Anthrax & Online Billing

Web site traffic data is showing no link between the recent anthrax scares and consumer adoption of electronic billing. Unique visitors to online billing sites, including American Express and Discover Financial Services, increased by an average of 2.8% during each of the last three weeks of October, compared to a 2.5% average weekly growth increase over the last three months. Jupiter Media Metrix says the difference is not statistically significant and should be expected as more consumers embrace online financial applications including online billing. Online bill payment is growing about 12% over 2000 levels. A recent Jupiter survey indicates 42% of consumers are most interested in viewing and paying their bills at online banking sites.

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Diebold Global Promotions

Diebold, Incorporated announced that Thomas R. D’Amico was promoted to senior vice president of global manufacturing and quality and Larry D. Ingram was named vice president of global procurement.

In his new position, D’Amico will be responsible for leading the manufacturing and quality operations, and implementing best practices within these functions around the world. D’Amico was previously vice president of manufacturing for North America. He will report directly to Wesley B. Vance, chief operating officer of Diebold.

In a related appointment, Ingram was named vice president of global procurement. In this position, which reports to D’Amico, Ingram will be responsible for Diebold’s procurement strategies on a global basis.

“Both Tom and Larry have done an outstanding job in their respective areas in implementing best-of-class manufacturing and procurement practices within the North America organization,” said Vance. “Consolidating the management focus of these functions will help optimize the company’s resources and supply chain while reducing costs on a global basis.”

Prior to joining Diebold, D’Amico was executive vice president of operations for the Overhead Door Corporation in Alliance, Ohio. He has also held management and manufacturing positions at various companies, including Procter and Gamble and Coopers & Lybrand. D’Amico received a bachelor’s degree in industrial engineering from Polytechnic University in Brooklyn, N.Y., and a bachelor’s degree in physics from St. John’s University in Queens, N.Y.

Ingram joined Diebold in 1985 and has held various executive management positions within the company. Before joining Diebold he held management positions at NCR Corporation. Ingram earned a bachelor’s degree in business administration from Western Kentucky University.

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 $1.7 billion in 2000 and is publicly traded on the New York Stock Exchange under the symbol ‘DBD.’ For more information, visit the company’s Web site at [http://www.diebold.com][1].

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

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Tidel Shareholder Suit

The following statement was issued Friday by the law firm of Stull, Stull & Brody:

Notice is hereby given that a class action lawsuit was filed on November 9, 2001, in the United States District Court for the Southern District of Texas, Houston Division on behalf of purchasers of the common stock of Tidel Technologies, Inc. (“Tidel”) (Nasdaq:ATMS) from between April 6, 2000 and February 8, 2001, inclusive (the “Class Period”) against defendants Tidel, James T. Rash, Mark K. Levenick, James L. Britton III and Jerrell G. Clay. The complaint alleges that defendants violated Sections 10(b) and 20(a) of the Securities Exchange Act of 1934, and Rule 10b-5 promulgated thereunder, by issuing a series of material misrepresentations to the market between April 6, 2000 and February 8, 2001, thereby artificially inflating the price of Tidel common stock. Specifically, the complaint alleges that, during the Class Period, Tidel falsely touted its sales of automated teller machines, or ATMs, at a “record” pace. These materially false and misleading statements allowed the Company to begin trading on the NASDAQ national trading system, which would have been impossible without the Company’s false and misleading statement and the consequent artificial inflation of the Company’s stock price. When Tidel finally disclosed that its largest customer’s orders would be at “substantially reduced levels for the quarter ending March 31, 2001,” Tidel’s stock price declined precipitously. The lawsuit alleges that Tidel knew during the time period but did not disclose that its largest customer was in the process of switching to a competitor and reducing orders.

Plaintiff seeks to recover damages on behalf of class members and is represented by, among others, the law firm of Stull, Stull & Brody. Stull, Stull & Brody has litigated many class actions for violations of securities laws in federal courts over the past 25 years and has obtained court approval of substantial settlements on numerous occasions.

If you bought the common stock of Tidel between April 6, 2000 and February 8, 2001, you may, no later than sixty days from October 31, 2001, request the Court appoint you as lead plaintiff in this action. A lead plaintiff is a representative party that acts on behalf of other class members in directing the litigation. In order to be appointed lead plaintiff, the Court must determine that the class member’s claim is typical of the claims of other class members, and that the class member will adequately represent the class. Under certain circumstances, one or more class members may together serve as “lead plaintiff.” Your ability to share in any recovery is not, however, affected by the decision whether or not to serve as a lead plaintiff. You may retain Stull, Stull & Brody, or other counsel of your choice, to serve as your counsel in this action.

If you wish to discuss this action or have any questions concerning this notice or your rights or interests with respect to these matters, please contact Tzivia Brody, Esq. at Stull, Stull & Brody by calling toll-free 1-800-337-4983, or by e-mail at SSBNY@aol.com, or by fax at 212/490-2022, or by writing to Stull, Stull & Brody, 6 East 45th Street, New York, NY 10017.

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SAS CORPORATE MASTERCARD

SAS Corporate Card is a
travel and payment concept for companies and their travellers. The card
includes MasterCard, ticketless travel and a travel account for purchasing
travel services at the travel agency. SAS Corporate Card is a new and unique,
complete solution for companies’ business travellers that will simplify
travelling and travel administration, as well as lowering the cost of business
travel.

The launch of SAS Corporate Card in November is aimed at companies
operating in
Sweden, Norway, Denmark and Finland. The concept is a wide-ranging and
flexible
solution for small and medium-sized companies. SAS Corporate Card will support
the travel administration process from order to payment, as well as following
up travel-related expenses. This means that the corporate customers’ direct
and
indirect costs can be lowered, irrespective of the choice of sales outlet and
supplier.

The company chooses where it wants to make its travel purchases, either
through
travel agencies or direct from SAS. Thanks to an integrated travel account and
MasterCard, SAS Corporate Card can collect all purchases in one place. This
enables the company to receive a single, shared invoice for all purchases.
According to independent studies, an invoice costs SEK 300-600 to administer,
and so SAS Corporate Card facilitates savings by reducing the number of
invoices.

SAS Corporate Card offers companies increased control over their
travel-related
costs by means of detailed and combined statistics covering all purchases, no
matter where these purchases were made. The customer can easily retrieve these
statistics from the Internet.

Through business partners within various sectors, SAS Corporate Card can offer
lower prices to its corporate customers. The following business offers are
currently included in SAS Corporate Card: Radisson SAS, Scandic Hotels,
Statoil, Avis, Hertz, Telia Access and Regus. In addition, SAS offers
favourable rates for flights within the framework of Travel Pass Corporate,
whose booking and flight function is integrated in SAS Corporate Card. The
payment platform is based on UATP.

SAS Corporate Card is a multi-function card which includes MasterCard for
making payments at more than 20 million places worldwide. The card also
operates as a flight ticket for Travel Pass Corporate and electronic tickets,
as well as replacing other cards such as existing charge cards, petrol cards,
telephone cards and car rental cards.

No matter which airline company, train or boat the customer chooses to travel
with, SAS Corporate Card operates as a total solution for the company.

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Eltron Printers Support XP

Eltron brand plastic card printers of Zebra Technologies Corporation support the new Windows XP operating system it was announced this week.

“The Eltron P Series printers are easy-to-use card printers for instant-issue plastic card applications,” stated Holly Sacks, Zebra marketing vice president for plastic card printers. “Our single-side printers are designed for use in applications to quickly produce personalized plastic cards in low-volume. Our family of printer products can suit the needs of a wide variety of users, from simple cards for membership and customer loyalty to sophisticated applications that provide high levels of access control and personal identification for high-security situations.” Cards produced on Eltron plastic card printers can incorporate digital pictures, hologram overlays, linear and two-dimensional bar codes, encoded magnetic stripes, and smart chips to support a multitude of personal identification and access control situations, noted Sacks.

The Microsoft Partner Pavilion will give people an opportunity to get a fuller appreciation of the latest in Eltron’s plastic card printing capabilities. The partner pavilion is an integral part of the overall Microsoft eXPerience at this year’s COMDEX. More than 200 manufacturers, system integrators and solution providers will demonstrate their latest products, services and solutions built on Microsoft Windows XP and the Microsoft .NET platform.

Zebra Technologies Corporation manufactures and distributes Zebra-brand on-demand thermal bar code label printers and Eltron(R)-brand instant-issuance plastic card printers used in automatic identification, personalization and security applications worldwide. The company, with an installed base of two million printers, also offers software and related supplies, including more than 1,000 label and ribbon combinations. Zebra’s customers include more than 70 percent of the FORTUNE 500. Information about Eltron brand card printer products can be found at [http://www.eltroncards.com][1] . Corporate information is available at [http://www.zebracorporation.com][2].

[1]: http://www.eltroncards.com/
[2]: http://www.zebracorporation.com/

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POINTS-PURCHASE TECHNOLOGY

SureFire Commerce Inc. announced that the company has begun processing VISA,
MasterCard and FirePay
Personal Accounts for the pointspurchase technology developed and managed by
points.com. The pointspurchase technology is used as the platform to operate
the buyAAmiles program launched by American Airlines and points.com earlier
this year. Points.com is currently finalizing agreements with several other
major airlines to use the pointspurchase technology to power similar programs.
In the first year of the agreement, pointspurchase transactions could
represent 2-3% of SureFire Commerce’s gross processing volume.

The pointspurchase technology allows consumers to reach the loyalty
rewards they want faster than ever before by buying the last remaining points
or miles needed. For example, the buyAAmiles(SM) program from American
Airlines (R) allows consumers to purchase up to 15,000 AAdvantage(R) miles per
calendar year.

SureFire Commerce offers its payments technology to allow consumers to
buy miles with VISA, MasterCard and the FirePay Personal Account, an
electronic payment account that consumers can securely fund from a variety of
sources and use to buy online without having to divulge sensitive credit card
information.

“SureFire Commerce is very excited about being able to penetrate another
important market with our online payments technology. American Airlines’
AAdvantage program targets 40 million members alone,” said Rory Olson,
President and CEO of SureFire Commerce. “We are constantly looking for and
finding outstanding opportunities for SureFire Payments. Deals like the one
with Points.com, which should generate approximately 2-3% of our transaction
processing volume, are an excellent way for SureFire Commerce to diversify its
revenue base.”

“This deal represents the second step of our relationship with SureFire
Commerce. We selected SureFire Commerce as our credit card partner due to the
turnkey approach of their service, which includes internet merchant accounts
in both Canadian and US currencies, robust electronic payment gateway, real-
time reporting tools, 24/7 tech support and built-in risk management” said Rob
MacLean, President of Points.com. MacLean added, “With the help of SureFire
Commerce’s technical support team, we were able to complete the integration of
their gateway into our pointpurchase platform in just a few days”

About Points.com

Points.com offers a unique loyalty program asset management system
including pointsxchange(TM) – the world’s first loyalty program currency
exchange. Points.com is not a loyalty program but rather is forging mutually
rewarding partnerships with the world’s leading loyalty programs to deliver a
unique and compelling value proposition. Pointspurchase(TM), Points.com’s
innovative technology product, facilitates the online sale of miles, points
and other currencies for leading loyalty programs including American Airlines.
Points.com, a partner company of Exclamation International Inc. (CDNX: XI) is
located at 134 Peter St., Suite 300, Toronto, ON M5V 2H2. More information is
available at
http://www.points.com.

About SureFire Commerce Inc.

SureFire Commerce Inc. is a global business-to-business provider of
online payment solutions and e-commerce support, processing over $1.2 billion
of online transactions annually. The company offers a diverse range of payment
solutions to both online and offline merchants with a leading market share in
the online gaming industry. The company has many strategic marketing
agreements with companies such as AOL Canada, Canadian Imperial Bank of
Commerce (CIBC), Infopia, Intuit Canada, InQuent, Network Commerce, National
Bank of Canada, Points.com, RedBrigade and Webraska. SureFire Commerce is
headquartered in Montreal (Quebec) with offices in Hull (Quebec), Boston
(Massachusetts) and London (England).

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INTL PAYMENT OPTIONS

Digital River, Inc. announced the expansion
of its international payment options. The new options offer Digital River’s
clients the ability to provide customers in the European marketplace preferred
payment alternatives such as invoicing, checks, wire transfers and bank direct
debits.

“It is a priority to meet the increased demands of a global market,” said Joel
Ronning, Digital River’s CEO. “As an e-commerce outsourcer, we work on behalf
of our clients to reduce the complexities involved in building international
e-businesses by handling not only back-end transactions, but also payment
processing options, product fulfillment, customer service and language
localization.”

Digital River’s extended payment options will allow the company and its
clients
to increase close ratios, generate incremental revenues and improve customer
service by tapping into European customer segments that do not traditionally
make credit card purchases. After a large Digital River software client added
wire transfers to one of its international e-commerce stores, 50 percent of
its
customers were selecting the new payment method. During a one-month period,
the
same store experienced a 45 percent increase in incremental revenues.
“Our clients continue to look to us to offer alternatives for conducting and
growing business in the anytime, anywhere e-commerce environment,” said Gary
Howorka, Digital River’s chief technology officer. “We remain committed to
adding the functionality our clients need to better service their customers.”

About Digital River

Founded in 1994, Digital River is a leading global e-commerce outsource
provider, offering more than 10,000 companies complete e-commerce systems and
services. The company’s world-class infrastructure and professional services
are proven to grow businesses quickly and profitably while reducing risk.
Digital River’s commerce services include e-commerce strategy, site
development
and hosting, order and transaction management, system integration, product
fulfillment and returns, e-marketing and customer service. Digital River’s
clients include Symantec, Fujitsu, 3M, Siemens, Nabisco, Polaris, Major League
Baseball, Novell, Autodesk, SONICblue, Adaptec and Staples.com. For more
details about Digital River, visit the corporate Web site at
www.digitalriver.com or call 952-253-1234.

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Bundled VAP Solution

With predicted loss of up to $1 billion in 2002, e-merchants are anxiously seeking solutions to online customer fraud. iShopSecure Inc., in a partnership with InfoSpace’s Authorize.Net, now offers merchants leading-edge fraud-prevention technology.

The new partnership marks a significant move to eliminate both online and offline fraud by adopting a higher security standard based on real-time payer authentication.

By offering the Visa Payer Authentication service (Verified by Visa) and proprietary Transact-Secure(TM) as bundled server-based identification solutions, iShopSecure is able to offer both consumers piece of mind and merchants protection from fraud.

Joseph McDonnell, chairman and CEO of iShopSecure, said: “We’ve made huge steps to ensure that online forms of fraud cease to be a costly expense for business and consumers. We now offer Authorize.Net merchants our anti-fraud authentication solutions for all major credit card and eCheck purchases, secured by an insurance policy underwritten by Lloyd’s of London.” Visa Payer Authentication service empowers consumers to protect their Visa accounts from unauthorized use by limiting access via a personalized password. Consumers are prompted to enter a password, which is directly routed to their credit card Issuer, and compared against the password on file. This technology will significantly minimize both fraud and customer disputes — as only the cardholder and card issuer will know the customer’s password.

All non-VISA transactions are securely routed through Transact-Secure(TM), iShopSecure’s patent-pending server-based anti-fraud solution. Here’s how Transact-Secure(TM) works: Dollar transactions in the $20-$500 range are authenticated via Tier 1 authentication, which require the consumer’s name, address and last four digits of their Social Security Number for verification purposes.

Higher-dollar transactions, defined as $501-$5,000, are verified via the more comprehensive Tier 2 authentication, which require the input of customer’s name, address, SSN and answer a short credit file query.

iShopSecure’s products and services are dedicated to safeguarding consumers, credit card issuers, bankcard processors, telesales and Internet merchants, and is a leading provider of Verified by Visa technology solutions. For more information, please contact Diana de Lamadrid at 805/969-3744, or via e-mail, diana@christiecomm.com, or Joseph McDonnell at iShopSecure directly, 954/438-2711, or via e-mail, jmcdonnell@ishopsecure.com.

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AVAM NEXT GENERATION

RS2 Software Group announced the introduction of new software for
automatic voice authorization process (AVAM) to provide merchants rapid and
efficient response to card transaction approval request. The new software
has been developed in partnership with the Hungarian company Geomant, who
specialize in automated call center and telecom solutions.

AVAM complements RS2’s BankWORKS® card payment solutions and offers non-stop
automated handling of incoming merchant calls requesting voice
authorizations. As an integrated module it efficiently handles real-time IVR
management for bank acquiring operations and takes full advantage of the
latest communication and encryption techniques in conjunction with
BankWORKS® front-end communication message switch.

In the announcement Mr. Boris Vujicic, Director, RS2 Software Group said,
‘The new software offers major benefits to retailers, merchants, and also to
the banking industry, who benefit from manpower savings in the area of
manual voice request processing. Mr. Vujicic commented further, ‘We are
delighted to offer this new software to our existing and new customers who
will increase their ability to offer value-added services to their merchant
client base.’

In joining in the announcement Mr. Krisztian Hazi, Marketing and
Communications Manager at Geomant added, ‘Geomant is delighted to have
developed AVAM together with RS2 leading to improved workflows and
efficiencies in the transaction approval process, and is pleased that AVAM
has been selected by RS2 as part of their product range to improve services
to our mutual clients.’

Geomant Call Center Solutions

Geomant, headquartered in Budapest, Hungary develops, integrates and
supports a wide range of industry-leading software components for call
centers. Geomant employs professional engineers, consultants and
specialists, all of whom have broad experience in the Telecom industry.
Primary focus of Geomant products includes Interactive Voice Response (IVR)
applications, Computer Telephone Integration (CTI) applications and CRM
integrations. With a commitment to their clients and the philosophy of
providing global market service, Geomant has successfully delivered numerous
projects in Europe and the Middle East. By serving some of the leading
players in the telecommunications sector, financial institutions and major
governmental organizations Geomant has repeatedly demonstrated its skills,
competence, and gained customer satisfaction and respect.

For further information visit www.geomant.com

RS2 Software Group

RS2 Software Group is a global provider of business driven electronic
payment solutions and Internet services, consultancy and related services to
the banking and financial industry, service providers and retailers.

For more than 12 years, RS2 Software Group has been focused on
implementation of open architecture based payment systems for central
Issuing and Acquiring processing. RS2 clients have benefited from the group’
s full attention to all aspects in this specialized field of data
processing. The BankWORKS® product suite available from RS2 includes support
for online authorizations and message switching, ATM/POS networking,
merchant acquiring, card issuing, domestic and international clearing,
including full multi-currency facilities for cross-border business
activities.

RS2 Software Group lists major financial institutions as its clients.
BankWORKS® products are installed at over 80 locations in more than 30
countries in Europe, Middle East, Africa, the Americas and Asia. RS2
Software Group companies have offices in Germany, Malta, Hungary, America,
Egypt, Lebanon and Hong Kong.

Please find further information at www.rs2.com

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MAXCash Card

Lodi, CA-based PayStar Corporation has signed an agreement with Worldwide Marketing Solutions to launch the PayStar ‘MAXCash’ prepaid debit card. The new card is a stored value card product incorporating debit point of sale purchase capability, ATM cash access, as well as money transfer features. For example, parents can have two cards allowing them to transfer money from card to card, almost like an electronic allowance. PayStar merchants earn a commission for the initial ‘MAXCash’ sale and will continue earning residual income each time the card is used as an ATM card, point-of-sale purchase or card-to- card transfer. PayStar is also offering co-branded opportunities to select merchants.

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OFFER ZONE

Amex Bank of Canada announced the
launch of Offer Zone, its first all-Canadian online merchant marketplace that
gives Cardmembers access to dozens of national and local merchant promotions
designed exclusively for them.

Bell Canada, Chateau Mont Ste-Anne, IBM, Lobster Direct, Mastermind Toys,
Safeway and Sport Mart are among the first partners to be approved for Offer
Zone. Promotions are posted on
http://www.americanexpress.ca/offerzone
and
can be
redeemed online through links to merchants’ websites or offline by printing
paper coupons for use at retail locations. There is no limit on the number of
times Cardmembers can take advantage of offers.

Customers can choose from a wide variety of products and services
including retail offers, dining and entertainment, travel and equipment for
home offices. Offers range from discounts, free passes and complimentary gifts
to product upgrades and free shipping and handling.

“Offer Zone enhances our competitive advantage on the Internet,” says
Peter Orrell, Vice President of Merchant Services, American Express.
“Cardmembers get unique and valuable offers all in one place, with great new
deals posted every month. And our merchant partners get a direct and no-cost
way to build relationships with high spending and Internet savvy Cardmembers.”

Rick Newell, Head of Online Operations for Mastermind Toys, says, “We’re
pleased to be among the first to participate in Offer Zone. We continue to
look for new ways to grow online sales and Offer Zone is an ideal way for us
to expand our reach. Plus we know from experience that online offers encourage
greater customer loyalty and believe this concept will help build stronger e-
shopping behaviour among Canadians.”

While new to Canada, Offer Zone has been a big success for Amex in the
United States, where it has been directly responsible for a 10% lift in
Cardmember spending. It has also helped build repeat business for
participating merchants, with more than 80% of Offer Zone customers continuing
to spend regularly after their first experience.

Orrell says that online shopping among Canadian Cardmembers is on the
rise. “Customers are comfortable shopping with Amex because they trust in the
brand.” He adds the Company’s fraud protection guarantee means Cardmembers are
not held responsible for unauthorized charges.

American Express in Canada operates as Amex Bank of Canada and Amex
Canada Inc. Both are wholly-owned subsidiaries of the New York based American
Express Travel Related Services Company, Inc., the largest operating unit of
American Express Company, which provides a range of financial and travel
related services for consumers and companies. Amex Bank of Canada is the
issuer of American Express Cards in Canada. Amex Canada Inc. operates the
Travel Service Network, Corporate Travel and Travellers Cheque divisions in
Canada. Amex opened its first offices in Toronto and Hamilton in 1853 and now
employs 3,700 Canadians coast to coast.

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Smarter SmarTrip

In the wake of the recent terrorist attacks, the Washington, D.C. contactless ‘SmarTrip’ transit card is adding a security application for employee identification and building access. Under the new security system, WMATA’s treasury employees will be issued individualized ‘SmarTrip’ cards that contain employee-related information. The new security function is one of several potential uses that can reside on the ‘SmarTrip’ card, which 200,000 commuters in the nation’s capital use to pay their Metrorail fares, parking fees, and soon bus fares throughout the Washington, D.C.-Baltimore corridor. Cubic designed and developed the ‘GO CARD’ system, which is the core technology behind ‘SmarTrip’, the first contactless smart card system introduced by a major mass transit agency in the United States.

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