EXHIBIT 10.2

     WILDARD
------------
     SYSTEMS

Universal Golf Ticket
Program
for
CORPORATE SPORTS INCENTIVES
---------------------------
Scope Document

                                                                     Version 0.5
                                                                   April 4, 2003
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TABLE OF CONTENTS

 1 Introduction ...............................................................1
   1.1   Program Partners .....................................................1
       1.1.1     Discover /Novus - Network Provider ...........................1
       1.1.2     WildCard Systems - Back-End Technology .......................1
       1.1.3     CSI - Program Client and Universal Golf Ticket Distributor ...2
       1.1.4     IDT - POS Integrator at Walgreens ............................2
       1.1.5     Retail Sales Locations .......................................2
       1.1.6     Participating CSI Golf Courses -- Merchant ...................2
       1.1.7     Issuing Bank -- TBD ..........................................3
    1.2  Program Overview .....................................................4
       1.2.1     Initial Program ..............................................4
       1.2.2     Future Programs ...........:..................................4
    1.3  Reference Materials ..................................................4
    1.4  Concept Description - CSI Universal Golf Ticket program ..............4
       1.4.1     Non-Standard Program Elements Required for CSI Universal
                 Golf Ticket ..................................................7
    1.5  Key Assumptions- CSI Universal Golf Ticket program ...................9
    1.6  Future Phase Development Items ......................................10
       1.6.1     Phase II ....................................................10
       1.6.2     Future Phase ................................................10
 2     Retail Universal Golf Ticket Program Requirements .....................11
    2.1  Account & Card Features & Functions .................................11
       2.1.1     Card Configuration ..........................................11
       2.1.2     Issuing Bank ................................................11
       2.1.3     Program Setup ...............................................11
       2.1.4     Discover Card ...............................................11
       2.1.5     Card Expiration and Reissue .................................11
       2.1.6     Cardholder Fee ..............................................11
       2.1.7     Merchant Network ............................................12
    2.2  Sales, Card Value, and Delivery Applications ........................12
       2.2.1     Delivery ....................................................12
       2.2.2     Card Sales and Activation ...................................13
       2.2.3     Card Value - CSI Universal Golf Ticket ......................14
    2.3  Customer Service Applications .......................................15
       2.3.1     IVR..........................................................15
       2.3.2     Live Agent - Customer Service Application ...................16
       2.3.3     Self-Service Cardholder Website (My Account) ................16
       2.3.4     Statements ..................................................17
       2.3.5     Lost/Stolen Ticket ..........................................17
       2.3.6     Card Reissue ................................................17
    2.4  Risk Management .....................................................17
       2.4.1     Person Authentication--NONE Through WildCard applications ...17
       2.4.2     Card Usage Controls .........................................18
    2.5  Money Movement - Settlement Services ................................18
       2.5.1     Settlement Requirements .....................................18
   2.6   Reporting & Analysis .........................,......................18
 3     Scope and High Level Requirements Approval ............................20


  This document is confidential to WildCard Systems, Inc. and may not be used.
   copied or disclosed except with express prior written consent of WildCard
   Systems, Inc. Copyright WildCard Systems, Inc. 2003 - All rights reserved

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                                Revision History

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Date           Revision     Description                  Author
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1/24/03        0.1          First Draft                  Heather Hughes
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2/21/03        0.2          Second Draft                 Heather Hughes
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3/19/03        0.3          Third Draft                  Heather Hughes
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3/25/03        0.4          Fourth Draft                 Heather Hughes
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4/4/03         0.5          Final Draft                  Heather Hughes
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  This document is confidential to WildCard Systems. Inc. and may not be used,
   copied or disclosed except with express prior written consent of WildCard
   Systems. Inc. Copyright WildCard Systems. Inc. 2003 - All rights reserved

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1    INTRODUCTION

               This  document  contains  the  statement  of scope for  Corporate
               Sports Incentives' (CSI) Universal Golf Ticket program powered by
               WildCard  Systems.  The  scope  document  will  be  used  in  the
               specification  and setup of the Universal Golf Ticket program for
               CSI. The scope document also captures the high level requirements
               associated  with any  enhancements  to support the Universal Golf
               Ticket  and any  future  phase  initiatives  that  would  require
               functional specifications.

               Corporate   Sports   Incentives   produces  the  Universal   Golf
               Ticket(TM),  Universal Ski Ticket(TM),  Universal Spa Ticket(TM),
               and Universal Amusement Ticket(TM). The Universal Ticket has been
               successfully  marketed by CSI for over twelve years. CSI invented
               and developed the current system and manages all  fulfillment and
               transaction processing.

               The  system  workflow  was  engineered  twelve  years ago  around
               technology  that  existed at that time.  Since then,  several new
               stored-value   card-processing  technologies  have  emerged.  CSI
               believes  these  new  electronic  card-processing  systems  would
               facilitate  wider  acceptance,  ease of use,  and lower  cost per
               transaction of the Universal Ticket.

               CSI's ideal launch date for its first stored value  program - the
               Universal  Golf Ticket card program is June 10,  2003.  The final
               date for delivery to the retailer is July 20`".

               The potential enhancements for additional programs will be scoped
               and sized in a future phase.

1.1  PROGRAM PARTNERS

1.1.1     DISCOVER(R)NOVUS - NETWORK PROVIDER

               The  network   for  this   program   will  be  provided   through
               Discover/Novus.

               WildCard  will  leverage  the  Discover/Novus   network  for  the
               authorization   and  settlement  of  all  Universal  Golf  Ticket
               transactions. The Universal Golf Ticket process at Discover works
               the same way as a Discover Card (or Gift Card) transaction. There
               is no need to purchase new equipment.

               Discover will be responsible for ensuring that the  participating
               retailers and golf course merchants are equipped and connected to
               provide card activation and card usage respectively. CSI/WildCard
               will  coordinate  efforts with  Discover to determine  any out of
               network merchants.  CSI and Discover have a marketing campaign in
               place to sign up these merchants.

               Approval  has been  received  by the  Discover/Novus  network for
               implementation of this program.

1.1.2     WILDCARD SYSTEMS - BACK-END TECHNOLOGY

               The  back-end  technology  partner  for this  program is WildCard
               Systems,  which performs  several  roles.  For the Universal Golf
               Ticket program, WildCard's responsibilities will include:

                    o    Serves   as   gateway   into  the   financial   network
                         (Discover/Novus).

                    o    Captures   transaction  data  from  merchants  and  the
                         participating   merchants   Card  Acceptor  IDs.  (Card
                         Acceptor IDs will be provided by CSI).

                    o    Manages  the  account  database  and all  card  account
                         balances.


  This document is confidential to WildCard Systems, Inc. and may not be used,
   copied or disclosed except with express prior written consent of WildCard
   Systems, Inc. Copyright WildCard Systems, Inc. 2003 - All rights reserved

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                    o    Authorizes  all  cardholder  transactions  and  adjusts
                         cardholder balances per transaction.

                    o    Supports  and  analyzes  the retail  sale  (activation)
                         process through Discover.

                    o    Enforces all back-end business rules.

                    o    Provides customer service including IVR, live anent and
                         self-service cardholder website.

                    o    Provides  necessary  reporting -  including  cardholder
                         account activity reporting and any risk management.

                    o    Performs  settlement  services  for all funds  movement
                         with the Discover/Novus network on a daily basis.

                    o    Establishes a Nova relationship on behalf of CSI.

               WildCard will also be responsible  for  maintaining  account data
               related to activation,  balance, and settlement. All transactions
               will be  passed,  real-time  via the  Discover/Novus  network  to
               WildCard's database.

1.1.3     CSI - PROGRAM CLIENT AND UNIVERSAL GOLF TICKET DISTRIBUTOR

               CSI will create the program  and manage the  distribution  of the
               Universal   Golf  Tickets  for  this  Universal  Golf  Ticket  TM
               promotion.  CSI will  negotiate  all business  arrangements  with
               distributors  and retailers,  and facilitate the  distribution of
               cards/packages to those locations.

               CSI will be  responsible  for  training  the  participating  golf
               course  merchants  on the  program,  and for  sending  a  welcome
               package  to the  participating  merchants  to  collect  the  card
               acceptor IDs (using the WildCard "white/dummy card" plastic swipe
               process or batch process) used to identify these merchants in the
               Discover/Novus   authorization   message.  If  the  participating
               courses do not currently  accept  Discover/Novus  cards, CSI will
               distribute promotional materials to encourage sign-up.

               CSI will ensure that good funds are available  for  settlement of
               cardholder transactions.

1.1.4     IDT - POS INTEGRATOR AT WALGREENS

               The front-end  technology partner will be IDT. The role of IDT is
               to allow for the sale and  activation  of the cards at  Walgreens
               POS by receiving  transactions at the POS,  reformatting  them to
               WildCard's  A2A  messaging  specifications  and  routing  them to
               WildCard for processing.

1.1.5     RETAIL SALES LOCATIONS

               CSI will issue the  Universal  Golf  Tickets  through  identified
               Walgreens  locations.   The  number  of  Walgreens  locations  is
               approximately  4,400.  CSI will provide a final list to WildCard.
               Any new retailers  added to, CSI's  portfolio would require a new
               project.

               The retailers will serve as authorized agents for activation/sale
               of the Universal Golf Ticket.  The retailers must be able to scan
               the  bar  code  on the  Universal  Golf  Ticket  package  for the
               inventory management and activation of the Universal Golf Ticket.

1.1.6     PARTICIPATING CSI GOLF COURSES - MERCHANT

               CSI has  identified  1,300 golf  courses  within  their  existing
               database that will be designated as participating merchants. (CSI
               could  potentially  add  additional  merchants  for  the  initial
               launch).

  This document is confidential to WildCard Systems, Inc. and may not be used,
   copied or disclosed except with express prior written consent of WildCard
   Systems, Inc. Copyright WildCard Systems, Inc. 2003 - All rights reserved

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               These  merchants  will be  established  on the CSI Universal Golf
               Ticket  program  network of merchants.

               All merchants affiliated with CSI that accept cards from Discover
               as a form of payment,  can accept the CSI  Universal  Golf Ticket
               without  changing  their  point-of-sale   (POS)  systems.   Those
               merchants that don't accept  Discover,  will receive  promotional
               materials   distributed  by  CSI/Discover   encouraging  them  to
               sign-up.

               For card usage,  the merchant  will swipe the magnetic  stripe or
               enter the  Universal  Golf Ticket  account  number;  (just as the
               merchant would with a Discover card).

1.1.7     ISSUING BANK -- TBD

               The issuing bank for this program will be determined.


  This document is confidential to WildCard Systems. Inc. and may not be used,
   copied or disclosed except with express prior written consent of WildCard
   Systems, Inc. Copyright WildCard Systems, Inc. 2003 - All rights reserved

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1.2  PROGRAM OVERVIEW

               CSI  plans to sell  Universal  Golf  Tickets  to CSI's  customers
               through various channels:

                    1.   Retail  stores  (as  part  of  their  Universal  Ticket
                         portfolio)

                    2.   Packaged with  consumer  products  (example,  Top-Flite
                         Golf balls)

                    3.   Used for customer acquisitions and/or rewards

                    4.   On-line to consumers

                    5.   And/or  through  various  commercial  entities  such as
                         incentive companies, employers, etc.

               The initial  program will be a Universal Golf Ticket,  which will
               be sold at  Walgreens  retail  locations.  This product will be a
               Universal  Golf Ticket  (similar to a gift card) sold on a pegged
               display  through  Walgreens Gift Card Express display next to the
               register.  The card will be used to pay for one (1) round of golf
               at a select list of golf courses.

               WildCard's  approach  to this  program  includes  leveraging  the
               Discover/Novus  network for the  authorization  and settlement of
               transactions  when the  Universal  Golf  Tickets  are used.  This
               ensures that all merchants  affiliated with CSI that accept cards
               from Discover as a form of payment, can accept the Universal Golf
               Ticket without changing their pointof-sale  (POS) systems.  Those
               that don't accept Discover will be given specific instructions on
               how to accept Discover.

1.2.1     INITIAL PROGRAM

               The pilot  program will only include the launch of the  Universal
               Golf Ticket program distributed through  participating  Walgreens
               retail locations on a pegged display.

1.2.2     FUTURE PROGRAMS

               Upon completion of the initial  program,  CSI will decide whether
               to roll out a prepaid card to a number of their other programs:

                    1.   Additional retailers for the Universal Golf Ticket

                    2.   Retail Co-branded Universal Golf Ticket and SwingPack

                    3.   Universal Spa Ticket (including hotels and resorts)

                    4.   Universal Golf Lesson Ticket

                    5.   Top-Flite Golf Learning Center Ticket

                    6.   Universal Ski & Snowboard Tickets

                    7.   Hale Irwin Golfers Stored Value Card

               Note:  These  future  programs  are out of scope for this initial
               program.

1.3  REFERENCE MATERIALS

                    o    WildCard Standard URL Reporting Package

                    o    Wildcard batch file specifications

1.4  CONCEPT DESCRIPTION - CSI UNIVERSAL GOLF TICKET PROGRAM

               WildCard  will  enable  CSI to  launch a  Universal  Golf  Ticket
               program with an anonymous, Discover branded card/account.

               The  Universal  Golf Ticket will have the  following  features at
               launch:


  This document is confidential to WildCard Systems, Inc. and may not be used.
   copied or disclosed except with express prior written consent of WildCard
   Systems, Inc. Copyright WildCard Systems, Inc. 2003 - All rights reserved

<PAGE>


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               ACCOUNT AND CARD FEATURES AND FUNCTIONS

                    o    The program will run on the Discover  network  based on
                         program approval from Discover.

                    o    The  Discover  network  will  require an  issuing  bank
                         (TBD).  The funding  account for CSI's  Universal  Golf
                         Ticket will be a WildCard account at the issuing bank.

                    o    Discover  product;   accepted  only  at  Discover/Novus
                         merchant locations set up at WildCard for this program.
                         The CSI  Universal  Golf Ticket will not work at ATM or
                         PIN-based POS locations.

                    o    The   Universal   Golf  Ticket  will  be  an  anonymous
                         card/account -- with no personal  cardholder  recipient
                         data embossed on the card.

                    o    The card will be branded with the  Discover  brand logo
                         on the back of the card.

                    o    The  Universal  Golf  Ticket  will only be allowed  one
                         authorization  per card.  It will be  disposed of after
                         the first use.

                    o    WildCard will set up the Universal  Golf Ticket program
                         for a 4-year  physical  expiration  date. Once the card
                         has been  activated,  the logical  expiration date will
                         automatically be set to 10 months.

                    o    There are no WildCard  cardholder  fees  applicable for
                         this program.

                    o    No  paper  or  online  cardholder  statements  will  be
                         produced.

               SALES, CARD VALUE AND DELIVERY

                    o    Activation  and initial value loading will be processed
                         from a front-end  technology  partner (IDT), which will
                         route to  WildCard  through A2A calls.  All  activation
                         data will be routed to WildCard from IDT through an A2A
                         message for WildCard to update the account (activate).

                    o    CSI will send a new "welcome kit" to the  participating
                         golf courses  with  educational  information  about the
                         program, a white plastic, information about downloading
                         the card acceptor ID, and additional  documentation  on
                         how to use the card.

                    o    All of the Universal Golf Ticket's  underlying accounts
                         will have the same fixed  initial  value  loaded to the
                         account balance at the time of account generation.  The
                         initial  account balance for all Universal Golf Tickets
                         will be a fixed U.S. dollar amount of $55.00 to pay for
                         the  round of golf.  This  value  will be funded by CSI
                         upon at time of card activation.

                    ,o   The  Universal  Golf  Ticket  will only be allowed  one
                         authorization  per card.  It will be  disposed of after
                         the first use,  but CSI will allow one value  reload to
                         "gad"  up  to  five  (5)  additional   tickets  to  the
                         Universal  Golf  Ticket.  (To play on a  higher  priced
                         course may require several  tickets).  Value reloads to
                         add  additional  tickets may only be purchased  through
                         the   WildCard    self-service    cardholder    website
                         (MyAccount) or via phone by calling  WildCard  customer
                         service. Only existing,  unused cards will be permitted
                         to add additional tickets.

                    o    The value  added to the card will not equal the  amount
                         charged  to  the  purchaser's  credit  or  debit  card.
                         Tickets  will be sold  for a  pre-defined  value  (e.g.
                         $42.00 per ticket). The value added to the card will be
                         in increments of $55 per ticket.  If a cardholder wants
                         to add tickets to their card, WildCard will process the
                         credit/debit  card  transaction  on  behalf  of  CSI to
                         purchase those additional tickets.

  This document is confidential to WildCard Systems, Inc. and may not be used,
   copied or disclosed except with express prior written consent of WildCard
   Systems, Inc. Copyright WildCard Systems, Inc. 2003 - All rights reserved

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                    o    Each card account will only have one purse.

                    o    No dollar  denominations  will be presented on the face
                         of the, card. To the  consumer/cardholder  the card has
                         no dollar value - to the consumer  the  Universal  Golf
                         Ticket = "a golf experience".

                    o    WildCard  will  establish  the  "network of  merchants"
                         (merchant    card   acceptor   IDs)   as   defined   by
                         CSI/Discover.   CSI   will  be   responsible   for  the
                         collection  of the card  acceptor IDs from the targeted
                         merchants.  WildCard  will  need to  provide  the white
                         ("dummy") plastics used by the participating  merchants
                         to download the card acceptor ID or CSI would  download
                         the merchant  card  acceptor IDs to WildCard  through a
                         batch process (TBD).

                    o    No value unloading or check issuance will be permitted.

                    o    The cardholder can only purchase "new" ticket  packages
                         face-to-face at participating Walgreens locations.

                    o    The card will be branded with the  Discover  brand logo
                         on the back of the card.

                    o    The Universal Golf Ticket plastics will have a magnetic
                         stripe.  A 16-digit  Discover  account  number  must be
                         embossed on the front of the card.

                    o    The card  design  will need to have a  magnetic  stripe
                         placed in an  opposite  position  from the  traditional
                         space (see attached card design).  The magnetic  stripe
                         will need to be placed on the opposite bottom front vs.
                         traditional  opposite top front. This design allows the
                         card to be attached  to the front of the  package  with
                         the  magnetic  stripe  available  at the  bottom of the
                         package. Potential issue TBD with treatment/requirement
                         of expiration  date. If embossed,  would  conflict with
                         desired  maunetic  stripe  placement.  Will  require  a
                         variance from Discover (TBD).

                    o    WildCard will be responsible for the embossing/encoding
                         of the cards. WildCard will ship the cards in bulk to a
                         central CSI location. CSI will affix the plastic to the
                         retail  package,  and package and ship the cards to the
                         appropriate Walgreens distribution centers.

                    o    CSI will  develop  copy and design the  Universal  Golf
                         Ticket and all printed materials.  CSI will incorporate
                         any required guidelines established by Discover. (TBD)

               CUSTOMER SERVICE

                    o    All customer  service  interfaces  will need to provide
                         the card  balance  in terms of  number of  tickets  vs.
                         dollar value.

                    o    WildCard  will  provide a custom IVR service to include
                         special scripted IVR messaging for specific  cardholder
                         issues related to the Universal Golf Ticket.

                    o    WildCard  will  provide  live agent  customer  service,
                         which will include  addressing  program  questions from
                         cardholders  and  completing  sales  orders  of  adding
                         additional tickets to existing, unused cards.

                    o    WildCard will provide a custom MyAccount  website where
                         the cardholder can check the card balance (in tickets),
                         obtain card  replacement  instructions,  add additional
                         tickets, and link to CSI course locator web pages.


  This document is confidential to WildCard Systems, Inc. and may not be used.
   copied or disclosed except with express prior written consent of WildCard
   Systems, Inc. Copyright WildCard Systems, Inc. 2003 - All rights reserved

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               RISK MANAGEMENT

                    o    The program will use existing  WildCard risk management
                         services  associated with value loading and card usage.
                         WildCard will manage all risk services.

                    o    Risk services  associated with purchasing  transactions
                         over the phone or the web is TBD.

               SETTLEMENT/MONEY MOVEMENT

                    o    WildCard   will   analyze   and   develop  any  special
                         settlement  process  associated  with  the  transaction
                         value authorized.

                    o    WildCard must be able to remit to CSI the difference in
                         the amount of the settled  transaction  and the account
                         value funded.

               REPORTING

                    o    CSI will be provided standard  financial  reporting via
                         URL.

                    o    WildCard will develop  custom  reporting  regarding the
                         account  funding for each  account  and the  associated
                         settlement amount.

                    o    WildCard  will  provide   reporting  at  the  Walgreens
                         corporate level (not the store level).  Requirements to
                         be provided by CSI.

1.4.1     NON-STANDARD PROGRAM ELEMENTS REQUIRED FOR CSI UNIVERSAL GOLF TICKET

               WildCard has  determined  from the current  information  provided
               that the  following  requirements  will be  non-standard  program
               elements:

               ACCOUNT AND CARD FEATURES AND FUNCTIONS

                    o    The  Universal  Golf  Ticket  will only be allowed  one
                         authorization  per  card  (onetime  use).  It  will  be
                         disposed of after the first use.  WildCard  will set up
                         the Universal Golf Ticket program for a 4-year physical
                         expiration date. Once the card has been activated,  the
                         logical expiration date will automatically be set to 10
                         months.

               SALES, CARD VALUE AND DELIVERY

                    o    CSI will allow one value reload to "add" up to five (5)
                         additional  tickets to the Universal  Golf Ticket.  (To
                         play on a higher  priced  course  may  require  several
                         tickets).  Value reloads to add additional  tickets may
                         only be  purchased  through the  WildCard  self-service
                         cardholder website  (MyAccount) or via phone by calling
                         WildCard customer service. Only existing,  unused cards
                         will be permitted to add additional tickets.

                    o    The value  added to the card will not equal the  amount
                         charged  to  the  purchaser's  credit  or  debit  card.
                         Tickets  will be sold  for a  pre-defined  value  (e.g.
                         $42.00 per ticket). The value added to the card will be
                         in increments of $55 per ticket.  If a cardholder wants
                         to add tickets to their card, WildCard will process the
                         credit/debit   card   transaction   to  purchase  those
                         additional tickets.

                    o    WildCard  must  establish  the  "network of  merchants"
                         (merchant    card   acceptor   IDs)   as   defined   by
                         CSI/Discover.   CSI   will  be   responsible   for  the
                         collection  of the card  acceptor IDs from the targeted
                         merchants  through the "welcome kit'". CSI will provide
                         the card  acceptor IDs to WildCard.  WildCard will need
                         to provide  the white  ("dummy")  plastics  used by the
                         participating merchants to

  This document is confidential to WildCard Systems, Inc. and may not be used,
   copied or disclosed except with express prior written consent of WildCard
   Systems, Inc. Copyright WildCard Systems, Inc. 2003 - All rights reserved

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                         download the card acceptor ID or CSI would download the
                         merchant card acceptor IDs to WildCard  through a batch
                         process.

                    o    The card  design  will need to have a  magnetic  stripe
                         placed in an  opposite  position  from the  traditional
                         space.  The  magnetic  stripe will need to be placed on
                         the opposite bottom front vs. traditional  opposite top
                         front.  This  design  allows the card to be attached to
                         the  front  of the  package  with the  magnetic  stripe
                         available at the bottom of the package.  There may be a
                         potential   issue   with    treatment/requirement    of
                         expiration  date.  If  embossed,  would  conflict  with
                         desired magnetic stripe placement. May require variance
                         from Discover (TBD).

               CUSTOMER SERVICE

                    o    All customer  service  interfaces (IVR, Live Agent, and
                         MyAccount)  will need to  provide  the card  balance in
                         terms of number of  tickets  vs.  dollar  value.  A new
                         process is required to  translate  dollar  balance into
                         equivalent  number of tickets.  All interfaces  must be
                         able to display/read ticket values to the customer. The
                         logic should follow the example below:

                              If card is used = zero tickets
                              If card balance is $55 = I ticket
                              If card balance is $1 10 = 2 tickets
                              If card balance is $165 = 3 tickets
                              If card balance is $220 = 4 tickets
                              If card  balance is $275 = 5 ticket
                              If card balance is $330 = 6 tickets

                         If the Universal Golf Ticket does not have a balance of
                         an  increment of 55, then the card would have been used
                         and thus would be equal to zero (0) tickets.

                    o    Custom IVR: The following high-level features   must be
                         available:

                              o    Enter card number only for validation

                              o    Check card status and ticket balance

                              o    If the card is expired  and is  unused,  then
                                   indicate that the card has expired,  and warm
                                   transfer to CSI's customer  service (to allow
                                   the cardholder to obtained reissued card).

                              o    Upon   cardholder   validation,   reads  card
                                   balance in number of tickets

                              o    Provide option to "add tickets" to card, lost
                                   or stolen, and/or opt out to live agent

                              o    If the  card  has been  lost or  stolen,  the
                                   cardholder may report the lost/stolen card by
                                   calling the WildCard IVR or WildCard customer
                                   service representative.

                              o    For a lost  or  stolen  directory),  WildCard
                                   must provide a warm  transfer to CSI customer
                                   service number for new directory requests.

                    o    Live  Agent/CSA:   WildCard  will  provide  live  agent
                         customer service, which will include:

                              o    Addressing program questions from cardholders

                              o    Completing sales orders of adding  additional
                                   tickets to existing, unused cards.

                              o    Building   and    submitting   the   purchase
                                   transaction

                              o    Capturing  purchaser  information  (name  and
                                   billing  address)  to  create  a  MOTO  (mail
                                   order/telephone order) transaction.

                              o    CSI/WildCard  will need to develop  scripting
                                   for the live agents to explain to the, ticket
                                   holder   that  CSI  will  not  offer  a  card
                                   replacement  to a  cardholder  that  has  had
                                   their card lost or stolen.


  This document is confidential to WildCard Systems. Inc. and may not be used,
   copied or disclosed except with express prior written consent of WildCard
   Systems, Inc. Copyright WildCard Systems, Inc. 2003 - All rights reserved

<PAGE>


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                    o    My Account Website:  The following  high-level features
                         must  be  available:

                              o    Enter card number only for validation

                              o    Checks  account  /  card  status  and  ticket
                                   balance

                              o    If the card has  expired  and the  ticket  is
                                   unused,  then  indicate  card  expired,   and
                                   display    instructions   and   CSI   contact
                                   information to obtain a reissued card.

                              o    Upon  validation,  displays balance in number
                                   of available tickets

                              o    Capability  to allow one value  reload to add
                                   up to  five  (5)  additional  tickets  to the
                                   card.   WildCard   will  need  to  develop  a
                                   purchase  process  including  the  ability to
                                   provide  an  on-line   receipt  or  an  email
                                   confirmation  of  purchase  to the  purchaser
                                   (email  confirmation  is contingent  upon the
                                   purchaser  having  an  email  address).  Only
                                   existing,  unused  cards will be permitted to
                                   add additional tickets.

                              o    Provide frequently asked questions

                              o    Provide  information about the Universal Golf
                                   Ticket program

                              o    Link to CSI course locator web pages

               RISK MANAGEMENT

                    o    WildCard will need to determine if there will be a need
                         for   Risk   services    associated   with   purchasing
                         transactions over the phone or the web.

               SETTLEMENT/MONEY MOVEMENT

                    o    WildCard   will   analyze   and   develop  any  special
                         settlement  process  associated  with  the  transaction
                         value authorized.

                    o    WildCard  must  also  be  able  to  remit  to  CSI  the
                         difference in the amount of the settled transaction and
                         the account  value  funded.  WildCard will remit to CSI
                         any unused  dollar  balances on the card account  after
                         one authorization.

               REPORTING

                    o    WildCard will develop  custom  reporting  regarding the
                         account  funding for each  account  and the  associated
                         settlement amount.

                    o    WildCard will  determine if any new  reporting  must be
                         developed for this program at the Walgreen's (retailer)
                         corporate level (not the store level). CSI will provide
                         reporting requirements (TBD).

                    o    WildCard  must  determine if custom  reporting  will be
                         required  related to the account balance funded and the
                         related settlement amount.

               OTHER

                    o    Establish Nova relationship on behalf of CSI.

1.5  KEY ASSUMPTIONS- CSI UNIVERSAL GOLF TICKET PROGRAM

               WildCard has  identified the following key  assumptions  for this
               program:

                    o    Discover implementation is tested and in production.

                    o    Walgreens,  IDT or  WildCard  is  able to  support  the
                         Universal Golf Ticket activation process.

                    o    CSI will obtain and provide the merchant  card acceptor
                         IDs.


  This document is confidential to WildCard Systems, Inc. and may not be used,
   copied or disclosed except with express prior written consent of WildCard
   Systems, Inc. Copyright WildCard Systems. (nc. 2003 - All rights reserved

<PAGE>


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                    o    Card packaging will allow for bar code scanning. (TBD)

                    o    CSI  will be  responsible  for the card  packaging  and
                         shipment to the participating retail locations.

                    o    CSI  be  responsible  for  card  inventory  management.

               Additional key  assumptions may be added during the scope of this
               program.

1.6  FUTURE PHASE DEVELOPMENT ITEMS

1.6.1     PHASE II

               In a later  phase,  CSI will  require the  capability  to use the
               WildCard  CardWiz  application  to  close  and  cash out the card
               balance  and  open and  value  load to a new  account  (anonymous
               account)  for its card  reissue  procedures  related to  expired,
               unused tickets.

1.6.2     FUTURE PHASE

               CSI has expressed  interest in the following  enhancements to its
               programs) at a future date:

                    o    A batch file process  will be developed to add,  remove
                         or change a card acceptor ID within the network (TBD).

                    o    Acquiring the cardholder's personal information at some
                         future date. The method to obtain this  information may
                         be via a cardholder website or live agent.


  This document is confidential to WildCard Systems, Inc. and may not be used,
   copied or disclosed except with express prior written consent of WildCard
   Systems, Inc. Copyright WildCard Systems, Inc. 2003 - All rights reserved

<PAGE>


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2    RETAIL UNIVERSAL GOLF TICKET PROGRAM REQUIREMENTS

2.1  ACCOUNT & CARD FEATURES & FUNCTIONS

2.1.1     CARD CONFIGURATION

               The Universal Golf Ticket will be an anonymous  Discover  branded
               card.  The  card  will  have  the  ability  to  be  used  at  any
               Discover/Novus  merchant within the "network of merchants"  setup
               by CSI/WildCard.

               These cards will have no ATM access or PIN-based POS  transaction
               capability.

               WildCard and CSI will be  responsible  for gaining all  approvals
               for program branding and product configuration from Discover.

2.1.2     ISSUING BANK

               The Discover  network will require an issuing bank.  Issuing bank
               to be determined (TBD).

2.1.3     PROGRAM SETUP

               WildCard will setup this program as a separate CSI sub-program.

2.1.4     DISCOVER CARD

               The CSI  Universal  Golf Ticket  program  will bear the  Discover
               brand logo on the back of the card plastic and can be used at any
               participating Discover/Novus merchant set up for the program.

2.1.5     CARD EXPIRATION AND REISSUE

               WildCard will set up the CSI  Universal  Golf Ticket for a 4-year
               physical  expiration date. Once the card has been activated,  the
               logical  expiration date will  automatically be set to 10 months.
               At that point,  the  physical  expiration  date (on the  magnetic
               stripe) will be 4 years and the logical  expiration  date (on the
               underlying account on the WildCard System) will be 10 months.

               The Universal Golf Ticket will only be allowed one  authorization
               per card. It will be disposed of after the first use.

               The Universal Golf Ticket card  expiration date will be disclosed
               to the cardholder  through  pre-printed  verbiage on the front of
               the card plastic.  WildCard will determine whether the expiration
               date on the card will be printed or suppressed (TBD).

               CSI will have a card reissue  process.  CSI will replace the card
               if the card has expired and has not been used.  (See Card Reissue
               Section)

2.1.6     CARDHOLDER FEE

               Due to the fact  that the  Universal  Golf  Ticket  has no dollar
               value  associated  with it from a cardholder  perspective,  there
               will  be no  WildCard  cardholder  fees  assessed  with  the  CSI
               Universal Golf Ticket program.

               CSI will charge a card  replacement  fee, but it will be assessed
               by CSI directly and is outside of the scope of this program.


  This document is confidential to WildCard Systems, Inc. and may not be used.
   copied or disclosed except with express prior written consent of WildCard
   Systems. Inc. Copyright WildCard Systems, Inc. 2003 - All rights reserved

<PAGE>


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2.1.7     MERCHANT NETWORK

               WildCard   will  set  up  the  merchant   network  based  on  the
               information  provided by CSI/Discover on the  participating  golf
               course merchants.

               WildCard will receive the required  merchant data (card  acceptor
               IDs) from CSI.  CSI will  receive  this  information  either from
               Discover,  or by  sending a  "welcome  kit" to the  participating
               merchants and instructing them to swipe the plastic through their
               terminal reader to download the required data to WildCard.

               If   the   participating   courses   do  not   currently   accept
               Discover/Novus  cards, CSI will distribute  promotional materials
               to encourage sign-up.

2.2  SALES, CARD VALUE, AND DELIVERY APPLICATIONS

2.2.1     DELIVERY

2.2.1.1     CARD DESIGN/PLASTIC

               CSI will provide card design for the plastic.

               WildCard will execute the  mechanicals  for card  production  and
               will obtain approval for the card design from Discover.

               CSI will handle the card  manufacturing  and WildCard will handle
               the card personalization  (embossing and encoding of the plastic)
               through an authorized  Discover vendor.  Once the cards have been
               embossed and  encoded,  WildCard  will ship the card  plastics in
               bulk to CSI. CSI will be responsible  for affixing the plastic to
               the retail package and packaging/bundling the cards to be shipped
               to the appropriate Walgreens distribution centers.

               The card design will need to have a magnetic  stripe placed in an
               opposite  position from the traditional  space (see attached card
               design).  The  magnetic  stripe  will  need to be  placed  on the
               opposite bottom front vs.  traditional  opposite top front.  This
               design allows the card to be attached to the front of the package
               with the magnetic stripe  available at the bottom of the package.
               The magnetic  stripe will provide the swiping  capability  at the
               participating golf courses for card use/authorization.  Potential
               issues  are  to  be  determined  with   treatment/requirement  of
               expiration  date  (TBD).  If the card were  embossed,  this would
               conflict  with desired  magnetic  stripe  placement.  May require
               variance from Discover (TBD).

               The  Discover  16-digit  account  number  will be embossed on the
               plastic.  The card will be swiped by the merchant  (golf  course)
               for  the  electronic  authorization.   The  card  number  may  be
               key-entered  if the magnetic  stripe  cannot be read.  Since card
               number entry will be required for IVR access,  a card number must
               be printed/embossed on the card plastic.

               The Universal Golf Ticket card  expiration date will be disclosed
               to the cardholder  through  pre-printed  verbiage on the front of
               the card plastic.  WildCard will determine whether the expiration
               date on the card will be printed or suppressed (TBD).

               The Universal Golf Ticket will not have a signature  panel on the
               back of the plastic.

               The  Discover  logo  will be  displayed  on the  back of the card
               plastic.

               CSI has  provided  the  Universal  Golf  Ticket  card  design  to
               Discover and is waiting on approval.


  This document is confidential to WildCard Systems, Inc. and may not be used,
   copied or disclosed except with express prior written consent of WildCard
   Systems, Inc. Copyright WildCard Systems, Inc. 2003 - All rights reserved

<PAGE>


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2.2.1.2     FULFILLMENT PACKAGE

               There  will  be no PIN  access  with  this  program,  thus no PIN
               fulfillment options will be required.

               CSI will design and write copy for print  production of all paper
               fulfillment  materials in coordination  with the design direction
               of the plastics and card packaging.

               All information on the  fulfillment  packagre will be provided in
               English.

               A magnetic  stripe must be exposed through the card packaging and
               available on the card  plastic for swiping  through a card reader
               to activate the card.  Swiped  activation must be enabled without
               the package being opened.

               A bar code for  scanning the  Universal  Golf Ticket sale must be
               available  on the  outside of the card  package for POS sales and
               inventory management.

               CSI will  determine  the  guidelines/regulations  for  terms  and
               conditions related to this program. The terms and conditions must
               be  included  along  with the  Universal  Golf  Ticket  packaging
               through the  participating  golf course directory and on the back
               of the card  plastic.  CSI will obtain  approval from Discover on
               the terms and conditions disclosed to the cardholder.

2.2.1.3     CARD FULFILLMENT

               The  designated  vendor  (authorized  by Discover) will apply the
               magnetic-stripe, and emboss and encode the card plastics. It will
               be determined whether the personalization and packaging will take
               place at one fulfillment vendor or separate vendors.

               WildCard  will  need to  determine  the  correct  personalization
               (embossing/encoding) vendor for Discover cards (TBD).

               WildCard  will ship the embossed and encoded card plastics to CSI
               for retail  packaging and shipment.  CSI will provide the central
               location on where to ship the cards.

               CSI will be responsible for affixing the card plastic to the card
               packaging,   bundling/packaging   the  cards,  and  shipping  the
               completed card packages to the appropriate Walgreens distribution
               centers.

2.2.1.4     INVENTORY AND DISTRIBUTION MANAGEMENT

               The  final   specifications   for  inventory   and   distribution
               management  will be  determined in  partnership  between CSI, the
               retailer partners, and WildCard.

               CSI will manage the inventory and distribution process.

2.2.2     CARD SALES AND ACTIVATION

               The  Universal  Golf  Tickets  will be  distributed  on a  pegged
               display  through  participating  Walgreens,locations.   When  the
               customer  brings the Universal  Golf Ticket  package to the check
               out lane for purchase the following process will take.place:

                    1.   The consumer  brings the Universal  Golf Ticket package
                         to the retailer's  checkout  cashier.  The cashier will
                         total and receive  payment from the  cardholder for the
                         total  purchase  amount  including the  Universal  Golf
                         Ticket package price and any  additional  miscellaneous
                         items that that customer wishes to purchase.

                    2.   The  Walgreens  cashier  will  scan the bar code on the
                         card  package,  which  will  prompt  a  message  on the
                         register for the cashier to swipe the  magnetic  stripe
                         on the Universal Golf Ticket.


  This document is confidential to WildCard Systems, Inc. and may not be used,
   copied or disclosed except with express prior written consent of WildCard
   Systems, Inc. Copyright WildCard Systems, Inc. 2003 - All rights reserved

<PAGE>


4/4/03                UNIVERSAL GOLF TICKET PROGRAM FOR CSI                   14
                               SCOPE DOCUMENT v0.5

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                    3.   The cashier will swipe the Universal Golf Ticket, which
                         will  prompt  a  message  to the  cashier  on  the  POS
                         terminal  to  enter  the  price of the  Universal  Golf
                         Ticket  package.  WildCard will not be responsible  for
                         this   step,   due  to  the  fact   that  the  card  is
                         pre-denominated.

                    4.   The cashier will then enter the package  price  amount,
                         at which time the captured  data (the  account  number)
                         will be sent to Walgreens central host (TBD) and an A2A
                         message  will be built and routed to WildCard  from the
                         specified  Walgreens  location  using  IDT as  the  POS
                         integrator  and switch to  WildCard.  IDT will  receive
                         transactions  at the POS,  reformat  them to WildCard's
                         A2A  messaging   specifications  and  routing  them  to
                         WildCard for processing.

                    5.   The   funds   collected   will   be   handled   through
                         pre-existing  Walgreens sales procedures for acceptance
                         of  various  payment  tenders  (e.g.  cash,  checks and
                         cards).  Note:  The  cardholder  will  receive only one
                         receipt  including the  Universal  Golf Ticket sale and
                         any  miscellaneous  items.  CSI will determine  through
                         Walgreens  what  type of  receipt  information  will be
                         provided to the  purchaser  and if the  Universal  Golf
                         Ticket number will be provided (TBD) on the receipt.

               WildCard  will only be  responsible  for  updating the account to
               active status once the activation message is received from IDT.

               Once  the  card  has  been  activated,  the  card  value  will be
               available  for  one   authorization/use   by  the  cardholder  at
               participating golf courses.

2.2.3     CARD VALUE - CSI UNIVERSAL GOLF TICKET

               To the consumer,  this card has zero dollar  value,  so no dollar
               denominations  will be presented on the face of the card.  To the
               consumer/cardholder   the   Universal   Golf  Ticket  _  "a  golf
               experience".

               All of the Universal Golf Ticket's  underlying accounts will have
               the same fixed initial value loaded to the account balance at the
               time of account  generation.  The initial account balance for all
               Universal  Golf  Tickets  will be a fixed U.S.  dollar  amount of
               $55.00  to pay  for  the  round  of  golf.  This  value  will  be
               established at the time the account is generated, but will not be
               funded (by CSI) until the card has been activated.

               The Universal Golf Ticket only be allowed one  authorization  per
               card. It will be disposed of after the first use.

2.2.3.1     RELOADING (ADDING ADDITIONAL TICKETS)

               Once  the  customer  has  purchased  the  card  and it  has  been
               activated  the  customer  can  immediately  use  the  card  at  a
               participating  golf course that will only require "one ticket" to
               play their course. (To play on a higher priced course may require
               several tickets).

               Should  thecustomer wish to purchase (or add) additional  tickets
               to their card balance, they will be allowed a one-time reload-(of
               up to five  additional  tickets) to an  existing,  unused card by
               calling  WildCard  customer  service  or  through  the My Account
               cardholder self-service website application. The toll-free number
               to Wildcard  customer service and My Account website address will
               be included within the card packaging with the initial purchase.

               WildCard  representatives,  using a web-based  application,  will
               facilitate  the  process  to  purchase  additional  tickets.  The
               toll-free  number  provided to the purchaser  will direct them to
               the WildCard IVR first, where the purchaser will enter only their
               16-digit card account number before choosing to be transferred to
               a live agent for additional ticket purchases.


  This document is confidential to WildCard Systems, Inc. and may not be used.
   copied or disclosed except with express prior written consent of WildCard
   Systems, Inc. Copyright WildCard Systems, Inc. 2003 - All rights reserved

<PAGE>


4/4/03                UNIVERSAL GOLF TICKET PROGRAM FOR CSI                   15
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               The cardholder  must identify  himself or herself to the WildCard
               customer  service  representative  via the 16-digit  card account
               number  on the  front  of  their  card.  To  purchase  additional
               tickets, the cardholder will provide the following information:

                    o    Name

                    o    Address

                    o    Home phone number

                    o    Email address

                    o    Date of birth

                    o    Payment Method

               The  information  provided by the cardholder will be screened via
               Wildcard  risk tools.  Once the risk  screening is complete,  the
               value will be added to the card.

               Reloading  will not be allowed on any Universal  Golf Ticket that
               has  already  been used  (only  unused  cards  will be allowed to
               reload).

               The value added to the card will not equal the amount  charged to
               the purchaser's  credit or debit card. Tickets will be sold (cost
               to cardholder or purchaser)  for a pre-defined  value ($42.00 per
               ticket).  The value added to the underlying  card account (funded
               by CSI) will be in increments of $55 per ticket.  If a cardholder
               wants to add tickets to their  card,  WildCard  will  process the
               credit/debit   card  transaction  to  purchase  those  additional
               tickets.

2.3  CUSTOMER SERVICE APPLICATIONS

               Access to the  WildCard  -supported  IVR  customer  service  will
               require that the cardholder  enter only their 16-digit  Universal
               Golf Ticket account number, but no access code will be required.

               All customer  service  interfaces (IVR, Live Agent and MyAccount)
               will  need to  provide  the card  balance  in terms of  number of
               tickets vs. dollar value.  A new process is required to translate
               dollar balance into equivalent number of tickets.  All interfaces
               must be able  to  display/read  ticket  values  to the  customer.
               Translation  example  is  shown  below.  (Actual  values  must be
               provided by CSI during the functional requirements phase):

                    The logic should follow the example below:

                         If card is used = zero  tickets
                         If card  balance is $55 = 1 ticket
                         If card  balance is $110 = 2 tickets
                         If card  balance is $165 = 3 tickets
                         If card  balance is $220 = 4 tickets
                         If card balance is $275 = 5 tickets
                         If card balance is $330 = 6 tickets

                    If the  Universal  Golf Ticket does not have a balance of an
                    increment  of 55, then the card must have been used and thus
                    would be equal to zero (0) tickets.

2.3.1     IVR

               CSI will  require a custom  WildCard IVR for the  Universal  Golf
               Ticket  program.  The IVR will be offered in  English  only.  The
               following features must be available through the WildCard IVR:

                    o    The  cardholder  must be able to enter  their  l6-digit
                         Universal  Golf Ticket card number only for  validation
                         and IVR access.

                    o    Upon cardholder validation, the IVR will speak the card
                         balance in number of tickets.

                    o    The  system  must be able to check the  status of their
                         card and the ticket balance.


  This document is confidential to WildCard Systems, Inc. and may not be used,
   copied or disclosed except with express prior written consent of WildCard
   Systems, Inc. Copyright WildCard Systems, Inc. 2003 - All rights reserved

<PAGE>


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                    o    If the card is expired  and the ticket is unused,  then
                         the IVR  must  indicate  (or  speak)  that the card has
                         expired,  and warm transfer to CSI's  customer  service
                         (to allow the cardholder to obtain a reissued card).

                    o    The cardholder will have an IVR option to "add tickets"
                         to their  card,  which  should  transfer  the call to a
                         WildCard live agent.

                    o    If the card has been lost or stolen, the cardholder may
                         report the lost/stolen card by calling the WildCard IVR
                         or   WildCard    customer    service    representative.
                         CSI/WildCard  will need to  develop  scripting  for the
                         live  agents to explain to the ticket  holder  that CSI
                         will not offer a card  replacement to a cardholder that
                         has had their card lost or stolen.

                    o    For a lost  or  stolen  directory  (or  expired  card),
                         WildCard  must provide a warm  transfer to CSI customer
                         service number for new directory requests.

2.3.2     LIVE AGENT - CUSTOMER SERVICE APPLICATION

               WildCard  will provide live agent  customer  service,  which will
               include:

                    o    Addressing program questions from cardholders

                    o    Completing sales orders of adding additional tickets to
                         existing, unused cards.

                    o    Building and submitting the purchase transaction

                    o    Capturing  purchaser   information  (name  and  billing
                         address) to create a MOTO (mail order/telephone  order)
                         transaction.

                    o    CSI/WildCard  will need to  develop  scripting  for the
                         live  agents to explain to the ticket  holder  that CSI
                         will not offer a card  replacement to a cardholder that
                         has had their card lost or stolen.

               All live agent customer service will be provided in English only.

               The WildCard  IVR will provide a warm  transfer to a CSI customer
               service   representative   for  customer's   with  a  lost/stolen
               directory  that want obtain a new directory or for ticket holders
               that have an expired, unused card that want to request a reissued
               card.

2.3.3     SELF-SERVICE CARDHOLDER WEBSITE (MY ACCOUNT)

               One of the customer support options  available to CSI cardholders
               will  be  the  My   Account   self-service   cardholder   website
               application.  This site will  provide  customer  service  for the
               cardholder including ticket balance,  program information and the
               capability to add additional tickets.

               CSI will work  together  with  WildCard to select the  available,
               standard  functional  modules  it  requires,  and then  provide a
               specification for the turnkey graphic configurations.

               Cardholders must have the capability to purchase (add) up to five
               (5) additional tickets to their existing,  unused cards. WildCard
               will need to develop a purchase process  including the ability to
               provide an email confirmation of purchase to the purchaser. (Only
               existing,  unused  cards  will  be  permitted  to add  additional
               tickets.

               All My Account service information will be in English only.

               The  following  high-level  features  must be available on the My
               Account application for the:

                    o    The  cardholder  must be able to enter  their  16-digit
                         Universal  Golf Ticket card number only for  validation
                         and access into the MyAccount site.

                    o    Once the  cardholder  has been validated and has access
                         into the  MyAccount  site,  the page will  display  the
                         cardholder's   balance  in  the  number  of   available
                         tickets.


  This document is confidential to WildCard Systems, Inc. and may not be used,
   copied or disclosed except with express prior written consent of WildCard
   Systems, Inc. Copyright WildCard Systems, Inc. 2003 - All rights reserved

<PAGE>


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                    o    The  cardholder  must be able to check  the  status  of
                         their card and the ticket balance.

                    o    If the card is expired and the card is unused, then the
                         website must indicate that the card has expired.

                    o    The site  must  provide a process  to  purchase  or add
                         additional tickets to the existing, unused card.

                    o    The site must provide a process  including  the ability
                         to provide an on-line receipt or email  confirmation of
                         purchase  to  the  purchaser  (email   confirmation  is
                         contingent upon the purchaser having an email address).

                    o    The  site  must  provide  a list  of  frequently  asked
                         questions.

                    o    The site must provide information or instructions about
                         the Universal Golf Ticket program.

                         The site will have a link to CSI's  course  locator web
                         pages.

2.3.4     STATEMENTS

               No cardholder statements will be produced with this program.

2.3.5     LOST/STOLEN TICKET

               If the card has been lost or stolen,  the  cardholder  may report
               the  lost/stolen  card by calling  the  WildCard  IVR or WildCard
               customer  service  representative.   CSI/WildCard  will  need  to
               develop  scripting  for the live  agents to explain to the ticket
               holder that CSI will not offer a card replacement to a cardholder
               that has had their card lost or stolen.

               CSI will not offer a card  replacement  to a cardholder  that has
               had their card lost or stolen.

2.3.6     CARD REISSUE

               If the card has expired and has not been used, the cardholder may
               obtain  a new  card  by  calling  the  WildCard  IVR or  WildCard
               customer  service  representative  who  will  warm  transfer  the
               cardholder to a CSI customer service representative.

               CSI will need the ability to reissue the Universal Golf Ticket if
               the card has expired and has not been used.  The customer will be
               instructed to mail in their  expired card to CSI. Once  received,
               CSI will  reissue a new card with a  10-month  expiration  to the
               cardholder.  CSI will  charge the  cardholder  with a $15.00 card
               replacement  fee for the  reissued  card.  WildCard  will  not be
               responsible to this fee assessment.

               In a later  phase,  CSI will  require the  capability  to use the
               WildCard  CardWiz  application  to  close  and  cash out the card
               balance  and  open and  value  load to a new  account  (anonymous
               account)  for its card  reissue  procedures  related to  expired,
               unused tickets.

2.4  RISK MANAGEMENT

               The program will use existing  WildCard risk management  Services
               associated  with value  loading  and card  usage.  WildCard  will
               manage all risk services.

2.4.1     PERSON AUTHENTICATION--NONE THROUGH WILDCARD APPLICATIONS

               The Universal Golf Ticket is an anonymous card.

               CSI does not plan to obtain the SSN of any cardholders purchasing
               additional tickets.

               All cardholders  calling to purchase  additional  tickets will be
               screened through WildCard risk tools.


  This document is confidential to WildCard Systems, Inc. and may not be used,
   copied or disclosed except with express prior written consent of WildCard
   Systems, Inc. Copyright WildCard Systems, Inc. 2003 - All rights reserved

<PAGE>


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                               SCOPE DOCUMENT v0.5

================================================================================

               The  Universal  Golf Ticket cards are  intended as gifts,  so the
               initial  purchase  of  the  card  will  most  likely  not  be the
               recipient.

2.4.2     CARD USAGE CONTROLS

               Wildcard's Risk  Management  department will specify program card
               usage parameters based on stored value card best practices. These
               include, but are not limited to:

                    o    The card may only be used/authorized at CSI golf course
                         merchants with card accepter IDs set up on the WildCard
                         authorization network. If an authorization is attempted
                         outside of the defined network, the transaction will be
                         declined.

                    o    WildCard  will  configure  each card to allow  only one
                         authorization  per card. Any additional  authorizations
                         will be declined.

                    o    No stand-in processing will be supported.

               The  Universal  Golf  Ticket  program  for CSI  will not have PIN
               access;  therefore  no ATM or  cash  access  parameters  will  be
               required.

2.5  MONEY MOVEMENT - SETTLEMENT SERVICES

2.5.1     SETTLEMENT REQUIREMENTS

               WildCard and CSI will together  finalize the specific process for
               the timing and manner of making these settlement funds available.

               CSI will fund the card account once the card has been activated.

               WildCard will remit to CSI any unused dollar balances on the card
               account after one authorization.

               Example: The account has been funded for $55. The cardholder ends
               up going to a golf course that  charges a $45 fee. The cashier at
               the golf course swipes the card for the $45 fee. The  transaction
               is processed for $45, leaving a balance of $10 between the funded
               and settled  amount.  WildCard must renut the $10 back to CSI for
               the amount of the over funding for this account.

               WildCard  must analyze the  development  of a special  settlement
               process  associated with the  reconciliation and reporting of the
               account  balance  funded  and  the  transaction   value  settled.
               WildCard  must  also be able to remit CSI the  difference  in the
               amount of the transaction and the account value funded  ($55.00).
               WildCard/CSI need to understand Discover's settlement process.

2.6  REPORTING & ANALYSIS

               WildCard  and  CSI  will  mutually  agree  on  what  reports  are
               appropriate and/or needed from the Standard Reporting Package.

               FINANCIAL   REPORTING:   WildCard  will  provide  standard  basic
               financial reporting at a separate, secure reporting URL for CSI.

               REPORTING HIERARCHY: WildCard will define the reporting hierarchy
               required  to  meet  CSI's   Universal   Golf   Ticket   reporting
               requirements  and any other  requirements  associated with future
               CSI programs.  It is  anticipated  that there will be one program
               and  potentially  additional  Universal Golf Ticket  programs for
               CSI. All should rollup for reporting to CSI. It is important that
               any  future CSI  programs  be  considered  when  determining  the
               reporting rollup configuration.


  This document is confidential to WildCard Systems, Inc. and may not be used,
   copied or disclosed except with express prior written consent of WildCard
   Systems, Inc. Copyright WildCard Systems, Inc. 2003 - All rights reserved

<PAGE>


4/4/03                UNIVERSAL GOLF TICKET PROGRAM FOR CSI                   19
                               SCOPE DOCUMENT v0.5

================================================================================

               Set up of the URL reporting will be part of the standard setup.

               CUSTOM REPORTING:  WildCard will need to develop custom reporting
               pertaining to the account  balance,  the funding  associated with
               each account and the related settlement amount. CSI/WildCard must
               have further discussions on reporting requirements.

               WildCard  will only provide  reporting at the Retailer  corporate
               level not the store level.

               CSI will provide an overview of their reporting needs.


  This document is confidential to WildCard Systems. Inc. and may not be used,
   copied or disclosed except with express prior written consent of WildCard
   Systems, Inc. Copyright WildCard Systems, Inc. 2003 - All rights reserved

<PAGE>


4/4/03                UNIVERSAL GOLF TICKET PROGRAM FOR CSI                   20
                               SCOPE DOCUMENT v0.5

================================================================================

3    SCOPE AND HIGH LEVEL REQUIREMENTS APPROVAL

CSI UNIVERSAL GOLF TICKET PROGRAM SCOPE - VERSION 0.5

This Scope and High Level  Requirements  Document Is Approved.  WildCard Systems
has the approval of CSI to proceed with  implementation of the project,  subject
to agreement to the pricing and  scheduling  terms for this project as set forth
in the contract between WildCard Systems and CSI. Once approved,  any changes to
this Scope will need to be clearly documented and approved by CSI.

Signature: /S/ ANTHONY G. ROTH                  Signature:
                                                          ---------------------
Name: ANTHONY G. ROTH                           Name:
                                                      --------------------------
Title:  PRES & CEO                              Title:  VP
                                                        --
Date:  4/8/2003                                 Date: 4/15/2003
                                                      --------------------------



  This document is confidential to WildCard Systems, Inc. and may not be used,
   copied or disclosed except with express prior written consent of WildCard
   Systems, Inc. Copyright WildCard Systems, Inc. 2003 - All rights reserved