DOUBLE MILES

China Southern Airlines, the largest airline in The People’s Republic of China, www.cs-air.com/en, is pleased to announce that members of its Sky Pearl Club can now earn Double Miles on special domestic routes starting now – through December 31, 2001.

Available immediately, Sky Pearl Club members who fly between Guiyang and Guangzhou, Beijing and Shenzhen can earn double FFP mileage – regardless of the class of service they fly.

Additionally, Sky Pearl Club members can earn Bonus Mileage (in Y, C or F Class) on special promotional routes including Guangzhou-Wuhan, Beijing-Shenzhen and Hangzhou-Guangzhou.

Additional information about these new promotions are available at any China Southern Airlines Domestic or International Ticket Office or at any of the newly opened Sky Pearl Club Service Centers at major airport locations throughout China, including Baiyun International Airport in Guangzhou and Beijing Capitol Airport as well as regional airports in Changsha, Wuhan, Haikou, Shenzhen and Zhengzhou – all providing a vast slate of convenient new customer services.

China Southern Airlines’ Sky Pearl Club is the fastest growing frequent flyer program in China with more than 500,000 members.

At each new Sky Pearl Club Service Center, passengers can sign up for and instantly receive their permanent Sky Pearl Club membership card and immediately begin accruing FFP mileage. Current Sky Pearl Club members can check their mileage balances or make a claim for any mileage not credited. Club managers will be on hand to answer any passenger questions about their mileage or Sky Pearl Club policies and procedures.

The largest airline in The People’s Republic of China for the past 21 years, China Southern Airlines (www.cs-air.com/en) connects more than 80 cities around the globe. Major business and vacation destinations served in China include: Beijing, Chengdu, Guangzhou, Guilin, Hong Kong, Kunming, Shanghai, Shenzhen and Wuhan, as well as international service, including: Amsterdam, Bangkok, Fukuoka, Hanoi, Ho Chi Minh City, Kuala Lumpur, Jakarta, Los Angeles, Manila, Melbourne, Osaka, Penang, Phnom Penh, Seoul, Singapore and Sydney.

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AuthenIC Edefice

Intercede Group, a leading provider of security management products and technologies, licensed its Edefice security and smart card management system to Oberthur Card Systems for integration into Oberthur’s AuthentIC smart card product array, for worldwide distribution. This follows a strategic alliance formed in March between the two companies.

Marc Bertin, Director of E-Commerce at Oberthur Card Systems, said: “Edefice technology will enable our large banking and corporate customers to manage the entire lifecycle of their smart card and PKI infrastructures using a simple to use, business process oriented interface. This is an important and fast growing market for Oberthur. Edefice will make it easier for Oberthur’s customers to consume both smart cards and PKI technology. The addition of Edefice technology to our AuthentIC portfolio is an integral part of Oberthur’s strategy unlocking a new burgeoning market for both our companies.”

By 2004, it is forecast that there will be 169 million smart cards in circulation for network security purposes (source: Gartner Dataquest). This represents a 10-fold growth rate over the next three years. Intercede and Oberthur believe that at least 50 percent of all network security smart cards will be under the control of a smart card management system. Based on this information, the partnership between Intercede and Oberthur Card Systems is expected to generate a stream of international business opportunities for both companies.

Edefice, through its intuitive, web-based interface allows any PC with a web browser to be used for smart card management, eliminating the need for inefficient centralized smart card issuing stations. Oberthur’s deployment of Intercede’s Edefice greatly enhances the security and efficiency of future smart card deployments.

“We are delighted that Oberthur Card Systems, as one of the top three global smart card manufacturers, has selected Edefice technology to support its thrust into the network security market. This validates our technological vision, reinforces the superiority of our technology and provides further evidence of our software development expertise. We are already working with Oberthur’s sales force on a number of international opportunities. The new license agreement formalizes this collaboration and delivers on Intercede’s IPO commitment to internationalise our customer base through OEM and indirect channels,” commented Richard Parris, CEO of Intercede.

About Intercede

Intercede Group plc (IGP LN) (IGP.L) is a leading developer and supplier of security management solutions for computers, networks and software applications. Intercede successfully raised 2.2 million pounds sterling (net of expenses) by way of a placing on the Alternative Investment Market (“AIM”) in January 2001, which values the Company at approximately 10 million pounds. Intercede plc is one of only three quoted security software companies in the UK. Intercede’s customers cover a range of industries and include Barclays Bank, Lloyds TSB, the Department for Education and Employment, the NHS, Compaq, ICL. Further information on Intercede can be found at .

Intercede’s Edefice software gives organisations of any size the power to manage their smart card / PKI lifecycles and other security infrastructure through a simple-to-use web-based console. Using a fully distributable, workflow driven architecture, Edefice integrates seamlessly with Windows 2000, XP and NT/S.E. (Compaq’s Security Enhancements for Microsoft Products), and manages with ease multiple device combinations — smart cards, tokens and biometrics. Further information on Edefice can be found at .

For more information on Intercede Group plc contact: Clare Warren of College Hill Associates, ++ 44 (0207) 457 2020, or fax, ++44 (0207) 248 3295, clare.warren@collegehill.com

About Oberthur Card Systems

Oberthur Card Systems (Paris Stock Exchange – Code SICOVAM 12413), a global leader and the innovator in the smart card industry, is shaping the future by offering the ultimate in SIM, WAP, 3G (IMT-2000/UMTS), e-wallet technologies & Internet-based card management services coupled with a firm commitment to open standards.

Championing EMV migration, Oberthur is the world’s #1 supplier of MasterCard and Visa cards, #1 in banking, e-commerce, m-commerce and pay-TV, Oberthur is also the #1 in Java(TM) and GSM technologies.

Oberthur Card Systems has an international reach ensured by 30 sales offices and 20 manufacturing sites across the five continents. Oberthur Card Systems had sales of 451.1 million Euros in 2000.

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SYMCOR BRANDING

Symcor Inc., a leading North American
financial transaction outsourcer, announced that it has changed the name
of all of its operating businesses. This change includes the businesses
formerly known as Symcor Services Inc. and Optus Corporation, which was
acquired in December 2000.

“Uniting our businesses under a common name helps drive home the
synergies in our services and is indicative of our common, integrated approach
to providing end-to-end business and technology solutions for customers,” said
Paul Currie, CEO of Symcor Inc. “As well, by dropping ‘services’ from our
name, we’re telling the world that we’re more than just a service provider –
we’re also a solutions provider,” says Paul Currie, Symcor Inc.’s CEO.
As part of the corporate identity change, Symcor Inc. has also adopted a
modern and dynamic new identity design. “Symcor Inc.’s new corporate identity
is designed to reflect the transformational nature of our business and the
power of the electronic and physical worlds brought together,” says Currie.
“It also symbolizes our energy and innovation in offering new products and
services and delivering exceptional customer service.”
“These changes signify the new direction the company has taken in the way
we conduct business and in the products and services we provide,” adds Currie.
Symcor Inc.’s goal is to be the preferred partner in North America for
financial transaction outsourcing services by creating, delivering and
continuously improving financial transaction services to help transform and
enhance its customers’ businesses.

The company plans to grow rapidly in North America by continuously
enhancing operational excellence and by expanding capabilities in payments and
transaction processing as well as digital storage, retrieval and delivery of
information.

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
.

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Stock Update

While the rest of the stock market settled down yesterday, American Express’ stock was beaten down again by another 9.4%. AmEx is now trading at a new 52-week low of $27.38 compared to its share price of $35.01 on Sept. 10. The reaction came from Monday’s statement that AmEx’s third quarter earnings will be affected by the weakness in the travel industry, which makes up one third of AmEx charge volume, and costs associated with relocating its New York City headquarters staff due to the World Trade Center attack. Understandably, American Express yesterday lobbied Congress to provide immediate financial support for the airline industry. Meanwhile MBNA and Capital One were hit hard again yesterday, losing 7.4% and 6.6%, respectively. Capital One reached a new low of $41.96. Providian and NextCard settled down after being clobbered Monday. Providian lost 1% while NextCard gained 2.3%.

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Proton Card Support

Datacard Group confirmed Tuesday it will implement full support for the Proton ‘Prisma’ smart card platform through its ‘Affina’ platform management architecture, which also supports ‘MULTOS’ and ‘Java Card’. Datacard’s support of the Proton ‘Prisma’ platform will mark the first time that issuers will have the choice of which technology to deploy based on any of the platforms supported by the ‘Affina’ system. Issuers will be able to select the most appropriate platform based on applications and business drivers available at the time, to add, delete, block or modify applications stored on smart cards after the cards have been issued to consumers. Datacard recently relocated and expanded it London office, which include its ‘Consult p7’ team. (The RAM Report 8/27/01)

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CIBC & Juniper

Canada’s CIBC confirmed this morning it is acquiring 51% equity ownership in Juniper Financial and will assume a majority of the board seats, including chair. Juniper Bank, founded last year, is an online credit card and financial services company with $350 million in receivables generated from more than 185,000 credit card and banking accounts. Last month, the Federal Reserve Board approved Canadian Imperial Bank of Commerce’s application to acquire the majority of the shares of Juniper. The development came as Juniper was gathering its third round of funding. Juniper Bank was founded by Richard Vague, co-founder and former Chairman and CEO of First USA, and Jim Stewart, also formerly with First USA. The company was started in January 2000 and began issuing its first MasterCards in October. In May, the Federal Reserve gave the nod to Juniper to become a bank holding company by acquiring a MO-based bank, which through a series of transactions, transferred Juniper’s credit card assets from the Missouri bank to Juniper Bank in Delaware. CIBC is making the acquisition through its US subsidiary. (CF Library 5/25/00; 7/31/00; 10/25/00; 1/5/01; 5/10/01; 8/20/01)

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NCR ATMS

NCR Corporation and Caja Duero, one of Spain’s main savings
banks, have signed a deal to install and maintain 150 NCR ATMs in convenience
locations across Spain, including the installation of 70 Personas 86 machines
at Halcon Viajes, one of Spain’s leading travel agencies.
“In Spain, the number of convenience ATMs has almost doubled in the last
seven years with retail locations being a very popular destination with
several financial institutions,” said Jeff Lutz, vice president of NCR’s
Financial Solutions division for Europe, the Middle East and Africa. “This
trend is likely to continue as financial institutions like Caja Duero see the
business and consumer benefits of having ATMs placed away from bank branches
and located where consumers need cash.”
The ATMs will be located at Halcon Viajes main outlets across Spain where
there is a high throughput of customers.

About Halcon Viajes

Halcon Viajes is one of Spain’s leading travel agencies, with hundreds of
branches across the country. The group that owns Halcon Viajes is also the
proprietor of Air Europa, the first private airline company to fly scheduled
domestic flights in Spain.

About Caja Duero

Caja Duero generated more than 1.5 billion pesetas in 2000. Caja Duero is
the largest provider of ATMs in central Spain.

About NCR Corporation

NCR Corporation (NYSE: NCR) is a leader in providing Relationship
Technology(TM) solutions to customers worldwide. NCR’s Relationship
Technology solutions include the Teradata(R) database and analytical
applications such as customer relationship management (CRM) and demand chain
management, store automation systems and automated teller machines (ATMs).
The company’s business solutions are built on the foundation of its long-
established industry knowledge and consulting expertise, value-adding
software, global customer support services, a complete line of consumable and
media products, and leading edge hardware technology. NCR employs 33,300 in
more than 100 countries, and is a component stock of the Standard & Poor’s 500
Index. More information about NCR and its solutions may be found at
http://www.ncr.com/ .

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Mobile 3-D

VISA International this morning announced a new global specification for Internet payments made over mobile phones. The ‘Mobile 3-D Secure’ specification is based on existing payment technologies and is part of ‘VISA Authenticated Payment’, an e-commerce program designed to ensure secure online payment transactions through cardholder passwords. The ‘Mobile 3-D Secure’ specification supports global interoperability, enabling consumers to have a consistent and seamless experience regardless of the method or device being used to access the Internet. It minimizes the impact on merchants and requires no changes to backend payment systems. In Asia, VISA has partnered with Hutchison Telecommunications and Dao Heng Bank to develop a mobile payment service using ‘Mobile 3-D Secure’. In Europe, VISA has signed a strategic alliance with Omnitel Vodafone while, in the US, VISA and Sprint are working together to help facilitate secure mobile payments and create opportunities to purchase goods and services over the Sprint PCS nationwide wireless network.

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CIBC USA

CIBC, one of North
America’s leading financial institutions and Canada’s premiere credit card
issuer, announced completion of a strategic equity investment in Juniper
Financial Corp. which operates Juniper Bank based in Wilmington, Delaware.
Through its US subsidiary, CIBC is acquiring a 51 per cent equity
ownership in Juniper Financial Corp. by investing in Juniper’s private equity
financing round and will assume a majority of the board seats, including chair
of the board.

Juniper Bank, an online credit card and financial services company, was
founded in January 2000 by Richard Vague, co-founder and former Chairman and
CEO of First USA, and Jim Stewart, also formerly with First USA. Since the
bank’s launch, it has secured more than $350 million in receivables through
over 185,000 credit card and banking accounts.

“This investment in Juniper gives CIBC tremendous capability in the US
market to continue to expand our retail presence and offer valuable credit
products and services to our rapidly growing US customer base,” said David
Marshall, CIBC’s vice-chairman, electronic commerce. “I am also very excited
to be associated with two of America’s most respected credit card executives
and their entrepreneurial team of professionals.”

“CIBC is fully committed to ensuring Juniper’s continued success,” said
Richard Vague, Juniper’s chief executive officer. “This strategic union will
accelerate the growth of Juniper’s successful credit card operations and will
leverage CIBC’s expertise as a worldwide leader in consumer banks operations and strategic partnerships, CIBC is
well positioned to accelerate Juniper’s reach and growth,” said Jim Stewart,
Juniper’s president.

About CIBC

CIBC is one of North America’s leading financial institutions with more
than eight million personal banking and business customers. CIBC offers a full
range of products and services through its comprehensive electronic banking
network, branches and offices across Canada, in the United States and around
the world. To find other news releases and information about CIBC, visit our
Media Centre at .

About Juniper Financial Corp.

Juniper Financial Corp., headquartered in Wilmington, Delaware, operates
Juniper Bank. Juniper aims to make consumers lives simpler and easier by
giving them greater flexibility and control over their finances. Additional
information about the company and its products and services can be found at
.

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CryptoMemory Cards

Atmel Corporation announced the availability of the industry’s first low cost, high security memory devices with data encryption including both synchronous and asynchronous protocols. The AT88SCxxxC CryptoMemory family expands Atmel’s range of secure products, filling the industry need for affordable secure devices for smart card and embedded applications.

This family of products, with memory densities available today from 1Kb to16Kb, allows a system integrator to switch memory density without changing application software. CryptoMemory uses T=0 protocol the same protocol used in secure microprocessors as well as 2-wire protocol for fast data rate exchanges. CryptoMemory does not require an operating system like a microprocessor, therefore it is faster to market, easier to program and allows file management within its zones. Encryption ensures high security within a chip solution at a much lower system cost than microprocessor implementation, and is compliant to the ISO7816-3 standard.

This level of security, previously available only in microcontrollers, opens up new opportunities for affordable smart cards to be used in daily consumer applications. Its features are optimal in applications like driver’s licenses, ID cards, loyalty and e-purse cards such as those used for laundromats, energy meters and voting machines. CryptoMemory’s high security features and low cost make it ideal for building or room access control used in campus cards or hotel entry. It is also being designed into embedded applications, enabling authentication of OEM subassemblies within a system, such as removable storage devices and automotive piece parts. Applications that require the authentication of an individual user to provide access to sensitive information, such as personal computers or storage of secure information in health care cards, will benefit from this new family of CryptoMemory products. These services can now be offered at an affordable price with a chip solution, eliminating the need to wait months for an operating system to be developed.

“We are very excited about the technology advancements we have made in our portfolio over the last few months. We are extremely well positioned to provide leading edge solutions to the security and smart card markets and are actively partnering with world-class solution providers,” said Chris Baumann, director of BiCMOS and secure products at Atmel Corporation. “This new technology secures Atmel’s position as the only semiconductor manufacturer to provide a full range of products that include everything from non-secure serial EEPROMs to cryptoprocessors. The CryptoMemory family, with its low cost, encryption-based, high security circuits allows the entrance of smart cards into the hands of the general public in everyday applications.”

This family of products will be expanded to include 64Kb to 256Kb later this year. Larger densities are planned in 2002. The cost of the CryptoMemory chip solution is so much lower than implementing a secure microprocessor, that Atmel is teaming with major card manufacturers to use CryptoMemory in many of their current microprocessor applications. These are applications where the microprocessor has been used mainly to provide the encryption/decryption functions. The high volume price of these new products, in module/package form, will range from $.30 to $.45 depending on memory density.

About Atmel

Founded in 1984, Atmel Corporation is headquartered in San Jose, Calif., with manufacturing facilities in North America and Europe. Atmel designs, manufactures and markets worldwide, advanced logic, mixed-signal, nonvolatile memory and RF semiconductors. Atmel is also a leading provider of system-level integration semiconductor solutions using CMOS, BiCMOS, bipolar SiGe, and high-voltage BCDMOS process technologies.

Requests may be sent via e-mail to literature@atmel.com or by visiting Atmel’s Web site at [www.atmel.com][1].

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

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PROTON SUPPORT

Datacard Group announced that it will implement full support for the Proton Prisma smart card platform in its landmark multi-application smart card management system. The system, the Datacard Affina platform management architecture, also supports MULTOS and Open Platform (Java Card).

Proton Prisma is an architecture for multi-application smart card systems for applications including e-purse, credit/debit, e-ticketing and public key infrastructure (PKI) authentication. Datacard’s support of the Proton Prisma platform will mark the first time that issuers have the choice of which technology to deploy based on any of the platforms supported by the Affina system, including Proton Prisma, Open Platform or MULTOS. Issuers will be able to select the most appropriate platform based on applications and business drivers available at the time, to add, delete, block or modify applications stored on smart cards after the cards have been issued to consumers.

“With the post-issuance smart card management capabilities of the Affina system, Proton e-purse issuers will have a wealth of new services they can offer their customers,” said Martin Kearsley, senior vice president and managing director of Datacard’s solutions division. “Card issuers will be able to make new applications instantly downloadable via the Internet or other private network at any time, opening new revenue streams, reducing time to market and strengthening customer loyalty.

“We are excited to support the Proton platform, because it will uniquely position Affina as the common interface between three of today’s most popular platforms,” Kearsley said. “Our support for these platforms is important for the industry as a whole, because it brings us much closer to having a true international interoperability standard.”

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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Payroll by Touch

Employers no longer have the need for cumbersome and costly plastic cards, paper, passwords or PINs. Indivos a provider of tokenless transaction payment services, is offering merchants a biometric solution to manage their payroll accuracy and employee attendance. Indivos’s time-and-attendance solution manages traditional “time clock”, functions through biometrics-enabled systems that match a minuate template of an employee’s finger image to an electronic image. Indivos’ time-and-attendance service incorporates advanced technology from DigitalPersona and Count Me In LLC. Similar Indivos highly secure biometrics-based technology is used to authenticate credit and debit transactions at the checkout lane in its voluntary Pay By Touch(SM) service. Indivos also works with payment technology market leaders Verifone, Hypercom and NCR to deliver automated authentication and electronic payment services for retailers. Together these companies have more than eight million point-of-sale, electronic cash register, self-checkout and ATM devices worldwide.

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