Missing Children

Hypercom and the National Center for Missing & Exploited Children announced that Hypercom’s ‘ICE’ information and transaction platforms and ‘epicReceipts’ on-receipt advertising software application will be used to further the efforts to locate missing children. Consumers making credit or debit card purchases using ‘ICE’ devices with the ‘epicReceipts’ application will receive a high resolution printed receipt that carries an image of a missing child along with extensive personal details.

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HUDSON BAY ONLINE STATEMENTS

Symcor Inc. announced that it has
implemented online delivery of Hudson’s Bay Company’s customer bills.

Symcor was selected by Hudson’s Bay Company to create HTML versions of
its retail bills and transmit them to Canada Post’s epost service for
presentation to customers of The Bay and Zellers who have registered with
epost to receive their bills online.

The service is being delivered using Symcor’s advanced bill and statement
distribution platform that provides billing organizations with the ability to
send customer documents through any channel. This includes paper-based bills
delivered through traditional mail, as well as electronic versions of bills
for presentment at a company’s own website, or for presentment to major bill
consolidators such as eroute’s webdoxs or epost. The platform also delivers
full-fidelity electronic renditions of customer bills and statements to a
company’s internal representatives and third party intermediaries to
facilitate customer service. The solution is designed to accommodate future
delivery channels such as web-enabled cell phones.

Symcor’s customized solution provides Hudson’s Bay Company with the
ability to market to its customers through the electronic bill and generate
traffic to its retail websites. Messages and advertisements typically found in
the printed credit card statements of The Bay and Zellers can be replaced with
hyperlinks in the online bill that take customers directly to the retailers’
websites for additional product and service information. By applying specific
business rules and data modeling analytics, Symcor can also personalize bill
content for the retailers’ individual customers.

“Our main objectives in enhancing our web offerings are to maximize
choice and convenience for our customers, and to strengthen customer
relationships by providing customers with the information they want through
their preferred delivery channel,” said Stephen Knight, Vice-President, Credit
Services, Hudson’s Bay Company.

“Most billers anticipate that online bill presentment will reduce
production costs for billing organizations,” said Jon Hantho, Symcor’s
Customer Communication President. “In our experience, online bill presentment
will also result in better customer service, since customers can make account
inquiries by e-mail directly from their electronic bill, instead of placing a
call to the retailers’ call centres.”

About Symcor Inc.

Symcor Inc. is a North American leader in providing financial transaction
outsourcing services in two key business areas – Item Processing and Customer
Communication. Symcor provides individualized product and service solutions to
customers in the banking, mutual fund, insurance, retail, telecom and utility
sectors. Symcor’s services include cheque, payment processing, application and
Web development, and a full range of customer bill and statement advisory,
design and presentment capabilities. For more information, please visit
http://www.symcor.com.

About Hudson’s Bay Company

Hudson’s Bay Company, established in 1670, is Canada’s largest department
store retailer and oldest corporation. The Company provides Canadians with the
widest selection of goods and services available through retail channels that
include more than 500 stores led by the Bay and Zellers chains. Hudson’s Bay
Company is Canada’s fifth largest employer with 70,000 associates and has
operations in every province.

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PDA SMART CARDS

Gemplus announced it is showcasing a special smart card interface
accessory, based on GemCore technology, for Palm handheld computers, at
Cartes this week.

The Palm OS platform leads the worldwide handheld OS market with more than
17.5 million Palm OS based devices sold, including more than 14 million Palm
branded handhelds shipped since the introduction of the company’s first
handheld computer in 1996. GemCore based smart card interface has been
designed
to effectively address one of the handheld market’s key concerns: data
security. It brings an additional level of security through enhanced data
encryption and Gemplus have further developed its data beaming security within
the smart card infrastructure. Gemplus estimates that at least 10% of handheld
users are concerned about protecting their data.

In addition to the enhanced security features, smart card also opens up new
applications for Palm handheld users. These include logical and physical
access
control, ticketing functions and SIM card management. EMV-certified accessory
also enables e-wallet applications for mobile commerce.
In order for smart cards to live up to their promising potential, smart card
readers must be easy for consumers to access and use. In a momentous step for
the smart card industry, the challenge of building the infrastructure
necessary
for global smart card adoption is being addressed through collaboration
between
Gemplus and Palm, Inc.

“We have already made significant in roads into the PC and set-top box market.
Working with the leader in the handheld industry illustrates our strategic
move
to start targeting mobile devices, as we now have a smart card infrastructure
that is immediately deployable for the mobile device and handheld market.
There
are a number of opportunities for us to build our brand on new devices and
continue our growth into new markets,” commented Alexandre Lorenzi General
Manager Smart Card Interface Business Division, Gemplus.
“Palm believes Gemplus has a proven track record to address the growing need
for smart card security,” said Jean Marc Sarat, Senior Director of Corporate
Development at Palm, Inc. “Combining Palm handheld ease of use with smart card
security features is an exciting opportunity we will seize to open up new
areas
of applications for our customers.”

About Gemplus

GEMPLUS: the world’s number one provider of solutions empowered by Smart Cards
(Gartner Dataquest 2001, Frost & Sullivan 2001).
Gemplus helps its clients offer an exceptional range of portable, personalized
solutions that bring security and convenience to people’s lives. These include
mobile internet access, inter-operable banking facilities, e-commerce and a
wealth of other applications.
Gemplus is the only completely dedicated, truly global player in the Smart
Card
industry, with the largest R&D team, unrivalled experience, and an outstanding
track record of technological innovation.
Gemplus trades its shares on Euronext Paris S.A. First Market and on the
Nasdaq
Stock Market(TM) as GEMP in the form of ADSs. Its revenue in 2000 was 1.205
Billion Euros. It employs 7200 people in 37 countries throughout the world.
Gemplus: Your Passport to the Digital Age
http://www.gemplus.com.

About GemCore

The GemCore solution enables companies to develop in a flash best-of-breed and
low-cost universal smart card interfaces for high-volume use in a wide
range of
electronic devices that include keyboards, computers, set-top-boxes, personal
digital assistants, internet appliances, point-of-sales terminals and vending
machines.
GemCore customers benefit from Gemplus’ world-renowned technical
proficiency in
smart card integration as well as in computing and banking certification
processes. Main certifications already obtained by GemCore based devices
include EMV (Europay, MasterCard, Visa), Smart Visa Ready and Microsoft’WHQL
(Windows Hardware Quality Labs).

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PRISMA CEPS

Proton World announced that its Proton Prisma technology has successfully gone
through a series of technical tests that were designed to ensure international
interoperability of CEPS-based e-purse transactions.

The completion of these tests demonstrates that CEPS are robust, reliable and
ready for implementation by issuers and acquirers on an international basis.
The Proton Prisma technology is also used by Proton World in the Ducato pilot
project.

CEPS were published in 1999 by a group of leading smart card industry players
to provide a global standard for e-purse interoperability. Following
publication, a number of tasks, such as the establishment of type approval
procedures and the upgrading of international networks, network simulators,
terminal and host specifications and issuing systems needed to be completed to
enable the implementation of CEPS-based systems. Card and terminal
manufacturers also needed to develop CEPS-based components that are
retro-compatible with existing e-purse technologies, to facilitate
migration to
CEPS-based systems.

In Ducato, Proton World’s Proton Prisma CEPS technology is used by Banksys and
Interpay. Both organisations also used C-ZAM/Smash terminals from Banksys for
CEPS load and payment transactions. The tests included the processing of
international Visa Cash transactions through VisaNet and Clip transactions
through EPSNet.

Proton Prisma can be implemented on mono-application or multiple-application
cards (combining EMV credit/debit, e-purse, PKI-based identification,
contactless transport ticketing etc.)

Visitors to Cartes 2001 will be able to see demonstrations of CEPS-based load
and purchase transactions performed at the stands of Banksys (A28), Europay
International (D44), Proton World (P44) and Visa International (F30).
Cartes 2001 thus marks the “coming-of-age” of CEPS: they are no longer mere
paper specifications: the demonstrations show that CEPS are robust and can be
successfully implemented on an international basis.

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DATCARD & MOBILEWAY

Datacard Group announced it has
initiated joint development and marketing activities with MobileWay, a leading
enabler of data delivery for mobile applications. As part of the new
relationship, the two companies intend to provide network operators, handset
manufacturers, banks, healthcare providers, retailers, government agencies and
other organizations with the ability to deliver applications and content to
wireless devices with anywhere/anytime flexibility.

The Datacard Affina Platform Management Architecture will allow
organizations working in the wireless realm to deliver content and add, block
or delete applications remotely.

The Affina system will also enable the construction of rich data files for
each
customer and every device in the field. Wireless solution providers can use
this information to drive product development efforts and provide consumers
with offers and solutions that are tailored to their preferences. The Affina
system’s robust security framework also provides essential building blocks for
m-commerce applications and mobile pre-payment solutions.
According to Martin Kearsley, managing director and senior vice president of
Datacard’s Solutions business, joint efforts with MobileWay strengthen
Datacard’s leadership position and provide its customers with exciting new
capabilities.

“As the recognized market leader, it is our responsibility to create new
market
opportunities for our customers and develop high-impact products for
consumers,” Kearsley said. “By adding a wireless channel to our Affina
platform
management architecture, we are anticipating market needs and providing both
consumer marketers and their customers with secure, high-performance products
that make life simpler, smoother and more convenient.”

“Solutions that emerge from the Datacard-MobileWay relationship will greatly
expand possibilities for Datacard’s customers within the arena of
multi-application smart card management,” Kearsley said.

“The new wireless channel provides a mobile solution in advance of emerging
2.5G and 3G technology,” Kearsley said. “By capitalizing on MobileWay’s
exclusive connections between the data gateways of the main mobile phone
networks around the world, Datacard is able to offer its customers the secure
application and content delivery through the Affina system.”

“We are delighted to be collaborating with Datacard. Integrating the strength
of two market leaders such as Datacard and MobileWay is certain to result in
important new products and capabilities for wireless solutions providers in a
variety of markets,” said Patrice Peyret, MobileWay’s chief executive officer.
“Integrating the management and tracking capabilities of Affina to our
solutions is a very powerful concept. We expect great things from this
relationship.”

Kearsley said market demand for the Affina platform management architecture is
strong, largely because of its open, flexible architecture and because of the
broad support it is receiving from smart card issuers and industry
associations.

“The Affina system supports a wide range of platforms, including Java
Card(TM),
MULTOS(TM), GlobalPlatform and Proton Prisma. It also supports multiple
delivery channels, of which mobile connectivity is just one,” Kearsley said.
“We believe we have created the industry’s premier platform management
architecture when we launched the Affina system. It is terrific to see market
leaders, such as MobileWay, confirm our beliefs.”

Datacard Group provides financial institutions, corporations, consumer
marketers, governments, schools, healthcare providers, service bureaus and
other enterprises with the software, systems and professional services they
need to build successful card programs. The company’s portfolio includes the
world’s best-selling smart card solutions and card issuance systems, as
well as
a complete line of digital identity systems. Consultative services include a
smart card security laboratory that serves the world’s leading smart card
issuers. DataCard Corporation, doing business as Datacard Group, is privately
held and based in Minnetonka, Minn. Datacard Group serves customers in more
than 200 countries (www.datacard.com).

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Upromise MasterCard

Citibank launched the ‘Citi Upromise Platinum Select MasterCard’ yesterday. In April, Citibank joined with several other top U.S. companies in the launch of the Upromise college savings program. Under the initial Citibank/Upromise deal, Citi set up a program to contribute 1% of purchases made on certain enrolled Citi credit cards for a $24.95 annual fee. Yesterday, Citi launched the new ‘Upromise MasterCard’ without an annual fee. Cardholders receive 1% of eligible purchases made on the card as college contributions into their Upromise account. Under the Upromise program, families can multiply Upromise college contributions by building their own savings network of parents, grandparents, aunts, uncles and friends, all directing their contributions to a child’s account. The Upromise service also offers the option of investing the contributions in a “529” college savings plan. (CF Library 4/25/01)

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CARD READER DEAL

Freestar Technologies, Inc. and Asia Pacific Micro
Inc., based in Oakland, California, announced the transfer to Freestar
of a cash deposit of US$900,000. The funds will be used to pay part of the
costs to produce 66,000 card readers, a key step in the implementation of the
Company’s PaySafeNow System. The card reader hardware units will be
distributed and resold to Freestar’s clients pursuant to existing contracts in
place.

The $900,000 sum was received in lieu of a larger debt owed to Freestar
Technologies’ CEO Paul Egan, who commented, “The magnitude and timing of this
payment will allow Freestar to substantially reduce our cash outlay in
purchasing the card readers.”

Using the Company’s proprietary PaySafeNow technology bundle, consumers
will have the ability to use debit and ATM cards with PIN codes to execute
cash transactions for online shopping in the same way as traditional credit
cards.

The solution bundles Freestar’s ETSS software with a secure card reader
that connects the consumer’s PC to the financial institution holding the
consumer’s banked funds. The reader is compatible with both magnetic-stripe
and smart-card technologies, and utilizes a secure numeric keypad to enter
PINs and passwords. This system creates two-factor authentication, which is
required for ATM/debit transactions.

The payment will enable Freestar Technologies to expedite the first phase
of its contract with Banco Nacional de Credito to distribute 30,000 PaySafeNow
units into the marketplace. The Pay Safe Now System with ETSS is endorsed and
certified by Banco Nacional de Credito, a division of the National Financial
Group (GFN), a principal financial institution in the Caribbean and Latin
American region.

About Freestar Technologies, Inc.

Freestar Technologies, Inc.’s Enhanced Transactional Secure Software
(“ETSS”), a proprietary software package that enables consumers to consummate
secure e-commerce transactions over the Internet using credit, debit, ATM
(with PIN) or smart cards. The ETSS system integrates a consumer-side
card-swipe terminal with a back-end host-processing center. It encrypts
sensitive financial data at the consumer’s personal computer, using powerful
DES encryption and algorithms. It sends an authorization number to the
e-commerce merchant, rather than the consumer’s credit card information, to
provide a maximum level of security. The Company plans to link several large,
established smart card systems together on an ETSS-based standard to achieve
economies of scale and further market penetration for this secure e-commerce
payment system. For more information visit the Web site of the Company’s
ePayLatina Division at
http://www.epaylatina.com.

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Advanta 3Q/01

Advanta reported Tuesday that third quarter net income for its business cards was $10.6 million, a 21% increase over the second quarter. Advanta ended the third quarter with managed business card receivables of $2.0 billion as compared to $1.9 billion at June 30, and $1.5 billion one year ago. Advanta says its margin improved during the quarter as a result of the favorable interest rate environment, which more than compensated for a slight decline in fee income and an anticipated increase in charge-offs. The over 30 day delinquency rate for 3Q was 5.92% compared to 4.32% for 3Q/00. Charge-offs soared from 4.83% to 7.90% over the same period. Overall, Advanta reported a net loss for the quarter of $41.7 million due its venture capital portfolio. The company is also embroiled in litigation with J.P. Morgan Chase over the sale of more than $1 billion in mortgage assets. Chase claims Advanta overstated the value. For complete details on Advanta’s 3Q/01 and previous performance please visit CardData ([www.carddata.com][1]).

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

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PAYWARE E-CMS

Trintech Group, a global provider of secure electronic payment infrastructure
solutions, announced that Magyar Takarek Bank, the parent organization of the
Hungarian Savings Co-operative Banks and a subsidiary of Germany’s DG Bank, is
deploying Trintech technology to power Hungary’s largest card issuing and
merchant acquiring system. MTB is utilizing PayWare eCMS, Trintech’s next
generation card issuing and merchant acquiring technology, to power a network
of 122 savings co-operative banks in the country.

MTB plans to roll out the card payment service to meet the demands of
Hungary’s
rapidly growing cards market. Credit card issuance in Hungary grew at a rate
of 87% in 2000, with 4.5 million cards in issue at the end of that year1.
PayWare eCMS provides MTB with a comprehensive card management solution
providing speed, flexibility and security for all steps of the card payment
process, from the issuing of a card through to settlement.

“Hungary is one of Europe’s fastest growing cards markets and we require next
generation systems to handle the increase in volume,” says Mr. Franz Otto,
managing director of MTB. “We chose to partner with Trintech because of their
proven ability to deploy secure and scalable card payment solutions that can
handle multiple merchants, card types and payment channels. We believe PayWare
eCMS will accelerate the adoption of card payments in this dynamic market.”

PayWare eCMS is comprised of two major modules, Issuer and Acquirer. PayWare
eCMS Issuer enables card issuers to set up and easily manage feature-rich card
programs for their targeted cardholders. PayWare eCMS Acquirer is a merchant
account handling and settlement solution allowing the bank to fully manage
their merchant acquiring services including account set-up, determination of
merchant account parameters and settlement of funds.

“It is imperative that card processors in emerging markets choose a technology
solution that can meet their current requirements while providing support for
their future payment needs,” says Trevor Healy, EVP of the ePayments Division
at Trintech. “MTB has demonstrated clear leadership in Hungary and the
country
is one of the most progressive and fast-moving in the world. PayWare eCMS has
the proven ability to provide MTB with all its card issuing and acquiring
requirements today with a clear migration path to new payment types and
channels, such as eCommerce and mCommerce.”

Built on powerful Unix-based relational database with a browser based
graphical
user interface, PayWare eCMS provides MTB with the ability to quickly and
easily create and modify credit, debit, private label and loyalty card
programs, enabling them to remain competitive in the dynamic Hungarian cards
market. In addition, the ability to create merchant accounts with flexible
business parameters allows MTB to offer a very competitive merchant acquiring
service to Hungary’s merchant population.

About PayWare eCMS

Multi-card and brand support – Issue a single card or several brands at the
same time. Each card can be set up with its own unique set of processing
parameters.

Multi-Issuer – Organize your card issuing as a single business unit or across
several business units. Each issuing unit can be set up with its own set of
unique business rules.

Multi-Currency Support – Each card in the system can be settled in the local
currency or in the local and reference currency. Payment to merchants can be
made either in the local or international currency.
Scalable Solution – Using a relational database with standardized structures
together with the ability to expand your base systems infrastructure as you
need to it, allows you to grow your card system as your processing and
business
needs grow.

Open Architecture – PayWare eCMS will run on any combination of standard
hardware, operating system and database management system.

Flexible Modular Architecture – PayWare eCMS is made up of multiple modules so
that you can design your card management system based on the functionality
that
you require for your business requirements.

End to end payment processing – Integrating with our payment gateway products
and virtual card issuing solution, Trintech provides an integrated suite of
solutions providing the infrastructure to your card processing requirements.
Future proof solution – PayWare eCMS provides support for chip enabled payment
processing and secure internet and mobile payments.

About Trintech

Founded in 1987, Trintech is a leading provider of secure electronic payment
infrastructure solutions for card-based transactions for physical world
commerce, eCommerce and mobile commerce. The company offers a complete
range of
payment software products for credit, debit, commercial and procurement card
applications, as well as being a world leader in the deployment of payment
solutions for Internet commerce that are fully SSL and SET? compliant.
Trintech’s range of scalable open systems architecture solutions for UNIX® and
Windows NT? platforms covers consumer, merchant and financial institution
requirements for physical payments and the emerging world of electronic
commerce. Trintech can be contacted in the U.S. at 2755 Campus Drive, San
Mateo, CA 94403 (Tel: 650-227-7000) and in Ireland at Trintech Building, South
County Business Park, Leopardstown, Dublin 18 (Tel: 353-1-207-4000). Trintech
can be reached on the Web at
http://www.trintech.com.

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Metris Shuffle

Metris Companies announced the opening of its new Duluth, Minn., operations center and its plans to close its location in Champaign, Ill. The company also announced it had completed the consolidation of its two Scottsdale, Ariz., facilities. “The opening of our new Duluth operations center, combined with the closing of Champaign and the consolidation in Arizona, creates many efficiencies for the business,” said Ronald N. Zebeck, Metris Chairman and CEO. “These strategic moves leave us well positioned to execute our business plans for 2002 and beyond.”

The new Duluth facility, which serves as a collections center, opened for training on September 17 and already employs approximately 90 collections representatives and management personnel. The company expects the number of positions at the facility to increase to approximately 200 in the coming year.

The Champaign location, which opened in 1998, housed a portion of the company’s information technology operations. The location’s 68 employees are being offered either relocation or severance packages, along with outplacement support, with a targeted closure date of March 1, 2002. These operations are being consolidated into the company’s facilities in Minnetonka, Minn., and Scottsdale, Ariz. Minnetonka is the location of the company’s headquarters. Scottsdale houses the company’s state-of-the-art data center, established in 2000.

In Scottsdale, approximately 150 employees were relocated over the past year from the company’s original location, opened in 1998, to Metris’ new western region headquarters, which opened in 2000. In addition to housing part of the company’s information technology operations, Metris’ Scottsdale facility employs approximately 500 collections, customer service, marketing, and credit risk representatives. The facility also serves as the headquarters of Direct Merchants Credit Card Bank, a wholly owned Metris subsidiary. Metris Companies Inc. is an information-based direct marketer of consumer credit products and enhancement services. The company was recognized in 2000 and 2001 as one of “America’s 100 Fastest-Growing Companies” by FORTUNE magazine. Based in Minnetonka, Minn., Metris also has operations in Scottsdale, Ariz.; Jacksonville, Fla.; Orlando, Fla.; Champaign, Ill.; White Marsh, Md.; Duluth, Minn.; and Tulsa, Okla. Metris employs approximately 4,500 people. Visit Metris on the Internet at [www.metriscompanies.com][1]

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

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VISIBLE US CARD

The Visible Results Gift Card, an innovative stored value card, has become
available to US firms through Visible Results USA, Inc., a subsidiary of New
Zealand-based Visible Results Group of Companies.

The Visible Results Gift Card is built around cutting-edge thermo-chromic
technology developed for Visible Results’ revolutionary GraphiCard loyalty
card
application. Unlike other gift cards, the Visible Results Gift Card
features an
actual display of its monetary value directly on the front. Each time a
recipient makes a purchase, the amount of the transaction is automatically
deducted from the total at the checkout counter. Cards may be re-used until
their value has been depleted. They may then be re-initialized through
payment
at the point of sale or returned to the retailer for cost-efficient
‘re-cycling’ and re-issue to new customers.

‘Clearly, Visible Results’ gift card offers an unmatched set of benefits to
retailers and consumers alike,’ said Gerald Lewis, the veteran retail and
consumer marketing consultant who earlier this year joined Visible Results
USA
as Chairman. ‘Unlike a traditional gift certificate, because the balance on
the
card is updated with every use, merchants need not give change to customers.
This ensures that the merchant who sold the card realizes its entire dollar
value, rather than just the value of the patron’s initial purchase. It also
increases the potential for repeat business and takes customer convenience
to a
higher level by enabling the retailer to communicate a different promotional
message to the customer each time the card is used.’

Lewis added that flexibility constitutes another key advantage of the
program:
The card has no pre-set limits or dollar value increments, unless retailers
desire them.
The Visible Results Gift Card is appropriate for all types of retail
companies,
as well as restaurants, hotels, airlines, and other operations aiming to
foster
customer loyalty while maximizing their profit-generating opportunities.

About Visible Results

Visible Results USA, Inc. is a subsidiary of the Auckland, New Zealand-based
Visible Results Group of Companies. Since its inception in 1997, the parent
company has emerged as one of the world’s leading customer relationship
firms,
serving a growing client base across convenience, fast food, fuels and the
general retail industry. The company established Visible Results USA and a
base
in the US through the February 2001 acquisition of GraphiCard Systems
International (GSI), Overland Park, KS. The purchase included the worldwide
intellectual property patents to the unique technology that underlies all
Visible Results GraphiCard ‘ programs. Visible Results USA established a
marketing office in New York City in May 2001, following the addition of Mr.
Lewis to its team.

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MerchantOnline.com Bankruptcy

MerchantOnline.com, Inc., a digital payment products and services provider for credit cards and debit cards, announced today that it has filed for voluntary petitions for reorganization under Chapter 11 of the U.S. Bankruptcy Code in the United States Bankruptcy Court in West Palm Beach, Florida.

Jim Degracia, CEO of MerchantOnline, stated that the company still has strong technology and a viable business model for its products and services. The volatile economic and public market conditions hampered the company’s efforts to raise equity capital to support its operations.

“We expect to be in a much stronger financial position going forward, with no debt and a much smaller cash requirement,” said Mr. Degracia. “With the growth in revenue projected from our contracts and pending contracts, combined with the continued reduction of costs, we will be on a faster path to profitability.

The demand for our Newcash technology provides a basis for future growth in a market that demands the next generation of secure transaction capabilities. The company is currently finalizing arrangements with sources of Debtor in Possession financing.

About MerchantOnline:

Founded in December 1997, MerchantOnline provides a secure transaction network that enables businesses and consumers to use one payment system for both their real world and virtual world needs, utilizing credit cards, ATM/debit cards and other payment programs. Except for historical matters, the matters in this press release are forward-looking statements and are made pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. The forward-looking statements reflect assumptions and involve risks and uncertainties, which might affect the Company’s business and prospects and cause actual results to differ materially from these forward-looking statements. Investors are cautioned that all forward-looking statements involve risk and uncertainties, including those risk and uncertainties detailed in the Company’s filings with the Securities and Exchange Commission.

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