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MasterCard Worldwide hereby authorizes you to copy documents published by MasterCard Worldwide on the World Wide Web for non-commercial use within your organization only. In consideration of this authorization, you agree that any copy of these documents which you make shall retain all copyright and other proprietary notices contained herein. Each individual document published by MasterCard Worldwide on the World Wide Web may contain other proprietary notices and copyright information relating to that individual document. Except as expressly provided above, nothing contained herein shall be construed as conferring by implication, estoppel or otherwise any license or right under a copyright, trademark or other intellectual property right of MasterCard Worldwide or any third party. Note that any product, process, or technology in this document may be the subject of other intellectual property rights reserved by MasterCard Worldwide, and may not be licensed hereunder.

This publication is provided "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

Any MasterCard Worldwide publication may include technical inaccuracies or typographical errors. Changes may be periodically made to these publications; these changes will be incorporated in new editions of these publications. MasterCard Worldwide may make improvements and/or changes in the products and/or the programs described in these publications at any time without notice.

Should any viewer, by electronic mail or otherwise, of a MasterCard Worldwide published document respond by electronic mail or otherwise with information including feedback data, such as questions, comments, suggestions, or the like regarding the content of any such MasterCard Worldwide document, such information shall be deemed to be non-confidential and MasterCard Worldwide shall have no obligation of any kind with respect to such information and shall be free to reproduce, use, disclose and distribute the information to others without limitation.

Further, MasterCard Worldwide shall free to use any ideas, concepts, know-how or techniques contained in such information for any purpose whatsoever including but not limited to developing, manufacturing and marketing products or services incorporating such information.

MasterCard Worldwide provides access to MasterCard Worldwide international data and, therefore, may contain references or cross references to MasterCard Worldwide products, programs and services that are not announced in your country. Such reference does not imply that MasterCard Worldwide in your country intends to announce such products, programs or services.

Any questions relating to any trademark of MasterCard Worldwide or its subsidiaries should be referred to the Law Department of MasterCard Worldwide at the following address:

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