Calling codes may be used to place calls within the 50 United States and District of Columbia, Puerto Rico, Canada, Belize, Costa Rica, El Salvador, Guatemala, Honduras, Nicaragua and Panama. International calls to countries other than those listed above will be accepted but the user will receive fewer than ten (10) minutes. Exact minute count will vary by country. Use of the Calling Card to mobile phones in Belize, Costa Rica, El Salvador, Guatemala, Honduras, Nicaragua and Panama will not provide ten (10) minutes of pre-paid phone time; calls to mobile phones in these locations will decrease the number of available pre-paid minutes by fifty percent (50%). Telephone calls can be made to Cuba; however, the number of available pre-paid minutes will decrease by 67%, i.e. ten (10) minutes of pre-paid phone time will only allow a 3 minute call to Cuba. Other terms, conditions and restrictions apply.