Revised September 2007.

Visa Inc. ("Visa") maintains www.visa.com and its related sites (collectively the "Visa site") for your personal information, entertainment, and enjoyment. Please feel free to browse, download from, talk back to, and otherwise use the site. At the same time, please remember that your access to the Visa site is subject to the following rules (the "Rules") as well as all applicable laws. By accessing and using the Visa site, you accept and agree to the Rules without limitation or qualification, and acknowledge that any other agreements you may have with Visa are superseded by the Rules, to the extent any conflict exists.

Visa may at any time revise these Rules by updating this posting. You are bound by such revisions and should therefore visit this page to review the current Rules from time to time.

Visa reserves the right, without notice and for any reason, to remove any content on this site, and to deny access of any user or users to all or any part of this site.

Unless otherwise specifically indicated, you may download material displayed on the Visa site for personal, non-commercial use only and you may not distribute, modify, transmit, use, or reuse any of the contents of the Visa site for any public or commercial purpose without the written consent of Visa or any third party Visa deems necessary. You must retain all copyright and other proprietary notices on downloaded and/or copied material. Any copy of material from the Visa site you make and distribute for any purpose must also include these Rules. You may not access or use the Visa site in any way that could or is intended to damage or impair the Visa site, or any server or network underlying the Visa site, or interfere with anyone else's use and enjoyment of the Visa site.

You should assume that everything on the Visa site is copyrighted unless otherwise noted and that it must not be used except as provided in the Rules or with the express written consent of Visa or any third party Visa deems necessary. VISA NEITHER WARRANTS OR REPRESENTS THAT YOUR USE OF THE MATERIAL DISPLAYED ON THE VISA SITE WILL NOT INFRINGE RIGHTS OF THIRD PARTIES. Any product, service, program, or technology described on the Visa site may be the subject of other intellectual property rights (including but not limited to copyright, trademark, or patent rights) owned by Visa. Any such right that is not expressly licensed herein is reserved by Visa.

Images of people or places displayed on the Visa site are either the property of, or used with permission by, Visa. Use of these images by you or other third parties is prohibited unless expressly permitted in the Rules or elsewhere on the Visa site. Any unauthorized use of these images may violate copyright laws, trademark laws, the laws of privacy and publicity, and other applicable regulations and statutes.

Any product, service, program or technology described in any document published by Visa on this site may be the subject of other intellectual property rights owned by Visa. Any such right that is not expressly licensed hereunder is reserved by Visa.

The trademarks, logos, and service marks (collectively the "Trademarks") displayed on the Visa site are registered and unregistered Trademarks of Visa and others. VISA®, the Three Bands Design Mark®, 3-D SECURE®, CLASSIC®, the Comet Design Mark®, the Dove Design Mark®, ELECTRON®, INTERLINK®, the Network Design Mark®, PLUS®, the PLUS Design Mark®, TRAVELMONEY®, VERIFIED BY VISA®, VISA BUXX®, VISA PLATINUM®, VISA SIGNATURE®, VISANET® and It's Everywhere You Want To Be® are registered Trademarks of Visa in the United States and other countries (trademark denotations on the Visa site indicate federal registrations in the United States). Nothing contained on the Visa site should be construed as granting by implication, estoppel, or otherwise, any license or right to use any Trademark displayed on the Visa site without the written permission of Visa or such third party that may own the Trademark. Misuse of any Trademarks, or any other content, displayed on the Visa site is prohibited. Visa aggressively enforces its intellectual property rights, including via civil and criminal proceedings.

Apart from your personal information (which is addressed in the Privacy Policy), any communication or material you send to the Visa site, electronically or otherwise, including but not limited to data, questions, comments, suggestions, or submissions is and will be treated as non-confidential and non-proprietary. Anything you send to the Visa site may be used by Visa for any purpose including but not limited to modification, reproduction, transmission, disclosure, publication, broadcast, and posting. By submitting material to Visa.com, you irrevocably transfer and assign to Visa, and forever waive and agree never to assert, any copyrights, "moral" rights, rights of publicity or to privacy, or other intellectual-property or proprietary rights that you may have in such material. Visa is free to use, without obligation of any kind, any ideas, concepts, techniques, or know-how contained in any communication you send to the Visa site for any purpose whatsoever, including but not limited to developing, manufacturing, and marketing products and services.

By using this site, you may submit, or Visa may gather, certain limited information about you and your usage of the site. Subject to the terms of the Privacy Policy, Visa is free to use such information for any purpose it deems appropriate.

TO THE MAXIMUM EXTENT PERMISSIBLE BY APPLICABLE LAW, VISA DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. THERE IS NO WARRANTY THAT ANY INFORMATION OR SERVICE PROVIDED OR REFERENCED BY THIS SITE IS EITHER ACCURATE, THAT SUCH INFORMATION OR SERVICE WILL FULFILL ANY OF YOUR PARTICULAR PURPOSES OR NEEDS, OR THAT SUCH INFORMATION OR SERVICE DOES NOT INFRINGE ON ANY THIRD PARTY RIGHTS. EXCEPT FOR ANY EXPRESS WARRANTIES STATED ON THIS SITE, IF ANY, THE INFORMATION AND SERVICES PROVIDED OR REFERENCED ON THIS SITE ARE PROVIDED "AS IS," "AS AVAILABLE," AND WITH ALL FAULTS, AND THE ENTIRE RISK AS TO SATISFACTORY QUALITY, PERFORMANCE, ACCURACY AND EFFORT IS WITH THE USER.

SO WHILE VISA MAY USE REASONABLE EFFORTS TO INCLUDE ACCURATE AND UP-TO-DATE INFORMATION ON THE VISA SITE, VISA MAKES NO WARRANTIES OR REPRESENTATIONS AS TO ITS ACCURACY, TIMELINESS, OR COMPLETENESS. VISA MAY PERIODICALLY ADD, CHANGE, OR IMPROVE ANY OF THE INFORMATION, PRODUCTS, SERVICES, PROGRAMS, AND TECHNOLOGY DESCRIBED ON THE VISA SITE WITHOUT NOTICE. VISA ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ANY ERRORS OR OMISSIONS IN THE CONTENT OF THE VISA SITE.

IN FACT, YOUR USE OF THE VISA SITE IS AT YOUR OWN RISK. TO THE MAXIMUM EXTENT ALLOWED BY LAW, NEITHER VISA NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THE VISA SITE IS LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, HOWEVER CAUSED, ARISING OUT OF YOUR ACCESS TO, USE OF, OR RELIANCE ON THE VISA SITE, EVEN IF VISA HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. FOR EXAMPLE, VISA ASSUMES NO RESPONSIBILITY FOR, AND WILL NOT BE LIABLE FOR ANY DAMAGES TO OR ANY VIRUSES WHICH MAY AFFECT YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY ON ACCOUNT OF YOUR ACCESS TO, USE OF, OR DOWNLOADING FROM, THE VISA SITE. PLEASE NOTE THAT SOME JURISDICTIONS MAY RESTRICT OR DISALLOW THE EXCLUSION OF IMPLIED WARRANTIES OR LIMITATIONS OF LIABILITY, SO SOME OF THE ABOVE EXCLUSIONS AND LIMITATIONS MAY NOT APPLY TO YOU.

Your use of the Visa site, or certain features or information provided through the Visa site, may be subject to additional agreements apart from the Rules.

Visa has not reviewed all of the sites which are linked to or from the Visa site, and the fact of such links does not indicate any approval or endorsement of any material contained on any linked site. Visa is not responsible for the contents of any site linked to or from the Visa site; and your connection to any such linked site is at your own risk.

Most of the information on the Visa site applies internationally, but a significant amount of information applies only to certain countries or regions. Although Visa tries to mark all country- and region-specific information with a country indication, it does not warrant or represent that all information without indication applies internationally. You should check the applicability of any information on this site to you or your organization.

The Rules will be governed by and construed under the laws of the State of California, excluding only its conflict of law provisions. Each party to the Visa site Rules hereby submits to the exclusive jurisdiction of the courts within the State of California, and waives any jurisdictional, venue, or inconvenient forum objections to such courts.

Any failure by Visa to enforce any of its rights under the Rules or applicable laws shall not constitute a waiver of such right. If any provision of the Rules is found by a court of competent jurisdiction to be invalid, you, Visa, and the court shall endeavor to give effect to the intent reflected in that provision, and the remaining Rules provisions shall retain their full force and effect.

You agree to follow any applicable laws in your use of the Visa site. Among other things, United States and foreign export control laws regulate the export and re-export of technology originating in the United States and such foreign countries. You will abide by these laws and regulations as applicable and will not transfer, directly or indirectly, by electronic transmission or otherwise, any content or software from the Visa site to or from any countries or foreign nationals in violation of such laws or regulations.

Please note that Visa.com is operated by Visa Inc. and not the various financial institutions that issue Visa cards. None of the terms of any agreement between a Visa cardholder and the financial institution that issued his/her card has any effect on or relation to these Site Rules.

Please also read over the Visa site Privacy Policy, which are part of the Rules and which you accept. If you have any questions, comments, or complaints about Visa.com, please feel free to email us at: [email protected] or send a letter via US Mail to:

Attention: Visa.com/M3-3D

Visa Inc.

P.O. Box 8999

San Francisco, CA 94128-8999