their networks, and is authorized to be an issuing processor for cards bearing Visa, Electron, Interlink, PLUS, MasterCard, Maestro, Cirrus and Discover/NOVUS payment marks.

WildCard Systems' mission is to continually develop innovative electronic payment products that serve a broad range of markets and are delivered on a stored-value platform using host-based "smart" technology and effective use of the Internet to deploy critical service applications.

Superior technology, speed-to-market, outstanding service and continuous innovation are core to WildCard Systems. As an integral part of WildCard's solutions, the company has developed a secure platform that supports client configurable program management, cardholder account management, card distribution and other essential services for banks and business partners around the world. Additionally, WildCard offers a robust Web-based platform in which business partners can define what services they wish to offer cardholders securely through the Internet. The company's card-issuing platform and Web services are complemented by a full range of value-added services that include enrollment and value loading applications, cardholder servicing, financial reporting, risk management, business analytics, project management and ongoing relationship management. Working with WildCard Systems, banks and commercial clients are able to reconfigure these services in order to permit competitive differentiation, enable the support of unique program requirements, and capitalize on new product opportunities, ultimately achieving business success.