Visa U.S.A. is one of the nation's leading payment brands, backed by a reliable, secure and scaleable payments network. Offering a diversified portfolio of payment products and services, Visa links more than 13,000 financial institutions, 6.3 million merchant acceptance locations and 500 million cardholders.

After nearly 40 years of innovation, Visa payments provide a great degree of flexibility, convenience, acceptance and security. Visa enables commerce by giving consumers and businesses the ability to pay now with debit cards, pay later with credit products or pay in advance with a range of prepaid offerings. Visa is also one of the leaders in payments for small businesses and offers a wide range of commercial products and services to meet the payment needs of corporations and government agencies.

Visa drives growth in electronic payments and volume through its payment network by:

· Giving consumers and businesses new ways and more reasons to use Visa in more places

· Partnering with member financial institutions to help increase revenue, cut costs and increase customer loyalty and satisfaction

Backing Visa's products and services is a reliable and advanced payment technology. Financial institutions around the world rely on Visa's processing system, VisaNet, to facilitate trillions of dollars in transactions with unparalleled reliability and security. With state-of-the-art anti-fraud technology, such as Advanced Authorization, Visa is the most a secure way to pay and be paid. With advanced technology, such as contactless and mobile payments and service, Visa is helping to shapeing the future of the payments industry.

To learn more about Visa, please visit our website www.visa.com