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                                   Before the

                       Federal Communications Commission

                             Washington, D.C. 20554


                             )                               
                                                             
                             )   File No. EB-02-TC-193       
     In the Matter of                                        
                             )   NAL/Acct. No. 200732170069  
     QuoteMaster USA, Ltd.                                   
                             )   FRN No. 0016773566          
                                                             
                             )                               


                                     ORDER

   Adopted: August 31, 2010 Released: September 27, 2010

   By the Commission:

   1. In this Order, we adopt the attached Consent Decree entered into
   between the Federal Communications Commission ("Commission") and
   QuoteMaster USA, Ltd. ("QuoteMaster"). The Consent Decree terminates an
   investigation and Notice of Apparent Liability for Forfeiture ("NAL") by
   the Commission against QuoteMaster for possible violations of section 227
   of the Communications Act of 1934, as amended (the "Act") and the
   Commission's related rules and orders regarding delivery of unsolicited
   advertisements to the telephone facsimile machines of consumers.

   2. The Commission and QuoteMaster have negotiated the terms of the Consent
   Decree that resolve this matter. A copy of the Consent Decree is attached
   hereto and incorporated by reference.

   3. After reviewing the terms of the Consent Decree and evaluating the
   facts before us, we find that the public interest would be served by
   adopting the Consent Decree, which terminates the investigation and
   cancels the NAL.

   4. In the absence of material new evidence relating to this matter, we
   conclude that our investigation raises no substantial or material
   questions of fact as to whether QuoteMaster possesses the basic
   qualifications, including those related to character, to hold or obtain
   any Commission license or authorization.

   5. Accordingly, IT IS ORDERED that, pursuant to sections 4(i) and 503(b)
   of the Communications Act of 1934, as amended, the Consent Decree attached
   to this Order IS ADOPTED.

   6. IT IS FURTHER ORDERED that the above-captioned investigation IS
   TERMINATED and the Notice of Apparent Liability for Forfeiture IS
   CANCELLED.

   7. IT IS FURTHER ORDERED that all third-party complaints against
   QuoteMaster before the Commission  related to the
   above-captioned-investigation as of the date of this Consent Decree ARE
   DISMISSED.

   8. IT IS FURTHER ORDERED that QuoteMaster shall make its voluntary
   contribution to the United States Treasury, as specified in the Consent
   Decree, by credit card through the Commission's Revenue and Receivables
   Operations Group at (202) 418-1995, or by mailing a check or similar
   instrument payable to the Order of the Federal Communications Commission,
   to Federal Communications Commission, P.O. Box 979088, St. Louis, MO
   63197-9000. Payment by overnight mail may be sent to U.S. Bank -
   Government Lockbox #979088, SL-MO-C2-GL, 1005 Convention Plaza, St. Louis,
   MO 63101. Payment by wire transfer may be made to ABA Number 021030004,
   receiving bank Federal Reserve Bank of New York, and account number
   27000001. QuoteMaster will also send electronic notification on the date
   said payment is made to Johnny.Drake@fcc.gov.

   9. IT IS FURTHER ORDERED that pursuant to paragraph 9(m) of the Consent
   Decree, QuoteMaster will file reports with the Commission sixty (60) days
   after the Effective Date, and every one hundred eighty days (180)
   thereafter. QuoteMaster's reporting requirement shall end after the fifth
   report is submitted to the Commission. All reports shall be submitted to
   Chief, Telecommunications Consumers Division, Enforcement Bureau, Federal
   Communications Commission, 445 12th Street, S.W., Washington, D.C. 20554.

   10. IT IS FURTHER ORDERED that a copy of this Order and Consent Decree
   shall be sent by first class mail and certified mail, return receipt
   requested, to Frank G. Lamancusa, Esq., Counsel for QuoteMaster, Bingham
   McCutchen, LLP, 2020 K Street NW, Washington, DC 20006-1806.

   FEDERAL COMMUNICATIONS COMMISSION

   Marlene H. Dortch

   Secretary

                                   Before the

                       Federal Communications Commission

                             Washington, D.C. 20554


                             )                               
                                                             
                             )   File No. EB-02-TC-193       
     In the Matter of                                        
                             )   NAL/Acct. No. 200732170069  
     QuoteMaster USA, Ltd.                                   
                             )   FRN No. 0016773566          
                                                             
                             )                               


                                 CONSENT DECREE

   The Enforcement Bureau ("Bureau") and QuoteMaster USA, Ltd. ("QuoteMaster"
   or the "Company"), by their authorized representatives, hereby enter into
   this Consent Decree for the purpose of cancelling the Notice of Apparent
   Liability ("NAL") and terminating the Bureau's investigation into whether
   QuoteMaster violated section 227 of the Communications Act of 1934, as
   amended (the "Act"), and the Commission's related rules and orders
   regarding delivery of unsolicited advertisements to the telephone
   facsimile machines of consumers.

   I. DEFINITIONS

   1. For the purposes of this Consent Decree, the following definitions
   shall apply:

    a. "Act" means the Communications Act of 1934, as amended, 47 U.S.C.
       S: 151 et seq.

    b. "Bureau" means the Enforcement Bureau of the Federal Communications
       Commission.

    c. "Commission" and "FCC" mean the Federal Communications Commission and
       all of its bureaus and offices.

    d. "Company" means QuoteMaster USA, Ltd. and its predecessors-in-interest
       and successors-in-interest.

    e. "Complaints" means third-party complaints that may have been received
       by, or are in the possession of, the Commission or Bureau alleging
       violations of rules regarding delivery of unsolicited advertisements
       via facsimile.

    f. "Compliance Plan" means the program described in this Consent Decree
       at paragraph nine (9).

    g. "Effective Date" means the date on which the Commission releases the
       Adopting Order.

    h. "Established business relationship" is defined as a prior or existing
       relationship formed by a voluntary two-way communication "with or
       without an exchange of consideration, on the basis of an inquiry,
       application, purchase or transaction by the business or residential
       subscriber regarding products or services offered by such person or
       entity, which relationship has not been previously terminated by
       either party."

    i. "Investigation" means the investigation initiated by the Bureau
       regarding whether QuoteMaster violated section 227 of the Act, as
       amended, and the Commission's related rules and orders regarding
       delivery of unsolicited advertisements to the telephone facsimile
       machines of consumers.

    j. "QuoteMaster USA, Ltd." means QuoteMaster and its
       predecessors-in-interest and successors-in-interest.

    k. "NAL" means Notice of Apparent Liability for Forfeiture.

    l. "Order" or "Adopting Order" means an Order of the Commission adopting
       the terms of this Consent Decree without change, addition, deletion,
       or modification.

    m. "Parties" means QuoteMaster and the Commission.

    n. "Rules" means the Commission's regulations found in Title 47 of the
       Federal Regulations.

    o. "Unsolicited advertisement" is defined in the Act and the Commission's
       rules as "any material advertising the commercial availability or
       quality of any property, goods, or services which is transmitted to
       any person without that person's prior express invitation or
       permission in writing or otherwise."

    p. "Unsolicited Facsimile Rules" means the Commission's regulations found
       in 47 C.F.R. S: 64.1200 of the Federal Regulations.

   II. BACKGROUND

   2. Pursuant to Section 227(b)(1)(C) of the Act it is "unlawful for any
   person within the United States, or any person outside the United States
   if the recipient is within the United States . . . to use any telephone
   facsimile machine, computer, or other device to send, to a telephone
   facsimile machine, an unsolicited advertisement."  The term "unsolicited
   advertisement" is defined in the Act and the Commission's rules as "any
   material advertising the commercial availability or quality of any
   property, goods, or services which is transmitted to any person without
   that person's prior express invitation or permission in writing or
   otherwise." Under the Commission's rules, an "established business
   relationship" exception permits a party to deliver a message to a consumer
   if the sender has an established business relationship with the recipient
   and the sender obtained the number of the facsimile machine through the
   voluntary communication by the recipient, directly to the sender, within
   the context of the established business relationship, or through a
   directory, advertisement, or a site on the Internet to which the recipient
   voluntarily agreed to make available its facsimile number for public
   distribution.

   3. On August 13, 2002, in response to one or more consumer complaints
   alleging that QuoteMaster had faxed unsolicited advertisements, the
   Enforcement Bureau ("Bureau") issued a citation to QuoteMaster, pursuant
   to section 503(b)(5) of the Act. The staff cited QuoteMaster for using a
   telephone facsimile machine, computer, or other device, to send
   unsolicited advertisements to a telephone facsimile machine, in violation
   of section 227 of the Act and the Commission's related rules and orders.
   The citation warned QuoteMaster that subsequent violations could result in
   the imposition of monetary forfeitures of up to $11,000 per violation, and
   included a copy of the consumer complaints that formed the basis of the
   citation. The citation informed QuoteMaster that within 21 days of the
   date of the citation, it could either request an interview with Commission
   staff, or could provide a written statement responding to the citation.
   QuoteMaster did not request an interview or otherwise respond to the
   citation.

   4. On August 14, 2007, the Commission issued a Notice of Apparent
   Liability for Forfeiture ("NAL") proposing that QuoteMaster be held liable
   for a forfeiture of $43,500 under section 503(b)(1)(B) of the Act, and
   ordered the Company either to pay the proposed forfeiture or file a
   written response within thirty (30) days of the NAL release date stating
   why the proposed forfeiture should be reduced or canceled. QuoteMaster
   responded to the NAL on September 27, 2007. In its response, QuoteMaster
   indicates that it has severed its relationship with all fax advertisers
   and that it no longer utilizes facsimile advertising and has not utilized
   such advertising since September of 2006.

   III. TERMS OF AGREEMENT

   5. Adopting Order.  The Parties agree that the provisions of this Consent
   Decree shall be subject to final approval by the Commission by
   incorporation of such provisions by reference in the Adopting Order
   without change, addition, modification, or deletion.

   6. Jurisdiction. QuoteMaster agrees that the Commission  has jurisdiction
   over it and the matters contained in this Consent Decree and has the
   authority to enter into and adopt this Consent Decree.

   7. Effective Date: Violations. The Parties agree that this Consent Decree
   shall become effective on the date on which the FCC releases the Adopting
   Order. Upon release, the Adopting Order and this Consent Decree shall have
   the same force and effect as any other Order of the Commission. Any
   violation of the Adopting Order or of the terms of this Consent Decree
   shall constitute a separate violation of a Commission Order, entitling the
   Commission to exercise any rights and remedies attendant to the
   enforcement of a Commission Order.

   8. Termination of Investigation. In express reliance on the covenants and
   representations in this Consent Decree and to avoid further expenditure of
   public resources, the Commission agrees to terminate its investigation and
   to cancel its NAL. In consideration for the termination of said
   investigation and cancellation of the NAL, QuoteMaster agrees to the
   terms, conditions, and procedures contained herein. The Commission 
   further agrees that in the absence of new material evidence, the
   Commission will not use the facts developed in this investigation through
   the Effective Date of the Consent Decree, or the existence of this Consent
   Decree, to institute, on its own motion, any new proceeding, formal or
   informal, or take any action on its own motion against QuoteMaster
   concerning the matters that were the subject of the investigation. The
   Commission also agrees that it will not use the facts developed in this
   investigation through the Effective Date of this Consent Decree, or the
   existence of this Consent Decree, to institute on its own motion any
   proceeding, formal or informal, or take any action on its own motion
   against QuoteMaster with respect to Quotemaster's basic qualifications,
   including its character qualifications, to be a Commission licensee or
   authorized common carrier or hold Commission authorizations.

   9. Compliance Plan. For purposes of settling the matters set forth herein,
   QuoteMaster agrees to implement a Compliance Plan related to future
   compliance with the Act, the Commission's Rules, and the Commission's
   Orders. The Plan will consist of the components delineated below:

    a. Company shall not send or cause any advertisements to be sent on its
       behalf by facsimile until the Compliance Program, as described herein,
       has been implemented. Currently, Company does not conduct facsimile
       advertising campaigns.

    b. Prior to the commencement of a facsimile advertising campaign either
       on its own or through another entity, Company will adopt written
       policies and procedures for, at a minimum: complying with the
       requirements of the Unsolicited Facsimile Rules; maintaining Company's
       internal list of established business relationships; and managing,
       creating, approving, and distributing to facsimile broadcasters lists
       of potential customers and facsimile numbers ("Fax Lists"). Company's
       written policies and procedures shall be available upon request and
       will be memorialized in a Compliance Manual, which will include the
       following requirements:

   i. All Fax Lists shall be based on Company's in-house list of established
   business relationships ("Company's EBR List") and checked against a
   version of the Company's in-house do-not-fax list ("Company's No-Fax
   List") that has been updated not more than thirty (30) days prior to the
   date of any facsimile sent on Company's behalf;

   ii. No advertising facsimile campaign may be initiated on Company's behalf
   without prior written authorization from Company confirming that the Fax
   Lists have been based on Company's EBR List and checked against Company's
   No-Fax List;

   iii. The facsimile broadcaster shall generate and transmit to Company on a
   daily basis compliance reports containing data on all unsolicited
   facsimile complaints and requests received by such vendor; and

   iv. Each advertising facsimile campaign shall be monitored for compliance
   by Company through the audit procedures described in Paragraph (g), below.

    c. Prior to the commencement of a facsimile advertising campaign either
       on its own or through another entity, Company will provide the
       Compliance Manual to all Company employees involved in advertising by
       facsimile and all employees of facsimile broadcasters involved in
       facsimile advertising on behalf of Company. Company shall require such
       employees to acknowledge in writing that they have read, understand,
       and will abide by the policies and procedures in the Compliance
       Manual.

    d. Prior to the commencement of a facsimile advertising campaign either
       on its own or through another entity, Company will provide training to
       all Company employees involved in advertising by facsimile and all
       employees of facsimile broadcasters involved in facsimile advertising
       on behalf of Company. The training will explain Company's policies and
       procedures for advertising by facsimile and the Unsolicited Facsimile
       Rules, including the requirements currently in effect and as revised
       in the future. Company will require these employees to acknowledge in
       writing that they have attended the training session and understand
       and will abide by Company's policies and procedures. Company will
       require new employees involved in advertising by facsimile to complete
       such training within the first week of employment. Company will
       require all employees to attend refresher training at least once a
       year.

    i. Company will distribute to employees involved in advertising by
       facsimile and all employees of facsimile broadcasters involved in
       facsimile advertising on behalf of Company written training material,
       including but not limited to: Company's Compliance Manual; a "FAQs"
       document providing answers to frequently asked questions about the
       Unsolicited Facsimile Rules and the Company's No-Fax List; flow charts
       depicting the process Company employees involved in advertising by
       facsimile and all employees of facsimile broadcasters involved in
       facsimile advertising on behalf of Company are required to follow when
       receiving a No-Fax request or complaint, and a copy of Company's
       written policy for complying with the Unsolicited Facsimile Rules and
       maintaining the Company's No-Fax List.

    ii. A training session given by the Company No-Fax Compliance Team will
        explain Company's policies and procedures for telemarketing
        compliance and permit those in attendance to ask questions about the
        policies and procedures. Company will require all those in attendance
        to acknowledge in writing that they have attended the training
        session and understand and will abide by Company's policies and
        procedures.

    iii. Company will require all new employees involved in advertising by
         facsimile and all employees of facsimile broadcasters involved in
         facsimile advertising on behalf of Company to complete such training
         within the first week of employment. Company will require all such
         employees to attend refresher training at least once a year.

    e. Prior to the commencement of a facsimile advertising campaign, Company
       will develop and implement a certification process for all its
       employees and employees of third-party facsimile broadcasters who
       perform advertising by facsimile on behalf of Company. Company will
       require its own principal(s) and principals of third-party facsimile
       broadcasters to certify on an annual basis that they acknowledge,
       understand, and abide by all Company policies concerning the
       Unsolicited Facsimile Rules. Such principals will also certify that
       all sales managers, their supervisors, and staff have received copies
       of all Company' policies concerning telemarketing within five (5)
       business days of the certification and have been trained with respect
       to Company's policies.

    f. Company's contracts with third-party facsimile broadcasters will
       provide that:

   i. The third-party facsimile broadcaster shall comply with all applicable
   federal unsolicited facsimile laws, rules, and requirements;

   ii. The third-party facsimile broadcaster shall comply with Company's
   policies and procedures set forth in Company's Compliance Manual and all
   supplemental instructions from Company;

   iii. The third-party facsimile broadcaster shall transmit to Company, on a
   daily basis, reports that identify and provide data for each complaint or
   request relating to unsolicited facsimiles; and

   iv. Company will take appropriate action in the event that any third-party
   facsimile broadcaster report, or any other source, establishes that a
   third-party facsimile broadcaster has failed to follow its legal
   obligations or Company's policies with respect to the Commission's
   unsolicited facsimile rules. Violation of such legal obligations and
   Company's policies shall be grounds for termination of the third-party
   facsimile broadcaster's contract with Company.

    g. Prior to the commencement of a facsimile advertising campaign, Company
       will implement procedures to audit compliance with the Commission's
       unsolicited facsimile rules prior to commencing such facsimile
       advertising campaign. The audit compliance procedures will consist of:

   i. Third-party facsimile broadcaster reports. Company will require its
   third-party facsimile broadcasters to provide the Company No-Fax
   Compliance Team with a daily written report containing data for each and
   every complaint or request relating to unsolicited facsimiles received by
   the third-party facsimile broadcaster.

   ii. Customer care reports. Company will require a management-level
   employee to provide a weekly report containing data for each and every
   unsolicited facsimile complaint and request received by Company's customer
   service representatives to the Company No-Fax Compliance Team.

   iii. Facsimile campaign management reports. Company will require a weekly
   report from the Company No-Fax Compliance Team be provided to the
   Company's chief legal counsel summarizing the status of compliance for
   each active facsimile marketing campaign, which report shall be based upon
   the daily third-party facsimile broadcaster reports and weekly customer
   care reports.

   iv. Company will create a register that contains, in an orderly manner,
   all compliance reports and agreements associated with each facsimile
   advertising campaign. Company will designate a register manager, who will
   be responsible for maintaining and updating the register.

    h. Prior to the commencement of a facsimile advertising campaign, Company
       will prepare and distribute an Escalation Alert document that will
       identify the data criteria by which Company will evaluate third-party
       facsimile broadcaster reports or customer care reports (see Paragraph
       (g) above), and if such criteria are met, will trigger escalation of
       the report to the next level of compliance management. The Escalation
       Alert document will identify for each level of escalation the Company
       manager (and an alternate) to whom such report shall be forwarded and
       the minimum timeframe within which notification shall be made. The
       Escalation Alert document will identify a clear path of successive
       levels of escalation, which will ensure that Company can promptly
       identify and respond to data indicating a failure or potential failure
       of unsolicited facsimile compliance. The Escalation Alert process will
       be administered by Company.

    i. Company will continue to monitor unsolicited facsimile complaints and
       will promptly investigate any unusual patterns that suggest
       unauthorized facsimile advertising may be occurring.

    j. Prior to the commencement of a facsimile advertising campaign, Company
       will formally establish an internal process to promptly investigate
       and resolve inquiries and informal complaints alleging unsolicited
       facsimiles, as follows:

        i. All written complaints forwarded by a government agency will be
           investigated by or under the supervision of Company's legal
           counsel.

        ii. In all cases, except where not practicable, investigation will be
            completed within thirty (30) days of Company's receipt of the
            complaints.

        iii. Investigation results for written complaints forwarded by a
             government agency, to the extent those are requested, will be
             included in a response to the agency at the close of the
             investigation (typically within thirty (30) days from receipt of
             complaint).

        iv. Company will ensure that at least one member of Company's legal
            counsel is specifically trained and responsible for handling
            unsolicited facsimile complaints as those matters arise from both
            the Company's facsimile advertising campaign or a facsimile
            campaign conducted on its behalf by a third party, including up
            to one hundred percent (100%) of this person's time as warranted.
            Should one person be unable to handle such complaints within
            thirty (30) days, Company will add additional responsible staff
            as necessary.

        v. All written complaints that Company receives directly from
           consumers will be screened by Company's customer care staff and
           those complaints that do not appear to involve collections actions
           will be forwarded to Company's legal counsel.

    k. Prior to the commencement of a facsimile advertising campaign, Company
       will implement a communications program regarding compliance with the
       Unsolicited Fax Rules directed toward both in-house marketing staff
       and third-party broadcast facsimile companies with which it contracts.
       This program will include regular reminders of its Compliance Program.

    l. Company will take appropriate disciplinary action and/or require
       supplemental training in the event that it discovers that any employee
       responsible for facsimile advertising has failed to follow legal
       obligations or Company's procedures with respect to the Unsolicited
       Fax Rules. In the case of a knowing and intentional failure by an
       employee of a facsimile broadcaster, Company will direct its third
       party facsimile broadcaster to ensure that the employee no longer
       performs facsimile advertising on Company's behalf. In the case of a
       knowing and intentional failure by a Company employee, Company will
       take such disciplinary action to the extent permitted.

    m. Not later than sixty (60) days after the Effective Date, and every one
       hundred eighty (180) days thereafter, Company will submit a written
       report to the Bureau of its compliance with this Consent Decree,
       including in the first report, its progress in implementing its
       Compliance Program. Company's reporting obligation under this Consent
       Decree will end after the fifth report is submitted to the Bureau.

    n. Company will maintain and make available to the Bureau, within
       fourteen (14) days of receipt of any specific request from the Bureau,
       business records documenting its compliance with the terms and
       provisions of this Consent Decree.

    o. Should Company change its facsimile advertising policy, Company will
       notify the Bureau in writing within thirty (30) days of any
       modification to its Compliance Program.

   10. Voluntary Contribution. QuoteMaster  agrees that it will make a
   voluntary contribution to the United States Treasury in the amount of
   $26,100. The payment will be made within thirty (30) days after the
   Effective Date of the Adopting Order. The  payment must be made by check
   or similar instrument, payable to the Order of the Federal Communications
   Commission. The payment must include the Account Number and FRN Number
   referenced in the caption to the Adopting Order. Payment by check or money
   Order may be mailed to Federal Communications Commission, P.O. Box 979088,
   St. Louis, MO 63197-9000. Payment by overnight mail may be sent to U.S.
   Bank - Government Lockbox #979088, SL-MO-C2-GL, 1005 Convention Plaza, St.
   Louis, MO 63101. Payment by wire transfer may be made to ABA Number
   021030004, receiving bank Federal Reserve Bank of New York, and account
   number 27000001. QuoteMaster will also send electronic notification on the
   date said payment is made to Johnny.Drake@fcc.gov.

   11. Waivers.  QuoteMaster waives any and all rights it may have to seek
   administrative or judicial reconsideration, review, appeal or stay, or to
   otherwise challenge or contest the validity of this Consent Decree and the
   Order adopting this Consent Decree, provided the Commission issues an
   Order adopting the Consent Decree without change, addition, modification,
   or deletion. QuoteMaster shall retain the right to challenge Commission
   interpretation of the Consent Decree or any terms contained herein. If
   either Party (or the United States on behalf of the Commission) brings a
   judicial action to enforce the terms of the Adopting Order, neither
   QuoteMaster nor the Commission shall contest the validity of the Consent
   Decree or the Adopting Order, and QuoteMaster shall waive any statutory
   right to a trial de novo. QuoteMaster hereby agrees to waive any claims it
   may otherwise have under the Equal Access to Justice Act, 5 U.S.C. S: 504
   and 47 C.F.R. S: 1.1501 et seq., relating to the matters addressed in this
   Consent Decree.

   12. Severability. The Parties agree that if any of the provisions of the
   Adopting Order or the Consent Decree shall be invalid or unenforceable,
   such invalidity or unenforceability shall not invalidate or render
   unenforceable the entire Adopting Order or Consent Decree, but rather the
   entire Adopting Order or Consent Decree shall be construed as if not
   containing the particular invalid or unenforceable provision or
   provisions, and the rights and obligations of the Parties shall be
   construed and enforced accordingly. In the event that this Consent Decree
   in its entirety is rendered invalid by any court of competent
   jurisdiction, it shall become null and void and may not be used in any
   manner in any legal proceeding.

   13. Subsequent Rule or Order. The Parties agree that if any provision of
   the Consent Decree conflicts with any subsequent rule or Order adopted by
   the Commission (except an Order specifically intended to revise the terms
   of this Consent Decree to which QuoteMaster does not expressly consent)
   that provision will be superseded by such Commission rule or Order.

   14. Successors and Assigns. QuoteMaster agrees that the provisions of this
   Consent Decree shall be binding on its successors, assigns, and
   transferees.

   15. Final Settlement. The Parties agree and acknowledge that this Consent
   Decree shall constitute a final settlement between the Parties. The
   Parties further agree that this Consent Decree does not constitute either
   an adjudication on the merits or a factual or legal finding or
   determination regarding any compliance or noncompliance with the
   requirements of the Act or the Commission's Rules and Orders.

   16. Modifications. This Consent Decree cannot be modified without the
   advance written consent of both Parties.

   17. Paragraph Headings. The headings of the Paragraphs in this Consent
   Decree are inserted for convenience only and are not intended to affect
   the meaning or interpretation of this Consent Decree.

   18. Authorized Representative. Each party represents and warrants to the
   other that it has full power and authority to enter into this Consent
   Decree.

   19. Counterparts. This Consent Decree may be signed in any number of
   counterparts (including by facsimile), each of which, when executed and
   delivered, shall be an original, and all of which counterparts together
   shall constitute one and the same fully executed instrument.


     For: QuoteMaster USA, Ltd.                        
                                                       
     _____________ _________________________________   
                                                       
     Date David Kleinhandler                           
                                                       
     President                                         
                                                       
     For: Federal Communications Commission            
                                                       
     ______________ ________________________________   
                                                       
     Date Marlene H. Dortch                            
                                                       
     Secretary                                         


   47 U.S.C. S: 227; see also 47 C.F.R. S: 64.1200.

   47 U.S.C. S:S: 154(i), 503(b).

   47 U.S.C. S: 227; see also 47 C.F.R. S: 64.1200.

   47 C.F.R. S: 64.1200(f)(5).

   47 U.S.C. S: 227; 47 C.F.R. S: 64.1200.

   47 U.S.C. S: 227(a)(4); 47 C.F.R. S: 64.1200(f)(13).

   47 U.S.C. S: 227(b)(1)(C); 47 C.F.R. S: 64.1200(a)(3).

   47 U.S.C. S: 227(a)(4); 47 C.F.R. S: 64.1200(f)(13).

   An "established business relationship" is defined as a prior or existing
   relationship formed by a voluntary two-way communication "with or without
   an exchange of consideration, on the basis of an inquiry, application,
   purchase or transaction by the business or residential subscriber
   regarding products or services offered by such person or entity, which
   relationship has not been previously terminated by either party." 47
   C.F.R. S: 64.1200(f)(5).

   See 47 U.S.C. S: 227(b)(1)(C); 47 C.F.R. S: 64.1200(a)(3)(i), (ii).

   Citation from Colleen Heitkamp, Chief, Telecommunications Consumers
   Division, Enforcement Bureau, File No. EB-02-TC-193, issued to QuoteMaster
   on August 13, 2002.

   See 47 U.S.C. S: 503(b)(5) (authorizing the Commission to issue citations
   to persons who do not hold a license, permit, certificate or other
   authorization issued by the Commission or an applicant for any of those
   listed instrumentalities for violations of the Act or of the Commission's
   rules and orders).

   Bureau staff mailed the citation to the following addresses: 36 W. 44th
   St., Suite 1100, New York, NY 10036; 803 Pondside Dr., White Plains, NY
   10607; and 180 Madison Ave., New York, NY 10016.

   QuoteMaster USA, Ltd., Notice of Apparent Liability for Forfeiture, 22 FCC
   Rcd 15918 (2007).

   Letter from Frank G. Lamancusa, Counsel for QuoteMaster, to Colleen
   Heitkamp, Chief, Telecommunications Consumers Division, Enforcement
   Bureau, Federal Communications Commission, dated September 27, 2007.

   Federal Communications Commission FCC 10-153

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   Federal Communications Commission FCC 10-153