Welcome to PANELA TOBIAS (UKAY UKAY-SUPPLIER). Please rest assured that your personal and credit
card information is safe with us. We utilize many security features to keep your information safe. We
use a firewall and also protect all transactions using Secure Sockets Layer (or SSL, sometimes referred to
as a secure certificate), which is an encryption technology that works with Netscape, Microsoft Internet
Explorer, AOL, and many other browsers. This ensures that only Panela Tobias (Ukay Ukay) can view
your personal information.

You know how a lot of people are scared of flying, even though it’s statistically safer than driving? The
same paradox exists for online credit card use versus traditional credit card use. Online purchases are
statistically safer than using your credit card at a restaurant or department store. Technical experts state
that online purchases are far safer than traditional credit card transactions because the information is
immediately encrypted into a scrambled message that can only be decrypted by an authorized
computer.

Under the Fair Credit Billing Act, your bank cannot hold you liable for more than $50.00 of fraudulent
charges. If your bank does hold you liable for any of this $50.00, we will cover the liability for you up to
$50.00. We will only cover this liability if the unauthorized use of your credit card resulted through no
fault of your own from purchases made at our site while using the secure server. In the event of
unauthorized use of your credit card, you must notify your credit card provider in accordance with its
reporting guidelines and procedures.