Document:

v035357_ex10-3 -- Converted by SECPublisher 2.1.1.8, created by BCL Technologies Inc., for SEC Filing

	
EQUIPMENT LEASE
        
	

        
	
Lessor's Name and Address: 
        	
   	
 
        	
   	
County: ~ 
        	
   	
Lessees Name and Address: 
        	
   	
County: ~ 
        
	
BISON COMMERCIAL LEASING CORP. 
        	
   	
 
        	
   	
SPIRITS MANAGEMENT, INC. 
        
	

        	
        	
        	
        	
        
	
560 
        	
   	
BROADHOLLOW ROAD - SUITE 201 
        	
   	
780 NEW YORK AVENUE - SUITE A 
        	
   	
 
        
	
 
        	
   	
MELVILLE NY 11747 
        	
   	
HUNTINGTON NY 11743 
        	
   	
 
        	
   	
 
        
	
        	
        	
        	
        	

        	
        	

        	
        	

        
	
 
        
	
Attn: - 
        	
   	
 
        	
   	
Phone: (~k) 845-7 700Tax 
        	
   	
Attn: BARRY BROOKSTEINPhone: ( 631) 385-3300 
        
	
lD#: 
        	
   	
 
        	
   	
FAX: 
        	
   	
 
        	
   	
Tax ID#: ~ 
        	
   	
 
        	
   	
Corporate lD#: 
        
	
-~ 
        	
   	
 
        	
   	
 
        	
   	
(
_____ 
        	
   	
 
        	
   	
 
        	
   	
 
        	
   	
 
        
	

        	
        	

        	
        	

        	
        	

        	
        	

        	
        	

        	
        	

        	
        	

        
	
LESSEE: l~J Corporation 0 General Partnership 0 Limited Partnership I 1 DBA 
        	
   	
Li Other_,,,_~ 
        	
   	
H Org. in 
        	
   	
 
        
	

        	
        	

        	
        	

        	
        	

        
	
QTY 
        	
   	
 
        	
   	
EQUIPMENT DESCRIPTION (Manufacturer, Model No., Serial No., Item) 
        	
   	
 
        
	

        	
        	

        	
        	

        	
        	

        
	
 
        
	
 
        	
   	
 
        	
   	
 
        	
   	
PLEASE SEE ATTACHED SCHEDIJI~E A 
        	
   	
 
        	
   	
 
        
	

        	
        	

        	
        	

        	
        	

        	
        	

        	
        	

        
	
Initial Equipment Location (if different from Lessee's address above): 
        	
   	
 
        	
   	
 
        	
   	
 
        	
   	
 
        
	

        	
        	

        	
        	

        	
        	

        	
        	

        
	
90 PRATT OVAL 
        	
   	
 
        	
   	
GLEN COVE 
        	
   	
NASSAU 
        	
   	
NY 
        	
   	
11542 
        
	
Address City 
        	
   	
 
        	
   	
 
        	
   	
County 
        	
   	
 
        	
   	
State 
        	
   	
Zip Code 
        
	

        	
        	

        	
        	

        	
        	

        	
        	

        	
        	

        	
        	

        
	
VENDOR: 
        	
   	
ASN VOICE & DATA CORP. 
        	
   	
 
        	
   	
 
        	
   	
 
        	
   	
 
        
	
TERM AND RENTAL PAYMENTS: Term ~Q months 
        	
   	
 
        	
   	
 
        	
   	
 
        	
   	
 
        
	
 
        	
   	
Rent Commencement Date ~J___j~. 
        	
   	
 
        	
   	
 
        	
   	
 
        	
   	
 
        
	

        	
        	

        	
        	

        	
        	

        	
        	

        	
        	

        
	
Rent Payable 
        	
   	
 
        	
   	
Payment Number & Amounts 
        	
   	
Advance Payments Received by Lessor 
        
	

        	
        	

        	
        	

        	
        	

        
	
K] Monthly 
        	
   	
 
        	
   	
H Periodic Rent ~Q_~ at s ~ 
        	
   	
One II Two at $2~O2.iB 
        	
   	
~ each 
        	
   	
 
        
	
11 Quarterly 
        	
   	
[]See 
        	
   	
plus 
        	
   	
a Final Payment c~ $ 
        	
   	
To 
        	
   	
be applied to: Ii 
        	
   	
First Periodic Payment First 
        
	
 
        	
   	
Schedule 
        	
   	
 
        	
   	
 
        	
   	
 
        	
   	
and Last Periodic Payment 
        	
   	
 
        
	

        	
        	

        	
        	

        	
        	

        	
        	

        	
        	

        	
        	

        
	
SALES TAX: 
        	
   	
XX Plus Sales Tax 
        	
   	
F.] Tax Exempt 
        	
   	
(1 Sales Tax Has Been Prepaid 
        	
   	
 
        
	

        	
        	

        	
        	

        	
        	

        	
        	

        

LEASE. By signing below and tendering advance payments to Lessor, Lessee hereby offers to lease from Lessor pursuant to all the provisions set
forth in the following pages, the personal property described above together with all substitutions, replacements, repairs, upgrades, additions, accessories, attachments,
products and proceeds (the "Equipment") and authorizes Lessor and Assignee to obtain credit reports on Lessee and each proposed Guarantor. Lessor by signing below accepts and
hereby leases the Equipment to Lessee. Unless expressly stated otherwise, all references to Lessor shall be deemed to include applicable Assignees of Lessor. Lessee's obligation to pay Rent to Lessor or the Assignee is absolute and unconditional and
shall not be subject to any abatement, deferral, reduction, defense, counterclaim, setoff or recoupment for any reason, including without limitation any claim against the manufacturer or loss of possession or use of the Equipment. 

ASSIGNMENT AND ACKNOWLEDGMENT. Lessor hereby assigns all its rights in this Loase and the Equipment to M&T Credit Corporation pursuant to the provisions set forth in the Assignment set forth at the end of this Lease. Lessee hereby acknowledges the assignment of the Lease and Equipment to Assignee, and
that Assignee is entitled to all rights of the Lessor but does not assume any of the obligations
of the Lessor under the Lease. Lessee agrees to pay installments of Periodic Rent plus the Final Payment described above directly to M&T Credit Corporation at the address below. Any provision of the proceeding sentence to the contrary
notwithstanding, Lessee shall upon payment in full to M&T Credit Corporation of all amounts due and payable to the complete satisfaclien of M&T Credit Corporation, either pay to the Lessor the purchase price for the Equipment (provided there
is a purchase option in effect between the Lessor and the Lessee), or return the Equipment to the Lessor under the terms and conditions set forth in the Lease. Lessee agrees
to all provisions on the following pages. THIS LEASE CAN BE AMENDED OR MODIFIED ONLY IN WRITING. THIS LEASE CANNOT BE CANCELLED. Send Payments to: M&T Credit Corporation, Attention: Commercial Loan Operations, P0. Box 1358, Buffalo, New York
14240-1358. 

	
APRIL 10, 
        	
   	
 
        	
   	
 
        	
   	
02 
        	
   	
APRIL 10 
        	
   	
02 
        
	
 
        	
   	
 
        	
   	
 
        	
   	
~ Acceptedon ~, 
        	
   	
_____
-~
______ 
        	
   	
 
        
	

        	
        	

        	
        	
        	
        	
        	
        	
        	
        	
        
	
 
        
	
 
        	
   	
 
        	
   	
 
        	
   	
LESSEE na d abo 
        	
   	
 
        	
   	
 
        
	
 
        	
   	
 
        	
   	
 
        	
   	
BY(A~Q.~ 
        	
   	
 
        	
   	
 
        
	
 
        	
   	
/ 
        	
   	
(It Corporation, President or Vice President should sign and give official Title; 
        	
   	
 
        
	
if Partnership, General Partner; if Limited Liability Corporation, Manager)
        
	
 
        
	
Accepted 
        	
   	
 
        	
   	
 
        	
   	
 
        	
   	
 
        	
   	
 
        
	
on 
        	
   	
GUARANTY. Pursuant to the provisions set forth in the Guaranty set forth at the end of lhis Lease, each guarantor jointly and 
        
	
7 
        	
   	
,/severally guarantees payment and performance of a b art ns which b me due under this Lease 
        	
   	
 
        
	
LESSOR named abovd~ 
        	
   	
 
        	
   	
~ 
        	
   	
 
        	
   	
4/10/02 
        	
   	
 
        
	
        	
        	
        	
        	

        	
        	

        	
        	

        	
        	
        
	
 
        
	
 
        	
   	
Guarantor Name 
        	
   	
Titl 
        	
   	
 
        	
   	
 
        
	
 
        	
   	
 
        	
   	
 
        	
   	
e 
        	
   	
 
        	
   	
 
        
	
/ 
        	
   	
 
        	
   	
 
        	
   	
 
        	
   	
 
        	
   	
 
        

	
Guarantor S~hature 
        	
   	
Date 
        	
   	
Guarantor 
        	
   	
Date 
        
	
 
        	
   	
 
        	
   	
Signature 
        	
   	
 
        
	
BARRY BROOKSTEIN 
        	
   	
 
        	
   	
 
        	
   	
 
        
	
Guarantor 
        	
   	
 
        	
   	
 
        	
   	
 
        
	
Name 
        	
   	
 
        	
   	
 
        	
   	
 
        

30. Notices. Notices shall be deemed delivered upon actual receipt by fax or upon deposit in the United States mail postage prepaid directed toAssignee Lessorand Lesà. '~

.attfi~ addresses s9t forth above or in any subsequent written notice to the other parties. Lessee shall immediately notify Assignee and Lessor as provided for herein of~si~i4~ ~ ~. change in the location of the Equtpment or in Lessee's address, name, phone or tax numbers, management,
financial condition or form of organization. 

31. Joint and Several. If more than one legal person is Lessee of the Equipment or Guarantor of the Lease, each shall be jointly, severally and primarily obligated to pay aN
amounts which become due under this Lease. 32. Power to Confess Judgment. Lessee hereby empowers any attorney of any court of record to appear for Lessee and, with or
without complaint filed ~ confess judgment, or a series of judgments, against Lessee In favor of AssIgnee or any holder hereof for the entire prIncipal balance of this Lease cii 's.; accrued interest and all other amounts due hereunder, together with costs of suit and an attorney's fee of the greater of ten percent (10%) of such prln~ .~ cipal and Interest or $1,000 added as a reasonable attorney's fee, and for doing so this Lease or a
copy veriflecf by affidavit shall be a sufficient warrant. Lessee hereby forever waives and releases all errors in said proceedings and all rights of appeal and all relief from any and all appraisement, stay or exemption laws of any state now in
force or hereafter enacted. No single exercise of the foregoing power to confess judgment, or a series of judgments shall be deemed to exhaust the power, whether or not any such exercise shall be held by any court to be Invalid, voidable, or void,
but the power shell continue undiminished and it may be exercised from time to time
as often as Assignee shall elect until such time as Assignee shall have received payment In full of the debt, interest and
costs. 

33. Miscelianeous. This Lease constitutes the entire agreement among Lessor, Assignee and Lessee relating to the Lease and Equipment
and supersedes all prior deal. irigs. THIS LEASE SHALL BE GOVERNED BY THE LAWS OF THE STATE IN WHICIl THE LESSEE IS INCORPORATED AS OF 1'H~ DATE OF THIS LEASE WlThOUT:~ REGARD TO ITS PRINCIPLES OF CONFLICTS OF LAWS including without limitation UCC
Articles 2A and 9as appropriate AND SHALL BE DEEMED EXECUTED AND PEAS FORMED IN THE STATE IN WHICH THE LESSEE IS INCORPORATED AS OF THE DATE OF THIS LEASE and deemed amended to the extent necessary to comply with any inconsistent law. If any
provision is nevertheless determined to be invalid by a court of compelent jurisdiction, the remaining provisions shall remain in effect. The captions in this Lease are for convenience only. Neuter gender and singular cases shall be construed as
appropriate to the parties. A copy of this Lease kept in the course of Assignee's business may be accepted as Lessor's original assigned to Assignee to perfect Assignee's security interest and may be accepted as best evidence in any action involving
this Lease. 

34. Business Purpose Statement. Lessee represents and warrants that the debt evidenced hereby arises out of a commercial obligation and an extension of credit for a commercial purpose. 

	
ASSIGNMENT

The assignment on page 1 is made pursuant to a certain Security and Loan Agreement or Dealer or Vendor Agreement between the Lessor named above and Assignee. [.essor hereby assigns
to Assignee all of Lessor's rights and remedies but none of its obligations under this Lease, together with the remaining Rent hereunder, Lessor's interest in the Equipment and any and all substitutions, modifications, replacements, additions,
accessions, attachments, products and proceeds of the Equipment, excluding: Lessor's right to receive payment by Lessee of either the Purchase Price for the Equipment pursuant to any purchase option in effect between the Lessor and the Lessee; or
the right to the return of the Equipment after all payments under the Lease have been made to the complete satisfaction of Assignee. Lessor further assigns all of Lessor's
rights under each Guaranty, and all other documents executed in connection with the Lease and the acquisition of the Equipment. The Lease assigned includes all schedules, tables, riders, renewals, extensions and amendments hereto. Lessee admits that
such assignment constitutes no material increase in Lessee's duties or risk. Lessee's obli~ gations under the Lease shall constitute a direct, independent and unconditional obligation of Lessee to Assignee. Lessee agrees that Assignee shall have all
Lessor's rights, privileges and remedies (whether or not expressly so stated in this Lease) and may exercise them either in its own name or in Lessor's name. Assignee may further assign its interest in the Lease and Equipment without notice to
Lessee. 

	
GUARANTY

In consideration of Assignee's financing the purchase of the Equipment, each Guarantor hereby unconditionally, irrevocably and absolutely guarantees, jointly and severally, II re
prompt and full payment and performance when due, by acceleration or otherwise, of all Lessee's obligations under the Lease from time to time (the Lease"), without offset or other deduction; consents, without notice, to all acts and omissions that
would or might otherwise impair or affect this Guaranty or on which this Guaranty might be conditioned including without limitation extension or modification of the Lease, replacement or release of any of the Equipment, and exercise or delay in
exercise or waiver of any right or remedy of Assignee; and agrees to pay on demand each cost and expense of Assignee in enforcing this Guaranty including without limitation attorneys' fees (including infernal counsel's fees) and disbursements. This
is a guaranty of payment not collection. The Assignee need not exhaust its remedies against any other obligor or guaranfor or resort to the Equipment before enforcing this Guaranty. Guarantor also waives presentment, demand for payment, protest, and
notice of dishonor, protest and non-payment. if ny am unt paid Assignee un er the Lease must be returned pursuant to any bankruptcy law, this Guaranty shall be automatically reinstated until all Lessees obligations to ~ i  II. Guaranty shall be governed
by the internal laws of the state in which the Lessee is incorporated as of the date :f this Lease. 

	
Guarantor Signature BARRY BROOKSTEIN 
        	
   	
Guarantor Signature 
        
	
 
        
	
 
        	
   	
 
        	
   	
 
        	
   	
ACKNOWLEDGMENT 
        
	
STATE OF ~ ~ 
        	
   	
---~-- 
        	
   	
 
        
	
SS:
        
	
COUNTY OF 
_____
- 
        	
   	
~ _~. 
        	
   	
 
        
	
On the 
        	
   	
day of 
        	
   	
in the year 20_ 
        	
   	
, before me personally came __________
-. 
        

to me known and known to me to be the person(s) described in and who executed the above instrument, and ~he (they jointly and severally) acknowledged to me that _he (they) executed the same. 

	
WITNESS my hand and seal the day and year aforesaid.

	
 
        	
   	
 
        	
   	
Notary Public 
        
	
 
        	
   	
 
        	
   	
My Commission Expires: 
        
	
STATE OF 
        	
   	
~ 
        	
   	
 
        
	
 
        	
   	
 
        	
   	
SS: 
        
	
COUNTY OF 
        	
   	
 
        	
   	
~ 
        
	
On the 
        	
   	
day of ~ . 
        	
   	
in the year 20 __, before me personally came 
        

to me known and known to me to be the person(s) described in and who executed the above instrument, and _he (they jointly and severally) acknowledged to me that .,_.he (they) executed the same. 

	
DSI.oo9 (7/01)

WITNESS my hand and seal the day and year aforesaid.

FOR M&T CREDIT CORPORATION USE ONLY Authorization Confirmed: 

	
Notary Public 

My Commission Expires:

	
Signature

	
DSi-009 (7/01)

	
OPTIONS OF' LESSEE 

$1.00 PURCHASE OPTION

Lease # between Bison Commercial
Leasing Corp~,Lessor

	
And____Spirits Management Inc. ,Lessee.

(full legal name of Lessee) 

Provided the Lease has not terminated early and no event of default under the
Lease has occurred and Is continued. Lessee shall have the following options: 

	
PURCHASE EQUIPMENT FOR $1.00

	
OR

	
RETURN EQUIPMENT TO LESSOR

	
Signature

	
DSi-009 (7/01)

Dec ~2 03 O5:O5p 

EQUIPMENT SCHEDULE "A" 

 LEASE# 012436 

I Iris Equipnienit Scirodule "A" is to ho attached to ~rrcl become fiart of that Schedule of t.oaqel
Fqrriprn~rrt dated AprIl 10 , 2002

	
APRIL 10, 
        	
   	
2t.tJ~ 
        	
   	
by and between the undersigned nml 
        
	
flISON COMMERCIAL LEASING CORP. 
        	
   	
(Lessorl. 
        
	
Q'~.
        
	
HESCIIII' liON 
        	
   	
 
        	
   	
MOl)i~LNO.~ ~SI~1~1ALN0. 
        
	
Vendor: ASN VOICE & DATA 
        	
   	
 
        	
   	
 
        
	
CORP. 130 PRATT OVAL 
        	
   	
 
        	
   	
 
        
	
GLEN COVE NY 11542 
        	
   	
(10) SEAT 
        	
   	
WORKsTA'rIoN DESK 
        

	
(3)         	
DRAWER FiLING CABINETS     
	 
	
(2)             	
DRAWER FILING CABINE'I'S       
	 
	
(4)             	
DRAWER FiLING CABINETS 
	 

EXECUTIVE DESKS - MAHOGANY WI~1' Ii CREDENZA ANt) HtJ'I'Cfl GREY EXECUTIVE CHAIRS (10) FORMICA WOOD L-SIIAPED DESKS

4 SHELF BOOKCASES PRESENTATION TV 

L-SUAPED BOOKCASE DESK 

CONFERENCE ROOM PREsEN'FA'rloN BOARD -WOOD BLACK 2 I)RAWER LOCKER 

CON FER.ENCE CART FORM I CA PARSOII TABLES WOOl) ROLLING FILE CARTS 

CANON FAX MACHINE SN: 34409 XEROX FAX MACHINE SN: 30001011() RT.COII FAX MACHINE
SN: 60600087 

BROTHERS PRINTER FAX SN:U56362E09822816 EXECUTIVE Ill-BACK LEATHER ChAiRS GRAY FOMLCA I)1SPLAY UN1'l' EXECUTiVE MAHOGANY SECRETARIAL I)ESKS LEATHER ARMEI) CIIA IRS 

CUSTOM FORMiCA CORNER S'I'ANDS 

ibis EquIpment Schedule "A" is i~eiei,y verified as correct iry the undersIgned Lessee, who acknowledges receipt of a copy.  Lessee: SPIRITS MANAGEMENT, INC. 

	
SIgnature:(~~ ~ ~ 1") 

 ~J3arry~.Brookstein

N:\MANDOC\ORIGINAL~S.DOCCODE: 0305

	
Dec ~2 03 O5 :O5 p 
        	
   	
 
        	
   	
 
        	
   	
 
        	
   	
 
        	
   	
 
        	
   	
 
        
	
 
        	
   	
Compan 
        	
   	
 
        	
   	
 
        	
   	
 
        	
   	
G.O.F. No. 
        	
   	
 
        
	
 
        	
   	
y 
        	
   	
 
        	
   	
 
        	
   	
 
        	
   	
(_~12b[ 
        	
   	
 
        
	
 
        	
   	
 
        	
   	
 
        	
   	
 
        	
   	
 
        	
   	
 
        	
   	
10-4 
        
	
REF. 
        	
   	
lease prOceeds Spirits Nngt #80626DATE 
        	
   	
 
        	
   	
 
        	
   	
 
        	
   	
 
        
	
 
        	
   	
,.: : 
        	
   	
 
        	
   	
 
        	
   	
 
        	
   	
 
        	
   	
.yI 
        
	
 
        	
   	
: ~ ,~1⁄4'- 
        	
   	
'r 
        	
   	
 
        	
   	
 
        	
   	
4/l5/02~~ 
        	
   	
 
        
	
 
        	
   	
ORDEROF. 
        	
   	
 
        	
   	
 
        	
   	
 
        	
   	
 
        	
   	
 
        
	
 
        	
   	
ASN Voice & Data 
        	
   	
- 
        	
   	
'~ -1 
        	
   	
 
        	
   	
r~ s-'- 
        	
   	
 
        
	
 
        	
   	
Corp 
        	
   	
 
        	
   	
 
        	
   	
 
        	
   	
 
        	
   	
 
        
	
 
        	
   	
 
        	
   	
 
        	
   	
 
        	
   	
- . -- 
        	
   	
" ~ ~*5o0(J1300*~ 
        	
   	
 
        
	
        	
        	
        	
        	
        	
        	
        	
        	

        	
        	

        	
        	
        
	
 
        	
   	
 
        	
   	
 
        	
   	
 
        	
   	
IGNATURES REQUIRED ON~ 
        	
   	
 
        
	
 
        
	
 
        	
   	
11?L ~? 2~O" ':o 2 
        	
   	
 
        	
   	
S6.'nL,2L L1l 
        	
   	
 
        
	
 
        	
   	
2OOOOL.~i: 
        	
   	
 
        	
   	
 
        	
   	
 
        	
   	
 
        	
   	
 
        
	
 
        	
   	
 
        	
   	
 
        	
   	
 
        	
   	
c~L 
        	
   	
 
        	
   	
 
        

litle: ~...PresIdenL

	
Dec ~2 03 O5 :O5 p 
        	
   	
 
        	
   	
 
        	
   	
 
        
	
 
        
	
 
        
	
130 
        	
   	
PRATT OVAL 
        	
   	
DATE 
        	
   	
INVOICE # 
        
	
GLEN COVE, NY 11542 
        	
   	
 
        	
   	
04/09/2002 
        
	
516 674-4600 * 516 676-2420 
        	
   	
80626 
        
	
.I.fl VOICE 
        	
   	
 
        	
   	
 
        
	
 
        
	
BILL TO 
        	
   	
 
        	
   	
JOB LOCATION 
        	
   	
 
        
	
 
        
	
Bison Commercial 
        	
   	
 
        	
   	
Spirits Management 
        	
   	
 
        
	
Leasing 
        	
   	
 
        	
   	
90 Pratt Oval 
        	
   	
 
        
	
560 Broadhollow Road 
        	
   	
 
        	
   	
Glen Cove, NY 11542 
        	
   	
 
        
	
Suite 201 
        	
   	
 
        	
   	
 
        	
   	
 
        
	
Melville, NY 11747 
        	
   	
 
        	
   	
 
        	
   	
 
        
	
 
        
	
 
        
	
vvJur~.rr 
        	
   	
I ~ 
        	
   	
 
        	
   	
 
        

litle: ~...PresIdenLExhibit 10.4

                              ALLIANCE AGREEMENT

      THIS  ALLIANCE   AGREEMENT  (this   "Agreement")  by  and  between  Call
Compliance  Inc.,  a New York  corporation  ("CCI"),  and  Illuminet  Inc.,  a
Delaware  corporation   ("Illuminet";   CCI,  together  with  Illuminet,   the
"Parties").

                             W I T N E S S E T H:
                             - - - - - - - - - -

      WHEREAS,  Call Compliance.com  Inc. ("CCC"),  the parent company of CCI,
has  developed  and patented  the Licensed  Patent (as such term is defined in
the "Patent License  Agreement"  among CCC, CCI, and Illuminet and dated as of
the Effective Date hereof);

      WHEREAS,  the  Parties  desire to set  forth  their  respective  rights,
duties and obligations concerning the development,  marketing and operation of
the Service (as such term is defined below);

      WHEREAS,  concurrently  with the execution of this Agreement,  CCC, CCI,
and  Illuminet  are entering  into the Patent  License  Agreement  pursuant to
which CCC will grant a non-exclusive  license to Illuminet to use the Licensed
Patent;

      NOW,  THEREFORE,  in consideration of the mutual promises and other good
and valuable  consideration,  the receipt and  sufficiency of which are hereby
acknowledged, the Parties agree as follows:

1.0   DEFINITIONS

Terms not  otherwise  defined  in the body of this  Agreement  shall  have the
following meanings:

"Carrier Customer" means a telecommunication carrier that has agreed to
commercial deployment of the Service.

"Dip" means a database transaction whereby a SS7 TCAP message is sent from a
Carrier Customer's switch to the Illuminet SCP during the switch's processing
of an outbound telemarketing call.  The SCP executes the Service logic in
order to determine the appropriate handling of the call in question (e.g.
complete the call normally, disconnect the call, route the call to an
announcement, etc.). The SCP replies to the switch with an SS7 TCAP message
containing the appropriate instructions for the disposition of the call in
question.

"Dip Charge"  means the fee charged by Illuminet  to a Carrier  Customer  each
time that Carrier Customer Dips the Service.

"Dip Charge  Revenue"  means the amount  determined by  multiplying  the total
monthly  number  of Dips to the  Service  that are made by  Carrier  Customers
times the applicable Dip Charge(s).

<PAGE>

"Illuminet  System"  refers  individually  and  collectively  to  all  of  the
databases,   servers,   software,   protocols,   specifications,    templates,
documents,  rules and  methodologies  that comprise the SCP Based  Application
but specifically excludes the Do Not Call List.

"Intellectual  Property  Rights"  means any and all (by whatever  name or term
known or  designated)  tangible and  intangible  rights now known or hereafter
existing in and to copyrights,  patents,  trade secrets,  trademarks,  service
marks,   tradenames,   know-how,  any  and  all  inventions,   discoveries  or
improvements,   and  any  other  intellectual  and  industrial   property  and
proprietary  rights, of every kind and nature throughout the world and however
designated,   and  including  all   registrations,   applications,   renewals,
extensions thereof.

"Service  Fees" means the amount of the Dip Charge Revenue that is retained by
Illuminet, which shall be calculated pursuant to Exhibit B, annexed hereto.

"SCP" stands for Service Control Point.

"SCP Based Application" means the SCP based software application,  acquired or
developed by Illuminet, which will perform and execute the Service.

"Service"  means the  service  described  more  fully in  Exhibit  A,  annexed
hereto.

"SS7" stands for Signaling System No. Seven.

"TCAP" stands for Transaction Capability Application Part.

 "Telemarketer"  means an enterprise  that  markets,  sells,  performs  market
research,  and/or makes  soliticitations  through  making  outbound  telephone
calls to businesses or consumers.

"Trademark" means any trade name,  trademark,  service mark, logo,  symbol, or
other product or service  designation of a Party,  including any abbreviation,
contraction, or simulation thereof that is shown on Exhibit D annexed hereto.

2.0   SCOPE/TERRITORY

This  Agreement  sets  forth the  terms of the  relationship  between  CCI and
Illuminet for the development,  marketing, and operation of the Service within
the United States.

3.0   DEVELOPMENT AND OPERATIONAL OBLIGATIONS

      3.1   Connectivity.  Illuminet  will work  together  with  each  Carrier
            Customer to design connectivity  between the SCP Based Application
            and such Carrier Customer's network.

      3.2   SCP Based Application.

            3.2.1 Illuminet will use its  commercially  reasonable  efforts to
                  acquire or develop,  operate, host, and maintain, at its own
                  cost,   a  SCP  Based   Application.   CCI   shall   provide
                  reasonable  assistance to Illuminet in  connection  with the
                  development  of the SCP  Based  Application,  to the  extent
                  requested by Illuminet.

                                       2
<PAGE>

            3.2.2 Illuminet's  targeted milestones relating to beta testing of
                  the SCP  Based  Application  and  commercial  launch  of the
                  Service are set forth in Exhibit C, annexed hereto.

            3.2.3 The Parties  agree that  Illuminet  shall  retain all rights
                  (including  all  Intellectual   Property   Rights),   title,
                  interest,  in the SCP Based  Application  and the  Illuminet
                  System.  The Parties  agree that CCI  acquires no license to
                  the SCP Based  Application  and/or the  Illuminet  System by
                  virtue of this Agreement.

      3.3   System  Traffic  Reports.   Illuminet  will  implement,  prior  to
            commencement   of  the  commercial   launch  of  the  Service,   a
            monitoring  and  reporting  system  that will  track the number of
            Dips  made to the SCP  Based  Application  by  Carrier  Customers.
            Intentionally deleted

      3.4   Do Not Call List.

            3.4.1 CCI  will  use  its  commercially   reasonable   efforts  to
                  develop,  manage,  maintain,   update,  and  otherwise  keep
                  current, at its own cost, the Do Not Call List.

            3.4.2 For the  purposes of this  Agreement  the "Do Not Call List"
                  means a master  list which  contains  i) an updated  list of
                  all of the telephone  numbers that are not to be called by a
                  given  Telemarketer,  which  includes  all  such  government
                  lists,    third   party   lists   (i.e.   Direct   Marketing
                  Association),     private    company    lists,    and    ii)
                  identification  information  related to a Carrier Customer's
                  subscribing  Telemarketers,  technical  preferences  related
                  to  a  Carrier  Customer's  subscribing  Telemarketers,  and
                  other   identifiers   related   to  a   Carrier   Customer's
                  subscribing Telemarketers.

            3.4.3 CCI shall provide to Illuminet the interface  specifications
                  necessary  to  integrate  the Do Not Call  List into the SCP
                  Based   Application  and  the  Parties  shall  jointly  work
                  together  to  successfully  integrate  the Do Not Call  List
                  into  the  SCP  Based   Application.   CCI  shall  regularly
                  update the Do Not Call List and send to  Illuminet  all such
                  updates in the form and  format  of,  and in the  intervals,
                  mutually agreed in writing by the Parties.

            3.4.4 For the  duration  of this  Agreement  and for any  survival
                  period  that may be  applicable  pursuant  to Section  12.16
                  (Survival)  of the  Patent  License  Agreement,  CCI  grants
                  Illuminet   a   non-exclusive,   license  to  use  the  data
                  contained  in the Do Not Call List for the  purposes of this
                  Agreement.

      3.5   Customer  Support.  Illuminet  will be  responsible  for  customer
            support  issues   relating  to  i)  setup  of  the  Service,   ii)
            connecting  to the  Service,  and iii) the SCP Based  Application.
            CCI will be responsible  for customer  support issues  relating to
            the Do Not Call List.

                                       3
<PAGE>

      3.6   Quality  Standards.  The Parties agree to perform their respective
            obligations  relating to the SCP Based  Application and the Do Not
            Call  List,  to  the  extent   reasonable  and   practicable,   in
            accordance with generally accepted industry standards.

4.0   SALES AND MARKETING

      4.1   CCI,  at its own  expense,  will use its  commercially  reasonable
            efforts to promote the  Service to  Telemarketers  throughout  the
            United States.

      4.2   Illuminet,   at  its  own  expense,   will  use  its  commercially
            reasonable  efforts to promote the Service to prospective  Carrier
            Customers throughout the United States.

5.0   CARRIER CUSTOMER CONTRACTS

      5.1   Prior to the commercial  launch of the Service,  the Parties shall
            work   together  to  develop  and  complete  a  contract  for  the
            provision  of the  Service  for Carrier  Customers  (the  "Carrier
            Contract"),  with terms and conditions that are mutually agreeable
            to both Parties.  Intentionally modified

      5.2   Illuminet  shall enter into a Carrier  Contract  with each Carrier
            Customer.

6.0   BILLING AND COLLECTION

      6.1   Illuminet  shall  use  its  commercially   reasonable  efforts  to
            collect  all monies  paid by  Carrier  Customers  for the  Service
            consistent with  Illuminet's  standards  (including using the same
            care and diligence) for other services it offers.

      6.2   Illuminet  shall  be  responsible  for  billing,  collecting,  and
            paying,  as applicable,  sales and any other  applicable  federal,
            state,  or  local  taxes  incurred  with  associated  with the Dip
            Charge Revenue  collected by Illuminet  under this Agreement ("Dip
            Charge Revenue Taxes").  Provided,  however,  Illuminet shall have
            the right to deduct the amounts  Illuminet  has paid in Dip Charge
            Revenue  Taxes  (not  including  any such  taxes  associated  with
            Service  Fees) from the Dip Charge  Revenue owed to CCI under this
            Agreement and Illuminet  shall provide CCI  documentation  of such
            Dip Charge Revenue Taxes in the applicable  Transaction  Statement
            (as such term is defined below).

      6.3   At the  end of each  calendar  month  Illuminet  shall  prepare  a
            statement  detailing all amounts invoiced to Carrier Customers for
            Dip   Charge   Revenue   during   such   month   (a   "Transaction
            Statement").   Illuminet  shall,   within   forty-five  (45)  days
            following  the  end of a  given  calendar  month  pay  CCI by wire
            transfer to an account  specified in writing by CCI the Dip Charge
            Revenue  invoiced by Illuminet for such calendar month that CCI is
            entitled   to  receive  as  set  forth  in  this   Agreement   and
            simultaneously  therewith,  provide  CCI a copy of the  applicable
            month's Transaction  Statement.  Illuminet shall have the right to
            deduct  from  the  Dip  Charge   Revenue  the  Service  Fees  that
            Illuminet is entitled to retain pursuant to  this Agreement.

                                       4
<PAGE>

      6.4   Illuminet  shall  have the  right to  deduct  from the Dip  Charge
            Revenue  owed to CCI under this  Agreement  amounts  from  Carrier
            Customers  that are written  off as  uncollectable  and  Illuminet
            shall provide CCI documentation of such  uncollectable  amounts in
            the  applicable  Transaction  Statement.   If  such  uncollectable
            amounts are  subsequently  collected by  Illuminet,  in part or in
            whole,  the  applicable  amount  shall  be  re-added  to the  next
            payment of Dip Charge Revenue owed to CCI.

7.0   EXCLUSIVITY

      7.1   For the duration of this Agreement and subject to the terms
            hereof, Illuminet agrees it will not enter into an agreement with
            any third party for the purpose of marketing to
            telecommunications carriers and their subscribing Telemarketers a
            service (other than the Service) that automatically blocks
            outbound calls made by such Telemarketers to consumers and
            businesses that are listed on government, third party (i.e.,
            Direct Marketing Association), and/or private company do not call
            lists.

      7.2   During the Exclusivity Period, CCI agrees that it shall not
            license any right under the License Patent to any third party
            that is not already licensed from the Effective Date of this
            Agreement until the earlier of the date Illuminet has received
            [intentionally deleted] of Service Fees, or December 31, 2003
            (the "Exclusivity Period").  Provided, however, the foregoing
            sentence shall not apply with respect to i) existing agreements
            (or any renewals of such agreements) CCI has with [intentionally
            deleted] as of the Effective Date of this Agreement, or ii) any
            telecommunications carrier whose use of the Licensed Patent is
            restricted to developing, marketing, operating, or providing a
            service similar to the Service exclusively to such
            telecommunications carrier's own subscribers (a "Carrier
            Competitor").

      7.3   Intentionally deleted

8.0   RECORDS AND ACCOUNTING

Illuminet shall keep and maintain true and accurate  records,  files and books
of  account  containing  all  the  data  reasonably   required  for  the  full
computation  and  verification  of the  amounts  paid  and to be  paid  to CCI
pursuant  to this  Agreement  for a six (6)  year  period  from the end of the
calendar  year  that  such  records,  files,  and/or  books  of  account  were
created.  Illuminet shall at all reasonable times and upon reasonable  advance
written  notice  of at  least  ten  (10)  business  days  permit  CCI  or  its
representatives  to  inspect  the  same for the  purpose  of  determining  the
amounts  payable by  Illuminet  pursuant  to this  Agreement.  The  inspection
shall occur only once in each  twelve (12)  consecutive  month  period.  If an

                                       5
<PAGE>

inspection  uncovers an underpayment error for the audited period,  (except to
the extent,  if any, that it is offset by  overpayment  errors as may be found
for  the  audited  period),  Illuminet  shall,  within  ten  (10)  days of the
conclusion  of such  inspection,  pay the amount of such  underpayment  error.
CCI shall bear the expenses of the inspection unless that inspection  uncovers
an  underpayment  error of  greater  than ten  percent  (10%) for the  audited
period,  in which case Illuminet  shall bear all such reasonable and customary
expenses.  All such  inspections  shall be conducted  during  normal  business
hours  and   pursuant   to   appropriate   written   commitments   from  CCI's
representatives  to maintain  any  information  obtained or  developed  in the
course of the audit as confidential  and to use such  information only for the
purpose of auditing  Illuminet's  compliance  with this Agreement and ensuring
that all monies to be paid are paid.

9.0   TRADEMARKS

      9.1    CCC hereby grants to Illuminet a limited, non-exclusive
            royalty-free right and license to use the CCC Trademarks shown on
            Exhibit D within the United States only in the form provided to
            Illuminet on Exhibit D and only to the extent necessary for
            Illuminet to market, advertise, and promote the Service within
            the United States.  The foregoing license shall automatically and
            immediately terminate upon the expiration or termination of this
            Agreement.

      9.2   Title to and ownership of all  CCC Trademarks and all
            Intellectual Property Rights thereto shall remain entirely with
            CCC and use of the such Trademarks shall be in conformance with
            applicable trademark usage policies established by CCI or CCC and
            provided to Illuminet in writing prior to the completion of
            Exhibit E, annexed hereto.   Illuminet shall take no action that
            is inconsistent with the ownership rights and benefits (including
            goodwill) accruing from use of the such Trademarks, all of which
            shall inure to the benefit of  CCC.

      9.4   VeriSign Inc. ("VeriSign"), hereby grants to CCI a  limited,
            non-exclusive, non-transferable, non-sublicensable, royalty-free
            right and license to use the VeriSign Trademarks shown on Exhibit
            D within the United States only in the form provided to CCI on
            Exhibit D  and only to the extent necessary for CCI to market,
            advertise, and promote the Service within the United States.  The
            foregoing license shall automatically and immediately terminate
            upon the expiration or termination of this Agreement.

      9.5   Title to and ownership of all  VeriSign Trademarks and all
            Intellectual Property Rights thereto shall remain entirely with
            VeriSign and use of the  such Trademarks shall be in conformance
            with applicable trademark usage policies established by Illuminet
            or VeriSign and provided to CCI in writing from time to time.
            CCI shall take no action that is inconsistent with the ownership
            rights and benefits (including goodwill) accruing from use of the
            such Trademarks, all of which shall inure to the benefit of
            VeriSign.

      9.6   Each Party may from time to time request, for quality control
            purposes, representative samples of materials
            incorporating/displaying the other Party's Trademarks or
            proprietary rights notices that are distributed or intended for
            distribution hereunder.  If either Party determines, in its sole

                                       6
<PAGE>

            discretion, that any of the foregoing does not meet such Party's
            trademark usage policies or procedures or is inconsistent with
            the rights granted in this Agreement, then such Party shall have
            the right to require that such deficiencies be cured prior to
            distribution or use of such materials.  If such deficiencies are
            not cured prior to distribution, such Party reserves the right to
            withdraw the other Party's permission to use such Party's
            Trademarks upon written notice to the other Party.  In addition,
            each Party shall promptly notify the other Party if such Party
            reasonably believes that a third party is infringing upon one or
            more of the other Party's Trademarks.  For the purposes of this
            Section 9.6 only, the term "Party" shall also include VeriSign
            and CCC, as applicable.

10.0  PROPRIETARY INFORMATION

      10.1  Identification  of  Proprietary  Information.  Each Party may make
            available  or  otherwise  disclose to the other  Party  during the
            negotiation  or performance  of this  Agreement  certain  business
            information,  including information that is proprietary to a third
            party.  Except as otherwise  stated herein,  all such  information
            shall be considered the confidential  and proprietary  information
            of the Party disclosing such information  ("Disclosing Party") if,
            when disclosed in writing,  it is clearly  marked as  confidential
            and/or  proprietary,  and if, when disclosed orally, it is clearly
            identified at the time of disclosure as being confidential  and/or
            proprietary ("Proprietary Information").  For the purposes of this
            Agreement,   "Receiving  Party"  shall  mean  the  party  and  its
            parties  to  whom  Proprietary   Information  is  disclosed  under
            Section 10.3 herein.

      10.2  Exclusions. Notwithstanding  anything  to  the  contrary  in  this
            Section 10, Proprietary  Information shall not include information
            that the  Receiving  Party can  demonstrate:  (i) was known to the
            Receiving  Party prior to  disclosure by the  Disclosing  Party as
            evidenced  by  documentation  that was in  existence  prior to any
            disclosure  by the  Disclosing  Party to the  Receiving  Party and
            that is free from any  obligation  to keep it  confidential;  (ii)
            was  independently   developed  by  the  Receiving  Party  without
            reference to or knowledge of the  Disclosing  Party's  Proprietary
            Information  as evidenced by  documentation  that was in existence
            prior to any disclosure by the  Disclosing  Party to the Receiving
            Party;  (iii) is within the public domain through no action on the
            part of the Receiving  Party as evidenced by  documentation;  (iv)
            was  received  from a third party who was under no  obligation  to
            keep  such  information  confidential;  or (v) was  authorized  in
            writing  by  the  Disclosing  Party  for  release  prior  to  such
            release.

      10.3  Permitted  Uses.  Neither  Party shall  disclose  the  Proprietary
            Information   of  the  other  Party,   except  to  its  directors,
            officers,  employees, agents, consultants and attorneys, and those
            of its  subsidiary  and  parent  entities  who have a need to know
            such  Proprietary  Information  for  negotiation or performance of
            this  Agreement or the Patent License  Agreement,  as the case may
            be, and who have agreed to maintain  the  confidentiality  of such
            Proprietary Information as provided herein ("Related Parties").

                                       7
<PAGE>

      10.4   Return  of  Proprietary  Information.  The  Disclosing  Party may
            request,  at any time,  that the Receiving Party return or destroy
            the  tangible   copies  and  erase  from  its   computer   systems
            ("Eliminate(d)")  the  Proprietary  Information  of the Disclosing
            Party,  unless such  Proprietary  Information  is critical for the
            Receiving Party to perform its  obligations  under this Agreement.
            Such request shall  describe  with  reasonable  particularity  the
            Proprietary  Information  to be  Eliminated.  Within  fifteen (15)
            days of receipt  of such a  request,  the  Receiving  Party  shall
            either Eliminate the Information  described in the request, or, if
            required  by  law  or   regulation   to  retain   copies  of  such
            Proprietary  Information,  notify  the  Disclosing  Party  of  and
            comply with such requirement.

      10.5  Discovery.  If a demand  under legal or  regulatory  authority  of
            competent  jurisdiction  or a requirement of law for the discovery
            or  disclosure  of  Proprietary  Information  is made known to the
            Receiving  Party,  the Receiving  Party shall give the  Disclosing
            Party notice of the demand or requirement  prior to disclosing the
            Proprietary  Information  and shall,  upon the  request and at the
            expense  of the  Disclosing  Party,  obtain  or  cooperate  in any
            efforts by the Disclosing  Party to seek  reasonable  arrangements
            to  protect  the  confidential  and  proprietary  nature  of  such
            Proprietary Information.

      10.6  Duration  of  Obligations.   The  obligations  described  in  this
            Section 10 shall subsist  during the term of this  Agreement,  and
            survive the  termination  of this  Agreement for a period of three
            (3)  years,   except  for  that  Proprietary   Information  marked
            "Sensitive Proprietary  Information," for which the obligations of
            this Section 10 shall  subsist  during the term of this  Agreement
            and survive the termination of this Agreement in perpetuity.

      10.7  Injunctive  Relief.  Both  Parties  agree  that a breach of any of
            the  obligations  set forth in this  Section 10 would  irreparably
            damage  and  create   undue   hardships   for  the  other   party.
            Therefore,  the non-breaching Party shall be entitled to immediate
            court  ordered  injunctive  relief to stop any apparent  breach of
            this  Section  10,  such  remedy  being in  addition  to any other
            remedies available to such non-breaching Party.

11.0  REPRESENTATIONS

Each of CCI and Illuminet represents to the other as follows:

      11.1  Each is a corporation  duly organized,  validly  existing,  and in
            good standing under the laws of its  jurisdiction of incorporation
            with all requisite corporate power, authority,  and legal right to
            own its property and conduct its business as now  conducted and as
            contemplated under this Agreement.

      11.2  Each is duly  qualified  to do  business in each  jurisdiction  in
            which the nature of its  properties or its business  requires such
            qualification  and  in  which  the  failure  to so  qualify  would
            materially adversely affect its business or financial condition.

                                       8
<PAGE>

      11.3  The  execution,   delivery,   and  performance  by  each  of  this
            Agreement  and  the   performance  by  each  of  its   obligations
            hereunder  (i) are within their  respective  power and  authority;
            (ii) has been duly authorized by all necessary  action on the part
            of their respective  governing  bodies;  (iii) will not contravene
            any provision of law or  regulation,  or any writ or decree of any
            court  or  governmental   instrumentality   or  their   respective
            jurisdictions of  incorporation or other agreement of either,  and
            (iv) will not  conflict  with or result in a breach of or  default
            under  (with or without  notice or lapse of time),  any  contract,
            agreement,  indenture,  mortgage,  deed of trust,  lease, or other
            instrument  to  which  either  Party  is  bound  or any  of  their
            respective assets are subject.

      11.4  This  Agreement has been duly executed and delivered by each Party
            and  constitutes the valid,  legal and binding  obligation of each
            Party, enforceable in accordance with its terms.

      11.5  As of the  Effective  Date,  no  approval or consent of, or filing
            with,  any  governmental  authority  is required to be obtained or
            effected  by  either  Party  in  connection  with  its  execution,
            delivery, and performance of this Agreement.

      11.6  As  of  the  Effective  Date,  there  is no  pending  or,  to  its
            knowledge,  threatened action, suit or proceeding or investigation
            before   any   court,   board  of   arbitration   or   arbitrator,
            governmental body, agency,  instrumentality or official against or
            affecting  either  Party,  the  outcome  of  which,  if  adversely
            determined,  would have a material  adverse  effect on the ability
            of  either  Party to fully  perform  its  obligations  under  this
            Agreement.

      11.7  Neither  Party  is a  party  to any  agreement  or  instrument  or
            subject to any restriction  having a materially  adverse effect on
            its ability to perform its obligations under this Agreement.

      11.8  As of the  Effective  Date,  neither Party is in default under any
            applicable  order,  writ,  injunction,  or  decree  of any  court,
            governmental  department,  board or agency or  instrumentality  of
            any arbitrator.

      11.9  Each  Party  has  obtained  or shall  obtain  in  respect  of this
            Agreement and the transactions  contemplated  hereby,  on or prior
            to  the  date  hereof,  all  governmental   permissions,   rights,
            licenses  and  permits,  if any,  to  carry  out the  transactions
            contemplated  thereby.  Neither  Party has received  notice of any
            violation of any applicable law, regulation,  order or requirement
            which would have a materially  adverse effect on the  transactions
            contemplated  by this  Agreement,  and which has not been complied
            with or corrected in all material respects.

      11.10 EXCEPT AS  SPECIFICALLY  SET FORTH HEREIN OR IN THE PATENT LICENSE
            AGREEMENT,  NEITHER PARTY MAKES ANY  REPRESENTATIONS OR WARRANTIES
            OF ANY KIND, EXPRESS OR IMPLIED,  WITH RESPECT TO THE SERVICE, THE
            FUNCTIONALITY, PERFORMANCE OR RESULTS OF USE THEREOF.

                                       9
<PAGE>

12.0  INDEMNITY

      12.1  Except as otherwise stated herein,  each Party (the  "Indemnifying
            Party") will defend,  indemnify  and hold harmless the other Party
            (the "Indemnified  Party") from and against any loss, cost, claim,
            liability,  damage, and expense (including  reasonable  attorney's
            fees)   brought  or  claimed  by  third   parties   (collectively,
            "Claims"),  arising out of negligence or misconduct or omission by
            the Indemnifying  Party, its employees,  agents, or contractors in
            the  performance of this Agreement.  The  Indemnified  Party shall
            notify the  Indemnifying  Party  promptly in writing of any Claims
            for which the  Indemnified  Party  alleges  that the  Indemnifying
            Party is responsible  under this Section 12 and tender the defense
            of such Claims to the Indemnifying  Party.  The Indemnified  Party
            shall  cooperate  in every  reasonable  manner with the defense or
            settlement  of such Claims at the  Indemnifying  Party's  expense.
            The  Indemnifying  Party shall not be liable under this Section 12
            for settlements by the Indemnified  Party of any Claims unless the
            Indemnifying  Party has  approved  the  settlement  in  advance or
            unless  the  defense  of such  Claims  has  been  tendered  to the
            Indemnifying  Party in  writing  and the  Indemnifying  Party  has
            failed to promptly undertake the defense.

      12.2  Intentionally deleted

      12.3  Intentionally deleted

      12.4  Intentionally deleted.

13.0  LIMITATION OF LIABILITY

EXCEPT AS PROVIDED  IN SECTION 12  HEREINABOVE,  NEITHER  PARTY SHALL HAVE ANY
LIABILITY  TO THE OTHER  PARTY  WITH  RESPECT TO THIS  AGREEMENT  FOR ANY LOST
INCOME  OR  PROFITS  OR ANY  INDIRECT,  SPECIAL,  PUNITIVE,  CONSEQUENTIAL  OR
INCIDENTAL DAMAGES OF ANY KIND WHATSOEVER,  EVEN IF IT HAS BEEN ADVISED OF THE
POSSIBILITY OF SUCH DAMAGES.

14.0  DISPUTES

      14.1  Informal  Resolution.  The Parties  agree that they shall  attempt
            to resolve any dispute regarding any right,  obligation,  duty, or
            liability  arising out of the provisions of this Agreement through
            informal  discussions or negotiations prior to resorting to formal
            dispute  resolution  procedures  contained in Section 14.2  below.
            If,  at  any  time   following  the   commencement   of  any  such
            discussions  or   negotiations,   either  Party   determines  such
            discussions  or  negotiations  are  not  likely  to  result  in  a
            reasonable  resolution  of the  dispute,  it may send to the other
            Party  a  written  statement  of  the  issues  or  problems  being
            discussed  or  negotiated  ("Dispute  Statement").  If the dispute
            has not been resolved  within thirty  (30) days  after the mailing
            of the  Dispute  Statement,  either  Party shall have the right to
            serve a written demand for arbitration  upon the other and thereby
            commence  binding  arbitration  in accordance  with the provisions
            set forth  below.  The  mailing of the Dispute  Statement  and the
            passage of thirty  (30) days  from the date of the mailing of such
            Dispute   Statement   shall  be   conditions   precedent   to  the
            commencement of any arbitration proceedings hereunder.

                                       10
<PAGE>

      14.2  Binding Arbitration.

            Within five (5) business days of delivery of a demand,  each Party
            shall  designate an  arbitrator.  The two  designated  arbitrators
            shall  then  select  a  third  arbitrator  to  complete  the  full
            arbitration  panel  within   twenty (20)   business  days,  or  as
            otherwise agreed.

            The  arbitration   panel  shall  commence   hearing  within  sixty
            (60) days  of the  selection  of the panel.  The scope of document
            production  and  the  enforcement  of  document  requests  may  be
            ordered  by  the   arbitrators   to  the  extent   economical  and
            reasonable.  All  discovery  requests  shall  be  subject  to  the
            proprietary  rights  of the  Parties,  and the  arbitrators  shall
            adopt procedures to protect such rights.  Except where contrary to
            the  provisions  set  forth in this  Agreement,  the  rules of the
            American   Arbitration   Association  ("AAA")  shall  be  applied;
            provided,  however,  that the  arbitration  need not be  conducted
            under the  auspices of the AAA, in which event the fee schedule of
            the AAA shall not apply.  The Parties  agree that the  arbitration
            panel  shall have the  authority  to order  injunctive  relief and
            such  order  shall  be   enforceable   by  a  court  of  competent
            jurisdiction.

            All costs of  arbitration  and any award of attorney's  fees shall
            be awarded  pursuant to the  provisions  of Section  18.14 of this
            Agreement.

      14.3  Time  Limitations.   The  provisions  of  this  Section  14  shall
            survive the  termination of this  Agreement.  The  commencement of
            formal  dispute  resolution  procedures  (i.e.,  the delivery of a
            Dispute  Statement),  or any other action in law or equity arising
            out of this  Agreement,  may not occur more than  three  (3) years
            after the event giving rise to the dispute has occurred.

15.0   TERM; TERMINATION

      15.1  The initial term (the "Initial  Term") of this Agreement  shall be
            five  (5) years  from the date hereof.  At the  expiration  of the
            Initial  Term,  this  Agreement  shall extend for  successive  one
            (1) year  terms (each a "Renewal  Term") unless either Party shall
            have  delivered  to the  other  Party a notice of  termination  at
            least  90 days  prior to  expiration  of the  Initial  Term or the
            applicable Renewal Term.

      15.2  Termination.   Notwithstanding   the  above   Section 15.1,   this
            Agreement may be terminated by:

            15.2.1  The  non-defaulting  or non-breaching  Party, if the other
                    Party   otherwise   defaults  in  the  performance  of  or
                    materially   breaches  any  of  the   provisions  of  this
                    Agreement,   with  the   default   or  breach   continuing
                    unremedied  for a period of thirty (30) days after receipt
                    of   written   notice   from   the    non-defaulting    or
                    non-breaching  Party to the Party in  default  or  breach,
                    specifying  in  reasonable   detail  the  nature  of  such
                    default or breach.

                                       11
<PAGE>

            15.2.2  Intentionally deleted

            15.2.3  Upon  the  mutual  written  agreement  of the  Parties  to
                    terminate this Agreement.

            15.2.4  Intentionally deleted

      15.3  In the event that the Licensed  Patent is determined to be invalid
            or unenforceable  this Agreement shall continue in accordance with
            the terms herein.

16.0  TRANSITION PERIOD FOLLOWING TERMINATION

Following any termination of this Agreement in which any Carrier Contract
remains in effect, the Parties shall work together for a period of six (6)
months to ensure a seamless transition of operations and customer support for
the Service.  The Parties shall work together to ensure that the provision of
the Service remains uninterrupted and that the Service operates in the
ordinary course of business during such six (6) month period.

17.0  WAIVER

The waiver of a breach of any of the terms hereof or of any default hereunder
shall not be deemed a waiver of any subsequent breach or default, whether of
the same or similar nature, and shall not in any way affect the other terms
thereof.  No waiver or modification hereof shall be valid or binding unless
in writing and signed by the Parties.

18.0  GENERAL PROVISIONS

      18.1  Notice.  All notices, demands and statements to be given under
            this Agreement will be made in writing and shall be deemed given
            three (3) days after deposit thereof in the U.S. Mail, postage
            prepaid, and addressed as follows:

                  If to CCI:

                        Call Compliance Inc.
                        Attention:  Alison Garfinkel
                        90 Pratt Oval
                        Glen Cove, New York 11542

                                       12
<PAGE>

                  With a copy to:

                        Cadwalader, Wickersham & Taft
                        100 Maiden Lane
                        New York, NY 10038
                        Telephone:(212) 504-5555
                        Facsimile:(212) 504-6666
                        Attention:  Dennis J. Block, Esq.

                  If to Illuminet:

                        Illuminet Inc.
                        Attention:  Contract Administration
                        4501 Intelco Loop S.E.
                        Olympia, WA 98507

            A change of address for the giving of notice  shall be made in the
            same manner as the giving of notice.

            Any notice given by facsimile  transmissions  shall be followed by
            a hard copy thereof sent in the manner set forth above,  and shall
            be deemed given upon receipt of  confirmation  of  transmission of
            facsimile.

      18.2  Assignment.  Neither  Party may assign  its rights or  obligations
            under this Agreement,  in whole or in part, by operation of law or
            otherwise,  without the prior express written consent of the other
            Party.  Any  purported  assignment  in  violation  of this article
            shall be null and void.  Notwithstanding  any other  provision  in
            this Agreement,  either Party may assign this Agreement,  in whole
            or in  part,  to any  entity  acquiring  substantially  all of the
            stock  or  assets  of  such  Party  or to  the  surviving  company
            pursuant to a merger.

      18.3  Conformity    to   Laws,    Rules,    Regulations    and   Orders.
            Notwithstanding any other provision of this Agreement,  each Party
            agrees  to  perform  all  of  its  obligations  and   undertakings
            prescribed  in this  Agreement in compliance  with all  applicable
            laws,  orders,  rules and regulations  that may affect the matters
            covered by this Agreement.

      18.4  Construction.  This Agreement is the product of negotiation  among
            the Parties and their  respective  counsel.  This Agreement  shall
            be interpreted  fairly in accordance with its terms and conditions
            and without  any strict  construction  in favor of any party.  Any
            ambiguity shall not be interpreted against the drafting party.

      18.5  Entire  Agreement.  This  Agreement,  together  with the  attached
            exhibits,  and together with the Patent License Agreement embodies
            the entire  understanding  and  agreement  between the Parties and
            supersedes  any prior  understanding  and  agreement  between  and
            among them  respecting  the subject  matter  hereof.  There are no
            representations,  agreements, arrangements or understandings, oral
            or written,  between the  Parties  hereto  relating to the subject
            matter of this Agreement,  which are not fully expressed herein or
            in  the  Patent  License  Agreement.   No  change,   modification,
            extension,  termination or waiver of this Agreement, or any of the
            provisions  herein,  shall be valid  unless  made in  writing  and
            signed by duly authorized representatives of the Parties.

                                       13
<PAGE>

      18.6  Conflict.  If there is a conflict  between this  Agreement and the
            exhibits  attached  hereto,  such  exhibit  will  prevail.  In the
            event of a  conflict  between  the  terms and  conditions  of this
            Agreement  and the  terms and  conditions  of the  Patent  License
            Agreement,   the  terms  and  conditions  of  the  Patent  License
            Agreement shall control.

      18.7  Governing Law. This Agreement shall be construed,  interpreted and
            the rights of the Parties  determined in accordance  with the laws
            of the  Commonwealth  of Virginia,  without regard to the conflict
            of law principles thereof.

      18.8   Venue.  Any  arbitration  or other  judicial  proceeding  brought
            with  respect  to this  Agreement  must be  brought  in the  state
            courts  sitting in Fairfax  County,  Virginia and by execution and
            delivery  of this  Agreement,  each  signatory  hereto  (i) hereby
            submits  to  and  accepts,  generally  and  unconditionally,   the
            exclusive  jurisdiction  of such courts and any related  appellate
            court,  and  irrevocably  agrees  to  be  bound  by  any  judgment
            rendered  thereby  in  connection  with  this  Agreement  and (ii)
            irrevocably  waives any objection it may now or hereafter  have as
            to the venue of any such  suit,  action or  proceeding  brought in
            such a court or that such court is an inconvenient forum.

      18.9  Headings.  The  titles  of the  Sections  in  this  Agreement  are
            inserted merely for convenience and  identification and are not to
            be used in the interpretation or construction of this Agreement.

      18.10 No  Agency.   Nothing   contained  in  this  Agreement   shall  be
            construed  as making  either Party the  partner,  joint  venturer,
            agent,  or  employer/employee  of the other.  Neither  Party shall
            have the  authority to make any  statements,  representations,  or
            commitments  of any kind,  or to take or omit to take any  action,
            which  shall  be  binding  on the  other,  except  and  unless  as
            expressly  and  explicitly  provided for herein or  expressly  and
            explicitly authorized in writing by the Party to be bound.

      18.11 Original  Agreement.  This  Agreement  may be  executed  in one or
            more counterparts,  each of which shall be deemed an original, but
            all  of  which  together   shall   constitute  one  and  the  same
            instrument.

      18.12 Publicity.  Any press release  issued by a Party  describing  this
            Agreement or otherwise  referencing  the Parties to this Agreement
            shall be  subject  to the  prior  written  approval  of the  other
            party,  which approval (or disapproval)  shall not be unreasonably
            delayed.

      18.13 Severability.   Any   provision   of  this   Agreement   which  is
            prohibited or unenforceable in any jurisdiction  shall, as to such
            jurisdiction,  be ineffective to the extent of the  prohibition or
            unenforceability  without  invalidating  the remaining  provisions
            hereof,  and shall not  invalidate  or render  unenforceable  such
            provision in any other  jurisdiction.  In the event any  provision
            or  portion  in this  Agreement  is held  to be  unenforceable  or
            invalid by a court of  competent  jurisdiction,  the  validity and
            enforceability  of the  remaining  portion  of any such  provision
            and/or the  remaining  provisions of this  Agreement  shall not be
            affected thereby.

                                       14
<PAGE>

      18.14 Removed.

      18.15 Force  Majeure.  Neither  party shall be deemed in default of this
            Agreement to the extent that  performance  of its  obligations  or
            attempts to cure any breach are delayed,  restricted  or prevented
            by reason of any act of God, fire, natural disaster,  governmental
            regulations,  or other  causes  arising out of a state of national
            emergency  or war  ("Force  Majeure  Event"),  provided  that such
            party gives the other party written notice  thereof  promptly and,
            in any event,  within  thirty (30) days of  discovery  thereof and
            uses its best  efforts  to cure the delay and one party so informs
            the  other  in  writing  of  such  causes  and  its  desire  to be
            released.  In the event  that any  Force  Majeure  Event  prevents
            either  party  from  carrying  out  its  obligations   under  this
            Agreement  for a period of more than thirty  (30) days,  the other
            party may terminate  this  Agreement upon thirty (30) days written
            notice without liability.

      18.16 Amendments.  This  Agreement  may be amended only by an instrument
            in writing  signed by an authorized  representative  of each party
            subsequent to the Effective Date of this Agreement.

      18.17 Insurance.  CCI  shall  at all  times  during  the  term  of  this
            Agreement,  at its own cost and  expense,  carry and  maintain the
            insurance coverage listed below.

            Workers' Compensation  Insurance with statutory limits as required
            in the state(s) of operation;  and providing  coverage for any CCI
            employee entering onto Illuminet's premises,  even if not required
            by  statute.  Employer's  Liability  insurance  with limits of not
            less than $100,000 each accident.

            Commercial General Liability  Insurance covering claims for bodily
            injury,  death,  personal injury or property  damage  occurring or
            arising  out of  the  performance  of  this  Agreement,  including
            coverage for independent  contractor's protection (required if any
            work     will     be     subcontracted),      premises-operations,
            products/completed  operations,  and  contractual  liability  with
            respect to the liability  assumed by CCI hereunder.  The limits of
            insurance shall not be less than:

                  Each Occurrence                           $1,000,000
                  General Aggregate Limit                   $2,000,000
                  Personal and Advertising Injury Limit     $1,000,000

            The insurance  limits required herein may be obtained  through any
            combination   of  primary   and  excess  or   umbrella   liability
            insurance.  Upon Illuminet's  written  request,  CCI shall forward
            to Illuminet certificate(s)of such insurance.

                                       15
<PAGE>

      18.19 Survival.  Any  termination of this Agreement  shall not discharge
            either party from any right,  duty,  obligation or liability  that
            arose  or   occurred   prior  to  the   effective   date  of  such
            termination.  Sections  1, 8, 10,  12,  13,  14,  16, and 18 shall
            survive any termination of this Agreement.

      18.20 Incorporation  by  Reference.  Exhibits  A, B, C, D, and E annexed
            hereto  are  respectively  by each  and  every  reference  thereto
            incorporated herein by reference.

                                       16
<PAGE>

IN WITNESS  WHEREOF,  this  Agreement  has been  executed for and on behalf of
each party by and through its  authorized  representative  to be effective the
date of last signature hereto (the "Effective Date").

      Each  party  represents  and  warrants  that  it has  not  altered  this
Agreement  in any manner  other than as agreed to in writing by the Parties or
as an inter-delineation initialed by both Parties.

      The  signatories  to this  Agreement  hereby  warrant and represent that
they have the  authority to execute this  Agreement on behalf of the entity or
entities for which they sign.

                                       # # #

CALL COMPLIANCE, INC. ("CCI")             ILLUMINET INC. ("ILLUMINET")

By:______________________________         By:___________________________

Name:____________________________         Name:________________________

Title:_____________________________       Title:_________________________

Date:_____________________________        Date:_________________________

CALL COMPLIANCE.COM INC. ("CCC")    VERISIGN INC.  ("VERISIGN")

Solely with respect to Section 9.0              Solely with respect to
Section 9.0

By:__________________________             By:__________________________
Name:________________________             Name:________________________
Title:_________________________           Title:_________________________
Date:_________________________            Date:_________________________

                                       17
<PAGE>

                                                                     Exhibit A

                     SERVICE DESCRIPTION--revised language

The Service is an AIN (Advanced Intelligent Network) service, which is
resident on a SCP (Service Control Point) located within the Illuminet SS7
network. The Service provides telecommunication carriers, who utilize SS7,
the ability to offer a do-not-call (DNC) solution to their subscribing
Telemarketers.  Such Telemarketer  may order the Service from its
telecommunication carrier.  A Telemarketer who has ordered the Service will
have the ability to Dip the Service to ascertain whether a given telephone
number is listed in the Do Not Call List.  The Service provides the
Telemarketer i) a method to stop or block outbound telephone calls to
telephone numbers that are listed in the Do Not Call List, and ii) an
enhanced ability to comply and adhere to do-not-call related rules and
regulations.

<PAGE>

                                                                     Exhibit C

                                  MILESTONES

Beta testing of the SCP Based Application is targeted to begin within ninety
(90) days from the Effective Date of this Agreement.

Commercial launch of Service is targeted to begin within one hundred and four
(104) days from the Effective Date of this Agreement.

                                       2
<PAGE>

                                                                     Exhibit D

                             VERISIGN TRADEMARKS

[VeriSign Logo]

                                CCC TRADEMARKS

[CallCompliance Logo]

[Teleblock Logo]

CampaignListManager(SM)

                                       3
<PAGE>

                                                                     Exhibit E

                           SAMPLE CARRIER CONTRACT
                     (to be attached upon its completion)

                                       4

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