Associations and Societies

American Bankers Association Associated Credit Bureaus Inc. Bank Administration Institute Bank Marketing Association Canadian Bankers Association Canadian Payments Association Electronic Funds Transfer Association Electronic Transactions Association IBAA Bancard Inc. International Credit Association International Card Manufacturers Association

MasterCard International Online Banking Association SAF Financial Services Smart Card Industry Association SEBA/Southeast Bankcard Association Smart Card Forum Smart Card Industry Association Treasury Management Association Visa Canada Visa U.S.A.

CREDIT CARD ISSUERS

The Chase Manhattan Corp. First Technology FCU Anheuser-Busch Employees Credit Union AEA Credit Union AFBA Industrial Bank Arkansas Federal Credit Union Amcore Financial Inc. America First Credit Union American Express Centurion Bank American Pacific Bank Aberdeen Proving Ground FCU AT&T Universal Card Services Corp. BanPonce Corp. BancorpSouth Bank of America Banc One Corporation  www.firstusa.com Orchard Federal Savings Bank Barnett Card Services Corp. BayBanks Credit Corp. Branch Banking and Trust Company Baxter Credit Union Boeing Employees Credit Union Bellco First Federal Credit Union Beneficial National Bank USA Franklin Bank Bethpage Federal Credit Union BankBoston Capital One Financial Corp. Commerce Bancshares Citizens Equity Federal Credit Union Centura Bank Chartway Federal Credit Union Citicorp The Chase Manhattan Corp. CNB Bancshares Inc. Comerica Inc. Community Credit Union Compass Bancshares Wright Patman Congressional FCU CoreStates Financial Corp. Crestar Bank Colorado State Employees Credit Union Digital Employees Federal Credit Union Discover Card Desert Schools Federal Credit Union Dearborn Federal Credit Union Dallas Teachers Credit Union Educational Employees CU (Mo.) Educational Employees CU (Calif.) FCFT Inc. First Community Bancshares First Consumers National Bank First Chicago NBD Corp. First Interstate Bancorp Fidelity Trust Co. Fifth Third Bank First Hawaiian Inc. First Union Corp. Banc One Corp./First USA Bank First Virginia Banks Inc. Fleet Bank Delaware First of America Bank Corp. First Technology CU Founders Federal Credit Union FPL Federal Credit Union Georgia Telco Credit Union The Golden 1 Credit Union Harris Bankcorp Inc.

The Huntington National Bank Keesler Federal Credit Union Lockheed Federal Credit Union First Commerce Bancshares Members America Credit Union Marine Midland Bank MBNA America Members 1st Federal Credit Union Metropolitan National Bank Michigan Financial Corp. Marshall & Ilsley Corp. Mission Federal Credit Union Main Street Bank Group National City Corp. NationsBank Corp. NASA Federal Credit Union North Island Federal Credit Union Northwest Federal Credit Union Norwest Card Services Morgan Stanley, Dean Witter & Co. Oak Brook Bank Ohio Savings Bank Pacific Service Federal Credit Union Park National Bank Patelco Credit Union Hughes Aircraft Employees FCU Pentagon Federal Credit Union People's Bank PNC National Bank Premier America FCU Pennsylvania State Employees CU Regions Financial Corp. Rockwell Federal Credit Union Rainier Pacific Credit Union Sanwa Bank California Schools Federal Credit Union Texans Credit Union Department Federal Credit Union West Federal Credit Union State Employees CU of Maryland Inc. Sandia Laboratory Federal Credit Union Sea West Federal Credit Union Service Credit Union Service Federal Credit Union Signet Banking Corp. Simmons First National Bank Synovus Financial Corp. Security Service Federal Credit Union State Department Federal Credit Union Star One Federal Credit Union SunTrust BankCard NA The California Credit Union Technology Federal Credit Union Texins Credit Union Travis Federal Credit Union Trustmark National Bank Tyndall Federal Credit Union United Missouri Bancshares United Nations Federal Credit Union Universal 1 Credit Union USA Federal Credit Union DEFUNCT--U.S. Bancorp Virginia Credit Union Valley Credit Union Wachovia Corp. Washington State Employees Credit Union Wells Fargo Bank Zions Bancorporation

CREDIT CARD PROCESSORS

Vital Processing Services LLC Alliance Data Systems Inc. Banc One Transaction Processing Services EDS Card Processing Services U.S. Bancorp First Data Card Services Group First Data Corp./Card Services Group First Data Merchant Services GM Group

Mellon Network Services BUYPASS Corp. NOVA Corp. National City Processing Co. Paymentech Inc. VisionPlus Card Services PS Payment Systems, Inc. Total System Services Inc. Wells Fargo Bank

DEBIT CARD ISSUERS

US Airways Federal Credit Union First Technology FCU Anheuser-Busch Employees Credit Union Atlantic Bank of New York Arkansas Federal Credit Union America First Credit Union AmSouth Bancorporation Anchor Bank SSB Andrews Federal Credit Union AT&T Family Federal Credit Union BancFirst Bank of America The Bank of New York Bank of the West Banc One Corporation Barnett Banks Boeing Employees Credit Union Bellco First Federal Credit Union Beverly Bancorporation BankBoston Bank of Tokyo Mitsubishi Trust Co. Bay View Federal Bank FSB California Federal Bank California Federal Bank Canada Trust Carrollton Bank Commerce Bank and Trust The California Credit Union Citizens Equity Federal Credit Union Central Fidelity Bank Centura Bank Community First Bankshares Chartway Federal Credit Union Chase Manhattan Bank NA CIBC CNB Bancshares Inc. Canandaigua National Bank Comerica inc. Commercial Federal Bank FSB Compass Bancshares Crestar Bank Colorado State Employees Credit Union Bank Fund Staff Federal Credit Union Digital Employees Federal Credit Union Dearborn Federal Credit Union Deposit Guaranty Corp. Educational Employees Credit Union (Mo.) Educational Employees CU (Calif.) ENT Federal Credit Union ESL Federal Credit Union Evergreen Bank NA First American National Bank First Chicago NBD Corp. Susquehanna Bancshares Fidelity Trust Co. Fifth Third Bank First Citizens Bancshares First Community Credit Union First Indiana Bank FSB FirsTrust Savings Bank First Union National Bank First Virginia Banks Inc. Fleet Financial Group F&M National Corp. First of America Bank Corp. Glendale Federal Bank The Golden 1 Credit Union

Harbor Stone Credit Union Harris Bankcorp Inc. Hibernia National Bank The Huntington National Bank Keystone Financial Inc. Lafayette Bank Lockheed Federal Credit Union Long Island Savings Bank Mechanics Bank of Richmond Michigan National Bank Mission Federal Credit Union National City Corp. NationsBank Corp. First Commerce Corp. National Commerce Bancorp NASA Federal Credit Union Norwest Bank First Oak Brook Bancshares PaineWebber Resource Management Account Patelco Credit Union 1st Source Bank Hughes Aircraft Employees FCU Pentagon Federal Credit Union People's Bank of Connecticut Premier America FCU Provident Bank of Maryland Redstone Federal Credit Union Regions Financial Corp. Rockwell Federal Credit Union Ridgewood Savings Bank Republic National Bank of New York Republic National Bank of Miami The Savings Bank of Utica Space Coast Credit Union Schwab One Account Bank of Nova Scotia State Employees CU of Maryland Inc. Service Federal Credit Union Simmons First National Bank Southtrust Corp. Sovereign Bank FSB Security Service FCU Star Banc Corp. Star One Federal Credit Union Standard Federal Bank The Sumitomo Bank of California SunTrust Banks Georgia SunTrust Banks of Florida The Toronto Dominion Bank Technology Federal Credit Union Texins Credit Union Tinker Federal Credit Union Travis Federal Credit Union The Troy Savings Bank Trustmark National Bank United Nations Federal Credit Union U.S. Bancorp U.S. Bancorp US Federal Credit Union UST Corp. Visions Federal Credit Union Wachovia Corp. Wells Fargo Bank Wescom Credit Union Tompkins County Trust Co. Zions Bancorporation

PROCESSORS, TRANSACTIONS

CrediCard Financial Corp. Citibank Merchant Services Banc One Financial Card Services Corp. Computer Communications of America U.S. Bank First Data Merchant Services First Independent Computers, Inc. Fiserv EFT GM Group Honor Technologies InterCept Magic Line Inc. Mellon Network Services Midwest Payment Systems Inc.

NOVA Corporation NPC Inc. Paymentech Inc. Paypoint Electronic Payment Systems Inc. Prepay.com GE Capital Retailer Financial Services ITS Inc. SPS Payment Systems, Inc. SunTech Processing Systems, LLC Total System Services Inc. TransAlliance Interlink Wells Fargo Bank