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Depending on which response option the prospect chooses , other relevant interactions would follow and , if the dialog reaches a point where the prospect meets the appropriate criteria , a live telephone call from a service rep would be queued up . " I mean all of us - inside , I mean - we see you standing out here all the time , waiting for your telephone calls - and making your telephone calls . Net2Phone Direct is currently available to consumers and small businesses for telephone calling at a domestic rate of $ 0.08 from local numbers in over 50 U.S. cities . To give you an analogy : do you remember the days when all telephone calls required using an operator ? All rooms feature clock radios , cable TV , voicemail , dataports , and free local telephone calls . When those agencies are closed at night and on weekends , this sequential telephone calling process is painfully slow . Verification may be as simple as a telephone call or checking with the postal service . The bill specifies that the tax does not apply to prepaid telephone calling arrangements or to telecommunications services provided to charitable organizations , governments , and other organizations to whom sales are exempt from the State sales and use tax . An oral employment contract reached between parties during a telephone call may be modified by subsequent written contracts between the parties . Atlanta and Georgia were going to church when the news first began to come by press wires and trans-Atlantic telephone calls . MacLeod : Of course you can , course you can , but what has not been clear from this interview is the reason why you chose , in the first instance , to ignore that you received a telephone call this morning , and secondly ... On the global scale , most people in the third world cannot access a telephone and half of all people on earth have never made a telephone call ( Stead 1996 ) , let alone send and receive e-mail . Insurance services ; financial affairs , monetary affairs ; financial services ; banking and credit services ; providing credit card , debit card , charge card and stored value prepaid card services ; banking , payment , credit , debit , charge , cash disbursement , stored valued deposit access services ; bill payment services ; credit card , debit card , charge card , pre-paid card and stored value card services ; cheque verification and cheque cashing services ; automated teller machine services ; processing of financial transactions both on-line via a computer database or via telecommunications and at point of sale ; processing services for financial transactions by card holders via automatic teller machines ; the provision of balance details , deposits and withdrawals of money to card holders via automatic teller machines ; settlement and authorisation services ; travel insurance services ; issuing and redemption of travellers cheques and travel vouchers ; payer authentication services ; verification of financial information ; data encryption and decryption of financial information ; maintenance of financial records ; electronic funds transfer and currency exchange services ; dissemination of financial information via the Internet and other computer networks ; remote payment services ; stored value electronic purse services , providing electronic funds and currency transfer services , electronic payments services , prepaid telephone calling card services , cash disbursement services , and transaction authorisation and settlement services ; provision of debit and credit services by means of radio frequency identification devices ( transponders ) ; provision of debit and credit services by means of communication and telecommunication devices ; travel insurance services ; cheque verification services ; issuing and redemption services all relating to travellers cheques and travel vouchers ; the provision of financial services for the support of retail services provided through mobile telecommunications means , including payment services through wireless devices ; the provision of financial services for the support of retail services provided on-line , through networks or other electronic means using electronically digitised information ; value exchange services , namely , the secure exchange of value , including electronic cash , over computer networks accessible by means of smartcards ; bill payment services provided through a website ; on-line banking ; financial services provided over the telephone and by means of a global computer network or the Internet ; provision of financial services by means of a global computer network or the Internet ; real estate services ; real estate property services ; real estate valuations ; real estate investment management ; real estate investment services ; real estate insurance services ; insurance for property owners ; insurance services relating to property ; real estate financing ; real estate brokerage ; real estate appraisals ; real estate agency services ; evaluation of real estate ; real estate administration ; administration of financial affairs relating to real estate ; provision of real estate loans ; financing services relating to real estate development ; financial brokerage services for real estate ; financial services relating to real estate property and buildings ; financial services for the purchase of real estate ; arranging of loan agreements secured on real estate ; arranging of shared ownership of real estate ; arranging the provision of finance for real estate purchase ; assisting in the acquisition of and interests in real estate ; capital investment in real estate ; commercial property investment services ; financial services relating to the acquisition of property ; financial services relating to the sale of property ; financial valuation of freehold property ; financial valuation of leasehold property ; arranging letting of real estate ; arranging of leases of real estate ; leasing of property ; leasing of real estate property ; leasing of freehold property ; estate management services relating to transactions in real property ; valuation of property ; property portfolio management ; management of property ; advisory services relating to real estate ownership ; advisory services relating to real estate valuations ; corporate real estate advisory services ; computerised information services relating to real estate ; consultation services relating to real estate ; provision of information relating to real estate property ; provision of information relating to the property market ; research services relating to real estate acquisition ; research services relating to real estate selection ; mortgage financing and asset securitisation .