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Please visit http://cardweb.com/.

About CardWeb.com

CardWeb.com, Inc.Æ is a leading online publisher of information pertaining to all types of payment cards, including, but not limited to, credit cards, debit cards, smart cards, prepaid cards, ATM cards, loyalty cards and phone cards. The firm uniquely serves all constituencies connected to the payment card business: consumers, institutions, merchants, acquirers, processors, manufacturers, consultants, news reporters and many others. The company is renowned for its independence, credibility and fairness. The organization is the offspring and online extension of RAM Research Group.

RAM, founded in 1986, quickly emerged among the foremost research firms focused on the payment card industry. In September, 1995, RAM launched a web site to pioneer the distribution of new and existing information services. CardFlash, the world's first daily news and advisory service for payment card executives, was among the new services launched with the web site in 1995. The web site also created a new paradigm for the delivery of RAM's consumer information services. For the first time RAM Research was able to deliver comparative information to consumers free-of-charge through the development of online advertising revenues. Due to the success of its online efforts, RAM Research began building the CardWeb.comÆ brand in early 1998. In 2000, CardWeb.com became a separate entity from RAM Research Group. RAM continues to produce some of CardWeb's institutional services under an exclusive license. CardWeb.comÆ, Inc. also has exclusive distribution agreements with other financial information web sites.

TODAY

CardWeb.comÆ currently serves in excess of 20,000 institutional clients in more than 39 countries via offices in the United States of America, United Kingdom, and Australia. The firm owns and operates over fifty related websites. The company's flagship web site, www.cardweb.com, attracts approximately one million unique visitors each month. Each year millions of consumers regularly come in contact with CardWeb.com'sÆ research via the national news media. The firm has been prominently referenced by all news media and was selected by Forbes magazine as one of the "Top 250 Financial Information Web Sites". CardWeb.comÆ continues to prepare the monthly comparative credit card tables for the national print news media including the Wall Street Journal, USA Today, The Los Angeles Times, and many others.

CORPORATE

CardWeb.com, Inc.Æ is a Maryland-based Corporation with all of its stock privately held by Robert and Anita McKinley. The McKinley's are also the founders and owners of London-based RAM Research Group Ltd. Mr. McKinley serves as the chief executive officer of CardWeb.com, Inc. and chairman of RAM Research Group Ltd. The company's headquarters are located at 10 North Jefferson Street, Suite 301, Frederick, Maryland 21701. CardWeb.comÆ, Inc.'s phone number is 301-631-9100 and the mailing address is P.O. Box 1700, Frederick, Maryland 21702.

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