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Is Upromise a secure site?

Upromise has implemented security systems designed to keep your information safe:

• Any page that requires you to log in to gain access is secure-this includes your Upromise account that contains your personally identifiable information.
• If you leave the Upromise site by clicking on any links provided, Upromise is no longer responsible for your security.
• Certain areas of our site that are available to the general public are not secure-because no personal information is being stored. For instance, the How It Works pages do not require any exchange of information, so there are no security risks on these pages.
• For more information on security, please read our Security Statement.

Do I need special software to participate in Upromise?

No special software is required to participate in Upromise. All you need is an Internet connection and a browser that supports 128-bit encryption and cookies.

What is 128-bit encryption?

To enroll in Upromise or to log in to your Upromise account, you must use a web browser that supports 128-bit SSL (Secure Socket Layer) encryption. SSL is a method of securing data transmitted over the Internet. 128-bit SSL is the industry standard for financial transactions and is the highest-level of encryption generally available today.

How do I tell if my browser supports 128-bit encryption?

128-bit encryption is a standard feature of most current browsers, including Microsoft Internet Explorer 6+. To check the level of encryption supported by your browser, please follow the steps below:

For Microsoft Internet Explorer:

1. Open your browser window.
2. Click on the "Help" menu at the top of the browser window.
3. Select the menu choice "About Internet Explorer".
4. A window will appear with information about the version of Internet Explorer that you are using. In this window you will see the label "Cipher Strength". Next to this label it will say "128-bit" if your browser supports 128-bit encryption.

For more information about 128-bit encryption for Microsoft Internet Explorer visit the Microsoft website.

If your browser does not support 128-bit encryption, you will need to upgrade your browser to access the Upromise website. To update your browser, please follow the links provided above.

From which browsers can I access the Upromise site?

You can access the Upromise site from all the most popular browsers, including Internet Explorer and Firefox. To access the secure areas of the Upromise website, your browser must support 128-bit encryption.

Windows XP (SP3) and Vista:

• IE 7.x or later
• FF 3.x

Mac OS X:

• FF 3.x

What are the Upromise website's system requirements?

Browser requirements:
The Upromise service is designed for use with most common browsers. Supported browsers are Microsoft Internet Explorer version 7.x or later, Firefox 3.x or later running on Microsoft Windows 2000, Microsoft Windows XP, Microsoft Windows Vista or Macintosh OS X platforms.

Internet access:
You must have access to the Internet through an Internet Service Provider to use the Upromise service. If you are having problems accessing portions of Upromise, please contact your Internet Service Provider or corporate network administrator.

Internet Access - Technical Information for Network Administrators:
The Upromise service works via direct browser access or through proxy servers. Your browsers or proxy servers must be configured to allow both secure (HTTPS port 443) and insecure (HTTP port 80) access to the Upromise service.

How can I tell if I'm in a secure area?

There are several ways to confirm that you are in a secure area.

• All SSL-capable (Secure Sockets Layer) browsers have a symbol to indicate when you are in a secure area of a site. For example:

Browser	Location	Non-Secure Area (Normal)	Secure Area
Microsoft Internet Explorer	Lower Right	NONE	Closed Lock

• Another way to identify a secure area is by looking at the URL. If the first piece of code (before the colon) says "http"- you are not in a secure place. If it says "https" you will know you're in a secure area.

Can I use MSN TV/Web TV to access the Upromise website?

You may be able to access our website with MSN TV/Web TV, however, it is not a browser that Upromise officially supports. If you experience problems on our website when using MSN TV/Web TV, we may not be able to assist you.

How often is your site updated?

The Upromise site is updated on an ongoing basis. In order to take full advantage of your Upromise membership, you should visit the site periodically for information about your Upromise account, new contributing companies, special offers, relevant news, and updated content.

What should I do if I'm having a problem with my browser?

Contact your Internet Service Provider, the help desk of the company that supports your browser, or the help desk where you bought your computer.

How do I enable my computer to accept cookies?

Enabling your computer to accept cookies will allow you to enroll in Upromise and access your Upromise account. Follow these directions to enable cookies on your computer:

Why does Upromise use cookies?

Our web servers place and read "cookies" on our site's visitors' computers for a variety of purposes. Cookies are small data files that are stored on an Internet user's computer by a web server. One important use of cookies is to validate your identity while you are logged in to the Upromise site. Consequently, if your browser does not accept session cookies, you will be unable to enroll or log in to our service. You will, however, be able to browse our site as a visitor. The information Upromise collects from cookies and web server logs is used to administer the web service and customize information you receive when visiting our site. Upromise may also use and share aggregate information from cookies and web server logs to analyze and improve our web service offerings. Read Upromise's privacy statement for more information.

How do I access the Upromise site without cookies enabled?

If your browser does not accept session cookies, you will be unable to enroll or log in to our service. You will, however, be able to browse our website as a visitor. Read Upromise's privacy statement for more information.

How do I bookmark or save as a favorite the Upromise site for future visits?

Follow these directions:

Your site seems slow. Is there a problem?

The Upromise site has been developed to load and operate at optimal speed. This speed will vary depending on your specific type of connection to the Internet, as well as the amount of traffic coming to our site and generally on the Internet at that time. During high-traffic times, information moves more slowly. If you are experiencing difficulties, try visiting our site at a different time of the day.

I forgot my password. What should I do?

If you forgot your password, you have two options for accessing your account:

Option 1: Tell us your username, phone number, and information about a credit/debit card or grocery card that you registered with Upromise. Then provide the correct response to the security question that you entered during enrollment and you will have immediate access to your account. Upon accessing your account, you will be prompted to update your password and confirm your current email address.

Option 2: Tell us your username and registered email address. Then provide the correct response to the security question that you entered during enrollment and we will email a temporary password to your registered email address. Once you receive this email, return to the Upromise website and log in. After you log in with this temporary password, you will be prompted to create a new password.

I Forgot My Password

What is a username?

Your username, which you have chosen yourself, is the name you enter each time you log in to your Upromise account. This, combined with your password, is your unique access code to your Upromise account.

I forgot my username. What should I do?

If you forgot your username, you can also try to log in to your account by entering the email address that you registered with Upromise in the "Username" field on the login screen. If you are still not able to login, you have two options for requesting your username:

Option 1: Tell us your phone number and information about a credit/debit card or grocery card that you registered with Upromise. We will then display your username on the screen.

Option 2: Tell us your registered email address and we will email your username to your registered email address. You will receive an email with your username within a few minutes. Once you receive this message, return to the Upromise website and log in.

I Forgot My Username

I forgot my username and password. What should I do?

If you forgot both your username and password, first request your username. Once you have your Upromise username you can then request a password.

I'm having trouble with my username and password. I'm locked out - what should I do?

Your account will be locked whenever you exceed the maximum number of unsuccessful log in attempts. This policy is designed to protect your personal account from being accessed by any unauthorized party.

If you are locked out of your account, follow these steps to request a temporary password:you will need to reset your password.

If you are still having trouble logging in, please email Upromise Customer Care at
customercare@upromise.com.

How do I change my password?

Simply go to the Profile section of your Upromise account to update your password.

How does Upromise keep my credit card information private and secure?

Our members' security and privacy are critically important issues for Upromise. We've made several innovations to protect your data and personal identity throughout the Upromise service.

Upromise protects your data by:

• Monitoring for intrusion attempts - 24 hours a day, 7 days a week;
• SSL, Data, and Password encryption technology;
• Firewalls and systems monitoring;
• Security audits and inspections by leading security firms.

All data Upromise exchanges with contributing, financial, and technology companies is communicated over point-to-point private lines or is encrypted for transfer over public networks.

My credit card was rejected by Upromise. What should I do?

If your credit card was rejected by Upromise, try following these simple steps:

1. Simply log in to the My Account section of our website.
2. Click on "Profile" (you'll find this link in the blue navigation bar on the left of the screen).
3. You'll see a list of your registered credit cards about halfway down the page - just click "Update" next to the appropriate card to review and resubmit your information.
4. Follow the steps to edit your name and address to be sure they match the information on your credit card statement and submit your changes.
5. If your name and address already match your credit card billing statement, please try calling your credit card company to see if there is some other problem.
6. If you confirm that your credit card account is in order, and the card is still being rejected by Upromise, please email Upromise Customer Care at customercare@upromise.com.

How do I register my grocery or drugstore card?

To register your grocery cards, simply:

1. Visit the Grocery section of the Upromise website (you'll find this link in the blue navigation bar at the top of your screen). You'll be prompted to log in.
2. After logging in, click on the big yellow button at the top of the page that says "Register Now"
3. Follow the instructions to register your grocery cards and find participating grocery and drug stores in your area.

Currently, you can register your grocery cards and register your CVS ExtraCare Card by visiting the "Grocery" section of our website.

Can I log in to my Upromise account from a computer that is not my own?

You can view the Upromise site and log in to your account from any computer that has Internet access. Read more about Upromise and security to find out how your Upromise account can be kept secure on a public computer.

What should I do with the messages I receive in my Upromise account?

First review those messages for any critical information, and then perform any necessary actions that are contained in them.

How do I edit my name in my Profile?

If you have legally changed your name, typed your name incorrectly (e.g., you typed "Smiht", but it should be "Smith") or you have entered your child's name as the account owner and your own as beneficiary, please Contact Us to edit it.

How do I change information about a future college student?

Simply go to the Students area of your Upromise account to update any information about a future college student.

Can I withdraw company contributions from my Upromise account without transferring them to a savings plan, and if so, how?

You can withdraw your Upromise contributions at any time during your membership. To withdraw company contributions from your Upromise account, submit a letter in writing to Upromise requesting a withdrawal from your Upromise account. The letter must state your full name and exact amount that you would like to withdraw, up to total amount available in your account, pending contributions are not eligible for withdrawal.

For the protection of our members, we require that your letter either be notarized or contain a Signature Guarantee if the withdrawal request is in excess of $200. A Signature Guarantee is a guarantee you can obtain from a financial institution, such as your bank, that your signature is yours and that it is genuine.

Withdrawal letters should be sent to:

Upromise
ATTN: Customer Care
P.O. Box 55555
Boston, MA 02205-5555

Checks are sent once per calendar quarter, so you should typically receive your check within 12 weeks of your request being received.

To make your savings work for you, you may want to consider transferring your company contributions to an investing plan for a future college student.

Why did the transfer to my 529 fail?

We were unable to process your transfer based on the current information registered in your account. Please email Customer Care at customercare@upromise.com.

I am not receiving email newsletters and updates. What should I do?

Check the Profile area of your Upromise account to ensure that you have given us your correct email address and that you have not opted out of any emails you would like to receive.

How do I unsubscribe so that I stop receiving email from Upromise?

To unsubscribe, update your profile in the Manage Profile section of your Upromise account.

How do I decline future contributions from a Family & Friends member if they are contributing to my student?

As the member who has opened or plans to open a 529 account for a future college student, go to the Manage Family & Friends section of your Upromise account and select the link to remove the appropriate member.

Having trouble linking to an online partner or not receiving merchant detail pop-ups?

Here are some reasons and tips on how to troubleshoot these problems:

1. Pop-up blocker software is enabled - In order to view important online merchant information such as terms and conditions and Special Offers from Upromise, you must turn off your pop-up blocker feature or enable pop-ups specifically from Upromise.com.
2. Disable pop-up blocking software or enable pop-ups from Upromise.com to allow merchant detail pop-ups to display - There are many different types of pop-up blocking software available and as many different ways to disable pop-ups and enable specific ones. If you have any of the following popular software installed, you may have pop-up blocking software enabled. You can either disable the pop-up blocking software all together or you can enable pop-ups from Upromise.com within the pop-up blocking software. We've provided links below to popular software that you may have installed that feature pop-up blockers. These links should be able to help you learn more about how to disable pop-up blocking software all together and how to enable specific pop-ups, like the informational pop-ups from Upromise.com.
   • AOL Toolbar or AOL 9.0
   • Google Toolbar
   • Yahoo Toolbar
   • MSN Toolbar
3. Disable ad-blocking software - If you have Norton Internet Security installed, you will need to disable the ad-blocking feature in order to be able to click through to Merchant sites.

   To disable Ad Blocking in Norton Internet Security:

   • Select Start-> Programs-> Norton Internet Security-> Norton Internet Security
   • Click on "Ad Blocking"
   • Click on "Turn Off"
4. Your Systems Administrator may be blocking you - If you are attempting to shop from your office, your System Administrator could have restrictions on your ability to do certain things such as shopping online. In such instances, please contact your Systems Administrator regarding this type of restriction being lifted, or simply shop at Upromise from another computer.
5. Problems linking through emails - If you are experiencing problems when attempting to shop through one of our emails, we would suggest visiting our website directly, www.upromise.com, and choosing the "Shop Online" link.