| • | Rates are subject to international carrier rates and may change without notice |
| • | Service fee of 10 cents is charged on the day when the phone card is first used and every 7 days thereafter |
| • | Calls are charged in 5 minute blocks |
| • | Final call charges rounded up to the nearest 5 cents |
| • | A disconnection fee of 10 cents applies for every call greater than 5 minutes |
| • | Higher charges will apply to operator assisted calls, calls to satellite phones and calls to special or premium services. |
| • | Calls to nationwide 1300 access numbers incur an additional per minute surcharge of 15 cents for calls from landline phones & additional charges will apply for calls to nationwide 1300 access numbers made from mobiles & pay phones. |
| • | Calls to 1800 access numbers incur 20 cents per minute surcharge. |
| • | Higher charges may apply for calls to mobile phone in some destinations. |
| • | Calls to satellite phones and fax services may be blocked |
| • | Calls to special or premium services may be blocked. |
| • | The advertised rates are only applicable for calls made on the Joy phone card. |
| • | USA rate does not apply to Hawaii and Alaska. |
| • | Local or mobile phone charges will apply, and are billed by your phone carrier. |
| • | All fees are applied at the end of the call. |
| • | The $10 card has a validity of 3 months from first use or last recharge. |
| • | Please check the rate table that some countries have additional connection fee. |
| • | For regular updates of our products and services, full terms and conditions and a list of current rates, fees and charges for all countries you can call on the Joy card please contact the Customer Service Centre on 1300 652 184. |