Only the new (within the last 3-6 months or so) mainboards come with USB 2 as standard so I would say it is likely that you probaby only have USB 1.1 Fitting a PCI USB 2 card is very easy and they are not that expensive, you may want the USB 2 / Firewire combination card to make your PC more future proof. I think the minimum requirement for USB 2 is Windows 98SE, so if you have an OS before this, I would think about an upgrade. Finally, if you are MAC user, they don't use USB 2 as they prefer the Firewire alternative.