TSYS 3Q/01

TSYS reported net income for the third quarter of $25.5 million a 33.5% increase over 3Q/00. Revenues for 3Q were $163.0 million, an increase of 9.4%, compared with revenues of $149.0 million for the same period in 2000. If TSYS had included the results of its Vital Processing Services joint venture with VISA, pro forma revenues for the third quarter would have been $207.5 million. TSYS also noted yesterday that transaction and authorization volumes dropped on Sept. 11th, and the following week, as most people stayed home with their families. However, in the weeks that followed, those processing volumes returned to normal levels as consumers resumed their daily activities. As of Sept 30, TSYS had 212.4 million accounts on file. For complete details on TSYS 3Q/01 performance visit CardData ([www.carddata.com][1]).

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


Household 3Q/01

Household International this morning reported the highest quarterly net income in the company’s 123-year history of $504 million, a 12% increase over 3Q/00. The company’s managed portfolio grew to $95.7 billion, up 15% from the prior year. VISA and MasterCard receivables as of Sept 30 were $17.3 billion compared to $17.0 billion one year ago. Private label card receivables logged in at $12.4 billion compared to $12.0 billion last year. Delinquency (60+ days) for bank credit cards hit 3.91% compared to 3.48% for 3Q/00. Private label card delinquency stood at 5.88% compared to 5.67% one year ago. Chargeoffs for VISA and MasterCard accounts for 3Q/01 were 6.75% compared to 5.23% last year. Chargeoffs for private label card accounts for 3Q/01 were 5.13% compared to 5.28% last year. The company’s managed net interest margin percent widened to 8.57% from 7.95% a year ago due to lower funding costs. For complete details on Household’s 3Q/01 results and past performance visit CardData ([www.carddata.com][1]).

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


OPC Signs 1000th Client

Official Payments Corporation ([www.officialpayments.com][1]) announced that the Mayor of Salt Lake County has approved the Selection Committee’s recommendation to hire Official Payments to provide the Treasurer with credit card services. This addition makes Salt Lake County the company’s 1,000th government client. The new payment systems will give Salt Lake County citizens the option of making their real estate tax payments by credit card over the Internet at [www.officialpayments.com][2] or by telephone at 800-2PAY-TAX. The systems are scheduled to go live November 1. The Treasurer’s collections from all sources (including borrowings) exceeded $1 billion in 1999. Official Payments is a leading provider of electronic payment options. The company has similar agreements with the Internal Revenue Service, 18 state governments, the District of Columbia, and over 900 local government entities to collect taxes, fees, and fines by credit card over Internet and telephone.

“Our citizens will now be able to make their real estate tax payments 24 hours a day, from the comfort of their home or office. This new payment option is part of our ongoing effort to bring the best possible service to county taxpayers,” said Larry Richardson, Salt Lake County Treasurer. “We chose Official Payments because their systems are proven, and security is of utmost importance to us,” Mr. Richardson added.

“We are pleased to add our 1,000th client, Salt Lake County, to our rapidly growing list of government partners,” said Thomas R. Evans, Chairman & CEO of Official Payments. “As more and more government entities discover the convenience and efficiency that electronic payments can provide, we are confident that others will follow the lead of governments like Salt Lake,” Mr. Evans added.

Official Payments charges taxpayers a convenience fee for processing these credit card transactions. The fee schedule can be found on the Internet at [http://www.officialpayments.com][3]. For example, a taxpayer who owed a current balance of $1,000 in real estate taxes and charged their taxes would find a total of $1,035 on their credit card statement: $1,000 for the tax bill and $35 for the convenience fee. American Expressr, MasterCardr, Discoverr and VISAr are the credit cards accepted by the program. Taxpayers using credit cards with bonus rewards programs can, depending on their card’s program, earn rewards, points, and cash- back on airline frequent flyer miles for paying their taxes.

About Official Payments Corporation

Official Payments Corporation (Nasdaq: OPAY) is the leading provider of electronic payment options to government entities. The company’s principal business is enabling consumers to pay their government taxes, fees, fines, and utility bills by credit card, via Internet and telephone. The company is unequaled in market penetration and national footprint. Official Payments has agreements to collect and process credit card payments with the Internal Revenue Service, 18 state governments, the District of Columbia, and over 900 county and municipal governments in 49 states across the United States. In 2000, Official Payments collected and processed over $925 million in federal, state and local government payments.

Official Payments was founded in the San Francisco Bay area in 1996. Thomas R. Evans, the former President & CEO of the Internet company GeoCities, became Chairman & CEO of Official Payments in the summer of 1999. Mr. Evans brought Official Payments public in November of 1999, raising $80 million in its IPO on the NASDAQ national market. The company’s success in new client acquisition, increasing business with its existing clients and in building consumer awareness can be attributed to the combination of an enormous market opportunity with a highly skilled and experienced management and staff, aggressive sales and marketing, and a core competency in developing and implementing leading-edge technical systems.

[1]: http://www.officialpayments.com/
[2]: http://www.officialpayments.com/
[3]: http://www.officialpayments.com/


CashLynk Payroll Cards

Lynk Systems, Inc., the technology and service leader in the payment systems industry, has successfully implemented CashLynk, its electronic payroll card, for Spartan Staffing, Inc. Spartan is one of the largest specialized providers of labor and light industrial supplemental workers in the Southeast. By switching from traditional payroll to CashLynk, Spartan will significantly improve efficiency by eliminating all the time and costs associated with issuing paper checks to 2,500 supplemental workers on a daily basis.

With the CashLynk system in place, Spartan will issue each worker a CashLynk card and load his or her payroll account on a daily basis. There is no cost for printing, mailing or delivering checks when the CashLynk card is used. And there are no lost or stolen checks to replace, or returned checks to reprocess.

“We are very pleased with Lynk and the ease of integration of its CashLynk card into our existing payroll software,” said Tim Dyn, CFO for Spartan. “We are already gaining a tremendous amount of efficiency in managing our payroll process. Furthermore, CashLynk gives Spartan a competitive edge. Many staffing companies do not provide an electronic payroll solution, so Spartan is able to attract workers without traditional bank accounts and give them the flexibility of the CashLynk card. Our workers are excited about our company offering electronic payroll distribution, thus eliminating check cashing companies and the associated fees.”

Spartan will use CashLynk to pay supplemental workers who are primarily heavy laborers in the construction, landscaping, maintenance and sanitation industries. In turn, each worker can take advantage of CashLynk’s flexibility to make debit card purchases, ATM withdrawals, and long distance calls with low rates and no hidden charges. They can also transfer funds to a checking or savings account, or to an associated CashLynk account for a family member.

About Spartan Staffing

Spartan Staffing, Inc. is one of the largest specialized providers of labor and light industrial temporary workers in the Southeastern United States. Spartan has the well-deserved reputation for providing quality personnel to meet critical client requirements on a timely basis.

Founded in 1986, Spartan Staffing, Inc. is headquartered in Tampa, Florida and currently has 38 branch locations throughout Florida, Georgia, and North and South Carolina. The company is structured into three divisions: (1) Workforce which provides heavy labor for construction, landscaping, maintenance, and sanitation jobs; (2) Spartan Staffing which specializes in light industrial positions for assembly, manufacturing, distribution, food processing, warehouse assignments, CDL drivers and clerical positions; and (3) CitrusForce Staffing which provides specialized labor for the Citrus industry.

About Lynk

Lynk is a proven leader in electronic payment, cash dispensing and e-commerce services. The company processes transactions initiated by credit and debit cards, checks, and other access cards from merchant point-of-sale terminals, ATMs and web sites. Lynk also provides related services such as the issuance of stored value cards that facilitate electronic funds distribution.

Lynk controls the entire processing sequence, including sales, merchant payment equipment, design and hosting of Internet store fronts, transaction authorization, capture, settlement and customer service. This “in-sourced” model facilitates a truly integrated single-source service that gives Lynk customers one-call support for all their processing needs. Lynk’s proprietary technology and comprehensive network connectivity offer customers of all sizes unsurpassed processing performance.

Founded in 1991, Lynk has received Visa’s Service Quality Performance Award, and has earned recognition as one of the fastest-growing companies in America by Inc. magazine and Deloitte & Touche. For more information, please visit the company’s web site at [http://www.lynksystems.com][1].

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


NAP 3Q/01

National Processing this morning reported net income for the third quarter of $15.0 million, up 16% over 3Q/00. Total merchant transactions processed were 897 million for the quarter, up 27% over comparable prior year amount. Merchant Card Services dollar volume processed was $39.6 billion. Revenue for Merchant Card Services increased to record levels of $105.6 million and $286.3 million for the quarter and nine months ended Sept 30, representing respective increases of 32% and 26% over the comparable prior year amounts. For complete details on NAP’s 3Q/01 results visit CardData ([www.carddata.com][1]).

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


Citibank 3Q/01

While Citigroup’s overall operating profits declined 8% during the third quarter due to the Sept 11th events, the credit card division posted very strong results despite flat charge volume. Citi reported this morning that its income for North American Cards rose 16% as revenues increased 22% and EOP receivables expanded by 8%. Citi says pricing initiatives and lower cost of funds for its credit card programs led to a 172 basis point increase in the net interest margin, which more than offset the impact of a 153 basis point increase in the net credit loss ratio. However charge volume was flat, as Citi captured $55.0 billion in transactions during the third quarter, compared to $55.6 billion for the prior quarter, and $55.2 billion for the year ago quarter. But net revenues for North America Cards hit nearly $3.4 billion compared to $2.7 billion last year. Third quarter credit card income for North America was $573 million compared to $492 million for 3Q/00. Receivables for the North America portfolio logged in at $104.7 billion compared to $97.0 billion for the year ago quarter. Delinquency (90+ days) was 1.82% for 3Q/01 compared to 1.34% for 3Q/00. Charge-offs were 5.48% compared to 3.95% for 3Q/00. At the end of September Citibank had 93.4 million card accounts. For complete details on Citi’s 3Q/01 results visit CardData ([www.carddata.com][1]).

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


Fujitsu CU Deal

Fujitsu Transaction Solutions Inc. announced it has teamed with The Credit Union 24 Network — a Tallahassee, Fla.-based, member-owned credit-union network — to offer the network’s participants discounts on Fujitsu cash dispensers and automated-teller machines, including the Series 8000, the first Microsoft Windows 2000-based, Web-enabled product installed at a North American financial institution.

The alliance gives Credit Union 24 network participants reduced prices — a guaranteed minimum 20 percent discount — on all Fujitsu ATMs and cash dispensers. In turn, Credit Union 24 and Fujitsu will collaboratively market Fujitsu products to Credit Union 24’s 385 members.

“We are constantly seeking opportunities to provide sophisticated and affordable solutions in the electronic funds-transfer arena for our network participants. Fujitsu offers powerful and proven technologies for our members,” said Jim Park, chief executive officer and president of Credit Union 24. Both companies also will provide links to each other’s Web sites, allowing quick access to product information for Credit Union 24 network participants. “The Credit Union 24 Network’s decision to partner with Fujitsu speaks to the known reliability of Fujitsu’s full-scale ATMs and cash dispensers,” said Neill F. Collins, Fujitsu’s vice president of financial systems sales.

“Credit Union 24 is a respected network of leading credit unions, and it is our privilege to serve their members,” said Collins. “This is a good fit for both companies.”

Credit union members of network participants have point-of-sale access available at many large retail chains, including Publix Super Markets Inc., Winn-Dixie Stores Inc., Wal-Mart Stores Inc., Sam’s Club and Food Lion LLC. The majority of network participants do not surcharge at their ATMs. The network was created in 1980 by four Central Florida credit unions to provide a cooperative environment for the implementation of effective electronic funds-transfer strategies.

About Credit Union 24

The Credit Union 24 Network is a member-owned, deposit-taking, full-service ATM/POS network that offers ancillary electronic payment system products and services. Credit Union 24 has 385 Network Participants located throughout 20 states, with 6.5 million cardholders and more than 7,200 ATMs located in 35 states, as well as Canada, Puerto Rico, Guam, Japan, Portugal and England. The Credit Union 24 Network was created in 1980 by four Central Florida credit unions to provide a cooperative environment for the implementation of effective EFT strategies. The founding members envisioned a flexible, totally shared, deposit-taking ATM network that would enable them to work together to compete favorably and affordably with other financial institutions and networks.

About Fujitsu Transaction Solutions Inc.

Fujitsu Transaction Solutions Inc., headquartered in Dallas, is a wholly owned subsidiary of Fujitsu Limited (TSE: 6702). The company provides strategic technology expertise to North American retailers and financial institutions. Fujitsu optimizes the customer’s technology lifecycle and reduces total cost of ownership with point-of-sale (POS) hardware and software, handheld devices and applications, Web-enabled automated-teller-machines (ATMs) and managed services. Fujitsu offers world-class customer-service support, call centers, product staging/integration and rapid-response roll-outs. It serves customers such as Allfirst Financial, Albertsons, Recreational Equipment Inc., Safeway and Staples, among others. Web site: [www.ftxs.fujitsu.com][1].

[1]: http://www.ftxs.fujitsu.com/



TD Canada Trust and
CashEdge Inc. announced the signing of an agreement which will provide a
comprehensive financial account aggregation service to TD Canada Trust’s
Internet banking customers. The aggregation service will be piloted early next

The service will provide TD Canada Trust customers secure, one-stop access to
their on-line banking and investment accounts at different institutions,
including chequing, savings, brokerage and credit card accounts.
Sanjeev Dheer, CEO of CashEdge, stated, “Using our aggregation technology, TD
Canada Trust will provide its customers with the convenience of having their
on-line financial information in one place so they can easily see a summary of
their individual accounts and financial status,” said Sanjeev Dheer, chief
executive officer of CashEdge.

“Aside from the convenience of having their own personal financial `hub,’ TD
Canada Trust customers will enjoy the comfort of dealing with the bank they
already have a relationship with and that they know will ensure the privacy and
security of their information,” he said.

“Customers have let us know they like the convenience, choice and flexibility
of our industry-leading electronic banking options. Offering customers access
to both their TD and non-TD accounts in one secure place will enhance our
ability to continue to deliver a comfortable on-line banking experience”, said
Chuck Hounsell, Senior Vice president, e.Bank, TD Canada Trust.

Gomez Inc, the Internet Quality Measurement Company, ranked TD Canada Trust the
number one Internet Banking service in Canada in August 2001. In 2001, TD
Canada Trust was ranked the overall winner in Quicken.ca’s third annual Online
Banking Report. TD Bank and Canada Trust were overall winners in 2000 and 1999

About TD Canada Trust

A member of the TD Bank Financial Group, TD Canada Trust is Canada’s leading
retail bank. In Canada and around the world, TD Bank Financial Group serves
approximately 13 million customers in five key areas: personal banking,
commercial banking, discount brokerage, investment management and investment
banking. With more than 3.5 million online customer accounts worldwide, TD Bank
Financial Group ranks among the top financial services firms in the world as
measured by online accounts. For more information, visit

About CashEdge, Inc.

CashEdge delivers personal finance management solutions to financial
institutions and portals worldwide. The company’s technology combines the power
of information aggregation with transaction capability, allowing consumers to
transfer funds between accounts at over 23,000 financial institutions
throughout the US. CashEdge was founded in November 1999 and has headquarters
in New York City and Milpitas, CA. The company’s clients include Laurentian
Bank of Canada, Royal Bank of Canada, The Vanguard Group and Yahoo! Finance.
For more information, please visit www.cashedge.com.


Credit Store Fiscal Year

SD-based sub-prime specialist The Credit Store reported a net loss of $5.1 million in the fiscal year ended June 30. Total revenue for the fiscal year ended June 30 was $47.1 million. Credit card receivables for the quarter ending June 30 were $117.1 million and total accounts stood at 86,384. Acquisitions of non-performing consumer debt totaled $1.6 billion in fiscal 2001, a 14% decrease from the $1.8 billion acquired in fiscal 2000. For complete details on The Credit Store’s latest results visit CardData ([www.carddata.com][1]).

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



The International Card Manufacturers Association announced this week that it
has canceled the 11th Annual Card Manufacturing EXPO 2001 that was scheduled to
take place November 11-14, 2001 at the Athenaeum Inter-Continental Hotel,
Athens, Greece.

ICMA s decision to cancel the EXPO came after careful consideration of the
interests of the association and its members due to the current political
climate. ICMA considered several elements before coming to a decision,
including reluctance by members to travel at this time, and also recognized
that many travel limits have been imposed on employees of member companies. In
addition and as a result of these factors, ICMA believes that decreased
attendance at the EXPO would greatly affect the investments made by the
exhibitors as well as decrease the value of the event due to lack of industry

Canceling the EXPO was not an easy decision, however, in light of recent
events, ICMA supports its members worldwide cautiousness, said Jeffrey E.
Barnhart, executive director of ICMA. ICMA is a strong association and we look
forward to implementing a successful EXPO next year in Vancouver, Canada.
Traditionally the results of the Annual Card Manufacturing Global Market Survey
which reports on the number, types and markets of cards manufactured worldwide
are unveiled during the EXPO. Results of the Third Annual Card Manufacturing
Global Market Survey are still scheduled to be announced, mid-November as

Additionally, judging of the Fifth Annual Élan Awards for Card Manufacturing
Excellence will take place mid-November and will be unveiled thereafter. Award
criteria include the following categories:

· Best Non-Secure Card Design
· Best Secure Card Design
· Best Phone Card Design
· Technical Achievement

For questions or concerns about the 11th Annual Card Manufacturing
EXPO 2001, or for information on becoming a member of ICMA, contact Lynn
McCullough, phone: 609-799-4900, e-mail:
lmccullough@icma.com or visit the ICMA Web site at

About ICMA

Based in Princeton Junction, NJ, ICMA is a non-profit association of plastic
card manufacturers, personalizers and related industry participants. With more
than 220 members globally, the ICMA acts as a clearinghouse for industry
issues, including the production, technology, application, security and
environmental issues of plastic cards.


MasterCard PDA Guide

MasterCard International has released the MasterCard Global Service PDA Guide, an online downloadable version of the MasterCard Global Service international emergency phone list for personal digital assistants, including Palm OS and Microsoft CE-powered pocket PC devices.

Cardholders can now download the emergency service telephone numbers in their PDAs, making it as convenient to find MasterCard’s emergency phone numbers as it is to look up an address from their personal address book. Consumers can use MasterCard Global Service numbers to call for assistance virtually anytime, anywhere, and in any language.

“Our numbers always have been easily accessible to cardholders via directory assistance, hotel concierge desks, bank mailings, and other sources,” said Bonnie MacDonald, senior vice president, MasterCard Worldwide Cardholder Services. “However, this new portable format puts the information literally at our customers’ fingertips. No card offers easier access to customer service worldwide than the MasterCard card.”

Working with Seattle-based Palmtop Publishing, MasterCard has made the Global Service PDA Guide available to leading PDA-focused web sites, including (among others):











PDA and travel-related web sites worldwide are invited to share this essential MasterCard software for international travelers with their web site visitors. Developers and web administrators can visit for information on adding the guide to their sites. Since its initial availability, the Global Service PDA guide has been downloaded by nearly two thousand PDA owners worldwide.

The compact, 27k, Palm OS PDA Guide is powered by award-winning OnTap(R) Technology, making it intuitive, fun to use, and easy to share person to person with a simple infrared beam. The Pocket PC edition is a 92k e-Book.

Last year, MasterCard cardholders accessed MasterCard Global Service over 780,000 times, receiving assistance by calling toll-free or collect from 200 countries in 74 languages. Call Center Magazine, a key publication covering the customer service industry, recently named the MasterCard Global Service Center the “Call Center of the Year” for the credit industry.

Examples of services available through MasterCard Global Service include:

* Lost and Stolen Card Reporting: MasterCard notifies the issuer of the missing card within 15 minutes of the cardholder’s call;

* Emergency Card Replacement: With the issuer’s approval, cardholders receive a temporary replacement card — next day in the U.S. within two business days most everywhere else;

* Emergency Cash Advance: Cardholders can receive cash — within 15 minutes in the U.S.; within one hour most everywhere else; and

* MasterCard/Cirrus ATM Locations: Cardholders are directed to the nearest of our more than 602,000 ATMs.

About Palmtop Publishing

Founded in 1997, Palmtop Publishing is the leading provider of Palm OS and Microsoft Pocket PC Digital Marketing Giveaways and marketing communications solutions that put handheld computers directly in stream with traditional advertising and marketing communications messaging.

Headquartered in Seattle, WA with affiliate offices in San Francisco, Rochester NY, Pittsburgh, PA and Stockholm, Sweden, Palmtop Publishing is led by a group of embedded systems experts and smart, fast, pioneering women. This powerful team creates with an incredible passion for their craft, decades of unsurpassed expertise in embedded systems and field-based, remotely deployed solutions, and tremendous commitment to extending client messages creatively into a whole new dimension. Palmtop Publishing can be reached by phone at 206-923-0901 or by visiting [http://www.palmtoppublishing.com][11].

OnTap is a registered trademark of Aegean Associates, Inc. Digital Marketing Giveaway is a trademark of Palmtop Publishing.

About MasterCard

MasterCard International has the most comprehensive portfolio of payment brands in the world. More than 1.7 billion MasterCard(R), Cirrus(R) and Maestro(R) 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 the leader in quality and innovation, offering a wide range of payment solutions in the virtual and traditional worlds. MasterCard’s award-winning Priceless(R) advertising campaign is now seen in 81 countries and in more than 36 languages, giving the MasterCard brand reach and scope unrivaled by any competitor in the industry. With more than 21 million acceptance locations, no card is accepted in more places and by more merchants than the MasterCard Card. In 2000, gross dollar volume exceeded US$857 billion. MasterCard can be reached through its World Wide Web site at [http://www.mastercard.com][12].

[1]: http://www.zdnet.com/
[2]: http://www.cnet.com/
[3]: http://www.eurocool.com/
[4]: http://www.pdassi.de/
[5]: http://www.handago.com/
[6]: http://www.pocketnow.com/
[7]: http://www.palmgear.com/
[8]: http://www.freewarepalm.com/
[9]: http://www.skipwire.com/
[10]: http://www.cewire.com/
[11]: http://www.palmtoppublishing.com/
[12]: http://www.mastercard.com/



Trintech, a global provider of secure payment
infrastructure solutions, announced that Brother International
Corporation has selected Trintech’s enterprise ePayment solution PayWare ERP
to automate all its web-based and call center payment transactions. The
solution allows Brother to procure a higher volume of credit card orders, thus
reducing its operating costs.

PayWare ERP was implemented as part of a recent initiative by Brother to
procure sales orders at their websites and manage orders entered via the
Customer Relationship Management module in its call centers. Brother is
now able to handle credit card-based financial transactions, while delivering
superior customer service and developing a greater relationship with its
customer base. PayWare ERP also allows Brother to reduce costs by lowering
the processing cost of each transaction and to deploy its offering globally
with PayWare ERP’s multi-currency functionality.

“Trintech’s PayWare ERP product enables Brother to achieve the highest
level and most responsive CRM when handling customer orders taken at our call
centers or websites,” stated Dennis Upton, CIO at Brother International
Corporation. “Brother chose Trintech for its long track record in the
payments industry and because the solution integrates easily with our SAP R/3

Prior to implementation of Trintech’s PayWare ERP solution credit card
transactions were processed through a proprietary batch-oriented system.
PayWare ERP sends and receives credit card authorizations during order entry
which allows Brother to notify its customers immediately when orders are
accepted or rejected.

“Brother International Corporation has an enormous global ERM and CRM
operation with thousands of transactions flowing through every day,” said
Trevor Healy, vice president and general manager ePayments Division for
Trintech. “Implementing the PayWare ERP solution enables Brother to
efficiently process a higher volume of online orders and be more interactive
with their customers during order entry. Streamlining the online payment
process results in significant cost savings for companies such as Brother
International Corporation.”

Developed in close collaboration with SAP, PayWare ERP is ideal for
enterprises with large transaction volumes. The solution extracts costs from
internal operations to streamline the payment process, while providing a
migration path to new revenue channels, such as eCommerce, mCommerce and
tCommerce. PayWare ERP is scalable, designed to seamlessly integrate with R/3
sales order processing system and is easily configured to process card
payments in both physical and virtual environments.

PayWare ERP Product Overview

Trintech’s PayWare ERP solution provides seamless and tight integration of
the payment acceptance function into enterprise and resource planning (ERP)
systems and retail automation applications, allowing corporations to leverage
their ERP system to realize operational efficiencies and cost benefits.
Supporting multiple financial and communication protocols, PayWare ERP manages
both the authorization and settlement of transactions between acquiring
institutions and ERP-based merchants and businesses.

About Trintech

Trintech is a leading provider of secure electronic payment infrastructure
solutions for real world, Internet and wireless transactions. The company,
founded in 1987, offers a complete range of payment software products for
credit, debit, commercial and procurement card applications. Trintech’s secure
product range is deployed in over 35 countries worldwide and covers the
payment requirements of consumers, card issuing banks, merchant acquiring
institutions, merchants, eMerchants, telcos, wireless operators, ISPs/CSPs,
Portals and large corporations. The Group’s range of scalable, open systems
architecture solutions for UNIX(R) and Windows NT(TM) platforms covers
consumer, merchant and financial institution requirements for all card-based
payments, including eCommerce and the emerging world of mCommerce. 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
Investor information can be
found at

About Brother International Corporation

Bridgewater, New Jersey is the corporate headquarters for Brother in the
Americas, from Canada to South America and has fully integrated sales,
marketing, services, manufacturing, research and development capabilities,
located here in the U.S. In addition to its headquarters, Brother has
branches in California, Georgia, Illinois, Massachusetts, Tennessee and Texas
as well as subsidiaries in Ohio, Canada, Brazil, Chile and Mexico.