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MasterCard Worldwide hereby authorizes you to copy documents published by MasterCard Worldwide on the World Wide Web for non-commercial use within your organization only. In consideration of this authorization, you agree that any copy of these documents which you make shall retain all copyright and other proprietary notices contained herein. Each individual document published by MasterCard Worldwide on the World Wide Web may contain other proprietary notices and copyright information relating to that individual document. Except as expressly provided above, nothing contained herein shall be construed as conferring by implication, estoppel or otherwise any license or right under a copyright, trademark or other intellectual property right of MasterCard Worldwide or any third party. Note that any product, process, or technology in this document may be the subject of other intellectual property rights reserved by MasterCard Worldwide, and may not be licensed hereunder.

This publication is provided "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

Any MasterCard Worldwide publication may include technical inaccuracies or typographical errors. Changes may be periodically made to these publications; these changes will be incorporated in new editions of these publications. MasterCard Worldwide may make improvements and/or changes in the products and/or the programs described in these publications at any time without notice.

Should any viewer, by electronic mail or otherwise, of a MasterCard Worldwide Incorporated published document respond by electronic mail or otherwise with information including feedback data, such as questions, comments, suggestions, or the like regarding the content of any such MasterCard Worldwide document, such information shall be deemed to be non-confidential and MasterCard Worldwide shall have no obligation of any kind with respect to such information and shall be free to reproduce, use, disclose and distribute the information to others without limitation.

Further, MasterCard Worldwide shall free to use any ideas, concepts, know-how or techniques contained in such information for any purpose whatsoever including but not limited to developing, manufacturing and marketing products or services incorporating such information.

MasterCard Worldwide provides access to MasterCard Worldwide international data and, therefore, may contain references or cross references to MasterCard Worldwide products, programs and services that are not announced in your country. Such reference does not imply that MasterCard Worldwide in your country intends to announce such products, programs or services.

Below is a listing of trademarks and service marks owned by MasterCard Worldwide and its subsidiaries in the United States which is current as of May 16, 2002 . Any questions relating to any trademark of MasterCard Worldwide or its subsidiaries should be referred to the Law Department of MasterCard Worldwide at the following address:

General Counsel
MasterCard Worldwide
2000 Purchase Street
Purchase , New York 10577-2509

Trademarks followed by ® are registered trademarks or service marks of MasterCard Worldwide or its subsidiaries in the United States; all others trademarks or service marks listed below are the subject of trademark applications of MasterCard Worldwide or its subsidiaries in the United States.

MasterCard Worldwide
Registered Trademarks

A HOME FOR THE HOLIDAYS
AIMS®
ASSETMASTER®
BANKNET®
BUSINESSASSIST®
CIRRUS®
CIRRUS DIRECTIONS Design®
CIRRUS WORLDWIDE CASHASSIST®
COOLCARD
Corporate Card Face Design®
CREDITTALK
DEBIT MASTERCARD SUNSTAKES
Distinctive Interlocking Circles Design®
DOUBLE "EE" MASTERCARD & DESIGN
E-GUARD
E MASTERCARD & DESIGN
EXPRE$$ LANE®
EXPRESS LANE®
FLY A FRIEND FOR FREE
FOR A CLEAN BILL OF HEALTH®
GET MORE OUT OF SHOPPING WITH MASTERCARD®
GOLD MASTERCARD®
GOLD MASTERCARD COLLECTION
GOLD MASTERMONEY®
GOLD TICKET®
GOLD MASTERCARD GOLD TICKET SEATING
Hologram Design®
HOT DEALS®
I-PURCHASING
LODGEMASTER®
M-TRUST
MAESTRO®
MAESTRO E-COMMERCE
MAESTRO MAN Design
MASTER PURCHASE PLAN®
MASTER PURCHASE PLAN Design®
MASTER RECOVERIES®
MASTER ROADASSIST®
MASTER THE OUTLETS®
MASTERASSIST®
MASTERASSIST MEDICAL PROTECTION®
MASTERBANKING®
MASTERCARD®
MASTERCARD & Design®
MASTERCARD ADVISORS
MASTERCARD BENCHMARK ADVANTAGE®
MASTERCARD BUSINESS BONUSES®
MASTERCARD BUSINESS SAVINGS
MASTERCARD BUSINESSCARD®
MASTERCARD BUSINESSCARD DEBIT
MASTERCARD CHARGEBACK NAVIGATOR®
MASTERCARD CORPORATE CARD®
MASTERCARD Corporate Card Design
MASTERCARD CORPORATE EXECUTIVE CARD®
MASTERCARD CORPORATE FLEET CARD®
MASTERCARD CORPORATE MULTI CARD®
MASTERCARD CORPORATE PAYMENT SOLUTIONS®
MASTERCARD CORPORATE PURCHASING CARD®
MASTERCARD DESTINATIONS®
MASTERCARD E-CASH
MASTERCARD E-MARKETACCESS
MASTERCARD E-WALLET
MASTERCARD EXCLUSIVES®
MASTERCARD EXCLUSIVES ONLINET
MASTERCARD EXCLUSIVES ONLINE DESIGN®
MASTERCARD EXECUTIVE BUSINESSCARD®
MASTERCARD GETAWAYS SWEEPSTAKES®
MASTERCARD GLOBAL SERVICE®
MASTERCARD GOVERNMENT FLEET CARD
MASTERCARD GOVERNMENT INTEGRATED CARD
MASTERCARD GOVERNMENT PURCHASING CARD
MASTERCARD GOVERNMENT TRAVEL CARD
MASTERCARD HOLIDAY SAVINGS CARD
MASTERCARD HOT DEALS
MASTERCARD II & Design
MASTERCARD M/CHIP
MASTERCARD MARKETACCESS®
MASTERCARD MARKET ADVISOR®
MASTERCARD MASTERPHONE & DESIGN
MASTERCARD MASTERTAGGER®
MASTERCARD MATCH®
MASTERCARD MERCHANT ADVISOR
MASTERCARD MINI-CHARGE
MASTERCARD MOBILE CURRENCY
MASTERCARD ONLINE®
MASTERCARD ONLINE REPORTING EXCHANGE®
MASTERCARD ONLINE SHOPPER
MASTERCARD OPERATIONS ADVISOR®
MASTERCARD PLATINUM TREASURES®
MASTERCARD PORTFOLIO ADVISOR®
MASTERCARD PRIORITY CARD CONNECTION®
MASTERCARD PUBLIC SECTOR FLEET CARD®
MASTERCARD PUBLIC SECTOR MULTI CARD®
MASTERCARD PUBLIC SECTOR PAYMENT SOLUTIONS®
MASTERCARD PUBLIC SECTOR PURCHASING CARD®
MASTERCARD PUBLIC SECTOR TRAVEL CARD®
MASTERCARD PURCHASING CARD®
MASTERCARD RAPID SHOT SWEEPSTAKES
MASTERCARD RELATIONSHIP PLUS
MASTERCARD REPEATPAY
MASTERCARD REWARDS
MASTERCARD RPPS
MASTERCARD SITE DATA PROTECTION SERVICE
MASTERCARD SMALL BUSINESS CONNECTIONS®
MASTERCARD SMARTLINK
MASTERCARD SUMMER ESCAPE
MASTERCARD TRAVELERS CHEQUE®
MASTERCARD Travelers Cheque Design®
MASTERCARD VACATIONS®
MASTERCARD, IT'S SMART MONEY
MASTERCARD, THE BEST WAY TO PAY AT THE BALLPARK
MASTERCARD, THE BEST WAY TO PAY ON THE INTERNET
MASTERCARD, THE FUTURE OF TRANSACTIONS
MASTERCARD, THE LIFESTYLE CARD
MASTERCARE®
MASTERCHECKING®
MASTERCOM®
MASTERCOM & Design®
MASTERCOVERAGE®
MASTERDELIVERY
MASTERGIFT
MASTERING E-BUSINESS
MASTERLEGAL®
MASTERLINK®
MASTERMILES
MASTERMONEY®
MASTERMONEY BUSINESSCARD®
MASTERMONEY, IT'S MORE THAN AN ATM CARD, IT'S SMART MONEY®
MASTERPURCHASE®
MASTERRENTAL®
MASTERSOURCE
MASTERTELLER®
MASTERTELLER & Design®
MASTERTRIP®
MASTERTRUST
MASTERVALUES®
MASTERWORKS®
MINI PAY
MINI-CHARGE
MOBILE CURRENCY
MORE LIVING. LESS LIMITS.®
MPP Design®
NOW IT'S A THRILL TO BE SMART®
ONESMART
ONESMART CARD, MORE SMART CHOICES
ONESMART MASTERCARD
P Design®
PAYPASS
PLANMASTER®
PLATINUM MASTERCARD®
PLATINUM MASTERCARD COLLECTION
PLATINUM MASTERCARD VACATIONS®
PRICELESS®
PRICELESS EDGE
PRICELESS HOLIDAY GIFTS
PRICELESS MOMENTS
PURCHASE ASSURANCE®
REPORTMASTER®
RETAIL TICKER
RISKFINDER
SAVE YOUR CASH DAYS®
SCORE FUSION
SHAPING THE FUTURE OF MONEY®
SHOP SMART & Design®
Signature Panel®
SMALL BUSINESS CONNECTIONS®
SPA
SUNSTAKES
THE BASEBALL CARD & Design®
THE BEST WAY TO PAY
THE BEST WAY TO PAY FOR EVERYTHING THAT MATTERS®
THE BEST WAY TO PAY ON THE INTERNET
THE CARD THAT'S AS SMART AS I WANT IT TO BE
THE CARD WITH A BRAIN
THE COMPLETE CHIP SOLUTION®
THE COMPLETE DEBIT PROGRAM®
THE FUTURE OF MONEY®
THE LIFESTYLE CARD®
THE OFFICIAL CARD OF GIFT GIVING
THE WAY TO PAY ON THE INTERNET
THERE ARE SOME THINGS MONEY CAN'T BUY, FOR EVERYTHING ELSE THERE'S MASTERCARD®
UCAF
VIRTUAL MASTERCARD
WEBPURCHASING®
WORLD MASTERCARD®
WORLD MASTERCARD UNIQUE EXPERIENCES®
WORLD MASTERCARD, MORE LIVING, LESS LIMITS
YOUR MONEY. WHEREVER YOU ARE