| 1. | Fortunately, the law is on the cardholder's side.
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| 2. | Cardholders earn one point for every $ 10 in unpaid balances.
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| 3. | The sales figures are based on a survey of Visa cardholders.
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| 4. | Cardholders can also cash personal checks and buy travelers'checks.
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| 5. | Each company would decide independently what discounts to offer to cardholders.
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| 6. | Cinta cardholders may change their PIN immediately at any Cinta ATMs.
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| 7. | Slightly more than 56 million cardholders remained as of March 31.
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| 8. | In the meantime, cardholders can make up their own minds.
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| 9. | Everyday Rewards cardholders will be sent'Woolworths Rewards'cards.
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| 10. | The cardholder is not charged any additional fees for this service.
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