Visa is jointly owned by 21,000 member financial institutions around the globe, Visa is a private, for profit association. The reach and popularity of Visa-branded cards is almost universal there are more than one billion cards, with unsurpassed acceptance in more than 150 countries. In 2003, nearly three trillion (USD) in goods and services were purchased using Visa products.

The following cards are offered by VISA:

Visa Classic: The Visa Classic credit card is an ideal first card because of its simplicity, flexibility, and worldwide recognition. Whether you're a student, a young couple, or someone trying to establish credit, for the convenience of owning a Visa card. Also, VISA offers several varieties of Student VISA Cards. Card Benefits include: Auto Rental Collision Damage Waiver - Personal; Cardholder Inquiry Service; Emergency Cash Disbursement & Card Replacement; Lost/Stolen Card Reporting; Zero Liability.

Visa Secured: Whether you're starting out or starting over, the Visa Secured card is a great way to build your credit history. Ideal for students, young couples or those re-establishing credit. Card Benefits include: Auto Rental Collision Damage Waiver - Personal; Cardholder Inquiry Service; Emergency Cash Disbursement & Card Replacement; Lost/Stolen Card Reporting; Zero Liability.

Visa Gold: Step up to Visa Gold — the gold standard for excellent service and acceptance everywhere Visa credit cards are welcome. Whether you're a new customer with a strong credit history or an established Visa Classic cardholder, to enjoy the increased purchasing power of Visa Gold. Card Benefits include: Auto Rental Collision Damage Waiver - Personal; Cardholder Inquiry Service; Emergency Cash Disbursement & Card Replacement; Lost/Stolen Card Reporting; Zero Liability.

Visa Platinum: You've achieved success by demanding more out of life. Why not carry Visa Platinum, the card that meets your demands by providing outstanding service, exceptional purchasing power, and the recognition you deserve? and enjoy the prestige of a card that offers you more. Card Benefits include: Auto Rental Collision Damage Waiver - Personal; Cardholder Inquiry Service; Emergency Cash Disbursement & Card; Replacement; Lost/Stolen Card Reporting; Zero Liability.

Visa Signature: This is the card you've been waiting for—no preset spending limits, flexible payment schedules, extraordinary service and an array of benefits that will exceed your highest expectations. Visa Signature is for those who want freedom to travel, to explore and to spend without limitations, and enjoy the power and prestige of this premium card.

Visa Signature offers access to superior benefits, from guaranteed airport parking to concierge services to lost luggage insurance. Experience the benefits of a life without limits. Visa Signature benefits include the following: Airport Parking Guarantee; Auto Rental Collision Damage Waiver - Personal; Cardholder Inquiry Service; Emergency Cash Disbursement & Card Replacement; Lost Luggage Reimbursement; Lost/Stolen Card Reporting; Purchase Security; Rewards Program; Roadside Dispatch; Travel Accident Insurance; Travel & Emergency Assistance Services - Personal; Visa Concierge Service; Visa Dining Privileges; Visa Signature Premium Offers; Warranty Manager Service; Year-End Summary Statement; Zero Liability.

Reward Cards: Collect frequent flyer miles. Earn hotel points. Show your school spirit, or support your favorite charity. Whatever your interests, and whatever your affinity program, Visa has a reward card for you.

Get the card that's convenient, reliable, and safe—and make it your own. Use your Visa card and earn points towards your chosen affiliation. To learn about specific benefits included with your Visa card, please call your issuing financial institution.

Smart Visa Card: You're looking at the future. The smart Visa card has a built-in advantage, a computer chip that stores more than 100 times the information contained on a regular Visa card. Soon you'll be able to combine all your store and discount cards in one place and still enjoy the benefits you expect from Visa, offering unsurpassed acceptance at millions of merchant locations worldwide and on the Internet. Whether you're standing in line or surfing online, the smart Visa card is the smarter way to shop.

Please call your issuing bank directly to verify the specific benefits included with your Visa card. Benefits may include: Wallet Consolidation; Security; Online Account Access.