ADVISORY/American Express, JCB, MasterCard and Visa to Announce Mobile Payment Industry Consortium.

Business Editors

ADVISORY...for Tuesday (Nov. 6)

--(BUSINESS WIRE)

                            TELECONFERENCE
       Tuesday, November 6, 2001 -- 2:30 p.m. EST/11:30 a.m. PST

WHAT:   Four of the world's leading payment organizations -- American
        Express, JCB Co., Ltd., MasterCard International and Visa
        International -- will announce the launch of a new mobile
        commerce industry initiative. The consortium, involving
        mobile, technology and financial industry leaders, will aim to
        address current market issues and expand the global potential
        for mobile commerce growth.

WHEN:   Tuesday, November 6, 2001
        2:30 p.m. EST/11:30 a.m. PST

HOW:    From the U.S.:            1-888-423-3276
        From outside the U.S.:    1-612-332-0342
        Conference name:          M-commerce announcement

        Press release distribution via BusinessWire:
        Tuesday, November 6, 2001, 1:30 p.m. EST/10:30 a.m. PST

TELECONFERENCE REPLAY:  If you are unable to participate in the
        teleconference, you can access an instant replay of the call.

        From the U.S.:             1-800-475-6701
        From outside the U.S.:     1-320-365-3844
        Access code:               610411