*Free 1 -800 access in Canada.  No connection fee. Can be used from any touch tone phone in Canada and the US to call over 200 Countries Worldwide.  This card is non-refundable.  There is no refund or replacement for lost or stolen cards, unauthorized or expired cards.  Cards expire 1 year from activation or 6 months from 1st use. All rates and surcharges vary depending on the country called and are subject to change without notice.  When using the toll free number an additional rate per minute applies:  5 cents per minute for calls originating from the USA.  A per minute rate is charged for every full or partial minute in North America. If this card is used for local calls the same charges apply.