Privacy Disclosure

This Privacy Disclosure explains the privacy policies of MetaBank and Blackhawk Network ("Company") with respect to the Only1 Visa Prepaid Card program.

We are committed to protecting our customers' privacy and security. This disclosure explains what information we collect about you, with whom we share it, and how you can direct us not to share certain information with certain parties.

DEFINITIONS

We, our, and us, means MetaBank and Company, the marketer for your Only1 Visa prepaid card issued by MetaBank.

You and your, means customers with an Only1 Visa Prepaid Card issued by MetaBank, as well as any consumers who enroll for an Only1 Visa Prepaid Card issued by MetaBank.

"Personal Information", means information about you that we collect in connection with providing a financial product or service to you. Personal Information does not include information that is available from public sources, such as telephone directories or government records.

Affiliate, means a company MetaBank or Company owns or controls, a company that owns or controls MetaBank or Company, or a company that is owned or controlled by the same company that owns or controls MetaBank or Company. Ownership does not mean complete ownership, but means enough to have control.

Nonaffiliated third party, means a person not employed by MetaBank or Company or a company that is not an affiliate of MetaBank or Company.

Opt-In, means a choice you can make to authorize certain sharing or use of Personal Information. We will explain how you can exercise this choice.

Opt out, means a choice you can make to prevent certain sharing or use of Personal Information. We will explain how you can exercise this choice.

INFORMATION WE COLLECT AND DISCLOSE

We collect and may disclose the following kinds of Personal Information about you:

Information you provide on applications or other forms, such as name, address, e-mail address, social security number, telephone number, and date of birth;
Information about your transactions with us, our affiliates, or other parties, such as card balance, payment history, parties to transactions, and card usage; and
Information we receive from a consumer reporting agency, such as verification of your identity and creditworthiness.

We may also collect and disclose information about how users use our Web site, for example, by tracking unique views received by pages of the Web site or the domains from which users originate. We may also use "cookies" to track returning users to our Web site. A cookie is a piece of software that a Web server can store on the users' PCs and use to identify the users should they visit the Web site again. Information collected through tracking and cookies may be associated with Personal Information that users provide us through our Web site or that we otherwise obtain.

INFORMATION WE SHARE WITH SERVICE PROVIDERS OR JOINT MARKETERS

We may disclose all of the Personal Information we collect, as described above, to companies (including, but not limited to affiliates) that perform services on our behalf, including, but not limited to those who assist us in preparing and mailing statements (if applicable) and responding to customer inquiries. We may provide that Personal Information, except for information from consumer reporting agencies, to others who perform marketing services for us and to financial institutions that are not MetaBank's affiliates with whom MetaBank jointly offers financial products or services. You do not have the right to opt out of the disclosure of this information.

INFORMATION WE SHARE WITH AFFILIATES

Our respective affiliates include nonfinancial companies, and may include financial service providers, such as insurance companies. In addition to the Personal Information we share with affiliates that provide services to us, we may share Personal Information described above among our respective affiliates in order to provide you with information about additional products and services. You have the choice to opt out from our sharing of Personal Information with affiliates for their marketing purposes (not including MetaBank's joint marketing) although, even if you opt out, we may still disclose your information as permitted by law. In certain states, You must opt-in to permit this type of sharing of personal Information with Affiliates.

INFORMATION WE SHARE WITH NONAFFILIATED THIRD PARTIES

MetaBank may disclose information to non-affiliated third parties who does not belong to its corporate family, including but not limited to Company (the program manager for the Only1 Visa Prepaid Card issued by MetaBank) and Company's Affiliates. These nonaffiliated third parties may include financial services providers, such as mortgage and insurance companies; nonfinancial companies, such as direct marketers, retailers and publishers; and others, such as nonprofit organizations.

You have the choice to opt out from MetaBank's sharing of Personal Information with these types of third parties although MetaBank and Company may still disclose your information as permitted by law. In addition, in general neither MetaBank nor Company will not disclose Personal Information to nonaffiliated third parties as long as your billing address is in California or Vermont except as permitted by law.

YOUR RIGHT TO OPT-OUT OF DISCLOSURES TO AFFILIATES AND NON-AFFILIATED THIRD PARTIES

If you prefer that MetaBank not share Personal Information about you with third parties, you may opt-out of those disclosures at any time by directing MetaBank not to make those disclosures (other than disclosures permitted or required by law). You may opt-out by calling Company's Customer Service at (866) 630-2504 or by writing to us at Customer Service, P.O. Box 71402, Salt Lake City, UT 84121.

YOUR RIGHT TO OPT-IN FOR DISCLOSURES TO AFFILIATES AND NON-AFFILIATED THIRD PARTIES

In certain states, as described below, you must opt-in before MetaBank may share Personal Information about you with third parties. You may opt-in for those disclosures at any time by directing MetaBank to make those disclosures (which does not affect the disclosures permitted or required by law). You may opt-in by calling Company's Customer Service at (866) 630-2504 or by writing to us at Customer Service, P.O. Box 71402, Salt Lake City, UT 84121.

INFORMATION SECURITY

We restrict access to Personal Information about you to our employees who have a need to know such information (e.g., to process your transactions). We train our employees on the importance of customer privacy and confidentiality. We also maintain physical, electronic, and procedural safeguards that comply with federal standards to guard the nonpublic personal information of our customers.

INFORMATION ABOUT FORMER CUSTOMERS

The privacy policies and practices described in this Privacy Disclosure also apply to our former customers.

PRIVACY PRACTICES OF THIRD PARTIES

Our website may feature links to third-party sites that offer goods, services, or information. We are not responsible for content or privacy policies or practices of any advertisers or linked sites of any third parties. We encourage you to review their privacy policy before providing them with any personally identifiable information. Third party sites may collect and use information about you in a way that is different from this policy.

ACCESS OR CORRECT YOUR INFORMATION

You can access most of your Personal Information that we collect online and maintain at www.only1.com. You can correct factual errors in your nonpublic personal information by contacting us at the number or address listed above.

CHANGES TO THIS PRIVACY DISCLOSURE

We may change our Privacy Disclosure from time to time. We will provide customers with a revised disclosure that describes the new practices as required by law. To view the most current version of the Privacy Disclosure please visit: www.only1.com.

SPECIAL NOTICE FOR CALIFORNIA RESIDENTS

In order to comply with California law, if our records with respect to your card indicate a California address we will not disclose information that we have about you outside of our family of companies, unless otherwise permitted by law.

YOUR CALIFORNIA PRIVACY RIGHTS

Pursuant to California Civil Code section 1798.83 California residents who have an established business relationship with us or the Company have the right to receive certain information about information we share with third parties for direct marketing purposes during the preceding calendar year. Residents of California may opt out of this sharing for direct marketing or obtain further information by calling at (866) 630-2504 or by writing to us at Customer Service, P.O. Box 71402, Salt Lake City, UT 84121.

SPECIAL NOTICE FOR VERMONT, MAINE, NORTH DAKOTA AND ALASKA RESIDENTS

In order to comply with state law, if our records with respect to your card indicate an address in one of the states listed above we will not disclose nonpublic personal financial information about you to nonaffiliated third parties, other than permitted by law, unless you authorize us to make that disclosure. Your authorization must be in writing or, if you agree, in electronic form. If we disclose information about you to nonaffiliated third parties with whom we have joint marketing agreements, we will only share information about your name, contact information, and our own transactions and experiences with you.

QUESTIONS

If you have any questions regarding this Privacy Disclosure, you can contact us at (866) 630-2504 or by writing to us at Customer Service, P.O. Box 71402, Salt Lake City, UT 84121.

Effective Date November 1, 2007.