SUREFIRE ADVISORY COMMITTEE

SureFire Commerce Inc. (TSE:FIR), a leader in e-
commerce payment services, announced the creation of its advisory
committee, comprising international experts in gaming and electronic payments,
to further strengthen the company’s business development team. The primary
responsibility for the committee will be to assist the company in completing
new partnerships and alliances in the areas of gaming and electronic payments.

Rory Olson, President and CEO of SureFire Commerce, has announced the
following members to SureFire’s Advisory Committee: Robert McMonigle, former
Executive Vice-President, Sales of International Game Technology (NYSE: IGT);
Frank Catania, ex-chair of the International Association of Gaming Regulators;
Charles Crawford, a renowned expert in the online payment processing industry;
Steve Shaper, former CEO of TeleCheck International Inc.; and Mitchell Garber,
SureFire Commerce’s Executive Vice-President of Business Development, who will
chair the committee.

“One of the first mandates for SureFire’s Advisory Committee is to
increase revenues through deeper penetration of the land-based gaming
industry, and participation in this industry’s online transition. The
international land-based gaming industry is valued as a multi-billion-dollar
industry that is currently seeing several of the biggest names announce their
intention to pursue online business activities,” said Olson. “Our advisory
committee members are an invaluable asset to SureFire Commerce. They bring
with them a world of contacts and expertise in fraud and risk management,
gaming, and payment processing.”

SUREFIRE COMMERCE’S ADVISORY COMMITTEE MEMBERS BIOGRAPHIES

ROBERT MCMONIGLE

Mr. McMonigle is former Executive Vice-President, Sales of International
Game Technology (NYSE: IGT), one of the world’s largest gaming equipment
manufacturers. He is currently President of McMonigle and Partners, a gaming
consultancy firm in Las Vegas.

During his 15-year tenure at IGT, for which he continues to consult, Mr.
McMonigle held a variety of executive positions in sales and business
development and was responsible for negotiating contracts with hundreds of
major casinos in licensed jurisdictions worldwide. In his capacity as
Executive Vice-President of IGT, Mr. McMonigle oversaw the sales and service
offices in the United States, Australia, Canada, Japan, Europe, Latin America,
and South America. Mr. McMonigle is currently President of the Association of
Gaming Equipment manufacturers, and is an associate member of IAGA
(International Association of Gaming Attorneys). Mr. McMonigle is a graduate
of Southeast Missouri State University with a bachelor’s Degree in Business
Administration.

FRANK CATANIA

Mr. Catania is an attorney, and a principal in Catania Consulting Group,
Inc. of New Jersey, a consulting firm with extensive experience in gaming
issues. He has particular expertise in compliance. A former Deputy Speaker of
the New Jersey General Assembly, he actively develops and directs the
implementation of lobbying, issues management, media relations, community
affairs, and government advocacy programs for all clients.

Mr. Catania is a former Director of the New Jersey Division of Gaming
Enforcement (DGE), the regulatory and enforcement agency responsible for
maintaining integrity and trust in all Atlantic City gaming operations. As
division director, Mr. Catania was a driving force in updating the New Jersey
Casino Control Act.

Mr. Catania served as the chair and vice-chair of the International
Association of Gaming Regulators (IAGR) and was a co-founder and past chairman
of the Forum of American Casino Regulators (FACR). Prior to accepting former
New Jersey Governor Whitman’s appointment as Director of the DGE, he served in
the New Jersey General Assembly as Deputy Speaker. As a key member of the
general assembly’s leadership, Mr. Catania authored several key pieces of
legislation that were signed into law, including legislation that reduced the
state sales tax from 7% to 6%. Mr. Catania is a graduate of Rutgers College
and received his JD from Seton Hall University Law School.

CHARLES CRAWFORD

Mr. Crawford, a renowned expert in the online payment processing and
prepaid value card industries, is former Executive Vice-President of Internet
Billing Company, one of the world’s largest processors of merchant Internet
payments. While with iBill, Mr. Crawford focused in the areas of strategic
planning, merchant underwriting and risk management, bank and industry
relations, and business development.

Previously, he was CFO and later CEO of Electronic Card Systems, Inc. in
Los Angeles, a pioneer in the processing of Internet commerce credit card
payments. That group of companies was on the Inc. Magazine 500 Fastest Growing
Private Companies list for four straight years. Mr. Crawford worked for many
years as a management consultant, preparing companies for financing and
commercialization of their technologies.

Mr. Crawford is a well-known speaker and writer within the credit card
industry and serves on the Education Committee and International Acquiring
Committee of the Electronic Transactions Association. He graduated from the
University of Nevada with a degree in political science.

STEVE SHAPER

Mr. Shaper, also a member of SureFire Commerce’s Board of Directors, is
the former CEO of TeleCheck International Inc., a wholly owned subsidiary of
First Data Corp. (NYSE: FDC), a leading provider of cheque acceptance,
electronic payments, and collection services. While at TeleCheck, the company
grew from a regional organization to an international corporation of almost
half a billion dollars in revenue.

Mr. Shaper held numerous other senior management positions during his 13
years at TeleCheck, including COO and President of Sales and Services. Under
Mr. Shaper’s leadership, TeleCheck also became a world leader in risk
management, and developed a significant market share in the land-based gaming
world. Mr. Shaper holds a Bachelor of Science degree from Rice University and
an MBA from Harvard in Production. He recently completed a term on Rice
University’s Board of Governors. Mr. Shaper currently serves on numerous
corporate boards and is active in church and civic organizations.

MITCHELL GARBER

Mr. Garber is an attorney and is the Executive Vice-President of SureFire
Commerce in charge of Business Development. From 1991-1999 Mr. Garber was a
private practice attorney specializing in Gaming Law and represented land-
based licensed casinos and gaming equipment manufacturers, including IGT,
Anchor Gaming, Trump Properties, Casino Windsor (a joint venture then of
Caesars, Circus-Circus, and Hilton), Harrah’s, Bally’s, MGM, and numerous
others in areas ranging from casino debt collection, licensing, and
compliance, to new casino development.

Mr. Garber has been published frequently on the subject of Internet
gaming and is a well-known speaker on the topic as well. He is a member of the
Editorial Board of the Gaming Law Review, and an active member of the
International Association of Gaming Attorneys. Mr. Garber was principally
involved in starting the credit card processing business that is now the core
business of SureFire Commerce, and is responsible with his business
development team for the payment deals at SureFire Commerce since its
inception, including CIBC, points.com, Intuit, Network Commerce, and others,
as well as a number of Internet gaming processing deals that have put SureFire
Commerce in a leadership position in that area. Mr. Garber has a bachelor’s
degree from McGill University and a Law degree from the University of Ottawa.

ABOUT SUREFIRE COMMERCE

SureFire Commerce Inc. (TSE: FIR) is a global provider of secure online
payment solutions and e-commerce support, processing over $1.2 billion of
online transactions annually. The company specializes in payment solutions in
three core areas: Internet payment processing for online businesses and
licensed Internet gaming companies, bill presentment and payment processing
for physical businesses, and corporate b_lling solutions. SureFire Commerce’s
online payment solutions are marketed to consumers and merchants through
strategic partnership agreements with companies that have significant brand
recognition and distribution channels. SureFire Commerce is headquartered in
Montreal, Quebec, with offices in Hull, Quebec, and London, England.

Details

Paybyweb Web Cam

Paybyweb.com, one of the Nation’s leading providers of online payments, began broadcasting its operations over the Internet. Visitors to Paybyweb.com can watch the Sales and Marketing, I.T., and Check Processing departments with the click of a mouse. Cameras feed live video of Paybyweb via the company’s website at [http://www.paybyweb.com][1].

“We have seen a growing trend towards companies putting up websites that offer merchant accounts and credit card processing, while providing little in the way of customer service or support,” said David Weiss, Paybyweb.com President and Chief Executive Officer. “More often than not, these companies don’t process their ‘clients’ payments and can take days to respond to inquiries. We are turning back time by answering our phones, promptly responding to emails, and putting the word `SERVICE’ back in Customer Service. In these days of automated e-mail replies that have replaced personal contact, Paybyweb.com has invested in technology that allows our clients to interact with us and actually see us working for them.”

About Paybyweb, Inc.

Paybyweb, Inc., based in Tampa Bay, Florida, has been a provider of secure electronic transactions since 1992, which makes them one of the most experienced players in the industry. They currently offer; merchant accounts, third party credit card processing, transaction gateway, EFT’s, pre-authorized draft printing, site design, hosting, and live bank verification. Businesses using the services offered by Paybyweb.com, can take orders by phone, fax, or over the Internet. Paybyweb.com processes payments for some of the Country’s largest companies, including AAA Motor Club, Nightingale Conant, Herbalife, and Investor’s Business Daily.

[1]: http://www.paybyweb.com/

Details

NAVY MASTERCARD

MasterCard International and Banco Edwards del
Banco de Chile announced that the Chilean Naval training ship Buque
Esquela Esmeralda successfully utilized MasterCard Corporate cards issued in
Santiago, Chile to finance their seven-month voyage through the Asia/ Pacific
region. The ship’s officers accessed funds in various ports in Peru, Mexico,
Japan, Korea, People’s Republic of China (PRC), Australia, Hawaii and New
Zealand.

“We are pleased to be able to assist the Chilean Navy, and this is a great
example of how government and corporations can use MasterCard’s Corporate and
Purchasing programs to their advantage. Payment utility across all markets was
a key factor for the Emeralda’s voyage through the Asia/ Pacific region.
MasterCard is the ideal organization to work with as the MasterCard Card® is
the world’s most accepted payment card, with over 22 million acceptance
locations,” commented MaryKay Gaines, Vice President Corporate Payment
Solutions for MasterCard International Latin America and the Caribbean Region.

“In recent studies conducted by MasterCard, corporate cards have been shown to
help corporations increase their efficiency by providing them better control
over their expense reporting and cash flow management,” she added.

In the past, the Esmeralda had to operate as its own bank. The MasterCard
Corporate cards issued to the naval ship’s top officers enabled them to access
funds at various ports to pay wages and payroll for the crew as well as
purchasing supplies, fuel and other requirements during the journey.

Lieutenant Commander Ian Carlo Ceppi said, “It was so easy to use and access
money when we needed it. It was a great advantage for us and the crew was
happy
to be able to use their cards and spend their money.”

The benefits of traveling with a corporate card include the convenience of not
having to carry large sums of cash, safe and accurate transactions when making
withdrawals at merchant locations or ATMs and transparent reporting that saves
both time and money. MasterCard International has a wide assortment of
corporate payment solutions that can easily be adapted to meet the needs of
both corporations and the public sector.

About MasterCard International

MasterCard International has a comprehensive portfolio of well-known, widely
accepted payment brands including MasterCard, Cirrus and Maestro. More than
1.7
billion MasterCard, Cirrus and Maestro logos are present on credit, charge and
debit cards in circulation today. An association comprised of more than 20,000
member financial institutions, MasterCard serves consumers and businesses,
both
large and small, in 210 countries and territories. MasterCard is a leader in
quality and innovation, offering a wide range of payment solutions in the
virtual and traditional worlds. MasterCard’s award-winning Priceless
advertising
campaign is now seen in 80 countries and in 40 languages, giving the
MasterCard
brand a truly global reach and scope. With more than 22 million acceptance
locations, no card is accepted in more places and by more merchants than the
MasterCard Card. At Sept. 30, 2001, gross annual dollar volume exceeded US$704
billion.

Details

Target School Fundraising

Target Stores has named 100 schools from across the country to receive a total of $500,000 in grants. Target will award $5,000 grants to what it has dubbed the “Target Honor Roll 100,” the 100 schools that have raised the most money per enrolled student in the Target School Fundraising program during the fall of 2001.

Target will host representatives from all 100 schools at a special “Target Honor Roll 100” ceremony in Washington, D.C. on April 20. Award recipients will bring the grants back to their school to spend on anything the school may need. As a part of the Target School Fundraising program, the grant money may be spent at the discretion of each school.

With School Fundraising, families, friends and community members can designate the eligible K-12 school of their choice to receive an amount equal to one percent of their Target(R) Visa(R) and Target Guest Card(R) purchases* at Target Stores and on target.com. Target also donates 1/2 percent of all Target Visa Card purchases made everywhere else.

In addition, Target will donate more than $10 million to schools nationwide in March, bringing the total donations to America’s schools to more than $51 million since the program began in 1997. Currently, more than six million guests have selected a school to receive School Fundraising dollars, and more than 114,000 schools are enrolled in the program.

The School Fundraising program is part of the Take Charge of Education(TM) initiative, which also offers scholarships and grants. Target Guests can enroll their school by calling 1-800-316-6142, or by visiting the Target Stores Web site at target.com.

About Target Stores

Minneapolis-based Target Stores serves guests at 1,019 stores in 46 states nationwide by delivering today’s best retail trends at affordable prices. Whether visiting a Target store or shopping online at target.com, guests enjoy a fun and convenient shopping experience with access to thousands of unique and highly differentiated items. The largest division of Target Corporation (NYSE: TGT), Target Stores gives back more than $1 million a week to its local communities through grants and special programs. Since opening its first store in 1962, Target has partnered with nonprofit organizations, guests and team members to help meet community needs.

*The Target Guest Card(R) and Target Visa(R) Card are credit cards issued by Retailers National Bank, an affiliate of Target. Subject to credit approval. Subject to School Fundraising program rules.

The Target Honor Roll 100

School City State
— ABCS Little Canyon School Glendale AZ
— Desert Voices Oral Learning Center Phoenix AZ
— Laurent Clerc Elementary Tucson AZ
— Thomas J. Pappas School Phoenix AZ
— Aldea School Napa CA
— ACTS Christian School Merced CA
— Adventist Christian School Galt CA
— Chamberlains Acres School Hollister CA
— Fulton School Fresno CA
— Pinecrest Elementary Pinecrest CA
— Victress Bower School Norco CA
— Yosemite Park High School El Portal CA
— Columbine High School Littleton CO
— Loveland Center School Venice FL
— Munson Elementary School Milton FL
— The Victory School North Miami Beach FL
— Nevada SDA School Nevada IA
— Newman Catholic High School Mason City IA
— North Iowa Christian School Clear Lake IA
— Ottumwa Christian School Ottumwa IA
— Champaign SDA School Champaign IL
— Childs Voice School Elmhurst IL
— Downers Grove SDA Downers Grove IL
— Laureate Day School Des Plaines IL
— Progressive Path School McHenry IL
— Salina SDA School Salina KS
— Highland Presbyterian Louisville KY
Weekday
— Louisville Deaf Oral School Louisville KY
— Clonlara Private School Ann Arbor MI
— Copper Harbor School Copper Harbor MI
— Holy Trinity Lutheran School Wyoming MI
— Mount Pleasant SDA School Mount Pleasant MI
— Plymouth SDA School Plymouth MI
— St. Joseph School Port Huron MI

School City State
— Academy of Holy Angels Richfield MN
— Austin Pacelli High School Austin MN
— Birch Grove Elementary School Tofte MN
— Bush Memorial St. Paul MN
— Church of St. Andrew School Elk River MN
— Family of Christ Lutheran Baxter MN
— Groves Academy St. Louis Park MN
— Guardian Angels School Chaska MN
— Hanska Community School Hanska MN
— Heartland Christian Academy Bemidji MN
— Holland Elementary Minneapolis MN
— Immaculate Conception School Minneapolis MN
— King of Kings Lutheran School St. Paul MN
— Laura Baker School Northfield MN
— Learning Center for Children Minneapolis MN
— Marquette Elementary School Virginia MN
— Minnetonka Montessori School Excelsior MN
— Most Holy Trinity School St. Louis Park MN
— New Ulm Christian New Ulm MN
— Northern Voices School Roseville MN
— Our Lady of the Prairie School Belle Plaine MN
— Our Savior Lutheran School Excelsior MN
— Prairie Creek Community School Northfield MN
— Ronald McDonald House School Minneapolis MN
— Southwest Christian High Chaska MN
— St. Andrew School Fairfax MN
— St. Anne School Le Sueur MN
— St. Bartholomew School Wayzata MN
— St. Bernard School Cologne MN

The Target Honor Roll 100 – Cont.

School City State
— St. Dominic School Northfield MN
— St. Hubert School Chanhassen MN
— St. Isidore Elementary Owatonna MN
— St. Johns Lutheran School Chaska MN
— St. John the Baptist School Excelsior MN
— St. John the Baptist School New Brighton MN
— St. John The Baptist School Vermillion MN
— St. Josephs School Grand Rapids MN
— St. Joseph School Red Lake Falls MN
— St. Joseph School Waconia MN
— St. Marys School Alexandria MN
— St. Mary School New Trier MN
— St. Peter School Delano MN
— St. Philip School _ Litchfield MN
— Summit School Duluth MN
— Johnston School Hammond MT
— St. Columbkille School Papillion NE
— Parkview Elementary School Milltown NJ
— Princeton Child Development Princeton NJ
— Little Earth School Santa Fe NM
— Carson City Adventist School Carson City NV
— Our Lady of Black Rock School Buffalo NY
— Montessori Center Room Cincinnati OH
— Lake Preston High School Lake Preston SD
— Watertown Christian School Watertown SD
— Memphis Oral School for the Deaf Memphis TN
— Kiest Park Christian Academy Dallas TX
— The Center for Hearing Speech Houston TX
— Halls Crossing School Lake Powell UT
— St. Coletta Day School Milwaukee WI
— L. E. Mason Christian Academy Cheyenne WY
— Tuckahoe Elementary School Arlington VA
— Boxelder Elementary School Glenrock WY
— La Pointe Elementary La Pointe WI
— Madison Seventh Day Adventist Madison WI

Details

GEAC SALE

In a strategic
move to solidify Diebold’s existing customer base in Canada and build upon a
solid foundation of financial institution customers in the automated teller
machine industry, Diebold, Incorporated announced it has closed a deal to
purchase the ATM service business of Geac Canada Limited.

“This purchase will effectively expand our Canadian operations,” said John
M. Deignan, managing director of Diebold Company of Canada, Ltd. “We now have
a stronger presence in Western Canada, which complements our existing customer
base and enhances our service offerings for financial institutions.”

The acquisition provides Diebold with immediate inventory of parts,
technical documentation and trained personnel with the capability necessary to
serve its escalating customer base. By virtue of this acquisition, Diebold
will assume the role of premier service provider to North Shore Credit Union,
Squamish Credit Union, Surrey Metro Savings Credit Union, Vancouver City
Savings Credit Union and Westminster Savings Credit Union. In addition,
Diebold will service NCR-manufactured advanced-function and cash dispensing
terminals for the aforementioned customers. Diebold has hired all of the Geac
self-service personnel in Canada.

“As Geac continues with its corporate growth strategy, the company will
pursue opportunities that enable it to add intrinsic value to the entire
organization including customers, partners, employees and shareholders,”
declared Jim Handy, senior vice president, GES, North America. “By divesting
our bank machine teller maintenance business to Diebold we are focusing more
exclusively on providing our global customer base with the increased support,
service and technology developments core to their businesses. The customers
and employees affected will be given an opportunity to develop with a leader
in the self-service banking industry.”

About Geac Computer Corporation Limited

Geac Computer Corporation Limited (Toronto: GAC) headquartered in Markham,
Canada is a provider of mission critical software and systems solutions to
corporations around the world. Geac solutions include cross-industry
enterprise business applications for financial administration and human
resources functions, and enterprise resource planning applications for
manufacturing, distribution, and supply chain management. Geac also provides
industry applications to the real estate, restaurant, property, and
construction marketplaces, as well as a wide range of applications for
libraries, government administration and public safety agencies. Further
information is available on the World Wide Web at
http://www.geac.com , or
through e-mail at info@geac.com .

About Diebold, Incorporated

Diebold, Incorporated is a global leader in providing integrated self-
service delivery systems and services. Diebold employs more than 12,000
associates with representation in more than 80 countries worldwide and
headquarters in Canton, Ohio, USA. Diebold reported revenue of $1.76 billion
in 2001 and is publicly traded on the New York Stock Exchange under the symbol
‘DBD.’ For additional information on Diebold security, visit
http://www.dieboldcanada.com.

Details

Certegy Chairman

The board of directors of Certegy Inc., elected Lee A. Kennedy as chairman of the board of directors. Kennedy, 51, will also continue as president and chief executive officer.

“The election of Lee as chairman is part of the succession plan put in place when I agreed to serve as chairman for a one-year period following the spin-off from Equifax last year,” said Tom Chapman, chairman and CEO of Equifax. Chapman will continue to serve on the board until his term expires in May 2002.

“Lee and his team are focused on growth and maximizing shareholder value. I am most confident about the future of Certegy,” said Chapman.

“We deeply appreciate the contributions Tom has made to Certegy,” said Kennedy. “His dedication and vision have guided us since our inception and positioned us for continued success as a company.”

Certegy provides credit, debit and merchant card processing, e-banking, check risk management and check cashing services to over 6,000 financial institutions, 175,000 retailers and 140 million consumers worldwide. Headquartered in Alpharetta, Georgia, Certegy maintains a strong global presence with operations in the United States, Canada, United Kingdom, Ireland, France, Chile, Brazil, Australia and New Zealand.

As a leading payment services provider, Certegy offers a comprehensive range of transaction processing services, credit risk management solutions and integrated customer support programs which facilitate the exchange of business and consumer payments. Certegy employs over 6,100 associates in nine countries and generated $851 million in revenue in 2001. For more information on Certegy, please visit [http://www.certegy.com][1].

[1]: http://www.certegy.com/

Details

NCR LEADERSHIP

According to publicly disclosed results, NCR Corporation is again the
worldwide
leader in financial self-
service solutions as NCR’s Financial Self-Service revenue increased by 7
percent to $1.6 billion during 2001.

Additionally, for the second successive year, NCR shipped more than 50,000
automated teller machines and cash dispensers in 2001. This continued
success has been aided by the increased demand for self-checkout units that
incorporate cash dispensers.

The company made further advances in the rapidly growing Asia/Pacific
region, confirming its lead position with double-digit growth. In Europe, the
Middle East and Africa, NCR experienced attractive growth, aided by the
successful euro conversion and important deals in all key markets, and has
retained a substantial lead over its nearest rivals in this region.

“This is an important achievement in the face of difficult economic
conditions. NCR is the global leader because we bring a wealth of experience
and do not lose sight of individual customer requirements,” said Keith Taylor,
senior vice president of NCR’s Financial Solutions division. “We have been
able to stay ahead of the pack by focusing on our customers’ business needs,
enabling them to reduce costs, enhance customer loyalty and generate new
revenue streams. I am confident that we have the right solutions to meet the
changing market requirements going forward.”

NCR stresses offering its customers competitive advantage with innovative
functionality. Progress was made in the area of new functions during 2001.
For example, NCR recently shipped its 10,000th multifunction Personas 86 Self-
Service TouchPoint(TM), a machine that was designed with the future of self-
service in mind, enabling automated cash and check deposit.

A significant number of NCR customers have also benefited by migrating
from the traditional OS/2 operating system to NCR’s APTRA(TM) suite of self-
service software (currently based on Windows NT, though in September NCR
announced its intention to offer Microsoft(R) Windows(R) XP to its self-
service customers). With APTRA and Windows, NCR has developed such
transactions as check imaging and check cashing, personalized customer
services and advertising. The APTRA software family has also helped position
NCR as the global leader in providing multivendor self-service software
solutions.

About NCR Corporation

NCR Corporation (NYSE: NCR) is a leader in providing Relationship
Technology(TM) solutions to customers worldwide in the retail, financial,
communications, manufacturing, travel and transportation, and insurance
markets. NCR’s Relationship Technology solutions include privacy-enabled
Teradata(R) warehouses and customer relationship management (CRM)
applications, store automation and automated teller machines (ATMs). The
company’s business solutions are built on the foundation of its long-
established industry knowledge and consulting expertise, value-adding
software, global customer support services, a complete line of consumable and
media products, and leading edge hardware technology. NCR employs 31,400 in
over 100 countries, and is a component stock of the Standard & Poor’s 500
Index. More information about NCR and its solutions may be found at
http://www.ncr.com.

Details

Versatile Smart Trading Card

Versatile Card Technology, Inc. announces the first Smart Trading Cards™ that can be digitally signed by athletes. In conjunction with StatCard Entertainment, Inc. and Toys “R” Us, Versatile Card Technology is announcing the 700 store, rollout of xAction Skate, the ultimate in trading cards, combining the lucrative markets of video games and trading cards for the first time.

“Since we opened our international flagship store we have been fortunate enough to host some rather stellar events, from the launch of the X-box to an in-store appearance by Destiny’s Child,” said Wayne Yodzio, Vice President, World Manager, Toys “R” Us, Inc. “We are very pleased to continue that tradition with the launch of StatCard’s Smart Trading Cards. We truly feel as though this is a revolutionary concept, and we look forward to introducing the XAction Skate series in all of our U.S. Toys “R” Us stores next month.” Officially launched on January 28th in Times Square New York, the web based computer game employs advanced Microcontroller cards, sophisticated encryption, PC connected smartcard readers and a new key chain sized reader featuring a scrolling text LCD display.

“StatCard’s Smart Trading Cards are the ultimate incarnation of trading cards. We have created an entertainment experience that brings together both the digital and the physical world. For the first time, the consumer is truly given the power to have an active role in determining the value of their trading cards,” said Arthur Swanberg, CEO and President of StatCard. “We’re excited that the most influential toy company in the world, Toys “R” Us, has the foresight to recognize the potential of this new entertainment medium that StatCard has created.”

StatCard has brought to life skate boarding’s top 10 athletes (including Bucky Lasek, Bob Burnquist and Shaun White), allowing cardholders the chance to compete as their favorite athlete in single or multiplayer skate games, enter online skate tournaments, and earn rankings. Each trading card offers unique playing features; cardholders can also collect 30 XAction Skate Booster Cards that add new dimensions to the online experience. The cards, which incorporate programmable Microcontrollers, are connected to computers via a smartcard reader. Cardholders can also show off their point accumulations and successes with friends on a key chain-sized StatCard Mini-Reader that scans the data from their cards, creating the first truly interactive trading experience. In addition, while other trading cards can only be autographed, the StatCard can be digitally signed by athletes.

This means the collector not only has the fun of playing an autographed card online; he can authenticate the digital signature as well. Swanberg said that the project “… was the result of two years of product development and pilots which required close cooperation with VCT as suppler of the underlying smartcard products and StatCard Entertainment who developed the platform.”

Rome Jetté Vice President, Smartcards for VCT said, “From the beginning, I was impressed with the creativity and innovation of the StatCard team. This project has reinforced my conviction that the next wave of growth in the smartcard industry will be the result of card manufacturers committing to the task of empowering software and marketing orientated companies like StatCard.” Swanberg echoed this point saying, “VCT was chosen for this project because they had all the smartcard expertise we needed but were not themselves in the application development business. This gave us the confidence to share our smartcard related ideas and focus on the challenges of development.” Nick Cooney, President of VCT, sees the beginning of an industry trend, “With innovative ideas like using digital signatures to autograph Smart Trading Cards™, StatCard has shown that smartcards can be fun and in a way that only an entertainment company could. I think this product shows that the smartcard industry and it’s underlying technology, have matured to a point where we no longer will be looking to card manufacturers to dream up the next ‘killer application’.”

Retail pricing is set at $7.99 for each XAction Skate Smart Trading Card, while booster packs provide a trio of cards for $8.99. The main StatCard Reader is priced at $19.99. With StatCard Mini-Readers selling for $8.99.

About Toys “R” Us, Inc.

Toys “R” Us The world’s leading resource for kids, families and fun currently operates 1,607 Stores: 703 toy stores in the United States, 509 international toy stores, including franchise stores, 184 Kids “R” Us children’s clothing stores, 162 Babies “R” Us stores and 49 Imaginarium stores. Toysrus.com sells merchandise on its Internet sites at [http://www.toysrus.com][1], [http://www.babiesrus.com][2] and [http://www.imaginarium.com][3]

About StatCard Entertainment, Inc.

StatCard Entertainment, Inc. ([http://www.statcard.com][4]) is the first company to bring the application of smart card technology to the entertainment world. Smart Trading Cards, StatCard’s initial product that uses patent-pending smart card applications, offers consumers a fresh approach to entertainment by uniting the independently successful categories of interactive online entertainment, trading cards, and smart cards for the first time. StatCard Entertainment, Inc. is a privately held corporation based in Norwalk, Connecticut.

About Versatile Card Technology, Inc.

VCT is a global leader in card manufacturing. Visa and MasterCard certified, VCT produces over 800 million plastic cards a year through its production facilities in the USA, Europe, Asia, and South America. With card related products and services for that range from temporary membership cards to EMV certified smartcards and readers, VCT is a one-stop shop for software, integration, and marketing companies looking for card solutions. Contact: Versatile Card Technology, Inc. (VCT) 5200 Thatcher Rd. Downers Grove, Il. 60515 [http://www.vct.com][5]

[1]: http://www.toysrus.com/
[2]: http://www.babiesrus.com/
[3]: http://www.imaginarium.com/
[4]: http://www.statcard.com/
[5]: http://www.vct.com/

Details

HOME CAPITAL 4Q/01

Home Capital Group Inc. (TSE:HCG.B) announced the results of a year marked by
record earnings and key milestones
that widened the scope of its business activities and positioned the Company
for continuing growth going forward. These unaudited results were generated by
the Company’s wholly owned subsidiary, Home Trust Company.

– This represents the 26th consecutive quarter in which earnings have
exceeded those of the previous quarter.

– Return on equity over 20% for fourth consecutive year.

– In January 2002, 1.5 million Class ‘A’ multi-vote shares were
converted to the same number of single vote Class ‘B’ subordinated
voting shares without benefit or enhancement.

– Home Trust’s core residential first mortgage business remains strong.

– The Company is well positioned to continue its upward earnings
momentum in 2002.

Home Capital Group Inc. is a holding company, publicly traded on the
Toronto Stock Exchange (HCG.B), operating through its principal subsidiary,
Home Trust Company. Home Trust is a federally regulated trust company offering
deposit, mortgage lending, retail credit and credit card issuing services.
Licensed to conduct business across Canada, Home Trust has offices in Ontario,
Alberta and British Columbia.

HOME CAPITAL GROUP INC.

TO OUR SHAREHOLDERS

Record earnings achieved during 4th quarter and the year

Home Capital Group Inc. (TSE:HCG.b) has completed the most successful
fourth quarter and year in its history. The Company has met or exceeded each
of its previously stated annual performance targets. Even more important,
there is every reason to believe that the Company will maintain this positive
trend during 2002 through its wholly owned subsidiary, Home Trust Company.

26th consecutive quarter of increasing earnings

Net income for the fourth quarter grew by 37.6% to $4,113,585 from the
$2,990,255 recorded for the same period in 2000. Net earnings per share for
the quarter rose by 35.0% to $0.27 from the $0.20 for the previous year.

For the year, the Company realized net earnings of $14,859,569, up 42.2%
over the $10,451,634 achieved during 2000. Net earnings per share for the year
rose by 39.4% to $0.99 from $0.71. Fully diluted earnings per share rose 37.9%
from $0.66 to $0.91.

The Company greatly exceeded the targets announced in the 2000 Annual
Report, of at least 20% growth in earnings and in fully diluted earnings per
share for the 2001 fiscal year.

Return on equity over 20% for 4th consecutive year

Return on equity during the fourth quarter was 22.5% as compared to the
24.8% achieved one year earlier. This reduction resulted from the additional
$13,440,000 in equity raised in September 2001. For the year return on equity
increased to 23.8% from the 23.2% recorded in 2000.

This represents the fourth consecutive year in which return on equity has
exceeded 20%.

Asset growth over 27%

Assets grew to $1,121,214,975, an increase of 27.1% over the $881,924,852
at year-end 2000. In addition, the Company administers a portfolio of
mortgage-
backed securities originated and sold by Home Trust, which grew from
$12,422,409 at the year ended 2000 to $65,626,630 for the current year end and
is not reflected in the asset total.

Responsible risk management continues

Net impaired loans at the end of 2001 represented 0.52% of the total
portfolio, remaining the same as the third quarter of 2001, up from the 0.39%
recorded at year-end 2000.

The Company had also targeted an increase in its general allowance during
2001 so that it would represent at least 90 basis points of risk-weighted
assets at year-end. This provision stood at $5,517,376 at December 31, 2001,
representing 91 basis points of risk-weighted assets and an increase of
$1,368,245 from the amount at the end of the previous year.

General allowance included in tier 2 capital

During the quarter, the Office of the Superintendent of Financial
Institutions Canada (OSFI) authorized Home Trust to include a portion of the
Company’s general allowance in tier 2 capital. This approval from OSFI permits
the Company to include over $5 million of its general allowance as part of its
regulatory capital base.

At year-end, the Company’s tier 1 capital rose to $66.1 million from
$45.5 million reported at the end of 2000. Total capital rose to $86.4 million
from $60.5 million in 2000. Total capital ratio at year-end was 14.3% which is
significantly higher than the average of the six leading banks at 12.5%.

Continued success with mortgage-backed securities (MBS)

Mortgage securitization continues to represent a profitable and
sustainable segment of the Company’s business. During the fourth quarter the
Company issued a further $11.1 million in MBS pooling of residential
mortgages, generating $881,000 in revenue. During the year as a whole, the
Company issued $57.7 million in mortgage-backed securities, resulting in
revenues of $3.0 million.

Home Trust VISA focuses on secured credit card

The Company’s original strategy was to provide a credit card to the
underserved market, which would include both secured and unsecured products.
Through ongoing testing and behaviour analysis in the marketplace, Home Trust
has identified the consumer need for the secured product and is now focussing
on this product. There is a large opportunity to provide a service to
Canadians that are establishing or re-establishing their credit. As at
December 31, 2001 the number of cardholder accounts totaled 21,395 as compared
to 2,060 at the end of 2000. Receivables have grown to $11,404,992 from
$339,210 last year. With the VISA credit card portfolio continuing to mature,
we anticipate the VISA program will be profitable in 2002.

Progress in retail credit services

The Retail Credit Services division, formed during the second quarter of
2001, continued to grow through year-end. Designed to provide financing for
customers purchasing products from 20 established businesses, the division
ended 2001 with $3,260,671 in receivables. During the fourth quarter a
contract was signed with Creditwave to provide consumer financing for Staples
Business Depot. An agreement was also signed with Aeros Canada Inc.
(Electrolux). The Company is encouraged by the positive launch of this new
line of business and anticipates the division will make a measurable
contribution to earnings during 2002.

Quarterly dividend declared

The Board of Directors declared a quarter_y dividend of $0.025 per share
payable on March 1, 2002 to shareholders of record at the close of business on
February 14, 2002.

Share conversion announced

Subsequent to the end of the quarter, on January 25, 2002, Home Capital
announced a share conversion that reduced the number of the Company’s multi-
vote shares. The holders of the Company’s 3,025,000 convertible Class ‘A’
multi-vote shares have converted 1.5 million of the Class ‘A’ shares into the
same number of single-vote Class ‘B’ subordinated voting shares. The 1.5
million shares have been listed on the Toronto Stock Exchange.

This conversion increased the float of publicly traded Class ‘B’ shares
from 13,322,610 to 14,822,610 with no dilutive effect on the Company’s
earnings per share. Following this conversion, the remaining 1,525,000 Class
‘A’ shares will represent 7.6 million votes (34%) while the Class ‘B’ shares
will represent 14.8 million votes (64%). The Class ‘A’ shareholders have taken
this action without benefit or enhancement. They and the Board agreed that
reducing the number of multi-vote shares outstanding is in the best interests
of Home Capital and all of its shareholders by enhancing the liquidity of the
Class ‘B’ shares and placing voting control in the hands of the investing
public.

A positive business environment and outlook

The Company believes that the positive performance in the quarter under
review and the year is sustainable. There exists a strong demand in the
marketplace for national alternatives to the products offered by traditional
financial institutions. Home Trust has been successful in understanding and
meeting the needs of this large target market.

Canada is experiencing somewhat softer economic conditions, however we
have not seen any negative effects on the growth or profitability of the
Company to date. We remain vigilant and are confident that our well regarded
underwriting techniques and risk management procedures will continue to serve
us well in the future.

The Company is well positioned to continue its upward earnings momentum
and we are confident in our ability to continue generating value for all
shareholders during 2002.

Details

Concord 4Q/01

Concord EFS reported an 18% increase in revenue and a 36% gain in net income for the fourth quarter. Revenue was $473.6 million compared to $401.5 million in the fourth quarter of 2000. Net income was $89.8 million in the fourth quarter of 2001, compared to $65.9 million in the same period one year ago. Concord noted that revenue growth was slower in the fourth quarter due to lower average ticket size, but impact on profits was minimal because the vast majority of their transactions were priced on a fee basis rather than a percentage of ticket amount. Total transaction volume grew to 9.1 billion in 2001 from 8.0 billion in 2000, an increase of 14%. Network Services transaction volume grew 11% in 2001, while Payment Services transactions were up 19% for the year. Last month, Concord acquired H & F Services, an ISO, which added approximately 240 sales people to Concord’s sales force. For complete details on Concord’s 4Q/01 performance visit CardData ([www.carddata.com][1]).

[1]: http://www.carddata.com

Details

EURONET 4Q/01

Euronet Worldwide, Inc., a leading provider of secure electronic financial
transaction
solutions, announced consolidated revenues of $64.17 million for 2001, an
increase of 22% over 2000 revenues of $52.74 million. Revenue for the fourth
quarter of 2001 was $17.73 million, an increase of 28% over fourth-quarter
2000
revenues of $13.86 million.

Additionally, the Company posted positive operating income in the fourth
quarter 2001. The operating results improved from a $5.01 million loss in the
fourth quarter 2000 to $0.25 million operating income in the fourth quarter
2001.

The Network Services Division posted a strong performance with fourth-quarter
revenues of $14.52 million, up 43% over revenues of $10.14 million for the
same
period of 2000. This revenue represents a 21% increase over third-quarter 2001
revenues of $11.97 million and is the 27th consecutive quarter of revenue
growth for this division. Network Services revenues for 2001 were $49.13
million, an increase of 33% over 2000 revenues of $36.91 million. The Software
Division’s revenue of $3.21 million and $15.04 million, fourth-quarter and
year-end 2001 respectively, were in line with management’s expectations.
“2001 was a fantastic year for Euronet,” said Michael J. Brown, Euronet
Worldwide Chairman and CEO. “We achieved some major milestones and built a
strong foundation for future progress. The improvements we achieved in the
fourth quarter and throughout the year are testaments to the dedication of
every Euronet associate.”

Consolidated EBITDA improved by $17.36 million from negative $14.21 million in
2000 to positive $3.15 million for 2001. EBITDA for the fourth quarter of 2001
improved by $5.50 million from negative $2.69 million in the fourth quarter
2000 to positive $2.81 million for the fourth quarter 2001.

Consolidated EBITDA is computed by adding depreciation, amortization and asset
write-downs to operating income. Consequently, EBITDA excludes interest
income,
interest expense, net foreign exchange gain/(loss), taxes and extraordinary
items. Year 2000 EBITDA and operating loss amounts have been adjusted to
exclude non-recurring items of $10.8 million, consisting primarily of asset
write-downs of $12.0 million and a non-recurring gain of approximately $1.2
million, which was recorded as a component of direct operating costs.
“At Euronet, we are determined to build on the success we achieved in 2001,”
said Kendall Coyne, Euronet Worldwide CFO. “The Company’s continued attention
to improving the balance sheet has been an essential part of Euronet’s success
in 2001. We have already reduced long-term debt year on year by more than 50%
primarily as a result of debt-for-equity exchanges. We will continue to
strengthen our balance sheet by controlling expenditures, increasing revenue
and further reducing our debt.”

The Company reduced 12 3/8% debt from $77.19 million on December 31, 2000, to
$38.15 million on December 31, 2001, a reduction of $39.04 million.
Additionally, cash and cash equivalents increased from $7.15 million on
December 31, 2000, to $8.82 million on December 31, 2001, an increase of $1.67
million.

As of December 31, 2001, Euronet owned and/or operated a total of 2,999 ATMs,
compared to 2,634 ATMs at the year end 2000. Quarterly transactions on the
network increased by 26%, from 14.93 million in fourth quarter 2000 to 18.75
million in the fourth quarter 2001. Euronet owns and/or operates ATMs in
Hungary, Poland, Germany, Croatia, the Czech Republic, France, the U.K.,
Greece
and Egypt. These totals include approximately 531 ATMs in the United States
that were sold earlier this year in the Dash Network sale announced on Jan 4,
2002.

2001 FOURTH-QUARTER HIGHLIGHTS

The following are highlights of business developments at Euronet
Worldwide during the fourth quarter:

— Czech Republic’s largest bank will use ATM Recharge for replenishing
prepaid
mobile airtime

— Euronet implements a debit card system for Union Banka in the Czech
Republic

— Big Bank Gdanski expands its ATM outsourcing program in Poland with
Euronet

— Greece credit card processor selects Euronet’s full credit card software
suite

— Norway mobile operator is first to implement Euronet Mobile Recharge,
enabling mobile customers to add minutes to their prepaid accounts directly
from the mobile phone

— Euronet increases signed contracts for Electronic Recharge products,
reporting nine clients throughout Europe, serving more than 20 million
subscribers.

About Euronet Worldwide

Euronet Worldwide is an industry leader in providing secure electronic
financial transaction solutions. The Company offers financial payment
middleware, financial network gateways, outsourcing and consulting services to
financial institutions and mobile operators. These solutions enable their
customers to access personal financial information and perform secure
financial
transactions — any time, any place. The Company has processing centers
located
in the United States, Europe and Asia, and owns and operates the largest
independent ATM network in Europe. With corporate headquarters in Leawood,
Kansas, U.S.A., and European headquarters in Budapest, Hungary, Euronet serves
more than 200 clients in 60 countries. Visit the Company’s web site at
http://www.euronetworldwide.com

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