Freestar Technologies, Inc. announced that
it has allied with SSP Solutions, headquartered in Irvine, CA,
to offer what is believed to be the first fully secure Internet ATM
transaction solution available in Latin and North America. The partners plan
to bring secure ATM and debit transactions to the Internet via a bundled
package that includes software and a secure card reader. Using the technology
bundle “PaySafeNow,” consumers will have the ability to use debit cards to
execute cash transactions for online shopping in the same way as traditional
credit cards.

The solution bundles Freestar’s ETSS software with a secure card reader
that connects the consumer’s PC to the financial institution holding the
consumer’s banked funds. The reader is compatible with both magnetic-stripe
and smart-card technologies, and utilizes a secure numeric keypad to enter
PINs and passwords. This system creates two-factor authentication, which is
required for ATM/debit transactions.

Under the partnership, Freestar will license and sell SSP Solutions’
products throughout Latin America and in other strategic European countries
where the Company has established a customer base. SSP, which provides
solutions and services that enable secure, real-time movement of valued
digital content for consumer and enterprise applications, will market and sell
Freestar’s ETSS software first in North America and then in other parts of the

“This is a true partnership and a great opportunity for both companies,”
said Paul Egan, CEO of Freestar Technologies, Inc. “It gives Freestar entry
into North America with a revolutionary product, and we will leverage SSP’s
security experience to develop reader devices and other hardware products. In
return, SSP gains market entry into Latin America; one of fastest growing
online markets today.”

“Merchants are anxious to leverage ATM and debit card business
opportunities — expanding their customer base and reducing repudiation and
fraud associated with traditional credit card transactions,” said Rob Gorman,
managing director of strategic affairs for SSP Solutions, Inc. “We’re moving
quickly to support this initiative and deliver a powerful product specifically
designed to secure ATM and debit customer segments for online shopping.”
The ETSS software is currently undergoing final tests in a pilot program
with Freestar’s financial partner Banco Nacional de Credito, and will go live
this week via the Internet portal Initially, the program will be
rolled out to 2,000 consumers in the Dominican Republic, with larger
deployment scheduled for the spring of 2002.

About SSP Solutions, Inc.

SSP Solutions, Inc. develops and distributes the SSP(TM) Solution Suite of
hardware, software, and embedded security products designed as the Trusted
Symbol of the Digital Economy(TM). SSP products embed security and trust
throughout the transaction chain protecting electronic communications and
financial transactions, network access, and the exchange of copyrighted
digital content. By combining our own technology with a range of partners’
technologies and intellectual properties, SSP products represent the first,
open embedded security architecture simultaneously supporting public key
infrastructure (PKI) and multiple standards of digital rights management.
SSP’s custom-made enterprise security solutions address digital rights
management, financial services, government, entertainment, healthcare, and
education — and form the heart of a ten-year alliance with Electronic Data
Systems, the nation’s largest systems integrator and a global leader in
information assurance. For additional company information, visit
or call (949) 851-1085.

About Freestar Technologies, Inc.

Freestar Technologies, Inc.’s Enhanced Transactional Secure Software
(“ETSS”), a proprietary software package that enables consumers to consummate
secure e-commerce transactions over the Internet using credit, debit, ATM
(with PIN) or smart cards. The ETSS system integrates a consumer-side
card-swipe terminal with a back-end host-processing center. It encrypts
sensitive financial data at the consumer’s personal computer, using powerful
DES encryption and algorithms. It sends an authorization number to the e-
commerce merchant, rather than the consumer’s credit card information, to
provide a maximum level of security. The Company plans to link several large,
established smart card systems together on an ETSS-based standard to achieve
economies of scale and further market penetration for this secure e-commerce
payment system. For more information visit the Web site of the Company’s
ePayLatina Division at .


New Gelco Client

Gelco Information Network, the largest and most experienced provider of e-business expense management and reimbursement programs, announced MGI PHARMA, Inc. has selected ExpenseLink/Direct a hosted web-based solution for automation of its travel and entertainment expense management and employee payment request processes for employees across U.S. operations. MGI PHARMA, Inc. is an oncology-focused pharmaceutical company. “We are pleased to add MGI PHARMA to our prestigious list of pharmaceutical clients. Gelco has helped more than two-thirds of the largest pharmaceutical companies become smarter about how they manage their travel expenditures,” said Michelle Cooper, Gelco’s vice president of marketing. “Progressive companies such as MGI PHARMA in its high growth mode require an automated solution that makes expense management fast, easy and efficient. MGI PHARMA will benefit from our payment services that allow for direct reimbursement of travelers and card providers and which will deliver cash management efficiencies for the organization and direct benefits for their travelers.” “With the recent rapid growth of our company, particularly our traveling sales force, it’s important for us to have an efficient integration of travel expense management, accounting functions and support under the same system,” said Dann Krueger, controller for MGI PHARMA. “An important factor was the automation of expense reimbursement and corporate card reconciliation. Our corporate card payments are paid directly by Gelco which provides us with a tremendous cash flow advantage, as well as increased efficiencies for our travelers.”

ExpenseLink/ Direct(R) allows automation of the entire expense management process from anywhere in the world, providing expense reporting, auditing and reimbursement, data analysis and paperless record keeping. Available anytime, anywhere, Gelco’s ExpenseLink/ Direct(R) users simply create expense reports online, submitting them securely via the Internet. ExpenseLink/ Direct(R) users gain access through an Internet connection to enter travel expenses. Once completed, expenses are reimbursed within 3 business days via direct deposit to employee bank accounts. Corporate charge cards are paid directly according to their company’s payment schedule. Configurable client and server side business rules and automated workflow ensure maximum levels of control and accurate accounting.


MGI PHARMA, INC. is an oncology-focused pharmaceutical company that acquires, develops and commercializes proprietary products that address unmet cancer patient needs. MGI is building a balanced product portfolio of proprietary pharmaceuticals, and intends to become a leader in oncology. The company focuses its sales efforts in the United States and collaborates with other pharmaceutical or biotechnology companies for its products in international markets. For more information about MGI, please visit the company’s web site at [][1].

About Gelco

Minneapolis based Gelco Information Network is a wholly owned subsidiary of HG Holdings, a multinational interest specializing in e-business products and services for mobile employees. Gelco has been providing travel expense management software and services for more than 35 years. As a whole, the company processed approximately $11 billion in reimbursements in 2000. The Expense Management Group serves over 1.9 million users in over 1,200 corporations and federal agencies, including Ericsson, The Toro Company, American Home Products, Reebok International, Ltd., and the United States Government (including Department of Defense, State Department and NASA). Leveraging an e-business infrastructure through technology from Sun Microsystems, Cisco, Oracle, EMC and Microsoft, Gelco is the only company that provides its customers with complete expense and trade fund management solutions. Additionally, through its partnerships and private-label relationships, Gelco provides this e-business technology and infrastructure to application service providers and other providers of travel management services. Visit the Gelco web site at [][2].




Fundtech Ltd., a leading provider of e-payments and Internet banking
solutions, announced that Zurcher Kantonalbank (ZKB) a leading Swiss
bank, will be implementing Fundtech’s PAYplus CLS(TM) (Continuous Linked
Settlement), an integrated solution that allows CLS(TM) settlement member
banks to eliminate foreign exchange settlement risk, streamline operations
and gain new market share from CLS user members and third parties.
“This PAYplus CLS implementation builds on our long-term
relationship with ZKB, as they are currently using our IGT Interbank Gateway
for Swiss Franc Clearing and our middleware for messaging. We are pleased
that they have chosen to build on our long-standing relationship by
selecting PAYplus CLS,” said Reuven Ben-Menachem, Chairman and Chief
Executive Officer, Fundtech.

“Fundtech possessed many positive attributes that lead to this sale,
including their CLS business expertise, the ease of integration with our
existing systems, and the power and flexibility of their solution.” said
Christian Michel, CLS-Coordinator of ZKB.

About ZKB

Zurcher Kantonalbank (ZKB) is an acknowledged leader in the Zurich
region with national stature and excellent international connections. With a
balance sheet total of CHF 77.5 billion ZKB is Switzerland’s largest
Cantonal Bank and the third-largest Swiss bank in terms of balance sheet
total. Moreover, ZKB counts among the country’s largest portfolio managers
with client portfolios totaling CHF 74.5 billion. The bank has been a broker
in the Zurich stock exchange since 1912, on the ring until 1996 and since
then in the SWX Swiss Exchange. As an independent public-law institution in
the canton of Zurich, ZKB enjoys the privilege of a state guarantee. Its
bonds and medium-term notes are of prime investment quality and have been
assigned a AAA rating by the renowned rating agency Standard & Poor’s.

About Fundtech

Fundtech ( is a leading provider of software
solutions and services that facilitate e-payments and e-banking by enabling
businesses and their banks to electronically manage cash, process payments
and transfer funds. The Company’s client-server and Internet software
products automate the process of transferring funds among corporations,
banks and clearance systems and enable businesses to manage global cash
positions efficiently and in real-time. Its solutions have been sold to more
than 700 financial institutions around the globe.



SeeBeyond, the leading global provider of eBI solutions, announced that Korea First Bank has selected its industry-leading eBusiness Integration platform to serve as the foundation for the launch of the bank’s next-generation technology infrastructure. As an early adopter of enterprise application integration (eAI) technology in the Asian financial services sector, Korea First Bank will leverage the SeeBeyond e*Gate Integrator platform to connect its internal legacy systems with numerous systems and applications throughout its more than three hundred branch offices worldwide.

Due to a corporate restructuring prompted by its recent acquisition by Newbridge Capital, Korea First Bank needed a flexible, robust and complete solution to integrate the entire spectrum of its operations. Korea First Bank has selected and is deploying the e*Gate platform to connect new financial terminals with its existing I/T infrastructure to support branch business and enhance the selling of banking products.

“Unlike other banks that have taken the approach of replacing an entire information infrastructure, Korea First Bank has decided on a best-of-breed strategy that enables it to better serve its customers,” said Jay Hyun, Executive Vice President and CIO for Korea First Bank, which was established in 1929 and employs more than 4,500 people worldwide. “After an extensive technological evaluation, we selected SeeBeyond to ensure that we maximize our previous I/T investments by connecting our legacy environment with our new integrated financial terminals.”

By standardizing its operations on the SeeBeyond e*Gate platform, Korea First Bank will be able to link its online transaction processing (OLTP) system, data warehouses and CRM applications with the new financial terminals, enabling the organization to manage its operations through a single point. Korea First Bank, with the assistance of EDS and SeeBeyond, began full-scale system development earlier this year, and has already begun reaping the benefits of the SeeBeyond e*Gate platform.

“SeeBeyond continues to build relationships and expand its reach across vertical industries, such as manufacturing and financial services, within the region,” said Mari Hiromoto, Vice President of Japan and Korea for SeeBeyond. “Korea First Bank is a forward-thinking enterprise that recognized early on the value of a completely integrated, real-time infrastructure. The SeeBeyond e*Gate platform was the obvious choice as it will enable the bank to improve its overall operational efficiency by allowing it to manage business processes in real-time.”

About SeeBeyond

As the leading global provider of eBI(TM) solutions, SeeBeyond (Nasdaq:SBYN) enables the seamless flow of information within and among enterprises in real time. The SeeBeyond eBI Suite offers a rapidly deployable and infinitely scalable infrastructure for seamless application integration, dynamic business-to-business connectivity and robust business processes optimization. SeeBeyond has more than 1,520 customers worldwide, including ABB, ABN Amro, Barnes &, Bausch & Lomb, BHP, DuPont, Florida Power & Light, Fluor Daniel, General Motors, Hewlett-Packard, Pfizer and Sprint.

SeeBeyond has global headquarters in Monrovia, Calif. and sales and marketing headquarters in Redwood Shores, Calif. Asia Pacific headquarters are located in Sydney, Australia, with SeeBeyond Technology Corporation Japan K.K. operating as its Japanese business entity. For more information, please visit or



National Processing Company
, a leading provider of merchant credit card processing and a wholly
owned subsidiary of National Processing, Inc., announced the
completion of a direct link to the ATH Network in Puerto Rico, owned and
operated by GM Group, Inc. a subsidiary of Popular, Inc. This direct link
adds another option for NPC merchants to accept the ATH on-line debit card and
Electronic Benefits Transfer (EBT) transactions at the point-of-sale (POS) in
the most cost-effective and reliable manner.

NPC’s full array of software management, authorization and settlement
services allow merchants to take advantage of two of the fastest growing and
most cost-effective payment types at the POS — on-line debit and EBT. NPC’s
debit product features: single sponsorship into the respective networks,
single-point-of-settlement for all transactions, least cost routing of each
transaction, key encryption management, exception processing, and
comprehensive reporting. NPC’s EBT product features: diverse communications
options, single-point-of-settlement for all transactions, comprehensive
reporting, a variety of POS terminal options plus availability of all 41 EBT
state programs.

“We have one of the best on-line debit and EBT products in the industry
and will continue to build direct connections to the various networks,” said
Mark D. Pyke, executive vice president of Merchant Services for NPC. “The
direct connection to ATH provides our merchants with one of the most cost-
effective ways to process these transactions. Consumers in Puerto Rico use
their ATH on-line debit and EBT cards more often than any other form of

“Partnering with NPC through this direct link allows our consumers
increased access to major retailers in the acceptance of ATH debit and EBT
cards,” said Jorge Hernandez, senior vice president of the ATH Network for GM
Group. “NPC has demonstrated a full understanding of the technical and
security requirements surrounding on-line debit and EBT card processing.
Their leadership and reputation is second to none in the merchant processing

About GM Group, Inc.

GM Group, Inc. is the most diversified and complete Information Technology
(IT) services provider in the Caribbean Basin. Founded in 1970, GM Group is
home to more than 700 IT professionals based at its headquarters in San Juan,
Puerto Rico, and offices in Venezuela, Dominican Republic, Costa Rica, and
Miami, Florida. Its services portfolio includes Processing Services; Software
Sales; Hardware Sales; Engineering and Systems Integration; Systems
Consulting; Educational Services; Processing of Visa, MasterCard, ATH, and
private label cards; complete Voice, Data, and Video Networking Solutions; and
the only Business Recovery Services center south of the United States. GM
Group also manages and processes ATH, the largest debit POS and ATM Network in
Puerto Rico, Dominican Republic, and Costa Rica that connects over 2,500 ATM’s
and 60,400 POS terminals.

Since 1999, GM Group has been a wholly owned subsidiary of Popular, Inc.
(Nasdaq: BPOP; BPOPP) ( ), the 29th largest bank holding
company in the United States with assets totaling $32.94 billion.

About National Processing, Inc.

National Processing, Inc. through its wholly owned operating subsidiary,
National Processing Company (NPC(R)) is a leading provider of merchant credit
card processing. National Processing is 86 percent owned by National City
Corporation (NYSE: NCC) ( ), a Cleveland based
$94 billion financial holding company. NPC supports over 600,000 merchant
locations, representing nearly one out of every five Visa(R) and MasterCard(R)
transactions processed nationally. NPC’s card processing solutions offer
superior levels of service and performance and assist merchants in lowering
their total cost of card acceptance through our world-class people, technology
and service. Additional information regarding National Processing can be
obtained at .


EFSC Gets Vaughn

The Electronic Financial Services Council announced that Eric Vaughn has been appointed as the organization’s executive director. The EFSC is a national trade association representing many of the country’s leading financial services and technology companies.

“We are extremely fortunate to have Eric Vaughn join the EFSC as our executive director,” said Steve Morrison, chairman of the EFSC and senior vice president of government and industry relations at Wells Fargo Home Mortgage.

“Eric brings a wealth of lobbying expertise at the national level as well as trade association management and leadership ability to the EFSC at this important time,” said Morrison. “With Eric on board, we will enhance the EFSC’s focus on modernizing federal laws and regulations affecting the delivery of financial services to consumers. These laws are critical regarding the use of the Internet as a distribution channel for financial services.”

Over the past 18 years, Vaughn has served as an analyst in the Federal Office of Management and Budget, domestic policy advisor in the White House, legislative assistant in the U.S. Senate and as the president of a national alternative energy trade association.

“The EFSC is proud to welcome Eric to the organization,” said Jeremiah S. Buckley, general counsel of the EFSC and partner at Goodwin Procter LLP. “Eric’s tremendous experience and enthusiasm will enable the EFSC to further influence important legislation that positively impacts the electronic delivery of financial services.”

About EFSC

The Electronic Financial Services Council was established in 1999 to promote legislation and regulation designed to enhance the availability and delivery of financial services such as mortgage loans, insurance products, investment products, consumer loans and on-line banking. The EFSC played a leading role in securing passage of last year’s Electronic Signatures in Global and National Commerce Act by the U.S. Congress.

EFSC represents the following financial services and technology organizations: Intuit Inc., Wells Fargo, Countrywide Home Loans, GE Capital Mortgage, Microsoft Corporation, Cendant Mortgage, Chase Manhattan Mortgage, Citigroup Mortgage Inc., Fannie Mae, Freddie Mac, GMAC Mortgage Corporation, Lender Services, Inc., Lending Tree, The Principal Financial Group, United Guaranty Insurance, and Esurance, among others.



Terra Lycos, the global Internet network,
and Visa International, Latin America and Caribbean Region, the leading global
payments service, entered into a major multi-faceted alliance to bring Latin
American and Caribbean consumers and businesses the best Internet experience
by providing security, trust and convenience.

The agreement leverages the companies’ well-recognized brands and
extensive global networks to promote the ease and benefits of making secure
on-line purchases. It capitalizes on Terra Lycos extensive reach —
70 percent of the Latin American Internet audience — and Visa’s ubiquitous
on-line acceptance, currently accounting for 93 percent of e-merchants and
55 percent, or US$198 million, of the overall volume of on-line credit card
purchases, as reported in the 2000 Boston Consulting Group study, Online
Retailing in Latin America: Beyond the Storefront.

Terra Lycos will integrate Visa’s e-commerce Secure Transaction Platform
through payment authentication for enhanced consumer protection while shopping
on-line. This Platform assures e-merchants that sales of goods and services
made through Terra will be valid, as the cardholder’s issuer will have
validated and approved the transaction.

This partnership moves beyond traditional online advertising-based
alliances by providing a Secure Transaction Platform, comprehensive marketing
program, consumer awareness and a wide range of benefits for Visa cardholders
and Terra users.


Diebold Nabs Krakora

Diebold, Incorporated announced that Kevin J. Krakora has been named vice president and corporate controller. Krakora will play an integral role in developing e- tools for streamlining the company’s financial processes. He will work to implement high-tech financial systems to improve productivity and speed the flow of information within the organization and between Diebold and its customers. He reports directly to Gregory T. Geswein, the company’s senior vice president and chief financial officer.

Prior to joining Diebold, Krakora was senior vice president and chief financial officer at TelTek, Inc. in Atlanta, a privately held company that produces electrical power distribution products and public telephone enclosures. Other previous experience includes vice president, controller with Alumax Inc., a public international manufacturer of aluminum products in Atlanta; vice president and controller of the customer service and support division at Emerson Electric Company in Columbus, Ohio; and various positions at Price Waterhouse in Cleveland. He received a master’s degree in business administration from Case Western Reserve University in Cleveland, and a bachelor’s degree from Columbia College in New York. Krakora will be relocating to the Canton area from Atlanta.

Diebold, Incorporated is a global leader in providing integrated self- service delivery systems and services. Diebold employs more than 11,000 associates with representation in more than 80 countries worldwide and headquarters in Canton, Ohio, USA. Diebold reported revenue of $1.7 billion in 2000 and is publicly traded on the New York Stock Exchange under the symbol ‘DBD.’ For more information, visit the company’s Web site at .



Euronet Worldwide, Inc., a leading provider of secure electronic
financial transaction solutions, announced a multiyear POS (point-of-sale)
outsourcing agreement with Raiffeisenbank Austria d.d., which was voted the
best bank in Croatia in year 2000 by the Croatian Chamber of Commerce.
Raiffeisenbank will combine Euronet’s POS Outsourcing and Euronet
Integrated Merchant Management software to enhance their corporate banking
program. After a successful implementation of debit and credit card
services for consumers, the Bank is expanding into card services for
corporate clients, such as merchants and retailers. These new services are
incremental and will leverage the Euronet systems already installed at the
Bank, including Euronet Integrated Transaction Management middleware.
Leveraging these applications, significantly reduces the time and costs
associated with implementing a comprehensive POS outsourcing program.
“This outsourcing project is enabling Raiffeisenbank to meet the
needs of our corporate clients and the ever increasing card market,” said
Zdenko Adrovic, Raiffeisenbank President of the Management Board. “Based on
our experiences with Euronet, I am confident that this project will be
quickly and smoothly integrated with our ATM and Visa/Europay outsourcing

Euronet has provided ATM outsourcing for Raiffeisenbank since 1998
and currently operates 80 ATMs at Bank’s 16 branches and off-site locations
across Croatia.

“Raiffeisenbank is a great partner that understands the benefit of
outsourcing to us so they can focus on their core business of banking,”
said Michael Brown, Chairman and CEO of Euronet Worldwide. “Raiffeisenbank
is positioned now to take advantage of some of our value-added POS
outsourcing options, such as POS Recharge for increasing prepaid mobile
phone minutes from a POS device. POS Recharge is beneficial to the
financial institution, the retailer, the mobile phone operator and
ultimately the customer.”

Euronet’s outsourcing offers solutions for multiple touchpoints such
as ATMs, POS devices, mobile phones and the Internet. Programs include
debit and credit card processing, prepaid mobile phone recharge services,
electronic bill presentment and payment and web-enabled ATM applications.
“Analysts have forecasted that European financial institutions will
spend $91 billion on outsourcing in the next two years,” said Brown, “and
Euronet is uniquely positioned to address the comprehensive outsourcing
needs of our clients. We have the experience, the technology, the
personnel, the drive and the integrity to offer unparalleled advantages to
our clients.”

About Euronet Worldwide

Euronet Worldwide is an industry leader in providing secure
electronic financial transaction solutions. The company offers financial
payment middleware, financial network gateways, outsourcing and consulting
services to financial institutions and mobile operators. These solutions
enable their customers to access personal financial information and perform
secure financial transactions — any time, any place. The company has
processing centers located in the United States, Europe and Asia, and owns
and operates the largest independent ATM network in Europe. Euronet was
recently ranked number two on the Deloitte & Touche Technical Fast 500, a
ranking of the fastest growing technology companies in North America. With
corporate headquarters in Leawood, Kansas, USA, and European headquarters
in Budapest, Hungary, Euronet serves more than 200 clients in 60 countries.
Visit our web site at

About Raiffeisenbank

Seven years of Raiffeisenbank Austria d.d. Zagreb (RBA) presence on
the Croatian market are characterised by continuous investment in
development and improvement of its service, as well as expansion of its
business network. Numerous Croatian and foreign awards — among them the
most prestigious being one from Euromoney and one from Central European for
The best foreign bank in Croatia in the last four years — provide an
additional stimulus in RBA’s efforts to expand its business activities by
introducing new services; especially now after receiving the “Zlatna kuna
Award” of the Croatian Chamber of Commerce for the best bank in Croatia in
2000. Raiffeisenbank Austria d.d is a member of the RZB Group, winner of
The Banker’s “Bank of the Year 2001,” with long-term business strategy in
Central and Eastern Europe. For more information, visit our web site at


Household Expands Board

Household International , the $101 billion (managed assets) consumer lender, announced that Larree Renda has been appointed to the company’s board of directors. Her appointment expands Household’s board to 16 members.

Ms. Renda, 43, is an executive vice president of Safeway Inc., one of the largest food and drug chains in North America. Safeway is based in Pleasanton, Calif., and operates more than 1,750 Safeway stores across the U.S. and Canada. As an executive vice president of Safeway, Ms. Renda’s responsibilities include retail operations, labor relations, human resources, public affairs, government relations, corporate communications, reengineering, and the company’s acquisition transition function.

“With Larree’s extensive management experience, we welcome her counsel and advice as our newest board member,” said William F. Aldinger, chairman and CEO, Household International. “We are delighted to have an executive of her caliber join our company’s leadership team.”

Ms. Renda also brings considerable acquisition and integration experience. She played a key role in Safeway’s acquisition of five grocery chains over the past five years. She is also credited, along with Safeway CEO Steve Burd, for creating and executing a customer service culture at the company that is widely regarded as the gold standard in the retail grocery industry. Ms. Renda has been with Safeway for 27 years.

Ms. Renda also sits on the board of directors of Casa Ley, SA., which operates food and general merchandise stores in western Mexico. Safeway holds a 49 percent interest in Casa Ley. She is also a trustee and member of the Joint Labor Management Committee of the retail food industry.

About Household

Household’s businesses are leading providers of consumer loan, credit card, auto finance and credit insurance products in the United States, United Kingdom and Canada. In the United States, Household’s largest business, founded in 1878, operates under the two oldest and most widely recognized names in consumer finance-HFC and Beneficial. Household is also one of the nation’s largest issuers of private-label and general purpose credit cards, including the GM Card and the AFL-CIO’s Union Plus card. For more information, visit the company’s web site at .