EXHIBIT 3.18(c)

                               PHH CashCard, Inc.

                              ARTICLES OF AMENDMENT

            PHH CashCard, Inc., a Maryland Corporation, having its principal
office in Baltimore County, Maryland (hereinafter called the "Corporation"),
hereby certifies to the State Department of Assessments and Taxation of Maryland
that:

            FIRST: The charter of the Corporation is hereby amended by striking
out paragraph (1) of Article THIRD of the Articles of Incorporation in its
entirety, and substituting in lieu thereof the following:

                  (1) The operation and management of payment and cost control
systems for goods and services of all kinds and in particular for vehicle fuel
and maintenance.

            SECOND: The Board of Directors of the Corporation duly adopt
resolutions setting forth the foregoing amendment to the charter, declaring it
to be advisable and directing that it be submitted for action thereon at a
special meeting of the stockholders of the Corporation to be held on September
18, 1987.

            THIRD: Notice setting forth the said amendment of the charter and
stating that the purpose of the meeting of the stockholders would be to take
action thereon, was given as required by law, to all stockholders of the
Corporation entitled to vote thereon. The amendment of the charter of the
Corporation as hereinabove set forth was approved by the stockholders of the
Corporation at said meeting by the affirmation vote of more than two-thirds of
all the shares of the Common Stock of the Corporation outstanding and entitled
to vote thereon.

            FOURTH: The amendment of the charter of the Corporation as
hereinabove set forth has been duly advised by the Board of Directors and
approved by the stockholders of the Corporation.

            IN WITNESS WHEREOF, PHH CashCard, Inc. has caused these presents to
be signed in its name and on its behalf by its Vice President and its corporate
seal to be hereunto affixed and attested by its Assistant Secretary on September
18, 1987.

ATTEST:                                        PHH CashCard, Inc.

By /s/ Gordon W Priest Jr                      By /s/ [ILLEGIBLE]
  -------------------------                       ------------------------------
    Assistant Secretary                                 Vice President



Page Two

            THE UNDERSIGNED. Vice President of PHH CashCard, Inc., who executed
on behalf of said corporation the foregoing Articles of Amendment, of which this
certificate is made a part, hereby acknowledges in the name and on behalf of
said corporation, the foregoing Articles of Amendment to be the corporate act of
said corporation and further certifies that, to the best of his knowledge,
information and belief, the matters and facts set forth therein with respect to
the approval thereof are true in all material respects, under the penalties of
perjury.

                                                        /s/ [ILLEGIBLE]
                                                     -------------------------
                                                         Vice President

STATE DEPARTMENT OF ASSESSMENTS
        AND NOTIFY
   APPROVED FOR RECORD
   9/22/87 at 9:40 a.m.