Safety and security of electronic payments is the fundamental promise that MasterCard delivers to our cardholders. MasterCard cardholders can feel confident they are protected by our zero liability policy which means they are not responsible for any fraudulent purchases. We always encourage cardholders to check their statements regularly and should any fraudulent activity occur, they should immediately contact the bank that issued the card. We continue to work with retailers to make electronic payments the safest way to pay. Chris McWilton, President, MasterCard North American Markets, speaks directly to consumers about what this means.