This Privacy Policy will help you understand how we safeguard and use personal information, and applies to all Members or former Members who obtain membership services from us as well as persons who visit our websites, or who request or provide us information but do not become a Member (herein referred to as "you," "your" or "Member"). Applied Card Systems, Inc. (herein referred to as "we," "us" or "our") respects your decision to do business with us and takes your privacy seriously. You trust us with your personal information and we'll honor that trust by handling your information carefully and sensibly. Information received by us or business transacted with us through the Internet is covered by this policy with additional terms covered in the section entitled "Internet Privacy."

Applied Advantage and its websites are owned and operated by Applied Card Systems, Inc. Our postal address is P.O. Box 17125, Wilmington, DE 19850-7125. We can be reached by telephone at 800-953-0765.

Collection of Information
We collect information from and about you in order to identify you as our Member, establish and manage Member accounts, complete Member transactions, understand Member needs, market products and services we believe are of value to Members, and comply with legal and regulatory requirements. We collect and obtain Member information from various sources including the following:

 · Information listed on enrollment forms or other benefit forms
 · Membership billing transactions
 · Enrollment in the online membership services
 · Information received through our websites (see “Internet Privacy” below)
 · Member transactions with us or other companies
 · Member communications with us, any of our affiliates or third party companies
 · Public information

Security Procedures
We are committed to maintaining the security of your personal information. All operational and data processing systems are in a secure environment that protects information from being accessed by unauthorized individuals or third parties. Access to nonpublic information about you is restricted to our associates that need to know that information in order to provide products or services to you. We maintain physical, electronic, and procedural safeguards to guard your nonpublic personal information. Correspondence and telephone conversations are monitored and may be recorded for quality, compliance, and accuracy to ensure that our standards are being followed.

From time to time, we may enter into agreements with other companies to provide services to us or to make products and services available to you. Under these agreements, the companies may receive information about you and they must safeguard this information and they may not use it for any other purpose.

Disclosures to Service Your Membership
It is often necessary for us to disclose Member information to companies, including our affiliates, which perform services necessary to establish and manage membership services on our behalf. These services may include billing and enrollment transaction processing, research and analysis, delivery and administration of benefits and programs, marketing services, membership material fulfillment, and customer service. When it comes to disclosing Member information to others for the purpose of establishing and managing memberships, we place limits on who receives specific information. We disclose to these companies information that they need to manage membership accounts and restrict the use of that information so that it cannot be used for any purpose beyond the intended service. We may also provide certain information to others as required or permitted by law, such as to government entities or other third parties in response to subpoenas.

Disclosures to Provide You with Offers for Products and Services
We continually work to provide our Members with new and valuable products, discounts, and services as part of our membership benefits. In doing so, we work with other affiliated and non-affiliated companies by providing them Member information so they can provide our Members with offers for products and services. This research and corresponding offers will be developed under conditions designed to safeguard Member information. We follow applicable law in disclosing Member information. As a Member, you agree that we, our affiliates, and non-affiliated companies to whom we provide Member Information may contact you in any commercially reasonable way including by e-mail.

Your Ability to Opt-Out of Information Sharing
You have the option to opt-out of information sharing with affiliated and non-affiliated companies by notifying us of your desire to opt-out, in writing, at the address listed above. This only applies to information sharing for the purposes of providing you with offers for products and services and does not apply to information sharing for the purpose of servicing your membership.

If you opt-out, you may still receive offers for products and services provided by affiliated or non-affiliated companies when we communicate with you about your membership. These offers, however, will be developed without disclosing information about you to the other companies. You may also still receive offers that are developed without the use of information that we have collected about you.

Vermont Residents Only
We will not disclose information about you to other companies for the purpose of providing you with their products and services unless you authorize us to do so ("opt-in"). You may opt-in by writing to P.O. Box 17125, Wilmington, DE 19850-7125 or by contacting our Customer Service Department at 800-953-0765.

Internet Privacy
In addition to the other provisions outlined in this Privacy Policy, the following applies to use of our websites.

Collection of Information: We collect and store information about the name of the domain from which you access the Internet (such as Compuserve.com or AOL.com), your computer's IP (Internet Protocol) address, the date and time you access our site, the Internet address of the website from which you linked to us, as well as information regarding your browser and operating system. While you use our site, we collect the amounts of time you spend and links you use on each page as well as the address to which you go when leaving our site. This information enables us to tell which areas of the site and benefits being offered are of most interest to our Members and visitors, which avenues of site promotion are most effective and the volumes and times of peak website usage. We use "cookies" to store and retrieve information about you. A cookie is a small piece of information that a website stores on your web browser and can later retrieve. We use cookies for added convenience to Members and visitors and they are for administrative use and information-gathering purposes as noted above. None of the cookies will contain information that will enable any third party to contact you. Links To Third Party Websites: Our website may contain links to, and may be linked from, third party websites, which are not under our control. We make no representations whatsoever about any other website to which you may have access through, or to, our website. When you access a website that does not belong to us, you do so at your own risk, and we are not responsible for the accuracy or reliability of any information, data, opinions, advice, or statements made on those sites. We are not responsible for updating or correcting false or misleading information on any third party website. We provide these links as a convenience, and the inclusion of such links does not imply that we endorse or accept any responsibility for the content or uses of such websites. Furthermore, any opinions expressed on any third party website are not necessarily ours. Your Online Security: One of our highest priorities is to ensure your privacy and peace of mind by employing some of the most advanced online security measures in the industry. Once you enroll in online services, you will be able to use your membership number and a self-selected password that serves as our first line of defense. Whenever we ask you to send confidential information over the Internet, we require that a "secure session" using Secured Socket Layer (SSL) be established. SSL is a software-based security protocol that encodes data before it is transmitted over the Internet. The use of SSL requires that you have an SSL compatible browser. At a minimum, we require the use of a browser equipped with 128-bit encryption to ensure the privacy of your information and recommend the use of Netscape™ Navigator 4.08 or later, Microsoft® Explorer 4.01 or later, or AOL 4.0 or later. In addition, we have extensive and sophisticated security measures in place to protect our servers, databases, and communication lines. Our systems are monitored 24 hours a day, seven days a week to ensure the continued integrity. We engage in regular internal and external reviews of our website, security procedures, and technologies. This attention to security helps ensure the safety of your membership account information and online transactions. The best security measures are those that support your privacy without hindering your access to membership account information. You can rest assured that your membership account information is safe.

Former Members
If you decide to cancel your membership or your membership becomes inactive or is cancelled for some other reason, we will continue to treat and safeguard your information as described in this Privacy Policy.

Protecting Our Children
We do not knowingly market to anyone under the age of 18. We recognize the importance of protecting children's identities and privacy.

Commitment to Service
If you believe that our records contain inaccurate or incomplete information about you, it is important that you notify us as soon as possible. We will investigate your concerns and correct any verifiable inaccuracies.

This Privacy Policy replaces any prior privacy policy we have posted or delivered to you. We reserve the right to change this Privacy Policy at any time, and we will inform you of changes as required by law.