i-SAFE is a nonprofit foundation whose
mission is to educate and empower youth to make their Internet experiences
safe and responsible. i-SAFE America Inc. Teachers who integrate lessons on
financial management into the classroom are making a significant contribution
toward their students' futures.
Practical Money Skills for Life contains comprehensive, interactive
materials to help parents work with their children to develop strong financial
skills at home, including a Back- to-School Budget Calculator , which is an
effective, hands-on way to teach kids how to prepare a budget and spend
wisely.

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.

crafts holidays

"

i-SAFE has been training schools on all the islands each year and will be
conducting trainings throughout the week."
Additional components of Visa's ongoing campaign to enhance personal
financial literacy include:

* An effort to increase the financial literacy of America's youth by
sponsoring the third annual Practical Money Skills for Life Educator
Challenge. Visa
is continuing this program in 2005 by donating computer labs to 10 high
schools across the United States. To date, Visa has donated more than
45 computer labs nationwide. Last year, U.

classroom days

PRESS RELEASE i-SAFE and the Hawaii Department of Education Bring 'Net Safety to the Islands

The program
is comprised of six online education video modules, including "Personal
Safety," "Cyber Community Issues," "Cyber Predator Identification," "Cyber
Security," "Intellectual Property," and "Effective Outreach." Each module
is designed to educate the user to effectively combat cyber crime.

This category lists sites that focus on observing Christmas with children and teenagers.

12 educators

"Our partnership with the Hawaii Department of Education has been
instrumental in educating over 35,000 students in Hawaii," said Teri
Schroeder , president and CEO of i-SAFE. www.visa.
According to the July survey of parents of high school students,
developing good personal financial skills and being able to handle their money
(74 percent ) ranked ahead of both following the wrong crowd (58 percent) and
drugs/alcohol use (56 percent) in terms of concerns parents have for their
children's futures. This is especially important since 69 percent of parents do not give
their children an itemized budget detailing what they can spend for back to
school.PracticalMoneySkills.

youth special

With worksheets on
setting an allowance and curbing their teens spending habits, children can
enter the world prepared to make the most of their financial situation.

For more information, please visit http://www.practicalmoneyskills.

Practical Money Skills for Life also helps give educators the tools they
need to teach practical money management lessons in their classrooms. Additionally, this program won the National Association of Consumer
Agency Administrators 2002 Achievement in Consumer Education Award (ACE) for
the best innovative program for the private sector and was named an "Honorable
Mention" by the Jump$tart Coalition for Personal Financial Literacy's 2002
Soaring$tar Award.

classroom educators

Internal Revenue Service.5
trillion in annual transaction volume with virtually 100-percent reliability. Only personal safety ranked higher (89 percent).

classroom lists

The findings revealed
that after only one day of testing, the students personal finance grades
improved overall by 13%, going from a "D" to a "B" average.1 trillion in annual transaction volume. The program is part of
Visa's decade-long, continued commitment to improving access to financial
education for all consumers.

While students learn most of their money management skills at the kitchen
table, the survey also showed that an overwhelming majority of parents would
like to see schools play a part in this effort.

parent lesson

"Research shows that personal finance curriculums
improve the financial literacy of students. This contest awards teachers who creatively incorporate
money management education in the classroom. Back-To-School Survey Finds 'Developing Good Financial Skills'
May be a Greater Concern Than 'Following the Wrong Crowd' and
'Drugs/Alcohol Use'

SAN FRANCISCO, Visa USA, today, released the
results of its annual back-to-school survey which found that a top concern of
parents is the development of their children's personal money management
skills.

* Over half of the parents surveyed, 63 percent, require their working
teens to save at least some of what they earn.

To
see Visa's Back to School survey results and to access the Back to School
Budget Calculator please visit Practical Money Skills for Life at
http://www.

It includes sites for parents, educators , and youth.

days children

When students are taught money management lessons, they become more
financially literate.
A fiscally smart young adult becomes a savvy consumer -- and that is good for
business , the economy, and for personal growth and success.
"While most children get the majority of their personal finance lessons at
home, we need to ensure that personal finance education also extends to the
classroom," Jones added. Nearly 100 percent of teachers who reviewed
the website approved of it; 98 percent said they would recommend the site to
other educators; and 94 percent gave the program a "B" or better. Nearly 21,000 financial institutions
worldwide rely on Visa's processing system, VisaNet, to facilitate $2. At the 2001 National Education Association Expo, the
program was put before teachers to evaluate and grade.

plans youth

"Our goal is to provide all
students in Hawaii the education to safely use the Internet. is the
leader in Internet safety education. is
funded by the U. With complete
lesson plans, the curriculum includes presentation materials, in-class
activities , quizzes and more.

About Practical Money Skills for Life
The Practical Money Skills for Life curriculum is teacher tested and
teacher approved.
"We need to ensure that personal finance education extends into the
classroom because teaching young adults about the importance of saving and
investing is a dual responsibility, shared by both parents and educators,"
Jones added .-based financial
institutions relied on Visa's processing system, VisaNet, to facilitate $1.

kids special

i-SAFE is also the first organization to provide training
videos, which certify adults and kids in Internet safety, that can be
viewed directly from its Web site. is designated a tax-exempt 501(c)(3) charitable
organization by the U.

Visa USA Marks 'Financial Literacy Month' With Re-Launch of Practical Money Skills for Life

About Visa
Visa is the world's leading payment brand and largest consumer payment
system, enabling banks to provide their consumer and merchant customers with a
wide variety of payment alternatives. Parents should sit down and talk with their
children about money matters so they will have the necessary tools needed to
become financially responsible and savvy adults," added Jones. It's also mapped to state educational
standards ensuring that activities not only teach important life skills but
also keep classes on target to meet state requirements.

12 resources

The goal is to educate students to avoid dangerous,
inappropriate, or unlawful online behavior. Visa offers a
trusted, reliable and convenient way to access and mobilize financial
resources -- anytime , anywhere, any way.

* Only 32 percent of parents said their family will have an itemized back-
to-school budget. Some 70 percent of parents
surveyed said their child has not had any formal training in money management,
either in school or outside the home. Visa
USA is committed to increasing the choice, convenience, acceptance, and
security of Visa payments for all stakeholders in the payments systems --
Members, cardholders and merchants.

holidays classroom

i-LEARN is an "on-demand"
system that educates teachers and students about Internet safety and
security anytime, anywhere, and through any computer with Internet access. The leader in Internet safety
education and awareness, it has educated more than one million students
around the world and is the only Internet safety education program that
combines curriculum with activities for community outreach and youth
empowerment .
In response to the need for greater financial literacy among young people,
Visa offers parents , students and teachers a free, online financial education
program called Practical Money Skills for Life. "While talking about finances is important, there's no
substitute for real-world experience in becoming disciplined with money.
Visa offers a trusted, reliable and convenient way to access and mobilize
financial resources -- anytime, anywhere, anyway.

teens society

i-SAFE accomplishes this
through dynamic K through 12 curriculum and community-outreach programs to
parents, law enforcement, and community leaders. Congress through the Office of Juvenile Justice and
Delinquency Prevention, Office of Justice Programs, Department of Justice.

Building Teen Personal Finance Skills a Top Worry for Parents Visa Survey Finds

teenagers parents

Recognizing that learning does not stop once the last school bell rings ,
Practical Money Skills for Life includes materials to help parents work with
their children to develop strong financial skills at home. For more information about Visa,
please visit http://www .com.
"These results show that parents understand that developing good financial
habits starts at a young age," said Rosetta Jones, vice president, Visa USA.

Additional key findings of the survey included:

* 53 percent of parents agree that their child thinks "money grows on
trees.

About Practical Money Skills for Life
The Practical Money Skills for Life curriculum is teacher tested and
teacher approved.

youth educators

With
complete lesson plans, the curriculum includes presentation materials, in-
class activities, quizzes and more.
"We've heard from many parents that they dread back-to-school shopping, so
why not turn this into an educational opportunity and experience for your
teens?" said Jones.com. Through its 14,000 Member financial
institutions , more than 463 million Visa-branded cards have been issued to
cardholders in the United States.

teenagers days

About i-SAFE America

Founded in 1998 and active in all 50 states, i-SAFE America Inc. It's also mapped to state educational standards
ensuring that activities not only teach important life skills but also keep
classes on target to meet state requirements.
Consumers in more than 150 countries carry more than 1 billion Visa-branded
cards, accepted at millions of locations worldwide .S.

days songs

Proven Money Management Curriculum Moves the Needle on Student Literacy

SAN FRANCISCO , As part of its ongoing commitment
to provide much needed money management and financial literacy tools to the
public, Visa USA is marking April as "Financial Literacy Month" with a re-
launch of its award-winning website, Practical Money Skills for Life. "One of the greatest things we can
do is arm young adults with the skills necessary for a financially fit life.

kids society

It is the only Internet
safety foundation to combine these elements."
Practical Money Skills for Life gives educators the tools they need to
teach practical money management lessons in their classrooms.5 million teachers, 37 million students, and
100,000 schools.
Worldwide, cardholders in over 150 countries carry more than 1 billion
Visa-branded cards, accounting for more than $3 trillion in annual transaction
volume.

lists educators

i-SAFE America, a nonprofit Internet safety
foundation, introduces i-LEARN Online at the Hawaii Department of Education
2006 e-School Conference the week of February 6.isafe. Visa USA conducted a study of college-bound seniors
last summer, testing their knowledge both before and after receiving lessons
from the Practical Money Skills for Life curriculum.

* A program that bridges the digital divide by donating computer
equipment to schools in need and providing training for teachers.

* 88 percent of parents feel it's important to monitor their child 's
spending and guide their money use.

classroom lesson

3
trillion in transactions with virtually 100 percent reliability.

teachers crafts

org

i-SAFE America Inc.S.

At the 2001 National Education Association Expo , teachers
graded and evaluated the program. The
curriculum currently reaches 2.com.
"The financial choices kids make will not only impact them today, but over the
course of their entire lives."

* 76 percent of parents surveyed said their high school student does not
have a budget .

parent society

plans special

"The program
always provides our educators and students with the latest tools and
knowledge to safely navigate the Internet. No longer available solely in a classroom
environment, i-LEARN Online provides tools for teachers and parents to
educate others about safe and responsible use of the Internet .S.
"When it comes to financial literacy, knowledge is truly power," said
Rosetta Jones, vice president, Visa USA. Winners will be announced
later this month. Additionally, this program won the National Association of
Consumer Agency Administrators 2002 Achievement in Consumer Education Award
(ACE) for the best innovative program for the private sector, and was named an
"Honorable Mention" by the Jump$tart Coalition for Personal Financial
Literacy's 2002 Soaring$tar Award. Additionally , 76 percent said that
schools should be required to teach money management skills."
Visa surveyed 1,000 Parents of High School students July 28-31, 2005. Nearly 100 percent of
teachers who reviewed the site said they approve of the Practical Money Skills
for Life program; 98 percent said they would recommend the site to other
educators, and 94 percent gave the program a "B" or better. The curriculum
currently reaches 2.5 million teachers, 37 million students, and 100,000
schools.

children songs

"i-SAFE continues to keep up with the ever-changing Internet," said Vicki
Kajioka, director of the Advanced Technology Research Branch."

The i-LEARN Online program gives adults and kids access to i-SAFE 's free
Internet safety lessons. Within the United States,
nearly 14,000 financial institutions issue 429 million Visa cards, accounting
for more than $1.