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".....our business relationship has been ongoing since United Cash Back´s formation in 1993.....Due to the character of the business that UCB is exposed to, it is of utmost importance to operate on a serious and reliable basis. This has proven to be the case for UCB and we have never experienced any difficulties with this customer.....Tax refunds are collected on a special UCB account.....To guarantee the validity and proper authorisation of payments, all instructions are signed by the general manager and a member of the board before the bank executes the payments..... "