San Francisco, CA - January 25, 2007 - As part of an ongoing effort to help college students understand their FICO credit scores and take control of their financial futures, Visa USA announced today the acquisition of What's My Score, a leading higher education consumer awareness program. Previously under the management of the Responsible Credit Partnership (RCP), What's My Score resources will become an integral part of Visa's decade-long financial literacy initiative.

"What's My Score has developed innovative approaches for educating college students on responsible money management," said Jason Alderman, director of Visa USA's financial education programs. "We were looking for a compelling, comprehensive resource to help enhance our robust financial education efforts with college students and young adults, and we were honored to be asked by the Responsible Credit Partnership to take over What's My Score."

RCP, which joined The Center for Financial Services Innovation (CFSI) on January 1, 2007, will continue its work with Visa and other significant stakeholders in the credit card sector to improve responsible use of credit cards on behalf of "new to credit" consumers. As part of its reorganization, it sought new management for What's My Score, and identified Visa as the best choice, with its deep distribution opportunities and long-standing commitment to helping consumers work with the financial services industry.

In addition to the acquisition of certain intellectual property, Visa will expand its role on CFSI's Responsible Credit Roundtable, which supports credit card issuers working to responsibly and profitably address both short- and long-term needs of new to credit consumers. Kimberly Gartner, formerly RCP's Director, has joined CFSI as Associate Director where she will oversee the Responsible Credit Roundtable as part of her expanded portfolio of responsibilities. She added, "We look forward to working with Visa to help consumers manage credit successfully and expand opportunities for both issuers and customers. We are confident that Visa's stewardship of What's My Score will increase its reach and effectiveness on college campuses across the nation. As an industry leader, its participation in the Responsible Credit Roundtable offers tremendous benefits to CFSI as it broadens its credit card programs and relationships."

What's My Score, (www.WhatsMyScore.org), was originally developed by the Responsible Credit Partnership when it was a special project of The Saint Paul Foundation. Educational content and students' access to FICO scores are provided by Fair Isaac Corporation which developed the credit score. CFSI retains rights to distribute What's My Score educational materials, and What's My Score results will continue to be shared as part of CFSI's Responsible Credit Roundtable. What's My Score guides consumers through the ABC's of a FICO credit score, from factors that can lower a score to ways on improving it. It also contains other helpful credit score facts and tips. Visa and Fair Isaac plan a robust nationwide outreach campaign for What's My Score, with the goal of bringing the program to colleges across America.

In addition to What's My Score, Visa also runs the award-winning Practical Money Skills for Life program, a free, multilingual educational resource complete with home, school and at work financial lesson plans. Practical Money Skills for Life is aimed primarily at teachers and students in elementary through high school, as well adult consumers. The acquisition of What's My Score allows Visa to dramatically expand the reach of the company's financial education efforts to the nation's 17.5 million college students.

About Visa
Visa USA is the nation's leading payment brand and largest payment system, enabling banks to provide their consumers and business customers with a wide variety of payment alternatives tailored to meet their evolving needs. Visa USA is committed to increasing the choice, convenience, acceptance and security of Visa payments for all stakeholders in the payment system — members, cardholders and merchants. Through its 13,369 member financial institutions, more than 500 million Visa-branded cards have been issued to cardholders in the United States.

Worldwide, cardholders in more than 150 countries carry more than 1 billion Visa-branded cards, accounting for more than $3 trillion in annual transaction volume. VisaNet, Visa's global processing system and the world's largest financial network, processes transactions with unparalleled reliability.

Visa offers a trusted, reliable and convenient way to access and mobilize financial resources — anytime, anywhere, anyway.

About CFSI
The Center for Financial Services Innovation, an affiliate of ShoreBank Corporation, facilitates financial services industry efforts to serve underbanked consumers across the economic, geographic and cultural spectrum. It provides funding and resources, enables partnerships, and identifies, develops and distributes authoritative information on how to respond to the needs of the underbanked profitably and responsibly. CFSI works with banks, credit unions, technology vendors, alternative service providers, consumer advocates and policy makers to forge pioneering relationships, products and strategies that will transform industry practice and the lives of underbanked consumers. For more on CFSI, go to www.cfsinnovation.com.

For more information or to schedule an interview with a Visa USA spokesperson, please contact Steve Burke at (703) 683-5004 ext. 108, or sburke@crc4pr.com.

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