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FinalTel offers service to both residential and business customers on a presubscription basis. All customers get the same service, rates, and discounts. 2.3 Why should I use your service? I have been with AT&T for thirty years. For the first 15 of those 30-years, AT&T was, for many people, the only telephone service. During the past 15-years many competitors to AT&T, including FinalTel, have emerged. AT&T has gone from almost 100% of the market in 1984 to less than 60% today due to lower rates by their competitors. Some AT&T customers remain faithful because they believe the AT&T service is of a higher quality. The fact is, all carriers use the same digital technologies to provide telephone service and all carriers must comply with the same call completion rate. Today, distinction in quality of service is almost imperceptible. 2.4 How do I pay for services? You can pay by credit or directly from your bank account (called ACH for "automated clearing house"). Whether your credit card or checking or savings account is debited, it happens automatically once per month on your billing day. There is a charge for obtaining payment which varies by payment method and amount. 2.5 Is it safe to give you my credit card number over the internet? Although the underlying Internet network is not secure, communications across the Internet are made secure by using end-to-end encryption. FinalTel uses Secure Socket Layer with 128-bit keys that operate between your PC and our computers. The Secure Socket Layer encrypts the data before leaving your PC and the data does not get decrypted until the data is in our computer. The 128-bit key is the state-of-the-art in encryption. If someone eavesdrops on our communications, it would take them more than a trillion trillion years to break the encryption. By then, the data would be of no value to anyone. This method of communicating credit card information is far safer than using a credit card in person, for example at a restaurant. We prefer that you use the Internet for registration and for the updating of your account information. If this doesn't work for you, give us a call at 1-866-972-4401 from any telephone. Important: if you use a public browser, e.g. in a library, then be sure to exit the browser program when you are done to flush your username and password from the browser's cache. This will ensure that authentication will be required the next time your account is accessed. 2.6 Do you reimburse PIC change charges? No. We view the PIC Change charge reimbursement as just another gimmick. Not everyone is subject to PIC Change charge and the charges vary among telephone companies. The PIC Change charge is a one-time charge. If we reimburse for it, our rates, which are recurring, would have to increase to cover it. We prefer to keep the recurring rates as low as possible since it will be an advantage to all of our customers. We believe that our customers will more than recoup the cost of the PIC Change charge from the savings in using our services. You may be able to get the PIC Change charge reduced or waived in certain situations. If you recently moved or you are signing-up multiple phones and you change the PIC for all working numbers associated with the same billing number, you should call your local phone company to make the switch yourself. In that case, you must choose not to have FinalTel initiate the change when you sign-up your numbers.