Privacy Notice Table Of Contents:

• Our Commitment To Privacy
• The Information We Collect
• How We Use Information
• Our Commitment To Data Security
• Choice / Opt-Out
• Use of Cookies
• How To Access Or Correct Your Information
• Changes in Privacy Policy
• How To Contact Us

Our Commitment To Privacy

United Bank Card is committed to respecting and protecting the privacy of our guests and customers. The following policies apply to our web site visitors, our newsletter subscribers, and customers who order from our online order form. We pledge to guard your personal information in accordance with our privacy policy and respect the confidentiality of all visitor or subscriber data submitted to United Bank Card.

To better protect your privacy we provide this notice explaining our online information practices and the choices you can make about the way your information is collected and used. To make this notice easy to find, we make it available on our homepage and at every point where personally identifiable information may be requested.

The Information We Collect:

This notice applies to all information collected or submitted on the United Bank Card web site. On some pages, you can order services, make requests, and register to receive materials. The types of information collected at these pages are:

Customer Information: (name, address, email address, phone number, fax number, credit/debit card information.)

Corporate Information: (business name, business address)

The Way We Use Information:

We use the information you provide about yourself to underwrite your merchant account. We do not share this information with outside parties except to the extent necessary to complete that merchant account setup.

We use return email addresses to answer the email we receive. Such addresses are not used for any other purpose and are not shared with outside parties.

You can register with our web site if you would like to receive our newsletter as well as updates on our new products and services. Information you submit on our web site will not be used for this purpose unless you fill out the registration form.

We use non-identifying and aggregate information to better design our web site and to share with advertisers. For example, we may tell an advertiser that X number of individuals visited a certain area on our web site, or that Y number of men and Z number of women filled out our registration form, but we would not disclose anything that could be used to identify those individuals.

Finally, we never use or share the personally identifiable information provided to us online in ways unrelated to the ones described above without also providing you an opportunity to opt-out or otherwise prohibit such unrelated uses.

Our Commitment To Data Security

To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online.

We use Secure Socket Layering (SSL) to encrypt your personal information, including your credit card number, before it travels over the Internet. (SSL) technology is the industry standard for secure online transactions. All computer data which contain our customers information will be stored in protected areas accessible only to necessary personnel.

Choice / Opt-Out

Our site provides users the opportunity to opt-out of receiving e-mail marketing communications from us at the point where we request information about the visitor.

Use of Cookies

This site uses cookies, both "permanent and session". A "cookie" is a small data file stored by your web browser on your computer’s hard drive. Cookies allow us to recognize who you are when you arrive at our site by associating the identification numbers in the cookie with other information you as a customer have provided us. That customer information is stored on our secured database. Cookies allow us to understand how you clicked to our site and what pages you click on during your visit to our site.

How You Can Access Or Correct Your Information

You can access all your personally identifiable information that we collect online and maintain by logging in to your client area. We use this procedure to better safeguard your information.

You can correct factual errors in your personally identifiable information by sending us a request that credibly shows error.

To protect your privacy and security, we will also take reasonable steps to verify your identity before granting access or making corrections.

Changes in Privacy Policy

United Bank Card reserves the right to change the Privacy Policy from time to time. If information collected will be used in a new and material way, we will notify all individuals affected by this change by sending out an email 30 days in advance to any affected individuals and then post a notice on our homepage advising of the change or revised privacy notice and when it will take effect.

How To Contact Us

Should you have other questions or concerns about these privacy policies, please call us at 800-843-8117 or send us an email at info@ubcbankcard.com

Effective 2/8/2008