SPECIAL NOTES

All calls billed in 6 second increments - 60 second minimum. There are NO connection or service fees! The charge per minute is first multiplied by the total duration of your call and the resulting amount is then rounded upward to the nearest cent.

NOTE TO CELL PHONE USERS

Although access to our system is available from your cell phone through the CST Dial-Around toll free numbers, your cell phone provider may/or may not charge you AIR TIME and other CHARGES. Cognigen is not responsible for the particular contract items related to what your cell phone provider is allowed to charge. Please make sure you know what your cell phone service plan states regarding this issue.

ABOUT RATES

Please be advised that in order to maximize call quality we must sometimes change our underlying domestic and international carriers. As a result, the cost of our new routes will be reflected in the rates that are forwarded to you. For this reason, we would like you to know up front that rates are subject to change without notice. Please make sure to check your personalized web page for the latest rates. CST takes rate changes seriously and will only make them if absolutely necessary.

TAXES FOR US RESIDENTS

There are no monthly fees or hidden costs. However, there are two taxes that CST is required by law to charge. The first is a 3% Federal Excise Tax charged to US residents only. This is based on the monthly invoiced amount. For more information please read IRS TAX FORM 720. The second is a 9.7% Universal Service Fund Tax charged to all US resident telecommunications customers. This is based on the monthly invoiced amount. For more information please visit web site www.universalservice.org ( 973-560-4400 ). CST does not profit from the collection of taxes. Federal Excise Taxes are collected by CST and passed on to our good friends at the United States Internal Revenue Service... Universal Service Fund Taxes are collected by CST and passed on to our other friends at the Universal Service Administration ( Part of the FCC ).

HOW THE USAGE LIMIT WORKS

Whenever you come within 90 percent of your limit your CogniDial account is MARKED to be charged. Your card will not be charged right away. CST processes credit card charges several times in a day. Payment processing can take up to 8 hours. If you exceed your limit before we can charge your card, only that particular ANI line will be temporarily deactivated until payment has been processed successfully. To avoid temporary deactivation we strongly suggest that you increase your ANI limit to the estimated monthly usage amount. In addition, if your ANI Line Usage limit is too low you may end up with multiple charges to your credit card for a single month.