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Copyright 1994, 1995, 1996, 1997, 1998, 1999, 2000, 2001, 2002 MasterCard International Incorporated Copyright MasterCard International Incorporated 1994, 1995, 1996, 1997, 1998, 1999, 2000, 2001, 2002. All rights reserved. MasterCard International Incorporated hereby authorizes you to copy documents published by MasterCard International Incorporated 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 International Incorporated 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 International Incorporated 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 International Incorporated, 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 International Incorporated 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 International Incorporated 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 International 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 International Incorporated document, such information shall be deemed to be non-confidential and MasterCard International Incorporated 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 International Incorporated 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 International Incorporated provides access to MasterCard International Incorporated international data and, therefore, may contain references or cross references to MasterCard International Incorporated products, programs and services that are not announced in your country. Such reference does not imply that MasterCard International Incorporated in your country intends to announce such products, programs or services. Below is a listing of trademarks and service marks owned by MasterCard International Incorporated and its subsidiaries in the United States which is current as of May 16, 2002. Any questions relating to any trademark of MasterCard International Incorporated or its subsidiaries should be referred to the Law Department of MasterCard International at the following address: <blockquote>General Counsel MasterCard International Incorporated 2000 Purchase Street Purchase, New York 10577-2509</blockquote> MasterCard International Incorporated provides access to MasterCard International Incorporated international data and, therefore, may contain references or cross references to MasterCard International Incorporated products, programs and services that are not announced in your country. Such reference does not imply that MasterCard International Incorporated in your country intends to announce such products, programs or services. Below is a listing of trademarks and service marks owned by MasterCard International Incorporated and its subsidiaries in the United States which is current as of May 16, 2002. Any questions relating to any trademark of MasterCard International Incorporated or its subsidiaries should be referred to the Law Department of MasterCard International at the following address: <blockquote>General Counsel MasterCard International Incorporated 2000 Purchase Street Purchase, New York 10577-2509</blockquote> Trademarks followed by ® are registered trademarks or service marks of MasterCard International Incorporated or its subsidiaries in the United States; all others trademarks or service marks listed below are the subject of trademark applications of MasterCard International Incorporated or its subsidiaries in the United States. MasterCard International Incorporated Registered Trademarks <table border=0 cellspacing=0 cellpadding=0 width="470"> <tr> <td align=center valign=center width="136" height="62"><img src="images/copyright/mc.gif" alt="MasterCard International" height=62 width=103 border=0></td> <td align=center valign=center width="136" height="62"><img src="images/copyright/cirrus.gif" alt="Cirrus" height=62 width=103 border=0></td> <td align=center valign=center width="136" height="62"><img src="images/copyright/maestro.gif" alt= "Maestro" height=62 width=103 border=0></td> </tr> </table> 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 ONLINE 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 <dd>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 <dd>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 <dd>EVERYTHING ELSE THERE'S MASTERCARD® UCAF VIRTUAL MASTERCARD WEBPURCHASING® WORLD MASTERCARD® WORLD MASTERCARD UNIQUE EXPERIENCES® WORLD MASTERCARD, MORE LIVING, LESS LIMITS YOUR MONEY. 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