Online Privacy Statement

Thank you for visiting Merchant-Account.com. Our Online Privacy Statement is designed to inform you about our collection and use of personal information on this web site. From time to time, Merchant-Account.com, LLC.n (referred to in this policy as "Merchant-Account.com") may modify this Online Privacy Statement.

The Online Privacy Statement is available on the home page of this web site as well as at every point on the web site where you provide us with personal information. From time to time, you may click to other Merchant-Account.com web sites that have different privacy policies. See "Merchant-Account.com's Web Site May Be Linked to Other Web Sites" below.

This privacy policy only applies to the information we collect on the Merchant-Account.com website. This privacy policy does not apply to information we collect through other methods or sources, including sites owned or operated by our affiliates, vendors or partners.

The Only Personal Information We Collect Online is Information You Voluntarily Provide to Us.

The only information we collect about you on this web site is information that you voluntarily provide to us. This information may include, for example, name, mailing address, email address, phone number and similar information. If you supply us with personal information on this web site, we will use that information only to contact you so that we can: provide you with the information you have requested (press releases, investor information), follow up on job opportunities that you have inquired about, or occasionally send you other information about Merchant-Account.com and its services that we believe you would find interesting. This information will not be sent to you via email unless you ask us to do so.

When You Browse the Merchant-Account.com Web Site, You Do So Without Revealing Your Identity. This Merchant-Account.com web site may use cookies to aggregate information about the pages that users visit so that we can update and redesign, as necessary, our web site in order to provide you with the most useful information. Personal information, such as your email address, is not collected, unless you provide it to us. Merchant-Account.com does not disclose domain name or aggregate information to third parties other than vendors who assist us with our web site and who are under strict confidentiality requirements. From time to time, however, we may disclose this information to fulfill legal or regulatory obligations or if we determine such disclosure is legally advisable or necessary to protect our rights, the rights of others, or to prevent harm. In addition, we may aggregate data about users of our site and use it for statistical purposes. This information helps us to better understand our site's users and how to improve our site and our offerings.

We Are Committed to Protecting the Confidentiality of User Information. Merchant-Account.com's policies limit access to personal user information that is collected from this web site to those employees of Merchant-Account.com and its affiliates and business partners who need the information to fulfill their business responsibilities. Merchant-Account.com may disclose personal information collected online to companies affiliated with Merchant-Account.com in connection with employment opportunities in those companies, to our vendors who assist us with the web site, or to outside recruiters in connection with employment offers. In some cases, this may require your information to be sent to other countries. By supplying your information on this web site, you consent to your information being transferred across national borders to Merchant-Account.com, its affiliates, vendors or agents. Vendors and other outside contractors we engage are subject to our contractual requirements to ensure that personal information is safeguarded. Employees and others with duties related to this web site must adhere to this Online Privacy Statement. Any employee violating this Online Privacy Statement may be subject to disciplinary action, up to and including dismissal.

As noted above, from time to time, however, we may disclose this information to fulfill legal or regulatory obligations or if we determine such disclosure is legally advisable or necessary to protect our rights, the rights of others, or to prevent harm. In addition, we may aggregate data about users of our site and use it fir statistical purposes. This information helps us to better understand our site's users and how to improve our site and our offerings.

We Give Web Site Users a Choice about How Their Information Will be Used. In some instances, if we collect information online, we will inform users at that point about how to remove their names from our lists. You can request access to the information we hold about you by emailing us at webmaster@AmericanBancard.com.com.

We Use Appropriate Security Safeguards. At Merchant-Account.com, security is a priority. Merchant-Account.com employs appropriate measures, including advanced technology, to protect personal information collected online against unauthorized access, disclosure, alteration or destruction. These measures may include, among others, encryption, physical access security, and other appropriate technologies. Merchant-Account.com continually reviews and enhances its security systems, as necessary.

Merchant-Account.com's Web Site is Not Directed at Persons Under the Age of 18.

Our web site is not intended for persons under the age of 18 and Merchant-Account.com does not knowingly collect or maintain information at our web site from persons we actually know are under the age of 18.

Merchant-Account.com's Web Site May Be Linked to Other Web Sites.

As you navigate our site, you may click to web sites of our different subsidiaries and divisions. Those web sites may have their own online privacy statements or policies. This Online Privacy Statement will not apply when you move to one of these other sites because business unit privacy practices and policies are tailored to the products and services offered by the individual Merchant-Account.com business units. As you visit the pages and sites of our different business units please be sure to review the privacy policies applicable to those sites.

Merchant-Account.com may create links to third-party web sites. Merchant-Account.com is not responsible for the content or privacy practices employed by web sites that are linked to our web site.

Note: If you are unable to return to this page by clicking on the "Back" button in your browser you will need to return to the Merchant-Account.com web site by typing "www.Merchant-Account.com" in your navigation bar, then click on the "Merchant-Account.com Privacy" link.

7. Add the following content to the Merchant Account page At the top:

The term "Interchange-based pricing" sounds a lot more intimidating than it actually is once you understand the basics. Interchange-based pricing is gaining in popularity as the preferred merchant account pricing structure; however most card processors will only make it available to the largest merchant accounts.

Why is that? It's completely transparent!

Interchange represents the true cost of processing the transaction based upon;

• The type of card used (Credit vs. Debit, Reward vs. Standard, etc.,

• The way the card is processed (web, face-to-face, keyed into a terminal, etc.), and

• The type of business (Hotel, Restaurant, etc.).

A merchant using Interchange-based pricing sees the actual interchange (wholesale) rate for every transaction, so they know both the wholesale processing cost, and the revenue being charged by the processor for managing the account.

While Interchange-based pricing is frequently the least expensive type of merchant account pricing, it's also the hardest to get a processor to offer. Merchant-Account.com will offer either Interchange-based pricing or Tiered pricing regardless of the volume processed. Many providers are still offering only tiered pricing, and only offering interchange-based pricing to established merchants that can prove a certain processing volume.