ITC FINANCIAL LICENSES, INC.

Use of this Web Site is subject to our Web Site Terms and Conditions, the Cardholder Agreement, and to our personal information gathering and dissemination practices and policies as described below.

Customer Registration.
In order to use many features of the Web Site, you must have completed and submitted the Cardholder Agreement, provided certain information and successfully created a login and password to access your account with us. We collect the information provided for the purposes described below and use the login and password to verify your identity, as well as for our internal use in maintaining your Web Site account and other uses described below. You do not need to be a customer to access publicly available portions of the Web Site.

Users Outside the United States.
This Web Site's personal information practices and the terms of this Privacy Policy comply with the federal laws of the United States of America and may or may not comply with foreign laws. Additional protections may also be available to you under state laws.

Types Of Information We Collect
In order to service your account, and as we deem necessary to determine your eligibility for products and services, we reserve the right to collect certain types of nonpublic personal information about you. The following are examples of the types of nonpublic personal information we collect and the types of companies with which we share such information. The types of information are presented for illustration purposes only and should not be considered a complete listing of the information we gather. In addition, the list of companies with which we may share information is a representative listing and may not include all organizations with which we may share information.

Cookies. We may use “cookies” to store your preferences in order to make your use of the Web Site more productive. Cookies are small files created by web sites that reside on your computer's hard drive and store information about your use of a particular web site. We also use cookies to track the usage of our Web Site in order to enhance your use of the Web Site. If you do not accept cookies from the domain "www.miocard.com" you cannot access certain portions of the Web Site.

Personal Information. When you register to access your accounts, we ask you to share limited information about yourself that is required by law and may gather information about you from other sources. For example, we will collect:

Information such as your name, address, telephone number, date of birth and social security or taxpayer identification number.

We may use this information to verify your identity and identify potential fraud associated with our information, and to provide you with quality service as well as with offers that we think are relevant to you based on your preferences.

Contact Information. Using your contact information, we may also send you e-mail messages under the following circumstances, among others:

• to respond to an inquiry or request for information;


• to thank you for contacting us;


• to welcome you to the Company and to its products and services;


• to explain new product offerings and features of our services;


• to notify you of special promotions; and


• to communicate with you regarding customer service related issues.

Your contact information may also be available or provided to third-party service providers and contractors (such as the Web Site webmaster) that are contractually obligated to protect your information, as disclosed in this Privacy Policy. In order to maintain accurate records concerning communications that we may have received from or sent to you, we may also indefinitely store any information that you provide to us.

Disclosure of Information
Certain laws allow us to disclose or use your nonpublic personal information. We do not disclose or use any of this information except as permitted by such laws. The following is a representative list of when and how we would disclose or use such information.

Aggregated Information. We may share certain aggregated demographic information with our business partners. The aggregated information that we provide is not directly linked to any personally identifiable information.

Services: We will use your personally identifiable information to perform services that you request we, or a third party, perform. If the applicable service, such as a prepaid wireless or telecommunications service, is to be performed by a third party, then we will disclose the applicable information to the third party performing the applicable service.

Third Party Marketing: We will share your personally identifiable information with other companies that may use and disclose your personally identifiable information to market products and services to you on our behalf, such as banks and insurance companies; non-financial companies such as direct marketers and mail houses; and other companies with which we have joint marketing agreements.

If you would prefer that we not share your information with companies offering non-financial products, services and promotions, you may opt-out at any time by sending an email to Customer Service at info@miocard.com.

Internal Use: We will share your personally identifiable information within our business for the purposes of furthering our business, including analyzing your information and other uses. We may monitor how our users use our Web Sites including search terms entered, pages visited and documents viewed. This information may be stored with an IP address or a customer's login or other personally identifiable information. This information is used solely for purposes of enabling us to enhance your use of the Web Site. Aggregated forms of this data may also be used in order to help us understand areas for future research and to identify future features and functions to develop for the Web Site.

Exceptions. The technical processing of your information may be required to:

• send and receive messages regarding your use of the Web Site;


• conform to the technical requirements of connecting networks;


• conform to the limitations of our service; or


• conform to other, similar technical requirements.

As a result, we may use and disclose your personally identifiable information to the extent reasonably necessary to:

• correct technical problems and malfunctions in how we provide our products and services to you and to technically process your information;


• protect the security and integrity of the Web Site and our Internet service, including without limitation to enforce our Terms and Conditions with you;


• protect our rights and property and the rights and property of others;


• take precautions against liability;


• respond to claims that your information violates the rights and interests of third parties;


• the extent required by law or to respond to judicial process; and


• the extent permitted under other provisions of law, to provide personal information to law enforcement agencies or for an investigation on a matter related to public safety.

Links to Other Web Sites.
This Web Site contains links to other web sites. We are not responsible for and shall not have any liability arising from the privacy practices or the content of other web sites.

Information Review.
You can change and modify the information you previously have provided to us by contacting us at: info@miocard.com.

Information Regarding Former Customers
We disclose nonpublic personal information about former Cardholders with inactive Cards only in accordance with this Privacy Policy and as permitted by law.

Security Precautions.
The Company takes precautions to protect data and information under its control from misuse, loss or alteration. The Company's security measures include industry-standard technology, equipment and procedures to help protect your information, and we maintain security measures to allow only the appropriate personnel and contractors access to your information. Unfortunately, no system can ensure complete security, and ITC Financial Licenses, Inc. and its parent companies, subsidiaries and affiliates disclaim any liability resulting from use of the Web Site. If you have any questions about the security at our Web Sites, please send an e-mail to: info@miocard.com.

Notification of Changes to Our Privacy Policy.
We reserve the right to change or modify our information collection, use and disclosure practices set forth in this Privacy Policy. If we decide to change our Privacy Policy, we will post those changes on the Web Site so our users and customers are always aware of what information we collect, use and disclose. If at any point we decide to use or disclose your personally identifiable information in a manner different from that stated at the time it was collected, we will notify you in writing, which may or may not be by e-mail. If you object to the change to our Privacy Policy, then you must contact us using the information provided in the notice. We will otherwise use and disclose a user's or a customer's personally identifiable information in accordance with the Privacy Policy that was in effect when such information was collected.

Change in Control.
If ITC Financial Licenses, Inc. or any of its parent companies, subsidiaries or affiliates experiences a “change in control” (defined below), then we may amend our information practices as described in this Privacy Policy. We will disclose your personally identifiable information to the company or other legal entity that succeeds our operation of the Web Site. The privacy policy of the succeeding legal entity will then govern the personally identifiable information that we have collected from you under this Privacy Policy. However, if applicable law prohibits the succeeding legal entity's privacy policy from governing your personally identifiable information, then this Privacy Policy shall continue to govern.

“Change in control” means any of the following events:

• we undergo a reorganization, merger, consolidation, acquisition or other restructuring involving all or substantially all of our voting securities and/or assets, by operation of law or otherwise;


• we become insolvent;


• we make a general assignment for the benefit of creditors;


• we suffer or permit an appointment of a receiver for our business or assets;


• we become subject to any proceedings under any bankruptcy or insolvency law, whether domestic or foreign; or


• we are liquidated, voluntarily or otherwise.

Questions about Our Privacy Policy.
If you have any questions about our Privacy Policy and/or the personal information practices of our Web Site, please call us at 1-866-840-6461 or email your questions to: info@miocard.com