About Household International

Household's businesses are leading providers of consumer finance, credit card, auto finance, and credit insurance products in the United States, United Kingdom, and Canada. In the United States, Household's largest business, founded in 1878, operates under the two oldest and widely recognized names in consumer finance -- HFC and Beneficial. Household is also one of the nation's largest issuers of private-label and general-purpose credit cards, including the GM Card and the AFL-CIO's Union Privilege card. For more information, visit the company's Web site at http://www.household.com.

About GraficaGroup

Founded in 1986, GraficaGroup (http://www.graficagroup.com) consists of three companies: GraficaAdvertising Inc., GraficaInter.active Ltd., and Grafica.eCRM Corp. The full, integrated suite of services offered by the GraficaGroup includes strategic, integrated marketing planning and execution; traditional and interactive creative solutions; data mining and CRM technology environments; Web site design, development and hosting; and public relations. The GraficaGroup has served clients in numerous industries, such as telecommunications (AT&T and Lucent Technologies); utilities (PSE&G); healthcare (Horizon Blue Cross Blue Shield of New Jersey). CHESTER, N.J