We may collect and store information about your visit to our Web site. To collect this information, our web server may write a "cookie," which is a small file, to your hard drive. We may use cookies to enhance your online experience, to facilitate your use of our Web site and to collect anonymous, aggregated site-visitation statistics which we can use to measure the effectiveness of, and to improve, not only our Web site but our products and services.

If you register for certain personalized services, or choose to save personal information on our Web site, such information may be stored in a cookie. This allows us to greet you by name the next time you visit our Web site. This also makes your repeated online interactions with us easier by allowing you to avoid re-entering your log-in or other information each time you visit our Web site.

The cookies also allow Enrique Cruz to monitor, on an anonymous, collective basis, information such as:

• The Internet service providers that our members and visitors use.

• The type of browsers, such as Microsoft Explorer or Netscape, that our customers and visitors use.

• The Internet Protocol addresses of our customers and visitors.

• The traffic on our Web pages, and the average time spent on each page.

• The number of first-time visitors and return customers to our Web site.

This information helps us monitor our Web site and ensures that it is accessible to customers and visitors. This information also helps us develop content and services that offer the best value and most benefits to our members and visitors.