENSATION:

         Q Comm shall pay Broker, and Broker shall be entitled to receive,
commissions and compensations as outlined in "SCHEDULE D" attached to this
agreement. Broker will receive it's agreed upon percentage, based upon the
customer retail volume, each week following the ACH. Broker agrees to all fees,
commissions, and minimum performance requirements in accordance with schedules
"A" and "B" which are subject to change with five (5) day notice to the Broker.

IV. DEPOSIT/CANCELLATION:

         No Deposit is required with the "SERVICES AND RENTAL AGREEMENT" and ACH
Agreement. A minimum performance per terminal per week is required and outlined
in "SCHEDULE A". If this minimum is not met, a service fee will be assessed
through the ACH agreement. In addition, a Qxpress(TM) restocking fee of $25.00
applies to all returned terminals except for performance recalls by Q Comm,
Inc.. If the merchant fails to maintain such average sales volume Q Comm Inc.
may, at its sole discretion and without liability, immediately terminate the
"SERVICES AND RENTAL AGREEMENT".

V. RATE CHANGES:

         The Service rates shall be subject to all applicable carrier tariffs. Q
Comm shall have the right to change the Service rates at any time for any reason
in Q Comm's sole discretion with five (5) day prior written notification of the
change to Broker. Broker acknowledges that a rate change will modify the minute
availability on the prepaid calling card.

VI. ORDERS:

         The original, signed copies of the "SERVICES AND RENTAL AGREEMENT" and
ACH Agreement are required from the Broker for all Merchant orders prior to
shipping and/or activating a Q Comm Qxpress(TM) terminal. All orders shall be
subject to Q Comm's approval, as well as Q Comm's "SERVICES AND RENTAL
AGREEMENT" and ACH Agreement, unless otherwise established; a copy of which is
attached hereto as Schedule "B".

                                                                               2
<PAGE>

VII. RETURN GOODS POLICY:

         All returned goods must be authorized by Q Comm Inc. using the Request
for Return Goods Authorization "RGA" Request form found in SCHEDULE "E". All
returned goods commissions, Broker and Merchant, will be charged back to the
appropriate commissioned party on the next ACH cycle. The Broker will be
responsible for the Merchant interface on all claims. This policy does not apply
to phone cards or airtime cards as there is a no refund-no return policy on all
cards generated by Qxpress(TM). A restocking fee of 15% will be applied to all
returned goods. This fee will be deducted from the ACH credit on the cycle
following the receipt of goods. The RGA # must be visible on all returned goods
in order to be accepted.

VIII. ACTIVATION:

         Broker and/or Merchant shall pay for all activated calling cards via
ACH program, which will debit the designated merchant account every week for the
previous week's sales.

IX. OBLIGATIONS OF Q Comm:

         A. Q Comm shall provide the Qxpress(TM) terminal to Broker's Merchants
subject to the Q Comm, Inc. acceptance of the "SERVICES AND RENTAL AGREEMENT"
and the ACH Agreement.

         B. Hargray will be the sole provider of its own prepaid products.

         C. Q Comm shall be solely responsible for developing and implementing
the terms and conditions for use of Qxpress(TM).

X. OBLIGATIONS OF BROKER:

         A. Broker is required to adhere to the following performance
            minimums:

            1) Minimum performances, outlined in the "SERVICES AND RENTAL
               AGREEMENT," must be maintained quarterly by 75 percent of the
               Qxpress(TM) terminals placed by Q Comm, Inc. in Broker's behalf.

            2) Broker must place a minimum of sixty (60) Qxpress(TM)terminals in
               each twelve (12) month period.

            3) If these performance minimums are not met, Q Comm, Inc. may
               terminate the Broker Agreement at any time.

                                                                               3
<PAGE>

         B. If this Agreement is terminated by either party, Q Comm, Inc. will
continue to support the existing Qxpress(TM) terminals under all existing
contract terms for a period of 180 days from the date of notice as defined in
paragraph XVIII ("Notices").

         C. Broker accepts the "SERVICES AND RENTAL AGREEMENT" and ACH Agreement
in effect at the time of this Agreement. (Schedule "B"). Q Comm's "SERVICES AND
RENTAL AGREEMENT" and ACH Agreement are subject to change with five (5) day
notice to Broker. Hargray may terminate upon ten (10) day notice if the terms of
this change are undesirable to Hargray.

         D. Broker must obtain Q Comm's written approval of all content and
artwork for any prepaid calling cards, packaging and point-of-purchase materials
as a condition to activation of PINs. Q Comm shall have the right to change,
add, or modify the copy in any way. All modifications by Broker to pre-approved
content or artwork must also be approved in writing by Q Comm.

         E. Q Comm Prepaid Phone Card "Custom/Private Label Card Terms &
Conditions" (Schedule "C") must be clearly disclosed on the back of each custom
prepaid calling card, insert or point-of-purchase material.

XI. DELIVERY, TITLE, RISK OF LOSS, SECURITY AND FRAUD CONTROL:

         A. Broker, upon taking delivery of the Qxpress(TM) terminal from Q
Comm, shall bear the risk of loss (unless contracted under the Q Comm, Inc.
"SERVICES AND RENTAL AGREEMENT") and be solely responsible for all losses,
damages, claims and liabilities caused by:

         1. PINs, active cards, and inactive cards which are mishandled, damaged
            or stolen;

         B. Q Comm shall collect all revenues from retailers as per the ACH
agreement enclosed in Schedule "B".

         C. Broker shall bear the risk of loss for fraud, theft or misuse of the
Qxpress(TM) terminal by Broker's employees. Q Comm will use its best efforts to
inform Hargray of any fraud or misuse as and if Q Comm becomes aware.

         D. The parties agree that, upon activation and authorization of sale by
the Qxpress(TM) terminal, the Merchant shall be responsible for the following as
per the "SERVICES AND RENTAL AGREEMENT":

         1. all lost and/or stolen cards, for which no refunds or credits will
            be issued by Q Comm;

                                                                               4
<PAGE>

         2. use of activated Calling Cards generated by Qxpress(TM) (including
            calls to wrong numbers), regardless of whether such use occurred by
            the Merchant, a person authorized by the end user to use the
            Qxpress(TM) terminal, or by a person not authorized by end user; and

         3. improper activation by Merchant of incorrect unit amounts, improper
            decrementation by Q Comm or transmission difficulty.

         E. Q Comm shall, in its sole discretion, have the right to immediately
deactivate any particular Qxpress(TM) terminal, PIN or batches of PINs in the
event Q Comm reasonably believes that same have been improperly or fraudulently
activated.

         F. All shipments are F.O.B. Utah.

XII. FORCE MAJEURE:

         Q Comm shall not be liable for any delay or nonperformance under the
terms of this Agreement due to causes beyond its control, including but not
limited to, acts of God, acts of civil or military authority, government
regulations, embargoes, epidemics, war, terrorist acts, riots, insurrections,
fires, explosions, earthquakes, nuclear accidents, floods, strikes, power
blackouts, severe weather conditions, failure by Broker to fulfill any of its
obligations under this Agreement, acts of third parties, or acts or omissions of
common carriers (collectively referred to as "Force Majeure Conditions")

XIII. INDEMNIFICATION AND LIMITATIONS OF LIABILITY

         A. Q Comm shall exercise its best efforts to avoid network service
interruption. However, in the event of a network service interruption or
equipment failure, Q Comm's liability hereunder shall be limited to the retail
cost of the PIN subject to the interruption, provided that such interruption was
caused solely by Q Comm's willful act or omission or its negligence. Q Comm
shall not be liable for any interruption caused by the negligence or any act or
omission of Broker, the Card user, carrier, switch provider or any third party.

         B. Except as otherwise stated herein each party will defend, indemnify
and hold harmless the other party, its owners, parents, affiliates,
subsidiaries, brokers, directors, officers, shareholders, and employees from and
against any and all losses, costs, claims, awards, liabilities, damages, and
expenses (including reasonable attorneys fees) brought or claimed by third
parties, relating to or arising out of the negligence or willful misconduct of
either party in the performance of this Agreement.

         C. Q COMM MAKES NO WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT
LIMITED TO, ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE
OR USE OR OTHER WARRANTY OF QUALITY, EXCEPT AS EXPRESSLY PROVIDED IN THE TERMS
AND CONDITIONS OF THIS AGREEMENT. IN NO EVENT SHALL Q Comm BE LIABLE TO BROKER
OR ANY OTHER PERSON OR ENTITY FOR INDIRECT, SPECIAL, CONSEQUENTIAL OR INCIDENTAL
DAMAGES OF ANY KIND, INCLUDING BUT NOT LIMITED TO LOST REVENUES OR PROFITS.

                                                                               5
<PAGE>

XIV. INTELLECTUAL PROPERTY; USE OF MARKS:

         A. Broker acknowledges Q Comm's exclusive ownership of all Q Comm
designated trademarks, service marks and other symbols (the "Marks") relating to
the PIN and agrees not to assume any rights in the Marks.

         B. It is understood and agreed by both parties that nothing in this
agreement is intended to grant to Broker the right to engage in the business of
offering goods or services using Q Comm's trade name, trademark, service mark,
logotype, advertising, or other commercial symbol or related characteristics.

XV. CONFIDENTIALITY:

         Both parties agree that all of the terms and conditions of this
Agreement are confidential. Press releases or other public announcements
("Public Releases") by either party concerning the existence of this Agreement,
terms of this Agreement, or the services to be provided under this Agreement may
not be disclosed publicly, other than to service vendors for the purpose of
effectuating this Agreement, without the prior written consent of both Q Comm
and Broker.

XVI. ASSIGNMENT:

         Q Comm may at any time assign its rights, obligations or duties, in
whole or in part, or any other interest hereunder without Broker's approval.
Broker may not assign its rights, obligations or duties, in whole or in part, or
any other interest hereunder without the prior written consent of Q Comm. In the
event of assignment by Q Comm to another entity, Hargray will have the right to
terminate the agreement upon ten (10) day notice.

XVII. INJUNCTIVE RELIEF:

         Broker hereby agrees that the remedy at law for any breach or
threatened breach by it of the covenants in this Agreement may be inadequate and
that Q Comm would suffer irreparable harm; therefore, it is mutually agreed and
stipulated by the parties hereto, that in addition to any other remedies at law
or in equity which Q Comm may have, Q Comm shall be entitled to obtain in a
court of law and/or equity a temporary and/or permanent injunction restraining
Broker from a further violation or breach of such covenants.

                                                                               6
<PAGE>

XVIII. ATTORNEY'S FEES:

         In the event that an action at law or in equity is brought by Q Comm to
enforce the terms and conditions of this Agreement, or to prevent a breach
thereof, and Q Comm is the prevailing party, Broker shall be liable for Q Comm's
reasonable attorneys fees and costs in addition to any other relief awarded to Q
Comm pursuant to such action.

XVIX. NOTICES:

         Notices required to be given under this Agreement shall be effective
when mailed by prepaid certified mail return receipt requested to:

                  Q Comm International, Inc.
                  1145 South 1680 West
                  Orem, UT  84058-4930
                  Stephen C. Flaherty, President

                  Hargray Wireless
                  856 William Hilton Pkwy, Bldg. A
                  Hilton Head, SC 25538
                  Marc Halperin, Director of Operations

XX. GENERAL:

         A. This Agreement constitutes the entire understanding between Q Comm
and Broker and supersedes any and all prior or contemporaneous oral or written
statements and representations made by either party to the other.

         B. Failure on the part of either party to enforce any provision of this
Agreement in any one instance shall not be construed as a general waiver or
relinquishment of the right to enforce such provision.

         C. If any provision of this Agreement shall be held to be invalid,
illegal or unenforceable, the validity, legality and enforceability of the
remaining provisions shall in no way be affected thereby.

         D. This Agreement may be executed in one or more counterparts, all of
which shall be considered one and the same agreement, and shall become effective
when one or more counterparts shall have been signed by each party and delivered
to the other party. The undersigned represent and warrant that they are duly
authorized by the parties to enter into and sign this Agreement and by such
signatures do bind the parties to the terms of this Agreement.

                                                                               7
<PAGE>

         E. The parties agree: (i) this Agreement shall be construed in
accordance with the internal laws of the State of Delaware; (ii) if any dispute
arises concerning this Agreement, venue shall be laid in the local, state or
federal courts of the original defendant in such action.

XXI. NON-DISCLOSURE

         A. During the course of this Agreement, both parties shall become aware
of certain methods, practices, and procedures concerning the practice of
business, all of which Broker and Q Comm agree are proprietary information and
as such are trade secrets.

         B. Both parties will not at any time, either during this Agreement or
thereafter divulge, furnish, or make available, either directly or indirectly,
to any person, firm, corporation or other entity any proprietary information
used either party. Both parties agree that all such matters and information
shall be kept strictly and absolutely confidential.

IN WITNESS WHEREOF, the parties agree that this Agreement sets forth the
complete understanding of the parties and may not be modified except in writing
signed by both parties.

Hargray Wireless                             Q Comm International, Inc.

By:/s/ Marc Halperin                         By: /s/ Stephen Flaherty
  ----------------------------------             ------------------------------

Its: Director of Operations                  Its:  President
    --------------------------------             ------------------------------

Date: October 11, 2000                       Date: October 11, 2000
      ------------------------------              -----------------------------

Phone #:                                     Phone #: (801) 226-4222
       -----------------------------                 --------------------------

                                                                               8
<PAGE>

                              AMENDED SCHEDULE "A"

1.   Q Comm will provide the Qxpress(TM) terminal at its expense.

2.   Q Comm will provide installation and training support for each approved
     location.

3.   Q Comm will arrange for Internet access for activity reporting on all
     locations installed under this agreement.

4.   Q COMM, Inc. will provide generic blank phone cards at the rate of $.10
     each. A credit of $.10 per sale will be given to the Merchant on each
     billing to offset the cost of the cards. Private labeled cards can be
     provided to the Merchant at actual cost. All cards are non-refundable.

5.   All Qxpress(TM) terminals remain the sole property of Q Comm Inc.

6.   Execute an approved Q Comm Inc. agreement for all Qxpress(TM) placements.

7.   Provide a 30 day sales forecast of Qxpress(TM) units.

8.   Maintain responsibility for collection from the individual client. Hargray
     Wireless will pay Q Comm the following percentages on gross revenue for all
     Qxpress(TM) services and Qxpress(TM) terminals:

     o 4% on all gross revenue from Qxpress(TM).......$0 < $25,000 / week

     o 3% on all gross revenue from Qxpress(TM).......>$25,000 < $50,000 / week

     o 2.5% on all gross revenue from Qxpress(TM).......>$50,000 / week

9.   Provide Q Comm Inc. with the appropriate documentation for an ACH of each
     Hargray Wireless client.

10.  A Qxpress(TM) service charge will be assessed based on the gross revenue
     schedule below:

     Less than $150 gross revenue per week............................$14.25

     Greater than $150 gross revenue per week........................No Charge

11.  Q Comm Inc will process all Hargray Wireless orders in a timely fashion and
     drop ship directly to the designated location.

12.  All products and shipments are FOB Utah.

13.  Q Comm Inc. will ACH Hargray Wireless clients every week (Monday) for all
     activity for the prior seven days. The ACH will clear all monies except the
     agreed upon commissions.

                                                                               9
<PAGE>

14.  Offer 800 number customer service for all Qxpress(TM) products.

15.  Q Comm will launch all pin numbers provided by Hargray Wireless to only
     those Hargray Wireless clients. One download of pins per month is provided
     at no charge. Each additional download is $250.

16.  Q Comm will create one cardback for each Hargray Wireless product at no
     charge. Any additional cardback changes are $75.00 each.

17.  Qxpress(TM) demonstration terminals are available for a fee of $35 per
     month (paid in advance).

18. Prices and terms are good for 30 days from date of this agreement. Subject
    to change without notice.

                                                                              10
<PAGE>
                                  SCHEDULE "B"

                          SERVICES AND RENTAL AGREEMENT

This Agreement is made this _____day of ________________ ,2000 by and between
__________________________________ (the "Merchant") and Q COMM, Inc. Q COMM Inc.
is a wholly owned subsidiary of Q COMM International, Inc. Qxpress Management
System ("Qxpress(TM)") is a point-of-sale printing device for prepaid service.
The Merchant wishes to utilize the Qxpress(TM) Device for their phone card,
wireless, and any additional prepaid services as available for sales at their
designated location(s). A list of the locations is attached to this Agreement
and incorporated herein by reference.

              IN THE EVENT OF A DISPUTE, THIS AGREEMENT IS SUBJECT
                         TO ARBITRATION AND MEDIATION.

1.   Q COMM, Inc. will provide Qxpress(TM) to the Merchant at no charge. The
     Merchant is required to produce a weekly minimum of $______ in gross
     prepaid card revenue. If this minimum is not met, a service fee of $_______
     will apply. This service fee will be included in the ACH accounting each
     week that performance falls below the minimum. The service fee will
     commence the fourth Monday following the shipment of the Qxpress(TM)
     terminal. Optional weekly ACH reports are available to the Merchant upon
     request for a $2.00 weekly charge.

2.   Q COMM, Inc. will provide blank Qxpress(TM) phone cards at the rate of $.10
     each. A credit of $.10 per sale will be given to The Merchant on each
     billing to offset the cost of the cards. All blank cards are
     non-refundable. Private labeled cards may be provided at an additional fee
     with no offset credit by Q Comm, Inc..

3.   Compensation: Q COMM, Inc. will compensate the Business for prepaid telecom
     revenues per month as per the following:

  Product                               Product
 Description        Percentage         Description             Percentage

---------------      -------%         ---------------            -------%

---------------      -------%         ---------------            -------%

---------------      -------%         ---------------            -------%

              ----------------------------------------------------
              Initial wireless phone order: Send ________ phones.
              ----------------------------------------------------

4.   Qxpress(TM) is and shall remain the sole property of Q COMM, Inc., and
     shall be surrendered on demand.

5.   Q COMM, Inc. reserves the right to remove a Qxpress(TM) from a location if
     sales in that location do not warrant the Qxpress(TM) placement.

6.   The Merchant shall provide the following: 1) a safe and secure place for
     the Qxpress(TM) to be located, 2) a grounded power outlet, 3) phone line
     access, and 4) a point-of-sale material location.

Merchant:

The Merchant's store name:  _________________________________________________

The Merchant's store address:  ______________________________________________

                       City/State/Zip: ______________________________________

Owner/Officer: (print):  ____________________________________________________

Owner/Officer: (signature):  ________________________________________________

The Merchant's store telephone number: ______________________________________

Q COMM, Inc.

Representative:  ____________________________________________________________

Q Comm home office:  ________________________________________________________
                           ORIGINALS MUST BE SENT TO Q COMM, INC.

                                                                              11
<PAGE>

7. Q COMM, Inc. will provide standard point-of-sale materials at it's own
expense. Private labeled point of sale material can be provided by Q COMM, Inc.
at the Merchant's expense. The Merchant can provide their own point of sale
materials subject to approval by Q COMM, Inc. (Q COMM, Inc. must assure that any
advertising meets FCC or Public Service or Utility Commission Guide lines).

8. Qxpress(TM) shall remain at the location it is initially located in and shall
not be moved without prior approval from Q COMM, Inc. (a fax or E-mail with
receipt confirmed shall also serve as notice).

9. PAYMENT: Every Monday, an agreed upon account will be debited by Automated
Clearing House (ACH) or Electronic Funds Transfer (EFT) (herein after referred
to as the "debit"). The debit will be initiated by Q COMM, Inc. If debit is
refused by The Merchant's bank, Qxpress(TM) will be turned off until the debit
is honored and a service fee of $25.00 for insufficient funds will be assessed
before Qxpress(TM) is reactivated. Two refused debits will cause this Agreement
to be terminated immediately without notice.

10. In the event Qxpress(TM) malfunctions, the store clerk or manager will call
Qxpress Client Services at (800) 626-9941. If the Qxpress cannot be repaired
with instructions over the phone or by phone updates, Q COMM, Inc. will send a
replacement unit via overnight delivery.

11. Any disputes between The Merchant and Q COMM, Inc. that cannot be resolved
will be submitted to arbitration under the rules and regulations of the American
Arbitration Association. Either party may invoke this paragraph after providing
10 days written notice to the other party. All cost of arbitration shall be
divided equally between the parties. Any award may be enforced by a court of
law. Dispute mediation, or arbitration will be handled at the specific court
located in the county of Utah, State of Utah.

12. ENTIRE AGREEMENT: This is our entire agreement and cannot be changed unless
agreed to in writing by both parties.

13. FORCE MAJEURE: If any part of this agreement is invalidated by local,
county, state or federal rules or regulations, or a court of law, the balance of
this agreement will remain valid.

14. TAXES: Q COMM, Inc.'s carriers are responsible for collection and payment of
Federal excise and applicable State taxes unless the local, county or State
laws, rules, and regulations require that the taxes be collected at the time of
sale and reported to the taxing authorities by the Merchant. Taxes may be
collected from the card user on a per call or per minute basis. There may be
taxes that Q COMM, Inc. will collect and pass through to The Merchant. Any
additional taxes levied by Federal, State, or local entities will be passed on
to The Merchant. Any taxes collected by The Merchant will be their sole
responsibility to remit to proper taxing authorities. This statement is not
advice on the collection or reporting of taxes and we suggest that each Merchant
contact their CPA, Accountant or taxing authority in their states for the
correct taxes or reporting of same from the sale of any Prepaid
Telecommunication Product.

15. DIAL AROUND: The FCC in October 1997 mandated that all 800 or 888 calls from
a pay phone be compensated to the pay phone owner. A surcharge ($.49) may be
added to each call for toll free access from a pay phone. The Merchant is not
responsible for collecting and paying these dial around charges.

16. RETURN GOODS POLICY: All returned goods must be authorized by Q Comm, Inc.
using a Return Goods Authorization "RGA" form. All returned goods commissions,
Broker and Merchant, will be charged back to the appropriate commissioned party
on the next ACH cycle. The Broker will be responsible for the Merchant interface
on all claims. This policy does not apply to phone cards or airtime cards as
there is a no refund-no return policy on all cards generated by Qxpress(TM). A
restocking fee of 15% will be applied to all returned goods. This fee will be
deducted from the ACH credit on the cycle following the receipt of goods. The
RGA # must be visible on all returned good shipments in order to be accepted.

17. TRANSFER OF RIGHTS OR ASSIGNMENT: This agreement shall be binding on any
successors of the parties. Neither party shall have the right to assign its
interests in this Agreement to any other party, unless the prior written consent
of the other is obtained.

18. WARRANTIES: Neither party makes any warranties with respect to the use of
Qxpress(TM) by either party or by any third party. In no event will Q COMM, Inc.
be liable for direct, indirect, incidental, or consequential damaged, that are
in any way related to Qxpress(TM) or its carriers.

19. TERMINATION: This Agreement can only be terminated by Q COMM, Inc. by
providing a five (5) day advance written notice. The Merchant can terminate with
30 days advance written notice if the terms of this agreement are not being met.

20. GOVERNING LAWS: This Agreement is governed by the laws, rules and
regulations of the State of Utah.

                                                                              12
<PAGE>

[QCOMM LOGO]

                                 ACH AGREEMENT

         Authorization and Agreement for Automated Clearing House (ACH)
                               Debits and Credits

Company:
        -----------------------------------------------------------------------

I (we) authorize: Q COMM International, Inc. herein after called "Company", to
initiate credit and or debit entries and adjustments for any credit entries in
error to my (our) checking account indicated below and the depository named
below, herein after called "Depositor", and to credit and/or debit the same such
account.

Depositor name (Bank name):
                           ----------------------------------------------------

Address:
        -----------------------------------------------------------------------

City, State and Zip or Postal Code:
                                     ------------------------------------------

Phone Number:                              Fax Number:
             ---------------------------              -------------------------

Bank Service Representative:
                            ---------------------------------------------------

Transit Number/ABA Number:
                          -----------------------------------------------------

Account Number:
               ----------------------------------------------------------------

This authority is to remain in full force and effect until Company has received
written notification from me (us).

By:                                          By: Q COMM Inc.
   -------------------------------------
         (Please Print)

Its:                                         Client Mgr:
     -----------------------------------                -----------------------
         (Title)
Signed:                                      H O:
        --------------------------------           ----------------------------

Date:                                        Date:
      --------------------------------            ----------------------------

PLEASE ATTACH A VOIDED CHECK OR DEPOSIT SLIP TO THIS FORM. WE NEED THIS TO GET
THE ACTUAL ROUTING AND ACCOUNT NUMBERS.

Any errors and/or disputes must be corrected within two banking days of the
initiating transaction. Thank you for your confidence and trust.

                                                                              13
<PAGE>

                                  SCHEDULE "C"

                 CUSTOM/PRIVATE LABEL CARD TERMS AND CONDITIONS

GENERAL ARTISTIC AND CONTENT GUIDELINES FOR WHOLESALE PIN'S AND CUSTOM PRIVATE
LABEL CARDS

CARDS

All card backs must disclose the following with regulatory requirements:

1.   Made in the USA
2.   Non-refundable
3.   Rates subject to change without notice
4.   The expiration date must appear on the card back.
5.   Network Services provided by a specialized phone card network
6.   The specific account access PIN must be printed on the card
7.   Toll free access number must be printed on the card
8.   The customer service number or instructions on how to reach customer
     service must be printed on the card
9.   Any applicable surcharges i.e. Payphone surcharge, Domestic surcharge and
     International surcharge MUST BE FULLY DISCLOSED on the card back and
     packaging back.
10.  Any applicable minute rounding increment must be disclosed on the card back

                                                                             14
<PAGE>

                              AMENDED SCHEDULE "D"

                PRODUCT PRICE LIST AND BROKER COMMISSION SCHEDULE

                         HARGRAY WIRELESS PRODUCTS ONLY

                                                                              15
<PAGE>

                                  SCHEDULE "E"

                     Request for Return Goods Authorization
                                  (RGA Request)

         (Q COMM cannot accept any returned merchandise without a RGA #)

-------------------------------------------------------------------------------
Procedure:   1.  Call (or FAX) Q Comm with the information listed below
             2.  Q Comm will research the request and call back within 24 hours
             3.  If approved, Q Comm will fax a RGA containing
                    1) a RGA # and 2) a mailing label or Q Comm will call
                       with a RGA # and address.
-------------------------------------------------------------------------------

Date              Company
     ------------                   -------------------------------------------

                  Street
                                    -------------------------------------------
                  City, State, zip
                                    -------------------------------------------
                  Telephone                                FAX
                                    ---------------------        --------------
                  Contact Person
                                    -------------------------------------------

Description of Merchandise

         -------------------------------------------------------------------

         -------------------------------------------------------------------

Number of items being returned
                                -------------------

Reason for RGA Request

         -------------------------------------------------------------------

         -------------------------------------------------------------------

         -------------------------------------------------------------------

                                                                              16<PAGE>

                                                                   Exhibit 10.14

                           PreCash(R) Retail Agreement

This Agreement ("Agreement") is made between PreCash Corporation, an Oregon
corporation with its principal business address at 1800 West Loop South, Suite
700, Houston, TX 77027 ("PreCash") , and Q Comm International, Inc., a Utah
corporation with its principal business address at 1145 South 11680 West, Orem,
Utah 84058 ("Q Comm").

                                    RECITALS

         WHEREAS, PreCash has developed a payment system (the PreCash(R) Payment
System) that it markets under the registered trademark PreCash, using
ANSI-standard, magnetic-striped cards denominated PreCash Cards, that enable
cardholders to deposit funds (by cash, check, credit or debit card) at a point
of sale, into various electronic accounts maintained by card issuers, such as
prepaid wireless accounts;

         WHEREAS, Q Comm desires to process electronic payment transactions for
PreCash Cardholders at designated retail locations.

         NOW THEREFORE, for the good and sufficient consideration contained
herein, the parties agree as follows:

                                    AGREEMENT

1. Definitions

"Authorized PreCash Transaction" means a PreCash Transaction for which PreCash
has issued an authorization number, and for which no subsequent reversal request
was processed within the time period permitted in the Training Materials.

"Month" or "Quarter," wherever used in this Agreement, whether capitalized or
not, means that period commencing at 12:00 a.m. Pacific on the first day of the
month/quarter and ending at 11:59:59 p.m. Pacific on the last day of the
month/quarter.

"POS System" means the point-of-sale terminal or computer system used by Q Comm
to process PreCash Transactions.

"PreCash Cardholder" or "Cardholder" means a customer of a PreCash Card Issuer
who has associated a PreCash Card account number with a service account
maintained by the PreCash Card Issuer, for the purpose of replenishing funds to
the service account.

"PreCash Card Issuer" means a service provider that accepts payments to customer
accounts via the PreCash Payment System. The service provider's customers use
PreCash Cards to make payments to their accounts. Those customers are referred
to as "PreCash Cardholders." From time to time, PreCash may also serve as a
PreCash Card Issuer.

PreCash Confidential                                                    Page 1
<PAGE>

"PreCash Funds" means the dollar value of Authorized PreCash Transactions for
the relevant time period as measured by PreCash's records of successful/approved
transactions originating from the Q Comm Merchants. With respect to a particular
PreCash Transaction, the PreCash Funds equal the dollar value of the
transaction, not including taxes or convenience fees applied by Q Comm.

"PreCash Services" means the collection of payments from PreCash Cardholders,
the processing and transmission of electronic messages to PreCash that enable
PreCash to apply the payments of PreCash Cardholders to various accounts
maintained by PreCash Card Issuers, and the transmission of collected payments
to PreCash.

"PreCash Transaction" means: (a) obtaining payment from a PreCash Cardholder in
the amount consistent with any PreCash Card Issuer program requirements (the
"Payment Amount"), (b) swiping the PreCash Card or entering the card number and
expiration date through the POS System, (c) generating and sending an electronic
message to PreCash's computers to allow validation and recording of the Payment
Amount, and (d) providing a receipt (in a form approved by PreCash) to the
Cardholder.

"Q Comm Merchants" means those merchants that have a payment processing
relationship with Q Comm only at Advantage Wireless corporate owned stores or
Advantage Wireless authorized agents, whether such relationship exists currently
or after the effective date of this Agreement.

2. Q Comm Obligations

     2.1 PreCash Services

         2.1.1 In General. Q Comm shall provide PreCash Services at its Q Comm
Merchants during normal business hours, and without discrimination, to all
PreCash Cardholders. Q Comm shall ensure that PreCash is continually and
reasonably informed of any adds, moves or changes to the Q Comm Merchants.
Unless otherwise required by applicable law, the Q Comm Merchants shall not
require Cardholders to present any additional form of identification in order to
honor the PreCash Card, but may require identification to accept payment in the
form of a check or credit/debit card, in accordance with the Q Comm Merchants'
standard procedures.

         2.1.2 Authorization; Transaction Record. When processing a PreCash
Transaction, Q Comm shall:

         o Submit an authorization request to PreCash through the POS
           System and complete a transaction only upon receipt of an
           authorization number;
         o Deliver a true and complete copy of a transaction
           acknowledgement to the Cardholder containing the following
           information:
           (i)   the Cardholder's account number;
           (ii)  an authorization code;
           (iii) Store's name;
           (iv)  Store's location (including store number, if any, and
                 address);
           (v)   the amount of the transaction;

PreCash Confidential                                                    Page 2
<PAGE>

           (vi)   the local date and time of the transaction;
           (vii)  a PreCash identifier; and,
           (viii) if the PreCash Transaction is a Taxable Sale, the
                  Store shall deliver to the Cardholder a true and
                  complete copy of a receipt for the Tax;
         o Comply with the Training Materials. The Training Materials may
           be amended from time to time by PreCash in its sole
           discretion, and are incorporated herein and made a part of
           this Agreement by reference. The portion of the Training
           Materials relating to Taxable Sales is attached hereto as
           Exhibit B, which Exhibit shall be deemed to be automatically
           amended and superceded concurrently with any amendment to the
           Training Materials.

Q Comm shall not permit stand-in or delayed processing. Q Comm shall not process
PreCash Transactions through voice authorizations without prior approval from
PreCash.

         2.1.3 Accuracy of PreCash Transactions. Q Comm is responsible for
ensuring the accuracy of all PreCash Transactions transmitted to PreCash for
authorization. Q Comm shall indemnify and hold PreCash harmless from any claims
arising from inaccurate, invalid or fraudulent transactions recorded by PreCash
as a result of errors, fraud or other misuse committed by Q Comm or others
within the Q Comm's control. Authorized PreCash Transactions may only be
reversed within the ten (10) minute window following the time at which PreCash
issued the authorization number.

         2.1.4 Taxable Sales. Certain PreCash Transactions are classified as
Taxable Sales in the detailed instructions for processing PreCash Transactions
that are provided to the Q Comm Merchants by PreCash (such instructions, as
amended from time to time hereafter, "Training Materials"), the relevant portion
of which Training Materials is attached hereto as Exhibit B. Before providing
PreCash Services for Taxable Sales, Q Comm shall insure that the Q Comm
Merchants comply with the requirements described in this Section and Section
2.1.5 following. The Q Comm Merchants shall treat each Taxable Sale as a
wholesale purchase by the Store from the applicable PreCash Card Issuer in
exchange for the Payment Amount, immediately followed by a retail sale by the
Store to the Cardholder. With respect to each PreCash Transaction which is a
Taxable Sale, the Store shall provide the following additional PreCash Services,
all in accordance with applicable law: (a) computing the state and local sales,
use, excise and other similar transaction taxes which The Store is required or
permitted to collect from the Cardholder with respect to the Taxable Sale
(collectively, the "Tax"), (b) collecting the Tax from the Cardholder, (c)
reporting and remitting the Tax to the applicable taxing authorities, and (d)
providing the Cardholder with a receipt for the Tax. The Store shall be solely
responsible for reporting all Taxes due and owing by it to the proper taxing
authorities and shall be responsible for, and shall pay, such Taxes in
accordance with applicable law.

         2.1.5 Resale Exemption Evidence. Before performing any PreCash Services
for Taxable Sales with respect to the PreCash Card Issuer(s) designated in
Exhibit B, Q Comm shall deliver to such PreCash Card Issuer the resale
certificate, direct-pay number, or other evidence, if any ("Resale Exemption
Evidence"), which is required by applicable law to permit the PreCash Card
Issuer to effect Taxable Sales to Cardholders through Q Comm without collecting
Tax from Q Comm. Q Comm shall renew any Resale Exemption Evidence as required by
law from time to time and deliver the renewed evidence to each applicable
PreCash Card Issuer. If Q Comm fails to deliver Resale Exemption Evidence to any
PreCash Card Issuer, or to timely deliver renewed Resale Exemption Evidence,
then PreCash shall suspend the authority of Q Comm to process Taxable Sales with
respect to such PreCash Card Issuer.

PreCash Confidential                                                    Page 3
<PAGE>

     2.2. Transfer of Funds from Q Comm to PreCash

         2.2.1 Transfer. The PreCash Funds shall be the property of PreCash
immediately upon receipt by Q Comm. Q Comm shall transfer the PreCash Funds into
the bank account identified on Exhibit A hereto (the "Q Comm Deposit Account")
so as to ensure adequate funds availability for the debit transaction detailed
in Section 2.2.2 below. If the PreCash Transaction is a Taxable Sale, the Tax
shall not be the property of PreCash and shall not be transferred to the Q Comm
Deposit Account; rather, the Tax shall be handled in accordance with Section
2.1.4 above.

         2.2.2 ACH Debit; Recording Period. Q Comm authorizes PreCash to debit
the PreCash Funds from the Q Comm Deposit Account. PreCash shall calculate the
amount to be debited based on PreCash's record of PreCash Transactions completed
successfully during the 24-hour period ending at 3 p.m. Pacific time each
business day and each vacation or weekend day preceding the next business day
("Recording Period"). PreCash shall initiate a debit request through the
Automated Clearing House ("ACH") on each business day that ACH is operational
and shall debit the Q Comm Deposit Account for the Authorized PreCash
Transactions recorded--at the earliest--during the previous Recording Period.
PreCash shall provide Q Comm with an Internet-based account summarizing each
Recording Period. Q Comm may verify the amount debited by PreCash by accessing Q
Comm Reports via the Internet.

         2.2.3 Fees for Non-Sufficient Funds. If the Q Comm Deposit Account has
insufficient funds to permit PreCash to debit all amounts due to PreCash,
including PreCash Funds and Processing Fees, PreCash may immediately suspend,
without prior notice, Q Comm's ability to process PreCash Transactions and
charge Q Comm a $10 processing fee for each PreCash Transaction for which
amounts are due to PreCash, with a daily minimum of $25. To reinstate PreCash
Transaction processing, Q Comm shall remit funds owed to PreCash within three
(3) business days of suspension, including fees owing as a result of
insufficient funds, via wire transfer. After PreCash receives the amounts owed
to it, PreCash may, in its sole discretion, reinstate Q Comm's ability to accept
PreCash Cards, in accordance with Section 2.2.4 below. If Q Comm fails to remit
the funds pursuant to this Section 2.2.3, PreCash may terminate this Agreement
immediately upon written notice.

         2.2.4 Security. Prior to reinstatement, PreCash may require Q Comm to
provide a non-interest bearing security deposit or other security mechanism
acceptable to PreCash, in its sole and reasonable discretion. The security
deposit or other mechanism to ensure payment shall contain an amount of funds
specified by PreCash and reasonably related to Q Comm's historical and projected
transaction volume; Q Comm shall maintain the security deposit at such level
throughout the remainder of the term of this Agreement, unless earlier released
by PreCash. PreCash may withdraw funds from such security deposit at any time
without notice to Q Comm in the amount of any obligation of Q Comm to PreCash
hereunder. Upon termination of this Agreement, the security deposit or other
mechanism shall remain in effect for three months, at the end of which all
remaining funds will be returned to Q Comm.

PreCash Confidential                                                    Page 4
<PAGE>

          2.2.5 Debit Verification Process; Notice. Q Comm shall provide PreCash
oral notice, with confirmation by written notice, of any discrepancies in the
amount that PreCash withdraws from the Q Comm Deposit Account within three
business days of PreCash's debit through the ACH network. Q Comm shall provide
acceptable supporting documentation to PreCash within five business days after
notice of a discrepancy is received. If Q Comm fails to provide the required
notices, Q Comm irrevocably waives all claims against PreCash for any disputed
withdrawal. If PreCash determines the source of the discrepancy to be as a
result of a processing error by PreCash, PreCash will submit reimbursements the
next business day for posting to the Q Comm's account.

     2.3 Team Merchandising. Q Comm shall use commercially reasonable efforts to
engage in "Team Merchandising" activities with PreCash for the
mutually-beneficial purpose of increasing the number of PreCash Transactions
processed at Q Comm's Q Comm Merchants. The nature and extent of such efforts
shall be subject to mutual agreement of the parties.

3. PreCash Obligations

     3.1 PreCash Cardholder Support. PreCash shall cause PreCash Card Issuers to
provide telephone-based customer service to handle Cardholder problems or
complaints relating to the underlying prepaid services supported by the PreCash
Transactions.

     3.2 Account Management. PreCash shall assign sufficient resources to ensure
that Q Comm's inquiries relating to PreCash Services are handled promptly and
effectively.

     3.3 Training. PreCash shall provide "train the trainer" support so as to
assist Q Comm with properly and sufficiently training its employees on the
processing of PreCash Transactions.

     3.4 IVR Locator. PreCash has developed an IVR (interactive voice response)
system capable of providing PreCash Cardholders with access to PreCash refill
locations within a designated five-digit zip code. PreCash Cardholders access
the IVR system by telephone: upon connecting with the IVR system, the PreCash
Cardholder enters the desired zip code and the IVR system returns a list of five
PreCash refill locations in that zip code or the nearest zip code(s). The
technical specifications and parameters for the IVR system were created in
cooperation with PreCash Card Issuers and are subject to change.

     3.5 Marketing Support. PreCash shall provide in-store marketing collateral,
such as window, terminal and door decals, banners, counter or stand-alone
displays, in an amount and type reasonably determined by PreCash. The marketing
collateral may be co-branded with PreCash Card Issuers. Any co-branding between
PreCash and Q Comm or Q Comm and a PreCash Card Issuer will be subject to a
separate agreement or understanding on cost-sharing.

     3.6 Facilitate Relationships with PreCash Card Issuers. In the event Q Comm
desires to enter into promotional activities with PreCash Card Issuers or
otherwise obtain access to the customer base of the PreCash Card Issuers in
furtherance of the purposes of this Agreement, PreCash agrees to facilitate a
meeting between Q Comm and the PreCash Card Issuer(s). PreCash shall also
facilitate communications between Q Comm and PreCash Card Issuers regarding
distribution and pricing of an inventory of PreCash Cards.

PreCash Confidential                                                    Page 5
<PAGE>

     3.7 Team Merchandising. PreCash shall use commercially reasonable efforts
to engage in "Team Merchandising" activities with PreCash for the
mutually-beneficial purpose of increasing the number of PreCash Transactions
processed at Q Comm's Q Comm Merchants. The nature and extent of such efforts
shall be subject to mutual agreement of the parties.

4. Compensation to Q Comm

     4.1 PreCash reserves the right to review, within six (6) months of the
Effective Date of this Agreement, the total fees being assessed to Q Comm
merchants by Q Comm and other parties.

     4.2 Q Comm Merchants may charge the Cardholder a non-discriminatory fee
("Convenience Fee") at the time of the completed transaction. The Convenience
Fee may not be deducted from the Payment Amount or any Tax; rather, it should be
collected separately and in addition to, the Payment Amount and any Tax. This
Convenience Fee shall not be included in the PreCash Funds Q Comm is required to
transfer to PreCash under Section 2.2. So that Cardholders may be ensured at
least a minimal level of consistency among Q Comms processing PreCash
Transactions, the Convenience Fee may not exceed $5.00 per transaction.

5. Compensation to PreCash

     Processing Fee. PreCash shall collect from Q Comm--each banking business
day via ACH to the Q Comm Deposit Account)--a fee of $1.00 for every Authorized
PreCash Transaction ("Processing Fee").

6. Point-of-Sale System and other Technical Requirements

     6.1 POS System. At all times, Q Comm is responsible for ensuring that it
has an adequate POS System solution for meeting its obligations to process
PreCash Transactions in accordance with this Agreement. Subject to any
modifications required pursuant to Section 6.2, Q Comm may process PreCash
Transactions on the POS System that Q Comm currently uses to process bank card
transactions. Alternatively, Q Comm may utilize a stand-alone POS System
solution provided by third-party terminal provider, through a separate agreement
between Q Comm and such provider.

     6.2 Initial POS System Modifications. If Q Comm's bank card processor
supports PreCash Services on its existing POS System, Q Comm may use that POS
System to process PreCash Transactions. If Q Comm's POS System does not support
PreCash Services, PreCash, in cooperation with Q Comm, shall evaluate what
modifications are required to the POS System or by Q Comm's bank card processor
to support the processing of PreCash Transactions. PreCash and Q Comm shall use
commercially reasonable efforts to enable PreCash Transactions to be accepted on
Q Comm's POS System. Each party shall bear its own costs associated with such
modifications.

PreCash Confidential                                                    Page 6
<PAGE>

     6.3 Post-Initial POS System Modifications. Once PreCash Services are
functional, Q Comm shall be responsible for ensuring that its POS System and
associated software continually conform to the requirements established by
PreCash (the "Technical Requirements"). Q Comm shall give PreCash thirty (30)
days advance written notice of: (a) any modifications to the POS System or
software impacting PreCash, or (b) its intent to change Q Comm's POS System or
bank card processor, if such change would impact PreCash. PreCash shall give Q
Comm thirty (30) days advance written notice of any material changes to the
Technical Requirements. Q Comm and PreCash shall use commercially reasonable
efforts to ensure that the processing of PreCash Transactions is not interrupted
by either party's modifications or changes.

     6.4 Service Interruptions. Q Comm shall inform PreCash immediately if the
POS System is unable to process PreCash Transactions. Upon notification, PreCash
shall use commercially reasonable efforts in cooperation with Q Comm and Q
Comm's bank card processor to remedy any functionality problems.

7. Implementation Schedule

     7.1 Pilot. Within two weeks of the completion and successful testing of the
POS System, the parties will conduct a Pilot involving at least 21 Q Comm
Merchants. The Pilot will be conducted during a two-week period, during which
the parties will use best efforts to resolve all identified issues. The Pilot
may be extended upon the mutual agreement of the parties.

     7.2 National Launch. Within thirty (30) days following the completion of
the Pilot, Q Comm shall use best efforts to ensure that all Advantage Wireless
Merchants (1) are technically capable of processing PreCash Transactions and (2)
have received adequate training with respect to the appropriate procedures for
processing PreCash Transactions.

8. Trademark Usage

     8.1 PreCash Marketing Materials. As further detailed in Section 3.5 above,
PreCash shall provide Q Comm with window, door and terminal decals and
additional materials bearing the PreCash logo (the "Point of Purchase
Materials"). Q Comm shall display the Point of Purchase Materials alongside the
marks of other credit cards or payment processing mechanisms that Q Comm
accepts. Q Comm shall not create or display any other decal, sticker or other
material bearing the PreCash name or logo without prior written approval from
PreCash. Q Comm shall not display or use advertising or promotional materials
containing PreCash's name or symbol that might cause a customer to assume that Q
Comm is the only provider of PreCash Services. Q Comm shall use the Point of
Purchase Materials, any trade name, trademark, service mark or logotype
associated with PreCash or PreCash only to inform the public that Q Comm
provides PreCash Services. Q Comm shall not indicate, directly or indirectly,
that PreCash endorses Q Comm's other products or services. Upon termination of
this Agreement, Q Comm shall immediately cease use of the Point of Purchase
Materials.

PreCash Confidential                                                    Page 7
<PAGE>

     8.2 Trademarks and Logos. Except for any announcement intended solely for
internal distribution or any disclosure required by law, accounting or
regulatory requirements beyond the reasonable control of either party, any use
by one party of the other party's name, logos, trademarks or service marks in
any press releases, customer lists, marketing materials or other announcements
or materials concerning matters covered by this Agreement or otherwise, or for
promotional, advertising or other purposes, shall require the other party's
prior written approval which approval shall not be unreasonably withheld or
delayed. The foregoing limitation shall not apply to communications or written
materials provided subject to a non-disclosure agreement with a third party.

9. Representations and Warranties.

     9.1 Q Comm hereby represents and warrants to PreCash that: (a) all
information contained in Q Comm's application for processing services or any
other documents delivered to PreCash in connection therewith is true and
complete and properly reflects Q Comm's business, financial condition and
principal partners, owners or officers; (b) Q Comm has the power to execute,
deliver and perform this Agreement, and this Agreement is duly authorized, and
will not violate any provisions of law, or conflict with any other agreement to
which Q Comm is subject; (c) Q Comm has all licenses, if any, required to
conduct its business and is qualified to do business in every jurisdiction where
it is required to do so; and (d) there is no action, suit or proceeding at law
or in equity now pending or to Q Comm's knowledge, threatened by or against or
affecting Q Comm which would substantially impair its right to carry on its
business as now conducted or adversely affect its financial condition or
operations.

     9.2 PreCash hereby represents and warrants to Q Comm that: (a) PreCash has
the power to execute, deliver and perform this Agreement, and this Agreement is
duly authorized, and will not violate any provisions of law, or conflict with
any other agreement to which PreCash is subject; (b) PreCash has all licenses,
if any, required to conduct its business and is qualified to do business in
every jurisdiction where it is required to do so; and (d) there is no action,
suit or proceeding at law or in equity now pending or to PreCash's knowledge,
threatened by or against or affecting PreCash which would substantially impair
its right to carry on its business as now conducted or adversely affect its
financial condition or operations.

10. Confidentiality.

     10.1 Each party agrees that information disclosed by one party under this
Agreement (the "Disclosing Party") to the other party (the "Receiving Party"),
including pricing, marketing plans, plans, methodology, technology, customer
information and/or software, which information is considered proprietary by the
Disclosing Party, shall be considered Confidential Information under this
Agreement.

     10.2 A Receiving Party shall not disclose the Disclosing Party's
Confidential Information to any third party without the Disclosing Party's prior
written consent, except under order of court or government agency, and then only
if the Receiving Party gives timely notice of such order to the Disclosing Party
to afford such Disclosing Party the opportunity to attempt to obtain a
protective order. Each party agrees to exercise the same level of care in
protecting the Confidential Information of the other party from unauthorized use
and disclosure as it uses in connection with its own Confidential Information,
but in no event less than reasonable care.

PreCash Confidential                                                    Page 8
<PAGE>

     10.3 Confidential Information will not include information that is (i)
publicly available, (ii) in the Receiving Party's lawful possession prior to the
Effective Date and not subject to disclosure restrictions on the part of the
Receiving Party, (iii) obtained by the Receiving Party from third parties
without disclosure restrictions known to the Receiving Party, or (iv)
independently developed by the Receiving Party without reference to the
Disclosing Party's Confidential Information.

11. Term and Termination.

     11.1 Term. This Agreement will commence on its Effective Date and will
continue for one(1) year- from the date a PreCash Cardholder processes the first
Authorized PreCash Transaction (excluding any test transactions by PreCash
employees), as confirmed by PreCash's transaction records.. Thereafter, it will
automatically renew for successive one-year terms, unless either party gives
written notice of nonrenewal not less than sixty (60) days prior to the end of
the then-existing term.

     11.2 Termination for Cause. Except for such shorter notice as may otherwise
be provided in this Agreement, either party may terminate this Agreement at any
time, with Cause, upon thirty (30) days' written notice to the other. For
purposes of this Agreement, "Cause" shall mean a party's failure to comply with
any provision of this Agreement or any other negligent or willful act or
omission relating to this Agreement, which the party fails to cure within the
thirty (30) day written notice period referred to in the previous sentence.

     11.3 Post-Termination Obligations. All of Q Comm's payment obligations to
PreCash under this Agreement will survive any termination or expiration of this
Agreement, as will all of Q Comm's obligations with respect to Taxes. Upon any
termination hereof, Q Comm shall (a) immediately cease use and return any
inventory of PreCash-related marketing collateral to PreCash, (b) allow PreCash
to remove PreCash's software application from Q Comm's POS Systems, and (c)
inform its processor that it no longer processes PreCash Transactions.

12. Requests for Copies; Compliance with Laws

         If, in order to satisfy legal or regulatory obligations or otherwise
respond to questions concerning Cardholder accounts or Taxes, PreCash or any
PreCash Card Issuer requests from Q Comm paper transaction records, a legible
microfilm or electronic copy thereof (in size comparable to the actual paper
transaction records), and/or any other documentary evidence available to Q Comm,
Q Comm shall provide the requested records within five (5) calendar days of
receipt of PreCash's or such PreCash Card Issuer's request. Q Comm shall comply
with all laws applicable to Q Comm, Q Comm's business and any PreCash
Transaction, including, without limitation, all state and federal, consumer
credit and consumer protection statutes and regulations.

PreCash Confidential                                                    Page 9
<PAGE>

13. Credit Checks

     Q Comm authorizes PreCash to conduct credit checks and to collect other
customary and relevant information to verify the Q Comm's creditworthiness
during the term of this Agreement. Q Comm hereby agrees that the ability to
process PreCash Transaction on behalf of PreCash granted by this Agreement,
constitutes a valid reason to inquire into the creditworthiness of Q Comm. If
found uncreditworthy, Q Comm will be required to establish a security deposit or
acceptable letter of credit. Failure to do so will give rise to an immediate
termination right by PreCash.

14.      Indemnification; Limitation of Liability

     14.1 Indemnification. PreCash and Q Comm each shall defend, indemnify and
hold the other harmless from any claim for personal injury or property damage
connected with this Agreement that may be asserted against the indemnitee by
third parties based on the breach of this Agreement, negligence or willful
misconduct of the indemnitor. If such claim arises from the joint negligence or
misconduct of PreCash and Q Comm, each party shall indemnify the other in
proportion to its proportionate negligence or misconduct. With respect to
Taxable Sales, Q Comm further agrees to hold PreCash and each PreCash Card
Issuer harmless from, and indemnify PreCash and each PreCash Card Issuer against
all claims, losses, damages and liabilities, including Tax, interest, penalties,
additions to Tax, attorney's fees and other costs of defense, that relate to or
result from any alleged violation by Q Comm of any applicable law or regulation
or provision of this Agreement with respect to any Tax, Taxable Sales or Resale
Exemption Evidence.

     14.2 No Special Damages. Except as otherwise expressly set forth in this
Agreement, neither party shall be liable to the other party for indirect,
special, incidental, punitive or consequential damages, even if such party has
been notified of the possibility or likelihood of such damages.

     14.3 Disclaimer of Additional Warranties. NEITHER PARTY MAKES ANY
REPRESENTATIONS OR WARRANTIES OTHER THAN THOSE EXPRESSLY STATED HEREIN. EACH
PARTY HEREBY DISCLAIMS AND NEGATES ANY AND ALL OTHER WARRANTIES, INCLUDING ANY
WARRANTIES OF Q COMMABILITY OR FITNESS FOR A PARTICULAR PURPOSE, NONINFRINGEMENT
OF INTELLECTUAL PROPERTY, OR THAT SERVICES WILL BE PERFORMED IN A WORKMANLIKE
MANNER. SUCH ADDITIONAL WARRANTIES ARE HEREBY DISCLAIMED AND DENIED FOR ALL
PURPOSES.

     14.4 Force Majeure. Neither party shall be liable for any delay in or
failure of performance under this Agreement resulting from events beyond its
reasonable control, including but not limited to the following: hurricanes,
tornadoes, floods, fires, explosions, epidemics, power failures, communication
system failures, strikes, riots, wars or civil insurrections, acts of God,
governmental regulations or laws imposed after the Effective Date, and so forth;
provided, however, that a party subject to any such force majeure shall promptly
give the other written notice thereof and shall use reasonable efforts to remove
or rectify any such force majeure.

PreCash Confidential                                                    Page 10
<PAGE>

15. Intellectual Property Rights

     15.1 Any intellectual property which is owned or controlled by either party
to this Agreement prior to the Effective Date of this Agreement or which is
acquired by a party independently of this Agreement shall at all times continue
to be owned and/or controlled by said party.

     15.2 Any intellectual property which is developed in the course of the
performance of this Agreement solely by the employees and/or agents of one of
the parties hereto shall be and remain the property of that party. The term
solely is used narrowly in the preceding sentence to mean development without
reference whatsoever to any Confidential Information of the other party;
otherwise such intellectual property shall be deemed jointly developed and shall
be subject to the foregoing paragraph.

     15.3 In the event either party deems it necessary to undertake joint
development efforts (including efforts requiring use of the Confidential
Information of the other party), the parties agree to negotiate in good faith a
separate agreement addressing each parties' respective obligations and rights
with respect to such joint efforts and resulting joint intellectual property.
Unless otherwise agreed in writing by the parties, neither of them will commence
efforts on any such joint projects prior to the execution of the separate
agreement required by this provision.

16. Miscellaneous.

     16.1 Amendment and Modification. This Agreement may not be amended,
modified, superseded or canceled and none of the terms, provisions, covenants,
representations, warranties or conditions may be waived, except by a written
instrument executed by the parties, or in the case of waiver, by the party
waiving compliance. Notwithstanding the foregoing, PreCash may modify the
general terms relating to its PreCash transaction process so long as such
modifications apply to all PreCash Q Comms, upon fifteen (15) days' prior
written notice to Q Comm. Q Comm's continued processing of PreCash Transactions
shall constitute acceptance of the new term(s).

    16.2 Assignment. Neither party may, without the prior written consent
of the other party, assign or transfer this Agreement or any duty or obligation
expressed herein, except by merger, reorganization, consolidation or sale of all
or substantially all of such party's assets. Any attempt to do so in
contravention of this Section 16.2 shall be void and of no force and effect.

     16.3 Compliance with Laws. Both parties agree to comply with all applicable
federal, state and local laws, regulations and codes in the performance of this
Agreement.

     16.4 Construction. Both parties have had the opportunity to review and
revise this Agreement; no ambiguity should be construed in favor of or against
either party based on which suggested the language. The headings and
organization used herein are solely for convenience and shall not be used to
construe the Agreement. Unless the context otherwise requires, use of the
singular includes the plural and vice versa.

PreCash Confidential                                                    Page 11
<PAGE>

    16.5 Counterparts. This Agreement may be executed in as many
counterparts as may be required and each such counterpart shall be considered an
original but all of which when taken together shall constitute but one and the
same instrument.

     16.6 Entire Agreement. The parties intend that the terms of this Agreement,
including any attached exhibits and addenda, shall be the final expression of
their agreement with respect to the subject matter hereof and may not be
contradicted by evidence of any prior or contemporaneous agreement. The parties
further intend that this Agreement shall constitute the complete and exclusive
statement of its terms and that no extrinsic evidence whatsoever may be
introduced in any judicial, administrative or other legal proceedings involving
this Agreement.

     16.7 Exclusivity. Q Comm agrees that during the term of this Agreement,
PreCash's PreCash Payment System shall be the exclusive method accepted by Q
Comm for processing prepaid transactions. This provision is not intended to
prohibit Q Comm's sale of pre-denominated prepaid card or other prepaid
technologies.

     16.8 Governing Law. This Agreement is governed by and will be construed in
accordance with the laws of the State of Delaware, exclusive of its choice of
law provisions.

     16.9 Independent Contractor. Neither party hereto will be deemed the agent
or legal representative of the other for any purpose whatsoever and each party
will act as an independent contractor with regard to the other in its
performance under this Agreement. Nothing herein will authorize either party to
create any obligation or responsibility whatsoever, express or implied, on
behalf of the other or to bind the other in any manner, or to make any
representation, commitment or warranty on behalf of the other.

     16.10 Notices. All notices, demands and other communications required or
permitted hereunder shall be made in writing and shall be deemed to have been
duly given if delivered by hand or mailed, postage prepaid, certified,
registered, or first-class mail, and addressed to:

         Q Comm at:                          PreCash at:
         1145 South 1680 West                1800 W Loop South, Suite 700
         Orem, UT 84058                      Houston, TX  77027
         Attn: President                     Attn:  President

     16.11 Remedies. Unless stated otherwise, all remedies are cumulative
and in addition to any other remedies available at law or in equity.

     16.12 Severability. In the event that any portion of this Agreement may be
held invalid or unenforceable for any reason, it is agreed that any invalidity
or unenforceability shall not affect the remainder of this Agreement and the
remaining provisions shall remain in full force and effect, and any court of
competent jurisdiction may so modify any objectionable provision of this
Agreement so as to render it valid, reasonable and enforceable.

PreCash Confidential                                                    Page 12
<PAGE>

     16.13 Third-party Beneficiary. Each of PreCash and Q Comm agrees that each
PreCash Card Issuer is an intended third-party beneficiary of this Agreement,
and shall be entitled to directly enforce the rights granted to such PreCash
Card Issuer under this Agreement.

     16.14 Time of Performance.  Time is of the essence in the performance
of this Agreement.

     16.15 Waiver. No failure by either party to exercise any right arising from
a default by the other party shall impair that right or constitute a waiver of
it. No waiver by any party of any condition or breach of any term, provision,
covenant, representation or warranty, whether by conduct or otherwise, in any
one or more instances, shall be deemed to be or construed as a further or
continuing waiver of any such condition or breach, or a waiver of any other
condition, or breach of any other term, provision, covenant, representation or
warranty.

     16.16 Publicity. Subject to applicable securities regulations, the parties
will allow a mutually agreed upon press release to be distributed within 30 days
after the Effective Date of this Agreement.

                         [SIGNATURES ON FOLLOWING PAGE]

PreCash Confidential                                                    Page 13
<PAGE>

         IN WITNESS WHEREOF, the parties hereto have executed this Agreement the
day and year last written below (the "Effective Date").

         PRECASH CORPORATION:                 Q COMM INTERNATIONAL, INC.

         By: /s/ Richard Dietz                By: /s/ Stephen Flaherty
             -------------------------            -----------------------------
               (Signature)                             (Signature)

         Name: Richard Dietz                  Name:  Stephen Flaherty
             -------------------------            -----------------------------

         Title: CFO and Secretary             Title: President
             -------------------------            -----------------------------

         Date:  February 7, 2003              Date:  February  7, 2003
                ----------------------               --------------------------

PreCash Confidential                                                    Page 14
<PAGE>

                                   Exhibit A

       Authorization To Debit Account By Automated Clearing House ("ACH")

-------------------------------------------------------------------------------
NAME:    Q COMM INTERNATIONAL, INC.
-------------------------------------------------------------------------------

         PreCash will accept electronic payments for Q Comm collections through
the ACH electronic transfer system. By completing this form, you are authorizing
PreCash to debit the depository account identified below electronically for all
monies due PreCash under the PreCash Retail Q Comm Agreement. Please enter your
account and financial institution information in the spaces provided below.

Name of Financial Institution:
                              -------------------------------------------------

Branch:
       ------------------------------------------------------------------------

Branch Phone Number: (    )                 Contact Name:
                     ----------------------             -----------------------

Financial Institution Address:
                              -------------------------------------------------

City:                         State:                        Zip:
     --------------------             --------------             --------------

Depository account to debit (Checking Account No.):
                                                    ---------------------------

Financial Institution Routing No. (ABA #, always 9 digits)
-------------------------------------------------------------------------------
(For Example: 010000081)

         By signing below, the undersigned (i) represents that he/she has the
power and authority to execute this authorization on behalf of the Q Comm
identified below, and (ii) authorizes PreCash on behalf of Q Comm to debit by
ACH the above-referenced demand depository account of Q Comm electronically, on
a regular, periodic basis for funds due PreCash under the PreCash Retail Q Comm
Agreement.

     This authorization shall remain in effect at all times when the PreCash
Retail Q Comm Agreement remains effective or until such time as all outstanding
obligations of Q Comm to PreCash arising under the Agreement are paid in full,
whichever is longer.

     Signed on behalf of Q Comm this       day of                       , 2001.
                                     -----        ----------------------

                                        -----------------------------------
                                        (Signature)

                                        ------------------------------------
                                        (Print Name)

                                        ------------------------------------
                                        (Title)
PreCash Confidential                                                   Page 15
<PAGE>

                      ****Please attach a voided check****

PreCash Confidential                                                    Page 16
<PAGE>

                                    Exhibit B

             PORTION OF TRAINING MATERIALS RELATED TO TAXABLE SALES

Process definition:

As described in the Training Materials, Verizon Wireless prepaid service refill
transactions are classified as Taxable Sales. To be eligible to process these
transactions using the PreCash Card at your business location(s), you must do
the following:

1.       Use the attached state tax matrix to determine whether any of your
         business location(s) are in states that require you to collect sales
         tax for Taxable Sales. If so, you need to provide resale certificates
         that will be forwarded to and retained by Verizon Wireless. You may use
         the Uniform Sales and Use Tax Certificate - MultiJurisdiction form
         (found attached to the contract paperwork or on the Internet at
         www.mtc.gov) for any state which is listed on this form, or use the
         individual-state form published by your state's tax authorities.

2.       Include all completed resale certificates with your PreCash Retail Q
         Comm Agreement paperwork. Note: If applicable, Verizon Wireless will
         contact you for renewal of the tax exemption certificate.

3.       If you have any questions about your state's policy on requiring sales
         tax to be collected for prepaid service refill transactions, please
         contact your local taxing authority.

4.       Return all completed paperwork to PreCash Corporation Attn: Contract
         Administration 1800 West Loop South, Suite 700, Houston, TX 77027

Please note that the only PreCash refill transaction currently classified as a
Taxable Sale is a Verizon Wireless - PreCash transaction. You may accept all
non-Verizon Wireless transactions without collecting sales tax.

PreCash Confidential                                                    Page 17

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