Document:

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                                                                    Confidential

                        LDC DIRECT DISTRIBUTION AGREEMENT

      THIS LDC DIRECT DISTRIBUTOR AGREEMENT is made and entered into this 6 day
of July, 1999 by and between LDC Direct, Ltd. Co. ("LDC") having is principal
place of business at One Buckhead Plaza, 3060 Peachtree Road, Suite 1815,
Atlanta, Georgia 30305, and Q Comm, Inc. with its principal place of business at
[Illegible] ("Distributor").

      In consideration of the mutual promises and covenants set forth herein.
the parties hereto agree as follows:

                                    ARTICLE I
                                   DEFINITIONS

      Capitalized words and phrases used in this Agreement shall have the
following meaning:

      1.1 Affiliate. Means a person, association, partnership, corporation or
joint-stock company, trust or other business entity ("Person") is an affiliate
of any other person that (i) directly or indirectly owns more than fifty percent
(50%) of the voting power of all classes of voting stock of any such Person that
is a corporation or (ii) owns more than fifty percent (50%) of the beneficial
interests in income and capital of an entity other than a corporation.

      1.2 Account. Means any Retail Dealer who agrees with and is accepted by
Distributor to sell or otherwise provide products and/or services ("Products")
using LDC's POS System.

      1.3 Blank System Cards. Means wallet-size cards (3 3/8" x 2 l/8")
consisting of thermally sensitive stock on at least one side.

      1.4 Charges. Means the charges payable by Distributor to LDC as more
specifically set forth in LDC's most recently published price list attached
hereto as Exhibit A and as updated from time to time by LDC with 60 days advance
written notice by LDC to Distributor.

      1.5 Data Element. Means any unique combination of words, numerals, codes,
personal identification numbers (PIN's) or graphics transmitted by LDC's
Processing Services from the POS System's Server to any one or group of specific
POS System Equipment terminals and which, separately or in combination,
represent the prepaid purchase of one specific Distributor's Product.

      1.6 Location. Means, with respect to each Account, each retail location at
which System Equipment is installed and activated for the purpose of issuing
Distributor's Products using LDC's POS System.

      1.7 Marks. Means the LDC Direct(TM) mark and any other trademarks, trade
names, insignia, symbols, decorative designs, or the like which LDC or its
Affiliates which LDC hereafter, in its sole discretion, grants Distributor
written authorization to use.

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      1.8 POS System. Means LDC's proprietary (patent pending) point-of-sale
activation, distribution and reporting system pursuant to which a Distributor's
Account, through the use of the System Equipment and the Processing Services
provided by LDC to Distributor, can dispense Distributor's Products at the
point-of-sale.

      1.9 Products. Means such services, which may include but are not limited
to, prepaid phone card, prepaid cellular, prepaid transit, prepaid courier,
and/or customer loyalty programs distributed by the LDC System to Retail Dealers
from Distributor.

      1.10 Processing Services. Means the provision by LDC of certain Data
Element management, dispensing and reporting services to or on behalf of
Distributor as more particularly set forth in Section 4.2 hereof in connection
with the sale of products by Accounts using LDC's POS System.

      1.11 Retail Dealer. Means any potential seller of Distributor's Products
through the use of LDC's POS System who directly or through Affiliates owns a
retail distribution business such as gas stations, convenience stores, truck
stops, or other retail stores.

      1.12 Service Provider. Means either Distributor or one or more providers
of third party services with whom Distributor contracts to provide the Data
Elements necessary for Distributor's Products to be issued through the POS
System.

      1.13 System Equipment. Means the LDC POS terminals and any other
peripheral equipment provided by LDC for use in conjunction with the POS System.

      1.14 System Supplies. Means the optional components that the Distributor
may order from LDC for use with the POS System at the additional charges as
published in the most recent LDC price list.

      1.15 Territory. Means the fifty (50) states of the United States of
America.

      1.16 Variable Data Elements. Means parts of the Data Element which vary
from one sales transaction to another, such as, PIN's, control numbers, code
numbers, tracking numbers, serial numbers, etc.

                                   ARTICLE II
                     NONEXCLUSIVE APPOINTMENT OF DISTRIBUTOR

      2.1 Distributor Appointment. LDC hereby appoints Distributor, and
Distributor hereby accepts the appointment, as a nonexclusive authorized
Distributor of LDC's POS System to Retail Dealers for the sale of Distributor's
Products in the Territory through the use of the POS System, subject to all of
the terms and conditions hereof. Distributor acknowledges and agrees that the
distribution rights granted hereunder are limited solely to the POS System and
shall not apply to any other products or services subsequently released by LDC
unless mutually agreed by the parties in writing.

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      2.2 Nonexclusive. Distributor acknowledges and agrees that LDC has the
right to and may appoint other nonexclusive authorized Distributors or agents to
sell or to market to Retail Dealers or other potential users of LDC's POS System
in any area, including areas where Distributor may be marketing the POS System
to Retail Dealers, and that LDC has the right to itself or through Affiliates to
market to Retail Dealers or other potential users of LDC's POS System in any
area, including areas where Distributor may be marketing the POS System to
Retail Dealers.

      2.3 Authorized Distributor. During the term of this Agreement, Distributor
may represent itself as an authorized Distributor of LDC's POS System; provided
that nothing herein shall be deemed to constitute Distributor as a Distributor
of any of the System Equipment independent of LDC's Processing Services and the
POS System as a whole.

                                   ARTICLE III
                     GENERAL OBLIGATIONS AND REPRESENTATIONS

      Distributor acknowledges and agrees that Distributor has read and
understands the obligations imposed by this Agreement as Distributor.
Distributor acknowledges that it has conducted an independent investigation of
the POS System and the Products that it will promote pursuant hereto.
Distributor recognizes that entity into the prepaid services business and the
marketing of the POS System as a Distributor of LDC involves business risks and
that Distributor's success in such business will depend primarily upon its
abilities and efforts. LDC expressly disclaims the making of, and Distributor
acknowledges that it has not received or relied upon, any guaranty, express or
implied, as to the amount of compensation or other revenue that it may earn as a
result of its relationship with LDC.

                                   ARTICLE IV
                          SYSTEM EQUIPMENT AND SERVICES

      4.1 Ordering and Delivery of System Equipment. LDC will provide
Distributor with System Equipment and Processing Services in order to enable
Distributor or Distributor's Accounts to sell and distribute prepaid Products as
follows:

            A. Distributor may purchase the System Equipment and Processing
Services from LDC at the rates and terms shown on the most current price list
published by LDC. LDC may periodically modify their published price list for
System Equipment and Transaction Fees upon sixty (60) days prior written notice
to Distributors. All orders by Distributor require a written purchase order or
similar documentation and are subject to acceptance and acknowledgment by LDC.
LDC's prices are exclusive of all applicable taxes. Distributor shall pay all
taxes associated with the sale and delivery of all System Equipment, except for
taxes based on LDC's income, including collection costs, penalties and interest,
if any, associated with such taxes. If claiming a tax exemption, Distributor
must provide LDC with valid tax exemption certificates;

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            B. After addition of any new Location, LDC will ship LDC's then
standard package of System Equipment and any requested System Supplies to
Distributor, or, at Distributor's request and at an additional charge for drop
shipments as shown in LDC's most recently published price schedule, directly to
the uninstalled Location of Distributor's Account, together with any
installation and set-up instructions necessary to enable Distributor or
Distributor's Account to install and activate the System Equipment in order to
permit the use the POS System. Distributor shall pay all shipping and handling
charges at LDC's then-current rates;

            C. Distributor or Distributor's Account has a period of thirty (30)
days after receipt of the System Equipment within which to notify LDC in writing
of any defects or discrepancies in the shipment;

            D. All System Equipment delivered to the Location will be
pre-programmed with LDC's proprietary software (the "Software") necessary to
activate the System Equipment and use the POS System and will contain a
pre-programmed toll-free number which will enable the System Equipment to
automatically call LDC's host computer (the "Server"); and

            E. Upon request, LDC will supply Distributor or Distributor's
Account with supplies of Distributor's Products previously delivered to LDC by
Distributor, and any other supplies required for use with LDC's POS System which
LDC then provides at LDC's then current prices for such supplies.

      4.2 Processing and Support Services To Be Provided By LDC. To enable each
Distributor Account to use the POS System, LDC will also provide the following
support services:

            A. LDC will provide a toll-free operations support line available
seven (7) days per week, twenty-four (24) hours per day for assistance to
Distributor with POS System failure and other support needs of the Distributor
related to the operation of the System Equipment.

            B. LDC will provide a toll-free customer service number for product
set-up and initial activation of System Equipment from Monday through Friday,
9:00 AM to 4:00 PM, Eastern Time.

            C. LDC will maintain a Server computer and related equipment with
sufficient capacity and redundancy to handle the system-level data exchange
necessary for the POS System to originate and refresh the Data Elements in the
System Equipment at each Location and for the POS System to track sales and
related transaction data at each Location.

            D. LDC will, through its Server, manage and dispense to Distributor
Accounts Data Elements provided by Distributor to LDC as set forth below. As
Part of LDC's Data Element management services, LDC and Distributor will
establish a mutually agreeable method consistent with then-current operation of
the POS System without modification to replenish the Variable Data Elements in
each Distributor's Account in a timely fashion and in such a manner as to assure
Distributor Accounts uninterrupted operation of the POS System and the
replenishment of such Variable Data Elements will be the responsibility of
Distributor.

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            E. At the time of sale at a Location, the appropriate Data Element,
including any Variable Data Elements, will be printed by the System Equipment in
a format pre-designed by Distributor. LDC's standard policy on format designs
and minimum quantities shall apply.

            F. LDC will make certain standard types of retail reports, as most
currently published by LDC, available to Distributor by electronic interchange
or on a monthly disk at no charge for such reports; and

            G. LDC will provide Distributor access to Distributor's data files
resident on LDC's Server via the Internet using Distributor's authentication
codes that will allow Distributor to view electronically the most recent safes
information related to Distributor Account sales (updated at least two times per
week) as part of the standard Transaction Fee, or more frequently at an
additional charge as currently published by LDC.

      4.3 Covenants of Distributor. Distributor agrees that Distributor will:

            A. Provide LDC with Data Elements and Variable Data Elements in
accordance with LDC's POS System requirements as from time to time modified by
LDC to Distributor.

            B. Provide LDC with the Variable Data Elements on a timely basis in
order to assure that the necessary quantity of Variable Data Elements is
maintained in the Server so as to order to assure the uninterrupted flow of
Variable Data Elements through the POS System to Distributor's Accounts.

            C. Establish, maintain and make available to LDC upon request a
correct and current database file using software provided by LDC for each
Distributor Account that uses the P0S System in order to assure proper operation
of the POS System reporting.

            D. Supply the necessary quantity of Blank System Cards to
Distributors Accounts in order to assure the uninterrupted flow of Products and
Data Elements through the POS System at each Distributor Account's Location,
unless otherwise agreed to in writing between LDC and Distributor. In all cases,
the Distributor's Blank System Cards supplied from time to time by Distributor
to Distributor's Accounts must comply with specifications from time to time
established by LDC in order to assure that such Distributor's Products work
properly with the System Equipment to assure proper operation of the POS System.
Distributor shall provide LDC with twenty (20) Blank System Cards to test and
approve prior to Distributor sending such cards to Distributor Accounts. Blank
System Cards shall be provided to Distributors Accounts by and at the cost of
Distributor. LDC will upon request provide Distributor with information on
current suppliers of Blank System Cards.

            E. Assure that all Products sold by Distributor Accounts utilizing
the System Equipment are processed through the POS System.

            F. Maintain appropriate technical points of contact responsible for
management of Product pin numbers and support activities.

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            G. Not tamper with the System Equipment or Software, nor reverse
engineer or decompile or attempt to reverse engineer or decompile any system
Equipment or Software, nor allow any of its agents, employees or Accounts to do
so.

      4.4 Covenants Applicable to Distributor and Distributor's Accounts.
Distributor agrees that Distributor will, and will cause all Distributor
Accounts using the POS System through Distributor to, install and use LDC's POS
System as specified in this Agreement and any written user manuals, instruction
sheets or operating procedures from time to time established by LDC and provided
to Distributor (collectively, the "System Documentation").

                                    ARTICLE V
                           DOCUMENTATION AND TRAINING

      5.1 Documentation and Training Provided by LDC. LDC will make available
periodic one-half day training sessions in Atlanta, Georgia, or such other
location as specified by LDC, for attendance by Distributor and Distributor's
employees at Distributor's expense. At such training sessions, LDC will provide
instructions and materials regarding the installation of System Equipment at
Distributor Account Locations, processing of requests for purchase of System
Equipment and Processing Services by Distributor from LDC and communication of
billing information between LDC and Distributor. Application forms, instruction
manuals and user documentation will also be provided by LDC. Such forms, manuals
and documentation will also be maintained and periodically updated by LDC to
support all changes in procedures. LDC may from time to time develop software,
videotapes, presentation scripts and other materials to demonstrate the features
and functions of the POS System and LDC may provide such materials to
Distributor from time to time for use by Distributor in training or in sales and
marketing of the POS System under this Agreement.

      5.2 Distributor Training Program. In meeting Distributor's obligations
under this Agreement, Distributor shall train its employees, salespersons and
other personnel in the operation of LDC's POS System and System Equipment. No
Distributor employee, salesperson or other personnel are to commence the sale or
installation of LDC's POS System until such training is complete.

                                   ARTICLE VI
                            ADMINISTRATIVE PROCEDURES

      6.1 Administration. LDC may periodically prescribe various procedures to
be followed by Distributor and its salespersons in ordering System Equipment and
in the processing of information to register new Distributor Account Locations.
Distributor agrees to comply with all such procedures prescribed by LDC.
Distributor will use only those forms (hardcopy or electronic) from time to time

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required by LDC for enrolling Retail Dealers to use the POS System, and
Distributor will submit copies of all such forms or applications signed by
Distributor and by Retail Dealer to LDC within five (5) working days of
execution thereof. Distributor shall be responsible for Retail Dealer
maintaining all standard operational procedures required at the Retailer's
point-of-sale locations, i.e., making sure that the System Equipment's power
cord is properly plugged into the wall socket and that the telephone connections
are properly secured.

      6.2 Sales or Promotional Literature. LDC may from time to time provide
Distributor with sales or promotional literature that may be used by Distributor
in the marketing of the POS System to Retail Dealers under this Agreement.
Distributor agrees that all sales or promotional literature used by Distributor
in the marketing of the POS System to Retail Dealers under this Agreement and
not provided by LDC must be approved in advance by LDC in writing, and
Distributor agrees not to use or distribute any such sales or promotional
materials that have not been provided or approved by LDC.

                                   ARTICLE VII
                                   LDC CHARGES

      7.1 Payment of Charges by Distributor to LDC. In exchange for the right to
provide LDC's System Equipment to Retail Accounts and the provision of System
Supplies hereunder, Distributor agrees to pay to LDC: (a) within fifteen (15)
days after the date of any invoice for any such System Equipment and System
Supplies ordered by Distributor; or (b) any prepayment (the "Prepayment") of any
such amounts for System Equipment as may be required by LDC.

      7.2 Billing and Payment For Transaction Fees Except as otherwise provided
herein, including any attachments hereto, each month LDC will send Distributor,
at Distributor's principle business address (or such other billing address as
Distributor may notify LDC in writing), a bill for all Charges for Transaction
Fees then due and payable to LDC. All payments for such Charges are due and
payable by Distributor to LDC 30 days from the date of the invoice.

      7.3 Late Charges and Service Suspension. The amount of any Charges not
paid when due will accrue interest at a monthly rate of 1.5% from the original
date of the statement until paid. In addition, in the event that the payment of
any Charges is more than fifteen (15) days late, LDC will have the right at any
time thereafter to suspend Distributor's resale of the POS System and the
provision of LDC's services hereunder until all such past due Charges and
interest are paid in full. No such service suspension will relieve Distributor
of its obligations under this Agreement including, without limitation, its
obligation to pay Charges. The failure to pay Charges which continues for a
period of thirty (30) days or more after the due date will constitute a material
breach of this Agreement.

      7.4 Taxes. Distributor will be solely responsible for the collection and
payment to the appropriate tax authority for all excise, sales or other taxes
applicable to the retail sale of Distributor's products at Distributor's
Locations using the POS System, and LDC will have no liability or responsibility
for any such taxes.

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                                  ARTICLE VIII
                                   LDC's MARKS

      8.1 Right to Use Marks; Value of Marks. LDC hereby grants to Distributor
the right to use the Marks solely in connection with Distributor's duties under
this Agreement. Distributor acknowledges that its right to use the Marks is
derived solely from this Agreement and is limited to the right to identify
Distributor as a Distributor of LDC for the solicitation of Retail Dealers to
sell Distributor's Products through the use of LDC's POS. Distributor agrees to
comply with all rules and regulations pertaining to such Marks prescribed by LDC
from time to time during the term of this Agreement. Any unauthorized use of the
Marks by Distributor, or any use not in compliance herewith, shall constitute an
infringement of the rights of LDC and its Affiliates in and to the Marks.

      8.2 Use of Marks by Distributor. Distributor shall use the Marks with such
words qualifying or identifying the Distributor relationship of LDC and
Distributor as LDC from time to time reasonably prescribes. Distributor shall
not use the Marks as part of any corporate or trade name or with any prefix,
suffix or other modifying words, terms, designs or symbols, or in any modified
form, nor may Distributor use the Marks in connection with the sale of any
product or service other than the POS System or in any other manner not
expressly authorized by this Agreement or separately in writing by LDC.
Distributor agrees to display the Marks on stationery and other forms in the
manner prescribed by LDC, to give such notices of registration as LDC specifies
and to obtain such fictitious or assumed name registrations as may be required
under applicable law. Misuse of the Marks by Distributor may result in
termination of this Agreement.

      8.3 Modification of Marks. If it becomes advisable at any time in LDC's
sole discretion for Distributor to modify or discontinue use of any Marks or
substitute one or more additional trade or service marks to identify its
relationship with LDC or any System Equipment, Distributor agrees to comply
therewith within a reasonable time after notice thereof by LDC.

      8.4 Protection of Rights in the Marks. Distributor acknowledges the
ownership of LDC and its Affiliates in the Marks and agrees that it will not
during the term of this Agreement, or thereafter, attack the title or any rights
of LDC or its Affiliates in and to the Marks.

                                   ARTICLE IX
                              RULES AND PROCEDURES

      Distributor agrees to comply, as applicable, with all governmental rules,
and procedures applicable to the conduct of Distributor's business hereunder,
all of which shall constitute provisions of this Agreement as if fully set forth
herein. All references herein to this Agreement shall include all such rules and
procedures.

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                                    ARTICLE X
                COMPLIANCE WITH LAWS AND GOOD BUSINESS PRACTICES

      10.1 Compliance with LDC Criteria, Laws and Regulations. Distributor shall
secure and maintain in force all licenses and permits required by Distributor
and its employees in the performance of its obligations under this Agreement and
shall conduct its business in full compliance with all laws, ordinances and
regulations applicable to Distributor's business. Distributor shall notify LDC
in writing within five (5) days of the commencement of any material action, suit
or proceeding, and of the issuance of any order, writ, injunction, award or
decree of any court, agency or other governmental instrumentality, involving
Distributor or any business conducted by Distributor.

      10.2 Standards of Conduct. Distributor shall adhere to the highest
standard of honesty, integrity, fair dealing and ethical conduct in all dealings
while distributing the POS System hereunder. Distributor agrees to refrain from
any business or advertising practice which may be injurious to the business of
LDC and the goodwill associated with the Marks.

                                  ARTICLE VIIII
                       RELATIONSHIP OF LDC AND DISTRIBUTOR

      11.1 Independent Contractor Relationship. LDC and Distributor acknowledge
and agree that Distributor is an independent contractor and that the
relationship arising from this Agreement does not constitute or create a general
agency, joint venture, partnership, employment relationship or franchise between
Distributor and LDC. In all dealings with third parties, Distributor shall
conspicuously identify itself as a Distributor of LDC and otherwise as an
independent business. Distributor's sole authority under this Agreement is to
distribute the POS System to Retail Dealers, and LDC has not authorized or
empowered Distributor to execute contracts on behalf of, or to bind LDC or its
Affiliates, in any way.

      11.2 No Authority to Bind LDC. LDC shall not be obligated by or have any
liability under any agreements or representations made by Distributor that are
not expressly authorized by LDC in writing, nor shall LDC be obligated for any
damages to any person or property directly or indirectly arising out of the
business conducted by Distributor pursuant hereto, whether caused by
Distributor's negligent or willful action or failure to act.

      11.3 No Proprietary Rights to Distributor. Distributor acknowledges that
nothing herein gives it any right, title or interest in the POS System, LDC's
Software or the Marks except for Distributor's limited express rights pursuant
to Article II of this Agreement. Distributor further acknowledges and agrees
that LDC maintains exclusive ownership of the POS System, LDC's Software (both
object code and source code) and the Marks, including, without limitation, any
and all worldwide copyrights, patents, trademarks, service marks, trade names,
trade secret, proprietary and confidential information rights and other property
rights associated with the POS System, LDC's Software and the Marks.

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                                   ARTICLE IXI
                   DISTRIBUTOR'S PERSONNEL NOT LDC'S EMPLOYEES

      The parties agree that personnel employed by Distributor to perform
services under this Agreement are not LDC employees or agents and Distributor
assumes full responsibility for their acts. Personnel employed by Distributor
and subcontractors of Distributor shall be informed that they are not entitled
to the provisions of any of LDC's employee benefits. With respect to such
personnel, Distributor shall have sole responsibility for supervision, daily
direction and control. Distributor shall be responsible for worker's
compensation, disability benefits, unemployment insurance and withholding and
remitting income and social security taxes for said personnel, including
contributions from them as required by law.

                                   ARTICLE XI
                            NO TRANSFER OR ASSIGNMENT

      Neither this Agreement nor any rights or obligations hereunder may be
transferred or assigned by Distributor, directly, indirectly or by operation of
law, without the prior written approval of LDC, which may be given or withheld
in LDC's discretion. Any assignment or transfer without approval of LDC shall
constitute a breach hereof and convey no rights or interests herein.

                                   ARTICLE XIV
                        TERM OF DISTRIBUTOR RELATIONSHIP

      The term of this Agreement shall commence on the date of execution by LDC
as set forth below and shall continue until terminated by one of the parties
hereto as set forth in Article XV. This Agreement shall be effective only after
its execution by authorized officers of Distributor and LDC.

                                   ARTICLE XII
                            TERMINATION OF AGREEMENT

      15.1 Termination for Cause. In addition to other rights of termination set
forth in this Agreement, LDC shall have the right to terminate this Agreement
for cause effective upon delivery of notice of termination to Distributor, if
Distributor (or one or more of its owners or Affiliates):

            A. engages in fraud, misrepresentation, dishonesty, non-payment of
monies owed LDC pursuant to Section 7.3 hereof, or is convicted of or pleads no
contest to a felony or other crime or offense that is likely to adversely affect
the reputation of LDC or its Affiliate companies or the goodwill of the Marks;

            B. makes or attempts an unauthorized transfer or assignment of this
Agreement;

            C. fails to comply with any material provision of this Agreement,
and such failure is not corrected within thirty (30) days after written notice
of such failure to comply is delivered

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to Distributor; or fails on two or more separate occasions within any period of
six (6) consecutive months to comply with any material provision of this
Agreement, whether or not such failures to comply are corrected after notice
thereof is delivered to Distributor.

      15.2 Termination by Either Party. Either party shall have the right to
terminate this Agreement effective upon written notice to the other if:

            A.    the other party makes an assignment for the benefit of
                  creditors;

            B.    a court order under the U.S. Bankruptcy Code is entered
                  against the other party;

            C.    a trustee or receiver of a substantial part of the other
                  party's assets is appointed by a Court; or

            D.    one party gives one-hundred eighty (180) days advanced written
                  notice of termination to the other party.

                                  ARTICLE XIIII
                       EFFECT OF TERMINATION OR EXPIRATION

      16.1 Provided this Agreement is not terminated by LDC pursuant to either
Sections 15.1.A or B, if requested by Distributor, LDC will continue to provide
to Distributor Accounts in existence on the date of termination Processing
Services from the date of termination of this Agreement for six (6) months after
the termination date (the "Extended Services"); provided, however, the provision
of the Extended Services shall be subject to prompt payment of Processing Fees
and governed by the terms of this Agreement. Further, the parties may agree in
writing to extend the term of the Extended Services.

      16.2 Upon expiration or termination of this Agreement for any reason,
Distributor shall pay LDC for all Processing Services and any additional
services performed in accordance with the term of this Agreement through the
date of such expiration or termination and/or the Extended Services Period
without set off, in addition to any other amounts owed or determined to be owed
to LDC.

      16.3 Upon expiration of this Agreement or termination of this Agreement,
Distributor will have no further right to distribute or use the POS System
except as provided in Section 16.1.

      16.4 Distributor agrees that upon the expiration or termination of this
Agreement for any reason, Distributor and its Affiliates will: (a) cease using
the Marks and not thereafter use any actual or similar Marks; and will not
utilize for any purpose any actual or similar trade name, trade or service mark
or other commercial symbol or in any manner, identify itself or any business as

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associated with LDC or an Affiliate of LDC; (b) return to LDC any demonstration
terminals in Distributor's possession and all advertising and marketing
materials, forms, Marks or otherwise identifying or relating to LDC's POS System
business; and (c) comply with the provisions of this Agreement which survive
termination hereof.

                                  ARTICLE XIVI
                    EXCLUSIVE WARRANTIES AND LIABILITY LIMITATIONS

      17.1 System Equipment. LDC warrants that each LDC POS terminal will be
free from defects in workmanship and materials for one (1) year after the date
of first use of the LDC POS terminal by the Account to whom the terminal is
delivered. LDC makes no warranty as to third party equipment or products
included with the System Equipment and LDC's sole obligation with respect to
such third party equipment or products will be to pass through the
manufacturers' warranties and indemnities with respect thereto where applicable.
Should any of the System Equipment fail within this warranty period, LDC's sole
obligation will be to repair or replace, at its discretion, the defective System
Equipment. Replacement System Equipment may be refurbished or contain
refurbished materials. LDC will ship replacement System Equipment to Distributor
and/or Distributor Accounts upon request at Distributor's expense within two (2)
days from LDC's determination of a terminal failure. This warranty does not
apply if the System Equipment fails or is damaged after delivery due to
shipment, handling, storage, has been damaged by accident, abuse or misuse, has
been used or maintained in a manner not conforming to applicable System
Equipment manual instructions, has been modified in any way, or has had any
serial number removed or defaced. Repair by anyone other than LDC or an approved
agent will void this warranty.

      17.2 Software. LDC warrants for a period of one (1) year after date of
first use of the System Equipment that the Software included therein shall be
free from material defects in material and workmanship, and shall conform in all
material respects to the specifications contained in any System Documentation
relating to such Software for up to 6 products, 2 languages per product and 200
pins (the "Specifications"). The foregoing warranty will be void if there are
any modifications or changes made to the Software that are not made by LDC or
any subcontractor thereof. The Software is not warranted to perform in
accordance with the Specifications to the extent that such Software is not being
used in accordance with any user manual or other written System Documentation or
instructions issued by LDC. Should LDC breach the warranty set forth above, LDC
shall promptly correct the reported defect by modifying either the Software or
the applicable user instructions, as the case may be. If, within a reasonable
period of time, LDC is unable to correct any such breach relating to Software in
the manner described above, and should any such defective Software provided by
LDC cause a material portion of the Software providing significant and
substantial functionality to fail in its essential purpose and should LDC be
unable to cure such defect as provided above, Distributor may return all such
System Equipment containing such defective Software and then shall be entitled
to terminate Distributors obligation to pay Charges with respect to any such
System Equipment containing such defective Software under this Agreement.

      17.3 WARRANTY DISCLAIMER. EXCEPT AS SPECIFICALLY SET FORTH ABOVE IN THIS
ARTICLE XVII, THIS AGREEMENT EXCLUDES AND LDC HEREBY

                                      -12-
<PAGE>

                                                                    Confidential

SPECIFICALLY DISCLAIMS ANY AND ALL REPRESENTATIONS OR WARRANTIES, EXPRESS OR
IMPLIED, WITH RESPECT TO THE SYSTEM EQUIPMENT OR SOFTWARE PROVIDED HEREUNDER,
INCLUDING ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR
THOSE ARISING FROM A COURSE OF DEALING, USAGE OR TRADE PRACTICE.

      17.4 Limitation on Direct Damages. In no event will LDC's total aggregate
liability to Distributor for direct damages from any and all claims of any kind
arising out of or relating to this Agreement, whether based on contract, tort
(including, without limitation, strict liability or negligence), warranty, or
any other ground exceed, during any calendar year or portion thereof during the
term of this Agreement, fifty percent (50%) of the aggregate amount of Charges
previously paid by Distributor to LDC under this Agreement in the previous
consecutive twelve (12) month period immediately prior to the date on which such
claim or claims are made.

      17.5 EXCLUSION OF CONSEQUENTIAL DAMAGES. IN NO EVENT UNDER THIS AGREEMENT
OR OTHERWISE WILL LDC BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL,
CONSEQUENTIAL OR PUNITIVE DAMAGES WHICH MAY ARISE OUT OF THE INSTALLATION OR
OPERATION OF THE POS SYSTEM OR SYSTEM EQUIPMENT OR THE PERFORMANCE OR
NONPERFORMANCE OF ANY OF LDC'S OBLIGATIONS UNDER THIS AGREEMENT EVEN IF LDC HAS
BEEN ADVISED OF, KNEW OF OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH
DAMAGES.

                                   ARTICLE XVI
                                CONFIDENTIALITY.

      18.1 Trade Secrets and Confidential Information. LDC, its affiliates and
subcontractors (hereinafter, for purposes of this Article XVIII, individually
and collectively referred to as "LDC"), and Distributor, its affiliates and
agents (hereinafter, for purposes of this Article XVIII, individually and
collectively referred to as "Distributor") each acknowledge that the other party
possesses or will have access to and will continue to possess and have access to
information which has commercial value in its business and is not in the public
domain. "Trade Secrets" means information without regard to form related to the
services or business of the disclosing party which (a) derives economic value,
actual or potential, from not being generally known to or readily ascertainable
by other persons who can obtain economic value from its disclosure or use, and
(b) is the subject of efforts by the disclosing party that are reasonable under
the circumstances to maintain its secrecy, including without limitation (1)
marking any information reduced to tangible form clearly and conspicuously with
a legend identifying its confidential or proprietary nature, (2) identifying any
oral presentation or communication as confidential or secret immediately before,
during or after such oral presentation or communication, or (3) otherwise
treating such information as confidential or secret. Trade Secrets include, but
are not limited to, computer programs and software, source codes, object codes,
technical and non-technical data, formulas, patterns, compilations, devices,
drawings, processes, methods, techniques, designs, programs, financial plans,
product plans, and lists of actual or potential customers and suppliers which
are not commonly known by or available to the public. "Confidential Information"
means any and all proprietary business information of the

                                      -13-
<PAGE>

                                                                    Confidential

disclosing party treated as secret by the disclosing party, even though such
information may not constitute a Trade Secret, including, without limitation,
any and all proprietary information of such party of which the receiving party
becomes aware as a result of its access to and presence at the other party's
facilities. "Company Information" means collectively the Confidential
Information and Trade Secrets of the disclosing party.

            18.2 Obligations.

      A. Distributor and LDC shall each refrain from disclosing, will hold as
confidential and will use the same level of care to prevent disclosure to third
parties, the Company Information of the other party as it employs to avoid
disclosure, publication or dissemination of its own information of a similar
nature but in no event less than a reasonable standard of care.

      B. Neither Distributor nor LDC shall use the Company Information of the
other party, except as specifically permitted in this Agreement.

      C. In no event shall Distributor itself or through inducement of another
attempt to or otherwise engage in any activity that would constitute or result
in a reverse engineering of LDC's technology encompassed in the POS System,
including hardware that constitutes part of the system Equipment or Software.

      D. Without limiting the generality of the foregoing, neither party will
publicly disclose the terms of this Agreement without the prior written consent
of the other. Furthermore, neither LDC nor Distributor will make any use of
Company Information of the other party except as contemplated by this Agreement;
acquire any right in or assert any lien against the disclosing party's Company
Information except as contemplated by this Agreement; or refuse to promptly
return, provide a copy of or destroy such Company Information upon the request
of the disclosing party. Notwithstanding any of the foregoing, LDC and
Distributor shall be permitted to make such disclosures of this Agreement as may
be required by law.

            18.3 Exclusions. Notwithstanding the foregoing, this Article XVIII
will not apply to any information which LDC or Distributor can demonstrate was:
(a) at the time of disclosure, in the public domain; (b) after disclosure,
published or otherwise became part of the public domain through no fault of the
receiving party; (c) without a breach of duty owed to the disclosing party, is
in the possession of the receiving party at the time of disclosure; (d) received
after disclosure from a third party who was under no duty of confidentiality and
had a lawful right to disclose such information; or (e) independently developed
by the receiving party without reference to Company information of the
disclosing party. Further, either party may disclose the other party's Company
Information to the extent required by law, order of court, or government
regulation and, in such event, the disclosing party shall, as soon as is
reasonably possible after learning of such a requirement of disclosure, and a
reasonable time prior to making such disclosure, give the other party notice of
such requirement of disclosure.

            18.4 Limitations.

                                      -14-
<PAGE>

                                                                    Confidential

      A. During the Term of the Agreement, the covenants of confidentiality
set forth herein shall: (a) apply after the date of this Agreement to any
Company Information disclosed to the receiving party before or after the date of
this Agreement; and (b) continue and must be maintained from the date of this
Agreement through the termination of this Agreement.

      B. Subsequent to the Agreement's termination, irrespective of the method
of such termination: (a) with respect to Trade Secrets, the parties shall
maintain the confidentiality of such Trade Secret information for so long as
such retains the status of a Trade Secret under applicable law, irrespective of
the Term of this Agreement; and (b) with respect to Confidential Information,
the parties shall maintain the confidentiality of such Confidential Information
for a period equal to the shorter of three (3) years after termination of this
Agreement, or until such Confidential Information no longer qualifies as
confidential under applicable law. Notwithstanding anything herein to the
contrary, if a party is in possession of Confidential Information that
constitutes patient medical records, then such person shall keep such
Confidential Information in confidence and not destroy such Confidential
Information for the the Period required by applicable law.

                                   ARTICLE XIX
                                 INDEMNIFICATION

      19.1 Indemnification of LDC. Distributor agrees to indemnify, defend and
hold LDC harmless against any liability, loss, damage or expense (including
reasonable attorney's fees) for any claims or demands arising out of the conduct
of business by Distributor that are the result of Distributor's gross negligence
or willful act or failure to act, including, but not limited to, any claims or
demands (a) by Distributor's agents, employees or any other persons, for bodily
injury, damage to property or other damages caused by the acts or omissions of
the Distributor or its subcontractors, or the employees or agents of any of
them, and (b) by Distributor's employees under worker's compensation or similar
laws; (c) for failure of Distributor to timely and/or properly pay all federal,
state and local income, withholding or other taxes applicable to Distributor or
the performance by Distributor of its rights or obligations hereunder; or (d)
any product liability or other tort claims for any Products sold through the POS
System not sold to Distributor by LDC.

      19.2 Indemnification of Distributor. Subject to the limitations of Article
XVII, LDC agrees to indemnify, defend and hold Distributor harmless against any
liability, loss, damage or expense (including reasonable attorney's fees) for
any claims or demands arising out of the conduct of business by LDC that are a
result of LDC's gross negligence or willful acct or failure to act, including
but not limited to, any claims or demands by LDC's agents, employees or any
other persons, for bodily injury, damage to property or other damages caused by
the acts or omissions of LDC or its subcontractors or the employees or agents of
any of them.

      19.3 Procedures with Respect to Indemnification. All indemnities created
in this Agreement shall include indemnification of LDC's and Distributor's
Affiliates, directors, officers, employees, agents, successors and assigns and
the heirs, legal representatives, and assigns thereof. The indemnification shall
be for all claims arising out of the specific event referred to in this
Agreement which is covered by the indemnification, including costs reasonably
incurred in the defense of any claim, including without limitation accountant's,
attorneys', and expert witness fees,

                                      -15-
<PAGE>

                                                                    Confidential

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

      If to LDC:          LDC Direct, Ltd. Co.
                          3060 Peachtree Road, Suite 1815
                          Atlanta, GA 30305
                          Attention: President

      20.7 Entire Agreement. This Agreement, including the preambles and
exhibits, if any, sets forth the entire Agreement between the parties as to the
subject matter hereof and merges all prior discussions between them, and neither
of the parties shall be bound by any conditions, definitions, understandings, or
representations with respect to such subject matter other than as expressly
provided herein, or as duly set forth subsequent to the effective date hereof in
writing and signed by the duly authorized representatives of both parties.

      20.8 Severability. In the event any one or more provisions of this
Agreement are found by a court of competent jurisdiction to be illegal or
unenforceable, such provisions shall be severed from this Agreement and all
other provisions of this Agreement shall continue in full force and effect.

      20.9 No Waiver. The provisions of this Agreement may not be waived except
in writing and signed by both parties. No waiver of any provision hereof shall
be deemed a continuing waiver, nor shall any delay or failure to exercise any
right or remedy be deemed a waiver thereof.

      IN WITNESS WHEREOF the parties hereto have executed, sealed and delivered
this Agreement in one or more counterparts on the day and year first above
written.

"LDC":                                       "DISTRIBUTOR":

LDC DIRECT, LTD. CO.                         Q Comm, Inc.
                                             ---------------------------

BY:                                          BY: /s/ Paul Hickey
    --------------------------                   -----------------------

NAME:                                        NAME: Paul Hickey
      ------------------------                     ---------------------

TITLE:                                       TITLE: C.E.O.
       -----------------------                      --------------------

DATE:                                        DATE: 7/6/99
      ------------------------                     ---------------------

                                      -17-
<PAGE>

                                                                    Confidential

                                    EXHIBIT A
                                       TO
                                   LDC DIRECT
                              DISTRIBUTOR AGREEMENT

                               SCHEDULE OF CHARGES

POS Terminal:

--------------------------------------------------------------------------------
             Number Of Units                           Per Unit Price
             ---------------                           --------------
--------------------------------------------------------------------------------
                   1-3                                      $540
--------------------------------------------------------------------------------
                   4-25                                     $520
--------------------------------------------------------------------------------
                  26-50                                     $480
--------------------------------------------------------------------------------
                  51-100                                    $420
--------------------------------------------------------------------------------
                 101-200                                    $370
--------------------------------------------------------------------------------
                 201-300                                    $340
--------------------------------------------------------------------------------
                 301-400                                    $320
--------------------------------------------------------------------------------
                 401-500                                    $305
--------------------------------------------------------------------------------
                Over 1000                                   $295
--------------------------------------------------------------------------------

The above pricing applies to purchase orders for terminals received as of the
date of this Agreement.

POS Terminal Stand:

       $10 each

POS Card / Display Stand:

       $15 each

Charges for Processing Services:

                                      -18-
<PAGE>

                                                                    Confidential

      A per transaction fee for Processing Services based on the following chart
will apply to each transaction utilizing all or any part of the POS System:

--------------------------------------------------------------------------------
                  Product                                 Pricing
--------------------------------------------------------------------------------
             Prepaid Products              $.10 per transaction plus .5% of the
                                           retail value of the transaction
--------------------------------------------------------------------------------

Notwithstanding the foregoing, LDC shall have the right to charge a minimum fee
for Processing Services of $5.00 per month for each installed terminal. Listed
Charges for Transaction Fees only pertain to products listed and Charges for
Transaction Fees for other products shall be determined by LDC prior to
commencing Transaction Services for any Retail Dealer with respect to any such
additional products. All Charges are subject to revision by LDC as set forth in
Section 4.1.A of the Agreement.

Charges for Implementation Services:

      LDC will make available technical assistance for set-up, installation and
programming at the rate of $100.00 per hour.

Charges for Retail Dealer Help Desk Services:

      Program in development. Will be offered to all distributors and agents on
same standard plan.

Extended Warranty

      Program in development. Will be offered to all distributors and agents on
same standard plan.

                                      -19-<PAGE>

                         Q Comm, Inc. Services Agreement
                                       For
                 USP Communications - Qxpress Management System

      This Agreement (the "Agreement") is entered into this 15 day of September,
1999 (the "Execution Date") between Q Comm, Inc. ("Q Comm") with offices at 1135
South 1680 West Orem, UT 84058-4930 and USP Communications with offices at 3808
South West Temple Salt Lake City, UT 84115

                                   WITNESSETH:

      WHEREAS, Q Comm offers a comprehensive prepaid management system through
Qxpress and the Q Comm telecommunications network ("Qxpress Services");

      WHEREAS, Distributor desires to purchase Qxpress services, including
activated calling cards, in the form of personal identification numbers
(collectively the "PINs") as will be generated on-demand by the Qxpress System.

      WHEREAS, Distributor desires to contract for the Qxpress system and Q Comm
desires to provide the same to Distributor, 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.

      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 System in accordance with the terms
specified in Schedule "A"

      Q Comm agrees to sell to Distributor and Distributor agrees to purchase
Qxpress PINs in accordance with the terms and conditions set forth herein.
Qxpress 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.

II. TERM:

      The term of this agreement is two (2) years. This agreement may only be
terminated if the terms of this agreement are not being met. If terminated by
the Distributor, a forty-five (45) day prior written notice to the other party
is required. If terminated by Q Comm, USP

                                                                               1
<PAGE>

Communications will have one hundred twenty (120) days in which to return the
Qxpress units. Distributor shall, upon termination of this Agreement, arrange
for the return of all Qxpress terminals at the expense to the Distributor. All
Qxpress units must be returned within twenty-five (25) days of the date of
termination. If the units are not received within that time frame the
Distributor agrees to pay $410.00 per unit payable upon demand.. Distributor
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 PINs purchased by Distributor and activated
by Qxpress before the termination date.

III. COSTS:

      Distributor agrees to all fees and commissions in accordance with
schedules "A" and "B".

IV. DEPOSIT:

      No Deposit is required at this time.

V. DOMESTIC & INTERNATIONAL RATES:

      See Schedule "D"

VI. RATE CHANGES:

      A. 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) days prior written notification of the
change to Distributor. Distributor acknowledges that a rate change will modify
the minute availability on the Distributor's prepaid calling card.

VII. ORDERS:

      All orders are required from the Distributor for Q Comm to ship and
activate the Qxpress System. All orders shall be subject to Q Comm's approval,
as well as Q Comm's "SERVICES AND RENTAL AGREEMENT", a copy of which is
attached hereto as Schedule "B".

VIII. ACTIVATION:

      A. Distributor and or its contracted location shall pay for all activated
calling cards by an ACH program which will debit the designated merchant account
every Monday for the previous weeks sales.

                                                                               2
<PAGE>

IX. OBLIGATIONS OF Q Comm:

      A. Q Comm shall provide Qxpress terminals to Distributor subject to this
agreement and the "SERVICES AND RENTAL AGREEMENT".

      B. Q Comm may use multiple carriers to provide the long distance network.

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

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

X. OBLIGATIONS OF DISTRIBUTOR:

      A. Distributor accepts the "SERVICE AGREEMENTS" in effect at the time of
this Agreement. (Schedule "B"). Q Comm's "SERVICE AND RENTAL AGREEMENTS" are
subject to change with five (5) day notice to Distributor.

      B. Distributor shall be responsible for all costs for the design,
production, printing and distribution of CUSTOM USP calling cards, as well as
all inserts and packaging.

      C. Distributor 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 Distributor to
pre-approved content or artwork must also be approved in writing by Q Comm.

      D. Q Comm Prepaid Phone Card "Card Terms & Conditions" (schedule "C") must
be clearly disclosed on the back of each prepaid calling card, inserts or
point-of-purchase materials

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

      A. Distributor, upon taking delivery of the Qxpress System from Q Comm,
shall bear the risk of loss 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;
            2.    nonpayment by end users;
            3.    replacement costs;
            4.    credits to which end users are entitled; and
            5.    A failure to maintain and ensure the security of the Qxpress
                  System.

                                                                               3
<PAGE>

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

      C.    Distributor shall bear the risk of loss for fraud, theft or misuse
            of the Qxpress System by Distributor's employees.

      D.    The parties agree that, upon activation and authorization of sale by
            the Qxpress System, end users shall be responsible for the
            following:

            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 (including
                  calls to wrong numbers), regardless of whether such use
                  occurred by the end user, a person authorized by the end user
                  to use the Qxpress System, or by a person not authorized by
                  end user; and

            3.    improper activation by Distributor 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 particular Qxpress System, PINs or batches of PINs in the
            event Q Comm reasonably believes that same have been improperly or
            fraudulently activated.

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, epidemic war, terrorist acts, riots, insurrections, fires,
explosions, earthquakes, nuclear accidents, floods, strikes, power blackouts,
severe weather conditions, failure by Distributor 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 PINs 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

                                                                               4
<PAGE>

            any interruption caused by the negligence or any act or omission of
            Distributor, 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, agents, 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 DISTRIBUTOR 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. Distributor acknowledges Q Comm's exclusive ownership of all Q Comm
designated trademarks, service marks and other symbols (the "Marks") relating to
the PINs 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 Distributor 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 Distributor.

                                                                               5
<PAGE>

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 Distributor's approval.
Distributor 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:

      Distributor 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
Distributor from a further violation or breach of such covenants.

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, Distributor 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.

XIX. 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.
            1135 South 1680 West
            Orem, UT 84058-4930
            Stephen C. Flaherty

            USP Communications
            3808 South West Temple
            Salt Lake City, Utah 84115
            Mark Sain

XX. GENERAL:

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

                                                                               6
<PAGE>

      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.

XXI. NON-DISCLOSURE

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

      B. Distributor 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. Distributor agrees that all such matters and information shall
be kept strictly and absolutely confidential.

      C. Distributor 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 distributor from committing or continuing and breach of this
Agreement.

                                                                               7
<PAGE>

            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.

USP Communications

By:   /s/ [ILLEGIBLE]
   -------------------------
Its:  President
    ------------------------
Date: 9/16/99
     -----------------------

Q Comm International, Inc.

By: /s/ Stephen C. Flaherty
   -------------------------
   Stephen C. Flaherty
   President

Date: 9-16-99
     -----------------------

                                                                               8
<PAGE>

                                  SCHEDULE "A"

1.    USP will contract with each one of the hotels and or locations to be
      installed with Qxpress

2.    USP will be responsible should one of their locations not pay for the
      product sold and invoiced through an ACH program

3.    USP will receive its agreed upon percentage each Friday following the
      Monday ACH. This percentage will be 10% of the gross for the term of the
      agreement.

4.    Q Comm will provide the Qxpress terminal at its expense

5.    Q Comm will provide telephone installation and training support for each
      location

6.    Q Comm will arrange for internet access for activity reporting on the USP
      group and or individual locations.

7.    Each location must maintain a $350. Monthly minimum or a $19.95 monthly
      service fee will be added to their account.

8.    Current calling card long distance rates are as follows:

            .049 cents per minute domestically

            .49 cents connect fee

            .49 monthly service fee

            One (1) minute rounding

9.    Should the Qxpress unit be lost or stolen USP will reimburse Q Comm in thc
      amount of $410. Per terminal within fifteen (15) days of the date of loss.

10.   Q COMM. Inc. will provide generic blank phone cards at the rate of $.l0
      each. A credit of $.10 per sale will be given to the Customer on each
      billing to offset the cost of the cards. Private labeled cards can be
      provided to the Customer at actual cost.

                                                                               9
<PAGE>

                                  SCHEDULE "B"

                          SERVICES AND RENTAL AGREEMENT

This agreement is this 16 day of September, 1999 by and between USP
Communications (hereinafter called Customer) and Q COMM, Inc. Q COMM Inc. is a
wholly owned subsidiary of Q COMM International, Inc. Qxpress Management System
(herein called Qxpress) is a point of sale printing device. Customer wishes to
utilize the Qxpress 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 at the rental rate of $ 19.95 per month for
a two (2) year term. The monthly rental is paid by the Retailer on a monthly
basis if the monthly minimum of $350.00 in gross calling card revenue is not
met. This billing will be included in the first invoice of the month, and will
include maintenance, insurance, and initial setup and initial training during
this period.

2. Q COMM, Inc. will provide standard Qxpress blank phone cards at the rate of
$.10 each. A credit of $.10 per sale will be given to the Distributor on each
billing to offset the cost of the cards. Private labeled cards can be provided
to the Distributor at actual cost.

3. Compensation: Q COMM, Inc. Will compensate the Distributor 30% of the phone
card revenues per month; 0% for Wireless.

4. The Qxpress 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 from a location if sales
in that location do not warrant the Qxpress placement

6. Customer shall provide the following:
      a)    A safe and secure place for the Qxpress to be located.
      b)    Grounded power outlet.
      c)    Phone line access.
      d)    Window or door area for Point of Sale material and possibly areas at
            the pump islands for point of sale materials and or banners.

7. Q COMM, Inc. will provide standard point of sale materials at it's own
expense. Any private labeled point of sale material can be provided by Q COMM,
Inc. at Customer's expense. Customer 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).

Agreed this 16 day of September, 1999

Business:

Name/DBA: /s/ [ILLEGIBLE]
         ---------------------------------------

Owner/Officer: (print): [ILLEGIBLE]
                       -------------------------

Owner/Officer: (signature):
                       -------------------------

Q COMM, Inc.

Sales Representative: /s/ [ILLEGIBLE]
                     ---------------------------
I.D. Number:
            ------------------------------------

Q Comm Officer:
               ---------------------------------

                                                                              10
<PAGE>

8. Changes in card advertising, logos, or incentives can occur once per quarter
with fifteen days notice of the change with all changes submitted in writing, by
fax, or E-mail.

9. The Qxpress 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).

10. 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 Customer's bank the Point of Sale device will be turned off until the
debit is honored. Two refused debits will cause the Customer to be placed in a
COD status with a deposit requirement of two weeks of sales deposited in Q COMM,
Inc.'s account.

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

12. Any disputes between Customer 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.

13. Entire Agreement: This is our entire agreement and cannot be changed unless
agreed to in writing by both parties.

14. Force Majeure: If any part of this agreement is invalidated by local,
county, state or federal rules or regulations, or a court of law, then the
balance of this agreement will remain valid.

15. 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 Customer. 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 Retailer. Any
additional taxes levied by Federal, State, or local entities will be passed on
to the Retailer. Any taxes collected by the Retailer will be their sole
responsibility to collect and pay. This statement is not advice on the
collection or reporting of taxes and we suggest that each Retailer contact their
CPA, Accountant or taxing authority in their states to the correct taxes or
reporting of same from the sale of any Prepaid Telecommunication Products.

16. 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 all for toll free access from a pay phone. The Customer is not
responsible for collecting and paying these dial around charges.

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
the Qxpress 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 the Qxpress or it's carriers.

19. TERMINATION: This Agreement can only be terminated by Q COMM, Inc. by
providing 30 days' written notice. Customer can only 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.

20. EXCLUSIVITY: Customer 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 during the term of this agreement.

                                                                              11
<PAGE>

[LOGO] QCOMM
INTERNATIONAL, INC.

            AUTHORIZATION AND AGREEMENT FOR AUTOMATED CLEARING HOUSE
                            (ACH) DEBITS AND CREDITS

Company

I (we) authorize: QCOMM 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.

Depository name(Bank name)

Address:

City, State and Zip or Postal Code

Phone Number___________________________________Fax Number

Manager Or Customer 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"

                            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 with out notice

4.    The expiration date must appear

5.    Network Services provided by US Communications Services, Inc.

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"

                                                                              14
<PAGE>

[LOGO] QCOMM
INTERNATIONAL, INC.

<TABLE>
<CAPTION>
-------------------------------------------------------------------------------------------------
                                    Rate Per                                             Rate Per
Code      Country       Connect      Minute      Code          Country         Connect    Minute
-------------------------------------------------------------------------------------------------
<S>    <C>              <C>          <C>         <C>       <C>                 <C>       <C>
 93    Afghanistan      $ 3.52       $ 1.53       56       Chile               $ 2.31    $  0.32
       Alaska           $ 0.73       $ 0.24       86       China               $ 2.65    $  0.66
355    Albania          $ 2.48       $ 0.49       57       Colombia            $ 2.55    $  0.56
213    Algeria          $ 2.53       $ 0.54      269       Comoros             $ 2.95    $  0.96
684    American Samoa   $ 2.52       $ 0.53      242       Congo               $ 2.90    $  0.91
376    Andorra          $ 2.39       $ 0.40      682       Cook Isl.           $ 3.36    $  1.37
244    Angola           $ 2.64       $ 0.65      506       Costa Rica          $ 2.43    $  0.44
809    Anguilla         $ 2.65       $ 0.66      385       Croatia             $ 2.47    $ 48.00
672    Antarctica       $ 2.53       $ 0.54       53       Cuba                $ 2.91    $  0.92
809    Antigua          $ 2.62       $ 0.63      357       Cyprus              $ 2.47    $  0.48
 54    Argentina        $ 2.58       $ 0.59      420       Czech Republic      $ 2.38    $  0.39
374    Armenia          $ 2.78       $ 0.80       45       Denmark             $ 2.18    $  0.19
297    Aruba            $ 2.51       $ 0.52      246       Diego Garcia        $ 2.94    $  0.95
247    Ascension Isl.   $ 3.00       $ 1.01      253       Djibouti            $ 3.05    $  1.06
 61    Australia        $ 2.16       $ 0.17      809       Dominica            $ 2.70    $  0.71
 43    Austria          $ 2.20       $ 0.21      809       Dominican Republic  $ 2.31    $  0.32
994    Azerbaijan       $ 2.65       $ 0.66      593       Ecuador             $ 2.49    $  0.50
809    Bahamas          $ 2.30       $ 0.31       20       Egypt               $ 2.89    $  0.90
973    Bahrain          $ 2.87       $ 0.88      503       El Salvador         $ 2.55    $  0.56
880    Bangladesh       $ 3.09       $ 1.10      240       Equi Guinea         $ 3.05    $  1.06
809    Barbados         $ 2.70       $ 0.71      291       Eritrea             $ 3.32    $  1.33
375    Belarus          $ 2.55       $ 0.56      372       Estonia             $ 2.40    $  0.41
 32    Belgium          $ 2.18       $ 0.19      251       Ethiopia            $ 3.24    $  1.25
501    Belize           $ 2.80       $ 0.81      298       Faeroe Isl.         $ 2.43    $  0.44
229    Benin            $ 2.77       $ 0.78      500       Falkland Isl.       $ 2.52    $  0.53
809    Bermuda          $ 2.34       $ 0.35      679       Fiji Isl.           $ 3.12    $  1.13
975    Bhutan           $ 2.63       $ 0.64      358       Finland             $ 2.19    $  0.20
591    Bolivia          $ 2.76       $ 0.79      596       Fr. Antilles        $ 2.54    $  0.55
387    Bosnia           $ 2.52       $ 0.53      594       Fr. Guiana          $ 2.55    $  0.56
267    Botswana         $ 2.55       $ 0.56      689       Fr. Polynesia       $ 2.71    $  0.72
 55    Brazil           $ 2.50       $ 0.51       33       France              $ 2.16    $  0.17
809    British Vir Isl. $ 2.49       $ 0.50      241       Gabon               $ 2.98    $  0.99
673    Brunei           $ 2.54       $ 0.55      220       Gambia              $ 2.75    $  0.76
359    Bulgaria         $ 2.47       $ 0.48      995       Georgia             $ 2.87    $  0.88
226    Burkina Faso     $ 2.84       $ 0.85       49       Germany             $ 2.16    $  0.17
257    Burundi          $ 2.79       $ 0.80      233       Ghana               $ 2.60    $  0.61
855    Cambodia         $ 3.16       $ 1.17      350       Gibraltar           $ 2.55    $  0.56
237    Cameroon         $ 2.97       $ 0.98       30       Greece              $ 2.45    $  0.46
       Canada To        $ 0.66       $ 0.17      299       Greenland           $ 2.65    $  0.66
238    Cape Verde Isl.  $ 2.73       $ 0.74      809       Grenada             $ 2.70    $  0.71
809    Cayman Isl.      $ 2.41       $ 0.42      590       Guadeloupe          $ 2.57    $  0.58
236    Central Africa   $ 3.15       $ 1.16      671       Guam                $ 2.22    $  0.23
235    Chad Rep         $ 3.35       $ 1.36      539       Guantan Bay         $ 2.60    $  0.61
-------------------------------------------------------------------------------------------------
</TABLE>

<PAGE>

<TABLE>
<CAPTION>
-------------------------------------------------------------------------------------------------
                                    Rate Per                                             Rate Per
Code      Country       Connect      Minute      Code          Country         Connect    Minute
-------------------------------------------------------------------------------------------------
<S>    <C>              <C>          <C>          <C>       <C>                 <C>       <C>
502    Guatemala        $  2.41      $  0.42      373       Moldova             $ 2.63    $ 0.64
224    Guinea           $  2.75      $  0.76      339       Monaco              $ 2.27    $ 0.28
245    Guinea Bissau    $  3.09      $  1.10      976       Mongolia            $ 3.20    $ 1.21
592    Guyana           $  2.92      $  0.93      809       Montserrat          $ 2.79    $ 0.80
509    Haiti            $  2.77      $  0.78      212       Morocco             $ 2.60    $ 0.61
       Hawaii To        $  0.72      $  0.23      258       Mozambique          $ 2.68    $ 0.69
504    Honduras         $  2.71      $  0.72       95       Myanmar (Burma)     $ 3.21    $ 1.22
852    Hong Kong        $  2.26      $  0.27      264       Namibia             $ 2.54    $ 0.55
 36    Hungary          $  2.36      $  0.37      674       Nauru               $ 3.03    $ 1.04
354    Iceland          $  2.36      $  0.37      977       Nepal               $ 3.03    $ 1.04
 91    India            $  1.99      $  0.57      599       Neth Antilles       $ 2.42    $ 0.43
 62    Indonesia        $  2.55      $  0.56       31       Netherlands         $ 2.17    $ 0.18
 98    Iran             $  3.07      $  1.08      809       Nevis               $ 2.67    $ 0.68
964    Iraq             $  3.19      $  1.20      687       New Caledonia       $ 2.87    $ 0.88
959    Ireland          $  2.20      $  0.21       64       New Zealand         $ 2.19    $ 0.20
972    Israel           $  2.27      $  0.28      505       Nicaragua           $ 2.65    $ 0.66
 39    Italy            $  2.23      $  0.24      227       Niger               $ 2.86    $ 0.87
225    Ivory Coast      $  3.18      $  1.19      234       Nigeria             $ 3.02    $ 1.03
809    Jamaica          $  2.73      $  0.74      683       Niue Isl.           $ 3.37    $ 1.38
 81    Japan            $  2.23      $  0.24      850       North Korea         $ 3.07    $ 1.08
962    Jordan           $  2.88      $  0.89       47       Norway              $ 2.18    $ 0.19
  7    Kazakhstan       $  2.82      $  0.83      968       Oman                $ 3.06    $ 1.07
254    Kenya            $  2.85      $  0.86       92       Pakistan            $ 1.99    $ 0.61
686    Kiribati         $  3.12      $  1.13      680       Palau               $ 2.99    $ 1.00
965    Kuwait           $  3.02      $  1.03      507       Panama              $ 2.74    $ 0.75
  7    Kyrgyzstan       $  2.86      $  0.87      675       Papua N Guin        $ 2.62    $ 0.63
856    Laos             $  3.05      $  1.06      595       Paraguay            $ 2.88    $ 0.89
371    Latvia           $  2.48      $  0.49       51       Peru                $ 2.65    $ 0.66
961    Lebanon          $  2.85      $  0.86       63       Philippines         $ 1.99    $ 0.27
266    Lesotho          $  2.59      $  0.60       48       Poland              $ 2.42    $ 0.43
231    Liberia          $  2.63      $  0.64      351       Portugal            $ 2.39    $ 0.40
218    Libya            $  2.51      $  0.52      809       Puerto Rico To      $ 2.18    $ 0.19
370    Lithuania        $  2.51      $  0.52      974       Qatar               $ 2.94    $ 0.95
352    Luxembourg       $  2.27      $  0.28      262       Reunion Isl.        $ 2.73    $ 0.74
853    Macao            $  2.56      $  0.57       40       Romania             $ 2.55    $ 0.56
389    Macedonia        $  2.56      $  0.57        7       Russia              $ 2.47    $ 0.48
261    Madagascar       $  3.05      $  1.06      250       Rwanda              $ 3.07    $ 1.08
265    Malawi           $  2.65      $  0.66      670       Saipan              $ 2.62    $ 0.63
 60    Malaysia         $  2.37      $  0.38                San Marino          $ 2.55    $ 0.56
960    Maldives         $  2.94      $  0.95      239       Sao Tome            $ 3.28    $ 1.29
223    Mali Republic    $  3.12      $  1.13      966       Saudi Arabia        $ 2.99    $ 1.00
356    Malta            $  2.38      $  0.39      221       Senegal Republic    $ 3.31    $ 1.32
871    Marisat          $ 12.00      $ 10.01      248       Seychelles Isl.     $ 3.28    $ 1.29
692    Marshall Isl.    $  2.57      $  0.58      232       Sierra Leone        $ 3.01    $ 1.02
222    Mauritania       $  2.82      $  0.83       65       Singapore           $ 2.35    $ 0.36
230    Mauritius        $  2.98      $  0.99      451       Slovakia            $ 2.40    $ 0.41
691    Micronesia       $  2.91      $  0.92      386       Slovenia            $ 2.33    $ 0.34
-------------------------------------------------------------------------------------------------
</TABLE>

<PAGE>

<TABLE>
<CAPTION>
-------------------------------------------------------------------------------------------------
                                    Rate Per                                             Rate Per
Code      Country       Connect      Minute      Code          Country         Connect    Minute
-------------------------------------------------------------------------------------------------
<S>    <C>              <C>          <C>          <C>       <C>                 <C>       <C>
677    Solomon Isl.     $ 2.88       $ 0.89       809       US Virgin Isl. To   $ 2.20    $ 0.21
252    Somalia          $ 3.07       $ 1.08       256       Uganda              $ 2.57    $ 0.58
 27    South Africa     $ 1.99       $ 0.34       380       Ukraine             $ 2.55    $ 0.56
 82    South Korea      $ 2.34       $ 0.35       971       United Arab Emir    $ 2.67    $ 0.68
 34    Spain            $ 2.27       $ 0.28        44       United Kingdom      $ 0.49    $ 0.06
 94    Sri Lanka        $ 3.02       $ 1.03       598       Uruguay             $ 2.80    $ 0.81
290    St. Helena       $ 2.84       $ 0.85         7       Uzbekistan          $ 2.82    $ 0.83
809    St. Kitts        $ 2.59       $ 0.60       678       Vanuatu             $ 3.05    $ 1.06
809    St. Lucia        $ 2.75       $ 0.76       396       Vatican City        $ 2.30    $ 0.31
508    St. Pierre/Miq   $ 2.46       $ 0.47        58       Venezuela           $ 2.50    $ 0.51
809    St. Vincent      $ 2.81       $ 0.82        84       Vietnam             $ 3.19    $ 1.20
249    Sudan            $ 2.59       $ 0.60       681       Wallis/Fut          $ 2.53    $ 0.54
597    Suriname         $ 3.29       $ 1.30       685       West Samoa          $ 2.87    $ 0.88
268    Swaziland        $ 2.38       $ 0.39       969       Yemen Peoples       $ 3.03    $ 1.04
 46    Sweden           $ 2.14       $ 0.15       967       Yemen Republic      $ 3.03    $ 1.04
 41    Switzerland      $ 2.18       $ 0.19       381       Yugoslavia          $ 2.57    $ 0.58
963    Syria            $ 2.87       $ 0.88       243       Zaire               $ 2.86    $ 0.87
  7    Tadjikstan       $ 2.33       $ 0.34       260       Zambia              $ 2.89    $ 0.90
886    Taiwan           $ 2.70       $ 0.71                 Zanzibar            $ 5.27    $ 3.28
255    Tanzania         $ 2.75       $ 0.76       263       Zimbabwe            $ 2.52    $ 0.53
 66    Thailand         $ 2.64       $ 0.65        52       Mexico
228    Togo             $ 3.07       $ 1.08        52       Band l              $ 1.99    $ 0.11
676    Tonga            $ 3.23       $ 1.24        52       Band 2              $ 1.99    $ 0.11
809    Trinidad         $ 2.73       $ 0.74        52       Band 3              $ 1.99    $ 0.11
216    Tunisia          $ 2.60       $ 0.61        52       Band 4              $ 1.99    $ 0.11
 90    Turkey           $ 2.51       $ 0.52        52       Band 5              $ 1.99    $ 0.11
  7    Turkmenistan     $ 2.84       $ 0.85        52       Band 6              $ 1.99    $ 0.11
809    Turks/Caicos     $ 2.63       $ 0.64        52       Band 7              $ 1.99    $ 0.11
688    Tavlalu          $ 3.09       $ 1.10        52       Band 8              $ 1.99    $ 0.11
-------------------------------------------------------------------------------------------------
</TABLE>

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00002-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00002-of-00352.parquet"}]]